Abstract: A method and associated system for performing a transaction using biometric input from a cardholder 20 to establish both the presence of the cardholder at a point of sale 10, cardholder identification, and the cardholder's informed consent to a particular transaction, cardholder consent. In some embodiments, a single, unusual biometric input, such as placing the little fingers of both hands on a fingerprint scanner 24a, is detected at the point of sale 10 to establish both cardholder identity and cardholder consent in a single, convenient action.

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: 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: 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: 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.