Abstract: Systems and methods are provided for use in implementing a common domain to provide recognition of users. One example computer-implemented method includes receiving a recognition token associated with a profile and setting, via a browser accessing a common domain, a cookie in the browser where the cookie includes a recognition token. The method also includes, in response to a request for a service, via a user, through the browser accessing an entity domain associated with an entity, accessing the common domain and accessing, via the browser accessing the common domain, the cookie and submitting the cookie to a common domain server. The method further includes receiving, from the common domain server, a federated ID token associated with the recognition token for the service and retrieving, via the browser, the profile associated with the user based on the federated ID token.

Abstract: Examples provide consumer identity validation (CIV) via last used payment card, improving management of payment infrastructure resources. Examples enable the consumer to more efficiently complete CIV via at least one of a last used account or a last used card. By not requiring consumers to repeatedly go through the entire CIV process at each transaction at the same merchant when using the exact same card they used on a previous visit, excessive and unnecessary strain on the infrastructure is reduced, preventing degradation of the infrastructure. This enables allocating fewer computing resources to CIV, making deployments utilizing low-power or otherwise constrained equipment simpler and easier to maintain. Thus, scaling is enhanced. Individual CIV performance is more efficient, and less computing resources and energy are required across the entire infrastructure.

Abstract: Systems and methods are provided for use in implementing a common domain to provide recognition of users. One example computer-implemented method includes receiving a recognition token associated with a profile and setting, via a browser accessing a common domain, a cookie in the browser where the cookie includes a recognition token. The method also includes, in response to a request for a service, via a user, through the browser accessing an entity domain associated with an entity, accessing the common domain and accessing, via the browser accessing the common domain, the cookie and submitting the cookie to a common domain server. The method further includes receiving, from the common domain server, a federated ID token associated with the recognition token for the service and retrieving, via the browser, the profile associated with the user based on the federated ID token.

Abstract: According to a first aspect, there is provided a method for enabling a communication link over which transaction data is transmitted between a mobile terminal and a receiving terminal, the method comprising: storing in a memory at the mobile terminal, the receiving terminal and a server administering the communication link, a generated unique identifier, the unique identifier used to facilitate the enablement of the communication link; creating a storage slot at the server administering the communication link, the storage slot being assigned the unique identifier and the storage slot used to store the transaction data; and enabling the communication link in response to the creation of the storage slot, wherein the communication link is utilised by both the mobile terminal and the receiving terminal by referencing the unique identifier to the server.

Abstract: A method for facilitating a transaction with a one-time number includes: receiving a first transaction request, wherein the first transaction request includes a plurality of data elements including at least a first data element configured to store a zero transaction amount and a second data element configured to store a primary account number; parsing the primary account number stored in the second data element included in the received first transaction request; generating a one-time value, wherein the one-time value includes a predetermined number of digits and a subset of the predetermined number of digits is a reference to the processing server; storing a data entry comprised of at least the parsed primary account number and the generated one-time value; and transmitting the generated one-time value in response to the received first transaction request.

Abstract: Disclosed is a method for modifying transaction credentials. The method involves initiating a transaction at a receiving terminal, the transaction being defined by one or more transaction credentials and then transmitting mobile terminal data from a mobile terminal, via the receiving terminal, to a server, the mobile terminal data comprising a set of account data relating to the mobile terminal. Subsequently, the method involves extracting the set of account data at least partially from the mobile terminal data at the server and transmitting the set of account data from the server to an account manager, the set of account data being associated with a unique consumer account managed by the account manager. One or more transaction modifiers associated with the consumer account are then received at the receiving terminal which modifies at least one of the one or more transaction credentials based on the one or more transaction modifiers.

Abstract: A method for contactless conveyance of transactional data includes: displaying, on a display device interfaced with a computing device, a machine-readable code, wherein the machine-readable code is encoded with transaction data; receiving, by a receiver of the computing device, a trigger notification; generating, by the computing device, a contactless data message, wherein the contactless data message is formatted according to one or more standards and includes at least the transaction data formatted according to the one or more standards; and electronically transmitting, by a transmitter of the computing device, the generated contactless data message to a point of sale device using a contactless communication protocol.

Abstract: A method for facilitating a transaction with a one-time number includes: receiving a first transaction request, wherein the first transaction request includes a plurality of data elements including at least a first data element configured to store a zero transaction amount and a second data element configured to store a primary account number; parsing the primary account number stored in the second data element included in the received first transaction request; generating a one-time value, wherein the one-time value includes a predetermined number of digits and a subset of the predetermined number of digits is a reference to the processing server; storing a data entry comprised of at least the parsed primary account number and the generated one-time value; and transmitting the generated one-time value in response to the received first transaction request.

Abstract: A method for facilitating a transaction with a one-time number includes: receiving a first transaction request, wherein the first transaction request includes a plurality of data elements including at least a first data element configured to store a zero transaction amount and a second data element configured to store a primary account number; parsing the primary account number stored in the second data element included in the received first transaction request; generating a one-time value, wherein the one-time value includes a predetermined number of digits and a subset of the predetermined number of digits is a reference to the processing server; storing a data entry comprised of at least the parsed primary account number and the generated one-time value; and transmitting the generated one-time value in response to the received first transaction request.

Abstract: Disclosed is a method for modifying transaction credentials. The method involves initiating a transaction at a receiving terminal, the transaction being defined by one or more transaction credentials and then transmitting mobile terminal data from a mobile terminal, via the receiving terminal, to a server, the mobile terminal data comprising a set of account data relating to the mobile terminal. Subsequently, the method involves extracting the set of account data at least partially from the mobile terminal data at the server and transmitting the set of account data from the server to an account manager, the set of account data being associated with a unique consumer account managed by the account manager. One or more transaction modifiers associated with the consumer account are then received at the receiving terminal which modifies at least one of the one or more transaction credentials based on the one or more transaction modifiers.

Abstract: Disclosed is a method for modifying transaction credentials. The method involves initiating a transaction at a receiving terminal, the transaction being defined by one or more transaction credentials and then transmitting mobile terminal data from a mobile terminal, via the receiving terminal, to a server, the mobile terminal data comprising a set of account data relating to the mobile terminal. Subsequently, the method involves extracting the set of account data at least partially from the mobile terminal data at the server and transmitting the set of account data from the server to an account manager, the set of account data being associated with a unique consumer account managed by the account manager. One or more transaction modifiers associated with the consumer account are then received at the receiving terminal which modifies at least one of the one or more transaction credentials based on the one or more transaction modifiers.

Abstract: A method for contactless conveyance of transactional data includes: displaying, on a display device interfaced with a computing device, a machine-readable code, wherein the machine-readable code is encoded with transaction data; receiving, by a receiver of the computing device, a trigger notification; generating, by the computing device, a contactless data message, wherein the contactless data message is formatted according to one or more standards and includes at least the transaction data formatted according to the one or more standards; and electronically transmitting, by a transmitter of the computing device, the generated contactless data message to a point of sale device using a contactless communication protocol.

Abstract: A method for facilitating a transaction with a one-time number includes: receiving a first transaction request, wherein the first transaction request includes a plurality of data elements including at least a first data element configured to store a zero transaction amount and a second data element configured to store a primary account number; parsing the primary account number stored in the second data element included in the received first transaction request; generating a one-time value, wherein the one-time value includes a predetermined number of digits and a subset of the predetermined number of digits is a reference to the processing server; storing a data entry comprised of at least the parsed primary account number and the generated one-time value; and transmitting the generated one-time value in response to the received first transaction request.

Abstract: A payment interface apparatus configured to facilitate a transaction comprising a request to update redemption points recorded in a customer redemption account, the payment interface apparatus comprising: an input port to receive the request to update redemption points recorded in a customer redemption account and data fields in support of the request; a processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the payment interface apparatus at least to: authenticate the request using a selection of at least the received data fields that are attributable to transaction specific parameters, the transaction specific parameters being data elements unique to the transaction; and effect the update in the redemption points recorded in the customer redemption account in response to successful authentication of the request.

Abstract: According to a first aspect of the present invention, there is provided a method for transmitting an electronic receipt from an intermediary terminal connected to a payment interface and a payment network, the method comprising: receiving, from the payment interface, transaction purchase data of purchases made via the payment interface and details of a payment instrument on which the purchases are made; transmitting, to the payment network, details of the payment instrument; receiving, from the payment network, personal detail data of an account holder of the payment instrument; generating an electronic receipt from the received transaction purchase data and the received personal detail data; and transmitting the electronic receipt to at least one electronic address, the at least one electronic address being determined from the received personal detail data.

Abstract: Disclosed is a method for modifying transaction credentials. The method involves initiating a transaction at a receiving terminal, the transaction being defined by one or more transaction credentials and then transmitting mobile terminal data from a mobile terminal, via the receiving terminal, to a server, the mobile terminal data comprising a set of account data relating to the mobile terminal. Subsequently, the method involves extracting the set of account data at least partially from the mobile terminal data at the server and transmitting the set of account data from the server to an account manager, the set of account data being associated with a unique consumer account managed by the account manager. One or more transaction modifiers associated with the consumer account are then received at the receiving terminal which modifies at least one of the one or more transaction credentials based on the one or more transaction modifiers.

Abstract: According to a first aspect, there is provided a method for standardising communication between a plurality of redemption applications each configured to facilitate redemption of value added services, wherein the plurality of redemption applications are installed in a mobile terminal, and a processing application configured to process the value added services transmitted by the mobile terminal, the processing application being hosted on a receiving terminal, the method comprising: activating a bridging application, installed in the mobile terminal, to establish communication between the plurality of redemption applications installed in the mobile terminal and the processing application hosted on the receiving terminal, the communication facilitating the redemption of the value added services, wherein the bridging application standardises the communication by instituting a set of commands used by the plurality of redemption applications and the processing application to transmit and receive data that facilitat

Abstract: According to a first aspect, there is provided a method for enabling a communication link over which transaction data is transmitted between a mobile terminal and a receiving terminal, the method comprising: storing in a memory at the mobile terminal, the receiving terminal and a server administering the communication link, a generated unique identifier, the unique identifier used to facilitate the enablement of the communication link; creating a storage slot at the server administering the communication link, the storage slot being assigned the unique identifier and the storage slot used to store the transaction data; and enabling the communication link in response to the creation of the storage slot, wherein the communication link is utilised by both the mobile terminal and the receiving terminal by referencing the unique identifier to the server.