A zero-step authentication system and method which uses wireless mobile devices to automatically make payments in a secure manner without requiring the customer to handle his or her mobile device. The system and method uses a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, and automatically deducts payments for purchases from a pre-authorized customer account. The customer account is managed by a payment processing server, which stores the customer account data, makes appropriate deductions, sends confirmation of deductions to the customer's mobile device, and automatically refills the customer's account by making pre-authorized charges to the customer's banking institution.

Embodiments provide methods, and server systems for enhancing online payment transaction experience. A method includes receiving, by a server system associated with a payment network, a tokenization request based on selecting a payment card of a plurality of payment cards of a user from a payment application running on a user device for processing an online payment transaction using the selected payment card at a merchant payment interface on the user device. The tokenization request includes a card information of the selected payment card. The method includes facilitating generation of a digital token. The digital token includes a tokenized card information of the selected payment card. The method includes provisioning the digital token in a floating widget at the merchant payment interface on the user device. The floating widget enables the user to enter the digital token at the merchant payment interface for processing the online payment transaction.

Described are systems and methods for transferring a token between mobile computing devices. A token transfer processing computing device includes a memory device for storing data and a processor in communication with the memory device. The processor is programmed to receive a token transfer message. The token transfer message includes a current device identifier associated with a current mobile device having an original token associated therewith for initiating secure payments using the current mobile device, and a new device identifier associated with a new mobile device replacing the current mobile device. The processor is further programmed to perform a lookup in a device-to-token mapping table to identify the original token associated with the current mobile device. The processor further generates an updated token associated with the payment account and transmits a token transfer response to the new mobile device. The token transfer response includes the updated token.

The technology described herein is capable of generating and presenting graphical user interfaces for displaying shared content, configuring space objects (also simply called spaces), posting digital content items to various spaces, inviting other users to contribute digital content items to various spaces, forking digital content items posted in one space or post object to another space or post object, contextual searching, posting rich comments in association with a post including graphical and textual data, and so forth. Further, the technology may provide suggestive search based on the spaces associated with a user, generate and exchange data with other nodes on a computer network, generate notification data including notifications reflecting updates posted to spaces by various users, and coalesce related comments to reduce number of notifications that each user receives and/or through which a user may have to navigate or scroll through.

Methods and systems are presented for providing a secured electronic transaction processing framework that enables online service providers to process electronic transactions for users while allowing the users to retain control over their user data. The secured electronic transaction processing framework includes a data access system configured to dynamically access user data, that is stored on user devices and controlled by users, on an as-needed basis. When a service provider server receives a request for processing a transaction through a user account, the service provider serer may use the data access system to dynamically obtain user data required for processing the transaction from a wallet application of a user device. The wallet application may include data access policies that specify data access settings for different service providers. After processing the transaction using the user data, the service provider server may remove the user data.

A system including: a processor; and a memory having stored thereon instructions that, when executed by the processor, controls the processor to: receive a receipt request for a transaction from a remote device, the receipt request comprising a merchant identifier, a transaction amount, and a transaction date and time; query the receipt database for a receipt record corresponding to the transaction based on the merchant identifier, the transaction amount, and the transaction date and time, the query being conducted without the benefit of sensitive information; in response to identifying a receipt record corresponding to the transaction, retrieve the receipt record corresponding to the transaction from the receipt database; and output for transmission the receipt record to the remote device.

Methods for updating an application programming interface (API) field of a transaction message may include receiving, with at least one processor, a payment transaction message, wherein the payment transaction message comprises data associated with a payment transaction; determining, with at least one processor, one or more API fields of the payment transaction message based on the data associated with the payment transaction; and modifying, with at least one processor, one or more API fields of the payment transaction message. Methods may also include transmitting, with at least one processor, a modified payment transaction message based on modifying the one or more API fields of the payment transaction message. Systems and computer program products are also disclosed.

Disclosed herein is digital object generator that makes uses a one-way function to generate unique digital objects based on the user specific input. Features of the input are first extracted via a few-shot convolutional neural network model, then evaluated weight and integrated fit. The resulting digital object includes a user decipherable output such as a visual representation, an audio representation, or a multimedia representation that includes recognizable elements from the user specific input.

An electronic payment card processing system and method includes a host computing device having at least one processor in communication with a memory device and a multi-party payment processing network for processing payment-by-card transactions. The host computing device is configured to identify a first payment-by-card transaction between an enrolled cardholder and a first enrolled merchant that is processed over the multi-party payment processing network, identify at least one affiliated merchant of the first enrolled merchant; and send an affiliate incentive offer for the at least one affiliated merchant to the enrolled cardholder.

Provided are systems and methods for managing and implementing single-use payment-enabled tokens. In one example, a method may include distributing, via a server, a payment-enabled token to a payment application on a computing device, the payment-enabled token being mapped to a payment account of the payment application via a tokenization service, detecting use of the payment-enabled token as a payment via the payment application, and in response to the detecting, deactivating the payment-enabled token at the server and storing an identifier of the payment-enabled token and an additional data element of the payment-enabled token that identifies the payment account together within a data structure of the server.