Abstract: Systems and methods for handling tokens. In one aspect, a token is intercepted by a data processor and a contact is made with a detokenization provider by the data processor. In another aspect, token service is aggregated. In another aspect, tokenization is extended to physical cards, to deter certain kinds of fraud.

Abstract: Systems and methods for handling tokens. In one aspect, a token is intercepted by a data processor and a contact is made with a detokenization provider by the data processor. In another aspect, token service is aggregated. In another aspect, tokenization is extended to physical cards, to deter certain kinds of fraud.

Abstract: Devices and systems for performing contactless payments. The devices are configured such that account issuers have increased flexibility, and such that the systems and methods are extensible to encompass new technologies.

Abstract: Embodiments of the invention provide systems and methods for providing trusted service management services. According to one embodiment, a system can include a processor operable to execute computer-executable instructions to: generate a message generated based on a common messaging standard; transmit the message via a common gateway and corresponding interface; receiving, via the common gateway and corresponding interface, a response generated based on the common messaging standard; and process the response based on the common messaging standard.

Abstract: Systems and methods for handling tokens. In one aspect, a token is intercepted by a data processor and a contact is made with a detokenization provider by the data processor. In another aspect, token service is aggregated. In another aspect, tokenization is extended to physical cards, to deter certain kinds of fraud.

Abstract: Devices and systems for performing contactless payments. The devices are configured such that account issuers have increased flexibility, and such that the systems and methods are extensible to encompass new technologies.

Abstract: Embodiments of the invention provide systems and methods for providing trusted service management services. According to one embodiment, a system can include a processor operable to execute computer-executable instructions to: generate a message generated based on a common messaging standard; transmit the message via a common gateway and corresponding interface; receiving, via the common gateway and corresponding interface, a response generated based on the common messaging standard; and process the response based on the common messaging standard.

Abstract: Embodiments of the invention provide systems and methods for providing trusted service management services. According to one embodiment, a system can include at least one service provider gateway operable to receive and transmit messages with multiple service providers; at least one mobile network operator gateway operable to receive and transmit messages with multiple mobile network operators; at least one provisioning gateway operable to transmit mobile device application data with multiple mobile devices and to receive messages from the plurality of mobile devices.

Abstract: Embodiments of the invention provide systems and methods for providing trusted service management services. According to one embodiment, a system can include at least one service provider gateway operable to receive and transmit messages with multiple service providers; at least one mobile network operator gateway operable to receive and transmit messages with multiple mobile network operators; at least one provisioning gateway operable to transmit mobile device application data with multiple mobile devices and to receive messages from the plurality of mobile devices.

Abstract: Embodiments of the invention provide systems and methods for providing trusted service management services. According to one embodiment, a system can include at least one service provider gateway operable to receive and transmit messages with multiple service providers; at least one mobile network operator gateway operable to receive and transmit messages with multiple mobile network operators; at least one provisioning gateway operable to transmit mobile device application data with multiple mobile devices and to receive messages from the plurality of mobile devices.

Abstract: The disclosure relates to systems and methods for facilitating loyalty and reward functionality in mobile commerce. In one embodiment, a method for providing a loyalty/reward program can include receiving an indication that a consumer has entered a predefined merchant location; transmitting a notification to a mobile device associated with the consumer; providing one or more payment tools on a mobile device for the consumer to facilitate a purchase from a merchant associated with the predefined merchant location; generating a loyalty/reward credit for an account associated with the consumer; and receiving an instruction from the consumer to redeem loyalty/reward credit for goods and/or service from the merchant.

Abstract: A mobile wallet and network system using onetime passwords for authentication is disclosed according to one embodiment of the invention. A onetime password may be generated at a mobile wallet server and transmitted to the mobile device. The onetime password may then be used to authenticate the user of the mobile wallet when completing a transaction. Authentication may require entry of the onetime password and confirmation that the onetime password entered matches the onetime password sent by the mobile wallet server. In other embodiments of the invention, a mobile wallet and a mobile wallet server are in sync and each generate the same onetime password at the same time. These onetime passwords may then be used to authenticate the user of the mobile wallet.

Abstract: A financial transaction card is provided according to various embodiments described herein. The financial transaction card includes a card body with at least a front surface and a back surface. The financial transaction card may also include a near field communications transponder and/or a magnetic stripe, as well as a digital display configured to display alphanumeric characters on the front surface of the card body. The financial transaction card may also include a processor that is communicatively coupled with the near field communications transponder or magnetic stripe and the digital display. The processor may be configured to calculate one-time passwords and communicate the one-time passwords to both the near filed communications transponder or magnetic stripe and the digital display.

Abstract: Embodiments of the invention provide systems and methods for providing trusted service management services. According to one embodiment, a system can include at least one service provider gateway operable to receive and transmit messages with multiple service providers; at least one mobile network operator gateway operable to receive and transmit messages with multiple mobile network operators; at least one provisioning gateway operable to transmit mobile device application data with multiple mobile devices and to receive messages from the plurality of mobile devices.

Abstract: A financial transaction card is provided according to various embodiments described herein. The financial transaction card includes a card body with at least a front surface and a back surface. The financial transaction card may also include a near field communications transponder and/or a magnetic stripe, as well as a digital display configured to display alphanumeric characters on the front surface of the card body. The financial transaction card may also include a processor that is communicatively coupled with the near field communications transponder or magnetic stripe and the digital display. The processor may be configured to calculate one-time passwords and communicate the one-time passwords to both the near filed communications transponder or magnetic stripe and the digital display.

Abstract: A mobile wallet and network system using onetime passwords for authentication is disclosed according to one embodiment of the invention. A onetime password may be generated at a mobile wallet server and transmitted to the mobile device. The onetime password may then be used to authenticate the user of the mobile wallet when completing a transaction. Authentication may require entry of the onetime password and confirmation that the onetime password entered matches the onetime password sent by the mobile wallet server. In other embodiments of the invention, a mobile wallet and a mobile wallet server are in sync and each generate the same onetime password at the same time. These onetime passwords may then be used to authenticate the user of the mobile wallet.