Abstract: The invention provides systems, methods and computer program products for asynchronous authentication of digital wallet based payment transactions. The invention enables secure authentication of contactless payment card based payment transactions that have been implemented through contactless communication between a payor device and a payment terminal device using near-field-communication. In various embodiments, the invention provides methods, systems, servers, and computer program products for authentication of a contactless communication protocol based digital wallet payment transaction, as substantially described herein.

Abstract: A computer implemented system and method is disclosed for providing a secure payment transaction between a customer and a merchant.

Abstract: A method and system are presented for making a secure payment transaction using a payment card associated with a consumer which has been registered with a digital wallet. A secure server is arranged, in response to a request from a merchant server in relation to the consumer, to extract from the digital wallet payment credentials for the payment card. The secure server uses the payment credentials and the identity of the merchant server to generate a token. The token is provided to the merchant. To effect a payment transaction, the merchant server returns the token to the secure server with details of the desired payment transaction, and the secure server arranges for the payment transaction to occur, and notifies the merchant server. The merchant server does not receive the payment credentials of the payment card during this process, so even if its security is compromised, the payment credentials are not at risk.

Abstract: The disclosure herein describes authentication of a user based on device-based user authentication data for transactions associated with a payment account. A service receives a registration message including device-based user authentication data and a payment account identifier. Based on the device-based user authentication data matching an authentication data type of issuer-approved data types, the device-based user authentication data is linked with the payment account. An authentication request associated with a transaction from the payment account is received including device-based user authentication data of the user.

Abstract: Described herein is a customer-initiated payment system that includes an electronic device of a customer, the electronic device including at least one processor configured to: (i) process, in response to input from the customer, a digital image of a machine-readable optical code of a merchant to determine corresponding merchant information and transaction information encoded in the machine-readable optical code; (ii) access a digital wallet of the customer's electronic device to determine a token that identifies a financial transaction account of the customer; (iii) process the determined information and token to generate a transaction request message representing an identifier of the merchant, a transaction amount, and the token of the customer; and (iv) send the transaction request message to a token server to request a financial transaction involving payment of the transaction amount from the financial transaction account of the customer to a financial transaction account of the merchant.

Abstract: A computer device for effecting an authentication procedure associated with a service provider or an application, including a plurality of sensors; and one or more processors in communication with the sensors and non-transitory data storage including, stored thereon, a plurality of instructions which, when executed, cause the one or more processors to perform the steps of (a) receiving an authentication procedure request; (b) determining a hierarchy of authentication processes for the authentication procedure; (c) selecting an authentication process from the hierarchy of authentication processes; and (d) executing the authentication process.

Abstract: Methods and systems for processing an electronic transaction between a cardholder and a merchant using a payment card carried out over a payment network are provided. An example method comprises receiving tokenization data including identification data associated with a token representing payment data of the payment card, and issuer data indicative of rewards information associated with the payment card; receiving a rewards inquiry request from a merchant terminal, where the rewards inquiry request comprises the token and where the token is associated with the payment data for making the transaction; determining the rewards information associated with the rewards inquiry request using the tokenization data; and transmitting the rewards information to the merchant terminal for preparation of a transaction request to an acquirer using the rewards information.

Abstract: A method for vehicle speeding self-detection and payment of an associated fine, the method including: a) in an on-board processing device, determining a speed indication indicative of the speed of the vehicle operated by a user; b) determining a speed limit indication indicative of a speed limit associated with a location of the vehicle with respect to a road network; c) determining if the speed of the vehicle exceeds the speed limit using the speed indication and the speed limit indication; d) in response to determining that the speed limit has been exceeded, determining a payment amount indicative of a discounted fine for exceeding the speed limit; and, e) causing the payment amount to be paid from an account of the user.

Abstract: A method of effecting an electronic transaction is described. The method includes receiving, through a merchant aggregator platform, a selection of one or more articles from a plurality of articles offered for purchase by a plurality of merchants on the merchant aggregator platform, wherein the platform is hosted by a merchant acquirer. Payment vehicle credentials of a payment vehicle are then passed to a payment gateway, and a vehicle representative (VR) is created at the payment gateway and associated with one or more credentials of the payment vehicle, the VR being usable by the merchant aggregator platform, in place of the one or more credentials, but from which the one or more credentials are indeterminable. The VR is then provided to the merchant aggregator platform through which a purchase request is received to confirm that the one or more articles have been purchased.

Abstract: A method is provided for processing an electronic payment.

Abstract: The present disclosure generally relates to an electronic system and computerized method for processing payment of transactions. In various embodiments, there is a payment network server for processing payment of transactions between a consumer and a merchant. The payment network server comprises a tokenization request module, an authorization module, a token management module, and a communication module.

Abstract: A computer implemented system and method is disclosed for providing a secure payment transaction between a customer and a merchant.

Abstract: A merchant system for passively closing a patron's pre-authorized tab, with an associated payment token, set up with a computer device in communication with the merchant system, said system including one or more processors in communication with data storage, said processors being configured to execute computer readable instructions stored on said data storage for performing the steps of (a) determining if the pre-authorized tab should be passively closed; (b) if the pre-authorized tab should be passively closed, then performing the steps of (i) generating a total amount spent on goods and/or service ordered by the patron; (ii) sending the total amount spent and the payment token associated with the pre-authorized tab to an online service for authentication so as to pay the merchant; and (iii) closing the pre-authorized tab.

Abstract: A method of associating a customer's mobile computer device with an order for goods and/or services taken by a waiter on a waiter's mobile computer device in a merchant's venue, including the steps of: (a) receiving data representing a customer's order for goods and/or services; (b) generating an order identification code; (c) generating a total amount payable for the goods and/or services ordered; (d) pairing the waiter's device with the customer's mobile computer device, said pairing resulting in generation of a pairing identification code; (e) receiving from the customer's device a device identification code; and (f) generating a transaction identification code based on (i) the order identification code; (ii) the device identification code and/or the pairing identification code; and (iii) the total amount payable; and (g) sending data representing the customer's order and the transaction identification code to a point of sale system to prepare the order.

Abstract: An apparatus for enabling a figurine for effecting a transaction is provided. The apparatus includes at least one processor, and at least one memory including computer program code. The at least one memory and the computer program code is configured to, with the at least one processor, cause the apparatus at least to receive a figurine identifier identifying the figurine, receive account information relating to an account to be linked to the figurine, retrieve authentication information corresponding to the account based on the account information, link the figurine to the account by associating the figurine identifier with the authentication information.

Abstract: There is provided an apparatus, system, server and method for carrying out a transaction. The apparatus, system, server and method enables positive authentication of a user, so that the transaction can be carried out.

Abstract: There is provided a system and method for triggering an electronic payment between a first entity and a second entity. The system and method can also be for triggering an electronic payment for a first entity. It should be noted that the system and method can aid individuals to adopt desirable behavioural traits or give up undesirable habits.

Abstract: There is provided an apparatus and method for carrying out payments for networked service devices. Payments are able to be carried out after both the networked service devices are authenticated, and after a cost of consuming a goods/service is determined.

Abstract: Systems, methods, and software products, fulfill a request through an online structure. The request for a request amount is received within the online structure from a requestor. The request amount is divided by a split amount to determine a chosen number of potential donors from which to request donations. The chosen number of potential donors are selected from a pool of potential donors and are each sent a request for the split amount in a communication based upon a protocol of the online structure and via a network of the online structure. A response, received from each of the selected chosen number of potential donors via the network using another communication of the protocol. When the response includes the donation amount, the donation amount is collected as received donations within the online structure. The received donations are sent to the requestor when the requested amount is fulfilled.

Abstract: There is provided a system and method for making payment within a digital messaging environment. The payment can be made without exiting from the digital messaging environment, and can be activated by typing pre-defined text in the digital messaging environment.