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: 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: 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 computerized method for integrating actionable items using a messaging artificial intelligence. A first actionable item is provided to a user for selection. In response to the selection, a processor activates a messaging artificial intelligence (“AI”) for instantiation in a messaging software. The messaging AI interacts with the user in the messaging software as a function of the message and the action and obtains parameters for the action. The messaging AI determines to terminate the interaction and, once terminated, the messaging AI generates a second actionable item for execution by a data payload execution platform. The data payload execution platform executes the second actionable item to complete processing of the action in the first actionable item.

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

Abstract: The THIRD-PARTY VALUE ADDED WALLET FEATURES AND INTERFACES APPARATUSES, METHODS, AND SYSTEMS (“VAW”) facilitates allowing a third party service provider to integrate with an electronic wallet to provide a value-added service to a wallet consumer. The VAW may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Abstract: The AUGMENTED SMART TAG SECURITY APPARATUSES, METHODS AND SYSTEMS (“ASTS”) transform video and other media inputs of POS terminals and markers associated with tags and codes 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 mayverify 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 system for registering a user across different transactional platforms. A transaction server provides via an interface a first user interface (UI) requesting the user to provide information to register with a first transactional platform. A data store stores the provided information from the user in a user profile. The transaction server provides via the interface a second UI requesting the user to register a loyalty program via a communications network hosted by a second transactional platform associated with a merchant. In response to the user registering the loyalty program, the transaction server provides a portion of the stored information from the data store to the second transactional platform to complete registering the user to the loyalty program. The transaction server processes promotional transactions during checkout for the user via the transactional platform as a result of the information associated with the loyalty program in the user profile.

Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.

Abstract: The present system may allow a user to transfer data about a transaction card that has been entered in a payment application to be “on file” with a merchant. As a result, the consumer does not have to enter electronic payment information again as the data is transferred from the payment application to the merchant application where the card is then held on file.

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 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 THIRD-PARTY VALUE ADDED WALLET FEATURES AND INTERFACES APPARATUSES, METHODS, AND SYSTEMS (“VAW”) facilitates allowing a third party service provider to integrate with an electronic wallet to provide a value-added service to a wallet consumer. The VAW may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

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: A user can utilize a first application to register their accounts with an alias identifier at an intermediary server computer. At a later time, the user may request access to information stored at the intermediary server computer to conduct a transaction with a certain resource providing entity for the first time. The resource providing entity may retrieve stored user data associated with the user and may send the user data to the intermediary server computer, which can determine accounts of the user based on the received user data and provide account options to the user for the transaction. This eliminates the need for the user to enter any account information into a device during the transaction.

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 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: 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: The One-Click Checkout system (“OCC”) generates dynamic checkout user interfaces with improved checkout success rates. This may be achieved via receiving, by a merchant client (e.g., app or web site), a user input that reflects a user interest in engaging in a payment transaction with the merchant. The merchant client may retrieve persisted information associated with a suggested payment method registered with a payment service provider. The merchant client may transmit at least a portion of the persisted information and transaction information to the payment service provider server, and receive one or more responses that include a risk indicator and payment-service-provider information associated with the suggested payment method. If the risk assessment is acceptable, the merchant client may generate a user interface that includes a representation of the suggested payment method using information selected from one or both of the persisted information and payment-service-provider information.