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: Data processing systems and methods for authenticating users and for generating user authentication indications is disclosed. In one embodiment, a data processing system for authenticating a user, comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: receive a user indication identifying a user; receive an authentication indication for the user, the authentication indication comprising a sequence of word-gesture pair indications, each word-gesture pair indication comprising a word indication and a gesture indication; look up a stored authentication indication for the user; compare the received authentication indication with the stored authentication indication; and generate an authentication result indication indicating the result of the comparison.

Abstract: A system and method for carrying out a transaction using a plurality of digital wallets, in a manner whereby benefits and/or perks of using each respective digital wallet is optimized in relation to a quantum of the transaction is provided.

Abstract: Systems and methods are provided for authenticating a user in connection with a network transaction by the user, based on a biometric combination for the user. One exemplary method includes receiving an authorization request for a network transaction by a user where the authorization request includes biometric data representing at least first and second biometrics of the user. The method also includes converting the biometric data to a personal identification number (PIN) specific to the biometric data, where the first biometric is converted to a first character of the PIN and the second biometric is converted to a second character of the PIN. The method further includes appending the PIN to the authorization request and transmitting the authorization request to an issuer, thereby permitting the issuer to approve or decline the network transaction based, at least in part, on the PIN included in the authorization request.

Abstract: According to a first aspect, there is provided an offer-and-acceptance matching server comprising: at least one processor; at least one memory including computer program code; and a communication port coupled to the processor the at least one memory and the computer program code configured to, with the at least one processor, cause the offer-and-acceptance matching server at least to: receive, through the communication port, a query to determine deals for fund offer, fund acceptance, or both, available within a provided distance; interrogate a database to determine one or more fund offer deals, one or more fund acceptance deals, or both that match the query, the database containing records of such deals registered with the database; and respond, through the communication port, to the query with the deals that are within the provided distance.

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 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 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: 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: Disclosed herein are devices and methods for generating stereoscopic views of the eye (or any desired anatomic structure) using a dual-camera portable computing device. The locations of the two cameras are fixed, and the camera lenses may have different focal lengths. For example, the focal length of the second camera lens may be longer than the focal length of the first camera lens. One variation of a detachable imaging system comprises an objective lens and a relay lens that are disposed over the two cameras. The relay lens may be disposed over the first and second cameras, and have a focal length that is greater than the focal length of the first camera lens and less than or equal to the focal length of the second camera lens.

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: 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: 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: 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.