A user device includes a digital payment application and a transactional keyboard client application communicatively coupled to the digital payment application. The transactional keyboard client application is structured to receive a user input associated with one or more keys of the transactional keyboard. The transactional keyboard client application activates a digital application feature of the digital payment application based on the user input associated with the one or more keys. Furthermore, the transactional keyboard client application initiates a digital transaction without accessing the digital payment application.

A process for authorizing wireless service includes providing a generally rectangular flat form factor card having a first surface and opposing second surface. The process further includes providing a machine-readable activation code arranged on the first surface, wherein the machine-readable activation code is configured to authorize the wireless service when provided to a system associated with a wireless service provider, receiving the machine-readable activation code in a server, the machine-readable activation code being captured by a wireless device, and provisioning the wireless service to the wireless device from a wireless network when the machine-readable activation code is provided to the system associated with the wireless network.

The present disclosure relates to generating a filtered data set. Data from a plurality of systems of record of a plurality of data source providers may be accessed. A master data set generated using the data accessed from the plurality of systems of record may be maintained. Restriction policies including one or more rules for restricting sharing of data may be maintained. A filtered data set may be generated for a data source provider responsive to an application of restriction policies of other data source providers to the master data set. The filtered data set may be provisioned.

A processing system deployed in a telecommunication network may obtain data records including data associated with subscribers, cluster the subscribers into a plurality of clusters in accordance with the data, identify a first set of subscribers enrolled in automated clearing house (ACH) payment agreements, and identify a second set of subscribers not enrolled in ACH payment agreements, calculate distance measures for the second set of subscribers, where for each respective subscriber of the second set of subscribers, the distance measures include a respective distance measure of the respective subscriber to a feature centroid for a subset of the first set of subscribers in a same cluster as the respective subscriber, select a subset of the second set of subscribers based upon the plurality of distance measures for receiving an offer in an ACH payment agreement, and present communications to the subset of the second set of subscribers with the offer.

An electronic money system terminates communication to a management center indistinguishably from a case in which the communication to the management center is completed within a predetermined period when it is impossible to complete the communication to the management center within the predetermined period. By switching an operation mode, a predetermined portable terminal is used instead of a communication line to upload and download data. When it is impossible to obtain data required for processing through the communication line, processing is performed based on data possessed up until that time.

There is provided a method of implementing a payment in relation to a telephone call between a customer and a merchant or service provider, the telephone call consisting of a signalling component and a media component. The method comprises, when establishing the telephone call, routing the signalling component to the merchant/service provider via a payment service system and routing the media component directly to the merchant/service provider. The method further comprises, at a communication management system of the merchant or service provider, sending an indication that the customer is required to make a payment to the payment service system and, at the payment service system, upon receipt of the indication that the customer is required to make a payment, using the signalling component of the telephone call to implement a redirection of the media component of the telephone call via the payment service system, extracting payment details of the customer from the redirected media component, and providing the payment details to a payment processing system to action the payment.

Systems and methods are disclosed to facilitate payment of a restaurant bill via text message. For example, a text message having a restaurant bill code may be sent from a customer device to an MPS phone number. A restaurant network address may be extracted for a restaurant computing system. A query may be sent to the restaurant computing system using the restaurant network address with the restaurant bill code. In response, the restaurant computing system may send restaurant bill data that includes least one restaurant menu item, a price for the at least one restaurant menu item, and a total bill amount. A unique URL may be created that when entered into a web browser presents a webpage that includes at least the restaurant bill data. The unique URL may be used by the customer to pay the restaurant bill.

A processing system deployed in a telecommunication network may obtain data records including data associated with subscribers, cluster the subscribers into a plurality of clusters in accordance with the data, identify a first set of subscribers enrolled in automated clearing house (ACH) payment agreements, and identify a second set of subscribers not enrolled in ACH payment agreements, calculate distance measures for the second set of subscribers, where for each respective subscriber of the second set of subscribers, the distance measures include a respective distance measure of the respective subscriber to a feature centroid for a subset of the first set of subscribers in a same cluster as the respective subscriber, select a subset of the second set of subscribers based upon the plurality of distance measures for receiving an offer in an ACH payment agreement, and present communications to the subset of the second set of subscribers with the offer.

A transaction system and process includes providing financial transactions based on a single card. The transaction system and process further including providing prepaid wireless service based on the single card and providing long-distance service based on the single card.

A method is disclosed. The method includes receiving, by a user device from an access device, an available applications request message. The available applications request message includes an access device type identifier. The method also includes determining whether an association exists between the access device type identifier and one or more application identifiers of a plurality of application identifiers stored on the user device. The plurality of application identifiers respectively correspond to different applications on the user device. The method also includes transmitting, by the user device, to the access device, based in part on whether the association exists, an available applications response. The available applications response includes the one or more application identifiers of the plurality of application identifiers associated with the access device type identifier.