Abstract: In one aspect, an apparatus for setting a dynamic user/issuer pairing is provided, comprising: at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus at least to: send transaction details and an account identifier to a plurality of issuer servers belonging to a corresponding plurality of issuers, the transaction details relating to a transaction initiated by a user and the account identifier identifying the user; receive issuer fee bids submitted by one or more issuers who have received the transaction details and the account identifier, the one or more issuers being those available to conduct the transaction; and analyze the issuer bids based on predetermined criteria associating with the account identifier to present to the user at least one issuer among the one or more issues who have submitted the issuer bids.

Abstract: When a payment transaction made by a user, a reminder data file is created including reminder items associated with the payment transaction. At least one of the reminder items is an image. Subsequently, a transaction statement listing one or more payment transactions is provided to the user, in a form in which each listed payment transaction is associated with an embedded link to the corresponding reminder data file, which permits the user to access the reminder data file. Thus, a user who is unable to recognize a payment transaction on the transaction statement, can use the statement to access the corresponding reminder items, to provide the user with a reminder of the details of the transaction.

Abstract: Examples of a data migration system are provided. The system may receive a data migration requirement. The system may sort the data stored in the on-premise data warehouse into a plurality of data domains. The system may map the plurality of data domains to a usage parameter index and a storage parameter index to determine a data usage pattern and a data storage pattern. The system may evaluate the data storage pattern and the data usage pattern to determine a data assessment index. The system may determine a data migration index from mapping a plurality of cloud platforms to the data assessment index. The system may determine a data migration model compatible with the data assessment index. The system may generate a data migration output comprising the layout for transferring data stored in the on-premise data warehouse to a compatible cloud platform to resolve the data migration requirement.

Abstract: According to some embodiments, an authentication server may receive first and second biometric user data from a writing device. The writing device may, according to some embodiments, have a plurality of spatially alternating sensors, including a plurality of sensors of a first type to read the first biometric user data and a plurality of sensors of a second type to read the second biometric user data. The authentication server may also receive a user identifier input by the user via the writing device and verify that the first and second biometric user data are consistent with the user and that the user has a payment account associated with the user identifier input. The authentication server may then determine a payment identifier associated with payment account and transmit a payment authorization indication associated with the determined payment identifier.

Abstract: Embodiments of the present invention can simplify the use of payment cards by capturing or generating an electronic image of a customer's payment card at the time of requesting a payment card transaction, and processing the electronic image to automatically determine required payment card information, including the payment card number, account name, and expiry date printed or otherwise represented on the payment card.

Abstract: According to a first aspect of the invention, a computer-implemented method for determining an effectiveness of an electronic advertisement received at a user device is provided, the method including, at a server: receiving a notification message in response to the electronic advertisement being downloaded; generating a unique identifier and a time stamp in response to the download of the electronic advertisement, the unique identifier identifying the user device, and the time stamp identifying a time at which the electronic advertisement is downloaded; and receiving transaction data relating to a transaction initiated by the user using the downloaded electronic advertisement, the transaction data indicating the electronic advertisement has been used and including the unique identifier and the time stamp; determining the effectiveness of the electronic advertisement based on the transaction data and a relevance score of the user, the relevance score indicating the relevance of the electronic advertisement to

Abstract: A system and a method for transmitting payment card information are provided. The system includes at least one memory including computer program code configured to, with at least one processor, cause the system at least to (i) receive, from a capacitive touch sensor, input signals generated in response to conductive elements of a payment card that is placed on the capacitive touch sensor, the conductive elements disposed on the payment card information present on the payment card, (ii) determine, using th e input signals, an orientation of the payment card that is placed on the capacitive touch sensor, (iii) compare the determined orientation with a reference orientation associated with the payment card, (iv) generate computer-readable payment card information based on the input signals on a condition that the determined orientation corresponds to the reference orientation, and (v) transmit the computer-readable payment card information to a payment processor module.

Abstract: A computer-implemented method for processing a payment-on-delivery (POD) transaction is provided. The method comprising (a) obtaining transaction information in respect of an order placed by a cardholder with a merchant, said transaction information comprising payment account information associated with the cardholder; (b) transmitting a pre-payment authorization code associated with the order to the cardholder; (c) receiving a payment authorization request from a communication device of the cardholder, said payment authorization request having been sent upon delivery of order merchandise, wherein the payment authorization request comprises a candidate pre-payment authorization code; (d) verifying the candidate pre-payment authorization code using the pre-payment authorization code; and (e) upon successful verification, transmitting a transaction request for effecting a payment from an issuing bank associated with the payment account, the transaction request comprising the payment account information.

Abstract: According to some embodiments, an authentication server may receive first and second biometric user data from a writing device. The writing device may, according to some embodiments, have a plurality of spatially alternating sensors, including a plurality of sensors of a first type to read the first biometric user data and a plurality of sensors of a second type to read the second biometric user data. The authentication server may also receive a user identifier input by the user via the writing device and verify that the first and second biometric user data are consistent with the user and that the user has a payment account associated with the user identifier input. The authentication server may then determine a payment identifier associated with payment account and transmit a payment authorization indication associated with the determined payment identifier.

Abstract: A method and system for issuing a payment medium for use in an electronic payment transaction. The method comprising the steps of identifying a user based on identification data received from the user at an Automated Teller Machine (ATM); receiving, at the ATM, a request from the user for a payment medium having a monetary amount and a validity period of the payment medium; generating, at the ATM, a code that is associated with the identification data, the monetary amount and the validity period and dispensing, at the ATM, the payment medium with the code.

Abstract: When a payment transaction made by a user, a reminder data file is created including reminder items associated with the payment transaction. At least one of the reminder items is an image. Subsequently, a transaction statement listing one or more payment transactions is provided to the user, in a form in which each listed payment transaction is associated with an embedded link to the corresponding reminder data file, which permits the user to access the reminder data file. Thus, a user who is unable to recognize a payment transaction on the transaction statement, can use the statement to access the corresponding reminder items, to provide the user with a reminder of the details of the transaction.

Abstract: A positional-based transaction payment preauthorization system includes an electronic payment processing center (EPPC) communicating with a mobile computing device (MCD) associated with at least one payment card account (PCA), a data store containing merchant physical location information records, the EPPC configured to acquire positional information of the MCD, access the merchant location records, compare the mobile computing device positional information with the merchant location records, identify whether at least one merchant has a location within a predefined distance of the MCD, if at least one merchant is identified, then calculate a spend propensity prediction for the at least one PCA, provide to an issuer bank of the at least one PCA the identified merchant and the spend prediction, receive from the issuer bank a preauthorization associated with a respective one of the at least one PCA, and provide the preauthorization to the MCD. A method and computer-readable medium are disclosed.

Abstract: A system and a method for transmitting payment card information are provided. The system includes at least one memory including computer program code configured to, with at least one processor, cause the system at least to (i) receive, from a capacitive touch sensor, input signals generated in response to conductive elements of a payment card that is placed on the capacitive touch sensor, the conductive elements disposed on the payment card information present on the payment card, (ii) determine, using th e input signals, an orientation of the payment card that is placed on the capacitive touch sensor, (iii) compare the determined orientation with a reference orientation associated with the payment card, (iv) generate computer-readable payment card information based on the input signals on a condition that the determined orientation corresponds to the reference orientation, and (v) transmit the computer-readable payment card information to a payment processor module.

Abstract: Embodiments of the present invention can simplify the use of payment cards by capturing or generating an electronic image of a customer's payment card at the time of requesting a payment card transaction, and processing the electronic image to automatically determine required payment card information, including the payment card number, account name, and expiry date printed or otherwise represented on the payment card.

Abstract: According to a first aspect of the invention, a computer-implemented method for determining an effectiveness of an electronic advertisement received at a user device is provided, the method including, at a server: receiving a notification message in response to the electronic advertisement being downloaded; generating a unique identifier and a time stamp in response to the download of the electronic advertisement, the unique identifier identifying the user device, and the time stamp identifying a time at which the electronic advertisement is downloaded; and receiving transaction data relating to a transaction initiated by the user using the downloaded electronic advertisement, the transaction data indicating the electronic advertisement has been used and including the unique identifier and the time stamp; determining the effectiveness of the electronic advertisement based on the transaction data and a relevance score of the user, the relevance score indicating the relevance of the electronic advertisement

Abstract: A method of operating a payment device includes interfacing the payment device to a merchant device to perform a payment transaction. The payment device may create and store a record of the payment transaction. On an occasion later than the payment transaction, the payment device may be interfaced to a network device. While the payment device is interfaced to the network device, at least a portion of the payment transaction record is transmitted from the payment device to the network device to cause the payment transaction to be cleared from the payment device user's account to the account of the merchant that operated the merchant device.

Abstract: A method includes receiving transaction data from a payment network. The transaction data may represent payment account transactions. A subset of the transaction data may be associated with a district in an urban area. A summary characteristic of the district may be generated on the basis of the subset of transaction data associated with the district. The district may be represented by a color or a shade on a map. The map may be transmitted to a user's mobile device.

Abstract: Method and apparatus for improving a public transport system is disclosed. The method comprises obtaining transaction data representing past transactions performed by a plurality of consumers via a payment network. The transaction data is indicative of geographic locations at which the respective transactions were carried out. For each of the consumers, at least one journey segment performed by the consumer is identified using a first geographic location associated with a first past transaction and a second geographic location. The method further comprises storing in a database the identified journey segments and corresponding counts associated with the respective journey segments; determining a capacity index representing a capability of an existing public transport system to accommodate at least one of the identified journey segments using the database; and generating a notification to modify a transport operation undertaken by a public transport operator based on the capacity index.

Abstract: According to some embodiments, an authentication server may receive first and second biometric user data from a writing device. The writing device may, according to some embodiments, have a plurality of spatially alternating sensors, including a plurality of sensors of a first type to read the first biometric user data and a plurality of sensors of a second type to read the second biometric user data. The authentication server may also receive a user identifier input by the user via the writing device and verify that the first and second biometric user data are consistent with the user and that the user has a payment account associated with the user identifier input. The authentication server may then determine a payment identifier associated with payment account and transmit a payment authorization indication associated with the determined payment identifier.

Abstract: A method includes receiving a transaction request, which includes merchant data that identifies a merchant. The merchant data is translated into an account number for the merchant. The merchant data and/or the merchant's account number is used to identify a financial institution that acts as a transaction acquirer for the merchant. A payment system transaction authorization request is routed to the identified financial institution.