Abstract: A method for a user to perform a transaction with a merchant using a user account associated with a user computing device, wherein the user account is associated with a transaction infrastructure, can include: initiating the transaction including providing a public identity of the user to the merchant; the merchant determining user account information associated with the public identity, and providing transaction details to the transaction infrastructure for approval; sending the transaction details to the user computing device; the user approving or disapproving the transaction at the user computing device, and sending the approval or disapproval to the transaction infrastructure; wherein the transaction is approved or rejected through the transaction infrastructure after the user's approval or disapproval is received. Suitable methods and apparatus for the user computing device and the issuer server are also described.

Abstract: An edge node computing system and corresponding methods for performing secondary processing of data at edge nodes of a computer network. The edge node computing system receives messages, such as authorization messages, representing a payment transaction initiated by a cardholder with a merchant. A primary processor of the edge node computing system performs a primary processing and determines whether to forward the message to a second processor for secondary processing. After secondary processing is completed, the second processor generates an enhanced message based on the original message and the results of the secondary processing and transmits the enhanced message accordingly. The systems and methods disclosed are particularly suited for provided value-added services in payment processing networks.