Abstract: A data processing system for reconciling electronic transaction data is disclosed. The data processing system comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: receive refund transaction data indicating a refund transaction, the refund transaction data comprising an indication of an original transaction and an indication of a refund amount; look up original transaction data for the original transaction in a payment transaction database; generate reconciled transaction data from the refund transaction data and the original transaction data; and provide the reconciled transaction data to a user device.

Abstract: Data processing systems and methods for authenticating users are disclosed. In one embodiment a data processing system for authenticating a user of a device comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: determine authentication capabilities of the device, the authentication capabilities of the device comprising one or more authentication methods; determine a set of authentication options using the authentication capabilities of the device; send an indication of the set of authentication options to the device; receive an indication of a user selected authentication method from the device; generate an authentication data request corresponding to the user selected authentication method; send the authentication data request to the device; receive an authentication response from the device; and authenticate the user using the authentication response.

Abstract: A Secure Transaction System can receive a request to initiate a transaction from a payment application. The request can include merchant information obtained from a QR code generated for a merchant. The Secure Transaction System can search a merchant storage resource for corresponding contact information for the merchant identified by the merchant information and communicate a password over a communication channel using the contact information for the merchant. The password sent to the merchant can be provided to the payment application in some manner and the payment application can communicate the password to the Secure Transaction System, which determines whether the verification information satisfies conditions with respect to the password for the merchant and communicates confirmation to the payment application that the transaction can proceed when the verification information satisfies the conditions.

Abstract: A data processing system for reconciling electronic transaction data is disclosed. The data processing system comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: receive refund transaction data indicating a refund transaction, the refund transaction data comprising an indication of an original transaction and an indication of a refund amount; look up original transaction data for the original transaction in a payment transaction database; generate reconciled transaction data from the refund transaction data and the original transaction data; and provide the reconciled transaction data to a user device.

Abstract: A method for processing a cross-border payment includes receiving inbound payment data from a first financial institution located in a first country. The inbound payment data is in a first message format. The method further includes generating a payment request based on the inbound payment data such that the payment request is in the second message format, and processing the generated payment request. Processing comprises approving or declining the payment request. If the payment request is approved, the method further includes generating outbound payment data such that the outbound payment data is in the first message format, and sending the outbound payment data to a second financial institution located in a second country. A system for processing a cross-border payment is also provided.

Abstract: Data processing systems and methods for authenticating users are disclosed. In one embodiment a data processing system for authenticating a user of a device comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: determine authentication capabilities of the device, the authentication capabilities of the device comprising one or more authentication methods; determine a set of authentication options using the authentication capabilities of the device; send an indication of the set of authentication options to the device; receive an indication of a user selected authentication method from the device; generate an authentication data request corresponding to the user selected authentication method; send the authentication data request to the device; receive an authentication response from the device; and authenticate the user using the authentication response.

Abstract: A method and system for facilitating digital wallet based payment card transactions is provided. A server system associated with a payment network receives payment card information provided by a user to an online merchant in relation to online purchase transaction. The payment card information is associated with user consent to add a corresponding payment card to a digital wallet account. The server system creates a digital wallet account and adds the payment card to the digital wallet account if no record of the digital wallet account for the user exists at the server system. The server system adds the payment card to the digital wallet account using the payment card information if a record of the digital wallet account for the user exists at the server system. The server system facilitates processing of payment for the online purchase transaction based on the payment card information associated with the payment card.