Abstract: Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include receiving a request to provide an enhanced merchant experience available for a merchant to one or more consumers participating in mobile transactions with the merchant, receiving a merchant identifier from a system involved in processing a mobile transaction for the merchant, determining whether to provide the enhanced merchant experience to a user involved in the mobile transaction with the merchant, determining when to provide the enhanced merchant experience to the user involved in the mobile transaction with the merchant, and providing the enhanced merchant experience to the user involved in the mobile transaction with the merchant during the transaction, at completion of the transaction, or after completion of the transaction.

Abstract: Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include receiving a request to provide an enhanced merchant experience available for a merchant to one or more consumers participating in mobile transactions with the merchant, receiving a merchant identifier from a system involved in processing a mobile transaction for the merchant, determining whether to provide the enhanced merchant experience to a user involved in the mobile transaction with the merchant, determining when to provide the enhanced merchant experience to the user involved in the mobile transaction with the merchant, and providing the enhanced merchant experience to the user involved in the mobile transaction with the merchant during the transaction, at completion of the transaction, or after completion of the transaction.

Abstract: Methods and systems for fault tolerant token based transactions are described. A user may perform a transaction with a mobile device. The mobile device may be in an offline mode or may be lacking a network connection to servers or cloud devices of a mobile payment system. The transaction may be processed through a transaction device, which may aid in the sending and receiving of transaction data while the mobile device is in the offline mode. The transaction device may communicate with the server or cloud device and the server or cloud device may process the transaction and communicate with the transaction device, which may forward data from the server or cloud device to the mobile device.

Abstract: Systems and methods are disclosed which may allow a user having a mobile device to check in to a location using a packet sequence that includes information for identifying the location transmitted by one or more Bluetooth® Low Energy (BLE) beacons at or near the location. The user may be able to store packet sequences for various locations that may allow the user to automatically check into these locations using the store packet sequences.

Abstract: Methods and systems for fault tolerant token based transactions are described. A user may perform a transaction with a mobile device. The mobile device may be in an offline mode or may be lacking a network connection to servers or cloud devices of a mobile payment system. The transaction may be processed through a transaction device, which may aid in the sending and receiving of transaction data while the mobile device is in the offline mode. The transaction device may communicate with the server or cloud device and the server or cloud device may process the transaction and communicate with the transaction device, which may forward data from the server or cloud device to the mobile device.

Abstract: Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include receiving a request to provide an enhanced merchant experience available for a merchant to one or more consumers participating in mobile transactions with the merchant, receiving a merchant identifier from a system involved in processing a mobile transaction for the merchant, determining whether to provide the enhanced merchant experience to a user involved in the mobile transaction with the merchant, determining when to provide the enhanced merchant experience to the user involved in the mobile transaction with the merchant, and providing the enhanced merchant experience to the user involved in the mobile transaction with the merchant during the transaction, at completion of the transaction, or after completion of the transaction.

Abstract: Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include providing a registry of public keys to allow users to securely exchange mobile payment data with respective trusted merchants, sending a request from a computing device of a user to validate a merchant, storing a public key for the merchant from the registry, receiving a merchant identifier from a terminal during a mobile transaction indicating that the terminal is associated with the merchant, receiving a request for information from the terminal as part of the mobile transaction, determining whether the terminal requesting the information is trusted, providing the requested information encrypted using the public key to the terminal when the terminal is trusted, and providing decoy response information to the terminal when the terminal is determined to be untrusted.

Abstract: Methods, systems, and computer program products for replaying tokenized payment transactions are disclosed. A computer-implemented method may include generating or receiving a token for a tokenized payment transaction involving a merchant, creating an association between the token and the tokenized payment transaction, storing the association between the token and the tokenized payment transaction, providing the token to the merchant during the tokenized payment transaction to authorize payment, receiving a request from the merchant to provide the token during a subsequent transaction relating to the tokenized payment transaction, selecting a transaction record corresponding to the tokenized payment transaction to retrieve the token for the second transaction, and determining the token to provide to the merchant in the second transaction.

Abstract: A system, a medium, and a method are provided to split data paths among various devices in data communications system. In some instances, the server device receives a request from a remote device such as a website server or a checkout device, where the request indicates a user request to purchase one or more items. An account management component of the server device determines a user account associated with the user request and identifies a user device associated with the user account, such as the user's smartphone. An authentication component of the server device generates an electronic message that indicates that the user must authenticate the request such that the request may be processed and initiates a transmittal of the electronic message to the user's smartphone. The user may accept or authenticate the request to process the request.

Abstract: Methods and systems for fault tolerant token based transactions are described. A user may perform a transaction with a mobile device. The mobile device may be in an offline mode or may be lacking a network connection to servers or cloud devices of a mobile payment system. The transaction may be processed through a transaction device, which may aid in the sending and receiving of transaction data while the mobile device is in the offline mode. The transaction device may communicate with the server or cloud device and the server or cloud device may process the transaction and communicate with the transaction device, which may forward data from the server or cloud device to the mobile device.

Abstract: Various systems, mediums, and methods herein describe aspects of data exchange schemas accessible with client devices over communication networks in data infrastructures. A data exchange system may build one or more data exchange schemas for a user. The system may also determine a location of a client device of the user associated with one or more entities. Based on the location of the client device, the system may identify a data exchange schema of the user for transferring data to the one or more entities. The system may determine an access for the one or more entities to a portion of data from the data exchange schema of the user. The system may also transmit a notification to the client device that indicates the access of the one or more entities to the portion of data from the data exchange schema.

Abstract: Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include receiving a request to provide an enhanced merchant experience available for a merchant to one or more consumers participating in mobile transactions with the merchant, receiving a merchant identifier from a system involved in processing a mobile transaction for the merchant, determining whether to provide the enhanced merchant experience to a user involved in the mobile transaction with the merchant, determining when to provide the enhanced merchant experience to the user involved in the mobile transaction with the merchant, and providing the enhanced merchant experience to the user involved in the mobile transaction with the merchant during the transaction, at completion of the transaction, or after completion of the transaction.

Abstract: Methods, systems, and computer program products for replaying tokenized payment transactions are disclosed. A computer-implemented method may include generating or receiving a token for a tokenized payment transaction involving a merchant, creating an association between the token and the tokenized payment transaction, storing the association between the token and the tokenized payment transaction, providing the token to the merchant during the tokenized payment transaction to authorize payment, receiving a request from the merchant to provide the token during a subsequent transaction relating to the tokenized payment transaction, selecting a transaction record corresponding to the tokenized payment transaction to retrieve the token for the second transaction, and determining the token to provide to the merchant in the second transaction.

Abstract: A system, a medium, and a method are provided to split data paths among various devices in data communications system. In some instances, the server device receives a request from a remote device such as a website server or a checkout device, where the request indicates a user request to purchase one or more items. An account management component of the server device determines a user account associated with the user request and identifies a user device associated with the user account, such as the user's smartphone. An authentication component of the server device generates an electronic message that indicates that the user must authenticate the request such that the request may be processed and initiates a transmittal of the electronic message to the user's smartphone. The user may accept or authenticate the request to process the request.

Abstract: Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include providing a registry of public keys to allow users to securely exchange mobile payment data with respective trusted merchants, sending a request from a computing device of a user to validate a merchant, storing a public key for the merchant from the registry, receiving a merchant identifier from a terminal during a mobile transaction indicating that the terminal is associated with the merchant, receiving a request for information from the terminal as part of the mobile transaction, determining whether the terminal requesting the information is trusted, providing the requested information encrypted using the public key to the terminal when the terminal is trusted, and providing decoy response information to the terminal when the terminal is determined to be untrusted.

Abstract: Systems and methods are disclosed which may allow a user having a mobile device to check in to a location using a packet sequence that includes information for identifying the location transmitted by one or more Bluetooth® Low Energy (BLE) beacons at or near the location. The user may be able to store packet sequences for various locations that may allow the user to automatically check into these locations using the store packet sequences.

Abstract: Systems and methods are disclosed which may allow a user having a mobile device to check in to a location using a packet sequence that includes information for identifying the location. The location may be transmitted by one or more Bluetooth® Low Energy (BLE) beacons at or near the location. The user may be able to store packet sequences for various locations that may allow the user to automatically check into these locations using the store packet sequences.

Abstract: Systems and methods are disclosed which may allow a user having a mobile device to check in to a location using a packet sequence that includes information for identifying the location. The location may be transmitted by one or more Bluetooth® Low Energy (BLE) beacons at or near the location. The user may be able to store packet sequences for various locations that may allow the user to automatically check into these locations using the store packet sequences.

Abstract: A system, a medium, and a method are provided to split data paths among various devices in data communications system. In some instances, the server device receives a request from a remote device such as a website server or a checkout device, where the request indicates a user request to purchase one or more items. An account management component of the server device determines a user account associated with the user request and identifies a user device associated with the user account, such as the user's smartphone. An authentication component of the server device generates an electronic message that indicates that the user must authenticate the request such that the request may be processed and initiates a transmittal of the electronic message to the user's smartphone. The user may accept or authenticate the request to process the request.

Abstract: Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include initiating a mobile transaction with a computing device of a user, determining to generate a rendezvous request for the mobile transaction, generating the rendezvous request for the mobile transaction, providing the rendezvous request to the computing device of the user, providing information about the rendezvous request to a second computing device that is to receive a response to the rendezvous request from the user, querying the second computing device to determine whether the response for the rendezvous request is available for processing, receiving the response to the rendezvous request provided by the user from the second computing device, and processing of the mobile transaction in view of receiving the response to the rendezvous request provided by the user from the second computing device.