Abstract: An apparatus and process for liquid oxygen production can be configured to avoid use of a feed compressor and a recycle compressor. Embodiments can be configured for open loop operation so that a relatively low yield liquid oxygen recovery can be obtained from a feed output from an electrolyzer that is comprised mostly of oxygen (e.g. at least 80 volume percent oxygen, between 80 vol % and 100 vol % oxygen, etc.). The relatively low yield liquid oxygen recovery can be surprisingly provided to permit an advantageous recovery of oxygen to limit waste oxygen that may ultimately be vented while also minimizing equipment and power requirements for the liquid oxygen recovery.

Abstract: Systems and methods for efficient presentation of payment options at point of sale devices are disclosed. A method may include: identifying a plurality of stored or provisioned payment cards in customer wallets for a merchant; (2) pre-qualifying each of the customers associated with the stored/provisioned payment cards for one or more installment payment options for a purchase from the merchant; and (3) communicating a list of token reference identifiers for stored/provisioned payment cards that have been pre-qualified and the one or more pre-qualified installment payment options to a merchant computer program executed by a merchant backend, wherein the merchant computer program receives a token reference identifier for a stored or provisioned payment card in one of the customer wallets, determines that the token reference identifier is on the list of pre-qualified token reference identifiers, and presents the one or more installment payment options in a checkout user interface.

Abstract: Systems and methods for conducting transactions using hybrid credit/charge financial instruments are disclosed.