Abstract: A computer-implemented method may include: transmitting a public key to a merchant system, the public key of a payment device provider system; receiving a request for a prepaid amount from a user device of a user; in response to receiving the request, generating a cryptogram based on a payment device of the user, the prepaid amount, and a private key corresponding to the public key of the payment device provider system, the public key and the private key forming a public-private key pair associated with the payment device provider system; and transmitting the cryptogram to the user device, the cryptogram configured to authenticate the user device during an electronic payment transaction initiated by the user device with a merchant system.

Abstract: A method is disclosed. The method includes receiving from a user device operated by a user via a first channel, a user device identifier and a secret associated with the user. The method also includes storing a first token, the user device identifier, and a first channel identifier. The first token is associated a credential. The method also includes receiving, from the user device via a second channel, the user device identifier and the secret. The secret is subsequently validated. After the secret is validated, the server obtains a second token based on the first token and stores the second token, the user device identifier, and a second channel identifier. The second token is associated with the credential.

Abstract: The method includes receiving, by a server computer from a first user device, transfer data regarding a receiver operating a second user device. The server computer can transmit a verification request message to a wallet aggregator computer. The server computer can then receive a verification response message from the wallet aggregator, the verification response message including an account identifier of the receiver. The server computer can then transmit a confirmation request message to the first user device and receive a confirmation response message. The server computer can then send a transaction message including the receiver's account identifier.

Abstract: A system and method are disclosed. The method comprises receiving, by a server computer from a first user device, transfer data regarding a receiver operating a second user device. The server computer can transmit a verification request message to a wallet aggregator computer. The server computer can then receive a verification response message from the wallet aggregator, the verification response message comprising an account identifier of the receiver. The server computer can then transmit a confirmation request message to the first user device and receive a confirmation response message. The server computer can then send a transaction message (e.g., an OCT message) comprising the receivers account identifier.

Abstract: A method is disclosed. The method includes receiving from a user device operated by a user via a first channel, a user device identifier and a secret associated with the user. The method also includes storing a first token, the user device identifier, and a first channel identifier. The first token is associated a credential. The method also includes receiving, from the user device via a second channel, the user device identifier and the secret. The secret is subsequently validated. After the secret is validated, the server obtains a second token based on the first token and stores the second token, the user device identifier, and a second channel identifier. The second token is associated with the credential.

Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.

Abstract: A method and system is provided for processing a remittance using a recipient alias. The method includes receiving, by a server computer associated with a processing network from an authenticating entity, transaction data for a transfer request. The transaction data includes a transfer amount and a recipient alias of a recipient. The method further includes querying a database using the recipient alias; holding the transfer request for a predetermined amount of time upon determining that the recipient alias is missing from the database; identifying a recipient account identifier in the database associated with the recipient alias during the predetermined amount of time; generating a transfer request message including at least the recipient account identifier and the transfer amount; and transmitting the transfer request message to an issuer computer of an issuer of the recipient account identifier, wherein the issuer notifies the recipient of the transfer amount.

Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.

Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.

Abstract: A system and method are disclosed. The method comprises receiving, by a server computer from a first user device, transfer data regarding a receiver operating a second user device. The server computer can transmit a verification request message to a wallet aggregator computer. The server computer can then receive a verification response message from the wallet aggregator, the verification response message comprising an account identifier of the receiver. The server computer can then transmit a confirmation request message to the first user device and receive a confirmation response message. The server computer can then send a transaction message (e.g., an OCT message) comprising the receivers account identifier.

Abstract: The present technology is a hybridized user interface model where different interaction methods work together in concert to make public conference calling devices much easier to use. The interaction on the device consists of voice UI together with physical capacitive touch interaction (variable function based on context), as well as remote control from any personal computing device, i.e. mobile phone, tablet, laptop computer, etc.

Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.