In one embodiment, a payment service system-implemented method of assigning payment card numbers for individual user accounts associated with the payment service system includes receiving a request, in the context of an authorization for a payment transaction, to assign a payment card number to a user account associated with a user of the payment service system. The method includes retrieving, from a database associated with the payment service system, an account record associated with the user account. The method includes determining that the user account is not associated with an active payment card number. The method includes identifying an unassigned payment card number and modifying the account record to assign the unassigned payment card number to the user account as an active payment card number. The method includes authorizing the payment transaction using the active payment card number, causing a modification to an account balance of the user account.

A method and system for the purchase and activation of services on a wireless device are provided. The method and system include the use of an airtime card with a near field communication tag with a unique identifier code used to improve a user's experience and ease of activation/provisioning of services for the wireless device. In some aspects, the unique identifier may be generated during the activation and purchase of the wireless service and it is not required that the unique identifier code be recorded in a backend system of the wireless provider prior to activation. The services to be purchased and activated may include at least one of the following: out of the box activation, device upgrades, device reactivations, wireless number changes, wireless number porting, and the addition or purchasing of services including airtime, data, and/or SMS enrollments or data content.

A user device may detect an age associated with a first user account meets or exceeds an age threshold. If so, the user device may present a conversion option to enable conversion of a restricted mobile payment account to a new primary mobile payment account. The user device may then communicate with a payment service to verify an identity of a user of the user device. The user device may then receive a communication indicating successful creation of the new primary mobile payment account.

In order to process a mobile transaction offline, a user terminal transmits a mobile transaction code and a merchant terminal ID to a payment information transmission server and the payment information transmission server transmits a payment information message including the mobile transaction code to a merchant terminal, so that it is possible to process mobile transactions through a unified user interface despite different payment plans of various payment service providers.

Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

A method is provided for managing an activation process of a secure element of a mobile station. The method includes detecting access by a computing device to an online service for managing an activation process of a secure element of a mobile station, receiving information confirming that a user of the computing device has permission to access the mobile station to confirm that the user of the computing device has permission to access the mobile station, triggering instantiation of a wallet application on the mobile station, the wallet application configured to access the secure element, triggering the wallet application to initiate activation and programming of the secure element, receiving a confirmation that activation and programming of the secure element are complete, and providing, to at least one of the computing device and the mobile station, a visual output representing that activation and programming of the secure element are complete.

The present disclosure generally relates to a computer system displaying user interfaces for accessing passes and transfer accounts. In some examples, passes are added to the computer system. In some examples, passes are accessed. In some examples, transfers relating to the passes and transfer accounts are displayed, such as in search user interfaces.

Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.

When a user attempts to execute a procedure for transfer or the like from an app, user authentication is first required by a PIN code or the like. When the user authentication is successful, function limitation of an IC chip is released and a mode in which a function provided by the IC chip can be used is set. The app encrypts a procedure message describing procedure content with a private key using the function of the IC chip and creates electronic signature. The electronic signature and the procedure message are transmitted to a server of an online service via an intermediate server. The server executes a procedure of transfer or the like in accordance with the content of the procedure message.

Various embodiments are directed to securely verifying an identity of a user who is requesting to add or link a financial instrument to a third-party digital wallet using one-tap contactless card authentication. The financial instrument may be added or linked to the third-party wallet in at least two scenarios: pull provisioning and push provisioning. In either provisioning scenarios, the user may be required to authenticate the financial instrument being added or linked by successfully verifying the identity of the user via the one-tap contactless card authentication at a banking application associated with the financial instrument.