Abstract: A system for updating a stored value card comprising a transaction device for receiving a request to update the stored value card; a transaction manager arranged in data communication with the transaction device; the transaction manager operable to process the request to update the stored value card; a clearing house arranged to receive processed request from the transaction manager and create a pending transaction status; and a stored value updater network operable to receive the stored value card and thereafter retrieve an identifier of the stored value card; the stored value updater network further operable to retrieve the pending transaction status from the clearing house; wherein upon successful verification of the pending transaction status and the stored value card, the stored value updater network updates the stored value card.

Abstract: An apparatus comprises at least one integrated circuit. The apparatus has a size and shape substantially similar to an ordinary Subscriber Identification Module (SIM) card. The at least one integrated circuit comprises a memory storing first software that, when executed, causes the card to communicate with second software stored on the device. The second software, when executed, causes the device to provide both a SIM and Payment Security Application Module (PSAM) functionality to a user of the device.

Abstract: A computing device for facilitating transactions between one or more remote devices, the device comprising a processing module arranged to interact with the one or more remote devices via a communications network and a database arranged to contain information regarding the state of one or more transaction channels in relation to an account, wherein the module is arranged to receive instructions via the communications network from the one or more remote devices and provide information regarding the state of the one or more transaction channels is disclosed.

Abstract: A system for aggregating a plurality of credit providers to provide credit to at least one consumer comprising a consumer device comprising an identifier associated with the at least one consumer; a central facilitator arranged to receive a request for credit from the consumer device; the request comprises the identifier associated with the at least one consumer; a whitelist database arranged in data communication with the central facilitator, the whitelist database further arranged to receive whitelist information from at least one of the plurality of credit providers; wherein upon receipt of a request for credit, the central facilitator instructs the whitelist database to compare the identifier with the whitelist information to determine if the at least one consumer is whitelisted, such that: if the at least one consumer is whitelisted, the at least one consumer is provided with a first electronic interface to complete an application for credit; if the at least one consumer is not whitelisted, the at least

Abstract: A system and method for activating a mobile device to initiate a communication directed to a target device is disclosed. The system and method may be implemented via a computing device arranged to send a request for activating the mobile device to initiate a communication, the request comprising a unique identifier of the target device; an unique identifier of the mobile device and contextual information relating to the communication; wherein the mobile device is arranged to receive the request to initiate the machine communication and upon receiving the request, parses and executes the request depending on the nature of the communication channel between the mobile device and target device.

Abstract: A system and method for facilitating the transfer of contact information between network subscribers said system including at least one server coupled to the network; at least one database coupled to the server; a plurality of subscriber terminals coupled to the network wherein each subscriber's terminal is configured to send contact information associated with a subscriber to the server in response to a request by said subscriber; wherein the request causes the subscriber's terminal to compile the contact information into an electronic business card object having one or more textual fields and map the one or more textual fields of the electronic business card to one or more object attributes contained in an electronic business card object and transmit the electronic business card object to the server for storage in the database is disclosed.

Abstract: An over-the-counter (OTC) transaction system comprising a computing device operable to send a transaction request to initiate a transaction; and a server operable to receive an OTC electronic transaction request from a computing device and thereafter generate a unique identifier based on the transaction request received from the computing device as part of the transaction; the server further operable to verify the transaction based on the generated unique identifier; and upon verification, process and inform the computing device a status of the transaction; wherein the verification includes comparing a portion of the unique identifier with the entries in a whitelist maintained by the server; and wherein the unique identifier is temporary and is configured to expire after a predetermined criteria is met.

Abstract: There is provided a system of transmitting partograph information and analyzing the same comprising a client device adapted to receive partograph information as inputs; the inputs transmittable to a partograph processing server via a wireless communication network; wherein the partograph processing server is configured to receive the partograph information; conform the partograph information to a standardized format and disseminate the partograph information to at least one computer device. Preferably, the partograph processing server further comprises an analyzer to analyze the partograph information for one or more abnormality condition and provides an alert to the at least one computer device and the client device. Alternatively, the analyzer is installed in the client device in the form of a software application.

Abstract: A system for updating a stored value card comprising a transaction device for receiving a request to update the stored value card; a transaction manager arranged in data communication with the transaction device; the transaction manager operable to process the request to update the stored value card; a clearing house arranged to receive processed request from the transaction manager and create a pending transaction status; and a stored value updater network operable to receive the stored value card and thereafter retrieve an identifier of the stored value card; the stored value updater network further operable to retrieve the pending transaction status from the clearing house; wherein upon successful verification of the pending transaction status and the stored value card, the stored value updater network updates the stored value card.

Abstract: An authentication system comprising an authentication device comprising a subscriber identity module (SIM), the SIM operable to encrypt data in relation to a transaction for sending over a communication network; the encrypted data comprises transaction details, time stamp and signature; an authentication host operable to receive encrypted data sent over the communication network, the authentication host operable to decrypt the data sent and process the transaction accordingly, is disclosed.

Abstract: A transaction system comprising a transaction facilitator operable to receive and process a transaction request from a user device; a transaction channel 5 controller operable to change the state of the transaction channel between a first and a second state; and a fund provider operable to receive processed transaction request and determine if the transaction channel is in the first or second state; and provide or not provide the funds accordingly is disclosed.

Abstract: A remittance system comprising a remittance platform operable to process a remittance request originating from a sender to a target beneficiary; the remittance request comprising a primary account number (PAN) of the sender; the remittance platform further operable to create an electronic account for the target beneficiary upon determining that the target beneficiary does not have an approved PAN for remittance to take place; wherein the creation of the electronic account comprises a link between a unique identifier of the target beneficiary and the generation of a primary account number for the beneficiary.

Abstract: A system of facilitating financial loan comprising a central loan and savings facilitator hosted by a network provider; the central loan and savings facilitator operable to, upon receipt of a request for a loan from a eligible borrower sent via the network provider; authenticate if the request for loan is from a eligible borrower and if so, provides an electronic application interface for the eligible borrower, wherein as a condition for loan approval, the electronic application form comprise a pledge of a savings amount to be made by the eligible borrower, is disclosed.

Abstract: A method and system of provisioning credit or facilitating the provision of credit to a subscriber of a network provider is described. The method comprises pre-identifying the subscriber for registration with a financial institution based on a set of criteria; checking if the subscriber registers with the financial institution, verifying the subscriber based on at least one unique identifier the credentials of the subscriber; linking the account; wherein the linking step comprises generating a pseudo-account number based on the at least one unique identifier; checking if the subscriber is capable of over-the-counter (OTC) transactions; and providing means for performing OTC transactions if the subscriber is not capable of OTC transactions.

Abstract: A method for facilitating electronic transaction comprising the following steps: —predefining a set of hashtags for purpose of electronic transaction; receiving a request for electronic transaction; the request comprises at least one hashtag; verifying the request with a subscriber database; and upon successful verification; comparing the request with the predefined set of hashtags and locating a match with a hashtag from the set of hashtags; wherein upon a successful match, processing the hashtag to fulfil the transaction.

Abstract: System and method for providing content to a plurality of subscribers in a communications network. The method includes receiving event parameters associated with an event from a third party; receiving location information for each subscriber from the communications network; comparing the event parameters with the location information for each subscriber to identify one or more subscribers within the plurality of subscribers within a predetermined range of the event associated with the event parameters; profiling each of the one or more subscribers to produce a profile rating and/or profile score wherein the profile rating and/or profile score are indicative of the likelihood of a given subscriber to attend the event; sorting the one or more subscribers into a number of categories based on the profile rating and/or profile score; compiling content for each category of subscribers; and delivering the content to said one or more subscribers within range of the event.

Abstract: A system and method for displaying an identifier of a source on a recipient device in communication with the source, the system comprising an association database defining at least one source associated with the recipient device; and a processing manager arranged to process communications from the source to the recipient device and arranged to access the association database to determine if the source is associated with the recipient device and, if so, to display an established identifier of the source, otherwise to determine the privacy settings of the source and display a further identifier on the recipient device in accordance with the determined privacy settings is disclosed.

Abstract: An apparatus comprises at least one integrated circuit. The apparatus has a size and shape substantially similar to an ordinary Subscriber Identification Module (SIM) card. The at least one integrated circuit comprises a memory storing first software that, when executed, causes the card to communicate with second software stored on the device. The second software, when executed, causes the device to provide both a SIM and Payment Security Application Module (PSAM) functionality to a user of the device.

Abstract: A system or method for facilitating transaction comprising a host network comprising at least one subscriber account, the at least one subscriber account having: a first electronic wallet for performing specific transactions with a selected institution; a second electronic wallet for performing other types of transactions; and a settlement facility coupled to the host network for performing the transactions, the settlement facility operable to settle and reconcile the transactions, the settlement facility further comprises at least one processor which, on receipt of a request for transaction, determine the type of transaction and debit from the first or second electronic wallet.

Abstract: A system and method for routing electronic content to a recipient device comprising a plurality of network nodes, each network node adapted to receive and forward electronic content and an activity profile server adapted to be in data communication with each network node, the activity profile server adapted to monitor the activity level of each network node and inform each network node on the congestion level of an adjacent network node; wherein each network node is adapted, on receiving the information on congestion level to store electronic content if the adjacent network node is congested and forward the electronic content to the adjacent network node if the adjacent network node is not congested is disclosed.