Abstract: Examples provide consumer identity validation (CIV) via last used payment card, improving management of payment infrastructure resources. Examples enable the consumer to more efficiently complete CIV via at least one of a last used account or a last used card. By not requiring consumers to repeatedly go through the entire CIV process at each transaction at the same merchant when using the exact same card they used on a previous visit, excessive and unnecessary strain on the infrastructure is reduced, preventing degradation of the infrastructure. This enables allocating fewer computing resources to CIV, making deployments utilizing low-power or otherwise constrained equipment simpler and easier to maintain. Thus, scaling is enhanced. Individual CIV performance is more efficient, and less computing resources and energy are required across the entire infrastructure.

Abstract: A method includes associating a virtual card number (VCN) with an account owned by a customer. The VCN is in a format used for account numbers in a payment card system. The account is not a payment card system account. After a P2M (person to merchant) push payment transaction funded by the account, a request is received from the customer to perform a chargeback with respect to the P2M transaction. A message is transmitted to execute the requested chargeback. The message includes the VCN.

Abstract: A message is generated, with the message including a URL (uniform resource locator). The URL points to a web location. The web location is for facilitating a payment to a payment recipient. The message is transmitted to a mobile device owned by the payment recipient.

Abstract: A phone-based electronic wallet providing authenticated transactions across multiple channels of commerce. The electronic wallet may be used for point-of-sale payments, remote mobile payments and/or web-based payments, and may use authentication tools such as offline PINs, SecureCode PINs and/or online PINs.

Abstract: A method for distribution and transfer of entitlement certificates includes: storing account profiles, each account including an account identifier, primary account number, and account balance; receiving an entitlement request from a computing device including a specific account identifier, entitlement balance, and usage controls; identifying a specific account profile that includes the specific account identifier; generating an entitlement certificate that includes the entitlement balance and usage controls; generating an entitlement identifier for the entitlement certificate; placing a hold associated with the entitlement certificate on the account balance included in the specific account profile for the entitlement balance; and transmitting the entitlement certificate to the computing device.

Abstract: A method includes associating a virtual card number (VCN) with an account owned by a customer. The VCN is in a format used for account numbers in a payment card system. The account is not a payment card system account. After a P2M (person to merchant) push payment transaction funded by the account, a request is received from the customer to perform a chargeback with respect to the P2M transaction. A message is transmitted to execute the requested chargeback. The message includes the VCN.

Abstract: A phone-based electronic wallet providing authenticated transactions across multiple channels of commerce. The electronic wallet may be used for point-of-sale payments, remote mobile payments and/or web-based payments, and may use authentication tools such as offline PINs, SecureCode PINs and/or online PINs.

Abstract: A message is generated, with the message including a URL (uniform resource locator). The URL points to a web location. The web location is for facilitating a payment to a payment recipient. The message is transmitted to a mobile device owned by the payment recipient.

Abstract: A method for processing a transaction, comprising: receiving, by an aggregator from a merchant, a transaction data signal electronically transmitted via a communication network; transmitting, by the aggregator to a mobile network operator (MNO), an authorization message; receiving, by the aggregator from the MNO, an approval transaction data signal; transmitting, by the aggregator to a payment network, a request message configured to indicate a virtual card number (VCN) request associated with the MNO's transaction account for the transaction amount; receiving, by the aggregator from the payment network, a VCN transaction data signal; and transmitting, to the payment network, a VCN message indicating the VCN initiation of a payment transaction.

Abstract: A method and a system for providing a payment cardholder with multiple funding source options for a payment card are provided herein. First, a managing platform associates at least two funding sources with the payment card. The funding sources include a first funding source and a second funding source. Next, the first funding source is designated as a default funding source and a set of pre-defined routing rules for funding transactions made with the payment card. Then, the managing platform intercepts each transaction of the payment card and routes the transactions to an issuer funding system for the first funding source using the managing platform.

Abstract: A digital account reference is associated with a user's account. A refund message is received. The refund message includes the digital account reference. A monetary amount is credited to the user's account based on the refund message. A notification is transmitted to the user. The notification is about the credit to the account. The transmission of the notification occurs immediately after the refund message is received.

Abstract: Geographical location information provided by a mobile device is used as a control on the use of a payment card as described. Mobile device identification is linked to a payment card account such that when a payment card authorization request is received, information about the geographic location of the origination of the request is checked against the geographic location provided by the mobile device, and if there is a match, the transaction can further processed for authorization or directly authorized.

Abstract: 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 between the mobile device and an issuer of the sending account, pulling the requested payment from the issuer of the sending account to the sponsor system, where the pulling shifts a liability of a chargeback to the issuer of the sending account, and pushing the requested payment from the sponsor system to an issuer of the receiving account. In addition, if the merchant is a QR merchant, a method may include accessing the PAN and merchant info from the QR code to process a pull/push transaction using non-issuer digital wallet credentials from contactless tap.

Abstract: A method and a system for providing a payment cardholder with multiple funding source options for a payment card are provided herein. First, a managing platform associates at least two funding sources with the payment card. The funding sources include a first funding source and a second funding source. Next, the first funding source is designated as a default funding source and a set of pre-defined routing rules for funding transactions made with the payment card. Then, the managing platform intercepts each transaction of the payment card and routes the transactions to an issuer funding system for the first funding source using the managing platform.

Abstract: A method and a system for providing a payment cardholder with multiple funding source options for a payment card are provided herein. First, a managing platform associates at least two funding sources with the payment card. The funding sources include a first funding source and a second funding source. Next, the first funding source is designated as a default funding source and a set of pre-defined routing rules for funding transactions made with the payment card. Then, the managing platform intercepts each transaction of the payment card and routes the transactions to an issuer funding system for the first funding source using the managing platform.

Abstract: A phone-based electronic wallet providing authenticated transactions across multiple channels of commerce. The electronic wallet may be used for point-of-sale payments, remote mobile payments and/or web-based payments, and may use authentication tools such as offline PINs, SecureCode PINs and/or online PINs.

Abstract: A phone-based electronic wallet providing authenticated transactions across multiple channels of commerce. The electronic wallet may be used for point-of-sale payments, remote mobile payments and/or web-based payments, and may use authentication tools such as offline PINs, SecureCode PINs and/or online PINs.

Abstract: Encrypted payment data messages are sent via a communication network. A payment data message is generated including a primary account number of the account associated with the sender device and a transaction amount. The payment data message is encrypted with a public key of the receiver device. The payment data message is transmitted to the receiving server via the communication network. The receiving server has a private key of the receiver device corresponding to the public key and a receiving account number for the account associated with the receiver device. A payment authorization is generated by the receiving server for processing by the transaction card payment network based on the primary account number of the account associated with the sender device, the transaction amount, and the receiving account number.

Abstract: A method for distribution and transfer of entitlement certificates includes: storing account profiles, each account including an account identifier, primary account number, and account balance; receiving an entitlement request from a computing device including a specific account identifier, entitlement balance, and usage controls; identifying a specific account profile that includes the specific account identifier; generating an entitlement certificate that includes the entitlement balance and usage controls; generating an entitlement identifier for the entitlement certificate; placing a hold associated with the entitlement certificate on the account balance included in the specific account profile for the entitlement balance; and transmitting the entitlement certificate to the computing device.

Abstract: A method for processing a transaction, comprising: receiving, by an aggregator from a merchant, a transaction data signal electronically transmitted via a communication network; transmitting, by the aggregator to a mobile network operator (MNO), an authorization message; receiving, by the aggregator from the MNO, an approval transaction data signal; transmitting, by the aggregator to a payment network, a request message configured to indicate a virtual card number (VCN) request associated with the MNO's transaction account for the transaction amount; receiving, by the aggregator from the payment network, a VCN transaction data signal; and transmitting, to the payment network, a VCN message indicating the VCN initiation of a payment transaction.