Abstract: A transaction is pre-staged by providing transaction preferences, such as a financial instrument, a transaction type, and a transaction amount, to a user device. The user device captures a visual code at a terminal, such as an ATM. The visual code includes terminal attributes, including a signed hash and call-back URI. The user device authenticates the visual code using the signed hash and requests the transaction through the issuer server. The issuer server creates and sends the card data to the call-back URI. The terminal uses the card data to create a transaction request it routes to through its acquirer server.

Abstract: A payment processing method uses a credit push for disbursing funds at ATM. The process can include scanning an optical code at an ATM using a mobile device to determine creditor bank information. A debtor bank server receives a funds disbursement request and provides a credit push request to a payment rail. The payment rail communicates a credit payment transaction request to a creditor bank sever. The creditor bank server identifies the ATM using an ATM identifier provided to the mobile device via the optical code. The ATM is instructed to disburse funds by the creditor bank server. The method includes using the mobile device, or other issuer domain, authentication procedures. The funds can be disbursed by the ATM without the ATM performing any authentication procedures.

Abstract: Embodiments of the present invention provide systems and techniques for changing cryptographic keys in high-frequency transaction environments to mitigate service disruptions or loss of transactions associated with key maintenance. In various embodiments, a server device can employ a working key encrypted with a first master key to decrypt messages being communicated from a client device, whereby each message is encrypted with a first cryptogram that was generated based on the working key encrypted with the first master key. While the working key encrypted with the first master key is being employed, the server device can generate a notification including a second cryptogram generated based on the working key encrypted with a second master key for transmission to the client device. The transmitted notification can cause the client device to encrypt the messages being communicated with the second cryptogram.

Abstract: A transaction is pre-staged by providing transaction preferences, such as a financial instrument, a transaction type, and a transaction amount, to a user device. The user device captures a visual code at a terminal, such as an ATM. The visual code includes terminal attributes, including a signed hash and call-back URI. The user device authenticates the visual code using the signed hash and requests the transaction through the issuer server. The issuer server creates and sends the card data to the call-back URI. The terminal uses the card data to create a transaction request it routes to through its acquirer server.

Abstract: Embodiments of the present invention provide systems and techniques for changing cryptographic keys in high-frequency transaction environments to mitigate service disruptions or loss of transactions associated with key maintenance. In various embodiments, a server device can employ a working key encrypted with a first master key to decrypt messages being communicated from a client device, whereby each message is encrypted with a first cryptogram that was generated based on the working key encrypted with the first master key. While the working key encrypted with the first master key is being employed, the server device can generate a notification including a second cryptogram generated based on the working key encrypted with a second master key for transmission to the client device. The transmitted notification can cause the client device to encrypt the messages being communicated with the second cryptogram.

Abstract: A system and method for processing payment transactions via payment devices are provided. Issuer application selection criteria associated with a payment device, merchant application selection criteria associated with an acceptance device, and/or payment network card program file(s) may be evaluated to determine the payment application to be used for processing a payment transaction.

Abstract: A system and method for processing funds transfers that may utilize a dual-message transaction with separate authorization and settlement messages for (consumer authentication value) CAV-based transactions. Initial authorization messages may be communicated to authorize and guarantee funds to a payee for goods and/or services before they are rendered. Thereafter, the payee may initiate one or more settlement advice request messages associated with the authorization/pre-authorization, as goods and/or services are rendered without authorization of CAV.