Abstract: A system and method for handling crypto-asset transactions includes: receiving from a payment processing system an electronic transaction request including: a payment token corresponding to a payment identifier associated with the customer account, and a transaction amount in a fiat currency; determining current price data corresponding to a first crypto-asset and a second crypto-asset associated with the customer account; associating the electronic transaction request with at least one data processing task for executing at least one crypto-asset transaction; and when at least one crypto-asset confidence condition is satisfied based on the current price data of at least one of the first crypto-asset or the second crypto-asset, generating signals for providing, via the payment processing system, an indication that the electronic transaction request is authorized without waiting for confirmation of execution of the at least one crypto-asset transaction in the respective distributed ledger.

Abstract: Techniques for performing data exchanges during voice call sessions is described. In one example, a network server may facilitate a voice call session between user devices and associate a unique session number (USN) to each of the voice call sessions. The USN may be used as a reference when toggling between voice call sessions. In one example, when a particular voice call session is toggled to an active state, the network server may limit recipients of sensitive financial information to be between transacting parties in the active voice call session. By isolating other user devices that are not privy to transactions in the active voice call session, the chances for a transacting party in the active voice call session to accidentally send payments, for example, to an unintended recipient can be substantially minimized.

Abstract: Systems and methods for secure mobile checkouts are disclosed. The system may include a secure mobile checkout device configured to scan products available in a merchant store. The device may scan the product to determine a product identifier. The device may transmit the scanned product data to a checkout application to retrieve product data corresponding to the product identifier. In device may initiate a transaction with a payment network to purchase the product, based on the product data provided by the checkout application. The payment network may process the transaction, and may authorize the purchase with the merchant.

Abstract: Systems and method for splitting a bill offline include detecting one or more local devices using local wireless communications provided by a peer-to-peer communication module. At least one payer device of the one or more local devices is selected for apportioning a primary bill. An offline payment authorization is then received from each at least one payer device through local wireless communications provided by the peer-to-peer communication module. When an Internet connection is later detected, the system provider connects to the Internet and sends the offline payment authorization received from each at least one payer device to a payment provider device over the Internet. The payment provider device may then transfer funds from account(s) of the at least one payer device to the account of the system provider.

Abstract: There is provided a method for use by a mobile device. The method includes launching a software application requiring an identity verification of each of a plurality of users for performing a requested action, the plurality of users including a first user and a second user, receiving a first biometric information of the first user and a second biometric information of the second user, sending the first biometric information of the first user and the second biometric information of the second user to a server, receiving notifications from the server as to whether the first and second biometric information corresponding to biometric information in first user and second user profiles, respectively, and performing the requested action, if the notifications indicate a match.

Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.

Abstract: A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.

Abstract: There are provided systems and methods for a network cache of device input for redundancy during device inoperability. A device may detect that the device is in danger of failure, for example, if a battery is low on the device, the device is damaged, or the device may lose network connectivity. On detection of such a condition, the device may request that a server that performs electronic transaction processing establish or trigger a mode that allows for caching of transaction data as input for the transaction data is entered to a device, which may be done by sending signaling to the server indicating the condition that affects the device's operability. The server may then cache input for the transaction data. If the device fails prior to approving and completing electronic transaction processing, the server may use the cached data to generate a digital ledger for another entity.

Abstract: In-vehicle payment system and method are provided. The in-vehicle payment system includes a first communication device configured to communicate with a payment terminal, a payment device configured to providing payment form information, and a body controller configured to, when receiving payment information from the payment terminal, perform payment processing in association with the payment terminal using the payment form information.

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.

Abstract: Methods for product authentication, which include: providing an article having a substrate with an analyte encoded composition; obtaining a sample of the composition; applying the sample to a test device to obtain test results, analyzing test results from the test device using an electronic device communicatively connected to an authentication authority, wherein the electronic device transmits the test device code and the test results to the authentication authority and confirms or denies authentication after comparison to an authentication database of authentic test results.

Abstract: A system includes a processor and a non-transitory computer readable medium coupled to the processor. The non-transitory computer readable medium comprises code that when executed by the processor, causes the processor to receive a money transfer amount indicative of an amount of funds to be transferred to a recipient. The processor generates a key code associated with the money transfer amount that is provided to a user of the system and given to the recipient by the user. The key code is programmed by the processor to enable the recipient to use the key code to redeem the amount of funds associated with the money transfer amount.

Abstract: A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.

Abstract: A processing device includes processing circuitry and non-volatile storage configured to store management information that identifies supervisor-subordinate relationships among users. The processing circuitry receives a request from a first user, wherein the request includes a request to alter access rights of a second user to a network resource. The processing circuitry establishes authorization of the first user to request access to the network resource based on information included in a directory services database, and retrieves management information associated with the first user and the second user from the non-volatile storage.

Abstract: Examples describe data security and routines structured to avoid conflicts. One example includes accessing data for a merchant website including a framework with a first routine for a function, and accessing an account security element for the merchant website with a second routine associated with an account security system for the function. The second routine is optimized to avoid conflicts with the first routine. The framework is automatically updated while the second routine is maintained with no changes. The merchant website data is then transmitted with the updated first routine and the account security element with the second routine, where the updated first routine and the second routine facilitate data security on the client device without framework conflicts when the updated first routine for the function and the second routine for the function operate concurrently on the client device.

Abstract: One or more devices, systems and/or methods for generating waste profiles are provided. For example, a graphical user interface may be controlled to display a waste profile interface. A request to generate a waste profile associated with waste may be received via the waste profile interface. The request may comprise waste parameters of the waste. One or more waste information databases may be analyzed to identify data records associated with the waste parameters. The waste profile may be generated based upon the waste parameters and the data records. An electronic waste transfer request, comprising the waste profile, associated with the waste, may be transmitted over a network connection to a second device associated with a waste facility. An acceptance message indicating that the waste facility accepts the waste or a rejection message indicating that the waste facility rejects the waste may be received from the second device.

Abstract: Systems and methods using a network of wearable devices to support secure payment for a user are described. The network of wearable devices may include a wearable secure unit including a first short-range transceiver, a wearable sensory unit including a second short-range transceiver, and a wearable communication unit including a third short-range transceiver and a long-range transceiver. The systems and methods may include receiving a transaction request from a merchant device. Thereafter, the systems and methods may obtain information from the wearable secure unit configured to provide an environment in which processes and data are securely stored and executed. The systems and methods may also obtain information from the wearable sensory unit configured to capture and compare biometrics of the user with a stored profile. Based on the obtained information, the systems and methods may instruct the wearable communication unit to transmit to the merchant device user authentication data.

Abstract: It is desirable for a merchant to not store customer PCI (Payment Card Industry) data in the merchant's system, because this would reduce cost and risk to the merchant. But the merchant still wants access to the customer primary account number (PAN) and other PCI data elements for customer authentication, customer relationship management, etc. Therefore, this specification discloses systems and methods that allow a pPOS (personal Point of Sale) device to create a mirror of the original transaction and provide that to the merchant. Then the merchant would still have access to the customer PAN and other PCI data elements, but there are no PCI or payment data in the mirror transaction, so cost and risk are reduced for the merchant.

Abstract: An integration platform provides a third party channel products from a merchant, so that the third party channel may cause an opportunity to be presented to a user to purchase one of the products. In response to an indication of a user purchase, the integration platform transmits a purchase request to the electronic commerce platform to create an order for the purchase. The integration platform may create a payment for the purchase with the merchant's payment processor and transmit the payment to the payment processor, update the order with the merchant's electronic commerce platform with the payment information, update the status of the order to shipped, and capture payment information by communicating with the payment provider. The merchant's electronic commerce platform may then update the order with the integration platform, which may notify the third party channel of the update so that update may be communicated to the user.

Abstract: Methods and systems of facilitating at least one purchase over at least one network between at least one buyer and at least one seller are disclosed. Personal information from the at least one buyer can be stored. The personal information can be utilized to assign at least one account identifier to the at least one buyer. The at least one buyer can use the at least one account identifier to process payment over the at least one network for the at least one purchase from the at least one seller, such that the at least one seller does not obtain the personal information of the at least one buyer.

Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.

Abstract: A communication device for sensing one or more biometric characteristics of a user. The device includes a cover structure, a layer of output pixel elements, a layer of biometric input pixel elements, and a processor. The cover structure includes an exterior surface. The layer of output pixel elements is positioned below the exterior surface and configured to provide an output through the exterior surface toward the user. The output pixel elements being at least one of light emitting pixel elements and piezoelectric-out pixel elements. The layer of biometric input pixel elements is positioned below the exterior surface to receive a reflected biometric input passing from the user through the exterior surface. The biometric input pixel elements being at least one of light detecting and piezoelectric-in pixel elements. The processor is connected to the biometric input pixel elements to process the reflected biometric input.

Abstract: A mobile device may include a location determination device, a mobile application, a plurality of wireless communication devices, and a user interface for the mobile application. The mobile device may be coupled, via wireless connections, with a wearable device to capture identification information of the object and a remote portal to determine whether a data warehouse coupled with the portal stores a predetermined type of data associating the identification information and the mobile device. If so, the mobile device may generate an alert on the mobile device and prompt the user to accept an operation related to the object. If the user accepts the operation, the mobile application may monitor the location of the mobile device and initiate the operation based on the location of the mobile device.

Abstract: A system for instant qualification cross channel offer targeting is disclosed. The system may receive a plurality of personally identifiable information (PII) elements from at least one of a customer device or an affiliate system. The system may determine a credit authorization state in response to the PII element. The system may receive a first request to generate an offer from at least one of the customer device or the affiliate system. The system may generate the offer in response to an offer optimization model, the credit authorization state, and the first request to generate an offer. The system may hash the plurality of PII elements and determine a unique hash based on the plurality of PII elements. The system may associate the unique hash to the offer and store the offer as offer data.

Abstract: Methods and systems described in this disclosure for protecting one or more consumer accounts. In one implementation, the system includes a security device and a portable computing device. The portable computing device detects whether it is in proximity to the security device. When the portable computing device is in proximity to the security device, one or more consumer accounts associated with the portable computing device is permitted to be used in a transaction. When the portable computing device is not in proximity to the security device, one or more consumer accounts is prevented from being used in the transaction.

Abstract: A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.

Abstract: A financial institution computing system associated with a financial institution includes an account management circuit. The account management circuit is configured to receive, by the network interface, a customer request to establish a checking account at the financial institution, create first and second checking accounts for the customer, the first checking account having a payment card associated therewith, the second checking account not having any payment cards associated therewith, receive, by the network interface, information regarding a funding amount for the first and second payment accounts, receive, by the network interface, information regarding a first expense of the customer, and fund the second account with a first portion of the funding amount based on the information regarding the first expense.

Abstract: Systems, apparatuses, and methods are provided herein for payments through point of sale systems. A system comprises a plurality of in-store POS systems, a user accounts database, and a merchant payment system configured to communicate with a plurality of user devices and a plurality of digital wallet provider systems. The merchant payment system comprises a control circuit configured to associate a user account with a plurality of digital wallet accounts in the user accounts database, wherein at least one of the plurality of digital wallet accounts is associated with two or more payment methods, receive a transaction request from a user device associated with the user account, select a digital wallet provider from the plurality of digital wallet accounts associated with the user account, and send a payment authorization request to a digital wallet provider system associated with the digital wallet provider for payment authorization.

Abstract: Provided is a system and method capable of automatically testing a website or application for an error in a user interface without human intervention. As an example, in a system for testing an error in a user interface of an application or website, a user interface system that includes a testable action recognizer that obtains a screenshot of a screen of the application or website, manages a layout and a test action based on user interface (UI) configuration and text recognition information from the screenshot, and a test action generator that receives the layout, selects a test scenario corresponding the layout, and performs a test action according to the test scenario, and in which the testable action recognizer manages whether or not a test is progressed for each screen layout according to the test scenario, is disclosed.

Abstract: Systems, methods, and computer-readable media for managing near field communications during a low power management mode of an electronic device are provided that may make credentials of a near field communication (“NFC”) component appropriately secure and appropriately accessible while also limiting the power consumption of the NFC component and of other components of the electronic device.

Abstract: Systems, computer program products, and methods are described herein for authentication decision engine for real-time resource transfer.

Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for providing P2P lending through mobile wallets. The P2P lending may utilize a central registry or be a fully distributed P2P system. In some examples, the use of a network accessible P2P loan service may simplify the discovery and communication with other mobile wallets throughout the process of obtaining a loan.

Abstract: Disclosed are methods and systems for associating payment card credentials with a companion application. In an embodiment, a consumer's mobile device processor receives an instruction to launch a companion application, displays a companion application user interface, and receives selection of an option to obtain payment card credentials from at least one wallet application. The process also includes displaying a list of payment card accounts associated with the selected wallet application for association with the companion application, receiving a selection of at least one payment card account, transmitting payment account credentials of the selected payment account to a wallet server computer, receiving a companion token representing a digitization of the selected payment card account from the wallet server computer, and associating the companion token with the companion application.

Abstract: The present disclosure generally relates to digital identification credential user interfaces.

Abstract: An electronic device generates a dynamic security code for a card transaction, e.g. a card not present transaction. The electronic device receives a user request to generate a dynamic security code. The electronic device sends a time request to a time source and receives a message including a time from the time source. The electronic device determines an authenticity of the message containing the time and computes the dynamic security code based on the time received in the message and a key stored at the electronic device. The electronic device causes the dynamic security code to be displayed on a display of the electronic device. The electronic device may be capable of computing a dynamic security code for a plurality of different cards. The electronic device may be a smart phone, a tablet, or a personal computer.

Abstract: A personal digital ID device provides a digital identifier to a service for a predetermined duration in response to user interaction. The user interaction may include a button press. The personal digital ID device may be in the form of a bracelet, a key fob, or other form factor. The service may be provided by a mobile device, in the cloud, or elsewhere.

Abstract: A method for providing interaction information, such as, for example, settlement information, by which a device provides the settlement information to a counterpart device, includes displaying an image which relates to an item to be used for performing the interaction, such as, for example, a credit card image of a credit card of a user of the device, on a lock screen of the device, and receiving a touch input from the user with respect to the credit card image. In the method, settlement information which corresponds to the touched credit card image is used for performing a settlement via the device.

Abstract: An improved system implements Fitness Gradient Consensus including hash distance and bucket consensus variations within a digital blockchain by calculating the highest fitness value among competing blocks to resolve conflicts and allocate the rewards associated with building new blocks. The consensus system applies conflict resolution formulas to incentivize block-building nodes to share blocks generated, as it completes construction, to improve chances of a reward, resulting in enhanced speed and security of blockchain. The hash distance consensus utilizes a hash distance scalar value as part of its fitness metric, and the bucket consensus assigns tokens to buckets and calculates an aggregate value of the assigned tokens. A trust-but-verify variant increases transactional throughput and reduces linearity and computational constraints.

Abstract: Physical cards may be presented to a mobile device to establish a contactless communication channel between the physical card and the mobile device. Information communicated by the physical card may be received, stored, and used by the mobile device to generate a mobile wallet of virtual cards. Each virtual card in a mobile wallet may, for example, look just like its physical counterpart card and may provide equivalent functionality as its physical counterpart card when selected for use by the mobile device. Virtual cards may be sorted within the mobile wallet based on card category (e.g., payment, identification, or gift card category), card attributes (associations with other virtual cards), card variables (e.g., credit limit or credit available), and user attributes and variables (e.g., the user's current location). Information related to a virtual card (e.g., receipts) may be viewed from a display of the mobile device.

Abstract: This application relates to apparatus and methods for identifying fraudulent transactions. In some examples, a computing device generates a decision matrix to identify fraudulent transactions. To generate the decision matrix, the computing device may determine scores for a plurality of transactions, and may determine transaction categories for each transaction based on the scores. The computing device may also determine a number of predictable features based on applying machine learning techniques to the transactions. A risk category is then determined for the number of predictable features. The computing device generates the decision matrix based on the transaction categories and the risk categories. In some examples, the computing device applies the generated decision matrix to an ongoing purchase transaction to determine if the ongoing purchase transaction is fraudulent.

Abstract: Implementations of the present specification provide techniques for transacting a stored value card for payment in a separate transaction between a user and a merchant. A stored value card of a card issuer applicable to the transaction between a user and a merchant is determined. An SVC graphics interface for transacting the stored value card is presented to the user, which corresponds to a merchant graphics interface for the transaction between the user and the merchant. The SVC graphics interface enables a transaction on the stored value card using an account of the user with a payment system. An identification information of the stored value card transacted through the SVC graphics interface is inserted onto the merchant graphics interface so that the SVC card is used in the payment for the transaction between the user and the merchant.

Abstract: Provided is a system, method, and apparatus for aggregated authentication in an online, open loop payment network. The method includes receiving a single authentication request message to conduct a plurality of transactions with a plurality of merchants, the single authentication request message comprising an aggregation identifier, detecting the aggregation identifier in the single authentication request message, in response to detecting the aggregation identifier, generating a single authentication response message comprising a plurality of authentication codes, each authentication code of the plurality of authentication codes corresponding to a merchant of the plurality of merchants, and communicating the single authentication response message to the merchant system, the single authentication response message configured to cause the merchant system to separately process each transaction of the plurality of transactions.

Abstract: Provided are an event monitoring apparatus and an event monitoring method that make it possible to set a proper threshold without handling monitoring target systems on an individual basis. There are included: a threshold determination program calculating degree of similarity between a ledger guide message and an event message, regarding a maximum value of the calculated degree of similarity as a first threshold, and setting a second threshold that is greater than the first threshold by a predetermined value; a ledger allocation program associating a ledger guide message having the degree of similarity intermediate between the first threshold and the second threshold with the event message; and a threshold evaluation program reporting the degree of similarity to a manager of a monitoring target system when the degree of similarity is higher than the first threshold.

Abstract: Embodiments are directed to performing a transaction using a third party mobile wallet, performing a transaction using a third party point of sale (POS) system and to making a purchase from a third party mobile wallet provided by a third party mobile wallet provider. In one scenario, a cloud-based transaction platform is provided, which receives communication from an agent terminal over a communication channel connected to the cloud-based transaction platform. The agent communication indicates that a customer desires to perform a mobile wallet transaction using their third party mobile wallet.

Abstract: Systems and methods are provided that authorize blockchain network transactions based on a work requirement. A blockchain network has a plurality of nodes. At least one node of the plurality of nodes is configured to determine whether a token has satisfied a work requirement. The work requirement represents participation of performing work within the blockchain network. The at least one node is further configured to approve a transaction as a function of determining that the work requirement has been satisfied and, to disapprove the transaction as a function of determining that the work requirement has not been satisfied. By enabling the transaction to be approved based on a work requirement, the token, for example, can be authenticated as having an inherent functional value. In this way, the blockchain network or token exchange can attest to the token not being a security, which would be subject to federal securities and regulations.

Abstract: A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.

Abstract: An electronic device is provided comprising: a user interface component configured to output stimuli and receive inputs; a connection component configured to transmit communications to other devices, one or more processors coupled to the user interface component and the connection component; and a computer-readable storage medium containing instructions, that, when executed by the one or more processors, cause the one or more processors to perform actions including: securely storing, at the electronic device, payment information associated with a payment account; detecting a proximate POS terminal; in response to detecting the proximate POS terminal, determining that a mechanical input authorizing a payment transaction has not been locally received at the electronic device within a time period; in response to the determination, presenting a stimulus indicating that the mechanical input has not been locally received; detecting, subsequent to the stimulus presentation, via the user interface component, a mechan

Abstract: A method for facilitating transaction card procurement includes receiving, by a server, a card procurement request for procuring a new transaction card. The card procurement request is initiated by way of a user device of a user and includes an identifier of a transaction card dispenser selected for procurement of the new transaction card. The server communicates a card dispensing request to the transaction card dispenser for confirming an availability of the first transaction card dispenser. The server receives, from the transaction card dispenser, an approval for the card dispensing request. Based on the received approval, the server communicates to the user device, a verification code that is to be used at the transaction card dispenser for procuring the new transaction card. The new transaction card is dispensed by the transaction card dispenser following a successful verification of the verification code.

Abstract: Systems and methods are disclosed for executing an electronic transaction using a digital wallet. One method includes receiving a guest checkout request and electronic transaction data from an electronic transaction browser. Whether a user is enrolled in the digital wallet system may be determined by the digital wallet system. The digital wallet system may authorize an electronic transaction based on the electronic transaction data upon determining the user is not enrolled in the digital wallet system. The digital wallet system may initiate a digital wallet enrollment upon authorizing the electronic transaction. The digital wallet system may store the user data in the digital wallet system and transmit a verification request to the electronic transaction browser. The digital wallet system may receive a verification response from the electronic transaction browser and may generate a digital wallet enrollment status message based on the verification response.

Abstract: Various embodiments are directed to a method and system for provisioning a merchant-specific payment apparatus, such as a temporary payment card, via a computing device, such as an automated teller machine (ATM). A user, such as a customer, may specify a merchant. A record of known payment acceptance types at that merchant may be returned, which may be used to determine what type of temporary payment card gets issued to the user.