The gifting systems and corresponding methods of the present disclosure electronically provide a stored value instrument as a gift in place of a suggested product. The methods include taking a selected product offered for sale on a merchant's eCommerce website, converting that product into a gift suggestion, and delivering a personalized message including the gift suggestion and the stored value instrument to a gift recipient, based on various calculations, rules, and user inputs. The gift recipient can either purchase the suggested gift or any other gift from the eCommerce website's merchant using the stored value instrument. These systems and methods support multiple contributors to the gift and can be used via social or non-social networks. These systems and methods also support the delivery of personalized online messages related to a gift via social networks, email, or SMS. The personalized online messages include eGreeting cards, written messages, video recordings, and/or photos.

An Iconsent application allows a party to consent to a transaction or to a romantic advance. The party is given a request, and if accepted, the acceptance is stored along with the biometric indicating that the authorized user did in fact carry out the acceptance.

Systems and methods are disclosed to provide flaw accentuation to an image in an e-commerce online marketplace. In some embodiments, a method may include receiving at an online marketplace, from a seller through the Internet, an image of an item being listed for sale at the online marketplace and text related to the item being listed for sale; determining that the item includes a flaw based on the text related to the item being listed for sale or the image of the item; creating a flaw accentuation to the image; and creating a listing in the online marketplace for the item that includes the image and the flaw accentuation to the image.

A mechanism for providing electronic commerce data onto publisher's site. The mechanism also provides ability for a consumer to interact with that data to complete a purchase from within the publisher's website or application. A method includes retrieving merchandise data from a plurality of merchants and storing at least one group of merchandise data formed based on the merchandise data and content on a publisher site. The method also includes embedding the group of merchandise data on the content of the publisher's website and generating a merchandise frame in view of the embedment. The method further includes rendering the merchandise frame directly onto the publisher site. The method further includes rendering a universal check out frame on the publisher's site, which provides the user the ability to check out from multiple retailers within a single universal check out on a publisher's site.

Disclosed herein are systems, methods, and computer program products for communicating a first information node between a seller and a buyer of a production share of verifiable physical goods over a central service layer. A second information node is recorded in the data store covering the verifiable physical goods, wherein the second information node is made by a guarantor in communication with the central service layer. An identifier of the second information node is associated with the first information node over the central service layer. Market information regarding the production share is translated from the first information node and the second information node accessed from the data store using the identifier and integrating the market information regarding the production share into adjusted market information, and the market information regarding the production share and the adjusted market information is transmitted to devices connected over the central service layer.

A computing system includes a database, a processor, at least one processor, and at least one program logic stored in at least one memory that, when executed, is configured to cause the at least one processor to: receive, from an entity computing system, a request related to a layaway transaction of a user; facilitate initiation of a layaway deposit account, wherein facilitating initiation of the layaway deposit account comprises: determining that the user has a profile in the database; associating the layaway deposit account with the profile; generating at least one rule that governs the layaway deposit account; and associating the at least one rule with the layaway deposit account; and receive, from an automated teller machine (ATM), a funds deposit amount that complies with the at least one rule associated with the layaway deposit account.

A device may receive user data associated with a product or service, the user data including a user identifier associated with a user. The device may identify a business application that is relevant to the product or service, the business application being designed to provide the user with a business offer related to the product or service. In addition, the device may provide the user data to the business application and receive, from the business application, business application state data and user response data, the business application state data specifying a partially completed transaction associated with the product or service, and the user response data including information associated with the partially completed transaction. The device may store the business application state data and the user response data, and perform an action based on the business application state data.

A method for processing disputes in a multi-tenant architecture system includes receiving, at a first service provider, a dispute request from a second service provider that manages entity identities of a plurality of customers. The dispute request indicates a disputed transaction between a customer of the plurality of customers and another entity. The method includes accessing an identity manager to determine a customer representation, the identity manager previously onboarded the plurality of customers as a plurality of customer representations. The identity manager is hosted by the first service provider that manages customer representations corresponding to entity identities of the customers. The dispute request is propagated with the customer representation to a dispute management engine that determines an outcome for the dispute, the determination based on characteristics of the disputed transaction and on characteristics of the customer. The method also includes propagating the determination to the second service provider.

A method for operating a real estate sales transaction system includes setting up a transaction system for real estate which is to be registered for sale in order to sell the real estate; setting the bid cost and number of bidders for the sale of the real estate; receiving the bid cost for the real estate from a plurality of bidders, and receiving bid information related to the transaction of the real estate; analyzing a first information group including at least one from among the bid information, the bid cost, and the number of bidders, and determining whether to conduct a transaction on the real estate; selecting a bidder according to the determined results from among the plurality of bidders when the transaction is conducted on the real estate; and processing the sale for the selected bidder and refunding a certain percentage to unsuccessful bidders.

Embodiments of the specification disclose a transaction execution method, apparatus, and device applicable in a client terminal and a server. The transaction execution method includes: scanning an offline object and a corresponding identification code thereof, the identification code comprising positioning assistance information of the offline object; triggering a recognition process for the offline object and the identification code; and executing a transaction with respect to the offline object based on a result of the recognition process.