A method including receiving a first application user credential associated with a user profile; comparing, for a first match, the first application user credential with a stored second application user credential, wherein the stored second application user credential is associated with a user identity; and responsive to finding a first match, verifying the user identity by performing the following: communicating with a card using near field communication; receiving a public key of a key pair of the card and cardholder identification information of an account holder of the card; instructing the card to generate a digital signature; receiving the digital signature from the card; verifying the digital signature using the public key; and comparing, for a second match, at least a portion of the user identity with at least a portion of the cardholder identification information.

A method, an apparatus, and an electronic device for data processing, and a computer-readable storage medium are provided. The method includes: generating unique identification information associated with a user account; transmitting the unique identification information to the user account; receiving, from a server associated with an institution which verifies identity information corresponding to the user account, the unique identification information and a non-payment service request related to the user account; and identifying the user account based on the unique identification information, and providing the user account with a non-payment service based on the non-payment service request.

Methods for automated transactions at self-service computing apparatuses are provided. In some embodiments, the transaction comprises requesting a user selected transaction type and may further comprise dispensing a monetary amount to the user. In other embodiments, the transaction comprises dispensing a payment from a payer. In other embodiments, the transaction comprises administering the exchange of recyclable material for the value of the recyclable material. In other embodiments, the transaction comprises effecting a purchase of a regulated product from a vendor. In some embodiments, the method comprises verifying the identity of the individual performing the transaction at the self-service computing apparatus using at least one biometric profile.

Disclosed are non-limiting methods for authenticating devices, including receiving a request for a device authentication identifier, transmitting a device authentication request message via a frame embedded in a webpage of a merchant website, the device authentication request message including challenge data associated with a challenge, receiving a device authentication response message via the frame embedded in the webpage of the merchant website based on the device authentication request message, the device authentication response message including challenge response data associated with a challenge response, transmitting the device authentication identifier message based on the device authentication response message, receiving a transaction request message for a transaction, including the device authentication identifier and transaction data associated with the transaction, determining the device score based on the device authentication identifier, and generating an authorization request message based on the transaction data and the device score. Systems and computer program products are also disclosed.

The present invention provides a virtual code-based transaction system, method and program, wherein the method includes a virtual code reception step in which a virtual code verification means receives a virtual code, and the virtual code is generated by a virtual code generation function included in a virtual code generation means, searching, by the virtual code verification means, for a storage location of a User Identification (UID) in the virtual code, searching, by the virtual code verification means, for control command information stored by matching the searched UID, and performing a control command based on the extracted control command information, wherein the virtual code verification means stores a plurality of UIDs and changes control command information matched to each of the plurality of UIDs every preset period.

Embodiments of the inventive concept provide a method, program, and system for providing a virtual corporate card-based financial transaction that may reduce the issuance of unnecessary physical corporate cards and may conveniently and quickly manage the issuance and management of corporate cards in real time.

Methods and computer systems for configuring recurring data transfers. Receiving, from a first computing system, a request to configure a recurring data transfer to a recipient, the request provided as a request for an immediate data transfer, the request for the immediate data transfer indicating a requested transfer amount and an intended transferor, the intended transferor indicated using an alias. Receiving user input from a computing device engaged using the alias, the user input including an indication of authorization of the immediate data transfer, the indication further including an indication of consent to pre-authorization of the recurring data transfer. In response to receiving the user input, transmitting a message to a system associated with the recipient, the message transferring data indicating the requested transfer amount, and wherein the message further includes an indication to the system associated with the recipient of consent to pre-authorization of the recurring data transfer.

A split payment method at a transaction time requires a unique/special password for a payment transaction in the time of creating a split payment definition. A split payment can be initiated before a purchase, relevant confirmations can be received from stakeholders, and the split payment can be addressed with a password defined for a specific purchase. The split payment method also provides a real time authorization mechanism that allows to split the payment amount between the stakeholders.

A system to process virtual credit card (VCC) payments automatically is provided. Electronic delivery of VCC payment information may be transferred as electronic data representing a VCC payment to the seller (e.g., an email). Data exchange methods for VCC payments include application programming interfaces (APIs), email, files, etc. Secure processing is provided via an environment that meets rigorous security standards (e.g., Payment Card Industry (PCI) data security standards). Credentials of the sending entity establish the context that allows the system to associate the data received with the correct buyer and seller. Authentication may be provided within the context of the data transferred. Authentication may also use the sender's email address to validate the sender using a digital signature of the email contents. The system may combine digital signature validation of an email with a validation of a sending entity using the DomainKeys Identified Mail (DKIM) email authentication protocol.

A system and method for routing ATM transactions. A transaction request is received at an external application programming interface (API) associated with an account holder. The external API runs on a first processor. The transaction request is validated and authorized at the external API. Information about the transaction is forwarded from the external API to an internal API associated with an automated teller machine (ATM). The internal API runs on a second processor. A unique identifier is generated for the transaction request and provided to a user. The unique identifier is received from the user at the ATM without the user presenting any card and without connecting a mobile device of the user to the ATM. The unique identifier is provided from the ATM to the internal API to confirm a validity of the transaction. The transaction is implemented at the ATM by either dispensing cash or accepting a deposit.