Abstract: A method, performed by an initiator system, for securely initiating a checkout with an enrolled device includes the steps of receiving, from an untrusted device, a checkout request including a user identifier; determining whether the user identifier is associated with one of a plurality of enrolled devices in an enrolled device database; responsive to a determination that the user identifier is associated with an enrolled device, retrieving user data associated with the user identifier; sending, to the untrusted device, a request for instructions to perform a checkout with the enrolled device; receiving, from the untrusted device, instructions to perform the checkout with the enrolled device; generating a request to perform the checkout with the enrolled device; and initiating a checkout by sending, to a communication system, a request to initiate a checkout with the enrolled device over a secure communications channel.

Abstract: A system and method for processing digital payments using a smart chip payment acceptance module associated with an Internet of Things (IoT) or vending device via a virtual EMV terminal process for cloud-based digital payment transactions. A short-range communication channel is provided between a mobile user device and the payment acceptance module. The mobile user device includes a wallet application with an integrated merchant application used to create a payment transaction. An unlock device enables digital secure remote payments (DSRP). A smart chip server connected to a payment gateway can generate an encrypted proof of payment (POP) message indicating completion of the payment transaction. The user can complete the payment transaction using the integrated wallet application within the user device in an online or offline mode of the vend device for seamless interaction with the system by a new user as well as improved flexibility for merchants and consumers.

Abstract: A method for carrying out a cryptocurrency blockchain transaction through an integrated circuit payment card using a multi-signature blockchain wallet includes: storing, in an integrated circuit of a payment card, a first private key of a first cryptographic key pair and a transaction account number; receiving, by the integrated circuit, a blockchain transaction from a point of sale device, the blockchain transaction including unspent transaction outputs, destination addresses, a cryptocurrency amount for each destination address, and a first digital signature generated using a second private key of a second cryptographic key pair; digitally signing, by the integrated circuit, the blockchain transaction using the first private key to generate a second digital signature; and transmitting, by the integrated circuit, the digitally signed blockchain transaction including the first digital signature and the second digital signature to the point of sale device.

Abstract: A method, performed by an initiator system, for securely initiating a checkout with an enrolled device includes the steps of receiving, from an untrusted device, a checkout request including a user identifier; determining whether the user identifier is associated with one of a plurality of enrolled devices in an enrolled device database; responsive to a determination that the user identifier is associated with an enrolled device, retrieving user data associated with the user identifier; sending, to the untrusted device, a request for instructions to perform a checkout with the enrolled device; receiving, from the untrusted device, instructions to perform the checkout with the enrolled device; generating a request to perform the checkout with the enrolled device; and initiating a checkout by sending, to a communication system, a request to initiate a checkout with the enrolled device over a secure communications channel.

Abstract: A system for initiating secure guest checkout includes an application server; and an untrusted user interaction device that is in communication with the application server. The untrusted user interaction device has a unique device identifier that is registered with the application server.

Abstract: A data processor implemented method for gamification of activity tracking to determine a reward is provided. The method includes obtaining activity tracking information from one or more activity tracking sensors, and comparing one or more associated activity tracking target with the obtained activity tracking information to generate an activity tracking level. The method also includes assessing the activity tracking level for determination of the reward, and interfacing with a payment gateway to make payment to an entity associated with the reward, wherein an amount of the payment is dependent on the reward.

Abstract: The present disclosure relates to methods and systems for conducting a transaction. The method comprises the steps of pairing a multi-sensory interactive point of sale with a mobile device at a first time. The step of pairing comprises the steps of receiving a transaction initiation instruction comprising identification data of a customer and an identifier associated with the multi-sensory interactive point of sale and transmitting authentication information to a mobile terminal registered to the customer based on the received identification data. The method further comprises the step of receiving a transaction selection. The method further comprises the step of processing a payment at a second time, wherein receiving the transaction selection occurs between the first time and the second time.

Abstract: A method and system for facilitating mobile payment for products includes: receiving a first container identifier encoded on a first container tag attached to a physical container for holding the products; receiving a wallet identifier corresponding to a digital wallet installed on a mobile device; linking a virtual container associated with the first container identifier to the digital wallet through the wallet identifier; receiving, from a checkout device, (i) a product identifier encoded on a product tag attached to each of the products held in the physical container and (ii) a second container identifier encoded on a second container tag attached to the physical container; and, when the first and the second container identifiers are identical, populating the virtual container with virtual products corresponding to each of the product identifiers received from the checkout device such that the mobile payment of the products can be made using the digital wallet.

Abstract: A data processor implemented method for authenticating use of an activity tracking device by a user is provided. The method includes obtaining a plurality of first markers, wherein each of the first markers includes a location and time-stamp of the activity tracking device when the activity tracking device is tracking at least one parameter of the user. The method also includes obtaining a plurality of second markers from a transaction data storage, wherein each of the second markers includes a location and time-stamp of an electronic transaction made by the user using at least one payment device of the user. The method further includes comparing the locations of the plurality of first markers with the locations of the plurality of second markers, and determining, based on the comparison, whether the activity tracking device is regularly in use by the user.

Abstract: A data processor implemented method for gamification of activity tracking to determine a reward is provided. The method includes obtaining activity tracking information from one or more activity tracking sensors, and comparing one or more associated activity tracking target with the obtained activity tracking information to generate an activity tracking level. The method also includes assessing the activity tracking level for determination of the reward, and interfacing with a payment gateway to make payment to an entity associated with the reward, wherein an amount of the payment is dependent on the reward.