Abstract: A system and a method for determining a profile of a consumer are disclosed. The system includes a processor and a memory unit coupled to the processor. The memory unit is configured to store the consumer's payment card usage data. The processor is configured to obtain a credit score specific to the consumer and calculate a payment card index specific to the consumer based on the consumer's payment card usage data stored in the memory unit. The payment card index may comprise a weighted sum of factors representative of the consumer's payment card usage. The processor is also configured to multiply the credit score by the payment card index to obtain a collective score representative of the profile of the consumer.

Abstract: There are provided systems and processes for performing a cross device digital wallet payment. The systems and processes can facilitate express checkout and other ease of payments.

Abstract: There is provided an apparatus, system, server and method for carrying out a transaction. The apparatus, system, server and method enables positive authentication of a user, so that the transaction can be carried out.

Abstract: There is provided a system and method for making payment within a digital messaging environment. The payment can be made without exiting from the digital messaging environment, and can be activated by typing pre-defined text in the digital messaging environment.

Abstract: Device and method for managing crowdsourced funds.

Abstract: A method for managing payment transactions between a merchant and a payment-service-provider (PSP) using a payment management device in communication with a memory device. Each payment transaction is initiated by a consumer using a payment card. It involves (a) sending, to a PSP device associated with the PSP, a request for an authorization for a payment transaction; (b) receiving, from the PSP device, authorization for the payment transaction; (c) saving, in the memory device, data relating to the consumer and the payment transaction on a condition that the authorization for the payment transaction is received from the PSP device; (d) repeating steps (a), (b) and (c) for each of the plurality of payment transactions for a pre-determined period of time; and (e) aggregating the plurality of payment transactions into an aggregated payment transaction based on the data relating to the consumer and each of the plurality of payment transactions.