Systems and methods are provided for processing credit token and debit token based transactions in a blockchain supported network.

A method may include receiving, from a requesting computing device, a structured data file, the structured data file including a set of defined data portions, wherein a first portion of the set of defined data portions includes: a first attribution identifier; a first account identifier; and a first amount; determining that the first attribution identifier is included in a set of permitted attribution identifiers; after the determining, querying a data store using the first attribution identifier and the first account identifier to retrieve a current amount associated with the first account identifier; calculating that the current amount is at least equal to the first amount; based on the calculating, formatting a first electronic response message that indicates a validated calculation for the first portion; and presenting the first electronic response message to the requesting computing device.

Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for paying transportation fare. One of the methods includes: communicating to a toll terminal based on near field communication (NFC) technology, for paying a fare of using a transport system associated with the toll terminal; deducting, through a user account, the fare from an account balance associated with the user account; recording a remaining account balance associated with the user account after the fare is deducted; determining that the remaining account balance is less than a predetermined threshold; and providing the remaining account balance to a second mobile device over the NFC in response to determining that the remaining account balance is less than a predetermined threshold to trigger a request from the second mobile device to a transaction server to add balance to the user account.

Systems and methods for an augmented reality (AR)-assisted smart card for secure and accurate revision and/or submission of sensitive documents are provided. The methods may be executed via computer-executable instructions running on a microprocessor embedded in the smart card. A method may include capturing an image of a document, processing the image of the document, and computing, for one or more of the fields of the document, a recommended input. The method may further include comparing, for the one or more fields, the recommended input with an actual input, and, when the recommended input is more than a threshold difference apart from the actual input, generating a recommended revision. The method may also include displaying an AR image of the document on a display screen that is embedded in the smart card, said AR image comprising the image of the document augmented with the recommended revisions.

A non-transitory computer-readable medium stores instructions which, when executed by at least one processor of a terminal that executes processing relating to payment, cause the at least one processor to perform processing related to a first settlement based on a first account with which a user of the terminal is able to carry out settlement; control a display region of the terminal to display first information related to an insufficiency of a balance of the first account, the first information being based on an amount of the first settlement and the balance of the first account; and based on a first input being received at the display region while the first information is displayed, perform the processing related to the first settlement based on at least a second account different from the first account.

A post-paid transaction data processing method includes: receiving risk search information via a wireless or wired interface, the risk search information including a transaction amount and a transaction user identifier of a post-paid transaction; acquiring, according to the transaction user identifier, a payment channel corresponding to the transaction user identifier; determining a predictive affordable value of the payment channel for the transaction amount based on the payment channel and the transaction amount; and determining a default evaluation result of the post-paid transaction according to the predictive affordable value.

Various embodiments are directed to processing and executing digital asset transfers between two users. An example method includes receiving a data object defining a digital asset transfer, and the data object may be a query from the first user to initiate an outbound transfer to a second user or an approval of a request for digital asset units from the second user. The method further includes receiving account data for the first and second users via application programming interface (API) communication with an external system, and responsive to determining that transfer conditions are satisfied, executing the digital asset transfer by causing the external system to debit digital asset units from the first user and to credit digital asset units to the second user via API communication with the external system. The method further includes updating the account data to reflect account balances resulting from the debit and the credit.

Aspects of the invention may involve systems, methods, and computer readable medium. In an embodiment of the invention, a computer-implemented method for paying for usage of a pay per use device may be provided. The method may transmit device identification information from the device to a server. Device setup information and vend price may be received and the vend price may be displayed. User identification may be received and transmitted to the server. An account balance value may be received and displayed on the display. A start request may be received and transmitted to the server. The device may start and an updated account balance may be displayed.

A method, an apparatus, and an electronic device for data processing, and a computer-readable storage medium are provided. The method includes: generating unique identification information associated with a user account; transmitting the unique identification information to the user account; receiving, from a server associated with an institution which verifies identity information corresponding to the user account, the unique identification information and a non-payment service request related to the user account; and identifying the user account based on the unique identification information, and providing the user account with a non-payment service based on the non-payment service request.

A split payment method at a transaction time requires a unique/special password for a payment transaction in the time of creating a split payment definition. A split payment can be initiated before a purchase, relevant confirmations can be received from stakeholders, and the split payment can be addressed with a password defined for a specific purchase. The split payment method also provides a real time authorization mechanism that allows to split the payment amount between the stakeholders.