Abstract: A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to decrypt transaction card details included in a secure request message. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device.

Abstract: A computer system includes a database, a communication interface, and a processor. The processor is programmed to receive a request message from an issuer computing device. The consent message includes a client ID and encrypted transaction card details for a transaction card account. The processor is also programmed to decrypt transaction card details. The processor is also programmed to match the client ID to the transaction card details using a BIN mapping table stored in the database. Based on the mapping, the processor generates an issuer access token. The issuer access token is associated with the transaction card account. The processor stores the issuer access token in the database and transmits the token to the issuer computing device.

Abstract: A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to receive transaction card details from the cardholder computing device. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device.

Abstract: A multi-merchant portal that enables a user to access e-commerce stores is provided. Each e-commerce store has respective merchant categories browsable by the user at a customer device through the portal, each merchant category comprising products available for purchase from a respective merchant. In response to receiving a request from the customer device to switch access of the user browsing a selected merchant category of the first merchant in a first e-commerce store, to a second e-commerce store, the portal determines a system category corresponding to the selected merchant category using mapping data mapping merchant categories to system categories and then determines a destination merchant category of the second merchant in the second e-commerce store corresponding to the determined system category using mapping data mapping the system categories to the merchant categories. The portal switches user's access to the destination merchant category in the second e-commerce store.

Abstract: A method including receiving a query request for a registration status of a payment account number (PAN) with an electronic receipt service; determining, in reply to the query request, whether the PAN is registered with the electronic receipt service; determining an electronic receipt handling option associated with the PAN; and sending a response including at least an electronic receipt destination address, the electronic receipt destination address being an address to which an electronic receipt associated with the PAN of the query request is to be sent.

Abstract: A method for verifying a transacting entity includes: receiving a verification request including an entity identifier; transmitting a transaction amount; receiving a transaction message for a payment transaction including a controlled payment number, the transaction amount, and the entity identifier; transmitting at least two refund messages including the controlled payment number and a refund amount, where a total of the refund amount included in each refund message equals the transaction amount; receiving a verification message including the entity identifier and two or more return amounts; and verifying that the two or more return amounts correspond to the refund amounts included in the two or more refund messages.

Abstract: A method for providing insights based on merchant bidding includes: storing a plurality of transaction data entries, each including a merchant identifier and transaction data; receiving merchant bids, each being received from a different merchant and including a bid amount and corresponding merchant identifier; identifying a transaction metric based on the transaction data included in each transaction data entry; identifying a propensity to transact for each corresponding merchant identifier based on the transaction data included in each transaction data entry that includes the respective corresponding merchant identifier; determining a winning bid of the plurality of merchant bids based on a combination of the propensity to transact for the included corresponding merchant identifier and the included bid amount; and transmitting the account identifier included in the account profile to the merchant from which the winning bid was received.

Abstract: An enhanced smart refrigerator (ESR) for automatically populating a virtual shopping cart is provided. The ESR stores a purchase log including a purchase history of a target product. The ESR determines a current interval between a most recent delivery date and a proposed next delivery date based on the purchase history of the target product, and calculates a purchase propensity for the target product based on the current interval and the purchase history of the target product, and automatically adds the product to the virtual shopping cart for submission to a party for purchase of the target product if the purchase propensity meets a first criteria.

Abstract: A method of transaction between a mobile payment device and a vending machine is described, together with a system and elements of a system supporting such a method of transaction. The method comprises establishing wireless contact between the mobile payment device and the vending machine. Vending machine transaction details are established between the mobile payment device and the vending machine. These vending machine transaction details are sent to a vending platform associated with a payment infrastructure where the vending machine transaction is authorized. The vending platform then provides an authorization token for the vending machine transaction, allowing the vending machine to enable vending when the authorization token has been received.

Abstract: A voice-controlled computer system comprising a headset with a heads up display (HUD). When the system requires a user to verbally enter a character of an alphanumeric security code the system presents to the user on the HUD a plurality of different pairs of alphanumeric characters each containing a first character and an associated (pseudo) randomly generated second character. The first character of one pair is the code character to be entered, but for security reasons the user is required to verbally enter the second character associated with the code character, not the code character itself. The system deciphers verbal entry of the associated second character as equivalent to entry of the first character.

Abstract: According to one embodiment of the present disclosure, there is provided a method for receiving an electronic receipt of an electronic payment transaction into a mobile device, the method comprising: storing, into an installed application in the mobile device used to perform the electronic payment transaction, a unique transaction identity issued on the electronic payment transaction; generating, in a server, an electronic receipt issued on the electronic payment transaction; verifying that the electronic receipt matches against the unique transaction identity stored in the installed application; and receiving the electronic receipt into the mobile device in response to the verifying step determining that the electronic receipt matches against the unique transaction identity stored in the installed application.

Abstract: A method of initiating a consumer transaction using a human interaction device to read voice or human based gesture actions is disclosed. Video data is transmitted from a processing device to a display device. The video is monitoring for event data corresponding to a plurality of consumer products or services, and monitored event data is received in the processing device. A consumer is notified on the display device of an eligible consumer transaction. Voice or human based gesture actions are read with a human interaction device and are analyzed. If the voice or human based gesture actions conform to a predetermined set of requirements, then a consumer transaction for the plurality of consumer products or services is initiated.

Abstract: A method for verifying a transacting entity includes: receiving a verification request including an entity identifier; transmitting a transaction amount; receiving a transaction message for a payment transaction including a controlled payment number, the transaction amount, and the entity identifier; transmitting at least two refund messages including the controlled payment number and a refund amount, where a total of the refund amount included in each refund message equals the transaction amount; receiving a verification message including the entity identifier and two or more return amounts; and verifying that the two or more return amounts correspond to the refund amounts included in the two or more refund messages.

Abstract: A method for supplying payment credentials in a secondary payment opportunity includes: receiving a first data signal from a first computing device superimposed with at least payment credentials associated with a transaction account; electronically transmitting a second data signal to a second computing device superimposed with a payment opportunity request; receiving a third data signal from the second computing device superimposed with at least one payment opportunity; electronically transmitting a fourth data signal superimposed with the at least one payment opportunity; receiving a fifth data signal superimposed with an indication of one of the at least one payment opportunity; and electronically transmitting a sixth data signal to the second computing device superimposed with at least the indicated payment opportunity and the payment credentials.

Abstract: A method for providing insights based on merchant bidding includes: storing a plurality of transaction data entries, each including a merchant identifier and transaction data; receiving merchant bids, each being received from a different merchant and including a bid amount and corresponding merchant identifier; identifying a transaction metric based on the transaction data included in each transaction data entry; identifying a propensity to transact for each corresponding merchant identifier based on the transaction data included in each transaction data entry that includes the respective corresponding merchant identifier; determining a winning bid of the plurality of merchant bids based on a combination of the propensity to transact for the included corresponding merchant identifier and the included bid amount; and transmitting the account identifier included in the account profile to the merchant from which the winning bid was received.

Abstract: A multi-merchant portal that enables a user to access e-commerce stores is provided. Each e-commerce store has respective merchant categories browsable by the user at a customer device through the portal, each merchant category comprising products available for purchase from a respective merchant. In response to receiving a request from the customer device to switch access of the user browsing a selected merchant category of the first merchant in a first e-commerce store, to a second e-commerce store, the portal determines a system category corresponding to the selected merchant category using mapping data mapping merchant categories to system categories and then determines a destination merchant category of the second merchant in the second e-commerce store corresponding to the determined system category using mapping data mapping the system categories to the merchant categories. The portal switches user's access to the destination merchant category in the second e-commerce store.

Abstract: A method of acoustic-based data distribution includes recognizing a high frequency analog acoustic signal by an acoustic receiver of a mobile computing device. The high frequency analog acoustic signal includes a stream of sound that is outside the audible spectrum of a human, and contains encoded data. An analog-to-digital converter of the mobile computing device converts the recognized high frequency analog acoustic signal to a digital acoustic signal, and then a processor of the mobile computing device analyzes the digital acoustic signal to obtain the encoded data from the digital acoustic signal. The processor decodes the encoded data obtained from the digital acoustic signal to obtain information, and then a display device of the mobile computing device displays the information on the mobile computing device.

Abstract: A method of initiating a consumer transaction using a human interaction device to read voice or human based gesture actions is disclosed. Video data is transmitted from a processing device to a display device. The video is monitoring for event data corresponding to a plurality of consumer products or services, and monitored event data is received in the processing device. A consumer is notified on the display device of an eligible consumer transaction. Voice or human based gesture actions are read with a human interaction device and are analyzed. If the voice or human based gesture actions conform to a predetermined set of requirements, then a consumer transaction for the plurality of consumer products or services is initiated.

Abstract: A method for distributing context-based data using an acoustic receiving device and a high frequency analog acoustic signal is disclosed. The acoustic receiving device a high frequency analog acoustic signal. A high frequency analog acoustic signal is of a frequency of at least 21,000 Hz and contains encoded data. The high frequency analog acoustic signal is converted to a digital acoustic signal and then analyzed to obtain the encoded data. The data is decoded to obtain information, and the information is then displayed on the acoustic receiving device.

Abstract: A method for displaying product details on a consumer device includes: preparing digital media for display on the device; detecting whether the digital media includes at least one product available for purchase; receiving a plurality of product data sets, each set associated with a product identifier and product details for an available product, the product details including information to initiate a transaction for the product; identifying an index of products in the digital media, the index including for each product a display location and a product identification number; receiving an indication from a user identifying a selected product in the digital media based on a display location in the digital media of the product and/or selection from a listing of the product in the index; retrieving product details for the product based on the product identification number and the product identifier; and displaying the retrieved product details.