Abstract: In some embodiments, a method includes receiving, from a user of a user device, a request for an authorization-by-proxy payment on delivery (POD); requesting, at the user device, the user identify an authorized proxy for the authorization-by-proxy POD; generating an authorization-by-proxy code based upon buyer-controlled payment control parameters; and using the buyer-controlled payment parameters to control processing of a payment for the authorization-by-proxy POD. In some embodiments, the method further includes pre-authorizing, at shipment time of merchandise associated with the authorization-by-proxy POD, a hold on a monetary amount associated with an order of the merchandise associated with the authorization-by-proxy POD.

Abstract: Embodiments provide methods and systems for associating a single token with multiple accounts of a user, and enabling the user to define rules for processing transactions using the token. A Federated Virtual Card (FVC) may be provisioned on a digital wallet of a user device through a token associated with the FVC. Transactions conducted using the FVC may be divided among the two or more user accounts based on user-defined rules. An account (e.g. card) may be added to or removed from the FVC without disrupting the card holder's ability to use the card to transact outside the FVC. A mobile application or an online platform may be provided for managing the FVC.

Abstract: In some embodiments, a method includes receiving, from a user of a user device, a request for an authorization-by-proxy payment on delivery (POD); requesting, at the user device, the user identify an authorized proxy for the authorization-by-proxy POD; generating an authorization-by-proxy code based upon buyer-controlled payment control parameters; and using the buyer-controlled payment parameters to control processing of a payment for the authorization-by-proxy POD. In some embodiments, the method further includes pre-authorizing, at shipment time of merchandise associated with the authorization-by-proxy POD, a hold on a monetary amount associated with an order of the merchandise associated with the authorization-by-proxy POD.

Abstract: Embodiments provide methods and systems for associating a single token with multiple accounts of a user, and enabling the user to define rules for processing transactions using the token. A Federated Virtual Card (FVC) may be provisioned on a digital wallet of a user device through a token associated with the FVC. Transactions conducted using the FVC may be divided among the two or more user accounts based on user-defined rules. An account (e.g. card) may be added to or removed from the FVC without disrupting the card holder's ability to use the card to transact outside the FVC. A mobile application or an online platform may be provided for managing the FVC.

Abstract: Provided is a method, system, and apparatus for authenticating a user device. The method includes registering a device identifier with at least one transformation rule, receiving a request for authentication comprising a device identifier associated with a user device, obtaining a one-time password (OTP) in response to receiving the request, communicating the OTP to the user device, receiving a transformed OTP from the user device, and authenticating the user device based on the OTP, the transformed OTP, and the at least one transformation rule.

Abstract: Provided is a method, system, and apparatus for authenticating a user device. The method includes registering a device identifier with at least one transformation rule, receiving a request for authentication comprising a device identifier associated with a user device, obtaining a one-time password (OTP) in response to receiving the request, communicating the OTP to the user device, receiving a transformed OTP from the user device, and authenticating the user device based on the OTP, the transformed OTP, and the at least one transformation rule.

Abstract: A computer-implemented method includes, receiving, with at least one processor, payment transaction data, extracting, using the at least one processor, catastrophic event data from a network, generating, with the at least one processor, a catastrophic event score based on the payment transaction data and the catastrophic event data, and adjusting financial fraud rules used to decline or approve financial transactions. The financial fraud rules may be adjusted by adding a catastrophic event threshold to the financial fraud rules that utilize the catastrophic event score to determine whether a financial transaction is fraudulent.

Abstract: Embodiments provide methods and systems for associating a single token with multiple accounts of a user, and enabling the user to define rules for processing transactions using the token. A Federated Virtual Card (FVC) may be provisioned on a digital wallet of a user device through a token associated with the FVC. Transactions conducted using the FVC may be divided among the two or more user accounts based on user-defined rules. An account (e.g. card) may be added to or removed from the FVC without disrupting the card holder's ability to use the card to transact outside the FVC. A mobile application or an online platform may be provided for managing the FVC.

Abstract: Provided is a method, system, and apparatus for authenticating a user device. The method includes registering a device identifier with at least one transformation rule, receiving a request for authentication comprising a device identifier associated with a user device, obtaining a one-time password (OTP) in response to receiving the request, communicating the OTP to the user device, receiving a transformed OTP from the user device, and authenticating the user device based on the OTP, the transformed OTP, and the at least one transformation rule.

Abstract: Provided is a method, system, and apparatus for authenticating a user device. The method includes registering a device identifier with at least one transformation rule, receiving a request for authentication comprising a device identifier associated with a user device, obtaining a one-time password (OTP) in response to receiving the request, communicating the OTP to the user device, receiving a transformed OTP from the user device, and authenticating the user device based on the OTP, the transformed OTP, and the at least one transformation rule.