Systems and methods for providing secure application support for NFC devices in both battery on and battery off modes are provided. A first application that requires available host battery supply and a second application that does not require available host battery supply are loaded onto a mobile device. When the second application is enabled, the reader requests user input on a POS device. The first application is enabled when host battery supply is available, and the second application is enabled when no host battery supply is available.

A secondary authentication system and computer-implemented method for obtaining real-time cardholder authentication of a payment transaction associated with a cardholder's payment card includes a memory device for storing data and a processor communicatively coupled to the memory device. The processor is programmed to receive a payment authorization request message including a primary account number corresponding to a payment account of the cardholder for funding the payment transaction. In addition, the processor is programmed to determine whether the payment account requires secondary authentication by the cardholder for the payment transaction, and if, based on the determination, the payment account requires secondary authentication of the payment transaction, place the payment transaction on hold. Furthermore, the processor is programed to identify a mobile device associated with the payment account of the cardholder, transmit an authentication request message to the identified mobile device, and receive, from the mobile device, an authentication response message.

A payment processing system is discloses. The system comprises a module configured to receive a payment request for a payment transaction from one of a plurality of different merchant applications associated with a computing device wherein the request comprises payment information comprising a merchant code or transaction identifier; in response to receiving the payment request, receive encrypted payment data from a reader coupled to the computing device wherein the payment data comprises an account number associated with a user wherein the account number is encrypted according to a first key; and transmit the payment information and the encrypted payment data to a payment server.

Methods and systems are employed for completing a transaction via an internet-connected vehicle by leveraging a multi-factor authentication to compare vehicle identification information and user identification information based on stored information. In addition, methods and systems are provided for completing a transaction via an internet-connected vehicle by automatic enforcement of business rules (e.g., parental control spending tools, or employee spending tracking tools).

A non-transitory computer-readable medium stores instructions causing a processor to generate a menu displaying representations of a plurality of cards, the cards having associated card data; receive, from a user input device, a selection corresponding to a selected one of the cards; update the menu to display a representation of the selection; and authorize transmission of the card data associated with the selected card to complete a transaction.

An ATM system includes a back-end server, an ATM central processing unit (ATM CPU) that receives information relating to the ATM system and a mobile computer. The mobile computer provides a CPU (MC CPU) and a keypad. The mobile computer may also provide a touch screen configured to display an initial ATM display. The ATM system also includes an interface system for interfacing between the ATM CPU and MC CPU. The back-end server formats and transmits to the ATM an API call. The API call requests a location of the user, ATM device information, and identification information of the user. The mobile computer is configured to respond to the API call by providing the location, the ATM device information, and the identification information of the user to the back-end server.

Systems and methods are for routing electronic payment transactions to PIN-less networks using payment pseudo-networks and electronic transaction simulation. One method comprises: receiving transaction-related information from a merchant, the transaction-related information including a bank identification number (“BIN”), one or more available network IDs, one or more merchant categories, an issuer regulatory status, a transaction amount, and a preferred status; extracting routing criteria from the received transaction-related information; dynamically identifying one or more eligible networks based on extracted routing criteria; dynamically identifying one or more breakeven transaction amounts for each identified eligible network, each breakeven transaction amount defining a point at which two or more eligible networks have the same expenses for a given transaction amount; and routing signature debit transactions from the merchant to a least cost PIN-less network selected from the eligible networks based on identification of a desired breakeven transaction amount for the PIN-less network.

Systems, methods and computer program code are provided to select a payment gateway for use in a transaction which include receiving information identifying the transaction, identifying a set of available payment gateways, calculating a success probability associated with each payment gateway in the set of available payment gateways, selecting the payment gateway having the highest success probability, and causing the transaction to be processed using the selected payment gateway.

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 system for authenticating the identity of a user at a transaction terminal including a fingerprint scanner and a keypad, both operably connected to a microcontroller. The microcontroller is integrated with a transaction terminal and is adapted to allow a user to access the transaction terminal upon authentication of the identity of the user. Authentication of the identity of the user is accomplished by recording an image of a fingerprint of the user, comparing that recorded image to a database of fingerprint images, receiving an input from a user via a keypad, the input corresponding to a personal identification number, and determining whether the personal identification number and fingerprint match an authorized user.