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: Some embodiments may provide systems, methods and computer program code to facilitate a secure remote transaction and may include detecting an event identifying initiation of a checkout process involving a transaction between a consumer and a merchant, identifying a secure remote commerce system to use in facilitating the transaction, the secure remote commerce system storing a consumer profile including information identifying at least a first payment card of the consumer. In some embodiments, a checkout user interface displayed to the consumer is modified based on information from the consumer profile to display information associated with the at least one payment card. A checkout request from the consumer and a payload is obtained from the secure remote commerce system including information identifying the at least first payment card, the merchant and transaction details. The payload is used to complete a transaction authorization request with a payment network.

Abstract: A method for facilitating payment using instant messaging application is provided. The method includes establishing, in the instant messaging application, an order with a merchant, the order including an order value, receiving from the instant messaging application, confirmation that payment of the order value should be made using a digital wallet, and sending confirmation of payment from the digital wallet to the merchant after payment of the order value has been made.

Abstract: Some embodiments may provide systems, methods and computer program code to facilitate a secure remote transaction and may include detecting an event identifying initiation of a checkout process involving a transaction between a consumer and a merchant, identifying a secure remote commerce system to use in facilitating the transaction, the secure remote commerce system storing a consumer profile including information identifying at least a first payment card of the consumer. In some embodiments, a checkout user interface displayed to the consumer is modified based on information from the consumer profile to display information associated with the at least one payment card. A checkout request from the consumer and a payload is obtained from the secure remote commerce system including information identifying the at least first payment card, the merchant and transaction details. The payload is used to complete a transaction authorization request with a payment network.

Abstract: An Internet of Things (IoT) system, the system including: (a) an IoT platform in communication with a device via a communications network; and, (b) a payment service provider, wherein, in use: (i) the IoT platform: (1) receives a transaction message from the device, the transaction message being indicative of: (a) a device identifier; and, (b) transaction details indicative of a transaction to be performed; (2) uses the device identifier to retrieve transaction data indicative of: (a) a user identifier; and, (b) transaction rules; (3) generates a payment request using the transaction details and transaction rules, the payment request being indicative of: (a) the user identifier; (b) a merchant identifier; and, (c) transaction information at least partially based on the transaction details; and, (4) provides the payment request to the payment service provider; and, (ii) the payment service provider: (1) receives the payment request; (2) determines a user account at least in part using the user identifier, the

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: A communication station is suitable for contactless communication with transponders and with further communication stations and has a first protocol-executing circuit and a second protocol-executing circuit, the first protocol-executing circuit being designed to effect communication between the communication station and transponders under a station/transponder protocol and the second protocol-executing circuit being designed to effect communication between the communication station and further communication stations under a station/station protocol.

Abstract: A communication station is suitable for contactless communication with transponders and with further communication stations and has a first protocol-executing circuit and a second protocol-executing circuit, the first protocol-executing circuit being designed to effect communication between the communication station and transponders under a station/transponder protocol and the second protocol-executing circuit being designed to effect communication between the communication station and further communication stations under a station/station protocol.

Abstract: A communication station (1) is suitable for contactless communication with transponders and with further communication stations and has a first protocol-executing circuit (12) and a second protocol-executing circuit (13), the first protocol-executing circuit (12) being designed to effect communication between the communication station (1) and transponders under a station/transponder protocol and the second protocol-executing circuit (13) being designed to effect communication between the communication station (1) and further communication stations under a station/station protocol.

Abstract: In a circuit (2, 3) for processing at least one output signal (C1, C2, C3) of a communication stage, which at least one output signal (C1, C2, C3) of a communication stage can be generated by means of a communication stage, there are provided signal-mixing means (5), which signal-mixing means (5) are arranged to receive at least two output signals (C1, C2, C3) of communication stages and to mix the at least two output signals (C1, C2, C3) of communication stages and to transmit a collision signal representing the result of the mixing of the at least two output signals (C1, C2, C3) of communication stages, which collision signal represents a simultaneous occurrence of at least two output signals (C1, C2, C3) of communication stages in an electromagnetic field.

Abstract: When activating a desired communication mode of an ID communication partner device (2) from a group of possible communication modes, which group comprises at least a TTF mode and an RTF mode, the ID communication partner device (2) and at least one other ID communication partner device (4) are brought into a communication connection, wherein a carrier signal (CS) is output by the at least one other ID communication partner device (4), which carrier signal (CS) is received by the ID communication partner device (2), and wherein the carrier signal (CS) is repeatedly designated by at least one mode activation signal (AS) by means of the at least one other ID communication partner device (4), and wherein the presence of the mode activation signal (AS) is recognized by the ID communication partner device (2), giving a recognition result signal (RRS), and wherein, as a function of the recognition result signal (RRS), the desired communication mode of the ID communication partner device (2) is activated.

Abstract: A portable device includes an active device (communication station) configuration for contactless communication with at least one external data carrier and a passive device (data carrier) configuration for contactless communication with at least one external communication station. A detection circuit is provided to detect the presence of an external data carrier and/or the presence of an external communication station in a communication zone of the internal active device configuration and/or the internal passive device configuration. An activation circuit is coupled to the detection circuit to enable one of the two configurations based on the detection result.

Abstract: In a circuit (2) for a communication partner appliance (1) designed for contactless communication having two activatable send modes (ABM, PBM), which send modes (ABM, PBM) differ from one another with regard to their energy requirement, a determination stage (15) is provided, which is designed to determine first energy source information (SI1), which first energy source information (SI1) is characteristic of at least one parameter of at least one energy source (11, 12) serving to supply the circuit with electrical energy, and a decision stage (26) is additionally provided, which is designed to form a decision result taking account of the first energy source information (SI1) determined with the determination stage (15), which decision result influences which send mode (ABM, PBM) is to be activated in the circuit (2) of the communication appliance (1).

Abstract: In a communication partner device (2A) which belongs to a communication system (1) having at least two such communication partner devices (2A, 2B) and which is designed for contactless communication over a first communication channel (4), wherein one of the two communication partner devices (2A, 2B) contains a communication enable information item (CEIA, CEIB) which is used to enable communication between the one communication partner device (2A) and the other communication partner device (2B) over the first communication channel (4), a communication stage (5A) is provided which is designed for contactless communication with a communication stage (5B) of the other communication partner device (2B) over a second communication channel (7) and which, in the event of communication over the second communication channel (7), is designed to make available the communication enable information item (CEIA, CEIB), necessary for communication over the first communication channel (4), in the communication partner device (

Abstract: In a method of releasing communication between at least two communication devices (4, 5, 6, 7, 8), a data carrier (36), that is able to be read from in a non-contacting manner and that contains an authorization code (AUC), is brought into the vicinity of communication devices (4, 5, 8) that are to be released, and the authorization code (AUC) is read out in a non-contacting manner by a reading device (21, 22, 25) contained in the relevant communication device (4, 5, 8) and is fed by the reading device (21, 22, 25) to a releasing device (40, 41, 44) that, after analyzing the authorization code (AUC), is responsible for releasing communication between the communication devices (4, 5, 8) to be released.

Abstract: In a circuit (2) for a communication partner appliance (1) designed for contactless communication having two activatable send modes (ABM, PBM), which send modes (ABM, PBM) differ from one another with regard to their energy requirement, a determination stage (15) is provided, which is designed to determine first energy source information (SI1), which first energy source information (SI1) is characteristic of at least one parameter of at least one energy source (11, 12) serving to supply the circuit with electrical energy, and a decision stage (26) is additionally provided, which is designed to form a decision result taking account of the first energy source information (SI1) determined with the determination stage (15), which decision result influences which send mode (ABM, PBM) is to be activated in the circuit (2) of the communication appliance (1).

Abstract: In a circuit (2, 3) for processing at least one output signal (C1, C2, C3) of a communication stage, which at least one output signal (C1, C2, C3) of a communication stage can be generated by means of a communication stage, there are provided signal-mixing means (5), which signal-mixing means (5) are arranged to receive at least two output signals (C1, C2, C3) of communication stages and to mix the at least two output signals (C1, C2, C3) of communication stages and to transmit a collision signal representing the result of the mixing of the at least two output signals (C1, C2, C3) of communication stages, which collision signal represents a simultaneous occurrence of at least two output signals (C1, C2, C3) of communication stages in an electromagnetic field.

Abstract: A system (1) for executing system functions, for example a PC system, contains, firstly, a contact-bound characteristics block-processing stage (9), which is designed to process a contact-bound characteristics block (ATR) transferable from a contactbound data carrier (40) to a contact-bound read-write station (16) and, as a consequence of this processing, to generate at least one control signal (CS 1, CS2, CS3), and, secondly, a contactless read-write device (14, 15) that is designed to co-operate with a contactless data carrier (20, 30) and which contains a contact-bound characteristics block-recognition stage (25, 35) for recognizing a contactless characteristics block (ATS, UID) transferred from the contactless data carrier (20, 30) to the contactless read-write device (14, 15), and, thirdly, a contact-bound characteristics block-generation stage (26, 36), which generates the contactbound characteristics block (ATR) by utilizing the recognized contactless characteristics block (ATS, UID) and feeds it to th