A computer system includes a database, a communication interface, and a processor. The processor is programmed to receive a request message from an issuer computing device. The consent message includes a client ID and encrypted transaction card details for a transaction card account. The processor is also programmed to decrypt transaction card details. The processor is also programmed to match the client ID to the transaction card details using a BIN mapping table stored in the database. Based on the mapping, the processor generates an issuer access token. The issuer access token is associated with the transaction card account. The processor stores the issuer access token in the database and transmits the token to the issuer computing device.

A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to receive transaction card details from the cardholder computing device. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor(s) authenticates the cardholder and transmits the digital access token to a third party provider.

A digital transaction is secured by leveraging tamper-resistant hardware associated with at least one of the devices involved in the transaction. The mechanism that controls the transaction between a sending device and a receiving device, such as the application or an application plugin, is configured to allocate a high degree of trust to at least one of the devices with tamper-resistant hardware. This way, any confirmations and representations from the device with the tamper-resistant hardware can be trusted and locally relied upon. The tamper-resistant device is configured with rules to prevent certain actions, such as double spending and overspending, among other rules. Thus, so long as the receiving device can verify that the sending device is configured with tamper-resistant hardware, the receiving device can trust that the sending device is acting within the confines of its prescribed rules and that the money will transfer.

A non-transitory computer-readable recording medium recorded with an information processing program executable by a processor of an information processing apparatus, the information processing program causing the processor to perform operations including configuring an operation area on a display unit of the information processing apparatus, the operation area being associated with a payment target candidate user, determining a payment amount, based on an extent of an action in a user operation performed in the operation area, and transmitting information about a payment of the payment amount with respect to the payment target candidate user.

A zero-step authentication system and method which uses wireless mobile devices to automatically make payments in a secure manner without requiring the customer to handle his or her mobile device. The system and method uses a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, and automatically deducts payments for purchases from a pre-authorized customer account. The customer account is managed by a payment processing server, which stores the customer account data, makes appropriate deductions, sends confirmation of deductions to the customer's mobile device, and automatically refills the customer's account by making pre-authorized charges to the customer's banking institution.

Systems, methods, and computer-readable media provide automated identification techniques that associate at least two unique identifiers of one segment of a segmental multimode wireless flexible product to seamlessly and accurately bridge different identification methodologies to enable advanced real-time tracking of shipment location and status, and other such useful and advanced product and service offerings.

Disclosed are non-limiting methods for authenticating devices, comprising 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 comprising 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 comprising 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, comprising 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.

Aspects of the disclosure relate to providing augmented reality user interfaces for ATM transactions. In some embodiments, a computing platform may receive presence information indicating that a mobile computing device is within a predetermined distance of a first ATM at a first location, authenticate a user of the mobile computing device to an online banking account, and generate a transaction-specific device identifier that uniquely identifies the first ATM at the first location. Thereafter, the computing platform may generate and send an augmented reality user interface to the mobile computing device, prompting the user to use the mobile computing device to capture the transaction-specific device identifier. Based on verifying that the user is authorized to perform a transaction at the first ATM, the computing platform may cause an NFC connection to be established between the mobile computing device and the first ATM, via which the transaction may be conducted.

A consumer-operated kiosk can include an inspection area configured to receive a first device from a user. The kiosk can include an imaging device configured to image the first device when the first device is positioned within the inspection area. In some embodiments, the kiosk includes a vending apparatus configured to store a plurality of second electronic devices for purchase. The kiosk can include one or more release mechanisms configured to directly release any one of the second electronic devices from the vending apparatus. The kiosk includes one or more processors operably connected to the inspection area, the imaging device, the vending apparatus, and the one or more release mechanisms. The one or more processors can be configured to cause the imaging device to capture one or more images of the first electronic device, facilitate purchase of the first electronic device based at least in part on the one or more captured images of the first electronic device, receive a request to vend a selected phone from among the phones in the vending apparatus, and/or cause the one or more release mechanisms to release the selected phone directly from the vending apparatus into a vending bay of the kiosk.

A method implemented on an augmented reality electronic device includes establishing a wireless connection with an automated teller machine (ATM). The AR electronic device is used to authenticate a user of the AR electronic device at the ATM. An initiation is permitted of a financial transaction through user interface functionality for the ATM that is displayed on the AR electronic device. Financial information for the financial transaction is displayed on a display screen of the AR electronic device, instead of displaying the financial information at the ATM.