A method for validating electronic transactions using a private blockchain includes: storing a blockchain wherein the blockchain is a distributed database that includes a plurality of data records each being associated with a processed transaction; receiving a transaction message the transaction message including a ...

A method of converting digital assets into a transaction currency is described that it suitable for use in a transaction system that is not adapted for transactions using the digital assets. The digital assets are stored so that they can be used with one or more exchanges adapted for conversion of the digital assets...

A method for generating payment credentials in a payment transaction includes: storing in a memory at least a single use key associated with a transaction account; receiving by a receiving device a personal identification number; identifying by a processing device a first session key; generating by the proces...

A method for confirmation of an electronic transaction using a blockchain includes: receiving transaction data the transaction data including a transaction amount and currency code; generating a transaction message formatted based on one or more standards including a first data element configured to store the transa...

A method for processing a guaranteed electronic transaction, includes: storing account profile, each include an account number and balance; receiving a transaction message from an acquiring financial institution via a payment network, the message including a specific account number, transaction amount, and payment g...

A method for receiving and processing a data message includes: storing at least an encryption key; receiving a data message the data message including at an encrypted message and a message authentication code the message authentication code generated using at least a portion of the encrypted message; generating a ...

A method for conducting an offline data exchange associated with a blockchain includes: storing a structured data set associated with a blockchain network, the data set including a network identifier, unspent output hash, output index, output value, and key pair; receiving the network identifier and a transaction am...

A method of transferring information with verification from a first party to a second party using suitably programmed computing apparatus is described. Information from a first party private address to a first party public address. This information is then sent from the first party public address to a second party a...

A method for using digital signatures for signing blockchain transactions includes: generating a domain key pair comprising a domain private key and a domain public key wherein the domain public key is signed after generation; receiving a plurality of member public keys wherein each member public key is received fro...

A method and system for evaluating a risk of fraud in a payment card transaction using a computer device coupled to a database are provided. The method includes receiving payment card transaction messages relating to a payment card account wherein the payment card transaction messages relate to interactions with a c...

Disclosed herein is a computer implemented method for requesting a transfer of data the method comprising: transmitting a first request for a transfer of data in response to the use of a user device; determining that the first request for the transfer of data has been declined; detecting an event that indicates that...

A system for managing a loan for purchase of a product by a consumer, the system comprising a server communicable with the product, the server having a processor and a memory configured to store computer-readable instructions, wherein the instructions are executed upon receipt, by the server, of a notification in...

A method for recovery of missing or extra data using a bloom filter includes: storing a plurality of transaction messages, each including a transaction value; generating a bloom filter of the transaction messages, the bloom filter being generated using a number of hash rounds and with a size at least double the numb...

A commodity pricing transaction system comprising: a first secure server arranged to store unique identification (UIO) data corresponding to a plurality of persons; a transaction network arranged to mediate at least a portion of transaction data corresponding to a transaction between a first of the plurality of ...

Acomputer system such a s a payment gateway computer system , identifies one or more ATMs which are close to a first location, determines whether they are able to dispense cash to users (e.g. a specified amount of cash specified by a user), and transmits that information to a user . The process may be ...

Methods apparatus and systems are described for securely authenticating a person at an appropriate level of security depending on context without having to enter any passwords. In some embodiments a meta wallet processor receives a request for user authentication from a user device which includes a meta wallet ident...

A method for addition of a block to a permissioned blockchain using efficient consensus includes: storing a blockchain; receiving transaction messages having transaction values from consensus nodes; generating a Merkle root for the transactions messages using transaction references; generating a proposed block heade...

TRANSPORT SYSTEM USER INSPECTION Disclosed herein is a method of inspecting a user device of a user of a transport system the method comprising: obtaining 403 by a portable inspection device 2 identification data of a user device of a user of a transport system; generating 405 an inspection result of the user device...

A remote transaction system comprising: a first secure server arranged to store unique identification (UID) data corresponding to a plurality of persons; a transaction network arranged to mediate at least a portion of transaction data corresponding to a transaction between a first of the plurality of persons an...

Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on desired spending limit parameters established by a merchant and/or an issuer of the device facilitating obtaining an is...

A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifyin...

A method for verification of user identity includes: storing account profiles each profile including data related to a user account of a non financial institution (NFI) entity including an account identifier and an address; receiving a transaction request the request including a specific account identifier and a tra...

A method of tracking tagged transaction data corresponding to transactions between users and merchants is provided. The method includes receiving by the tag tracking computing d plurality of transaction signals including a plurality of transaction data associated with the transactions. The method further includes re...

A method for validating blockchain transactions using a transaction processing network includes: storing one or more authentication rules configured to authenticate an electronic transaction and one or more verification rules configured to verity a blockchain transaction; receiving a transaction message including a ...

Abstract METHODS AND SYSTEMS FOR PROCESSING PAYMENT TRANSACTIONS A computer implemented method of processing a payment transaction is disclosed. The method comprises: receiving, in a payment processing server, an indication of an account associated with a payer; receiving, in the payment processing server, rec...

A system and method of modifying an execution of a processing system during runtime are provided. The method uses a computing device having at least one processor and at least one memory device and includes receiving an indication of data or instructions being available for modifying the execution of the processing ...

An automated teller machine and a method thereof comprising a reading unit (201) configured to receive identification data from an electronic payment device; a personalization unit (202) configured t5 o retrieve predefined details linked to said identification data, access one or more media items and determine a ...

A method and system for correlating cardholder identity attributes on a payment card interchange network using a computer device coupled to a database are provided. The method includes storing at a central store personally identifiable information from an issuer for a plurality of payment card cardholders the person...

Systems and methods for processing payment transactions involving reward accounts are disclosed. One exemplary method includes receiving an authorization request for a payment transaction involving a reward account. The authorization request includes at least a transaction amount. The method also includes determinin...

A method for distributing multiple cryptographic keys used to access data includes: receiving a data signal superimposed with an access key request wherein the access key request includes at least a number n greater than 1 of requested keys; generating n key pairs using a key pair generation algorithm wherein each k...

A method for propagating configuration data using a blockchain includes: storing a blockchain comprised of a plurality of blocks each being comprised of a block header having a timestamp and one or more configuration transactions; receiving one or more configuration data items; generating a new configuration transac...

A method for conveying a data message using a public ledger includes: generating by a generation module of a processing server a data message wherein the data message comprises one or more data values; electronically transmitting by a transmitting device of the processing server a data signal superimposed with the g...

A method for generating a segmented blockchain includes: storing a first blockchain the blockchain being comprised of blocks including a recent block the recent block including a corresponding block header and transaction values; generating a recent hash value via hashing the corresponding block header; writing a te...

A dropped payment file is obtained at a computing device of an operator of an electronic funds transfer bill payment system from a client of such system. The dropped payment file includes data associated with at least one unsuccessful attempt to match payment data to a corresponding biller. The data in the dropped p...

A method is described for providing user authentication and user consent for a transaction made with a payment device. A user authentication step is taken to verify that a user is entitled to use the payment device and a user consent step is taken to verify that the user consents to the transaction. The user authent...

Methods media and systems directed to a platform for receiving from at least one external user of an authentication system a record including customer information for the external user and associated with at least an enrollment of the at least one external user to the authentication system; receiving by a computer i...

A method for processing a coupon in a near field transaction includes: receiving by near field communication payment details and a coupon record; identifying if the coupon record is valid by comparing the coupon record to a stored configuration profile; modifying the transaction amount for the transaction based on...

An application having an application architecture including an application programming interface (API) client capable of automatically retrieving a passphrase from a secure passphrase vault based on a user authentication ID used to access the application is provided. The passphrase is used to access a secure file tr...

A computer implemented method of performing a transaction using a payment account typically handled by a payment account manager (PAM) comprises the steps of: receiving a first message from a top up terminal indicating that funds have been transferred to the payment account; setting or adjusting a funds limit of the...

The invention provides a method of updating time in a transaction between a transaction device and an offline terminal. Firstly a transaction is initiated (401) between a transaction device and an offline terminal. A stored trusted time value is then provided and another trusted time value received (402). Each trust...

Systems and methods are provided for transferring value from to a payment account associated with a virtual wallet of a consumer. The value can be transferred using voucher based transactions or cash based transactions. One exemplary method includes receiving at a computing device a load request to transfer value to...

Methods and systems for providing cardholder authentication services on behalf of (OBO) issuers utilizing a payment card authorization network to bridge cardholder authentication and transaction authorization processes. In some embodiments the process includes an OBO issuer service computer receiving an authenticati...

A computer system for use with a memory device for facilitating person to person electronic payments from a payor to an account associated with a payee is provided. A payee account identifier and a payee identifier are stored in the memory device. The payor submits a request for a transfer of funds from a payor acco...

A method for electronically processing change in a cash transaction includes: storing a plurality of account profiles each profile including data related to a consumer including a phone number associated with a mobile communication device and a currency amount; receiving a short message service (SMS) message from a ...

A computer system for use with a memory device for facilitating electronic payments to a payee from an account associated with a payor is provided. Payor profile information is stored in the memory device which payor profile information is associated with the payor. A token identifier is created which is associated ...

A computer implemented method for extending a payment network via a rapidly deployable telecommunications (RDT) network is provided. The method is implemented using a computer device coupled to a memory device. The method includes pre assembling a network kit including a plurality of networking components for deploy...

A method and system for processing raw address data using a computer device coupled to a database are provided. The method includes receiving at the network interface device a first network message containing financial transaction data from a first one of a plurality of multiprotocol label switching networks determi...

According to some embodiments an asset confirmation platform may receive transaction information about a purchase being made by a customer from a merchant. Responsive to the received transaction information the asset confirmation platform may automatically determine a monetary value of at least one asset owned by ...

A SYSTEM AND A METHOD FOR OPTIMIZING SUPPLY OF RENTAL VEHICLES A system and a method for optimizing supply of rental vehicles, comprising receiving customer data associated with a plurality of customers from a plurality of sources; classifying the customers into a plurality of segments, based on said data, each seg...

Systems apparatus and methods for providing an un personalized and un embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider computer receiving an approval request from an agent device for a mobile companion prepaid card for a consumer. The proce...

A computer-based method for paying a bill using a transaction card account is performed using an interchange computer coupled to a memory. The method includes submitting bill pay data by a consumer for processing by a bill payment outsourcer, receiving the bill pay data and an authorization message, processing the b...

A METHOD FOR TRANSFERRING FUNDS TO A DIGITAL WALLET ABSTRACT The present invention discloses a system and method for transferring funds to a digital wallet through an ATM terminal including reading a payment card at an ATM terminal, receiving user input relating to a mobile number associated with the digital w...

A system and a computer based method for providing bundled services to a client application in a service call to a service system in a service provider computer system includes receiving a message defining an API service request comprising at least a parameter portion and a payload portion determining at the gateway...

A method for authorizing a blockchain based transaction includes: receiving a transaction request the request including a network identifier associated with a blockchain network a transaction amount and one of: a public key and an address identifier; generating an address identifier using at least the public key inc...

Methods media and systems to receive a request for an authentication value for a transaction in an application programming interface (API) call from a software application; determine the request for the authentication value includes an indication of a first transaction type; generate in response to the determination...

An authorization request for a payment transaction is obtained from a given one of a plurality of billers over a payment network having a standard clearing and settlement time period. Via the payment network a special incremental payments approval authorization request response to the authorization request for the p...

Systems methods apparatus and computer program code are provided to receive payment card and mobile identity information from a mobile device associated with a user determine account and mobile device eligibility and capability and in the case where the mobile device is NFC capable triggering a tokenization process ...

A method for linking a transaction account to an offer includes: storing a plurality of account profiles each profile including data related to a transaction account including an account identifier; receiving offer data from an entity the data including data related to an offer for the purchase of goods or services;...

Systems devices and methods are directed toward authenticating users to provide access to the users. A portable communication device suitable for use in authenticating a user includes a memory including a reference biometric for a user a biometric reader and a processor coupled to the memory and biometric reader. Th...

A credit account is established for a merchant. A variable credit limit is set for the credit account. An indication is received that the merchant has accepted a payment account transaction to be charged to a customer s payment account. A transaction amount may be associated with the payment account transaction. The...

A method for fraud control of a transaction account based on geolocation includes: storing in an account database an account profile including data related to a transaction account including a first profile rule associated with a first geographic area and a second profile rule associated with a second geographic are...

A transaction processing system for sending user information data to a personal device and an associated method are provided. The system comprises: a personal device such as a balance display card; an interface device such as a card reader for transmitting data to and from the card; a communications network connecti...

The present disclosure generally relates to a computerized method implemented, in part, on a server for processing a payment transaction between a merchant and a customer, the server being operative within or communicatively linked to a payment network. The method comprises: receiving, by the server, merchant identi...

A method of performing a transaction using a first computing device (la) and a second computing device (lb) is described. A local data connection is established (3 1) between the first computing device and the second computing device. An amount to transfer is identified (32) at either the first computing device...

An electronic payment system for conducting transactions by presenting a contact less payment card to a card reader. The card reader is configured to process transactions when only one card is present in its operating field. The card reader uses collision detection and avoidance algorithms (302-309) to detect and re...

Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment is designed to simulate the external behavior of a variety of payment devices that are currently or expected to be deployed in electronic pa...

A secure distribution system comprising: a first secure server arranged to store unique identification (UID) data corresponding to a plurality of persons; a transaction network arranged to mediate at least a portion of transaction data corresponding to a transaction between a first of the plurality of persons a...

A secure distribution system comprising: a first secure server arranged to store unique identification (UID) data corresponding to a plurality of persons; a transaction network arranged to mediate at least a portion of transaction data corresponding to a transaction between a first of the plurality of persons a...

A reference reader is provided for testing contactless electronic payment cards whose data transmissions are via weak load modulated RF carrier signals. The reference reader includes a reader antenna and a coupled common mode rejection circuit. The common mode rejection circuit is configured to demodulate carrier si...

The present invention provides a system and method for using an organization's existing ERP to perform automated reconciliation of purchasing card transactions. A buyer receives invoices from a supplier requesting payment for goods or services. The buyer's ERP validates the invoice using, for example, a three-way ma...

A proximity device (102) transmits a first dynamic authentication value contactlessly to a terminal. The first authentication value is included in a discretionary data field of message data arranged in an ISO Track 1 and/or ISO Tract 2 format. Message data is sent from the terminal to an issuer (110). The issuer sep...

A self-validating payment device for making proximity payment transactions through a point-of-sale device is provided. The payment device includes electronics for wireless communication of stored or processed payer information to the point-of-sale device. A biometric reader is integrated into the payment device. A b...

A one-way permutation over financial transaction card data provides a merchant with a unique card identifier for each financial transaction card that is used by a customer to purchase goods from a merchant. This card identifier, which is not the actual financial transaction card data, may then be permissibly stored ...

A secure electronic payment system and method for conducting a secure transaction (120) using authentication is provided. A merchant's computer (104) transmits an authorization request to an access control srever (112).The access control (112) obtains authentication (130) to confirm the identify of the purchaser (10...

A chip Authentication Program based on 3-D Secure protocols is provided for authenticating customers on -line transactions. An issuer, who may be a payment card issuer, operates Access Control and Authentication Request Servers for authenticating transactions by individual customers who are identified by their perso...

An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures o...

“A method and apparatus for conducting a secure transaction involving generation of a dynamic authentication code on a mobile device, based on secret data which does not identify an account. The authentication code and financial account identifying information are transmitted to a validating entity, which shares inf...

An automatic fare collection solution for a transit system exploits the use of smart payment cards (e.g., MasterCard's PayPass cards) by the commercial payment card industry. The smart payment cards that are issued by commercial card issuers and banks to customers conform to a common or open industry standard such a...

Systems and methods for verifying users in connection with transactions using payment devices are disclosed. One exemplary method generally includes receiving a select command for an AID associated with a payment application from a terminal and in response initiating by a security chip of a payment device a timer af...

A system and method for enhancing functional interoperability of contactless payment devices that are used for conducting electronic payment transactions between consumers and merchants. The contactless payment devices include RFID-embedded cards issued to consumers end proximity coupling devices such as RFID-enable...

A contactless payment card reader has a frusto-conical operating volume. The frusto-conical shaped operating volume has defined magnetic field strengths for powering and communicating with proximity payment cards. The reader can serve as a reference reader, which is representative of product readers deployed in cont...

A service provider computer receives a request for a transfer of funds from a sender to a recipient. The service provider computer makes a data record about the transaction available to a receiving financial institution. The receiving financial institution receives a visit from the recipient issues a new payment car...

Systems and methods are provided for use in locating one or more merchant terminals based on transaction data associated with the terminals. One exemplary method generally includes accessing by a computing device transaction data for a transaction to a payment account between a merchant and a consumer at a merchant ...

A method for generation of blocks for a partitioned blockchain includes: storing blocks comprising a partitioned blockchain, wherein each block includes a header and transaction entries; receiving transaction data entries for each of a plurality of subnets; generating a hash value of the header included in the most ...

A method for automatic configuration of a communication network includes: generating a request message the request message including a communication address associated; transmitting the generated request message as a broadcast message to a plurality of computing devices using a predefined user datagram protocol (UDP...

A method for verification of a data value via a Merkle root includes: storing, in a memory of a processing server, a Merkle root; receiving at least a data value, a nonce, and a plurality of hash path values; generating a combined value by combining the data value and the nonce; generating a first hash value via app...

A method for submitting data captured in a transaction message to a block chain includes: storing account profiles, each including data related to a transaction account including a primary account number and fiat currency balance; receiving a transaction message including a specific primary account number, fiat tran...

Systems and methods are provided for implementing a secure computing system with encryption, including a file system with a set of encryption zones. Each encryption zone includes encrypted data files. The secure computing system also includes a set of encrypted data encryption keys, each of which corresponds to one ...

A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network and is configured to receive a clearing data signal from the originating network....

A system, method, and computer-readable storage medium configured to pre-emptively reject an Automated Teller Machine transaction without consulting an issuer.

Title: ELECTRONIC SYSTEM AND METHOD FOR FORECASTING ECONOMIC EVENTS Abstract The present disclosure generally relates to an electronic system, a computerized method implemented on a server of the electronic system, and a non-transitory computer-readable medium storing computer-readable instructions for fo...

Systems and methods for conducting 3 D Secure transactions on behalf of (OBO) merchants. In an embodiment a payer authentication response (PARes) message indicating enrollment in the 3 D Secure OBO merchants authentication service is received from an access control server by a computer and stored. The computer later...

A method for performing a transaction using a system including a payee client device, a payer client device and at least one payment processing device, wherein the method includes, in an offline mode, having the payee and payer client devices communicate to determine transaction details including at least a transact...

The present disclosure generally relates to an electronic system and method for processing a merchandise purchase transaction between a merchant and a consumer. The system comprises a server communicatively linked to a payment network, the server configured for performing steps of the method, comprising: receiving, ...

METHODS AND SYSTEMS FOR FACILITATING OFFLINE INSTANT PAYMENT TRANSACTION Embodiments provide methods, and server systems for facilitating offline instant payment transaction. A method includes receiving, by server system associated with payment network, instant payment transaction request from payer device. The...

METHODS AND SYSTEMS FOR PAYMENT TRANSACTION AT MERCHANT DEVICE FROM CUSTOMER WALLET Embodiments provide methods and systems of enabling an electronic payment from a merchant device using customer credential when a customer does not have mobile device or card with him. The customer enters customer credential, ass...

A transaction card comprises at least one input button that receives a transactional input provided by a cardholder of the transaction card for initiating a secure card-based transaction. The input button is coupled to an electronic chip which when activated generates an electrical signal based on the transactional ...

According to a first aspect, there is provided an automated teller machine (ATM) comprising: a modem module comprising a plurality of ports that are concurrently connected to a remote central processor module of an ATM network; and an ATM processor module comprising a plurality of network interface cards, wherein ea...

The invention provides methods, systems and computer program products for one-time-password (OTP) based payment authentication. The invention comprises receiving one or more specified transaction parameters corresponding to a specified transaction and generating at an authentication server, an OTP for authorizing a ...

A network translation computing device for processing consolidated messages is disclosed. The network translation computing device receives a web- based authentication response including a plurality of data elements in a web-based format. The network translation computing device translates the plurality of data elem...

A method for authenticating a user identity for a data transaction is provided. The method is implemented using an identity authentication computing device in connection with a memory and a data transaction processor. The method includes receiving a request from a first user of a first client device for a data trans...

The invention relates to methods, systems and computer program products for splitting a transaction payment between multiple payment cards or accounts while simultaneously availing of instalment repayment facilities. The invention involves (i) receiving from a terminal device, information describing a payment transa...

Systems and methods are provided for use in enabling, providing, and managing digital identities in association with mobile communication devices. One exemplary method includes capturing an image of a physical document comprising a biometric of a user associated with the physical document, and extracting the biometr...

A method for facilitating transaction card procurement includes receiving, by a server, a card procurement request for procuring a new transaction card. The card procurement request is initiated by way of a user device of a user and includes an identifier of a transaction card dispenser selected for procurement of t...

A method and a system for facilitating secure card-based transactions are provided. A payment network server stores a mapping database that is indicative of a mapping between actual card data of a transaction card and a plurality of proxy datasets that are stored in the transaction card. The payment network server r...

ABSTRACT METHODS AND SYSTEMS FOR PREVENTING A FRAUDULENT PAYMENT TRANSACTION Embodiments provide methods and systems for preventing a fraudulent payment transaction. The method performed by issuer system associated with payment account of user includes generating unique data for payment transaction of the us...

A computer-based method for authenticating a user using biometric data is provided. The method is implemented using a biometric validation server in communication with a memory. The method includes storing, at the biometric validation server, a plurality of biometric identifiers, and receiving, from a requestor, an ...

A method for facilitating peer-to-peer payments includes receiving, by a server, a payment request initiated by a payer for making a payment of an amount to a payee. The payment request includes social identifiers of the payer and the payee. Based on the social identifiers, the server retrieves a set of links or soc...

Provided are a system and methods for reducing the amount of payment information stored by a merchant. In one example, a method includes receiving payment card information of a cardholder from a payment information receiving module displayed in a web browser of a computing device, generating a token for the payment ...

The invention comprises systems, methods and computer program products for implementing a payment wallet based electronic payment transaction. The invention comprises (i) receiving from a wallet application a payment amount, a payment wallet account associated with a payor, and a payee account, (ii) identifying a pl...

METHODS AND SYSTEMS FOR COMPUTING INTERCHANGE RATE DESIGNATOR FOR A PAYMENT TRANSACTION ABSTRACT Embodiments provide a methods and systems to eliminate or make optional the computation of IRD value for the acquiring bank or the issuing bank. The method includes receiving, by a server system, at least one tran...

Disclosed is a system for executing a computer process for processing a transaction. The system comprises a point-of-sale (POS) terminal, and an application support terminal (AST). The POS terminal comprises a POS processor and a POS memory device in communication with the POS processor and storing POS program instr...

ELECTRONIC METHODS AND SYSTEMS FOR PROCESSING A DECLINED FINANCIAL TRANSACTION Embodiments provide methods, and server systems for processing a declined transaction. A method includes receiving, by a server system associated with a payment network, a declined transaction notification signal about an identificat...

Methods, apparatus and systems for providing merchant quick response (QR) code services. In an embodiment, a digital enablement services (DES) computer receives a request for a merchant quick-response (QR) code from a merchant acquirer financial institution (FI) computer. The DES computer then determines that the me...

According to various embodiments, a validation device may be provided. The validation device may include: a source information identification circuit configured to determine information relating to a source file; a source information transmitter configured to transmit the information relating to the source file to a...

METHODS AND SYSTEMS FOR PERFORMING A QUICK RESPONSE CODE BASED PAYMENT TRANSACTION Embodiments provide methods and systems for performing a QR code based payment transaction. The method includes receiving, by a server system associated with a payment network, a user provided QR code from a user device for making a ...

ABSTRACT METHODS AND SYSTEMS FOR MERCHANT-INDUSTRY MAPPING BASED ON AMBIENT NOISE Embodiments provide a method and a system for conducting merchant-industry mapping based on ambient noise. The method includes receiving a payment transaction request and an audio signal comprising ambient noise in surrounding ...

ABSTRACT ELECTRONIC METHODS AND SYSTEMS FOR REAL-TIME IDENTIFICATION AND ACCEPTANCE OF PAYMENT CARDS AT TRANSACTION TERMINALS Embodiments provide methods, and systems for real-time validation of a Bank Identification Number (BIN) of an issuer associated with a payment card of a cardholder. The method perform...

A method for determining authenticity of a point of sale device includes: storing a blockchain and point of sale identifier pair, wherein the blockchain is comprised of a plurality of blocks, each comprised of a block header and transaction data values, each transaction data value corresponding to a payment transact...

METHODS AND SYSTEMS FOR FACILITATING DONATION TRANSACTIONS AND REAL TIME DONOR NOTIFICATIONS Embodiments provide methods, and systems for monitoring donation transactions between donors and charity organizations. The method performed by server system includes facilitating category-wise donations to at l...

The invention provides systems, methods and computer program products for optimizing payment card interface selection at POS terminals. The invention may be implemented at a POS terminal and comprises (i) detecting a POS terminal interface event, involving a payment card, (ii) detecting interface capabilities of the...

A method for processing of a cryptographically auditable transaction includes: receiving payment data, wherein the payment data includes at least a primary account number; transmitting the primary account number to a computing system; receiving a confirmation associated with the primary account number from the compu...

A method for facilitating online purchases includes a first request that is received by a first server for initiating a transaction for a product purchased by a customer. The first request includes at least one of a purchase amount of the product and a set of parameters such as a shipping time of the product. A hold...

The invention relates to a dual function payment card, and a digital wallet platform that implements campaigns and schemes for improving voter participation in elections. The invention seeks to increase voter participation in an election event, by (i) receiving confirmation of a cardholder’s participation in an elec...

An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message for a trans...

The invention relates to the domain of payment card transactions, and provides systems, methods and computer program products for contactless payment card based payment transactions using mobile devices having near field communication capabilities.

According to a first aspect, there is provided a digital wallet storage facilitator comprising: at least one processor; at least one memory including computer program code; an input port coupled to the processor; and an output port coupled to the processor; the at least one memory and the computer program code confi...

A worker computing device for asynchronous data consolidation and transmission over a computer network is provided. The worker computing device includes a processor communicatively coupled to continuously receive a plurality of individual computer messages from a source and accumulate the plurality of individual com...

The disclosed subject matter includes methods, systems, and networks for authentication based on physical characteristics of a payment card. A computer- implemented method performed by a payment network includes receiving an image of a part of a payment card from an image capturing device that communicates with the ...

A method for a computing node to provide a cryptographic key in response to a service request, the method comprising: establishing a key list, wherein the key list comprises key identifiers for a plurality of keys; receiving a service request and identifying that a key is required in response to the service request;...

A formatted data structure is provided for conveying the results of ecommerce authentication programs that are used to authenticate a cardholder's on-line transactions, The data structure, which has at most a 20-byte length, is designed to be compatible with 3-D Secure message protocols used in e-commerce. T...

Computer systems and methods for identifying a potentially fraudulent payment card transaction in progress and mitigating losses arising from completion of a fraudulent payment card transaction are provided. The computer system is programmed to receive an authorization request message for authorization of a payment ...

A computer implemented method for processing a real time money transfer with a screening payment network having a screening module communicatively coupled to a server computing device is provided. The method includes receiving a request to transfer funds from a payor account associated with an originating institutio...

A system and method for broadcasting an advertisement of a product in a network is disclosed. The system includes a first interface unit for receiving transaction data of large number of customers from a financial service provider system, a second interface unit for receiving a viewership data from a network service...

A method for providing enhanced control of travel purchases includes: storing rule data entries each entry including data related to an employer rule including a rule identifier and at least one data requirement; receiving a payment number request including a specific rule identifier payment amount and data field...

A system method and computer readable storage medium configured to enable commodity voucher transactions.

A computer implemented method of processing a payment at a network node is described. The method comprises operating a processor to: identify a set of agreed purchase parameters the agreed purchase parameters comprising data indicative of a purchase location a purchase amount a first device associated with a first u...

A system method and computer readable storage medium configured to facilitate cash transactions at an Automated Teller Machine when an ATM card is not present. The system allows a customer of a first bank to use an ATM of a different bank and still facilitate the ATM transaction without an ATM card present. ...

There is provided a money transfer orchestration switch and money transfer method. The switch includes an instruction receiving component for receiving transfer instructions to transfer money from a source digital wallet to a target digital wallet. The switch includes use of an intermediary account for receiving mon...

The present disclosure generally relates to an electronic system and method for management of cash in automated teller machines (ATMs). The system comprises a server operative within a financial network, the server including a processor and a memory configured to store computer-readable instructions. When the instru...

A method for monitoring customer transactions, the method including, in at least one payment processing device, receiving transaction data indicative a transaction between a customer and a merchant, the transaction being performed in respect of a respective customer account, determining an identifier associated with...

A method of initiating a bill payment in a transaction system including a transaction device in communication with one or more payment processing devices, via a communications network, the method including, in the one or more payment processing devices, receiving a transaction message indicative of a transaction, de...

A disbursement computing device for transmitting disbursements from a payor to a payee through a payment processing network is provided. The disbursement computing device is configured to receive a disbursement message including at least one disbursement payment instruction for transferring funds from a commercial d...

A method and system for creating an assurance level based on authentication data attributes using a computer device coupled to a database are provided. The method includes receiving an authorization request associated with the financial transaction from the sender the authorization request including a fraud risk ass...

An electronic system for splitting a transaction cost between multiple parties. The system comprises a processor configured to: receive transaction data from a payment card server, the transaction data relating to transactions performed using a payment card associated with a first user; on instruction by the first u...

A cashless transaction processing method is disclosed. The method comprises: receiving, in an issuer server, a transaction token request from a customer device, the transaction token request comprising an indication of a payment card account associated with a customer; providing a token to the customer device in res...

A method for authentication of coupons using a blockchain includes: storing transaction data for a payment transaction, wherein the transaction data includes at least a transaction amount; receiving an identification value; receiving a block included in a blockchain, wherein the block includes at least a block heade...

A method for conveyance of payment credentials through a third party data source includes: storing, in a memory of a computing device, at least a first public key and payment credentials associated with a transaction account; generating, 5   by a generation module of the computing device, a machine-readable code enc...

A method for processing travel bids via blockchain includes: receiving an itinerary request including a travel itinerary comprised of reservation requests, each reservation request including a type identifier and reservation details; transmitting a blockchain transaction to a blockchain network for each reservation ...

A method for posting of anonymous directed transaction includes: storing a plurality of entity profiles, each including an entity identifier and a secret value; receiving a transaction request from a first entity, the request including transaction data and a specific entity identifier associated with a second entity...

A method for posting of auditable, immutable data to a blockchain includes: receiving a blockchain comprised of a plurality of blocks, each block being comprised of at least a block header and one or more transaction values, wherein each transaction value includes at least a transaction hash; receiving a data file a...

A mobile computing device having at least one processor and at least one memory together providing a first execution environment and a second execution environment logically isolated from the first execution environment the mobile computing device comprising: a first application executable within the first execution...

As uploaded

A method for Sinking blockchain transactions to privately verified identities includes: storing account profiles each profile including data related to a transaction account including an account identifier and account data; receiving a transaction message the message including a first data element configured to stor...

A method for managing fractional reserves of blockchain currency includes: storing in a first central account a fiat amount associated with a fiat currency; storing in a second central account a blockchain amount associated with a blockchain currency; storing a plurality of account profiles each profile including a ...

A method for authorization of a blockchain transaction includes: storing account profiles each profile including an account identifier fiat amount and blockchain amount; receiving a transaction message the transaction message being formatted based on transaction message standards and including a first data element t...

A method for distributed storage of identity data includes: receiving entity data for a plurality of entities, the data including an associated public key, associated attributes, and a geographic jurisdiction, and where one entity is a subordinate; generating a data file for each entity including the associated attr...

A method for generating a blockchain configured for fast navigation includes: storing a blockchain comprised of a plurality of blocks, each block including a header comprised of a fast track flag, fast track reference, timestamp, and hash value, where the plurality of blocks includes standard blocks having a deactiv...

A method for generating a cryptographic promissory note for posting to a blockchain includes: receiving an authorization request for a payment transaction, the authorization request being a transaction message formatted based on one or more standards that includes a plurality of data elements including a first data ...

The present invention is directed to systems and methods for enabling electronic payments to merchants who do not have access to a terminal device or point of sale device for receiving electronic payments. The invention comprises performing an electronic payment transaction through the steps of (i) receiving user in...

The invention comprises a wearable device for enabling an electronic payment transaction through a payment account, at a point-of-sale (POS) terminal having wireless communication capability. The wearable device comprises a wirelesss transceiver, at least one fingerprint sensor, and a non-transient memory based data...

A method for enhanced validation of an entity associated with a COF token includes: storing at least transaction data, a token requester identifier (TRJD), and a COF token identifier; receiving payment credentials, wherein the payment credentials include at least a COF-specific payment token; generating a transactio...

A method includes establishing a loyalty points account for an account holder. The account holder may be allowed to access value held in the loyalty points account via a transaction authorized and cleared through a payment account system.

Systems and methods for use in segmenting payment accounts based on threat events are disclosed. An exemplary method includes identifying by a computing device a payment account associated with a threat event appending by the computing device the payment account to a risk segment and causing review of the payment ac...

Systems and methods for use in identifying payment accounts to segments are provided. One exemplary method includes receiving a first indicator for a first location from a communication device, where the communication device is associated with a consumer and the consumer is associated with a payment account issued t...

A method for identifying payment credentials using a proxy electronic wallet comprises storing an account profile for a proxy electronic wallet that includes payment credentials for one or more payment accounts and account and/or payment credentials payment accounts associated with one or more paired electronic wall...

According to some embodiments apparatus and methods are provided comprising a connector attachment including a housing wherein the connector attachment is selectively connectable to a mobile device; and a first token stored within the connector attachment wherein the first token is operative to execute a transaction...

The present invention relates to contactless payments using an electronic payment transaction environment. In particular, the invention provides methods, systems and computer program products for implementing contactless payments based on a dual protocol display label comprising an optical code and an NFC tag, each ...

The invention provides methods, systems and computer program products that enable contactless payment at a point of sale terminal within an electronic payment system that is configured to enable payment card based transactions between a payment transferor and a payment transferee through a trusted intermediary th...

A system and a method for transmitting payment card information are provided. The system includes at least one processor, and at least one memory including computer program code. The at least one memory and the computer program code are configured to, with the at least one processor, cause the system at least to (i)...

A method for restricting a payment device for use with a selectable set of merchants, the method comprising: receiving from an agent a request to restrict a payment device that has been enabled for restriction for use with a selectable set of merchants only; providing to the agent means to select a set of merchants ...

A method and system for facilitating payment card based financial transactions are provided. A server system associated with a payment network receives an input provided by a user using an electronic device. The input is capable of uniquely identifying the user. The server system is configured to retrieve informatio...

A method for automated payment of bills comprising: parsing one or more data notifications received by a user from a merchant that has been enrolled by the user for automated bill payment; extracting from the parsed data notifications, data describing goods or services provided by the merchant to the user; genera...

Systems and methods are provided for authenticating users to payment accounts in connection with transactions. An exemplary method includes receiving, by at least one computing device, an authentication request for a transaction associated with a payment account where the authentication request includes a token asso...

A method for authorizing a transaction request for a payment card is disclosed the method comprising the steps of receiving at a transaction processing platform data indicating that a first authorization request for the payment card has been declined; referencing at the transaction processing platform a circuit of p...

An electronic system for a user to withdraw cash from an automated teller machine (ATM) operated by an acquirer financial institution, the user having a financial account with an issuer financial institution, the system comprising an intermediary server communicatively linked to an issuer server of the issuer fin...

Systems and methods for interchange rate processing are provided. An interchange rate processing computing device is configured to receive transaction messages from one or more acquiring banks. Each transaction message may contain transaction data corresponding: to a payment card transaction. The interchange rate pr...

System methods apparatus and computer-readable storage media are described which respond to a request to verify the age of a cardholder wherein said response is based on biometric information of the cardholder.

Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts based on source account identifiers included in computer-readable indicia. One exemplary method includes capturing by a computing device at least one symbol representative of a destination account...

There is provided, for a customer, a convenient way of remotely determining whether an ATM is available for a desired withdrawal before physically travelling to the location of the ATM. This convenience is enabled by a polling mechanism to determine parameters of various ATMs. This capability can therefore avoid the...

A system, method, and transaction terminal for obtaining location based services provided by third-party service providers through a transaction terminal is disclosed. The method includes authenticating a user based on user identification information received at the transaction terminal. Upon authentication, the met...

A message routing and pre-processing (MRP) computing device is described herein. The MRP computing device is configured to receive an authorization request message associated with a transaction initiated by a cardholder with a merchant the authorization request message including authorization parameters of the trans...

Methods and systems for authenticating both a browser-based user mobile device and the user in association with an online transaction. In an embodiment the process includes receiving by a cloud-based authentication service computer a user authentication request from a user mobile device. A mobile transaction applica...

A computerised network is disclosed for processing payment transactions using a plurality of electronic wallets. The network comprises at least one universal switch machine and a payment network server. Each universal switch machine is configured to: i) accept payment transactions using the plurality of electronic w...

Networks and methods for use in authenticating messages, based on the clients and the computing devices, are provided. One exemplary method generally includes performing, by an API gateway, validation of a computing device based on a certificate identifying the computing device as one of the recognized computing dev...

The present invention provides a method and apparatus to calculate scores for a number of different candidate ATM locations and, based on the resulting scores, determine a preferred location for a new ATM. Based on estimates of the transaction metric values for a predetermined period of time, for example three month...

Networks and methods for use in authenticating messages are provided. One exemplary method generally includes receiving a message from a client, where the message includes a client certificate. The method also includes validating, by an application programming interface (API) gateway, a compu...

Systems and methods are provided for use in processing loyalty rewards. One exemplary method includes receiving a message associated with a transaction to a payment account where the message includes a primary account number (PAN) for the payment account, a merchant identifier for a merchant involved in the transact...

Systems and methods are provided for use in responding to attribute queries related to identifying information for a user. One exemplary method includes receiving a request for an identity code for a user associated with identifying information, where the identifying information includes multiple attributes of th...

According to a first aspect, there is provided an offer-and-acceptance matching server comprising: at least one processor; at least one memory including computer program code; and a communication port coupled to the processor the at least one memory and the computer program code configured to, with the at least one ...

The invention relates to methods and systems for reducing user interventions necessary for authentication of electronic payment transactions. In an embodiment the invention comprises (i) receiving from a POS terminal a payment transaction request, and information identifying a first payment card for implementing th...

The invention provides systems, methods and computer program products for secure electronic payment transactions based on voice generated currency tokens. The invention comprises implementing at a voice currency platform server, the steps of (i) receiving from a payor terminal device a request for generation of a ...

The invention provides methods, systems and computer program products that enable electronic payments from a payment transferor to a payment transferee while preserving confidentiality of each party"s identity information and / or financial information. The invention relies on a unique trusted intermediary data reco...

The present invention relates to product activation of products purchased online or through electronic commerce platforms. The invention provides methods, systems and computer program products that enable secure activation of products using user identity data. The invention implements secure activation based on acti...

Embodiments provide methods, and server systems for facilitating payment transactions using unique strings. In an embodiment, the method includes receiving, by a server system associated with a payment network, a payment transaction request comprising at least a payment string uniquely associated with the payment ca...

A computer-implemented method and a system for authorising transactions, the computer-implemented method including: receiving, from an electronic device, a transaction request, the transaction request including date of birth (DOB) information, an account identification code (AIC), and a personal identification numbe...

A card payment network handles a payment card account system transaction. The transaction involves a merchant and was acquired by a transaction acquirer. The card payment network initiates an electronic funds transfer to credit the merchant"s bank deposit account on behalf of the transaction acquirer. ...

The described embodiments of the present invention include a secure mobile payment system and process for performing electronic payment transactions from a payment account of an associated payment card of a user, where the payment is conducted using a mobile computing device. Specifically, the system and processes d...

A method of sharing of a product among a plurality of users includes receiving a first request, by a server, for accessing a merchant website from a first user. The first user accesses the merchant website to select a first product for sharing. The first user submits one or more product sharing parameters for sharin...

An authentication computing device, including a processor in communication with a memory, for authenticating an ACH transaction processed over an ACH network is provided. The processor is programmed to register a payee with the authentication computing device, and to receive an authentication request for an electron...

A method includes applying at least one fraud management machine learning algorithm to a corpus of payment card account transactions. A fraud management profile is built for a payment account holder who performed the payment card account transactions. After the algorithm is applied, the account holder is issued acce...

The invention relates to methods and systems for sharing a POS terminal between a plurality of merchants and for implementing payment transactions through a shared POS terminal. The invention comprises implementing at a server, the steps of (i) receiving from the shared POS terminal, a unique merchant ID correspondi...

A method includes receiving a request to verify a dynamic security code included in a transaction authorization request message. The transaction authorization request message was generated in connection with a payment account transaction. The method further includes performing a verification process with respect to ...

Multi-party computation systems and methods for user biometric authentication. In some embodiments a biometric authentication service computer receives a user authentication request from an entity determines user enrollment in the biometric authentication service transmits a prompt message to a user device for at le...

Methods and systems for authenticating a user based on user expression. In some embodiments an authentication service computer receives a user authentication request during a transaction determines that the user is enrolled in a user expression authentication service and transmits a prompt message for biometric data...

A method for determining rebate eligibility of a transaction account is described. The method includes receiving a real-time message including a reason code; identifying a specific account profile from a plurality of profiles; validating the reason code based on a plurality of predetermined valid reason codes; and v...

A method for managing reward value related to a transaction account is described. The method includes receiving a redemption request; generating a reward cost based on at least a conversion rate and a transaction amount; updating a reward value in an account profile to place a hold on an amount of the reward value e...

The invention relates to methods and systems for reducing user interventions necessary for authentication of transactions. The invention enables authentication of an electronic transaction, said authentication comprising (i) receiving from a terminal device, (a) a payment transaction request, and (b) information id...

In operating a payment card account transaction acquirer computer, a transaction request message is received from a merchant. The message represents a purchase transaction accepted by the merchant. The transaction request message is in a format required by a payment card account system. The message includes an indic...

The invention provides systems, methods and computer program products for providing optimized customer support over data networks. In an embodiment the invention comprises implementing within a processor based computing system, the steps of (i) receiving voice data from a customer through a client terminal, (ii) con...

A method of operating a payment network bridging computer includes receiving a first transaction request message in the payment network bridging computer. The first transaction request message includes a first addressing indicator that represents a funding account, The first addressing indicator is of a type used in...

A method includes receiving a funds transfer request. The request includes an alias character string. The request is for requesting a funds transfer. The alias character string is translated to payment routing information. The payment routing information specifies a recipient"s financial institution deposit account....

Systems and methods for routing electronic transactions are disclosed. In one embodiment, a system for routing an electronic transaction comprises: a server and a multiplexer, the server having a computer processor and a data storage device, the data storage device storing instructions operative by the processor to:...

An authentication computing device including at least one processor in communication with a memory is provided. The processor stores, within the memory, an authentication profile associated with an account holder. The authentication profile includes an account identifier associated with a payment account of the acco...

Provided are a system and method for managing encryption keys used by a payment application on a mobile device. The method includes executing a mobile payment application in a user domain of the mobile device where the user domain is an operating environment in which applications are executed and accessed by a user ...

A request for payment is received from a payment recipient. The request includes (a) invoice details and a transaction amount for a transaction between the payment recipient and a buyer; (b) identification of the payment recipient; and (c) an identifier that identifies the buyer. Payment recipient account informa...

When a payment transaction made by a user, a reminder data file is created including reminder items associated with the payment transaction. At least one of the reminder items is an image. Subsequently, a transaction statement listing one or more payment transactions is provided to the user, in a form in which each ...

The invention enables optimizing performance of a recommendation server. The invention comprises (i) receiving a first set of customer information corresponding to a first set of events recorded in a first time period in which the recommendation server operates in a first configuration state, (ii) generating a first...

A method for voice-initiated provisioning of payment credentials includes: storing in a memory of a computing device at least payment credentials associated with a transaction account and authentication data; receiving by an audio receiving device of the computing device a first voice message; determining by a first...

Exemplary systems, methods, and computer readable media for the broadcast and exchange of electronic certificates between digital wallets are provided. Exemplary systems and methods include and/or are preformed by an electronic certificate exchange and bidding manager (ECEBM). The ECEBM receives an offer to sell an ...

There is provided aserver for facilitating an un-authenticatabletransaction for an Internet connection capable user device when the user device is not in Internet connection with the server, the server comprising:at least one processor; andat least one memory including computer program code;the  at least  one memory...

A method and systems for monitoring changes for a server system (200) are disclosed. Data are obtained (100) from the server system and the data are processed (102) to determine a first change for the server system. A record of the first determined change is stored (104). The first determined change is then compared...

According to a first aspect, there is provided an identity verifier comprising: at least one processor; at least one memory including computer program code; and a communication port coupled to the processor the at least one memory and the computer program code configured to, with the at least one processor, cause th...

A payment processor computing device for performing an electronic transaction initiated by a vehicle is described. The payment processor computing device is configured to receive a registration secure token from a vehicle computing device, the registration secure token corresponding to a cardholder and including an ...

A method for initiating a time- and geographic-based electronic transaction includes: storing in a mobile computing device payment details associated with a transaction account; receiving a payment zone notification upon entry of the mobile computing device into a predefined geographic area the notification includin...

A method for cardless withdrawal from an automated teller machine includes: receiving by an input device of an automated teller machine (ATM) user input comprising at least: a first code a device identifier associated with a computing device and a transaction amount; electronically transmitting by the ATM at least t...

A transaction message processing server is configured to receive an authorization request message from a sender computing device, the authorization request message associated with a transaction. The server is also configured to detect a decision data element in an authentication outcome data field of the authorizati...

A payment-enabled mobile device runs a merchant wallet application. The mobile device engages in a transaction with the merchant at the point of sale. Transaction detail data is transmitted from the wallet application to a transaction authentication server. The transaction detail data includes details of the transac...

An intermediary server for importing payee details into an account associated with a user is described. The intermediary server comprises a transfer module, an inquiry module and an export request module. The transfer module is configured to: (i) receive, from an issuer server, a transfer request comprising a reques...

Embodiments provide methods, server systems and user devices for facilitating person to merchant payment transactions. In an embodiment, the method includes receiving, by a server system associated with a payment network, a payment transaction request. The payment transaction request is initiated using a messaging p...

The invention relates to identity authentication in electronic payment transactions. The invention comprises (i) receiving an identity authentication request responsive to a request for electronic payment initiated in a network session between a client terminal and a merchant server, (ii) receiving the payor account...

An edge node computing system and corresponding methods for performing secondary processing of data at edge nodes of a computer network. The edge node computing system receives messages, such as authorization messages, representing a payment transaction initiated by a cardholder with a merchant. A primary processor ...

A system and method for validating a transaction between a consumer and a merchant alter the transaction has been completed. An image of the consumer is captured in real-time as the transaction is occurring and associated with a transaction record for the transaction. Whether by a camera at the point of sale, or a "...

The invention provides methods, systems and computer programs for dual layer identity based access control implemented within systems that implement a micro-service architecture. The invention involves (i) receiving at a first resource server (a) a request for a first processor implemented service, (b) a primary acc...

Embodiments provide methods, and server systems for facilitating payment transaction using a preferred digital wallet application. In an embodiment, the method includes receiving, by a server system, a unique reference number associated with a payment card linked with a plurality of digital wallet applications of a ...

A method of configuring a transaction device (102, 160) for use within a closed loop transaction system (12), the closed loop transaction system comprising a point-of-interaction terminal (24) for processing transactions with the transaction device, the method comprising: receiving an instruction to set a field with...

A method for facilitating e-commerce transactions includes monitoring a purchase pattern of a user on various e-commerce interfaces for a first time-interval by a bot. The purchase pattern indicates frequency-of-use information of various payment options used by the user to make purchases within the first time-inter...

An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message. The authen...

An authentication platform for authenticating an online user in a transaction without use of strong consumer authentication (SCA) includes receiving an authentication request message for a transaction involving a regulated market includes authentication data and a transaction value, extracting the authentication dat...

A computer-implemented method for authenticating an online user with an access control server (ACS) is provided. The method includes receiving, at a risk-based authentication enabled (RBA-enabled) directory server, an authentication request message including authentication data, extracting, using the RBA-enabled dir...

A method and system for crediting a financial account of a user with an amount is provided. The amount is maintained in a lock mode for a set time period in the account. The crediting of the amount is based on a registration request received from the user. The user further provides the amount that the user wants to ...

A method for providing a multi-service platform to entities includes the storage of profiles for a plurality of entities involved in services with other entities, including point to point and business to business transactions, including entities not registered, that can be claimed by each entity, where each entity c...

A method for providing a multi-service platform to entities includes the storage of profiles for a plurality of entities involved in services with other entities, including point to point and business to business transactions, including entities not registered, that can be claimed by each entity, where each entity c...

A method for facilitating the broadcast of encrypted data includes: storing a content encryption key and a server private key of a first cryptographic key pair; storing a recipient profile, the profile being related to a recipient computing device including a recipient public key of a second cryptographic key pair; ...

Embodiments provide a method of facilitating a payment transaction with a payment card of a customer. The method includes receiving a payment transaction request initiated at a merchant terminal. The payment transaction request comprises a merchant transaction amount associated with a purchase entered at the merchan...

A system method and software product deliver context driven content to a user. First data defining a current location of the user is received from a mobile device that is proximate the user. A need/interest for a product or service is determined based upon one of (a) second data received from a monitored device the ...

A system and method for conducting a transaction is provided. The method comprises receiving, at a transaction module, a payment request for a product; transmitting, from the transaction module to an issuer module, a pre-authorization request to initiate pre-authorization of the transaction corresponding to the paym...

A system and method for conducting a transaction is provided. The method comprises receiving, at a courier module, a delivery order relating to a delivery of a product to a recipient by a courier service; and generating, by the courier module, a card-on-file mobile payment instruction for transmission to a payment m...

The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium comprising instructions for funding a prepaid account issued by a financial service provider to a consumer. The system comprises a server configured for performing steps of t...

The invention provides systems, methods and computer program products for implementing a prepaid currency transaction. The invention comprises (i) receiving a payment instruction for incrementing or debiting a prepaid currency value stored in a first payment account, (ii) implementing the payment instruction, (hi...

The present disclosure generally relates to a computer-implemented method for facilitating a cashless transaction between a merchant and a customer a system implementing the method and a non-transitory computer-readable medium storing computer-readable instructions that when executed cause a processor to perform ste...

A method and a system for processing a transaction when a merchant does not have a point-ofsale device is provided. A user makes a purchase at the merchant and the merchant provides a purchase receipt, including a purchase amount and merchant details, to the user. One of the user and the merchant uploads first and s...

A method for authentication facilitated via a trusted execution environment includes: reading payment credentials in a first application program stored in a first memory area of a computing device; transmitting an authentication request to a second application program stored in a trusted execution environment of ...

A computing device embodies a security architecture for an application (42). The security architecture has non- volatile storage (43) for storing first cryptographic material and volatile storage (51) for storing second cryptographic material. The second cryptographic material is lost on rebooting of the computing d...

A method in an automated teller machine of processing a transaction is disclosed. The method comprises: receiving inputs indicating an account identifier and a unique personal identifier of a customer; sensing biometric data of the customer using a biometric sensor; receiving a transaction indication indicating a tr...

A method for initiating a cardless automated teller machine (ATM) transaction via a mobile computing device includes: storing, in a memory of a mobile computing device, at least transaction account data and authentication data; receiving, by an input device of the mobile computing device, at least desired transactio...

The invention provides methods, systems and computer program products for identity authentication for payment card based payment transactions. A payment card may be configured for payor identity authentication for the purpose of an electronic payment transaction(s), and may comprise (i) sensors to measure card handl...

Systems and methods are provided for managing votes associated with elections.  One exemplary method includes receiving, at a computing device, from a voting device, a selection of a voting option by a user in an election provided by an election host and generating, by the computing device, a two-part token based on...

A method for issuing supplementary cards includes a first request received by a server for issuing a virtual supplementary card in real time to a beneficiary. The virtual supplementary card is to be linked to a primary card of a primary card holder. The first request includes information of the beneficiary and is in...

The invention provides methods, systems and computer program products that enable optimized direct benefit transfers from an originator to a beneficiary. Implementation of a direct benefit transfer involves receiving from an originator bank server a user identifier uniquely associated with the beneficiary, and direc...

A method for application of account and transaction controls on a payment token includes: storing, in a first device of a system, a control profile including a token number and transaction controls; storing, in a second device of the system, a token profile including the token number and a corresponding account numb...

A cryptographic method of performing a tokenised transaction between a payment offering party and a payment accepting party is described. The tokenised transaction is mediated by a transaction scheme. The payment accepting party is provided with a merchant identity and a merchant certificate associated with that ide...

An application running on a user’s mobile communication device photographically captures images of a code image. The code image may be permanently displayed at the transport location, or may be provided on a vehicle temporarily at the transport location. The displayed code image encodes travel data comprising ticket...

Embodiments provide methods and systems for reading a Quick Response (QR) code displayed in a user device of a user for facilitating a payment transaction. The method includes facilitating display of the QR code on a display screen of the user device. The QR code includes at least a payment related information for a...

A method for conducting transactions includes conducting offline and overdraft transactions at a terminal device by using a transaction card of a customer. The transaction card stores various transaction card attributes that are readable by the terminal device. The overdraft and offline transactions are authorized b...

Embodiments provide methods, and server systems for performing a combined transaction for one or more scheduled transactions. The method is configured to generate one or more machine readable codes for the one or more scheduled transactions through a first transaction terminal, where each machine readable code is as...

A server for facilitating a transaction with a telephone number is described. The server is configured to receive a transaction request from a device, and the transaction request includes a telephone number and transaction information. The server is also configured to send an authentication request to the device, ge...

Embodiments provide payment methods, server systems and devices for dynamically adapting a timeout period. The method includes receiving, by a server system associated with a payment network, a payment transaction request from a merchant interface. The payment transaction request includes a payment information and a...

A method for processing on-behalf transactions is provided. A first merchant registers to avail an on-behalf transaction service offered by a server. The first merchant initiates an onbehalf transaction for a purchase that a customer wants to make with the first merchant, who possesses a point-of-sale (POS) devic...

A method includes conducting a transaction at an automated teller machine (ATM) or a point of sale (POS) device by using a customer device of a customer. The transaction involves rendering a payment interface of the ATM or the POS device on the customer device, such that the customer device serves as a mode of en...

The invention provides methods, systems and computer program products for electronic token based payment transactions. The invention comprises (i) receiving a payment instruction, (ii) responsive unavailability of network connectivity between the payor terminal and a first network entity, retrieving a first payor pa...

A dynamic receipt generating (DRG) computing device for dynamically generating customized transaction records is provided. The DRG computing device includes at least one processor in communication with at least one memory device. The DRG computing device is configured to receive user preference data including dynami...

ELECTRONIC METHODS AND SYSTEMS FOR PROVIDING LOYALTY PROGRAMS TO MERCHANTS FOR THEIR CUSTOMERS Embodiments provide methods and systems for providing a loyalty program to a merchant. The loyalty program is created using a loyalty program ruleset. The loyalty program ruleset is accessed using a merchant identifie...

The invention enables payment account sharing and transaction settlement involving shared payment accounts. The invention authorizes a customer to access and use a shared payment account maintained by a correspondent bank. The shared payment account is configured to implement debit or credit transaction settlements ...

A method and server system for facilitating recurring customer payments to merchants are disclosed. A Quick Response (QR] code including a Standing Instruction (SI] flag is generated. The SI flag is capable of offering customers of a merchant with an option to pay for respective recurring payments using SI. The gene...

A method and a system for authorizing transactions is provided. An application server receives a first device identifier of a user device and a beacon identifier of a beacon from the user device, in response to the user device being within a communication range of the beacon. The application server determines a devi...

The invention relates to methods and systems for reducing user interventions necessary for authentication of transactions. The invention involves (i) receiving from a merchant terminal device, a request for initiating an electronic payment transaction, (ii) retrieving one or more authentication waiver records ass...

The invention provides systems, methods and computer program products for securing electronic transactions and users of electronic transaction services from phishing attacks by malicious attackers and fraudsters. A terminal device receives a first data communication comprising an OTP associated with a requested elec...

Embodiments provide methods, and server systems for performing multi-factor authentication for an e-commerce transaction. A method includes providing, by a server system, a user interface on a child cardholder’s device to enable a child cardholder to enter a pre-assigned unique identifier. The child cardholder is pr...

An apparatus for processing electronic signatures is provided. The apparatus comprises: a computer processor and a data storage device, the data storage device having a signatory interaction module; a transaction processing module and an electronic signature generation module comprising instructions operative by the...

A method for integration of merchant transaction services includes: storing a plurality of merchant profiles, each including a keyword, merchant data, communication data, and requested data fields; receiving a data message from a computing device; identifying a specific keyword based on the data message; identify me...

A method for facilitating transactions is provided. Various users register their payment modes to avail a payment mode interchange service offered by a server for online purchases. During registration, the users specify corresponding offer amounts in exchange for allowing purchases of other users to be performed by ...

A method of establishing a digital identity for use of an online service and of subsequently using the digital identity to perform the online service is described. A digital identity for the online service is bound to computer hardware associated with the digital identity. A user associated with the digital identity...

Systems and methods are provided for use in distributing one or more services to edge devices in a payment network and for monitoring distributed processing devices associated with the payment network by a network of nodes of the payment network. One exemplary method includes receiving at a first node of the network...

PAYMENT METHODS AND SYSTEMS AT MERCHANT TERMINAL OF FIRST MERCHANT FOR PAYMENT TO SECOND MERCHANT ABSTRACT Embodiments provide payment methods, server systems and devices for using merchant terminal of first merchant for payment to second merchant. In an embodiment, the method includes receiving, by a server...

Herein disclosed is a method and system to perform product delivery interception. In one implementation, a product delivery interceptor receives, from a purchaser, a request to determine availability of a product. The product delivery interceptor identifies a recipient of the product and transmits a bid for the prod...

An apparatus for processing electronic payment transactions is disclosed. The apparatus comprises: a computer processor and a data storage device, the data storage device having an incoming transaction initiation module, and an outgoing transaction initiation module comprising non-transitory instructions operative b...

A computer-implemented method for enhancing user authentication is provided. The method is implemented using an authentication computing device in communication with a memory. The method includes storing a plurality of user preferences associated with a user account. The user preferences are rule-based preferences t...

There is presented a method a computing device and a biometric matching service for the biometric authentication of a user. The method comprises capturing a biometric sample from a user and obtaining information to identify data sources relevant to the user. The method further comprises using the data sources releva...

The invention relates to methods, systems and computer program products for securing one time passwords (OTP) for use in OTP based authorization of electronic payment transactions. The invention involves transmission and display of an OTP at a user device in response to a prior determination that a user operating th...

A method for facilitating data security for transaction data includes receiving, by a first transaction processing server, a transaction message for a transaction. The transaction message includes a plurality of data elements indicative of the transaction data of the transaction. The first transaction processing ser...

The present disclosure relates to biometrically securing authentication of the age of a user, when age authentication is required for an electronic point of sale terminal (POS) to provide an approval. There is provided a method performed by an electronic payment device, the method comprising: receiving a request for...

METHODS AND SYSTEMS FOR PERFORMING SECURE TRANSACTIONS ASSOCIATED WITH INSTRUCTIONS RECEIVED IN NATURAL LANGUAGE FORM Embodiments provide methods and systems for facilitating scheduled payment transactions to users via an application provided by the server system, the application available on the user device. T...

Embodiments provide methods and systems for detecting frauds in payment transactions made by payment instrument using spend patterns of multiple payment instruments associated with user. The method performed by server system includes accessing payment transaction data associated with a plurality of customers from a ...

Provided are an identity broker system and method for managing a national digital identification of a citizen. In one example, the method includes receiving, from a user device, an identity sharing request of a citizen including an identification of a service provider with which to share the identity, determining on...

Method for individualized data routing in a network the method comprising the steps of initiating on a user terminal an enrolment process for registering a user of the user terminal for individualized data routing services generating during the enrolment process at a routing client application a personal routing tem...

Provided are systems and methods for extending QR and person-to-person based digital wallet payments to non-issuer digital wallets. In one example the method may include receiving a send request to send payment from a sending account of a digital wallet to a receiving account executing an authentication protocol bet...

A transaction card, issued to a visually-impaired user, has first and second sets of braille indicia formed thereon. Each braille indicium of the first set is associated with a subset of the second set. A server receives an authorization request for a transaction initiated by the use of the transaction card at a ter...

Method and system for loyalty points management A method and a system for managing loyalty points of a user is provided. A plurality of loyalty accounts of the user are identified. Each of the plurality of loyalty accounts stores a first plurality of loyalty points. A conversion factor is determined for each loyalt...

Embodiments provide methods and systems for performing a payment transaction of a user by others. In an embodiment, the method includes electronically facilitating, by a server system associated with a payment network, a pay-by-friend option on a merchant interface by a user for making the payment transaction. The u...

A method for facilitating payment transactions includes receiving a transaction request for a payment transaction initiated at a payment terminal device using a transaction card of a user. A predefined category of the user is identified based on the transaction request and a service application is remotely activated...

A method of determining legitimate use of a computing device for an action to be approved by a remote system is described. The following steps are carried out at the computing device. A verification method (44) is established for authenticating a user at the computing device or for verifying the integrity of the com...

ABSTRACT ELECTRONIC METHODS AND SYSTEMS FOR FASTER CHECKOUT IN AN E-COMMERCE TRANSACTION Embodiments provide methods, and server systems for enhancing checkout experience of an e-commerce transaction. A method includes receiving, by a server system associated with a payment network, a pre-authentication request ...

A method for facilitating offline transactions includes receiving, by a server from a user device, a request for generating an offline code. Based on the request, the server generates the offline code with an amount linked thereto and an authorization parameter for authorizing the offline code. The server communicat...

The invention relates to the field of payment card or payment account related request handling, and more particularly to methods, apparatuses and computer program products for payment card or payment account related request handling and / or complaint handling through a payment card machine. ...

A method and a system for authenticating users for a transaction are provided. An authentication request for the transaction is received by a server when the transaction is initiated by a first user for electronically transferring a first amount from a first account of the first user to a second account of a second ...

An improved digital commerce transaction in which the shopping part and the payment part are separated in time and the timing of the payment part is controlled by the consumer. A consumer completes the shopping part checks out and receives confirmation from the merchant that the transaction has been completed. For c...

Systems and methods are provided for authenticating users to accounts in connection with network transactions. An exemplary method includes receiving an authentication request associated with a transaction where the authentication request includes a credential associated with the account, and transmitting an authent...

METHODS AND SYSTEMS FOR REDUCING BIAS IN AN ARTIFICIAL INTELLIGENCE MODEL Embodiments provide methods and systems for reducing bias in an artificial intelligence model. A method includes computing, by a processor, a reward value based at least in part on a similarity between model predictions from a pre-trained...

ABSTRACT METHODS AND SYSTEMS FOR GENERATING DOMAIN-SPECIFIC TEXT SUMMARIZATIONS Embodiments provide methods and systems for generating domain-specific text summary. Method performed by processor includes receiving request to generate text summary of textual content from user device of user and applying pre-tr...

A method of obtaining a digital product or service at a computing device is described. The computing device has a service application for the digital product or service installed on it. The service application obtains a valid authentication from a user. The service application also obtains a request for the digita...

The invention provides methods, systems and computer program products for modifying priority parameters corresponding to a software payment application within a contactless payment card. In an embodiment the invention comprises (i) establishing communication between the contactless payment card and a mobile 10 c...

A method and a system for conducting a transaction using an electronic chip are provided. One or more details of a plurality of payment modes and a first authentication parameter are stored in the electronic chip. The electronic chip receives an authentication request including a second authentication parameter from...

A method operable at a payment terminal (20), for conducting a transaction, comprises: displaying (101) on a display (24) of the payment terminal (20) a first machine-readable optical label (300) encoding transaction data obtained from a merchant (70), the transaction data including at least an amount and a currency...

An authentication server computing device is provided. The authentication server computing device is configured to receive a transaction request from an audio interface device, generate a first audio file including a first audio transmission, wherein the first audio transmission includes a ...

A method and a system for processing transactions is provided. A terminal device executes a terminal action analysis on a transaction initiated at the terminal device by way of a transaction card. The terminal device compares a fraud count of the terminal device with a threshold fraud limit. If the fraud count excee...

A method for redeeming vouchers includes receiving, by a server, a voucher redemption request for redeeming a voucher and a first set of purchase requests for a first set of purchases. The voucher is associated with a voucher value. When the voucher is a discount voucher, the voucher value is a minimum purchase amou...

A method and a system for offering value-added services on a transaction initiated at a terminal device is provided. The method includes generating a reference identifier for the transaction by a server. The server stores the reference identifier and service details of the value-added services that are applicable on...

A compromise detection computing device is configured to receive transaction data associated with a set of transactions performed at a plurality of merchants, each transaction conducted using a payment device, identify a first merchant, and generate a list of every payment device that was used to conduct a transacti...

Methods  and  server  systems  for  processing  digital  payments  to  merchants  using automated teller machines (ATMs) are disclosed. An option to register a merchant payment account is provided to a merchant. The option enables the merchant to receive payments from customers by using an ATM in vicinity of a merch...

The invention provides methods, systems and computer program products for responding to a transmission failure event during an electronic payment transaction. The invention implements the steps of (i) receiving a payment instruction for transferring a transaction amount from a payor payment account to a payee paymen...

An inverse recommender system for detecting out-of-pattern payment transactions includes a memory device and a processor programmed to receive transaction data. The transaction data corresponds to historical payment transactions between account holders and merchants. The processor is programmed to generate a merchan...

The invention provides a device that enables storing and handling of a plurality of microchip5 based payment cards within a single housing, and which housing is configured to enable one or more of the microchip-based payment cards to interface with card reader systems without prior removal from the housing. The ho...

Embodiments provide a method for facilitating sharing of digital documents between a sharing party and a relying party. The method includes receiving, by a processing system, an access request for accessing at least one attribute of a digital document. The access request is initiated at a relying party interface in ...

ABSTRACT METHODS AND SYSTEMS FOR FACILITATING ACCESS OF INTERCHANGE PARAMETERS TO A PLURALITY OF DIGITAL APPLICATIONS Systems and methods for facilitating access of interchange parameter data files through a centralized microservice system that integrates a plurality of interchange network systems with a plurali...

Data processing systems and methods for authenticating users are disclosed. In one embodiment a data processing system for authenticating a user of a device comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: determine authentication ...

The present application provides systems and methods for translating a message between a system agnostic format and one of a plurality of predetermined system formats. The methods comprise steps of receiving a message, from a first party, in a system agnostic format that comprises transactional properties of a trans...

ABSTRACT METHODS AND SYSTEMS FOR SERVER FAILURE PREDICTION USING SERVER LOGS Embodiments provide methods and systems for predicting server failures. Method performed by processor includes accessing distinct log clusters representing instructions executed in server, applying first density machine learning model...

A data processing system for authenticating a user with a one-time password is disclosed. The data processing system comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: receive a transaction authorization request for a transaction, th...

METHODS AND SYSTEMS FOR PROVIDING EMERGENCY ALERT MESSAGES BASED ON TRANSACTION RELATED DATA Embodiments provide methods, and systems for facilitating SOS messages to the users who have transacted in a vicinity of an emergency event within a pre-defined time period prior to occurrence of the event. A server sy...

ABSTRACT METHODS AND SYSTEMS FOR DIAGNOSING MALFUNCTIONS OF A PAYMENT TERMINAL Embodiments provide methods, and systems diagnosing malfunctions of a payment terminal. A method includes sending, by a diagnostic device, a communication request to a payment terminal via diagnostic application running on the diagn...

ABSTRACT METHODS AND SYSTEMS FOR FACILITATING A PAYMENT TRANSACTION OVER A SECURE RADIO FREQUENCY CONNECTION Embodiments provide methods, and systems for facilitating a payment transaction utilizing a pre-defined radio frequency allocated by an agency to a merchant. A user may open an application provided and main...

METHODS AND SYSTEMS FOR VERIFYING ELECTRONIC PURCHASES INCLUDING RESTRICTED PRODUCTS AND PAYMENT PROCESSING THEREOF Embodiments provide methods and systems for verifying plurality of user attributes corresponding to a purchase of a user, including restricted products. Methods include receiving a payment request f...

ABSTRACT METHODS AND SYSTEMS FOR ONLINE PURCHASE OF ITEMS IN INCREASED ONLINE TRAFFIC In an embodiment, a method includes receiving an online purchase request in a merchant interface from an electronic device of a customer. The online purchase request includes payment related information of payment card asso...

Embodiments provide methods, and systems for facilitating microservices for cryptographic operations. A method includes receiving, by a server system, a cryptographic service request from at least one application of a plurality of applications over a network communication channel. The cryptographic service request c...

ABSTRACT ANTI-MONEY LAUNDERING METHODS AND SYSTEMS FOR PREDICTING SUSPICIOUS TRANSACTIONS USING ARTIFICAL INTELLIGENCE Embodiments provide anti-money laundering methods, and systems for detecting potential money laundering financial transactions using artificial intelligence. The method performed by a server s...

A method and a system for authenticating a user for a transaction initiated at a terminal device is provided. The terminal device includes a numeric keypad that is configured to record an input PIN entered by the user, a touch screen that is configured to record an input pattern that is drawn by the user, and a set ...

A transaction card comprises a piezoelectric chip configured to detect an impact applied to at least a portion of the transaction card, and generate an electrical pulse signal based on the detected impact. A processing circuitry of the transaction card is coupled to the piezoelectric chip. The processing circuitry, ...

ABSTRACT METHODS AND SYSTEMS FOR CONNECTING WITH A CUSTOMER SERVICE REPRESENTATIVE FOR A FINANCIAL TRANSACTION Embodiments provide methods, and server systems connecting with a customer service representative / agent for a financial transaction. A method includes sending, by a server system, a message relate...

ABSTRACT METHOD AND SYSTEM TO CONTROL PAYMENT TRANSACTIONS IN A PAYMENT CARD USING COMPANION PAYMENT APPLICATION Embodiments provide methods and systems for controlling payment transactions in a payment card using a companion payment application installed on a user device. The payment application and the payme...

A macro fraud detection system for detecting macro level fraud of transaction card automated teller machine (ATM) withdrawals includes a memory device for storing data and a processor. The processor is communicatively coupled to the memory device and is programmed to receive first transaction data corresponding to h...

ABSTRACT METHODS AND SYSTEMS FOR CARDLESS PAYMENT TRANSACTIONS ASSOCIATED WITH FINANCIAL AID Embodiments provide methods and systems for conducting a cardless and offline payment transaction to provide aid in affected geographical locations. In an embodiment, a beneficiary profile of a beneficiary is created by a ...

ABSTRACT METHODS AND SYSTEMS FOR DISPLAYING HEALTH STATUS OF A PAYMENT CARD Embodiments provide methods and systems for determining and displaying health status of a payment card. The payment card includes a planar body, an interconnection circuit and a display section. The planar body houses a payment card pr...

A method for securely presenting transaction card data of a transaction card includes receiving, by a server, a pairing request to pair the transaction card with a user device. Based on the pairing request, the transaction card is paired with the user device by way of a pairing identifier. The server receives, from ...