Abstract: A method and system are presented for making a secure payment transaction using a payment card associated with a consumer which has been registered with a digital wallet. A secure server is arranged, in response to a request from a merchant server in relation to the consumer, to extract from the digital wallet payment credentials for the payment card. The secure server uses the payment credentials and the identity of the merchant server to generate a token. The token is provided to the merchant. To effect a payment transaction, the merchant server returns the token to the secure server with details of the desired payment transaction, and the secure server arranges for the payment transaction to occur, and notifies the merchant server. The merchant server does not receive the payment credentials of the payment card during this process, so even if its security is compromised, the payment credentials are not at risk.

Abstract: An augmented reality device and method for product purchase facilitation using an augmented reality device are provided. The device includes a display module configured to provide augmented reality visual content, the augmented reality visual content including a virtual image of a product, a biometric authentication module configured to receive biometric data relating to a user and authenticate the user based on the received biometric data, and a transceiver module configured to receive, from a user device, digital payment credentials for facilitating purchase of the product, and transmit the digital payment credentials to a payment processing module for product purchase upon successful authentication of the user.

Abstract: System for performing a transaction between payer and payee, including a payee client device, a payer client device, and one or more payment processing devices, wherein a payer payment application executed by the payer client device: determines virtual payment card data indicative of a virtual payment card indicative of a payer account; determines encoded virtual payment card data by encoding the virtual payment card data at least in part using an audio encoding scheme; transmits an indication of the encoded virtual payment card data to the payee client device via an audio communications channel; a payee payment application executed by the payee client device: causes decoding of the encoded virtual payment card data to determine decoded virtual payment card data; causes the one or more payment processing devices to selectively perform the transaction using the payer account at least partially in accordance with the decoded virtual payment card data.

Abstract: There is provided a client device, method and system for facilitating a payment from a customer to a merchant. Payment is carried out upon use of voice data for authentication of a user and subsequent transmission of a payment authorization message.

Abstract: A method for vehicle speeding self-detection and payment of an associated fine, the method including: a) in an on-board processing device, determining a speed indication indicative of the speed of the vehicle operated by a user; b) determining a speed limit indication indicative of a speed limit associated with a location of the vehicle with respect to a road network; c) determining if the speed of the vehicle exceeds the speed limit using the speed indication and the speed limit indication; d) in response to determining that the speed limit has been exceeded, determining a payment amount indicative of a discounted fine for exceeding the speed limit; and, e) causing the payment amount to be paid from an account of the user.

Abstract: A method of effecting an electronic transaction is described. The method includes receiving, through a merchant aggregator platform, a selection of one or more articles from a plurality of articles offered for purchase by a plurality of merchants on the merchant aggregator platform, wherein the platform is hosted by a merchant acquirer. Payment vehicle credentials of a payment vehicle are then passed to a payment gateway, and a vehicle representative (VR) is created at the payment gateway and associated with one or more credentials of the payment vehicle, the VR being usable by the merchant aggregator platform, in place of the one or more credentials, but from which the one or more credentials are indeterminable. The VR is then provided to the merchant aggregator platform through which a purchase request is received to confirm that the one or more articles have been purchased.

Abstract: A method is provided for processing an electronic payment.

Abstract: A merchant system for passively closing a patron's pre-authorized tab, with an associated payment token, set up with a computer device in communication with the merchant system, said system including one or more processors in communication with data storage, said processors being configured to execute computer readable instructions stored on said data storage for performing the steps of (a) determining if the pre-authorized tab should be passively closed; (b) if the pre-authorized tab should be passively closed, then performing the steps of (i) generating a total amount spent on goods and/or service ordered by the patron; (ii) sending the total amount spent and the payment token associated with the pre-authorized tab to an online service for authentication so as to pay the merchant; and (iii) closing the pre-authorized tab.

Abstract: A method of associating a customer's mobile computer device with an order for goods and/or services taken by a waiter on a waiter's mobile computer device in a merchant's venue, including the steps of: (a) receiving data representing a customer's order for goods and/or services; (b) generating an order identification code; (c) generating a total amount payable for the goods and/or services ordered; (d) pairing the waiter's device with the customer's mobile computer device, said pairing resulting in generation of a pairing identification code; (e) receiving from the customer's device a device identification code; and (f) generating a transaction identification code based on (i) the order identification code; (ii) the device identification code and/or the pairing identification code; and (iii) the total amount payable; and (g) sending data representing the customer's order and the transaction identification code to a point of sale system to prepare the order.

Abstract: A biometric system for authenticating a biometric request received from a payment terminal, comprising one or more processors in communication with non-transitory data storage having instructions stored thereon which, when executed by the processor or processors, configure the system to perform the steps of: receiving a payment request from the payment terminal, the payment request including cardholder data and a biometric authentication request; retrieving, from data storage, a key associated with the cardholder data; sending, to the payment terminal, message data representing said key; receiving, from the payment terminal, data representing biometric input from a purchaser; retrieving, from data storage, a reference biometric template associated with the key; comparing said data representing biometric input from the purchaser with the reference biometric template associated with the key; responsive to a determination that said data representing biometric input from the purchaser matches with the reference b

Abstract: There is provided a system and method for utilizing secondary user biometric data for user authorization. Generally, in addition to the utilisation of primary user biometric data, the secondary user biometric data is also used to ensure that an additional level of authentication is carried out.

Abstract: An augmented reality device and method for product purchase facilitation using an augmented reality device are provided. The device includes a display module configured to provide augmented reality visual content, the augmented reality visual content including a virtual image of a product, a biometric authentication module configured to receive biometric data relating to a user and authenticate the user based on the received biometric data, and a transceiver module configured to receive, from a user device, digital payment credentials for facilitating purchase of the product, and transmit the digital payment credentials to a payment processing module for product purchase upon successful authentication of the user.

Abstract: A system and a method for administering a user account are provided. The system includes at least one processor, and at least one memory including computer program code. The at least one memory and the computer program code are configured to, with the at least one processor, cause the system at least to receive from a device, a user account identifier, receive from a merchant device, a credit request including a merchant identifier and a credit amount, determine based on the user account identifier, at least one digital wallet associated with the user account identifier, and determine an amount of points to be credited to the user account associated with the at least one digital wallet, the user account being determined according to the user account identifier and the merchant identifier, and the amount of points being determined in response to the credit amount.

Abstract: A system and a method for controlling access to a rental object are disclosed. The system includes a processor and a memory unit coupled to the processor. The rental object is connected to a network. The memory unit is configured to store data received from a customer device. The data includes a code associated with the rental object and a payment request message responsive to the code. The processor is configured to process the payment request message and simultaneously instruct a merchant device, via the network, to enable the rental object for use by the customer.

Abstract: System for performing a transaction between payer and payee, including a payee client device, a payer client device, and one or more payment processing devices, wherein a payer payment application executed by the payer client device: determines virtual payment card data indicative of a virtual payment card indicative of a payer account; determines encoded virtual payment card data by encoding the virtual payment card data at least in part using an audio encoding scheme; transmits an indication of the encoded virtual payment card data to the payee client device via an audio communications channel; a payee payment application executed by the payee client device: causes decoding of the encoded virtual payment card data to determine decoded virtual payment card data; causes the one or more payment processing devices to selectively perform the transaction using the payer account at least partially in accordance with the decoded virtual payment card data.

Abstract: Disclosed herein is an autonomous system for autonomous purchase of a purchase order. The autonomous system comprises at least one processor and a memory comprising at least one non-transitory memory device. The memory stores a digital wallet comprising at least one payment vehicle for use in purchasing the purchase order. The memory also comprises instructions that, when executed by the processor, cause the autonomous system to determine if the purchase order satisfies a set of purchase characteristics, decide to execute purchase of the purchase order upon fulfillment of a set of conditions for purchase and connect to a merchant terminal of at least one merchant through whom the purchase order can be fulfilled. The instructions further cause the processor to connect the digital wallet to a payment system through which payment for the purchase order can be made and purchasing the purchase order via the payment system using one or more payment vehicles of the at least one payment vehicle.

Abstract: An apparatus for enabling a figurine for effecting a transaction is provided. The apparatus includes at least one processor, and at least one memory including computer program code. The at least one memory and the computer program code is configured to, with the at least one processor, cause the apparatus at least to receive a figurine identifier identifying the figurine, receive account information relating to an account to be linked to the figurine, retrieve authentication information corresponding to the account based on the account information, link the figurine to the account by associating the figurine identifier with the authentication information.

Abstract: According to a first aspect, there is provided an advertising campaign analyser comprising: at least one processor; and at least one memory including computer program code; an input port coupled to the processor; the at least one memory and the computer program code configured to, with the at least one processor, cause the analyser at least to: receive, through the input port, advertising campaign data extracted from a response to advertising material belonging to an online advertising campaign, the advertising campaign data comprising at least one recipient account to which the advertising material is delivered; receive, through the input port, payment data generated from purchases made at a merchant participating in the online advertising campaign; analyse the received advertising campaign data and the received payment data to identify data fields from the received payment data that establishes a correlation to the at least one recipient account from the received advertising campaign data; generate statisti

Abstract: There is provided a client device, method and system for facilitating a payment from a customer to a merchant. Payment is carried out upon use of voice data for authentication of a user and subsequent transmission of a payment authorization message.

Abstract: An augmented reality device and method for product purchase facilitation using an augmented reality device are provided. The device includes a display module configured to provide augmented reality visual content, the augmented reality visual content including a virtual image of a product, a biometric authentication module configured to receive biometric data relating to a user and authenticate the user based on the received biometric data, and a transceiver module configured to receive, from a user device, digital payment credentials for facilitating purchase of the product, and transmit the digital payment credentials to a payment processing module for product purchase upon successful authentication of the user.