Abstract: Systems and methods are provided for use in verifying an interaction, between a user and a first party, in which the user is physically present at the first party. One example computer-implemented method includes receiving a data tag request for a transaction, from a first party, and generating a data tag for the transaction where the data tag includes an indicator of a type of user verification for the transaction. The method also includes storing the data tag in a data structure and transmitting the data tag to the first party, in response to the data tag request. The method then includes receiving, by a processing network, an authorization request including a data tag, verifying that the data tag from the authorization request matches the stored data tag, and in response to failed verification of the data tag in the authorization request, removing the data tag from the authorization request.

Abstract: A method for biometric payments comprises: receiving biometric data obtained by a biometric reader device from a user who is registered for biometric payments with a merchant; determining a biometric identifier that is associated with the biometric data; determining a stored payment credential that is associated with the biometric identifier, wherein the stored payment credential is not stored by the merchant; determining a payment card number or payment token based on the stored payment credential; and generating an authorisation request message for processing by an issuer, wherein the authorisation request message comprises the payment card number or payment token, and a data element comprising an indication that the user was authenticated by a biometric authentication method.

Abstract: Systems and methods are provided for use in verifying an interaction, between a user and a first party, in which the user is physically present at the first party. One example computer-implemented method includes receiving a data tag request for a transaction, from a first party, and generating a data tag for the transaction where the data tag includes an indicator of a type of user verification for the transaction. The method also includes storing the data tag in a data structure and transmitting the data tag to the first party, in response to the data tag request. The method then includes receiving, by a processing network, an authorization request including a data tag, verifying that the data tag from the authorization request matches the stored data tag, and in response to failed verification of the data tag in the authorization request, removing the data tag from the authorization request.

Abstract: An apparatus for providing user specific data to a user includes a computer processor and a data storage device, the data storage device comprising instructions operative by the processor to: analyze user data associated with the user to determine a set of user frequented merchants for the user, each user frequented merchant having an associated merchant identifier; analyze the user data associated with the user to determine a set of user preference items for the user; look up inventory data for each merchant in the set of user frequented merchants, using the merchant identifier, and determine user specific merchant information from the inventory data, the user specific merchant information comprising information for each of the user preference items at that merchant; analyze the user specific merchant information for each of the merchants to determine a user recommendation indication; and transmit the user recommendation indication to a device associated with the user.

Abstract: There is provided a system and method for authentication and making payment when carrying out on-demand manufacturing. The system and method ensures that payment can be conveniently made by users and subsequently, appropriate payments are made to parties for their role in the on-demand manufacturing.

Abstract: System and method for facilitating a combined purchase of online products and in-store products. The system comprising a payment processor module that is configured to: (i) receive data corresponding to: (a) a total price of one or more in-store products to be purchased at a physical store; (b) a total price of one or more online products to be purchased using an e-commerce platform; and (c) a combined payment amount for the in-store and the online products made by a purchaser of the in-store and the online products during a check-out procedure; and (ii) generate a product release message on a condition that the combined payment amount corresponds with the total price of the in-store products and the total price of the online products.

Abstract: A data processor implemented method for gamification of activity tracking to determine a reward is provided. The method includes obtaining activity tracking information from one or more activity tracking sensors, and comparing one or more associated activity tracking target with the obtained activity tracking information to generate an activity tracking level. The method also includes assessing the activity tracking level for determination of the reward, and interfacing with a payment gateway to make payment to an entity associated with the reward, wherein an amount of the payment is dependent on the reward.

Abstract: The present disclosure provides a payment network server for processing a proof of provenance transaction. The payment network server comprises a processor, a memory in communication with the processor, the memory comprising computer application programs that are executable by the processor, wherein, when the computer application programs are executed by the processor, the processor is configured to: receive a proof of provenance identifier; transmit the proof of provenance identifier to a proof of provenance server; and receive an authorization message indicating an approval or denial of the proof of provenance identifier.

Abstract: The present disclosure provides a server for processing a transaction using a plurality of devices. The server comprises at least one processor; and at least one memory including computer program code. The at least one memory and the computer program code configured to, with the at least one processor, cause the server at least to receive, from a second device, a request to continue with the transaction, the transaction being initiated and postponed by a first device. The server is then configured to determine whether the second device is associated with a user account that is associated with the first device; and transmit, to the second device, details relating to the postponed transaction based on the determination of whether the second device is associated with the user account to enable the second device to further process the transaction.

Abstract: The present disclosure relates to payment technology. In one aspect, the present disclosure provides a method of processing a transaction. The method comprises receiving, from a user device, a transaction pairing request, the transaction pairing request comprising user account information of a user account. The method then transmits, to a receiving device, a plurality of transaction identifiers based on the transaction pairing request and receives, from the user device, a selection of one of the plurality of transaction identifiers. The method then associates the user account with a transaction record indicated by the selection of one of the plurality of transaction identifiers.

Abstract: Disclosed herein is a system for managing item delivery. The system includes an order management system, comprising an order terminal for receiving an order, a transmitter for receiving the order from the order terminal and sending the order to one or more product providers, a verification terminal by which a recipient can verify completion of delivery of items associated with the order, and a scheduler. The scheduler schedules a robot to be available at an interchange to receive the one or more items, and the order management system provides a delivery destination to the robot by which, or so that, the robot can autonomously navigate to the destination.

Abstract: According to an aspect, there is provided a system including: a stored value token having an associated token value; a token validation server; and a computing device in communication with the token validation server; wherein the computing device is configured to: read token data comprising a token identifier and a token status from the stored value token; validate the stored value token, comprising transmitting the token identifier to the token validation server; in response to receiving a pay-out instruction, instruct the stored value token to change the token status to active, and deducting the associated token value from a predetermined account; and in response to receiving a pay-in instruction, instruct the stored value token to change the token status to inactive, and add the associated token value to the predetermined account.

Abstract: System and method for facilitating a combined purchase of online products and in-store products. The system comprising a payment processor module that is configured to: (i) receive data corresponding to: (a) a total price of one or more in-store products to be purchased at a physical store; (b) a total price of one or more online products to be purchased using an e-commerce platform; and (c) a combined payment amount for the in-store and the online products made by a purchaser of the in-store and the online products during a check-out procedure; and (ii) generate a product release message on a condition that the combined payment amount corresponds with the total price of the in-store products and the total price of the online products.

Abstract: There is provided an airborne apparatus and transaction method. The airborne apparatus typically traverses to a user who wishes to carry out a transaction. The airborne apparatus is able to help the user to carry out a desired transaction using various possible payment processes.

Abstract: A method and system for facilitating mobile payment for products includes: receiving a first container identifier encoded on a first container tag attached to a physical container for holding the products; receiving a wallet identifier corresponding to a digital wallet installed on a mobile device; linking a virtual container associated with the first container identifier to the digital wallet through the wallet identifier; receiving, from a checkout device, (i) a product identifier encoded on a product tag attached to each of the products held in the physical container and (ii) a second container identifier encoded on a second container tag attached to the physical container; and, when the first and the second container identifiers are identical, populating the virtual container with virtual products corresponding to each of the product identifiers received from the checkout device such that the mobile payment of the products can be made using the digital wallet.

Abstract: Disclosed herein is a system for managing item delivery. The system includes an order management system comprising an order terminal for receiving an order, a transmitter for receiving the order from the order terminal and sending the order to one or more product providers, a verification terminal by which a recipient can verify completion of delivery of items associated with the order, and a scheduler. The scheduler schedules a robot to be available at an interchange to receive the one or more items, and the order management system provides a delivery destination to the robot by which, or so that, the robot can autonomously navigate to the destination.

Abstract: There is provided a system and method for authentication and making payment when carrying out on-demand manufacturing. The system and method ensures that payment can be conveniently made by users and subsequently, appropriate payments are made to parties for their role in the on-demand manufacturing.

Abstract: A data processor implemented method for authenticating use of an activity tracking device by a user is provided. The method includes obtaining a plurality of first markers, wherein each of the first markers includes a location and time-stamp of the activity tracking device when the activity tracking device is tracking at least one parameter of the user. The method also includes obtaining a plurality of second markers from a transaction data storage, wherein each of the second markers includes a location and time-stamp of an electronic transaction made by the user using at least one payment device of the user. The method further includes comparing the locations of the plurality of first markers with the locations of the plurality of second markers, and determining, based on the comparison, whether the activity tracking device is regularly in use by the user.

Abstract: A data processor implemented method for gamification of activity tracking to determine a reward is provided. The method includes obtaining activity tracking information from one or more activity tracking sensors, and comparing one or more associated activity tracking target with the obtained activity tracking information to generate an activity tracking level. The method also includes assessing the activity tracking level for determination of the reward, and interfacing with a payment gateway to make payment to an entity associated with the reward, wherein an amount of the payment is dependent on the reward.