Abstract: A head-mounted device is provided that includes one or more cameras configured to acquire a raw video feed and one or more displays configured to present a passthrough video feed to a user. Generation of the passthrough video feed can involve processing the raw video feed using an image signal processor and auxiliary compute blocks. One or more of the auxiliary compute blocks can be bypassed in response to detecting one or more failures associated with the auxiliary compute blocks. Configured and operated in this way, the head-mounted device can fall back to a more reliable passthrough video feed without having to power cycle the head-mounted device when a failure occurs.

Abstract: A method and system for processing a transaction between a merchant and a consumer using a consumer mobile device wherein the consumer mobile device is in communication with a payment processing computing device having a memory are provided. The method includes receiving merchant data associated with the merchant, receiving a consumer alias associated with the consumer, receiving, a transaction request message from the consumer mobile device, the transaction request message including a merchant identifier, a transaction amount, a device identifier associated with the consumer mobile device, and consumer verification data, retrieving the account number based on the device identifier and the consumer verification data, retrieving the merchant data based on the merchant identifier, generating an authorization request message including the account number, the transaction amount, and the merchant data, and transmitting the authorization request message over a payment network to an issuer bank.

Abstract: Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes requesting product data for a merchant, receiving the product data from the merchant, displaying the product data to a user at a vehicle, and receiving a selection of a product therefrom by the user. The method then includes creating an order object for the selected product and appending a vehicle signature, for the vehicle, to the order object. The vehicle signature may include a condition of the vehicle, a sound or vibration of the vehicle, and/or a vehicle identifier modified by an operator. The method then further includes matching the order object to a transaction object for the selected product based on the vehicle signature, and transmitting a purchase order to the merchant for the selected product, based on the order object and the transaction object.

Abstract: Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes requesting product data for a merchant, receiving the product data from the merchant, displaying the product data to a user at a vehicle, and receiving a selection of a product therefrom by the user. The method then includes creating an order object for the selected product and appending a vehicle signature, for the vehicle, to the order object. The vehicle signature may include a condition of the vehicle, a sound or vibration of the vehicle, and/or a vehicle identifier modified by an operator. The method then further includes matching the order object to a transaction object for the selected product based on the vehicle signature, and transmitting a purchase order to the merchant for the selected product, based on the order object and the transaction object.

Abstract: Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.

Abstract: Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.

Abstract: Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.

Abstract: A method for authorizing a digital wallet transaction initiated by a consumer from a merchant web site or app includes providing an acceptance mark on a merchant landing page associated with the merchant web site or app for initiating the digital wallet transaction, the acceptance mark comprising a link to a host server accessing an acceptance network for authorizing payment, the acceptance network comprising a plurality of digital wallets. A wallet selector switch allows selection of a wallet, the transaction is routed to the selected wallet, a payment card and shipping address are selected and the transaction is redirected back to the merchant with purchase details for authorizing and completing the digital wallet transaction. The wallets can include federated and non-federated cobranded wallets and partner-hosted wallets. Direct provisioning with partner credentials and automatic update of consumer details is provided in a federated cobranded wallet.

Abstract: Systems and methods are provided for identifying effective purchase options for travel. One exemplary method includes accessing, by a computing device, calendar data for a user including a location and a time for an appointment; identifying, by the computing device, a first purchase option including travel from a prior location to the appointment location, so that the user is scheduled to arrive at the location of the appointment prior to the appointment time; identifying, by the computing device, a second purchase option including travel, different than the travel of the first purchase option, from the prior location to the location of the at least one appointment; determining, by the computing device, a fare associated with each of the purchase options; receiving, at the computing device, a selection of at least one of the purchase options; and publishing, by the computing device, the selected at least one of the purchase options.

Abstract: Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.

Abstract: Systems and methods are provided for facilitating a transaction between a consumer and at least one merchant for one or more products. A purchase request is initially received, at a computing device, from a consumer. The purchase request includes an intent to purchase a product. At least one characteristic of the product to be purchased by the consumer is identified by the computing device, based on the intent in the purchase request. The at least one characteristic is then disseminated to multiple different merchants. When a bid is received back from at least one of the multiple different merchants, identifying a product relating to the intent in the consumer's purchase request, the bid is transmitted to the consumer. And, when the consumer selects the bid, a transaction request is generated and processed, via a payment network, for the product identified in the bid.

Abstract: A method for redirecting a user apparatus to a merchant web page includes: transmitting web page data corresponding to a web page to be displayed on a user apparatus, the web page includes at least one interactive element; receiving an indication of a user interaction with an interactive element; storing, a plurality of merchant data entries, each entry including a merchant web page, an indication of interest, and an associated interactive element; identifying, a subset of the plurality of data entries, wherein each entry in the subset is associated with the interactive element; identifying, in the subset, a single entry based on the indication of interest of each entry in the subset; and transmitting redirecting data to redirect the user apparatus to the merchant web page associated with the single entry.

Abstract: A method and system for processing a transaction between a merchant and a consumer using a consumer mobile device wherein the consumer mobile device is in communication with a payment processing computing device having a memory are provided. The method includes receiving merchant data associated with the merchant, receiving a consumer alias associated with the consumer, receiving, a transaction request message from the consumer mobile device, the transaction request message including a merchant identifier, a transaction amount, a device identifier associated with the consumer mobile device, and consumer verification data, retrieving the account number based on the device identifier and the consumer verification data, retrieving the merchant data based on the merchant identifier, generating an authorization request message including the account number, the transaction amount, and the merchant data, and transmitting the authorization request message over a payment network to an issuer bank.

Abstract: A method for redirecting a user apparatus to a merchant web page includes: transmitting web page data corresponding to a web page to be displayed on a user apparatus, the web page includes at least one interactive element; receiving an indication of a user interaction with an interactive element; storing, a plurality of merchant data entries, each entry including a merchant web page, an indication of interest, and an associated interactive element; identifying, a subset of the plurality of data entries, wherein each entry in the subset is associated with the interactive element; identifying, in the subset, a single entry based on the indication of interest of each entry in the subset; and transmitting redirecting data to redirect the user apparatus to the merchant web page associated with the single entry.

Abstract: Various consumer interface platforms are converged to facilitate user access to an electronic network of wallets. The functions of both remote and NFC payment, among other interface platforms, give the purchaser access to a single electronic wallet for online E-commerce and a variety of mCommerce scenarios, some including brick and mortar, face-to-face (F2F), and/or point-of-sale (POS) transaction payments. The network of wallets has a network operator intermediating payment transactions between merchants and wallet providers. In this way, the parallel consumer interface platforms, such as remote platform enabling e-commerce payments, an NFC platform, and/or others, into a single converged payment platform that is usable in either or both transaction settings.

Abstract: A method and an account management computer system programmed to generate a scorecard having at least one target, wherein each target of the at least one target represents a transaction performed by a cardholder. The account management computer system is further programmed to receive account usage information from an interchange network, and determine whether the at least one target has been achieved based on the account usage information.

Abstract: A method and a payment card account management system are provided. The payment card account management system is programmed to receive payment card account command instructions from a cardholder associated with the payment card account wherein the command instructions relate to at least one of payment card account management by the cardholder and account usage by the cardholder, generate an avatar expression based on the received command instructions, and display the generated avatar expression to the cardholder.