Abstract: The present invention provides a method of and system for dynamically loading an executable composite software application, for use on a user device. An enterprise universe including multiple application modules is maintained, with each application module being configured to perform a particular functionality within the software application. This universe is filtered in terms of a particular environment definition to result in an environment subset of application modules, wherein the environment definition defines criteria according to which application modules exist in the environment. In response to receiving a container launch request from a user device, one or more application modules from the environment subset is launched as the executable composite software application on the user device through a container module associated with the user device.

Abstract: A method of operating a matching server for facilitating authorization of payment for a transaction between a customer and a merchant at a point of sale is described. The method includes receiving a merchant match request from a merchant bank server, receiving a customer match request from a customer bank server, and performing a matching operation to determine whether the transaction information included in the merchant match request and the transaction information included in the customer match request satisfy a transaction authorization criteria. If the transaction authorization criteria is satisfied payment for the transaction is deemed to be authorized, and a merchant bank confirmation confirming authorization of the payment for the transaction is communicated to one or both of the merchant bank server and the merchant apparatus.