Systems and methods are provided for use in facilitating network messages. An exemplary method includes receiving, at a network, an instruction associated with a first user and specific to a first user account, where the instruction is directed to a second user account associated with a second user. The method also includes compiling a pre-authorization message indicative of the instruction, consistent with a first message standard and including an identifier of the first user account, and transmitting the pre-authorization message to a first institution associated with the first user account. The method then includes translating the pre-authorization message and/or the instruction into a transfer instruction consistent with a second message standard different than the first message standard, and transmitting the transfer instruction to a different network thereby permitting the delivery of the transfer instruction consistent with the second standard to a second institution associated with the second user account.

Aspects of the disclosure relate to preventing unauthorized access to secured information systems using advanced biometric authentication techniques. A computing device may receive input requesting to login to a user account associated with a mobile banking application installed on the computing device. The computing device may send, to a client authentication computing platform, a first authentication request and receive, from the client authentication computing platform, one or more authentication prompt commands. The computing device then may present one or more authentication prompts and collect, from one or more linked wearable devices, one or more advanced biometrics. After validating the one or more advanced biometrics, the computing device may send, to the client authentication computing platform, authentication response data. Thereafter, the computing device may receive mobile banking user interface information and present one or more mobile banking user interfaces.

Embodiments include methods and systems for detecting security risks in network pages, comprising providing at least one secure transaction page to a secure transaction provider, the secure transaction page enabling the secure transaction provider to request secure transactions, determining a request rate for the secure transaction page associated with the secure transaction provider, determining a predetermined threshold for a change in request rate for the secure transaction page by the secure transaction provider, determining that the predetermined threshold, for the change in request rate for the secure transaction page by the secure transaction provider, has been exceeded, and providing a notification to the secure transaction provider based on the determination that the predetermined threshold, for the change in request rate for the secure transaction page by the secure transaction provider, has been exceeded.

Various embodiments are directed to a method and system for provisioning a merchant-specific payment apparatus, such as a temporary payment card, via a computing device, such as an automated teller machine (ATM). A user, such as a customer, may specify a merchant. A record of known payment acceptance types at that merchant may be returned, which may be used to determine what type of temporary payment card gets issued to the user.

A computer operable method of processing a current transaction between a merchant device and a customer device, including: receiving a command for remote payment from a computer application program on a computer system in a merchant network; receiving said transaction data from the computer application program; said transaction data containing phone number or unique identifiable data element for the customer; generating a message which contains a clickable link; sending a short messaging service (SMS) or multimedia messaging service (MMS) based on the message that is generated; displaying a web page with payment options when link is clicked; directing data transmission to different payment gateways from the payment options displayed on the web page; receiving data from different payment gateways based on the payment option selected; and transmitting said received data from a payment gateway to the originating merchant device.

In an example involving a transaction conducted between a first party using a user mobile-identification-credential device (UMD) and a second party using a relying party system (RPS), RPS receives a request from UMD for transfer of an item, requests identification information of the first party from UMD, receives, based on consent of the first party, some or all user ID information associated with a mobile identification credential (MIC) which UMD received from an authorizing party system (APS), receives verification of the received user ID information, uses the verified user ID information to verify or not verify an identity of the first party, grants the request to transfer the item in exchange for payment or another item to be transferred from the first party to the second party when the identity of the first party is verified, and denies the request when the identity of the first party is not verified.

A method and system are disclosed, for facilitating a financial transaction, the system comprising a retail device, an issuer device, a consumer device and a consumer token, all being in communication with one another, the system being adapted to add an additional stage to an existing payment process, the additional stage comprising steps of: temporarily pausing the existing payment process, seeking a response from a consumer via the consumer device, continuing the payment process with parameters which accord to the response from the consumer.

A user may provide a financial card to an automated teller machine (ATM) or point of sale (POS) terminal and may be authenticated by providing a gesture and/or an image selection via a mobile device to the ATM or the POS. The gesture and/or image selection may be provided using a touchscreen of the mobile device. The gesture and/or image provided by the user via the mobile device may be compared to a stored gesture and/or image provided by the user during an earlier registration of the financial card. If there is a match between the gesture and/or image provided by the user via the mobile device and the previously stored gesture and/or image, then the user is authenticated and may access an account associated with the financial card.

A method including receiving a first application user credential associated with a user profile; comparing, for a first match, the first application user credential with a stored second application user credential, wherein the stored second application user credential is associated with a user identity; and responsive to finding a first match, verifying the user identity by performing the following: communicating with a card using near field communication; receiving a public key of a key pair of the card and cardholder identification information of an account holder of the card; instructing the card to generate a digital signature; receiving the digital signature from the card; verifying the digital signature using the public key; and comparing, for a second match, at least a portion of the user identity with at least a portion of the cardholder identification information.

A merchant uses a merchant point of sale (POS) device to identify items or services for purchase by a customer, and costs for each. One or more payment amounts are sent from the merchant POS device to a checkout server using an application programming interface (API), which the checkout server sends on to an authorized payment terminal device that then reads payment information from a payment object and sends the payment information back to the checkout server. The checkout server processes the transaction and confirms transaction completion to the merchant POS device and payment terminal device.