Abstract: Examples provide a system and method for digitization of payment credentials via a point-of-sale (POS) device. When a physical payment credential is presented, the system determines, in real-time, if the credential is enrolled in a digitized payment credential service. If the credential is not enrolled and the user is qualified for enrollment based on eligibility rules, the system prompts the user to consent to automatic enrollment via the POS device. If consent is obtained, the system triggers digitization of the payment credential, which is stored at the digitized payment credential service. A token corresponding to the digitized payment credential is linked to one or more identifiers of the user, such as email, phone number, shopper account number, biometric data, or other identifiers. When enrollment is complete, the user can provide linked identifier(s) at the POS to complete payment of future transaction without presenting the tokenized physical payment credential.

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: 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: 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: 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 method for managing programs associated with multiple entities on a payment card includes: storing lease profiles, each lease profile including a lease identifier, managing identifier, transaction account numbers, and one or more tenant identifiers; receiving a management request, the management request including a specific lease identifier, specific managing identifier, and requesting tenant identifier; identifying a specific lease profile that includes the specific lease identifier; verifying that the specific managing identifier corresponds to the managing identifier included in the specific lease profile; inserting the requesting tenant identifier into the specific lease profile; receiving a program request, the request including the specific lease identifier, the requesting tenant identifier, and program data; and transmitting the program data to a payment card corresponding to one of the transaction account numbers included in the specific lease profile.

Abstract: A method for conducting an offline, commodity-based transaction includes: storing program data for benefit programs, wherein the program data includes a program identifier and plurality of commodity pairs for the respective program, each commodity pair including a commodity code and balance; receiving a data request from a point of sale device, the request including a specific program identifier; identifying program data the specific program identifier; transmitting the identified program data to the point of sale device; receiving transaction data from the point of sale device, the transaction data including purchased commodity pairs, each purchased commodity pair including a commodity code and purchased amount; and updating the program data for the benefit program that corresponds to the specific program identifier by deducting the balance included in each commodity pair corresponding to a purchased commodity pair based on the respective commodity codes by the associated purchased amount.

Abstract: The present disclosure relates to methods for facilitating a transaction. The methods involve interaction with a humanoid robot and include using the humanoid robot to receive a session initiation instruction from a user. During the session one or more articles are identified for purchase, each article being a product or service. A checkout sequence is then initiated to purchase the one or more articles. At some stage during performance of the above steps, beforehand or afterwards, the user is authenticated via interaction with the humanoid robot.