Abstract: A payment transaction method is provided comprising: providing a 2-dimensional coded representation to a payment giver for identifying the payment receiver; providing a code recognition device to recognize the 2-dimensional coded representation as being associated with the payment receiver; commencing a payment transaction from a payment giver to the payment receiver; wherein the 2-dimensional coded representation is provided to the code recognition device using a non-visual interaction channel, and the 2-dimensional coded representation is recognized using non-visual scanning. Alternatively or additionally, a push request database may be provided which allows a selection to be made between payment using a push request or payment using a 2d coded representation. This selection may be performed by the payment giver, the payment receiver or an arbiter.

Abstract: A payment transaction method is provided comprising: providing a 2-dimensional coded representation to a payment giver for identifying the payment receiver; providing a code recognition device to recognize the 2-dimensional coded representation as being associated with the payment receiver; commencing a payment transaction from a payment giver to the payment receiver; wherein the 2-dimensional coded representation is provided to the code recognition device using a non-visual interaction channel, and the 2-dimensional coded representation is recognized using non-visual scanning. Alternatively or additionally, a push request database may be provided which allows a selection to be made between payment using a push request or payment using a 2d coded representation. This selection may be performed by the payment giver, the payment receiver or an arbiter.

Abstract: A method for physically displaying and manipulating a communication network through physical objects and an interactive display includes: positioning, on a surface of an interactive display screen, a plurality of physical objects, each representing a node in a communication network; displaying a topography of the communication network including at least a plurality of nodes, where each node represented by a physical object is displayed beneath the respective physical object, and where open communication channels between nodes are visually displayed on the screen; receiving a physical gesture performed by a user between two of the plurality of physical objects; transmitting a signal to one of the physical objects or an access point of the communication network causing manipulation of the communication network based on the physical gesture; and updating the displayed topography of the communication network based on the manipulation of the communication network in real-time.

Abstract: Embodiments provide methods, and systems for facilitating microcredit for processing a payment transaction. The method includes receiving, by a server system associated with a payment network, a payment transaction request initiated using a machine-readable optical label from a user device of a user. The payment transaction request includes a merchant ID of a merchant and a transaction amount. The method includes detecting an insufficient balance in an issuer account of the user. The method includes verifying, using the merchant ID, if the merchant is enabled to receive a microcredit based payment via the machine-readable optical label. the method includes facilitating a microcredit offer of a loan amount on the user device for user acceptance. Upon user acceptance of the microcredit offer, the method includes facilitating a payment transaction of the transaction amount from the issuer account of the user to an acquirer account of the merchant.

Abstract: A method for physically displaying and manipulating a communication network through physical objects and an interactive display includes: positioning, on a surface of an interactive display screen, a plurality of physical objects, each representing a node in a communication network; displaying a topography of the communication network including at least a plurality of nodes, where each node represented by a physical object is displayed beneath the respective physical object, and where open communication channels between nodes are visually displayed on the screen; receiving a physical gesture performed by a user between two of the plurality of physical objects; transmitting a signal to one of the physical objects or an access point of the communication network causing manipulation of the communication network based on the physical gesture; and updating the displayed topography of the communication network based on the manipulation of the communication network in real-time.