Systems and methods are disclosed herein relating to payment processing systems. Payment processing systems facilitate financial transactions between customers and vendors. Cash-enabled payment processing systems facilitate transactions by those without bank accounts or who choose to use a cash-based system. Communication between vendors and customers simplifies invoicing and encourages payment.

A social media based online payment system that allows a customer to use his/her voice to make a payment. Once the cardholder voice is enrolled into the bank's APP or the first payment is made via the social media application—such as the WhatsApp® messaging application or the Facebook® Messenger application, all future payments can be made with a simple voice command, secured through biometric voice authentication. The customer does not need to share sensitive credit/debit card information every time he/she makes a payment. The system tokenizes and encrypts the card information, and also registers the customer's voice fingerprint. The customer can make future payments to any affiliated merchant with a voice command, as simple as sending a voice message through the social media application. Businesses can send payment requests to their customers through social media messages. The customer may attend to the merchant's messages whenever he/she wishes, without jeopardizing financial safety and without receiving annoying phone calls for payments.

A transaction method, a terminal device, a payment system, a merchant system, and a storage medium. The transaction method comprises: generating a payment request (101); sending the payment request in a rich media message format to a payment system (102); and receiving a payment processing result in a rich media message format from the payment system, wherein the payment processing result corresponds to the payment request (104). A user can make payment by sending and receiving rich media messages without needing to install multiple payment applications, thereby enabling convenient operation.

Systems, methods, and computer-readable media are described for facilitating payment between mobile devices through respective mobile service providers. Access to a payment system is provided through a universal mobile device keyboard with a payment key embedded within the universal mobile device keyboard. Selecting the payment key may initiate the payment between a user and a message recipient through their respective mobile device accounts.

Systems, computer program products, and methods are described herein for automatically generating resource distributions. The present invention may be configured to receive a text-based instruction and parse, using a machine learning model, the text-based instruction to generate a structured resource distribution including predicted distribution elements. The present invention may be configured to generate, based on the structured resource distribution, a resource distribution. In some embodiments, the text-based instruction may include an email message, an SMS message, recorded speech converted to text, text input to a chat function, text recognized in an image, and/or the like.

A method for electronic receipt transfer via ultra-wideband electronic (UWB) radio technology may include: causing, by a payment terminal computer program, an UWB radio to transmit a range request signal from a first antenna; receiving, by the payment terminal computer program and one or more customer electronic devices, a pair of replies to the range request signal, each comprising a first reply signal received at the first antenna and a second reply signal received at a second antenna; determining, by the payment terminal computer program, a distance between the UWB radio and each customer electronic device based on a time of flight; selecting, by the payment terminal computer program, the customer electronic devices having the distance that is closest to the UWB radio; and communicating, by the payment terminal computer program, an electronic receipt for a transaction to the selected customer electronic device.

Among other things, a server receives from a payer an indication of a payment to be made from an account of the payer to an account of a biller. The server is hosted independently of a party that maintains the account for the payer or the biller. The server receives authentication information from the payer that authenticates an association of the payer with the account of the payer. After the association has been authenticated and without requiring the payer to obtain online access to the payer's account, the server sends to the party that maintains the account for the payer a credit transfer from the account of the payer into the account of the biller.

Systems and methods are disclosed herein relating to payment processing systems. Payment processing systems facilitate financial transactions between customers and vendors. Cash-enabled payment processing systems facilitate transactions by those without bank accounts or who choose to use a cash-based system. Communication between vendors and customers simplifies invoicing and encourages payment.

It is proposed a method and system to improve the security of electronic messages exchange between two or more users. The proposed electronic messaging mechanism allows guaranteeing the integrity of a message exchange (i.e., no message has been added, modified, reordered, nor removed from the message exchange), as well as its non-repudiation (i.e., users are univocally associated with the message exchange and cannot deny being authors of the messages they sent), using a local or external blockchain.

An automated payment delivery system is provided that combines electronic investigative data methods with fintech payment systems to deliver payments to payees. The system can be configured to receive payee account information, optionally enrich the payee account information through data discovered in public and private databases, automatically generate unique communications to each payee, verify the identity of the payee, and initiate electronic payment of the payment to the payee.