Abstract: Provided are an identity broker system and method for managing a national digital identification of a citizen. In one example, the method includes receiving, from a user device, an identity sharing request of a citizen including an identification of a service provider with which to share the identity, determining one or more digital identification credentials of the citizen that are to be shared with the service provider based on the identity sharing request, receiving an authorization from the citizen via the user device, the authorization including an approval for sharing the one or more digital identification credentials of the citizen with the service provider, and receiving the one or more digital identity components of the citizen from an identity record providing device, and transmitting the one or more digital identification credentials of the citizen to a service provider device based on the identification of the service provider.

Abstract: Provided are an identity broker system and method for managing a national digital identification of a citizen. In one example, the method includes receiving, from a user device, an identity sharing request of a citizen including an identification of a service provider with which to share the identity, determining one or more digital identification credentials of the citizen that are to be shared with the service provider based on the identity sharing request, receiving an authorization from the citizen via the user device, the authorization including an approval for sharing the one or more digital identification credentials of the citizen with the service provider, and receiving the one or more digital identity components of the citizen from an identity record providing device, and transmitting the one or more digital identification credentials of the citizen to a service provider device based on the identification of the service provider.

Abstract: Methods and apparatus for providing purchase intention and consumer preference data to merchants are described. In an embodiment, the process includes receiving, by a server computer from a device at a merchant location, consumer check-in data and then retrieving consumer preferences data and purchase history data. The method also includes retrieving merchant data indicative of items and/or services offered by the merchant, and determining purchase intention data indicative of an item or service that the consumer intends to purchase based on at least one of the consumer preferences data, the consumer purchase history data, and the merchant data. The process then includes transmitting the purchase intention data in real-time to a merchant device at the merchant location.

Abstract: Methods and apparatus are disclosed for attaching loyalty program data to an electronic payment in a payment processing network. In an embodiment, a method transmits, from a merchant to a bank network (BankNet), an authorization request comprising a primary account number (PAN) of a customer and routes the request to a payment card issuer. The method then identifies a loyalty program associated with the PAN and receives, at the BankNet, an authorization response comprising an indicator of the loyalty program. The method forwards the authorization response to an acquirer and sends the authorization response to the merchant. In another embodiment, a system transmits an authorization request and routes the authorization request to a BankNet in response to determining that a merchant is a member of a loyalty program. The system receives an authorization response comprising an indicator of the loyalty program, forwards the response to an acquirer and the merchant.