Methods and systems for dynamically generating a verification value for a transaction and for utilizing such value to verify the authenticity of the payment service application. The dynamically created verification value may be generated on a payment device, such as an integrated circuit credit card or smart card, embedded into the payment data, and transmitted to a point of sale terminal. Alternatively, payment data is sent by a payment device to a point of sale terminal, which generates a verification value and embeds it into the payment data. The embedded verification value is used by a service provider to verify the authenticity of the transaction. The methods and systems may be used in a contactless (wireless) environment or a non-wireless environment.

Online transactional processing systems, methods, and computer program products for processing an alternative method of electronic payment (AMOP) in online transactions. A mass storage memory device hosts a database that stores data for transforming one or more virtual payment forms into data that relates to one or more AMOP's. Each of the one or more virtual payment forms stored in the database is compatible with a legacy system of a merchant. In response to receiving, in relation to an online transaction with the merchant, data that relates to an AMOP, the data that relates to the AMOP is transformed to create a virtual payment form that is compatible with the legacy system of the merchant. The virtual payment form is then transmitted to the legacy system of the merchant for processing, and data for transforming the virtual payment form into data relating to the AMOP is stored in the database.

Disclosed are methods and systems for payment card transactions, where a Card Verification Value (CVV) or Card Verification Code (CVC) is generated dynamically as part of a tokenized session.

Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.

A method for processing a transaction of a communications terminal, requesting a server, through a communications network, for implementing a transaction involving the use of payment data. The method is implemented by the communications terminal and includes: obtaining a user identification certificate, the user identification certificate being formed out of an identity document in the possession of a user making the transaction; inserting the user identification certificate into a transaction data structure; transmitting the transaction data structure to the server; and, when the user identification certificate received by the server is valid, receiving a piece of data representing the validation of the transaction by the server.

A method for executing a data processing task for an electronic transaction includes receiving an electronic transaction data set including parameters identifying a quantity of an electronic resource consumed from a purchaser resource pool by the data processing task;

upon receiving response signals indicative of instructions to defer execution of at least a portion of the data processing task thereby deferring a corresponding consumption of at least a portion of the quantity of the electronic resource from the purchaser resource pool, generating a second data processing task for releasing at least the portion of the electronic resource to the purchaser resource pool; and
generating deferred child data processing tasks for executing at least the portion of the data processing task at one or more future times which when executed, consume at least the portion of the quantity of the electronic resource from the purchaser resource pool.

A user may request receipts near a current location of the user or a desired location specified by the user. Once a location or address is determined or obtained, a service provider can access a database or other storage to search for receipts for the user within a certain distance from the current user location or desired location. This distance can vary based on results found or density of merchants in the area. The distance can be predetermined by the system or the user. All valid receipts within this distance can then be presented to the user on the user device, such as indications on a map, associated with merchant names and transaction details or summaries, and/or other formats and information.

An electronic device includes a secure element in which at least one application package is installed and a processor for communicating with the secure element. The secure element further stores a list with which a part or all of identification information of the at least one application package is registered. The processor controls the secure element such that an application package indicated by the identification information registered with the list is uninstalled, in response to a specified event. Various other embodiments recognized from the specification are also possible.

A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system.

Embodiments of the present invention provide a system for detecting unauthorized access via card characteristic verification. The present invention is configured to identify initiation of a resource distribution event via a resource distribution card at a resource distribution device, identify one or more characteristics of the resource distribution card, determine a first user associated with the resource distribution card based on the one or more characteristics, determine that the resource distribution card of the first user is associated with an issuing entity associated with a resource account of the first user based on the one or more characteristics, and authorize and process the resource distribution event based on determining that the resource distribution card is associated with the issuing entity associated with the resource account associated with the first user.