Abstract: There is disclosed a method and system for authorizing payment for a transaction between a buyer and a seller. A payment request may be received from a device associated with the seller. An authentication request comprising transaction information may be transmitted to an authentication service. An indication that the buyer has been authenticated may be received from the authentication service. A transaction request may be transmitted after the buyer has been authenticated.

Abstract: There is disclosed a method and system for performing a transaction between a buyer and a seller. A payment request may be received from a first device associated with the seller. An identifier of a second device associated with the buyer may be determined. Data corresponding to the payment request may be transmitted to the second device. The second device may request that the buyer present a payment card to the second device. Payment card data may be received, where the payment card data was read by an NFC interface of the second device communicating with the payment card. After receiving the payment card data, a request may be transmitted to complete the transaction. A notification of the transaction result may be transmitted to the first device.

Abstract: There is disclosed a method and system for authorizing payment for a transaction between a buyer and a seller. A payment request may be received from a device associated with the seller. An authentication request comprising transaction information may be transmitted to an authentication service. An indication that the buyer has been authenticated may be received from the authentication service. A transaction request may be transmitted after the buyer has been authenticated.

Abstract: The methods and systems described herein attempt to provide a card where a consumer can reload the card with additional funds at a point of sale whereby no new or additional hardware is needed, the consumer can have access to the funds immediately, and the consumer does not need to perform any additional steps beyond conducting the transaction at a point of sale.

Abstract: Methods and systems for communicating information from a specially programmed smart point-of-sale terminal involve receiving transaction information at the terminal, recognizing that the transaction relates to a redemption function, adjusting the transaction amount accordingly, and routing an approval request for the adjusted amount to a card issuer processor via a card association transaction processing network. In another aspect, information is received at the terminal which recognizes that the information relates to a third party function and routes a message to the third party processor via a merchant acquirer processor while bypassing the card association transaction processing network. Thereafter, the third party processor performs the third party function and returns a message related at least in part to the performance of the third party function to the smart point-of-sale terminal processor via the merchant acquirer processor.

Abstract: Methods and systems of electronic messaging for verification and/or authentication purposes using a point of sale terminal and a card transaction processing network involve, for example, receiving data consisting at least in part of a consumer's identifier that is processable through a transaction card processing network and a nominal monetary amount which is an indicator that the data relates at least in part to a coupon redemption for a consumer. Other aspects include, for example, using different nominal amounts to distinguish between multiple promotions and processing overcharges. Additional aspects involve, for example, receiving data consisting at least in part of an identifier for a registrant that is processable through a transaction card processing network and a nominal monetary amount which serves at least in part to identify a command message on behalf of the registrant.