A method is disclosed. One embodiment of the invention is directed to a method. The method comprises: prompting, by an access device, a user to enter an access code; receiving, by the access device, the access code from the user; transmitting, by the access device, the access code to a validation computer, which validates the access code; receiving, by the access device, an access identifier or access token from the validation computer in response to validating the access code; transmitting, by the access device, an authorization request message including the access identifier or the access token to an authorizing computer; and receiving, by the access device, an authorization response message from the authorizing computer.

A secure element integrated within a mobile communications terminal. Such an element includes: at least one first application for processing transactions, having at least one interface for communications with a communications network in a secured manner; and at least one second application for processing secured data, having at least one communications interface for communications with an executing environment of said communications terminal. The first application is able to request at least one piece of data from the second application.

The present disclosure involves systems, software, and computer implemented methods for automatically providing linking partner loyalty rewards accounts using authorized user and primary user information associated with an account. One example method includes authenticating a user at a partner system, and receiving from the user information associated with an account. The information associated with user's account is communicated to a financial institution system via an API where the user can then be verified as an authorized user on an account. The financial institution system then provides the partner system with information associated with the primary user of the account, and the partner system can link a loyalty account of the primary user with the loyalty account of the authenticated user.

A fuel dispenser comprises fuel flow piping defining a flow path from a source of fuel toward a fueling nozzle. A plurality of fuel handling components are disposed along the fuel flow piping. Control electronics are in operative communication with the fluid handling components. A payment system includes a PIN pad that transmits secure tokens which are preferably cryptographically unique and independent such as not to be a function or derivative of network keys or user PIN. The tokens are then received and acted upon by a second subsystem to render PIN entry display data.

A system for multi-factor user authentication for payment card-based transactions are described. The multifactor authentication may be based on a one-time passcode/password (OTP) as sent by an authentication server. A user device may, based on receiving the OTP, send an authentication code. The authentication code may be generated/determined based on the OTP. The authentication code may be augmented biometric identifier (ID) of a user associated with the user device. The authentication server may validate a transaction based on the authentication code.

Systems and methods for authentication code entry using mobile electronic devices are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a display, and an input device a method for authentication code entry may include: (1) receiving, at the information processing device, a masking pattern for receiving entry of an authentication code, the masking pattern specifying an order for entering the authentication code; (2) presenting, on the display, a prompt to enter the authentication code in accordance with the masking pattern; (3) receiving, at the input device, a masked authentication code entry where the masked authentication code entry comprises the authentication code entered in accordance with the masking pattern; and (4) storing the masked authentication code entry.

The present disclosure describes a system that not only facilitates the emergence of the used consumer electronics market, but also provides MNOs with an opportunity to acquire and retain customers even though they did not directly sell the particular consumer electronic good or device to the present end user. Further, the platform offers carrier operated equipment installment plans enabling payments for the used devices to be made in monthly installments along with their typically monthly billing payments.

A system including a network interface and a processing circuit is provided. The processing circuit includes one or more processors coupled to non-transitory memory. The processing circuit is configured to receive a transaction request from a transaction device. The transaction request associated with a payment card and including a transaction amount. The processing circuit is further configured to determine that the transaction amount would cause a violation of a daily spending limit associated with the payment card. The processing circuit is further configured to generate a one-time-password (OTP) associated with the transaction request. The processing circuit is further configured to provide the OTP to a mobile device of a user. The processing circuit is additionally configured to process the transaction request by applying an adaptive daily spending limit (ADSL) override of the daily spending limit responsive to an indication that the user provided the OTP to the transaction device.

There is provided a method of correlating a telephone call between a first party and a second party with information that is to be used in a third party service implemented in relation to the telephone call. The method comprises routing telephone calls involving the first party via a third party service system that implements the third party service. The method further comprises, at a communication management system of the first party, determining call identification data for the telephone call and session data associated with a session of the third party service to be implemented in relation to the telephone call, and sending the call identification data and the session data to the third party service system; and, at the third party service system, receiving the call identification data and the session data from the communication management system, using the received call identification data to identify the telephone call, using the received session data to determine the information that is be used in the third party service, and correlating the information with the identified telephone call.

A smart card with secure and efficient image capture and analysis is provided. The card may include a non-transitory memory embedded in the housing storing computer-executable instructions. The instructions, when run on the microprocessor, are configured to capture, via the camera, an image of a building (or other suitable image), process the image via an image processing module, determine, based at least in part on the processing of the image, a payment amount and a payment recipient associated with the building. The smart card may also display payment information on the display screen. The payment information may include the payment amount and/or the payment recipient. When authorization is received via a tactile sensor, the card may execute a payment or other communication, over a payment gateway from an account associated with a user of the platform to an account associated with the payment recipient.