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1. (WO2019043550) SYSTEM AND METHOD OF PERFORMING A FINANCIAL TRANSACTION
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CLAIMS

1 . A system for handling/attending to a payment request to pay a particular entity, wherein the system includes:

a communication module which is configured to receive a payment request from/on behalf of a client to pay the particular entity; and

a micro-service control arrangement which is configured to retrieve a client-customised computer program for the particular client and execute it.

2. The system of claim 1 , which includes:

a transaction module which is configured to send information on the payment request to the micro-service control arrangement,

wherein the micro-service control arrangement is configured to retrieve the client-customised computer program for the particular client and execute it in an environment which is isolated from the transaction module.

3. The system of claim 2, wherein the micro-service control arrangement is configured, by executing the client-customised computer program, to determine whether to accept or decline the payment request based on one or more custom rules which were created/added by the client, and send an indication of the decision to the transaction module.

4. The system of claim 3, wherein the transaction module is configured to receive the indication to proceed or decline with the payment request from the micro-service control arrangement; and

either

decline the payment request, when the received indication is to decline the request, or

proceeding with the payment request, when the received indication is to proceed with the payment request, by transferring money from a first account which is associated with the client into a second account which is associated with the particular entity.

5. The system of claim 3, wherein the client-customised computer program is provided in a secure sandbox environment.

6. The system of claim 3, wherein the micro-service control arrangement is configured to provide a micro-service architecture within a secure sandbox environment.

7. The system of claim 5, wherein the micro-service control arrangement is configured to

receive instructions from a client to change/add rule(s) which is/are specifically relevant to an account which is associated with the client, and

incorporate the changes/additions to the rule(s) into the client-customised computer program for the particular client.

8. The system of claim 7, which includes a client interface via which a client can log into the system and change/add rule(s) which is/are specifically relevant to the account.

9. The system of claim 3, wherein the communication module is configured to receive the payment request via a communication network.

10. The system of claim 3, wherein the communication module is configured to receive the payment request via a communication network from a computing/payment terminal.

1 1 . The system of claim 4, wherein the first account is the client's account.

12. The system of claim 4, wherein the first and second accounts are bank accounts.

13. The system of claim 12, wherein the payment request is received from a bankcard terminal.

14. A system for performing/facilitating a financial transaction, wherein the system includes:

a communication module which is configured to receive a payment request from/on behalf of a client to pay the particular entity; and

a micro-service control arrangement which is configured to retrieve a client-customised computer program for the particular client and execute it.

15. The system of claim 14, which includes:

a transaction module which is configured to send information on the payment request to the micro-service control arrangement,

wherein the micro-service control arrangement is configured to retrieve the client-customised computer program for the particular client and execute it in an environment which is isolated from the transaction module.

16. The system of claim 15, wherein the micro-service control arrangement is configured, by executing the client-customised computer program, to determine whether to accept or decline the payment request based on one or more custom rules which were created/added by the client, and send an indication of the decision to the transaction module.

17. The system of claim 16, wherein the transaction module is configured to receive the indication to proceed or decline with the payment request from the micro-service control arrangement; and

either

decline the payment request, when the received indication is to decline the request, or

proceeding with the payment request, when the received indication is to proceed with the payment request, by transferring money from a first account which is associated with the client into a second account which is associated with the particular entity.

18. The system of claim 16, wherein the client-customised computer program is provided in a secure sandbox environment.

19. The system of claim 16, wherein the micro-service control arrangement is configured to provide a micro-service architecture within a secure sandbox environment.

20. The system of claim 18, wherein the micro-service control arrangement is configured to

receive instructions from a client to change/add rule(s) which is/are specifically relevant to an account which is associated with the client, and

incorporate the changes/additions to the rule(s) into the client-customised computer program for the particular client.

21 . The system of claim 20, which includes a client interface via which a client can log into the system and change/add rule(s) which is/are specifically relevant to the account.

22. The system of claim 16, wherein the communication module is configured to receive the payment request via a communication network.

23. The system of claim 16, wherein the communication module is configured to receive the payment request via a communication network from a computing/payment terminal.

24. The system of claim 17, wherein the first and second accounts are bank accounts.

25. The system of claim 24, wherein the payment request is received from a bankcard terminal.

26. A method of handling/attending to a payment request or performing/facilitating a financial transaction, wherein the method includes:

receiving a payment request from, or on behalf of, a client to pay a particular entity;

send information on the payment request to a micro-service control arrangement; and

retrieving a client-customised computer program for the particular client and executing it.

27. The method of claim 26, wherein the execution step more specifically includes executing the client-customised computer program in an isolated environment.

28. The method of claim 27, which includes determining whether to accept or decline the payment request based on one or more custom rules provided/included in the client-customised computer program.

29. The method of claim 28, which further includes sending an indication of the decision to a transaction module.

30. The method of claim 29, which includes, at the transaction module, either

declining the payment request, when the received indication is to decline the request, or

proceeding with the payment request, when the received indication is to proceed with the payment request, by transferring money from a first account which is associated with the client into a second account which is associated with the particular entity.

31 . The method of claim 26, wherein the client-customised computer program is executed by a processor of the micro-service control arrangement.

32. The method of claim 31 , wherein the client-customised computer program is provided in a secure sandbox environment.

33. The method of claim 31 , wherein the micro-service control arrangement is configured to provide a micro-service architecture within a secure sandbox environment.

34. The method of claim 30, which includes allowing a client to edit one or more rules which relate to payments from the first account which is associated with the client, within a secure sandbox environment.

35. The method of claim 34, which includes receiving instructions on one or more rules from a client for his specific client-customised computer program via a client portal.

36. A method of controlling/regulating at least part of a financial transaction, wherein the method includes:

receiving information on a payment request from a client; and within a micro-service(s) architecture, determining whether to accept or decline the payment request based on one or more custom rules which were created/added by the client.

37. A method of adapting/changing rules for financial transactions, wherein the method includes:

receiving login information from a client via a computing terminal; providing the client with a secure, isolated/sandboxed environment within which the client can add/change one or more rules which relate to financial transactions related to his/her account;

implementing the one or more rules when a payment instruction for the client is received.

38. A system for facilitating a financial transaction, wherein the system includes:

a communication module which is configured to receive a payment request from a client to pay a particular entity;

an identification module which is configured to determine whether an amount of the payment, or at least part thereof, is sponsored by a third party, and is so

transferring the payment amount, or at least part thereof, from an account of the third party to either an account of the client or the entity.

39. A method for facilitating a financial transaction, wherein the method includes:

receiving a payment request from a client to pay a particular entity; determining whether an amount of the payment, or at least part thereof, is sponsored by a third party, and if so transferring the payment amount, or at least part thereof, from an account of the third party to either an account of the client or the entity.