Devices, systems, method, and program products are provided, which support temporally-seamless change functionalities during multichannel streaming sessions established between a streaming media server and a client media receiver. In embodiments, the method includes outputting, to a display device, a first streaming channel contained in a streaming channel bundle and assigned a high priority level. When receiving a channel change request to view a second streaming channel, the client media receiver monitors for additional channel change requests over a predetermined wait period. If an additional channel change request is received within the wait period, the client media receiver repeats the step of monitoring. Conversely, if an additional channel change request is not received with the wait period, the client media receiver sends a channel reprioritization command to the streaming media server to prioritize the second streaming channel over the first streaming channel in continued transmission of the streaming channel bundle.

Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee, wherein: the payor is associated with a payor user profile of the payee system; and the request comprises a transfer token associated with the payor and the payee; retrieving transfer data based on the transfer token, wherein: the transfer data is associated with the transfer token, a payor financial institution for the payor, and a selected payor account owned by the payor and maintained by the payor financial institution; and the transfer data comprises an access token for the payor financial institution and the payor; using the access token to access one or more eligible payor accounts owned by the payor and maintained by the payor financial institution, the one or more eligible payor accounts comprising the selected payor account; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein: the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer; and the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account. Other embodiments are disclosed herein.

Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee, wherein the payor is associated with a payor user profile of the payee system; causing a payor device for the payor to display an authorization user interface for the payor to authorize a payor financial institution to grant an access code to the system; requesting, from the payor financial institution, one or more eligible payor accounts owned by the payor and maintained by the payor financial institution; causing the payor device to display the one or more eligible payor accounts for the payor to determine a selected payor account of the one or more eligible payor accounts for the transfer; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein: the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer; and the payee account is owned by the payee and maintained by the payee financial institution; when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account; generating a transfer token associated with the payor and the payee; storing transfer data for the transfer, the transfer data being associated with the transfer token; and transmitting the transfer token to the payee system, wherein the payee system stores the transfer token with the payor user profile. Other embodiments are disclosed herein.

Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving a request for a transfer from a selected payor account of a payor to a payee; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer, wherein the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account, wherein facilitating the transfer comprises: sending transfer information to a payor financial institution to cause the payor financial institution to send a request for payment through a real-time settlement network to the payee financial institution to authorize a real-time credit transfer from the selected payor account to the payee account, wherein the real-time credit transfer is settled in real-time through the real-time settlement network. Other embodiments are disclosed herein.

Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, at a system from a payee system for a payee, a request for a transfer from a payor to the payee, wherein: the request is sent by the payee without the payor selecting to use the system for the transfer; the payor is associated with a payor user profile of the payee system; and the request comprises a transfer token associated with the payor and the payee; retrieving a transfer data based on the transfer token, wherein: the transfer data is associated with the transfer token, a payor financial institution for the payor, and a selected payor account owned by the payor and maintained by the payor financial institution; and the transfer data comprises an access token for the payor financial institution and the payor; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer, wherein: the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account. Other embodiments are disclosed herein.

Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee; causing a payor device of the payor to display an authorization user interface for the payor to authorize a payor financial institution to grant an access code to the one or more processors; in response to the payor financial institution granting the access code, requesting, from the payor financial institution, one or more eligible payor accounts owned by the payor and maintained by the payor financial institution; causing the payor device to display the one or more eligible payor accounts for the payor to determine a selected payor account of the one or more eligible payor accounts for the transfer; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein: the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer; and the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account. Other embodiments are disclosed herein.

A method including receiving, at a payment-messaging system from a payee financial institution, a request for payor profile information. The request can include a public identifier of a payor. The acts also can include determining, using a directory at the payment-messaging system, the payor profile information based on the request. The payor profile information can include a routing transit number for a payor financial institution that maintains a payor account of the payor when the payor financial institution is enabled to send real-time payments through a real-time settlement network. The payor profile information does not include an account number of the payor account. The acts additionally can include sending, from the payment-messaging system to the payee financial institution, the payor profile information, to cause: the payee financial institution to determine whether the payor profile information includes the routing transit number for the payor financial institution; and the payee financial institution, when the payor profile information includes the routing transit number for the payor financial institution, to send a request for payment through the real-time settlement network to the payor financial institution to allow the payor to authorize a real-time credit transfer from the payor account to a payee account of a payee maintained at the payee financial institution. The real-time credit transfer can be settled through the real-time settlement network. Other embodiments are disclosed.

A display device is provided. The display apparatus includes: a display configured to display a user interface screen; an input interface configured to receive a user operation to select and execute at least one menu item included in the user interface screen; and a processor configured to separately recognize a short click and a long press based on an input time of the user operation, constantly maintain an execution speed of a function corresponding to a selected menu item within a preset critical time in the time for which the input of the long press is continued and accelerate the execution speed of the corresponding function after the preset critical time passes.

A method is implemented at an Internet-connected remote control device for reviewing content channels on an Internet-connected display device that is associated with the remote control device via a user account maintained at a server. In response to receiving a user actuation of a user button, the remote control identifies a first Internet content channel that is currently being displayed on the display device, and obtains a preferred channel list including a sequence of Internet content channels that is associated with the user account and includes the first Internet content channel. The remote control then identifies a second Internet content channel that follows the first Internet content channel in the preferred channel list, and transmits to the server a first channel change message including information of the second Internet content channel to cause the Internet-connected display device to display media content provided by the second content channel.

A display device is provided. The display apparatus includes: a display configured to display a user interface screen; an input interface configured to receive a user operation to select and execute at least one menu item included in the user interface screen; and a processor configured to separately recognize a short click and a long press based on an input time of the user operation, constantly maintain an execution speed of a function corresponding to a selected menu item within a preset critical time in the time for which the input of the long press is continued and accelerate the execution speed of the corresponding function after the preset critical time passes.