Technologies related to mobile credit payment are disclosed. In an implementation, a credit payment request is generated and sent to a user account of a credit payment application (APP) installed on a mobile computing device. A payment response message is then received from the mobile computing device. The payment response message is parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is received from the APP public key license if the verification is successful. A payment deduction request is generated and sent to the user account of the credit payment APP. A payment authorization encrypted using asymmetric key encryption is received from the mobile computing device. The APP public key is used to decrypt the payment authorization, and a transaction log is recorded if the second response message is successfully decrypted.

A method, system, apparatus, and computer program for conducting a real-time payment settlement transaction. The method includes determining a prefunded requirement for one or more financial institutions. A prefunded balance is stored, based on a prefunded payment received in a separate funding account, for each of the one or more financial institutions. The method further includes receiving an electronic request for payment message from at least one creditor financial institution, and forwarding the electronic request for payment message to at least one debtor financial institution, the electronic request for payment message requesting that a payment be made to the at least one creditor financial institution and comparing the amount of payment requested in an electronic payment transaction to the prefunded balance of the at least one debtor financial institution. A real-time financial settlement transaction is performed based on a result of the comparing step.

A stored-value card transfer agent includes a database and a card processor. The card processor receives from a wallet client a request identifying a transfer amount, confirms from the database that a balance value in a ledger associated with the client at least equals the transfer amount, reduces the balance value by the transfer amount, adds an additional ledger to the database, updates the balance value thereof to equal the transfer amount, and uniquely associates the additional ledger with a transferee. The card processor also receives a request identifying a withdrawal amount, confirms that a balance value in the additional ledger at least equals the withdrawal amount, reduces by the withdrawal amount the balance value in the additional ledger, and initiates a funds transfer of the withdrawal amount from a first account maintained by a computer server to a second account associated with the transferee.

Intelligent electronic record management is described herein. A service provider can receive, via a payor user interface, electronic records associated with a payor. The service provider can recommend, using a machine-trained model, that a payment associated with a first electronic record be paid using a first form of payment. The service provider can settle the payment associated with the first electronic record using the first form of payment. The service provider can additionally settle a payment associated with a second electronic record using a second form of payment recommended for payment of the second electronic record.

Processes and methods for simple and streamlined creation, transmission, and acceptance of payment in the form of a digital image, transformable to interoperate with various modes of legacy processing and settlement. Methods are illustrated to speed clearing and provide guarantee of funds availability. Enhancements are described that provide flexibility in the application and use of payment images that are not possible with other payment mechanisms. And, a system is proposed to implement these processes and methods.

A system and method for pre-clearing transactions comprising the steps of: creating and storing a client profile on a plurality of controllers; creating and storing a trading policy on the plurality of controllers; a pre-clearance client creating a client request; generating a decision request at the appropriate time, while verifying any applicable market conditions associated with the requested transaction only if the transaction requires specific market conditions to trigger execution; the plurality of controllers comparing the client request to the trading policy; the plurality of controllers rendering a pre-clearance decision and communicating pre-clearance decision details; the plurality of controllers issuing the client order to an active pre-clearing entity; and recording and storing all information.

Embodiments herein provide for a method, system, and apparatus for automatically providing a report. Data associated with an activity relating to a user of an account is received. A determination is made as to whether the activity relates to funding of the account. In response to the activity relating to the funding, a determination is made as to whether the data indicates that a report is to be automatically generated based upon a predetermined rule. The report is automatically generated based upon determining that the data indicates that the report is to be automatically generated.

Systems and methods for determining and reporting aggregated transaction level data regarding a particular user are disclosed. Based on the requests of one or more information requesters, an aggregator server can request transaction level data for all accounts associated with a particular user or a group of users from a transaction database. The transaction database returns raw transaction level data for accounts associated with the particular user to the aggregator server. The aggregator server can then parse the raw transaction level data based on a number of transaction level data elements and information requester input. The parsed raw transaction level data can then be used to determine the number of predefined or information requester defined transaction level data aggregates. The resulting transaction level data aggregates can then be sent in a report to the one or more information requesters.

A system may detect an outstanding account of a borrower having an outstanding amount. The system may also display a loan-request interface associated with the outstanding account with the loan-request interface activated in response to the outstanding amount being within the dynamically calculated loan capacity. The system may receive an input via the loan-request interface to request a loan based on the outstanding amount. A request for the loan may be transmitted in response to the input.

Provided is a virtual money balance bypass inquiry method, comprising: receiving a purchase demand submitted by a client, wherein the purchase demand contains the sum to be paid; receiving a balance inquiry request which is transmitted by the client in asynchronous mode, wherein the balance inquiry request contains the sum to be paid; inquiring the balance of a user account according to the balance inquiry request, and obtaining a result flag by comparing the balance of the user account with the sum to be paid; returning the result flag to the client in asynchronous mode.