Systems and methods are disclosed for secure transmission of account information messages. One method comprises receiving account information; providing a notification to a third party regarding the account information; receiving a first request for information regarding the notification from the third party; providing a response to the third party regarding the first request; receiving data from the third party; using the data to generate a message including details about the account, wherein at least some of the details about the account are encrypted; receiving a second request for information regarding the notification from the third party; and providing the message to the third party.

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.

Authenticating a secure element payment card includes transmitting a cold reset signal to the payment card and receiving an answer-to-reset message therefrom. The answer-to-reset message includes governing rules for performing a transaction, including a rule indicating that a secure data element is to be used to authenticate the payment card. The process also includes receiving payment account details for a payment account associated with the payment card. A payment authorization request message is transmitted to an interchange network and a card authentication request message is then received from the interchange network. The card authentication request message includes an encrypted instruction, which is transmitted to the secure element payment card. The secure data element is received from the payment card and a card authentication request response message is then transmitted to the interchange network. A payment authorization request response message is then received from the interchange network.

Secure authentication and delayed transaction processing for booking management systems is provided. Third-party services partner with booking management systems to aggregate and list offerings of the third-party services in a digestible display on a one-stop platform. A booking management system can manage the authentication of payment card information on behalf of any number of such third-party services. The booking management system can maintain and process authentication information associated with traveler payment cards, and provide virtual payment information to the third-party services for payment following chargeable events. The third-party services may later initiate a transactions using the virtual payment information, without being required to perform authentication processing on the traveler payment card information maintained by the booking management system.

The present disclosure discloses a system (100) and method (200) for secure transaction processing. The system (100) comprises a payment application (102), a memory (106), and a transaction server (108) hosting the application (102). The application (102) facilitates a registered user to generate a request for initiating a payment transaction. The memory (106) stores a list of identifiers associated with registered users and registration details corresponding to each user. The transaction server (108) generates a first one-time verification code/PIN based on the transaction request and sends it to the application (102). The transaction server (108) receives a second verification code/PIN via a second user interface (20), compares the two codes/PINs, and sends transaction data to the issuing bank (30) of the first user, via an acquirer bank (40), for the completion of the payment transaction when the codes/PINs match. The system (100) enables users to carry out payment transactions without entering their sensitive financial accounts.