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 predetermined amount, which may, in general, be zero, less than, the same as, or greater than a (yet-to-be-determined) final transaction amount, is charged upon first presentation of a payment device to a merchant. A final transaction amount is calculated, preferably at a central server, subsequent to the first presentation. A variable adjustment value is calculated, preferably at the central server, by comparing the predetermined amount already charged with the final transaction amount. A new predetermined amount charged, upon a subsequent presentation of the payment device, is modified by the variable adjustment value.

A computer-implemented method is provided for authorizing utilization of a mobility service by a user. The method includes establishing a mobility database with an arbiter, wherein the database is associated with the user and includes biographic data, payment data and identification data, and wherein the identification data represents a legal form of identification issued to the user, and the payment data represents a form of payment; validating the form of payment and the legal form of identification; requesting, by the user, utilization of the mobility service from a mobility operator; authenticating, by the user, to the mobility operator; requesting authorization to use the mobility service; and providing an authorization if: (a) the payment data represents sufficient funds to pay for the mobility service, and (b) the identification data represents a legal form of identification required for the mobility service.

A computing system can receive a primary authorization request from a merchant terminal of a merchant, the primary authorization request corresponding to use of a prepaid payment means of a user of the transaction service for a transaction with the merchant. Based on receiving the primary authorization request, the system can determine that an account balance of the prepaid payment means comprises inadequate funds to fulfill the transaction and automatically transmit a secondary authorization request to a financial entity associated with an account of the user. Upon receiving an approval of the secondary authorization request, the system can execute a transfer for a difference amount, based on an amount corresponding to the transaction, from the account of the user to an account associated with the merchant.

Systems and methods for processing transactions are provided. An aspect of the transactions is executed with a third party transaction service provider that may indicate its aspect of the transaction was a failure when in fact it was successful. After conveying this failure to a user, the system subsequently learns that the aspect of the transaction was not a failure. The system attempts to associate such a transaction with another transaction based on a comparison between the transactions. Upon determining that there is an association between the second transaction and the first transaction, the system communicates to a user options for how to proceed with the first and second transactions. One of the options is to proceed with the original transaction. If the original transaction goes ahead, this saves system resources associated with cancelling the first transaction.

Disclosed is a method of processing item sales information by an electronic apparatus including acquiring a purchase request including item information related to an item selected by a user and information related to a payment means, providing a purchase response including approval information corresponding to the purchase request before proceeding with payment through the payment means in response to the purchase request when the information related to the payment means satisfies a first condition, transmitting a release request for the item to a first server; and requesting payment for at least some of an amount corresponding to one or more purchase requests related to the payment means according to an arrival of settlement timing corresponding to the payment means.

The present invention provides a hosting system that hosts a plurality of computer executable applications wherein the applications are accessible by a plurality of users registered to use the hosted plurality of applications, the hosting system including a user access module enabling individual users to access the hosting system using personal credentials and upon entering valid personal credentials, users are assigned one or more system personas for use when the user executes a hosted application, where the details of the system persona are used in place of the user's personal details when the hosted application accesses any online service external to the hosting system, a purchasing facility enabling registered users to purchase goods and/or services online with funds managed by the hosting system, the users utilising a system persona when accessing external online services and the hosting system effecting financial transactions for and on behalf of registered users thereby retaining the privacy of user's personal details within the hosting system and avoiding divulging user's personal details to any online system external to the hosting system.

Systems and methods are described for providing an enhanced rebate and marketing program which may automatically enroll a consumer in a loyalty programs after the consumer completes rebate form; filter consumer information to provide to customer relationship management campaigns; capture real-time consumer responses to queries; provide real-time and dynamic, targeted offers and other communications to consumers and recipients; and provide bonus added value to consumer received rebates.

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 system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.