Abstract: A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.

Abstract: A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.

Abstract: Systems and methods are provided for authenticating users in connection with transactions. One example computer-implemented method includes, in response to presentment of a payment device in connection with a transaction, identifying, by a point-of-sale (POS) device, the payment device as enabled for facial authentication and retrieving, from the payment device, a reference image. The method also includes capturing, by the POS computing device, via a camera, a facial image of the user presenting the payment device and authenticating the user based on a comparison of the captured facial image of the user to the reference image. The method then includes, in response to successfully authenticating the user: compiling an authorization request for the transaction, appending an authentication indicator to a data element of the authorization request, which indicates that the user was biometrically authenticated, and submitting the authorization request to a payment network.

Abstract: Systems and methods are provided for use in authenticating consumers based on images of the consumers stored in payment cards. One exemplary method includes receiving, at a point-of-sale (POS) device, a transaction request by a consumer to purchase a product and soliciting, by the POS device, a payment device from the consumer for funding the transaction request. The method also includes retrieving, by the POS device, a reference image provisioned to the payment device, capturing, by the POS device, an image of the consumer presenting the payment device, and comparing, by the POS device, the captured image of the consumer to the reference image. The method then further includes submitting an authorization request, in response to the transaction request, when the captured image of the consumer matches the reference image, whereby the consumer is authenticated to the payment device.

Abstract: A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.

Abstract: Methods, apparatus and systems for providing merchant quick response (QR) code services. In an embodiment, a digital enablement services (DES) computer receives a request for a merchant quick-response (QR) code from a merchant acquirer financial institution (FI) computer. The DES computer then determines that the merchant is registered and that the merchant's payment account number data falls within a qualifying bank identification number (BIN) range for tokenization. The DES computer then generates a merchant token by tokenizing the merchant payment account number, transmits merchant identification data and the merchant token to a QR code creator computer, receives a merchant QR code that includes the merchant identification information data and the merchant token, and then transmits the merchant QR code to the merchant acquirer FI computer for provision to the merchant to enable merchant QR code purchase transactions.

Abstract: Systems and methods are provided for use in authenticating consumers based on images of the consumers stored in payment cards. One exemplary method includes receiving, at a point-of-sale (POS) device, a transaction request by a consumer to purchase a product and soliciting, by the POS device, a payment device from the consumer for funding the transaction request. The method also includes retrieving, by the POS device, a reference image provisioned to the payment device, capturing, by the POS device, an image of the consumer presenting the payment device, and comparing, by the POS device, the captured image of the consumer to the reference image. The method then further includes submitting an authorization request, in response to the transaction request, when the captured image of the consumer matches the reference image, whereby the consumer is authenticated to the payment device.

Abstract: A vehicle resource load in a shared-vehicle system 100 is balanced. A central home-station 104 is provided and allocated a number of vehicles 102. A number of day-stations 106 are associated with the central home-station 104 with facilities for docking and reenergizing the vehicles 102. The vehicles 102 are distributed to one or more of the day stations 106 via operation by distribution-users 108 with journeys originating from the central home-station 104 and terminating at the day-stations 106. The vehicles 102 are provided for limited term use by day-users 110 at the day-stations 106 with a requirement that the vehicles 102 be returned to the day-stations 106 by the end of a respective limited term. The vehicles 102 are returned to the central home-station 104 upon expiration of the limited term use via operation by the distribution-users 108 with journeys originating from the day-stations 106 and terminating at the central home-station 104.

Abstract: The invention provides a method for separating fluorocarbons from mixtures of fluorocarbon and hydrogen fluoride. In particular, the invention provides a method for separating fluorocarbons, such as pentafluoropropane, from azeotropic mixtures of the fluorocarbon and hydrogen fluoride using compositional variations with pressure.