A payment method, a payer terminal, and a payee terminal are provided. The method includes receiving a transaction request from a payee terminal that includes a payment amount and determining whether an electronic cash application has a balance that is sufficient to cover the payment amount. If the balance is not sufficient, determining whether there are at least two electronic cash applications, a sum of whose balances are greater than or equal to the payment amount. If the balances are sufficient, selecting a group of electronic cash applications, a sum of whose balances are greater than or equal to the payment amount, performing deduction from a balance of each selected electronic cash application until a sum of the deduction is equal to the payment amount; and sending account number and corresponding deduction data of each of the selected electronic cash applications and transaction identifications to the payee terminal.

One embodiment may include a machine for providing beverages. The machine may include a reader configured to read data representative of an available balance for a user to obtain beverages from the machine from a machine-readable medium and electronics. The electronics may be configured to receive the data from the machine-readable medium in response to the user positioning the machine-readable medium within reading distance of the reader, enable the user to dispense a beverage into a vessel, and update the available balance of the machine-readable medium so as to reduce or prevent the user from dispensing unlimited beverages.

Embodiments described herein provide a client system for facilitating enhanced offline payment. During operation, the system obtains a location indicator, which indicates the location of a service, from a charging system. The system then generates an offline code that allows access to the service and corresponds to the location indicator. The offline code can be readable by the charging system, and the client system and the charging system can both be offline. Subsequently, the system encodes the historical data associated with the service in a field of the offline code and sends a message comprising the offline code to the charging system.

Methods and systems for fault tolerant token based transactions are described. A user may perform a transaction with a mobile device. The mobile device may be in an offline mode or may be lacking a network connection to servers or cloud devices of a mobile payment system. The transaction may be processed through a transaction device, which may aid in the sending and receiving of transaction data while the mobile device is in the offline mode. The transaction device may communicate with the server or cloud device and the server or cloud device may process the transaction and communicate with the transaction device, which may forward data from the server or cloud device to the mobile device.

Aspects of a system and apparatus for accessing online services subject to limitations and restrictions are disclosed. An operator, also referenced herein as a vendor or subscriber, access a third party host server. The operator provides a plurality of data parameters describing a scope and extent of user privileges with respect to one or more services available to the server via a network or internet connection. A user may download an application and use the services, including providing funds through an account funded by the user where applicable. The user's access to the service at issue may be subject to the data parameters at the server, which may provide limitations or restriction on the use of the service by the server, or which, in appropriate cases, may deny service.

The invention provides techniques for enabling offline devices that do not have an active connection to an account-based CBDC network to participate in CBDC network processes such as asset transfers. This is enabled by defining an offline protocol that governs the handling of such processes in an offline state. A collateral chain is provided by the CBDC network that links together multiple accounts so that an account lower down in the collateral chain can be used to settle a transaction in the case where an account higher up the chain does not hold sufficient CBDC to settle the transaction. On the device side, offline transaction messages are exchanged that enable either device to commit the transaction to the CBDC network once the device obtains an active connection to the CBDC network.

Embodiments of the invention are directed to systems, methods, and computer program products for a pre-endorsement decisioning matrix for adapted delayed trigger resource distribution programs. The invention utilizes machine learning to perform real-time obligation extraction and population with respect to adapted delayed trigger resource distribution programs. The matrix performs two functions with respect to adapted delayed trigger resource distributions. First, the system performs a right of real-time modification of an adapted delayed trigger resource distribution occurring between a user and product producer. Second, the system performs a right to extend product opportunities to a user bases on user historic adapted delayed trigger resource distribution obligation satisfaction.

A settlement system with higher security which replaces a settlement system using credit cards is provided. The settlement system has a user terminal, a settlement device, and a settlement terminal. First, a user ID, a password, and amount information identifying an amount are inputted in the settlement system (S912), and sent to the settlement device (S913). The settlement device performs credit determination (S922), generates temporary permission information if credit is possible (S923), and sends the temporary permission information to the user terminal (S924). The user terminal generates a one-time password (S915). The one-time password is inputted to the settlement terminal (S931). If the one-time password sent from the settlement terminal to the settlement device is identical to the one-time password created in the settlement device (S926), the settlement device allows a user's payment (S927).

Various embodiments herein each include at least one of systems, methods, and software for value transfer between disparate systems. One such embodiment includes receiving a transfer request to transfer a value from a first account provider to an account maintained with a second account provider and including data identifying an individual or entity that initiated the transfer request. This method also includes identifying the second account provider based on data included in the transfer request and generating a request to transfer the value of the transfer request to the account in a format compatible with the second account provider. The method may then transmit the generated request to the second account provider.

Embodiments described herein provide a client system for facilitating enhanced offline payment. During operation, the system obtains a location indicator, which indicates the location of a service, from a charging system. The system then generates an offline code that allows access to the service and corresponds to the location indicator. The offline code can be readable by the charging system, and the client system and the charging system can both be offline. Subsequently, the system encodes the historical data associated with the service in a field of the offline code and sends a message comprising the offline code to the charging system.