A settlement management system includes: a storage device that stores, for each contractor, information on contract contents in a period in which the contractor is alive and in a period after decease of the contractor; and a computation device that executes calculating a total service usage fee of a predetermined contractor, based on a length of a contract period and a service usage fee unit price in each of the periods indicated in the contract contents, balance inquiry for a personal account of the contractor, debiting an amount of money equal to the total service usage fee when balance inquiry for a personal account of the contractor and a balance of the personal account is an amount of money large enough to settle the total service usage fee, settling a service usage fee based on the service usage fee unit price in the period in which the contractor is alive.

An electronic money mediation system is provided with a service server that mediates payment using electronic money and reception thereof. A transaction information acquisition unit acquires transaction information by associating payment information from a payer terminal with reception information from a receiver terminal. A payment reception processing unit acknowledges completion of a deposit made by a payer into a first account, of the service server, for first electronic money which is the same type as that used in the payment made by the payer. In response to acknowledgement of the deposit made by the payer, a payment transfer processing unit remits, from a second account for second electronic money of the service server to a receiver, an amount of second electronic money corresponding to the paid amount of the first electronic money deposited by the payer into the first account.

A purchase management system includes a central database arrangement, a customer interface to the central database arrangement, and a bank specific database module, arranged to communicate with a transaction authorization module within a bank. The central database arrangement is arranged to receive, from a purchasing entity through the customer interface, purchasing rules applying to a purchasing group, and includes central processing means arranged to: add a selected purchasing group as metadata linked to a first transaction ID in the central database arrangement; add the purchasing rules applying to said purchasing group as metadata linked to the first transaction ID in the central database arrangement; and transfer metadata linked to the first transaction ID to the bank specific database module. The bank specific database module is arranged to receive a purchase approval request from the transaction authorization module, which purchase approval request comprises transaction information, including at least the purchase amount, linked to the first transaction ID.

Application integration for contactless payments is described. In an example, a payment making platform can provide a transaction code to a payment processing platform. The transaction code can be presented at a point-of-sale of a transaction between a customer and a merchant associated with the payment processing platform. Upon detecting an interaction between the transaction code and a computing device of the customer, the payment making platform and the payment processing platform can exchange data to enable the customer to participate in the transaction via the computing device of the customer. In some examples, the payment making platform and the payment processing platform can process a contactless payment for the transaction by transferring funds associated with an account of the customer from the payment making platform to the payment processing platform for depositing into an account of the merchant.

A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information includes a data payload related to the funds transfer. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The information, including the data payload, is transmitted by via the account verification service computer system to the paying bank for use by the payor.

A datacenter including a first voltage sensor and/or first amperage sensor along with a second voltage sensor and/or second amperage sensor. The first amperage and voltage sensors are associated with a first computing device (FCD) and the second amperage and voltage sensors are associated with a second computing device (SCD). The datacenter also includes an electronic control unit (ECU) that communicates with the FCD and the SCD. The ECU is configured to receive FCD energy consumption information and additional updated FCD energy consumption information via the first voltage and/or amperage sensor(s). FCD energy consumption information is associated with energy consumed by the FCD during a first customer billing cycle. The ECU is also configured to divide a first blockchain mining reward into a first customer portion and a first datacenter portion and withhold the first customer portion when the first datacenter portion is less than a first minimum threshold.

A system includes processors and instructions that, when executed by the one or more processors, cause the system to perform operations of receiving a blockchain check request from a first network participant, generating a paper blockchain check including a QR code, issuing the paper blockchain check to the first network participant, obtaining an image of the issued paper blockchain check, determining whether the bank account associated with the first network participant has access to a sufficient amount of funds, associating the designated amount of funds and the identifier of an intended recipient with the QR code, locking funds in the first network participant's bank account, generating, upon the intended recipient being validated with the blockchain, a digital blockchain check based on details associated with the scanned QR code, and disabling the paper blockchain check after the conversion of the paper blockchain check into the digital BC check.

A transaction card system pulls past transaction data from a financial institution. A user profile model is applied to the past transaction data and customer data features and transforms the data into a user feature profile that summarizes the identity data, financial health and payment capacity of the customer. An overdraft request has current declined transaction details relating to a customer transaction using the transaction card. The computing network pulls from cache the most recent customer transaction banking data and most recent user feature profile and applies a machine learning approval model to the current declined transaction details, the most recent customer transaction data, and the most recent user feature profile, and determines whether to approve or decline the overdraft amount.

A control apparatus controls an electric power supply apparatus configured to supply electric power to a working machine. The electric power supply apparatus is provided with a fuel cell. The control apparatus is provided with a restriction request acquisition unit configured to acquire a restriction request for requesting restriction of the supply of the electric power via a communication network, and a restriction unit configured to restrict the supply of the electric power in a case where the restriction request acquisition unit acquires the restriction request. The control apparatus may be provided with an end detection unit configured to detect end of use of the working machine. The restriction unit may decide to start the restriction in a case where, after the restriction request acquisition unit acquires the restriction request, the end detection unit detects the end of the use of the working machine.

A processor having hardware is provided. The processor creates, when the processor receives a creation request of group payment means for making a payment by electronic money using a first terminal and a second terminal that are associated with an organizer and a participant of a group, respectively, the group payment means in a wallet in which a plurality of payment means is registrable. The processor outputs a deposit request to a first server designated in the creation request, based on registration information of the group payment means acquired from the second terminal, to a second server designated in the registration information.