A method and apparatus for processing a transaction between a merchant and a customer of the merchant are described. The method may include generating, at an ingress server, an initial transaction message by generating a deterministic identifier for a card used in the transaction from card data received for the transaction and encrypting the received card data. The method may also include providing the initial transaction message from the ingress server to a payment server. Furthermore, the method may include updating, by the payment server in response to an authorization of the transaction determined based at least in part on the deterministic identifier for the card, the initial transaction message with authorization data, and providing the updated initial transaction message from the payment server to an egress server. The method may also include communicating a final transaction message to an authorization system for processing the transaction between the merchant and the customer based on the card data.

A communication device may receive input from a user and initiate generation of an interaction token in response. This interaction token can be used by the communication device in order search for a specific resource provider computer from among one or more resource provider computers, and to initiate a resource transfer between the user and a specific resource provider, mediated by a token provider computer.

Currently, many aspects of electronic transactions have become digital, and may therefore be performed online using mobile devices. However, many of these possibilities have been adopted by no longer supporting legacy systemsin the newer and emerging economies, this does not create a major problem as they have few consumers using legacy systems and methods. But this lack of interoperability limits the adoption of legacy-compatible systems and method. It also restricts their adoption in other countries. In addition, the increased use of payment through such electronic transactions is increasing the frequency and amount of fraudulent transactions.

A computer-implemented electronic transaction method 400 is provided comprising: providing 270 a transaction identifier 150 to initiate an electronic transaction, the transaction identifier 150 comprising: a routing identifier 160; a serial number (174) not directly associated with the user 210; contextual information 190 comprising one or more parameters associated with the generation of the transaction identifier 150; verification information 180 comprising a value calculated deterministically using the serial number 174 and the contextual information 190. The transaction identifier 150 is conveyed to an Authenticator 600 using the routing identifier 160; who authenticates the transaction identifier 150 using the verification information 180, the serial number (174) and the contextual information 190, and allows initiation if it is considered authentic.

The authenticator has a high degree of freedom in defining the validity of the data contents. The improved transaction identifier may be adequately authenticated using data and values comprised in the improved transaction identifier itself. Optionally, additional external data or values (not comprised in the improved transaction identifier) may also be used. By using a serial number not directly associated with the user, more possibilities and more flexibility are provided to initiate electronic transactions, and in particular, electronic payment transactions.

Various embodiments are generally directed to continuous authentication of a user to a digital service based on activity of a contactless card positioned proximate to a computing device on which the digital service operates. For example, a series of periodic status messages may be provided between a client device and the contactless card to verify whether the contactless card remains active, wherein authorization to access the digital service continues while the contactless card is active, and terminates when the contactless card is inactive.

Various embodiments are generally directed to techniques share transaction card information with another device. More specifically, embodiments discussed here include sharing transaction card information from one device to another device, such as a mobile phone or transaction card, such that a user of the other device may perform one or more authorized transactions.

A system and method for a secure remote payments process and for generation of one-time only remote payment cards is presented. Use of the one-time payment (OTP) cards can use multi-factor authentication where one factor is a biometric technique. A process can include generating an OTP card number based on a first encryption algorithm, an expiry date, and a security code based on a second encryption algorithm. A purchase amount, and the OTP card information are decrypted by an issuer to approve payment for a remote payment, after which the OTP card is no longer valid.

In various embodiments, a system and method for providing simplified checkout are provided. In example embodiments, an identifier that corresponds to a payment account of a user is received at a payment provider system. Account information from the payment account of the user is retrieved from a payment data storage of the payment provider system. The account information is used in a payment transaction involving a merchant system. A payment interface having transaction fields populated with the account information retrieved from the payment account of the user is presented to the user while the user maintains a presence on a webpage of a merchant system.

Systems, methods, and computer-readable media for facilitating frictionless credential provisioning on a user electronic device are provided.

Systems, methods, articles of manufacture, and computer-readable media. A communications interface may receive an indication that a server preauthorized a transaction. The communications interface may receive, from a point of sale device, an indication to pay for the transaction. The contactless card may determine, based on rules stored in the memory, that the location of the mobile device is within one or more locations the contactless card is permitted for use. The contactless card may generate transaction data comprising: indications of an account number and an expiration date of the contactless card, and the indication of the preauthorization. The contactless card may transmit the transaction data to the POS device as payment for the transaction. The server may authorize payment for the transaction using at least a portion of the transaction data based at least in part on identifying the indication of the preauthorization in the transaction data.

Embodiments of the present disclosure relate to methods and systems for authenticating and authorizing mobile-One Time Password (m-OTP) based transactions. A cardholder (101) can generate the m-OTP in an issuer mobile application (301) and enter in a checkout page for completing the transaction. Once the m-OTP is entered, a merchant system (104) generates a transaction message comprising the m-OTP and a unique identifier indicating that the transaction message comprises the m-OTP. Is submitted to a directory server (106) which sends the transaction message to an issuer system (107) for authentication and authorization. The issuer system (107) generates a response message comprising a result of authentication and authorization of the transaction message. The directory server (106) routes the response message to the merchant system (104) via the acquirer system (105).