Abstract: Embodiments provide methods and systems for analyzing device behavior data in multi-factor authentication (MFA) process. The method includes receiving, by a server system, a request in association with a payment transaction between a cardholder and a merchant. The request includes a cardholder identifier and information of a successful verification of a user input entered by the cardholder to perform MFA of the payment transaction. The method includes identifying user profile data stored in a database based on the cardholder identifier. The user profile data includes information of a plurality of registered user devices associated with the cardholder. The method includes performing device behavioral analysis of one or more user devices. The method includes generating an MFA token associated with the payment transaction based on the device behavioral analysis. The method includes transmitting the MFA token for authorizing the payment transaction to a payment server associated with a payment network.

Abstract: A method for establishing account controls for a transaction account through specially configured personal identification numbers includes: storing, in an account profile, an account identifier, standard personal identification number (PIN), and blocking PIN; receiving a first authorization request for a first payment transaction including the account identifier, a merchant identifier, and the blocking PIN; inserting the merchant identifier into the account profile; receiving a second authorization request for a second payment transaction including the account identifier and the merchant identifier; and transmitting an authorization response in response to the second authorization request including a response code indicating decline of the second payment transaction.

Abstract: A method for facilitating payment transactions for offline merchants through a third party service provider includes: receiving, by processing server, a confirmation message for a payment transaction from a computing device including a merchant identifier, consumer identifier, and transaction amount; generating, by the processing server, a notification message including the merchant identifier, consumer identifier, and transaction amount; encrypting, by the processing server, the notification message using a public key of a first cryptographic key pair; transmitting, by the processing server, the encrypted notification message to the computing device; receiving, by an encryption device, the encrypted notification message from the computing device; decrypting, by the encryption device, the encrypted notification message using a private key of the first cryptographic key pair; and displaying, by a display interfaced with the encryption device, a confirmation message including the consumer identifier included in

Abstract: 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 processing section. The interconnection circuit is configured within the planar body. The interconnection circuit is configured to generate a damage signal in response to a physical damage of at least a portion of the planar body or the payment card processing section. The display section is positioned in the planar body for displaying a visual information indicating health status of the payment card in response to the damage signal for a cardholder.

Abstract: A method for facilitating payment transactions for offline merchants through a third party service provider includes: receiving, by processing server, a confirmation message for a payment transaction from a computing device including a merchant identifier, consumer identifier, and transaction amount; generating, by the processing server, a notification message including the merchant identifier, consumer identifier, and transaction amount; encrypting, by the processing server, the notification message using a public key of a first cryptographic key pair; transmitting, by the processing server, the encrypted notification message to the computing device; receiving, by an encryption device, the encrypted notification message from the computing device; decrypting, by the encryption device, the encrypted notification message using a private key of the first cryptographic key pair; and displaying, by a display interfaced with the encryption device, a confirmation message including the consumer identifier included in

Abstract: 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 processing section. The interconnection circuit is configured within the planar body. The interconnection circuit is configured to generate a damage signal in response to a physical damage of at least a portion of the planar body or the payment card processing section. The display section is positioned in the planar body for displaying a visual information indicating health status of the payment card in response to the damage signal for a cardholder.

Abstract: A method for facilitating payment transactions for offline merchants through a third party service provider includes: receiving, by processing server, a confirmation message for a payment transaction from a computing device including a merchant identifier, consumer identifier, and transaction amount; generating, by the processing server, a notification message including the merchant identifier, consumer identifier, and transaction amount; encrypting, by the processing server, the notification message using a public key of a first cryptographic key pair; transmitting, by the processing server, the encrypted notification message to the computing device; receiving, by an encryption device, the encrypted notification message from the computing device; decrypting, by the encryption device, the encrypted notification message using a private key of the first cryptographic key pair; and displaying, by a display interfaced with the encryption device, a confirmation message including the consumer identifier included in

Abstract: A method for establishing account controls for a transaction account through specially configured personal identification numbers includes: storing, in an account profile, an account identifier, standard personal identification number (PIN), and blocking PIN; receiving a first authorization request for a first payment transaction including the account identifier, a merchant identifier, and the blocking PIN; inserting the merchant identifier into the account profile; receiving a second authorization request for a second payment transaction including the account identifier and the merchant identifier; and transmitting an authorization response in response to the second authorization request including a response code indicating decline of the second payment transaction.

Abstract: The present disclosure provides an electronic system, a method, and a non-transitory computer medium for facilitating product purchase. The system includes a server including a processor and a memory configured to store computer-readable instructions on the non-transitory computer medium.