A store system includes an information processing device and a checkout machine, which may be comprised by at least one processor. The information processing device acquires a balance of electronic money. The information processing device calculates a price every time a purchased commodity is registered. The information processing device correlates charge instruction information of the electronic money with a mobile terminal and stores the charge instruction information when a predetermined condition holds between the balance of the electronic money and the price. The checkout machine selects, when receiving a payment instruction from the mobile terminal not correlated with the charge instruction information, a payment mode for receiving an input of data concerning payment and selects, when receiving the payment instruction from the mobile terminal correlated with the charge instruction information, a charge mode for receiving an input of data concerning charging of the electronic money.

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Systems and methods for providing a transaction authorization from a funds facilitation system for a transaction requested by a user to a merchant system such that the user is not required to input any user authentication information in excess of authentication information required by the merchant system are provided. A system and method can include receiving a transaction request from the merchant system containing a merchant ID, a merchant user ID, and a transaction amount. The system identifies a funds facilitation system user ID based on the merchant ID and the merchant user ID and determines satisfaction of a funds facilitation system user authentication requirement based on the merchant system having a trusted status with the funds facilitation system. A transaction authorization message or transaction denial message is provided to the merchant system based on account information associated with the user and the transaction amount.

A method for providing an indication of financial strength includes receiving a financial indicator and a predetermined spending budget status from a user. The predetermined spending budget status is associated with a spending budget for the user that has at least one payment account. The financial indicator is then associated with the predetermined spending budget status. A payment request that includes one of the at least one payment accounts is then received from a merchant. A current spending budget status is then determined using the spending budget and the at least one payment account. The financial indicator is then sent to the merchant for provision to the user in response to the current spending budget status being included in the predetermined spending budget status.

For electronic fare collection, an APP is downloaded onto a smartphone for automatic payment for transit fare. Upon successful registration of funds onto the APP an associated server system issues a fund indicator to the APP. Upon machine-reading the fund indicator by the validation terminal at the entry and exit gates in the transit station, the application server system calculates the transit fare and reissues the fund indicator with balance funds available after deducting the transit fare to the computer application module (APP). Indication of sufficient funds when scanned at the entry gate allows entry of the passenger through the entry gate. During the passenger's travel, the correctness of the funds is checked and a top up of insufficient funds requested before exiting through the exit gate.

Provided is an environment in which balance information can be easily confirmed when a virtual currency is settled. The intermediary web page 110 corresponds to a URL address based on the merchandise identification information of the merchandise selected by a purchaser on the merchant web page 100. The authentication unit 120 authenticates the purchaser who has accessed the intermediary web page via the merchant web page 100. The acquisition unit 130 accesses the block chain based on the registration information of the purchaser authenticated by the authentication unit 120 to acquire the balance information of the virtual currency of the purchaser. The reflecting unit 140 reflects the balance information acquired by the acquiring unit 130 on the intermediary web page 110.

A software and/or hardware facility that can be used by content owners to assert ownership of content so that copyright friendly websites and services can take action against copyright piracy effectively, efficiently and is scalable is disclosed. The facility makes available to all content owners watermarking/fingerprinting technology so an identifier (e.g., a unique code) can be embedded in the content (e.g., video/audio portion of each video content asset). The facility utilizes blockchain technology to add information related to each unique identifier in a database and allows an authorized user (e.g., the owner) to update the information through a blockchain transaction.

A device assigns an identifier to a piggy bank associated with a child, and associates the identifier with a first transaction account associated with the child and a second transaction account associated with a parent of the child. The device receives information indicating a value of money deposited into the piggy bank, and updates the first transaction account, based on the information indicating the value of money, to generate an updated balance for the first transaction account. The device provides, to the piggy bank or a user device associated with the piggy bank, information indicating the updated balance for the first transaction account, and receives information indicating a measurement associated with the piggy bank. The device verifies the updated balance for the first transaction account based on the measurement associated with the piggy bank, and causes the updated balance for the first transaction account to be provided to the parent.

A system for providing a payment includes a processor and a memory configured to cause the system to receive a payment request representative of a payment amount, a payor identification, and a payee identification. The system includes means for determining payor cash holdings and payor available credit as well as authenticating the validity of a payment request and identity of the payor via received biometric data from a payor device. The system may further receive data representative of payee approved payment methods and determine a payment composition based on the payment amount, payor payment preferences, payor cash holdings and payor available credit. Based on the payee approved payment methods, the system may determine one or more payment types. The system may convey the payment amount to the payee in the form of one or more payment types and may fund the payment amount according to the payment composition.

A payment processing device includes a payment request acquisition unit configured to acquire a payment request corresponding to a first payment scheme with respect to an amount of money to be paid by a user, a determination unit configured to determine whether or not a second payment scheme associated with the user satisfies a predetermined condition when the balance of an account of the user associated with the first payment scheme is less than the amount of money to be paid; and a payment unit configured to allow the balance of the account of the user in the first payment scheme to be insufficient and perform payment of the amount of money to be paid according to the first payment scheme if the determination unit determines that the second payment scheme satisfies the predetermined condition.