A system and a method providing OTP (one time password) to verify a card holder in transactions over CVM (Cardholder Verification Method) limit for devices receiving EMV contactless payment commercially available on shelf by a software based SoftPOS mobile application.

Exemplary embodiments may use a contactless card as a secondary form of authentication in a multi-factor authentication for a secure messaging service. The recipient party of a request to initiate a messaging service session (such as a server computing device) may be programmed to use the phone number of the originating device to look up records regarding an identity of a party and their associated phone number as a primary credential and then may require an authentication credential originating from the contactless card as a secondary credential for the initiating party. In some instances, the credential originating from the contactless card is a onetime password that is valid only for a period of time. The recipient party determines whether the onetime password is valid. If both credentials are valid, a secure messaging session may be initiated with the initiating party.

The invention relates to a method and system for booking reservations in a booking system and synchronizing bookings among several booking systems. The system comprises at least one booking system; at least one service provider; a mediator service; a client, and at least one client terminal device that can be a mobile device and that includes a dialogue. The client uses the dialogue to enter information into the system and the mediator receives inquiries and answers from the at least one booking system, the at least one service provider, and the at least one client. The mediator transfers and adapts information between them. The method and system are particularly suited for use with mobile phone users by Small Message Service messages.

Provided is a method for issuing single-use and multiple-use digital currency via a mobile and wearable device. The method may include receiving a currency issuance request from a user, prompting the user to enter a user authentication information, accessing a user account maintained by a currency issuer, generating the digital currency based on payment data of the user account, and providing the digital currency to the mobile and wearable device. The method may continue with receiving a transaction request from a merchant and matching merchant identification data provided by the user in the currency issuance request and merchant identification data provide by the merchant. If the match of the merchant identification data is determined, the method may continue with authorizing a payment transaction by transferring a payment amount from the digital currency to a merchant account associated with the merchant.

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for conducting cardless payment transactions. One of the methods includes receiving from a first device of a first user a first message requesting a payment transaction with a second user. Using an identifier of the second user provided by the first device, sending a second message to a second device of the second user requesting approval of the transaction, wherein the second message includes an approval code. A third message is received from the second device. If the third message includes the provided approval code and is received within a threshold amount of time, the payment transaction is processed using account information received in the first message.

A computer-implemented system and method may allow primary account holders (e.g., parents) to select merchants along specific routes where a secondary account holder (e.g., child) would be able to use a payment device. Each of these merchants may be categorized to further allow a parent to approve or reject purchases with a particular merchant. Any attempt to consummate a financial transaction with such a device at a disallowed merchant or at a merchant outside the defined geo-zone would not go through and may trigger an alert message to the parent/primary account holder (e.g., an email, SMS, phone call, etc.). Furthermore, setting a threshold may enable a trigger to ask the parent for approval in case the child makes a transaction of an amount exceeding the threshold value.

Systems and methods are provided to facilitate donations via mobile communications. In one aspect, a system includes a data storage facility and an interchange having a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format. For a payment to a merchant, the common format processor provides a user interface configured to present charity donation options in response to a phone number being specified in the user interface to identify a fund source. The common format processor uses one of the converters to communicate with a mobile phone at the phone number to confirm the payment to the merchant and a donation to a separate charity organization specified via the user interface.

A method and system for processing payment during an electronic commerce transaction is described herein. The system includes: a mobile device configured to provide an electronic wallet storing a payment card, the payment card comprising card payment information, and a card security credential. The system may also include a coordination server configured to receive a request to conduct the electronic commerce transaction, and send an activation message to the mobile device to activate the electronic wallet. When the electronic wallet is activated, the mobile device may be further configured to: receive a card selection input indicating selection of the payment card for payment in the electronic commerce transaction; verify a security input against the card security credential of the payment card; and send the card payment information and confirmation that the payment card was present during the verifying for use in completing the electronic commerce transaction.

There is disclosed a mobile device integrated keyboard sales platform that enables a potential seller or shopkeeper to complete a sale, including transmission of product information, generation of a purchase order form, generation of a delivery information form, and receipt of payment all using an alternative keyboard installed on a mobile device. Every aspect of the process may be completed reliant upon the alternative keyboard, rather than a stand-alone application or multiple stand-alone applications, and may take place in any chat application or multiple chat applications or in a special purpose sales chat application.

Users may utilize their mobile devices, such as their smart phones, to conduct electronic transactions via text messages. In particular, a mobile app from a transaction service provider may be downloaded and installed at a user's mobile device. The mobile app may allow the user to send transaction requests to the transaction service provider via text messages. A secure RSA token generator may be used to generate a secure token. The text message may include the secure token and may be encrypted. The text message may be communicated to a transaction service provider. The transaction service provider may validate and decrypt the text message. The transaction service provider further may determine the transaction request included in the text message to process the transaction request. The user may log in at the transaction service provider to register the token generator and the user's mobile number with the transaction service provider.