Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

Abstract: A method for fraud detection and management may include a fraud detection computer program: receiving data from a plurality of sources, each data associated with a unique identifier; normalizing the data; modeling the normalized data with a trained machine learning data model; extracting features or attributes from the modeled data; generating one or more sets of weights for the features or attributes; identifying a subset of the features or attributes indicative of fraud based on the weights; enriching the subset of the features or attributes; detecting fraud based on the enriched subset of the features or attributes; and notifying one or more subscribing institutions of a fraud event for the detected fraud based on the validated subset of the features or attributes.

Abstract: The W-CONNECTOR (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Abstract: Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a merchant server payment information from a user computer. The merchant server can transmit a verification request to a gateway as well as receive a verification response from the gateway. The merchant server can transmit an authentication request and receive an authentication response. After receiving the authentication response, the merchant server can initiate an authorization process.

Abstract: Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.

Abstract: A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.

Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

Abstract: A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization request message to an issuer for approval, the authorization request message including a request to charge a predetermined amount of money to pay for access to a location, and entering the location if the gate access device receives an authorization response message indicating that the charge is authorized.

Abstract: A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.

Abstract: The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.

Abstract: The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS (“SNAP”) transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.

Abstract: Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.

Abstract: The W-CONNECTOR (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Abstract: A method for real time negotiation among parties to a transaction may include (1) a computer application executed by a computer processor on a mobile electronic device receiving, from a merchant computer processor at a merchant computer system, an offer to conduct a transaction using a first payment mechanism accepted by the merchant, the offer comprising a first consumer benefit; (2) comparing the first benefit to at least one consumer benefit preference; (3) automatically presenting a second payment mechanism associated with a second consumer benefit or a modification to the first consumer benefit; and (4) agreeing on an agreed payment mechanism and an agreed consumer benefit, wherein the agreed payment mechanism is the first payment mechanism or the second payment mechanism, and the agreed consumer benefit is the first consumer benefit, the second consumer benefit, or the modification to the first consumer benefit.

Abstract: The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

Abstract: The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS (“SNAP”) transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.

Abstract: The SECURE ANONYMOUS TRANSACTION APPARATUSES, METHODS AND SYSTEMS (“SAT”) transform hardware-verified user authentication requests via SAT components into secure transaction notifications. In one implementation, the SAT obtains a secure anonymous transaction user authentication request. The SAT verifies the authenticity of a user, using the secure anonymous transaction user authentication request. The SAT obtains an authenticated purchase order, in response to which it generates a one-time anonymous card account. Using the one-time card account, the SAT generates an anonymized purchase order for a merchant, and provides the anonymized purchase order. On obtaining a purchase notification for the anonymized purchase order, the SAT provides a real-time notification for a user of the purchase notification.

Abstract: Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.

Abstract: Systems and methods for generating a dynamic verification value for electronic payment transactions are disclosed. A user of a portable consumer device enrolls the account identifier associated with the portable consumer device and specifies one or more customized linkage rules that identify one or more user communication devices and user identifiers that should be used to submit an authentication request message to an entity that generates a dynamic verification value. A server computer that receives an authentication request message determines whether the authentication request message complies with the specified customized linkage rules and generates a dynamic verification value.

Abstract: One embodiment of the invention is directed to a system comprising a server and a consumer device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive an authorization request message for a transaction conducted by a consumer with a merchant, send the authorization request message to an issuer, modify an authorization response message to include receipt preference data, and send the authorization response message comprising the receipt data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data.