Abstract: A method for registering user identification data in an application service provider data repository is provided, where the application service provider provides web services for a plurality of customers, each customer having a plurality of users with respective user identification data. The method includes receiving user identification data from one of the users through a website associated with one of the plurality of customers, retrieving customer identification data based on a uniform resource locator assigned to the website, concatenating the user identification data and customer identification data to create a user key, and registering a user account within the data repository based on the created user key.

Abstract: A method for registering user identification data in an application service provider data repository is provided, where the application service provider provides web services for a plurality of customers, each customer having a plurality of users with respective user identification data. The method includes receiving user identification data from one of the users through a website associated with one of the plurality of customers, retrieving customer identification data based on a uniform resource locator assigned to the website, concatenating the user identification data and customer identification data to create a user key, and registering a user account within the data repository based on the created user key.

Abstract: A method for registering user identification data in an application service provider data repository is provided, where the application service provider provides web services for a plurality of customers, each customer having a plurality of users with respective user identification data. The method includes receiving user identification data from one of the users through a website associated with one of the plurality of customers, retrieving customer identification data based on a uniform resource locator assigned to the website, concatenating the user identification data and customer identification data to create a user key, and registering a user account within the data repository based on the created user key.

Abstract: Systems and methods for point of sale instant access are provided. In one aspect, a method for processing a payment transaction in real time is provided. The method uses a server system coupled to an input device, the input device is located at a point of sale (POS) of a merchant. The input device includes an Internet protocol (IP) address. The method includes capturing at the input device transaction data including an account number associated with a payment card used in the transaction and other information relating to the transaction, and receiving at the server system, directly from the input device, the transaction data. The method also includes processing, at the server system, the transaction data including determining whether to authorize the transaction, and communicating, directly from the server system to the input device, one of an authorization of the transaction and a denial of the transaction.

Abstract: A method for registering user identification data in an application service provider data repository is provided, where the application service provider provides web services for a plurality of customers, each customer having a plurality of users with respective user identification data. The method includes receiving user identification data from one of the users through a website associated with one of the plurality of customers, retrieving customer identification data based on a uniform resource locator assigned to the website, concatenating the user identification data and customer identification data to create a user key, and registering a user account within the data repository based on the created user key.

Abstract: A financial transaction card having a front side and a back side is provided and further includes a magnetic strip configured to retain data associated with a financial transaction card account, where the account is associated with the card, and a character grid printed on one of the front side and the back side. A method for securing transactions that are not made in person utilizing a financial transaction card are also provided.