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: There is provided an apparatus, system, server and method for carrying out a transaction. The apparatus, system, server and method enables positive authentication of a user, so that the transaction can be carried out.

Abstract: There is provided a system and method for triggering an electronic payment between a first entity and a second entity. The system and method can also be for triggering an electronic payment for a first entity. It should be noted that the system and method can aid individuals to adopt desirable behavioural traits or give up undesirable habits.

Abstract: Systems, methods, and software products, fulfill a request through an online structure. The request for a request amount is received within the online structure from a requestor. The request amount is divided by a split amount to determine a chosen number of potential donors from which to request donations. The chosen number of potential donors are selected from a pool of potential donors and are each sent a request for the split amount in a communication based upon a protocol of the online structure and via a network of the online structure. A response, received from each of the selected chosen number of potential donors via the network using another communication of the protocol. When the response includes the donation amount, the donation amount is collected as received donations within the online structure. The received donations are sent to the requestor when the requested amount is fulfilled.

Abstract: There is provided a system and method for making payment within a digital messaging environment. The payment can be made without exiting from the digital messaging environment, and can be activated by typing pre-defined text in the digital messaging environment.

Abstract: Device and method for managing crowdsourced funds.

Abstract: A method for vehicle speeding self-detection and payment of an associated fine, the method including: a) in an on-board processing device, determining a speed indication indicative of the speed of the vehicle operated by a user; b) determining a speed limit indication indicative of a speed limit associated with a location of the vehicle with respect to a road network; c) determining if the speed of the vehicle exceeds the speed limit using the speed indication and the speed limit indication; d) in response to determining that the speed limit has been exceeded, determining a payment amount indicative of a discounted fine for exceeding the speed limit; and, e) causing the payment amount to be paid from an account of the user.

Abstract: There is provided methods and systems for approving a payment from a customer to a merchant. A merchant device, an approval server, a client device plus a method and system for configuring pre-approved payments from a customer to a merchant are also disclosed.

Abstract: Methods and systems for dispatching an order for a product. The method including the steps of: receiving, at a dispatch module, data corresponding to a completion time for provision of the product by a merchant; receiving, at the dispatch module, data corresponding to a receipt time for receipt of the product by a consumer; comparing the completion time and the receipt time based on the respective data; and dispatching the order to an execution module to initiate provision of the product on a condition that the receipt time is approximately equal to the completion time.

Abstract: There is provided a system and method for authentication and payment when a user is immersed in a virtual reality environment when wearing a head-mountable virtual reality viewer. The authentication and payment can be carried out without a need for the user to remove the viewer.

Abstract: A transaction system for performing a transaction relating to delivery of goods to a user by a delivery vehicle, the transaction system including at least one electronic payment processing device that receives a user payment request from a client device of the user, the user payment request being indicative of delivery parameters received by the client device from a delivery vehicle processing device, the delivery parameters being indicative of the respective delivery; and an account indication indicative of a user account associated with the user.

Abstract: A method of associating a customer's mobile computer device with an order for goods and/or services taken by a waiter on a waiter's mobile computer device in a merchant's venue, including the steps of: (a) receiving data representing a customer's order for goods and/or services; (b) generating an order identification code; (c) generating a total amount payable for the goods and/or services ordered; (d) pairing the waiter's device with the customer's mobile computer device, said pairing resulting in generation of a pairing identification code; (e) receiving from the customer's device a device identification code; and (f) generating a transaction identification code based on (i) the order identification code; (ii) the device identification code and/or the pairing identification code; and (iii) the total amount payable; and (g) sending data representing the customer's order and the transaction identification code to a point of sale system to prepare the order.

Abstract: A merchant system for passively closing a patron's pre-authorized tab, with an associated payment token, set up with a computer device in communication with the merchant system, said system including one or more processors in communication with data storage, said processors being configured to execute computer readable instructions stored on said data storage for performing the steps of (a) determining if the pre-authorized tab should be passively closed; (b) if the pre-authorized tab should be passively closed, then performing the steps of (i) generating a total amount spent on goods and/or service ordered by the patron; (ii) sending the total amount spent and the payment token associated with the pre-authorized tab to an online service for authentication so as to pay the merchant; and (iii) closing the pre-authorized tab.

Abstract: A method of effecting an electronic transaction is described. The method includes receiving, through a merchant aggregator platform, a selection of one or more articles from a plurality of articles offered for purchase by a plurality of merchants on the merchant aggregator platform, wherein the platform is hosted by a merchant acquirer. Payment vehicle credentials of a payment vehicle are then passed to a payment gateway, and a vehicle representative (VR) is created at the payment gateway and associated with one or more credentials of the payment vehicle, the VR being usable by the merchant aggregator platform, in place of the one or more credentials, but from which the one or more credentials are indeterminable. The VR is then provided to the merchant aggregator platform through which a purchase request is received to confirm that the one or more articles have been purchased.

Abstract: A method is provided for processing an electronic payment.

Abstract: A method and system are presented for making a secure payment transaction using a payment card associated with a consumer which has been registered with a digital wallet. A secure server is arranged, in response to a request from a merchant server in relation to the consumer, to extract from the digital wallet payment credentials for the payment card. The secure server uses the payment credentials and the identity of the merchant server to generate a token. The token is provided to the merchant. To effect a payment transaction, the merchant server returns the token to the secure server with details of the desired payment transaction, and the secure server arranges for the payment transaction to occur, and notifies the merchant server. The merchant server does not receive the payment credentials of the payment card during this process, so even if its security is compromised, the payment credentials are not at risk.