A method and apparatus for processing secure transactions of a requested service at a merchant point of sale (POS) using a customer mobile device and a virtual payment gateway (VPG) server, the method comprising an authentication and a transaction. The activation establishes a mobile device transport key (mTK) at the mobile device and a server, and assigns a mobile application identifier (MAID) to a mobile application of the mobile device. The transaction is based on generating a mobile device transport session key (msTK) derived from a server generated session ID and the mobile device transport key (mTK) generated during activation. The transaction of the requested service is initiated by the customer mobile device and is processed without storing confidential data such as financial account data or financial account identification data at the POS and/or the customer mobile.

Disclosed are an identity authentication, number saving and sending, and number binding method, apparatus and device. The identity authentication method comprises: receiving a user identity authentication request sent by a data authentication platform client, wherein the user identity authentication request comprises user authentication information and user identification information, and a data authentication platform server pre-stores the user authentication information and a registration number and a password, which correspond to the user identification information; acquiring, according to the user identification information, the user authentication information pre-stored in the data authentication platform server; matching the user authentication information in the acquired user identity authentication request with the acquired user authentication information pre-stored in the data authentication platform server; when the matching is successful, receiving a result, sent by the data authentication platform client, of confirming the acquisition of the registration number by a user.

Systems and techniques for an adaptive authentication system are described herein. In an example, an adaptive authentication system is adapted to receive a request at a first entity from a second entity for secure data of a user, where the second entity is remote from the first entity. The adaptive authentication system may be further adapted to transmit a prompt to a user device associated with the user for authentication of the user and authentication of the request. The adaptive authentication system may be further adapted to receive a response to the prompt and authenticate the user and the request based on the response. The adaptive authentication system may be further adapted to transmit the secure data of the user to the second entity.

A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.

A method for execution by a marketplace server includes receiving an exchange item acquisition request from a buyer computing device that is initiating a transaction with a point of sale device, where the request indicates an exchange item associated with a digital wallet of the buyer computing device is insufficient to complete the transaction during a first time period. The method further includes determining whether a second exchange item that would be sufficient to complete the transaction is available within a virtual marketplace of exchange items. When the second exchange item is unavailable, the method further includes exchanging new exchange item information with a corresponding brand server to obtain a new exchange item that is sufficient for completing the transaction. The method further includes issuing the new exchange item information to the buyer computing device, wherein the buyer computing device utilizes the new exchange item information to complete the transaction.

A method includes providing an initial communication, by an access device to a user device. The access device can receive the user identifier and the access token and receive a secret associated with the user. The access device can determine, using the user identifier and/or the access token, if the transaction is authorized by an authorizing entity computer associated with the access device or by an authorizing entity not associated with the access device. If the transaction is authorized by the authorizing entity computer associated with the access device, the access device can transmit an authorization request message comprising the user identifier, the secret, and the access token to the authorizing entity computer. The authorizing entity computer validates the secret, retrieves a real credential of the user using the user identifier, and authorizes the transaction.

A certification pattern storage method according to the present invention comprises: (1) a first step of receiving, by a user terminal, an image including a random number table which is encoded into a one-time key generated on the basis of first information and sent by a server; (2) a second step of generating, by the user terminal, the one-time key on the basis of the first information and decoding the encoded image; (3) a third step of receiving, by the user terminal, characters arranged according to a predetermined pattern in the random number table; and (4) a fourth step of sending, by the user terminal, the pattern determined by means of the inputted characters to the server, and storing the pattern in the server.

An electronic device is provided. The electronic device includes a display and a processor. The processor transmits registration information relating to a user's payment means to an external electronic device, receives state information on the payment means, which is generated by the external electronic device using the registration information, from the external electronic device, and displays an indication corresponding to the state information in relation to an object for representing the payment means, through the display.

A method for transmitting transaction data using a public data network, comprising the steps of: transmitting primary transaction data from a provider data base via the public data network to a display device connected to the data network and, locally, visually and/or acoustically displaying the primary transaction data thereon, in particular visually on a displayed provider website as bar code or QR code, b1) recording the display and generating a primary transaction file in a user terminal of an access network, or b2) recording the display and generating a primary transaction file in a recording device and then transmitting the primary transaction file to a user terminal of an access network, via a wireless near field data transmitter of the recording device and user terminal, processing the primary transaction file on the user terminal for extracting at least a part of the transaction data, and generating an extract file, inputting an authorization data set of a debit or credit card configured as a smart card and equipped with a wireless near field data transmitter at the user terminal and associating the authorization data set with the extract file, e1) transmitting the extract file and the associated authorization data set from the user terminal to the smart card wirelessly connected thereto, or e2) internally transferring the extract file and the associated authorization data set to the smart card component in the user terminal, f) checking the extract file in conjunction with the authorization data set by a processor of the smart card or smart card component based on comparison data stored thereon and, if correct, outputting a correctness confirmation message to the user terminal or internally in the user terminal, g) generating a secondary transaction file comprising the primary transaction data and user data in the user terminal based on the confirmation message, h) transmitting the secondary transaction file from the user terminal via the access network to an access server in the data network, fetching or receiving a transaction confirmation message from the access server by or at a provider receiver, at least one of visually or acoustically displaying the message on the provider website.

A system and method(s) for cashless funding of a gaming machine is described. The method, for instance, includes detecting a user input associated with a funding request. The user input is transmitted from a mobile device. The method further includes, in response to detecting the user input, obtaining a virtual ticket from a third-party funding system external to a casino network. The virtual ticket was purchased, via the third-party funding system, from a ticketing server internal to the casino network. The virtual ticket is associated with a voucher identifier authorized by the ticketing server. The method also includes redeeming, using the voucher identifier, the virtual ticket. In response to redeeming the virtual ticket, the ticketing server transmits, via the casino network, a funding authorization for the amount of monetary value. The method further includes, in response to the receiving the funding authorization via the casino network, funding the gaming machine via funds transfer in the casino network.