Abstract: A computerized method electronically signs and authenticates documents using cards with associated private keys. A hash of a document is obtained from a user by a cloud point of sale (POS) server and a document signing request to sign the obtained hash with a card is received. The document signing request is received via the presentation of the card. The server causes the obtained hash to be signed using the private key of the card and an associated signature ID is generated. The signed hash and generated signature ID are stored, and the generated signature ID is provided to the user for use in future authentication of the document. Later, a document authentication request is received that includes the generated signature ID and a hash of a target document to be authenticated. The signed hash is decrypted and compared to the hash of the target document to determine its authenticity.

Abstract: Embodiments provide methods and systems for controlling payment transactions in a payment card using a companion payment application installed on a user device. The payment application and the payment card may be provided by an issuer server. Using the payment application, the number of transactions allowed on the payment card or an amount limit is set for the payment card. The payment application is used to set, reset, change the value of a counter in the card, which determines the number of allowed transactions. When the user attempts to make a transaction at a POS terminal, the payment card reads the value of counter, and if the value is not equal to a threshold value, the payment card exchanges data with the POS terminal and updates the value of the counter. The payment card is precluded from transaction when value of the counter is equal to threshold value.

Abstract: A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee.

Abstract: A transaction card comprises a piezoelectric chip configured to detect an impact applied to at least a portion of the transaction card, and generate an electrical pulse signal based on the detected impact. A processing circuitry of the transaction card is coupled to the piezoelectric chip. The processing circuitry, upon powering on, is configured to enable data exchange between the transaction card and a terminal device for executing a card-based transaction at the terminal device. The data exchange is enabled only when a magnitude of the electrical pulse signal exceeds a threshold value, thereby preventing unwanted data transfer from the transaction card.

Abstract: The invention secures contactless payment cards against misuse at ‘unattended type’ terminal devices having near field communication capabilities. The invention involves receiving from a communication device a first unique identifier associated with a contactless payment card, and a second unique identifier associated with the communication device. Transmission of the first unique identifier and the second unique identifier from the communication device is implemented in response to the communication device detecting a contactless card tap event, and the communication device retrieving the first unique identifier from the contactless payment card. The invention involves selectively implementing one of a first payment authorization communication flow and a second payment authorization communication flow.

Abstract: A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee.

Abstract: A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee.

Abstract: Embodiments provide methods, and server systems for performing a combined transaction for one or more scheduled transactions. The method is configured to generate one or more machine readable codes for the one or more scheduled transactions through a first transaction terminal, where each machine readable code is associated with a scheduled transaction of the one or more scheduled transactions. Further, the method includes generating a composite machine readable code based on the one or more machine readable codes. The generation of composite machine readable code further include, at least one authentication attribute of an assignee. The method, furthermore, includes receiving a second transaction request through a second transaction terminal. The second transaction request includes the composite machine readable code.

Abstract: Embodiments provide methods, and server systems for performing a combined transaction for one or more scheduled transactions. The method is configured to generate one or more machine readable codes for the one or more scheduled transactions through a first transaction terminal, where each machine readable code is associated with a scheduled transaction of the one or more scheduled transactions. Further, the method includes generating a composite machine readable code based on the one or more machine readable codes. The generation of composite machine readable code further include, at least one authentication attribute of an assignee. The method, furthermore, includes receiving a second transaction request through a second transaction terminal. The second transaction request includes the composite machine readable code.

Abstract: Embodiments provide methods and systems for sharing a user consent associated with user consent among applications. Method performed by server system includes storing consent token associated with user in a database based upon receiving consent from the user on the first application to utilize user credential data for subsequent transactions in connection with interaction between a user device and a first application service provider. The method includes receiving a request to access the consent token associated from a second application service provider associated with a second application accessible on the user device, determining whether the second application service provider is able to access the consent token associated with the first application based on access level data set by the first application service provider of the first application for accessing the consent token and allowing access of the consent token to the second application based on the determining step.

Abstract: The invention provides methods, systems and computer program products for securely provisioning an internet-of-things (IoT) device for implementing an electronic payment transaction.

Abstract: Embodiments provide methods, and server systems for performing a combined transaction for one or more scheduled transactions. The method is configured to generate one or more machine readable codes for the one or more scheduled transactions through a first transaction terminal, where each machine readable code is associated with a scheduled transaction of the one or more scheduled transactions. Further, the method includes generating a composite machine readable code based on the one or more machine readable codes. The generation of composite machine readable code further include, at least one authentication attribute of an assignee. The method, furthermore, includes receiving a second transaction request through a second transaction terminal. The second transaction request includes the composite machine readable code.

Abstract: Method and System for Facilitating Secure Payment Transactions A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee.

Abstract: A method and a system for facilitating reuse or recycling of a packing bag are provided. A server links one or more details of the packing bag with a user identifier of a user based on an issuance of the packing bag to the user. The packing bag is associated with an identity tag that stores the one or more details of the packing bag. The server detects an occurrence of a first event associated with the packing bag. The first event corresponds to the reuse of the packing bag by the user or submission of the packing bag by the user for recycling. Based on the detection of the first event, the server credits one or more reward points to a reward point account that is associated with the user identifier of the user. The reward points credited to the reward point account are redeemable by the user.

Abstract: Embodiments provide methods and systems for reading a Quick Response (QR) code displayed in a user device of a user for facilitating a payment transaction. The method includes facilitating display of the QR code on a display screen of the user device. The QR code includes at least a payment related information for a payment transaction. The method also includes initializing a QR capture mode in the user device for capturing the QR code using a capture overlay frame. The method includes reading the QR code within the capture overlay frame to extract the payment related information. The method further includes facilitating the payment transaction based at least on the payment related information extracted by reading the QR code.

Abstract: A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee.

Abstract: A method may include receiving an online purchase request in a merchant interface from an electronic device of a customer. The online purchase request includes payment related information of payment card associated with customer for purchasing an item at a set price. Method includes sending an OTP request to payment server. Method further includes receiving an OTP from payment server, and storing OTP as a merchant OTP. Further, method includes facilitating sending OTP to registered contact identifier of customer. Further, method includes providing an option to customer to input a customer OTP in merchant interface. Thereafter, upon receipt of customer OTP from customer, the method includes locking an online purchase order of item for the set price based on one or more conditions. Payment transaction from payment card is actuated after a time period of locking the online purchase order based on the one or more conditions.

Abstract: A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee.

Abstract: The invention provides methods, systems and computer program products for modifying priority parameters corresponding to a software payment application within a contactless payment card.

Abstract: A transaction card comprises a piezoelectric chip configured to detect an impact applied to at least a portion of the transaction card, and generate an electrical pulse signal based on the detected impact. A processing circuitry of the transaction card is coupled to the piezoelectric chip. The processing circuitry, upon powering on, is configured to enable data exchange between the transaction card and a terminal device for executing a card-based transaction at the terminal device. The data exchange is enabled only when a magnitude of the electrical pulse signal exceeds a threshold value, thereby preventing unwanted data transfer from the transaction card.