Abstract: A system is configured to perform operations that include receiving a purchase request to use a consumer digital wallet account of a user to pay for an item sold by a merchant, the consumer digital wallet account being included as a payment method in a merchant digital wallet account provided by the merchant to the user. The operations further include generating a single-use payment token based on a non-transactable token. Additionally, the operations include transmitting, to an existing card payment network, a card transaction message that includes the single-use payment token, the single-use payment token causing the existing card payment network to route the card transaction message back to the system. The operations also include causing payment to be remitted from the user to the merchant using a payment method included in the consumer digital wallet account.

Abstract: A system is configured to perform operations that include receiving a purchase request to use a consumer digital wallet account of a user to pay for an item sold by a merchant, the consumer digital wallet account being included as a payment method in a merchant digital wallet account provided by the merchant to the user. The operations further include generating a single-use payment token based on a non-transactable token. Additionally, the operations include transmitting, to an existing card payment network, a card transaction message that includes the single-use payment token, the single-use payment token causing the existing card payment network to route the card transaction message back to the system. The operations also include causing payment to be remitted from the user to the merchant using a payment method included in the consumer digital wallet account.

Abstract: A system is configured to perform operations that include receiving a purchase request to use a consumer digital wallet account of a user to pay for an item sold by a merchant, the consumer digital wallet account being included as a payment method in a merchant digital wallet account provided by the merchant to the user. The operations further include generating a single-use payment token based on a non-transactable token. Additionally, the operations include transmitting, to an existing card payment network, a card transaction message that includes the single-use payment token, the single-use payment token causing the existing card payment network to route the card transaction message back to the system. The operations also include causing payment to be remitted from the user to the merchant using a payment method included in the consumer digital wallet account.

Abstract: A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a set of device characteristics from a user device and identifying, based on the set of device characteristics, the user device. The method also includes determining whether to trust the user device and determining whether the user device is associated with a user that was previously authenticated. The method further includes in response to determining to trust the user device and that the user device is associated with the user that was previously authenticated, authenticating the user based on the previous authentication.

Abstract: A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a set of device characteristics from a user device and identifying, based on the set of device characteristics, the user device. The method also includes determining whether to trust the user device and determining whether the user device is associated with a user that was previously authenticated. The method further includes in response to determining to trust the user device and that the user device is associated with the user that was previously authenticated, authenticating the user based on the previous authentication.

Abstract: A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a set of device characteristics from a user device and identifying, based on the set of device characteristics, the user device. The method also includes determining whether to trust the user device and determining whether the user device is associated with a user that was previously authenticated. The method further includes in response to determining to trust the user device and that the user device is associated with the user that was previously authenticated, authenticating the user based on the previous authentication.

Abstract: A system is configured to perform operations that include receiving a purchase request to use a consumer digital wallet account of a user to pay for an item sold by a merchant, the consumer digital wallet account being included as a payment method in a merchant digital wallet account provided by the merchant to the user. The operations further include generating a single-use payment token based on a non-transactable token. Additionally, the operations include transmitting, to an existing card payment network, a card transaction message that includes the single-use payment token, the single-use payment token causing the existing card payment network to route the card transaction message back to the system. The operations also include causing payment to be remitted from the user to the merchant using a payment method included in the consumer digital wallet account.

Abstract: A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a set of device characteristics from a user device and identifying, based on the set of device characteristics, the user device. The method also includes determining whether to trust the user device and determining whether the user device is associated with a user that was previously authenticated. The method further includes in response to determining to trust the user device and that the user device is associated with the user that was previously authenticated, authenticating the user based on the previous authentication.

Abstract: A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a set of device characteristics from a user device and identifying, based on the set of device characteristics, the user device. The method also includes determining whether to trust the user device and determining whether the user device is associated with a user that was previously authenticated. The method further includes in response to determining to trust the user device and that the user device is associated with the user that was previously authenticated, authenticating the user based on the previous authentication.

Abstract: Methods, systems, and computer program products are included for electronic provisioning and transactions. These methods, systems, and computer program products expose communicatively coupled components in an electronic payment framework to provide electronic omni-channel payments using a hierarchy of vault data stores. Various aspects of this framework include provisioning a tender and using the provisioned tender as part of a transaction. This framework may be used in the context of in-store, private label card, and e-commerce payments. An example method of performing an electronic transaction includes transmitting a client token from a merchant application to a white label platform. The white label platform determines a billing agreement identifier that corresponds to the client token. The white label platform transmits the billing agreement identifier to a consumer vault provider.

Abstract: A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a set of device characteristics from a user device and identifying, based on the set of device characteristics, the user device. The method also includes determining whether to trust the user device and determining whether the user device is associated with a user that was previously authenticated. The method further includes in response to determining to trust the user device and that the user device is associated with the user that was previously authenticated, authenticating the user based on the previous authentication.