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: 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 dynamic graphic 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 graphic 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: A blockchain based alias directory may be utilized. Encrypted lists of aliases may be stored on the blockchain and may be accessible to network computers and secure gateways. Embodiments are directed to secure gateways and user devices for accessing the alias directory stored in the blockchain during a financial transaction. The user device may be provided with a list of aliases from which a user may select a payment account. Upon selection the user may be redirected to an identity verification system of the associated payment network.

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: A central platform provides proxy dynamic values for any one of a number of a cardholder's portable payment devices, upon a request for such information made during a transaction. The proxy dynamic value can be provided to the merchant, who then can route it into the acceptance network in order to initiate the authentication process. The central platform provides the actual primary account number associated with the proxy dynamic value during the authentication process.

Abstract: A method comprising receiving a purchase action from a first user device associated with a user, creating and storing a first cookie associated with the purchase action. The method includes receiving, from a second user device, a request for cookie data related to products viewed on a platform other than the second user device, and identifying the first cookie in response to the request for cookie data. The method includes determining a platform type of the second user device, and generating a second cookie compliant with the platform type of the second user device. The method includes sending the generated second cookie to the second user device.

Abstract: The AUGMENTED SMART TAG SECURITY APPARATUSES, METHODS AND SYSTEMS (“ASTS”) transform video and other media inputs of POS terminals, NFC/RFID tags, QR/bar codes, and/or any associated contextual data via ASTS components into ways to validate the POS security and instructions/restrictions regulating access to and action on the data stored in the tags and codes. In one implementation, the ASTS receives from a user's device identifying markers of smart tag enabled point of sale devices. Upon receiving the markers, in some implementations, the ASTS may verify the security of the received smart tags and markers, and retrieve from the markers instructions and restrictions directed at the smart tag based transactions. In some implementations, the ASTS may provide authorization to the user device to proceed with the transaction according to the instructions and restrictions based on the security of the smart tags and the markers.

Abstract: A helper SDK embedded in a native application performs local operations on behalf of a web application affiliated with the helper SDK. The helper SDK may perform security functions such as fingerprint or face biometric verifications as well as access device-specific hardware such as a camera or secure memory. The web application may use an 0Auth technique for access and refresh tokens. In a transaction system, when a user is confirmed via the security function, order details are passed to the web application with a refresh token and ciphertext confirmation data is returned to the native application for completion of the transaction.

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 E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

Abstract: The REMOTE DECOUPLED APPLICATION PERSISTENT STATE APPARATUSES, METHODS AND SYSTEMS (“P-STATE”) transforms purchase action input, cookie states search criteria input, and cookie states selection input via P-STATE components such as cookie/states storage (“CSS”) component; cookie states search presentation (“CSSP”) component; and cookie/states reload/recreate (“CSRR”) component, into cookie state presentation outputs.

Abstract: The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

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: The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, 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.

Abstract: A machine learning engine dynamically reweights input factors as user outcomes are observed and compared to various offers and incentives provided to a large sampling of users. Further, post-selection purchase flows may be optimized by an artificial intelligence (AI) engine to dynamically generate purchase flows that are based on real time data and user segmentation. The AI engine may selectively introduce random variations to small populations to provide feedback for optimizing solutions.

Abstract: The SOCIAL CHECKOUT WIDGET GENERATION AND INTEGRATION APPARATUSES, METHODS AND SYSTEMS (“CWI”) transforms developer credentials, codes and parameter inputs via the CWI component into buy widgets, payment acceptance and purchase transaction outputs. In one embodiment, the CWI may facilitate obtaining a plurality of authentication parameters and widget customization parameters. The CWI may authenticate a user using a parameter derived from the plurality of authentication parameters and may dynamically generate a purchase widget for the authenticated user using the plurality of widget customization parameters.

Abstract: Embodiments of the invention are directed to systems and methods of providing secure remote transaction (SRT) transactions. In some embodiments, upon selection of a checkout element, a user may be identified with respect to a transaction to be completed. A number of accounts may then be identified in relation to that user. Upon selection of a particular account, the user may be authenticated using a facilitator application installed on a mobile computing device that supports authentication for the selected account. In some embodiments, the system may involve the use of a transaction-specific token generated upon receiving an authentication indicator from the facilitator application.

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: 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.