Abstract: A computer device for monitoring for fraudulent activity, including (a) a plurality of sensors; and (b) 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 (i) receiving instructions to determine a confidence level; (ii) determining a confidence level by monitoring one or more of the following: sensor data; user behaviour; payment history; security level; connected devices; and location data; and (iii) returning said confidence level, wherein the confidence level represents a relative risk of fraudulent activity.

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: 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: There is provided methods and systems for approving a payment from a customer to a merchant. A merchant device, an approval server, a client device plus a method and system for configuring pre-approved payments from a customer to a merchant are also disclosed.

Abstract: Methods and systems for dispatching an order for a product. The method including the steps of: receiving, at a dispatch module, data corresponding to a completion time for provision of the product by a merchant; receiving, at the dispatch module, data corresponding to a receipt time for receipt of the product by a consumer; comparing the completion time and the receipt time based on the respective data; and dispatching the order to an execution module to initiate provision of the product on a condition that the receipt time is approximately equal to the completion time.

Abstract: There is provided a system and method for authentication and payment when a user is immersed in a virtual reality environment when wearing a head-mountable virtual reality viewer. The authentication and payment can be carried out without a need for the user to remove the viewer.

Abstract: A method for managing referral rewards of digital wallets is disclosed, the method comprising the steps of receiving at a digital wallet server, a referral-code and registration information for a referral digital wallet, where the registration information includes a first unique identifier and at least one primary account number (PAN) associated with a referral; sending from the digital wallet server, the first unique identifier and the PAN associated with the referral to an issuer server for checking if the first unique identifier exists in an issuer table; receiving at the digital wallet server, confirmation from the issuer server that the first unique identifier does not exist in the issuer table; receiving at the digital wallet server, reward data from the issuer server indicative of a reward; identifying at the digital wallet server, an affiliate digital wallet based on the referral-code; and crediting the affiliate digital wallet with the reward.

Abstract: A computer-implemented method for accumulating rewards for redemption is disclosed. The method comprises the steps of storing at a server a first digital wallet, where the first digital wallet is associated with a first standard rewards value, and storing at least one payment card number for a payment card issued by a first issuer where the first issuer has a first issuer server; receiving at the server a rewards value from the first issuer server; applying with the server a normalizing algorithm to the rewards value from the first issuer server to obtain a first normalized rewards value; and updating with the server the first standard rewards value by adding the first normalized rewards value to the first standard rewards value.

Abstract: A transaction system for performing a transaction relating to delivery of goods to a user by a delivery vehicle, the transaction system including at least one electronic payment processing device that receives a user payment request from a client device of the user, the user payment request being indicative of delivery parameters received by the client device from a delivery vehicle processing device, the delivery parameters being indicative of the respective delivery; and an account indication indicative of a user account associated with the user.

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: 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 generating map data, a system for generating map data and a method of creating a merchant map based on the generated map data are disclosed. The method of generating map data includes receiving transaction data from a merchant over a communications network, the transaction data including merchant identification data and a time-stamp of the transaction, determining a physical address of the merchant from the merchant identification data, mapping the physical address of the merchant to corresponding geographical coordinates using a geolocation database. The method further includes associating the geographical coordinates with the merchant's identity from the merchant identification data and storing the geographical coordinates, merchant's identity and time-stamp as elements of map data.

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: 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 is provided for processing an electronic payment.

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: Method and system for facilitating authorization of a transaction. The method comprises: generating a unique identifier for each the transaction, the unique identifier being generated at a server; providing transaction details to a mobile electronic device via the server, the transaction details associated with each the transaction and being provided after receipt of the generated unique identifier; and generating, at the mobile electronic device, a cryptogram, based on the unique identifier and the transaction details, for facilitating authorization of each the transaction. The system comprises server(s), point-of-sale terminal(s) and mobile electronic devices.