Abstract: A method is disclosed. The method includes generating an obfuscated portion using a dynamic cryptogram unique to a transaction, where the dynamic cryptogram is determined using a uniquely derived key. The method also includes replacing a middle portion of the account identifier with the obfuscated portion to form an obfuscated account identifier.

Abstract: A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.

Abstract: In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement.

Abstract: A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured to receive a financial transaction request message from a payment device reader, and parse the financial transaction request message. The financial transaction request message includes a cardholder response to an offer to enroll in a loyalty program of a commercial entity. The processor is further configured to store the cardholder response in the computer readable storage medium.

Abstract: System, methods, and apparatus provide account balance alerts for a mobile phone used to initiate a transaction when an account balance is close to a credit limit or close to zero or a minimum balance amount. When a consumer uses an account associated with a mobile phone to make a purchase, the account is checked to see if the purchase would result in an account balance within a predetermined threshold of the credit limit in the case of a credit account, or within a predetermined threshold of zero or a minimum balance, in the case of a debit account. If the threshold has been surpassed an account balance alert is automatically sent to the mobile phone. Since the mobile phone was just used for the transaction, the consumer is timely notified of the approach of the balance to the credit/debit limit and can take corrective action in a timely manner.

Abstract: A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) which is presentable to providers of goods or service is provided. The provisioning system relies on a transaction processing system that normally routes authorization requests from merchants to issuers of FPDs for purposes of authorizing FPD transactions. The transaction processing system already stores security keys of all issuers in order to validate transaction data being sent from the merchants. The provisioning system monitors authorization requests being routed through the transaction processing system and retrieves an authorization request of a financial transaction that was initiated with a particular FPD.

Abstract: Each portable payment device associated with a single account within a payment processing system is distinguished using track data. The track data from the portable payment device is read at each of a plurality of merchant point of sale terminals (POS). Rather than relying on the PAN alone, a merchant may utilizes the track data, or a proxy thereof, as the unique identifier for the portable payment device. The merchant may then process transactions involving the portable payment device based on the unique identifier. For example, in the transit environment the transit fare for each rider with different portable payment devices but the same account can be calculated using the unique identifier, such as the full track data read from both tracks of the corresponding portable payment devices.

Abstract: A method for using a secondary PAN is disclosed. The method includes providing a secondary PAN associated with a primary PAN, where the secondary PAN has at least one end portion that is the same as the primary PAN, but has a middle portion of that is different than the primary PAN.

Abstract: A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer's account to pay of the transaction.

Abstract: A system for managing access to resources in a plurality of servers by a plurality of client computers by using an operating system independent Secure Shell (SSH) protocol running in each server and using a central policy database that centrally stores access rules which specify access to the servers for a plurality of users/accounts. Each time a target server receives a user request to establish an SSH session, it retrieves associated access rules from the central policy database to obtain the latest access rules. Based on the retrieved rules and the identity of the user and the identity of the client computer, the target server determines whether the user has permission to establish the SSH session with the target server. Using a centralized database and requiring the servers to always retrieve the latest access rules from a central database provides consistent application of the access rules across all servers and all client computers.

Abstract: A system, method and credit card configured to display a current card balance on the credit card. The credit card receives a balance request from a button on the card. After retrieving the current card balance encoded on the credit card, the card displays the current card balance. Remote terminals may be configured to support the real-time display of a balance on a credit card by writing the current balance to the card after a payment transaction has occurred.

Abstract: Methods and devices for conducting financial transactions are provided. Aspects and embodiments include multifunction removable covers for portable payment devices; multifunction removable covers configured as password token type portable payment devices; and multifunction removable covers configured as radio frequency shields to prevent unintended data transmission.

Abstract: A method for forming a dynamic verification value. The method includes altering a first data string to form a second data string, and forming a first dynamic verification value using at least a portion of the second data string. The first dynamic verification value is used to authenticate a phone in a first transaction. The second data string is used to form a third data string. A second dynamic verification value is formed using at least a portion of the third data string. The second dynamic verification value is used to authenticate the phone in a second transaction.

Abstract: A payment device is disclosed. It includes a memory including payment data; and a display coupled to the memory. A processor is configured to execute one or more instructions for displaying the payment data on the display. The payment device is in the form of a card.

Abstract: A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on the account with the wireless mobile communications apparatus. A total currency amount for the transaction, and remaining balance in the account after the transaction, can be displayed on a display screen of the wireless mobile communications apparatus. The removable card can be a gift card bearing a magnetic strip having an identifier for the account encoded thereto that will be read when inserted into the wireless mobile communications apparatus which can be a cellular telephone or Web enabled portable device. The magnetic strip gift card can be substantially composed of paper so as to be intended for disposable after use.

Abstract: A method for managing mobile payments in a mobile phone. The method includes receiving data associated with a plurality of issuer specific payment services at a mobile phone, selecting one of the issuer specific payment services, and conducting a transaction using the phone.

Abstract: A payment system for facilitating a payment transaction between a payer and a payee is disclosed. The payment system includes an access device, a payee device, and a services hub. The services hub is configured to communicate with the access device and the payee device; and generate a tracer ticket.

Abstract: Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.

Abstract: One embodiment of the invention is directed to a method including receiving an alias identifier associated with an account associated with a presenter, determining an associated trusted party using the alias identifier, sending a verification request message to the trusted party after determining the associated trusted party, and receiving a verification response message.

Abstract: A method is disclosed, which includes receiving a message including an account identifier and a first verification value. The method uses the account identifier to select a dynamic verification value process from at least two dynamic verification value processes. Then, using the selected dynamic verification value process, a second verification value is determined. Next, the method determines if the first verification value and the second verification value match or are within an expected range.