Abstract: A system and method for conducting a payment transaction. The system comprises: a sensor for detecting a mobile device and for transmitting an identifier obtained from the mobile device; a merchant server configured to receive the identifier from the sensor and to determine, based on the identifier, an availability of a transaction code generated for a pre-authorisation of the payment transaction, wherein upon a positive determination of the transaction code, the merchant server transmits identification data associated with the identifier for verification of a customer of the payment transaction; and a payment terminal in communication with the merchant server for receiving the identification data from the merchant server and for transmitting a transaction amount of the payment transaction and the verification of the customer to the merchant server, wherein the merchant server transmits the received transaction amount and the transaction code to a payment network for completing the payment transaction.

Abstract: According to a first aspect of the present invention, there is provided a method for transmitting an electronic receipt from an intermediary terminal connected to a payment interface and a payment network, the method comprising: receiving, from the payment interface, transaction purchase data of purchases made via the payment interface and details of a payment instrument on which the purchases are made; transmitting, to the payment network, details of the payment instrument; receiving, from the payment network, personal detail data of an account holder of the payment instrument; generating an electronic receipt from the received transaction purchase data and the received personal detail data; and transmitting the electronic receipt to at least one electronic address, the at least one electronic address being determined from the received personal detail data.

Abstract: There is provided a system and method for making payment within a digital messaging environment. The payment can be made without exiting from the digital messaging environment, and can be activated by typing pre-defined text in the digital messaging environment.

Abstract: The present disclosure relates to methods for facilitating a transaction. The methods involve interaction with a humanoid robot and include using the humanoid robot to receive a session initiation instruction from a user. During the session one or more articles are identified for purchase, each article being a product or service. A checkout sequence is then initiated to purchase the one or more articles. At some stage during performance of the above steps, beforehand or afterwards, the user is authenticated via interaction with the humanoid robot.

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: A method for managing payment transactions between a merchant and a payment-service-provider (PSP) using a payment management device in communication with a memory device. Each payment transaction is initiated by a consumer using a payment card. It involves (a) sending, to a PSP device associated with the PSP, a request for an authorization for a payment transaction; (b) receiving, from the PSP device, authorization for the payment transaction; (c) saving, in the memory device, data relating to the consumer and the payment transaction on a condition that the authorization for the payment transaction is received from the PSP device; (d) repeating steps (a), (b) and (c) for each of the plurality of payment transactions for a pre-determined period of time; and (e) aggregating the plurality of payment transactions into an aggregated payment transaction based on the data relating to the consumer and each of the plurality of payment transactions.

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: Methods and associated devices are provided for NFC enabled mobile payment incorporating automatic redemption of value added services. A method comprising pre-tap processing at the NFC enabled mobile device to load one or more selected value added services into the NFC enabled mobile device; and placing the NFC enabled mobile device in proximity to the NFC enabled payment machine so as to initiate and complete the one-tap settlement where data is exchanged so as to process the purchase of goods or services utilizing the redeemed one or more of the selected value added services loaded during the pre-tap processing to bring about the at least one effect provided by the redemption of one or more selected value added services.

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: Disclosed is a method for modifying transaction credentials. The method involves initiating a transaction at a receiving terminal, the transaction being defined by one or more transaction credentials and then transmitting mobile terminal data from a mobile terminal, via the receiving terminal, to a server, the mobile terminal data comprising a set of account data relating to the mobile terminal. Subsequently, the method involves extracting the set of account data at least partially from the mobile terminal data at the server and transmitting the set of account data from the server to an account manager, the set of account data being associated with a unique consumer account managed by the account manager. One or more transaction modifiers associated with the consumer account are then received at the receiving terminal which modifies at least one of the one or more transaction credentials based on the one or more transaction modifiers.

Abstract: A computerized method of issuing credit to an applicant has steps of: (a) receiving credit application request from the applicant, said credit application request being transmitted electronically via a mobile data input device of the applicant; (b) sending an electronic query to the applicant requesting a response including application data required from the applicant; (c) electronically receiving the application data via the data input device, said application data containing information indicative of an identity of the applicant; (d) electronically obtaining a verified identity of the applicant using the application data; (e) electronically determining a credit limit using the verified identity of the applicant; and (f) electronically transmitting a payment token to the data input device of the applicant, wherein said payment token is a system of payment capable of making a payment up to the determined credit limit. A computer system for carrying out the above method is also provided.

Abstract: A computer-implemented method of detecting associated payment devices comprises: receiving, by a processor from a payment network, transaction data representing a plurality of transaction records, a transaction amount, a transaction time, a terminal identifier, and a result code indicating success or failure of a transaction; identifying from said transaction records a declined transaction associated with a first payment device identifier, and determining a terminal identifier and transaction amount associated with the declined transaction; identifying from said transaction records a subsequent transaction occurring within a predetermined window of the declined transaction, the subsequent transaction being associated with the same terminal identifier and the same transaction amount as the declined transaction, the subsequent transaction being associated with a second payment device identifier that is different from the first payment device identifier; and storing, in a database, an association between the sec

Abstract: According to a first aspect, there is provided a method for enabling a communication link over which transaction data is transmitted between a mobile terminal and a receiving terminal, the method comprising: storing in a memory at the mobile terminal, the receiving terminal and a server administering the communication link, a generated unique identifier, the unique identifier used to facilitate the enablement of the communication link; creating a storage slot at the server administering the communication link, the storage slot being assigned the unique identifier and the storage slot used to store the transaction data; and enabling the communication link in response to the creation of the storage slot, wherein the communication link is utilised by both the mobile terminal and the receiving terminal by referencing the unique identifier to the server.

Abstract: According to a first aspect, there is provided a method for standardising communication between a plurality of redemption applications each configured to facilitate redemption of value added services, wherein the plurality of redemption applications are installed in a mobile terminal, and a processing application configured to process the value added services transmitted by the mobile terminal, the processing application being hosted on a receiving terminal, the method comprising: activating a bridging application, installed in the mobile terminal, to establish communication between the plurality of redemption applications installed in the mobile terminal and the processing application hosted on the receiving terminal, the communication facilitating the redemption of the value added services, wherein the bridging application standardises the communication by instituting a set of commands used by the plurality of redemption applications and the processing application to transmit and receive data that facilitat

Abstract: According to one aspect of the invention, there is provided a method of remotely electronically crediting an account linked to a payment device, the method comprising: placing the payment device, which is linked to the account, in communication with a computing terminal; determining in the computing terminal, the account to be credited from data stored on the payment device; indicating, to the computing terminal, an amount to credit the account, wherein the amount is in a different currency from a currency assigned to the account; receiving the amount in the different currency; converting, in a server, the amount in the different currency into the currency assigned to the account; and crediting the account with the amount in the currency assigned to the account. A server and a computing terminal that facilitates this remote electronic crediting of this account are also disclosed.

Abstract: The method comprises: obtaining observation data from a first client, wherein the observation data is associated with a second client; obtaining a plurality of marketing messages; ranking the plurality of marketing messages based on the observation data associated with the second client; and sequentially providing, upon identification of the second client, the ranked marketing messages to the second client in rank order. The system has similar features.

Abstract: According to one aspect of the disclosure, there is provided a method for conducting a transaction between a service provider and a merchant, the method comprising: issuing an account number against which a transaction with the merchant is made, wherein the account number belongs to a subscriber registered with the service provider; assigning a unique reference used to map the subscriber to the account number; and transmitting, upon receiving use of the account number for the transaction, the unique reference and details of the transaction to the service provider, wherein the unique reference is processed against a database of unique references to identify the subscriber to which the account number belongs, for the service provider to associate the transaction to the identified subscriber, based on the details of the transaction. A service provider server, a server network and a system that implements this method is also disclosed.

Abstract: The system comprises: a biometric scanner configured to obtain biometric information from a user; a controller configured to receive the obtained biometric information from the biometric scanner and to generate a transaction code based on the obtained biometric information, the controller being further configured to receive account data relating to an account of the user; a server configured to receive the account data and the transaction code from the controller; a database in communication with the server and having stored thereon the account data in association with a registered code, the registered code having been generated based on pre-obtained biometric information of the user; and wherein the server is operable to use the account data to identify the registered code and to authorize the transaction based on a comparison of the registered code with the transaction code.

Abstract: The system includes a wireless payment device coupleable to a vehicle, the wireless payment device having account data stored thereon; a fuel dispensing nozzle coupleable to a fuel supply and configurable to dispense fuel through the nozzle from the fuel supply, the fuel dispensing nozzle comprising a wireless transceiver capable of wireless communication with the wireless payment device, a controller in communication with the fuel dispensing nozzle, the controller being operable to receive the account data from the wireless payment device via the wireless transceiver; and a payment server in communication with the controller, the payment server being operable to receive the account data from the controller and to send authorization data to the controller based on the account data; wherein the controller is operable to control the fuel dispensing nozzle to dispense fuel on receipt of the authorization data.

Abstract: A method includes generating a token at a server device and transmitting the token from the server device to a payer device, the token corresponding to a payment account; receiving the token at the payer device and transmitting the token from the payer device to a payee device via a short-range wireless communication protocol; receiving the token at the payee device and transmitting the token with transaction data from the payee device to the server device, the transaction data corresponding to the payment transaction; and receiving the token with the transaction data at the server device and conducting the payment transaction at the server device using the transaction data and the payment account corresponding to the token.