Abstract: Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts. One exemplary method includes capturing a computer-readable indicia representative of: a destination account identifier specific to a destination account of a first party and a name of the first party associated with the destination account and, in response to the captured indicia, displaying the name of the first party as a confirmation that the first party is associated with the destination account. The method also includes identifying a source account identifier associated with a source account based on a selection of the source account or on the source account being a default account, and compiling and transmitting a transfer request for a fund transfer based on: the destination account identifier, the source account identifier associated with the identified source account, and a payment amount for the fund transfer.

Abstract: A contactless transaction terminal and method for interacting with a payment enabled mobile device to permit access to a location or to a service. The contactless transaction terminal includes a processor, a polling signal generator operably connected to the processor, an NFC circuit operably connected to the polling signal generator, and a receiver operably connected to the NFC circuit and to a data recovery circuit that is operably connected to the processor. Also included is a storage device operably connected to the processor.

Abstract: A method of operating a payment-enabled mobile device to gain access to a location or a service. In an embodiment, a contactless front-end (CLF) component of a payment-enabled mobile device sequentially detects short-distance radio signals comprising at least two different polling signals, determines based on the sequence of the at least two different polling signals, that the payment-enabled mobile device is in proximity to a non-retail contactless transaction terminal, and then a payment application running on the payment-enabled mobile device bypasses a customary user verification feature. The process also includes the payment-enabled mobile device running the payment application performing a transaction with the non-retail contactless transaction terminal without invoking the customary user verification feature and then gaining access to at least one of a location or service.

Abstract: Various implementations described herein may relate to a system and method for providing transaction report data using a user device. In one implementation, a method may include receiving, at a token service provider (TSP), tokenization request data from a user device associated with a user, where the tokenization request data includes payment card data associated with the user. The method may also include generating a digital token based on the tokenization request data. The method may further include transmitting the digital token to the user device. The method may additionally include receiving transaction report data from the user device, where the transaction report data corresponds to a failed payment transaction performed using the digital token, the user device, and a merchant system. The method may also include generating failure data based on the transaction report data, where the failure data comprises alert data, failure report data, or combinations thereof.

Abstract: A network management system includes: a memory configured to store instructions; and a parallel processor configured to execute the instructions to: (a) receive a request for a transaction; (b) determine a first authorization decision for the request; (c) determine a second authorization decision for the request; and (d) perform a first procedure when the first authorization decision is different from the second authorization decision. The request corresponds to use of electronic payment for the transaction and wherein the first authorization decision is generated in parallel with generation of the second authorization decision.

Abstract: Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts. One exemplary method includes capturing a computer-readable indicia representative of: a destination account identifier specific to a destination account of a first party and a name of the first party associated with the destination account and, in response to the captured indicia, displaying the name of the first party as a confirmation that the first party is associated with the destination account. The method also includes identifying a source account identifier associated with a source account based on a selection of the source account or on the source account being a default account, and compiling and transmitting a transfer request for a fund transfer based on: the destination account identifier, the source account identifier associated with the identified source account, and a payment amount for the fund transfer.

Abstract: Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts. One exemplary method includes capturing a computer-readable indicia representative of: a destination account identifier specific to a destination account of a first party and a name of the first party associated with the destination account and, in response to the captured indicia, displaying the name of the first party as a confirmation that the first party is associated with the destination account. The method also includes identifying a source account identifier associated with a source account based on a selection of the source account or on the source account being a default account, and compiling and transmitting a transfer request for a fund transfer based on: the destination account identifier, the source account identifier associated with the identified source account, and a payment amount for the fund transfer.

Abstract: A method of operating a payment-enabled mobile device includes detecting, by the mobile device, that the mobile device is in proximity to a non-retail contactless transaction terminal. The method further includes permitting operation of an application program in the mobile device. The permitting of operation of the application program is in response to the detected proximity of the non-retail contactless transaction terminal. The operation of the application program is to engage in a transaction with the non-retail contactless transaction terminal while bypassing a user verification feature of the application program.

Abstract: A method of operating a payment-enabled mobile device to gain access to a location or a service. In an embodiment, a contactless front-end (CLF) component of a payment-enabled mobile device sequentially detects short-distance radio signals comprising at least two different polling signals, determines based on the sequence of the at least two different polling signals, that the payment-enabled mobile device is in proximity to a non-retail contactless transaction terminal, and then a payment application running on the payment-enabled mobile device bypasses a customary user verification feature. The process also includes the payment-enabled mobile device running the payment application performing a transaction with the non-retail contactless transaction terminal without invoking the customary user verification feature and then gaining access to at least one of a location or service.

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: Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts. One exemplary method includes capturing a computer-readable indicia representative of: a destination account identifier specific to a destination account of a first party and a name of the first party associated with the destination account and, in response to the captured indicia, displaying the name of the first party as a confirmation that the first party is associated with the destination account. The method also includes identifying a source account identifier associated with a source account based on a selection of the source account or on the source account being a default account, and compiling and transmitting a transfer request for a fund transfer based on: the destination account identifier, the source account identifier associated with the identified source account, and a payment amount for the fund transfer.

Abstract: A method and device for digital payment transactions is provided. A method for encoding data for use in a digital payment transaction between a cardholder and a merchant includes generating, by a cardholder electronic device, dynamic magnetic stripe data associated with a digital payment card of a digital wallet application stored in a data storage module of the cardholder electronic device, retrieving merchant-related data stored in the data storage module of the cardholder electronic device, and encoding, by the cardholder electronic device, the generated dynamic magnetic stripe data and the retrieved merchant-related data in a machine-readable visual code for use in the digital payment transaction.

Abstract: Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts, based on source account identifiers included in computer-readable indicia. One exemplary method includes capturing, by a computing device, at least one symbol representative of a destination account identifier associated with the destination account and identifying, by the computing device, a source account. The method further includes receiving, by the computing device, at least one payment parameter and causing, by the computing device, a fund transfer transaction based on the destination account identifier, the source account identifier, and the at least one payment parameter, whereby a payment from the source account to the destination account is initiated.

Abstract: A mobile computing device having at least one processor and at least one memory, together providing a first execution environment and a second execution environment logically isolated from the first execution environment, the mobile computing device comprising: a first application executable within the first execution environment; a second trusted application executable within the second execution environment; and a secure communications channel between the first application and the second trusted application, wherein the second trusted application is configured to generate one or more data items and to provide the one or more data items to the first application via the secure communications channel.

Abstract: There is provided a computer-implemented method of authenticating an interaction carried out between a mobile device and a gateway, the method being carried out by an authentication system remote from the mobile device and the gateway. The method comprises the steps of: receiving one or more first data items from the gateway, the one or more first data items including dynamic data corresponding to one or more second data items uniquely identifying the interaction, wherein one of the second data items corresponds to a portion of a counter value associated with the interaction; and extracting the counter value portion from the dynamic data.

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 and device for digital payment transactions is provided. A method for encoding data for use in a digital payment transaction between a cardholder and a merchant includes generating, by a cardholder electronic device, dynamic magnetic stripe data associated with a digital payment card of a digital wallet application stored in a data storage module of the cardholder electronic device, retrieving merchant-related data stored in the data storage module of the cardholder electronic device, and encoding, by the cardholder electronic device, the generated dynamic magnetic stripe data and the retrieved merchant-related data in a machine-readable visual code for use in the digital payment transaction.

Abstract: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.

Abstract: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.

Abstract: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.