A payment service provider device determines that a first geolocation of a user device is within a predetermined proximity to a second geolocation associated with a merchant Point-Of-Sale (POS) device that is coupled to a network and provides, via the network to the merchant POS device, a communication that includes a user identifier associated with a user of the user device, such that the communication causes the user identifier to be displayed on a display device associated with the merchant POS device and the user is checked-in at a merchant location associated with the merchant POS and the second geolocation. The payment service provider device receives, via the network, a payment request that is associated with the user identifier, and then completes the payment request using a user account associated with the user identifier.

The method and system of the present invention allows the present invention to electronically verify age restricted purchases. The method of the present invention includes a step of receiving an application from a website using an electronic device. The next step creates a customer account on the website. The customer account is linked with the customer. The present invention then includes a step of providing biometric information linked with the customer. The biometric scanner is utilizing the native biometric functions of the customer's communication device to gather visual information such as facial structures and thumbprints. The present invention then includes a step of providing a customer token to an approved customer. A customer will scan an age restricted product. The store device will initiate a subroutine asking the customer if they want to do a self-age verification. If the customer wants to proceed with the self-age verification, the customer will use their biometrics on their communication device to open the web application into purchase mode. The store device will provide a barcode for the transaction token. The customer will use the web application to scan the barcode. This will combine the customer token from the communication device and the transaction token from the store device and form a request token. The communication device sends the request token to the centralized server. The centralized server processes the request token. Finally, if approved, an approval token is received by the store device to allow for the age restricted purchase.

The disclosure is directed to a continuously and automatically updated authentication mechanism for authentication, in real-time, the processing of transactions at point of sales devices based on corresponding target-specific identifiers. In one aspect, a processing server includes one or more memories having computer-readable instructions stored therein, and one or more processors. The one or more processors are configured to execute the computer-readable instructions to receive a request for processing a transaction; identify a merchant-specific identifier for a merchant associated with the transaction; determine, in real-time and using a machine trained model, whether the merchant-specific identifier is a valid merchant-specific identifier or not; and process the transaction based on whether the machine trained model indicates that the merchant-specific identifier is valid or not.

Methods and computer systems for including a data acceptance condition in a data transfer proposal. Receiving, from a second computing system, a transfer message for a transfer between a first account associated with a first computing system and a second account associated with the second computing system, the transfer message including routing data, an amount of resources to be transferred, and a condition associated with the transfer. Evaluating the condition associated with the data transfer based on a comparison between data included in the transfer message and one or more parameters associated with the first account. When the condition is determined to be satisfied, completing the transfer.

A method of staging a transaction includes receiving transaction information including a transaction type selection, a send amount, sender and recipient information, and compliance data. A staging record is generated responsive to the transaction information including at least a retrieval key to identify the staging record and a transaction type identifier expressing the transaction type selection. The transaction type selection is detected from the staging record, which is sent to an agent terminal set up to handle the transaction. The method further includes providing instructions for fulfillment of the transaction at the agent terminal. The transaction is rejected if the retrieval key does not lead to the staging record and the transaction proceeds if the retrieval key leads to the staging record. The transaction proceeds if the send amount and compliance data are consistent with applicable compliance rules and the transaction is rejected if the compliance rules are not met.

Systems and methods are disclosed herein for a user to use a trusted device to provide sensitive information to an identity provider via QR (Quick Response) code for the identity provider to broker a website login or to collect information for the website. A user may securely transact with the website from unsecured devices by entering sensitive information into the trusted device. The identity provider may generate the QR code for display by the website on an unsecured device. A user running an application from the identity provider on the trusted device may scan the QR code to transmit the QR code to the identity provider. The identity provider may validate the QR code and may receive credential information to authenticate the user or may collect information for the website. Advantageously, the user may perform a safe login to the website from untrusted devices using the trusted device.

Embodiments provide a computer-executed method, a computer system and computer program product for initiating a command. The method includes causing a consumer input definition interface to be displayed on a visual display of a computing device associated with a consumer, wherein the consumer input definition interface includes an indication of a command. The method also includes, while the consumer input definition interface is displayed, receiving input definition data defining a consumer interaction by the consumer. The method also includes generating a compound consumer input based on the input definition data, and associating the compound consumer input with the command and the consumer. The method further includes storing the association between the compound consumer input and the command on a non-transitory storage device so that receipt of the compound consumer input from the consumer automatically initiates the command.

A method for authorization of multiple transactions using a single authentication process is described. The method includes determining that a user is an authorized user based on user credentials associated with the user; authorizing a transaction device identified by the authorized user for future electronic transactions with one or more restrictions; and providing previously stored payment card information associated with a user account of the authorized user for electronic transactions initiated at the authorized transaction device in accordance with the one or more restrictions.

A computer implemented method, in a transaction processing server, of initiating a transaction, is disclosed. The method comprises: receiving, from a server associated with a merchant, an indication of a pending transaction between the merchant and a consumer; receiving, from a missed call processing server, an indication of a missed call made by the consumer, the indication of the missed call made by the consumer comprising an indication of a telephone number associated with the consumer; identifying the missed call made by the consumer with the pending transaction between the merchant and the consumer; looking up, in a consumer account database, an account associated with the consumer using the telephone number associated with the consumer; and generating a transaction authorization request for a transaction between the account associated with the consumer and an account associated with the merchant.

Disclosed are methods and systems for enabling a package of assertions to be provided to a relying entity seeking to interact with an account. A server computer may receive, from a relying entity, a request for assertions, wherein the request for assertions includes an identifier of the relying entity and a hash of an identifier of an account. The server computer may determine an assertions model based on the identifier of the relying entity. The server computer may retrieve a package of assertions associated with the account based on the assertions model and the hash of the identifier of the account. The server computer may transmit the package of assertions to the relying entity.