Abstract: A computer-implemented method including, submitting a payment transaction through a network to a merchant website; receiving the payment transaction by a widget program on the merchant website; submitting, a payment transaction request through the network to a backend application; receiving, the payment transaction request; issuing and submitting a transaction identification number through the network to the widget program; creating a matrix barcode from the transaction identification number; scanning the matrix barcode using a mobile computing device; activating a mobile application to receive payment and receiving payment data from a payment card having a card microchip communicating with an EMV library non-embedded in the mobile application; encrypting the payment data and sending the payment data to the backend application; the backend application submitting the payment data to a payment service provider; receiving the payment transaction results; and notifying the widget program and the mobile applicatio

Abstract: A computer-implemented method including, submitting a payment transaction through a network to a merchant website; receiving the payment transaction by a widget program on the merchant website; submitting, a payment transaction request through the network to a backend application; receiving, the payment transaction request; issuing and submitting a transaction identification number through the network to the widget program; creating a matrix barcode from the transaction identification number; scanning the matrix barcode using a mobile computing device; activating a mobile application to receive payment and receiving payment data from a payment card having a card microchip communicating with an EMV library non-embedded in the mobile application; encrypting the payment data and sending the payment data to the backend application; the backend application submitting the payment data to a payment service provider; receiving the payment transaction results; and notifying the widget program and the mobile applicatio

Abstract: A mobile communication device has both an (expensive) long-range wireless network interface and an intermittently available less expensive network interface. Requests are received to communicate data items to and from remote computing devices. Each data item is associated with a transmission deadline and an urgency rating. A transmission schedule is created by assigning data items to specific times for transmission over the long-range wireless network interface, based on their deadlines and urgency ratings. When the lower cost network interface is not available, data items are transmitted according to the transmission schedule. When the lower cost network interface is available, data items are transmitted over the lower cost network interface, based on their positions in the transmission schedule, until it is no longer available.