A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.

A system, methods, and apparatuses are provided for valuation and exchange of stored value assets, information of value, and the transfer of value to or among individuals. The exchanged assets may be of a similar nature, e.g., music files exchanged for other music files, and exchange or trade of information such as rewards value or a restaurant coupon. The exchanged assets may also be other dissimilar assets exchanged between individuals and/or entities. The exchange may be initiated in numerous ways such as after completing a review, exchanging or trading a gift card, a prepaid card, a reward card, a coupon, a ticket, a pass, and/or the like when in proximity to a specific location or a location of some type or category, and/or exchanging or trading of other assets between individuals based on one or more constraints such as time, location, need, desire for the assets, and/or proximity.

Systems and methods for managing mobile payments is provided. An account issuer provides an application that is loaded onto a mobile device, which enables a consumer to pay for transactions. The mobile payment application generates a unique code. The code is read by the point of sale terminal, which is then provided to the payment management system. The payment management system contracts the account issuer and authenticates the code, thereby receiving a primary account number. Account number and transaction information is used to authorize the transaction via payment systems. The payment system accepts or declines the transaction in a response. Tokens may be generated for the account number, and value added services may be generated based upon user behaviors.

An embodiment includes a method executed by at least one processor comprising: determining inventories for first and second times for a first vending machine (VM); determining inventories for first and second times for a second VM; determining inventories for first and second times for a third VM; and determining a service route to visit the first and second VMs on a specific date, and to specifically avoid visiting the third VM on the specific date, in response to determining the inventories for the second times for the first, second, and third VMs. Other embodiments are described herein.

A method of remotely activating a transaction device includes receiving, at a computing system, a mobile device identifier from a mobile application executed on a mobile device. A selection of the transaction device is received from the application. The selection includes an identifier of the transaction device. A selection of a transaction amount related to purchase of a product is received from the application. An authorization request for a payment account associated with the mobile device is communicated to an issuer of the payment account. The authorization request is for a transaction of at least the transaction amount. An authorization approval for the transaction is received from the issuer and a signal to activate the transaction device to dispense the product is sent based on the identifier. The transaction device is deactivated upon dispensing the transaction amount and a receipt of the transaction is provided to the mobile device.

A system, a medium, and a method involve a communication interface of a server device that receives first activity data associated with a first activity of an account and second activity data associated with a second activity of the account. A processor of the server device determines a first location of the first activity from the first activity data and a second location of the second activity from the second activity data. An authentication circuit of the server device determines a first authentication of the first activity based at least on the first activity data. The authentication circuit determines a second authentication of the second activity based on at least one of the first authentication, the first location, and the second location. A transmitter of the communication interface transmits an indication of the second authentication to a client device.

Systems, methods, and computer-readable media for conducting a transaction using an electronic device with a non-native credential are provided. In one embodiment, a client electronic device in a system including a credential subsystem, a processing subsystem, and a host electronic device may include an online communications component and a processor that accesses, from the processing subsystem, potential transaction data indicative of a transaction, communicates, to the host electronic device using the online communications component, credential request data based on the potential transaction data, receives, from the host electronic device using the online communications component, host credential data based on the credential request data, and communicates, to the processing subsystem, the host credential data, wherein the host credential data is operative to access funds or other suitable enabling elements from the credential subsystem for funding at least a portion of the transaction. Additional embodiments are also provided.

The invention relates to a method for registering the presence of a user in a given zone, as well as a system for implementing said method. The user is equipped with a mobile user device with a pre-installed user mobile application. The user gains access to the given zone by at least one entry zone. The method includes the following steps performed in sequence: during or after installation of the application on the mobile device, a first data packet containing a first key is transmitted from a central server or local computer to the application; when the user mobile device with the application installed thereon enters the entry zone of the given zone, a second data packet containing a second key known to the local computer is transmitted wirelessly to the application, wherein transmission of the second data packet is done by means of at least one transceiver with a directional antenna, creating the entry zone; a third data packet containing data about the first and second keys, an identifier of the user mobile device, and/or SIM card identification data is transmitted from said user mobile device with installed application to the local computer via the at least one transceiver; on the basis of the first and second keys, a ticket containing at least one fillable first digital container is generated in the application, the ticket is saved in the user mobile device, and at least one fillable second digital container containing the third data packet is generated on the local computer, the second digital container being saved on the local computer.

Systems and methods are provided for managing foreign transactions. An exemplary method may include providing, to a device of the user, instructions to display an application interface. The application interface may receive user requests to specify a foreign geographical area and to enable and disable the foreign transaction service in the foreign geographical area. The method may also include receiving, through the application interface, a request to enable the foreign transaction service. The method may include associating a transaction rule with the payment account. The transaction rule may define a condition upon which approval of a foreign transaction is permitted. The method may also include receiving a foreign transaction authorization request associated with the payment account. The method may also include approving the foreign transaction authorization request when the condition is met and declining the foreign transaction authorization request when the condition is not met.

A method for processing a transaction between a source terminal and a destination terminal having a transaction phase is disclosed. In one aspect the method comprises receiving by a source BTS, connected to the source terminal a transaction request originating from the source terminal the request carrying at least one identifier of the destination terminal and a transaction amount. Then obtaining by the source BTS destination terminal location information on the basis of at least one location database, denoted BLDB and the destination terminal identifier. Then determining by the source BTS at least one destination BTS connected to the destination terminal on the basis of the destination terminal location information. Then transmitting to the destination terminal by the destination BTS the request or one item of information relating to the transaction.