A multi-entity automated communications system includes a centralized system. The centralized system receives first communications from different first systems with a first application coordinated by the centralized system, and based on the received communications automatically communicates via second communications with a second system with a second application coordinated by the centralized system, and based on the first communications and the second communications, provides instructions to a third system to initiate transactions to pay users of the first systems.

Apparatus and methods are provided for executing a rules-based authentication of an electronic transaction. The method may include receiving first and second payment authorization parameters and second payment authorization parameters. The method may also include receiving from a Point of Sale device a request for payment information and a purchase amount. The method may also include, determining if first or second parameters are satisfied. The first parameters may include a first time range, a pairing of the electronic device to a first apparatus, a first geolocation of the electronic device, and a first maximum transaction value. The second parameters may include a second time range, a pairing of the electronic device to a second apparatus, a second geolocation of the electronic device, and a second maximum transaction value, wherein the second time range does not include the first time range.

Methods and systems are provided for making secure financial transactions, such as purchase payments, using rich Internet applications (RIA) running an RIA runtime (also referred to as a platform or framework) on the user's smart phone or other mobile device. Embodiments differ from the usual way of re-directing a user from a third-party application and authenticating the user by providing secure in-line payments from a rich Internet application running on an RIA runtime. A system includes: a mobile device executing a rich Internet application running on an RIA runtime; a payment library communicating with the RIA runtime and a service provider, for which the payment library communicates with the service provider to authenticate the rich Internet application; and in response to authentication by the service provider, facilitates secure financial transactions via the rich Internet application.

There are provided systems and methods for software development kits for point-of-sale device and mobile device interactive frameworks. A service provider, such as a payment provider, that offers online and cloud based digital wallet services may configure flexible software frameworks for a merchant's point-of-sale device and a user's mobile device. A framework for a merchant's device may allow for user check-in with the merchant, and may utilize multiple different communication protocols to receive tenders and non-tenders from the user's mobile device. Thus, the user's mobile device may communicate with the merchant device to provide tokens that may be resolved by the merchant using the payment provider and/or a payment host to receive payment processing confirmation. Moreover, the frameworks may allow for a transaction to be synchronized to the user's mobile device so that the user may receive updates after processing of the tokens.

A credential reader update system includes a server operable to provide a credential reader update via a cellular telephone interface, and a plurality of credential readers. Each credential reader communicates with a presented credential at a credential reader frequency, wherein each credential reader has a credential reader interface having a range. A portable update device is movable into and out of the range, and is operable to receive the credential reader update via the cellular telephone interface. A credential reader update application is included in the portable update device, and is operable to uniquely identify the particular credential reader to be updated. The portable update device transfers the credential reader update to the credential reader via the credential reader interface, and the credential reader update includes firmware instructions that cause the credential reader to perform communications with the presented credential at a second frequency different than the credential reader frequency.

The present invention relates to the provision of an information processing device that can smoothly perform the migration of a system. An information processing device includes a processing unit including a first function of executing processing that uses service information stored in a recording medium, and a second function of executing processing that uses identification information regarding a service that is stored in a recording medium, and a determination unit configured to determine processing to be executed by the processing unit, on the basis of a request from an external device. In the information processing device, the processing unit executes processing determined on the basis of the request, and the first function is invalidated on the basis of an invalidation request from an external device.

Systems and methods involving biometric authentication of transaction cards including aspects of exception handling, deactivation and other features are disclosed. In one embodiment, an exemplary implementation may involve generating a first user interface having one or more interactive UI elements that enable a card owner to manage a plurality of features associated with a transaction card, and determining, if a biometric-activated control is enabled and the vendor is not excluded from the biometric-activated control, whether the transaction card is biometrically-active. Further, the interactive UI elements may include elements such as a first UI element that is configured to allow the card owner to enable a biometric-activated control of the transaction card, and/or a second UI element that is configured to allow the card owner to exclude one or more vendors from the biometric-activated control.

A user can associate a digital asset corresponding to a value with a transaction device to be used by another user. For example, a first user can load a digital asset corresponding to a cryptocurrency amount onto a transaction device, where the first user then provides the transaction device to a second user. The second user can utilize the cryptocurrency amount on the transaction device to conduct a transaction. The generation and use of digital assets can be managed using ledgers that store data in the form of block chains.

A verification computing system for verifying operation of a payment terminal and a payment processing network linking the payment terminal to a payment processor is provided. The verification computing system includes at least one verification computing module including at least one processor. The verification computing module is programmed to receive a test request message corresponding to a test payment card transaction from the payment terminal, identify a void flag included in the test request message, and bypass a settlement process for the test payment card transaction based on the identified void flag. The verification computing module is further configured to determine an operating status of the payment terminal and the payment processing network, generate a test response message based upon the determination, and transmit the test response message to the payment terminal for notifying a user.

A software development kit (SDK) allow a user to be able purchase a gift card through an offer wall and, in return, the user can receive a reward in game currency, such as coins, diamonds, tokens or the like. Most mobile apps offer their users a way to purchase coins, diamonds, tokens, or the like, which is also known as an in-app purchase. The gift card offer wall can allow the game player to purchase a gift card from a choice of vendors, and, in return, obtain the desired game currency as a bonus. The system can include three elements—the SDK for various platforms, an electronic wallet application and servers that communicate with both the SDK and the wallet application. The SDK is something that the app publisher can add to their own mobile application that will launch the gift card offer wall for the user.