Abstract: A transaction processing system is arranged to receive, from a user device, transaction data and outcome data associated with outcomes of one or more previous transactions. Based on the transaction data and the outcome data, the transaction processing system may process the transaction request according to a particular transaction process and update the outcome data. The updated outcome data may be sent to the user device and stored for use in processing a future transaction.

Abstract: A transaction processing system (130) is arranged to receive a transaction request from a user device (110), the transaction processing system (130) comprises a cookie retriever (141) arranged to obtain a cookie (112) stored in a browser application (111) of the user device (110) containing outcome data indicative of an outcome of at least one prior transaction, a processing setter (142) arranged to determine based on the outcome data which of a plurality of transaction processes (152) is to be applied by the transaction processing system (130) to the transaction request, and a transaction processor (143) arranged to process the transaction in accordance with the determined transaction process.

Abstract: An electronic method of generating payment card data for a user comprises forming a payment card number by a) combining an issuer identification number (IIN) with at least a segment of a telephone number of the user and b) adding a check digit derived from the combination of the IIN and the at least a segment of a telephone number of the user; and generating an expiry date for the payment card using a random number generation process.

Abstract: An electronic method of fraud prevention at a host system, comprises receiving, at a host system, a request to purchase one or more digital products and a request to settle the purchase by an Internet bank transfer. The host system connects the user to a third party system to enable the user to attempt to settle the purchase by making the Internet bank transfer from a bank account of a bank. The host system monitors the attempt to settle the purchase by an Internet bank transfer from the bank account to determine whether it is indicative of an unacceptable fraud risk, and terminates the transaction without releasing the requested one or more digital products in response to determining that the fraud risk is unacceptable.

Abstract: A transaction processing system (130) is arranged to receive a transaction request from a user device (110), the transaction processing system (130) comprises a cookie retriever (141) arranged to obtain a cookie (112) stored in a browser application (111) of the user device (110) containing outcome data indicative of an outcome of at least one prior transaction, a processing setter (142) arranged to determine based on the outcome data which of a plurality of transaction processes (152) is to be applied by the transaction processing system (130) to the transaction request, and a transaction processor (143) arranged to process the transaction in accordance with the determined transaction process.

Abstract: A processing system comprises a transaction handler arranged to receive a transaction request from a device over a communications network, an identification obtainer arranged to obtain first identification data of the device from which the transaction request is received and store said first identification data, a verification message sender arranged to send a verification message from the processing system to a nominated user e-mail address, the verification message including a hyperlink specific to the transaction request for verifying the transaction request, and a verification handler arranged to receive an attempt from a device to verify the transaction request based on the hyperlink, the identification obtainer arranged to obtain second identification data from the device attempting to verify the transaction request.

Abstract: A method for controlling usage of one or more acquirer tokens stored within a merchant system. The method comprises receiving a payment request to make a payment corresponding to a user account having associated therewith an acquirer token that enables payment to be made by communication of the acquirer token to an acquirer system, determining whether to allow the payment to be made by communicating the acquirer token to the acquirer system based on whether a payment channel via which the payment request is received is authorised for use of the acquirer token, and communicating the acquirer token to the acquirer system upon a positive determination to allow the payment.

Abstract: A method and system for providing a service associated with sale of a product from a merchant to a customer at a point of sale terminal connected to a network. The method comprising the steps of offering to provide the service associated with sale of the product to said customer during purchase of said product at the point of sale terminal, providing one of a plurality of identification numbers held in a database connected to the network at the point of sale terminal in association with the offered service and providing said provided identification number to said customer, and subsequently providing customer access over the network to permit said customer to enter purchase related details into the database to be associated with the provided identification number, thereby minimising time required at the point of sale terminal.

Abstract: An electronic method of making a merchant payment comprising: receiving user payment request data transmitted from a mobile device, the user payment request data comprising a payment amount and a merchant identifier; checking a user record corresponding to the mobile device to determine based on at least one payment rule whether to generate merchant payment data corresponding to the payment amount of the user payment request data; and upon generating merchant payment data, transmitting the merchant payment data to a point of sale (POS) terminal corresponding to the merchant identifier.

Abstract: A payment system, including: a host server; a digital wallet for storing credit of a user; a user mobile communications device for data communication with the host server; and a point-of-sale terminal operable by a vendor. The point-of-sale terminal is configured to receive purchase data indicative of a desired purchase by the user and to transmit the purchase data to the host server, the purchase data including price data, the mobile communications device is configured to receive the purchase data from the host server or from the point-of-sale terminal and to prompt the user to input user authorization, the mobile communications device is configured to receive the user authorization and in response thereto to transmit authorization data to the host server, and the host server is configured to respond to receiving the authorization data by initiating transfer of funds according to the price data from the digital wallet to a vendor account.

Abstract: An interactive voice response system, comprising: a processor configured to control the output of voice prompts for transmission to a user; an alphanumeric string generator controllable by the processor to generate a random or pseudo-random alphanumeric string for outputting by the processor to a user in natural language form; an input module for receiving a user response and configured to recognize alphanumeric characters in the user response and to output a recognized string of one or more alphanumeric characters recognized in the user response; and a validation module.

Abstract: A method and system for providing a service associated with sale of a product from a merchant to a customer at a point of sale terminal connected to a network. The method comprising the steps of offering to provide the service associated with sale of the product to said customer during purchase of said product at the point of sale terminal, providing one of a plurality of identification numbers held in a database connected to the network at the point of sale terminal in association with the offered service and providing said provided identification number to said customer, and subsequently providing customer access over the network to permit said customer to enter purchase related details into the database to be associated with the provided identification number, thereby minimising time required at the point of sale terminal.