Abstract: The present disclosure relates to a computer-implemented method for operating a server computer, a user computer and a system to authenticate a user. At a server computer a symbol arrangement and a series of authentication instructions comprising human intelligible text and computer-executable code are generated, the computer-executable code is executed in order to obtain a non-ambiguous instruction series result and the symbol arrangement and the human intelligible text representing the series of instructions are transmitted to a user computer. At the user computer, the symbol arrangement and the human intelligible text are displayed, a user input is received and the user input is transmitted to the user computer. At the server computer, the received user input is compared with the instruction series result and the user is authenticated if the received user input corresponds to the instruction series result.

Abstract: Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction.

Abstract: Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction.

Abstract: A method for awarding time-based incremental rewards for a payment transaction includes: storing a reward rule, wherein the reward rule includes at least a base amount, an increase amount, and a predetermined period of time; storing a first transaction data entry, wherein the first transaction data entry includes data related to a completed transaction including at least a transaction time and/or date; receiving, by a receiving device, transaction data for a payment transaction, wherein the transaction data includes at least a time and/or date; and identifying, by a processing device, a reward amount for the payment transaction if the time and/or date included in the received transaction data is within the predetermined period of time of the transaction time and/or date included in the first transaction data entry, wherein the reward amount is based on at least the base amount and increase amount included in the reward rule.

Abstract: The present disclosure relates to a computer-implemented method for operating a server computer, a user computer and a system to authenticate a user. At a server computer a symbol arrangement and a series of authentication instructions comprising human intelligible text and computer-executable code are generated, the computer-executable code is executed in order to obtain a non-ambiguous instruction series result and the symbol arrangement and the human intelligible text representing the series of instructions are transmitted to a user computer. At the user computer, the symbol arrangement and the human intelligible text are displayed, a user input is received and the user input is transmitted to the user computer. At the server computer, the received user input is compared with the instruction series result and the user is authenticated if the received user input corresponds to the instruction series result.

Abstract: Methods and systems for receiving an authorization request associated with a transaction, the authorization request including an account code; receiving a user code to associate with the account code; associating the account code and the user code together to form a payment account code; determining an account identifier corresponding to the payment account code; determining whether to map the payment account code to a primary account number (PAN); mapping, in response to the determination that the payment account code is to be mapped to the PAN, the payment account code to the PAN to ascertain a PAN corresponding to the payment account code; and sending the authorization request including the PAN to be authorized.

Abstract: Systems and methods for processing payment transactions involving reward accounts are disclosed. One exemplary method includes receiving an authorization request for a payment transaction involving a reward account. The authorization request includes at least a transaction amount. The method also includes determining, based on the reward preference, whether the payment transaction is eligible for a reward rebate and transmitting a request for the reward rebate when the payment transaction is eligible.