A system and method uses one or more repurposed data fields in a payment transaction message to pass the merchant consumable data from a mobile device to the merchant system using an existing channel. The merchant consumable data relate to loyalty or rewards.

A device, system and method for mode-based synchronization of data records is provided. Booking data is received, at one or more computing devices, from one of a first and second client device. When received from the first client device, in a first order mode for the booking data, the device(s): cause an order management system (OMS) to generate: order data at a first database; and cause a legacy system to generate a corresponding passenger name record (PNR) at a second database, the corresponding PNR being slaved to the order data. When received from the second client device, in a legacy mode for the booking data, the device(s): cause the legacy system to generate, a PNR and/or ticket data at the second database; and cause the OMS to generate corresponding order data at the first database, the corresponding order data being slaved to the PNR and/or the ticket data.

A system software and method which relates to the field of computing technology or business process models or computer systems or distributed computer systems or computer networks relating to general purpose devices that can be programmed to carry out a set of data table or hash table updates, validations or modifications supporting, enabling or executing public and private services, financial transactions and commercial applications. More specifically, the present invention is directed to distributed and decentralized computing in which said distributed network is supported and encrypted by cryptographic technology, hash functions and distributed public or private keys or other related technology. System and methods for managing dynamic electronic documents on a private distributed ledger comprise establishing a dynamic electronic document comprising a first state object, wherein the state object references a prior approved first transaction; proposing a second transaction comprising as an input the first state object and as an output a transaction command to alter the state object as well as what parameters are required to validate the second transaction; validating the proposed second transaction; and updating the state object on a private distributed ledger to reference the second transaction.

A method for providing online security may include: (1) receiving, by a validation computer program executed by a trusted entity backend for a trusted entity, a call from a web browser executed on a customer electronic device browsing a webpage for an online entity, the call comprising an online entity identifier for the online entity and a session identifier, wherein the webpage for the online entity may include a hidden <iframe> comprising code that causes the web browser to execute the call; (2) confirming, by the validation computer program, that a cookie for the trusted entity may be stored on the customer electronic device; and (3) returning, by the validation computer program, a first value indicating that the customer electronic device is known to the trusted entity or a second value indicating that the customer electronic device is not known to the trusted entity based on the confirmation.

Aspects described herein may allow for determining network membership to facilitate detecting fraudulent messages. A computing device may receive, from one or more terminals at a first location, a plurality of interactive messages during a pre-determined time period. Each interactive message may comprise personally identifiable information of a user. The computing device may store a first record and a second record that indicate interactive messages were received from a group of users in temporal proximity to each other at the first location and the second location respectively. The computing device may send a request to confirm users in the subset are members of a network and update a membership list based on a reply received from the user. If further messages are received from devices outside the membership list, an alert may be sent to alert the possibility of a fraudulent message.

A computer software application (APP) is programmed into a smartphone. The smartphone allows a user to access various concessions and facilitate ordering items such as food, beverages, souvenirs, and memorabilia. The APP allows the user to input their seat location so the vendor can locate the user to deliver what has been ordered. The APP includes information concerning the user. The concessionaires all have a communication device allowing them to receive orders from users and to fulfill them.

A multi-function transaction card may include a card body having dimensions that are in accordance with a standard for transaction cards, an output device on the card body, and a secure element within the card body. The multi-function transaction card may pair, via a wireless connection, the multi-function transaction card with a terminal. The multi-function transaction card may receive, from the terminal, information associated with a transaction. The multi-function transaction card may generate, based on the information associated with the transaction, and using a cryptographic key, an authorization request cryptogram (ARQC), wherein the cryptographic key is stored in the secure element. The multi-function transaction card may generate, based on the ARQC, a machine-readable code. The multi-function transaction card may display, using the output device, the machine-readable code.

A method and a device for making available electric charge in order to charge an electronic card including a near-field communication module by way of a terminal. The terminal has what is known as a reader mode in which it is able to supply power to the card in near-field mode and receive data from the card. The method includes the following steps, on the terminal, set to reader mode, so as to generate an electromagnetic field able to charge such an electronic card: initializing the communication between the terminal and the card; receiving a message from the card, the message containing at least one datum telling the terminal that it should maintain the electric charge; and maintaining the electric charge while remaining in reader mode.

Method to generate onboarding flow for application starts with on-boarding server receiving request from electronic device to activate application. On-boarding server determines whether request is initial request. Request is determined to be initial request when minimal set of information associated with user is not stored in on-boarding server. When request is determined to be initial request, on-boarding server signals to electronic device to display request for minimal set of information associated with user which includes at least one of: user identification, legal name, phone number, or email address. Minimal set of information associated with user is then received and stored in on-boarding server. On-boarding server signals to allow initial access to application. Signaling to allow initial access includes signaling that user requires access to payment processing hardware to process user's physical payment instrument. On-boarding server receives default payment information entered using payment processing hardware. Other embodiments are also described.

A mobile device includes a display device; a processor; and a memory device configured to store instructions that, when executed by the processor, cause the processor to: present, by the display device, a user interface to a user of the mobile device for accessing a mobile online banking application; upon accessing the mobile online banking application, provide, by the display device, an option to a create a mobile wallet; responsive to receiving an indication to create the mobile wallet, provide, by the display device, a list of accounts held by the user; and receive a selection of at least one account from the list accounts to provision the at least one account to the mobile wallet for use in future mobile wallet transactions such that the at least one account from the list of accounts is auto-provisioned to the mobile wallet.