Abstract: A system and a method for administering a user account are provided. The system includes at least one processor, and at least one memory including computer program code. The at least one memory and the computer program code are configured to, with the at least one processor, cause the system at least to receive from a device, a user account identifier, receive from a merchant device, a credit request including a merchant identifier and a credit amount, determine based on the user account identifier, at least one digital wallet associated with the user account identifier, and determine an amount of points to be credited to the user account associated with the at least one digital wallet, the user account being determined according to the user account identifier and the merchant identifier, and the amount of points being determined in response to the credit amount.

Abstract: An apparatus for enabling a figurine for effecting a transaction is provided. The apparatus includes at least one processor, and at least one memory including computer program code. The at least one memory and the computer program code is configured to, with the at least one processor, cause the apparatus at least to receive a figurine identifier identifying the figurine, receive account information relating to an account to be linked to the figurine, retrieve authentication information corresponding to the account based on the account information, link the figurine to the account by associating the figurine identifier with the authentication information.

Abstract: According to a first aspect, there is provided an advertising campaign analyser comprising: at least one processor; and at least one memory including computer program code; an input port coupled to the processor; the at least one memory and the computer program code configured to, with the at least one processor, cause the analyser at least to: receive, through the input port, advertising campaign data extracted from a response to advertising material belonging to an online advertising campaign, the advertising campaign data comprising at least one recipient account to which the advertising material is delivered; receive, through the input port, payment data generated from purchases made at a merchant participating in the online advertising campaign; analyse the received advertising campaign data and the received payment data to identify data fields from the received payment data that establishes a correlation to the at least one recipient account from the received advertising campaign data; generate statisti

Abstract: A payment facilitation device and a payment facilitation method. The device includes a first transceiver module configured to receive a payment token from an external computing device via a first wireless communications protocol; a second transceiver module configured for wireless communication with a merchant payment device via a second wireless communications protocol that is different from the first wireless communications protocol; and a processor module configured to cause the second transceiver module to transmit the payment token to the merchant payment device upon receipt of a payment request from the merchant payment device.

Abstract: A method for currency exchange, comprising: providing, by an account management module, an account each for first and second entities, each account comprising a plurality of sub-accounts for a different currency; broadcasting a currency exchange rate between a first currency and second currency; receiving, at a transaction management module in communication with the account management module, a request from the second entity for an amount of the first currency in exchange for the second currency at the broadcasted rate; determining, by the transaction management module, an equivalent amount of the second currency at the broadcasted rate; debiting the determined amount of the second currency from the second entity, and crediting said amount to the first entity, by the account management module; and debiting the requested amount of the first currency from first entity and crediting said amount to the second entity, by the account management module.