Abstract: An onboarding system for onboarding merchants in real-time using digital activity client (DAC) data is provided. The onboarding system includes at least one onboarding computing device configured to generate one or more risk score rules based on a first set of DAC data received from a DAC computing device and one or more acquirer parameters received from an acquirer computing device. The onboarding computer device is also configured to transmit the one or more risk score rules to the DAC computing device, and receive a risk score for a merchant from the DAC computing device. The onboarding computing device is further configured to compare the risk score to a risk score threshold, and determine, based on the comparison, whether to approve or decline the merchant to onboard in the onboarding system.

Abstract: Systems and methods are provided for facilitating the automatic transmission of an electronic receipt to a user conducting a financial transaction at a computing device. The systems and methods described herein enable a series of operations whereby a user can conduct a transaction at a computing device and the computing device can automatically read user-account information and one or more electronic contact addresses which are stored in the memory of the user's personal transaction device. The system can also process the transaction and automatically transmit an electronic receipt to the electronic contact address providing an automated transaction experience that does not require the user to actively input an electronic contact address into the computing device in order to have the receipt transmitted electronically. In addition, the system thereby facilitates private transaction as opposed the unsecured and time-consuming process of manually entering a contact address.

Abstract: An onboarding system for onboarding merchants in real-time using digital activity client (DAC) data is provided. The onboarding system includes at least one onboarding computing device configured to generate one or more risk score rules based on a first set of DAC data received from a DAC computing device and one or more acquirer parameters received from an acquirer computing device. The onboarding computer device is also configured to transmit the one or more risk score rules to the DAC computing device, and receive a risk score for a merchant from the DAC computing device. The onboarding computing device is further configured to compare the risk score to a risk score threshold, and determine, based on the comparison, whether to approve or decline the merchant to onboard in the onboarding system.

Abstract: Systems and methods are provided for facilitating automatic provisioning of electronic records to a user conducting transactions at transaction terminals and using a variety of different transaction accounts. In particular, the transaction terminal can automatically capture a unique universal identifier (global ID) associated with the user. Using the global ID, the transaction terminal or another remote transaction processing system can provide transaction information to an independent server device for automatic record provisioning. In some implementations, based on the global ID, the server can identify an electronic contact address for the user and automatically transmit an electronic record to the user or otherwise provide the user with on-demand access to the record. The system thereby provides an automated transaction experience that does not require the user to actively input a contact address into the transaction terminal in order for the record to be automatically provided to the user.

Abstract: Systems and methods are provided for facilitating the automatic transmission of an electronic receipt to a user conducting a financial transaction at a computing device. The systems and methods described herein enable a series of operations whereby a user can conduct a transaction at a computing device and the computing device can automatically read user-account information and one or more electronic contact addresses which are stored in the memory of the user's personal transaction device. The system can also process the transaction and automatically transmit an electronic receipt to the electronic contact address providing an automated transaction experience that does not require the user to actively input an electronic contact address into the computing device in order to have the receipt transmitted electronically. In addition, the system thereby facilitates private transaction as opposed the unsecured and time-consuming process of manually entering a contact address.

Abstract: Systems and methods are provided for facilitating guided entry of a passcode. The exemplary guided passcode entry system provides additional security to traditional secret PIN or passcode entry systems by generating a randomized input sequence (order of entry) and prompting a user to input a passcode according to the randomized input sequence. The system also causes a test of the user's input data against a database of passcodes associated with the particular user for an exact match. The testing step can include comparing characters of the input data to a particular passcode associated with the user which is stored in a database in accordance with the randomized input sequence in regard to the order that the input data was received. Based on the comparison of the received passcode to the stored passcode, the system can advance a transaction with the user.

Abstract: Systems and methods are provided for facilitating the automatic transmission of an electronic receipt to a user conducting a financial transaction at a computing device. The systems and methods described herein enable a series of operations whereby a user can conduct a transaction at a computing device and the computing device can automatically read user-account information and one or more electronic contact addresses which are stored in the memory of the user's personal transaction device. The system can also process the transaction and automatically transmit an electronic receipt to the electronic contact address providing an automated transaction experience that does not require the user to actively input an electronic contact address into the computing device in order to have the receipt transmitted electronically. In addition, the system thereby facilitates private transaction as opposed the unsecured and time-consuming process of manually entering a contact address.

Abstract: Systems and methods are provided for facilitating the automatic transmission of an electronic receipt to a user conducting a financial transaction at a computing device. The systems and methods described herein enable a series of operations whereby a user can conduct a transaction at a computing device and the computing device can automatically read user-account information and one or more electronic contact addresses which are stored in the memory of the user's personal transaction device. The system can also process the transaction and automatically transmit an electronic receipt to the electronic contact address providing an automated transaction experience that does not require the user to actively input an electronic contact address into the computing device in order to have the receipt transmitted electronically. In addition, the system thereby facilitates private transaction as opposed the unsecured and time-consuming process of manually entering a contact address.

Abstract: Systems and methods are provided for facilitating guided entry of a passcode. The exemplary guided passcode entry system provides additional security to traditional secret PIN or passcode entry systems by generating a randomized input sequence (order of entry) and prompting the user to input the passcode according to the randomized input sequence. The system also causes a test of the user's input data against a database of passcodes associated with the particular user for an exact match. The testing step can include comparing the characters of the input data to a particular passcode associated with the user which is stored in a database in accordance with the randomized input sequence in regard to the order that the input data was received. Based on the comparison of the received pin to the stored pin, the system can advance the transaction with the user.

Abstract: A method of managing one or more identities in a transaction infrastructure uses a token identity. The user receives a physical token with a token identity known to a transaction authoriser. The user associates one or more transaction identities with the token identity. Before performing a transaction, the user may select one of the transaction identities when there is more than one of them, and identifies the selected transaction identity to the transaction authoriser. The user uses the physical token to perform a transaction with transaction apparatus associated with a transaction acquirer, whereby the transaction acquirer identifies the token identity to the transaction authoriser. The transaction authoriser then determines the selected transaction identity from the token identity, and establishes the transaction between an identity issuer for the selected transaction identity and the transaction acquirer. Suitable apparatus is described.

Abstract: Systems and methods are provided for facilitating guided entry of a passcode. The exemplary guided passcode entry system provides additional security to traditional secret PIN or passcode entry systems by generating a randomized input sequence (order of entry) and prompting the user to input the passcode according to the randomized input sequence. The system also causes a test of the user's input data against a database of passcodes associated with the particular user for an exact match. The testing step can include comparing the characters of the input data to a particular passcode associated with the user which is stored in a database in accordance with the randomized input sequence in regard to the order that the input data was received. Based on the comparison of the received pin to the stored pin, the system can advance the transaction with the user.

Abstract: Systems and methods are provided for facilitating guided entry of a passcode. The exemplary guided passcode entry system provides additional security to traditional secret PIN or passcode entry systems by generating a randomized input sequence (order of entry) and prompting the user to input the passcode according to the randomized input sequence. The system also causes a test of the user's input data against a database of passcodes associated with the particular user for an exact match. The testing step can include comparing the characters of the input data to a particular passcode associated with the user which is stored in a database in accordance with the randomized input sequence in regard to the order that the input data was received. Based on the comparison of the received pin to the stored pin, the system can advance the transaction with the user.