Disclosed herein are systems and methods for performing online payment transactions from any web page being accessed on a client device by automatically generating a payment application icon on the web page through which a user can make payments. The content of the web page may be analyzed to determine if the user is conducting a payment. When a payment request is identified, a payment application icon is displayed on the web page. When the user interacts with the payment application icon, a payment prompt is displayed where the user can input payment information. Upon the user providing payment information, a payment server transmit a payment to an account associated with the web page, based on the user's payment information.

A method for redacting sensitive information from an audio stream, such as a voice signal in a telephone call, in real time is provided. The method includes: receiving an audio stream; conveying the audio stream through a channel that includes a valve; detecting, from within the audio stream, a first event that indicates an onset of sensitive information; closing the valve so that the conveying of the audio stream through the channel is temporarily stopped; detecting, from within the audio stream, a second event that indicates an ending of the sensitive information; and reopening the valve so that the conveying of the audio stream through the channel is resumed. The sensitive information may include payment card industry (PCI) information, such as a card number and/or a card verification value (CVV).

Systems and methods for recurring payment management are disclosed. In one embodiment, a method for recurring payment management may include (1) a computer processor for an issuer receiving, over a network, a plurality of card not present transactions using a customer's financial instrument, each card not present transaction involving a merchant; (2) the computer processor for the issuer communicating, to an electronic device associated with the customer, an identification of each merchant having a card not present transaction; (3) the computer processor receiving an action involving one of the merchants from the electronic device; and (4) the computer processor executing the requested action.

A digital representation system may include a transmitting device comprising a processor and a memory; an application comprising instructions for execution on a device; and a server. The transmitting device may be configured to transmit, to the application, a first set of data via one or more processes. The application may be receive, from the transmit device, the first set of data. The application may transmit, to the server, a second set of data from the application, the second set of data comprising a subset of the first set of data. The server may identify a third set of data based on the second set of data. The server may be configured transmit, to the application, the third set of data. The application may be configured display a fourth set of data, the fourth set of data comprising a digital representation of the transmitting device.

Systems, devices, and methods are provided for frictionless self-checkout for consumers in retail establishments.

Embodiments of the inventive concept described herein relate to a virtual card number-based financial transaction apparatus, a virtual card number-based financial transaction providing method, and a virtual card number-based financial transaction providing program, and more particularly, relate to an apparatus, method, and program that may provide a user with an electronic wallet service in an environment where an infrastructure of a financial transaction service is not established.

A method for securing operations is described. In this method a user requests that a service provider device perform an operation, the service provider device transmitting to a certification device a request to validate the requested operation while indicating a key associated with the user. The certification device identifies the user associated with the key and transmits a dynamic code request to the user. A device that generates dynamic codes assigned to the user generates a first version of the dynamic code and transmits it to the certification device, which compares it with a second version of the code in order to decide whether it would or would not be appropriate to inform the service provider device that the requested operation has been validated.

Systems and methods are described that allow users to continue utilizing their user accounts and user devices associated with a first authorization entity for transactions conducting with a second authorization entity. A processor server computer may translate a first data set including first account identifier and a first verification value associated with a first authorization entity during authorization processing into a second data set including a second account identifier and a second verification value that can be processed by a second authorization entity. The processor server computer may modify an authorization request message based on the translated data set. The processor server computer may also enable the authorization request message to be routed to an appropriate authorization entity during authorization processing.

Systems, methods, and computer-readable media for providing accurate images of cards. An application executing on a mobile device may receive authentication credentials for an account, determine a card associated with the account, and determine a card manufacturer identifier (CMID) of the card. The application may receive, from a digital asset management system based on the CMID, a plurality of metadata attributes of the card and one or more images of the card. The application may determine, based on the metadata attributes and attributes of the mobile device, a first orientation of the card to enable near-field communication (NFC) data transfer between the card and the mobile device. The application may select a first image of the card. The application may generate a graphical user interface (GUI) including the first image and an indication specifying to tap the card to the mobile device according to the first orientation.

A method for contactless payment relay attack protection includes receiving an online authorization request including a cryptogram, a measured processing time, and a reference processing time from a terminal. The cryptogram is verified, and a determination is performed as to whether the measured processing time exceeds the reference processing time. An online authorization response authorizing or declining a monetary transaction is transmitted, based on the determination. An artificial intelligence transaction analysis can be performed based on past and current conditions (e.g., battery level, operating system, open applications) of a payment device such as a mobile phone, past and current conditions of a terminal, and/or a monetary amount. The online authorization response can be based on the artificial intelligence transaction analysis.