Abstract: A computer-implemented method of providing authenticated delivery of a purchase to an authorised recipient comprises: a. authorising (S2-1) a purchase, including designating an authorised recipient for the purchase; b. providing (S2-3) corresponding delivery tokens (4a, 4b) to a recipient device (3) of the authorised recipient and to a delivery device (13) associated with delivery of the purchase; c. at the point of delivery, determining (S2-7) whether the delivery token (4a) of the recipient device (3) matches the delivery token (4b) of the delivery device (13); and, if so: d. confirming (S2-9) that delivery of the purchase is authorised.

Abstract: A mobile payment system is described that facilitates efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a communication link. In one aspect, a mobile device is configured for transaction operations from a plurality of mobile transaction accounts in an electronic wallet. The mobile device includes a plurality of transaction modules operable to process transaction operations with a respective mobile transaction account, each transaction module configured for transaction operations to be completed after an authentication process using a central authentication module coupled to the plurality of transaction modules, operable to verify a user input passcode and to respond to authentication requests from the plurality of transaction module after the user input passcode is verified.

Abstract: A method and system are described that facilitate efficient and secured management of a mobile payment account by an electronic wallet on a user portable electronic device, the electronic wallet for conducting payment transactions with a merchant point of sale terminal over a contactless communications link. In an aspect, the electronic wallet provides for the real-time addition of one or more users authorized to use the mobile payment account associated with the electronic wallet from their own respective portable devices, in a secure and efficient manner.

Abstract: A payment system automatically determines a confidence measure for each payment transaction initiated between a consumer device and a merchant server, based on data associated with the registered consumer and device that is stored by the payment system, and dynamically determines a transaction processing cost for the transaction based on the confidence measure. The payment system can also dynamically determine a set of credential data elements to be requested from the consumer device.

Abstract: A computer-implemented method of providing authenticated delivery of a purchase to an authorised recipient comprises: a. authorising (S2-1) a purchase, including designating an authorised recipient for the purchase; b. providing (S2-3) corresponding delivery tokens (4a, 4b) to a recipient device (3) of the authorised recipient and to a delivery device (13) associated with delivery of the purchase; c. at the point of delivery, determining (S2-7) whether the delivery token (4a) of the recipient device (3) matches the delivery token (4b) of the delivery device (13); and, if so: d. confirming (S2-9) that delivery of the purchase is authorised.

Abstract: A system and method for facilitating upgrade transactions for certain purchased products is disclosed. Information regarding a purchased product may be stored in a database, and upgrade options and upgrade pricing information regarding the purchased product may be displayed to the customer. A mobile application may be used by the customer to purchase the original product, and the mobile application may further allow the customer to track upgrade options for the product and to initiate the upgrade transaction. When a customer initiates an upgrade transaction, an upgrade payment is matched to the originally purchased product. The upgrade payment may be sent from the mobile application. The system and method may then arrange for the return, or trade-in, of the originally purchased product as well as the delivery or pick-up of the upgrade product.

Abstract: A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment transaction. In an embodiment, a user request for a payment account product is transmitted by the portable device to the middleware server. In response, the middleware server initiates a provisioning process for the requested payment account product, including storing status data indicative of an initiated state of the provisioning process. The middleware server then transmits a digital document to the portable device, including information that must be viewed by the user, and updates the status data indicative of a transmitted state of the digital document. In response to receiving an indication that the digital document has been viewed, the middleware server updates the stored status data indicative of a digital document viewed state.

Abstract: A mobile payment system is described that facilitates efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a communication link. In one aspect, a mobile device is configured for transaction operations from a plurality of mobile transaction accounts in an electronic wallet. The mobile device includes a plurality of transaction modules operable to process transaction operations with a respective mobile transaction account, each transaction module configured for transaction operations to be completed after an authentication process using a central authentication module coupled to the plurality of transaction modules, operable to verify a user input passcode and to respond to authentication requests from the plurality of transaction module after the user input passcode is verified.

Abstract: A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment transaction. In an embodiment, a user request for a payment account product is transmitted by the portable device to the middleware server. In response, the middleware server initiates a provisioning process for the requested payment account product, including storing status data indicative of an initiated state of the provisioning process. The middleware server then transmits a digital document to the portable device, including information that must be viewed by the user, and updates the status data indicative of a transmitted state of the digital document. In response to receiving an indication that the digital document has been viewed, the middleware server updates the stored status data indicative of a digital document viewed state.

Abstract: A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment transaction. In an embodiment, a user request for a payment account product is transmitted by the portable device to the middleware server. In response, the middleware server initiates a provisioning process for the requested payment account product, including storing status data indicative of an initiated state of the provisioning process. The middleware server then transmits a digital document to the portable device, including information that must be viewed by the user, and updates the status data indicative of a transmitted state of the digital document. In response to receiving an indication that the digital document has been viewed, the middleware server updates the stored status data indicative of a digital document viewed state.

Abstract: A method and system are described that facilitate efficient and secured management of a mobile payment account by an electronic wallet on a user portable electronic device, the electronic wallet for conducting payment transactions with a merchant point of sale terminal over a contactless communications link. In an aspect, the electronic wallet provides for the real-time addition of one or more users authorized to use the mobile payment account associated with the electronic wallet from their own respective portable devices, in a secure and efficient manner.