A mobile wallet computer server receives a fund access request from a user device. The fund access request is made in connection with a payment transaction. The mobile wallet server generates a tokenized card number, transmits the tokenized card number to the user device, and receives receive the tokenized card number from a card network computer system after having been routed from the user device via a merchant computer system and via an acquirer processor computer system. The mobile wallet computer server converts the tokenized card number to the actual credit card account number of the user and transmits the actual credit card account number to the card network computer system to process the payment transaction.

A method for utilizing a registration authority to facilitate a certificate signing request is disclosed. In at least one embodiment, a registration authority computer may receive a certificate signing request associated with a token requestor. The registration authority may authenticate the identity of the token requestor and forward the certificate signing request to a certificate authority computer. A token requestor ID and a signed certificate may be provided by the certificate authority computer and forwarded to the token requestor. The token requestor ID may be utilized by the token requestor to generate digital signatures for subsequent token-based transactions.

Systems, methods, and computer-readable storage media for inserting payment information into payment forms without user interaction. A system can identify that a user has navigated to a web page operated by a merchant computer system for a merchant and identify a payment form within the web page. The system can then execute a payment request API which generates a query for saved payment credentials for the user from the merchant computer system. When the merchant computer system indicates it does not have the saved payment credentials for the user, the system can identify browser-saved payment credentials stored in the Internet browser, then generate a virtual payment information associated with the browser-saved payment credentials. The virtual payment information can then be inserted into corresponding fields of the payment form without the user entering any additional information.

The present invention provides a method and system for verifying and tracking identification information. In an embodiment of the invention, a system for delivering security solutions is provided that includes at least one of the following: a radio frequency (RF) identification device, an identification mechanism (e.g., a card, sticker), and an RF reader.

Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a computer with a verification token associated with a computer can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation entity. The control server can validate the secure datum and authentication data and can generate a payer authentication response.

In one embodiment, a method includes receiving a request for payment associated with a transaction between a first user and a second user, where the request specifies a payment amount in a fiat currency and identifying an indication that the first user intends to satisfy the request for payment using a non-fiat instrument. The method also includes initiating a first transfer of a value corresponding to the payment amount in the non-fiat instrument from a first balance of the first user to one or more service balances of a payment service and initiating a second transfer of a value corresponding to the payment amount in the fiat currency from the one or more service balances of the payment service to a second balance of the second user.

A method and apparatus for secured, multi-lateral, assured data transfer over a computer network for the assured exchange of data between counterparties related to qualifying transactions, the method being accomplished by a distributed computing system including a distributed ledger platform and an off-chain data host platform. On-chain authorization tokens are used to track data access rights, enforce access policies, and control distribution of encryption keys.

Systems and methods are disclosed for cross-platform token exchange. One method comprises receiving a primary token exchange request from an upstream entity, generating an ancillary detokenization request based on the primary token exchange request, and transmitting the ancillary detokenization request to an input token vault. An ancillary detokenization response comprising sensitive data may then be received from the input token vault, and one or more ancillary tokenization requests may be generated based on the ancillary detokenization response and the primary token exchange request. The one or more ancillary tokenization requests may be transmitted to one or more output token vaults. Subsequently, one or more ancillary tokenization responses may be received from the one or more output token vaults, each ancillary tokenization response comprising an output token. A primary token exchange response may be generated based on the one or more ancillary tokenization responses and transmitted to the upstream entity.

A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.

Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.