A system and method for a secure remote payments process and for generation of one-time only remote payment cards is presented. Use of the one-time payment (OTP) cards can use multi-factor authentication where one factor is a biometric technique. A process can include generating an OTP card number based on a first encryption algorithm, an expiry date, and a security code based on a second encryption algorithm. A purchase amount, and the OTP card information are decrypted by an issuer to approve payment for a remote payment, after which the OTP card is no longer valid.

A computer-implemented method for providing payment account information in a user account by receiving payment card information by a card reader at a point of sale. An account can be created when the payment card information is read by the card reader. Optionally, a gift card can be scanned prior to the creation of the account, and the gift card information can be combined with the payment card information. The gift card can be an electronic gift card which can be personalized with textual, visual, video, and/or audio portions.

A computer-implemented method for providing payment account information in a user account by receiving payment card information by a card reader at a point of sale. An account can be created when the payment card information is read by the card reader. Optionally, a gift card can be scanned prior to the creation of the account, and the gift card information can be combined with the payment card information. The gift card can be an electronic gift card which can be personalized with textual, visual, video, and/or audio portions.

Provided is a method for providing a mobile gift card issuance service, and a server apparatus and a system therefor, the method including the steps of: receiving, from a product terminal, product information on a product for which a mobile gift card is to be issued; generating a random number corresponding to the received product information; generating a code by using the generated random number; associating the generated random number and code with the product information and storing the same as mobile gift card information; and transmitting the mobile gift card information to a sales channel server.

A computer-implemented method for providing payment account information in a user account by receiving payment card information by a card reader at a point of sale. An account can be created when the payment card information is read by the card reader. Optionally, a gift card can be scanned prior to the creation of the account, and the gift card information can be combined with the payment card information. The gift card can be an electronic gift card which can be personalized with textual, visual, video, and/or audio portions.

A gift card system and method for purchasing gift cards at a kiosk is disclosed. The system/method includes a gift card distribution kiosk located at a retail establishment that provides a user with access to a multitude of different forms of gift cards that may be purchased and printed onto a customizable card with a personalized message. The kiosk includes a kiosk processor interface, a gift card dispenser, a card reader and gift card management server connected to a network. The gift card management server, through the kiosk processor interface, provides vendor options to users to select and pay via the card reader. In another embodiment, the kiosk is used to redeem unused user gift cards for a reduced value user selected gift card, reduced cash value, full value store card, rewards points, bank debit, and/or electronic code user towards online purchases.

A short-term certificate is disclosed. The method receives a request for a short-term certificate to be generated from a credit account of a first party and provided to a second party, the request includes an amount allocated to the short-term certificate and an identifier for the second party. A part of the credit account is allocated to cover the value of the short-term certificate. The short-term certificate is generated and provided to the second party. However, no funds are taken from the credit account of the first party until the short-term certificate is redeemed.

A short-term authorized pass is disclosed. The method receives a request for a short-term authorized pass to be generated from a credit account of a first party and provided to a second party, the request includes an amount allocated to the short-term authorized pass. A sub-account is generated from the credit account by allocating a part of the credit account to form the sub-account. The credit limit on the sub-account is set to the amount identified by the first party, a virtual account number (VAN) is assigned to the sub-account, and the VAN of the sub-account is linked to the credit account. The short-term authorized pass is generated, using the VAN of the sub-account, and is provided to the second party. However, no funds are taken from the credit account of the first party until the short-term authorized pass is used.

Systems and methods for processing transactions using a digital payment platform.

The present disclosure and related inventions describe a system and method by which gift cards may be user-activated and assigned value using Radio Frequency Identification (RFID). The user-activated gift card contains an RFID chip embedded therein that works in conjunction with a mobile website or mobile app to allow users to activate and assign value to the gift card at any time and at any place.