Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.

Abstract: Techniques for conducting a transaction in a midrange wireless communication system are described. The techniques may include detecting a beacon transmission from a midrange wireless base station, determining that the beacon transmission includes a transaction service identifier, and invoking a transaction application associated with the transaction service identifier. The techniques may also include receiving transaction information for a transaction associated with a transaction identifier mapped to the device identifier; and sending a transaction cryptogram from the transaction application to the midrange wireless base station to conduct the transaction.

Abstract: Techniques for conducting a transaction in a midrange wireless communication system are described. The techniques may include detecting a beacon transmission from a midrange wireless base station, determining that the beacon transmission includes a transaction service identifier, and invoking a transaction application associated with the transaction service identifier. The techniques may also include receiving transaction information for a transaction associated with a transaction identifier mapped to the device identifier; and sending a transaction cryptogram from the transaction application to the midrange wireless base station to conduct the transaction.

Abstract: Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.

Abstract: Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.

Abstract: Techniques for conducting a transaction in a midrange wireless communication system are described. The techniques may include detecting a beacon transmission from a midrange wireless base station, determining that the beacon transmission includes a transaction service identifier, and invoking a transaction application associated with the transaction service identifier. The techniques may also include receiving transaction information for a transaction associated with a transaction identifier mapped to the device identifier; and sending a transaction cryptogram from the transaction application to the midrange wireless base station to conduct the transaction.

Abstract: Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.

Abstract: A method is disclosed. The method includes receiving a credential request message requesting a temporary credential associated with a payment account, and then determining, by a server computer, using a routing table and data associated with the payment card, a third-party computer associated with the payment account. The method also includes transmitting the credential request message to the third-party computer, and receiving, by the server computer, the temporary credential from the third-party computer. The method also includes determining, by the server computer, the communication device associated with the requested temporary credential and transmitting, by the server computer, the temporary credential to the communication device.

Abstract: Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.

Abstract: Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.

Abstract: Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.

Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.

Abstract: Embodiments of the invention are directed towards improved transaction processing methods and systems with transaction apparatuses, including a value transfer machine, using a device identifier instead of a value transfer machine card to process a transaction. One embodiment of the transaction may be directed to a transaction apparatus and a method including receiving an authentication code from a consumer, sending the authentication code to a first server computer, wherein if the received authentication code matches a generated authentication code, the first server sends a confirmation message. The method continues by receiving the confirmation message from the first server, receiving a secret token from the consumer, and sending an authorization request message to a second server computer. Thereafter, the transaction apparatus receives an authorization response message from the second server, indicating whether the secret token matches an expected token.

Abstract: Systems and methods for mobile funding are provided. One such method comprises receiving a transaction request to transfer funds from a payor to a payee. The transaction request can include a payor device identifier, a payee device identifier and an amount. A payor account identifier associated with the payor device identifier, and a payee account identifier associated with the payee device identifier can each be determined. Additionally, a first service provider associated with the payor device can be determined based on the payor device identifier, and a second service provider associated with the payee device can be determined based on the payee device identifier. The transfer of funds from the first service provider to the second service provider can then be initiated using the payor account identifier and the payee account identifier. At least one of the first and second service providers is a mobile network operator.

Abstract: An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.

Abstract: An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.

Abstract: A method for a value transfer operation includes determining a sender currency using the account information of the sender and a receiver currency using the BIN associated with the sender account. The method further includes determining a currency exchange rate, transaction fee, and currency markup fee based on the sender and receiver currencies and various attributes of the sender account and the receiver account.

Abstract: An alias management and off-us demand deposit account processing system is disclosed. A sending entity initiates a value transfer with a payment processing network indicating a value transfer providing issuer which will conduct the value transfer and a demand deposit account issuer which hosts the demand deposit account that funds the value transfer. The sending entity is able to conduct a value transfer via a value transfer providing issuer using funds from an account with another issuer.

Abstract: An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.

Abstract: Funds are electronically transferred between a provider and a beneficiary. A provider accountholder accesses a funds transfer system to communicate with a host. The provider accountholder sends the host information sufficient to process the electronic funds transfer including designating transfer conditions to be satisfied prior to remittance of the funds from a provider account to a beneficiary account. The host receives the funds transfer request from the provider accountholder, receives authorization of the funds transfer from the issuer of the provider account, and, prior to remitting the funds, determines if the transfer conditions are satisfied. In some implementations, the funds are suspended in the provider account or transferred to a temporary account before the remittance. A system is disclosed for generating a payment card for any beneficiary account type, where the funds transfers terminates in a new account opening, followed by funding of that new account.