The present disclosure involves systems, software, and computer implemented methods for an improved method and system for providing payment card management and secured remote redemption without disclosure of a full card number. In one example method, a cloud service receives a notification from a merchant associated with a new payment card activation, the notification including a messaging identifier corresponding to an account associated with the payment card and its value. The cloud service can then associate, in an account associated with the messaging identifier, the new payment card and the messaging identifier. The new payment card is then assigned the value of the new payment card, and the cloud service can generate a notification message specific to the account associated with the messaging identifier, and can transmit the notification to a device associated with the messaging identifier of the account.

A method of employing fraud rules associated with identification of fraud in connection with financial transactions may include receiving information associated with a fraud scenario and defining a fraud rule based on the information. The fraud rule may include fraud criteria used to analyze financial transaction data to detect the fraud scenario and may also include a fraud response. The method may further include defining activation criteria for the fraud rule and enabling activation of the fraud rule for inclusion in product flows associated with the financial transactions in response to the activation criteria being met.

A method for authenticating an online transaction or a log-in process is provided. The method comprises: receiving image data of a visual graphical barcode from a user device, and the visual graphical barcode is configured to be displayed on an unauthenticated device for conducting the online transaction; analyzing the image data to obtain a transaction validation identifier (ID); comparing the transaction validation ID to a pre-stored validation ID; comparing a first set of collection data from the user device to a second set of collection data that is pre-stored; and determining whether to approve or reject the online transaction based on (1) a match between the transaction validation ID and the pre-stored validation ID, and (2) a match between the first set of collection data and the second set of collection data that is pre-stored.

The invention relates generally to the provisioning of payment instruments onto electronic devices such as a mobile telephone, tablet, laptop or wearable, and in particular to securely provisioning payment instrument for which authorisation for the provisioning must be provided by a payment instrument issuer. A first embodiment is provided in which data that is generated during a transaction is received by an electronic device and transmitted from the electronic device to a server associated with an acquirer. The data received from the electronic device is compared to the data generated during the transaction and, if these match, provisioning is authorised. A second embodiment is provided in which a server associated with an acquirer generates an identification message that is separate from but based on a response message associated with a transaction, and provisioning is authorised or declined based on the identification message.

A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules. Each component of the system may communicate with each other in order to reprogram the transaction card.

Embodiments provide a method of integrating a loyalty program with a payment card of a customer. In some implementations, the method includes sending, by a merchant terminal, a payment transaction request to a server system associated with a payment network. The payment transaction request includes a payment transaction amount to be paid to a merchant account from an issuer account of the customer and a consumer identifier linked to the loyalty program associated with the merchant loyalty card. The method includes receiving a notification comprising a payment transaction approval message and a machine-readable script through the payment network. The machine-readable script comprises the consumer identifier and is executable by the merchant terminal. The method further includes storing the consumer identifier associated with the merchant loyalty card with existing customer data in the payment card of the customer by executing the machine-readable script thereby integrating the loyalty program with the payment card.

A method and system for auto filling of payment card information in a web application. The computer-implemented method includes receiving an input code, by an auto fill system configured in a device associated with a user, including one of an audio code or QR code from a payment card when the payment card is in proximity to the device. The received input code is transmitted to an issuing server of the payment card. Thereafter, the computer-implemented method includes receiving payment card information associated with the input code from the issuing server. Once the payment card information is received, the computer-implemented method includes auto filling the payment card information at a payment screen of a web application in the device for completing a transaction on the web application. The present disclosure provides an efficient and error free mechanism for filling of payment card information in a web application.

Disclosed is a method of operating an integrated circuit (IC) card that is configured to communicate with a card reader and includes registered biometric information and registered PIN information. The method includes determining whether biometric information received from a user and the registered biometric information on the IC card match, in response to determining that the biometric information and the registered biometric information do not match, outputting to the card reader, a first response indicating a biometric verification fail, determining whether PIN information received from the card reader and the registered PIN information on the IC card match responsive to receiving a PIN verification request from the card reader that was based on the first response indicating the biometric verification fail, and outputting to the card reader a second response indicating whether the PIN information and the registered PIN information match.

The invention provides systems, methods and computer program products for asynchronous authentication of digital wallet based payment transactions. The invention enables secure authentication of contactless payment card based payment transactions that have been implemented through contactless communication between a payor device and a payment terminal device using near-field-communication. In various embodiments, the invention provides methods, systems, servers, and computer program products for authentication of a contactless communication protocol based digital wallet payment transaction, as substantially described herein.

A computer-implemented method includes the operations of receiving pre-registration data from a cardholder and receiving cardholder transaction data from an interchange network. Transaction details are extracted from the received cardholder transaction data. The extracted transaction details are compared to the received pre-registration data, and based on the comparison, a transaction confidence score for the transaction is determined.