Abstract: According to some embodiments, a multi-currency transaction routing apparatus may include a first input to receive, from an acquirer bank, an electronic message containing information about a business as usual transaction including a generic primary account number. The multi-currency transaction routing apparatus may also include a storage device storing: (i) an association between the generic primary account number and a first primary account number of a first funding bank account in a first currency, and (ii) an association between the generic primary account number and a second primary account number of a second funding bank account in a second currency. A routing module computer may detect the generic primary account number within the electronic message and automatically transmit data about the transaction to a remote device associated with one of the first and second funding bank accounts in accordance with the associations stored in the storage device.

Abstract: Exemplary systems and methods for linking access credentials with payment accounts and facilitating access to events based on associations between the payment accounts and the events are disclosed. One exemplary method includes receiving, at a computing device, an authorization request for purchasing access to an event where the authorization request includes event content, ticket content, and payment content, and where the authorization request is associated with a merchant. The method also includes determining, at the computing device, whether the merchant and/or the event are registered, and when the merchant and the event are registered, storing, in memory of the computing device, a link between a payment account identified in the payment content and the event, whereby the link is able to be retrieved, by the merchant, via a subsequent authorization request, to indicate access to the event.

Abstract: The invention provides systems, methods and computer program products for providing optimized customer support over data networks. In an embodiment the invention comprises implementing within a processor based computing system, the steps of (i) receiving voice data from a customer through a client terminal, (ii) converting the received voice data to text data, (iii) extracting one or more search parameters from the converted text data, wherein said extracted search parameters are based on at least one of a context or a subject identified from the converted text data, (iv) retrieving from a customer record database, at least one customer record that matches the extracted one or more search parameters, and (v) transmitting the retrieved at least one customer record to a customer service representative terminal for display to a customer service representative.

Abstract: The invention comprises systems, methods and computer program products for implementing a payment wallet based electronic payment transaction.

Abstract: During recent years, chip-based transactions has been changing from mainly physical, like a chipcard, to mainly virtual, such as a software application on a mobile device. Although such mobile devices are very powerful compared to a conventional chip card, the data interactions with POI terminals must still be compliant with relevant specifications and standards such as the EMV standards. A computer implemented transaction method is provided that enables a first application to be switched with a second application whilst the transaction is in progress, and without loss of information relating to the transaction.

Abstract: A method and a system for offering value-added services on a transaction initiated at a terminal device is provided. The method includes generating a reference identifier for the transaction by a server. The server stores the reference identifier and service details of the value-added services that are applicable on the transaction in a database, and communicates the reference identifier to the terminal device. The server receives a service request for offering a first value-added service on the transaction from the terminal device. The service request includes the reference identifier. Based on the reference identifier included in the service request, the server retrieves the service details of the first value-added service from the database and communicates a service response including the retrieved service details to the terminal device. Based on the service response, the first value-added service is offered on the transaction.

Abstract: A method for managing funds is provided. The method includes receiving a payment vehicle identifier by which a payment vehicle can be identified, the payment vehicle includes an available account balance, transaction details of a purchase transaction, and the transaction details, sending a first amount that is less than or equal to the transaction value if the transaction value does not exceed the available account balance, and sending a second amount that is less than or equal to the first amount. The transaction details include a transaction value, a merchant identifier of a merchant with whom the purchase transaction is being made, and a merchant wallet identifier by which a merchant virtual wallet can be identified, the merchant virtual wallet being associated with the merchant identifier.

Abstract: Embodiments of the disclosure enable one or more protection mechanisms to be managed using a digital wallet platform. Product data associated with a product is identified. The product data is analyzed to identify one or more potential protection mechanisms associated with the product. At least one protection mechanism is identified from the potential protection mechanisms, and the product is registered with a protection system such that the at least one protection mechanism provides protection for the product. A protection capsule corresponding to the at least one protection mechanism is generated. The protection capsule is accessible using a digital wallet. Aspects of the disclosure provide for utilizing the digital wallet for a plurality of functions including payment card management, financial account management, and protection mechanism management.

Abstract: A method for verifying a transacting entity includes: receiving a verification request including an entity identifier; transmitting a transaction amount; receiving a transaction message for a payment transaction including a controlled payment number, the transaction amount, and the entity identifier; transmitting at least two refund messages including the controlled payment number and a refund amount, where a total of the refund amount included in each refund message equals the transaction amount; receiving a verification message including the entity identifier and two or more return amounts; and verifying that the two or more return amounts correspond to the refund amounts included in the two or more refund messages.

Abstract: A method for authorization of a blockchain transaction includes: storing account profiles, each profile including an account identifier, fiat amount, and blockchain amount; receiving a transaction message, the transaction message being formatted based on transaction message standards and including a first data element that includes a specific account identifier and a second data element reserved for private use that includes a network identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; identifying a risk value based on the transaction amount and at least one of: the fiat amount and blockchain amount; determining authorization of a transaction based on the identified risk value; modifying the transaction message based on the authorization determination; and transmitting the modified transaction message.

Abstract: A method for product identification based on physiological response includes: displaying a plurality of display screens over a period of time, wherein at least one display screen includes one or more displayed products; storing a display time for each displayed product corresponding to a time of the period of time at which the displayed product and the respective display screen is displayed on the display device; receiving a plurality of physiological measurements over the period of time for a first physiological function of a user of the computing device; detecting a change in the first physiological function based on the plurality of physiological measurements and a change time for the detected change; identifying a specific displayed product based on a correspondence between the respective display time and the detected change time; and transmitting product data associated with the specific displayed product.

Abstract: A method of providing a user with information related to one or more activities is provided. The method comprises identifying one or more activities; calculating a locality for the user for each activity; identifying a subset of the activities based on the respective locality for each activity; and providing information related to at least one of the subset of the activities to the user.

Abstract: A smart payment device is issued to a user; the device is capable of both offline and online transactions and has a total available balance split. The split is between an available offline balance and an available online balance. It is determined whether the user has entered a primarily offline environment or will imminently enter a primarily offline environment. If this is so, the total available balance split is redistributed to favor offline transactions.

Abstract: A method for vehicle speeding self-detection and payment of an associated fine, the method including: a) in an on-board processing device, determining a speed indication indicative of the speed of the vehicle operated by a user; b) determining a speed limit indication indicative of a speed limit associated with a location of the vehicle with respect to a road network; c) determining if the speed of the vehicle exceeds the speed limit using the speed indication and the speed limit indication; d) in response to determining that the speed limit has been exceeded, determining a payment amount indicative of a discounted fine for exceeding the speed limit; and, e) causing the payment amount to be paid from an account of the user.

Abstract: Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts, based on source account identifiers included in computer-readable indicia. One exemplary method includes capturing, by a computing device, at least one symbol representative of a destination account identifier associated with the destination account and identifying, by the computing device, a source account. The method further includes receiving, by the computing device, at least one payment parameter and causing, by the computing device, a fund transfer transaction based on the destination account identifier, the source account identifier, and the at least one payment parameter, whereby a payment from the source account to the destination account is initiated.

Abstract: Systems and methods herein relate to augmented reality (AR) experiences for users. One exemplary method includes determining whether a computing device, associated with a user, is within a wagering area for an event and, when the computing device is within the wagering area, accessing an event record from a wagering hub for the event. The event record includes an offer for a wager from an originating user within the wagering area. The method also includes providing an AR experience to the user including a symbol for the offer for the wager included in the event record, where the symbol includes at least one detail of the wager, and transmitting an acceptance of the offer for the wager to the wagering hub based on an input, by the user, directed to the offer in the AR experience.

Abstract: A first data processing apparatus comprising: communication circuitry configured to transmit data to or receive data from a second data processing apparatus using electromagnetic induction when the first data processing apparatus is brought into proximity to the second data processing apparatus; a storage medium; and processing circuitry configured: to control the communication circuitry to transmit first data indicative of a user of the first data processing apparatus to the second data processing apparatus; to control the communication circuitry to transmit second data to or receive second data from the second data processing apparatus, the transmission or reception of the second data occurring in response to the completion of a predetermined data processing event; to control the communication circuitry to receive third data from the second data processing apparatus, the third data being received in response to the completion of the predetermined data processing event and being digitally signed by the secon

Abstract: A method for providing additional security for a blockchain wallet through the use of a dynamic pseudo key confirmed through digit positioning includes: storing digit pairs, each including a predefined value and a character position; receiving a dynamic pseudo key and transaction information, where the key includes characters in set positions and the transaction information includes a destination address and data value; validating that the dynamic pseudo key has not been used for a prior blockchain transaction; validating that the characters in set positions in the dynamic pseudo key includes the predefined value in the corresponding character position for each of the digit pairs; generating a digital signature using a private key after successful validation of the dynamic pseudo key; and transmitting the digital signature and transaction information to a node in a blockchain network associated with a blockchain.

Abstract: A method for authorization of multiple transactions using a single authentication process is described. The method includes determining that a user is an authorized user based on user credentials associated with the user; authorizing a transaction device identified by the authorized user for future electronic transactions with one or more restrictions; and providing previously stored payment card information associated with a user account of the authorized user for electronic transactions initiated at the authorized transaction device in accordance with the one or more restrictions.

Abstract: A method for generating a high assurance payment token, includes: receiving an EMV cryptogram and verification data; validating the EMV cryptogram; and generating a high assurance payment token.