Abstract: Embodiments of the present invention are directed to a “one-click payment” scheme for streamlining customers' online checkout experiences. According to one particular embodiment, a customer can use a computing device to be authenticated and receive a unique, one-time token to make a one-click payment during an online checkout process. The one-time token may be encrypted and directly associated with a payment account which the customer is authorized to access. The online merchant may forward a transaction request including the one-time token and purchase amount to an authorization server which would verify the token and charge the corresponding payment account.

Abstract: Embodiments of the present invention are directed to a “one-click payment” scheme for streamlining customers' online checkout experiences. According to one particular embodiment, a customer can use a computing device to be authenticated and receive a unique, one-time token to make a one-click payment during an online checkout process. The one-time token may be encrypted and directly associated with a payment account which the customer is authorized to access. The online merchant may forward a transaction request including the one-time token and purchase amount to an authorization server which would verify the token and charge the corresponding payment account.

Abstract: Systems and methods for incentivizing the use of a payment mechanism are disclosed. In one embodiment, a method may include: (1) a graphical user interface for a computer program executed by a computer processor offering a user an incentive in exchange for having a payment instrument associated with a financial institution in an electronic wallet for an electronic payment service application; (2) the graphical user interface for the computer program receiving acceptance of the offer; (3) the computer program generating a transaction; (4) the computer processor executing the electronic payment service application; (5) a graphical user interface for the electronic payment service application receiving a financial instrument to conduct the transaction; (6) the electronic payment service application verifying that the financial instrument is associated with the financial institution; (7) presenting a redemption message; and (8) the computer program initiating redemption of the incentive.

Abstract: Embodiments of the present invention are directed to a “one-click payment” scheme for streamlining customers' online checkout experiences. According to one particular embodiment, a customer can use a computing device to be authenticated and receive a unique, one-time token to make a one-click payment during an online checkout process. The one-time token may be encrypted and directly associated with a payment account which the customer is authorized to access. The online merchant may forward a transaction request including the one-time token and purchase amount to an authorization server which would verify the token and charge the corresponding payment account.

Abstract: Embodiments of the present invention are directed to a “one-click payment” scheme for streamlining customers' online checkout experiences. According to one particular embodiment, a customer can use a computing device to be authenticated and receive a unique, one-time token to make a one-click payment during an online checkout process. The one-time token may be encrypted and directly associated with a payment account which the customer is authorized to access. The online merchant may forward a transaction request including the one-time token and purchase amount to an authorization server which would verify the token and charge the corresponding payment account.

Abstract: Embodiments of the present invention are directed to a “one-click payment” scheme for streamlining customers' online checkout experiences. According to one particular embodiment, a customer can use a computing device to be authenticated and receive a unique, one-time token to make a one-click payment during an online checkout process. The one-time token may be encrypted and directly associated with a payment account which the customer is authorized to access. The online merchant may forward a transaction request including the one-time token and purchase amount to an authorization server which would verify the token and charge the corresponding payment account.

Abstract: Embodiments of the present invention are directed to systems and methods for flexible checkout. A customer conducting a payment or purchase transaction with a financial account or payment card may obtain a bar code, QR code or other symbol (associated with the financial account or payment card) to be scanned by a POS reader/scanner rather than swiping the payment card or even possessing any physical card. According to some embodiments, the customer may choose from at least two checkout options, for example, based on the type of merchant involved in the transaction. For checkout at a physical store, a single-use code or symbol may be generated and scanned by POS equipment in lieu of swiping a payment card. For e-commerce checkout, the customer may be directed to a one-click payment process wherein a one-time token is submitted to the online merchant in lieu of real payment card account data.

Abstract: Embodiments of the invention are related generally to systems and methods for enabling remote control functionality of an Automated Teller Machine (“ATM”) from a mobile device. In the present invention, a customer may use a mobile device to connect to an ATM and remotely control the ATM while completing various transactions. In embodiments of the invention, the user may scan a Quck Response (“QR”) Code with the mobile device which will initiate the remote connection to the ATM. The ATM display screen may remain frozen or blank, or in embodiments of the invention, may display generic content and/or content directed towards the user. Thus, the user may securely complete the desired transaction(s). In embodiments of the invention, the user may also use the mobile device to generate a one-time authentication code for use by a second user at an ATM.

Abstract: A method of obtaining payer authorization for a purchase instrument transaction with a customer includes using a wireless device of a merchant to contact a virtual terminal service to process the transaction, entering transaction information into the wireless device, which transaction information includes an account identifier relating to the purchase instrument of the customer, forwarding the transaction information from the wireless device to the virtual terminal service, receiving at the wireless device a request from the virtual terminal service to receive payer authorization information from the customer, receiving the payer authorization directly from the customer into the wireless device of the merchant, forwarding the payer authorization from the wireless device to the virtual terminal service, and receiving an approval message from the virtual terminal service at the wireless device of the merchant.

Abstract: An in-process payer authorization system is configured to host a merchant e-commerce web site and create a purchase transaction record based on a transaction with a customer. The purchase transaction record includes an account identifier of the customer. The system is also configured to render a first display screen on a computer of the customer that is configured to query whether the customer is registered for in-process payer authorization. The system is further configured to include information based on a response to the query in the transaction record and render a second display screen on the computer of the customer that is configured to receive a confirmation code from the customer. The system is also configured to locate an in-process payer authorization record that includes an electronic address of the customer, generate a random code relating to the purchase transaction, and send an electronic communication to the electronic address of the customer that includes the random code.

Abstract: A method of obtaining payer authorization for a purchase instrument transaction with a customer includes using a wireless device of a merchant to contact a virtual terminal service to process the transaction, entering transaction information into the wireless device, which transaction information includes an account identifier relating to the purchase instrument of the customer, forwarding the transaction information from the wireless device to the virtual terminal service, receiving at the wireless device a request from the virtual terminal service to receive payer authorization information from the customer, receiving the payer authorization directly from the customer into the wireless device of the merchant, forwarding the payer authorization from the wireless device to the virtual terminal service, and receiving an approval message from the virtual terminal service at the wireless device of the merchant.