Abstract: Methods and systems for secure user authentication using a OTP involve, for example, pre-storing a OTP application on a first computing device for generating a valid OTP value for the user responsive to receiving entry of a valid PIN value of the user, no part of the valid PIN value is stored on the first computing device and pre-storing on a back-end server the valid PIN value and a valid shared secret for the user. Upon receiving entry of a purported PIN value of the user, a purported shared secret is dynamically synthesized on the first computing device by the OTP application based on the purported PIN value of the user and a purported OTP value is generated on the first computing device.

Abstract: The methods and systems disclosed herein attempt to overcome the deficiencies of the conventional methods and systems by providing a prepaid card for reimbursing a healthcare service provider for the cost of providing a patient with a specific healthcare service. A prepaid card can identify a specific healthcare service and can be used by a patient at a healthcare service provider to obtain the healthcare service of administering a controlled substance for which the patient does not have a prescription. The prepaid card can be associated with one or more accounts of third parties who may be financially responsible for reimbursing the healthcare service provider for the cost of providing the controlled substance and/or the specific healthcare service to the patient.

Abstract: Methods and systems for performing a pre-staged financial transaction using a computing device involve, for example, receiving, using a self-service transaction terminal processor, pre-staged transaction data in a session at the self-service financial transaction terminal, which pre-staged transaction data was entered on a mobile computing device at a time preceding a time of the session. Thereafter, using the self-service transaction terminal processor, a transaction is executed, based at least in part on the pre-staged transaction data.

Abstract: A computer-implemented method and system for managing financial institution customer transaction accounts involves issuing a relationship presentment card with a relationship identifier unique to the customer that is linked to a plurality of the customer's financial institution transaction accounts via pre-defined parameters for determining to which of the customer's linked accounts to post particular transactions with the relationship presentment card. Thereafter, when data for a transaction with the card is received by a processing platform of the financial institution via a merchant acquirer and a card association processing network, the card processing platform of the financial institution identifies a particular financial institution account of the customer to which the transaction should be posted according to the pre-defined parameters based on the transaction data and posts the transaction to the identified financial institution account of the customer.

Abstract: A financial institution can provide a best price guarantee to debit or credit card account holders. By providing a consolidated system including automatic price monitoring of purchased products and automatic claim form generation upon identifying a lower price, the consumer is relieved of the burden typically associated with conventional price matching.

Abstract: Methods and systems for person-to-person reward currency redemption involve, for example, receiving a request to redeem of reward currency of a reward currency holder as a direct deposit of cash to a deposit account of a recipient using a processor coupled to memory; converting the reward currency to an amount of cash based on a predefined conversion rate likewise using the processor; and also using the processor, transferring the amount of cash to the deposit account of the recipient.

Abstract: Computer computer-implemented methods and systems for creating and managing website content involve, for example, providing a user at a computer terminal a data capture template for a user-selected content type, providing the user at the computer terminal presentation pages using content management tags, allowing the user at the computer terminal to author content using the data capture template, and allowing the user at the computer terminal to deploy the content to a server. Other aspects of the methods and systems for creating and managing website content include, for example, allowing the user to personalize content, allowing the user to embed dynamic content in the middle of static content, allowing the user to refresh the deployed content in real-time without impacting current existing user sessions on the server where content is being deployed.

Abstract: Methods and system for transferring funds supports funds transfers from a source account to a cash access file which can be accessed virtually twenty-four hours a day by both customers and non-customers. Cash may be transferred across international borders and dispensed in a currency different than that of the sender's source account and is made available to a recipient virtually as soon as the requested transfer is approved and confirmed by the sender. A subset of payees that is uniquely associated with the sender and includes a payee and a destination account for the payee is presented in a payee list database. Thereafter, a payee list is displayed for the sender at a terminal in response to entry of a request by the sender for a transfer of funds, and upon selection by the sender of a payee from the payee list and entry of a requested transfer amount, the requested amount is transferred e.g.

Abstract: A method and system for implementing on-line financial institution services via a single physical and logical platform deploys global online banking applications in an environment in which the applications are built from a single source base and adapted to various business rules and languages associated with different regions, countries and businesses. Separate web apps are created for each individual business according to contextual attributes, and application servers running the context dependent web apps provide the interface between customers and banking functionality. The platform relies in part on reuse of appropriate components to achieve integration, as well as sharing of core services. As a result of the independent nature of business specific components, each business may require different versions of application software and may update or implement new components without affecting existing business components.

Abstract: A payment device has identifiers, read in a magnetic strip or visual indicia by a healthcare provider, for an influenza vaccine and an account issued by an issuer to a party (e.g.; a governmental entity) upon which a transaction can be conducted that is limited to administering the influenza vaccine. The healthcare provider sends an authorization request for the transaction for delivery through its acquirer and a transaction handler to the issuer. The issuer uses the identifiers to authorize the healthcare provider to administer the influenza vaccine and to conduct the transaction, and sends an authorization response to the authorization request back through the transaction handler and the acquirer. After the receiving of the authorization response, the healthcare provider administers the influenza vaccine and conducts the transaction on the account for the sale of the service of the administering of the influenza vaccine.

Abstract: Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provider (SP), such as a bank, certifying his identification (ID) and his relevant financial information, in a form that is understandable by the SP. The SP is capable of performing multiple functions. For example, the SP is capable of acting as a certificate authority when it issues the customer's certificates, an authenticator when it receives private-key encrypted certificates from the customers to be decrypted using the corresponding public-key, and an authorizing authority when it checks the value available in a customer' chosen payment account against the requested purchase or transfer amount.

Abstract: The methods and systems disclosed herein attempt to overcome the deficiencies of the conventional methods and systems by providing a prepaid card for reimbursing a healthcare service provider for the cost of providing a patient with a specific healthcare service. A prepaid card can identify a specific healthcare service and can be used by a patient at a healthcare service provider to obtain the healthcare service of administering a controlled substance for which the patient does not have a prescription. The prepaid card can be associated with one or more accounts of third parties who may be financially responsible for reimbursing the healthcare service provider for the cost of providing the controlled substance and/or the specific healthcare service to the patient.

Abstract: A financial institution can provide a best price guarantee to debit or credit card account holders. By providing a consolidated system including automatic price monitoring of purchased products and automatic claim form generation upon identifying a lower price, the consumer is relieved of the burden typically associated with conventional price matching.

Abstract: Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provider (SP), such as a bank, certifying his identification (ID) and his relevant financial information, in a form that is understandable by the SP. The SP is capable of performing multiple functions. For example, the SP is capable of acting as a certificate authority when it issues the customer's certificates, an authenticator when it receives private-key encrypted certificates from the customers to be decrypted using the corresponding public-key, and an authorizing authority when it checks the value available in a customer' chosen payment account against the requested purchase or transfer amount.

Abstract: Methods and systems for generating and reusing dynamic web content involve, for example, automatically generating client-side code on a server at run time, and automatically downloading the client-side code to the client side at run time. The client-side code is executed on the client side to become a widget with dynamic behavior attributes displayed as a component of a web page on a display screen of a client-side computing device. Dynamic behavior of the client-side code may triggered via an event handler mechanism wherein properties of the client-side code are dynamically changed without affecting any other content on the web page. The widget may be redisplayed on a subsequent occasion with a change in the widget without regenerating the client-side code.

Abstract: Computer computer-implemented methods and systems for creating and managing website content involve, for example, providing a user at a computer terminal a data capture template for a user-selected content type, providing the user at the computer terminal presentation pages using content management tags, allowing the user at the computer terminal to author content using the data capture template, and allowing the user at the computer terminal to deploy the content to a server. Other aspects of the methods and systems for creating and managing website content include, for example, allowing the user to personalize content, allowing the user to embed dynamic content in the middle of static content, allowing the user to refresh the deployed content in real-time without impacting current existing user sessions on the server where content is being deployed.

Abstract: The present invention relates to a method and system for evaluating the cause and effect of advertising and marketing programs using card transaction data. In one embodiment, access is provided to voluminous card-holder transaction data detailing accurate-to-the-penny transaction amounts, twenty-four hour active customers, and a multi-year transaction history per customer. Furthermore, such data is captured in real-time, and due to the sample size, can provide granular, statistically significant information at a local level for client and merchant coverage.

Abstract: A system, method and apparatus for exchanging value using a smart card in a financial transaction is disclosed. The system includes a smart card having a contact interface and a contactless interface interactive with a closed purse application and an open purse application controlled by a microprocessor. The closed purse application contains application-specific value, while the open purse contains general value. The application-specific value and general value are each compatible within the system of the invention to perform and settle the financial transaction. The financial transaction may include the smart card communicating with a load terminal or a transaction terminal to add or change the amount of value on the smart card. Further, the present invention include auto-load functionality for adding an amount of value to the smart card. Finally, applications such as a transportation application and a loyalty application are described.

Abstract: Methods and systems for generating and reusing dynamic web content involve, for example, automatically generating client-side code on a server at run time, and automatically downloading the client-side code to the client side at run time. The client-side code is executed on the client side to become a widget with dynamic behavior attributes displayed as a component of a web page on a display screen of a client-side computing device. Dynamic behavior of the client-side code may triggered via an event handler mechanism wherein properties of the client-side code are dynamically changed without affecting any other content on the web page. The widget may be redisplayed on a subsequent occasion with a change in the widget without regenerating the client-side code.

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.