Abstract: A method for authorizing a digital wallet transaction initiated by a consumer from a merchant web site or app includes providing an acceptance mark on a merchant landing page associated with the merchant web site or app for initiating the digital wallet transaction, the acceptance mark comprising a link to a host server accessing an acceptance network for authorizing payment, the acceptance network comprising a plurality of digital wallets. A wallet selector switch allows selection of a wallet, the transaction is routed to the selected wallet, a payment card and shipping address are selected and the transaction is redirected back to the merchant with purchase details for authorizing and completing the digital wallet transaction. The wallets can include federated and non-federated cobranded wallets and partner-hosted wallets. Direct provisioning with partner credentials and automatic update of consumer details is provided in a federated cobranded wallet.

Abstract: A method for facilitating an image-based transaction includes: capturing, by a first input device, an image of a product to be sold; receiving, by a second input device, product data corresponding to the product to be sold; identifying, by a processing device, a transaction identifier; encoding, by the processing device, the captured image with at least the identified transaction identifier; adding, to the encoded image, an indication of availability of the product to be sold such that user interaction with the encoded image will initiate a payment transaction for the product to be sold based on at least the encoded transaction identifier; and transmitting, by a transmitting device, at least the received product data, the identified transaction identifier, and the encoded image including the indication of availability.

Abstract: A method for facilitating an image-based transaction includes: capturing, by a first input device, an image of a product to be sold; receiving, by a second input device, product data corresponding to the product to be sold; identifying, by a processing device, a transaction identifier; encoding, by the processing device, the captured image with at least the identified transaction identifier; adding, to the encoded image, an indication of availability of the product to be sold such that user interaction with the encoded image will initiate a payment transaction for the product to be sold based on at least the encoded transaction identifier; and transmitting, by a transmitting device, at least the received product data, the identified transaction identifier, and the encoded image including the indication of availability.

Abstract: A method for facilitating a financial transaction includes: receiving, by a receiving device, product details associated with a product available for purchase, wherein the product details includes at least a product identifier, a purchase amount, and a merchant identifier; storing, in a database, the received product details; identifying a uniform resource locator (URL) corresponding to a webpage; and transmitting, by a transmitting device, the URL to a third party, wherein the product is available for purchase on the webpage and the webpage is configured to transmit, to the receiving device, an authorization request for a financial transaction, the financial transaction including at least the product available for purchase.

Abstract: Various consumer interface platforms are converged to facilitate user access to an electronic network of wallets. The functions of both remote and NFC payment, among other interface platforms, give the purchaser access to a single electronic wallet for online E-commerce and a variety of mCommerce scenarios, some including brick and mortar, face-to-face (F2F), and/or point-of-sale (POS) transaction payments. The network of wallets has a network operator intermediating payment transactions between merchants and wallet providers. In this way, the parallel consumer interface platforms, such as remote platform enabling e-commerce payments, an NFC platform, and/or others, into a single converged payment platform that is usable in either or both transaction settings.