Abstract: A system for facilitating virtual-to-physical secure remote payment to a physical location is described.

Abstract: A system for facilitating payment and non-payment transactions between a computing device that lacks an activated payment application and a merchant is described. In an embodiment, a transaction bridge server receives, from a merchant server, transaction information for a particular transaction between a user and a merchant. The transaction bridge server generates a URL representing the particular transaction, sends the URL to the merchant server, and receives, from a web browser of a computing device, an indication of an interaction between the computing device and a touchpoint comprising the URL, the indication comprising a request to access the URL. The transaction bridge server generates a display page customized for the user, the display page comprising the transaction information, sends the display page to the web browser of the computing device, receives an acceptance of the particular transaction, and initiates the particular transaction.

Abstract: According to one aspect, the subject matter described herein includes a method for using a mobile device to effect a secure electronic transaction. In one embodiment, the method includes, at a mobile backend server comprising one or more processors: receiving, from a mobile device of a user that is engaged in or desires to engage in an electronic transaction with an entity other than the user, first information that identifies the user and second information that directly or indirectly identifies the electronic transaction, wherein the second information does not contain payment information for the user; using the first information to identify the user; determining user payment information for the identified user; using the second information to identify a target for the payment information; and sending the user payment information to the identified target for use to initiate the electronic transaction.

Abstract: Methods and systems for providing a universal, global, virtual wallet to merchant payment system adapter are provided. The present disclosure provides the physical and logical infrastructure to provide a universal interface between any type of payment or money transfer system and any payment acceptance system, and specifically bridges the gap between “wallets”, i.e., systems that transfer funds between users but can't be used with traditional card payment acceptance systems, and traditional card payment acceptance systems such as debit, credit, and prepaid cards, which may be a physical card that can be swiped, chip inserted, or NFC tapped. According to one aspect, a third-party server coordinates a transfer of funds from a user's wallet account directly to a merchant's debit card, which the merchant swipes at the POS terminal to complete the desired transaction.

Abstract: According to one aspect, the subject matter described herein includes a system for providing an entity with the ability to control behaviors and capabilities of accounts of the entity on a per-user basis. The system includes a database for associating the entity with at least one account and for storing entity-defined and user-defined preferences that control behaviors and capabilities of the entity's accounts and/or account transactions on a per-user basis. The system also includes a mobile backend server that operates as a conduit or intermediary for electronic financial or non-financial transactions of the entity and that applies to the transactions the preferences that control behaviors and capabilities of the entity's accounts on a per-user basis prior to processing by a payment transaction network.