Abstract: According to some embodiments, systems and methods are provided comprising searching, with a searching device, on a local network for the target device, wherein the digital wallet is an electronically stored registered card based account for use in electronic commercial transactions, and wherein the entire digital wallet is absent from the target device prior to the search; selecting at the searching device one or more target devices; and pushing the digital wallet to the target device, including digital wallet functionality, to the target device selected at the searching device by a user to establish the digital wallet at the target device, without having to enter information at the target device to create a new digital wallet at the target device. Numerous other aspects are provided.

Abstract: Methods and systems for generating consumer payment credentials using an Internet-connected appliance. In an embodiment, a primary Internet-connected appliance receives purchase transaction information from a secondary appliance. The process also includes generating a purchase transaction authorization request based on purchase transaction information and on payment account credential data that is stored locally in a dedicated storage element, transmitting the purchase transaction authorization request via the Internet to a gateway server computer, receiving a purchase transaction authorization response, and transmitting the purchase transaction authorization response via a domestic network to the secondary appliance for display to a consumer.

Abstract: According to a first aspect there is provided a method of controlling transfer of electrical power, said method comprising: in response to formation of an electrical power transfer connection between an electrical power supply network and an electrical device, controlling electrical power transfer through said connection according to the contents, presence or absence of a message received over the connection from said device comprising one or more credentials. According to a second aspect there is provided a method of obtaining electrical power from and/or providing electrical power to an electrical power supply network, said method comprising an electrical device: forming an electrical power transfer connection with said electrical power supply network; and in response thereto, transmitting a power transfer request over said connection, said request comprising one or more credentials.

Abstract: A secure payment system comprises a merchant POS client and a remote POS server. The merchant POS client comprises a reading device for reading a customer user token and for accepting transaction details and customer verification data, and also a computing device with access to a communications network and in communication with the reading device. The merchant POS client also comprises a merchant token associated with the remote POS server. The remote POS server is in communication with the merchant POS client through the communications network, and one or more elements of the merchant POS client business logic are assured by the remote POS server and not the merchant POS client. A merchant token for use in such a merchant POS client is described, as is a suitable reader device, and a method of conducting a transaction using such a payment system.

Abstract: According to some embodiments, systems and methods are provided comprising searching, with a searching device, on a local network for the target device, wherein the digital wallet is an electronically stored registered card based account for use in electronic commercial transactions, and wherein the entire digital wallet is absent from the target device prior to the search; selecting at the searching device one or more target devices; and pushing the digital wallet to the target device, including digital wallet functionality, to the target device selected at the searching device by a user to establish the digital wallet at the target device, without having to enter information at the target device to create a new digital wallet at the target device. Numerous other aspects are provided.

Abstract: A method of disseminating a digital wallet to a target device is described. The method comprises searching, with a searching device, on a local network for the target device, and pushing the digital wallet to the target device.

Abstract: A method of initiating a consumer transaction using a human interaction device to read voice or human based gesture actions is disclosed. Video data is transmitted from a processing device to a display device. The video is monitoring for event data corresponding to a plurality of consumer products or services, and monitored event data is received in the processing device. A consumer is notified on the display device of an eligible consumer transaction. Voice or human based gesture actions are read with a human interaction device and are analyzed. If the voice or human based gesture actions conform to a predetermined set of requirements, then a consumer transaction for the plurality of consumer products or services is initiated.

Abstract: A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.

Abstract: According to a first aspect there is provided a method of controlling transfer of electrical power, said method comprising: in response to formation of an electrical power transfer connection between an electrical power supply network and an electrical device, controlling electrical power transfer through said connection according to the contents, presence or absence of a message received over the connection from said device comprising one or more credentials. According to a second aspect there is provided a method of obtaining electrical power from and/or providing electrical power to an electrical power supply network, said method comprising an electrical device: forming an electrical power transfer connection with said electrical power supply network; and in response thereto, transmitting a power transfer request over said connection, said request comprising one or more credentials.

Abstract: A method for processing transactions in user accounts includes: storing account profiles, each including data related to a user account of a non-financial institution (NFI) entity including a controlled payment number (CPN) and spending limit, the CPN being associated with a transaction account of the NFI entity and subject to the spending limit; receiving a transaction request including a payer CPN, payee CPN, and transaction amount; identifying a payer account profile that includes the payer CPN; identifying a payee account profile that includes the payee CPN; decreasing the spending limit included in the payer account profile based on the transaction amount; and increasing the spending limit included in the payee account profile based on the transaction amount.

Abstract: A credit account is established for a merchant. A variable credit limit is set for the credit account. An indication is received that the merchant has accepted a payment account transaction to be charged to a customer's payment account. A transaction amount may be associated with the payment account transaction. The indication may also indicate that the payment account transaction has been authorized by an issuer of the customer's payment account. There may be a response in real time to the indication by instantaneously increasing the variable credit limit for the merchant's credit account by an amount that corresponds to the transaction amount.

Abstract: Methods and systems for facilitating operation of mobile devices as either consumer payment devices and/or merchant payment devices for completing purchase transactions. A process includes a consumer mobile device initializing a two-sided payment application, receiving a handshake indication at a merchant location from a merchant device running a copy of the two-sided payment application, and establishing a communications path between the consumer mobile device and the merchant device via a remote network connection. Purchase transaction detail data is then exchanged, the purchase transaction detail data is transmitted to a mobile gateway computer for authorization processing, and both the mobile device processor and the merchant device processor receive an authorization message to consummate the purchase transaction.

Abstract: Methods and systems for generating consumer payment credentials using an Internet-connected appliance. In an embodiment, a primary Internet-connected appliance receives purchase transaction information from a secondary appliance. The process also includes generating a purchase transaction authorization request based on purchase transaction information and on payment account credential data that is stored locally in a dedicated storage element, transmitting the purchase transaction authorization request via the Internet to a gateway server computer, receiving a purchase transaction authorization response, and transmitting the purchase transaction authorization response via a domestic network to the secondary appliance for display to a consumer.

Abstract: A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.

Abstract: The present disclosure relates to a computer implemented method of building a profile for an account holder 101. The method comprises the steps of: accessing, by a computer, information from one or more social networking accounts 103, the social networking accounts being associated with the account holder; incorporating, by a computer, the information into the profile of the account holder 101; and utilising the information when determining, by a computer, at least one of: a risk score of a transaction, targeted special offers, and targeted goods and services that could be of interest to the account holder.

Abstract: A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.

Abstract: A method for efficiently distributing coupons to consumers including, inter alia, storing a plurality of consumer profiles; receiving, from a first device of a first consumer, a first consumer identifier associated with the first consumer and identification of at least one second consumer to whom a coupon, with an associated coupon identifier, is to be forwarded; forwarding the coupon to a second device of the at least one second consumer; creating a coupon forwarding data entry, in a consumer profile of the first consumer; receiving a notification indicating coupon redemption and including at least the coupon identifier; updating a consumer profile of the second consumer to reflect a weighted interest level; identifying from the first database, coupon history information that includes at least forwarding and redemption information associated with the redeemed coupon; and generating statistics based on the identified coupon history information.

Abstract: A method of generating travel data by a mobile device of a user of a transport system includes the mobile device receiving data transmitted from one or more beacons of the transport system; and generating travel data in dependence on the data received from the one or more beacons. The travel data is representative of the user's use of the transport system. The travel data may be used to reduce the burden on a user and to improve the services provided to a user.

Abstract: A secure payment system comprises a merchant POS client and a remote POS server. The merchant POS client comprises a reading device for reading a customer user token and for accepting transaction details and customer verification data, and also a computing device with access to a communications network and in communication with the reading device. The merchant POS client also comprises a merchant token associated with the remote POS server. The remote POS server is in communication with the merchant POS client through the communications network, and one or more elements of the merchant POS client business logic are assured by the remote POS server and not the merchant POS client. A merchant token for use in such a merchant POS client is described, as is a suitable reader device, and a method of conducting a transaction using such a payment system.

Abstract: A method of providing interaction options to a user of a device is described. The device is capable of receiving broadcast content from a broadcaster and content via a network. The method comprises receiving, at the device, both broadcast content and a call-to-action related to the broadcast content. The call-to-action is received via a network. The method includes presenting the broadcast content and the call-to-action to the user, receiving a trigger signal from the user in response to the call-to-action, and initiating, in response to the trigger signal, an interaction over the network between the user and a call-to-action party associated with the call-to-action. The method enables an interaction to be established between the user and the call-to-action party regardless of whether the call-to-action party is the same entity as or a different entity to the broadcaster.