Abstract: At a terminal assembly associated with a physical access point, payment device data is obtained from a reduced-functionality payment device, and the data is identified as emanating from such a device. In response, the payment device data emanating from the reduced-functionality payment device is converted into an authorization request or an access request, of a format consistent with full-functionality payment devices. The authorization request or access request is dispatched into a payment infrastructure which is configured to handle same, but is not configured to handle the reduced-functionality payment device.

Abstract: The present invention relates to an electronic device 101 for use in a transaction process. The electronic device 101 comprises a first wireless communication module for communicating with a second electronic device 102 and a second wireless communication module for communicating with a payment terminal 106 for the purpose of performing a payment transaction. The electronic device 101 is capable of relaying data between the second device 102 and the payment terminal 106. A method of performing a transaction is also disclosed, said method comprising the following steps. Firstly, a first wireless communication between an electronic device 101 and a second electronic device 102 is established. Secondly, transaction details required to perform a contactless transaction are uploaded from the second electronic device 102 to the electronic device 101 and securely stored on the electronic device 101. Thirdly a second wireless communication between the electronic device 101 and a payment terminal 106 is established.

Abstract: A method and system for a photo ID payment card transaction verification system for use with a payment card interchange network is provided. The system is programmed to receive a photo of a cardholder, the photo verified to be of the cardholder, assign a unique photo identifier to the photo, the unique photo identifier associated with the cardholder's payment card account, receive payment card transaction information for a payment cardholder from the interchange network, the interchange network configured to process payment card transactions between a merchant through a merchant bank and a cardholder through an issuer bank, the payment card transaction information including data relating to a purchase of goods or services made by the cardholder at a merchant, and transmit at least one of the photo and an access to the photo to the merchant with an authorization request response during a payment card transaction.

Abstract: At a terminal assembly associated with a physical access point, payment device data is obtained from a reduced-functionality payment device, and the data is identified as emanating from such a device. In response, the payment device data emanating from the reduced-functionality payment device is converted into an authorization request or an access request, of a format consistent with full-functionality payment devices. The authorization request or access request is dispatched into a payment infrastructure which is configured to handle same, but is not configured to handle the reduced-functionality payment device.

Abstract: A method and system for a photo ID payment card transaction verification system for use with a payment card interchange network is provided. The system is programmed to receive a photo of a cardholder, the photo verified to be of the cardholder, assign a unique photo identifier to the photo, the unique photo identifier associated with the cardholder's payment card account, receive payment card transaction information for a payment cardholder from the interchange network, the interchange network configured to process payment card transactions between a merchant through a merchant bank and a cardholder through an issuer bank, the payment card transaction information including data relating to a purchase of goods or services made by the cardholder at a merchant, and transmit at least one of the photo and an access to the photo to the merchant with an authorization request response during a payment card transaction.