Systems and methods for providing a transaction authorization from a funds facilitation system for a transaction requested by a user to a merchant system such that the user is not required to input any user authentication information in excess of authentication information required by the merchant system are provided. A system and method can include receiving a transaction request from the merchant system containing a merchant ID, a merchant user ID, and a transaction amount. The system identifies a funds facilitation system user ID based on the merchant ID and the merchant user ID and determines satisfaction of a funds facilitation system user authentication requirement based on the merchant system having a trusted status with the funds facilitation system. A transaction authorization message or transaction denial message is provided to the merchant system based on account information associated with the user and the transaction amount.

Methods and systems are provided for processing a transaction between a first party and a second party. Information defining terms of the transaction and identifying a presentation instrument are received at a host system. Preference information associated with the presentation instrument is retrieved with the host system. The preference information specifies terms for an allocation of transaction amounts among multiple transaction types. An amount for the transaction is allocated among the transaction types in accordance with terms of the transaction and the terms for the allocation.

This disclosure describes systems, methods, and computer-readable media related to facilitating item searching and linking transactions functionality in mobile commerce. In some embodiments, a user device may receive an identification of an item from a user. The user device may receive one or more search parameters. The user device may facilitate a search for the item based at least in part on the identification of the item and the one or more search parameters. The user device may insert the item into a lifecycle shopping list. The user device may store the lifecycle shopping list.

A first request for a transfer of data is transmitted in response to the use of a user device; it is determined that the first request for the transfer of data has been declined; an event is detected that indicates that the transfer of data in response to the use of the user device can be accepted; and a second request for the transfer of data is transmitted in dependence on detecting that the event has occurred.

In a method of payment for service of a portable communication unit, a customer prepays a dealer for said service, the dealer forwards transaction order information about the pre-payment to a prepaid management center (PMC); and the PMC provides a bank the transaction order information. The bank, upon receipt of the transaction order information from the PMC, determines whether there are sufficient funds in the dealer account to cover the transaction. If there is insufficient cash on hand, the dealer is notified and is provided an opportunity to replenish the account so that the transaction may proceed. If there are adequate funds in the dealer account, the bank automatically transfers the amount of the purchase transaction in the SPS account, less the dealer's fee for the purchase. After funds are transferred from the dealer account, the PMC is notified of the transfer, at which time the PMC generates codes and issues the codes to the dealer. The dealer transfers the codes to the user and the user enters the codes into the unit. On a regular basis the bank electronically transfers funds from the SPS account into accounts held by parties entitled to receive the funds.

A method is provided for facilitating session-based authentication for a plurality of e-commerce transactions for an account holder. The method includes registering a plurality of account holders, receiving, from an account holder of the plurality of account holders, user input setting the account privilege information for an account corresponding to the account holder, and receiving a transaction request for an e-commerce transaction between the account holder and a merchant, the transaction request comprising transaction details including a transaction value and a transaction time, and, in response to the transaction request, performing, with at least one computer system, an authentication process. The method further includes processing the e-commerce transaction in response to completing the authentication process, receiving at least one subsequent transaction request for at least one subsequent e-commerce transaction, and determining to bypass the authentication process for the at least one subsequent transaction.

A computer implemented method of performing a transaction using a payment account, typically handled by a payment account manager (PAM), comprises the steps of: receiving a first message from a top up terminal indicating that funds have been transferred to the payment account; setting or adjusting a funds limit of the payment account based on information in the first message; receiving an authorization or pre-authorization request from a first terminal and commencing a funds aggregation; receiving a second message indicating a pre-defined amount of funds which may be used in the transaction; blocking an amount of the funds limit of the payment account equivalent to the pre-defined amount; and sending an authorization response to the first terminal.

A system comprising a server coupled to a data store storing a set of approval rules, a set of APIs specifically configured for a plurality of remote information data provider systems. The system comprising a mobile device comprising the mobile application executable to provide a low friction user interface to allow a user to enter a limited amount of personally identifiable information and an image of an identification document, enhance the limited amount of personally identifiable information with personally identifiable information extracted from the identification document to create an enhanced set of personally identifiable information. The server configured to approve a user application based on the enhanced set of personally identifiable information and other application data received from the mobile application. The server and mobile application cooperating to allow the user to complete a transaction via the server based on the approval.

A system includes a location identifier device and a computer system. The location identifier is configured to receive location information from the user device associated with a user based on the user device being within a predefined area. The computer system is configured to: receive the location information from the user device within the area via the location identifier device; receive a request for a transaction from the user device including first attribute information associated with the user; receive second attribute information associated with the user within the area; provide, based on the location information, an authorization signal including a transaction interface for display on the user device; and receive, from the user device via near field communication (NFC) tap with a terminal, a transaction code.

There is provided a stored value card validation system. The system includes a stored value card having a plurality of activation states including an activated state where the card can be utilised in a purchase transaction and an unactivated state where the card cannot be utilised in a purchase transaction. The stored value card includes a single unique encrypted token, along with a predefined card value in the form of a monetary amount and a card identifier which are both contained in the encrypted token. The system also includes a token reader for retrieving the encrypted token from the stored value card. Further, the system includes a token validator in communication with the token reader for receiving the encrypted token and using the encrypted token to validate the predefined card value and the card identifier. The token validator includes a plurality of databases for storing card value information and card identifier information, wherein the predefined card value and the card identifier are each validated based on the card value information and card identifier information, most notably, when the stored value card is in the unactivated state.