Abstract: Systems and methods are provided for use in authenticating a user in connection with a network transaction by the user, based on a biometric combination. One exemplary method includes receiving, by a computing device, an authorization request for a network transaction by a user where the authorization request includes biometric data representing at least a first biometric of the user and a second biometric of the user and transmitting the biometric data to a biometric registry, thereby permitting the biometric registry to verify the biometrics data. The method then also includes converting, by the computing device, the biometric data to a personal identification number (PIN) specific to the biometric data when the biometric data is verified and appending, by the computing device, the PIN to the authorization request.

Abstract: Systems and methods for facilitating authentication for payment transactions using pattern-based time bound passwords. More specifically, techniques disclosed herein enable authentication of payment transactions performed by a user at a merchant terminal based on a pre-registered pattern provided by the user within a pre-defined time period limit. The pre-registered pattern drawn in the pre-defined time period is registered as a password for authenticating any payment transaction performed by the user using a payment card which is associated with an account of the user in an issuing bank. If the user provides the pre-registered pattern within the pre-defined time period limit, the payment transaction is authenticated. In another embodiment, such pattern-based time bound password is used as a second level authentication in which first level authentication is performed by a personal identification number.

Abstract: A method and system are provided for handling a blockchain network based file storage system including a plurality of electronic devices.

Abstract: A method for facilitating transactions includes creation of a first virtual group, including a plurality of group members, by a server. The server adds, to the first virtual group, payment modes of the group members. The server receives a transaction request for a transaction associated with a first group member of the first virtual group. The server selects a first set of payment modes suitable for the transaction from the payment modes added to the first virtual group. The server renders, on a first device of the first group member, a graphical interface for presenting the first set of payment modes to the first group member for selection. The server initiates the transaction using a first payment mode selected by the first group member from the first set of payment modes. The first payment mode is associated with a second group member of the first virtual group.

Abstract: A method for facilitating peer-to-peer payments includes receiving, by a server, a payment request initiated by a payer for making a payment of an amount to a payee. The payment request includes social identifiers of the payer and the payee. Based on the social identifiers, the server retrieves a set of links or social graphs of the payer and payee. Based on the set of links or the social graphs, the server determines a first link that is indicative of a set of intermediaries connecting the payer and the payee. The server facilitates the transfer of the amount from a first financial account of the payer to a second financial account of the payee by a way of a set of intermediary financial accounts of the set of intermediaries indicated by the first link.

Abstract: A method of storing or searching data files on a plurality of cloud-based storage systems includes detecting an event on the electronic device indicative of storing at least one data file on a cloud-based storage, analyzing the at least one data file in response to detecting the event to extract a plurality of elements, mapping the plurality of elements to one or more rules stored in a memory of the electronic device, selecting at least one cloud-based storage for storing the at least one data file, and storing information corresponding to the at least one data file in the memory upon storing the at least one data file onto the selected at least one cloud-based storage for searching the at least one data file.

Abstract: A method for redeeming vouchers includes receiving, by a server, a voucher redemption request for redeeming a voucher and a first set of purchase requests for a first set of purchases. The voucher is associated with a voucher value. When the voucher is a discount voucher, the voucher value is a minimum purchase amount, and when the voucher is a gift voucher, the voucher value is a gift amount. The server selects one or more purchase requests from the first set of purchase requests such that a sum of purchase amounts associated with the selected one or more purchase requests is greater than or equal to the voucher value. The server initiates a redemption of the voucher against the selected one or more purchase requests.

Abstract: An electronic device is provided. The electronic device includes a memory, a communication circuitry, and a processor configured to transmit, a first signal for requesting to access an external device, to the external device, receive, a second signal for requesting to provide a token stored in the electronic device, from the external device, the token being generated based on at least part of a block chain including at least one block that is respectively associated with at least one external device that has been accessed by the electronic device, in response to the reception, transmit, information on the token, to the external device, receive, a third signal indicating allowed the access, from the external device, the third signal being transmitted from the external device in response to identifying, by the external device, to validate the token in all of the plurality of external devices, and access the external device based on the third signal.

Abstract: The invention provides systems, methods and computer program products for secure electronic payment transactions based on voice generated currency tokens. The invention comprises implementing at a voice currency platform server, the steps of (i) receiving from a payor terminal device a request for generation of a voice currency token, (ii) performing voice based biometric authentication by matching the voice data received from the payor terminal device against one or more voice based biometric templates associated with the payor voice currency platform account, (iii) performing speech analysis to extract at least the currency amount identified within the voice data received from the payor terminal device and (iv) generating an encrypted voice currency token.

Abstract: A method of facilitating a transaction with a payment card of a cardholder. The method includes receiving a deceptive PIN comprising a set of characters in which one character is a deceptive character. The deceptive character is different than each of a set of actual characters of an actual PIN of the payment card. The method includes identifying the deceptive character and a position of the deceptive character among the set of characters of the deceptive PIN. The method includes determining a reconstructed PIN by replacing the deceptive character with a corresponding actual character at the position in the deceptive PIN. The actual character is determined based on a predefined mathematical expression and a predefined value for the predefined mathematical expression. The method includes authenticating the reconstructed PIN by matching the reconstructed PIN with the actual PIN. The method further includes facilitating the transaction upon successful authentication.

Abstract: In one aspect, a method is provided for making a transaction, the method including receiving, at a merchant system: a basket for purchase; and a unique code identifying a user. The method also includes reading, using the merchant system, one or more biomarkers from the user and identifying, from a database, a stored code corresponding to the unique code and one or more stored biomarkers corresponding to the one or more biomarkers. The method further compares: the one or more biomarkers with the one or more stored biomarkers associated with the corresponding stored code; or, the unique code with the stored code associated with the one or more stored biomarkers. If there is a match, a transaction based on the basket for purchase is made using a payment vehicle associated with the corresponding stored code; or, if there is no match, the transaction is declined.

Abstract: A method for facilitating transactions is provided. Various users register their payment modes to avail a payment mode interchange service offered by a server for online purchases. During registration, the users specify corresponding offer amounts in exchange for allowing purchases of other users to be performed by using their payment modes. When an offer on a purchase is not applicable on a payment mode of a first user, the first user is recommended by the server to make the purchase by using a payment mode of a second user on which the offer is applicable. The payment mode of the second user is charged with a purchase amount of the purchase and the offer amount specified by the second user is billed on the payment mode of the first user. The second user receives the offer amount and the first user receives an incentive associated with the offer.

Abstract: Systems and methods are provided for use in authenticating a user in connection with a network transaction, based on a biometric personal identification number (PIN). One exemplary method includes intercepting a request associated with a network transaction. The request includes a series of biometric data associated with a user. The exemplary method also includes verifying the series of biometric data and converting, by the computing device, the series of biometric data to an actual personal identification number (PIN) where the actual PIN includes a series of characters. The method then further includes appending the actual PIN to the request, and transmitting the request to an entity, thereby permitting the entity to authenticate the user, at least in part, based on the actual PIN.

Abstract: A method and system for crediting a financial account of a user with an amount is provided. The amount is maintained in a lock mode for a set time period in the account. The crediting of the amount is based on a registration request received from the user. The user further provides the amount that the user wants to maintain in the account. Reward points are determined based on transaction history of a transaction card associated with the account and are blocked in the account based on the registration request. The reward points are settled as and when the user performs transactions in the set time period by way of the transaction card. The amount that is equivalent to the reward points is credited in the account of the user when the reward points are settled in the set time period.

Abstract: Embodiments provide a method of facilitating a payment transaction with a payment card of a customer. The method includes receiving a payment transaction request initiated at a merchant terminal. The payment transaction request comprising at least a merchant transaction amount associated with a purchase entered at a merchant terminal, a PIN of the payment card provided by the customer via a keypad and a customer transaction amount provided by the customer via the keypad. The method includes facilitating verification of facilitating verification of the PIN with a stored PIN. The method further includes, upon successful verification, determining whether the merchant transaction amount conforms to the customer transaction amount. The method further includes facilitating a payment transaction associated with the payment transaction request if the merchant transaction amount conforms to the customer transaction amount.

Abstract: The present disclosure generally relates to an electronic system and computerized method for processing recurring payment transactions. In various embodiments, there is a payment network server, a computerized method, and a non-transitory computer-readable storage medium comprising instructions for processing payment transactions between a consumer and a merchant, the payment transactions recurring over a series of recurring periods. The payment network server comprises a transaction module, a token management module, and an authorization module configured for performing steps of the method. The transaction module is configured for: receiving a request from the merchant for an instant payment transaction during an instant recurring period, the instant payment transaction request comprising details of a virtual payment instrument of the consumer and a payment amount for the instant recurring period.

Abstract: Embodiments provide a method of facilitating a payment transaction with a payment card of a customer. The method includes receiving a payment transaction request initiated at a merchant terminal. The payment transaction request comprises a merchant transaction amount associated with a purchase entered at the merchant terminal and a fingerprint tap input provided by the customer on a fingerprint input module, the fingerprint tap input indicative of a customer transaction amount associated with the purchase. The method includes facilitating verification of a fingerprint obtained from the fingerprint tap input of the customer by comparing with stored fingerprint of the customer. The method further includes, upon successful verification, determining whether the merchant transaction amount conforms to the customer transaction amount obtained from the fingerprint tap input.

Abstract: Methods and server systems for facilitating earning of reward points on payment card transactions by users are disclosed. An estimate of reward points earned by a user in a preset interval is determined based on payment card transactions previously executed by the user. At least one option associated with a respective reward point target and a predetermined award for achieving the reward point target is generated. The reward point target is greater than the estimate of reward points. Subsequent to the user selection of an option, reward points earned in each future preset interval for a predefined time duration are tracked. In response to achieving the reward point target associated with the selected option in each future preset interval for the predefined time duration, the predetermined award associated with the selected option is credited to a payment account associated with the user.

Abstract: A payment network server for processing a payment transaction for at least one ticket to an event is described. The server comprises a transaction module, an authorisation module and an access verification module. The transaction module is configured to: (i) receive a payment transaction request comprising at least a customer account identifier and a payment amount from a customer electronic device; and (ii) transmit a payment transaction response comprising at least the transaction identifier to the customer electronic device. The authorisation module is configured to transmit a request for authorisation to proceed with the payment transaction to an issuer server, where the request for authorisation comprises at least the customer account identifier and the payment amount, and where the payment amount is blocked in a customer account associated with the customer account identifier if the payment transaction is authorised.

Abstract: A method and system are provided for identifying a television content item desired by a television viewer from a set of television content items. Each of the television content items has one or more associated descriptors. The system receives from the television viewer a reduced text search entry directed at identifying the desired television content item. The search entry is a prefix substring of one or more words relating to the desired television content item. The system dynamically identifies a group of one or more television content items from the set of television content items having one or more descriptors matching the search entry as the television viewer enters each character of the search entry. The system then transmits the names of the one or more television content items of the identified group to be displayed on a device operated by the television viewer.