Systems as described herein may use computer-readable code to extend access to an account. A delegation server may receive a predetermined limit and an activity period associated with an account from a first user who is an account holder. A virtual number may be generated with a reference to the account. The delegation server may encrypt the virtual number and generate a computer-readable code based on the virtual number. The computer-readable may be provided to a digital wallet of a second user to delegate the second user to have temporary access to the underlying account. The second user may then use the temporary access to the underlying account to make one or more purchases in accordance with the restrictions put in place by the accountholder.

Various embodiments for remotely sharing a payment instrument of a first user to a client device of a second user are provided. In some embodiments, a system is configured to receive a first request from a first client device to generate a beneficiary user for a payment instrument account. The system is configured to receive a second request from the first client device in order to generate a virtual payment instrument, and the second request comprises a spending policy. The system is configured to generate the virtual payment instrument for the beneficiary identifier based at least in part on the spending policy and configured to transmit a reference notification for accessing the virtual payment instrument to a second client device. The virtual payment instrument is configured to be restricted for a purchase based at least in part on the spending policy.

A method for authorization of multiple transactions using a single authentication process is described. The method includes determining that a user is an authorized user based on user credentials associated with the user; authorizing a transaction device identified by the authorized user for future electronic transactions with one or more restrictions; and providing previously stored payment card information associated with a user account of the authorized user for electronic transactions initiated at the authorized transaction device in accordance with the one or more restrictions.

A system and method for an enhanced foodservice management system configured to receive a food order, determine a desired “delivery” time for the received food order, and manage the preparation of the food order based on the determined delivery time in order to enhance customer satisfaction with the product they receive and to improve both front-of-house and back-of-house staff's communication and production in fulfilling food orders. The system comprising a food order manager configured to supervise the scheduling and preparation of a plurality of food orders, a table manager configured to conduct table and waitlist management, a payment facilitation server configured to store and manage financial account information and provide user and/or sub-user authorization functionality, and one or more database(s) configured to store a plurality of information associated with customer information, business information, food information, and table history information, delivery information, and various other types of information.

The present teaching relates to methods, systems, and programming for financial management. In an example, a method for performing financial management is presented. A first set of rules associated with a first access credential to an account and a second set of rules associated with a second access credential to the account are provided. The second set of rules is at least partially different from the first set of rules. A determination is made whether the access credential received from a first user matches the first access credential. A first request related to the first user with respect to a transaction is received, and information regarding the transaction is extracted. At least one action is determined with respect to the first request based on the information and the first set of rules.

In various embodiments, the mobile device includes an NFC tag for near-field communication. The NFC tag includes a first storage device and a second storage device. Personal data is stored on the first storage device, which is not accessible by an NFC reader device. Prior to a transaction, the personal data is transmitted from the first storage device to the second storage device, where the data is readable or accessible by the reader device. In one embodiment, the data remains stored in the first storage device and available for future use. In another embodiment, the data comprises financial product data.

Systems and methods for managing media, such as digital content, using block chain technology are described. In some embodiments, the systems and methods perform multiple digital currency transfers between address nodes to register a collection of rights to a digital content item to a block chain, and perform a digital currency transfer transaction between address nodes to register the collection of rights to the block chain.

Methods, systems, and apparatuses are described herein for protecting user accounts using machine learning models. A machine learning model may be trained to determine whether account activity indicates a risk to credit scores. Account data, associated with a first financial account, may processed to determine whether the first financial account is associated with at least one underage user. A transaction request, associated with the first financial account, may be received. A history of transactions conducted by the first financial account may be retrieved. The trained machine learning model may be provided, as input, the transaction request and the history of transactions. An indication of risk to a credit score associated with the at least one underage user may be received as output from the trained machine learning model. A limitation may be added to the first financial account based on the indication of risk.

A secure element integrated within a mobile communications terminal. Such an element includes: at least one first application for processing transactions, having at least one interface for communications with a communications network in a secured manner; and at least one second application for processing secured data, having at least one communications interface for communications with an executing environment of said communications terminal. The first application is able to request at least one piece of data from the second application.

The present disclosure generally relates to techniques for managing contextual transactions. In some examples, at a sender electronic device, a first user provides authorization to purchase an item for a second user. In some examples, at a recipient device, the second user selects one or more attributes for the item and requests to claim the item. In some examples, an electronic device displays a representation of an item and a purchase affordance for purchasing the item using a payment system that is available on the electronic device.