A system and method for extending a firm offer of credit without regard to the credit risk profile of the credit applicant is disclosed. Using seller-defined and/or system and method provider configured business rules and related payment computations, the system derives a series of initial payments representing a down payment. After the down payment is collected, the goods or services are delivered. The purchaser may elect upfront from a plurality of payment options, including the automatic collection through recurring pre-authorized electronic funds transfers to a deposit account or via authorized and settled credit or debit card authorization(s). A purchaser using either of these options has the option, upon receipt of the goods or services, to pay the remaining balance through the continuation of electronic funds transfers or, at any point prior to completion of payments using a one-time authorized amount for the balance due alternative form of payment like cash, credit or debit card, to pay off the remaining balance.

A method includes providing a first payment account that is issued by a first financial institution and enables an accountholder thereof to make payments at merchants via a closed-loop payments network corresponding to the first financial institution and mobile person-to-person payments using the payment account. The method includes enabling a second payment account that is issued by a second financial institution to be electronically linked to the first payment account and used as a source of funds. The method includes providing a mobile operating system and enabling a plurality of merchant-specific payment accounts to be associated with a mobile communications device having the operating system. The method includes determining whether a merchant-specific payment account that is accepted only by a particular merchant is available to the accountholder via the mobile communications device and receiving a fee when the first payment account is used for a purchase.

A third-party data balance transfer system enables a user of a wireless service network to transfer a data balance to another user of the wireless service network. For example, a third-party data balance transfer system may provide an interface to receive a request from a donor to transfer a data balance to a recipient. A third-party data balance transfer system may verify that the donor is eligible to transfer a data balance, and that the recipient is eligible to receive data. The third-party data balance transfer system may forward a message to the recipient when the eligibility of the donor and recipient are verified. The message may include instructions that direct the recipient to perform certain actions to activate the transfer a data balance. The third-party data balance transfer system may detect when the recipient performs the actions, and the third-party data balance transfer system may update account records for the wireless service network to enable the recipient to access the data balance transfer.

A third-party data balance transfer system enables a user of a wireless service network to transfer a data balance to another user of the wireless service network. For example, a third-party data balance transfer system may provide an interface to receive a request from a donor to transfer a data balance to a recipient. A third-party data balance transfer system may verify that the donor is eligible to transfer a data balance, and that the recipient is eligible to receive data. The third-party data balance transfer system may forward a message to the recipient when the eligibility of the donor and recipient are verified. The message may include instructions that direct the recipient to perform certain actions to activate the transfer a data balance. The third-party data balance transfer system may detect when the recipient performs the actions, and the third-party data balance transfer system may update account records for the wireless service network to enable the recipient to access the data balance transfer.

A register system includes a first reader configured to optically read a code, a second reader configured to magnetically or electronically read user data from a medium carried by a user, an operation key that is activated to complete product registration, and a processor. The processor is configured to register products as codes on the products are optically read by the first reader and, as the products are being registered, determine whether or not a condition for completing product registration is satisfied using data about the products that have been registered and the user data read by the second reader, and if the condition is not satisfied at any time prior to activation of the operation key, generate a notification about the condition not being satisfied.

An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.

Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.

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.

Provided are systems, methods and devices for increasing security in a financial transaction when using a smartcard. The system includes a smartcard for payment in a financial transaction, the smartcard having a memory for storing a first actuation sequence for confirming a user's identity; wherein the smartcard has a checking module that authorizes the transaction only when a second actuation sequence is identical to the first actuation sequence stored in the memory; a point of sale terminal for recording payment details from the smartcard once the financial transaction is authorized and transmitting a request for payment through a network to a financial institution according to the payment details; and a financial institution authorizing computer for allowing recording of an actuation sequence on the smartcard and making payment to the owner of the point of sale terminal once the transaction is authorized, according to the payment details.

The present systems, devices, and methods relate to managing vehicle battery charging. Payment for charging is preauthorized, and a receipt for preauthorization is sent from a payment management device to a user device when the user device has access to internet or cellular communications. This preauthorization receipt is later sent from the user device to a charge station where internet or cellular communication is not available, to enable charging of the vehicle battery at the charge station. Another receipt is sent from the charge station to the user device after charging of the vehicle, indicating a payment amount for actual energy used to charge the battery. Later, when the user device has access to cellular or internet communications, the user device sends the receipt indicating payment amount for actual energy used to the payment management device, for final payment balancing.