Scanned QR code based connection with place to access place application for conducting actions, accept payments via auto pay, video commerce and smart devices for in-place actions

Abstract

The present disclosure generally relates to connecting users with place via scanning of a QR code by a user device and NFC tags via NFC reader enabled user device, scanning face or fingerprints, based on user's voice identity, current location of user device matched with place location and selection of user by merchant from the merchant client application. In accordance some embodiments, enabling to program and customize devices and user client application related shortcuts for conducting events and triggers related contextual actions. In accordance some embodiments, enabling place to accept payment via automatically make payment. In accordance some embodiments, broadcasting real-time live video or image view of an in-store product display for enabling offline as well as online commerce.

Description

[0001] TITLE

[0002] Scanned QR code based connection with place to access place application for conducting actions, accept payments via auto pay, video commerce and smart devices for in-place actions

[0003] FIELD OF INVENTION

[0004] The present disclosure relates to systems, methods, and devices for connecting real-world places, people, objects, devices including place related user application or interface and user devices including smart phone, digital watch and wearables connected with merchant application and merchant devices and tags including place and place people, objects, devices attached QR codes, Near Field Communication (NFC) tags, smart display screens, tablet, PC to manage connected customers, connected smart speaker including voice commands recognition and assistant devices, connected smart camera, Near Field Communication (NFC) reader, biometrics or fingerprint devices as per requirements, actions, tasks, workflow, orchestration, triggering of event and facilitating conducting of contextual actions. In various embodiments user can scan QR code, put user device near place NFC tag, issue voice command, scan face or fingerprint to connect with place, access place user client application and connected with place merchant or business or entity application for conducting various contextual actions. In another embodiment user can connect with place smart speaker and microphone device and access associated programmed or customized actions including voice billed amount, voice payment notification, voice commands and voice reactions, connect with place smart speaker device with one or more devices including smart displays, camera, biometrics device to access place assistant via custom voice commands. In another embodiment visual commerce enables user to view products in live video or captured updated photos within pre-set duration and select recognized products and add to cart, make order including collect and delivery or takeaway, make payment, provide reactions, get assistant from place staff person(s). In another embodiment user or customer reaction device for enabling user to provide reactions including like, voice or video comment and refer to friends via smart customer reaction device.BACKGROUND OF THE INVENTION

[0005] At present places or locations or geofences including business places including stores employing multiple different disconnected technologies, applications, devices and services for managing customers including customer relationships, transaction, and providing goods and services.

[0006] Some conventional electronic payment systems use UPI QR code which is a type of Quick Response code that enables users to make payments using the Unified Payments Interface (UPI) system in India. It's a 2D barcode that contains the merchant's UPI ID, which is used to initiate a payment transaction. A QR code payment is a mobile payment method where payment is performed by scanning a QR code from a mobile app. This is an alternative to doing electronic funds transfer at point of sale using a payment terminal. This avoids a lot of the infrastructure traditionally associated with electronic payments such as payment cards, payment networks, payment terminal and merchant accounts. To make a QR code payment, the consumer scans the QR code displayed by the merchant with their smartphone to pay for their goods. They enter the amount they have to pay and finally submit. This is a more secure card-not-present method than others. Multiple startups like Paytm TM, PhonePe TM, GPay TM who incorporating new merchants by providing QR based payment solutions, along with QR code scanners for customers in their respective mobile apps which resulted in the widespread use of QR based payments in India.

[0007] UPI QR (Quick Response Code) payments allow customers to make payments to merchants by scanning a QR code with a UPI-enabled app. In the event of scanning a UPI or Payment QR code, payments app or UPI-enabled app displaying payment interface to user for inputting payment and make payment from user’s payment account to scanned QR code associated and identified or decoded UPI identity or identified merchant payment account.

[0008] At present, by scanning payment QR (Quick Response) Code, user is only presented with payment interface which is limitedly related to place associated payment function. For all other in-store tasks and associated actions, place associated merchant, staff and customers needs to use various disconnected an unorganized device, applications, services which leads to waste of time,money, and energy. Present invention solve these issues by in an embodiment allowing place or location or geofence associated entity or business or merchant or admin or owner or user to register with the server by providing details to create account, in an embodiment verify place or location or geofence by employing one or more verification technologies and methods, in an embodiment generate QR code associated with identified place or location or geofence which place or location or geofence associated merchant can display for their in-place customers or user for enabling them to scan QR code via application and connect with place and instead of displaying only place payment interface, displaying place associated contextual actions or presented actions based on triggering of event which enables users or customers to conduct one or more contextual actions including searching, querying, ordering, claim offers, communicating, instructing, reserving, select or scan and connect place objects, people, devices to get personalized experience and customized actions, make payment by using one or more selected payment methods and payment accounts, provide reactions, refer, invite, connect nearby or accompanied connections including friends and family.

[0009] When purchasing goods at a store, rather than via an online store, consumers can pay in a variety of methods. Specifically, consumers can pay for goods or services at a variety of stores using cash, physical credit / debit card, or electronically with near field communication or via scanning payment QR (Quick Response) code. For example, conventional electronic payment systems allow users to perform electronic payment transactions with a merchant (i.e., peer-to-business payment transactions); however, many conventional electronic payment systems lack a secure and / or convenient method determining the identification of the user and the identification of the merchant during the transaction process.

[0010] Further, user need to use time consuming various applications, methods and systems in different types of stores or places to conduct in-store various tasks including converse with in-store person for availability of products like medicines, showing prescribed medicines, claim offer or discount, bookings (if products or medicine(s) is / are not available), get customize offer for user, ask about side-effects, view menu items and converse with in-store persons regarding new items, price, taste for placing order, order time, queue token, waiting time and status, order status, change or update of order, collecting products or goods (if place is departmental or conveniencestore), billing, available offer, membership, payment, receipt and like. All these in-store merchant, staff, and customers’ activities or actions, coordination, conversations, interactions, transactions, status are disconnected or unorganized which leads to good amount of wasting of time, money, and energy.

[0011] Apple TM Shortcuts automation is a feature that allows users to automate tasks on their iPhone TM or iPad TM. Users can create automations to run automatically, or to be triggered by a specific event. But these are programmed by or limited to user and supports single trigger actions, lacks automatically displaying of current task related current required actions, involves multiple parties, places, people, objects, multiple devices, codes, tags, actions, applications, interfaces, services, multiple sequences of triggers and associated actions, lacks running of shortcuts everywhere (not limited to user device) including in-place associated devices and applications. Personal automations are specific to a device and won't sync to other devices,

[0012] Apple TM Siri TM and Amazon TM Alexa TM mainly works via voice which not customized by task specific which involves orchestration of multiple parties, places, people, objects, multiple devices, codes, tags, actions, applications, interfaces, services, multiple sequences of triggers and displaying associated contextual actions.

[0013] PCT / IB2013 / 056314 (Title: Presenting plurality types of interfaces and functions for conducting various activities) of Yogesh Rathod, discloses about defining and displaying event specific functions and interfaces and executing or enable to execute one or more functions.

[0014] On-demand service providers like Uber TM and Airbnb TM are works centrally and limited to booking only. Prent invention make real- world locations, places, people, objects, devices, codes and tags including QR codes, tags including NFC tags, RFID tags, applications, services connectable, connected and displaying current task or sub-task specific contextual actions. For example user can use particular place specific orchestrated triggers specific actions including tap on start or schedule to start to visit particular place, automatically book or call cab, automatically book table (if place is restaurant) or share prescribed medicines or share list of products with place for store staff collections, instruct to deliveries or takeaway, connect with place, in-storeorder items to connected place from application, get customized offer or claim or redeem offer, ask queries to place or place application and user or user application connected voice assistant, book unavailable products, visual view and order products for in-store staff collections, view various order status including order is ready to collect or arriving, waiting queues number and time, view or hear or get voice billed amount and details, make payment by selecting one or more payment method from user device, get voice payment notification in mobile or via in-store smart speaker. In another example user can use particular travel specific orchestrated triggers specific actions including automatically suggest book cab at particular date & time to reach from particular place (e.g. home) at particular location airport, book lowest cost available flight tickets and hotel rooms as per travel plan place, date and time, book travel tickets or cab, nearest guide to visit nearest key point of interests as per calculated dates and times, reserve table of different restaurants nearest to tourist points as per calculated date and time, order popular foods and with single tap or few taps conduct actions.

[0015] Accordingly, there are several disadvantages with conventional in-place or location associated disconnected devices, services, systems, methods, people, products, objects, and customers.

[0016] At present physical store displaying multiple each product which needs more space, manpower resources, maintained cost. Present invention discloses visual commerce wherein retailer need less space only required to display one product of each type in shelf, so viewers can view realtime available products in real-time broadcasted video live stream or captured updated photo of products in particular each shelf within pre-set interval of time and based on object or products recognition highlight each product, display associated details and select each product individually, connect with remote place staff person(s) to ask queries, converse, make order, negotiate and one tap make order or select, add to cart, instruct collect, delivery or takeaway or consume at place, get custom offer, redeem points or claim or avail offers, make payment by using one or more payment methods including UPI payment, cash on delivery (COD), credit card, debit card, wallet, net banking, pay later, pay via installment, pay by others, pay via crypto currency and provide one or more types of custom reactions including like product, price, service.At present social networks enables users to provide one or more types of reactions on posted contents. But user is not able to connect real-world physical place and place associated people, objects including food dish, product like electronic item, cloth, jewelry, and devices and provide one or more types of reactions including like, comment, refer via one or more types of inventive ways including reaction device which identifies user, gets voice or video comments or survey, like, wow, love and any other types of real person’s natural expressions and reactions and enables user to post for other users of network or in-place customers.

[0017] At present voice payment notification smart device or payment sound box in the store, wherein customers can scan the QR code provided on the device and make a payment. The sound box provides voice notifications for payments received. This facilitates efficient working and eliminates any chances of fraud by the customer. Generally, vendors are too busy to verify the authenticity of each online payment during working hours and even if the customer has transferred the payment, the vendor must wait for some time to receive the confirmation SMS. A Payment Sound Box can eliminate this unnecessary waiting period. But sound box is limited to only voice payment notification. There is need of new smart device(s) which facilities customers and different types of places or stores and in-place merchant or staff persons to facilitates in each step of sales, marketing, ordering, serving, providing services, promotion.

[0018] US 11188889B2 titled “Location-based automatic payment system” of inventor Frank Anthony Nuzzi, discloses relates to online and / or mobile payments and more particularly to a locationbased automatic payment system and US11222352B2 titled “Automatic billing payment system” of inventor Cody Rose discloses automatic payment system which is limited to within identified location or check-in and check-out wherein present invention identify user via plurality of ways, make automatic payment based on various types of triggers and applied privacy settings of users, so user can make automatic payment to plurality different types of places and service providers.OBJECT OF THE INVENTION

[0019] The object of the present invention is to enabling registered users of the network to connect with place or place associated merchant or business applications, people, devices, objects based on scanning of QR code, putting user device near to NFC tag, selecting place from identified nearby or nearest or current place, providing voice command, scanning face and fingerprint and access place specific application or interface or web page for conducting associated actions, connect with merchant application and share user profile, user data, requirement, auto update conducted actions, associated status, updates.

[0020] Another object of the present invention is to defining place, location, geofence, task, workflow, purpose, activity, plan, project, requirement specific triggers, events and sequencing or orchestrating or programming associated contextual actions which automatically execute or execute by user or provide require details including values of fields or parameters related to action and execute action, wherein action comprises start to activate or initiate execution of defined triggers and associated orchestrated actions, end or cancel said start, connect with place, place associated object, devices and people, opening of application or interface, instructing to conduct contextual action(s) or trigger or event specific contextual action(s) or contextual voice action(s), speak voice notifications, enable voice commands, access connected devices, codes including QR codes and NFC tags and applications, make order including in-place consumption order, collect and delivery order, takeaway, visual view, search, match, find, instruct to collect, order or add to cart in-place real-time displayed or available products, add to wait list or queue, reserve table, identify reserved table or seated table, communicate with selected in-place staff or people, view order status and time, make payment, provide reactions directly from user device(s) and connected place associated devices.

[0021] Another object of the present invention is to defining place, location, geofence, entity, task, workflow, purpose, activity, plan, project, requirement specific voice functions and triggers and associated voice actions or voice commands for enabling in-place user to connect with in-place voice device and use pre-defined voice actions including connect, disconnect, make order, make payment, reserve table, identify seats, add to queue, provide special instructions, providereactions, make complaints, call in-place person or type of person or staff for personal conversation or order or ask queries, make call and converse, send voice message, ask about what’s new, availability of name, brand, type of products and services and associated price or cost model or subscriptions, book, order, pay and schedule delivery of unavailable products via voice command(s).

[0022] Another object of the present invention is to make real- world all required objects, people, places or locations or defined geofences, and devices identified via one or more types of codes and tags including QR codes and NFC tags and store said global unique identity ad associated profile and details to server and based on identity identify stored object location information, object image, object details, associated persons, devices, profile, use, date, time, life, requirement and connected actions including send message or voice message, make complaint, send photo or video, provide comments or complaint or feedback, fill form, make call, access associated or connected application, interface, actions and web page, wherein real- world objects comprises place outside and inside objects including furniture & fixtures, digital and electronics devices and equipment, cloths, stencils, accessories, place outside objects including store name board, lights, camera, devices, public places and devices including roads, signals, bus stop, lights, water pipes, garden objects and like. By using real- world places, objects, people and devices attached codes and / or tags associated stored identity and identity and associated stored data, connected smart devices of users (sensors, camera, applications, actions, augmented reality, voice command), and in-place connected smart devices, applications, people, objects, and using predefined, updated, customized, programmed, orchestrated multiple triggers and associated actions, make real-world connectable and actionable for various tasks, purpose, requirement, activity, project, workflow, plan.

[0023] Another object of the present invention is enabled real-time in-place broadcasted live stream video or near-time updated photo of products and each recognized and identified product within video or photo associated actions for conducting online or in-place purchase of products.

[0024] Another object of the present invention is to enabling customizable and programmable place related contextual actions for smart speaker.Another object of the present invention is to enabling user or customer reaction device for enabling user to provide reactions including like, voice or video comment and refer to friends via smart customer reaction device having user recognition device(s) or code or tag including biometric scanner, microphone, camera, QR code, NFC tag for identifying user and connecting with the device and provide like reaction, record user’s voice comments and provide refer voice command to refer place to friends, camera device to connect, provide and post like, video comment, video post.

[0025] Another object of the present invention is to providing modular, customizable, programmable one or more devices and associated software, multi-party applications, and user actions for facilitating different types of business to facilitating their users or customers in conducting of different types of different places related in-place actions including querying, availabilities, guiding, instructing, ordering, serving, collecting, payments, providing reactions.

[0026] Another key object of the present invention is to enable users to automatically making payments for billed amount or due payment at various types of offline places, service providers, online websites and on-demand service providers based on employing various types of contactless techniques to identify user’s identity and automatically make billed amount payments (shared with merchant’s identity from merchant device) by automatic payment system, from identified user’s payment account to identified merchant’s payment account.DETAIL DESCRIPTION OF THE PREFERRED EMBODIMENT

[0027] The present disclosure relates to systems, methods, and devices for identifying business or merchant place or store or geofence or location identity for connecting business or merchant place or store or geofence associated business or merchant application or system or place QR code or place location or place NFC tag recognition identification for connecting with place associated merchant or business or application of place associated business or merchant for in-place or in-geofence or in-store connections, interactions, actions, tasks, workflow, communications, messaging, updates, status and payment transactions. In particular, a connected customer management or relationship or tasks or activities or actions or communication or commerce system allows a user to engage in a ordering, messaging, offering, pushing billing, payment transaction with a merchant to consume and purchase goods or services at an in-store location or checkout location. For example, one or more implementations involve receiving a connection request to connect with location or place associated merchant or business or application of merchant or business to establish connection between or establish real-time session user application and merchant application automatically or acceptance of connection by the user of the user application or merchant or business admin of the merchant or business application, wherein in an embodiment place associated merchant or business admin can send request to connect to nearby users or past customers for requesting them to connect online or visit place and connect in-store or in-place, receiving a order request to initiate providing selected products and services including connected user selected menu items from displayed list of menu items (if place is food store or restaurant) or selected products (if place is departmental store or convenience store) or selected ice-creams from menu (if place is ice-cream parlor) or selected medicines or other products (if place is medical store) or selected services (e.g. if place is salon or parking) or selected ticket(s) (if place is movie theatre or drama theatre or event place) or selected filling of liter of patrol (if place is patrol pump) or selected booking (if place is hotel or hospital), receiving a payment request to initiate an in-store payment transaction between the connected user and the merchant, the payment request. One or more embodiments identify a identity of place or place or place location associated merchant account for the user based on the received scanned QR code associated decoded data and send a payment confirmation request to a client device of the user. Additionally, one or more embodimentsprocess the in-store payment transaction based on a confirmation response received from the client device.

[0028] Some techniques for managing a in-store customer communication session, ordering, payment using electronic devices are generally cumbersome and inefficient. For example, some existing techniques use a complex and time-consuming user interface, which may include multiple key presses or keystrokes. Existing techniques require more time than necessary, wasting user time, user and device energy thus money.

[0029] One or more embodiments described herein provide advantages and / or solve one or more of the foregoing or other problems in the art with systems and methods to allow users to easily and efficiently connect or engage in secure in-store interactions, actions, sharing, updates, communication, collaboration, ordering, offering, electronic payment transactions with identified place associated merchant or merchant application.

[0030] In particular, the systems and methods enable QR code-based or NFC tag-based or locationbased merchant place or merchant account or merchant application identification. One or more example embodiments identify a merchant or business place or application or merchant account for a user based on scanning of QR code or selection of place based on identified or suggested nearby or nearest or current place or reading NFC tags via NFC enabled smartphone from a user client device. Example systems and methods identify scanned QR code encoded data or obtain an image of the scanned or captured QR code or identify and get NFC data via NFC reader of user client device or identify location of place of merchant at an in-store location when the user attempts to connect or pay for goods or services with the merchant. Additionally, one or more embodiments use QR code recognition, reading NFC tag data and detection of location of place of merchant to identify the place associated merchant’s identity or merchant account for the merchant from a merchant profile database. Thus, the systems and methods can use a scanned QR code associated decoded data or identified or retrieved NFC tag decoded data or identified place location data of the merchant from the user client device to verify the identity of the merchants, as well as to identify a merchant account for use in connecting merchant and processing a payment transaction between the user and the merchant.In one or more embodiments, receiving, by a server system, a request from the requestor client device to register a place or a geofence with the server system, wherein request comprises at least a location information of the place or the geofence; registering, by a server system, the place or the geofence by generating and storing unique identity of the place or the geofence in the server storage medium; generating, by a server system, a code or tag including visual graphical code, Quick Response code or QR code or encoded unique identity for creating Near Field Communication (NFC) tag based on the place or the geofence unique identity; sending, by a server system, a visual graphical code or encoded unique identity to the requestor client device, wherein enabling place merchant or admin to create Near Field Communication (NFC) tag based on server system provided encoded unique identity; acquiring image data of the visual graphical code from a user client device of the identified user with aid of optical detection apparatus, wherein the image data is acquired by capturing an image of the visual graphical code displayed on the display screen or in-place printed or other form using an imaging device operably coupled to the user client device and configured to optically detect the visual graphical code; processing said image data to extract and decode the place identity; based on the identified place identity or identification information related to the place, identifying the place, the place account or the merchant account, the merchant application, the place device(s) or person(s) or object(s), and the place merchant or admin; connecting identified user or user application or user client device with the identified place or place associated merchant or merchant application or merchant client device; and enabling the connected user to access connected place associated invoked interface or application and associated actions in the user client application and enabling the connected merchant user to access or view connected user related data and actions in the merchant client application.

[0031] In one or more embodiments, the place or the geofence including the place or the geofence associated with a merchant, a business, an office, a school, a college, a store, a patrol pump, a car parking, a hospital, a club, an apartment or a house and real-world location or place related to one or more types of entity.

[0032] In one or more embodiments, request comprises place or location or geofence information including selected place or location on maps and drawn geofence on maps, merchant accountpayment details, merchant application user identity and password, place profile, user profile and details including place or business name, logo, category(ies), keywords, working hours, products and services details, contact information for creating the place or the geofence associated account including the merchant account or the business account.

[0033] In one or more embodiments, displaying the connected user’s information and the contextual actions in the connected place associated application in the place’s client device and displaying connected place’s information and the contextual actions in the connected user associated application in the user’s client device.

[0034] In one or more embodiments, actions and interfaces including payment, order, book, buy, get waiting token, share list of items, request collect ordered items, request delivery of ordered items, reserve available or selected seat or table, view status and updates including order status and time, queue status and time, collection status and time,

[0035] In one or more embodiments, receiving, by the server system, the place associated merchant client application, a request to register the place or the geofence associated user with the server system, wherein request comprises the identity of the place and user profile details including a photo and a name; registering, by the server system, the place or the geofence associated user and storing, by the server system, user’s unique identity and the user profile; generating, by a server system, a visual graphical code including QR code based on the user unique identity; sending, by a server system, a visual graphical code to the merchant application or the merchant client device; acquiring image data of the visual graphical code from a user client device of the identified user with aid of optical detection apparatus, wherein the image data is acquired by capturing an image of the visual graphical code attached with user and displayed in printed or other form using an imaging device operably coupled to the user client device and configured to optically detect the visual graphical code; processing said image data to extract and decode the validation identity; based on the validation identity, identifying identity or account including user identity; based on identification information related to the user, identifying the user.In one or more embodiments, receiving, by the server system, the place associated merchant client application, a request to register the place or the geofence associated object or device with the server system, wherein request comprises the identity of the place and object profile details including a object or device name, type or category, image; registering, by the server system, the place or the location or the geofence associated object or device and storing, by the server system, object or device unique identity and the object or device profile; generating, by a server system, a visual graphical code including QR code based on the object or device unique identity; sending, by a server system, a visual graphical code to the merchant application or the merchant client device; acquiring image data of the visual graphical code from a user client device of the identified user with aid of optical detection apparatus, wherein the image data is acquired by capturing an image of the visual graphical code attached in printed or other form on / with the object or the device using an imaging device operably coupled to the user client device and configured to optically detect the visual graphical code; processing said image data to extract and decode the validation identity; based on the validation identity, identifying identity or account including the object or the device identity; based on the identification information related to the object or device, identifying the object or the device.

[0036] In one or more embodiments, receiving registering request, by the server system, from the user client device, wherein request comprises user details including user name, age, user identity, password, phone number and e-mail address; storing, by the server system, user details and user identity in the server storage medium.

[0037] In one or more embodiments, receiving, by a server system, from a user device request to identify nearby one or more places including nearest one or more places or current place; receiving, by the server system, from a user device monitored and tracked user device location information; based on received user device location information, identifying, by the server system, nearby one or more places including nearest one or more places or current place; displaying, by the server system, identified nearby one or more places including nearest one or more places or current place; in the event of selection of place from said identified places, connecting, by the server system, identified user or user application or user device with the selected place or merchant application or the merchant device; enabling user to access orautomatically invoking identified place associated interface or application and associated one or more actions.

[0038] In one or more embodiments, connecting with place or location or geofence comprising: receiving, by a server system, from a microphone device user voice and microphone device embedded stored unique identity to connect user with microphone device associated place or place device or place object or place people; and detecting or recognizing, by a server system, user voice based on sufficiently matching server storage medium pre-stored user voice with the received voice request and identifying stored user voice associated user identity.

[0039] In one or more embodiments, receiving, by at least one server from a merchant client device, a connection request to facilitating users and merchant an in-store actions including order, sharing, reactions, payment transaction between a connected user or user application and a merchant or merchant application, wherein the request comprises an image of the user and place associated unique identity stored in the merchant client device storage medium; comparing, by the at least one server, the image of the user from the connection request to the plurality of images corresponding to the plurality of users to identify user’s identity and determine an account associated with the user; and obtaining, by the at least one server and from the account associated with the user, a user identity and a payment account information; connecting identified user or user application or user client device with the identified place or place associated merchant or merchant application or merchant client device; and enabling the connected user to access connected place associated invoked interface or application and associated actions in the user client application and enabling the connected merchant user to access or view connected user related data and actions in the merchant client application.

[0040] In one or more embodiments, receiving, by at least one server from a merchant client device, a payment request to initiate an in-store payment transaction between a user and a merchant; sending a payment confirmation request to a client device associated with the payment account for the user, the payment confirmation request corresponding to the payment request to initiate the in-store payment transaction; receiving a confirmation response from the client device toprocess the in-store payment transaction; and processing, using the payment account for the user, the in-store payment transaction based on the received confirmation response.

[0041] In one or more embodiments, detecting that a user device of the user is brought near to Near Field Communication (NFC) tag within a Near Field Communication (NFC) range of the user device; in response to the detecting, establishing an NFC link with the user device; automatically retrieving place identity information that identifies the account of the place from the user device via the NFC link; sending the connection request including the identified place identity and the user identity information to a server; connecting identified user with the identified place or place associated client device or installed application in the place associated client device; and enabling user to access or automatically invoking identified place associated interface or application and associated one or more actions and interfaces.

[0042] In one or more embodiments, displaying the connected user’s information and the contextual actions in the connected place associated application in the place’s client device and displaying connected place’s information and the contextual actions in the connected user associated application in the user’s client device.

[0043] In one or more embodiments, defining, orchestrating, and enabled to execute or run multiple triggers associated actions including connect to place, people & objects for facilitating conducting of actions, connected applications, people, devices and objects related actions and collaborative actions as per triggering of event and orchestration, comprising: enabling to define, program, customize and orchestrate multiple triggers and define, program, customize and orchestrate each trigger associated actions; monitoring and tracking triggering of event or trigger; identifying trigger or triggering of event, wherein trigger or triggering of event based on at least one of selection and execution of user action or automatically executed action, date & time, monitored and tracked updates including location information, status, event, transaction and identified data; based on identified trigger or triggering of event, automatically executing or displaying as per trigger specific orchestration, defined one or more actions including at least one of displaying identified trigger specific one or more applications, interfaces, functions, call-to-actions or user actions, speaking voice phrases, provide updates, status, contents; and enablinguser to access said applications, interfaces, take call-to-actions including user actions or voice actions via voice commands, conduct scanning of code including QR code or put user device near NFC tags and augmented reality scanning to take one or more automatic or manual actions, input or select values as per parameters or field or instruction, take actions within displayed video or photo.

[0044] In one or more embodiments, define and orchestrate type of place, activity, requirement specification, task specific sequences and orchestration of triggers.

[0045] In one or more embodiments, enabling to save defined or programmed type of place, activity, requirement specification, task specific sequences and orchestrated triggers for later use or customization.

[0046] In one or more embodiments, enabling user to customize or edit saved defined or programmed type of place, activity, requirement specification, task specific sequences and orchestrated triggers.

[0047] In one or more embodiments, in the event of select type, name, and start by user, initiate monitoring and tracking of triggering of associated events or triggers related to user, wherein monitoring and tracking of triggering of associated events or triggers related to user from user’s or user’s related or connected one or more smart devices, applications, actions including third parties’ devices, applications, actions; in the event of triggering of identified event or trigger related to user, identifying associated actions; and displaying associated and identified actions for enabling user to select or select via voice and execute or automatically execute associated and identified on or more actions.

[0048] In one or more embodiments, type and name comprise type or name of location, place, geofence, entity, task, requirement, project, activity, task, workflow and associated profile and details.

[0049] In one or more embodiments, displaying modified or customize actions based on identified user identity and associated data.

[0050] Y1In one or more embodiments, enabling to select type and name and select and associate one or more events or triggers from list of events or triggers and associate with each selected event or trigger one or more actions from list of actions.

[0051] In one or more embodiments, event comprises selection of start action, scanning or reading of one or more types of codes and tags including QR code and NFC tag and identified type of data, identifying particular location or location of place or geofence, identifying particular sensor associated particular type of data, reaching at location of place, user voice, user connected voice, user selection of keywords, identifying particular keyword from user’s or user connection’s speaking,

[0052] In one or more embodiments, identify event or trigger or source of event or trigger based on user devices, applications, actions, updates, status, user connected or related or identified devices, applications and actions, updates, status of / from 3rd parties.

[0053] In one or more embodiments, enabling user to select or input preferred or required details or parameter or field specific values and execute action.

[0054] In one or more embodiments, enabling user to use action associate interface, application, select or input preferred or required details or parameter or field specific values, take one or more further actions.

[0055] In one or more embodiments, generating and storing identity and generate identity specific code including QR code or tag including NFC tag.

[0056] In one or more embodiments, configuring registered user to use application and scan via camera interface of application, attached code and tag with place, people, object and devices and receiving, by the sever system, from the user client device of registered user, request for activating or registering of code or tag or code or tag identity associated real-world place or location or geofence, object, people, and devices associated details, wherein request comprisesautomatically identified user identity, monitored and tracked user device location information, date and time, scanned or captured image(s), identified keywords based on image(s) based on object and optical character (OCR) recognition technologies, user selected or inputted type, category, name and name, profile detail, description, selected actions or inputted or suggested required types of actions or selected triggers and each selected trigger associated actions.

[0057] In one or more embodiments, an electronic device comprising: a smart speaker; a microphone; a communication interface; at least one processor electrically connected to the speaker, the microphone, and the communication interface; and a memory electrically connected to the processor, wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to: displaying graphical user interface (GUI) to enable authorized user or admin of place to select, add, modify, remove, orchestrate, customize and program at least one of one or more types of voice instructions or phrases, voice actions or commands or query keywords and associated voice response, voice notification, voice status, voice reactions and triggers and each trigger associated one or more types of voice instructions or phrases, voice actions or commands and associated voice response, voice notification, voice status, voice reactions; identify user’s identity by employing one or more technologies including at least one of received scanned QR data, selection of device from list of in-place registered devices from the connected registered user’s application, recognize user’s voice based on voice recognition technologies, selection of user’s photo by merchant from the merchant client application, recognized user’s face based on camera device and face recognition technologies, recognized user’s fingerprint based on biometrics device & finger recognition technologies,

[0058] based on identified identify of user, activate voice services including at least one of a voice conversation, a voice instruction, a voice response, status and notification, a voice action and reaction and a voice recognition service; enabling user to conduct at least one of custom voice actions or automatically execute actions based on identified trigger related to user, wherein voice actions, reactions, instruction, notification, response, status including ask place contact information, hear phone number, share phone number, ask named product availability, price, negotiate, discount, avail custom price or discount, check availability of name product(s) based on place inventory database, book and schedule non-available named products, make order of named products, instruct to deliver order at default pre-stored address with user identity, instructto collect and takeaway, instruct to consume at place, ask order status, number and time, add user to waiting queue and hear token number, ask about waiting status, time and current token number, hear user’s token number, name & assigned table number, hear billed amount, redeem points, make payments, hear voice payment confirmation and amount notification, listen list of reactions and provide instructed type of voice reaction including voice like, voice comment or feedback, issue disconnect with device voice command to disconnect user with device.

[0059] In one or more embodiments, enabling user to use voice services via user mobile device.

[0060] In one or more embodiments, employing camera and computer screen device converse with place connected staff person via connected application and conduct one or more actions including ask query, select products, avail custom offer, redeem points, add more suggested products, make order, instruct type of order including delivery, consume at place and takeaway, make payment, provide reactions or feedback.

[0061] In one or more embodiments, in the event of employing or adding or connecting or integrating one or more types of other connected devices including camera device, Near Field Communication (NFC) reader, fingerprint scanner, digital wearables including digital watch, personal computer, tablet in combination of smart speaker and microphone, identifying associated actions and triggers and each trigger associated actions for enabling authorized user or admin of place to select, add, modify, remove, orchestrate, customize and program at least one of one or more types of actions and triggers and each trigger associated actions, wherein actions and triggers and each trigger associated actions including converse with place associated remote staff persons, view product presentation and how it works, negotiate, bid, ask discount, add one or more selected contacts or connections or accompanied connections including family members and friends in conversation for collaborative conversation, selection or order, redeem points and make order, select and add products from list of products, real-time visually view in-store displayed products via live video stream or captured updated photo within pre-set duration and select products inside displayed said real-time video and make order, make payment, redeem points, provide authorization via fingerprint scanner, share measurements, share one or more types of profiles, share data or file, request prescription of medicines and make order andpayment, instruct to collect, delivery or takeaway, replacement, refund, schedule customize products delivery, visual search including search products in real-time live video based on order, selected color, brand, type, keywords, size, price range, age or age range, selected gender specific, send sample.

[0062] In one or more embodiments, take updated high quality photo(s) of in-store displayed products in pre-set interval of time and share and display captured photo(s) with requesting user; show and highlight each identified products inside photo; identify keywords including product identity based on object recognition and Optical Character Recognition (OCR) and based on identified keywords mapping in-store products database with each identified and highlighted or marked product in photo(s) and show identified product details from records of in-store inventory database with each highlighted or marked product in photo(s); associate with each highlighted or marked product in photo(s) one or more contextual actions; in the event of selection of product in photo(s) by tap or touch on product in photo, displaying one or more contextual actions and enabling user to select one or more actions, wherein actions comprises order and make payment, add to cart and view cart and make order and payment, instruct to collect products and delivery or takeaway or in-store consumption now or as per schedule, view details including price, discount, offer or custom offer for user, get support including ask queries.

[0063] In one or more embodiments, capturing, using a camera of the electronic device when the device is located in a physical store, video or photo includes a plurality of physical products in a product display at the physical store; displaying, on a display of the electronic device, the video or photo in real time; based on object recognition, identifying, from digital images of the video or photo, each individual product of the plurality of physical products depicted in the video or photo; modifying the video or photo to present an augmented reality view by overlaying a lines surround or on identified boarder of each identified individual product of the plurality of physical products depicted in the video or photo; based on object recognition and Optical Character Recognition (OCR) identifying, from digital images of the video or photo, identity of each individual product of the plurality of physical products depicted in the video or photo; based on identified identity of each individual product of the plurality of physical products depicted in the video or photo, identifying identified identity associated information from theproducts information database and modifying the video or photo to present an augmented reality view by overlaying identified product information on or beside or at prominent place or over or within identified boarder of selected specific individual product or selected view details control associated with specific individual product or each identified individual product of the plurality of physical products depicted in the video or photo, wherein select particular individual product of the plurality of physical products depicted in the video or photo based on tap or select within recognized and identified border of particular individual product; in the event of one time selection of or tap on individual product of the plurality of physical products depicted in the video or photo, add one product to cart or in the event of long press on individual product of the plurality of physical products depicted in the video or photo, automatically make order of one or pre-set or default numbers of said selected product and automatically make payment and automatically instruct to delivery at pre-defined delivery address or modifying the video or photo to present an augmented reality view by overlaying one or more action controls including add to cart, buy, add or less number, reaction, view details actions on or over or within identified boarder of selected specific individual or each identified individual product of the plurality of physical products depicted in the video or photo.

[0064] In one or more embodiments, in the event of selection of action control conduct associated action.

[0065] In one or more embodiments, viewing user is configure to select in-place available staff person(s) assistant control to concurrently show in-place staff person(s) in prominent place on the displayed video or photo in real time and enable to converse and conduct one or more actions or tasks including ask queries, requirements, offer, negotiation, product availability, make order and payment with call accepted in-place staff person(s).

[0066] In one or more embodiments, viewing user is configure to select in-place available one or more authorized staff person(s) and select one or more connections and make call including video call and in the event of acceptance of video call, concurrently show call accepted in-place staff person(s) and user connection(s) in prominent place on the displayed video or photo in real time and enable to converse and conduct one or more actions or tasks including ask queries,requirements, offer, negotiation, product availability, make order and payment with call accepted in-place staff person(s).

[0067] In one or more embodiments, obtaining, video or photo includes a plurality of physical products in a product display at a physical store as captured by the camera when the system is located in the physical store; instructing the display to display the video or photo in real time; displaying, on a display of the electronic device, the video or photo in real time; based on object recognition, identifying, from digital images of the video or photo, each individual product of the plurality of physical products depicted in the video or photo; modify the video or photo to present an augmented reality view by overlaying a lines surround or on identified boarder of each identified individual product of the plurality of physical products depicted in the video or photo; based on object recognition and Optical Character Recognition (OCR) identifying, from digital images of the video or photo, identity of each individual product of the plurality of physical products depicted in the video or photo; based on identified identity of each individual product of the plurality of physical products depicted in the video or photo, identify identified identity associated information from the products information database and modify the video or photo to present an augmented reality view by overlaying identified product information on or beside or at prominent place or over or within identified boarder of selected specific individual product or selected view details control associated with specific individual product or each identified individual product of the plurality of physical products depicted in the video or photo, wherein select particular individual product of the plurality of physical products depicted in the video or photo based on tap or select within recognized and identified border of particular individual product; in the event of one time selection of or tap on individual product of the plurality of physical products depicted in the video or photo, add one product to cart or in the event of long press on individual product of the plurality of physical products depicted in the video or photo, automatically make order of one or pre-set or default numbers of said selected product and automatically make payment and automatically instruct to delivery at pre-defined delivery address or modify the video or photo to present an augmented reality view by overlaying one or more action controls including add to cart, buy, add or less number, reaction, view details actions on or over or within identified boarder of selected specific individual or each identified individual product of the plurality of physical products depicted in the video or photo.In one or more embodiments, enabling each physical store of plurality of physical stores by using one or more cameras when the device(s) is / are located in a physical store, capturing from each camera, video or photo that each includes a plurality of physical products in a product display at the physical store; enabling user to search, browse, select and view selected one or more physical store related selected one or more real time video or photo, wherein in the event of selection displaying, on a display of the electronic device, selected real time video or photo of the selected physical store; receiving, by a electronic device, search query or list of products for visually searching one or more physical products specified by a user of the electronic device;

[0068] based on object recognition and Optical Character Recognition (OCR) identifying, from digital images of the video or photo, identify each individual product and identify identity of each individual product of the plurality of physical products depicted in the video or photo; based on identified identity of each individual product of the plurality of physical products depicted in the video or photo, identifying associated information from the products information database; matching user search query or list of products with identified information from the products information database and identifying identities of searched products; based on identities of searched products, identifying on-screen position of each product within the video being displayed in real time; and modifying the video to present an augmented reality view by overlaying a location indicator on each searched and identified products depicted in the video in the display, wherein the location indicator is a user interface element in the form of a highlighted lines or square lines around each searched and identified product.

[0069] In one or more embodiments, video or photo content or other image information captured by the camera may be processed to identify predefined one or more types of images or tags or codes or barcodes unique to the products depicted in the video or photo.

[0070] In one or more embodiments, registering, by the server system, physical store and each camera or video from each camera of each said registered physical store; storing, by the server system, central repository of available products based on inventory of products database of each registered physical store or accessing video or photo from each registered camera of each registered physical store and based on object recognition and Optical Character Recognition(OCR) identifying, from digital images of the video or photo, identify each individual product and identify identity of each individual product of the plurality of physical products depicted in the video or photo to identify available products; receiving, by a electronic device, search query or list of products for visually searching one or more physical products specified by a user of the electronic device; matching user search query or list of products with identified information from the products information database and identifying identities of searched products; based on identities of searched products, identifying on-screen position of each product within the video being displayed in real time; and modifying the video to present an augmented reality view by overlaying a location indicator on each searched and identified products depicted in the video in the display, wherein the location indicator is a user interface element in the form of a highlighted lines or square lines around each searched and identified product; displaying, on a display of the electronic device, searched one or more products related real time videos or photos for enabling user to view highlighted each searched product in the displayed selected video or photo; enabling user to take one or more contextual actions on each individual product, wherein action includes view product details and presentation or demo, add to cart, make order or buy, instruct to collect, delivery or takeaway or in-store consumption, view offer, redeem points, select delivery address, select payment account, make payment, ask related queries, view nearby store having physical availability, add to group deal, negotiate, bid, schedule store visit appointment, cancel order, make return, replace and refund request, make non-receiving of order or receiving of wrong ordered products complaint, request support, provide reactions including like, comment, refer, complaint, feedback, fill survey form.

[0071] In one or more embodiments, video or photo content or other image information captured by the camera may be processed to identify predefined images or tags or codes or barcodes unique to the products depicted in the video or photo.

[0072] In one or more embodiments, an electronic device comprising: a speaker; a microphone; a communication interface; optionally one or more integrated a NFC reader, a biometric device, a camera device; attached QR code or QR code display device, attached NFC tag, a SIM card slot, a SIM card, a modem, a battery, and one or more buttons or Printed Circuit Board (PCB) integrated buttons or keys including like button, volume increase and decrease buttons, powerbutton, reset button, a display including RGB LED display for displaying various status, an indicator including network connected & strength, turned on indication; at least one processor electrically connected to the speaker, the microphone, and the communication interface; and a memory electrically connected to the processor, wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to: identifying user identity by employing one or more techniques including at least one of scanning of QR code via user device camera and camera application, putting user device integrated NFC reader near to NFC tag, recognizing user face via device integrated camera and face recognition technologies, recognizing user fingerprint by scanning fingerprint via biometric device, recognizing user voice based on user’s voice or sound recognition techniques; in the event of identifying user or in the event of pressing device integrated like button including button integrated biometric or fingerprint scan button, storing like reaction with user identity; based on settings, playing user provided like reaction including like, like by user name, like by user name place name or product name; based on identifying device integrated camera device, enabling one or more users to provide expressions; recognizing one or more user’s face(s) and body parts expressions and identities and based on recognized expressions, identifying type of reactions including like, love, wow, dislike, refer or share to identity associated connections and enabling to provide video and voice comments; in the event of instructing user to provide voice comment, enabling user to record or provide voice comment via device integrated microphone, wherein further enabling to remove recorded voice comment by issuing remove voice command or action and further enabling user to record voice comment; based on settings, playing user’s voice comment;

[0073] in the event of instructing user to share or refer to user identity associated user’s connections, enabling user to issue voice command via device integrated microphone to instructing to share details including place details, user’s reactions including like and voice message to user’s connections, wherein further enabling user to remove instruction to share details by issuing remove voice command or voice action and further enabling user to provide instruction to share details; based on identifying device integrated display including RGB LED display, displaying reaction statistics and analytics including number of likes, comments, shares;

[0074] based on settings, playing or speaking via device integrated speaker device, user’s share details including referred, referred to friends, user name referred to friends; enabling user to issue disconnect voice command to disconnecting user with the device and enabling another user toaccess device; based on settings, generating post and share with connections, wherein generated post includes user details including user identity, name, profile link, date and time, place details including place name, place location, place link, place related or user purchased or reacted products and services details including link for details, name, description, price, discount, offer, number of likes, comments, ratings, shares, user reactions, video and voice comments, expression video.

[0075] In one or more embodiments, based on identifying device integrated display, identifying one or more users’ identity (ies) based on recognizing one or more users’ face(s) via integrated camera and face recognition technologies, enabling one or more users or group of users to record or post video expressions or reactions and video comments or post, select one or more connections of one or more identified users and share or refer and publish generated and user edited post to feed of user’s connections or selected one or more connections or selected connections of identified connections or users.

[0076] In one or more embodiments, an electronic device comprising: a speaker; a microphone; a communication interface; optionally one or more integrated a NFC reader, a biometric device, a camera device; attached QR code or QR code display device, attached NFC tag, a SIM card slot, a SIM card, a modem, a battery, and one or more buttons including volume increase and decrease buttons, power button, reset button, a display including RGB LED display for displaying various status, an indicator including network connected & strength, turned on indication, wherein SIM card fitted inside SIM slot having networks including 2G, 3G, 4G or 5G GPRS networks are used for communication between the device and payment bank’s cloud server, wherein a device does not require Wi-Fi or Bluetooth signal and can function anywhere with mobile connectivity; wherein device is connected to an account and device is connected to internet via inbuilt Modem and SIM; at least one processor electrically connected to the speaker, the microphone, and the communication interface; and a memory electrically connected to the processor, wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to: connecting merchant application of merchant device with the device via communication interface; identifying user identity by employing one or more techniques including at least one of scanning of QR code via user device camera and cameraapplication, putting user device integrated NFC reader near to NFC tag, recognizing user face via device integrated camera and face recognition technologies, recognizing user fingerprint by scanning fingerprint via device integrated biometric device, recognizing user voice based on user’s voice or sound recognition techniques, identifying and selecting user by merchant via merchant application in merchant device based on user connections with place or merchant device or merchant application, spoke, searched, selected or inputted phone number; based on pre-defined wizard based inputted voice instruction and associated selections of type of voice actions or selection of voice commands and associated program or customized settings, receiving, by the device from the connected merchant client application of the merchant device, pushed billed details including amount or receiving from the user, voice order, wherein voice order comprises voice command and voice products and services based on speech input or natural-language speech input and based on identified voice order, calculating billed amount; based on inputted or received or calculated billed amount, generating, by the device, voice billed details including voice billed payment amount notification; notifying or speaking or playing, by the device integrated speaker, generated voice notification including voice billed payment amount notification; receiving, by the device, voice command from the user to instructing device to repeat notifying or speaking or playing of said generated voice notification including voice billed payment amount notification; generating voice payment notification, wherein voice payment notification comprises voice payment amount, wherein generating voice payment notification based on received payment confirmation message from the payment processor based on processing, by the payment processor of the payment processing entity, the payment request including debiting amount from the identified user’s account and crediting amount to the identified merchant’s account; speaking or playing communicated voice payment notification including speaking or playing confirmed payment amount, wherein whenever a payment is received in the bank account associated with the device, a message is sent by the cloud server to the device and a voice alert is generated; receiving, by the device, voice command from the user to instructing device to repeat notifying or speaking or playing of said generated voice payment notification including confirmed payment amount notification; and receiving and recording, by the device, from the user, voice reaction(s) including like or love or wow place, place related products and services, place staff or people, voice comments and instruction to share or refer details of place or place related one or more products and services to connections.In one or more embodiments, displaying on the display including RGB LED to indicate various states during operation including payment amount, logs of confirmed payment amount by one or more users or customers.

[0077] In one or more embodiments, when a buyer makes a payment, it gets updated in merchant’s account, wherein device keep pooling account via internet connectivity for any new payment as soon as it gets a new payment, it fetches the details and notifies via speaker.

[0078] In one or more embodiments, based on pre-defined wizard based inputted voice instruction and associated selections of type of voice actions or selection of voice commands and associated program or customized settings and place or merchant related products inventory database, receiving from the user, voice query related to availability of particular one or more products and services and associated one or more attributes including color, size, type, specification, price range and brand based on user speech input or natural-language speech input; querying or searching, place products and services inventory database(s); in the event of availability, speak by the speaker of the device, confirmation of availability of available one or more products and services and based on non-availability of user speak names of products and services, notifying via voice notification that one or more named products and services are not available; receiving, from the user confirmation of ordering of available products and services and receiving, from the user confirmation of booking and scheduling of non-available products and services.

[0079] In one or more embodiments, based on pre-defined wizard based inputted voice instruction and associated selections of type of voice actions or selection of voice commands and associated program or customized settings and place or merchant related products inventory database, receiving from the user, voice query related to price and associated discount or offer of one or more products and services based on user speech input or natural-language speech input; querying or searching, place products and services inventory database(s); speak by the speaker of the device, name and associated price and discount or offer of each queried products and services.In one or more embodiments, enabling user or user application or user device to connect with place or place merchant application or place merchant device using fingerprint of user, comprising: a user registers one or more said fingerprints where a fingerprint in machine readable form is called a fingerprint record; receiving, by the server system, user’s fingerprints from the in-place biometric device; automatically matches the fingerprint at the time of connection request to registered fingerprints comparing said received fingerprint record of the user at the time of connection request with all said registered fingerprint records to find a matching fingerprint record; based on the identified fingerprint record, identifying the identity of the place, the place account or the merchant account, the merchant application, the place device(s) or person(s) or object(s), and the place merchant or admin; connecting identified user or user application or user client device with the identified place or place associated merchant or merchant application or merchant client device; and enabling the connected user to access connected place associated invoked interface or application and associated actions in the user client application and enabling the connected merchant user to access or view connected user related data and actions in the merchant client application.

[0080] In one or more embodiments, an electronic device comprising: a speaker; a display; a communication interface; at least one processor electrically connected to the speaker, and the communication interface; and a memory electrically connected to the processor,

[0081] wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to: determining that the device is communicatively coupled to the user client application via one or more communication interface; identifying registered device associated identity; in the event of scanning, by the user from the user client application, device attached or associated or human identified QR code, identifying identity of user and receiving, by the device, user identity from the server storge medium via user client application; receiving, by the server, request to store user reaction, wherein request comprises type of reaction including like, love, wow, user identity, identity of the device or the place or the entity; storing, by the server, type of user reaction with the user identity and the identity of the device or the place or the entity in a storage medium; displaying, updated number of times reaction, on the display of the device; outputting or playing or speaking, using the at least one speaker, audible content or generated audible content comprising customized or programmed or pre-defined or concatenatedor generated audible content based on type of reaction including like, wow, and love, name of the identified user or person, name of the identified place, number of times providing type of reaction by identified user.

[0082] In one or more embodiments, enabling user to connect with device via online client application, installed smart client application, installed progressive web application; sending, from the user client application, registration request, to the server, wherein request comprises one or more types of user details including user name, phone number, age and gender; verifying user by sending one time password (OTP) on the user phone number associated device and receiving, from the user client application in said user device, one time password (OTP) and confirming verification by matching received one time password (OTP) with the sent one time password (OTP); generating user unique identity and storing unique user identity with one or more types of user details including user name, phone number, age and gender.

[0083] In one or more embodiments, application includes management features including at least one of QR code scanner application or camera application for instructing server to sharing unique user identity from the server storage medium to the device via user client application and invoke place associated merchant payment interface for making pushed or selected or inputted via voice or inputted amount specific payment from user selected or default payment account to device associated identified merchant account associated account or payment or bank account, detailed user profile management, payment account management including add, remove and update one or more payment method details including credit card, debit card, Unified Payment Interface (UPI), user connections management for sharing or publishing user reaction details, access user’s reaction via device related statistics and analytics and reaction associated place details and link, share action for sharing one or more selected places and associated user’s reactions via device with one or more selected connections or based on user privacy settings automatically real-time share or publish user’s place associated reactions via device to user’s pre-selected or pre-set connections with place details including name, brand, logo, type or category, offered products and services, in-place reactions and ratings.In one or more embodiments, an electronic device comprising: a speaker; a display; a communication interface; at least one processor electrically connected to the speaker, and the communication interface; and a memory electrically connected to the processor,

[0084] wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to: determining that the device is communicatively coupled to the user client application via one or more communication interface; identifying registered device associated identity; in the event of scanning, by the user from the user client application, device attached or associated or human identified QR code, identifying identity of user and receiving, by the device, user identity from the server storge medium via user client application; invoking and displaying, in the user client device, reaction application for enabling user to providing from the identified or connected user client device, to the device, one or more types of reactions via selection of reaction controls including selection of like or love or wow button, selection of ratings control to provide 1-5 stars ratings, inputted comments in text box or recorded voice comment by selecting voice comment control; receiving, by the server, request to store user reaction, wherein request comprises type of reaction including like, love, wow, user identity, identity of the device or the place or the entity; receiving and storing, by the server in a storage medium, details of user provided said one or more types of reactions from the user client application of the user client device, wherein reaction details comprise provided type and associated values of reaction including like or love or wow, 1-5 stars ratings, inputted or recorded voice comments, referring place or named products to all or named one or more connections of user, complete survey form via selection of spoke options via voice, user identity, identity of the device or the place or the entity; displaying, updated number of times like, comment, share or refer reaction and calculated average ratings, on the display of the device; outputting or playing or speaking, using the at least one speaker of the device, audible content or generated audible content comprising customized or programmed or pre-defined or concatenated or generated audible content based on type of reaction including like, wow, and love, ratings including 1-5 stars ratings, recorded voice comment or converted text comments to voice comments, share or refer to all or selected connections, name of the identified user or person, name of the identified place, number of times providing type of reaction by identified user, total number of times each type of reaction including updated number of likes, comments, shares or refers, average ratings, survey related question and selected option by user.In one or more embodiments, an electronic device comprising: a speaker; a microphone; a display including RGB LED display; a communication interface; at least one processor electrically connected to the speaker, the microphone and the communication interface; and a memory electrically connected to the processor, wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to: determining that the device is communicatively coupled to the user client application via one or more communication interface; identifying registered device associated identity; identifying identity of the user based on at least one of selection of in-place device from the list of in-place devices from the user client application, sharing of user identity from the user client application or scanning, from the user client application, device attached or associated or human identified QR code or voice identity via device microphone or user device microphone and receiving, by the device, user identity from the server storge medium via user client application; enabling user to providing from the device, selection of one or more types of reaction keys including selection of like key for providing like, rate key for providing rating including 1-5 stars, comment key to start and end recording of voice comment or enabling user to provide one or more types of voice reactions via device microphone, wherein voice reactions including like or love or wow, 1-5 stars ratings, start and end recording of voice comments, referring place or named products to all or named one or more connections of user, complete survey form via selection of spoke options via voice; enabling user to providing from the identified or connected user client device, to the device, one or more types of reactions via selection of reaction controls including selection of like or love or wow button, selection of ratings control to provide 1-5 stars ratings, inputted comments in text box or recorded voice comment by selecting voice comment control, referring place or named products to all or selected one or more connections of user, fill survey forms including options or wizard based short survey forms; receiving and storing, by the server in a storage medium, details of user provided said one or more types of reactions from the device and from the user client application of the user client device, wherein reaction details comprise provided type and associated values of reaction including like or love or wow, 1-5 stars ratings, recorded voice comments, user identity, identity of the device or the place or the entity; displaying, updated number of times like, comment, share or refer reaction and calculated average ratings, on the display of the device; outputting or playing or speaking, using the at least one speaker of thedevice, audible content or generated audible content comprising customized or programmed or pre-defined or concatenated or generated audible content based on type of reaction including like, wow, and love, ratings including 1-5 stars ratings, recorded voice comment or converted text to voice comments, share or refer to all or selected connections, name of the identified user or person, name of the identified place, number of times providing type of reaction by identified user, total number of times each type of reaction including updated number of likes, comments, shares or refers, average ratings, survey related question and selected option by user.

[0085] In one or more embodiments, an electronic device comprising: a speaker; a microphone; a camera; a display; a communication interface; at least one processor electrically connected to the speaker, the microphone, and the communication interface; and a memory electrically connected to the processor, wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to: determining that the device is communicatively coupled to the user client application via one or more communication interface; identifying registered device associated identity; identifying identity of the user based on at least one of face recognition by capturing user face or body parts image(s) via device connected camera and sending said captured image(s) or video(s) to the server for matching said received image(s) or image(s) of video(s) with stored image(s) or image(s) of video(s) for identifying identity of user, selection of in-place device from the list of in-place devices from the user client application, sharing of user identity from the user client application or scanning, from the user client application, device attached or associated or human identified QR code or voice identity via device microphone or user device microphone and receiving, by the device, user identity from the server storge medium via user client application; enabling user to providing from the device, selection of one or more types of reaction keys including selection of like key for providing like, rate key for providing rating including 1-5 stars, comment key to start and end recording of voice comment or enabling user to provide one or more types of voice reactions via device microphone, wherein voice reactions including like or love or wow, 1-5 stars ratings, start and end recording of voice comments, referring place or named products to all or named one or more connections of user, complete survey form via selection of spoke options via voice, identifying reactions based on user’s video expressions by using device camera, enabling to provide video comments by using device camera; enabling user to providing from the identified or connecteduser client device, to the device, one or more types of reactions via selection of reaction controls including selection of like or love or wow button, selection of ratings control to provide 1-5 stars ratings, inputted comments in text box or recorded voice comment by selecting voice comment control, referring place or named products to all or selected one or more connections of user, fill survey forms including options or wizard based short survey forms, provide video reactions and video comments; receiving and storing, by the server in a storage medium, details of user provided said one or more types of reactions from the device and from the user client application of the user client device, wherein reaction details comprise provided type and associated values of reaction including like or love or wow, 1-5 stars ratings, recorded voice comments, video reactions, video comments, user identity, identity of the device or the place or the entity; displaying, updated number of times like, comment, share or refer reaction and calculated average ratings, on the display of the device; outputting or playing or speaking, using the at least one speaker of the device, audible content or generated audible content comprising customized or programmed or pre-defined or concatenated or generated audible content based on type of reaction including like, wow, and love, ratings including 1-5 stars ratings, recorded voice comment or converted text to voice comments, shared or referred place to all or selected connections, name of the identified user or person, name of the identified place, number of times providing type of reaction by identified user, total number of times each type of reaction including updated number of likes, comments, shares or refers, average ratings, survey related question and selected option by user.

[0086] In one or more embodiments, an electronic device comprising: a speaker; a microphone; a camera; a display; a communication interface; at least one processor electrically connected to the speaker, the microphone, and the communication interface; and a memory electrically connected to the processor, wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to: receiving, by at least one server from a display device integrated or connected camera, a connection or user’s identity request, wherein the request comprises an image of the user and place associated unique identity stored in the display device storage medium; comparing, by the at least one server, the image of the user from the connection or user’s identity request to the plurality of images corresponding to the plurality of users to identify user’s identity; sending, by the server, identity of user to the display device; based onreceived identity, by the display device, connecting or log-in or allowing to access display device to the identified user; enabling user or group of users or user accompanied or user client application connected group of users to providing from the display device, one or more types of reactions including video expressions by using connected in-place display device and based on live user’s or group of users expressions and voice before display device camera and using microphone, identifying one or more types of reactions including like, love, wow and ratings, provide or record video voice or comments by using display device camera and using microphone, real-time broadcast live video stream comments by user or group of users, by using display device camera and using microphone, to all in-place connected users, all or selected connections of user or all connections of group of users who are accompanied or connected with user via user’s client application or all users of network, select reaction application or interface and associated actions, and reactions controls from the display device and provide like, love, wow, ratings, text comment, refer or share to all or selected connections and all connections of group of users who are accompanied or connected with user via user’s client application, enabling user to select and fill survey form including multi option choice survey form for getting user’s feedback, reactions, complaint and suggestion by using display device and submit, take one or more photos and videos including individual or group photos or videos, individual or group photos or videos with products and persons in place with expressions and voice or video comments, enabling user to create post by using step-by-step guided wizard including capture or select or edit in-place user or group of users photo(s), video(s) with purchased products or consumed products, select user provided reactions including like, ratings, text, video or live stream recorded comments, selected or ordered products details, selected one or more types of place details, augment the post and publish in real-time in-place feed, online public feed or publish or share to selected connection of user or connections of group of users, view in feed or view searched or filtered or sorted real-time posted posts published by in-place connected users; displaying, updated number of times like, comment, share or refer reaction and calculated average ratings in the reaction application of the display device, displaying video comments or live comments in the real-time feed or story or presentation or slide-show application of the display device; outputting or playing or speaking, using the at least one speaker integrated or connected with display device, audible content or generated audible content comprising customized or programmed or pre-defined or concatenated or generated audible content based ontype of reaction including like, wow, and love, ratings including 1-5 stars ratings, recorded voice comment or converted text to voice comments, shared or referred place to all or selected connections, name of the identified user or each person of group of users accompanied with user or connected with / via user client application, name of the identified or connected place, number of times providing type of reaction by identified user or user accompanied or user client application connected users, total number of times each type of reaction including updated number of likes, comments, shares or refers, average ratings, survey related question and selected option by user.

[0087] In one or more embodiments, an electronic device comprising: a speaker; a microphone; a camera; a display; a communication interface; at least one processor electrically connected to the speaker, the camera, the microphone, and the communication interface; and a memory electrically connected to the processor, wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to: receiving, by at least one server from a merchant client device, a payment request to initiate an in-store payment transaction between a user and a merchant, wherein the payment request comprises an image of the user; comparing, by the at least one server, the image of the user from the payment request to the plurality of images corresponding to the plurality of registered users to determine a user account associated with the user; obtaining, by the at least one server and from the user account associated with the user, a payment account for the user; sending a voice payment confirmation request to a speaker of merchant client device or client device associated with the payment account for the user, the payment confirmation request corresponding to the payment request to initiate the in-store payment transaction; receiving a voice confirmation response from the microphone of the user connected merchant client device or receiving a voice confirmation response or a confirmation from the notification from the client device to process the in-store payment transaction; and processing, using the payment account for the user, the in-store payment transaction based on the received confirmation response.

[0088] In one or more embodiments, identifying user voice by using voice identity, voice identification, or voice biometrics based on precise voice capturing and recording device and voiceidentification software that recognizes speech and novel patterns compared to those already recognized, wherein voice identification confirms a voice belongs to a specific individual.

[0089] In one or more embodiments, receiving, by at least one server from a merchant client device, a request to identify user’s identity, wherein the request comprises an image of the user; comparing, by the at least one server, the image of the user from the request to the plurality of images corresponding to the plurality of registered users to determine a user identity or a user account associated with the user; in the event of not identifying of user’s image, instructing user via voice to provide user’s details including at least name, phone number, age or date of birth and gender via voice from the microphone of the merchant client device; and receiving, by at least one server from a merchant client device, a registration request, wherein the registration request comprises an image of the user, user details including user name, phone number, age or date of birth and gender and storing in the storage medium user’s image and voice to text converted user details including generated user identity, user name, age or date of birth and gender.

[0090] In one or more embodiments, receiving, by at least one server from a user client device, a request to register user, wherein the request comprises an image of the user, user’s details including at least name, phone number, age or date of birth and gender; and storing in the storage medium user’s image and user details including generated user identity, user name, age or date of birth and gender.

[0091] In one or more embodiments, receiving, by at least one server from a user client device, a request to add one or more payment methods including bank account, cards including debit cards and credit cards, Unified Payment Interface (UPI) identity, Virtual Private Address (VPA); and storing, by the server, added one or more payment methods.

[0092] In one or more embodiments, monitoring and tracking, by the server, identified identity associated user device current location and identifying current location associated place; and in the event of identified current location associated place is not sufficiently matched with place of device, not allowing user to conduct or process payment transaction and send notification aboutfailed or fraud transaction with photo(s), video and voice to place merchant device, identified user’s device and one or more pre-set identified devices.

[0093] In one or more embodiments, an electronic device comprising: a speaker; a microphone; a camera; a display; a communication interface; at least one processor electrically connected to the speaker, the camera, the microphone, and the communication interface; and a memory electrically connected to the processor, wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to: identifying, identity of user, wherein identifying, identity of user at least one of based on selecting user from a displayed users by a merchant from the merchant client device, wherein displaying the user details including user name, user identity, photo(s), video(s), phone number, email address, address in the merchant client application based on at least one of monitored the user device current location, identifying the location associated identified place and detected that the user dwelled at said place for pre-set amount of time or recognizing face of the user by using camera device and face recognition technologies, recognizing voice of the user received from the microphone based on voice identity, receiving voice identity including phone number from the user, receiving fingerprint of the user by using fingerprint scan device; sending request, to the server, to identify, identified user associated privacy settings related to automatically making of bill payments to said identified place or place merchant associated payment account, wherein request comprises identified identity of user, billed amount and identity of place or merchant; based on identified privacy settings including identified that user has selected said identity associated place for allowing merchant to get billed amount payment from user via automatic payment method and checked associated one or more privacy settings including billed payment amount is less than or equal to the maximum amount allowed to pay via pay via automatic payment method to said selected place, automatically debit identified billed payment amount from the user’s pre-set or default payment account to the merchant’s payment account or bank account and notifying the user on the user device, payment confirmation notification.

[0094] In one or more embodiments, sending a payment confirmation request to a client device associated with the payment account for the user, the payment confirmation request corresponding to the payment request to initiate the in-store payment transaction; receiving aconfirmation response from the client device to process the in-store payment transaction; and processing, using the payment account for the user, the in-store payment transaction based on the received confirmation response.

[0095] In one or more embodiments, privacy settings comprise maximum limit of payment amount per transaction, start date and time and end date and time, set payment confirmation required from the user before making payment and set payment confirmation communication methods including send payment confirmation via notification, SMS, email, phone call on user mobile device, select payment method including pay via Unified Payments Interface (UPI) including Unified Payments Interface (UPI) identity or Virtual Payment Address (VPA), net banking or bank account, cards including debit card, credit card, pay via automatic payment of installment, pay later, pay via redeemable points, payment wallet for making automatic payment to place(s).

[0096] In one or more embodiments, enabling place merchant to know billed amount equal availability of funds in the user’s account and in the event of identifying balance amount in user’s account less than billed amount or failing of payment transaction, informing user and instructing to make in-place payment or change payment method which having sufficient balance amount to make bill payment with automatic payment method.

[0097] In one or more embodiments, monitoring, tracking and receiving, by the sever, user device current location information; in the event of identifying user device current location associated identified place, displaying user details or profile details including user identity, one or more photos, videos, voice, name, phone number, email address, age, gender, address, current location information on maps in the said place related merchant client application; based on received or created or updated order from said in-place user or customer, allowing, merchant from the merchant client application, to select said user or customer from the displayed list of users or customers and associating said user’s order related calculated or updated billed payment amount; sending request, to the server, to identify selected identified user associated privacy settings; based on identified privacy settings, automatically debit billed amount from the user pre-set or default payment account to the merchant’s payment or bank account.In one or more embodiments, select user from the displayed list of users based on human identification of face or body parts of the in-place or near counter person or ask to user, one or more types of details including phone number, pass code, user identity, user name.

[0098] In one or more embodiments, receiving, by the speaker device of the device, payment confirmation notification and generating by the device, voice payment confirmation notification and speaking or playing or audio outputting by the speaker device of device, voice payment confirmation notification.

[0099] In one or more embodiments making a secure electronic automatic payment, comprising: receiving, by a system provider device via a network from a payer device, a payee account and a payment amount; associating, by the system provider device in a database, an automatic payment of payment amount instruction with the payee account; associating, by the system provider device in the database, the automatic payment instruction with a payer account that is linked to the payer device; automatically causing, by the system provider device for each of one or more instances in which it is determined that the user applied automatic payment privacy settings and pre-set or selected trigger(s) are satisfied, a payment of payment amount to be made from the payer account to the payee account designated by the automatic payment instruction.

[0100] In one or more embodiments contactless identifying identity of the payee account associated use based on at least one of face identity, voice identity, fingerprint identity, selection of user by merchant from the merchant device, sharing order with user identity by current user in queue from user client application of the user device, retrieved identify from the Radio Frequency Identification (RFID) tag attached or integrated in customer device via Radio Frequency Identification (RFID) or retrieved identify from the Near Field Communication (NFC) tag attached or integrated in customer device via Near Field Communication (NFC) reader.

[0101] In one or more embodiments auto pay user privacy settings for selected places and service providers comprise allowed maximum amount of payment via auto pay, turn on or turn off pay via auto pay payment method or option, start and end date within which allow to make automatic payment of due amount, select payment method or payment account, select allowed trigger whenmake automatic payment from user’s payment account or auto pay payment account to merchant’s payment account or auto pay payment account.

[0102] In one or more embodiments triggering of automatic payment based on one or more types of predefined or pre-set trigger or event, wherein type of trigger or event comprises merchant inputted confirm order, checkout, after expiration of pre-set duration, generating bill or invoice, sending bill or invoice, confirm receiving of order, confirm auto payment, select custom control to provide auto pay indication, after pre-set duration of identifying trigger, exit place geofence or place location, disconnect with place by selecting disconnect control, issuing voice command, select checkout via auto pay control or order added products in cart & auto pay control from online website including e-commerce website.

[0103] In one or more embodiments making a secure electronic automatic payment between a first user and a first merchant, the method comprising: storing, by an automatic payment system, user information for a plurality of users including the first user, wherein the user information includes a user identifier and a payment account identifier corresponding to a payment account associated with each user of the plurality of users, wherein the automatic payment system is in communication with a plurality of merchant devices at a plurality of merchant places or locations or geofences; identifying, by the merchant device associated with the first merchant, identity of the first user and payment due amount; in the event of identifying the first user, automatically receiving, by the automatic payment system and from the user device, an authorization to automatically pay the first merchant for ordered products and services based on identified trigger and as per the first user provided privacy settings and preferences; identifying, by the merchant device, ordered products and services related to the first user; automatically transferring transaction information identifying the calculated billed amount for ordered products and services, identity of the first merchant and a identity of the first user from the merchant device to the automatic payment system; identifying, by the automatic payment system, a payment account associated with the identity of the first user; and debiting, by the automatic payment system, the payment account associated with the identity of of the first user for the ordered products and services based on the authorization and crediting, by the automatic payment system, the payment account associated with the identity of the first merchant.In one or more embodiments, further comprising: identifying, by the merchant device associated with the first merchant, identity of the second user and payment due amount; in the event of identifying the second user, automatically receiving, by the automatic payment system and from the user device, an authorization to automatically pay the first merchant for ordered products and services based on identified trigger and as per the second user provided privacy settings and preferences; identifying, by the merchant device, ordered products and services related to the second user; automatically transferring transaction information identifying the calculated billed amount for ordered products and services, identity of the first merchant and a identity of the second user from the merchant device to the automatic payment system; identifying, by the automatic payment system, a payment account associated with the identity of the second user; and debiting, by the automatic payment system, the payment account associated with the identity of of the second user for the ordered products and services based on the authorization and crediting, by the automatic payment system, the payment account associated with the identity of the first merchant.

[0104] In one or more embodiments ordering products and services and generating bill via central global ordering and billing & invoicing system.

[0105] In one or more embodiments create order based on selected products and services by user from user device client application or via place display device client application by user or counter person or via order taker person device with table identity by order taker, make voice order which automatically create order based on voice to text and text to select or create record technologies, create order on behalf of user by place counter person based on getting verbal order or automatically identify products or services based on user voice via voice recognition and automatically associate user identity or select and associate user identity by place counter person or based ooon voice order via place device microphone, automatically identify products and services names, quantity and create order.

[0106] In one or more embodiments after creating order automatically calculating bill including total amount of purchased products, services, various types of tax, automatically applied redeemablepoints, default tips, service charges, delivery charges (if user instructed delivery) and automatically generating and displaying ordered items details with identified and associated or selected user’s with order details and automatically generating invoice, bill and based on settings or input automatically print bill or invoice with or without token number.

[0107] In one or more embodiments automatically generating auto pay payment confirmation notification and automatically sending auto pay payment confirmation notification to identified user for getting auto pay billed amount confirmation from user within pre-set duration and in the event of getting auto pay confirmation from user or after pre-set duration, automatically make billed amount payment from identified or selected user’s payment account to the place associated merchant’s payment or bank account.

[0108] In one or more embodiments in the event of defaulting or non-payment of due payment amount within pre-set duration or rules, automatically make pending due amount from the insurance payment account to merchant’s payment account based on insurance policy, settings and rules including verification, and confirmation from authorized person.

[0109] In one or more embodiments associating user identity with user’s related order created by user or merchant.

[0110] In one or more embodiments automatically creating user auto pay account, after registering user by receiving user registration details and successfully verify user by employing one or more verification techniques.

[0111] In one or more embodiments establishing, by a payment system, a user auto pay account for a customer or user.

[0112] In one or more embodiments establishing, by a payment system, a user account for a customer, the user account associated with a user application running on a user device, and the user application acquiring customer financial account information corresponding to one or morefinancial accounts of the customer, the customer financial account information being stored securely by the payment system in a user database.

[0113] In one or more embodiments debiting amount from the user auto pay account for ordered products and services by user based on triggering of at least one auto payment trigger and after satisfying user privacy settings or rules.

[0114] In one or more embodiments auto pay user privacy settings for selected places and service providers comprise allowed maximum amount of payment via auto pay, turn on or turn off pay via auto pay payment method or option, start and end date within which allow to make automatic payment of due amount, select payment method or payment account, select allowed trigger when make automatic payment from user’s payment account or auto pay payment account to merchant’s payment account or auto pay payment account.

[0115] In one or more embodiments dynamically provide credits to user by one or more places, third parties credit providers including brands, and the auto pay network, wherein dynamically provide credits based on purchased branded products and services, user location, past purchases at place(s), user profile including age, gender, education, skills, income range, interest, school, college, business job details, monitored and tracked user activities, actions, participated events, transacted and visited locations and places, updated status related data.

[0116] In one or more embodiments automatically creating merchant auto pay account, after registering merchant and palce of merchant by receiving merchant and merchant place registration details and successfully verifying merchant and merchant place by employing one or more verification techniques.

[0117] In one or more embodiments establishing, by the payment system, a merchant auto pay account for a merchant place or service provider.In one or more embodiments crediting amount to the merchant auto pay account for ordered products and services by user based on triggering of at least one auto payment trigger and after satisfying user privacy settings or rules.

[0118] In one or more embodiments establishing, by the automatic payment system, a merchant account for a merchant place, the merchant account associated with a merchant application running on a merchant device located at the merchant place, and the merchant application acquiring merchant financial account information corresponding to one or more financial accounts of the merchant place, the merchant financial account information being stored securely by the payment system in a merchant database.

[0119] In one or more embodiments based on the user’s update bill request, update and share updated bill, user’s return request, make auto refund, user’s refund request for charging wrong, after review make auto refund.

[0120] In one or more embodiments receiving request, by the user device from the automatic payment system, payment confirmation via payment confirmation notification with payment confirmation action control and in the event of confirming payemtn by selecting payment confirmation action control, automatically make payment from the identified user’s auto pay account to the identified merchant’s auto pay account.

[0121] In one or more embodiments making a secure electronic payment later between a first user and a first merchant, the method comprising: storing, by a payment system, user information for a plurality of users including the first user, wherein the user information includes a user identifier and a payment account identifier corresponding to a payment account associated with each user of the plurality of users, wherein the payment system is in communication with a plurality of merchant devices at a plurality of merchant places or locations or geofences; identifying, by the merchant device associated with the first merchant, identity of the first user and payment due amount; in the event of identifying the first user, receiving, by the payment system and from the user device, an authorization to pay the first merchant for ordered products and services based on pay later settings provided by the first merchant; identifying, by the merchant device, orderedproducts and services related to the first user; automatically transferring transaction information identifying the calculated billed amount for ordered products and services, identity of the first merchant and a identity of the first user from the merchant device to the payment system; identifying, by the payment system, a payment account associated with the identity of the first user; sending, by the payment system, payment confirmation notification to the first user and in the event of payment confirmation or in the event of non-accepting payment confirmation within pre-set duration, debiting, by the payment system, the payment account associated with the identity of of the first user for the ordered products and services based on the authorization and crediting, by the automatic payment system, the payment account associated with the identity of the first merchant, wherein in the event of non-payment of due amount or part due amount, based on settings, enabling to pay due amount based on installments or pay later as per rules including schedule and interest or debiting, by the payment system, the insurance payment account associated with the identity of of the insurance provider for the pending due for ordered products and services by th first user based on the insurance provider authorization and crediting, by the payment system, the payment account associated with the identity of the first merchant.

[0122] In one or more embodiments auto pay privacy settings by place merchant comprise allowed maximum amount of payment via auto pay, turn on or turn off pay via auto pay payment method or option, start and end date within which allow to make automatic payment of due amount, select allowed trigger when make automatic payment from user’s payment account or auto pay payment account to merchant’s payment account or auto pay payment account, wherein auto pay triggers comprise pre-set duration after sending payment confirmation notification, in the event of non-payment of pending due amount after pre-set duration, allowing to pay via installments or pay later as per rules including schdules, and interest, in the event of non-payment of pending due amount after pre-set duration, transferring pending payment amount due from the insurance payment account to the user payment account.BRIEF DESCRIPTION OF THE DRAWINGS

[0123] Non-limiting and non-exhaustive embodiments of the present invention are described with reference to the following drawings. In the drawings, like reference numerals refer to like parts throughout the various figures unless otherwise specified.

[0124] For a better understanding of the present invention, reference will be made to the following Detailed Description, which is to be read in association with the accompanying drawings, wherein:

[0125] Figure 1 illustrates a schematic diagram of an environment in which a connect to place, people & objects for facilitating conducting of actions system and / or in-store contextual actions system operates in accordance with one or more embodiments;

[0126] Figure 2 illustrates components of an electronic device implementing various embodiments related to registration, log in, manage profile, user connections and payment methods, connect with place, access connected place e.g. in-store associated actions for conducting required actions from displayed list of contextual actions or triggered event specific actions e.g. after connecting with place, making order and payment directly from user client device, view payment voice confirmation notifications, logs, status, updates, bills, connect with merchant client application and received pushed bill and make payment and like.

[0127] Figure 3 illustrates components of an electronic device implementing various embodiments related to registration, send merchant's Sign-In request to access connect to place, people & objects for facilitating conducting of actions for business or merchant application, interfaces, actions, services and related data including connected users / customers, payments, profile, merchant payment account data, posts, messages, status, send request to create Place Page user interface and send request to create or customize via wizard based or visual programming / orchestrating of connectable or connected Place's custom User Interface (selection & customization of actions, selected parameters or fields associated values, interfaces, applications, data, view or hear voice payment confirmation notifications, add or update products or servicesdetails, view logs, view received orders, settlements, reports and like, connect with user client application and send or push or present bill or invoice and or receipt.

[0128] Figure 4 illustrate example graphical user interface of user client application for connecting place via QR code or NFC reader or voice command, select place and connect and access connected place associated application and actions, invite nearby connections and mange connected connections accompanied with user.

[0129] Figure 5 illustrate examples of various embodiments of enabling user to connect with place including scanning in-place e.g. in-store QR code to connect with QR code encoded place identity associated place e.g. current user device location associated place or user visited real-world place wherein user stay or dwell. In various embodiments user can connect with place via put user device near place NFC tag, select place from displayed place(s) based on user device current location, scan fingerprint, scan face and issue pre-defined connection voice command.

[0130] Figures 6-7 illustrate example graphical user interface of connected place associated application or user interface or automatically invoking in the event of user client application of user device connect with place for accessing customized, personalized and contextual actions including automatically identified actions based on triggering of type of current event, user’s in-place past and current actions, current task, transaction, communication, status, updates, date & time, accompanied identified connections, voice command, type of order, instruction, selection, user profde, past visits and associated data. Place associated admin can wizard-based customize, edit and update place related interface(s), actions, connected merchant or business application, services, devices and make available for place connected users or customer for conducting in-place contextual actions or triggering of event or trigger specific contextual actions.

[0131] Figure 8 illustrate example graphical user interface of connected place associated personalized and customized user application and merchant application showing shared and updated selective user profile, actions, interfaces, status, updates based on conducted actions, by sending request from merchant client application 176 module 395 to server 110 module 193, for facilitating user to take in-place action including make order, add to queue and view updated status, makepayments, communicate with staff and facilitating merchant to manage order, communication, push bill and receipt, view reactions and like. Example graphical user interface of connected place associated application or interface with associated contextual actions in connected place user’s client application wherein invoked connected place application or interface in user client application connected with place associated merchant or business or entity client application for showing connected user’s full or partial or shared profile information including photo, nick name or name, sharing of data, automatically sharing or displaying of updates and status of actions in both connected place interface of user client application and merchant or business client applications including from connected place interface in user client application in-place, when user makes list of ordered products and services which gets by merchant or business client application, make payment directly from user client application which notifies to merchant client application, communications between user and merchant, provide and claim offer, provide and view customer or user’s reactions.

[0132] Figures 9A-9G illustrate example graphical user interface for enabling user to select place(s) and apply privacy settings and set payment method for making payment to place, service providers and online websites via automatic payment system and method. Merchant can manage automatic making of payment. User can access automatic payment transactions and associated actions. In another embodiment place or service provider merchant or admin allows all or selected users to make payment later as per settings, schedules and rules. In another embodiment creating automatic payment account of each users and merchant of network and enabling to make automatic payment from user’s automatic payment account to merchant’s automatic payment account.

[0133] Figures 10A-10C illustrates customizable and programmable, customized, and programmed in-place smart voice notifications, reactions devices. In various embodiments getting in-place assistant from remote staff from in-place connected device and use list of products and services, voice command, visual view and selection of products and make order and make payments via QR code, NFC tag, payment voice commands, face, and fingerprint recognition-based user identity, directly from user device and merchant device and pay via automatic payment.Figure 11 illustrates, in various embodiments embodiment user can scan in-place object e.g. food dish and provide one or more types of reactions from displayed list of contextual types of reactions including like taste, like quantity, like price or display object specific custom survey. In another embodiment user can scan table(s) / seat(s) QR code(s) or put user device near NFC tag to identify user seated table(s) / seat(s) for enabling server to serving order to user on user identified table(s) / seat(s), wherein order made by user directly from the connected place application of the user device. User can make payment of ordered foods from the connected place application of the user device. In another embodiment user can scan in-place staff person attached QR code and NFC tag via user device to connect and identify for conduct various instore actions including instruct, converse, make complaint, provide reactions, tips, remember for later use. In another embodiment user reaction device for identifying user by employing one or more techniques and enabling user to provide one or more types of reactions including like, love, wow, voice comments and survey, refer to friends, visual reactions, and comments. Display also shows statistics of likes, comments and share or refer.

[0134] Figure 12 illustrates example graphical user interface of in-place or in-store live stream video, wherein in-place or in-store via in-place device or user mobile device or online (remote) via user mobile device, user is able to real-time view live stream video of in-store displayed products and view details of products or selected products, with one tap on displayed products within live video can make default order, make payments and provide reactions or add to cart one or more products, make order, provide reactions or collaboratively select products by invited and connected users and make order and payments directly from in-place device or user mobile device. In-place staff able to view in live video product specific list of orders, inventory, statistics including number of views, quantities, orders, amounts, reactions.

[0135] Figure 13 illustrates example graphical user interface for enabling registered place related merchant or authorized admin to customize place application for connected users or customers wherein merchant or authorized admin can add, modify or customize and remove one or more actions and interfaces as per place requirements and devices.Figure 14 illustrates example graphical user interface for enabling registered place related merchant or authorized admin to customize place online web page or online application for users or customers wherein merchant or authorized admin can add, modify or customize and remove one or more actions and interfaces as per place requirements.

[0136] Figures 15-17 illustrates example graphical user interface for enabling registered place related merchant or business or entity related authorized admin to select type including type of place or location or activity or task(s) or workflow or requirement, optionally select ready to use template, add or use already added or edit place details, add or remove one or more types of triggers or events from list of triggers or events based on type of place, available, selected, added and installed applications, interfaces, actions, devices, add, edit, customize, program, sequence, orchestrate selected trigger specific applications, services, interfaces, actions including applications, interfaces, actions provided by server or network and 3rdparties’ developer and provider.

[0137] Figure 18 illustrates examples graphical user interface for searching, matching, selecting, adding, removing, editing, customizing, starting, ending, accessing started, re-start paused, and managing shortcuts of multi parties, multi persons, multi devices, multi applications and actions-based place, task, activity specific pre-defined or customized triggers and associated customized actions for enabling user to conduct complete lifecycle related in-place triggers and tasks associated actions, particular activity specific end-to-end customized and contextual triggers and tasks associated actions.

[0138] DETAILED DESCRIPTION OF THE DRAWINGS

[0139] FIG. 1 is a schematic diagram illustrating an environment that includes a connect to place, people & objects for facilitating conducting of actions system 100 in accordance with one or more embodiments. An overview of the environment is described in relation to FIG. 1.

[0140] Thereafter, a more detailed description of the components and processes of the connect to place, people & objects for facilitating conducting of actions 100 and other components within the environment are provided in relation to the remaining figures.FIG. 1 illustrates a schematic diagram illustrating additional details of the environment including the components of the connect to place, people & objects for facilitating conducting of actions 100 and the payment network 135. As shown, the connect to place, people & objects for facilitating conducting of actions system 100 includes a user client device 130, a merchant or entity client device 175 (collectively "client devices"), and server device(s) 110. In general, the connect to place, people & objects for facilitating conducting of actions system 100 allows a user associated with the user client device 130 to connect with scanned QR code or NFC tag decoded identity associated or selected current location or search and selected place or location or geofence associated identified merchant or business or entity client application and device(s) and engage in or conduct in-store contextual actions including in-store or in-place or in-geofence ordering, viewing order status, visually viewing and identifying selected or ordered products, scan seated table(s) / seat(s), scan object via attached QR code or NFC tag or camera and identify based on optical character recognition (OCR) and object recognition technologies and take one or more identified contextual actions via user device user client application, scan and connect instore person to communicate during stay or later, instructing to delivery or takeaway or consume in-store or in-place, providing one or more types of reactions including like, dislike, emoticons, comments to selected one or more products and services via selecting from list, augmented reality scanning and via voice, get and redeem custom offers, view physically and order or purchase other products, invite nearby friends, connect accompanied connections including friends and family and select order separately via respective user’s smart devices and application and make group order, contribute, group reactions including like and select payment method from added one or more payment methods and make electronic payment transactions with a merchant directly from user client device 130 via server 110 and one or more 3rd parties service providers including payment service providers based on APIs and SDKs provided by connect to place, people & objects for facilitating conducting of actions system 100.

[0141] As shown, the connect to place, people & objects for facilitating conducting of actions system 100 includes various components on the user client device 130, the merchant client device 175, and the server device(s) 110. For example, FIG. 2 illustrates that the client devices 130 (200) and 170 (300) each include a user client application including connected place application, interface,actions, and other applications e.g., a web browser, a messaging application, a payment application or an e-commerce application with various components, and the server device(s) 110 include a network application 160 contains various modules and a payment engine 190 with various components 164 / 162. The merchant client device 175 (300) also includes one or more features 390. The payment network 135 is illustrated as a component or system separate from the payment system 100, though other embodiments of the payment system 100 may include some or all of the components / functionality of the payment network 135. The components of the client applications 130, 175, the network application 160, and the payment engine 190 work together to allow a user to send payments to a merchant, as described in greater detail below.

[0142] As illustrated by FIG. 1, the connect to place, people & objects for facilitating conducting of actions system 100 allows user 101 to select place or put user device 130 near NFC tag or recognize user’s face or fingerprint or issue voice command (e.g. “Connect Me”) or scan QR code to connect QR code identity associated place or business or merchant application 176 or device 175 and enabling a connected user’s 101 client device 130 user client application 132 with connected place or place associated device 175 or application 176 to conduct displayed, identified contextual actions including order including collect and delivery or takeaway or consume at place, view order status, book, get & claim custom offer, add to queue and view status & time, invite connections including friends and family and add to group order or seat reservation or queue or payment including contribution or full payment by user and engage in electronic payment transactions with merchants. Specifically, the connect to place, people & objects for facilitating conducting of actions system 100 allows a user to engage in an in-store electronic payment transaction with a merchant using a user client device 130 and a merchant client device 175, respectively. As further illustrated in FIG. 1, and as described in more detail in additional figures, the connect to place, people & objects for facilitating conducting of actions system 100 allows the merchant client device 175 associated with the merchant to communicate with server device(s) 110 via a network 125. The server device(s) 110 are also able to communicate with the user client device 130 associated with the user via the network. In addition, the connect to place, people & objects for facilitating conducting of actions system 100 can include a payment network 135 communicatively coupled with the server device(s) 110 via the network 125. Although FIG. 1 illustrates a particular arrangement of the user client device130, the merchant client device 175, the server device(s) 110, the network 125, and the payment network 135, various additional arrangements are possible. For example, the user client device 130 and / or the merchant client device 175 may directly communicate with the server device(s) 110, bypassing the network 125. In another example, the server device(s) 110 may include the payment network 135, such that the connect to place, people & objects for facilitating conducting of actions system 100 processes payment transactions at the server device(s) 110.

[0143] The connect to place, people & objects for facilitating conducting of actions system 100 coordinates the sending and receiving of payments between the user 101 and the merchant 102 in connection with a payment transaction. For example, the user 130 can begin a checkout process by selecting one or more goods or services to purchase at an in-store checkout location or directly from connected place associated invoked or opened place application or interface (discussed in detail in Figure 6). According to various embodiments, the checkout location can allow the user to interact with the merchant or place staff to purchase or order online or offline goods or services or can allow the user 101 to perform a self-checkout process to purchase goods or services and directly make payment from connected place application (discussed in detail in Figure 6).

[0144] As briefly mentioned above, FIG. 1 shows that the user and the merchant can use a user client device 130 and a merchant client device 175, respectively, to engage in electronic payment transactions with one another via the server 110 and the payment network 135.

[0145] The server device(s) 110 identifies the user based on the sign in and associated user name or one or more types of user identity and identifies the merchant based on selected place on maps associated identity or website or webpage uniform resource locator (URL) or web address associated merchant identity or merchant’s account information including bank account or debit card details or inputted or entered or selected merchant identity or merchant’s account information including bank account or debit card details. For example, the user, using the user client device 130 can exchange payment transaction information (e.g., user / merchant identifiers, payment amounts, selected or default or pre-set payment account information) with the server device(s) 110 in one or more electronic communications. The server device(s) identifies the user130 and merchant 175 based on the received identities and determines a payment account for the user and determines a merchant account or merchant’s bank account to use in processing the payment transaction.

[0146] Additionally, the user 101, using the user client device 130, can exchange one or more electronic communications with the server 110 to confirm and authorize one or more payment transactions. For example, the server 110 can receive said payment transaction data from the user client device 130 after identifying the user 101 and merchant 102 and identifying the selected or default or pre-set payment account or automatically determined account based on charges, country, currency, offer including redeemable points and like. The user 101 can authorize the payment transaction by interacting with the user client device 130 to cause the user client device 130 to send an instruction authorization to the server device(s) 110. The server 110 can then process the payment transaction between the user 101 and the merchant 102 based on the user's authorization. Specifically, the server 110 communicate with the payment network 125 to transfer funds from a payment account of the user to a payment receivable account of the merchant 175.

[0147] Based on a various embodiments of the connect to place, people & objects for facilitating conducting of actions system 100, the server device(s) 110 store various types of information associated with users and merchants. Specifically, the server device(s) 110 store identifier information for use in identifying the user 101 and the merchant 102 in a payment transaction. For example, in one or more embodiments, the server device(s) 106 can include or communicate with a server 110 that stores 115 user information for users registered with the server 110. To illustrate, the social networking system can maintain user accounts including user identification information and payment account information. The server device(s) 110 can use any of the user information to identify the user 101 and to initiate a payment transaction between the user 101 and a merchant 102.

[0148] In addition to allowing the connected user 101 and the merchant 102 to engage in electronic payment transactions, the connect to place, people & objects for facilitating conducting of actions system 100 can allow users and / or merchants to exchange messages with other users. Forexample, connected client applications 132 on the user client device 130 and the merchant application 176 on the merchant client device 175 allow the user 101 and merchant 102 to view automatically shared updated data, actions, status, exchange communications with each other, by sending request from merchant client application 176 module 395 to server 110 module 193. To illustrate, the user client device 130 and merchant client device 175 sends and receives communication messages (e.g., text messages, instant messages, update, status, notification, order, shared items, filled form, selective user profile data) via the server device(s) 110.

[0149] As mentioned previously, and as FIG. 1 illustrates, the user 101 and merchant 102 can interact with the user client device 120 and the merchant client device 175, respectively. Examples of client devices include computing devices such as mobile devices (e.g., smartphones, tablets, smartwatches, wearable devices including digital and smart spectacles, smart speakers, smart cameras, fingerprint or biometric scanner, Near Field Communication (NFC) reader, smart microphone, codes and tags including QR code and NFC tags), smart displays, laptops, desktops, or any other type of computing device. Moreover, and as mentioned above, the user client device 130 and the merchant client device 175 can communicate with the server device(s) 110 and / or with each other through the network 125. In one or more embodiments, the network 125 includes the Internet or World Wide Web. The network 125, however, can include one or more private and / or public networks that use various communication technologies and protocols, as further described below.

[0150] FIG. 1 illustrates an example platform, under an embodiment. According to some embodiments, system 100 can be implemented through software that operates on a portable computing device, such as a mobile computing device. System 100 can be configured to communicate with one or more network services, databases, objects that coordinate, orchestrate or otherwise provide advertised contents of each user to other users of network. Additionally, the mobile computing device can integrate third-party services which enable further functionality through system 100.

[0151] While FIG. 1 illustrates a gateway 120, a database 115 and a server 110 as separate entities, the illustration is provided for example purposes only and is not meant to limit the configuration ofthe system. In some embodiments, gateway 120, database 115 and server 110 may be implemented in the system as separate systems, a single system, or any combination of systems.

[0152] As illustrated in FIG. 1, the system may include a user client device 130 and merchant client device 175. Devices or Mobile devices 130 / 175 may be particular set number of or an arbitrary number of devices or mobile devices which may be capable of accessing place connect applications, interfaces, actions, maps application(s), accessing web browser(s), registration, sending and receiving SMS or push notifications, send and receive user data, profile, notifications, status, messages, contents, sign in via employing one or more methods. Each device or mobile device in the set of user and merchant) 130 / 175 and mobile devices 130 / 175 may be configured to communicate, via a wireless connection. Each one of the mobile devices 130 / 175 may also be configured to communicate, via a wireless connection, to a network 125, as illustrated in FIG. 1. The wireless connections of mobile devices 130 / 175 may be implemented within a wireless network such as a Bluetooth network or a wireless LAN.

[0153] As illustrated in FIG. 1, the system may include gateway 120. Gateway 120 may be a web gateway which may be configured to communicate with other entities of the system via wired and / or wireless network connections. As illustrated in FIG. 1, gateway 120 may communicate with mobile devices 130 / 175 via network 125. In various embodiments, gateway 120 may be connected to network 125 via a wired and / or wireless network connection. As illustrated in FIG.

[0154] 1, gateway 120 may be connected to database 115 and server 110 of system. In various embodiments, gateway 120 may be connected to database 115 and / or server 110 via a wired or a wireless network connection.

[0155] Gateway 120 may be configured to send and receive user data including registration and profile information, payment methods, payment account and merchant account details, payment request, notifications, status, orders, payment transactions and orders logs, user shared data or contents, logs of user’s activities, actions, events, senses, transactions, status, updates, presence information, locations, check-in places and like) to / from mobile devices 130 / 175. For example, gateway 120 may be configured to receive registration information provided by user or merchant to database 115 for storage.Database 115 may also be configured to receive and service requests from gateway 120. For example, database 115 may receive, via gateway 120, a request from a mobile device and may service the request by providing, to gateway 120, various types of user profile, user data, added payment methods data, logs, status which meet the criteria specified in the request. Database 115 may be configured to communicate with server 110.

[0156] As illustrated in FIG. 1, the system may include a server, such as server 110. Server may be connected to database 115 and gateway 120 via wired and / or wireless connections. As described above, server 110 may be notified, by gateway 120, of new or updated profile, payment methods, accessing of profile, user data, user payment methods, logs and status stored in database 115.

[0157] FIG. 1 illustrates a block diagram of a system configured to implement the various embodiments related to platform. While FIG. 1 illustrates a gateway 120, a database 115 and a server 110 as separate entities, the illustration is provided for example purposes only and is not meant to limit the configuration of the system. In some embodiments, gateway 120, database 115 and server 110 may be implemented in the system as separate systems, a single system, or any combination of systems.

[0158] FIG. 2 illustrates an electronic device 200 implementing operations of the invention. In one embodiment, the electronic device 200 is a smartphone with a processor 230 in communication with a memory 290. The processor 230 may be a central processing unit and / or a graphics processing unit. The memory 290 is a combination of flash memory and random-access memory. The memory 290 stores a various module to implement operations of various embodiments of the invention. Modules may include executable instructions to access a server which coordinates operations disclosed herein. Alternately, the modules may include executable instructions to coordinate some of the operations disclosed herein, while the server modules implement other operations.

[0159] The processor 230 is also coupled to image sensors 238. The image sensors 238 may be known digital image sensors, such as charge coupled devices. The image sensors capture visual media,which is presented on display 210. The image sensors 238 capture visual media and present the visual media on the display 210 so that a user can observe the captured visual media.

[0160] A touch controller 215 is connected to the display 210 and the processor 230. The touch controller 215 is responsive to haptic signals applied to the display 210.

[0161] The electronic device 200 may also include other components commonly associated with a smartphone, such as a wireless signal processor 220 to provide connectivity to a wireless network. A power control circuit 225 and a global positioning system (GPS) processor 235 may also be utilized.

[0162] The Global Positioning System (GPS) sensor 244 determines the geolocation of the mobile device 200 and generates geolocation information (e.g., coordinates including latitude, longitude, aptitude). In another embodiment, other sensors may be used to detect a geolocation of the mobile device 200. For example, a Wi-Fi sensor or Bluetooth sensor or Beacons including iBeacons or other accurate indoor or outdoor location determination and identification technologies can be used to determine the geolocation of the mobile device 200.

[0163] FIG. 2 shows a block diagram illustrating one example embodiment of a mobile device 200. The mobile device 200 includes an optical sensor 244 or image sensor 238, a Global Positioning System (GPS) sensor 235, a position sensor 242, a processor 230, a storage device 286, and a display 210.

[0164] The optical sensor 244 includes an image sensor 238, such as, a charge-coupled device. The optical sensor 244 captures visual media. The optical sensor 244 can be used to media items such as pictures and videos.

[0165] The GPS sensor 238 determines the geolocation of the mobile device 200 and generates geolocation information (e.g., coordinates including latitude, longitude, aptitude). In another embodiment, other sensors may be used to detect a geolocation of the mobile device 200. For example, a WiFi sensor or Bluetooth sensor or Beacons including iBeacons or other accurateindoor or outdoor location determination and identification technologies can be used to determine the geolocation of the mobile device 200.

[0166] The position sensor 242 measures a physical position of the mobile device relative to a frame of reference. For example, the position sensor 242 may include a geomagnetic field sensor to determine the direction in which the optical sensor 240 or the image sensor 244 of the mobile device is pointed and an orientation sensor 237 to determine the orientation of the mobile device (e.g., horizontal, vertical etc.).

[0167] The processor 230 may be a central processing unit that includes a media capture application, a media display application, and a media sharing application.

[0168] The media capture application (not shown in figure) includes executable instructions to generate media items such as pictures and videos using the optical sensor 240 or image sensor 244. The media capture application 273 also associates a media item with the geolocation and the position of the mobile device 200 at the time the media item is generated using the GPS sensor 238 and the position sensor 242.

[0169] The media sharing application includes executable instructions to enable the user to share one or more types of contents with controls place.

[0170] The storage device 286 includes a memory that may be or include flash memory, random access memory, any other type of memory accessible by the processor 230, or any suitable combination thereof. The storage device 286 stores required data revived by / from application 290. The storage device 286 also stores executable instructions corresponding to Registration and Verification 291, Send Sign-In request 292, Send request to connect place 293, Send monitored user client device location information 294, Send request to identify, connect and invite nearby connections 295, Send request to search, select, connect, follow or access selected place associated page 296, Send request to access connected or selected place or place associated persons, objects, devices associated interfaces, actions, functions, applications, data, user place profdes, posts, action update & status, transactions, products / services order, offers, place QRcode, place profile, 297, Provide reactions to real- world objects, products, persons via scan attached QR code / NFC, augmented scan, voice command or via voice, video, face & body expressions recognition, dedicated reaction device 298.

[0171] The display 210 includes, for example, a touch screen display. The display 210 displays the connected place or merchant or entity data including profile, status, conducted actions related data, status, updates, sharing, logs, connected place related persons, objects and devices, contextual further actions, media items generated by the media capture application. A user take connected place associated contextual actions by touching the corresponding action on the display 210. A touch controller monitors signals applied to the display 210 to coordinate the displaying, selecting and taking of the actions.

[0172] The mobile device 200 also includes a transceiver that interfaces with an antenna. The transceiver may be configured to both transmit and receive cellular network signals, wireless data signals, or other types of signals via the antenna, depending on the nature of the mobile device 200. Further, in some configurations, the GPS sensor 238 may also make use of the antenna to receive GPS signals.

[0173] FIG. 3 illustrates an electronic device 300 implementing operations of the invention. In one embodiment, the electronic device 300 is a smartphone with a processor 330 in communication with a memory 390. The processor 330 may be a central processing unit and / or a graphics processing unit. The memory 390 is a combination of flash memory and random-access memory. The memory 390 stores various modules to implement operations of one or more of the embodiments of the invention. Modules may include executable instructions to access a server which coordinates operations disclosed herein. Alternately, the modules may include executable instructions to coordinate some of the operations disclosed herein, while the server modules implement other operations.

[0174] The processor 330 is also coupled to image sensors 338. The image sensors 338 may be known digital image sensors, such as charge coupled devices. The image sensors capture visual media, which is presented on display 310. The image sensors 338 capture visual media and processincluding encode data, recognize object or person and / or present the visual media on the display 310 so that a user can observe the captured visual media.

[0175] A touch controller 315 is connected to the display 310 and the processor 330. The touch controller 315 is responsive to haptic signals applied to the display 310.

[0176] The electronic device 300 may also include other components commonly associated with a smartphone, such as a wireless signal processor 320 to provide connectivity to a wireless network. A power control circuit 325 and a global positioning system (GPS) processor 335 may also be utilized.

[0177] The Global Positioning System (GPS) sensor 344 determines the geolocation of the mobile device 300 and generates geolocation information (e.g., coordinates including latitude, longitude, aptitude). In another embodiment, other sensors may be used to detect a geolocation of the mobile device 300. For example, a Wi-Fi sensor or Bluetooth sensor or Beacons including iBeacons or other accurate indoor or outdoor location determination and identification technologies can be used to determine the geolocation of the mobile device 300.

[0178] FIG. 3 shows a block diagram illustrating one example embodiment of a mobile device 300. The mobile device 300 includes an optical sensor 344 or image sensor 338, a Global Positioning System (GPS) sensor 335, a position sensor 342, a processor 330, a storage device 386, and a display 310.

[0179] The optical sensor 344 includes an image sensor 338, such as, a charge-coupled device. The optical sensor 344 captures visual media. The optical sensor 344 can be used to media items such as pictures and videos.

[0180] The GPS sensor 338 determines the geolocation of the mobile device 300 and generates geolocation information (e.g., coordinates including latitude, longitude, aptitude). In another embodiment, other sensors may be used to detect a geolocation of the mobile device 300. For example, a WiFi sensor or Bluetooth sensor or Beacons including iBeacons or other accurateindoor or outdoor location determination and identification technologies can be used to determine the geolocation of the mobile device 300.

[0181] The position sensor 342 measures a physical position of the mobile device relative to a frame of reference. For example, the position sensor 342 may include a geomagnetic field sensor to determine the direction in which the optical sensor 340 or the image sensor 344 of the mobile device is pointed and an orientation sensor 337 to determine the orientation of the mobile device (e.g., horizontal, vertical etc.).

[0182] The processor 330 may be a central processing unit that includes a connected users’ or customers’ and associated contextual actions and updated data.

[0183] The media capture application 373 (not shown in figure) includes executable instructions to generate media items such as pictures and videos using the optical sensor 340 or image sensor 344. The media capture application 373 also associates a media item with the geolocation and the position of the mobile device 300 at the time the media item is generated using the GPS sensor 338 and the position sensor 342.

[0184] The media sharing application includes executable instructions to enable the user to share one or more types of contents to one or more selected or auto identified or connected users of network.

[0185] The storage device 386 includes a memory that may be or include flash memory, random access memory, any other type of memory accessible by the processor 330, or any suitable combination thereof. The storage device 386 stores required data revived by / from application 390. The storage device 386 also stores executable instructions corresponding to Registration and Verification 391, Send Sign-In request 392, Send request to create Place Page User Interface 393, Send request to create or customize via wizard based or visual programming / orchestrating of connectable or connected Place's custom User Interface (selection & customization of actions, selected parameters or fields associated values, interfaces, applications, data) 394, Send request to update interface based on users' connection with place, actions, updates, status, events, triggers, transactions 395, Reaction management - Send request to register real-world objects,products, persons with details, associate selected reaction controls and interfaces (application, form, link, actions) and receive QR code / encoded identity for creating NFC tag, view reaction statistics and analytics 396.

[0186] The display 310 includes, for example, a touch screen display. The display 310 displays the each connected user’s updated information including name, photo, date and time of in-place connection, current actions and associated status, updates, logs, connected connections and devices and associated actions, updates, logs. A user can selects media items by touching the corresponding media items on the display 310. A touch controller monitors signals applied to the display 310 to coordinate the capturing, recording, and selection of the media items and conducting one or more actions, reactions, providing of instructions.

[0187] The mobile device 300 also includes a transceiver that interfaces with an antenna. The transceiver may be configured to both transmit and receive cellular network signals, wireless data signals, or other types of signals via the antenna, depending on the nature of the mobile device 300. Further, in some configurations, the GPS sensor 338 may also make use of the antenna to receive GPS signals.

[0188] Figure 4 illustrate example graphical user interfaces for initiating a scanning of place QR Code or selecting nearby place based on monitored user device current location to connect user with place or place associated merchant or business application in accordance with one or more embodiments.

[0189] In an embodiment user is enabled to download, install and update smart client application, access web application, install or access progressive web application (PWA), install, update and access parent container smart client application to access device and operating system’s features, APIs and sensors having progressive web applications (PWAs) in one or more user devices including smartphone or mobile phone device, personal computer (PC), tablet, laptop, wearables including smart watch, smart spectacles and other digital devices. In the event of opening or accessing user application 130, enables user 101 to register with the system or server via server 110 module 181 or network or application or service by sending registration request 291, wherein registrationrequest comprises name, age, gender, mobile number and email address and verify user’s mobile device via sending one-time password (OTP) on said mobile number and verify user’s email address via sending one-time password (OTP) on said email address. After registration and verification, enabling user 101 to provide one or more types of user profile details and add one or more types of payment methods and verify said payment methods via one or more types of application programming interface (APIs) including bank APIs. After registration, user can login application and access one or more provided features in application.

[0190] In an embodiment user 101 opens the user client application 132 in user mobile device 130 and enable to log-in by sending log-in request from user client application 130 module 292 to server 110 module 292 182 to access the user client application 132, wherein log-in request comprises user identity and password or can use user’s fingerprint or face or voice to log-in the application or based on settings, when user open the user client application 132, automatically log-in 403 user and allow user to access the features of user client application 132. User can access user’s account 401 for viewing, updating user’s profile, payment information and adding of payment methods including UPI, debit cards, credit cards, net banking details, import user phone contacts, invite connections for making connection and accept connection request and connect for creating connections with users of network.

[0191] In one or more embodiments, the connect to place system 100 module 185, monitoring and tracking user 101 device 130 current location information or receiving monitored user client device location information from user client application 132 module 294 and displaying current or nearby or nearest places information 405 including place name, URL or link, image(s) and one or more types of details including photos, offered products, reviews and ratings, opening and closing hours or timings, offers based on said identified and received location information and displaying on user device (130) 200 display 310 for user selection for enabling user to select current place and access connected place related application and actions discussed in detail in figure 6.

[0192] In one or more embodiments, user can select place from suggested places including nearby or nearby having offers 410, past visited, liked & bookmarked 420 places or use link or place orsearch 462, browse 464, search via / on maps application 466 and select place and access selected place’s online page or interface and associated actions (discussed in detail in figure 14) or tap or click on start button 467 to access place associated triggers specific pre-defined actions (discussed in detail in figures 6 (B) and 14-16) or visit place and connect place and access associated application and actions (discussed in detail in figures 6 (A)). In another embodiment user search place based on input place details including name, address, place phone number and uniform resource locator (URL) and identify place. In another embodiment user can start 467 and add one or more places 468 to use as per added place(s) associated triggers and current trigger or event associated contextual or currently required action(s) based on user location, connection, status, action updates, triggering of events. In another embodiment enabling user to end or cancel 469 started shortcuts related to pale or task. In another embodiment enabling user to manage one or more started shortcuts including select and access associated application and actions or trigger or event specific displayed for user selection or instructed contextual actions, switch, auto switch, stop or cancel or remove or terminate, pause and re-start, paused one or more shortcuts (discussed in detail in figure 24). In another embodiment based on monitored and tracked user device 130 current location by server module 185 or receive monitored user client device location information from user client application 132 module 294 and stored user connections data by server storage medium 115 via database server 164, identifying nearest or nearby user connections or identifying updated nearest or nearby user connections and displaying nearby connections details in list 470 (e.g. 472 / 474), wherein details comprises name, relationship, number or names of mutually connected friends, number of times visited connected place with user, photo, profile page link or enabling user to auto connect with nearest connections or accompanied connections or accept request to connect from in-place connections for connecting in-place with them for receiving shared list of orders from them, make group order, make payment of group order or receive contribution and make payment. In one or more embodiments, invite connections and schedule visit of selected place and automatically connect at connected place. In another embodiment enabling user to connect via various different ways including via scanning in-place QR code 480 or putting user device near to Near Field Communication (NFC) tag (if device is NFC reader enabled which show to user via NFC icon 485) having encoded place information including place unique identity, place associated merchant’s payment account or bank details, by issuing voice command via selecting icon 482(e.g. voice command or action: “connect me to current place” or <place name> or <place’s unique identity >), connect based on speaking displayed name of current identified place based on user device’s monitored and tracked current location and getting voice confirmation from user to connect spoke place name. In another one or more embodiments connect user with place via scanning user’s fingerprint via biometrics device, via face recognition device and via voice recognition or voice command or action recognition device (discussed in detail in figure 5).

[0193] Figure 5 illustrate example graphical user interfaces of the user client device 130 for enabling user to scanning 530 of place QR Code 510 via camera application 535 of the user client device 200 (130) for connecting QR Code enclosed or encoded unique identity including Virtual Payment Address (VPA) or Unified Payments Interface (UPI) identity or unique phone number or unique email address or unique account number or unique user identity any other type of unique identity associated place or geofence or location or place merchant or business or place merchant or business application or place merchant or business client device, by sending connection request to the server 110 module 184 from the user client application 132 module 293, wherein request comprise scanned QR code data for decoding data or decoded identity and user identity to connect user client application 132 with merchant client application 176 in accordance with one or more embodiments. In an embodiment user can add bank account by tapping on the Add New Bank button. Select the bank which user want to link with from the list of available banks. Server will automatically fetch user’s account details and will link it to user’s account. Then user can set their PIN e.g. UPI PIN in India by tapping on the set UPI PIN button. Then user enters card details. ( Last six digits of Debit / ATM card number and Expiry Date) and enter received verification OTP and set PIN e.g. UPI PIN in India. After adding and verifying bank account user can transact directly using PIN e.g. UPI PIN in India.

[0194] In an embodiment enabling user 101 to scan 530 QR code 510 via any QR code decoder application and install user client application 130 and register via server 110 module 181 and access features, connect places, access shortcuts, connect with devices.

[0195] In an embodiment automatically retrieving and sharing user’s identity based on user device 200 attached or integrated Radio Frequency Identification (RFID) tag 523 via Radio FrequencyIdentification (RFID) reader device 506, wherein based on retrieved identity, connecting user with place, automatically sharing user associated one or more types of selected data or displaying user associated one or more types of data for user selection and sharing with connected place or place associated device(s) and one or more selected person(s) or one or more selected nearby connection device(s). In another embodiment automatically retrieve and share user’s identity based on user device 200 attached or integrated Near Field Communication (NFC) tag 524 via Near Field Communication (NFC) reader device 507, wherein based on retrieved identity, connecting user with place, automatically sharing user associated one or more types of selected data or displaying user associated one or more types of data for user selection and sharing with connected place or place associated device(s) and one or more selected person(s) or one or more selected nearby connection device(s). In another embodiment wherein user data comprises user’s one or more types of identities including unique identity, phone number, email address, name, photos, videos, face identity, voice identity, fingerprint records, contact information, one or more types of address and location information including home address, office address, place or service provider associated liked, subscribed, ready to order products and services, place associated liked person or staff or service provider, identified or named place or type of place associated selected ready to order list of products and / or services special instructions and required or liked type of services, user’s or family member’s one or more types of shoes or cloths related measurements with automatic conversions as per type of measurements favorite color(s), different types of category ror type or named place related interests, preferences including food preferences, tastes preferences, auto order of liked food items related to particular place, health reports, family memebers information, profile data including age, gender, height, weight, education details, skills details, income range, travel preferences including destinations, flight, days and timings, restaurants, tourist places, food sources, job profile, business profile, social network profile, credit profile, payments profiles, ranking certification, received One time password (OTP), destination, locations & maps, and user related one or more types of data and contents.

[0196] In one or more embodiments, place associated merchant or business owner or admin can create new account or send registration and verification request 391 from merchant client device 300 to server 110 module 189 by providing name, mobile phone number, email and password. Serververifies email or mobile by sending one-time password (OTP). Merchant can register with the server 110 by using online website provided by server 110 or via downloading, installing merchant’s application including smart client application or progressive web application (PWA). Server 110 displaying country specific merchant registration form based on automatically identified country or selected country. In an embodiment merchant need to provide place address and place location information including enter unique place identity or unique place link or web address or uniform resource locator (URL) provided by maps including 3rd parties maps (e.g. Google Maps or Bing Maps) where said place or business is listed to identify place exists on maps including 3rd parties maps (e.g. Google Maps or Bing Maps), retrieve place associated details from listed place on maps including 3rd parties maps application (e.g. Google Maps or Bing Maps) via APIs provided by said maps including 3rd parties maps (e.g. Google Maps or Bing Maps) and in an embodiment check whether said place is verified or not verified on said maps including 3rd parties maps (e.g. Google Maps or Bing Maps) by using APIs provided by said maps including 3rd parties maps (e.g. Google Maps or Bing Maps). In an embodiment if said place is verified then automatically retrieve, import and fill maximum possible merchant’s place details from maps where said place or business is listed on maps including 3rd parties maps application (e.g. Google Maps or Bing Maps) via APIs provided by said maps including 3rd parties maps (e.g. Google Maps or Bing Maps) or in another embodiment enabling merchant to manually enter or input or select details, wherein merchant’s place of business details including place or business or store name, category (e.g. Restaurants, Bars, Coffee, Brunch, Dessert, Delivery and Takeaway, Parks, Gyms, Art, Attractions, Nightlife, Live Music, Films and Theatres, Museums, Libraries, Groceries, Beauty Supplies, Car dealers, Home & gardens, Clothing, Shopping centers, Electronics, Sporting goods, Convenience, Hotels, ATMs, Beauty salons, Car hire, Car repair, Car wash, Dry cleaning, Electric vehicle, Petrol, Hospitals & clinics, Post, Parking, Chemists), business details, address including shop / office number, street name, area / sector / village, pin code, city / town, state, tax identities (e.g. GST number), phone number, website, email address, position or geo-coordinates on map, photos, videos, logos, business hours, monthly turnover, country specific government identities, current payment methods used by merchant for accepting payments from customers, list and details of products and services offered including name, photo, video, description, price, quantity, offer including discount, deals. After providing place of business associated details merchant need to providecountry specific merchant’s bank details or provide the bank details including bank account details (e.g. Account No., IFSC Code) where merchant want to receive your money. In an embodiment verify merchant provided mobile number via one-time password (OTP). In an embodiment place associated merchant or admin provides Virtual Payment Address (VPA) or Unified Payments Interface (UPI) identity as unique identity for generating code or tag including QR code or Near Field Communication (NFC) tag. In an embodiment automatically verify said merchant’s bank details, mobile number linked bank accounts or bank account linked mobile number via relevant bank APIs or one or more types of required APIs provided by authorized 3rd parties. After verification merchant agree with terms and conditions and link bank account. In another embodiment server 110 match address and / or phone number linked with bank account with said provided place of business associated address and / or mobile phone number. In another embodiment server 110 generates unique payment webpage link or unique uniform resource locator (URL) or trackable unique uniform resource locator (URL) for said registered merchant based on website uniform resource locator (URL), options selected by merchant including merchant want’s customer redirect to payment webpage or merchant wants to integrate link of payment webpage with merchant’s website or webpage to enable user to click or tap on said integrated or linked or embedded Pay-via-place link or uniform resource locator (URL) to redirect to payment webpage wherein said payment webpage comprise link or uniform resource locator (URL) of merchant’s page or interface or website’s home page, so user can click on said link or uniform resource locator (URL) of merchant’s website’s home page to access features and contents of merchant’s website. After generating said link or uniform resource locator (URL) instructing merchant to copy and paste said generated and displayed link or unique uniform resource locator (URL) or trackable unique uniform resource locator (URL) in website or URL details of listed place of business on one or more maps applications including 3rd parties maps application (e.g. Google Maps or Bing Maps), so user can click or tap on said pasted or updated or inputted or added link or uniform resource locator (URL). In an embodiment merchant can integrate UI flows or pre-made UI components via Web (API) or payments APIs. Merchants application integrated payment interface for both online and offline businesses through Web, or through mobile SDKs Android and iOS to collect payments from customers, wherein payment interface is a multi-instrument payment container and allows customers to pay through UPI, Debit Card, Credit Card, Wallet, Pay via Pay Later or Pay via Installments, Pay via storeprovided custom credits, Points, Crypto currencies and other payment methods and options. In another embodiment based on merchant’s preferences when user click or tapped on web page or URL associated or pasted in details of place of business of merchant, user is redirected to unique payment webpage of place, so merchant does not need to develop, maintain and host website. In another embodiment merchant can integrate said generated page including payment feature so user can click or tap on said link to make payment.

[0197] In one or more embodiments, generating for the place or place associated merchant or receiving from the place associated merchant or admin Virtual Payment Address (VPA) or Unified Payments Interface (UPI) Identity for place identity and generating code including QR code and encoding said type of place identity for creating tag including Near Field Communication (NFC) tag. Unified Payments Interface (UPI) is a real time interbank payment system that allows sending or requesting money. Any UPI client app may be used and multiple bank accounts may be linked to single app. Money can be sent or requested with the following methods: Virtual Payment Address (VPA) or Unified Payments Interface (UPI) Identity: Send or request money from / to bank account mapped using VPA. Mobile number: Send or request money from / to the bank account mapped using mobile number. Account number & IFSC: Send money to the bank account. Aadhaar: Send money to the bank account mapped using Aadhaar number. QR code: Send money by QR code which has enclosed VPA, Account number and IFSC or Mobile number. Any UPI app can use payment and transfer fund from and to UPI enabled banks. Unified Payments Interface (UPI) which is a combination of real time payments with open interfaces with an intention to replace cash, point-of-sale and wallet.

[0198] In one or more embodiments, receiving, by a server system 110 (189), a request from the application 176 of requestor client device 175 module 391 to register a place or a geofence with the server system 100, wherein request comprises at least a location information of the place or the geofence (for example Cafe-Coffee-Day Times Square NYC). In an embodiment after receiving request, registering, by a server system 110 (189), the place or the geofence by generating and storing unique identity of the place or the geofence in the server storage medium 115. In an embodiment generating, by a server system 110 (195), a code or tag including visual graphical code, Quick Response code or QR code or Near Field Communication (NFC) tagbased on the generated and stored in server storage medium 115, place or the geofence unique identity, wherein code or tag including visual graphical code, Quick Response code or QR code or Near Field Communication (NFC) tag enclosed or encoded unique identity including Virtual Payment Address (VPA) or Unified Payments Interface (UPI) identity or unique phone number or unique email address or unique account number or unique user identity any other type of unique identity. In an embodiment sending, by a server system 110 (195), generated visual graphical code or encoded unique identity to the requestor client device or in an embodiment enabling place associated merchant or admin to create encoded NFC tag based on server system 110 (195) provided encoded unique identity via merchant client application user interface. In one or more embodiments, user can encode tags by using application by using (NFC Data Exchange Format) NDEF data.

[0199] In one or more embodiments, acquiring image data of the visual graphical code like for example QR code 510 from a user client application 132 (Figure 4 (450)) associated QR code scanner application 200 or camera application 200 (open via clicking on icon 480) of the user client device 130 (200) of the identified user 101 with aid of optical detection apparatus 240 / 244, wherein the image data is acquired by capturing an image of the visual graphical code including QR code 510 displayed on the display screen or in-place printed or other form using an imaging device or application 535 operably coupled to the user client device 200 and configured to optically detect the visual graphical code or decode the visual graphical code. In an embodiment processing said image data to extract and decode the place identity. In an embodiment based on the identified place identity or identification information related to the place, identifying the place (for example Cafe-Coffee-Day Times Square NYC), the place account or the merchant account, the merchant application 176, the place device(s) 175 or person(s) or object(s), and the place merchant or admin 102. In an embodiment connecting identified user 101 or user application 132 or user client device 130 with the identified place (for example Cafe-Coffee-Day Times Square NYC) or place associated merchant 102 or merchant application 176 or merchant client device 175. In an embodiment enabling the connected user 101 to access connected place associated invoked interface or application and associated actions (discussed in detail in figure 6) in the user client application 132 (Figures 4 and 6) and enabling the connected merchant user 102to access or view connected user 101 related data and actions in the merchant client application 176.

[0200] In one or more embodiments, detecting that a Near Field Communication (NFC) tag reader enabled user device 130 (200) of the user 101 is brought near to Near Field Communication (NFC) tag 560 within a Near Field Communication (NFC) range of the user device 130 (200). In an embodiment in response to the detecting, establishing an NFC link with the user device 130 (200), automatically decoding or retrieving place identity information that identifies the account of the place (for example Cafe-Coffee-Day Times Square NYC) from the user device 130 (200) via the NFC link. In an embodiment sending the connection request from the user client application 132 module 293, wherein request comprise the identified place identity and the user identity information to the server system 110 module 184 for connecting identified user 101 with the identified place (for example Cafe-Coffee-Day Times Square NYC) or place associated client device 175 or online or installed application 176 in the place associated client device 175. In an embodiment after connecting via NFC tag, enabling the connected user 101 to access connected place associated invoked interface or application and associated actions (discussed in detail in figure 6) in the user client application 132 (Figures 4 and 6) and enabling the connected merchant user 102 to access or view connected user 101 related data and actions in the merchant client application 176.

[0201] In one or more embodiments, detecting user 101 voice via in-place microphone 575 for recognizing user’s voice and based on detected user’s voice identify user and user’s identity to enabling user to connect with microphone identity associated place and access place application for conducting in-place actions. In an embodiment based on detected user 101 voice via in-place microphone 575, voice biometric authentication which uses vocal information for a user to identify user’s 101 identity, wherein it relies on the user’s 101 vocal patterns to identify them and connect with place (for example Cafe-Coffee-Day Times Square NYC) and provide access to the place application 176 for conducting in-place (for example Cafe-Coffee-Day Times Square NYC) actions (discussed in detail in figures 6 and 8) based on precise voice capturing and recording device 575 and voice identification software that recognizes speech and novel patternscompared to those already recognized. It is also known as voice ID, voice identification, or voice biometrics. Voice identification confirms a voice belongs to a specific individual 101.

[0202] In one or more embodiments, receiving, by at least one server 110 (184) from a merchant client device 580, a connection request to enabling user 101 to connect with the place (for example Cafe-Coffee-Day Times Square NYC) and conduct in-store actions including order, payment transaction between a user and a merchant, wherein the connection request comprises an image of the user from merchant client device 580. In an embodiment receiving, by at least one server 110 (184) from a merchant client device 580 , a connection request to facilitating user 101 and merchant 102 an in-store actions including order, sharing, reactions, payment transaction between a connected user 101 or user client application 132 and a merchant 102 or merchant client application 176, wherein the request comprises an image of the user and place associated unique identity stored in the merchant client device 580 storage medium 115. In an embodiment comparing, by the at least one server 110 (184), the image of the user from the connection request to the plurality of images corresponding to the plurality of users to identify user’s identity and in an embodiment determine an account associated with the user; and obtaining, by the at least one server 110 (184), a user identity and from the account associated with the user a payment account information. In an embodiment connecting identified user 101 or user application 132 or user client device 130 with the identified place (for example Cafe-Coffee-Day Times Square NYC) or place associated merchant 102 or merchant application 176 or merchant client device 175. In an embodiment enabling the connected user 101 to access connected place (for example Cafe-Coffee-Day Times Square NYC) associated invoked interface or application and associated actions (discussed in detail n figures 6 and 8) in the user client application 176 and enabling the connected merchant user 102 to access or view connected user 101 related data and actions in the merchant client application 176.

[0203] In one or more embodiments, a user 101 registers one or more fingerprints where a fingerprint in machine readable form is called a fingerprint record; receiving, by at least one server 110 (184) from the in-place biometric device 590, a connection request to enabling user 101 to connect with place (for example Cafe-Coffee-Day Times Square NYC) to conduct in-store actions including order, payment transaction between a user 101 or the user client application 132 of theuser client device 130 and the merchant 102 or the merchant client application 176 of the merchant device 175, wherein the connection request comprises a fingerprint of the user, automatically matches the fingerprint at the time of connection request to registered fingerprints or comparing said received fingerprint record of the user at the time of connection request with all said registered fingerprint records to find a matching fingerprint record. In an embodiment based on the identified fingerprint record, identifying the identity of the place (for example Cafe-Coffee-Day Times Square NYC), the place account or the merchant account, the merchant application, the place device(s) or person(s) or object(s), and the place merchant or admin.

[0204] In an embodiment connecting identified user 101 or user application 132 or user client device 130 with the identified place (for example Cafe-Coffee-Day Times Square NYC) or place associated merchant 102 or merchant application 176 or merchant client device 175. In an embodiment enabling the connected user 101 to access connected place (for example Cafe-Coffee-Day Times Square NYC) associated invoked interface or application and associated actions (discussed in detail n figures 6 and 8) in the user client application 176 and enabling the connected merchant user 102 to access or view connected user 101 related data and actions in the merchant client application 176.

[0205] Figure 6A and 7 illustrates an exemplary user interface of place. After connecting with place or place merchant client application or place client device by employing one or more inventive methods or systems as discussed in figure 5, automatically displaying place application or place interface 601 or 690 for enabling user to conduct in-place actions for various tasks, wherein sending request from the user client application 132 module 297 to server 110 module 188, wherein request may comprises access connected or selected place or place associated persons, objects, devices associated interfaces, actions, functions, applications, data, user place profiles, posts, action update & status, transactions, products / services order, offers, place QR code, place profde, logs, and other data.

[0206] In one or more embodiments, Figure 6A illustrates an exemplary payment user interface 618 of the displayed place application or place interface 601 of user client application 132 (200) of the user client device 130. The user can visit and connect place and make verbal order at counter of the place. Merchant or staff person at sales counter input or select order on behalf of user ofcustomer 101 in the merchant client application 176 and send or push calculated total billed amount or detailed bill from the merchant client application 176 to the user client application 132. The user interface 618 displays pushed billed amount (amount owed by the user) 615 by the in-place merchant or admin or staff via merchant client application 176 of the merchant client device 175 (300). In another embodiment merchant 102 directly tell amount to customer or user 101 to make payment of total billed amount. User can enter amount 615 and use pre-set or default account 610 or change or update 612 and select payment account from list of added payment accounts or add new payment account and select account and click or tap on pay button control 620 to make payment of said amount 615 from said user’s 101 payment account 610 to said connected merchant’s 102 payment or bank account. The user may select one of the payment methods 612 such as wallet payment, credit card, debit card, online payment, Unified Payment interface (UPI), for completing the transaction. In an embodiment user can send a request to the merchant client application to update or change the pushed billed amount with details or notes for getting corrected billed amount of payment in the payment interface 615.

[0207] In an embodiment user can view connection with place details 607 including date and time of connection, number of visits, view past visits logs including past purchased or ordered or favorite or bookmarked products and services, discount, reactions, notes, accompanied conceptions.

[0208] In one or more embodiments, after connection based on settings, automatically share details with connected place and associated actions, wherein details including user’s identity, privacy settings, profile information including mobile phone number, name, photos, videos, address, contact information, user connections, reactions.

[0209] In one or more embodiments, after connecting with connected place (for example Cafe-Coffee-Day Times Square NYC) 605, user can make order directly from the connected place 605 associated application or interface. For example, user can tap on “Order” button 622 or “Favorite Order” button 626 to navigate to the list of available items or products or services interface Figure 7 (720) and select one or more items or products or services (e.g. select 701) and make order 730 or in various embodiments user can make order by scanning sample products displayed in-place by using user client application associated camera application or make ordervia voice and voice command or call in-place order person and make order which recorded and automatically selected in list of order items in user client device application for enabling user to make payment or make order via sharing image or text list, and select type of order including delivery at default or updated address 731 or takeaway 732 or consume at store 733 (e.g. select 733) and select booking / schedule order 734. In an embodiment based on structured order automatically calculate billed amount and display billed amount in payment user interface 615 for enabling user to with one tap on option 620 to make payment of billed amount. In an embodiment user 101 can make total billed amount 740 payment of order by tapping “Checkout or Pay Bill” 750 by using selected payment account 610 of user directly from user client application 132 of the user mobile device 130 to connected place associated merchant’s payment or bank account. In an embodiment, enabling user to share one or more types of user details with the connected place merchant or merchant client application and in another embodiment based on privacy settings, automatically share one or more types of user details based on name of place, type of place, rules, wherein user details including one or more types of contact details including phone number(s), email address(es), delivery address, photos, videos, user voice files, stored user’s fingerprints records, images, full or part of one or more types of profile details, posted place associated contents, status and updates of place associated actions, user identity, payment account details. In another various embodiment user can make order via sharing list of required products and services, order via voice, order via sharing image which system converts to text or record by employing Optical Character Recognition (OCR) technologies, share received items from other sources including medicine prescription, requirement specifications from customers or connections, share from connected systems, applications, devices, storage mediums, and networks. In another embodiment merchant can view connected user’s statistics and analytics in the merchant application 176 and can articulate one or more custom offers for user and share with user which user view from notification or by tapping “Offer For You” button 628. In another embodiment user can opt for and manage 630 virtual customer card, view, avail and claim offers and redeem points associated with place or use global points which works with one or more type or named or all places. In another embodiment connected user 101 can make call 632, send and receive messages 634 and use walkie-talkie for communicating including make order, share voice order message, ask queries with connected place associated one or more authorized persons as per place associated privacy settings or selected staff person(S) fromdynamically displayed list of place associated contextual persons relevant to user, wherein displaying contextual list of person(s) based on assigned or scanned or booked table, type of customer card, selected counter number or department name, type of task and action, type of order, amount of purchase, past number of times and total amount of purchases of products and services. In one or more embodiments enabling place connected user 101 to view various types of status and notifications including order placed, order in process, expected order completion time, assigned waiting queue number, current queue number, expected time of waiting, assigned table / seat number, order is ready, scanned table or seat number, payment bill, payment confirmation, provide reactions instruction, redeem point reminder, action status and updates notifications, voice notifications based on privacy settings by selecting option 638. In various embodiments user can view real-time posted current posts by selecting option 640. In one or more embodiments, connected user 101 with one tap on 642 becomes member or participate in the event or become subscriber of place and get customer virtual card by automatically sharing required details by selecting option 642. In one or more embodiments, user 101 can view details (name, photo, location, expected time to arrive at place, profile, relationship, past invitations) of nearby connections by selecting option 644 and invite one or more nearby connections to visit to the place and join with the user and in the event of acceptance of connection, displaying the list of accepted invitations by connections and display status (arriving via, updated expected time to reach, pre-order) of each invitation accepted connections. In one or more embodiments, enabling connected user 101 to select available table(s) / seat(s) and book or schedule book or reserve by selecting option 643. In another embodiment enabling user to add number of person(s) in queue and view token number, expected time of waiting, in the event of number view assigned table(s) / seat(s) number(s) on visual place maps by selecting option 645. In one or more embodiments, enabling user to follow place and get updates from the place by sending request to follow page from user client application 132 module 296 to server 110 module 187, via selecting option 647. In one or more embodiments, enabling connected user 101 to take one or more reactions from displayed custom reactions including like, love, wow or select like or love or wow and select product(s) or service(s) or person(s) name(s) or scan item or product or person and like recognized item or product or person by using augmented reality scan interface or camera application or speak reaction by selecting option 646 and enable to provide voice comments by selecting option 648 which based on privacy settings of user as well as merchant and afterapplying of voice filters, speak by place associated or connected smart speaker device. In one or more embodiments, enabling user 101 to select one or more or all contacts or connection and refer place or place associated selected one or more products and services and share one or more types of reactions by selecting option 650 and created place related post by selecting option 652. In various embodiments, based on wizard-based selections, enabling user to automatically create post which user can share with selected one or more all connections of user by selecting option 652, wherein wizard-based selections composes user’s in-place one or more photos, videos, reactions including liked products, services, place attributes and people, voice or text comments, place details including name, location, ratings. In various embodiments monitoring and tracking place visits by user referred connections and amount of purchases or order of products and services as per settings including up-to pre-set duration of time and based on that provide place redeemable points to referrer user 101.

[0210] In one or more embodiments, enabling connected user 101 to provide voice commands initiating directly from the application or selecting icon 654, wherein voice commands including voice order to place merchant client application 176, select action from displayed actions 601 via voice and select or input via voice including input amount, instruct to pay, call person via voice wherein in the event of call named or role associated in-place person, sending request to in-place staff including sales person, order taker, cleaner, helper, owners, manager, cashier, cook, server, guide, watchman, delivery boy associated application on their client device, select or provide voice reactions and voice comments, ask queries about available products, services, price, required details.

[0211] In one or more embodiments user can use augmented reality scan by selecting option icon 656 and scan, by using user device camera application or augmented reality scan application, object to identify object based on employing object recognition technologies and select one or more types of actions and reactions from the displayed actions and reaction controls including like, love, wow, comments, ratings, share associated detail or refer scanned and identified product or item to one or more selected connections of user. In another embodiment user can scan person and identify person based on face and body parts recognition technologies and view scanned person associated details and select one or more types of actions and reactions from thedisplayed actions and reaction controls including like, love, wow, comments, ratings, provide tips, bookmark and comment and communicate and conduct one or more actions.

[0212] In one or more embodiments user can use live video streaming option 658 to in-place broadcast live video with products and accompanied connected one or more connections of user and publish to all or selected one or more connections and connections of accompanied connected one or more connections of user.

[0213] In one or more embodiments user can make collaborative messaging or voice or video call by selecting option 660 to selected one or more in-place staff persons from list of connected relevant or user contextual in-place persons 770 or one or more user’s connections and discuss queries related to price, availability, details of products and order, select products and add to order, make order and make payment (discussed in detail in figure 9 (955)).

[0214] In one or more embodiments user can connect in-place accompanied connections by selecting option 662 and accessing associated interface for selecting in-place nearby place connected user connections 751 / 752 and select “Connect” button to connect with them or connect with their place application by sending request from user client device 295 to server 110 module 186 for getting order, book or reserve table, get instruction from them, receive contribution of billed amount, receive reactions on place, in-place ordered or consumed products, in-place staff persons and objects, add to queue, create in-place collaborative posts, participate in in-place collaborative voice or video call, live video streaming, collaborative augmented reality scan to conduct collaborative actions and reactions, collaborative voice actions for adding or removing items from order, make contribution specific collaborative payments from each participated user’s selected payment account to place associated identified merchant’s account, claim offer and redeem points.

[0215] In one or more embodiments user can connect with connect with place staff persons by selecting option 662 for invoking interface and can select one or more in-place merchant application’s authorized users 781 / 782 from list of displayed contextual in-place staff persons 770 relevant to user or user’s current action or as per user’s membership and select “Connect Selected PlaceStaff Person(s)” 789 and after connection or send invitation to connect and in the event of acceptance of request, establish connection and enable user to personally call in-place, snd and receive messages 772, make voice or video call 772, establish Walkie Talkie (Push-to-talk) connection 773 and enabling to send and receive voice messages by using cellular, cellular data or in-place Wi-Fi or Bluetooth connection.

[0216] In one or more embodiments user can view various type of status or updates 663 including current actions or task including order, ordered products collection service, waiting queue number, offer, communication, new products, searching of products, scheduled booked products, answer, complaint, invitation to and arriving of nearby connections, payment bills.

[0217] In one or more embodiments user can select option 666 to view list of in-place devices or connected devices and applications or connected devices and applications with merchant client application 790 and can select device including assistant device 762, order & payment device 761, reaction device 764, visual reactions and visual ordering display device 763, select application and connect with selected device or application including counter number specific person’s, collection service provider, product searcher, manager, owner, merchant, watchman, guide, assistant, cleaner, water provider, server, order taker, payment receiver, car parking service provider, helper, delivery person, baggage keeper, salesman, assistant, schedule booking person, cook’s application and access, take actions, provide and receive information, instruction, status and updates, communicate, ask queries, receive response including voice answers, make order, make payment, provide reactions, hear user related voice notifications including order status, payment confirmation, queue number status and assigned seat, share identity and other details with them.

[0218] In an embodiment user can select “Visual Tebeles” option 664 and visually view available tables (empty and not reserved or not assigned) and can seat at user preferred table(s) from available tables.

[0219] In various embodiments, based on connected user’s actions, place connected applications and devices, get information, data, updates, status, instruction, task. For example, in the event ofreceiving order from the user, display list of ordered products to cook, server, manager or cashier or owner or merchant in their respective connected applications including automatically installable and updateable progressive web applications.

[0220] In one or more embodiments, in the event of visiting place but non-connecting with place 673 and based on user provided identity including phone number which inputted by merchant or identified by place 673 associated merchant application or identifying user based on user device location related to place 673, enabling merchant to send invitation 670 to the user client application or automatically send notification 670 to the user client application and enabling to connect by selecting “Connect” control or button 672.

[0221] Figure 6 (B) illustrates example graphical user interface (GUI) wherein in one or more embodiments, in the event of selecting “Start” button 467 or in the event of connecting with place at place by using one or more methods as discussed in figure 5 or in the event of selecting shortcut including place shortcut 1805 discussed in detail in figure 18, displaying connected place associated customized, configured, updated, programmed, and orchestrated trigger specific contextual actions which discussed in detail in figure 15-17. In one or more embodiments, enabling authorized place admin to create, update, add one or more triggers and trigger associated actions provided by one or more source including server, one or more registered 3rd parties’ developers, actions of 3rd parties’ applications, devices, networks, access functions of Application Programming Interface (APIs), device and Operating System (OS) Application Programming Interface (APIS).

[0222] In one or more embodiments, in the event of connecting with place by employing one or more methods as discussed in figure 5, displaying place related triggers specific list of contextual actions 690 or in another embodiment display current trigger associated contextual action(s). For example, user add to queue 645 or have waiting status then display associated contextual action(s) 675 or speak status and updates including play dynamically generated voice notification including assigned token number, expected time of waiting, assigned table number(s) and instructions. User can select action or issue voice command e.g. “Cancel” action to remove user from the queue or based on waiting time user can select “Pre-order” action and select products oritems and make pre-order to save time. Likewise, in the event of in-place reservation confirmed, displaying associated contextual actions including “View Visual Place Seating Map” to view assigned table(s) number(s) and based on assigned table(s) number(s) via selecting “Auto In-Place Direction” action, direct user to assigned table(s) number(s). User can select “Al Assist” or “In-Place Person” assist action to get assistance or select Chat for messaging or make Call to discuss with in-place task associated relevant staff person(s). After reaching at table, user can further scan QR code or put user device near to NFC tag attached or putted at table to confirm about seating via Scan Table(s) / Seat(s) action. In various embodiments in the event of identifying table(s) numbers or confirmed assigned table(s) / seat(s) umber(s) via reservation or arriving of user’s number in queue, displaying order task associated contextual actions including make order by using various actions including order via selection of items, order via voice command, call order person and make order, provide order related special instructions, cancel order, update order, provide takeaway or delivery or consume at place instruction. After making order user can view order status and waiting timing, show updated bills. User can make payment via payment action and use offer and redeem points for making payment, view receipt and bill, provide reactions including like, comment, share or refer and use place voice assistant.

[0223] In an embodiment in the event of connecting with place, showing connected status 674. In one or more embodiment enabling user to disconnect place by selecting “Disconnect” button 689 / 665. In an embodiment monitoring and tracking user device current location and identifying current location associated place and in the event of current location associated place is not matched with the connected place location notifying or instructing user to disconnect place or after pre-set duration automatically disconnecting user from the current place.

[0224] In one or more embodiments, user can view selected and executed actions related various types of status, updates notifications, further actions or instructed actions, responses, instructed to provide required details in interface by selecting option 692.

[0225] Figure 8 illustrates connected user client application 290 of a user client device 130 (200) with the merchant client application 390 of the merchant client device 175 (300). In an embodiment in the event of connection, automatically connecting the merchant client application of themerchant client device with the user client application of the user client device. In another embodiment enabling the merchant to send an invitation or connection request to the user client application of the user client device and in the event of acceptance of connection by the user of the user client application of the user client device, establishing a connection and a communication session with the user client application of the user client device. In another embodiment enabling the user client application of the user client device to send the invitation or connection request to the merchant client application of the merchant client device and in the event of acceptance of connection by the merchant client application of the merchant client device establishing a connection and a communication session with the merchant client application of the merchant client device.

[0226] In another embodiment in the event of establishing a connection with the merchant client application 390 of merchant client device 175 (300), by a user client application 290 of a user client device 130 (200) or sending connection request from the merchant client application 390 of the merchant client device 175 (300) to the user client application 290 of the user client device 130 (200) or sending connection request from user client application 290 of the user client device 130 (200) to the merchant client application 390 of the merchant client device 175 (300) and in the event of accepting connection request by the user 101 of the user client application 290 or the authorized user 102 of the merchant client application 390.

[0227] The user client device 130 may be one of a smartphone, a laptop, a tablet, a wearable device including smart watch, a personal data assistant (PDA) and the like, capable of connecting to the internet and having other communication capabilities. The user client device 130 may communicate with the authentication server 135 through the communication network 125 in one or more ways such as wired, wireless connections or a combination thereof. It will be appreciated by those skilled in the art that the user client device 130 includes one or more functional elements capable of communicating through the communication network 125 to receive one or more services offered by the authentication server 135. In one embodiment of the present disclosure, the user client device 130 is an internet enabled device and communicates with the merchant client application 390, when the user device 110 is within pre-defined or determined geofence associated with the place of business of merchant in close proximity to themerchant client application 390, to exchange data and hence builds a temporary personal area network.

[0228] In another embodiment of the present disclosure, the user client device 130 comprises a payment application 290 which enables a user to register with the system 100 by providing necessary registration credentials. The registration credentials may include a user name, password, contact details, payment details, and the like. Upon successful one-time registration, the user may utilize the payment application to make payment to any of the merchant who uses the merchant client device 175. During operation, when the user launches and interacts with the application 290, for example, when the user selects an option “Pay” 893, the payment application identifies user connected or selected place of business associated merchant client application 390 of the merchant client device 170 or searches for merchant client application(s) 390 or the merchant client device(s) 170 nearby and enable user to select and connect with selected e.g. merchant client application 390 of the merchant client device 170 and establishes a connection with said selected merchant client application(s) 390 or the merchant client device(s) 170.

[0229] The communication network 125 may be a wireless network or a wired network or a combination thereof. Wireless network may include long range wireless radio, wireless personal area network (WPAN), wireless local area network (WLAN), mobile data communications such as 3G, 4G, 5G or any other similar technologies. The communication network 125 may be implemented as one of the different types of networks, such as intranet, local area network (LAN), wide area network (WAN), the internet, and the like. The communication network 120 may either be a dedicated network or a shared network. The shared network represents an association of the different types of networks that use a variety of protocols, for example, Hypertext Transfer Protocol (HTTP), Transmission Control Protocol / Internet Protocol (TCP / IP), Wireless Application Protocol (WAP), and the like. Further the communication network 120 may include a variety of network devices, including routers, bridges, servers, modems, computing devices, storage devices, and the like. In one implementation, the communication network 125 is internet which enables communication between the user device 130 and the authentication server 135 and enables communication between the user device 130 and the merchant device 175.The authentication server 135 may include, for example, a computer server or a network of computers or a virtual server which provides functionalities or services for other programs or devices such as for the user device 130 and to merchant devices, if any, for example, mobile device. In one implementation, the authentication server 135 is a cloud server comprising one or more processors, associated processing modules, interfaces and storage devices communicatively interconnected to one another through one or more communication means for communicating information. The storage associated with the authentication server 135 may include volatile and nonvolatile memory devices for storing information and instructions to be executed by the one or more processors and for storing temporary variables or other intermediate information during processing.

[0230] In one embodiment of the present disclosure, the authentication server 135 comprises a database that comprises information pertaining to one or more merchant client devices, wherein the information may include but not limited to, merchant client device ID and merchant information associated with the merchant client devices. As described, the merchant information comprises, but not limited to, merchant name, merchant address and contact details, location of the merchant client device (i.e., pre-configured region within which the merchant client device is operational), type of business, information pertaining to financial entity associated with the merchant such as merchant account number, branch, account type, etc. Further, the database maintains a record of information pertaining to the one or more user devices, wherein the information may include, but not limited to, user device ID (or payment application ID), user login credentials, user contact information such as phone number, email IDs, etc. That is, when a merchant subscribes for the system, the information pertaining to the merchant client device is recorded in the authentication server 135. Similarly, when a user installs payment application 290 and registers with the system, the information pertaining to the user device is recorded in the authentication server 135. Hence, the system 100 provides a transaction platform for the subscribed merchants and the registered users to execute and complete the transactions.

[0231] Typically, in a merchant environment, there may be one or more of merchant client devices and one or more user devices. In such a scenario, a user who intends to pay selects merchant device id or counter number pasted at physical place on device or store counter with which the user isexecuting the transaction. Then a connection is established between the user device and the merchant client device via internet network. The manner in which a connection is established between the merchant client device 175 and the user device 130, and the transaction is completed is described in detail further below.

[0232] In another embodiment authorized user of merchant client application can select current customer in queue at particular counter number associated point of sale (POS) which the merchant is scan and add purchased products, prepare bill or totaled amount of said scanned or added products and executing the payment transaction. Then a connection is established between the said authorized user of merchant client application and user device via internet network. The manner in which a connection is established between the merchant client device 175 and the user device 130, and the transaction is completed is described in detail further below.

[0233] In some other implementations, the merchant client device 175 lists one or more nearby user devices thereby enabling the authorized user of merchant client application of the merchant client device to select one of the user devices for completing the transaction. That is, once the merchant client device 175 is connected with the user client device as discussed above and throughout the specification, further establishing second connection with the merchant client device 175 (300) which are in close proximity based on the broadcasted presence by merchant client device by means of a custom Bluetooth TM profile thereby enables a user client device 130 (200), which is in close proximity to the merchant client device, to establish a second connection with the merchant client device 175 (300), wherein Bluetooth signal strength is greater than threshold) to the merchant client device 175 write a handshake signal thereby enabling the merchant to order the nearby users in queue and select one of the user devices. Upon selection by the merchant, a connection is established between the merchant client device and the user device for completing the payment and hence the transaction. The user device 130 fetches the payload for the transaction from the merchant client device 175 or the merchant client device 175 sends or share or presents the payload for the transaction to the user client device and communicates the pay load for the transaction to the authentication server 135 via the communication network 125, wherein the payload for the transaction comprises encrypted payment information. It has to be noted that, once the connection is established, the user device130 may fetch the payload for the transaction from the connected and selected merchant client device in the pre-defined geofence associated with the place of business selected by user on the maps.

[0234] Further, the payment application displays “checkout or pay bill” option 820 enabling the user to accept reception of payload for the transaction. Once the user clicks on “checkout or pay bill” option, the payment application fetches the payload for the transaction from the merchant client device 175 and communicates the same to the authentication server 135.

[0235] Figure 8 illustrates an exemplary user interface 860 of the user client application 290 (200) of the user client device 130. The user interface displays 860 the merchant client device ID, merchant name 899, bill or invoice 894 and bill mount (amount owed by the user) 895. Further, the user interface 820 provides “confirm” option 891 and “cancel” option 892. Clicking on “confirm” option 891, the payment application navigates the user to payment page 850 of user interface 882 where the user may select one of the payment methods 880 / 884 such as wallet payment, credit card, debit card, online payment, UPI etc., for completing the transaction. On the other hand, the user may cancel or reject 892 the transaction by clicking on the “reject” option 892 or the user may payment of said amount from default account by clicking on “confirm and pay” option 893 or send request to update or change bill or amount with details or notes.

[0236] Figure 8 (A) illustrates after establishing of connection between user 101 via user client application 290 with merchant 102 via merchant client application 290, merchant or authorized or logged- in user having rights to access merchant client application 101 can view said connected user’s or customer’s details including avatar or photo or image or video or animation or graphical representation of connected user (801 / 802 / 803), name, activity details and status, date & time and triggered event, associated call-to-actions, and statistics (810 / 812 / 814), wherein status comprises user 101 arriving or entering at said connected merchant’s 102 place of business 601 / 661, wherein merchant user 102 sends log-in request from the merchant client device 176 module 392 to server 110 module 190, wherein request comprises user name and user password and in he even of matching user name and password, allowing by the server 110 module 190 access merchant client application 176 and enable to connect with customers.Customer who made advance order remotely or online and wants to take away 1092 as per schedule date time or currently arriving at store or place of business to take away 1092 or have scheduled booking 1094 shows estimated time & distance to arrive, show customer’s route from source to arriving at store on map, if said user or customer booked table 1094 then display booked table number and associated date and time, number of persons. Merchant application 390 displaying arrived or entered status, current status of table (if booked), estimated waiting time. Merchant application 390 shows order details including customer name, ordered products and / or services, quantity, amount or price, status, activity and status name a details statistic (810 / 812 / 814). Merchant application 390 automatically sends welcome message on user client application 290 or merchant can send custom welcome message to said arrived user or customer. Merchant application 390 displays ordering status of said connected and arrived or entered user (user can manually order or select item(s) from menu or select products or services from catalogues and consume at store 1093). Merchant can establish communication session 822 / 823 with user or user establish communication session 872 / 873 with merchant to make order, ask queries, provide instruction and customization request. Merchant or authorized staff can view order details including name, quantity of ordered products and / or services, selected option including delivery 1091, takeway 1092 and eat at or booking details including date and time, number of persons, table number, and payment details including amount, payment method, date and time of payment, payment status including payment pending or done, updated order details and manually set ordered status 825 or automatically set ordered status based on providing order by user from user client application 290. Merchant can provide approximate waiting time 821 and order status 825 including order accepted or rejected, order pending, order done or order ready, order updated, order served or delivered to customer of delivery person. Merchant can share or sent or push bill or updated bill or invoice 827 for said user or customer’s approval including accept bill and make total billed amount payment or reject bill or request to change bill. After making of payment by user, merchant’s application 390 can displays payment done status.

[0237] Merchant can view length of duration of dwelling in store or place of business by said customer. Merchant 101 can provide offers 824 including coupon code, gift card, membership, redeemable points, discount or free items or samples on next visit, provide rule based offer e.g. if advance book or number of persons or amount or festival then provide offer), cross sell or up sell with customer, ask customer about customer’s next visit, refer friends or contacts. Merchant canprovide one or more types of reactions 828 including like, rate, comment, get feedback or complaint or survey, take call-to-action from user including get contact information, request to follow or add to favorite. Merchant can view “Exit” status of user. Merchant can communicate with user if need e.g. remind for pending bill, forget phone and like. In an embodiment enable merchant 102 to disconnect 826 with selected connected customer or user 101 or user client application 290.

[0238] In an embodiment Figure 8 (B) illustrates after establishing of connection between user 101 via user client application 290 with merchant 102 via merchant client application 290, displaying user’s avatar 870 or profile photo or video or image or animation or graphical representation of user 870, user name, activity and status details including type, name, date and time, ordered product details, and statistics 865 associated with said ordered place or user visited place 899, make order, view provided order, update order or view updated order details, view current order status. Connected user 101 can communicate 872 / 874 with connected merchant 102 via user client application 290, claim offer 874, disconnect with connected merchant 876, view pushed or received or presented bill or invoice 877 / 894 or total billed amount 895 and can accept 891 or reject 892 or confirm and pay 893 said billed amount 894 / 895 or cancel or ignore bill or request to change or update bill or invoice 877 and in the event of accepting of said bill or invoice, automatically make payment of said billed amount from said user’s 101 account to said connected merchant’s 102 account, provide one or more types of reactions including like, dislike, rate, comment, feedback, complaint, suggestion, fill survey forms, buy merchant presented products and services 880 and provide table and seat number 882 by viewing table and seat number pasted or putted on the table.

[0239] In an embodiment identifying entering or arriving status of said user in said merchant’s place of business or pre-defined geofence associated with said place of business based on sufficiently matching location of said user’s monitored and tracked user client device 130 (200) with selected place on maps associated identified location or selected place on maps associated uniform resource locator (URL) associated location, wherein location of place of business comprises geocoordinates, pointer on map, address, geocodes and pre-defined geofence on maps associated with said selected place on map associated identified merchant.In an embodiment user 101 can make manually order or collect items manually from store (e.g. via physical trolly) and scan and add said products (e.g. via point of sale (POS)) at counter of merchant 102 by merchant staff, wherein in the event of selecting “connect” 1056 by customer 101 from user client application 290 of user client device 130 (200), connecting said user client application 290 with said merchant client application 390 or in another embodiment based on settings including store specific settings automatically connect user client application 290 with said merchant client application 390 based on sufficiently matching location of said user’s monitored and tracked user client device 130 (200) with said selected or entered and dwell for pre-set duration place on maps associated identified location or selected place on maps associated uniform resource locator (URL) associated location, wherein location of place of business comprises geo-coordinates, pointer on map, address, geocodes and pre-defined geofence on maps associated with said selected place or entered or dwell for pre-set duration in place on map associated identified merchant. In another embodiment total billed amount or entered amount or final payment amounts and payment data from the user client application of user device goes directly to the processor for payment authorization. The authorization response from the processor is sent directly to the point of sale (POS) terminal the point of sale (POS) terminal then forward the results to the point of sale (POS) software and confirmation of payment or payment request results can be transferred automatically to the merchants retail management system or the point of sale (POS) software to separates the point of sale (POS) from payment. Once the gateway authorizes the transaction, it issues a call to the POS system, informing it that the original sale request has been fulfilled and the payment has been successfully made.

[0240] After connecting with user client application 290, merchant can view name, photo(s) / video(s) of said user and identify current customer in queue (or automatically sort or order customers or identify user based on calculating nearby or nearest location of user devices in queue). After identifying current customer, merchant 102 can select customer from list of customers and can sent or present or push bill or invoice or total billed amount (after applying offer (e.g. discount), gift card, points, store credit, tax and like) from merchant client device 175 (300) to user client device 290 (200) via server 110 module 190. User client device 290 (200) can view said receivedbill or invoice and can accept or reject or cancel or ignore or request to update or change bill or invoice (provide reason to change bill or invoice). In the event of accepting (confirm and pay) 893 said received bill or invoice, automatically make payment of said billed amount 895 from said user’s account 896 to said connected merchant’s account. In another embodiment merchant 102 directly tell amount to customer or user 101 to make payment of total billed amount. User can enter amount 883 and use pre-set or default account 884 or change or update 885 and select account from list of added accounts 885 or add new account and select account 885 and click or tap on pay button control 886 to make payment of said amount 883 from said user’s account to said connected merchant’s account.

[0241] In an embodiment user can self-checkout 875 in-store collected and purchased items or products by scanning products via user client application 390 from user client device 130 (200) and make payment of total billed amount (apply offer (e.g. discount), gift card, points, voucher or coupon code, store credit, tax and like) from user selected payment method or payment account to said store associated connected merchant’s account. Connected merchant client application 390 can view said added or purchased and scanned products and associated details including product or item name, price, quantity, applied redeemable points, coupon or voucher code, tax and like, total billed amount, user status including enter and dwell (shopping) in store, scanning and adding products, checkout and made payment, payment status including pending payment, requesting discount or negotiation or problem in applying discount or codes or making payment. At exit gate staff of merchant or authorized user of merchant client application 390 (300) can view and manually check added items or products and provide clearance indication to said user or tell user to add forgetter items or products and make pending payment. In another embodiment based on past purchases, number of times and / or total amount of purchase, current amount of purchases, types of items or products, user profile accessed from one or more linked or connected system, service, servers, databases and service providers including user profile from server 110 database 115, merchant can authorized said user to self-checkout or self-checkout and also exit from store without security check.

[0242] In an embodiment in the event of exiting from the location or geofence of the place of business by connected user client device 130 (200) and non-payment of billed amount, notifying said userclient device 13 (200) about non-payment of billed amount with details 895 and enable to make payment by clicking or tapping on payment button or control 893. After notifying about said pending payment and non-payment of said pending billed amount within pre-defined duration, instruct user to make payment at the time of making payment to / in next place else disable application which disallow user to use application or make payment at / in / for / to next place associated merchant’s account.

[0243] In another embodiments in the event of exiting from the location or geofence of the place of business by connected user client device 130 (200) and non-payment of billed amount, based on user 101 provided automatically make billed payment while exiting from any or selected or selected types specific place(s) settings via user client application 290 of user client device 130 (200), automatically make billed payment amount 895 from said user selected or pre-set or default payment account 896 to said place or location or geofence of the place of business associated or said place or said location or geofence of the place of business associated clicked or tapped or selected uniform resource locator (URL) associated merchant’s account.

[0244] In another embodiment in the event of making payment to wrong place or other place associated merchant, enabling said other place associated merchant to notify user and revert said payment to user’s account and enable user to select right place and make payment to said right place or further selected place associated merchant’s account.

[0245] Figure 9A illustrates graphical user interface for enabling user to provide privacy settings for making automatic payment at selected places or make in-place payment via automatic payment method.

[0246] In one or more embodiments, enabling user 903 (101) to search 905 places by inputting or selecting search query 909, select place 906 from the list of categories places, search, sort, filter, search nearby, and select place(s) from maps application by selecting option 907 or select type of places 930 or select type of places 930 with one or more filters including bookmarked or liked places 931, nearby places 932, frequently visited places 933, rank 934, having custom offer for user 935 or select all or selected bookmarked or liked places 931, nearby places 932, frequentlyvisited places 933, having particular rank 934, having custom offer for user 935 and any combinations thereof and filter or select places 911 / 912 from displayed list of places 915 which accepts payment by pay via automatic payment option. In one or more embodiments, enabling user 101 to select and set or apply or save privacy settings related to pay via automatic payment option, wherein privacy settings includes select maximum payment amount per transaction 921, start date 922 and end data 923, select payment confirmation required from user 926, select one or more communication methods including notification, email, message, SMS and phone call 925 to notify user payment confirmation notification or message with one or more actions including confirm payment or cancel or reject payment or turn off pay via automatic payment option or view detailed bill or report or communicate with transaction associated merchant, wherein notification comprises place name, purchased products and services, transaction date and time, payment amount. In one or more embodiments, enabling user 101 to select and set or apply default payment method 954 from list of added payment methods for making payment via pay via automatic payment method. In one or more embodiments, enabling user 101 to add or change 951 and save 952 one or more payment methods. In one or more embodiments, enabling user 101 to turn on or turn off 908 pay via automatic payment option for all selected one or more places or type of or filtered places. In one or more embodiments, enabling user 101 to save 953 selected or set or applied or updated privacy settings for selected all or one or more places for make automatic payment or use pay via automatic payment option at selected places as per said applied updated privacy settings.

[0247] In one or more embodiments, enabling places or merchants to apply for accept payment by pay via automatic payment option or method and based on verification, allowing or not allowing merchant to offer to their customers accept payment by pay via automatic payment option or method, wherein allowing merchant to offer accept payment by pay via automatic payment option or method based on place or merchant profile, customer ratings and reviews, conducted amount of transaction, number of years old, number of users select place for pay via automatic payment method, verification of place, merchant, merchant devices by employing one or more verification technologies, acceptance of terms and compliance standard by place associated merchant. In one or more embodiments, enabling places or merchants to select or apply privacy settings or opt for or turn on or off accept payment by pay via automatic payment option ormethod. In one or more embodiments, enabling place or place associated merchant or admin to get autopay mandate from the customers on their respective mobile devices or user client applications who selected said place for making payment via automatic payment method via sending notification on user client device, user client application, link via SMS and in the event of opening notification or associated link, displaying interface for enabling receiving user to select pay with Unified Payment Interface (UPI) identity or Virtual Private Address (VPA), input or select or enter Unified Payment Interface (UPI) identity or Virtual Private Address (VPA) e.g. user@upi which verify by system and show checked if available or exist with right sign icon, select user terms, agreement or confirmation via selecting check box that user is setting up a UPI based place automatic payment mandate and allowing use to proceed for next step in which user will receive a UPI automatic payment mandate request notification on user’s UPI application, wherein notification may comprise “Merchant has shared a UPI Automatic Pay Mandate request on your UPI enabled App”. User can select or tap on said received notification to open user’s UPI enabled application and enter 4 digit pass code, check the details of mandate including place details like place name, logo, address, location, ratings, number of users select place for pay via automatic payment method, maximum amount allowed per visit or transaction, validity date (From-To) or up-to turn off, send confirmation to pay option available, details of all or particular events of automatic payment including while in-place, while exit from place, any time after order or purchase or consumption of products, after takeaway, after successful delivery of products (like cash on delivery), automatically after confirmation or serving of order or getting indication or identifying exiting of place by user based on place location and user device monitored current location. User can apply one or more privacy settings and select one or more payment methods. User can accept the terms and approve to proceed, enter the UPI PIN to authorize the UPI automatic payment mandate and display or send notification that UPI automatic payment mandate creation towards said <named place> merchant is successful. User can check further details in active UPI automatic payment mandates for making changes or updates via change settings or can turn ON or Off option. Based on settings user can get payment confirmation notification that “<e.g Rs.1000> has been debited from <your or user name> account towards Mer chant@bankname” .In one or more embodiments user can provide various types of required permissions to application including allow to monitor and access location information continuously or while turn on. In one or more embodiments user can apply one or more additional privacy settings including allow up-to maximum pre-set amount else confirm from user, Up-to maximum pre-set amount of particular type of places (e.g. restaurant max. Rs. 5000, cloths Rs. 25000, excluded type or named places, selected type or named places only, particular type of profile of places, particular rank or range of rank places only, frequently visited place and like.

[0248] In one or more embodiments, identifying, identity of user 101, wherein identifying, identity of user 101 based on selecting 807 user 101 from displayed users 802 by merchant from the merchant device 175, wherein displaying user 101 details including user name, identity, photo(s), video(s), phone number, email address, address in the merchant client application 175 based on monitored user device 132 current location, identifying location associated identified place (e.g. Cafe-Coffee-Days, NYC) and detected that user 101 dwelled at said place (e.g. Cafe-Coffee-Days, NYC) for pre-set amount of time or identifying, identity of user 101 based on recognizing face of the user 101 by using camera device 1005 and face recognition technologies, recognizing voice of the user 101 received from the microphone 1021 based on voice identity or voice biometrics, receiving voice identity including phone number from the user 101, receiving fingerprint of the user 101 by using fingerprint scan device. In one or more embodiments, sending request, to the server 110 module 188, to identify, identified user 101 associated privacy settings 915 / 924 / 950 related to automatically making of bill payments to said identified place, wherein request comprises identified identity of user, billed payment amount and identity of place or merchant. In one or more embodiments, based on identified privacy settings including identified that user has selected said identity associated place (e.g. 912) for allowing merchant to get billed amount payment from the user via automatic payment method and checked associated one or more privacy settings including billed payment amount is less than or equal to the maximum amount 821 allowed to pay via pay via automatic payment method to said selected place (e.g. 912), automatically debit identified billed payment amount 1011 from the user’s preset or default payment account to the merchant’s payment account or bank account and notifying the user 101 on the user device 130, payment confirmation notification. In one or more embodiment, receiving, by the speaker device 1020 of the device 1000, payment confirmationnotification and generating by the device 1000, voice payment confirmation notification and speaking or playing or audio outputting by the speaker device 1020 of device 1000, voice payment confirmation notification.

[0249] Figure 9B illustrates graphical user interface for enabling user to select one or more triggers or event in which user wants to make automatically payment of identified billed amount from the default or pre-set user payment account to the identified merchant payment account

[0250] In various embodiments user can contactless provide user’s identity via various ways (use of user’s identity in Auto Payment Bank Account further discussed in detail in figure 9G) by creating various types of identities and select and allow to provide one or more types of user identities and share one or more types of user details including create face identity 931 by providing one or more photos or videos of user’s face or body parts via user device or in-place or in-vehicle device camera application to the server module which stores received one or more photos or videos of user’s face or body parts with user identity in the server storage medium and allow get user’s face identity 931 via camera application or in-place or in-vehicle device camera application and employing face or body parts recognition technologies, create voice identity 932 by providing user’s voice via user device or in-place or in-vehicle device microphone to the server module which stores received user’s voice with user identity in the server storage medium and allow get user’s voice identity 932 via device microphone including in-place or in-vehicle device microphone and employing voice recognition technologies, create fingerprint identity 933 by providing user’s fingerprint via user device or in-place or in-vehicle device fingerprint scanner to the server module which stores received user’s fingerprint records with user identity in the server storage medium and allow get user’s fingerprint identity 933 via device in-place or in-vehicle fingerprint scanner device and employing fingerprint recognition technologies, Allow to provide or share user’s identity via user device or in-place or in-vehicle device Near-Field-Communication (NFC) 934, Allow to provide user's identity via in-place or in-vehicle scanning QR code 935 or auto identifying and scanning place associated QR code 935 based on place location and monitored user device current location, Allow to share user details with in-place or in-vehicle merchant device client application 936 to allow merchant to view and select user identity or user details including user name, photo, video, wherein share user device based onplace location and monitored user device location and allow to receive order from user device or place display device or receive user’s voice order via place device microphone, or create order by merchant on behalf of user and associate order with selected user’s identity and select auto pay or in the event of confirmation of order by user or by merchant by selecting “confirm order” or “order”, automatically make payment of automatically calculated order bill amount from default or pre-set user’s payment account or automatically identified user’s payment account to identified identity associated place or vehicle’s merchant payment account, wherein payment method comprises debit card, credit card, Unified Pament Interface (UPI), net banking, payment wallet, crypto currency, redeemable points, pay via installment as per rules, pay later as per rules, pay by other, pay contribution, and one or more types of payment methods.

[0251] In various embodiments after identifying user’s identity by employing one or more technologies as discussed throughout the specification, user can make order via various ways (after order make auto payment via Auto Payment Bank Account discussed in detail in figure 9G) including select and share ordered items from user device or from place display device, via voice order, create order by merchant or staff of place on behalf of user. User can select and set and save 953 one or more triggers for automatically making payment from identified user’s default ore pre-set payment account to identified merchant’s payment account in the event of happening of said selected trigger(s), wherein trigger(s) comprise Placing or sending order 961 to place associated merchant device client application via user client device application or place order display device or place order via user’s voice by using place order device microphone, Confirm order by user 962 by selecting or tapping confirming order control including button e.g. “Confirm Order”, Confirm order by merchant 963 by selecting or tapping confirming order control including button e.g. “Confirm Order”, identifying or receiving confirmation of getting of ordered Products and Services 964 by user from user client device or place staff client device, creating order by merchant and selecting or tapping automatically making of payment control by merchant or place staff person e.g. “Auto Pay” control 961, Select or tap on auto pay enabled custom indication control including "Done" or "Check” or "End Trip” or "Pay” or “Auto Pay” 966, Based on scheduled time or expiration of set time range automatically identify end or payment required indication 980, Exit current place location or pre-define place geofence or change of location of user or user client device as per rules 967 including speed at which change of locatione.g. per second, changed location associated identified place and user device speed of change of location to identify start and end of travel in identified train or vehicle or boat or horse ride identified by electronic tag including Radio Frequency Identification (RFID) tag and pay ticket fare, Disconnect with connected place by user client application 968, Confirm by user by voice or by selecting received notification associated action control e.g. “Accept” or “Pay” or “Auto Pay” at identified place location or from anywhere remote 961, Sending or receiving of bill 970, Sending or receiving of invoice 971, Auto pay after non-receiving payment acceptance confirmation within pre-set duration from sent payment request confirmation notification 972, After generating bill or after successfully creating or generating bill from central server or Point of Sale (PoS) or trusted, certified, verified place's Point of Sale (PoS) or place or merchant’s client application or central payment account of users of network, pending payment account or created order or bill or invoice or payment due record or notification or reminder or message or in any other manner, Receive automatically making payment confirmation request or details via real-time phone call or Voice over Internet Protocol (VOIP) and accept or reject making billed amount payment via voice command or instructed voice (e.g. “Yes” or “No”) or input by user over real-time phone call or Voice over Internet Protocol (VOIP) 974, Receive, play and confirm via voice (e.g. “Yes”, “Pay”, “Auto pay”) via microphone, voice notification related to automatically making of billed amount payment confirmation request (Auto Pay McDonald amount of Rs. 250 - “Yes” or “No”) in background i.e. when user device is close. In various embodiments, to play a voice notification in the background while a user's device is closed, need to leverage the mobile device's notification system, which allows apps to send audible alerts even when the app is not actively running; this typically involves using a push notification service like Firebase Cloud Messaging (FCM) on Android or Apple Push Notification Service (APNS) on iOS, and setting up the notification to play a custom sound when received. User need to provide the necessary app permissions to send notifications on the user's device. When sending a notification, include the audio file URL or data required to play the voice notification. Users can customize their notification settings, including whether sounds play for specific apps or in silent mode.

[0252] In one embodiment a self-checkout system allows customers to scan their own items using a barcode reader, typically by passing the product barcode over a scanner, which then registers theitem and its price; the customer then places the item in a designated bagging area, where the system may verify the weight to ensure the correct item was scanned; finally, the customer pays for their items using a automatically make payment method from user’s default payment account to place associated payment account, and receives a receipt to complete the transaction. User can select trigger including self-checkout or share order list of items for enabling staff to collect as per said orderd products and in the event of finish scanning of all products that user want to purchase or user ordered products, select auto payment 976 by user or place merchant or authorized staff person or admin.

[0253] In one embodiment user can select trigger for making auto payment, Auto determine auto pay 977, wherein based on user profile, past transactions, build credits, monitored activities, actions, transactions, purchases, logs, subscribed service including auto pay insurance, automatically make eligible user for making payment via automatically make payment method. In one embodiment based on registration, verification, following standards and compliance or subscribed service including automatically make payment insurance related place or merchant to make eligible for accept payment via automatically make payment method to their customers or eligible or selected customers, wherein in the event of default of payment by one or more customers, place or merchant can get pending due or default amount based on rule-based insurance policy. A payment default means a debtor fails to pay a debt on time. It can apply to invoices, bills, pay via installments or pay later, pending dues within pre-set period.

[0254] In one embodiment user can select trigger for making auto payment, All Auto Pay Places / All allowed or user eligible Auto Pay Places 978, wherein user is able to select auto payment control or enable automatically payment to all places including all insurance enabled places or all eligible places.

[0255] In one embodiment user can select trigger for making auto payment, issuing voice command (e.g. "autopay") 979, wherein on-demand in-place identified user can issue voice command (e.g. "autopay") from place device microphone to automatically make billed amount payment from user’s default or selected payment account to place associated payment account.In one embodiment user can select play due billed payment amount audio notification and / or display in place display device, billed payment amount 937 for enabling user to view or hear payment amount for ordered products. In an embodiment in the event of playing and / or displaying payment amount for ordered products, automatically make payment after pre-set duration, so meanwhile user can request to update bill, update order, view automatically make payment confirmation notification and accept for allowing to automatically make billed amount payment from identified user’s default payment account to place associated identified merchant’s payment account. In an embodiment after automatically make billed amount payment from identified user’s default payment account to place associated identified merchant’s payment account, send voice payment confirmation notification. In an embodiment after automatically make billed amount payment from identified user’s default payment account to place associated identified merchant’s payment account, send notification or voice payment confirmation notification with one or more types of actions including refund request, report including charged more or twice, return request, refund and turn off auto pay, instant claim absed on insurance for wrongly charged billed amount.

[0256] In one embodiment user can select auto payment trigger, Allow to provide token, scan products and sent bill to user for confirmation and call user to collect purchased products 938, wherein user collect products in place (e.g. department store, grocery store, convenience store) and get token number from counter, as per token number counter person scan products and sent bill to the user for automatically make billed amount payment from the user’s default payment account to place associated merchant payment account and call user to collect scanned products.

[0257] In one embodiment user can select auto payment trigger, Order products to collect, scan products and sent a bill to the user for confirmation and call the user to collect purchased products 945, wherein the user can make order via online application or any other medium to place (e.g Grocery store) to collect and scan ordered products and sent the bill to the user for getting automatically make billed amount payment confirmation from the user and in the event of getting confirmation from the user, automatically make billed amount payment from the user’s default payment account to the place associated merchant payment account.In one embodiment user can select auto payment trigger, All insurance enabled places as per associated settings 939, wherein user can allow automatically make payment to all places having wrongly charged payment or not providing refund for wrongly charged amount or charged more than actual billed amount of purchased products and services insurance, so in the event of wrongly charge user’s payment account, user can get refund from the insurance provider’s account.

[0258] In one embodiment user can select auto payment trigger, Places which ready to refund charged more billed amount 940, wherein user can allow automatically make payment to all places which ready to refund charged more billed amount as per user’s request and after verification conduct by place.

[0259] In one embodiment user can select auto payment trigger, Places which are ready for return, refund, update bill 941, wherein user can allow automatically make payment to all places which ready to get returned products and make refund for that and update bill accordingly.

[0260] In one embodiment user can select auto payment trigger, Auto Pay Later (As per rules & schedule e.g. Monthly) 942, wherein automatically make payment later as per rules and schedule in places which provides and allow the user to automatically make payment later as per pre-set rules and schedule.

[0261] In one embodiment user can select auto payment trigger, Auto Pay via Installment as per rules 943, wherein automatically make payment via installment as per rules to places which provides and allow the user to automatically make payment via installment as per pre-set rules and schedules.

[0262] Figure 9C illustrates graphical user interface of merchant device C960 client application C950 wherein showing identified user’s details including name, photo, phone number and other details, wherein get user’s identity based on scanning of face via place device face scanner camera application by user to identify user, providing voice via place device microphone to identify voice identity, automatically show user details based on monitored user device currentlocation and location of place and select user by place counter person for creating order or associate order with selected user. After identifying user and displaying user related details in merchant device client application, manually or automatically create user related order based on selected products and services by user from user device client application or place display device client application including counter person or order taker person device (with table identity), make voice order which automatically create order based on voice to text and text to select or create record technologies, create order by place counter person on behalf of user or based on getting verbal order from user, place device microphone automatically identify products and services names, quantity and create order. After creating order automatically calculating bill including total amount of purchased products, services, various types of tax, automatically applied redeemable points, default tips, service charges, delivery charges (if user instruct delivery) and in various embodiments automatically generating and displaying ordered items details with identified and associated or selected user’s with order details C901 / C902 / C903 and automatically generating invoice, bill and based on settings or input automatically print bill or invoice with or without token number and automatically generating auto pay payment confirmation notification and automatically sending auto pay payment confirmation notification to identified user for getting auto pay billed amount confirmation from user within pre-set duration and in the event of getting auto pay confirmation from user or after pre-set duration, automatically make billed amount payment from identified or selected user’s payment account to the place associated merchant’s payment or bank account.

[0263] In various embodiments logged-in user or place or merchant or palce authorized admin can mnaully print created order, bill, invoice with or without generated token number and expected time of order, receipt details C905, select order record or identified user from list and select “Auto Pay” for automatically making payments for ordered products calculated billed amount from identified identity associated user’s default or pre-select payment or bank account to identified merchant’s default or pre-select payment or bank account. In an embodiment place merchant or admin can select “Auto Pay” only after creating and confirming order or after providing ordered products and services or after getting auto pay confirmation from the said user and in the event of successful making payment of billed amount play voice payment confirmation notification sound, share payment confirmation notification via one or morecommunication channels including mobile notification, message on message application, email, shoart message service (SMS), auto play via voice call and in an embodiment display paid billed amount on the place display for user notice. In an embodiment place associated authorized admin C905 after orders is prepared for consume at place or order packet is ready for delivery or takeaway or collected products by user or place staff are scanned and ready for takeaway then communicate C910 including make call or make auto recorded voice call or voice notification C907 to user or customer or play voice name of user or customer on place sound speaker device or display token number on display device to collect ordered products and services. In an embodiment authorized admin C905 can select identified user including name or nick name, unique one or more types of identity(ies), photo, video, voice, phone number from list of identified user details and create order C908 as per user or customer’s instruction and make order C909 and based on Automatically make Payment settings as discussed in figure 9A-9B, system or server or payment server or processor or entity automatically make payment from order associated identified identity associated user or customer’s default or pre-set payment or bank account or payment method to place associated identified merchant’s payment or bank account. In an embodiment authorized admin or place staff person C905 can ask user phone number by selecting control or button “Request ID” C9111 to ask user user’s phone number via automatically playing e.g. “Your phone number please” via palce device speaker to identify user and based on received voice of the user from the place device microphone, automatically identify user’s identity and display associated stored user details including photo(s), video(s), voice, name or nick name, saved phone number with user identity and enable admin C905 to identify and select user and create or associate order and based on user associated auto pay settings, automatically make payment from order associated identified identity associated user or customer’s default or pre-set payment or bank account or payment method to place associated identified merchant’s payment or bank account. In an embodiment admin C905 can select “Share bill, invoice, receipt, custom offer C912 with selected user(s) from list of identified user C961 / C962 / C963 and based on auto pay settings, automatically make payment from order associated identified identity associated user or customer’s default or pre-set payment or bank account or payment method to place associated identified merchant’s payment or bank account.In some embodiments merchant C905 can receive update bill C914 including request to provide discount, request to redeem points, change payment to pay via instalments or pay later as per rules, charge more including add more quantity, charged twice and enable to review update bill request and refund additional amount and reshare updated bill. In some embodiments merchant C905 can receive return and refund request C915 and enable to review request and accept or reject return request and make refund for accepted returned products and automatically make refund amounts to user’s payment or bank account.

[0264] In an example user can visit shop or store or place, provide contactless face identity C931 via place device C932 camera application C933 and in the event of identifying user based on face recognition by matching captured image C931 with pre-stored image of user at server database, displaying identified user’s associated stored details including name, profile link and identity C936 as per privacy settings provided by user. In an embodiment concurrently user can make order to counter person which creates order or make order via voice or select products from order application of device C932 and in the event of confirmation of order in an embodiment automatically print invoice C945 or select “print” C943 to print invoice C945 via print device C940 and in an embodiment view detail invoice or bill C940 and automatically make billed amount payment C941 from order associated identified identity associated user or customer’s default or pre-set payment or bank account or payment method to place associated identified merchant’s payment or bank account.

[0265] Figure 9D illustrates graphical user interface for enabling user to provide privacy settings for making automatic payment to selected sources, types, service providers, online websites & applications, entities, on demand service providers, persons or people or connections.

[0266] In one or more embodiments, enabling user 101 to search and select different types of service providers, on-demand service providers, persons, connections, online websites or applications, places including shops, stores, vendors by inputting or selecting search query D905 and search D909, select D906 from the list of categories service providers, on-demand service providers, persons, connections, online websites or applications, entities, events, and places, search, sort, filter, search nearby, and select place(s) from maps application by selecting option 907 or selecttype of service providers, on-demand service providers, persons, connections, online websites or applications, places D930 including bookmarked or liked places D931, nearby D932, frequently visited D933, as per selected rank D934, having custom offer for user D935 or select all or selected bookmarked or liked D931, nearby D932, frequently visited D933, having particular rank D934, having custom offer for user D935 and any combinations thereof and filter or select D941 / D942 / D943 from displayed list D915 which accepts payment by Pay via Automatic Payment (“Auto Pay”) option.

[0267] In one or more embodiments, enabling user 101 to select and set or apply or save privacy settings related to pay via automatic payment option as discussed in detail in figure 9A (924), add, select, and set payment method or payment account 950, select one or more payment triggers and options & settings as discussed in figure 9B.

[0268] In various embodiments, user can select on-demand service providers and set auto payment. For example, home maintenance D941 firm or entity and in the event of visiting at home for maintaining electronics devices, generates bill and share with user to automatically make billed amount of payment from user’s default or selected account to said entity’s account. In another example, individual person visits at home to provide service to repair personal computer, after providing repair service, identify service provider’s identity D984 via scanning face from camera application D986 of user device D987 based on face identity and ask payment and in the event of speaking payment amount or default amount or auto calculated amount based on start and end timer, identify or calculate amount D989 and after pre-set duration automatically make payment from user’s D903 pre-set payment account to said identified service provider’s D984 payment account. In various embodiments user can pause timer, cancel payment transaction, update bill or payment and make payment via voice commands.

[0269] In another embodiment, 3rdparties on-demand service providers can integrate Automatically make payment (Auto Pay) via Application programming interface (APIs) and Software Development Kit (SDK). Currently Uber enables user or commuter to automatically make payment from pre-set payment account based on ending of trip by selecting ending trip control e.g. “End Trip” by driver at the end of trip from driver’s device. But via Automatically makepayment (Auto Pay), user can make automatic payment to any selected cab service provider based on received billed amount from cab service provider via API integration and automatically make payment from user’s D903 pre-set payment account to said identified service provider’s D942 payment account. In another embodiment user can add and select any products or service providers and associate payment account or payment method including input or add Unified Payment Interface (UPI) or Virtual Private Address (VPA), select privacy setlings and triggers as dicussed in detail in figure 9A-9B and enable auto payment and associate one or more triggers for automatically making payment, wherein trigger comprises confirm receiving of ordered products, enter One time password (OTP), issue pre-defined voice command in background while device is closed, receive bill and after expiration of pre-set duration timer, scan face.

[0270] In another embodiment user can select type including vehicle e.g. taxi D949 and enable Automatically make payment (Auto Pay) via digital display device fare meter D972. User can view updated fare D974 and in the event of ending of trip by driver from the driver device, automatically wake up device and open or display application for enabling user to identifying user D903 (101) based on face identity D971 provided by user D903 (101) from the display device D972 face scanner or camera application D977, wherein identify identity of user based on captured photo D971 of user with pre-stored photo of user at server storage medium 115 and based on user setings (as discussed in detail in figures 9A-9B) automatically making billed fare amount payment from user’s pre-set payment account to cab driver or cab service provider’s payment account and in various embodiments automatically print receipt D985 from print device 980 or allow user to tap on print control D975 , play voice payment confirmation notification and show D976 and share notification on user device, cab attached device D972 driver or cab service provider’s device. In various embodiments identifying user based on user shared One Time Password to driver’s application, sharing and displaying user details to nearby or nearest driver device including user name, identity including phone number and photo based on monitored user device and driver device’s current location and enabling driver to select user based on user photo and identify user, identify or select user based on voice identity or voice phone number or user identity, identify user’s identity based on scanning user’s fingerprint D978 and matching with pre-stored user’s fingerprint records at server storage medium 115.In another embodiment enabling user to select parking location or place or geofence on map from listed available parking spaces and book parking space as per selected data and time. In the event of expiration of end time, automatically make parking charges payment amount from user’s pre-set payment account to parking service provider’s payment account. In another embodiment user can on-demand park at available parking space and based on monitored user device current location and location or geofence of parking space, in the event of identifying dwelling of car at identified geofence for pre-set duration, automatically start timer of parking and in the event of exit from the geofence for pre set duration ending of timer and based on start and end timer calculate parking charges and automatically make parking charges payment amount from user’s pre-set payment account to parking service provider’s payment account.

[0271] In another embodiment enabling user to make auto payment at patrol pump and gas station. User only need to provide face identity via scanning face D991 via display device D992 by using face scanner or camera application D997 to associate order with user’s identified identity D993 by sending captured D991 image of user with pre-stored image of user at server storage medium 115 and instruct to fill or select from display device or automatically determine amount, number and type of fuel including patrols or gas and in the event of filling as per instruction or auto determined amount, number and type of fuel including patrols or gas, based on monitored user device current location and patrol pump location, automatically identify change of current location vehicle and automatically send billed amount and automatically make filled amount D994 of fuel including patrol or gas from user’s pre-set payment account to patrol pump’s payment account. In various embodiments identifying user based on user shared One Time Password to patrol pump’s application, sharing and displaying user details to nearby or nearest patrol pump’s device including user name, identity including phone number and photo based on monitored user device and patrol pump’s device(s)’s current location and enabling patrol pump’s staff person to select user based on user photo and identify user, identify or select user based on voice identity or voice phone number or user identity, identify user’s identity based on scanning user’s fingerprint D998 and matching with pre-stored user’s fingerprint records at server storage medium 115.In various embodiments online websites and applications including e-commerce, subscriptions websites and applications can integrate Automatically make payment (“Auto Pay”) and enables online customers to visit “Auto Pay” enabled website D946 or D947 and can add to cart products and make order or purchase selected products and make “Auto Pay” as per user’s and website’s “Auto Pay” settings as discussed in detail over 9A / 9B & 9F, wherein user can one tap order and pay on receiving products, pay later as per user’s convenience time and payment method, pay based on time based interest, pay any part of amount upto paying interest, pay via installments, pay after using products up-to pre-set duration (in the event of return no need to pay, in the event of return and replace same or other products upto allowed pre-set duration), Pay by other user, Pay part(s) by one or more user(s) of network including connected user(s), pay after receiving confirmation from user, pay based on insurance, pay from Auto Payment account of the present network, pay based on number of persons in group deal or pay based on number of user connected persons participated or inivitation accepted user connected users in group deals, pay via redeemable points, pay based on sells, pay as per custom discount based on past purchases, past purchases from vendor within particular range of duration. Pay based on no pay lottery, pay based on surprise free, pay by other for gift (so user can buy what he / she like and pay by his / her connected or participated friends as birthday gift), pay by other anonymously without disclosing identity.

[0272] In another embodiment user can Allow selected connected users e.g. D948 or selected users of network to get requested amount from user's payment account as per user’s privacy settings 938 including max. amount, duration range, payment confirmation notification with or without payment requirement descriptions or selections from pre-created templates list for confirmation from user, successfully make payment notification via selected one or more communication methods, channels, and mediums, select payment account, turn ON or OFF a discussed in figure 9A.

[0273] In another embodiment enabling user to Automatically make payment (“Auto Pay”) to service providers including doctors, consultants, salon, event tickets. User only need to provide user’s identity by employing plurality ways as discussed in throughout the specification. User can make order and create order by service provider as per suer instruction via plurality of ways asdiscussed in throughout the specification. For example user can visit particular Salon D951 and consume services and at the end in the event of exiting place or select “Done” control by user or place admin or staff person or service provider or scanning face at in-place face scanning device to provide user identity for allowing auto pay, view identified user associated billed amount or bill details and provide checkout indication to place admin or staff person or service provider and in the event of remove face from the in-place device or in the event of remove face from the in-place device after pre-set duration, automatically make billed amount payment from the user selected payment account to place or service provider associated payment account or make auto payment as per privacy settings discussed in figures 9A-9B.

[0274] In another embodiment user can visit doctor D952 or dispensary and in the event of start consulting enabling doctor to select start control from the service provider’s client application and at the end of consume service, enabling to select end control from the service provider’s client application to calculate consumed time and based on that calculate bill or calculate bill as per visit and consumed services and medicines. In the event of selecting end control by service provider, calculating and generating bill, sending bill via one or more communication medium, automatically make billed amount payment from the user’s pre-selected payment account to the place or service provider associated payment account or make auto payment as per privacy settings discussed in figures 9A-9B.

[0275] In another embodiment user can make order online and instruct to delivery to user added and selected address and in the event of receiving order and viewing, trying, verifying, confirming received product as per user’s requirements and expectations then selecting payment confirmation control or button from received payment confirmation notification with payment confirmation action control or button or after pre-set duration automatically make billed amount payments from the user selected payment account to the products suppliers or seller’s payment account.

[0276] In another embodiment user can visit store including grocery store, convenience store, department store and instead of pick liked or required products and put to basket or trolly, user can scan one or more products and add to cart or online select products from list of available

[0277] Illproducts at store, use default or select or add quantity, with one tap make order & automatically pay added products calculated billed amount payments from the user’s pre-selected payment account to the place or store associated payment account or make auto payment as per settings discussed in figures 9A-9B. Based on order, in-store collection staff person, collect the user ordered products and based on user instruction deliver at user selected or default address or notify user that products are ready for takeaway.

[0278] Figure 9E illustrates graphical user interface for enabling user to view automatically made payments (Auto Pay) related transactions details E935 including actions, notifications, status and updates, wherein actions including view detailed order details, details bill, invoice, and receipt E910 / E920 / E930 / E940 / E950 / E960 / E970, confirm payment action control E981, request update bill action control E982, request refund of more charged amount action control E983, request return & refund action control E983, request discount and part refund action control E986, request redeem points action control E987, turn off or turn on auto payments E984 to selected place(s) and service provider(s) e.g. E912, remove or update settings E985 associated with auto payment for selected place(s) and service provider(s) e.g. E912, report actions controls E988, notifications including voice payment confirmation request notification E933 with confirm action control E932 and reject action control E934 (as per user settings or billed amount is more than set maximum limit 921 (Figure 9)), bill updated notification, refund full or part done notification, voice successfully making of payment notification, instruct to fund account due to detect less balance in payment account notification, number of points redeemed notification, status & updates including select or add to cart, made order, order is ready, order received, bill or invoice generated and sent, receive notification, confirm payment, automatically make payment as per settings and associated trigger details, payment done, request refund, request return, number of points redeemed, request refund via insurance policy or coverage or service, instalment paid, interest paid and like.

[0279] Figure 9F illustrates graphical user interface for enabling place admin or service provider F903 to provide privacy settings for allowing selected or selected type specific users to make automatic payment to place or branches of place orserice provider.In one or more embodiments, enabling place or service provider admin F903 (102) to search and select different types of users including by inputting or selecting search query F909 and search F905, select F906 from the list of categories users of the network, search, sort, filter, search nearby, and select place(s) from maps application by selecting option D907 or select type of users F930 including Eligible F921, nearby F922, frequently visited F923, as per selected rank F924 to filter, search and select or enable to select all eligible F925 or Select all insurance enabled & eligible F926 or search, filter, view profile and select registered users of the network e.g. F930 / F931 / F932 / F933 from displayed list F935 to allow selected users or types of users to make payment via Pay via Automatic Payment (“Auto Pay”) payment method or payment option.

[0280] In one or more embodiments, enabling place or service provider admin F903 (102) to select and set or apply or save privacy settings for one or more selected users from master list of selected users for allowing to pay via make automatic payment method or option, wherein privacy settings includes select maximum payment amount per transaction F921, start date F922 and end data F923, select payment confirmation via selected one or more communication methods including notification, email, message, SMS and phone call F925 to notify user payment confirmation notification or message to place or service provider admin F903 (102), view detailed bill or report or communicate with transaction associated user, wherein notification comprises place name, purchased products and services, purchased and payments date and time, payment amount. In an embodiment enabling place or service provider admin F903 (102) to select one or more or select all allowed users of turn on to allow or turn off to disallowed pay via automatic payment option F908.

[0281] In various embodiments, enabling place admin or service provider admin F903 (102) to select and apply automatically make payment (Auto Pay) settings for selected users, wherein settings include send bill to user via one or more communication channels and mediums including push notification, SMS, email, auto generated voice message including voice bill details including amount-based phone call and allow user to make payment within pre-set duration F971 as per user convenience time and selection of payment method. In the event of non-payment within said pre-set duration, automatically send payment confirmation request notification with auto payaction control or buttton to user after pre-set duration F972 for enabling user to select or tap on e.g. “Auto Pay” button or “Confirm” to automatically make payment from user’s pre-set payment account to place or service provider’s payment account. In the event of not confirming payment by user within pre-set duration F973, automatically make billed amount payment from user’s pre-set payment account to place or service provider’s payment account. In the event of detecting less balance than billed amount in user selected payment account, automatically select second or subsequent payment method. In the event of less balance than billed amount in all user added payment account, based on settings by place admin or service provider, allowing user to automatic make payment via installments or by paying interest upto providing principal amount as per rules and settings (credit) F974. In the event of non-payment of billed amount by user as per settings including pre-set duration, based on insurance policies or rules, automatically make calculated amount of payment from insurance account to place or service provider’s payment account. In an embodiment after selecting settings for selected all or one or more users, place admin or service provider admin F903 (102) can save and apply ssettings which place admin or service provider admin F903 (102) can anytime remove, change or update or turn ON or OFF F980.

[0282] Figure 9G illustrates an example of an environment 100 for implementing aspects in accordance with various embodiments. The example environment 100 includes an automatic payment system 110 (G910). The automatic payment system 110 (G910) is configured to process automatic payment transactions, as described below in reference to 9A-9G. The automatic payment system 110 (G910) can be implemented as computer programs on one or more server computers, in which the systems, modules, and techniques described below can be implemented. Users, e.g., customers, can interact with the automatic payment system 110 (G910) to perform automatic payment transactions with merchants, as described below in reference to Figures 9A-9G. The user can pay for items purchased from a merchant through the automatic payment transaction. The user devices 130 can each be a computer coupled to the automatic payment system 110 (G910) through a network 125. The user devices 130 include a memory, e.g., a random access memory (RAM), for storing instructions and data, and a processor for executing stored instructions. The user devices 130 include one or more modules, that are configured to and operable to send and receive requests, data, notifications over the network 125. The merchantdevice 175 and the user device 130 can communicate over the network using wired or wireless connections, and combinations thereof.

[0283] As described below in figure 9A-9G, users conducting automatic payment transactions with merchants through the automatic payment system 110 (G910) will each have a respective user account with the automatic payment system 110 (G910). Similarly, each merchant entering into automatic payment transactions with users will have a respective merchant account with the automatic payment system 110 (G910).

[0284] Before conducting the automatic payment transaction, a user can apply automatic payment related privacy settings and preferences via the user application 132 discussed in detail in figure 9A-9B & 9F on the user device 130. Place admin via a merchant application 176 to send, to a user device 130, a bill or invoice, for a purchased products and services.

[0285] The merchant device 175 can be a computer coupled to the automatic payment system 110 (G910) through a network 125. The merchant device 175 generally includes a memory, e.g., a random access memory (RAM), for storing instructions and data, and a processor for executing stored instructions. The merchant device 175 operable to send and receive requests or one or more types of data over the network 125. The merchant device 175 display enables the merchant to view customers’ orders including identified or current customer.

[0286] The term “storage medium” refers to any device or combination of devices configured to storing, accessing, and retrieving data, which may include any combination and number of database servers, databases including relational databases, file systems, data storage devices, and data storage media, in distributed environment.

[0287] The automatic payment system 110 (G910) is configured to identify user’s identity G920 by employing contact-less face identity, voice identity, fingerprint identity, selected user details including user identity, photo, phone number by merchant from merchant device, automatically identify user’s identity based on user device attached or integrated Radio Frequency Identification (RFID) tag via Radio Frequency Identification (RFID) reader device,automatically identify user’s identity based on user device attached or integrated Near Field Communication (NFC) tag via Near Field Communication (NFC) reader device, share user’s identity via scanning of QR code and based on that identify user’s payment account or automatic payment account associated with the user discussed in detail throughout the specification, identify user’s identity associated ordered products and services or automatically associate, or enable merchant to select or input user identity and associate with selected order from list of orders or created order for identified user by merchant, based on ordered products and services identity billed amount or due amount, identify merchant’s identity and associated merchant’s payment account or merchant’s auto payment account, wherein the automatic payment system 110 (G910) is configured to perform automatic payment transactions. The automatic payment system 110 (G910) can include one or more servers that are configured to securely perform electronic payment transactions, between a user and a merchant. The transaction is processed by transferring funds from a automatic payment account associated with the user account G920 to a automatic payment account associated with the merchant account G940. The automatic payment system 110 (G910) can also be configured to communicate with a computer system 135 of a card payment network, e.g., Visa or MasterCard, over the network 124, or over a different network, for example, to conduct electronic payment transactions. The computer system 135 of the card payment network can communicate with a computer system of a card issuer or bank. There may be computer systems of other payment processors or payment processing entities including the card acquirer, between the automatic payment system 110 (G910) and the computer system of the card issuer.

[0288] In an embodiment Figure 9G illustrates, registered and verified users of the network and place or place merchants of the network can create auto pay bank or payment account of the network wherein system can automatically make billed amount payment (debit) from identified user’s auto pay account to the identified merchant’s auto pay account (credit) as per user’s (discussed in detail in figures 9A, 9B & 9F) and merchant’s privacy settings, wherein auto pay bank or payment account stores transaction details including user’s identity, merchant’s identity, billed amount, paid amount, date and time, location information, pending due amount, payments of instalment(s) as per rules, pending dues, purchased products and services details including name, price, discount and description, earned and applied redeemable points, pending due amount formore than pre-set duration of days and time. In an embodiment in the event of pending due amount of one or more customers or users of the network for more than pre-set duration of days and time, automatically debit amount from the auto pay insurance bank or payment account to the eligible merchant’s auto payment bank or payment account. In an embodiment in the event of proving of charging more amount in bill, automatically make amount from the auto pay insurance bank account (debit) to the eligible user’s auto payment bank or payment account (credit). In various embodiments automatically make payment bank account, enables user to deposit funds by using one or more depositing funds methods, automatically and dynamically providing credit facilities, pay later and pay via installments as per user specific dynamic rules and schedules facilities based on monitored and tracked user’s payment profile and profile, verification, network ratings and past transactions.

[0289] In various embodiments server (110) database (115) stores user related data G910 including registered users’s identity, user name, password, age, gender, birth date, mobile phone number, email address, verification details and detail profiles, created user's automatic payment account (“Auto Pay Account”), one or more types of user identities data including face images for identifying user absed on face identity via scanning user’s face via camera or face scanner application or device, user’s fingerprints records for identifying user based on fingerprint identity via biometric scanner, voice data for identifying user’s identity based on voice identity via received voice from microphone, privacy settings for sharing user's identity and user data via user device attached or integrated Radio frequency identification (RFID) tag via Radio frequency identification (RFID) reader, Near field communication (NFC) tag via Near field communication (NFC) reader, scanning QR code, Automatically make payment (Auto Pay) settings as discussed in detail in figures 9A, 9B & 9F, user's payment profile data including user activities, actions, location, status, conenctions, payments transactions, and orders data, user added 3rd parties payment methods and payment accounts data, credited amount to user’s auto payment account including deposited amount, received payments or debited amounts or paid payments amounts, earned redeemable points based on purchases, transactions, actions, connections, refer, and profde, auto pay related insurance policy details, rules, refund transactions via auto pay insurance policy with detail including amount, associated order details, reason(s), date and time, credits provided by offline stores, service providers, online sellers and credits provided by one ormore providers including "Auto Pay” network to user based on user’s payment profile and profde, connections. In various embodiments server (110) database (115) stores place, place merchant, service provider related data including place and service provider registration including place name, logo, category, keywords, location including address, contact information, offered products and services data, verification details and profile data, created place or service provider's automatic payment account (“Auto Pay Account”), store or access link of registered places and service providers' inventory data including products, menus, services and associated details including name, price, description, photo(s), video(s), category, keywords, created or generated or confirmed orders details data, created or generated bills, invoices, receipts and various types of notifications, returns, refunds, refunds as per insurance details, updated credits, credited amount including deposited amount, received payments for selling products and services or debited amounts including paid payments amounts including refunds, cash back, purchased products and services, insurance for non-payment of bills or unpaid invoice, non-payment of installments and interests via auto pay by users or customers as per rules including within pre-set duration.

[0290] In various embodiments after user registration and verification, creating user payment or bank account as user automatic payment account (User Auto Pay Account), enabling user to provide or add one or types of identities including face identity, voice identity, and fingerprint identity related data, automatically share user identity via scan QR code, share RFID and NFC tag embedded user identity data attached with user device via RFID and NFC reader. In various embodiments user can contactless provides user’s identity via various ways as discussed in detail in figure 9B for identifying user at place including store, shop or for service provider or inmovement including cab or at vehicle parking or toll for making automatic payment using Auto Payment Bank Account. In various embodiments after identifying user’s identity by employing one or more technologies as discussed throughout the specification, user can make order via various ways as discussed in detail in figure 9B.

[0291] In various embodiments after place or place merchant, online web site or application or service provider’s registration and verification by employing various verification techniques, creating place or business or service provider’s merchant payment or bank account as automatic paymentaccount (Merchant Auto Pay Account). In various embodiments server 110 store in storage medium 115 or access registered places and service providers' inventory data including offered products, menu items, services and associated details and data for centrally allowing users of network to access, search, match, browse and select and add to order one or more selected products and services and make order. In the event of making order centrally (via server 110), generating bill or invoice or enabling place to generate bill or invoice from server by using server provided secured and trusted Application Programming Interface (APIs) and Software development kit (SDKs). After generating bill or invoice automatically make billed payment amount from user’s Auto Pay Account (debit) G920 to merchant’s Auto Pay Account (credit) G940 as per user’s Auto Pay settings as dicussed in detail in figures 9A-9B & 9F. In an embodiment based on settings automatically send auto paid billed amount payment confirmation notification. In an embodiment, after...

Claims

What is claimed is:

1. A computer- implemented method for connecting with place or location or geofence, comprising:receiving, by a server system, a request from the requestor client device to register a place or a geofence with the server system, wherein request comprises at least a location information of the place or the geofence;registering, by a server system, the place or the geofence by generating and storing unique identity of the place or the geofence in the server storage medium; generating, by a server system, a code or tag including visual graphical code, Quick Response code or QR code or encoded unique identity for creating Near Field Communication (NFC) tag based on the place or the geofence unique identity; sending, by a server system, a visual graphical code or encoded unique identity to the requestor client device, wherein enabling place merchant or admin to create Near Field Communication (NFC) tag based on server system provided encoded unique identity; acquiring image data of the visual graphical code from a user client device of the identified user with aid of optical detection apparatus, wherein the image data is acquired by capturing an image of the visual graphical code displayed on the display screen or in- place printed or other form using an imaging device operably coupled to the user client device and configured to optically detect the visual graphical code;processing said image data to extract and decode the place identity;based on the identified place identity or identification information related to the place, identifying the place, the place account or the merchant account, the merchant application, the place device(s) or person(s) or object(s), and the place merchant or admin;connecting identified user or user application or user client device with the identified place or place associated merchant or merchant application or merchant client device; and enabling the connected user to access connected place associated invoked interface or application and associated actions in the user client application and enabling the connected merchant user to access or view connected user related data and actions in the merchant client application.

2. The computer-implemented method for claim 1 wherein the place or the geofence including the place or the geofence associated with a merchant, a business, an office, a school, a college, a store, a patrol pump, a car parking, a hospital, a club, an apartment or a house and real-world location or place related to one or more types of entity.

3. The computer-implemented method for claim 1 wherein request comprises place or location or geofence information including selected place or location on maps and drawn geofence on maps, merchant account payment details, merchant application user identity and password, place profile, user profile and details including place or business name, logo, category(ies), keywords, working hours, products and services details, contact information for creating the place or the geofence associated account including the merchant account or the business account.

4. The computer-implemented method for claim 1 wherein displaying the connected user’s information and the contextual actions in the connected place associated application in the place’s client device and displaying connected place’s information and the contextual actions in the connected user associated application in the user’s client device.

5. The computer-implemented method for claim 1 wherein actions and interfaces including payment, order, book, buy, get waiting token, share list of items, request collect ordered items, request delivery of ordered items, reserve available or selected seat or table, view status and updates including order status and time, queue status and time, collection status and time,6. The computer-implemented method for claim 1 wherein receiving, by the server system, the place associated merchant client application, a request to register the place or the geofence associated user with the server system, wherein request comprises the identity of the place and user profile details including a photo and a name; registering, by the server system, the place or the geofence associated user and storing, by the server system, user’s unique identity and the user profile; generating, by a server system, a visualgraphical code including QR code based on the user unique identity; sending, by a server system, a visual graphical code to the merchant application or the merchant client device; acquiring image data of the visual graphical code from a user client device of the identified user with aid of optical detection apparatus, wherein the image data is acquired by capturing an image of the visual graphical code attached with user and displayed in printed or other form using an imaging device operably coupled to the user client device and configured to optically detect the visual graphical code; processing said image data to extract and decode the validation identity; based on the validation identity, identifying identity or account including user identity; based on identification information related to the user, identifying the user.

7. The computer-implemented method for claim 1 wherein receiving, by the server system, the place associated merchant client application, a request to register the place or the geofence associated object or device with the server system, wherein request comprises the identity of the place and object profile details including a object or device name, type or category, image; registering, by the server system, the place or the location or the geofence associated object or device and storing, by the server system, object or device unique identity and the object or device profile; generating, by a server system, a visual graphical code including QR code based on the object or device unique identity; sending, by a server system, a visual graphical code to the merchant application or the merchant client device; acquiring image data of the visual graphical code from a user client device of the identified user with aid of optical detection apparatus, wherein the image data is acquired by capturing an image of the visual graphical code attached in printed or other form on / with the object or the device using an imaging device operably coupled to the user client device and configured to optically detect the visual graphical code; processing said image data to extract and decode the validation identity; based on the validation identity, identifying identity or account including the object or the device identity; based on the identification information related to the object or device, identifying the object or the device.

8. The computer-implemented method for claim 1 wherein receiving registering request, by the server system, from the user client device, wherein request comprises user details including user name, age, user identity, password, phone number and e-mail address; storing, by the server system, user details and user identity in the server storage medium.

9. A system for connecting with place or location or geofence, comprising:a server comprising one or more processors and memory, configured to:receive, by a server system, a request from the requestor client device to register a place or a geofence with the server system, wherein request comprises at least a location information of the place or the geofence;register, by a server system, the place or the geofence by generating and storing unique identity of the place or the geofence in the server storage medium;generate, by a server system, a code or tag including visual graphical code, Quick Response code or QR code or encoded unique identity for creating Near Field Communication (NFC) tag based on the place or the geofence unique identity; send, by a server system, a visual graphical code or encoded unique identity to the requestor client device, wherein enabling place merchant or admin to create Near Field Communication (NFC) tag based on server system provided encoded unique identity; acquire image data of the visual graphical code from a user client device of the identified user with aid of optical detection apparatus, wherein the image data is acquired by capturing an image of the visual graphical code displayed on the display screen or in- place printed or other form using an imaging device operably coupled to the user client device and configured to optically detect the visual graphical code;process said image data to extract and decode the place identity;based on the identified place identity or identification information related to the place, identify the place, the place account or the merchant account, the merchant application, the place device(s) or person(s) or object(s), and the place merchant or admin; connect identified user or user application or user client device with the identified place or place associated merchant or merchant application or merchant client device; and enable the connected user to access connected place associated invoked interface or application and associated actions in the user client application and enabling theconnected merchant user to access or view connected user related data and actions in the merchant client application.

10. The system of claim 9 wherein the place or the geofence including the place or the geofence associated with a merchant, a business, an office, a school, a college, a store, a patrol pump, a car parking, a hospital, a club, an apartment or a house and real-world location or place related to one or more types of entity.

11. The system of claim 9 wherein request comprises place or location or geofence information including selected place or location on maps and drawn geofence on maps, merchant account payment details, merchant application user identity and password, place profile, user profile and details including place or business name, logo, category(ies), keywords, working hours, products and services details, contact information for creating the place or the geofence associated account including the merchant account or the business account.

12. The system of claim 9 wherein displaying the connected user’s information and the contextual actions in the connected place associated application in the place’s client device and displaying connected place’s information and the contextual actions in the connected user associated application in the user’s client device.

13. The system of claim 9 wherein actions and interfaces including payment, order, book, buy, get waiting token, share list of items, request collect ordered items, request delivery of ordered items, reserve available or selected seat or table, view status and updates including order status and time, queue status and time, collection status and time,14. The system of claim 9 wherein receive, by the server system, the place associated merchant client application, a request to register the place or the geofence associated user with the server system, wherein request comprises the identity of the place and user profile details including a photo and a name; register, by the server system, the place or the geofence associated user and store, by the server system, user’s unique identity andthe user profile; generate, by a server system, a visual graphical code including QR code based on the user unique identity; send, by a server system, a visual graphical code to the merchant application or the merchant client device; acquiring image data of the visual graphical code from a user client device of the identified user with aid of optical detection apparatus, wherein the image data is acquired by capturing an image of the visual graphical code attached with user and displayed in printed or other form using an imaging device operably coupled to the user client device and configured to optically detect the visual graphical code; process said image data to extract and decode the validation identity; based on the validation identity, identify identity or account including user identity; based on identification information related to the user, identifying the user.

15. The system of claim 1 wherein receive, by the server system, the place associated merchant client application, a request to register the place or the geofence associated object or device with the server system, wherein request comprises the identity of the place and object profile details including a object or device name, type or category, image; registering, by the server system, the place or the location or the geofence associated object or device and storing, by the server system, object or device unique identity and the object or device profile; generating, by a server system, a visual graphical code including QR code based on the object or device unique identity; send, by a server system, a visual graphical code to the merchant application or the merchant client device; acquire image data of the visual graphical code from a user client device of the identified user with aid of optical detection apparatus, wherein the image data is acquired by capturing an image of the visual graphical code attached in printed or other form on / with the object or the device using an imaging device operably coupled to the user client device and configured to optically detect the visual graphical code; process said image data to extract and decode the validation identity; based on the validation identity, identify identity or account including the object or the device identity; based on the identification information related to the object or device, identify the object or the device.

16. The system of claim 1 wherein receive registering request, by the server system, from the user client device, wherein request comprises user details including user name, age, useridentity, password, phone number and e-mail address; storing, by the server system, user details and user identity in the server storage medium.

17. A computer- implemented method for connecting with place or location or geofence, comprising:receiving, by a server system, from a user device request to identify nearby one or more places including nearest one or more places or current place;receiving, by the server system, from a user device monitored and tracked user device location information;based on received user device location information, identifying, by the server system, nearby one or more places including nearest one or more places or current place; displaying, by the server system, identified nearby one or more places including nearest one or more places or current place;in the event of selection of place from said identified places, connecting, by the server system, identified user or user application or user device with the selected place or merchant application or the merchant device;enabling user to access or automatically invoking identified place associated interface or application and associated one or more actions.

18. A system for connecting with place or location or geofence, comprising:receive, by a server system, from a user device request to identify nearby one or more places including nearest one or more places or current place;receive, by the server system, from a user device monitored and tracked user device location information;based on received user device location information, identify, by the server system, nearby one or more places including nearest one or more places or current place;display, by the server system, identified nearby one or more places including nearest one or more places or current place;in the event of selection of place from said identified places, connect, by the server system, identified user or user application or user device with the selected place or merchant application or the merchant device;enable user to access or automatically invoking identified place associated interface or application and associated one or more actions.

19. A computer- implemented method for connecting with place or location or geofence comprising: receiving, by a server system, from a microphone device user voice and microphone device embedded stored unique identity to connect user with microphone device associated place or place device or place object or place people; and detecting or recognizing, by a server system, user voice based on sufficiently matching server storage medium pre-stored user voice with the received voice request and identifying stored user voice associated user identity.

20. A system for connecting with place or location or geofence, comprising: receive, by a server system, from a microphone device user voice and microphone device embedded stored unique identity to connect user with microphone device associated place or place device or place object or place people; and detect or recognize, by a server system, user voice based on sufficiently matching server storage medium pre-stored user voice with the received voice request and identify stored user voice associated user identity.

21. A compute-implemented method, comprising: receiving, by at least one server from a merchant client device, a connection request to facilitating users and merchant an in-store actions including order, sharing, reactions, payment transaction between a connected user or user application and a merchant or merchant application, wherein the request comprises an image of the user and place associated unique identity stored in the merchant client device storage medium; comparing, by the at least one server, the image of the user from the connection request to the plurality of images corresponding to the plurality of users to identify user’s identity and determine an account associated with the user; and obtaining, by the at least one server and from the account associated with the user, a user identity and a payment account information;connecting identified user or user application or user client device with the identified place or place associated merchant or merchant application or merchant client device; andenabling the connected user to access connected place associated invoked interface or application and associated actions in the user client application and enabling the connected merchant user to access or view connected user related data and actions in the merchant client application.

22. The method for claim 21 wherein receiving, by at least one server from a merchant client device, a payment request to initiate an in-store payment transaction between a user and a merchant; sending a payment confirmation request to a client device associated with the payment account for the user, the payment confirmation request corresponding to the payment request to initiate the in-store payment transaction; receiving a confirmation response from the client device to process the in-store payment transaction; and processing, using the payment account for the user, the in-store payment transaction based on the received confirmation response.

23. A system, comprising: receive, by at least one server from a merchant client device, a connection request to facilitating users and merchant an in-store actions including order, sharing, reactions, payment transaction between a connected user or user application and a merchant or merchant application, wherein the request comprises an image of the user and place associated unique identity stored in the merchant client device storage medium; compare, by the at least one server, the image of the user from the connection request to the plurality of images corresponding to the plurality of users to identify user’s identity and determine an account associated with the user;obtain, by the at least one server and from the account associated with the user, a user identity and a payment account information;connect identified user or user application or user client device with the identified place or place associated merchant or merchant application or merchant client device; and enable the connected user to access connected place associated invoked interface or application and associated actions in the user client application and enabling the connected merchant user to access or view connected user related data and actions in the merchant client application.

24. The system for claim 23 wherein receive, by at least one server from a merchant client device, a payment request to initiate an in-store payment transaction between a user and a merchant; send a payment confirmation request to a client device associated with the payment account for the user, the payment confirmation request corresponding to the payment request to initiate the in-store payment transaction; receive a confirmation response from the client device to process the in-store payment transaction; and process, using the payment account for the user, the in-store payment transaction based on the received confirmation response.

25. A connection request processing method, comprising:detecting that a user device of the user is brought near to Near Field Communication (NFC) tag within a Near Field Communication (NFC) range of the user device;in response to the detecting, establishing an NFC link with the user device; automatically retrieving place identity information that identifies the account of the place from the user device via the NFC link;sending the connection request including the identified place identity and the user identity information to a server;connecting identified user with the identified place or place associated client device or installed application in the place associated client device; andenabling user to access or automatically invoking identified place associated interface or application and associated one or more actions and interfaces.

26. The computer-implemented method of claim 25 wherein displaying the connected user’s information and the contextual actions in the connected place associated application in the place’s client device and displaying connected place’s information and the contextual actions in the connected user associated application in the user’s client device.

27. A connection request processing system, comprising:a non-transitory memory; andone or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the connection request processing system to perform operations comprising:detect that a user device of the user is brought near to Near Field Communication (NFC) tag within a Near Field Communication (NFC) range of the user device;in response to the detecting, establishing an NFC link with the user device; automatically retrieve place identity information that identifies the account of the place from the user device via the NFC link;send the connection request including the identified place identity and the user identity information to a server;connect identified user with the identified place or place associated client device or installed application in the place associated client device; andenable user to access or automatically invoking identified place associated interface or application and associated one or more actions and interfaces.

28. The system of claim 27 wherein displaying the connected user’s information and the contextual actions in the connected place associated application in the place’s client device and displaying connected place’s information and the contextual actions in the connected user associated application in the user’s client device.

29. A method of defining, orchestrating, and enabled to execute or run multiple triggers associated actions including connect to place, people & objects for facilitating conducting of actions, connected applications, people, devices and objects related actions and collaborative actions as per triggering of event and orchestration, comprising: enabling to define, program, customize and orchestrate multiple triggers and define, program, customize and orchestrate each trigger associated actions;monitoring and tracking triggering of event or trigger;identifying trigger or triggering of event, wherein trigger or triggering of event based on at least one of selection and execution of user action or automatically executed action, date & time, monitored and tracked updates including location information, status, event, transaction and identified data;based on identified trigger or triggering of event, automatically executing or displaying as per trigger specific orchestration, defined one or more actions including at least one of displaying identified trigger specific one or more applications, interfaces, functions, call- to-actions or user actions, speaking voice phrases, provide updates, status, contents; and enabling user to access said applications, interfaces, take call-to-actions including user actions or voice actions via voice commands, conduct scanning of code including QR code or put user device near NFC tags and augmented reality scanning to take one or more automatic or manual actions, input or select values as per parameters or field or instruction, take actions within displayed video or photo.

30. The method of claim 29 wherein define and orchestrate type of place, activity, requirement specification, task specific sequences and orchestration of triggers.

31. The method of claim 29 wherein enabling to save defined or programmed type of place, activity, requirement specification, task specific sequences and orchestrated triggers for later use or customization.

32. The method of claim 29 wherein enabling user to customize or edit saved defined or programmed type of place, activity, requirement specification, task specific sequences and orchestrated triggers.

33. A system of define, orchestrate, and enabled to execute or run multiple triggers associated actions including connect to place, people & objects for facilitating conducting of actions, connected applications, people, devices and objects related actions and collaborative actions as per triggering of event and orchestration, comprising:enable to define, program, customize and orchestrate multiple triggers and define, program, customize and orchestrate each trigger associated actions;monitor and track triggering of event or trigger;identify trigger or triggering of event, wherein trigger or triggering of event based on at least one of selection and execution of user action or automatically executed action, date& time, monitored and tracked updates including location information, status, event, transaction and identified data;based on identified trigger or triggering of event, automatically executing or displaying as per trigger specific orchestration, defined one or more actions including at least one of displaying identified trigger specific one or more applications, interfaces, functions, call- to-actions or user actions, speaking voice phrases, provide updates, status, contents; and enabling user to access said applications, interfaces, take call-to-actions including user actions or voice actions via voice commands, conduct scanning of code including QR code or put user device near NFC tags and augmented reality scanning to take one or more automatic or manual actions, input or select values as per parameters or field or instruction, take actions within displayed video or photo.

34. The system of claim 33 wherein define and orchestrate type of place, activity, requirement specification, task specific sequences and orchestration of triggers.

35. The system of claim 33 wherein enabling to save defined or programmed type of place, activity, requirement specification, task specific sequences and orchestrated triggers for later use or customization.

36. The system of claim 33 wherein user is configured to customize or edit saved defined or programmed type of place, activity, requirement specification, task specific sequences and orchestrated triggers.

37. The method comprising:in the event of select type, name, and start by user, initiate monitoring and tracking of triggering of associated events or triggers related to user, wherein monitoring and tracking of triggering of associated events or triggers related to user from user’s or user’s related or connected one or more smart devices, applications, actions including third parties’ devices, applications, actions;in the event of triggering of identified event or trigger related to user, identifying associated actions; anddisplaying associated and identified actions for enabling user to select or select via voice and execute or automatically execute associated and identified on or more actions.

38. The method of claim 37 wherein type and name comprise type or name of location, place, geofence, entity, task, requirement, project, activity, task, workflow and associated profile and details.

39. The method of claim 37 wherein displaying modified or customize actions based on identified user identity and associated data.

40. The method of claim 37 wherein enabling to select type and name and select and associate one or more events or triggers from list of events or triggers and associate with each selected event or trigger one or more actions from list of actions.

41. The method of claim 37 wherein event comprises selection of start action, scanning or reading of one or more types of codes and tags including QR code and NFC tag and identified type of data, identifying particular location or location of place or geofence, identifying particular sensor associated particular type of data, reaching at location of place, user voice, user connected voice, user selection of keywords, identifying particular keyword from user’s or user connection’s speaking,42. The method of claim 37 wherein identify event or trigger or source of event or trigger based on user devices, applications, actions, updates, status, user connected or related or identified devices, applications and actions, updates, status of / from 3rdparties.

43. The method of claim 37 wherein enabling user to select or input preferred or required details or parameter or field specific values and execute action.

44. The method of claim 37 wherein enabling user to use action associate interface, application, select or input preferred or required details or parameter or field specific values, take one or more further actions.

45. The method of claim 37 wherein generating and storing identity and generate identity specific code including QR code or tag including NFC tag.

46. The method of claim 37 wherein configuring registered user to use application and scan via camera interface of application, attached code and tag with place, people, object and devices and receiving, by the sever system, from the user client device of registered user, request for activating or registering of code or tag or code or tag identity associated real- world place or location or geofence, object, people, and devices associated details, wherein request comprises automatically identified user identity, monitored and tracked user device location information, date and time, scanned or captured image(s), identified keywords based on image(s) based on object and optical character (OCR) recognition technologies, user selected or inputted type, category, name and name, profile detail, description, selected actions or inputted or suggested required types of actions or selected triggers and each selected trigger associated actions.

47. The system comprising:in the event of select type, name, and start by user, initiate monitoring and tracking of triggering of associated events or triggers related to user, wherein monitoring and tracking of triggering of associated events or triggers related to user from user’s or user’s related or connected one or more smart devices, applications, actions including third parties’ devices, applications, actions;in the event of triggering of identified event or trigger related to user, identifying associated actions; anddisplay associated and identified actions for enabling user to select or select via voice and execute or automatically execute associated and identified on or more actions.

48. The system of claim 47 wherein type and name comprise type or name of location, place, geofence, entity, task, requirement, project, activity, task, workflow and associated profile and details.

49. The system of claim 47 wherein display modified or customize actions based on identified user identity and associated data.

50. The system of claim 47 wherein enable user to select type and name and select and associate one or more events or triggers from list of events or triggers and associate with each selected event or trigger one or more actions from list of actions.

51. The system of claim 47 wherein event comprises selection of start action, scanning or reading of one or more types of codes and tags including QR code and NFC tag and identified type of data, identifying particular location or location of place or geofence, identifying particular sensor associated particular type of data, reaching at location of place, user voice, user connected voice, user selection of keywords, identifying particular keyword from user’s or user connection’s speaking,52. The system of claim 47 wherein identify event or trigger or source of event or trigger based on user devices, applications, actions, updates, status, user connected or related or identified devices, applications and actions, updates, status of / from 3rdparties.

53. The system of claim 47 wherein user is configure to select or input preferred or required details or parameter or field specific values and execute action.

54. The system of claim 47 wherein user is configure to use action associate interface, application, select or input preferred or required details or parameter or field specific values, take one or more further actions.

55. The system of claim 47 wherein generate and store identity and generate identity specific code including QR code or tag including NFC tag.

56. The system of claim 47 wherein configure registered user to use application and scan via camera interface of application, attached code and tag with place, people, object and devices and receiving, by the sever system, from the user client device of registered user,request for activating or registering of code or tag or code or tag identity associated real- world place or location or geofence, object, people, and devices associated details, wherein request comprises automatically identified user identity, monitored and tracked user device location information, date and time, scanned or captured image(s), identified keywords based on image(s) based on object and optical character (OCR) recognition technologies, user selected or inputted type, category, name and name, profile detail, description, selected actions or inputted or suggested required types of actions or selected triggers and each selected trigger associated actions.

57. An electronic device comprising:a smart speaker;a microphone;a communication interface;at least one processor electrically connected to the speaker, the microphone, and the communication interface; anda memory electrically connected to the processor,wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to:displaying graphical user interface (GUI) to enable authorized user or admin of place to select, add, modify, remove, orchestrate, customize and program at least one of one or more types of voice instructions or phrases, voice actions or commands or query keywords and associated voice response, voice notification, voice status, voice reactions and triggers and each trigger associated one or more types of voice instructions or phrases, voice actions or commands and associated voice response, voice notification, voice status, voice reactions;identify user’s identity by employing one or more technologies including at least one of received scanned QR data, selection of device from list of in-place registered devices from the connected registered user’s application, recognize user’s voice based on voice recognition technologies, selection of user’s photo by merchant from the merchant client application, recognized user’s face based on camera device and face recognitiontechnologies, recognized user’s fingerprint based on biometrics device & finger recognition technologies,based on identified identify of user, activate voice services including at least one of a voice conversation, a voice instruction, a voice response, status and notification, a voice action and reaction and a voice recognition service;enabling user to conduct at least one of custom voice actions or automatically execute actions based on identified trigger related to user, wherein voice actions, reactions, instruction, notification, response, status including ask place contact information, hear phone number, share phone number, ask named product availability, price, negotiate, discount, avail custom price or discount, check availability of name product(s) based on place inventory database, book and schedule non-available named products, make order of named products, instruct to deliver order at default pre-stored address with user identity, instruct to collect and takeaway, instruct to consume at place, ask order status, number and time, add user to waiting queue and hear token number, ask about waiting status, time and current token number, hear user’s token number, name & assigned table number, hear billed amount, redeem points, make payments, hear voice payment confirmation and amount notification, listen list of reactions and provide instructed type of voice reaction including voice like, voice comment or feedback, issue disconnect with device voice command to disconnect user with device.

58. The device of claim 57, wherein enabling user to use voice services via user mobile device.

59. The device of claim 57, wherein employing camera and computer screen device converse with place connected staff person via connected application and conduct one or more actions including ask query, select products, avail custom offer, redeem points, add more suggested products, make order, instruct type of order including delivery, consume at place and takeaway, make payment, provide reactions or feedback.

60. The device of claim 57, wherein in the event of employing or adding or connecting or integrating one or more types of other connected devices including camera device, NearField Communication (NFC) reader, fingerprint scanner, digital wearables including digital watch, personal computer, tablet in combination of smart speaker and microphone, identifying associated actions and triggers and each trigger associated actions for enabling authorized user or admin of place to select, add, modify, remove, orchestrate, customize and program at least one of one or more types of actions and triggers and each trigger associated actions, wherein actions and triggers and each trigger associated actions including converse with place associated remote staff persons, view product presentation and how it works, negotiate, bid, ask discount, add one or more selected contacts or connections or accompanied connections including family members and friends in conversation for collaborative conversation, selection or order, redeem points and make order, select and add products from list of products, real-time visually view instore displayed products via live video stream or captured updated photo within pre-set duration and select products inside displayed said real-time video and make order, make payment, redeem points, provide authorization via fingerprint scanner, share measurements, share one or more types of profiles, share data or file, request prescription of medicines and make order and payment, instruct to collect, delivery or takeaway, replacement, refund, schedule customize products delivery, visual search including search products in real-time live video based on order, selected color, brand, type, keywords, size, price range, age or age range, selected gender specific, send sample.

61. The device of claim 57, wherein take updated high quality photo(s) of in-store displayed products in pre-set interval of time and share and display captured photo(s) with requesting user; show and highlight each identified products inside photo; identify keywords including product identity based on object recognition and Optical Character Recognition (OCR) and based on identified keywords mapping in-store products database with each identified and highlighted or marked product in photo(s) and show identified product details from records of in-store inventory database with each highlighted or marked product in photo(s); associate with each highlighted or marked product in photo(s) one or more contextual actions; in the event of selection of product in photo(s) by tap or touch on product in photo, displaying one or more contextual actions and enabling user to select one or more actions, wherein actions comprises order and makepayment, add to cart and view cart and make order and payment, instruct to collect products and delivery or takeaway or in-store consumption now or as per schedule, view details including price, discount, offer or custom offer for user, get support including ask queries.

62. A method comprising:capturing, using a camera of the electronic device when the device is located in a physical store, video or photo includes a plurality of physical products in a product display at the physical store;displaying, on a display of the electronic device, the video or photo in real time; based on object recognition, identifying, from digital images of the video or photo, each individual product of the plurality of physical products depicted in the video or photo; modifying the video or photo to present an augmented reality view by overlaying a lines surround or on identified boarder of each identified individual product of the plurality of physical products depicted in the video or photo;based on object recognition and Optical Character Recognition (OCR) identifying, from digital images of the video or photo, identity of each individual product of the plurality of physical products depicted in the video or photo;based on identified identity of each individual product of the plurality of physical products depicted in the video or photo, identifying identified identity associated information from the products information database and modifying the video or photo to present an augmented reality view by overlaying identified product information on or beside or at prominent place or over or within identified boarder of selected specific individual product or selected view details control associated with specific individual product or each identified individual product of the plurality of physical products depicted in the video or photo, wherein select particular individual product of the plurality of physical products depicted in the video or photo based on tap or select within recognized and identified border of particular individual product;in the event of one time selection of or tap on individual product of the plurality of physical products depicted in the video or photo, add one product to cart or in the event of long press on individual product of the plurality of physical products depicted in thevideo or photo, automatically make order of one or pre-set or default numbers of said selected product and automatically make payment and automatically instruct to delivery at pre-defined delivery address or modifying the video or photo to present an augmented reality view by overlaying one or more action controls including add to cart, buy, add or less number, reaction, view details actions on or over or within identified boarder of selected specific individual or each identified individual product of the plurality of physical products depicted in the video or photo.

63. The method of claim 62 wherein in the event of selection of action control conduct associated action.

64. The method of claim 62 wherein viewing user is configure to select in-place available staff person(s) assistant control to concurrently show in-place staff person(s) in prominent place on the displayed video or photo in real time and enable to converse and conduct one or more actions or tasks including ask queries, requirements, offer, negotiation, product availability, make order and payment with call accepted in-place staff person(s).

65. The method of claim 62 wherein viewing user is configure to select in-place available one or more authorized staff person(s) and select one or more connections and make call including video call and in the event of acceptance of video call, concurrently show call accepted in-place staff person(s) and user connection(s) in prominent place on the displayed video or photo in real time and enable to converse and conduct one or more actions or tasks including ask queries, requirements, offer, negotiation, product availability, make order and payment with call accepted in-place staff person(s).

66. A system, comprising:capture, using a camera of the electronic device when the device is located in a physical store, video or photo includes a plurality of physical products in a product display at the physical store;display, on a display of the electronic device, the video or photo in real time;based on object recognition, identify, from digital images of the video or photo, each individual product of the plurality of physical products depicted in the video or photo; modifying the video or photo to present an augmented reality view by overlaying a lines surround or on identified boarder of each identified individual product of the plurality of physical products depicted in the video or photo;based on object recognition and Optical Character Recognition (OCR) identify, from digital images of the video or photo, identity of each individual product of the plurality of physical products depicted in the video or photo;based on identified identity of each individual product of the plurality of physical products depicted in the video or photo, identify identified identity associated information from the products information database and modifying the video or photo to present an augmented reality view by overlaying identified product information on or beside or at prominent place or over or within identified boarder of selected specific individual product or selected view details control associated with specific individual product or each identified individual product of the plurality of physical products depicted in the video or photo, wherein select particular individual product of the plurality of physical products depicted in the video or photo based on tap or select within recognized and identified border of particular individual product;in the event of one time selection of or tap on individual product of the plurality of physical products depicted in the video or photo, add one product to cart or in the event of long press on individual product of the plurality of physical products depicted in the video or photo, automatically make order of one or pre-set or default numbers of said selected product and automatically make payment and automatically instruct to delivery at pre-defined delivery address or modifying the video or photo to present an augmented reality view by overlaying one or more action controls including add to cart, buy, add or less number, reaction, view details actions on or over or within identified boarder of selected specific individual or each identified individual product of the plurality of physical products depicted in the video or photo.

67. The system of claim 66 wherein in the event of selection of action control conduct associated action.

68. The system of claim 66 wherein viewing user is configured to select in-place available staff person(s) assistant control to concurrently show in-place staff person(s) in prominent place on the displayed video or photo in real time and enable to converse and conduct one or more actions or tasks including ask queries, requirements, offer, negotiation, product availability, make order and payment with call accepted in-place staff person(s).

69. The system of claim 66 wherein viewing user is configured to select in-place available one or more authorized staff person(s) and select one or more connections and make call including video call and in the event of acceptance of video call, concurrently show call accepted in-place staff person(s) and user connection(s) in prominent place on the displayed video or photo in real time and enable to converse and conduct one or more actions or tasks including ask queries, requirements, offer, negotiation, product availability, make order and payment with call accepted in-place staff person(s).

70. A method, comprising:obtaining, video or photo includes a plurality of physical products in a product display at a physical store as captured by the camera when the system is located in the physical store;instructing the display to display the video or photo in real time;displaying, on a display of the electronic device, the video or photo in real time; based on object recognition, identifying, from digital images of the video or photo, each individual product of the plurality of physical products depicted in the video or photo; modify the video or photo to present an augmented reality view by overlaying a lines surround or on identified boarder of each identified individual product of the plurality of physical products depicted in the video or photo;based on object recognition and Optical Character Recognition (OCR) identifying, from digital images of the video or photo, identity of each individual product of the plurality of physical products depicted in the video or photo;based on identified identity of each individual product of the plurality of physical products depicted in the video or photo, identify identified identity associated informationfrom the products information database and modify the video or photo to present an augmented reality view by overlaying identified product information on or beside or at prominent place or over or within identified boarder of selected specific individual product or selected view details control associated with specific individual product or each identified individual product of the plurality of physical products depicted in the video or photo, wherein select particular individual product of the plurality of physical products depicted in the video or photo based on tap or select within recognized and identified border of particular individual product;in the event of one time selection of or tap on individual product of the plurality of physical products depicted in the video or photo, add one product to cart or in the event of long press on individual product of the plurality of physical products depicted in the video or photo, automatically make order of one or pre-set or default numbers of said selected product and automatically make payment and automatically instruct to delivery at pre-defined delivery address or modify the video or photo to present an augmented reality view by overlaying one or more action controls including add to cart, buy, add or less number, reaction, view details actions on or over or within identified boarder of selected specific individual or each identified individual product of the plurality of physical products depicted in the video or photo.

71. A system, comprising:a camera;a display;one or more processors communicatively coupled to the camera and the display; and one or more non-transitory computer-readable media containing instructions which, in response to being executed by the one or more processors, cause the system to perform operations comprising:obtain, video or photo includes a plurality of physical products in a product display at a physical store as captured by the camera when the system is located in the physical store; instructing the display to display the video or photo in real time;display, on a display of the electronic device, the video or photo in real time;based on object recognition, identifying, from digital images of the video or photo, each individual product of the plurality of physical products depicted in the video or photo; modify the video or photo to present an augmented reality view by overlaying lines surround or on identified boarder of each identified individual product of the plurality of physical products depicted in the video or photo;based on object recognition and Optical Character Recognition (OCR) identify, from digital images of the video or photo, identity of each individual product of the plurality of physical products depicted in the video or photo;based on identified identity of each individual product of the plurality of physical products depicted in the video or photo, identify identified identity associated information from the products information database and modify the video or photo to present an augmented reality view by overlaying identified product information on or beside or at prominent place or over or within identified boarder of selected specific individual product or selected view details control associated with specific individual product or each identified individual product of the plurality of physical products depicted in the video or photo, wherein select particular individual product of the plurality of physical products depicted in the video or photo based on tap or select within recognized and identified border of particular individual product;in the event of one time selection of or tap on individual product of the plurality of physical products depicted in the video or photo, add one product to cart or in the event of long press on individual product of the plurality of physical products depicted in the video or photo, automatically make order of one or pre-set or default numbers of said selected product and automatically make payment and automatically instruct to delivery at pre-defined delivery address or modify the video or photo to present an augmented reality view by overlaying one or more action controls including add to cart, buy, add or less number, reaction, view details actions on or over or within identified boarder of selected specific individual or each identified individual product of the plurality of physical products depicted in the video or photo.

72. A method comprising:enabling each physical store of plurality of physical stores by using one or more cameras when the device(s) is / are located in a physical store, capturing from each camera, video or photo that each includes a plurality of physical products in a product display at the physical store;enabling user to search, browse, select and view selected one or more physical store related selected one or more real time video or photo, wherein in the event of selection displaying, on a display of the electronic device, selected real time video or photo of the selected physical store;receiving, by a electronic device, search query or list of products for visually searching one or more physical products specified by a user of the electronic device;based on object recognition and Optical Character Recognition (OCR) identifying, from digital images of the video or photo, identify each individual product and identify identity of each individual product of the plurality of physical products depicted in the video or photo;based on identified identity of each individual product of the plurality of physical products depicted in the video or photo, identifying associated information from the products information database;matching user search query or list of products with identified information from the products information database and identifying identities of searched products; based on identities of searched products, identifying on-screen position of each product within the video being displayed in real time; andmodifying the video to present an augmented reality view by overlaying a location indicator on each searched and identified products depicted in the video in the display, wherein the location indicator is a user interface element in the form of a highlighted lines or square lines around each searched and identified product.

73. The method of claim 72 wherein video or photo content or other image information captured by the camera may be processed to identify predefined one or more types of images or tags or codes or barcodes unique to the products depicted in the video or photo.

4. The method of claim 72 wherein registering, by the server system, physical store and each camera or video from each camera of each said registered physical store; storing, by the server system, central repository of available products based on inventory of products database of each registered physical store or accessing video or photo from each registered camera of each registered physical store and based on object recognition and Optical Character Recognition (OCR) identifying, from digital images of the video or photo, identify each individual product and identify identity of each individual product of the plurality of physical products depicted in the video or photo to identify available products;receiving, by a electronic device, search query or list of products for visually searching one or more physical products specified by a user of the electronic device; matching user search query or list of products with identified information from the products information database and identifying identities of searched products; based on identities of searched products, identifying on-screen position of each product within the video being displayed in real time; andmodifying the video to present an augmented reality view by overlaying a location indicator on each searched and identified products depicted in the video in the display, wherein the location indicator is a user interface element in the form of a highlighted lines or square lines around each searched and identified product;displaying, on a display of the electronic device, searched one or more products related real time videos or photos for enabling user to view highlighted each searched product in the displayed selected video or photo;enabling user to take one or more contextual actions on each individual product, wherein action includes view product details and presentation or demo, add to cart, make order or buy, instruct to collect, delivery or takeaway or in-store consumption, view offer, redeem points, select delivery address, select payment account, make payment, ask related queries, view nearby store having physical availability, add to group deal, negotiate, bid, schedule store visit appointment, cancel order, make return, replace and refund request, make non-receiving of order or receiving of wrong ordered products complaint, request support, provide reactions including like, comment, refer, complaint, feedback, fill survey form.

75. The method of claim 72 wherein video or photo content or other image information captured by the camera may be processed to identify predefined images or tags or codes or barcodes unique to the products depicted in the video or photo.

76. A system, comprising:enable each physical store of plurality of physical stores by using one or more cameras when the device(s) is / are located in a physical store, capturing from each camera, video or photo that each includes a plurality of physical products in a product display at the physical store;enable user to search, browse, select and view selected one or more physical store related selected one or more real time video or photo, wherein in the event of selection displaying, on a display of the electronic device, selected real time video or photo of the selected physical store;receive, by a electronic device, search query or list of products for visually searching one or more physical products specified by a user of the electronic device;based on object recognition and Optical Character Recognition (OCR) identifying, from digital images of the video or photo, identify each individual product and identify identity of each individual product of the plurality of physical products depicted in the video or photo;based on identified identity of each individual product of the plurality of physical products depicted in the video or photo, identifying associated information from the products information database;match user search query or list of products with identified information from the products information database and identifying identities of searched products;based on identities of searched products, identify on-screen position of each product within the video being displayed in real time; andmodify the video to present an augmented reality view by overlaying a location indicator on each searched and identified products depicted in the video in the display, wherein the location indicator is a user interface element in the form of a highlighted lines or square lines around each searched and identified product.

77. The system of claim 76 wherein video or photo content or other image information captured by the camera may be processed to identify predefined one or more types of images or tags or codes or barcodes unique to the products depicted in the video or photo.

78. The system of claim 76 wherein register, by the server system, physical store and each camera or video from each camera of each said registered physical store;store, by the server system, central repository of available products based on inventory of products database of each registered physical store or accessing video or photo from each registered camera of each registered physical store and based on object recognition and Optical Character Recognition (OCR) identify, from digital images of the video or photo, identify each individual product and identify identity of each individual product of the plurality of physical products depicted in the video or photo to identify available products;receive, by a electronic device, search query or list of products for visually searching one or more physical products specified by a user of the electronic device;match user search query or list of products with identified information from the products information database and identifying identities of searched products;based on identities of searched products, identify on-screen position of each product within the video being displayed in real time; andmodify the video to present an augmented reality view by overlaying a location indicator on each searched and identified products depicted in the video in the display, wherein the location indicator is a user interface element in the form of a highlighted lines or square lines around each searched and identified product.display, on a display of the electronic device, searched one or more products related real time videos or photos for enabling user to view highlighted each searched product in the displayed selected video or photo;enable user to take one or more contextual actions on each individual product, wherein action includes view product details and presentation or demo, add to cart, make order or buy, instruct to collect, delivery or takeaway or in-store consumption, view offer, redeem points, select delivery address, select payment account, make payment, ask relatedqueries, view nearby store having physical availability, add to group deal, negotiate, bid, schedule store visit appointment, cancel order, make return, replace and refund request, make non-receiving of order or receiving of wrong ordered products complaint, request support, provide reactions including like, comment, refer, complaint, feedback, fill survey form.

79. The system of claim 76 wherein video or photo content or other image information captured by the camera may be processed to identify predefined images or tags or codes or barcodes unique to the products depicted in the video or photo.

80. An electronic device comprising:a speaker;a microphone;a communication interface;optionally one or more integrated a NFC reader, a biometric device, a camera device; attached QR code or QR code display device, attached NFC tag, a SIM card slot, a SIM card, a modem, a battery, and one or more buttons or Printed Circuit Board (PCB) integrated buttons or keys including like button, volume increase and decrease buttons, power button, reset button, a display including RGB LED display for displaying various status, an indicator including network connected & strength, turned on indication; at least one processor electrically connected to the speaker, the microphone, and the communication interface; anda memory electrically connected to the processor,wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to:identifying user identity by employing one or more techniques including at least one of scanning of QR code via user device camera and camera application, putting user device integrated NFC reader near to NFC tag, recognizing user face via device integrated camera and face recognition technologies, recognizing user fingerprint by scanning fingerprint via biometric device, recognizing user voice based on user’s voice or sound recognition techniques;in the event of identifying user or in the event of pressing device integrated like button including button integrated biometric or fingerprint scan button, storing like reaction with user identity;based on settings, playing user provided like reaction including like, like by user name, like by user name place name or product name;based on identifying device integrated camera device, enabling one or more users to provide expressions; recognizing one or more user’s face(s) and body parts expressions and identities and based on recognized expressions, identifying type of reactions including like, love, wow, dislike, refer or share to identity associated connections and enabling to provide video and voice comments;in the event of instructing user to provide voice comment, enabling user to record or provide voice comment via device integrated microphone, wherein further enabling to remove recorded voice comment by issuing remove voice command or action and further enabling user to record voice comment;based on settings, playing user’s voice comment;in the event of instructing user to share or refer to user identity associated user’s connections, enabling user to issue voice command via device integrated microphone to instructing to share details including place details, user’s reactions including like and voice message to user’s connections, wherein further enabling user to remove instruction to share details by issuing remove voice command or voice action and further enabling user to provide instruction to share details;based on identifying device integrated display including RGB LED display, displaying reaction statistics and analytics including number of likes, comments, shares;based on settings, playing or speaking via device integrated speaker device, user’s share details including referred, referred to friends, user name referred to friends; enabling user to issue disconnect voice command to disconnecting user with the device and enabling another user to access device;based on settings, generating post and share with connections, wherein generated post includes user details including user identity, name, profile link, date and time, place details including place name, place location, place link, place related or user purchased or reacted products and services details including link for details, name, description, price,discount, offer, number of likes, comments, ratings, shares, user reactions, video and voice comments, expression video.

81. The electronic device of claim 80, wherein based on identifying device integrated display, identifying one or more users’ identity(ies) based on recognizing one or more users’ face(s) via integrated camera and face recognition technologies, enabling one or more users or group of users to record or post video expressions or reactions and video comments or post, select one or more connections of one or more identified users and share or refer and publish generated and user edited post to feed of user’s connections or selected one or more connections or selected connections of identified connections or users.

82. An electronic device comprising:a speaker;a microphone;a communication interface;optionally one or more integrated a NFC reader, a biometric device, a camera device; attached QR code or QR code display device, attached NFC tag, a SIM card slot, a SIM card, a modem, a battery, and one or more buttons including volume increase and decrease buttons, power button, reset button, a display including RGB LED display for displaying various status, an indicator including network connected & strength, turned on indication, wherein SIM card fitted inside SIM slot having networks including 2G, 3G, 4G or 5G GPRS networks are used for communication between the device and payment bank’s cloud server, wherein a device does not require Wi-Fi or Bluetooth signal and can function anywhere with mobile connectivity;wherein device is connected to an account and device is connected to internet via inbuilt Modem and SIM;at least one processor electrically connected to the speaker, the microphone, and the communication interface; anda memory electrically connected to the processor,wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to:connecting merchant application of merchant device with the device via communication interface;identifying user identity by employing one or more techniques including at least one of scanning of QR code via user device camera and camera application, putting user device integrated NFC reader near to NFC tag, recognizing user face via device integrated camera and face recognition technologies, recognizing user fingerprint by scanning fingerprint via device integrated biometric device, recognizing user voice based on user’s voice or sound recognition techniques, identifying and selecting user by merchant via merchant application in merchant device based on user connections with place or merchant device or merchant application, spoke, searched, selected or inputted phone number;based on pre-defined wizard based inputted voice instruction and associated selections of type of voice actions or selection of voice commands and associated program or customized settings, receiving, by the device from the connected merchant client application of the merchant device, pushed billed details including amount or receiving from the user, voice order, wherein voice order comprises voice command and voice products and services based on speech input or natural-language speech input and based on identified voice order, calculating billed amount;based on inputted or received or calculated billed amount, generating, by the device, voice billed details including voice billed payment amount notification;notifying or speaking or playing, by the device integrated speaker, generated voice notification including voice billed payment amount notification;receiving, by the device, voice command from the user to instructing device to repeat notifying or speaking or playing of said generated voice notification including voice billed payment amount notification;generating voice payment notification, wherein voice payment notification comprises voice payment amount, wherein generating voice payment notification based on received payment confirmation message from the payment processor based on processing, by the payment processor of the payment processing entity, the payment request includingdebiting amount from the identified user’s account and crediting amount to the identified merchant’s account;speaking or playing communicated voice payment notification including speaking or playing confirmed payment amount, wherein whenever a payment is received in the bank account associated with the device, a message is sent by the cloud server to the device and a voice alert is generated;receiving, by the device, voice command from the user to instructing device to repeat notifying or speaking or playing of said generated voice payment notification including confirmed payment amount notification; andreceiving and recording, by the device, from the user, voice reaction(s) including like or love or wow place, place related products and services, place staff or people, voice comments and instruction to share or refer details of place or place related one or more products and services to connections.

83. The electronic device of claim 82, wherein displaying on the display including RGB LED to indicate various states during operation including payment amount, logs of confirmed payment amount by one or more users or customers.

84. The electronic device of claim 82, wherein when a buyer makes a payment, it gets updated in merchant’s account, wherein device keep pooling account via internet connectivity for any new payment as soon as it gets a new payment, it fetches the details and notifies via speaker.

85. The electronic device of claim 82, wherein based on pre-defined wizard based inputted voice instruction and associated selections of type of voice actions or selection of voice commands and associated program or customized settings and place or merchant related products inventory database, receiving from the user, voice query related to availability of particular one or more products and services and associated one or more attributes including color, size, type, specification, price range and brand based on user speech input or natural-language speech input; querying or searching, place products and services inventory database(s); in the event of availability, speak by the speaker of thedevice, confirmation of availability of available one or more products and services and based on non-availability of user speak names of products and services, notifying via voice notification that one or more named products and services are not available; receiving, from the user confirmation of ordering of available products and services and receiving, from the user confirmation of booking and scheduling of non-available products and services.

86. The electronic device of claim 82, wherein based on pre-defined wizard based inputted voice instruction and associated selections of type of voice actions or selection of voice commands and associated program or customized settings and place or merchant related products inventory database, receiving from the user, voice query related to price and associated discount or offer of one or more products and services based on user speech input or natural-language speech input; querying or searching, place products and services inventory database(s); speak by the speaker of the device, name and associated price and discount or offer of each queried products and services.

87. A method for enabling user or user application or user device to connect with place or place merchant application or place merchant device using fingerprint of user, comprising:a user registers one or more said fingerprints where a fingerprint in machine readable form is called a fingerprint record;receiving, by the server system, user’s fingerprints from the in-place biometric device; automatically matches the fingerprint at the time of connection request to registered fingerprints comparing said received fingerprint record of the user at the time of connection request with all said registered fingerprint records to find amatching fingerprint record;based on the identified fingerprint record, identifying the identity of the place, the place account or the merchant account, the merchant application, the place device(s) or person(s) or object(s), and the place merchant or admin;connecting identified user or user application or user client device with the identified place or place associated merchant or merchant application or merchant client device; andenabling the connected user to access connected place associated invoked interface or application and associated actions in the user client application and enabling the connected merchant user to access or view connected user related data and actions in the merchant client application.

88. A system for enabling user or user application or user device to connect with place or place merchant application or place merchant device using fingerprint of user, comprising:a user registers one or more said fingerprints where a fingerprint in machine readable form is called a fingerprint record;receive, by the server system, user’s fingerprints from the in-place biometric device; automatically matches the fingerprint at the time of connection request to registered fingerprints comparing said received fingerprint record of the user at the time of connection request with all said registered fingerprint records to find amatching fingerprint record;based on the identified fingerprint record, identifying the identity of the place, the place account or the merchant account, the merchant application, the place device(s) or person(s) or object(s), and the place merchant or admin;connecting identified user or user application or user client device with the identified place or place associated merchant or merchant application or merchant client device; and enabling the connected user to access connected place associated invoked interface or application and associated actions in the user client application and enabling the connected merchant user to access or view connected user related data and actions in the merchant client application.

89. An electronic device comprising:a speaker;a display;a communication interface;at least one processor electrically connected to the speaker, and the communication interface; anda memory electrically connected to the processor,wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to:determining that the device is communicatively coupled to the user client application via one or more communication interface;identifying registered device associated identity;in the event of scanning, by the user from the user client application, device attached or associated or human identified QR code, identifying identity of user and receiving, by the device, user identity from the server storge medium via user client application; receiving, by the server, request to store user reaction, wherein request comprises type of reaction including like, love, wow, user identity, identity of the device or the place or the entity;storing, by the server, type of user reaction with the user identity and the identity of the device or the place or the entity in a storage medium;displaying, updated number of times reaction, on the display of the device; outputting or playing or speaking, using the at least one speaker, audible content or generated audible content comprising customized or programmed or pre-defined or concatenated or generated audible content based on type of reaction including like, wow, and love, name of the identified user or person, name of the identified place, number of times providing type of reaction by identified user.

90. The electronic device of claim 89, wherein enabling user to connect with device via online client application, installed smart client application, installed progressive web application; sending, from the user client application, registration request, to the server, wherein request comprises one or more types of user details including user name, phone number, age and gender; verifying user by sending one time password (OTP) on the user phone number associated device and receiving, from the user client application in said user device, one time password (OTP) and confirming verification by matching received one time password (OTP) with the sent one time password (OTP); generating user unique identity and storing unique user identity with one or more types of user details including user name, phone number, age and gender.

91. The electronic device of claim 90, wherein application includes management features including at least one of QR code scanner application or camera application for instructing server to sharing unique user identity from the server storage medium to the device via user client application and invoke place associated merchant payment interface for making pushed or selected or inputted via voice or inputted amount specific payment from user selected or default payment account to device associated identified merchant account associated account or payment or bank account, detailed user profile management, payment account management including add, remove and update one or more payment method details including credit card, debit card, Unified Payment Interface (UPI), user connections management for sharing or publishing user reaction details, access user’s reaction via device related statistics and analytics and reaction associated place details and link, share action for sharing one or more selected places and associated user’s reactions via device with one or more selected connections or based on user privacy settings automatically real-time share or publish user’s place associated reactions via device to user’s pre-selected or pre-set connections with place details including name, brand, logo, type or category, offered products and services, in-place reactions and ratings.

92. An electronic device comprising:a speaker;a display;a communication interface;at least one processor electrically connected to the speaker, and the communication interface; anda memory electrically connected to the processor,wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to:determining that the device is communicatively coupled to the user client application via one or more communication interface;identifying registered device associated identity;in the event of scanning, by the user from the user client application, device attached or associated or human identified QR code, identifying identity of user and receiving, by the device, user identity from the server storge medium via user client application; invoking and displaying, in the user client device, reaction application for enabling user to providing from the identified or connected user client device, to the device, one or more types of reactions via selection of reaction controls including selection of like or love or wow button, selection of ratings control to provide 1-5 stars ratings, inputted comments in text box or recorded voice comment by selecting voice comment control; receiving, by the server, request to store user reaction, wherein request comprises type of reaction including like, love, wow, user identity, identity of the device or the place or the entity;receiving and storing, by the server in a storage medium, details of user provided said one or more types of reactions from the user client application of the user client device, wherein reaction details comprise provided type and associated values of reaction including like or love or wow, 1-5 stars ratings, inputted or recorded voice comments, referring place or named products to all or named one or more connections of user, complete survey form via selection of spoke options via voice, user identity, identity of the device or the place or the entity;displaying, updated number of times like, comment, share or refer reaction and calculated average ratings, on the display of the device;outputting or playing or speaking, using the at least one speaker of the device, audible content or generated audible content comprising customized or programmed or predefined or concatenated or generated audible content based on type of reaction including like, wow, and love, ratings including 1-5 stars ratings, recorded voice comment or converted text comments to voice comments, share or refer to all or selected connections, name of the identified user or person, name of the identified place, number of times providing type of reaction by identified user, total number of times each type of reaction including updated number of likes, comments, shares or refers, average ratings, survey related question and selected option by user.

93. An electronic device comprising:a speaker;a microphone;a display including RGB LED display;a communication interface;at least one processor electrically connected to the speaker, the microphone and the communication interface; anda memory electrically connected to the processor,wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to:determining that the device is communicatively coupled to the user client application via one or more communication interface;identifying registered device associated identity;identifying identity of the user based on at least one of selection of in-place device from the list of in-place devices from the user client application, sharing of user identity from the user client application or scanning, from the user client application, device attached or associated or human identified QR code or voice identity via device microphone or user device microphone and receiving, by the device, user identity from the server storge medium via user client application;enabling user to providing from the device, selection of one or more types of reaction keys including selection of like key for providing like, rate key for providing rating including 1-5 stars, comment key to start and end recording of voice comment or enabling user to provide one or more types of voice reactions via device microphone, wherein voice reactions including like or love or wow, 1-5 stars ratings, start and end recording of voice comments, referring place or named products to all or named one or more connections of user, complete survey form via selection of spoke options via voice; enabling user to providing from the identified or connected user client device, to the device, one or more types of reactions via selection of reaction controls including selection of like or love or wow button, selection of ratings control to provide 1-5 stars ratings, inputted comments in text box or recorded voice comment by selecting voice comment control, referring place or named products to all or selected one or moreconnections of user, fill survey forms including options or wizard based short survey forms;receiving and storing, by the server in a storage medium, details of user provided said one or more types of reactions from the device and from the user client application of the user client device, wherein reaction details comprise provided type and associated values of reaction including like or love or wow, 1-5 stars ratings, recorded voice comments, user identity, identity of the device or the place or the entity;displaying, updated number of times like, comment, share or refer reaction and calculated average ratings, on the display of the device;outputting or playing or speaking, using the at least one speaker of the device, audible content or generated audible content comprising customized or programmed or predefined or concatenated or generated audible content based on type of reaction including like, wow, and love, ratings including 1-5 stars ratings, recorded voice comment or converted text to voice comments, share or refer to all or selected connections, name of the identified user or person, name of the identified place, number of times providing type of reaction by identified user, total number of times each type of reaction including updated number of likes, comments, shares or refers, average ratings, survey related question and selected option by user.

94. An electronic device comprising:a speaker;a microphone;a camera;a display;a communication interface;at least one processor electrically connected to the speaker, the microphone, and the communication interface; anda memory electrically connected to the processor,wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to:determining that the device is communicatively coupled to the user client application via one or more communication interface;identifying registered device associated identity;identifying identity of the user based on at least one of face recognition by capturing user face or body parts image(s) via device connected camera and sending said captured image(s) or video(s) to the server for matching said received image(s) or image(s) of video(s) with stored image(s) or image(s) of video(s) for identifying identity of user, selection of in-place device from the list of in-place devices from the user client application, sharing of user identity from the user client application or scanning, from the user client application, device attached or associated or human identified QR code or voice identity via device microphone or user device microphone and receiving, by the device, user identity from the server storge medium via user client application; enabling user to providing from the device, selection of one or more types of reaction keys including selection of like key for providing like, rate key for providing rating including 1-5 stars, comment key to start and end recording of voice comment or enabling user to provide one or more types of voice reactions via device microphone, wherein voice reactions including like or love or wow, 1-5 stars ratings, start and end recording of voice comments, referring place or named products to all or named one or more connections of user, complete survey form via selection of spoke options via voice, identifying reactions based on user’s video expressions by using device camera, enabling to provide video comments by using device camera;enabling user to providing from the identified or connected user client device, to the device, one or more types of reactions via selection of reaction controls including selection of like or love or wow button, selection of ratings control to provide 1-5 stars ratings, inputted comments in text box or recorded voice comment by selecting voice comment control, referring place or named products to all or selected one or more connections of user, fill survey forms including options or wizard based short survey forms, provide video reactions and video comments;receiving and storing, by the server in a storage medium, details of user provided said one or more types of reactions from the device and from the user client application of the user client device, wherein reaction details comprise provided type and associated values ofreaction including like or love or wow, 1-5 stars ratings, recorded voice comments, video reactions, video comments, user identity, identity of the device or the place or the entity; displaying, updated number of times like, comment, share or refer reaction and calculated average ratings, on the display of the device;outputting or playing or speaking, using the at least one speaker of the device, audible content or generated audible content comprising customized or programmed or predefined or concatenated or generated audible content based on type of reaction including like, wow, and love, ratings including 1-5 stars ratings, recorded voice comment or converted text to voice comments, shared or referred place to all or selected connections, name of the identified user or person, name of the identified place, number of times providing type of reaction by identified user, total number of times each type of reaction including updated number of likes, comments, shares or refers, average ratings, survey related question and selected option by user.

95. An electronic device comprising:a speaker;a microphone;a camera;a display;a communication interface;at least one processor electrically connected to the speaker, the microphone, and the communication interface; anda memory electrically connected to the processor,wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to:receiving, by at least one server from a display device integrated or connected camera, a connection or user’s identity request, wherein the request comprises an image of the user and place associated unique identity stored in the display device storage medium; comparing, by the at least one server, the image of the user from the connection or user’s identity request to the plurality of images corresponding to the plurality of users to identify user’s identity;sending, by the server, identity of user to the display device;based on received identity, by the display device, connecting or log-in or allowing to access display device to the identified user;enabling user or group of users or user accompanied or user client application connected group of users to providing from the display device, one or more types of reactions including video expressions by using connected in-place display device and based on live user’s or group of users expressions and voice before display device camera and using microphone, identifying one or more types of reactions including like, love, wow and ratings, provide or record video voice or comments by using display device camera and using microphone, real-time broadcast live video stream comments by user or group of users, by using display device camera and using microphone, to all in-place connected users, all or selected connections of user or all connections of group of users who are accompanied or connected with user via user’s client application or all users of network, select reaction application or interface and associated actions, and reactions controls from the display device and provide like, love, wow, ratings, text comment, refer or share to all or selected connections and all connections of group of users who are accompanied or connected with user via user’s client application, enabling user to select and fill survey form including multi option choice survey form for getting user’s feedback, reactions, complaint and suggestion by using display device and submit, take one or more photos and videos including individual or group photos or videos, individual or group photos or videos with products and persons in place with expressions and voice or video comments, enabling user to create post by using step-by-step guided wizard including capture or select or edit in-place user or group of users photo(s), video(s) with purchased products or consumed products, select user provided reactions including like, ratings, text, video or live stream recorded comments, selected or ordered products details, selected one or more types of place details, augment the post and publish in real-time in-place feed, online public feed or publish or share to selected connection of user or connections of group of users, view in feed or view searched or filtered or sorted real-time posted posts published by in-place connected users;displaying, updated number of times like, comment, share or refer reaction and calculated average ratings in the reaction application of the display device, displaying videocomments or live comments in the real-time feed or story or presentation or slide-show application of the display device;outputting or playing or speaking, using the at least one speaker integrated or connected with display device, audible content or generated audible content comprising customized or programmed or pre-defined or concatenated or generated audible content based on type of reaction including like, wow, and love, ratings including 1-5 stars ratings, recorded voice comment or converted text to voice comments, shared or referred place to all or selected connections, name of the identified user or each person of group of users accompanied with user or connected with / via user client application, name of the identified or connected place, number of times providing type of reaction by identified user or user accompanied or user client application connected users, total number of times each type of reaction including updated number of likes, comments, shares or refers, average ratings, survey related question and selected option by user.

96. An electronic device comprising:a speaker;a microphone;a camera;a display;a communication interface;at least one processor electrically connected to the speaker, the camera, the microphone, and the communication interface; anda memory electrically connected to the processor,wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to:receiving, by at least one server from a merchant client device, a payment request to initiate an in-store payment transaction between a user and a merchant, wherein the payment request comprises an image of the user;comparing, by the at least one server, the image of the user from the payment request to the plurality of images corresponding to the plurality of registered users to determine a user account associated with the user;obtaining, by the at least one server and from the user account associated with the user, a payment account for the user;sending a voice payment confirmation request to a speaker of merchant client device or client device associated with the payment account for the user, the payment confirmation request corresponding to the payment request to initiate the in-store payment transaction; receiving a voice confirmation response from the microphone of the user connected merchant client device or receiving a voice confirmation response or a confirmation from the notification from the client device to process the in-store payment transaction; and processing, using the payment account for the user, the in-store payment transaction based on the received confirmation response.

97. The electronic device of claim 96, wherein identifying user voice by using voice identity, voice identification, or voice biometrics based on precise voice capturing and recording device and voice identification software that recognizes speech and novel patterns compared to those already recognized, wherein voice identification confirms a voice belongs to a specific individual.

98. The electronic device of claim 96, wherein receiving, by at least one server from a merchant client device, a request to identify user’s identity, wherein the request comprises an image of the user; comparing, by the at least one server, the image of the user from the request to the plurality of images corresponding to the plurality of registered users to determine a user identity or a user account associated with the user; in the event of not identifying of user’s image, instructing user via voice to provide user’s details including at least name, phone number, age or date of birth and gender via voice from the microphone of the merchant client device; and receiving, by at least one server from a merchant client device, a registration request, wherein the registration request comprises an image of the user, user details including user name, phone number, age or date of birth and gender and storing in the storage medium user’s image and voice to text converted user details including generated user identity, user name, age or date of birth and gender.

99. The electronic device of claim 96, wherein receiving, by at least one server from a user client device, a request to register user, wherein the request comprises an image of the user, user’s details including at least name, phone number, age or date of birth and gender; and storing in the storage medium user’s image and user details including generated user identity, user name, age or date of birth and gender.

100. The electronic device of claim 96, wherein receiving, by at least one server from a user client device, a request to add one or more payment methods including bank account, cards including debit cards and credit cards, Unified Payment Interface (UPI) identity, Virtual Private Address (VPA); and storing, by the server, added one or more payment methods.

101. The electronic device of claim 96, wherein monitoring and tracking, by the server, identified identity associated user device current location and identifying current location associated place; and in the event of identified current location associated place is not sufficiently matched with place of device, not allowing user to conduct or process payment transaction and send notification about failed or fraud transaction with photo(s), video and voice to place merchant device, identified user’s device and one or more preset identified devices.

102. An electronic device comprising:a speaker;a microphone;a camera;a display;a communication interface;at least one processor electrically connected to the speaker, the camera, the microphone, and the communication interface; anda memory electrically connected to the processor,wherein the memory stores instructions, and the instructions are configured to cause the processor, when executed, to:identifying, identity of user, wherein identifying, identity of user at least one of based on selecting user from a displayed users by a merchant from the merchant client device, wherein displaying the user details including user name, user identity, photo(s), video(s), phone number, email address, address in the merchant client application based on at least one of monitored the user device current location, identifying the location associated identified place and detected that the user dwelled at said place for pre-set amount of time or recognizing face of the user by using camera device and face recognition technologies, recognizing voice of the user received from the microphone based on voice identity, receiving voice identity including phone number from the user, receiving fingerprint of the user by using fingerprint scan device;sending request, to the server, to identify, identified user associated privacy settings related to automatically making of bill payments to said identified place or place merchant associated payment account, wherein request comprises identified identity of user, billed amount and identity of place or merchant;based on identified privacy settings including identified that user has selected said identity associated place for allowing merchant to get billed amount payment from user via automatic payment method and checked associated one or more privacy settings including billed payment amount is less than or equal to the maximum amount allowed to pay via pay via automatic payment method to said selected place, automatically debit identified billed payment amount from the user’s pre-set or default payment account to the merchant’s payment account or bank account and notifying the user on the user device, payment confirmation notification.

103. The device of claim 102 wherein sending a payment confirmation request to a client device associated with the payment account for the user, the payment confirmation request corresponding to the payment request to initiate the in-store payment transaction; receiving a confirmation response from the client device to process the in-store payment transaction; and processing, using the payment account for the user, the in-store payment transaction based on the received confirmation response.

104. The device of claim 102 wherein privacy settings comprise maximum limit of payment amount per transaction, start date and time and end date and time, set payment confirmation required from the user before making payment and set payment confirmation communication methods including send payment confirmation via notification, SMS, email, phone call on user mobile device, select payment method including pay via Unified Payments Interface (UPI) including Unified Payments Interface (UPI) identity or Virtual Payment Address (VPA), net banking or bank account, cards including debit card, credit card, pay via automatic payment of installment, pay later, pay via redeemable points, payment wallet for making automatic payment to place(s).

105. The device of claim 102 wherein enabling place merchant to know billed amount equal availability of funds in the user’s account and in the event of identifying balance amount in user’s account less than billed amount or failing of payment transaction, informing user and instructing to make in-place payment or change payment method which having sufficient balance amount to make bill payment with automatic payment method.

106. The device of claim 102 wherein monitoring, tracking and receiving, by the sever, user device current location information; in the event of identifying user device current location associated identified place, displaying user details or profile details including user identity, one or more photos, videos, voice, name, phone number, email address, age, gender, address, current location information on maps in the said place related merchant client application; based on received or created or updated order from said in-place user or customer, allowing, merchant from the merchant client application, to select said user or customer from the displayed list of users or customers and associating said user’s order related calculated or updated billed payment amount; sending request, to the server, to identify selected identified user associated privacy settings; based on identified privacy settings, automatically debit billed amount from the user pre-set or default payment account to the merchant’s payment or bank account.

107. The device of claim 102 wherein select user from the displayed list of users based on human identification of face or body parts of the in-place or near counter person or ask touser, one or more types of details including phone number, pass code, user identity, user name.

108. The device of claim 102 wherein receiving, by the speaker device of the device, payment confirmation notification and generating by the device, voice payment confirmation notification and speaking or playing or audio outputting by the speaker device of device, voice payment confirmation notification.

109. A method for making a secure electronic automatic payment, comprising:receiving, by a system provider device via a network from a payer device, a payee account and a payment amount;associating, by the system provider device in a database, an automatic payment of payment amount instruction with the payee account;associating, by the system provider device in the database, the automatic payment instruction with a payer account that is linked to the payer device;automatically causing, by the system provider device for each of one or more instances in which it is determined that the user applied automatic payment privacy settings and preset or selected trigger(s) are satisfied, a payment of payment amount to be made from the payer account to the payee account designated by the automatic payment instruction.

110. The method of claim 109, further comprising: contactless identifying identity of the payee account associated use based on at least one of face identity, voice identity, fingerprint identity, selection of user by merchant from the merchant device, sharing order with user identity by current user in queue from user client application of the user device, retrieved identify from the Radio Frequency Identification (RFID) tag attached or integrated in customer device via Radio Frequency Identification (RFID) or retrieved identify from the Near Field Communication (NFC) tag attached or integrated in customer device via Near Field Communication (NFC) reader.

111. The method of claim 109, wherein auto pay user privacy settings for selected places and service providers comprise allowed maximum amount of payment via auto pay, turnon or turn off pay via auto pay payment method or option, start and end date within which allow to make automatic payment of due amount, select payment method or payment account, select allowed trigger when make automatic payment from user’s payment account or auto pay payment account to merchant’s payment account or auto pay payment account.

112. The method of claim 109, further comprising: wherein triggering of automatic payment based on one or more types of pre-defined or pre-set trigger or event, wherein type of trigger or event comprises merchant inputted confirm order, checkout, after expiration of pre-set duration, generating bill or invoice, sending bill or invoice, confirm receiving of order, confirm auto payment, select custom control to provide auto pay indication, after pre-set duration of identifying trigger, exit place geofence or place location, disconnect with place by selecting disconnect control, issuing voice command, select checkout via auto pay control or order added products in cart & auto pay control from online website including e-commerce website.

113. A system for making a secure electronic automatic payment, comprising:a non-transitory memory; andone or more hardware processors that are coupled to the non-transitory memory and configured to execute instructions to cause the system to perform operations comprising: receive, by a system provider device via a network from a payer device, a payee account and a payment amount;associate, by the system provider device in a database, an automatic payment of payment amount instruction with the payee account;associate, by the system provider device in the database, the automatic payment instruction with a payer account that is linked to the payer device;automatically causing, by the system provider device for each of one or more instances in which it is determined that the user applied automatic payment privacy settings and preset or selected trigger(s) are satisfied, a payment of payment amount to be made from the payer account to the payee account designated by the automatic payment instruction.

114. The system of claim 113, further comprising: wherein contactless identifying identity of the first user based on at least one of face identity, voice identity, fingerprint identity, selection of user by merchant from the merchant device, sharing order with user identity by current user in queue from user client application of the user device, retrieved identify from the Radio Frequency Identification (RFID) tag attached or integrated in customer device via Radio Frequency Identification (RFID) or retrieved identify from the Near Field Communication (NFC) tag attached or integrated in customer device via Near Field Communication (NFC) reader.

115. The system of claim 113, wherein auto pay user privacy settings for selected places and service providers comprise allowed maximum amount of payment via auto pay, turn on or turn off pay via auto pay payment method or option, start and end date within which allow to make automatic payment of due amount, select payment method or payment account, select allowed trigger when make automatic payment from user’s payment account or auto pay payment account to merchant’s payment account or auto pay payment account.

116. The system of claim 113, further comprising: wherein triggering of automatic payment based on one or more types of pre-defined or pre-set trigger or event, wherein type of trigger or event comprises merchant inputted confirm order, checkout, after expiration of pre-set duration, generating bill or invoice, sending bill or invoice, confirm receiving of order, confirm auto payment, select custom control to provide auto pay indication, after pre-set duration of identifying trigger, exit place geofence or place location, disconnect with place by selecting disconnect control, issuing voice command, select checkout via auto pay control or order added products in cart & auto pay control from online website including e-commerce website.

117. A method for making a secure electronic automatic payment between a first user and a first merchant, the method comprising:storing, by an automatic payment system, user information for a plurality of users including the first user, wherein the user information includes a user identifier and a payment account identifier corresponding to a payment account associated with each userof the plurality of users, wherein the automatic payment system is in communication with a plurality of merchant devices at a plurality of merchant places or locations or geofences;identifying, by the merchant device associated with the first merchant, identity of the first user and payment due amount;in the event of identifying the first user, automatically receiving, by the automatic payment system and from the user device, an authorization to automatically pay the first merchant for ordered products and services based on identified trigger and as per the first user provided privacy settings and preferences;identifying, by the merchant device, ordered products and services related to the first user;automatically transferring transaction information identifying the calculated billed amount for ordered products and services, identity of the first merchant and a identity of the first user from the merchant device to the automatic payment system; identifying, by the automatic payment system, a payment account associated with the identity of the first user; anddebiting, by the automatic payment system, the payment account associated with the identity of of the first user for the ordered products and services based on the authorization and crediting, by the automatic payment system, the payment account associated with the identity of the first merchant.

118. The method of claim 117, further comprising:identifying, by the merchant device associated with the first merchant, identity of the second user and payment due amount;in the event of identifying the second user, automatically receiving, by the automatic payment system and from the user device, an authorization to automatically pay the first merchant for ordered products and services based on identified trigger and as per the second user provided privacy settings and preferences;identifying, by the merchant device, ordered products and services related to the second user;automatically transferring transaction information identifying the calculated billed amount for ordered products and services, identity of the first merchant and a identity of the second user from the merchant device to the automatic payment system; identifying, by the automatic payment system, a payment account associated with the identity of the second user; anddebiting, by the automatic payment system, the payment account associated with the identity of of the second user for the ordered products and services based on the authorization and crediting, by the automatic payment system, the payment account associated with the identity of the first merchant.

119. The method of claim 117, further comprising: wherein contactless identifying identity of the first user based on at least one of face identity, voice identity, fingerprint identity, selection of user by merchant from the merchant device, sharing order with user identity by current user in queue from user client application of the user device, retrieved identify from the Radio Frequency Identification (RFID) tag attached or integrated in customer device via Radio Frequency Identification (RFID) or retrieved identify from the Near Field Communication (NFC) tag attached or integrated in customer device via Near Field Communication (NFC) reader.

120. The method of claim 117, wherein ordering products and services and generating bill via central global ordering and billing & invoicing system.

121. The method of claim 117, wherein create order based on selected products and services by user from user device client application or via place display device client application by user or counter person or via order taker person device with table identity by order taker, make voice order which automatically create order based on voice to text and text to select or create record technologies, create order on behalf of user by place counter person based on getting verbal order or automatically identify products or services based on user voice via voice recognition and automatically associate user identity or select and associate user identity by place counter person or based ooon voice order via place devicemicrophone, automatically identify products and services names, quantity and create order.

122. The method of claim 117, wherein after creating order automatically calculating bill including total amount of purchased products, services, various types of tax, automatically applied redeemable points, default tips, service charges, delivery charges (if user instructed delivery) and automatically generating and displaying ordered items details with identified and associated or selected user’s with order details and automatically generating invoice, bill and based on settings or input automatically print bill or invoice with or without token number.

123. The method of claim 117, wherein automatically generating auto pay payment confirmation notification and automatically sending auto pay payment confirmation notification to identified user for getting auto pay billed amount confirmation from user within pre-set duration and in the event of getting auto pay confirmation from user or after pre-set duration, automatically make billed amount payment from identified or selected user’s payment account to the place associated merchant’s payment or bank account.

124. The method of claim 117, wherein in the event of defaulting or non-payment of due payment amount within pre-set duration or rules, automatically make pending due amount from the insurance payment account to merchant’s payment account based on insurance policy, settings and rules including verification, and confirmation from authorized person.

125. The method of claim 117, wherein triggering of automatic payment based on one or more types of pre-defined or pre-set trigger or event, wherein type of trigger or event comprises merchant inputted confirm order, checkout, after expiration of pre-set duration, generating bill or invoice, sending bill or invoice, confirm receiving of order, confirm auto payment, select custom control to provide auto pay indication, after pre-set duration of identifying trigger, exit place geofence or place location, disconnect with place byselecting disconnect control, issuing voice command, select checkout via auto pay control or order added products in cart & auto pay control from online website including e- commerce website.

126. The method of claim 117, wherein associating user identity with user’s related order created by user or merchant.

127. The method of claim 117, wherein automatically creating user auto pay account, after registering user by receiving user registration details and successfully verify user by employing one or more verification techniques.

128. The method of claim 117, wherein establishing, by a payment system, a user auto pay account for a customer or user.

129. The method of claim 117, wherein establishing, by a payment system, a user account for a customer, the user account associated with a user application running on a user device, and the user application acquiring customer financial account information corresponding to one or more financial accounts of the customer, the customer financial account information being stored securely by the payment system in a user database.

130. The method of claim 117, wherein debiting amount from the user auto pay account for ordered products and services by user based on triggering of at least one auto payment trigger and after satisfying user privacy settings or rules.

131. The method of claim 117, wherein auto pay user privacy settings for selected places and service providers comprise allowed maximum amount of payment via auto pay, turn on or turn off pay via auto pay payment method or option, start and end date within which allow to make automatic payment of due amount, select payment method or payment account, select allowed trigger when make automatic payment from user’s payment account or auto pay payment account to merchant’s payment account or auto pay payment account.

132. The method of claim 117, wherein dynamically provide credits to user by one or more places, third parties credit providers including brands, and the auto pay network, wherein dynamically provide credits based on purchased branded products and services, user location, past purchases at place(s), user profile including age, gender, education, skills, income range, interest, school, college, business, job details, monitored and tracked user activities, actions, participated events, transacted and visited locations and places, updated status related data.

133. The method of claim 117, wherein automatically creating merchant auto pay account, after registering merchant and palce of merchant by receiving merchant and merchant place registration details and successfully verifying merchant and merchant place by employing one or more verification techniques.

134. The method of claim 117, wherein establishing, by the payment system, a merchant auto pay account for a merchant place or service provider.

135. The method of claim 117, wherein crediting amount to the merchant auto pay account for ordered products and services by user based on triggering of at least one auto payment trigger and after satisfying user privacy settings or rules.

136. The method of claim 117, wherein establishing, by the automatic payment system, a merchant account for a merchant place, the merchant account associated with a merchant application running on a merchant device located at the merchant place, and the merchant application acquiring merchant financial account information corresponding to one or more financial accounts of the merchant place, the merchant financial account information being stored securely by the payment system in a merchant database.

137. The method of claim 117, wherein based on the user’s update bill request, update and share updated bill, user’s return request, make auto refund, user’s refund request for charging wrong, after review make auto refund.

138. The method of claim 117, wherein receiving request, by the user device from the automatic payment system, payment confirmation via payment confirmation notification with payment confirmation action control and in the event of confirming payemtn by selecting payment confirmation action control, automatically make payment from the identified user’s auto pay account to the identified merchant’s auto pay account.

139. A system for making a secure electronic automatic payment between a first user and a first merchant, the method comprising:store, by an automatic payment system, user information for a plurality of users including the first user, wherein the user information includes a user identifier and a payment account identifier corresponding to a payment account associated with each user of the plurality of users, wherein the automatic payment system is in communication with a plurality of merchant devices at a plurality of merchant places or locations or geofences; identify, by the merchant device associated with the first merchant, identity of the first user and payment due amount;in the event of identifying the first user, automatically receive, by the automatic payment system and from the user device, an authorization to automatically pay the first merchant for ordered products and services based on identified trigger and as per the first user provided privacy settings and preferences;identify, by the merchant device, ordered products and services related to the first user; automatically transfer transaction information identifying the calculated billed amount for ordered products and services, identity of the first merchant and a identity of the first user from the merchant device to the automatic payment system;identify, by the automatic payment system, a payment account associated with the identity of the first user; anddebiting, by the automatic payment system, the payment account associated with the identity of of the first user for the ordered products and services based on the authorization and crediting, by the automatic payment system, the payment account associated with the identity of the first merchant.

140. The system of claim 139, further comprising:identify, by the merchant device associated with the first merchant, identity of the second user and payment due amount;in the event of identifying the second user, automatically receive, by the automatic payment system and from the user device, an authorization to automatically pay the first merchant for ordered products and services based on identified trigger and as per the second user provided privacy settings and preferences;identify, by the merchant device, ordered products and services related to the second user; automatically transfer transaction information identifying the calculated billed amount for ordered products and services, identity of the first merchant and a identity of the second user from the merchant device to the automatic payment system;identify, by the automatic payment system, a payment account associated with the identity of the second user; anddebiting, by the automatic payment system, the payment account associated with the identity of of the second user for the ordered products and services based on the authorization and crediting, by the automatic payment system, the payment account associated with the identity of the first merchant.

141. The system of claim 139, further comprising: wherein contactless identifying identity of the first user based on at least one of face identity, voice identity, fingerprint identity, selection of user by merchant from the merchant device, sharing order with user identity by current user in queue from user client application of the user device, retrieved identify from the Radio Frequency Identification (RFID) tag attached or integrated in customer device via Radio Frequency Identification (RFID) or retrieved identify from the Near Field Communication (NFC) tag attached or integrated in customer device via Near Field Communication (NFC) reader.

142. The system of claim 139, wherein ordering products and services and generating bill via central global ordering and billing & invoicing system.

143. The system of claim 139, wherein create order based on selected products and services by user from user device client application or via place display device client application by user or counter person or via order taker person device with table identity by order taker, make voice order which automatically create order based on voice to text and text to select or create record technologies, create order on behalf of user by place counter person based on getting verbal order or automatically identify products or services based on user voice via voice recognition and automatically associate user identity or select and associate user identity by place counter person or based ooon voice order via place device microphone, automatically identify products and services names, quantity and create order.

144. The system of claim 139, wherein after creating order automatically calculating bill including total amount of purchased products, services, various types of tax, automatically applied redeemable points, default tips, service charges, delivery charges (if user instructed delivery) and automatically generating and displaying ordered items details with identified and associated or selected user’s with order details and automatically generating invoice, bill and based on settings or input automatically print bill or invoice with or without token number.

145. The system of claim 139, wherein automatically generating auto pay payment confirmation notification and automatically sending auto pay payment confirmation notification to identified user for getting auto pay billed amount confirmation from user within pre-set duration and in the event of getting auto pay confirmation from user or after pre-set duration, automatically make billed amount payment from identified or selected user’s payment account to the place associated merchant’s payment or bank account.

146. The system of claim 139, wherein in the event of defaulting or non-payment of due payment amount within pre-set duration or rules, automatically make pending due amount from the insurance payment account to merchant’s payment account based oninsurance policy, settings and rules including verification, and confirmation from authorized person.

147. The system of claim 139, wherein triggering of automatic payment based on one or more types of pre-defined or pre-set trigger or event, wherein type of trigger or event comprises merchant inputted confirm order, checkout, after expiration of pre-set duration, generating bill or invoice, sending bill or invoice, confirm receiving of order, confirm auto payment, select custom control to provide auto pay indication, after pre-set duration of identifying trigger, exit place geofence or place location, disconnect with place by selecting disconnect control, issuing voice command, select checkout via auto pay control or order added products in cart & auto pay control from online website including e- commerce website.

148. The system of claim 139, wherein associating user identity with user’s related order created by user or merchant.

149. The system of claim 139, wherein automatically creating user auto pay account, after registering user by receiving user registration details and successfully verify user by employing one or more verification techniques.

150. The system of claim 139, wherein establishing, by a payment system, a user auto pay account for a customer or user.

151. The system of claim 139, wherein establishing, by a payment system, a user account for a customer, the user account associated with a user application running on a user device, and the user application acquiring customer financial account information corresponding to one or more financial accounts of the customer, the customer financial account information being stored securely by the payment system in a user database.

152. The system of claim 139, wherein debiting amount from the user auto pay account for ordered products and services by user based on triggering of at least one auto payment trigger and after satisfying user privacy settings or rules.

153. The system of claim 139, wherein auto pay user privacy settings for selected places and service providers comprise allowed maximum amount of payment via auto pay, turn on or turn off pay via auto pay payment method or option, start and end date within which allow to make automatic payment of due amount, select payment method or payment account, select allowed trigger when make automatic payment from user’s payment account or auto pay payment account to merchant’s payment account or auto pay payment account.

154. The system of claim 139, wherein dynamically provide credits to user by one or more places, third parties credit providers including brands, and the auto pay network, wherein dynamically provide credits based on purchased branded products and services, user location, past purchases at place(s), user profile including age, gender, education, skills, income range, interest, school, college, business, job details, monitored and tracked user activities, actions, participated events, transacted and visited locations and places, updated status related data.

155. The system of claim 139, wherein automatically creating merchant auto pay account, after registering merchant and palce of merchant by receiving merchant and merchant place registration details and successfully verifying merchant and merchant place by employing one or more verification techniques.

156. The system of claim 139, wherein establishing, by the payment system, a merchant auto pay account for a merchant place or service provider.

157. The system of claim 139, wherein crediting amount to the merchant auto pay account for ordered products and services by user based on triggering of at least one auto payment trigger and after satisfying user privacy settings or rules.

158. The system of claim 139, wherein establishing, by the automatic payment system, a merchant account for a merchant place, the merchant account associated with a merchant application running on a merchant device located at the merchant place, and the merchant application acquiring merchant financial account information corresponding to one or more financial accounts of the merchant place, the merchant financial account information being stored securely by the payment system in a merchant database.

159. The system of claim 139, wherein based on the user’s update bill request, update and share updated bill, user’s return request, make auto refund, user’s refund request for charging wrong, after review make auto refund.

160. The system of claim 139, wherein receiving request, by the user device from the automatic payment system, payment confirmation via payment confirmation notification with payment confirmation action control and in the event of confirming payemtn by selecting payment confirmation action control, automatically make payment from the identified user’s auto pay account to the identified merchant’s auto pay account.

161. A method for making a secure electronic payment later between a first user and a first merchant, the method comprising:storing, by a payment system, user information for a plurality of users including the first user, wherein the user information includes a user identifier and a payment account identifier corresponding to a payment account associated with each user of the plurality of users, wherein the payment system is in communication with a plurality of merchant devices at a plurality of merchant places or locations or geofences;identifying, by the merchant device associated with the first merchant, identity of the first user and payment due amount; in the event of identifying the first user, receiving, by the payment system and from the user device, an authorization to pay the first merchant for ordered products and services based on pay later settings provided by the first merchant; identifying, by the merchant device, ordered products and services related to the first user; automatically transferring transaction information identifying the calculated billedamount for ordered products and services, identity of the first merchant and a identity of the first user from the merchant device to the payment system; identifying, by the payment system, a payment account associated with the identity of the first user; sending, by the payment system, payment confirmation notification to the first user and in the event of payment confirmation or in the event of non-accepting payment confirmation within pre-set duration, debiting, by the payment system, the payment account associated with the identity of of the first user for the ordered products and services based on the authorization and crediting, by the automatic payment system, the payment account associated with the identity of the first merchant, wherein in the event of non-payment of due amount or part due amount, based on settings, enabling to pay due amount based on installments or pay later as per rules including schedule and interest or debiting, by the payment system, the insurance payment account associated with the identity of of the insurance provider for the pending due for ordered products and services by th first user based on the insurance provider authorization and crediting, by the payment system, the payment account associated with the identity of the first merchant.

162. The method of claim 161, further comprising: contactless identifying identity of the payment account associated use based on at least one of face identity, voice identity, fingerprint identity, selection of user by merchant from the merchant device, sharing order with user identity by current user in queue from user client application of the user device, retrieved identify from the Radio Frequency Identification (RFID) tag attached or integrated in user or customer device via Radio Frequency Identification (RFID) reader or retrieved identify from the Near Field Communication (NFC) tag attached or integrated in user or customer device via Near Field Communication (NFC) reader.

163. The method of claim 161, wherein auto pay privacy settings by place merchant comprise allowed maximum amount of payment via auto pay, turn on or turn off pay via auto pay payment method or option, start and end date within which allow to make automatic payment of due amount, select allowed trigger when make automatic payment from user’s payment account or auto pay payment account to merchant’s paymentaccount or auto pay payment account, wherein auto pay triggers comprise pre-set duration after sending payment confirmation notification, in the event of non-payment of pending due amount after pre-set duration, allowing to pay via installments or pay later as per rules including schdules, and interest, in the event of non-payment of pending due amount after pre-set duration, transferring pending payment amount due from the insurance payment account to the user payment account.

164. A system for making a secure electronic payment later between a first user and a first merchant, the method comprising:store, by a payment system, user information for a plurality of users including the first user, wherein the user information includes a user identifier and a payment account identifier corresponding to a payment account associated with each user of the plurality of users, wherein the payment system is in communication with a plurality of merchant devices at a plurality of merchant places or locations or geofences; identifying, by the merchant device associated with the first merchant, identity of the first user and payment due amount; in the event of identifying the first user, receive, by the payment system and from the user device, an authorization to pay the first merchant for ordered products and services based on pay later settings provided by the first merchant; identify, by the merchant device, ordered products and services related to the first user; automatically transfer transaction information identifying the calculated billed amount for ordered products and services, identity of the first merchant and a identity of the first user from the merchant device to the payment system; identify, by the payment system, a payment account associated with the identity of the first user; send, by the payment system, payment confirmation notification to the first user and in the event of payment confirmation or in the event of non-accepting payment confirmation within pre-set duration, debiting, by the payment system, the payment account associated with the identity of of the first user for the ordered products and services based on the authorization and crediting, by the automatic payment system, the payment account associated with the identity of the first merchant, wherein in the event of non-payment of due amount or part due amount, based on settings, enabling to pay due amount based on installments or pay later as per rules including schedule and interest or debiting, by thepayment system, the insurance payment account associated with the identity of of the insurance provider for the pending due for ordered products and services by th first user based on the insurance provider authorization and crediting, by the payment system, the payment account associated with the identity of the first merchant.

165. The system of claim 164, further comprising: contactless identifying identity of the payment account associated use based on at least one of face identity, voice identity, fingerprint identity, selection of user by merchant from the merchant device, sharing order with user identity by current user in queue from user client application of the user device, retrieved identify from the Radio Frequency Identification (RFID) tag attached or integrated in user or customer device via Radio Frequency Identification (RFID) reader or retrieved identify from the Near Field Communication (NFC) tag attached or integrated in user or customer device via Near Field Communication (NFC) reader.

166. The system of claim 164, wherein auto pay privacy settings by place merchant comprise allowed maximum amount of payment via auto pay, turn on or turn off pay via auto pay payment method or option, start and end date within which allow to make automatic payment of due amount, select allowed trigger when make automatic payment from user’s payment account or auto pay payment account to merchant’s payment account or auto pay payment account, wherein auto pay triggers comprise pre-set duration after sending payment confirmation notification, in the event of non-payment of pending due amount after pre-set duration, allowing to pay via installments or pay later as per rules including schedules, and interest, in the event of non-payment of pending due amount after pre-set duration, transferring pending payment amount due from the insurance payment account to the user payment account.

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