A request to separate a transfer into a plurality of parts may be received, the request defining a total amount and a total time period. A plurality of request for transfer links may be prepared. Each of the links may be associated with a different transfer time period, each transfer time period being less than or equal to the total time period. Each of the links may be associated with a separate transfer part amount, and a summation of the separate transfer part amounts may be equal to the total amount. A plurality of request for transfer links may be provided to a transferor device, each link allowing a transfer to fulfill the separate transfer part amount to be performed without requiring input of the separate transfer part amount or recipient information.

A method comprises receiving a route of an aircraft, identifying a plurality of service providers to provide data services for the aircraft based on the route, receiving data from the plurality of service providers associated with the data services, transmitting the data received from the plurality of service providers to the aircraft, determining a total amount associated with all of the data services provided by the plurality of service providers, and transmitting information on the total amount associated with all of the data services provided by the plurality of service providers.

A system and method for payment of services, especially health care services, at fixed prices allows a user to purchase a service card that is accepted by a service provider for full payment of a service. A card manager holds funds from the sale of the card and releases the funds to a service provider when documentation that the service has been provided is received.

Systems as described herein generate an outstanding check alert. An alert generating server may receive transaction records associated with a plurality of checking accounts. The alert generating server may user a first machine learning classifier to determine a transaction pattern indicating a merchant has failed to process outstanding checks for a period of time. The alert generating server may receive sequential check information comprising at least one missing check number associated with a particular checking account. The alert generating server may user a second machine learning classifier to determine at least one outstanding check associated with the particular checking account. The alert generating server may send an alert indicating the at least one outstanding check to a user device.

The purpose of the present disclosure is to enhance the degree of freedom for settlement, even once the settlement method has been selected by the user. A method for processing information makes an information processing device execute: acquiring information from a unit storing settlement history information including at least one piece of settlement information on each of a plurality of users, the acquired information containing at least one piece of settlement information on a first user; specifying at least one piece of settlement information from the settlement history information, in response to operation by the first user with another information processing device, on which the settlement history information is displayed; displaying an amount of money based on a settlement amount included in the at least one piece of settlement information on the other information processing device, the displayed amount being an amount to be loaned to the first user; and lending the amount of money determined in response to the operation by the first user with the other information processing device to the first user.

Systems and methods allow for the integrated circuit cards (ICCs) to removably couple to each other and transmit information to an access device as a single device. One among the two or more ICCs coupled together may read data from the remaining ICCs and provide the data to an access device via contactless communication. The ICC may include a substrate; an integrated circuit embedded in the substrate; input ports exposed on a first surface of the substrate, and output ports exposed on a second surface of the substrate. The input ports and the output ports are electrically coupled to the integrated circuit. The output ports are configured to be removably coupled to the input ports of a second ICC.

A method and system for managing financial risk through the use of postpaid processing during use of wireless services is presented within the scope of the following invention. The present invention uses credit card authorization to pre-reserve credit card funds for wireless services in excess of planned usage. Authorizations eliminate the credit risk associated with overages and payment timing, and also maintain a customer experience identical to postpaid processing. The authorizations are invisible to the customer and no charge is brought to a customer's credit card until the monthly bill is settled. Separating the authorization and settlement stages of retail wireless payment processing allows the branded wireless provider to avoid inherent areas of credit risk during the tenure of a customer's wireless service, while maintaining a familiar customer experience.

The present application discloses a method of issuing pseudonymous authorisation tickets to nodes of a cooperative ITS, for signing messages, comprising: receiving a ticket request from a node in an authorisation server, and sending a validation request to an enrolment server, conducting a validity check in the enrolment server, and, when the validity check is passed, incrementing a counter value of a counter assigned to an account at an account server enrolled with the enrolment server for the requesting node, sending a validation message to the authorisation server, and issuing a pseudonymous authorisation ticket from the authorisation server to the requesting node, repeating the aforementioned steps until a predetermined charging period expires, and, upon expiry, sending, from the enrolment server to the authorisation server, said counter value, and sending a charging request calculated from said counter value from the authorisation server to the account server for charging said account.

Systems and methods are provided for managing shared expenses. The systems and methods may include a financial service provider identifying shared expenses in a customer's transaction history with software application executed on a server or personal computing device. The financial service provider may identify other individuals with whom the customer shares the expense, and send requests for reimbursement on the customer's behalf. The financial service provider ay monitor the status of reimbursement payments, and send reminders as necessary until the shared expense has been reimbursed.

Systems and methods for secure and efficient bill capture, analysis, and execution are provided. A method may include capturing, via a camera embedded in a smart card, an image of a bill. The bill may include a plurality of text fields. The method may include processing the text fields via a microprocessor embedded in the smart card. The method may include determining, based at least in part on the processing of the text fields, a balance amount and a payment recipient associated with the bill. The method may also include executing a payment for the balance amount from an account associated with a user of the smart card to an account associated with the payment recipient. The executing may be performed via a wireless communication element embedded in the smart card which may be configured to provide wireless communication between the smart card and a payment gateway.