Abstract: An entity may generate digital account credentials when a new account is approved for generation by an authorizing entity that controls or issues new accounts. A user may contact an authorizing entity to open a new account with the authorizing entity. The authorizing entity may authenticate the user and may approve a new account to be generated for the user. The user may wish to conduct transactions immediately upon approval. However, the authorizing entity may not immediately generate a physical identification device along with an actual account identifier associated with the new account. An intermediary entity may generate digital account credentials for the new account immediately after the authorizing entity approves generation of the new account, provide the digital account credentials to the account holder, and process transactions using the digital account credentials.

Abstract: An entity may generate digital account credentials when a new account is approved for generation by an authorizing entity that controls or issues new accounts. A user may contact an authorizing entity to open a new account with the authorizing entity. The authorizing entity may authenticate the user and may approve a new account to be generated for the user. The user may wish to conduct transactions immediately upon approval. However, the authorizing entity may not immediately generate a physical identification device along with an actual account identifier associated with the new account. An intermediary entity may generate digital account credentials for the new account immediately after the authorizing entity approves generation of the new account, provide the digital account credentials to the account holder, and process transactions using the digital account credentials.

Abstract: A method is disclosed and includes receiving, from a network computer, an authorization request message in a first data format for an interaction and converting the authorization request message in a first data format to a second data format. The method also includes transmitting the authorization request message in the second data format to a processing system comprising plurality of processing modules. The processing system uses the plurality of processing modules to process the data in the authorization request message in the second data format.

Abstract: An entity may generate digital account credentials when a new account is approved for generation by an authorizing entity that controls or issues new accounts. A user may contact an authorizing entity to open a new account with the authorizing entity. The authorizing entity may authenticate the user and may approve a new account to be generated for the user. The user may wish to conduct transactions immediately upon approval. However, the authorizing entity may not immediately generate a physical identification device along with an actual account identifier associated with the new account. An intermediary entity may generate digital account credentials for the new account immediately after the authorizing entity approves generation of the new account, provide the digital account credentials to the account holder, and process transactions using the digital account credentials.

Abstract: An entity may generate digital account credentials when a new account is approved for generation by an authorizing entity that controls or issues new accounts. A user may contact an authorizing entity to open a new account with the authorizing entity. The authorizing entity may authenticate the user and may approve a new account to be generated for the user. The user may wish to conduct transactions immediately upon approval. However, the authorizing entity may not immediately generate a physical identification device along with an actual account identifier associated with the new account. An intermediary entity may generate digital account credentials for the new account immediately after the authorizing entity approves generation of the new account, provide the digital account credentials to the account holder, and process transactions using the digital account credentials.

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: An entity may generate digital account credentials when a new account is approved for generation by an authorizing entity that controls or issues new accounts. A user may contact an authorizing entity to open a new account with the authorizing entity. The authorizing entity may authenticate the user and may approve a new account to be generated for the user. The user may wish to conduct transactions immediately upon approval. However, the authorizing entity may not immediately generate a physical identification device along with an actual account identifier associated with the new account. An intermediary entity may generate digital account credentials for the new account immediately after the authorizing entity approves generation of the new account, provide the digital account credentials to the account holder, and process transactions using the digital account credentials.

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 remote payments assurance system includes a Proxy Service Manager Server, an Authentication Service Manager Server computer, an Acquirer Financial Institution (FI) Server computer, a payment network, and an Issuer financial institution server computer. A storage device of the Proxy Service Manager Server computer stores instructions which causes a processor to receive a consumer authentication request from a merchant device obtained during a card not present (CNP) transaction, transmit the consumer authentication request to the Authentication Service Manager Server computer, establish a secure communications channel between the Proxy Service Manager Server computer and the Authentication Service Manager Server computer, and transmit the consumer authentication request via the secure communications channel to the Authentication Service Manager Server computer.

Abstract: Payments assurance methods and systems are described. In some embodiments, a Proxy Service Manager Server computer receives a consumer authentication request from a merchant device, and transmits that request to an Authentication Service Manager Server computer. The Proxy Service Manager Server computer then receives a non-repudiable accountholder authentication value (“AAV”) token, generates a payment authorization request that includes the AAV token, and transmits the payment authorization request to an Acquirer financial institution (FI) Server computer. The Proxy Service Manager Server computer is then operable to receive a payment authorization message, and to transmit the payment authorization message to the merchant device to enable a merchant to complete a purchase transaction with a consumer.

Abstract: According to embodiments of the invention, data not ordinarily sent through a transaction network can be transmitted to a resource provider (e.g., a merchant) in an authorization response message. For example, a location of an authorized user of a credential can be transmitted to a merchant to be compared to the merchant's location. This allows the merchant to determine whether to deliver goods or services to a consumer presenting the credential. In an additional or alternative example, transaction statistics can be transmitted to a merchant to allow the merchant to perform analytics. In both cases, the authorization response message serves the function of not only providing authorization services, but also authentication services (via user location) and/or data services (via statistics).

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: Methods and apparatus for conducting a payment card system payment transaction initiated from a customer's mobile device. In an embodiment, the customer's mobile device processor receives transaction information from a payment services provider computer, and generates a request for a payment transaction including a customer identification code that identifies the customer's payment card account, the transaction amount, and instructions to transfer funds from the payment card account to a merchant payment card account. The method includes transmitting the payment transaction request to the payment services provider computer, receiving a challenge to provide at least one item of security information, transmitting the security information to the payment services provider, and then receiving a confirmation message indicating execution of the payment transaction.

Abstract: A method includes a processor receiving transaction information from a merchant device, which includes a transaction amount, merchant identifying information and customer addressing information. The processer transmits the merchant identifying information to a customer mobile device, and receives a payment transaction request to transfer funds from a customer account to a merchant. The processor translates the customer addressing information into a customer payment card account number, and the merchant identifying information into a merchant payment card account number. The processor then transmits the payment transaction request to the customer's issuer financial institution, which request includes the customer payment card account number, the transaction amount, and the merchant payment card account number.

Abstract: A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing within a database a list of merchants participating in a co-brand program with the interchange network, receiving an authorization request for the transaction involving the co-brand payment card wherein the authorization request includes a merchant identifier, determining whether the transaction originated at one of the participating merchants by comparing the received merchant identifier to the list of participating merchants stored within the database, manipulating the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting an authorization response from the interchange network to the acquirer.

Abstract: A method of operating a merchant device includes the merchant device receiving an input from a customer mobile device concerning a financial transaction. The method further includes the merchant device selecting a payment transaction mode of operation when the input is a request for a payment card system transaction, or selecting a payment card purchase transaction mode of operation when the input from the customer mobile device is a payment card account number. In the payment transaction mode of operation the merchant device provides transaction data to the customer's mobile device, whereas in the payment card purchase transaction mode the merchant device transmits a payment card authorization request to an acquirer financial institution.

Abstract: Methods, systems, apparatus and computer program products for implementing a mobile remote payment system that allows consumers and merchants to engage in mobile remote payment transactions regardless of their registration point are described. In an embodiment, a mobile remote payment (MRP) switch computer receives from an originating service manager computer, a payment authorization request that comprises payment data, an originating service manager identifier, and a merchant identifier of a merchant.

Abstract: Payments assurance methods and systems are described. In some embodiments, a Proxy Service Manager Server computer receives a consumer authentication request from a merchant device, and transmits that request to an Authentication Service Manager Server computer. The Proxy Service Manager Server computer then receives a non-repudiable accountholder authentication value (“AAV”) token, generates a payment authorization request that includes the AAV token, and transmits the payment authorization request to an Acquirer financial institution (FI) Server computer. The Proxy Service Manager Server computer is then operable to receive a payment authorization message, and to transmit the payment authorization message to the merchant device to enable a merchant to complete a purchase transaction with a consumer.

Abstract: A method and system for processing a financial transaction using a payment card through a third-party interchange network is provided. The financial transaction is initiated by a cardholder at a merchant location.