Provided is a system, method, and apparatus for aggregated authentication in an online, open loop payment network. The method includes receiving a single authentication request message to conduct a plurality of transactions with a plurality of merchants, the single authentication request message comprising an aggregation identifier, detecting the aggregation identifier in the single authentication request message, in response to detecting the aggregation identifier, generating a single authentication response message comprising a plurality of authentication codes, each authentication code of the plurality of authentication codes corresponding to a merchant of the plurality of merchants, and communicating the single authentication response message to the merchant system, the single authentication response message configured to cause the merchant system to separately process each transaction of the plurality of transactions.

Various embodiments are directed to overlaying relevant product information in augmented reality via the use of near-field communication (NFC) and a product selection system. A user may authenticate into an application or user profile. Information about the user in the user profile may be used to determine which products are relevant to the user. Information related to the relevant products may then be displayed to the user in augmented reality, which improves at least the overall shopping and in-store experience.

Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated.

Systems and methods for associating a proxy card with an electronic wallet are disclosed. A computer implemented method may include receiving anauthentication information of a proxy card, and associating the proxy card with an electronic wallet, wherein associating the proxy card with the electronic wallet allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A system may include a proxy card comprising authentication information, and an electronic wallet associated with the proxy card, wherein the association of the electronic wallet with the proxy card allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A wallet redemption card may comprise a rewriteable magnetic stripe, a smart chip, a wireless communicator operably connected to the smart chip, and an interface operably connected between the rewriteable magnetic stripe and the smart chip.

Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is communicatively coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computer's display, or may display the value to the user using the computer's display.

Systems, methods, articles of manufacture, and computer-readable media. A web browser of a device may receive selection of a uniform resource locator (URL). An operating system may download an application from an application server based on the URL. The application may identify a plurality of applications installed on the device and select a first institution corresponding to a first application. The application may receive a cryptogram from a contactless card associated with the first institution and transmit the cryptogram to an authentication server. The application may receive an authentication result specifying the authentication server decrypted the cryptogram. The web browser may receive, based on the decryption of the cryptogram, an account number, an expiration date associated with the account number, and a card verification value (CVV) associated with the account number. The web browser may provide the account number, expiration date, and CVV to a server associated with the application.

Techniques and arrangements for dynamically modifying a cardholder verification method (CVM) implemented at a point-of-sale (POS) device. In some instances, the techniques instruct a POS device to determine an attribute associated with a received payment instrument and determine, based on this information and via the issuing entity, whether to implement a default or static CVM or whether to apply a modified or dynamic CVM such that the POS device requests different verification information than if the POS device did not modify the CVM. The modified or dynamic CVM may be implemented if a customer's device, present at the location of the payment transaction, has installed thereon an application of the entity that has issued the payment instrument.

A method and system for providing secure card-based discrete or repeating transactions. A client having a credit/debit card, e-wallet or other financial account generates unique tokenized payment credentials for the card transaction using a local computer process. The tokenized payment credentials comply with Payment Card System format and can be provided to the merchant and included in a transaction authorization message from the merchant. A payment authorization server within the card payment system authenticates the tokenized credentials and forwards a transaction authorization message to an issuer or other payment processor.

A method and system for providing secure card-based discrete or repeating transactions. A client having a credit/debit card, e-wallet or other financial account generates unique tokenized payment credentials for the card transaction using a local computer process. The tokenized payment credentials comply with Payment Card System format and can be provided to the merchant and included in a transaction authorization message from the merchant. A payment authorization server within the card payment system authenticates the tokenized credentials and forwards a transaction authorization message to an issuer or other payment processer.

An auxiliary security code called a CVC2a is generated to replace a CVC2 value that is presented on a payment card for verifying card-not-present (CNP) transactions without necessarily generating a replacement card. An enhanced card table/file is maintained by a payment network operator to facilitate transitional scenarios in which the payment cards are reissued or replaced.