The present invention provides a system operable to collect customer ratings during a transaction using an electronic point of sale system comprising a computer programmed to effect operation of the electronic point of sale system. The system includes a POS module programmed to manage operation of a scanner, a PIN entry device; a payment application operable to manage the PIN entry device; a POS proxy module; a payment application plug-in operable in conjunction with the payment application; a scanner pass-through driver operable to pass scanner signals between the POS module and the scanner while collecting information from the scanner signals and sending that information to the POS proxy module; wherein the POS proxy module is programmed to cause collection of a customer rating during the transaction by using the information received from the scanner pass-through driver to initiate a customer rating collection session, to send a customer rating initiation signal to the payment application plug-in which in turn causes the PIN entry device to prompt the customer to enter a rating.

There is disclosed a PIN entry device (PED) for electronic Point of Sale (EPOS) transactions. The PED has enhanced user I/O functionality but retains the strict security and certification framework of such a device. In addition to the usual PED functionality, the PED disclosed herein allows feedback from a user to be obtained in response to a question. The PED comprises an alphanumeric display for displaying text to a user, a numeric keypad and one or more function keys. The PED is configured to operate to display text to the user on the alphanumeric display to prompt a response from the user. The displayed text corresponds to approved text and unapproved text. The PED is configured to accept responses entered on the numeric keypad or one or more function keys in response to approved text, and to accept only a single key press response when prompted by a display of unapproved text. A corresponding method is also disclosed.

Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.

A network authentication system and method is described for authenticating multiple profile accesses from a single remote device. A device remote from a web server, yet connected to the web server via, for example, the Internet, can allow multiple users to register their profiles within the device. The profiles are registered using a pre-existing user ID and password corresponding to, for example, the user's financial accounts. Multiple profiles and, specifically, the indicia of those profiles, can appear on the display of the remote device allowing each user the ability to select their own registered profile. Access to a profile is granted when the user enters their private PIN. Once the PIN is entered, the private information such as financial account information will be securely forwarded from the web server to the remote device.

Systems and methods are provided for enabling in-video shopping functionality during presentation of live streaming video content. A system may initiate a video streaming support instance based on a request from a streamer device. The system may then send code to one or more client devices viewing a live video stream of the streamer device, where the code causes the client devices to present, in association with the live video stream, an interactive shopping overlay configured to listen for item information from the system. During the live video stream, in response to the system receiving an instruction from the streamer device to insert a product or other item into the interactive shopping overlay, the system may send information to the client devices that causes the interactive shopping overlay on each client device to present the specified item as a selectable item displayed over the live streaming video.

A computer-implemented method for processing single message transactions with batch settlement may include receiving a dual-message transaction from a merchant, converting the received dual-message transaction to a single-message transaction, setting a flag on the converted single-message transaction indicating the conversion to a single-message transaction, receiving a batch settlement file from the merchant, for each transaction in the batch settlement file, determining whether the single-message transaction conversion flag is set, upon determining that the single-message transaction conversion flag is not set, storing the transaction for later processing, and upon determining that the single-message transaction conversion flag is set, sending the transaction to a payment network.

A method for enabling, via a digital wallet application, a smart card to operate as a primary smart card for a plurality of a user's smart cards. The primary smart card may include a microprocessor, a touch screen, a wireless interface and an embedded subscriber identification module (“E-SIM”) card. The method may include retrieving on the primary smart card, from the digital wallet application, a list of a plurality of smart cards, displaying on the touch screen of the primary smart card, a selectable list of the plurality of smart cards, receiving, via the touch screen, a selected smart card and storing the card data on the E-SIM of the primary smart card. When the primary smart card is within a pre-determined proximity to a point-of-sale (“POS”) device, the primary smart card may be configured to transmit the card payment data stored on the E-SIM to the POS device.

A multiple-application systematic framework for an IC card comprising a card issuer device 10, a service provider device 20 and a user terminal device 30, in which the three devices are interconnected by a first communications means. The card issuer device 10 comprises a card-issuing module 100 and a service provider management module 101. The service provider device 20 comprises a service module 200. The user terminal device 30 comprises an IC card 300 supplied by a card issuer and a communications device 301 comprising an application control module 3010, the IC card 300 comprises an authentication and security management module 3000 and a multi-application data storage area 3001. The communications device 301 and the IC card 300 communicate through a second communications means. The service provider management module 101 enables the service module 200 to use storage space in the multi-application data storage area 3001 for providing a service to a user via a service token, and the service module 200 communicates with the application control modulo 3010 enable a user and/or at least one service provider to manipulate one or more service tokens in the IC card 300.

Systems and processes are provided for instantly creating a user account with a payment service provider at a point of sale. The system and processes may include a computerized payment processing system for receiving personally identifiable information from a payment card of a customer provided at a merchant terminal and creating a user account based on the personally identifiable information. A personal identification number (PIN) associated with the user account may be generated and electronically delivered to the customer via an electronic messaging system for verification.

Automatic Teller Machines (ATMs) allow banking customers to conveniently make certain financial transactions. Typically, customers access ATMs through the use of an electronically encoded ATM-card with a magnetic strip or microchip that encodes customer account information. As a security measure, accessing a bank account at an ATM typically requires a personal identification number (PIN) that must be entered into the ATM key pad in order to initiate a transaction. Electronic devices, known as skimming devices, are capable of collecting bank account and PIN information unbeknownst to ATM customers. Skimming devices are applied onto, near or over an ATM card readers, and are often indistinguishable from the ATM card reader. When an ATM user attempts to access their bank account, the skimming devices record their bank account and PIN information. Armed with the bank account and PIN information, thieves are able to illegally access customer accounts and defraud banks. The anti-skimming device of the present invention offers an elegant approach to prevent illegal access to sensitive customer account information. Applying the anti-skimming device of the instant invention functions to ATMs helps to prevent illegal collection of account and PIN information from unsuspecting bank customers.