Systems and related methods facilitating interactions between a merchant device, a central system and a consumer device are discussed herein. A system that may be implemented to provide a master merchant having a merchant device with a POS system configured to generate a bill for products, experiences, or services provided, a way to link or associate one or more accounts, such as contractor accounts to their master merchant account or merchant device, and transfer a portion of the payment to the linked accounts. In addition, some embodiments of the system may provide for receiving selection of, for each product, service or experience provided, a contractor account from a list of one or more approved contractor accounts linked to the master merchant account. Further embodiments may provide for receiving a payment or payment information for a charge amount, the charge amount comprised of costs associated with the products, services and experiences, as well as adjustments for redeemed instruments, taxes, tip or the like.

A method of network configuration of a personal identification number (PIN) pads includes receiving a request to upgrade a PIN pad from a merchant or an individual software vendor (ISV) to read microprocessor-enabled or contactless payment vehicles, retrieving a PIN pad configuration hash value from the PIN pad, obtaining current configuration using the hash value, sending instructions to the PIN pad to upgrade the PIN pad over a network if the PIN pad is capable of reading microprocessor-enabled or contactless payment vehicles, and downloading and installing drivers to enable PIN pad readers to read and process at least one of the microprocessor-enabled payment vehicles and contactless payment vehicles according to the instructions. The method further performs additional operations such as updating the PIN pad registry with the PIN pad configuration and enabling the PIN pad to read the microprocessor-enabled or contactless payment vehicles.

Systems and methods described herein include first and second devices including one or more processors and memory, the first device being configured to purchase one or more certificates by a first process via one or more blockchain transactions. The second device may be in communication with the first device, and may be redeem the one or more certificates received by a second process via one or more blockchain transactions. The second device may exchange one or more codes to designate the one or more certificates as used on the first device. The system may include one or more servers in communication with the second device, and may be automatically generate a message containing updated redemption information of the one or more certificates when the updated redemption information has been stored in one or more databases, which may be in communication with the one or more servers.

Various embodiments of the disclosure relate to a payment method using biometric authentication, and an electronic device thereof. The electronic device includes a communication module configured to provide communication with a server, a processor operatively coupled to the communication module, and a memory operatively coupled to the processor and configured to store biometric information. The memory may store instructions, when executed, causing the processor to, when registered for a first time use, generate a parameter for biometric authentication verification and an encrypted password for password authentication verification and transmit the generated parameter and password to the server, in order to register, with the server, biometric authentication information for biometric authentication verification and a password for password authentication, when a payment is made, use at least one of the biometric authentication and the password authentication to authenticate a user, and when it is necessary to change the biometric authentication information registered with the server, register new biometric authentication information with the server in the process of the payment.

A system for operating an electronic tag includes a reader and an operation device. The electronic tag is coupled to an object and stores a variable state code and a variable physical parameter code. The variable state code represents a variable state of the object. The variable physical parameter code represents a variable physical parameter associated with the object. Under a condition that the variable physical parameter is substantially equal to a specific physical parameter, the operation device makes a logical decision on whether the variable state code is currently equal to a first specific state code representing a first specific state. Under a condition that the logical decision is true, the operation device changes the variable state code to a second specific state code representing a second specific state, and assigns a specific physical parameter code representing the specific physical parameter to the variable physical parameter code.

A distributed transaction and data storage platform including a distributed notary ledger or blockchain and one or more individual user micro-identifier chains that together enable the secure effectuation and recordation of one or more transactions, and/or storage of data in an automated, real-time, zero-trust, globally data law and privacy law centric manner while maintaining transaction party confidentiality and preventing chain poisoning.

A method for validating an electronic transaction, including a step 100) of starting an electronic transaction transmitting wirelessly identifying information from an electronic payment instrument module of a mobile phone to a POS terminal, that forwards said identifying information together with transaction data to a retailer network and to a server. The method also includes the steps: 110) activating said mobile phone for starting a voice telephone call with the server; 120) the server replies said voice telephone call and requests the customer to validate the electronic transaction by means of a validating PIN code; or initiating a voice telephone call from the server to the mobile phone, wherein the server requests the customer to validate the electronic transaction by means of a validating PIN code; 130) the customer validates the electronic transaction communicating the validating PIN code to the server during said voice telephone call.

Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel. A payment authorization response message is received from the issuer computing system via the in-band communications channel. Other embodiments are described and claimed.

Methods for identifying potentially sensitive information and protecting such potentially sensitive information include scanning systems that collect and/or disseminate such information. Without limitation, systems collect and/or disseminate personal identification numbers (e.g., personal identification numbers, tax identification numbers, etc.), such as merchant systems, bank systems, healthcare systems, and the like, that collect, use, or disseminate sensitive information may be scanned to identify sequences of data that are likely to be sensitive, and may take actions to protect such sequences of data. Scanning and protection systems are also disclosed.

Methods, apparatus and systems for operating a consumer mobile device to consummate an online purchase transaction. In some embodiments, the process features a mobile device processor that receives a mobile device single screen checkout request, initializes a single screen checkout application, and displays a single screen checkout user interface on a touch screen component. The single screen checkout user interface partially overlays a merchant checkout webpage, and includes purchase transaction options and a cardholder verification method (CVM) request message. The process also includes receiving user input responsive to the CVM request message, and displaying a transaction confirmed message on the touch screen component when the user input satisfies the CVM request message.