Abstract: A method for biometric payments comprises: receiving biometric data obtained by a biometric reader device from a user who is registered for biometric payments with a merchant; determining a biometric identifier that is associated with the biometric data; determining a stored payment credential that is associated with the biometric identifier, wherein the stored payment credential is not stored by the merchant; determining a payment card number or payment token based on the stored payment credential; and generating an authorisation request message for processing by an issuer, wherein the authorisation request message comprises the payment card number or payment token, and a data element comprising an indication that the user was authenticated by a biometric authentication method.

Abstract: A method for processing an encoded one-time number via payment rails includes: receiving, by a receiving device interfaced with a computing system, a one-time number, wherein the one-time number is comprised of at least an identification value and a remaining value; executing, by a querying module of the computing system, a query on a memory of the computing system to identify a routing number based on at least a portion of the one-time number; generating, by a generation module of the computing system, a data value, wherein the data value includes at least the identified routing number and the remaining value; and electronically transmitting, by a transmitting device of the computing system, the generated data value to an external system via payment rails associated with a payment network.

Abstract: According to a first aspect, there is provided a method for enabling a communication link over which transaction data is transmitted between a mobile terminal and a receiving terminal, the method comprising: storing in a memory at the mobile terminal, the receiving terminal and a server administering the communication link, a generated unique identifier, the unique identifier used to facilitate the enablement of the communication link; creating a storage slot at the server administering the communication link, the storage slot being assigned the unique identifier and the storage slot used to store the transaction data; and enabling the communication link in response to the creation of the storage slot, wherein the communication link is utilised by both the mobile terminal and the receiving terminal by referencing the unique identifier to the server.

Abstract: Disclosed is a method for modifying transaction credentials. The method involves initiating a transaction at a receiving terminal, the transaction being defined by one or more transaction credentials and then transmitting mobile terminal data from a mobile terminal, via the receiving terminal, to a server, the mobile terminal data comprising a set of account data relating to the mobile terminal. Subsequently, the method involves extracting the set of account data at least partially from the mobile terminal data at the server and transmitting the set of account data from the server to an account manager, the set of account data being associated with a unique consumer account managed by the account manager. One or more transaction modifiers associated with the consumer account are then received at the receiving terminal which modifies at least one of the one or more transaction credentials based on the one or more transaction modifiers.

Abstract: A method for processing an encoded one-time number via payment rails includes: receiving, by a receiving device interfaced with a computing system, a one-time number, wherein the one-time number is comprised of at least an identification value and a remaining value; executing, by a querying module of the computing system, a query on a memory of the computing system to identify a routing number based on at least a portion of the one-time number; generating, by a generation module of the computing system, a data value, wherein the data value includes at least the identified routing number and the remaining value; and electronically transmitting, by a transmitting device of the computing system, the generated data value to an external system via payment rails associated with a payment network.

Abstract: A method for processing an encoded one-time number via payment rails includes: receiving, by a receiving device interfaced with a computing system, a one-time number, wherein the one-time number is comprised of at least an identification value and a remaining value; executing, by a querying module of the computing system, a query on a memory of the computing system to identify a routing number based on at least a portion of the one-time number; generating, by a generation module of the computing system, a data value, wherein the data value includes at least the identified routing number and the remaining value; and electronically transmitting, by a transmitting device of the computing system, the generated data value to an external system via payment rails associated with a payment network.

Abstract: Disclosed is a method for modifying transaction credentials. The method involves initiating a transaction at a receiving terminal, the transaction being defined by one or more transaction credentials and then transmitting mobile terminal data from a mobile terminal, via the receiving terminal, to a server, the mobile terminal data comprising a set of account data relating to the mobile terminal. Subsequently, the method involves extracting the set of account data at least partially from the mobile terminal data at the server and transmitting the set of account data from the server to an account manager, the set of account data being associated with a unique consumer account managed by the account manager. One or more transaction modifiers associated with the consumer account are then received at the receiving terminal which modifies at least one of the one or more transaction credentials based on the one or more transaction modifiers.

Abstract: Disclosed is a method for modifying transaction credentials. The method involves initiating a transaction at a receiving terminal, the transaction being defined by one or more transaction credentials and then transmitting mobile terminal data from a mobile terminal, via the receiving terminal, to a server, the mobile terminal data comprising a set of account data relating to the mobile terminal. Subsequently, the method involves extracting the set of account data at least partially from the mobile terminal data at the server and transmitting the set of account data from the server to an account manager, the set of account data being associated with a unique consumer account managed by the account manager. One or more transaction modifiers associated with the consumer account are then received at the receiving terminal which modifies at least one of the one or more transaction credentials based on the one or more transaction modifiers.

Abstract: A method for processing an encoded one-time number via payment rails includes: receiving, by a receiving device interfaced with a computing system, a one-time number, wherein the one-time number is comprised of at least an identification value and a remaining value; executing, by a querying module of the computing system, a query on a memory of the computing system to identify a routing number based on at least a portion of the one-time number; generating, by a generation module of the computing system, a data value, wherein the data value includes at least the identified routing number and the remaining value; and electronically transmitting, by a transmitting device of the computing system, the generated data value to an external system via payment rails associated with a payment network.

Abstract: A payment interface apparatus configured to facilitate a transaction comprising a request to update redemption points recorded in a customer redemption account, the payment interface apparatus comprising: an input port to receive the request to update redemption points recorded in a customer redemption account and data fields in support of the request; a processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the payment interface apparatus at least to: authenticate the request using a selection of at least the received data fields that are attributable to transaction specific parameters, the transaction specific parameters being data elements unique to the transaction; and effect the update in the redemption points recorded in the customer redemption account in response to successful authentication of the request.

Abstract: According to a first aspect of the present invention, there is provided a method for transmitting an electronic receipt from an intermediary terminal connected to a payment interface and a payment network, the method comprising: receiving, from the payment interface, transaction purchase data of purchases made via the payment interface and details of a payment instrument on which the purchases are made; transmitting, to the payment network, details of the payment instrument; receiving, from the payment network, personal detail data of an account holder of the payment instrument; generating an electronic receipt from the received transaction purchase data and the received personal detail data; and transmitting the electronic receipt to at least one electronic address, the at least one electronic address being determined from the received personal detail data.

Abstract: Disclosed is a method for modifying transaction credentials. The method involves initiating a transaction at a receiving terminal, the transaction being defined by one or more transaction credentials and then transmitting mobile terminal data from a mobile terminal, via the receiving terminal, to a server, the mobile terminal data comprising a set of account data relating to the mobile terminal. Subsequently, the method involves extracting the set of account data at least partially from the mobile terminal data at the server and transmitting the set of account data from the server to an account manager, the set of account data being associated with a unique consumer account managed by the account manager. One or more transaction modifiers associated with the consumer account are then received at the receiving terminal which modifies at least one of the one or more transaction credentials based on the one or more transaction modifiers.

Abstract: According to a first aspect, there is provided a method for enabling a communication link over which transaction data is transmitted between a mobile terminal and a receiving terminal, the method comprising: storing in a memory at the mobile terminal, the receiving terminal and a server administering the communication link, a generated unique identifier, the unique identifier used to facilitate the enablement of the communication link; creating a storage slot at the server administering the communication link, the storage slot being assigned the unique identifier and the storage slot used to store the transaction data; and enabling the communication link in response to the creation of the storage slot, wherein the communication link is utilised by both the mobile terminal and the receiving terminal by referencing the unique identifier to the server.

Abstract: According to a first aspect, there is provided a method for standardising communication between a plurality of redemption applications each configured to facilitate redemption of value added services, wherein the plurality of redemption applications are installed in a mobile terminal, and a processing application configured to process the value added services transmitted by the mobile terminal, the processing application being hosted on a receiving terminal, the method comprising: activating a bridging application, installed in the mobile terminal, to establish communication between the plurality of redemption applications installed in the mobile terminal and the processing application hosted on the receiving terminal, the communication facilitating the redemption of the value added services, wherein the bridging application standardises the communication by instituting a set of commands used by the plurality of redemption applications and the processing application to transmit and receive data that facilitat