Abstract: A computer-implemented method presents on a merchant checkout graphical user interface associated with a payment processor widget. The payment processor widget determines affiliations of a plurality of accounts and a plurality of issuers of a user. The payment processor widget via the merchant checkout graphical user interface defines at least one selectable graphic configured for receiving interactions of the user on the selectable graphic. In response to receiving the selection of the selectable graphic, the payment processor widget presents a field within the merchant checkout graphical user interface for receiving a credential from the user associated with an authentication widget of the particular issuer. The authentication widget communicates the credential to the particular issuer for authentication of the user. In response to receiving a successful authentication indicator from the particular issuer, the payment processor widget displays a message indicating that a transaction was approved.

Abstract: The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.

Abstract: A computerized method for integrating message-based services with external execution environments includes receiving from a first external execution environment a request to access message-based services of a messaging software. A processor determines whether the first external execution environment includes a pre-existing relationship with the messaging software. If no, the processor requests access to a second external execution environment on behalf of the first external execution environment. The processor receives a response from the second external execution environment granting the access; and the processor grants the request from the first external execution environment to access the message-based services in the messaging service while integrating services from the second external execution environment to the messaging software. If yes, the processor identifies parameters associated with the pre-existing relationship and grants the request from the first external execution environment.

Abstract: A system and method is disclosed. A network computer can receive an authorization request message comprising access data. The network computer can also receive product data for a transaction. The network computer can then determine an offset value based on the product data. The network computer can then perform additional processing based upon the offset value.

Abstract: A method comprising receiving file captured by the mobile device, determining a file format of the captured file, and extracting contextual data from the captured file. The method includes querying a data source associated with a reference and receiving validation information regarding the contextual data. The method includes generating and transmitting a message based on the validation information for use in determining whether to allow the mobile device to interact with an endpoint corresponding to the reference.

Abstract: A computer implemented method including receiving guest data corresponding to a transaction. The method determining a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method includes determining that the guest transaction total is greater than the predetermined threshold number of transactions and responding accordingly.

Abstract: A system and method which includes hardware and software is disclosed which may enable secure transactions from a vehicle.

Abstract: A computerized method for integrating message-based services with external execution environments includes receiving from a first external execution environment a request to access message-based services of a messaging software. A processor determines whether the first external execution environment includes a pre-existing relationship with the messaging software. If no, the processor requests access to a second external execution environment on behalf of the first external execution environment. The processor receives a response from the second external execution environment granting the access; and the processor grants the request from the first external execution environment to access the message-based services in the messaging service while integrating services from the second external execution environment to the messaging software. If yes, the processor identifies parameters associated with the pre-existing relationship and grants the request from the first external execution environment.

Abstract: A method receiving a text file including a network destination associated with the reference, where the text file being converted from a QR code image captured by the mobile device. The method includes determining a data source associated with the reference, sending a query to the data source requesting a trustworthiness evaluation, and receiving validation information regarding the trustworthiness evaluation based on matching the network destination to a known network destination in a database of known network destinations. The method includes generating a message based on the validation information and transmitting the message to the mobile device.

Abstract: Embodiments of the invention are directed to systems and methods of providing secure remote transaction (SRT) transactions. In some embodiments, a resource provider is able to embed a checkout element into a webpage that it hosts. The checkout element enables interaction between a user that has accessed the webpage and an initiator application server located remotely in order to complete a transaction while preventing the resource provider from gaining access to sensitive information. In some embodiments, the user's information may be determined by an initiator server and populated into the checkout element.

Abstract: The CONVERGED MERCHANT PROCESSING APPARATUSES, METHODS AND SYSTEMS (“CMP”) facilitates the generation of user accounts with merchants. The user may be logged into an electronic wallet or issuer account, and may initiate an account generation process with a one-click mechanism. The CMP may provide information to the merchant in order to facilitate the generation of the account after receiving data from the electronic wallet or issuer.

Abstract: A computer implemented method of payment. The method includes receiving, via a digital communication network, guest data corresponding to a transaction. The method also includes securely storing guest identifying information in a guest database and determining, via one or more processors, a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method also includes comparing, via the one or more processors, the guest transaction total to a predetermined threshold number of transactions and determining, via the one or more processors, that the guest transaction total is greater than the predetermined threshold number of transactions. Finally, the method includes, in response to the determination that the guest transaction total is greater than the predetermined number threshold number of transactions, removing a guest transaction option.

Abstract: A system and method which includes hardware and software is disclosed which may enable secure transactions from a vehicle.

Abstract: A dynamic button object managed by a financial institution that issues a payment device prevents third-party access to sensitive account data when linking the payment device to marketing documents provided by the third party. A payment processing server uses an alias for the sensitive data and configures a dynamic button object with the alias. The object may also include instructions to link the sensitive data to the alias and allow the payment processing server to monitor transactions with the third party. The payment processing server may then mediate communication between the consumer and the third party without exposing sensitive data.

Abstract: Merchants convert consumer account data to a common tokenized format by requesting wallet accounts for consumers not currently enrolled at a wallet platform. The tokenized card numbers replace merchant-stored personal account numbers (PAN) and allow merchants to use a common communication format for processing all transactions. When a consumer creates a new wallet account, existing ‘shadow’ accounts are added to the new wallet account.

Abstract: The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (DCB) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.

Abstract: The MULTI-DIRECTIONAL WALLET CONNECTOR APPARATUSES, METHODS AND SYSTEMS (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Abstract: Systems and methods are disclosed for making disbursements to one or more consumers via a hosted disbursement system. In accordance with an embodiment, a method can comprise receiving, at a merchant service provider, a request to make a disbursement to a consumer from a merchant. The request can be received from a merchant server and include disbursement information corresponding to the disbursement. The method can further comprise receiving, at the merchant service provider, a selection of a distribution option from the user, which corresponds to a type of account to receive the disbursement. The method can further comprise receiving, at the merchant service provider, account information from the consumer. The account information is sent to the merchant service provider from a user device, bypassing the merchant server. The method can further comprise processing the disbursement using the account information to transfer funds corresponding to the disbursement to the consumer.

Abstract: The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (DCB) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.

Abstract: The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.