Abstract: Systems and methods are provided for use in facilitating payment account transactions, through consumer communication devices, at merchant locations. One exemplary method includes capturing a merchant indicator for a merchant in connection with a payment account transaction at the merchant for at least one product and receiving a checkout token for the payment account transaction from a person-to-merchant (P2M) engine. The checkout token is based, at least in part, on the captured merchant indicator. The method further includes transmitting a request for the payment account transaction at the merchant, where the request includes the checkout token, and whereby the consumer is permitted to purchase one or more products from the merchant, using the consumer's communication device and without interacting with a point-of-sale (POS) terminal.

Abstract: Embodiments of the disclosure enable a card issuer to deliver and deliver payment cards in an organized and secure manner. In one aspect, a computer-implemented method and system for delivering a payment card is provided. The method and system include identifying a location of a client device associated with a request for the payment card. A first zone about the client device is scanned for one or more objects in the first zone. A determination is made as to whether at least one predetermined object of the one or more objects is associated with the payment card. On condition that the at least one predetermined object is associated with the payment card, the payment card is delivered. Aspects of the disclosure enable a card issuer to activate and deliver payment cards in an organized and secure manner.

Abstract: Systems and methods are provided for processing transactions to payment accounts. One exemplary method includes receiving a transaction request from a merchant relating to a transaction between a consumer and the merchant, transmitting a verification message to the merchant including a verification code, and receiving a verified transaction request from the merchant. At least one of the transaction request and the verified transaction request includes a telephone number associated with the consumer and an amount of the transaction. The method also includes transmitting a confirmation request to the consumer including a confirmation code, when the verified transaction request includes said verification code. The method further includes receiving a confirmation response from the consumer and transmitting an authorization request for the transaction, when the confirmation response includes said confirmation code.