Abstract: A method is provided for performing a transaction. The method includes, in an offline mode, payee and payer devices communicating to determine transaction details including a transaction amount. A payer payment application generates a transaction request including request transaction details, stores the transaction request, and updates a payer available funds amount at least partially in accordance with the transaction amount. A payee payment application generates a transaction confirmation including confirmation transaction details, stores the transaction confirmation, and updates a payee available funds amount at least partially in accordance with the transaction amount.

Abstract: A computer-implemented method and a system for loading reloadable cards, the computer-implemented method including: receiving, from an automated teller machine (ATM), a loading transaction request, the loading transaction request including a reloadable card identifier associated with a reloadable card, a funding card identifier associated with a funding card, and loading amount information; executing a funding card authorisation process; executing a reloadable card crediting process; and sending loading transaction approval to the ATM.

Abstract: A method using an automated teller machine of processing a transaction is provided. The method includes receiving inputs indicating an account identifier and a unique personal identifier of a customer, sensing biometric data of the customer using a biometric sensor, receiving a transaction indication indicating a transaction, and generating a transaction authorization request. The transaction authorization request includes the account identifier, the unique personal identifier of the customer, the biometric data of the customer, and the transaction indication.

Abstract: A device for processing electronic payments for the purchase of goods or services is provided. The device includes one or more computer processors in communication with non-transitory computer readable data storage and a display. The data storage includes instructions stored thereon that, when executed by the one or more processors, cause the device to execute a transaction process including receiving purchase data representing one or more goods or services to be purchased, receiving user input to effect a payment transaction, determining a total transaction amount from the purchase data, reading payment credentials from a purchaser's payment device, sending a payment request, receiving data representing a received one time password (OTP), sending the received OTP to the third party authorization server for authentication against a OTP sent by the third party authorization server to a mobile device, and receiving data representing successful authentication from the third party authorization server.

Abstract: A computer-implemented method and a system for loading reloadable cards, the computer-implemented method including: receiving, from an automated teller machine (ATM), a loading transaction request, the loading transaction request including a reloadable card identifier associated with a reloadable card, a funding card identifier associated with a funding card, and loading amount information; executing a funding card authorisation process; executing a reloadable card crediting process; and sending loading transaction approval to the ATM.

Abstract: A method for monitoring customer transactions is provided, the method including, in at least one payment processing device, receiving transaction data indicative a transaction between a customer and a merchant, the transaction being performed in respect of a respective customer account, determining an identifier associated with the transaction using mapping data indicative of associations between identifiers and customer accounts, determining a plurality of transactions associated with the identifier, analyzing the plurality of transactions to determine if the plurality of transactions meet one or more transaction criteria, selectively generating a notification if the plurality of transactions meet the one or more transaction criteria and providing the notification to at least one of the merchant and a customer.

Abstract: A device for processing electronic payments for the purchase of goods or services is provided. The device includes one or more computer processors in communication with non-transitory computer readable data storage and a display. The data storage includes instructions stored thereon that, when executed by the one or more processors, cause the device to execute a transaction process including receiving purchase data representing one or more goods or services to be purchased, receiving user input to effect a payment transaction, determining a total transaction amount from the purchase data, reading payment credentials from a purchaser's payment device, sending a payment request, receiving data representing a received one time password (OTP), sending the received OTP to the third party authorization server for authentication against a OTP sent by the third party authorization server to a mobile device, and receiving data representing successful authentication from the third party authorization server.

Abstract: There is provided, for a customer, a convenient way of remotely determining whether an ATM is available for a desired withdrawal before physically travelling to the location of the ATM. This convenience is enabled by a polling mechanism to determine parameters of various ATMs. This capability can therefore avoid the potential inconvenience of a customer wasting time and effort going to an ATM only to discover that the ATM is inoperative or is not loaded with sufficient cash or not having desired denominations of currency.

Abstract: A computer-implemented method and a system for loading reloadable cards, the computer-implemented method including: receiving, from an automated teller machine (ATM), a loading transaction request, the loading transaction request including a reloadable card identifier associated with a reloadable card, a funding card identifier associated with a funding card, and loading amount information; executing a funding card authorisation process; executing a reloadable card crediting process; and sending loading transaction approval to the ATM.

Abstract: A method for monitoring customer transactions is provided, the method including, in at least one payment processing device, receiving transaction data indicative a transaction between a customer and a merchant, the transaction being performed in respect of a respective customer account, determining an identifier associated with the transaction using mapping data indicative of associations between identifiers and customer accounts, determining a plurality of transactions associated with the identifier, analyzing the plurality of transactions to determine if the plurality of transactions meet one or more transaction criteria, selectively generating a notification if the plurality of transactions meet the one or more transaction criteria and providing the notification to at least one of the merchant and a customer.

Abstract: A method is provided for performing a transaction. The method includes, in an offline mode, payee and payer devices communicating to determine transaction details including a transaction amount. A payer payment application generates a transaction request including request transaction details, stores the transaction request, and updates a payer available funds amount at least partially in accordance with the transaction amount. A payee payment application generates a transaction confirmation including confirmation transaction details, stores the transaction confirmation, and updates a payee available funds amount at least partially in accordance with the transaction amount.

Abstract: A device for processing electronic payments for the purchase of goods or services is provided. The device includes one or more computer processors in communication with non-transitory computer readable data storage and a display. The data storage includes instructions stored thereon that, when executed by the one or more processors, cause the device to execute a transaction process including receiving purchase data representing one or more goods or services to be purchased, receiving user input to effect a payment transaction, determining a total transaction amount from the purchase data, reading payment credentials from a purchaser's payment device, sending a payment request, receiving data representing a received one time password (OTP), sending the received OTP to the third party authorization server for authentication against a OTP sent by the third party authorization server to a mobile device, and receiving data representing successful authentication from the third party authorization server.

Abstract: Disclosed is a computer network for controlling permission for making transactions over a wireless network. The computer system comprises a database, a merchant terminal and an available base station. The database is associated with a processor, and the merchant terminal and available base station each comprise at least one processor and at least one memory including computer program code. The computer program code of the merchant terminal and the available base station collectively configure the computer network to, with the respective at least one processor, register, in the database a terminal identifier (terminal ID) of the merchant terminal; and, in association with the terminal ID, and a permitted base station identifier (permitted station ID) for each of one or more permitted base stations through which the merchant terminal may make transactions.

Abstract: A method using an automated teller machine of processing a transaction is provided. The method includes receiving inputs indicating an account identifier and a unique personal identifier of a customer, sensing biometric data of the customer using a biometric sensor, receiving a transaction indication indicating a transaction, and generating a transaction authorization request. The transaction authorization request includes the account identifier, the unique personal identifier of the customer, the biometric data of the customer, and the transaction indication.

Abstract: According to a first aspect, there is provided a method of providing merchant approved acceptance mark location information, the method comprising: receiving, from a mobile device, a request to determine acceptance marks approved by merchants located within a requested area; querying a database according to the request, the database storing records providing merchant names, corresponding merchant locations and corresponding acceptance marks approved by the merchants, the query identifying merchants located within the requested area, and their corresponding approved acceptance marks; and responding, to the mobile device, with locations of the identified merchants and their corresponding approved acceptance marks.

Abstract: There is provided a method of initiating a transaction using a transaction system having at least one transaction terminal, and also a transaction system for initiating a transaction via a transaction terminal. The transaction can be initiated without requiring an account card.

Abstract: A method of swapping card accounts used in a financial transaction comprises generating an authorisation code in response to receipt of a request for card accounts to be swapped, the request comprising data indicative of a transacting card account used to fund the financial transaction, transmitting the authorisation code, receiving data indicative of a supplied card account used to initiate the financial transaction along with the authorisation code, the supplied card account serving as a placeholder for the transacting card account, swapping the data indicative of the supplied card account with data indicative of the transacting card account, in response to receipt of the received data and transmitting the data indicative of the transacting card account to effect the transfer of funds at the transacting card account.