A computer implemented method and system for providing automated controls for enterprise resource planning systems comprising a bank balance funds check control and a negative balance control. The bank balance funds check control checks the existing bank balance funds available, and validates a financial transaction on detecting adequate bank balance funds available, or prevents the validation of the financial transaction on detecting inadequate bank balance funds available, thereby preventing negative funds resulting out of outgoing payment, by way of restriction on the standard functionality of bank funds available fluctuating between positive and negative amounts. The negative balance control accepts and processes incoming positive and negative receipts, and manages the situation arising there out of, irrespective of availability of adequate bank balance funds available, resulting in negative bank funds or increase in the existing negative bank funds available, by way of context-sensitive exceptions to the restriction.

A system includes: a processor; a memory coupled to the processor, wherein the memory stores a first content; a medical device coupled to the processor; and a reader coupled to the processor, wherein the reader is configured to read a second content from a storage medium other than the memory such that the processor switches the medical device from a first mode to a second mode based on the first content corresponding to the second content.

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.

A computer implemented method of obtaining account data and merchant data, the method comprising the steps of: receiving a first request message from a user device at a third party, the first request message containing proposed transaction amount data, location data and payment card data; sending a second request message to a card issuer from the third party, the second request message containing a balance inquiry and payment card data; receiving a first response message from the card issuer at the third party, the first response message containing balance data related to the balance inquiry and payment card data; interrogating a database to obtain merchant data based on the location data; and sending a second response message to the user device from the third party, the second response message containing response data, related to the balance data, and the merchant data.

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.

Provided are a digital currency payment method, apparatus, and system, and relates to the technical field of computers. A specific implementation of the method includes: sending a transaction amount to a first currency management apparatus corresponding to a first client, so as to enable the first currency management apparatus to determine whether the transaction amount is greater than an available balance of a first digital currency used for payment; and in the case where the transaction amount is not greater than the available balance, sending a payment request to a second client, the payment request indicating the first digital currency or a circulation identifier of the first digital currency, so as to enable a second currency management apparatus corresponding to the second client to cash, for the first currency management apparatus, a second digital currency corresponding to the transaction amount.

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.

Distributed ledger cores are disclosed. A method for interacting with a distributed ledger core may include: (1) a distributed banking ledger in a blockchain-based distributed ledger system receiving a transaction request for a transaction from a client system; (2) a smart contract creating a pending transaction; (3) the smart contract sending a posting request for the pending transaction to a ledger interoperability service; (4) the posting generation service generating accounting movements for the transaction; (5) the posting execution service posting the accounting movements and providing posting details to the ledger interoperability service; (6) validating the posting details with a data services module; (7) the smart contract receiving a posting validation complete notification from the posting execution service via the ledger interoperability service; (8) the smart contract settling the transaction on the distributed banking ledger by writing the transaction as a new block to the distributed banking ledger.

Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Systems and methods for issuing and using dedicated tokens for rewards accounts are disclosed. In one embodiment, in a token service provider information processing apparatus comprising at least one computer processor, a method for issuing dedicated tokens for reward accounts may include: (1) receiving, from an electronic wallet, a request to provision a credit or debit-based token for a financial instrument and a dedicated reward-based token for rewards-based transactions associated with the financial instrument to an electronic wallet; (2) generating the credit or debit-based token and the dedicated reward-based token; and (3) providing the credit or debit-based token and the dedicated reward-based token to the electronic wallet and to the issuing bank.