Abstract: A method for encapsulating transaction instrument information in a transaction includes storing, in association with a first transaction and by a processor of the primary transaction processor server, payment data associated with a payment instrument used to settle a cost of a first transaction. The primary transaction processor server transmits the transaction data to a payment network processor. The primary transaction processor server receives an authorization package from the payment network processor that includes a cryptograph and a first network token. The processor of the primary transaction processor server generates a secondary token, and stores a correlation record to a computer-readable memory. The correlation record associates the secondary token to a second object stored by the primary transaction processor. The processor of the primary transaction processor server transmits a second transaction package including at least one of the network token and the secondary token to a merchant device.

Abstract: A method for encapsulating transaction instrument information in a transaction includes storing, in association with a first transaction and by a processor of the primary transaction processor server, transaction data associated with a transaction instrument for a first transaction. The primary transaction processor server transmits the transaction data to a payment network processor, and receives an authorization package in response that includes a cryptograph and a first network token. The primary transaction processor server generates a second token that includes a changeable alpha-numeric string associated with the transaction instrument used in the first transaction, and transmits the second token to a merchant device. The second token indicates that a transaction associated with the second token is either i) a customer-initiated transaction or ii) a merchant-initiated transaction. The secondary transaction processor may approve or reject a transaction using the second token without a cryptogram.

Abstract: The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.

Abstract: The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

Abstract: The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

Abstract: The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.

Abstract: Embodiments of the invention provide for secure voice authentication through a communication device or access device. Certain embodiments allow for providing a word string to a communication device or authentication device. The communication or authentication device plays a supplemental signal that is unique to a transaction. The communication device or authentication device concurrently records an audio segment originating from the user and the supplemental signal. The audio segment is an attempt by the user to vocally reproduce the word string. The communication device or authentication device sends the concurrently recorded audio segment and supplemental signal, to a computer, where the computer authenticates the user.

Abstract: The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.

Abstract: The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.

Abstract: The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

Abstract: The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.

Abstract: The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

Abstract: The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.

Abstract: The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

Abstract: The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

Abstract: Embodiments of the invention provide for secure voice authentication through a communication device or access device. Certain embodiments allow for providing a word string to a communication device or authentication device. The communication or authentication device plays a supplemental signal that is unique to a transaction. The communication device or authentication device concurrently records an audio segment originating from the user and the supplemental signal. The audio segment is an attempt by the user to vocally reproduce the word string. The communication device or authentication device sends the concurrently recorded audio segment and supplemental signal, to a computer, where the computer authenticates the user.

Abstract: Embodiments of the invention provide for secure voice authentication through a communication device or access device. Certain embodiments allow for providing a word string to a communication device or authentication device. The communication or authentication device plays a supplemental signal that is unique to a transaction. The communication device or authentication device concurrently records an audio segment originating from the user and the supplemental signal. The audio segment is an attempt by the user to vocally reproduce the word string. The communication device or authentication device sends the concurrently recorded audio segment and supplemental signal, to a computer, where the computer authenticates the user.

Abstract: In one embodiment, a dynamic icon is used to indicate a value or health of the data represented in the corresponding application. An icon provides varying information in response to a user action, without opening the application. Icons are provided with contextual tips to guide the user in real time to make good financial decisions.

Abstract: The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.

Abstract: The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.