Abstract: Embodiments of the present invention provide methods and systems to enable a digital wallet identifier to be present in communications associated with transaction data for transactions that are facilitated by a digital wallet provider. In one embodiment, a communication device of a user receives a request for payment credentials required to conduct a transaction and obtains the payment credentials. The payment credentials include a digital wallet identifier and at least some of the payment credentials are obtained from a trusted execution environment associated with the communication device. The obtained payment credentials are provided to an access device associated with a merchant. The access device is configured to initiate the transaction by generating an authorization request message including the payment credentials for onward transmission to an issuer computer.

Abstract: A contactless communications device (10) comprises one or more near-field communication (NFC) chips (28) each configured to store information and be read by a corresponding NFC reader. The device also comprises a selection means (14) for selectively activating one or more of said chips. In use, a said NFC reader can read information from one or more of said chips only when selected and activated and when in NFC reading range. The communications device is further configured to permit data to be read from one or more of said chips only when an authentication, such as an authentication sequence, is performed utilizing the selection means in range of a said NFC chip reader.

Abstract: A method, apparatus and system for processing a payment request for a virtual commodity on an open network platform are provided. The method includes: receiving a payment request that is sent by a third-party application server according to a request from a terminal, the payment request carrying at least an account identifier; deducting a charge from an account corresponding to the account identifier according to a payment attribute corresponding to the account identifier; and sending a charge deduction result corresponding to the account to the terminal via the third-party application server. According to the present method, usage rate of network and system resources is improved.

Abstract: A payment processing apparatus and a system or a method are provided that have a location-agnostic payment code, where the user does not have to check in to the merchant's location. Further, the reliance on the network connection is reduced by caching or storing payment codes at the user's mobile device. The payment codes may have expiration and may be used once. The payment codes may be revoked or canceled if the user's mobile device is compromised or stolen. In an embodiment, the payment codes may be generated and provided to the user's mobile device when the payment application at the user's mobile device is refreshed. For example, the payment application is refreshed based on user's payment history or payment habits. In another embodiment, the payment codes may be generated and provided to the user's mobile device when the user is within a predetermined distance from a merchant.

Abstract: Systems, methods, and computer-readable media for provisioning multiple credentials of a multi-scheme card on an electronic device for selective use in a secure transaction are provided.

Abstract: A method for implementing a virtual communication card is provided. The method is applied to a terminal device and includes: resolving a data file prestored locally to obtain communication card information carried in the data file; loading the data file when the data file is determined to be matched with communication card information to be used according to the communication card information; and activating the data file to be used as a virtual communication card when the data file is determined to be in an unregistered state. An apparatus for implementing a virtual communication card is further provided.

Abstract: Product offering systems are provided. Product offering systems may include sending an offer to a customer that possesses a mobile computing device and has agreed to receive offers for products via the mobile computing device. Agreeing to receive offers would result in the unique data about the customer being available to offer provider. Unique customer data may include data related to the customers wireless service provider or from a financial account in a financial institution, and collecting customer data about the customer, wherein the customer data comprises financial data and personal data. Product offering systems may further include registering a wireless computing device of the customer to able the device to receive the offer, and determining opportunities to send the offer to the customer by monitoring the customer and the customer data. Product offering systems may also include sending the offer to the customer's registered device based on the determination of opportunities.

Abstract: A system provides a way for a person to control access to digital assets, including financial accounts, through a common gateway that can interact on the person's behalf with service providers that manage the digital assets. Brokers may act as intermediaries between the gateway and the service providers, providing a common interface to the gateway and a specific interface to a service provider. Trigger events can cause the gateway to interact with the service providers, causing the service providers to take a desired action. The trigger events may include notification sent by the person, timed events, and other detected events.

Abstract: A mobile communications device for providing proximity-based assistance includes a communications interface, a processor, and a memory that is configured to store instructions thereon that cause a processor to register, at a first time, a user of the mobile device as needing a type of assistance. The instructions also cause the processor to broadcast, at a second time, a request for assistance. The request includes the type of assistance needed. The request is broadcast to helper devices that are within a predetermined proximity of the user. Each of the helper devices is associated with a corresponding user that is registered to assist with the particular type of assistance needed. The instructions cause the processor to receive an indication from a helper device that the corresponding user has accepted the help request, determine that the corresponding user has assisted the user, and notify staff that the user has been assisted.

Abstract: The present invention provides an electronic wallet having a higher level of anonymity, security and convenience, which is capable of efficient electronizing of value information as well as which allows the user to efficiently manage the electronic value information. A presentation card indicating the fixed property of an electronic value is digitally signed by the service provider; a variable property is digitally signed with the private key of that electronic value. A service control, security information, representation control and representation resource are digitally signed by the service provider. These digital signature will be authenticated each time an electronic value object is generated.

Abstract: A method, system and computer program product for integrating a mobile payment application with other mobile applications while preventing security exposures. A set of application programming interfaces of mobile applications that may possibly be utilized by a pass created by a mobile payment application is generated in response to receiving an indication that the pass was created. A “pass,” as used herein, refers to a form of mobile payment, such as a gift card. A selection of these application programming interfaces may then be received to interact with the created pass. In this manner, the existing mobile applications are seamlessly integrated with the features of passes. Furthermore, a virtual container is created for the created pass and the selected application programming interfaces to interface with the created pass. By creating such a container, the data to be exposed to the application layer can be controlled.

Abstract: Methods and systems for providing the most suitable payment methods to a user in a specific transaction are described. A service provider uses information obtained from a merchant about the transaction and information the service provider knows about a user to generate a list of possible payment methods. The service provider determines which payment methods the user may want to use for the transaction by looking at, for example, user preferences, merchant preferences, and past purchases made by the user, and the payment methods are displayed on a user device.

Abstract: There are provided systems and methods for a communication device interface for merchant check-in and shopping notifications. A user may enter shopping preferences to a module of a communication device in order to receive notifications and alerts when items matching the shopping preferences are available with one or more merchants. A service provider may receive the shopping preferences with user attributes, such as a user location and/or account balance. The attributes may be determined using applications and/or modules of the communication device or through a check-in by the user at a location. The service provider may determine shopping notifications having purchase offers for the items from available merchants. The purchase offers may include offers to sell the items and discounts for the items. The shopping notifications may be displayed to the user using a user device interface, such as cells within an application or mobile device home screen.

Abstract: A method, system and computer program product for integrating a mobile payment application with other mobile applications while preventing security exposures. A set of application programming interfaces of mobile applications that may possibly be utilized by a pass created by a mobile payment application is generated in response to receiving an indication that the pass was created. A “pass,” as used herein, refers to a form of mobile payment, such as a gift card. A selection of these application programming interfaces may then be received to interact with the created pass. In this manner, the existing mobile applications are seamlessly integrated with the features of passes. Furthermore, a virtual container is created for the created pass and the selected application programming interfaces to interface with the created pass. By creating such a container, the data to be exposed to the application layer can be controlled.

Abstract: A technique for providing a checkout experience using a payment card is disclosed. An electronic device at a store detects a movement of a product away from the store by using a first short-range wireless link. The electronic device then receives from the product information identifying the product. The electronic device also detects the presence of a payment card near the product around the same time that it detects the movement of the product, by using a second short-range wireless link. The electronic device then receives information from the payment card information identifying an account on a server system. Upon determining that the product is at least a certain distance away from the store for at least a certain amount of time, the electronic device processes a payment for the product by the owner of the account.

Abstract: Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.

Abstract: A computer-implemented system and method for providing offers to a mobile device includes receiving at least one offer from at least one merchant at an offer computer system and determining, by the offer computer system, an offer to present on the mobile device based on at least one characteristic of a user of the mobile device, the offer providing the user a discount from a price of a product or service. The method includes receiving a request for a code to provide to a merchant, the code being generated for the mobile device that belongs to the user. The method includes receiving, from a mobile device, an indication from the user to use the offer and sending, by the offer computer system, to the mobile device an offer code to be displayed on the mobile device to be received by a merchant.

Abstract: Systems and methods for driver authentication through embedded sensing are disclosed. In one embodiment, a system for driver authentication through embedded sensing may include a vehicle that may include a plurality of sensors, each sensor sensing at least one of a characteristic of a vehicle occupant and a movement of the vehicle occupant; at least one computer processor executing a computer application, the computer application receiving and processing data from the plurality of sensors; and a communication interface. The system may further include a back-end server in communication with the vehicle communication interface and a plurality of locations in communication with the back-end server. In one embodiment, the characteristic may be a biometric characteristic of the vehicle occupant.

Abstract: A method of associating a customer's mobile computer device with an order for goods and/or services taken by a waiter on a waiter's mobile computer device in a merchant's venue, including the steps of: (a) receiving data representing a customer's order for goods and/or services; (b) generating an order identification code; (c) generating a total amount payable for the goods and/or services ordered; (d) pairing the waiter's device with the customer's mobile computer device, said pairing resulting in generation of a pairing identification code; (e) receiving from the customer's device a device identification code; and (f) generating a transaction identification code based on (i) the order identification code; (ii) the device identification code and/or the pairing identification code; and (iii) the total amount payable; and (g) sending data representing the customer's order and the transaction identification code to a point of sale system to prepare the order.

Abstract: Presented are apparatus and methods for utilizing coupons and the like in the context of a contactless payment process. A processor of a payment-enabled mobile device stores a Proximity Coupon System Environment (PCSE). The PCSE includes coupon applications that provide for an alternative form of payment and/or that influence a final transaction amount for a payment transaction. The method includes storing in a File Control Information (FCI) file of the PCSE a list of the coupon applications, and storing in a FCI file of a Proximity Payment System Environment (PPSE) an indication of the existence of the PCSE. When a payment transaction request is received from a proximity reader, the payment-enabled mobile device transmits the indication of the existence of the PCSE and the list of coupon applications that are to be considered before determining the final transaction amount.

Abstract: Systems and methods for the wireless pairing of a personal health device (PHD) (e.g., blood glucose monitor) with a computing device (e.g., smartphone) are disclosed herein. In an embodiment, the PHD communicates a private key to the computing device via a first communication medium (e.g., light signal, audio signal, pattern). The PHD receives from the computing device via a second wireless communication medium (e.g., Bluetooth® or WiFi) pairing information including the private key. The PHD can then establish a secure communication channel with the computing device by pairing the PHD to the computing device.

Abstract: An example electronic wallet device may include a plurality of card slots configured to hold transaction cards, each card slot, of the plurality of card slots, including a card reader, and the plurality of card slots holding at least two transaction cards; and one or more processors to receive transaction information associated with a transaction at a transaction terminal, select a transaction card, of the at least two transaction cards based on the received transaction information, and/or provide a transaction token, associated with the selected transaction card to be used in connection with the transaction terminal to process the transaction.

Abstract: A method includes running an application on a mobile computing device, the mobile computing device accepting biometric input, and the mobile computing device enabling one or more function of the application only in response to the biometric input indicating that more than one person is present in the same location. Examples of suitable biometric input include a fingerprint, heartbeat, iris scan, facial recognition, and voice recognition. The biometric input may be provided directly to the mobile computing device from the more than one person present, or the biometric input may be provided by a first person to a first mobile computing device and by a second person to a second mobile computing device.

Abstract: A method and a server computer are provided for authenticating a cardholder account. The server computer implements the method, which includes obtaining a first identifier and a cryptogram from a first entity, identifying an issuer associated with the cardholder account, forwarding the first account identifier and the cryptogram to a second entity for validation, receiving a second identifier from the second entity, and sending the second identifier to the first entity. The first identifier can be associated with the cardholder account. The second identifier can be generated by the second entity and associated with a validated form of the first identifier.

Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.

Abstract: Embodiments of the present invention may provide the capability to personalize end devices over-the-air (OTA) without the involvement of device manufacturers, for example, in a federated large scale wireless IoT network, such as LoRaWAN. Preset with factory settings, end devices may securely connect to the network before they are finally personalized for their target service. Security sensitive personalization information may only be exchanged between device and service provider. The process may require relatively little effort by the network operator and end customers, may lower personalization costs, and may provide a security model that is attractive for a wide range of IoT applications.

Abstract: A system and method for providing in-game advertising to assist in recruiting of affiliation members in an online game. The system and method include receiving affiliation advertising bids from affiliations for advertising opportunities. A bid indicating an aggregate amount of consideration is pledged by multiple users in an affiliation on behalf of the affiliation in a competitive auction with other affiliations for an advertising opportunity and determining winning affiliation advertising bids in competitive auctions for advertising opportunities.

Abstract: Concepts and technologies are disclosed herein for enabling access to restricted data using geofences. A system can identify a device associated with restricted data that includes network data that law prohibits the use of for commercial purposes without authorization. The system can determine use parameters associated with the device, each of the use parameters including a device identifier, a geofence, time limits, and an indication of purposes. The system can determine if the device is at a geographic location that satisfies the location that is defined by the geofence, if the time limits associated with the geofence are satisfied, and if a purpose for which the restricted data will be used matches a one of the purposes. If the system determines that the location, time limits, and purposes are satisfied, the system can use the restricted data for the purpose.

Abstract: Techniques described herein include a platform for providing user interaction with a vehicle's functions on a mobile device. In some embodiments, both the vehicle and mobile device are in communication with a service provider computer that facilitates communications between the two. In some embodiments, a user is provided with various details related to the vehicle's condition as well as a list of available functions for initiation by the user. The user is able to select one or more of the listed functions to be performed by the vehicle while located any distance from the vehicle. In some embodiments, the service provider computer determines whether the user is authorized to initiate a particular vehicle function. Upon selection of a vehicle function from the list of vehicle functions, a processor device in the vehicle executes the function.

Abstract: Systems and methods are provided for managing authorization and device configuration to facilitate the usage, sale and transfer of merchant cards in various manners that enable one or more authorized users to store information representative of one or more of such merchant cards in a user-specific mobile electronic wallet.

Abstract: An application on user's mobile device (having a display screen) generates a transaction-specific barcode on the display, where the barcode contains a plurality of funding sources for the transaction and/or merchant loyalty, reward, or membership numbers. The barcode can be scanned to make purchases at a point of sale (POS).

Abstract: A card is provided, such as a credit card or security card, that may transmit information to a magnetic stripe reader via a magnetic emulator. The emulator may transmit the information in order to reduce the amount of circuitry needed to emulate a particular block of information. Additionally, for example, one or more buttons may be included on the card. Buttons may be includes, for example, to provide a control interface to navigate through various options of the card. Additionally, coding schemes may be selected via buttons. Furthermore, a card may be locked until a private number is entered into a card or a number may only be generated (e.g., displayed and/or emulated) once a particular private number is entered into a card.

Abstract: Methods and systems for transmitting data are described. A random data stream is generated. A data stream is generated comprising the random data stream and indicators as to which data of the random data stream is valid data to be communicated to a recipient. The random data stream and/or the data stream may be communicated using quantum entanglement.

Abstract: Methods and systems for facilitating electronic transactions on a mobile communications device are described. Available funding sources for sending funds to a contact from a list of contacts is provided for display on a graphical user interface (GUI) of a mobile communications device. A selection of a funding source from the available funding sources is received from the mobile communications device. In response to receiving a selection of the funding source, a payment indicator is provided for display on the GUI. A touch input associated with the payment indicator is receiving via the GUI. A transaction amount is determined based on a contact point dependent measurement of the touch input. The determined transaction amount along with the payment indicator is provided for display on the GUI.

Abstract: A system and method for facilitating communication between a smart card and a terminal, the method comprising receiving a first ATR message at a first time that is within a first predetermined clock cycles after a reset; waiting for a second ATR message indicative of a successful biometric authentication from the smart card; receiving the second ATR message at a second time that is within a second predetermined clock cycles after the first time; and exchanging transaction-related messages with the smart card.

Abstract: Methods, devices, and servers for as-needed update of a trusted list are provided herein. An electronic subscriber identity module (eSIM) server receives a request for an eSIM of a particular type from a wireless device. The eSIM server evaluates the particular type and requests an eSIM of the particular type from a second eSIM server, which is not initially trusted by a secure element (SE) of the wireless device. The eSIM server sends a policy update to the wireless device. The wireless device passes the policy update to the SE, for example, a universal integrated circuit card (UICC). The UICC updates the trusted list with an identity of the second eSIM server. When the wireless device downloads a bound profile package (BPP) containing an eSIM from the second eSIM server, the UICC validates the BPP based on the updated trusted list. The eSIM is then installed on the UICC.

Abstract: A method and a system convert the value of a gift card for use with a mobile device. The value of the gift card is determined from an issuer of the gift card. The value of the gift card is stored in a digital payment account in a storage device. The digital payment account stores values of gift cards from issuers. A financial transaction corresponding to the issuer of the gift card is performed on the digital payment account. The value of a first gift card from a first issuer of a first digital payment account is exchanged with the value of a second gift card from a second issuer of a second digital payment account.

Abstract: According to various embodiments, systems and methods for performing unit conversion operations in a database system are provided. According to embodiments, a database operation will require unit conversion. A number of unit conversions that might be required both before and after performance of the operation can then be estimated. At least some of the data entries implicated by the operation can then be converted from a first unit to a second unit depending on the result of the estimation.

Abstract: Methods and systems are provided for loading money from a gift card into a digital wallet. The transfer can be done at a point of sale (POS), such as during a purchase of the gift card. The digital wallet can be a digital wallet of a user who is purchasing the gift card. The money in the digital wallet can be used to purchase products from the same merchant or another merchant. The money can be transferred from the digital wallet to any other person or entity.

Abstract: A transaction management system includes a database system configured to receive and store data for a plurality of financial transactions, the data for the plurality of financial transactions being associated with a plurality of financial accounts of a user. The system further includes a server system coupled to the database system and configured to categorize the plurality of financial transactions into a plurality of categories, the categories including merchant categories and payment method categories, the server system being further configured to provide a plurality of user interfaces to the user, each user interface providing a display of a different portion of the plurality of financial transactions, each user interface configured to enable a user to select a link configured to direct the user to an image of a check associated with one of the plurality of financial transactions; and categorize the financial transaction into a one of the merchant categories.

Abstract: A transaction processing system for the real time authorization of payment transactions. The system comprises a verification system (4) connected to an issuer card management system (3). A cardholder can access the system via an interface (2) which can be for example the Internet, a wireless device, telephone, or a branch visit. The interface allows the cardholder to input rules governing how their credit card transactions are to be authorized. When the cardholder initiates a purchase transaction with their credit card, an authorization request is passed from the card network to the verification system which executes the rules created by the cardholder in order to approve or deny the transaction.

Abstract: A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and the on-line system of a financial institution, such as a bank, the system verifies authorization for the communication, the information is communicated for the user to the on-line system. The contactless communication is initiated, and the information is communicated, for example, between a contactless interface transceiver of a personal data assistant, into which the smart card is inserted, and the contactless interface transceiver of an on-line terminal. Alternatively, the contactless communication is initiated, and the information is communicated between a contactless interface transceiver of the smart card and the contactless interface transceiver of the terminal.

Abstract: A method and a corresponding device for authenticating a user for access to protected information, the method comprising generating a behavioral user profile associated with a first user known to be a legitimate user of the protected information, obtaining from a second user, using a behavioral input device associated with a second computing device, a behavioral user sample, storing the behavioral user sample, associated with the second user, in a temporary user profile, comparing the behavioral user sample of the second user to the behavioral user profile, and if the behavioral user sample does not match the behavioral user profile contacting the legitimate first user and receiving from the legitimate first user information regarding the legitimacy of the second user and based on the information received from the first user, providing a response to the second user and updating the user profile.

Abstract: A system may receive a request to derive an output variable from a source variable. The request may include proposed logic to derive the output variable from the source variable. The system may then compare the proposed logic to existing logic to determine the proposed logic is new. In response to the proposed logic being new, the system may generate transformation code configured to execute the proposed logic. The system may further schedule the transformation code for execution at a predetermined time, and then execute the transformation code to generate data for the output variable.

Abstract: In some examples, methods and systems may process one or more payment transactions between a merchant and a customer by establishing a short-range communication channel between a first computing device associated with a first user a second computing device associated with a second user. The method includes receiving, while the first computing device is offline with respect to a payment processing system, a fund transfer request from the second computing device, where the fund transfer request includes a payment proxy of the second user, the payment proxy having the syntax of a monetary currency indicator preceding an alphanumeric character. The method includes sending the fund transfer request from the first computing device to payment processing system after the first computing device establishes network connectivity with the payment processing system using a long range communication network protocol. The payment processing system processes the request unless the request has been previously authorized.

Abstract: Isolating distinct service provider widgets within a wallet container is accomplished by configuring a widget to provide access to an issuer-specific service group of services that are accessible in a service tier of a multi-tier platform for providing secure transactions, determining widget isolation requirements for operating the widget, configuring a widget descriptor with the isolation requirements, and communicating with the configured widget that has been deployed on a mobile device to provide at least one service from the issuer-specific service group.

Abstract: Systems and methods for enhanced dining experiences, and other experiences, using a mobile device are disclosed. In one embodiment, the system (1) monitors providing at least one good or service to the customer during the event; the system (2) performing processing to determine cardless payment feature availability including: (a) determining a probable spend of the customer for the event; (b) determining a probable spend acceptable threshold (PSAT) for the event; (c) comparing the probable spend of the customer versus the PSAT, and based on such comparing, determining that the probable spend is within PSAT and, based on such determination, determining that the cardless payment feature is available to the customer; the system (3) generating an invoice; (4) transmitting the invoice to the customer's messaging address; (5) receiving, over the at least one network, an approval for the invoice; and the system (6) charging the customer's account.

Abstract: The invention relates to a system and method for accessing multiple accounts. According to one embodiment, the system includes an access device comprising a body in the form of a card; a processor housed in the body; a memory housed in the body and connected to the processor, wherein the memory stores information on the multiple accounts; a selection device housed in the body and adapted to allow a user to select one of the multiple accounts; a display housed in the body for displaying information identifying the selected account, wherein the processor is programmed to generate a signal to generate the information identifying the selected account in response to a user selecting one of the multiple accounts using the selection device; and a wireless transmitter and a wireless receiver housed in the body and connected to the processor.

Abstract: Methods for notification of application permissions are provided. In one aspect, a method includes receiving a first application programming interface (API) call by an installed application on a device, determining a sensitivity level of the received first API call, determining whether an author of the installed application is an authorized author by determining whether a Secure Sockets Layer (SSL) certificate used to deliver binary code to the device during the process of installing the application is owned by a trusted entity or has been validated by a trusted entity when the determined sensitivity level of the received first API call is associated with a restricted API classification, and allowing the received first API call access to its associated API when the author of the installed application is determined to be an authorized author.

Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information. The one or more processors may be further configured to execute the software instructions to receive a first transaction token from the client device, receive a second transaction token from a third-party device, match the first transaction token to the second transaction token, and complete the pending deposit transaction based on the match.