Provided is a method for distributed payment processing using a centralized payment processing platform. The method includes creating, using an application, an account associated with the centralized payment processing platform; creating, using the application, a virtual payment card associated with the account; receiving a selection of a balance for the virtual payment card within a limit of the account; receiving a selection of a recipient for the virtual payment card; generating a token associated with the virtual payment card; and transferring the token to the recipient. The payments made with the virtual payment card are processed by the centralized payment processing platform.

An enhanced certificate authority system and method allows for the enhanced security, validation and Multi-Factor Authentication of user's within a digital signature and transaction system through the creation and management of a user's Digital Identity certificate so that through an enhanced certificate authority a user's identity and bona fides may be both protected and established across a diversity of electronic devices and transactions.

A method is disclosed. A digital assistant device receives a biometric sample from a user and then converts the biometric sample to a biometric template. The digital assistant device can scan for user devices in communication range of the digital assistant device, thereby receiving user device identifiers. The digital assistant device can transmit, to a server computer, an authentication request comprising the biometric template and at least one user device identifier. The digital assistant device can then receive a cryptogram request message comprising the at least one user device identifier, from the server computer. The digital assistant device can transmit, to a user device corresponding to the at least one user device identifier, the cryptogram request message and can then receive a cryptogram. The digital assistant device can then transmit the cryptogram to the server computer. The server computer verifies the cryptogram before further processing of a transaction.

One embodiment of the present disclosure provides a system and associated processes for sharing cardholder data (CHD) between a merchant that utilizes tokenization and a second merchant that may or may not utilize tokenization. In one embodiment, the merchant, or an employee of the merchant, can use the system and associated processes to reacquire CHD from a tokenization provider system. In one embodiment, the merchant identifies to the tokenization provider system a desire to share CHD, which is associated with a token, with a second merchant. The merchant and/or the tokenization provider system can then invite the second merchant to register with the tokenization provider system. Once registered with the tokenization provider system, the second merchant can access any CHD that the merchant associated with the second merchant.

A system has a storage medium encoded with program instructions, and a processor coupled to access the program instructions. The instructions configure the processor for: receiving a first request at a POS terminal to surrender a previously purchased first asset in exchange for at least a portion of a second asset that was used to purchase the first asset, receiving the private key from the first asset; accessing a set of rules stored in a distributed electronic ledger, the set of rules specifying conditions associated with the first request; transmitting an authorization to return the at least a portion of the second asset in exchange for surrender of the first asset, in the case where the conditions are satisfied; and invalidating the first request in the case where one or more of the conditions are not satisfied.

A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.

A system for payment in a point of sale is disclosed. The system may include one or more payment unit and one or more remote servers. Each payment unit may include one or more biometric sensors; a communication unit including a first cannel for communicating with a cash register and a second channel for communicating with the one or more remote servers; and a local processor configured to: receive biometric data of a person from the one or more biometric sensors; receive a request for payment from the cash register, via the first channel; and encrypt and send the information to at least one remote server for authentication and payment.

A device may configure a browser to permit cash payments for online transactions. The device may monitor a browser session of the browser. The device may detect, during the browser session, navigation of the browser to a transaction page of a website. The transaction page may be configured to facilitate an online transaction with the website. The device may determine, based on detecting the navigation of the browser to the transaction page, that a cash payment is to be provided. The device may cause a validation code to be generated. The device may cause, based on the validation code being processed, a virtual transaction card to be generated. The device may facilitate, using virtual card information associated with the virtual transaction card, execution of the online transaction.

Systems and methods for mobile application integration are described. These may include receiving a payment request a mobile application, sending a payment application detection request, receiving a detection response, and sending a customized user interface to the mobile device. The customized user interfaces are determined by whether an associated payment application is present on the mobile device and whether the mobile device is authenticated with the payment processing platform. These techniques can allow for a better user experience when interacting with the payment processing platform.

Systems and methods that generate data representing an analytic result relating to at least one of a state, a workflow, or an event in a digital token system, including a digital token system that cryptographically links a set of digital tokens to instances of a set of real-world entities. The systems and methods produce a cost analytic by processing a set of collected data, structuring and filtering the collected data to obtain a multi-dimensional structured data set, and querying the multi-dimensional structured data set. Systems and methods further leverage a set of data collection services configured to collect data from one or more interfaces, a set of workflows configured to produce event data, and a data store configured to store collected attribute data.