Abstract: Systems and techniques for increasing the efficiency of a process of providing a resource by a resource provider are disclosed. In one example, a method detects a presence of a vehicle at a fuel dispenser, transmits an authorization request message automatically in response to detecting the presence of the vehicle, and automatically allows the fuel dispenser to dispense fuel to the vehicle.

Abstract: Described are systems and methods for generating and displaying ratings for points of interest in a region. A method for generating ratings includes receiving transaction data from a plurality of points of interest, the transaction data representing financial transactions between a plurality of individuals and each point of interest of the plurality of points of interest. A method also includes automatically generating, for each point of interest of the plurality of points of interest, at least one point of interest rating based at least partially on the transaction data for the point of interest. A method further includes, in response to a selection of a chosen point of interest of the plurality of points of interest, providing to at least one user the at least one point of interest rating associated with the chosen point of interest.

Abstract: Described are systems and methods for generating and displaying ratings for points of interest in a region. A method for generating ratings includes receiving transaction data from a plurality of points of interest, the transaction data representing financial transactions between a plurality of individuals and each point of interest of the plurality of points of interest. A method also includes automatically generating, for each point of interest of the plurality of points of interest, at least one point of interest rating based at least partially on the transaction data for the point of interest. A method further includes, in response to a selection of a chosen point of interest of the plurality of points of interest, providing to at least one user the at least one point of interest rating associated with the chosen point of interest.

Abstract: Systems and techniques for increasing the efficiency of a process of providing a resource by a resource provider are disclosed. In one example, a method detects a presence of a vehicle at a fuel dispenser, transmits an authorization request message automatically in response to detecting the presence of the vehicle, and automatically allows the fuel dispenser to dispense fuel to the vehicle.

Abstract: Systems and methods for authenticating parties involved in a transaction are disclosed. Some embodiments of the disclosure are directed to systems and methods for authenticating various identification attributes of a participant in a transaction. The attributes can include items such as the participant's name, address, social security number, date of birth, or any other identifying attributes. In some embodiments, all participants in a transaction may have identification information authenticated. The 3-D Secure protocol and framework is extended and enhanced to provide the ability to authenticate the identification details of participants in transactions.

Abstract: A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first dynamic data element and a second dynamic data element. The verification value is sent to a service provider associated with the portable consumer device so that the service provider can verify the transaction.

Abstract: A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card to authorizing the contactless transaction.

Abstract: Methods and systems for dynamically generating a verification value for a transaction and for utilizing such value to verify the authenticity of the payment service application. The dynamically created verification value may be generated on a payment device, such as an integrated circuit credit card or smart card, embedded into the payment data, and transmitted to a point of sale terminal. Alternatively, payment data is sent by a payment device to a point of sale terminal, which generates a verification value and embeds it into the payment data. The embedded verification value is used by a service provider to verify the authenticity of the transaction. The methods and systems may be used in a contactless (wireless) environment or a non-wireless environment.

Abstract: A system and method for managing one or more applications deployed on a mobile electronic device, such as a cellular phone, are disclosed. The system and method enable the user of a mobile electronic device to select one of a plurality of applications deployed on the mobile electronic device for use in a transaction and to authenticate himself or herself prior to initiating the transaction. The transaction may occur via a wireless interface and/or a contact-based interface. In addition, the system and method allow the user to manage applications deployed on a mobile electronic device, including adding new applications, designating nicknames for the applications and setting security codes for each application.