Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

The present disclosure relates to knowledge based authentication whereby a user is authenticated through third-party linked accounts. The method includes receiving an authentication request from a merchant computer, assessing one or more data fields to generate an authentication challenge for the user, connecting to one or more third-party account service provider to extract user-related data, generating the authentication challenge based on the extracted user-related data from the third-party account service provider, posing the authentication challenge to the user on a user device, receiving a response to the authentication challenge, and returning the authentication response to the merchant.

Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.

Various embodiments are generally directed to techniques to perform transaction with transaction cards utilizing characteristics of customer's signature. Techniques may further include determining characteristics of a signature including a reduced set of data points for the signature and storing the characteristics in secure memory of transaction card. The transaction card including the characteristics are used to perform transactions, such as those performed at Point-of-Sale (POS) terminals.

A provider computing system associated with a provider institution includes a network interface configured to communicate data over a network, and a processing circuit. The processing circuit is configured to receive, by the network interface, image data from a user computing device associated with a user, the image data pertaining to a bill of a user issued by a payee, extract a first structure of computer-readable data from the image data, associate a first payee identification parameter with the first structure, determine that the first structure is stored in association with a verified payee at a payee database based on the first payee identification parameter, and in response to determining that the first structure is stored in association with the verified payee, update an account of the user to enable the user to utilize the user computing device to authorize a payment to the payee.

Implementations of the present specification provide a service processing method. The method is performed by a service platform, the service platform including multiple area sites corresponding to multiple service areas, and each area site including a corresponding buyer service site and seller service site. The method includes: splitting a whole-order service into a buyer service and a seller service; further, on one hand, routing the buyer service to a buyer service site in a service area that a corresponding buyer belongs to, for the buyer service site to process the buyer service through interconnection with the buyer based on an area user identifier, and to locally store processed data, where the area user identifier is determined based on multiple area identities associated with a domain-wide identity corresponding to the buyer; and on the other hand, routing the seller service to a seller service site in a service area that a corresponding seller belongs to, for the seller service site to process the seller service through interconnection with the seller, and to locally store processed data.

Techniques are disclosed relating to facilitating secure communication of private user data between different entities for a verification process conducted during an electronic interaction between the user and a verifier entity. In disclosed embodiments, a verification service executing on a server computer system for a verification session for verifying a holder entity on behalf of a verifier entity receives a verification request from a remote computer system. The verification request includes an attestation proof generated from one or more credentials and the verification service communicates with a holder service that manages an identity storage storing credentials for the holder entity. The verification service transmits, to the verifier service, the attestation proof and then receives, from the verifier service based on the proof, verification results that are usable by the verifier to determine whether to process an action requested by the holder prior to requesting verification.

Techniques for order processing and for providing order processing application functionality using webpage non-fungible tokens (NFTs). A method includes accessing a database including nodes to identify a user and a payment account with respect to a request for processing of an order received via a webpage NFT. The webpage NFT is a webpage encoded into at least one portion of code and represented as at least one webpage and NFT node pair in the database. The user and the payment account are identified based on nodes in the database connected to the webpage and NFT node pair. The method also includes accessing the identified payment account in order to cause processing of a payment for the order and processing the order when the payment has been processed.

A checkout apparatus in one embodiment includes a control unit that causes a display unit to display a selection screen on which a payment method can be selected from a plurality of payment methods. The control unit receives privilege presence information from an input unit, such as a touch panel, barcode scanner, or the like. The privilege presence information indicates whether or not a customer intends to pay with a specific payment method with which a privilege is associated. If the received privilege presence information indicates the customer intends to pay with the specific payment method, the selection screen permits only the specific payment method to be selected.

An embodiment for managing peer-to-peer (P2P) donations in an online transaction is provided. The embodiment may include receiving data relating to a donation agreement from a donor. The embodiment may also include selecting one or more authentication techniques to identify a donee. The embodiment may further include generating a unique redemption authentication token for the donee. The embodiment may also include creating a transient donee account including the generated unique redemption authentication token. The embodiment may further include transferring monetary funds to the created transient donee account with instructions to redeem the transferred monetary funds. The embodiment may also include receiving a request from the donee to redeem the transferred monetary funds utilizing the generated unique redemption authentication token. The embodiment may further include in response to determining the donee is able to be verified, approving the received redemption request.