Abstract: A method for facilitating payment using instant messaging application is provided. The method includes establishing, in the instant messaging application, an order with a merchant, the order including an order value, receiving from the instant messaging application, confirmation that payment of the order value should be made using a digital wallet, and sending confirmation of payment from the digital wallet to the merchant after payment of the order value has been made.

Abstract: A method includes, in response to a user presenting a payment-enabled mobile device at a first terminal device, receiving a first parameter at the mobile device indicating a first location associated with the first terminal device and storing the first parameter. In response to the user presenting the mobile device at a second terminal device, a second parameter is received at the mobile device indicating a second location associated with the second terminal device. Parameters, including the first parameter and the second parameter, are provided to a comparison mechanism on the mobile device configured to compare the parameters to fare calculation information stored in the mobile device. Based on the comparison, an amount to be deducted from an open-loop payment account stored in the mobile device is determined. A notification is generated on the mobile device indicating the amount to be deducted, for travel between the first location and the second location.

Abstract: An Internet of Things (IoT) system, the system including: (a) an IoT platform in communication with a device via a communications network; and, (b) a payment service provider, wherein, in use: (i) the IoT platform: (1) receives a transaction message from the device, the transaction message being indicative of: (a) a device identifier; and, (b) transaction details indicative of a transaction to be performed; (2) uses the device identifier to retrieve transaction data indicative of: (a) a user identifier; and, (b) transaction rules; (3) generates a payment request using the transaction details and transaction rules, the payment request being indicative of: (a) the user identifier; (b) a merchant identifier; and, (c) transaction information at least partially based on the transaction details; and, (4) provides the payment request to the payment service provider; and, (ii) the payment service provider: (1) receives the payment request; (2) determines a user account at least in part using the user identifier, the

Abstract: According to a first aspect of the present invention, there is provided a method for transmitting an electronic receipt from an intermediary terminal connected to a payment interface and a payment network, the method comprising: receiving, from the payment interface, transaction purchase data of purchases made via the payment interface and details of a payment instrument on which the purchases are made; transmitting, to the payment network, details of the payment instrument; receiving, from the payment network, personal detail data of an account holder of the payment instrument; generating an electronic receipt from the received transaction purchase data and the received personal detail data; and transmitting the electronic receipt to at least one electronic address, the at least one electronic address being determined from the received personal detail data.