Abstract: Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.

Abstract: Methods and systems for conducting a secure online transaction with a physical payment card. In an embodiment, a user computer identifies, during an online transaction, a selection of a secure payment option involving a physical payment card. Next, a security module of the user computer enters a secure transaction mode of operation which prevents other applications running on the user computer from access to cardholder data, establishes a communication session with a payment provider device, and prompts a user to present a payment card to a card reader device associated with the user computer. The card reader device then reads cardholder data from the physical payment card, and the security module creates a request message. The security module then transmits the request message to a payment provider computer (which provides substitute payment card details to the merchant computer to complete the online payment transaction) and exits the secure transaction mode.

Abstract: Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.

Abstract: Methods and systems for conducting a secure online transaction with a physical payment card. In an embodiment, a user computer identifies, during an online transaction, a selection of a secure payment option involving a physical payment card. Next, a security module of the user computer enters a secure transaction mode of operation which prevents other applications running on the user computer from access to cardholder data, establishes a communication session with a payment provider device, and prompts a user to present a payment card to a card reader device associated with the user computer. The card reader device then reads cardholder data from the physical payment card, and the security module creates a request message. The security module then transmits the request message to a payment provider computer (which provides substitute payment card details to the merchant computer to complete the online payment transaction) and exits the secure transaction mode.

Abstract: Embodiments allow loading and reloading contactless payment devices using only a contactless terminal interface, while providing user authentication. The contactless terminal interface could be at a merchant POS location, kiosk, or embedded or attached to a personal computing device with contactless read/write capability such as a personal computer or mobile phone or Internet device.

Abstract: Methods and systems for conducting a secure online transaction with a payment card are described. In an embodiment, a user selects a secure payment option during an online transaction which is transmitted to a merchant computer. A notification is received from the merchant computer of initiation of a secure transaction process, and then the user computer enters a secure transaction mode of operation and establishes a communication session with a payment provider device. The user computer prompts the user to present a payment card to a card reader device, reads payment card data, creates a request message, transmits the request message to a payment provider computer causing the payment provider computer to provide substitute payment card details to the merchant computer to complete the online payment transaction, and then exits the secure transaction mode.

Abstract: Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.

Abstract: Embodiments allow loading and reloading contactless payment devices using only a contactless terminal interface, while providing user authentication. The contactless terminal interface could be at a merchant POS location, kiosk, or embedded or attached to a personal computing device with contactless read/write capability such as a personal computer or mobile phone or Internet device.

Abstract: Embodiments allow loading and reloading contactless payment devices using only a contactless terminal interface, while providing user authentication. The contactless terminal interface could be at a merchant POS location, kiosk, or embedded or attached to a personal computing device with contactless read/write capability such as a personal computer or mobile phone or Internet device.

Abstract: A system is described for remotely issuing a payment device. The system includes a payment network, a chip card issuer and a remote dispensing device. The remote dispensing device is configured to receive a request from a consumer to purchase a proximity payment card, to transmit a transaction authorization request to the payment network and to receive a transaction authorization. The remote dispensing device then reads proximity payment card information from a pre-personalized proximity payment card, transmits it and a request for personalization data to the chip card issuer, receives the personalization data and transmits it to the pre-personalized proximity payment card to store thereon to create a personalized proximity payment card, and lastly dispenses the personalized proximity payment card to the consumer.

Abstract: A system is described for remotely issuing a payment device. The system includes a payment network, a chip card issuer and a remote dispensing device. The remote dispensing device is configured to receive a request from a consumer to purchase a proximity payment card, to transmit a transaction authorization request to the payment network and to receive a transaction authorization. The remote dispensing device then reads proximity payment card information from a pre-personalized proximity payment card, transmits it and a request for personalization data to the chip card issuer, receives the personalization data and transmits it to the pre-personalized proximity payment card to store thereon to create a personalized proximity payment card, and lastly dispenses the personalized proximity payment card to the consumer.

Abstract: Methods and apparatus for issuing a payment device from a remote dispensing device are provided. In an embodiment, a dispensing device receives a purchase request including a load amount, to purchase a proximity payment device. The dispensing device reads proximity payment device information from a stored pre-personalized proximity payment device, establishes a secure communications channel with a security terminal, encrypts a personalization data request, transmits it to the proximity device issuer server, and receives an encrypted personalization message. The dispensing device then decrypts the encrypted personalization message to obtain personalization data, writes the personalization data and the load amount to the pre-personalized proximity payment device, and then dispenses the personalized proximity payment device.

Abstract: Methods and systems for conducting a secure online transaction with a payment card are described. In an embodiment, a user selects a secure payment option during an online transaction which is transmitted to a merchant computer. A notification is received from the merchant computer of initiation of a secure transaction process, and then the user computer enters a secure transaction mode of operation and establishes a communication session with a payment provider device. The user computer prompts the user to present a payment card to a card reader device, reads payment card data, creates a request message, transmits the request message to a payment provider computer causing the payment provider computer to provide substitute payment card details to the merchant computer to complete the online payment transaction, and then exits the secure transaction mode.

Abstract: Pursuant to some embodiments, methods, systems, apparatus, computer program code and means for conducting an online transaction by a user operating a computer are provided which include identifying, at the computer, that the user has selected a secure payment option during a transaction with a merchant. The computer is caused to enter a private session. During the private session, payment card data from a physical payment card held by the user is received, and the payment card data is forwarded to a payment provider to cause the payment provider to provide substitute payment card details to the merchant to complete the transaction.

Abstract: Methods and apparatus for issuing a payment device from a remote dispensing device are provided. In an embodiment, a dispensing device receives a purchase request including a load amount, to purchase a proximity payment device. The dispensing device reads proximity payment device information from a stored pre-personalized proximity payment device, establishes a secure communications channel with a security terminal, encrypts a personalization data request, transmits it to the proximity device issuer server, and receives an encrypted personalization message. The dispensing device then decrypts the encrypted personalization message to obtain personalization data, writes the personalization data and the load amount to the pre-personalized proximity payment device, and then dispenses the personalized proximity payment device.

Abstract: Pursuant to some embodiments, methods, apparatus, systems, devices, and means for issuing a payment device from a remote dispensing device are provided which include receiving a request to purchase a payment device from the remote dispensing device, the request including a load amount. Device information is read from a pre-personalized payment device in the remote dispensing device, and a request is made to an issuer of the pre-personalized payment device, for personalization data to personalize the pre-personalized payment device. In some embodiments, the request is sent over a secure authenticated session established between a module of the dispensing device and the issuer. The personalization data is loaded in the pre-personalized payment device to create a personalized payment device, and the personalized payment device is dispensed for use by a consumer.

Abstract: Methods and systems for authenticating a user are provided. In an embodiment, an authentication service device receives a request to authenticate a user, and transmits a transaction history database query based on business rules concerning transactions conducted by the user. The response to the query includes a plurality of transactions, and the authentication service device generates a user authentication form that includes a set of transactions, and at least two of the transactions include a redacted transaction detail field. The user authentication form is transmitted to a user device, and user responses to the redacted transaction detail fields are received. The user is authenticated based on a monetary amount response that falls within a predetermined variance threshold, at least one positive information response, and on the user satisfying a permissible number of retry(s) requirement.

Abstract: According to some embodiments, a registration request is received from a user, the user providing information identifying an account. A transaction database is queried using the information identifying an account, and a set of transactions conducted using the account are identified, each of the transactions having at least one transaction detail field. The set of transactions is presented to said user with at least one of the transaction detail fields being redacted. The user is prompted to provide the at least one of the redacted transaction detail fields, and a determination is made whether to authenticate the user based on a response of the user.

Abstract: According to some embodiments, a registration request is received from a user, the user providing information identifying an account. A transaction database is queried using the information identifying an account, and a set of transactions conducted using the account are identified, each of the transactions having at least one transaction detail field. The set of transactions is presented to said user with at least one of the transaction detail fields being redacted. The user is prompted to provide the at least one of the redacted transaction detail fields, and a determination is made whether to authenticate the user based on a response of the user.

Abstract: A system, device, method, program instructions, and means for securely authenticating a user, the method including mapping, by a one time code generating device in the possession of a user, a one time code onto a graphical representation of a positional array; displaying the one time code mapped onto the graphical representation of the positional array; determining an encoded personal identification number (PIN), the encoded PIN is based on the one time code mapped onto the graphical representation of the positional array and a static PIN known by the user; and authenticating the user based on the encoded PIN.