A device implementing an express credential transaction system includes at least one processor configured to receive an indication that a payment applet for a service provider has been provisioned on a secure element of the device with a first attribute indicating that the payment applet can be utilized for a transaction without authentication associated with the transaction. The processor is configured to set the first attribute of the payment applet to indicate that authentication is required to utilize the payment applet when another payment applet for the service provider provisioned on the secure element of the device has an attribute that indicates the other payment applet can be utilized for the transaction without user authentication. The at least one processor is configured to control whether the user authentication is requested when utilizing the payment applet or the other payment applet, respectively, in transactions.

In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met.

Provided are a method and system for effecting a pre-paid redeemable transaction. The method comprises generating payment request data associated with a benefactor on a payer application; the payment request data comprises redeemable payment data associated with a predetermined beneficiary which is valid for a predetermined time period. The payment request data is forwarded from the payer application to a payment server. The payment server initates a payment transaction from a source account associated with the benefactor to a predetermined account in response to receiving the payment request data. The payment transaction is refunded to the source account from the predetermined account if the beneficiary fails to validate the redeemable payment data within the predetermined time period.

An aggregated programs platform provides consumers with the ability to manage and consolidate the benefits and offerings of the consumers' available affinity, rewards, loyalty, health and wellness programs. The aggregated programs platform provides consumers with the ability receive real-time benefits at a point of sale based on identified products for purchase being associated with particular program providers' programs. Additionally, the aggregated programs platform provides providers with access to consumers in an informed and focused way.

A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to card remote transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for card present transactions, so called skimming fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.

A method of manufacturing an electromechanical locker system may include providing a set of lockers with coin-operated locks. The coin-operated locks may be removed from the set of lockers. A conduit may be extended along and connected to a frame member from which the coin-operated locks had previously been positioned. Electromechanical lock units may be attached to the conduit so as to replace the coin-operated locks. A retrofitted coin-operated locker bank may include a coin-operated locker bank including a multiple lockers having respective doors, where the coin-operated locker bank is free of coin-operated locks. A conduit may be connected to a frame member and extend vertically adjacent to the hinged doors of a column of lockers. Multiple electromechanical lock units may be attached to the conduit so as to replace the coin-operated locks.

A method for identification of pre-approved products in a limited use account includes: storing, in a memory of a computing device, at least an account identifier; receiving, by an input device of the computing device, one or more product identifiers; electronically transmitting, by a transmitting device of the computing device, at least the account identifier and one or more product identifiers to a first computing system; receiving, by a receiving device of the computing device, an indication of at least one of the one or more product identifiers as a pre-approved identifier from the first computing system; and electronically transmitting, by the transmitting device of the computing device, at least the at least one product identifier indicated as a pre-approved identifier to a second computing system.

A fuel authorization system enables data to be exchanged between vehicles and a gated facility, to verify that the vehicle is authorized to enter the facility. The gated facility is equipped with a camera and a short-range radio (RF) component. Participating vehicles are equipped with fuel authorization component including a RF component that can establish a data link with the gated facility's RF unit. When the camera senses a vehicle in the fuel lane, an RF query is sent to the vehicle. Participating vehicles respond with an action perceivable by the camera. An RF data link is then established between the enrolled vehicle and the gated facility to verify that the vehicle is authorized to receive fuel. Once the verification is complete, the fuel dispenser is enabled.

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for receiving data from a giver at a first time, the data being used to identify a merchant at which a gift from the giver to a recipient is redeemable. The system presents a group of merchants associated with the data to the giver, each merchant of the group of merchants offering a promotion in connection with the gift. The system receives from the giver a selection of a chosen merchant from the group of merchants, the chosen merchant having an associated promotion. The system then generates a policy comprising the gift, the chosen merchant, and the associated promotion such that upon receiving an indication of a triggering event caused by the recipient, the system can apply the gift and the associated promotion according to the policy.

A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to card remote transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for card present transactions, so called skimming fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.