A payment network server for processing a payment transaction for at least one ticket to an event is described. The server comprises a transaction module, an authorisation module and an access verification module. The transaction module is configured to: (i) receive a payment transaction request comprising at least a customer account identifier and a payment amount from a customer electronic device; and (ii) transmit a payment transaction response comprising at least the transaction identifier to the customer electronic device. The authorisation module is configured to transmit a request for authorisation to proceed with the payment transaction to an issuer server, where the request for authorisation comprises at least the customer account identifier and the payment amount, and where the payment amount is blocked in a customer account associated with the customer account identifier if the payment transaction is authorised. The access verification module is configured to: (i) transmit a speakeasy request comprising a request for a speakeasy password to the customer electronic device if the payment transaction is authorised; (ii) receive the speakeasy password from the customer electronic device; (iii) generate a transaction identifier which is associated with the payment transaction; and (iv) store the transaction identifier and the speakeasy password at a payment network database, where the speakeasy password is associated with the transaction identifier.

Systems, apparatuses, and methods are provided herein for automated advance purchase payment processing. A central computer system being configured to select a set of customer orders with a scheduled purchase date that is n days from a current date to process payment. In the event that the authorization fails and an error code corresponds to a payment information error, the system automatically generates a notification message to the customer at the messaging server, submits the updated customer payment information to the bank system, and processes the advance product order on the scheduled purchase date for delivery.

A payment card system comprising an artificial intelligence (AI) platform configured to: acquire, via a first communication channel, payment card information associated with a user; identify a payment card account of the user based on the payment card information; receive from the user, via the first communication channel, a command related to a function to be performed with respect to the payment card account; and transmit the command, via a second communication channel, to a remote device in a bank-related network; and the remote device of the bank-related network. The payment card system also comprises a remote device. The remote device comprises: a memory; a receiver configured to receive the command transmitted from the AI platform; and a processor coupled to the memory, the processor configured to: authenticate the user in the bank-related network, wherein the first communication channel is different from the second communication channel.

A payment card system including: an artificial intelligence (AI) platform configured to: identify a first payment card account of a cardholder; receive, via a message or messenger-based channel, an inquiry related to a purchase the cardholder desires to make using the first payment card account; interactively communicate with the cardholder via the message or messenger-based channel using artificial intelligence; determine a cost of the purchase relative to the balance of the first payment card account; if the cost of the purchase exceeds the balance of the first payment card account, identify a second payment card account of the cardholder; and initiate creation of a third payment card account that combines at least a portion of the balance of the first payment card account and at least a portion of a balance of the second payment account. The payment card system also includes one or more entities of a bank-related network.

Methods and systems are provided for processing a transaction between a first party and a second party. Information defining terms of the transaction and identifying a presentation instrument are received at a host system. Preference information associated with the presentation instrument is retrieved with the host system. The preference information specifies terms for an allocation of transaction amounts among multiple transaction types. An amount for the transaction is allocated among the transaction types in accordance with terms of the transaction and the terms for the allocation.

A system and method for identifying and validating indicia representative of at least one of a document and a transaction and a set of data by an originating party involves at least one of a document and a transaction and a set of data having at least one information item original to the at least one of a document and a transaction and a set of data. An identifier representative of the at least one information item original to the at least one of a document and a transaction and a set of data is generated. The integrity of the integrity of the at least one of a document and a transaction and a set of data is validated by using the identifier to determine whether at least one information item of the at least one of a document and a transaction and a set of data has not been altered from the at least one information item original to the at least one of a document and a transaction and a set of data.

Embodiments of the present application relate to a method, apparatus, and system for operating an account. The method includes receiving a selection of a plurality of payment tools from a terminal, determining a plurality of payment servers corresponding to respective ones of the plurality of payment tools based on the received selection, sending one or more funds deduction commands to the plurality of payment servers associated with corresponding ones of the selected payment tools, receiving one or more notifications of successful funds deduction from any of the plurality of payment servers associated with the selected payment tools, and in response to receiving the one or more notifications of successful funds deduction, updating funds data in a third party payment account.

Disclosed in a computer-implemented method for allocating a plurality of credit limits for a payer account associated with a single payment card. The method includes receiving, at a server, a request message to allocate at least a second one of the plurality of credit limits for the payer account, each of the plurality of credit limits being a maximum payment amount that is authorised for payment to a category of transaction; and allocating the second one of the plurality of credit limits to the single payment card.

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 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.