A computer-implemented method is disclosed. The method includes: receiving transfer parameters associated with a request for a first transfer of resources, the transfer parameters including an identifier of a designated transferor associated with the first transfer; determining that the transferor is eligible to access at least one protected data source based on the transfer parameters; generating a request message for the request including reference data for accessing the at least one protected data source; and providing, to a computing device associated with the transferor, the request message.

A smart street parking management system includes a smart street parking meter a smart cloud parking management server connected to the smart street parking meter through a wireless networking technology and configured to regularly receive parking information of a vehicle parked on a smart street parking grid and status information of the smart street parking meter uploaded by the smart street parking meter. The status information of the smart street parking meter includes an empty-space status of the street parking grid detected by the smart street parking meter and a battery status of a rechargeable battery of the smart street parking meter. The parking information of the vehicle includes the plate number of the vehicle, the parking fee of the vehicle, and a payment status of the parking fee of the vehicle.

Methods and apparatus consistent with the present disclosure allow a customer or payor to select from a plurality of nearby vendors or payees when a computing device of the payor is physically close to electronic devices of the payees. Payee devices and locations of those payee devices may be identified and displayed on a display of a payor device. Once displayed, a specific payee device may be selected by the customer and an order for a product or service may be sent to the selected payee device from the payor device. After the product or service has been provided to the customer, information that confirms that purchase may be sent to any of the selected payee device, the payor device, or a payment processing computer and funds to pay for the product or service may be deposited into an account of the payee based on the confirmation.

A computer software application (APP) is programmed into a smartphone. The smartphone allows a user to access various concessions and facilitate ordering items such as food, beverages, souvenirs, and memorabilia. The APP allows the user to input their seat location so the vendor can locate the user to deliver what has been ordered. The APP includes information concerning the user. The concessionaires all have a communication device allowing them to receive orders from users and to fulfill them.

An electric vehicle charger includes a power supply and a controller. The power supply is for supplying electric power over a charging connection to an electric vehicle. The charging connection employs charging conductors to supply electric power from the power supply to the electric vehicle for charging. The power supply is adapted to send data to and receive data from the electric vehicle over the charging conductors according to a power-line communications protocol. The controller coupled to the power supply to control supply of electric power to the electric vehicle, The controller is adapted to, prior to initiating supply of electric power by the power supply to the electric vehicle for charging, communicate with the electric vehicle to identify a payment method associated with the electric vehicle and with the payment network to authorize the payment method for payment for electric power supplied to the electric vehicle for charging.

The present disclosure relates to a payment system and method using a real-name account of a seller, the system and method being expanded from universal payment gateway (PG) platforms to the over the top (OTT) platform market and, more specifically, a payment system and method in which a payment exclusive account (hereinafter, payment account) opened in the real-name of a seller is used by default so that, in non-face-to-face electronic commerce, transactions may be conducted in real-time through live broadcasts between a plurality of unspecified sellers and a plurality of unspecified buyers at home and abroad, thereby enabling convenient, speedy, and safe processing with reduced processing costs.

A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.

Disclosed herein are system, method, and computer program product embodiments for third-party sponsorship of incentives to beneficiaries via secure and continuous data retrieval across several sources of record. These sources of record may have multiple data layers across different servers and regulatory coverages. To incentivize beneficiaries to create mutually acceptable outcomes for both beneficiaries and sponsors, criteria with varying levels of detail may be established for the apportionment of incentives. To qualify beneficiaries, a multi-tier processor may retrieve securely from various internal and external data sources, confirm, qualify, quantify, and issue actions that result in the transfer of incentive from a sponsoring entity's account to an end beneficiary account. To enable such a processor to run across multiple sponsors and associated beneficiaries, the data architecture and retrieval process may provide incentive apportionment with full accuracy and scalability while segregating data storage and processing to achieve better security and privacy.

Systems as described herein may describe transactions using Unicode emojis. A description server may obtain transaction data associated with an entity. At least one feature of the transaction may be determined using a machine classifier. The description server may determine a visual representation for each feature associated with the transaction. Accordingly, a transaction summary comprising the transaction data and the visual representations may be generated and provided to a computing device.

A checkout system includes a mobile point-of-sale (POS) apparatus and a server. The mobile POS apparatus includes a code reader, a user interface, a display, a wireless communication interface, and a processor. The processor controls the wireless communication interface to transmit a product code read by the code reader and a settlement instruction based on a user operation on the user interface. The server is configured to generate a data record including the product code and transmit a settlement request to a settlement server upon receiving the settlement instruction. If a settlement non-completion response is received from the settlement server, the server stores transaction data including a first identifier indicating the settlement request and a second identifier indicating the transaction data in a database and causes the display of the mobile POS apparatus to display a code symbol representing the second identifier.