The disclosure relates to a deferred real-time payment (RTP) in a trusted and secure system environment to pay for a deferred fulfillment order. The deferred fulfillment order includes products or services that may be fulfilled in part or in full after authorization of the deferred RTP. To facilitate trust and security, a deferred payment system may digitally sign certificates issued to various entities in the system environment. Devices in the system environment may transmit and receive messages to create and later settle deferred RTPs that are trusted based on authentication of the digitally signed certificates, which mitigate against security threats such as man-in-the-middle attacks in a communication network.

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.

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.

Data representing ownership of a traditional asset of a first party having a predefined monetary value stored at a first party network node is replicated to a plurality of other party network nodes, including a second party network node, communicably coupled to the first party network node and to one another. Entry of data is received at the first party network node that represents a partition by the first party of the asset of the first party on a non-value axis into at least two non-overlapping assets and a transfer of ownership of one of those two assets to the second party. The data representing the partition of the non-value axis and transfer of ownership of one of the two non-overlapping assets to the second party is replicated to the plurality of other party nodes, including the second party network node.

Applications for automatically transacting charitable donations triggered by location-based events and activities. The applications aggregate triggered donations and conduct a financial transaction when the aggregate amount meets or exceeds a pre-determined threshold. The applications also generate an audible notification to the user and others nearby when each donation is triggered.

A method and apparatus for EMV terminal device testing using a simulation of a plurality of EMV cards when interacting with an EMV terminal device emulator are described. The method may include establishing, by an EMV card emulator, an interface with the EMV terminal device emulator for the exchange of EMV card present transaction communications between the EMV card emulator and the EMV terminal device emulator. Furthermore, for each of a plurality of simulated EMV cards, the method may include exchanging one or more communications with the EMV terminal device emulator via the interface, wherein each communication simulates a communication generated by a simulated integrated circuit of an EMV card in response to a communication generated by the EMV terminal device emulator, and then causing at least one transaction to be run by the EMV terminal device emulator using the exchange of the one or more communications between the EMV card emulator and the EMV terminal device emulator.

Methods and systems for extending credit associated with credit ratings are disclosed. One or more credit scores of a person may he received and, if the credit scores are insufficient to qualify the person for a credit line from a lender, the lender may inform the person what actions can be undertaken to improve the credit scores. Once completed, the lender may then extend a credit line to the person. Alternatively, a lender may receive a first credit score of a person and determine the actions to be undertaken in order to improve the credit score to a second credit score. Pre-determined time periods for completion may he established. The lender may determine different credit lines based upon different credit scores and extend a credit line to the person or upgrade/downgrade the credit line if certain actions are completed or not completed.

Methods and systems for extending credit associated with credit ratings are disclosed. One or more credit scores of a person may he received and, if the credit scores are insufficient to qualify the person for a credit line from a lender, the lender may inform the person what actions can be undertaken to improve the credit scores. Once completed, the lender may then extend a credit line to the person. Alternatively, a lender may receive a first credit score of a person and determine the actions to be undertaken in order to improve the credit score to a second credit score. Pre-determined time periods for completion may he established. The lender may determine different credit lines based upon different credit scores and extend a credit line to the person or upgrade/downgrade the credit line if certain actions are completed or not completed.

The invention of smart system for transferring and exchanging goods and services in the financial platform is an application to create the possibility for interactions among people and especially it is a web-based system for informing, identifying and exchanging services, goods and liquidity resources with each other which this exchange can be based on the existed credit in the system. This system is equipped with a value and credit creating structure based on the performed interactions. The operating observation port for the users can be various types of websites or installable applications on the personal equipments including mobiles, tablets, phone pads, different types of PCs and any system and structure usable in cyber space. The said system is usable for users with any nationality and language. In this system each person states and files his request by announcing his ability to do a service or based on another good.

A method includes a network processing computer receiving an authorization request message comprising a token and a cryptogram during an interaction between a resource provider and a user. The network processing computer determines user credentials associated with the token. The network processing computer then determines a plan identifier based on the authorization request message. The network processing computer provides the plan identified to an authorizing entity computer.