Abstract: A system for facilitating virtual-to-physical secure remote payment to a physical location is described.

Abstract: A system for facilitating virtual-to-physical secure remote payment to a physical location is described.

Abstract: A system for facilitating payment and non-payment transactions between a computing device that lacks an activated payment application and a merchant is described. In an embodiment, a transaction bridge server receives, from a merchant server, transaction information for a particular transaction between a user and a merchant. The transaction bridge server generates a URL representing the particular transaction, sends the URL to the merchant server, and receives, from a web browser of a computing device, an indication of an interaction between the computing device and a touchpoint comprising the URL, the indication comprising a request to access the URL. The transaction bridge server generates a display page customized for the user, the display page comprising the transaction information, sends the display page to the web browser of the computing device, receives an acceptance of the particular transaction, and initiates the particular transaction.

Abstract: According to one aspect, the subject matter described herein includes a method for using a mobile device to effect a secure electronic transaction. In one embodiment, the method includes, at a mobile backend server comprising one or more processors: receiving, from a mobile device of a user that is engaged in or desires to engage in an electronic transaction with an entity other than the user, first information that identifies the user and second information that directly or indirectly identifies the electronic transaction, wherein the second information does not contain payment information for the user; using the first information to identify the user; determining user payment information for the identified user; using the second information to identify a target for the payment information; and sending the user payment information to the identified target for use to initiate the electronic transaction.

Abstract: Methods and systems for performing an advertisement based single step electronic transaction with or without using a custom application are provided. According to one aspect, a method for performing an advertisement based single step electronic transaction comprises, at a backend server: receiving an indication that a user is interested in a product in an advertisement that was presented to the user; generating transaction information, the transaction information including product information, payment instrument information, and shipping information, and presenting it to the user in a manner such that the user need only perform a single step in order to trigger the transaction; detecting that the user has performed the single step; initiating the transaction; and notifying the user of the result of the transaction.

Abstract: A system for facilitating virtual-to-physical secure remote payment to a physical location is described.

Abstract: A system for facilitating payment and non-payment transactions between a computing device that lacks an activated payment application and a merchant is described. In an embodiment, a transaction bridge server receives, from a merchant server, transaction information for a particular transaction between a user and a merchant. The transaction bridge server generates a URL representing the particular transaction, sends the URL to the merchant server, and receives, from a web browser of a computing device, an indication of an interaction between the computing device and a touchpoint comprising the URL, the indication comprising a request to access the URL. The transaction bridge server generates a display page customized for the user, the display page comprising the transaction information, sends the display page to the web browser of the computing device, receives an acceptance of the particular transaction, and initiates the particular transaction.

Abstract: Methods, systems, and computer readable media for providing contextualized, personalized pricing, offers, and recommendations to a user are disclosed. According to one aspect of the present disclosure, a method for providing contextualized, personalized pricing, offers, and recommendations to a user comprises identifying and collecting contextual information of interest, identifying algorithms, expert knowledge rules, and/or filters to apply to the contextual information of interest, and applying the identified algorithms, expert knowledge rules, and/or filters to the contextual information of interest to generate a contextualized price, offer, or recommendation.

Abstract: Methods and systems for providing a universal, global, virtual wallet to merchant payment system adapter are provided. The present disclosure provides the physical and logical infrastructure to provide a universal interface between any type of payment or money transfer system and any payment acceptance system, and specifically bridges the gap between “wallets”, i.e., systems that transfer funds between users but can't be used with traditional card payment acceptance systems, and traditional card payment acceptance systems such as debit, credit, and prepaid cards, which may be a physical card that can be swiped, chip inserted, or NFC tapped. According to one aspect, a third-party server coordinates a transfer of funds from a user's wallet account directly to a merchant's debit card, which the merchant swipes at the POS terminal to complete the desired transaction.

Abstract: According to one aspect, the subject matter described herein includes a system for performing secure mobile payment and non-payment transactions with integrated loyalty, rewards, and promotions. A mobile backend server (MBE) stores and maintains payment and non-payment account information for users, and presents a list of available payment and non-payment instruments to the user prior to the user's interaction with a merchant for shopping, item selection, or checkout. In response to detecting an interaction between the user and a merchant for shopping, item selection, or checkout, the MBE determines incentives that are available to the user, presents the available incentives to the user for selection prior to completion of a payment or non-payment transaction with the merchant, and determines which of the available incentives and payment instruments are selected by the user. The incentives and/or transaction amounts presented to the user are dynamically updated based on the user selection.

Abstract: Methods and systems for performing an advertisement-based electronic transaction using a mobile device are provided herein. According to one aspect, the subject matter described herein comprises a system for performing an advertisement-based electronic transaction using a mobile device. The system comprises a database for storing and maintaining payment information for mobile users and a mobile backend server that receives, from a mobile device of a user, first information about an item or transaction, wherein the mobile device received the first information from an advertisement available to the mobile device, and second information about the user, that processes the first and second information to determine transaction information and to generate payment information, and that sends the transaction and payment information to a payment network for processing the ecommerce transaction.

Abstract: Methods and systems for performing an advertisement-based electronic transaction using a mobile device are provided herein. According to one aspect, the subject matter described herein comprises a system for performing an advertisement-based electronic transaction using a mobile device. The system comprises a database for storing and maintaining payment information for mobile users and a mobile backend server that receives, from a mobile device of a user, first information about an item or transaction, wherein the mobile device received the first information from an advertisement available to the mobile device, and second information about the user, that processes the first and second information to determine transaction information and to generate payment information, and that sends the transaction and payment information to a payment network for processing the ecommerce transaction.

Abstract: Methods and systems for dynamically presenting various financial and non-financial incentives to drive the use of merchant-preferred payment and non-payment options at the time of performing an electronic transaction are provided. Prior to completion of the electronic transaction between a customer and a merchant, first and second sets of incentives associated with the electronic transaction are determined, the incentives being associated with respective payment or non-payment transaction options. First and second information, based on the first and second set of incentives, respectively, are determined and presented to the customer. The information may include incentives, undiscounted totals, and/or discounted totals. The order for displaying the information is dynamically determined. Upon selection of the information by the customer, the electronic transaction will be completed using the transaction option that is associated with the selected information.

Abstract: According to one aspect, the subject matter described herein includes a system for performing secure mobile payment and non-payment transactions with integrated loyalty, rewards, and promotions. The system includes a mobile backend server that stores and maintains private information, including sensitive or confidential information, of a user of a mobile device and that can provide the private information to other entities via secure communication channels so that the user can engage in electronic transactions involving that private information without having to pass private information over a mobile device or other insecure channels. The mobile backend server detects the presence of the user at or near a merchant's physical point of sale and notifies the merchant of the presence and/or identity of the user. The mobile backend server provides a communication path between the merchant and the user so that the merchant and user can engage in pre-payment activity.

Abstract: Methods and systems for communicating item information between merchant equipment for scanning or selecting the item and a customer's mobile device are provided. According to one aspect, a method for communicating item information between merchant equipment for scanning or selecting the item and a customer's mobile device includes, at a mobile device of a customer: receiving information for identifying merchant equipment for scanning or selecting an item; using the received information to establish a digital communication connection between the mobile device and the identified merchant equipment; and receiving information related to an item being scanned by the merchant equipment via the digital communication connection.

Abstract: According to yet another aspect, the subject matter described herein includes a system for generating and completing a direct M2B ecommerce transaction using a mobile device. The system includes a database for storing and maintaining payment information for mobile users. The system also includes a mobile backend server that receives, from a mobile device of a user, first information about an item or transaction, where the mobile device received the first information from a source physically proximate to the mobile device, and second information about the user, that processes the first and second information to determine transaction information and to generate payment information, and that sends the transaction and payment information to a payment network for processing the ecommerce transaction.

Abstract: According to one aspect, the subject matter described herein includes a system for providing an entity with the ability to control behaviors and capabilities of accounts of the entity on a per-user basis. The system includes a database for associating the entity with at least one account and for storing entity-defined and user-defined preferences that control behaviors and capabilities of the entity's accounts and/or account transactions on a per-user basis. The system also includes a mobile backend server that operates as a conduit or intermediary for electronic financial or non-financial transactions of the entity and that applies to the transactions the preferences that control behaviors and capabilities of the entity's accounts on a per-user basis prior to processing by a payment transaction network.

Abstract: Methods and systems for performing an advertisement-based electronic transaction are provided. According to one aspect, a system for performing an advertisement-based electronic transaction comprises a mobile backend server comprising a network interface, one or more processors, and memory. The mobile backend server receives, from a first electronic device, first information for identifying the user and second information for identifying an advertisement; identifies the user based on the first information; identifies an advertisement based on the second information; identifies a transaction object associated with the identified advertisement; determines transaction information for an electronic transaction involving the identified transaction object; determines payment information for the identified user; and initiates an electronic transaction using the transaction information and payment information.

Abstract: According to one aspect, the subject matter described herein includes a system for performing secure mobile payment and non-payment transactions with integrated loyalty, rewards, and promotions. A mobile backend server (MBE) stores and maintains payment and non-payment account information for users, and presents a list of available payment and non-payment instruments to the user prior to the user's interaction with a merchant for shopping, item selection, or checkout. In response to detecting an interaction between the user and a merchant for shopping, item selection, or checkout, the MBE determines incentives that are available to the user, presents the available incentives to the user for selection prior to completion of a payment or non-payment transaction with the merchant, and determines which of the available incentives and payment instruments are selected by the user. The incentives and/or transaction amounts presented to the user are dynamically updated based on the user selection.

Abstract: According to one aspect, the subject matter described herein includes a method for using a consumer identity to perform electronic transactions. The method includes, at a mobile backend server, receiving user information that identifies a user of a mobile device distinct from the mobile backend server, using the user information to determine transaction information to be used to initiate an electronic transaction, and sending the transaction information to a point of interaction, distinct from the mobile device and the mobile backend server, for initiating the electronic transaction.