A method for performing a card-to-card direct contactless transaction between a first active stored-value smart card (“SVSC”) and a second active SVSC, each comprising an active near-field communication (“NFC”) reader. The method may include activating the first active SVSC by receiving input of a personal identification number (“PIN”) on a keypad located on the first active SVSC, verifying the PIN and further receiving input of a transaction amount on the keypad. The method may further include initiating a wireless NFC communication to perform the transaction by positioning the first active SVSC within a pre-determined distance to the second active SVSC and confirming accuracy of each of the first and second active SVSC using the active NFC reader to retrieve card ID data and confirm accuracy. Following confirming, the method may include directly completing the transaction between the first active SVSC and the second active SVSC.

Systems and methods for peer-to-peer money transfers are disclosed. The system may allow senders to transmit money transfers to receivers. The system may receive a money transfer request from the sender comprising the designated receiver, a money transfer amount, and a sender transaction account. The system may generate a receiver transaction account associated with the designated receiver, wherein the receiver transaction account comprises the money transfer amount. The system may provide the receiver access to the receiver transaction account using different channels, including by providing a digital transaction instrument or a physical transaction instrument.

The present disclosure relates to a method of amending a fingerprint template for a user of a smart card, where the user of the smart card is progressively enrolling based on comparison and/or using a separate credential such as a PIN code. The present disclosure also relates to a corresponding smart card and to a computer program product.

An automated payment method performed by an automated payment system include: receiving a payment request for a home shopping order from a user of a home shopping server associated with a home shopping broadcast; performing, in an authentication processor, authentication processing on the user based on a user information included in the payment request; and performing, in a payment processor, payment processing corresponding to the payment request based on the user information in response to successful authentication of the user.

Systems and methods are disclosed herein relating to payment processing systems. Payment processing systems facilitate financial transactions between customers and vendors. Cash-enabled payment processing systems facilitate transactions by those without bank accounts or who choose to use a cash-based system. Communication between vendors and customers simplifies invoicing and encourages payment.

A computer implemented method for enabling a payment transaction in a computer system executed at least partially by a computer of a user connected via a communication network to a remote computer comprising a database of payment-related data, said method comprising the steps of: a) accessing the payment-related data of a user from within the database, wherein a web browser extension on the user's computer is invoked by the user clicking on a web browser extension graphical user interface (GUI) widget displayed on the user's computer, wherein secure network access is established to access the user's payment-related data from within the database; b) presenting the user's payment-related data via a pop-up window displayed on the user's computer, without requiring application programming interface integration with a website or a web application of a payee, and without requiring a form re-direct away from the website or the web application of the payee; c) enabling the payment transaction, wherein the web browser extension invokes an auto-complete function to automatically populate fields of a checkout form presented from the website or the web application of the payee with the user's payment-related data.

A financial transaction method includes receiving a request to perform a financial transaction at a financial institution, generating a single-use transaction key for the financial transaction, and storing at least a first portion of the transaction key in a storage medium. The transaction key is transmitted to a user that requested the financial transaction, and an authorization request including at least a second portion of the transaction key is received from a merchant. The second portion of the transaction key received from the merchant is compared to the first portion of the transaction key to determine if the transaction should be authorized. An authorization message is transmitted to the merchant if the second portion of the transaction key received from the merchant matches the first portion of the transaction key. The financial transaction is funded from an account of the user if the financial transaction is authorized.

The invention relates generally to the provisioning of payment instruments onto electronic devices such as a mobile telephone, tablet, laptop or wearable, and in particular to securely provisioning payment instrument for which authorisation for the provisioning must be provided by a payment instrument issuer. A first embodiment is provided in which data that is generated during a transaction is received by an electronic device and transmitted from the electronic device to a server associated with an acquirer. The data received from the electronic device is compared to the data generated during the transaction and, if these match, provisioning is authorised. A second embodiment is provided in which a server associated with an acquirer generates an identification message that is separate from but based on a response message associated with a transaction, and provisioning is authorised or declined based on the identification message.

Disclosed in some examples are methods, systems, and machine readable mediums for secure end-to-end digital communications involving mobile wallets. The result is direct, secure, in-band messaging using mobile wallets that may be used to send messages such as payments, requests for money, financial information, or messages to authorize a debit or credit.

Techniques for conducting transaction(s) between a merchant and customer(s) via a multi-device point-of-sale (POS) system is described. The multi-device POS system can include a customer-facing device having a first processor for processing first instructions for presenting a customer user interface (UI) on a display of the customer-facing device. The customer-facing device can include a payment reader that is accessible by the one or more customers. Further, the multi-device POS system can include a first merchant-facing device having a second processor for processing second instructions for presenting a first merchant UI, which can enable the merchant to perform a first action associated with a first transaction of the one or more transactions. The first merchant-facing device can be coupled to the customer-facing device. The multi-device POS system can further include an application, which can be stored on the customer-facing device, a second merchant-facing device, or a personal device, for presenting a second merchant UI enabling the merchant to perform a second action.