Timely and optimal user completion of pre-staged transactions is implemented by ultra-wideband (UWB) enabled devices at UWB-enabled ATMs. ATM information, transaction scheduling and user prioritization, transaction notifications, and/or haptic-feedback reminders are provided based on one or more real-time and/or predicted geographical locations and proximities, ATM-specific queue wait times, preference scores, historical usage, ATM resources, and/or other relevant data or preferences.

A computer-implemented method for applying enrichment services hosted on a second interchange network to a payment transaction initiated over a first interchange network is provided. A transfer process module hosted on the first interchange network receives a first service request from a requestor, formatted in accordance with a first set of proprietary communications standards associated with the first payment network, and transforms the first service request to a second service request formatted in accordance with a second set of proprietary communications standards associated with the second payment network. An enrichment services computer system hosted on the second interchange network receives the second service request and generates a first service response formatted in accordance with the first set of proprietary communications standards. The first service response is transformed at the transfer process module to create a second service response formatted in accordance with the second set of proprietary communications standards.

Arrangements relate to processing financial transactions on an automated teller machine (ATM). An ATM identifier can be presented on a display of the ATM. An ATM identifier confirmation can be received from a mobile computing device. Responsive to determining that the ATM identifier confirmation matches the identifier presented on the display of the ATM, a customer authentication or a transaction request can be received from the mobile computing device. Responsive to verifying the customer authentication or the transaction request, the transaction request can be processed.

Systems and methods for processing payments using a dynamic security code are provided. A dynamic security code generator may generate one or more dynamic security codes and transmit the plurality of dynamic security codes to a portable consumer device. The portable consumer device may display the dynamic security code. A merchant may transmit a transaction request to the account authorization system including the dynamic security code in a card security code field. The account authorization system may compare the transaction account number and dynamic security code in the transaction request to a transaction account number and dynamic security code stored in a database. The account authorization system may transmit an authorization message to the merchant.

A method and system of conducting a cryptocurrency payment via a mobile device, using a contactless token to store and protect a user's secret key. A cryptocurrency wallet encrypted with the secret key is received by the mobile device from the token. A cryptocurrency payment instruction is received by the mobile device, prompting for a user credential to approve the instruction. In response the mobile device sends to the token a message comprising the encrypted wallet together with the payment instruction and the user credential. Using the secret key, the token then decrypts the cryptocurrency wallet from the encrypted wallet and creates a payment transaction by digitally signing the payment instruction, and transmitting the payment transaction to a cryptocurrency network or exchange. Confirmation of the transaction requires either a PIN, biometric or fingerprint on the mobile device, or authentication via button press, PIN or fingerprint on the token.

A system and a method for controlling access to a rental object are disclosed. The system includes a processor and a memory unit coupled to the processor. The rental object is connected to a network. The memory unit is configured to store data received from a customer device. The data includes a code associated with the rental object and a payment request message responsive to the code. The processor is configured to process the payment request message and simultaneously instruct a merchant device, via the network, to enable the rental object for use by the customer.

A system includes a memory and a processor configured to execute computer instructions stored in the memory that when executed cause the system to perform operations. The operations include receiving transaction data associated with a transaction via a transaction component. The operations include incorporating at least a portion of the transaction data into a security process associated with challenge-response authentication of a data block for the transaction data. The data block includes cryptographic hash data for another data block in a blockchain associated with the data block. The operations include validating the data block associated with the blockchain based on the security process.

The present disclosure relates to knowledge based authentication whereby a user is authenticated through third-party linked accounts. The method includes receiving an authentication request from a merchant computer, assessing one or more data fields to generate an authentication challenge for the user, connecting to one or more third-party account service provider to extract user-related data, generating the authentication challenge based on the extracted user-related data from the third-party account service provider, posing the authentication challenge to the user on a user device, receiving a response to the authentication challenge, and returning the authentication response to the merchant.

Systems, apparatuses, methods, and computer program products are disclosed for custom alert identification. An example method includes obtaining readable software instructions specifying a virtual payment card, a virtual wallet application, and a feedback. The example method further includes generating key-value-pair data comprising a key that specifies an identity of the virtual payment card and a value that specifies the feedback with the virtual payment card and the virtual wallet application. The example method further includes receiving a virtual payment card provisioning request specifying the virtual payment card and the virtual wallet application. The example method further includes generating executable software instructions to add the virtual payment card to the virtual wallet application installed on a computing device and to associate the virtual payment card with the feedback and transmitting the executable software instructions to the computing device.

A system for initiating secure guest checkout includes an application server; and an untrusted user interaction device that is in communication with the application server. The untrusted user interaction device has a unique device identifier that is registered with the application server. The untrusted user interaction device is configured to: receive input data relating to a selection of one or more items; transmit, to the application server, the selection of one or more items and the unique device identifier, for creation of a cart at the application server; communicate a pairing code received from the application server, the pairing code being associated with the cart; and wirelessly broadcast identifier data including, and/or derived from, the unique device identifier; such that a computing device that receives the identifier data and the pairing code can verify the unique device identifier and retrieve the cart from the application server for initiation of a secure remote commerce (SRC) checkout process at an SRC initiator.