Abstract: Systems and methods for validating a PIN (personal identification number)-less financial transaction request are provided. Transaction data from a card and an authentication key may be submitted by a merchant to a data center. The authentication key may be generated by the merchant and may be an alpha, numeric, or alphanumeric key that may be associated with business data between the merchant and the cardholder. At the data center, the authentication key may be authenticated by comparing the authentication key with a population of valid authentication keys associated with the merchant. If the authentication key is validated, the transaction request, e.g. product sale transaction, may be evaluated and a confirmation, e.g., approval or denial, may be subsequently sent back to the merchant.

Abstract: Methods and systems for determining a real-time or near-real time reconciliation list are disclosed. One or more datasets of inventory and financial transactions may be received from different locations of an enterprise or as a result of a payment processing function of the system. The data may combined, manipulated, and reconciled, thereby providing an accurate inventory list and payments processed.