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.

A computer implemented method (200) for securing card payment transactions made via telephone. The method (200) comprising: receiving (202) payment card data associated with a card payment transaction initiated by a cardholder (102) via a telephone call; obtaining (204) one or more additional data fields for which corresponding additional information is required for securing the transaction, the additional information being information not included with the received payment card data; obtaining (206) device information of a user device (110) associated with the cardholder (102); generating (208) customised webpage content associated with the transaction based on the additional information, the webpage content including one or more data retrieval mechanisms to be included in a webpage, the data retrieval mechanisms being configured to retrieve the additional information; sending (210) a link, by which the webpage can be accessed, to the user device (110) using the device information; receiving (212) additional information from the user device (110) obtained via the one or more data retrieval mechanisms; and attempting (214) to perform the card payment transaction using the payment card data and the received additional information. Also disclosed is a transaction system (100) for securing card payment transactions, and a computer program product.

Systems, methods, and computer media for authenticating transactions, storing transaction information, communicating with users, and providing proof of transactions using text messages (e.g., text messaging on a feature phone) and a distributed ledger are described herein. A text-messaging communication session can be established between a user's mobile device and a distributed ledger. In the communication session, transaction information for a transaction associated with the user can be transmitted from the mobile device to the distributed ledger via text message. A geolocation of the mobile device can be extracted from the text message(s). The transaction information can be encrypted and stored, along with the geolocation of the mobile device, directly in the distributed ledger in association with the user. Upon receiving a request for proof of the transaction, the encrypted transaction information stored directly in the distributed ledger can be decrypted and provided and as proof of the transaction.

The present invention relates to a multifunctional payment card configured to be used for a variety of purposes wherein money can be easily transferred from any credit card, debit card, and/or bank account onto the card. Money spent using the card can be tracked using a card ordering software application and money can be added/transferred to the card or removed from the card. A card generation system generates the payment card and a user may use the card ordering software application for ordering and customizing the card. The card can be used as a gift card and prepaid card. The card is provided both as a physical card and a digital card.

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

In one aspect, a method includes receiving, from a sender device, a request to initiate a transfer of an asset to a recipient; causing a user interface to be presented on the sender device to receive an input of an amount of the asset to be transferred; causing an indication of the transfer of the asset to be presented via the user interface in association with a graphical icon representing a gift wrapping that conceals at least some information regarding a payload associated with the transfer; associating the graphical icon with the payload to generate a gift-wrapped element that includes the amount and the information regarding the payload; causing a notification to be sent to a recipient device of the recipient that includes the gift wrapped element; and causing assets in the amount to be withdrawn from an account of the sender and transferred to an account of the recipient.

Systems and methods for facilitating mobile payment transactions with a plurality of vendors is described herein. An example method includes maintaining consumer information. The consumer information includes a plurality of respective account profiles associated with a plurality of consumers. The method also includes transmitting vendor content associated with a first vendor to a user's mobile computing device, and transmitting vendor content associated with a second vendor to the user's mobile computing device. The method further includes facilitating a plurality of mobile payment transactions with the user on behalf of the first and second vendors using a respective account profile associated with the user.

A method and a system include receiving a request to process a transaction, identifying, by the messaging application, transactional data based on the request, the transactional data corresponding to a user profile associated with the client device in an entity graph, determining a first desensitized data item associated with the user profile being included in the transactional data, providing for display a first user interface of the messaging application including a first user-selectable element corresponding to a completion of the transaction, receiving an indication of user selection of the first user-selectable element, and transmitting the transactional data to a secured processor.

A method for verifying origin of request for payments may include a financial institution computer program: receiving a request for a payment URL from a merchant, the payment URL provided for a transaction with a customer; generating the payment URL, wherein the payment URL comprises a pointer to a network location for the financial institution; providing the payment URL to a customer electronic device; receiving, from the customer electronic device and at a browsed URL, a stored or pinned certificate of domain for the payment URL; (5) comparing the stored or pinned certificate of domain for the payment URL to a certificate of domain for the browsed URL; presenting a payment page in response to a match; and returning an error in response to a mismatch.

A system and associated method for authorizing a transaction between a teller device and a user device is disclosed. The system can include a teller device configured to generate a remote signing notification. The system can include a server device configured to receive the remote signing notification from the teller device and generate a transaction document based on the remote signing notification. The system can include a user device configured to display a webpage based on the URI and perform a signature in the signature section of the webpage and transmit the signature from the user device to the server device to authorize the transaction.