Abstract: A method for conducting a transaction between a merchant and a customer, a merchant device, and a computer storage medium for instructing a computing device to execute a method for conducting a transaction between a merchant and a customer are disclosed. The method includes establishing a secure wireless connection between a merchant device and a customer device, real-time synchronizing, via the secure connection, a shopping cart of the customer between the merchant and the customer devices, determining, via the secure connection, at least one payment option for checking out the shopping cart, and processing, at a transaction processing device, the payment based on a selected payment option out of the at least one payment option.

Abstract: A method is provided. The method includes receiving a request message, the request message relating to a transaction between a first client and a second client, the request message including first client data and second client data, the first client data identifying an account to be used by the first client in the transaction, the second client data indicating if the second client is subscribed to a service. The method further includes determining if the second client is subscribed to the service, and generating an authentication request message if the second client is not subscribed to the service, the authentication request message requesting confirmation that a holder of the account is the first client. The method further includes sending the authentication request message, and receiving an authentication response message from the external server in response, the authentication response message including an indication whether the holder is the first client.

Abstract: A computer-implemented method of identifying a payment card design includes partitioning an image of a detected payment card into a plurality of blocks, the image comprising predetermined portions irreversibly masked; and generating an individual numerical representation of each respective one of the plurality of blocks, thereby generating a collective numerical representation of the design of the detected payment card. The method also includes selecting, from a database storing a plurality of payment card designs, one or more payment card designs based on the collective numerical representation of the design of the detected payment card. The method further includes generating a similarity score between the design of the detected payment card and each of the one or more selected payment card designs; and associating the design of the detected payment card with one of the one or more selected payment card designs based on the similarity score.

Abstract: There is provided a data processor implemented method for dynamic authentication of an object. There is also provided non-transitory computer readable storage mediums and systems for carrying out dynamic authentication of an object.

Abstract: System and method for facilitating user identification of a product. The system includes: a receiver unit configured to receive a signal; a memory module in communication with the receiver unit, the memory module having stored thereon product data that is stored in association with a transmittable product identity, wherein the receiver unit is further configured to (i) convert the received signal into its corresponding transmittable product identity and (ii) retrieve the product data from the memory module based on a comparison between the stored transmittable product identity and the converted transmittable product identity; and an output unit configured to output the retrieved product data to a user for facilitating user identification of the product.

Abstract: A method for social saving via blockchain includes: storing blockchain data for a blockchain, each block including at least a block header and blockchain data values associated with each of a plurality of social saving communities including, for each community, account identifiers associated with a plurality of transaction accounts issued by a plurality of issuing institutions; receiving a transaction notification for each account for each community, the notification including the account identifier, a transaction amount, and a confirmation of payment from the issuing institution; updating the blockchain to include, for each transaction, a new blockchain data value that includes the account identifier, transaction amount, and a community identifier; identifying a single account for each community; and initiating payment of a reward amount to the account for each community, wherein the reward amount is based on a sum of amounts received for the respective community.

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: An Internet of Things (IoT) system, the system including: (a) an IoT platform in communication with a device via a communications network; and, (b) a payment service provider, wherein, in use: (i) the IoT platform: (1) receives a transaction message from the device, the transaction message being indicative of: (a) a device identifier; and, (b) transaction details indicative of a transaction to be performed; (2) uses the device identifier to retrieve transaction data indicative of: (a) a user identifier; and, (b) transaction rules; (3) generates a payment request using the transaction details and transaction rules, the payment request being indicative of: (a) the user identifier; (b) a merchant identifier; and, (c) transaction information at least partially based on the transaction details; and, (4) provides the payment request to the payment service provider; and, (ii) the payment service provider: (1) receives the payment request; (2) determines a user account at least in part using the user identifier, the

Abstract: A device and methods for facilitating a sale of an item from a seller to a customer are disclosed. The device comprises a lockable compartment configured to contain the item, wherein the compartment unlocks upon receiving a sale initiation instruction. The device further comprises a sensor configured to detect a presence of the item in the compartment. The device also comprises a gateway module configured to transmit a sale completion instruction for completing the sale of the item if upon an occurrence of a predetermined event, the sensor detects that the item is absent from the compartment.

Abstract: Disclosed is a writing implement for effecting an electronic transaction via a payment terminal. The writing implement includes a communications device comprising a payment vehicle identifier. The payment vehicle identifier is associated with a payment vehicle from which funds can be drawn for effecting the electronic transaction. The communications device is configured to send the payment vehicle identifier to the payment terminal. The writing implement also includes a writing member for producing an authenticating mark to authenticate use of the payment vehicle.

Abstract: A method for enhancing functionality of a payment webpage, the method including, in a browser application configured to display the payment webpage on a client device: obtaining payment webpage code corresponding to the payments payment webpage to be displayed; obtaining executable code; using the executable code to: identify payment elements corresponding to at least one existing payment option forming part of the payment webpage; determine at least one additional available payment option; generate additional payment elements corresponding to the at least one additional available payment option; using the payment webpage code and the additional payment elements to display the payment webpage, the payment webpage including the at least one additional available payment option to thereby enhance the functionality of the payment webpage; and, during user interaction with the payment webpage: determining user interaction with at least one of the additional payment elements in accordance with user input commands;

Abstract: A method for remote authentication aided by an audio signal includes: storing, in a memory of a computing device, at least first authentication data; receiving, by a first input device of the computing device, an audio signal electronically transmitted by a separate computing system; decoding, by a decoding module of the computing device, the received audio signal to identify a server identification value; receiving, by a second input device of the computing device, second authentication data submitted by a user of the computing device; authenticating, by an authentication module of the computing device, the received second authentication data based on the stored first authentication data; and electronically transmitting, by a transmitting device of the computing device, a result of the authentication and a profile identifier to an external processing server based on the server identification value.

Abstract: A payment interface apparatus configured to facilitate a transaction comprising a request to update redemption points recorded in a customer redemption account, the payment interface apparatus comprising: an input port to receive the request to update redemption points recorded in a customer redemption account and data fields in support of the request; a processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the payment interface apparatus at least to: authenticate the request using a selection of at least the received data fields that are attributable to transaction specific parameters, the transaction specific parameters being data elements unique to the transaction; and effect the update in the redemption points recorded in the customer redemption account in response to successful authentication of the request.

Abstract: Disclosed is an apparatus for processing a purchase transaction. The apparatus comprises at least one processor and at least one memory including computer program code. The at least one memory and the computer program code are configured to, with the at least one processor, cause the apparatus at least to receive, from a client terminal, data representing a basket for purchase, and a creation request to create a payment vehicle for initiating the purchase transaction based on the data representing the basket. The at least one memory and at least one processor also cause the apparatus to receive (i) unique consumer identification information of a consumer purchasing the basket, (ii) a transaction value of the basket, and (iii) the creation request, and determine whether the consumer is authorized to be issued a payment vehicle based at least on the unique consumer identification information.

Abstract: System for performing a transaction between payer and payee, including a payee client device, a payer client device, and one or more payment processing devices, wherein a payer payment application executed by the payer client device: determines virtual payment card data indicative of a virtual payment card indicative of a payer account; determines encoded virtual payment card data by encoding the virtual payment card data at least in part using an audio encoding scheme; transmits an indication of the encoded virtual payment card data to the payee client device via an audio communications channel; a payee payment application executed by the payee client device: causes decoding of the encoded virtual payment card data to determine decoded virtual payment card data; causes the one or more payment processing devices to selectively perform the transaction using the payer account at least partially in accordance with the decoded virtual payment card data.

Abstract: Disclosed herein is an autonomous system for autonomous purchase of a purchase order. The autonomous system comprises at least one processor and a memory comprising at least one non-transitory memory device. The memory stores a digital wallet comprising at least one payment vehicle for use in purchasing the purchase order. The memory also comprises instructions that, when executed by the processor, cause the autonomous system to determine if the purchase order satisfies a set of purchase characteristics, decide to execute purchase of the purchase order upon fulfillment of a set of conditions for purchase and connect to a merchant terminal of at least one merchant through whom the purchase order can be fulfilled. The instructions further cause the processor to connect the digital wallet to a payment system through which payment for the purchase order can be made and purchasing the purchase order via the payment system using one or more payment vehicles of the at least one payment vehicle.

Abstract: A system and a method for determining a profile of a consumer are disclosed. The system includes a processor and a memory unit coupled to the processor. The memory unit is configured to store the consumer's payment card usage data. The processor is configured to obtain a credit score specific to the consumer and calculate a payment card index specific to the consumer based on the consumer's payment card usage data stored in the memory unit. The payment card index may comprise a weighted sum of factors representative of the consumer's payment card usage. The processor is also configured to multiply the credit score by the payment card index to obtain a collective score representative of the profile of the consumer.

Abstract: Disclosed herein is a computer system for making an electronic payment transaction. The system comprises a checkout server and a virtual wallet server. The checkout server and virtual wallet server each comprise at least one processor and at least one memory including computer program code. The computer program code of the checkout server and the virtual wallet server collectively configure the computer system to, with the respective at least one processor, receive, at the checkout server, a checkout request and enable payment for the electronic payment transaction using a virtual wallet registered on the virtual wallet server, the virtual wallet comprising a payment vehicle having a payment vehicle identifier comprising a number of characters for uniquely identifying the payment vehicle.

Abstract: According to a first aspect, there is provided an advertising campaign analyser comprising: at least one processor; and at least one memory including computer program code; an input port coupled to the processor; the at least one memory and the computer program code configured to, with the at least one processor, cause the analyser at least to: receive, through the input port, advertising campaign data extracted from a response to advertising material belonging to an online advertising campaign, the advertising campaign data comprising at least one recipient account to which the advertising material is delivered; receive, through the input port, payment data generated from purchases made at a merchant participating in the online advertising campaign; analyse the received advertising campaign data and the received payment data to identify data fields from the received payment data that establishes a correlation to the at least one recipient account from the received advertising campaign data; generate statisti

Abstract: There is provided a system and method for carrying out a transaction using augmented reality. The system and method allows users to obtain information for special offers for goods/services at a merchant establishment and subsequently pay for desired goods/services with the desired special offer.