Abstract: A payment device for conducting a transaction is provided. The payment device includes a device substrate, a payment device identifier visibly located on the device substrate, and a data storage region contained on or within the payment device. The payment device identifier does not include information identifying an issuer for the payment device. The data storage region comprises a first data storage sub region containing data corresponding to the payment device identifier, and a second data storage sub region electronically isolated from the first data storage sub region and containing data identifying the issuer of the payment device.

Abstract: A method is disclosed. The method comprising receiving, by a processor computer from a coordination computer, a push transfer instruction message comprising a recipient address associated with a recipient, a data item, and a time period for transferring the data item to a recipient account associated with the recipient address. The method also includes storing, by the processor computer, the push transfer instruction message. After the time period, the push transfer instruction message comprising the data item is transmitted to a recipient authorizing entity computer associated with the recipient address to transfer the data item.

Abstract: A method is disclosed. The method comprising receiving, by a transfer application on a first user's device, a payload comprising a digital tag associated with a second user, a transaction identifier, and a transaction amount. Transmitting, by the transfer application to a digital tag computer, the digital tag associated with the second user. Receiving, by the transfer application from the digital tag computer, a primary account number or token associated with the digital tag and transmitting, by the transfer application to an acquiring computer, a push transfer message.

Abstract: A method is disclosed. The method comprising receiving, by a processor computer from a coordination computer, a push transfer instruction message comprising a recipient address associated with a recipient, a data item, and a time period for transferring the data item to a recipient account associated with the recipient address. The method also includes storing, by the processor computer, the push transfer instruction message. After the time period, the push transfer instruction message comprising the data item is transmitted to a recipient authorizing entity computer associated with the recipient address to transfer the data item.

Abstract: A method is disclosed. The method comprising receiving, by a processor computer from a coordination computer, a push transfer instruction message comprising a recipient address associated with a recipient, a data item, and a time period for transferring the data item to a recipient account associated with the recipient address. The method also includes storing, by the processor computer, the push transfer instruction message. After the time period, the push transfer instruction message comprising the data item is transmitted to a recipient authorizing entity computer associated with the recipient address to transfer the data item.

Abstract: A method is disclosed. The method comprising receiving, by a processor computer from a coordination computer, a push transfer instruction message comprising a recipient address associated with a recipient, a data item, and a time period for transferring the data item to a recipient account associated with the recipient address. The method also includes storing, by the processor computer, the push transfer instruction message. After the time period, the push transfer instruction message comprising the data item is transmitted to a recipient authorizing entity computer associated with the recipient address to transfer the data item.

Abstract: A technique for enabling non-native accounts to be processed by a processing system may include receiving an account identifier scheme that is used by a third-party entity to provide access to accounts associated with the third-party entity, and assigning an entity identifier to the third-party entity in which the entity identifier conforms to a native format used by the processing system. An application programming interface can be modified to recognize account identifiers of the third-party entity. A transaction request can be received to execute a transaction in which the transaction request includes a resource provider identifier of the third-party entity and an account identifier of an account of the third-party entity. The entity identifier assigned to the third-party entity can be determined using the modified application programming interface, and the transaction can be processed using the entity identifier assigned to the third-party entity.

Abstract: A new processing method is disclosed. The processing method includes receiving by a server computer, an update request message from a first authorizing computer for an interaction between two users. The update may be a transfer of interaction value from a first user to a second user, and may include such interaction details as the interaction value and information for a one-way token. The server computer may parse the update request message to determine the one-way token, and may determine a second account of the second user from the token. The server computer may determine a second authorizing computer associated with the second account, and may modify the update request message to include a second user account identifier as well as value adjustments based on calculated interaction velocities. The server computer may forward the update request message to the second authorizing computer for updating the account accordingly.

Abstract: A payment device for conducting a transaction is provided. The payment device includes a device substrate, a payment device identifier visibly located on the device substrate, and a data storage region contained on or within the payment device. The payment device identifier does not include information identifying an issuer for the payment device. The data storage region comprises a first data storage sub region containing data corresponding to the payment device identifier, and a second data storage sub region electronically isolated from the first data storage sub region and containing data identifying the issuer of the payment device.

Abstract: Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.

Abstract: A payment device for conducting a transaction is provided. The payment device includes a device substrate, a payment device identifier visibly located on the device substrate, and a data storage region contained on or within the payment device. The payment device identifier does not include information identifying an issuer for the payment device. The data storage region comprises a first data storage sub region containing data corresponding to the payment device identifier, and a second data storage sub region electronically isolated from the first data storage sub region and containing data identifying the issuer of the payment device.

Abstract: Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.

Abstract: Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.

Abstract: A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions.

Abstract: A payment device for conducting a transaction is provided. The payment device includes a device substrate, a payment device identifier visibly located on the device substrate, and a data storage region contained on or within the payment device. The payment device identifier does not include information identifying an issuer for the payment device. The data storage region comprises a first data storage sub region containing data corresponding to the payment device identifier, and a second data storage sub region electronically isolated from the first data storage sub region and containing data identifying the issuer of the payment device.

Abstract: A system, apparatus, and method for providing and using a payment account or payment device identifier when conducting a transaction. The bank identification number (BIN) is decoupled from the primary account number (PAN) or other form of device identifier when generating the payment account or payment device identifier. The payment account or payment device identifier is used to access information regarding the issuer, with that information being used to route a transaction authorization request message to the appropriate entity.

Abstract: Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.

Abstract: Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.

Abstract: Embodiments are directed to systems and methods related to updating a balance on a portable device through a load transaction process. In some embodiments, a transaction request message with a load indicator contained on a transaction amount data field may be sent from an access device to an issuer. The requested load amount may be contained in another data field. The load indicator in the transaction amount data field may prompt the issuer to recognize the transaction request message as a load transaction message. Thus, clearing and settlement processes need not be performed between the acquirer and the issuer. Upon confirming that a payment account identified in the transaction request message has sufficient funds, the issuer generates a transaction response message approving the load transaction. The transaction response message may include a script for updating the balance on the portable device.

Abstract: Embodiments of the invention are directed to apparatuses, systems, and methods that allow for personalized data to be embedded in a primary account number associated with a consumer device. In one embodiment, a consumer device comprises a body and personalized data embedded into a primary account number, associated with the body. The primary account number includes a bank identification number and the bank identification number and the personalized data overlap.