Abstract: Systems and methods for providing push payment transaction processing in a card-present environment are provided. The described push payment transactions processing enables a user having any form factor visiting at a merchant location accepting payment cards to perform push payment transactions. Indeed, push payment transactions can be supported from physical point-of-sale (“POS”) or originate from POS terminals. During the described push payment transaction processing, a merchant acquirer can receive, from a POS terminal, a push payment transaction request comprising at least a transaction type indicating a push payment transaction, transaction information, authorization data, and sender information. In response to receiving the push payment transaction request, the merchant acquirer can generate an application programming interface (API) request package comprising the push payment transaction request; and communicate the API request package to an intermediary platform connected to a payment network.

Abstract: A computer-implemented method for management of a transaction within a network, the network comprising a first entity, a transaction server and a second entity, wherein the transaction is taking place at the first entity and the management of the transaction comprises an authorization phase in which the second entity determines if the transaction is to be approved, and a clearing phase in which, if the transaction has been approved, transaction data is exchanged between the first entity and the second entity. The method is implemented at the transaction server. A computer program product includes instructions which, when the program is executed by a computer, causes the computer to carry out the above method. A computer-readable storage medium includes instructions which, when executed by a computer, causes the computer to carry out the above method.

Abstract: Systems and methods are provided for adapting network messaging. One example method includes receiving, by a computing device, input data indicative of a network transaction, where the input data includes a non-conforming account number inconsistent with a standard format for a payment network. The method also includes compiling a network message for the network transaction with a party generic number included in a data element of the network message reserved for a user account number and the non-conforming account number in a different data element of the network message, wherein the party generic number includes a format consistent with the standard format for the payment network, and transmitting the network message to a party associated with the party generic number.

Abstract: Methods and apparatus for operating an automatic teller machine (ATM) to perform a mobile telephone top up. In an embodiment, a card reader associated with an ATM processor reads a card account number and receives, via an input device, an indication from the cardholder to perform a mobile telephone top up transaction. The ATM processor then transmits a request for prior top up transaction data to a service provider computer, receives the requested data, displays it on a display screen, receives a selection by the cardholder of a mobile telephone carrier and a mobile telephone number, and receives an amount of money indication to apply. The ATM processor then transmits a second request to the service provider including the amount of money indication and the selection from the displayed prior top up transaction data.

Abstract: Performance and processing of a contactless transaction at an electronic payment device with a terminal of a transaction system is described. In the device, an account data set is prepared for use in contactless transactions. This account data set comprises user account details to identify a user account with an issuer for the user account and an indicator indicating that the contactless transaction is a customer not present (CNP) transaction. A contactless transaction is performed with the terminal using the contactless transaction account data set. In processing, transaction details of a contactless transaction are received and reviewed to determine whether the contactless transaction is indicated to be a customer present or a customer not present transaction. If the contactless transaction is indicated to be a customer present transaction, an issuing bank for the electronic payment device is notified.

Abstract: Techniques are provided for a method of installment payment transactions associated with a credit card account. An installment service having one or more servers receives a credit card transaction. An installment payment amount for the transaction is calculated. Based on the calculated payment amount, an installment payment offer is presented to a confirmation device.

Abstract: Methods and apparatus for operating an automatic teller machine (ATM) to perform a mobile telephone top up. In an embodiment, a card reader associated with an ATM processor reads a card account number and receives, via an input device, an indication from the cardholder to perform a mobile telephone top up transaction. The ATM processor then transmits a request for prior top up transaction data to a service provider computer, receives the requested data, displays it on a display screen, receives a selection by the cardholder of a mobile telephone carrier and a mobile telephone number, and receives an amount of money indication to apply. The ATM processor then transmits a second request to the service provider including the amount of money indication and the selection from the displayed prior top up transaction data.

Abstract: A method of reducing chargebacks due to a cancelled recurring payment, wherein the payment occurs within a card-based financial network, and wherein the network includes a database of unauthorized recurring charges and a defined chargeback procedure. The method generally includes the step of upgrading a recurring payment cancellation services file based on predefined occurrences relating to the identifying of cancelled recurring payments.

Abstract: A method of reducing chargebacks due to a cancelled recurring payment, wherein the payment occurs within a card-based financial network, and wherein the network includes a database of unauthorized recurring charges and a defined chargeback procedure. The method generally includes the step of upgrading a recurring payment cancellation services file based on predefined occurrences relating to the identifying of cancelled recurring payments.

Abstract: A method of reducing chargebacks due to a cancelled recurring payment, wherein the payment occurs within a card-based financial network, and wherein the network includes a database of unauthorized recurring charges and a defined chargeback procedure. The method generally includes the step of upgrading a recurring payment cancellation services file based on predefined occurrences relating to the identifying of cancelled recurring payments.

Abstract: Techniques are provided for a method of installment payment transactions associated with a credit card account. An installment service having one or more servers receives a credit card transaction. An installment payment amount for the transaction is calculated. Based on the calculated payment amount, an installment payment offer is presented to a confirmation device.

Abstract: A method includes receiving a request from an automatic teller machine (ATM). The request indicates that a user of the ATM wishes to perform a current top up transaction for a mobile telephone owned by the user. The method further includes responding to the request by downloading a message to the ATM. The message contains data that indicates one or more mobile telephone carriers and one or more mobile telephone numbers that were subject to a prior top up transaction performed by the user.