Abstract: A method for remote authentication aided by an audio signal includes: storing, in a memory of a computing device, at least first authentication data; receiving, by a first input device of the computing device, an audio signal electronically transmitted by a separate computing system; decoding, by a decoding module of the computing device, the received audio signal to identify a server identification value; receiving, by a second input device of the computing device, second authentication data submitted by a user of the computing device; authenticating, by an authentication module of the computing device, the received second authentication data based on the stored first authentication data; and electronically transmitting, by a transmitting device of the computing device, a result of the authentication and a profile identifier to an external processing server based on the server identification value.

Abstract: According to one embodiment of the present disclosure, there is provided a method for receiving an electronic receipt of an electronic payment transaction into a mobile device, the method comprising: storing, into an installed application in the mobile device used to perform the electronic payment transaction, a unique transaction identity issued on the electronic payment transaction; generating, in a server, an electronic receipt issued on the electronic payment transaction; verifying that the electronic receipt matches against the unique transaction identity stored in the installed application; and receiving the electronic receipt into the mobile device in response to the verifying step determining that the electronic receipt matches against the unique transaction identity stored in the installed application.

Abstract: A system and a method for determining a profile of a consumer are disclosed. The system includes a processor and a memory unit coupled to the processor. The memory unit is configured to store the consumer's payment card usage data. The processor is configured to obtain a credit score specific to the consumer and calculate a payment card index specific to the consumer based on the consumer's payment card usage data stored in the memory unit. The payment card index may comprise a weighted sum of factors representative of the consumer's payment card usage. The processor is also configured to multiply the credit score by the payment card index to obtain a collective score representative of the profile of the consumer.

Abstract: Disclosed herein is a system for managing item delivery. The system includes an order management system comprising an order terminal for receiving an order, a transmitter for receiving the order from the order terminal and sending the order to one or more product providers, a verification terminal by which a recipient can verify completion of delivery of items associated with the order, and a scheduler. The scheduler schedules a robot to be available at an interchange to receive the one or more items, and the order management system provides a delivery destination to the robot by which, or so that, the robot can autonomously navigate to the destination.

Abstract: A system for facilitating a payment using a client application executed by a client device, the system including one or more processing devices in communication with the client device via a communications network, wherein the one or more processing devices execute processing device software that cause the one or more processing devices to communicate with the client application to establish a transaction session having a session access token and a session key, receive requests from the client application, at least some of the requests including the access token a payload encrypted at least in part using the session key, decrypt the payload at least in part using the session key, process the requests at least in part using the access token and in accordance the decrypted payload, to thereby allow at least one action to be performed, the at least one action forming part of a payment process and provide any required response to the client application.

Abstract: A method for currency exchange, comprising: providing, by an account management module, an account each for first and second entities, each account comprising a plurality of sub-accounts for a different currency; broadcasting a currency exchange rate between a first currency and second currency; receiving, at a transaction management module in communication with the account management module, a request from the second entity for an amount of the first currency in exchange for the second currency at the broadcasted rate; determining, by the transaction management module, an equivalent amount of the second currency at the broadcasted rate; debiting the determined amount of the second currency from the second entity, and crediting said amount to the first entity, by the account management module; and debiting the requested amount of the first currency from first entity and crediting said amount to the second entity, by the account management module.

Abstract: An inventory management server is provided. The inventory management server includes at least one processor, and at least one memory. The at least one memory includes computer program code configured to cause the inventory management server at least to receive tracking data assigned to a product from a payment network, interrogate a mapping table containing assigned product to tracking data information, for the presence of the received tracking data, update an inventory database of the product stocked at the merchant inventory in response to detection of the presence of the received tracking data, and transmit acknowledgement data indicative of the inventory database update. The tracking data is transmitted by a merchant via a payment terminal in communication with the payment network.

Abstract: A method for managing programs associated with multiple entities on a payment card includes: storing lease profiles, each lease profile including a lease identifier, managing identifier, transaction account numbers, and one or more tenant identifiers; receiving a management request, the management request including a specific lease identifier, specific managing identifier, and requesting tenant identifier; identifying a specific lease profile that includes the specific lease identifier; verifying that the specific managing identifier corresponds to the managing identifier included in the specific lease profile; inserting the requesting tenant identifier into the specific lease profile; receiving a program request, the request including the specific lease identifier, the requesting tenant identifier, and program data; and transmitting the program data to a payment card corresponding to one of the transaction account numbers included in the specific lease profile.

Abstract: A method for conducting an offline, commodity-based transaction includes: storing program data for benefit programs, wherein the program data includes a program identifier and plurality of commodity pairs for the respective program, each commodity pair including a commodity code and balance; receiving a data request from a point of sale device, the request including a specific program identifier; identifying program data the specific program identifier; transmitting the identified program data to the point of sale device; receiving transaction data from the point of sale device, the transaction data including purchased commodity pairs, each purchased commodity pair including a commodity code and purchased amount; and updating the program data for the benefit program that corresponds to the specific program identifier by deducting the balance included in each commodity pair corresponding to a purchased commodity pair based on the respective commodity codes by the associated purchased amount.

Abstract: A method for communicating product data corresponding to a product is provided. The method includes receiving a data package including a visual representation of at least part of the product and signal data using a receiver module, the signal data including an identifier of the product. The method also includes extracting the signal data from the data package using a decoder module in response to a command to display the visual representation. The method further includes retrieving, using a processor module, the product data from a memory module in response to the identifier in the extracted signal data, the memory module having stored therein the identifier in association with the product data. The method also includes communicating the product data using an output module during display of the visual representation.

Abstract: There is provided a data processor implemented method for dynamic authentication of an object. There is also provided non-transitory computer readable storage mediums and systems for carrying out dynamic authentication of an object.

Abstract: A transaction system for performing transactions with multiple balances within a single transaction. The transaction system comprises a payment device programmed to record multiple balances and a terminal programmed to interact with the payment device in order to complete a transaction by debiting multiple balances of the payment device within a single transaction. A method of transacting with a transaction device, a payment device and a method of providing commodities to a payment device user are also provided.

Abstract: A method of providing instructions to a payment device, wherein instructions are generated without requiring data from the payment device, the method comprising: delivering instructions that are part of an ordered sequence of instructions to a payment device; and identifying instructions that should be applied out of sequence without preventing the delivery of subsequent instructions in a sequence. A method of receiving instructions at a payment device and a payment device are also provided.

Abstract: A method for managing payment transactions between a merchant and a payment-service-provider (PSP) using a payment management device in communication with a memory device. Each payment transaction is initiated by a consumer using a payment card. It involves (a) sending, to a PSP device associated with the PSP, a request for an authorization for a payment transaction; (b) receiving, from the PSP device, authorization for the payment transaction; (c) saving, in the memory device, data relating to the consumer and the payment transaction on a condition that the authorization for the payment transaction is received from the PSP device; (d) repeating steps (a), (b) and (c) for each of the plurality of payment transactions for a pre-determined period of time; and (e) aggregating the plurality of payment transactions into an aggregated payment transaction based on the data relating to the consumer and each of the plurality of payment transactions.

Abstract: System and method for facilitating user identification of a product. The system includes: a receiver unit configured to receive a signal; a memory module in communication with the receiver unit, the memory module having stored thereon product data that is stored in association with a transmittable product identity, wherein the receiver unit is further configured to (i) convert the received signal into its corresponding transmittable product identity and (ii) retrieve the product data from the memory module based on a comparison between the stored transmittable product identity and the converted transmittable product identity; and an output unit configured to output the retrieved product data to a user for facilitating user identification of the product.

Abstract: A method of transaction between a mobile payment device and a vending machine is described, together with a system and elements of a system supporting such a method of transaction. The method comprises establishing wireless contact between the mobile payment device and the vending machine. Vending machine transaction details are established between the mobile payment device and the vending machine. These vending machine transaction details are sent to a vending platform associated with a payment infrastructure where the vending machine transaction is authorised. The vending platform then provides an authorisation token for the vending machine transaction, allowing the vending machine to enable vending when the authorisation token has been received.

Abstract: A method for computer-aided validation of a card design is disclosed, the method comprising the steps of detecting a plurality of design elements related to a card design via an image recognition device and encoding the design elements into data elements; comparing the data elements against design requirement encoded as design requirement data; validating the card design by determining if each of the data elements are compliant with the design requirement; wherein the comparison of the data elements and the validation of the card design is performed at a processor; and providing a result of the validation via a user interface.

Abstract: The present invention relates generally to cashless payment systems and, in particular, to an electronic payment system suitable for peer-to-peer payments. A transaction system comprising: a network connected device for receiving and communicating transaction data, the transaction data comprising data associated with payer account details, payee account details and a transaction value; and a payment server for receiving the transaction data from the network connected device, for facilitating a debit transaction to a first entity defined by the payer account details, and a credit transaction to a second entity defined by the payee account details, whereby the first entity debits a first account defined by the payer account details and the second entity credits a second account defined by the payee account details.

Abstract: Various embodiments provide a transaction method comprising determining, by a server, if a transaction device is registered to a service, the transaction device being one of a plurality of transaction devices selectable to initiate a transaction, the plurality of transaction devices being associated with at least one transaction credential; determining, by the server, if the transaction device is selected to initiate the transaction based on the determination if the transaction device is registered to the service; and processing, by the server, the transaction using the associated at least one transaction credential if the transaction device is determined to be selected to initiate the transaction.

Abstract: A method for conducting a transaction between a merchant and a customer, a merchant device, and a computer storage medium for instructing a computing device to execute a method for conducting a transaction between a merchant and a customer are disclosed. The method includes establishing a secure wireless connection between a merchant device and a customer device, real-time synchronizing, via the secure connection, a shopping cart of the customer between the merchant and the customer devices, determining, via the secure connection, at least one payment option for checking out the shopping cart, and processing, at a transaction processing device, the payment based on a selected payment option out of the at least one payment option.