A computer device configured to passively authenticate a user includes a memory device including a user profile, and at least one processor coupled to the memory device. The at least one processor is programmed to execute a passive authentication system programmed to receive an indication that the user successfully performed an active authentication by interacting with the computing device, and set an authentication state of the user as authenticated in response to the successful active authentication. The passive authentication system is further programmed to receive a first plurality of interaction data indicative of one or more interactions between the user and the computer device, the one or more interactions performed after the indication of the successful active authentication; compare the one or more interactions to the user profile; and update the authentication state of the user based on the comparison.

A computer device configured to passively authenticate a user includes a memory device including a user profile, and at least one processor coupled to the memory device. The at least one processor is programmed to execute a passive authentication system programmed to receive an indication that the user successfully performed an active authentication by interacting with the computing device, and set an authentication state of the user as authenticated in response to the successful active authentication. The passive authentication system is further programmed to receive a first plurality of interaction data indicative of one or more interactions between the user and the computer device, the one or more interactions performed after the indication of the successful active authentication; compare the one or more interactions to the user profile; and update the authentication state of the user based on the comparison.

Provided are a payment method and system through generation of a one-time payment-only number of a real card linked with an application, wherein in order to make payment safely by generating a one-time payment-only number every payment without leaving card information of a user in a provider's payment terminal or by using the generated one-time payment-only number, when a real card is linked with an application installed on a user terminal and the payment terminal recognizes the real card, a user signature input window, and transaction information about payment performed with a one-time payment-only number generated by a card company server are displayed on a screen of the application of the user terminal, and payment is performed when a signature of the user is input to the signature input window.

Disclosed are systems and methods for utilizing virtual reality for virtual cards. For example, a method of determining verification information may include: obtaining an image of a merchant site of a merchant captured by at least one camera of a first computing device, wherein the merchant site is displayed on a display of a second computing device; identifying one or more characters in the captured image; determining that the identified one or more characters indicate a virtual credit card number associated with a user; determining a card verification value associated with the virtual credit card number and an expiration date associated with the virtual credit card number; and displaying information regarding the determined virtual credit card number on a display of the first computing device.

Disclosed are systems and methods for utilizing virtual reality for virtual cards. For example, a method of determining verification information may include: obtaining an image of a merchant site of a merchant captured by at least one camera of a first computing device, wherein the merchant site is displayed on a display of a second computing device; identifying one or more characters in the captured image; determining that the identified one or more characters indicate a virtual credit card number associated with a user; determining a card verification value associated with the virtual credit card number and an expiration date associated with the virtual credit card number; and displaying information regarding the determined virtual credit card number on a display of the first computing device.

Particular embodiments receive, by at least one computing device of a payment service, a request to configure a goal to associate with a user account of a user, where the goal is associated with a condition that, when satisfied, causes an incentive to be associated with the user account. The at least one computing device generates a data object for tracking completion of the goal, where the data object is stored in a datastore by the payment service. The at least one computing device monitors, in near-real-time, at least one of managed transaction data associated with users of the payment service or interaction data associated with the user. The at least one computing device determines, based at least in part on comparing at least one of the transaction data or the interaction data to at least the condition, satisfaction of the condition.

Improvements to existing technologies associated with point-of-sale transactions and merchant ecosystems to, among other things, reduce in-person contact and, in some examples, improve the efficiency at which point-of-sale transactions are completed (i.e., reduce friction) are described. In some examples, such reduced in-person contact and/or improved efficiencies can limit transmission of infectious diseases. As such, techniques described are directed to modifying aspects of point-of-sale transactions such that they occur on different computing devices (e.g., customer computing devices instead of merchant computing devices), are automated, and/or occur at different times than with conventional point-of-sale transactions. Furthermore, in at least one example, techniques described can leverage a distributed, network-based merchant ecosystem—comprising multiple merchant computing devices and/or customer computing devices that are specially configured to communicate with a service provider—to facilitate social distancing, which can reduce in-person contact and, in some examples, improve the efficiency at which point-of-sale transactions are completed.

Improvements to existing technologies associated with point-of-sale transactions and merchant ecosystems to, among other things, reduce in-person contact and, in some examples, improve the efficiency at which point-of-sale transactions are completed (i.e., reduce friction) are described. In some examples, such reduced in-person contact and/or improved efficiencies can limit transmission of infectious diseases. As such, techniques described are directed to modifying aspects of point-of-sale transactions such that they occur on different computing devices (e.g., customer computing devices instead of merchant computing devices), are automated, and/or occur at different times than with conventional point-of-sale transactions. Furthermore, in at least one example, techniques described can leverage a distributed, network-based merchant ecosystem—comprising multiple merchant computing devices and/or customer computing devices that are specially configured to communicate with a service provider—to facilitate social distancing, which can reduce in-person contact and, in some examples, improve the efficiency at which point-of-sale transactions are completed.

In some examples, a computing device receives, from a point of sale (POS) device of a merchant, an authorization request for authorizing a payment instrument for a transaction for an item. The computing device sends an authorization approval to the POS device, and determines that a user is eligible for a loan for an amount and the loan is to be repaid at a particular frequency during a period of time. The computing device determines that an amount of the transaction is less than or equal to the amount, and causes an offer for the loan to be presented via a user interface of a payment application that is executable by a user device of the user. Based on acceptance of the loan, the computing device applies the loan funds to the transaction for the item, and the loan is repaid at the particular frequency.

The disclosure relates to a deferred real-time payment (RTP) in a trusted and secure system environment to pay for a deferred fulfillment order. The deferred fulfillment order includes products or services that may be fulfilled in part or in full after authorization of the deferred RTP. To facilitate trust and security, a deferred payment system may digitally sign certificates issued to various entities in the system environment. Devices in the system environment may transmit and receive messages to create and later settle deferred RTPs that are trusted based on authentication of the digitally signed certificates, which mitigate against security threats such as man-in-the-middle attacks in a communication network.