СИСТЕМА И СПОСОБ ДИНАМИЧЕСКОГО ВРЕМЕННОГО РАЗРЕШЕНИЯ НА ПЛАТЕЖ В ПЕРЕНОСНОМ УСТРОЙСТВЕ СВЯЗИ

Изобретение относится к проверке проведения транзакции с динамическими временными идентификационными данными для переносного устройства связи, применяемого в транзакции с точкой электронного управления, например торговой точкой, точкой доступа к беспроводной связи ближнего радиуса действия. Технический результат заключается в расширении арсенала средств для проверки проведения транзакций. Переносное устройство связи содержит модуль, определяющий географическое местоположение, например модуль глобальной системы позиционирования. Система содержит централизованный модуль, получающий данные о текущем географическом местоположении переносного устройства связи, передающий динамические временные идентификационные данные на переносное устройство связи и предоставляющий прогнозную информацию о транзакции, включая динамические временные идентификационные данные и данные о географическом местоположении переносного устройства связи, в систему авторизации, функционально связанную с точкой электронного ...

Способы и системы аутентификации

Изобретение относится к информационным технологиям. Способ верификации пользователя электронного устройства, имеющего сенсорный экран, включает следующие шаги: использование программного компонента, установленного на электронном устройстве, чтобы использовать входные данные для формирования на электронном устройстве по меньшей мере одной скремблированной конфигурации клавиатуры; формирование на электронном устройстве действующей клавиатуры и/или изображения клавиатуры с использованием по меньшей мере одной скремблированной конфигурации клавиатуры; и отображение изображения клавиатуры поверх действующей клавиатуры в зоне отображения на экране, сопряженном с электронным устройством, для формирования отношения соответствия между клавишами на изображении клавиатуры и клавишами действующей клавиатуры, чтобы позволить создать закодированную версию идентификатора пользователя. 3 н. и 19 з.п. ф-лы.

ЗАЩИТА ДАННЫХ С ПЕРЕВОДОМ

Изобретение относится к области шифрования данных. Технический результат - обеспечивают механизм для передачи и маршрутизации зашифрованного идентификатора/номера счета через сеть обработки без необходимости обновления существующей инфраструктуры маршрутизации для обработки зашифрованных значений, что улучшает безопасность идентификатора/номера счета, так как идентификатор/номер счета может оставаться зашифрованным, пока сообщение запроса авторизации проходит через узлы сети при обработке. Способ защиты данных, ассоциированных с транзакцией, содержащий этапы, на которых: принимают посредством устройства доступа личный идентификационный номер (PIN) и уязвимые данные, включающие в себя идентификатор счета; шифруют посредством устройства доступа PIN, при этом шифрование PIN использует первый вариант ключа шифрования, основанный на исходном ключе; шифруют посредством устройства доступа уязвимые данные, включающие в себя идентификатор счета, при этом зашифрованный идентификатор счета имеет тот ...

ПРЕДОПЛАЧЕННАЯ ВИРТУАЛЬНАЯ КАРТА И СПОСОБ ЕЕ СОЗДАНИЯ И ИСПОЛЬЗОВАНИЯ

... 1. Предоплаченная виртуальная карта, отличающаяся тем, что ее идентификационный номер состоит из используемого для подписки телефонного номера смартфона, посредством которого предоплаченная виртуальная карта создается в тот момент, когда на упомянутый смартфон загружается приложение (АРР), разработанное для создания упомянутой предоплаченной виртуальной карты, чтобы автоматически связать с ее идентификатором упомянутый телефонный номер подписки и установить, по меньшей мере, первое соединение с институтом электронных денег (EMI), в котором должны быть зарегистрированы, по меньшей мере, адрес электронной почты владельца упомянутой подписки, пароль для последующего доступа и секретный PIN-код для будущих платежных инструкций.2. Способ создания предоплаченной виртуальной карты, отличающийся тем, что содержит этапы, на которых загружают из Интернета на смартфон приложение (АРР), которое в момент, когда оно загружается, создает виртуальную предоплаченную карту и автоматически связывает с ее ...

УСТРОЙСТВО ВВОДА PIN

СПОСОБ И СИСТЕМА ОПЛАТЫ ТРАНЗАКЦИЙ

... 1. Способ оплаты транзакций, содержащий этапы:- приема информации пользователя о платеже, причем информация о платеже включает в себя контактный номер;- вызова контактного номера через платформу интерактивного речевого ответа для приема пароля платежа, вводимого пользователем; и- верификации пароля платежа и информации о платеже, а также выполнение платежа, если верификация была пройдена.2. Способ оплаты транзакций по п. 1, в котором на этапе приема информации пользователя о платеже осуществляется по каналу Интернета или по каналу мгновенной связи, прием информации пользователя о платеже, предоставленной посредством платежного терминала.3. Способ оплаты транзакций по п. 1, в котором контактный номер представляет собой контактный номер мобильного телефона и перед осуществлением этапа вызова контактного номера мобильного телефона через платформу интерактивного речевого ответа способ дополнительно содержит:- отправку верификационного кода, содержащегося в коротком сообщении, на мобильный терминал ...

АВТОРИЗАЦИЯ ВЫДАЧИ НАЛИЧНЫХ ДЕНЕЖНЫХ СРЕДСТВ

... 1. Способ, основанный на использовании компьютера, включающий:прием в компьютерной системе авторизации запроса на авторизацию выплаты лицу, использующему устройство выдачи наличных денежных средств, например банкомат (ATM) (или пункт розничной торговли), из хранящейся денежной суммы, происходящей из денежных средств, которые были внесены любым лицом, причем указанный запрос включает в качестве части запроса на авторизацию зашифрованную индикацию («блок PIN-кода») числовой строки, включающей от 4 до 16 цифр («PIN»), введенных таким лицом в устройстве выдачи наличных денежных средств, в комбинации с номером, магнитно-кодированным на карте для банкомата («номер карты для получения наличных»), в дополнение к незашифрованному номеру карты для получения наличныхсравнение дешифрованного блока PIN-кода, или преобразованного блока PIN-кода, или номера карты для получения наличных с одним или более из множества идентификационных кодов в электронной базе данных, где каждый идентификационный код соответствует ...

Tragbares elektronisches Gerät zur Benutzung in Verbindung mit einem Bildschirm.

Handling encoded information and identifying user

A device obtains an encoded information item and decodes it, or transmits the coded information to the server to be decoded. The device transmits a first message to first server apparatus, including the decoded information and a first identifier identifying the device or a user of the device. The server uses the identifier to establish the identity of the user of the device, and in response to establishing the identity of the user, performing an action based on the decoded information. The system may be used to validate ATM, self-service shopping or other check out transactions, or to allow access to a service or open secure doors to authorized people. The decoded information may be verification information, which is compared with reference data. The encoded information may be a sequence of numbers, letters or symbols typed into the interface or retrieved over a wired connection. The system may reduce the risk of a man in the middle attackâ with tiered strengths of authentication for mobile ...

A system and method of processing a secure payment transaction

A device specific four factor authentication process for a mobile transaction in a system comprising a mobile computing device 3 e.g. a smartphone, an e-commerce website 5, an independent authentication webserver 9 and an independent payment service provider (PSP) 11, the user confirming the transaction with each of the authentication webserver and the PSP individually. The transaction may be initiated on the device or a separate computer and a secure payment or PAYDAP(RTM) option may be selected on the e-commerce website wherein the user of the smartphone provides a unique contact identifier, e.g. the phone number of the device, to the authentication webserver 100 which responds by sending a transaction payment request to the associated device 200. The user confirms the request by fulfilling the transaction payment request 300 e.g. by logging into a mobile payments application using a PIN, password or login name, and the authentication webserver then instructs the e-commerce website and ...

Authentication methods and systems

A system and method for authentication wherein biometric data relating to a user is used to provide an encoded or decoded version of an identifier. The data may be used to specify the order or position of keys in an operable keypad or keypad image, or a keypad configuration. One of more operable keypad or keypad image may be generated using the biometric data. A mapping may be generated between the operable keypad or keypad image and a further operable keypad and/or image, the mapping may be used to encode or decode the identifier. The biometric data, or data derived therefrom may also be send to a remote computing resource to enable a decoded version of the identifier to be decoded using the biometric data. A further authentication method consists of the steps of generating more than one operable keypad or keypad image wherein the configuration of keys is altered relative to a reference configuration of keys and colour coding or otherwise altering pre-selected keys on the keypad or image ...

An electric payment system and method

Secure passcode entry using mobile device with augemented reality capability

CONTROLLED ACCESS SYSTEMS

... 1458495 Controlled access systems INTERNATIONAL BUSINESS MACHINES CORP 25 April 1975 [25 June 1974] 17146/75 Heading G4H In a controlled access system, a request for access includes the entry of two messages at a request station, one of which is encoded at the request station and the other at a control station, testing means generating on access enabling signal if there is correspondence between the encoded forms of the two messages. In a banking system, digits (including an account number) are read from a credit card 100 at a terminal (Fig. 3) and some of them are selected by a key K1 and encrypted 106 under control of a key A (originally entered at the terminal, or derived by encrypting an entered key A1 under control of a key C). Groups of the output bits from encryption 106 are used to access decimal digits in the range 1-9 from a table 110 and some of these, selected by a key K2, are compared 114 with corresponding digits of an I.D. number entered by the customer on a keyboard ...

Arrangements for interfacing with a user access manager

Using eye-tracking for authentication in payment systems

A method of unlocking a pattern lock comprises transmitting a pattern diagram from a server and displaying the diagram to a user, allowing the user to trace a movement path on the displayed diagram, and determining whether the traced movement path matches a pre-stored unlock movement path. The movement path may be traced by swiping a touch screen (not shown). Preferably, the movement path is traced using eye-tracking means to determine movement of the user's eye whilst gazing at the diagram. A payment method using the pattern-unlocking method as a means of authenticating a user when making payments at retail sites or online is also claimed. The payment method preferably includes additional security steps comprising creating and displaying a one-time or single use authentication code on a user device which can be read by a merchant device in order to authenticate the user, and/or providing the merchant with a stored image of a registered user such that the merchant can visually verify the ...

Security systems and methods

Authorising a payment using a card e.g. debit, credit and store cards, between a user having a wireless device 2 e.g. a mobile phone, and a remote registration location B e.g. a registration database, comprises using four codes to generate a unique authorisation code. The first code is associated with the device 2, e.g. produced from an IMEI or serial number and a licence code. On registration this is transmitted to the registration location B with returns a registration code to be stored on the device. The device 2 may generate a test message using the two codes to confirm registration. A third code is read from the card 26 by a device 25 integral with or connected to the wireless device 2 e.g. using a magnetic strip or chip reader or using near field detection and a fourth code is entered by the user, e.g. a PIN or biometric data. The wireless device transmits the third and fourth codes using a predetermined card registration call number, these being checked at the registration location ...

USB autorun devices

Multilevel security apparatus and method

A card-encoding system and method preserves the security of the encoding process against duplicaton and counterfeiting of cards by securing the interactions under the control of the individual and then of the issuing institution. Multilevels of offset codes are generated in successive interactions so that attempted alteration, duplication, or counterfeiting of a coded card will be readily detectable using "off-line" card checking apparatus. An "active" card is initially issued or authorized with an established credit balance, and its authenticity, balance and proper use are continuously checked, debited and updated in each authorized transaction completed by the proper individual. ...

Authentication methods and systems

A verification method wherein an operable, scrambled keypad is provided on the display area of an electronic device and the image of a non-scrambled keypad is also displayed within at least part of the display zone such that the user is able to operate at least one key of the keypad via the image. The scrambled keypad may be generated at runtime by a subroutine provided as standard by the device. The image of the keypad may be the standard keypad associated with the device. The order of the operable keys in the operable keypad may be at least partially determined using biometric data derived from or associated with the user. A mapping may be generated between the keys on the keypad image and the keys of the operable scrambled keypad and may enable an encoded version of an input from the user to be entered into the device. The image of the non-scrambled keypad may be either generated on the device itself or received from a remote computing resource.

Authentication method and system

A computer-implemented verification method comprises the steps of generating a plurality of images of scrambled keypads; filtering, selecting or screening the plurality of images in some manner according to at least one criteria, such as filtering the plurality of generated images to ensure that no image in the plurality depicts any keys which are in the same position as the corresponding key in an operable keypad. One image from the plurality is then selected. The selected scrambled keypad image may then be superimposed upon the operable keypad of a user device, preferably completely masking the operable keypad. The user of the device may then enter their personal identification code or number (PIC or PIN) using the scrambled image which causes the respective inputs of the operable keypad, thus entering an encoded version of their PIC or PIN. The scrambled keypad image may be transmitted to the user device from a remotely located computer. The images of scrambled keypads can be scrambled ...

DATA PROCESSING SYSTEM WHICH PROTECTS THE SECRECY OF CONFIDENTIAL DATA

Systems and methods for centralized authentication of financial transactions

Disclosed are systems and methods for centralized authentication of financial transactions. An authentication server receives, from a client device, information for a financial transaction. In accordance with an embodiment of the disclosure, the authentication server executes in a kernel-based environment at least one authentication step based on the information. For example, in some implementations, the authentication server generates a PIN block and transmits the PIN block to a financial gateway, along with a request for the financial transaction. Notably, the client device does not need to perform the authentication steps executed by the authentication server, such as generating the PIN block for example. This can enhance security of the transaction system because information such as a terminal key used to generate the PIN block remains centralized and not on a client device where it could possibly be stolen by a criminal.

SYSTEM AND METHOD OF PROCESSING POINT-OF-SALE PAYMENT TRANSACTIONS VIA MOBILE DEVICES

Financial transactions with a varying pin

SYSTEM AND METHOD OF PROCESSING POINT-OF-SALE PAYMENT TRANSACTIONS VIA MOBILE DEVICES

ELECTRONIC TRANSACTION FRAUD PREVENTION SYSTEM

DEVICE AND SYSTEM FOR ELECTRONIC FUND TRANSFER

DEVICE AND SYSTEM FOR ELECTRONIC FUND TRANSFER

SYSTEM AND METHOD OF PROCESSING POINT-OF-SALE PAYMENT TRANSACTIONS VIA MOBILE DEVICES

Secure payment and billing method using mobile phone number of account

METHOD OF AND SYSTEM FOR SECURELY PROCESSING A TRANSACTION

Secure payment and billing method using mobile phone number or account

ELECTRONIC TRANSACTION FRAUD PREVENTION SYSTEM

Secure payment and billing method using mobile phone number or account.

Method of and system for securely processing a transaction.

Transaction payment method and system

Financial transactions with a varying pin

Data security system using mobile communications device

ELECTRONIC TRANSACTION FRAUD PREVENTION SYSTEM

Secure payment and billing method using mobile phone number or account

Transaction payment method and system

Method of and system for securely processing a transaction.

Secure payment and billing method using mobile phone number or account.

Secure payment and billing method using mobile phone number or account

DEVICE AND SYSTEM FOR ELECTRONIC FUND TRANSFER

Data security system using mobile communications device

Secure payment and billing method using mobile phone number or account.

Method of and system for securely processing a transaction.

A DATA ADMINISTRATION SYSTEM

SYSTEM, PROCEDURE AND DEVICE FOR MAKING POSSIBLE OF INTERACTIONS WITH DYNAMIC SECURITY

PROCEDURE AND DEVICE FOR THE VERIFICATION OF A PERSONAL IDENTIFICATION NUMBER AND FOR THE EXAMINATION OF A IN AN IDENTIFICATION ORGAN STORAGE NUMBER SERIES.

pORTABLEeLECTRONIC APPARATUS FOR MANUFACTURING pROTECTED ONE COMPOUND tERMINALdATA OFFERER DEGRADATION MIT AN

CUSTOMER IDENTIFICATION PROCEDURE FOR PERSONALISIERBARE INTERNET OF PORTALS ON BASIS OF THE CALL NUMBER

PROCEDURE AND SYSTEM FOR THE ELECTRONIC RECORDING OF TRANSACTIONS AND FOR THE EXECUTION OF SAFETY FUNCTIONS

PROCEDURE AND MECHANISM FOR THE FAST PRODUCTION AND TRANSMISSION OF AN INDICATION SEQUENCE OF MEANS SPEECH FREQUENCIES

REMOTE TERMINAL CARD INDENTIFICATION

Trusted terminal platform

Abstract Point-of-sale (POS) terminal for entering a PIN to enable a financial 5 transaction, comprising: - a card reader for reading information from a credit card; - a processor for running an operating system, with applications; - a touch screen for displaying information and receiving user inputs; 0 - a Security-Box being connected between the touch screen and the processor, to control the user input on the touch screen to the processor, wherein the Security Box is being configured to run in two modes "PIN Entry Mode" and "Clear Text Mode", wherein when running in "PIN Entry Mode" the user input is not forwarded as touch coordinates 5 to the processor and when running in "Clear Text Mode" the touch coordinates arte transmitted to the processors. 11806886_1 (GHMatters) P100934.AU.1 WO 2014/135569 PCT/EP2014/054223 Fig. 1 Touch Sensor - - Tuch ontrller CC Reader Antenna Security Box Tamper Port HF- NFC Controller eDisasembly switch LUSB 7 UART MS Reader lProcessor Terminal ...

Method, device and secure element for conducting a secured financial transaction on a device

A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed. Gateway .41 ...

Point of sale system and method for contactless payment

The present disclosure relates to a point of sale [POS] system (1 ) for contactless payment of products, comprising a payment processing unit (10) for facilitating electronic payment of products based on payment-facilitating information received from a portable payment device (30), such as a contactless card. The payment processing unit (10) is connected to a plurality of antennas (20a-20d), each associated with a respective product and each configured to read payment-facilitating information from a portable payment device (30) when the portable payment device is brought in the vicinity of the antenna. The payment processing unit (10) is configured to, upon reading of payment-facilitating information by any of the antennas (20a- 20d), receive the payment-facilitating information and identify a product to be paid for based on which of the plurality of antennas (20a-20d) read the payment-facilitating information, and to facilitate a financial transaction comprising payment of the identified ...

Online payer authentication service

Multi-commerce channel wallet for authenticated transactions

A phone-based electronic wallet providing authenticated transactions across multiple channels of commerce. The electronic wallet may be used for point-of-sale payments, remote mobile payments and/or web-based payments, and may use authentication tools such as offline PINs, SecureCode PINs and/or online PINs.

Secure payment and billing method using mobile phone number or account

A system, method and computer program product for processing payments for goods or services, including a payment processor that receives a payment request from a merchant for goods or services and that includes a mobile phone number or mobile phone account of a user, sends a payment authorization request text message to the mobile phone requesting payment authorization, and receives a payment authorization text message from the mobile phone authorizing or not authorizing the payment. If the payment is authorized, the payment processor pays the merchant and charges the mobile phone account for the payment. If the payment is not authorized or if the payment is not received within a predetermined period of time, the payment processor declines to pay the merchant for the goods or services.

Secure payment and billing method using mobile phone number or account

A system, method and computer program product for processing payments for goods or services, including a payment processor that receives a payment request from a merchant for goods or services and that includes a mobile phone number or mobile phone account of a user, sends a payment authorization request text message to the mobile phone requesting payment authorization, and receives a payment authorization text message from the mobile phone authorizing or not authorizing the payment. If the payment is authorized, the payment processor pays the merchant and charges the mobile phone account for the payment. If the payment is not authorized or if the payment is not received within a predetermined period of time, the payment processor declines to pay the merchant for the goods or services.

Method and system for securely entering identification data in order to authenticate a transaction carried out by means of a self-service terminal

For self-service terminals, such as e.g. cash machines, identification data in the form of a PIN are usually entered on the keyboard of the cash machine. Said keyboards have encryption mechanisms, are produced as EPPs (Encrypting I Pads) and are very expensive. When a PIN is entered, being watched cannot be ruled out. In order to solve these problems, a method and a system for authenticating and carrying out a transaction at a self-service terminal, particularly a cash machine (ATM), is specified, wherein the system comprises the following system components: a first computer-supported unit (PINSRV), which forms a second data set containing second elements (A, B, C,... J) for a first data set containing first elements (0, 1, 2, 3,... 9) from which identification data (PIN) are formed, each of which second elements is allocated, on a one-to-one basis, to one of the first elements; a screen (DISP) which is structurally connected to the self-service terminal (ATM) and displays the one-to-one ...

Personal verification and message authentication encryptions for network transmission

SECURITY SYSTEMS

Wireless transaction and information system

Methods and systems for providing a secure electronic mailbox

IDENTITY VERIFICATION METHOD AND APPARATUS

IMPROVED IDENTITY VERIFICATION METHOD AND APPARATUS An improved method for verifying the identity of a prospective terminal user presenting an identification card or a credit card and a memorized personal identification number. Only part of the information necessary to correlate an account number to a personal identification on number is available at any accessible place in the operating system. Neither the credit card, the host computer, nor the transmission link will ever have sufficient information to completely correlate an account number to a personal identification number.

PROCEDE POUR AUTHENTIFIER UNE DONNEE D'HABILITATION EXTERNE PAR UN OBJET PORTATIF TEL QU'UNE CARTE A MEMOIRE

Abrégé déscriptif Procédé pour authentifier une donnée d'habilitation externe par un objet portatif tel qu'une carte à mémoire. La donnée d'habilitation (C1) entrée dans un appareil (2) est chiffrée avec une information (E) prédéterminée pour donner un message (M) qui est transmis à un objet portatif (1). L'objet (1) déchiffre le message (M) en prenant en compte une donnée d'habilitation de référence (C1) pour retrouver une information (E') qui doit être cohérente avec l'information (E). L'invention s'applique notamment à la reconnaissance du code porteur du titulaire d'une carte de crédit. Figure 1 ...

AUTOMATED DEVICE FOR CHANGING AUTHENTICATION CODE

Methods and systems for changing an authentication code are described. An automated device provides a sequence of interfaces. The automated device communicates with a server to exchange data, which is used to dynamically populate one or more of the interfaces in the sequence. The interface sequence includes: a home interface providing a plurality of selectable options for performing an action related to an account; a current authentication code interface for receiving a current authentication code for the account; a new authentication code interface for receiving a new authentication code for the account; a fourth interface providing output indicating processing of the change of authentication code; an acknowledgement interface indicating completion of the change of authentication code; and a record preview interface providing a preview of a record of the session, the record preview interface further providing an option to generate output of the record.

ADAPTIVE AUTHENTICATION

Systems and techniques for an adaptive authentication system are described herein. In an example, an adaptive authentication system is adapted to receive a request at a first entity from a second entity for secure data of a user, where the second entity is remote from the first entity. The adaptive authentication system may be further adapted to transmit a prompt to a user device associated with the user for authentication of the user and authentication of the request. The adaptive authentication system may be further adapted to receive a response to the prompt and authenticate the user and the request based on the response. The adaptive authentication system may be further adapted to transmit the secure data of the user to the second entity.

SYSTEM AND METHOD FOR A SELF-CALCULATING TOKEN VAULT

A system and method for electronic payment that involves generating and then using a temporary token based on a legacy PAN (Primary Account Number) to conduct an electronic transaction. The token is generated by transforming the PAN using specific inputs such that the original PAN can be recovered by manipulating the token in various ways as disclosed herein. One potential manipulation that may be used is encryption/decryption. The token is transmitted to a portable electronic device such that the portable electronic device may present the token to a point-of-sale device. The POS communicates the token to a server which validates the token by, among other things, recovering the PAN. If the PAN is recovered as expected a validation message is returned to the POS device.

MULTI-FACTOR AUTOMATED TELLER MACHINE (ATM) PERSONAL IDENTIFICATION NUMBER (PIN)

An automated teller machine (ATM) may include an input component and one or more processors. The input component may be configured to detect multi-factor input associated with an account. The multi-factor input may include at least two of: a sequence of characters input via the input component, a force with which at least one character, of the sequence of characters, is input via the input component, a length of time over which at least one character, of the sequence of characters, is input via the input component, or a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component. The ATM may receive the multi-factor input, validate the multi-factor input in association with the account, and selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.

METHOD AND SYSTEM FOR PROCESSING PIN DEBIT TRANSACTIONS

CASINO CASH SYSTEM, APPARATUS AND METHOD UTILIZING INTEGRATED CIRCUIT CARDS

Methods, systems and apparatus are provided for facilitating financial transactions using an IC type financial card via a terminal. Upon insertion of an IC card to the terminal, a requested funds access transaction is processed via a first selected transaction type. If the transaction is unsuccessful, the terminal automatically presents a list of remaining available transaction types from which the user may select and the transaction is processed by the next selected transaction type, without removal of the card between the two attempts. If the transaction is successful, funds are provided to the user, such as in the form of currency/coins or funds transfer.

CASINO CASH SYSTEM, APPARATUS AND METHOD UTILIZING INTEGRATED CIRCUIT CARDS

METHOD AND SYSTEM FOR ELECTRONIC DISTRIBUTION OF CONTROLLED TOKENS

A method for distributing controlled tokens to a secondary mobile device includes: storing account profiles, each including an account identifier, set of token credentials, and an associated mobile device identifier; receiving a token distribution request from, a first mobile device including a first mobile device identifier, recipient mobile device identifier, specific account identifier, and account controls; identifying a specific account profile including the specific account identifier and first mobile device identifier; generating a single use identification value and reservation identifier; transmitting the single use identification value to the first mobile device; transmitting the reservation identifier to a second mobile device associated with the recipient mobile device identifier; receiving the reservation identifier and the single use identification value from the second mobile device; verifying the reservation identifier and single use identification value received from the ...

MULTI-SCHEME PAYMENT INTEGRATED CIRCUIT CARD, PAYMENT SYSTEM, AND PAYMENT METHOD

A system for effecting a financial transaction via multiple payment schemes from a single payment integrated circuit (IC) card is provided. The system comprises a payment IC card compatible with a payment card standard, the payment IC card having one or more selectable presets each identified by an identifying value; a wallet server storing, in association with respective identifying values, user payment scheme accounts of one or more payment schemes; and a vendor payment system configured to facilitate transactions in accordance with the payment card standard, wherein the wallet server is configured to receive an identifying value from the vendor payment system, and further wherein the wallet server is configured to effect a financial transaction with a user payment scheme account stored in association with an identifying value matching the identifying value received from the vendor payment system.

MULTI-SCHEME PAYMENT INTEGRATED CIRCUIT CARD, PAYMENT SYSTEM, AND PAYMENT METHOD

An electronic payment system includes a wallet server storing account details of one or more payment schemes with which a user has an account; a mobile application operable to indicate to the wallet server which of the one or more payment schemes is to be pre-authorized for a transaction; and a payment card conforming to a payment card standard. Operating the payment card to effect a financial transaction effects a financial transaction using the payment scheme indicated to the wallet server by the mobile application.

ONLINE COMMERCIAL TRANSACTION SYSTEM AND METHOD OF OPERATION THEREOF

A system (1) for conducting commercial transactions comprises an application server (2) that hosts a software application that can be accessed by users to conduct commercial transactions thereon, an application user database (7) of authorised users capable of accessing the application server (2), each authorised user in the application user database (7) being uniquely identifiable by means of corresponding login name and password, and a proxy server (10) communicable with the application server (2) and accessible by a plurality of registered users from respective mobile phones (9). The proxy server provides each one of the plurality of registered users with access to the application server (2) from that user's respective mobile phone (9). A proxy database (11) is associated with the proxy server (10), the proxy server (10) containing details of authorised user database (7) who are also registered to access the application (2) server through the proxy server from their respective mobile ...

PORTABLE HANDHELD DEVICE FOR WIRELESS ORDER ENTRY AND REAL TIME PAYMENT AUTHORIZATION AND RELATED METHODS

A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the hous ing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information f rom a transaction card, a wireless transceiver carried by the housing, and a processor carried by the housing and connected to the display, order entry input device, transaction card input device and wireless transceiver. The pr ocessor may be for wirelessly sending input order information, and encryptin g and wirelessly sending the user sensitive information from the transaction card without storing and without displaying. The processor may also be for wirelessly receiving and displaying payment authorization information based upon real time authorization from a transaction card issuing entity.

SYSTEMS AND METHODS FOR FACILITATING A TRANSACTION USING A VIRTUAL CARD ON A MOBILE DEVICE

Systems and methods are provided for facilitating contactless payment using cloud- based wallet containing payment credentials (e.g. Visa, Mastercard, American Express) using a near field communication (NFC)-capable device and payment gateway servers. A user can use their existing payment card, herein referred to as a funding card, for contactless payments. A second payment card, herein referred to as a virtual card, is generated. The virtual card is associated with the funding card on a payment gateway server. The virtual card is used on a NFC-enabled mobile device. When a payment is initiated, the virtual card data is sent through the NFC system from a point of sale terminal. This information is sent to the payment gateway server, which retrieves the funding card to make the payment. The funding card, not the virtual card, is used to transfer the money to make payment.

AUTHENTICATION METHODS AND SYSTEMS

The invention provides an authentication method and system. It is particularly suited for verifying the identity of an individual prior to permitting access to a controlled resource. This may or may not be a financial resource. The invention uses biometric data relating to a user to encode and decode an identifier associated with a user. Thus the user's biometric data becomes the key for encoding and subsequently decoding the identifier. In one embodiment, the biometric data is used to generate a keypad configuration. The keypad configuration specifies the order and/or position of a plurality of keypad keys. An operable keypad and/or image of a keypad is then generated using the configuration. Thus, the individual's biometric data can be used to generate a customised keypad and/or image which can then be used to encode or decode the identifier associated with the user. A keypad or image generated from the biometric data can be used to generate a mapping between different keypad configurations ...

MOBILE DEVICE PAYMENTS

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for conducting cardless payment transactions. One of the methods includes receiving from a merchant computer an indication of a payment transaction by a user associated with a mobile phone number. A text message is provided to a device associated with the mobile phone number requesting approval for the payment transaction, wherein the message includes an approval code. A message is received from the device associated with the mobile phone number. If the text message from the device associated with the mobile phone number includes the provided approval code, account information associated with the mobile phone number is obtained, authorization for the payment transaction is obtained using the account information, and notification of authorization of the payment transaction is provided to a merchant conducting the payment transaction.

RAW SENSOR INPUT ENCRYPTION FOR PASSCODE ENTRY SECURITY

A method of encrypting sensor input entries for passcode entry security is disclosed. The method in one embodiment includes presenting a passcode entry interface on an electronic device for a user to input a passcode entry. The electronic device then receives an input event, which is indicative of at least part of the passcode entry by the user, from a sensor of the electronic device. The electronic device then encrypts a sensor value of the input event and transmits the encrypted sensor value to an external system over a network to cause the external system to decipher the passcode entry from the encrypted sensor value.

SECURE PASSCODE ENTRY USER INTERFACE

A method for secure passcode entry is disclosed. The method, in one embodiment, includes: receiving a request for authenticating a user; in response to the request, generating a passcode entry interface including buttons corresponding to character options for composing a passcode entry, wherein the passcode entry interface is used to receive the passcode entry to authenticate a user of the payment card; identifying, on a touchscreen of the electronic device, a traffic region that experienced touch events prior to receiving the request; and displaying the passcode entry interface on the touchscreen such that at least a portion of the passcode entry interface is positioned in the traffic region.

MOBILE COMMUNICATION DEVICE WITH PROXIMITY BASED COMMUNICATION CIRCUITRY

A mobile computing device has processors, memory, voice communication circuitry, and communication circuitry configured to receive a request from a server for information to complete an information exchange. The computing device also has a display device configured to display at least one user interface window in response to receiving the request from the server. The user interface window includes a plurality of data entry fields corresponding to the request. The computing device has a proximity based communication circuitry configured to energize an external proximity based card that is brought into proximity with the mobile computing device. When the external proximity based card is energized, the computing device receives information from the external proximity based card to populate at least one of the data entry fields. The communication circuitry is configured to submit data from the data entry fields to the server to facilitate the completion of the information exchange.

SYSTEM AND METHOD OF ASSOCIATING AN ARTICLE DISPENSING MACHINE ACCOUNT WITH A CONTENT PROVIDER ACCOUNT

A method of associating a first customer account for an article dispensing machine with a second customer account at a content provider. The article dispensing machine has a user interface. The method receives a unique customer identifier through the user interface, accesses the first customer account based on the unique customer identifier, and associates the second customer account at the content provider with the first customer account. The second customer account can include a customer subscription with access permission for a digital media selection at the content provider. In addition, the unique customer identifier can include at least one of a credit card number or a debit card number, and the method can apply a hash function to at least one of the credit card number or the debit card number to produce at least one of a hashed credit card number or a hashed debit card number.

ACCOUNT ACCESS AT POINT OF SALE

A user makes a payment at a POS by entering the user's phone number (either through a keypad or via a card swipe) and PIN into a POS device (such as through a keypad). That information is communicated to a payment provider, who can then access the user's account, determine whether to approve or deny the payment, and notify the merchant of the decision.

METHOD AND SYSTEM OF ELECTRONIC PAYMENT TRANSACTION, IN PARTICULAR BY USING CONTACTLESS PAYMENT MEANS

A method of electronic payment transaction is charac-terized by the fact that during processing of one payment transaction, a communication link (3) between the card (1) and the terminal (2) is interrupted and the ARPC answering file is received to the card (1) af-ter the original communication link (5) is interrupted. Two phases are separated by a reset of the card (1) where in the second phase initial payment data (ARQC) are used. Electronically signed ARQC payment file is stored in the card's (1) memory for at least until the correspond-ing time ARPC answering file is of received and processed. The solu-tion enables to place the mobile phone with a payment card (1) near to the terminal's (2) reader twice. The first time, a request for on-line au-thorization is generated and during the second touch the information from the payment processor (5) is recorded into the payment applica-tion.

THE SYSTEM AND METHOD OF CONTACTLESS AUTHORIZATION OF A PAYMENT

The system consists of a POS terminal (6), a secure ele-ment (2), a mobile communication device (1) with a display and a key-board, such as a mobile phone. The mobile communication device (1) is equipped with a removable memory card (3), in which there are at least two physically separate secure elements (2) located. The mobile commu-nication device (1) is connected to the POS terminal (6) through a con-tactless transmission channel (5) and at least one secure element (2) on the removable memory card (3) contains a payment card unit (9). The re-movable memory card (3) contains a NFC communication element (7). The system can also encompass a separate carrier (13) for PIN entering. The carrier (13) is energetically supplied from the field of the received electromagnetic field. During the payment's authorization, the managing unit (4) in the mobile communication device (1) activates a corresponding secure element (2) with the chosen payment card unit (9) on the remov-able memory card (3).

THE SYSTEM AND METHOD OF CONTACTLESS AUTHORIZATION OF A PAYMENT

The system consists of a POS terminal (6), a secure ele-ment (2), a mobile communication device (1) with a display and a key-board, such as a mobile phone. The mobile communication device (1) is equipped with a removable memory card (3), in which there are at least two physically separate secure elements (2) located. The mobile commu-nication device (1) is connected to the POS terminal (6) through a con-tactless transmission channel (5) and at least one secure element (2) on the removable memory card (3) contains a payment card unit (9). The re-movable memory card (3) contains a NFC communication element (7). The system can also encompass a separate carrier (13) for PIN entering. The carrier (13) is energetically supplied from the field of the received electromagnetic field. During the payment's authorization, the managing unit (4) in the mobile communication device (1) activates a corresponding secure element (2) with the chosen payment card unit (9) on the remov-able memory card (3).

FLEXIBLE QUASI OUT OF BAND AUTHENTICATION ARCHITECTURE

To obtain user approval of network transactions at different levels of security, a network site selects a form in which a transaction with be presented to the user from a group of transaction presentation forms including presentation of the transaction in a browser pop-up window on a user network device, in a security software application window on the user network device, and in a security application window on another user network device. The network site also selects a type of approval of the transaction required from the user from a group of transaction approval types including approval requiring no action by the user after presentation of the transaction, the user to actively approve the presented transaction, and the user to sign the presented transaction. The transaction, the selected transaction presentation form, and the selected type of user transaction approval, are transmitted to obtain approval of the transaction by the user.

SYSTEM AND METHOD FOR REQUESTING AND PROCESSING PIN DATA USING A DIGIT SUBSET FOR SUBSEQUENT PIN AUTHENTICATION

A system and method for authenticating a personal identification number (PIN) associated with a payment card of a cardholder, the PIN being a code having a sequence of digits, the method comprising the steps of: presenting a PIN entry request including identifying a digit subset of the code, such that the digits in the digit subset is at least one digit less than the digits of the code; receiving the digit subset in response to the PIN entry request; sending an authentication request based on the digit subset; receiving an authentication response including response data; and presenting a response to the cardholder based on the response data, the response including information representative of whether the PIN was successfully authenticated or not using the digit subset.

WIRELESS COMMUNICATION WITH IC CHIP FOR PIN DATA SUBMISSION

A system and method for coordinating processing of a cardholder present financial transaction between the cardholder and a merchant system. The system collects a transaction amount of the financial transaction associated with merchant identification information of the merchant system. The system sends an authentication request using a wireless communication protocol configured for proximity communication between a communication interface of a computer device and a wireless communication enabled integrated circuit (IC) chip of a payment card, the authorization request including an IC command expected by computer hardware of the IC chip. The system receives an authentication response from the computer hardware of the IC chip by the wireless communication protocol, the authentication response including an encrypted value generated by the computer hardware of the IC chip. The system sends a transaction request to a payment processing system for settlement of the financial transaction, the transaction ...

SYSTEM AND METHOD FOR PROVIDING SMART ELECTRONIC WALLET AND RECONFIGURABLE TRANSACTION CARD THEREOF

A smart electronic wallet with reconfigurable multiple-account transaction card is provided. The system and method provide measures for storing a plurality of account identifiers from a plurality of traditional single-use transaction cards into a storage memory in a smart wallet. The system and method also provide for storing a reconfigurable multiple- account transaction card within the smart electronic wallet and allowing for it to be dynamically and selectively reconfigured for any one of the plurality of account identifiers stored within the smart electronic wallet. Additionally, a consumer is able to initiate a transfer or trade of transaction cards across different smart electronic wallet devices.

Portable handheld device for wireless order entry and real time payment authorization and related methods

A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the housing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information from a transaction card, a wireless transceiver carried by the housing, and a processor carried by the housing and connected to the display, order entry input device, transaction card input device and wireless transceiver. The processor may be for wirelessly sending input order information, and encrypting and wirelessly sending the user sensitive information from the transaction card without storing and without displaying. The processor may also be for wirelessly receiving and displaying payment authorization information based upon real time authorization from a transaction card issuing entity.

System and method for immediate issuance of transaction cards

A system and method for substantially immediate issuance of transaction cards includes at least one unassigned transaction card including a storage medium having a card number encoded thereupon. The system also includes a computing system configured to receive application information from an applicant that has been provided said unassigned transaction card, and to activate the unassigned transaction card so that access to monetary funds is extended to the applicant through said unassigned transaction card, upon an evaluation of said application information indicating that the applicant has been approved for access to the monetary funds. The unassigned transaction card bears no visible marking presenting information concerning the applicant and encodes no information concerning said applicant upon the storage medium of said unassigned transaction card.

Wallet Consolidator to Facilitate a Transaction

A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction is provided. An embodiment of a Wallet consolidator can include a housing, one or more input devices positioned to receive information, and a memory device positioned to store at least a portion of the information received by the one or more input devices. The wallet consolidator can also include a radio frequency wireless communication interface associated with the housing and adapted to communicate with a point-of-sale terminal thereby to provide at least a portion of the Information stored in the memory device to the point-of-sale terminal, a display screen, and a controller positioned within the housing in communication with and to control each of the one or more input devices, the memory device, the radio frequency wireless communication interface, and the display screen.

Internet strawman and user interface therefor

A user account including a personal profile is stored by a server for subsequent use. The user is provided a list of displayable entries sortable using specified criteria in a manner that allows the user to review a selection of entries and to make a change to the selection prior to submitting a transaction for processing. Responsive to a request to log into the user account, the identity of the user is verified. Once verified, the transaction is facilitated between a vendor and the user pursuant to instructions from the user. The instructions are generated based on a shopping cart screen rendered by a client device of the user. The user is sent a confirmation message regarding the transaction while the user is logged in the server. The user can be provided an account screen allowing access to information relating to user transactions and information relating to an account balance.

Biometric authentication of mobile financial transactions by trusted service managers

A method for authenticating a financial transaction at a point of sale (POS) includes storing an application program in a first secure element of a mobile phone. The application is configured to generate instruction codes to effect the financial transaction upon verification of a user's identity. The user's credentials are stored in a second SE of the phone, which is operable to verify the user's identity from a biometric trait of the user input to the phone and to generate data authenticating the financial transaction in response to the verification of the user's identity. At the POS, the user invokes the application and then inputs a biometric trait to the phone. The second SE verifies the user's identity, and upon verification, generates data authenticating the transaction. The financial transaction data, including the instruction codes and the authenticating data, are then transmitted from the phone to the POS.

Systems and methods for facilitating secure transactions

A system for secure transactions receives an authorization request from a mobile device, the mobile device having received the authorization request by scanning a QR code and/or other encoded data. The system processes the authorization request using one or more transaction accounts that are paired to the mobile device, and transmits a response indicating approval or denial of the authorization request.

Differential Encryption Utilizing Trust Modes

Systems and methods are provided for data protection across connected, disconnected, attended, and unattended environments. Embodiments of the inventions may include differential encryption based on network connectivity, attended/unattended status, or a combination thereof. Additional embodiments of the invention incorporate “trust windows” that provide granular and flexible data access as function of the parameters under which sensitive data is accessed. Further embodiments refine the trust windows concept by incorporating dynamic intrusion detection techniques.

System and method for displaying user's signature on pos terminals

A system and a method for authenticating financial transactions on PUS terminals have been disclosed. The system 100 authenticates the financial transaction by displaying a user's signature, at the time of a transaction, on the POS terminal. The display of the user's signature on the POS terminal not only acts as a secure access image for users to guarantee a secure payment channel but also proves the authenticity of the remote application servers associated with the financial institutions making the financial transactions at the POS terminals safer and secured.

Online account authentication service

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. A chip card and the authentication service independently generate cryptograms to match in order for the service to verify that the correct chip card is being used by the cardholder.

Methods and systems for providing a secure electronic mailbox

A secure electronic mailbox is provided to a customer having an electronic account. The electronic account links the secure electronic mailbox to a physical address of the customer. The customer can send and receive secure and non-secure messages via the secure electronic mailbox. The customer can also access electronic services such as electronic bill presentment and payment using the secure electronic mailbox.

System and method for encrypted smart card pin entry

A smart card, system, and method for securely authorizing a user or user device using the smart card is provided. The smart card is configured to provide, upon initialization or a request for authentication, a public key to the user input device such that the PIN or password entered by the user is encrypted before transmission to the smart card via a smart card reader. The smart card then decrypts the PIN or password to authorize the user. Preferably, the smart card is configured to provide both a public key and a nonce to the user input device, which then encrypts a concatenation or other combination of the nonce and the user-input PIN or password before transmission to the smart card. The smart card reader thus never receives a copy of the PIN or password in the clear, allowing the smart card to be used with untrusted smart card readers.

Multi-mode handheld wireless device

Various embodiments of the invention relate to a multi-function handheld user device that may have multiple selectable modes of operation. Various mechanisms may be provided for switching between modes. Within each mode, context awareness and situational awareness may be used to obtain additional information or perform additional functions not directly requested by the user.

Single tap using a user selected card

The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.

Single tap transactions using a mobile application

The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.

Smart phones that include a digital camera, a touch sensitive screen, and support for voice activated commands

A new Smart Phone specification is disclosed, the Smart Phone may provide voice activated commands and may include a touch sensitive screen, a digital camera, a wireless communication unit, an operating system, a graphical user interface, an e-mail application, an Internet browsing application, and an application for playing audio or video content. The Smart Phone may provide an application programming interface (API) to support applications. The Smart Phone may further include a microphone interface, a speaker interface, and a voice activated command function for receiving voice commands from the user. In some examples, the Smart Phone may take a picture with the digital camera included in the Smart Phone and transfer the picture to a wireless output device; and in other examples, the Smart Phone may stream or transfer digital content to an output device over the air or wirelessly in response to a voice command.

Utilizing shopping lists for nfc transactions

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Online shopping using a cloud-based mobile wallet

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Online shopping using a mobile payment system

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

In store mobile payment using a default payment method

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Processing payments at a management server with a user selected payment method

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Point of sale (pos) personal identification number (pin) security

A key is securely injected into a POS PIN pad processor in its usual operating environment. In response to entry of a personal identification number (PIN) into a PIN pad, the processor puts the PIN into a PIN block; puts additional random data into the PIN block; and encrypts the entire PIN block using asymmetric cryptography with a public key derived from the injected key residing in the PIN pad processor. The corresponding private key may be held securely and secretly by an acquirer processor for decrypting the PIN block to retrieve the PIN. The encrypted random data defends the PIN against dictionary attacks. Time stamp data and constant data encrypted with the PIN block enables a defense of the PIN against replay attacks and tampering. The method may also include accepting the PIN from a mobile phone in communication with the processor.

Remote transaction processing using authentication information

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

SYSTEM AND METHOD FOR GENERATING A STRONG MULTI FACTOR PERSONALIZED SERVER KEY FROM A SIMPLE USER PASSWORD

The present invention relates to a method of generating a multi-factor encryption key using a simple password in order to access control over information stored at a second entity from a first entity via at least one communication network. In one embodiment this is accomplished by, requesting to receive an application at the first entity from the second entity via the communication network, activating the first entity to generate a shared secret key, wherein the shared secret key is computed from a first entity specific ID and a random number generated at the first and second entity and allowing the user to register with the application of the second entity by the first entity, wherein the registration include entry of a personal PIN (personal identification number), a personal message etc. 1. A method of generating a multi-factor encryption key using a simple password in order to access control over information stored at a second entity from a first entity via at least one communication network , the method comprising:having a pre-installed application or requesting to receive an application at the first entity from the second entity via the communication network;activating the first entity to generate a shared secret key, wherein the shared secret key is computed from a first entity specific ID and a random number generated at the first and second entity; andallowing the user to register with the application of the second entity by the first entity, wherein the registration include entry of a personal PIN (personal identification number), a personal message etc.2. The method of claim 1 , wherein the information stored includes transaction related data or authentication related data or encryption related data of a gift card account claim 1 , a credit card account claim 1 , a loyalty account claim 1 , and/or a bank account.3. The method of claim 1 , wherein the step of activation further comprising:generating a random number by the first entity, wherein the random ...

MOBILE IMAGE PAYMENT SYSTEM USING SHORT CODES

A Mobile Image Payment System for mobile commerce, which enables a Consumer to use a mobile device to make payments for online, Electronic Media, Print Media and POS Transactions, involving the presentment of a short code. In an embodiment, the Consumer scans the short code that is displayed by a merchant, to initiate a transaction. The system completes the transaction by processing information between a Mobile Payment Client residing on the Consumer's mobile device, a Mobile Payment interface residing on a Transaction Server, and, in a further embodiment, a Mobile Payment Application residing on a merchant's device or POS terminal. The Consumer's mobile device communicates with a Payment Platform, which communicates with a Merchant Transaction Server in order to process and complete the mobile transaction. The short code of the merchant can be displayed on any product or advertising medium. 1. A non-transitory computer readable storage medium with an executable payment application stored thereon , the payment application configured for generating a payment request for receipt by a merchant interface over a communications network , a transaction of the payment request associated with a merchant providing a product to a consumer , wherein the payment application instructs a computer processor to perform the following steps of:receiving a product code data, wherein the product code data is representative of merchant data associated with the product;receiving a consumer identifier, wherein the consumer identifier identifies the consumer;sending the payment request including the product code data and the consumer identifier to the merchant interface over the communications network; andreceiving a confirmation of approval or denial of the payment request from a transaction interface that is separate and remote from the merchant interface over the communications network.2. The non-transitory computer readable storage medium of claim 1 , wherein the payment request ...

ONLINE PAYMENT USING AN NFC ENABLED DEVICE

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. 1. A method comprising:receiving an input request from a user selecting an item for purchase from a merchant portal, the input request received at a mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device radio interface configured to use a first communication channel for voice and data interactions, and a mobile device memory;sending a transaction request to the merchant portal, the merchant portal configured to determine a total purchase amount and encrypt and cryptographically sign a payment authorization for the total purchase amount;receiving the encrypted and cryptographically signed payment authorization for the total purchase amount;executing a POS midlet payment authorization protocol between a POS midlet and a secure element payment application in response to a near field communication interaction between the POS midlet and the secure element payment application configured to run on a secure element, the secure element coupled to the mobile device;wirelessly transmitting a purchase authorization request from the POS midlet to a financial institution;receiving a payment authorization from the financial institution at the POS midlet for ...

STAND-ALONE SECURE PIN ENTRY DEVICE FOR ENABLING EMV CARD TRANSACTIONS WITH SEPARATE CARD READER

A method of conducting secure electronic payments to a payment acquirer using a credit card payment unit, comprising of a smart card, a portable card reader device, a mobile phone, a stand-alone PIN entry device and a payment server. The method is based on eliminating the unsecure keyboard in a mobile phone used for entering personal identification information, and instead use a separate secure PIN entry device which fulfils the EMV Level specification. Since all sensitive payment information, communicated to the payment server from the card reader and the PIN entry device, is encrypted using unique encryption keys an unsecure mobile phone may be used for relaying the communication between the card reader device and the PIN entry device to and from the payment server. 1. A method of conducting electronic payments to a payment acquirer using a credit payment unit , comprising a smart card , card reader device , a mobile phone and a personal identification number (PIN) entry device , and a payment server , said method comprising:initializing said credit payment unit by establishing communication between said smart card and said card reader device, establishing communication between said card reader device and said mobile phone;starting a dedicated software application in said mobile phone;said software application establishing communication between said mobile phone and said PIN entry device;said software application establishing communication between said credit payment unit and said payment server using said mobile phone;said software application communicating a reader serial number stored in said card reader device via said mobile phone to said payment server;communicating a PIN serial number stored in said PIN entry device to said payment server;deriving a reader key, used in said card reader device for encrypting information, in said payment server based on said communicated reader serial number and a master reader key stored in said payment server;deriving a PIN ...

AUTHORIZATION OF CASH DELIVERY

A computer-based method includes receiving, at a computer-based authorization system, a request to authorize payment to a first party at an electronic payment device from an account with funds that have been paid by a second party. The request includes an encrypted indication of an account number that corresponds to the account and a cash card number entered by the first party at the electronic payment device. The method further includes deriving an unencrypted version of the account number from the encrypted indication; comparing the unencrypted version of the account number to one or more identification codes in an electronic database, where one of the identification codes corresponds to the account; and authorizing payment from the account at the payment device based, at least in part, on whether the comparing yields a match between the unencrypted version of the account number and the identification code that corresponds to the account. 138.-. (canceled)39. A computer-based method comprising:receiving, at a computer-based authorization system, a request to authorize payment to a person using a cash dispensing device, e.g. ATM (or retail establishment), from stored value originating from funds that have been paid by any person wherein the request comprises, as part of the authorization request, an encrypted indication (“PIN Block”) of a 4 to 16 digit numeric string (“PIN”) entered by such person at the cash dispensing device combined with a number encoded magnetically on an ATM card (“Cash Card Number”), in addition to the unencrypted Cash Card Number;comparing a decrypted PIN Block or transformed PIN Block or Cash Card Number to one or more of a plurality of identification codes in an electronic database, wherein each identification code corresponds to a stored value; andauthorizing payment of the stored value at the cash dispensing device, at least in part, on whether the comparing yields a match between a decrypted PIN Block or transformed PIN Block or Cash ...

Cardless payment transactions

A method that includes obtaining a current location of a mobile device of a customer; sending the current location to a cardless payment system; determining whether to send, to the cardless payment system, an indication of consent to perform a cardless payment transaction with the merchant; displaying on the mobile device whether the merchant is authorized to perform a cardless payment transaction with the customer.

System for secure payment over a wireless communication network

A method of conducting secure electronic credit payments to a payment acquirer using a credit payment unit, comprising of a smart card, a portable card reader device and a mobile phone, and a payment server. The method is based on using a unique reader key in the card reader device to encrypt all the sensitive smart card information communicated to the payment server, and thus being able to use an unsecure mobile phone to communicate with the payment server. The payment server then completes the transaction with the payment acquirer over a secure line.

Trusted service manager (tsm) architectures and methods

A client device comprises a first secure element and a second secure element. The first secure element comprises a first computer-readable medium having a payment application comprising instructions for causing the client device to initiate a financial transaction. The second secure element comprises a second computer-readable medium having a security key, a payment instrument, stored authentication data and instructions for generating a secure payment information message responsive to the payment application. The secure payment information message comprises the payment instrument and is encrypted in accordance with the security key.

Secure authentication and payment system

The present invention provides a service for allowing secure financial transactions to be carried out, the service involving authenticating a user's identity and/or status as part of a financial transaction with another party and in the event that the user is authenticated arranging for the transaction to be completed without revealing the user's financial details and/or other personal details to that other party. Authentication data and transaction data may be communicated over any suitable communications channel(s). The invention provides a trusted authentication and payment environment that protects a user's financial details, but allows them to be securely authenticated and arranges for transactions to be fulfilled, whilst providing other parties with reassurance that transactions will be completed. In this way, fraud and theft due to misappropriation of financial details can be minimized.

Service for account with unavailable funds or credit using a passcode

In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for account with unavailable funds or credit using a passcode for the account with unavailable funds or credit For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will exceed available funds or credit as a result of the transaction; (c) receiving a passcode for the account with unavailable funds or credit associated with the account; and (d) authorizing the transaction based at least partially on the receiving the passcode for the account with unavailable funds or credit.

Output device and method for output without an output driver

An output device for providing output service to a mobile information apparatus without requiring a device specific output driver installed at the mobile information apparatus. The wireless output device may include an operating system, a wireless communication unit for radio frequency communication, a display screen, and a user interlace over the display screen, the output device may include features for installing one or more application software at the output device for expanding the capabilities of the output device, registering the output device with a control point over a network and providing an identification of the output device for enabling one or more mobile information apparatuses to transmit output data to the output device. Subsequent to registering the output device and providing the identification information of the output device, the output device receives output data associated with the identification information from the mobile information apparatus for rendering.

System and method for processing payment during an electronic commerce transaction

A method and system for processing payment during an electronic commerce transaction is described herein. The system includes: a mobile device configured to provide an electronic wallet storing a payment card, the payment card comprising card payment information, and a card security credential. The system may also include a coordination server configured to receive a request to conduct the electronic commerce transaction, and send an activation message to the mobile device to activate the electronic wallet. When the electronic wallet is activated, the mobile device may be further configured to: receive a card selection input indicating selection of the payment card for payment in the electronic commerce transaction; verify a security input against the card security credential of the payment card; and send the card payment information and confirmation that the payment card was present during the verifying for use in completing the electronic commerce transaction.

SYSTEMS AND METHODS FOR PROCESSING MOBILE PAYMENTS BY PROVISONING CREDENTIALS TO MOBILE DEVICES WITHOUT SECURE ELEMENTS

A method for generating and provisioning payment credentials to a mobile device lacking a secure element includes: generating a card profile associated with a payment account, wherein the card profile includes at least payment credentials corresponding to the associated payment account and a profile identifier; provisioning, to a mobile device lacking a secure element, the generated card profile; receiving, from the mobile device, a key request, wherein the key request includes at least a mobile identification number (PIN) and the profile identifier; using the mobile PIN; generating a single use key, wherein the single use key includes at least the profile identifier, an application transaction counter, and a generating key for use in generating a payment cryptogram valid for a single financial transaction; and transmitting the generated single use key to the mobile device. 1. A method for generating and provisioning payment credentials to a mobile device lacking a secure element , comprising:generating, by a processing device, a card profile associated with a payment account, wherein the card profile includes at least payment credentials corresponding to the associated payment account and a profile identifier;provisioning, to a mobile device, the generated card profile;receiving, from the mobile device, a key request, wherein the key request includes at least a mobile personal identification number (PIN) and the profile identifier;using, by an authentication device, the mobile PIN;generating, by the processing device, a single use key, wherein the single use key includes at least the profile identifier, an application transaction counter, and a generating key for use in generating a payment cryptogram valid for a single financial transaction; andtransmitting, by a transmitting device, the generated single use key to the mobile device, wherein the mobile device is not required to have a secure element.2. The method of claim 1 , whereinthe single use key is genuine ...

Electronic-payment authentication process with an eye-positioning method for unlocking a pattern lock

This invention discloses an eye-positioning method for unlocking a pattern lock by a user, comprising: showing to the user a pattern diagram on a display, the pattern diagram being pre-stored in a storage device at a back-end server, and is transmitted to the display via a network; capturing a facial image of the user by a video-taking equipment coupled to the display; an on-screen marker real-time tracking an eye of the payer, enabling the marker to move on the pattern diagram to form a marker-movement path according to movement of the eye relative to the video-taking equipment, the eye being either a left eye or a right eye as pre-agreed; and determining if the marker-movement path includes an entirety of a pre-set action path. This invention also provides an electronic-payment authentication method using the aforementioned pattern-unlocking method, for payments at retail sites and for online payments.

SOFTWARE PIN ENTRY

A card reader configured to read a smart card can be detachably connected to a mobile computing device. When the card reader is attached to the mobile device, an application installed on the mobile computing device permits the mobile device to communicate with the card reader in order to process transactions. 1. A method of securely communicating between a card reader and a mobile device , comprising:receiving a unique identification code of the card reader;sending the unique identification code to a server;receiving a cryptographic key from the server, where the cryptographic key is associated with the unique identification code; andencrypting data using the cryptographic key;sending the data to the card reader;receiving encrypted data from the card reader;decrypting the encrypted data using the cryptographic key;processing the unencrypted data; andcontinuing secure communication between the card reader and the mobile device, wherein continuing secure communication includes encrypting and decrypting using the cryptographic key.2. The method of claim 1 , where the unique identification code is thirty two bits or sixty four bits in length.3. The method of claim 1 , where prior to receiving the unique identification code claim 1 , a card is swiped at the card reader.4. The method of claim 3 , where the data includes a passcode associated with the card.5. The method of claim 4 , where the encrypted data is an acknowledgment that the passcode is verified.6. The method of claim 1 , where the processing comprises:submitting a payment transaction to a payment processing system.7. The method of claim 1 , where prior to the encrypting claim 1 , further comprising:receiving a certificate from the card reader;sending the certificate to the server, where the server verifies a signature of the certificate; andreceiving a verification of the certificate from the server.8. The method of claim 1 , where prior to sending the unique identification code to the server claim 1 , ...

System and methods for using limit-use encrypted code to transfer values securely among users

A system and method for facilitating a secured value transfer. A first user and the system obtain a pair of encryption and decryption apparatuses. The first user creates a request including his unique identifier and a value to be transferred. The first user encrypts the request using the encryption apparatus and sends it to the second user. The second user sends to the system the request and the second user's unique identifier. The system uses the decryption apparatus to decrypt the request. The system checks the usage of the request against a threshold limit. After a successful usage check, the system then transfers the value from the first user to the second user. The system may comprise (a) a plurality of system server for exchanging data with users' personal computing devices, registering users, and conducting transactions, and (b) data storages storing user accounts and other persistent data.

AUTHORIZATION OF CARDLESS PAYMENT TRANSACTIONS

A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization. 151-. (canceled)52. A method of conducting a transaction between a customer and a merchant , comprising:inputting, by a customer, into a mobile device of the customer, permission for personal identifying information of the customer to be displayed at a merchant's point-of-sale (POS) device when the mobile device is in proximity to the merchant;upon receiving the permission and the mobile device being in proximity to the merchant, displaying the identifying information of the customer within a customer display area of a display of the merchant's POS device, the customer display area including identifying indicia of at least one customer located proximate to the merchant, the personal identifying information including at least a customer name of the customer;receiving, by the merchant, a request from the customer to enter into a financial transaction with the merchant;receiving, by the merchant, a verbal communication of the customer's name from the customer;receiving, at the merchant's POS device, a selection from the merchant of the customer's personal identifying information from the customer display area, the selection confirming that the financial transaction is to be associated with the ...

AUTHORIZATION OF CARDLESS PAYMENT TRANSACTIONS

A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization. 1. A method of processing a transaction between a customer and a merchant , comprising:receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant;receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant;after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer;receiving data indicating a transaction between the customer and the merchant; andsubmitting the transaction to a financial service for authorization.251-. (canceled) This application is a continuation of U.S. patent application Ser. No. 13/683,841, filed Nov. 21, 2012, which claims the benefit under 35 U.S.C. §119(e) of U.S. Patent Application No. 61/563,022, filed Nov. 22, 2011, each of which is incorporated herein by reference in its entirety.This disclosure relates to cardless payment transactions.In a conventional point-of-sale electronic credit card ...

METHOD FOR ONLINE PAYMENT, AND SYSTEM AND ELECTRONIC DEVICE FOR IMPLEMENTING THE SAME

In a method for online payment, a seller-end electronic device allows a user input of an account number and payment information associated with a transaction, and transmits the same to a transaction platform. A buyer-end electronic device transmits a payment authorization signal to the transaction platform. The transaction platform transmits the payment information to the buyer-end electronic device. The buyer-end electronic device allows input of a personal identification number (PIN), and transmits a confirm signal to the transaction platform. The transaction platform is configured to communicate with a bank terminal to process a payment for the transaction. 1. A method for online payment , to be implemented by an online payment processing system including a buyer-end electronic device , a seller-end electronic device and a transaction platform coupled to the buyer-end electronic device , the seller-end electronic device and a bank terminal , said method comprising the following steps of:(a) configuring the seller-end electronic device to receive a buyer account number associated with the buyer-end electronic device and payment information associated with a transaction between users of the buyer-end and seller-end electronic devices;(b) configuring the seller-end electronic device to transmit the payment information and the buyer account number to the transaction platform;(c) configuring the buyer-end electronic device to transmit a payment authorization signal to the transaction platform, the payment authorization signal including the buyer account number;(d) when it is determined by the transaction platform that the buyer account numbers, which are received respectively from the seller-end electronic device in step (b) and from the buyer-end electronic device in step (c), correspond to each other, configuring the transaction platform to transmit the payment information to the buyer-end electronic device;(e) configuring the buyer-end electronic device to instruct ...

METHOD AND A SYSTEM FOR SECURING FINANCIAL TRANSACTION

The present disclosure is related to a method for securing financial transaction. The method includes encrypting transaction information on a server upon receipt of said information from a computing device Encoding the encrypted transaction information into a predefined image pattern and transmitting the encoded image to the computing device The method further includes scanning the image displayed on the computing device from user's mobile device to decode the scanned image and to decrypt the transaction information. The method also includes prompting the user upon successful decryption to enter Personal Identification Number (PIN) into the mobile device to generate a unique signature. Finally, the user enters the signature on the computing device for validation of said signature by the server to secure the financial transaction. 1. A method for securing financial transaction comprising acts of:encrypting transaction information on a server upon receipt of said information from a computing device;encoding the encrypted transaction information into a predefined image pattern and transmitting the encoded image to the computing device;scanning the image displayed on the computing device from user's mobile device to decode the scanned image and to decrypt the transaction information;prompting the user upon successful decryption to enter Personal Identification Number (PIN) into the mobile device to generate an unique signature; andentering the signature on the computing device for validation of said signature by the server for the secure financial transaction.2. The method as claimed in claim 1 , wherein the predefined image pattern is selected from at least one of bar code quick response (QR) code.3. The method as claimed in claim 1 , wherein the image is scanned using a camera of the mobile device.4. The method as claimed in claim 1 , wherein the encrypted transaction information is decrypted by a mobile application implemented within the mobile device.5. The method ...

HUB AND SPOKES PIN VERIFICATION

A method for conducting PIN authorized EMV payments using an ordinary mobile phone. The credit card payment is conducted using a merchant's device comprising a card reader and a mobile phone a payment server and a buyer's mobile phone. A PIN entry request is sent from the merchant's device to the buyer's device via the payment server. A secure application in the buyer's device is executed and a PIN code may be entered securely. The entered PIN code is either verified, via the payment server, against the credit card in said merchant's device or against a bank server. Thus, secure credit card payments can be performed using an ordinary unsecure mobile device's. 1. A method of conducting electronic credit card payments to a payment acquirer using a merchant's device , comprising a card reader and a mobile phone , a buyer's mobile device and a payment server , wherein said method comprising:initiating an electronic credit card payment transaction by executing a payment application in said merchant's device;entering sales information in said merchant's device;entering a credit card into said card reader of said merchant's device;entering buyer identification information and generating an PIN entry request in said merchant's device;transmitting an encrypted purchase message from said merchant's device to a payment server, wherein said encrypted purchase message comprising at least one of sales information, buyer identification information, PIN entry request and encrypted credit card information read from said credit card in said card reader;receiving and decrypting said encrypted purchase message in said payment server;determining buyer's contact information using said buyer's identification information in said decrypted encrypted purchase message;transmit a PIN code request to a buyer's mobile device based on said buyer's contact information;receiving said PIN code request in said buyer's mobile device, and launching a secure PIN entry application in said buyer's mobile ...

Method and System for Securing Payment Transactions

A method for facilitating the widespread use of the PIN-Debit payment method for Internet “eCommerce” and mobile payments sales which requires little or no change for the cardholders, merchants, debit networks and card issuers based primarily on the introduction of a layer of middleware and wherein the Debit Networks and Issuing Banks may customize the implementation of the services based on individual strategy and cardholder preferences. 118-. (canceled)19. A method for processing a secure payment transaction conducted at a location operated by a merchant comprising the steps of:receiving from a consumer in connection with a registration event, a mobile PIN and a card number associated therewith, the mobile PIN and the card number received at a secure payment service computing device;in association with the registration event, receiving, at the secure payment service computing device from an issuer bank, an issuer PIN associated with the card number;receiving payment data at a payment acquirer computing device, the payment data received from a device at the location operated by the merchant, the payment data comprising the card number;analyzing the payment data with the payment acquirer computing device to identify the payment data as associated with a transaction requiring the mobile PIN; communicating an approval request to a mobile telephone of the consumer;', "after receiving an approval response from the consumer's mobile telephone, the secure payment service computing device adding the issuer PIN to the payment data, and transmitting the payment data and the issuer PIN to a secure payment network for processing; and", 'after transmitting the payment data and the issuer PIN to the secure payment network for processing, the secure payment service computing device transmitting a payment confirmation to the merchant., 'upon identifying the payment data as requiring the mobile PIN, forwarding the payment data from the payment acquirer computing device to the ...

Mobile device pay method

The present invention relates to a micropayment transaction technology, more particularly, the present invention relates to a mobile device payment method, which is able to control consumption and enhance transaction security for buyer. The present invention is able to process payment by letting the buyer register personal account number in a transaction platform in advance via a mobile device and generating a numbered account after verification for later prepay consumption. Thus, the numbered account and the mobile device are applied for user's personal identification. Thus the user is able to control consumption efficiently, and the prepayment or the consumption both need identification to prevent credit card from been stolen or leaked out and fraud financial transaction, and the transaction security is highly increased.

FINANCIAL TRANSACTIONS WITH A VARYING PIN

The present invention provides a financial transaction facilitating device for facilitating a financial transaction at an ATM, point of sale station, via the Internet or to login to a financial account by generating a PIN in response to a correct biometric identifier being supplied. Also provided are a financial transaction processing facility, a method of facilitating a financial transaction and a method of processing a financial transaction. 1. A financial transaction facilitating device for facilitating a financial transaction comprising:an electronic processing device;a data storage unit;an input device operable by a transactor for inputting a request for a PIN;a biometric identifier input device for inputting a biometric identifier of the transactor;a verifying unit for verifying a biometric identifier provided, in use, by the transactor;a PIN generator for generating a PIN if the inputted biometric identifier is verified;and an output device for supplying the PIN to the transactor.2. The financial transaction facilitating device of claim 1 , wherein the biometric identifier is selected from the group consisting of a sound signal claim 1 , a visual signal claim 1 , and a fingerprint.3. The financial transaction facilitating device of claim 1 , wherein the biometric identifier is a sound signal claim 1 , and wherein the biometric identifier input device comprises a microphone.4. The financial transaction facilitating device of claim 3 , wherein the sound signal is a voice message comprising a pass phrase or free speech.5. The financial transaction facilitating device of claim 1 , wherein the biometric identifier is a visual signal claim 1 , and wherein the biometric identifier input device comprises a camera.6. The financial transaction facilitating device of claim 5 , wherein the visual signal is a representation of the transactor.7. The financial transaction facilitating device of claim 1 , wherein the biometric identifier is a fingerprint claim 1 , and ...

NEAR FIELD CONTACTLESS SYSTEM AND METHOD FOR ONLINE TRANSACTIONS

Systems, methods, and apparatuses are directed to conducting online transactions by virtue of a near field communication (NFC) reading mechanism configured to contactlessly read NFC-compliant provisioning information including a monetary value. Moreover, logic is configured to initiate establishment of a communication link, automatically send a request message to confirm the read provisioning information via the communication link, store at least a portion of the provisioning information in a secure memory unit, and based on the confirmation of the provisioning information, automatically present on a display unit, the monetary value, selectable transaction options, and an online information resource link to accommodate execution of a selected transaction option. 1. An electronic device , comprising:a display unit;a secure memory unit;a near field communication (NFC) reading mechanism configured to contactlessly read NFC-compliant provisioning information including a monetary value; and initiate establishment of a communication link,', 'automatically send a request message to confirm the read provisioning information via the communication link,', 'store at least a portion of the provisioning information in the secure memory unit, and', 'based on the confirmation of the provisioning information, automatically present on the display unit, the monetary value, selectable transaction options, and an online information resource link to accommodate execution of a selected transaction option., 'logic configured to2. The electronic device of claim 1 , further comprising an input device configured to enter a selection of a transaction option and a PIN code.3. The electronic device of claim 1 , wherein the NFC-compliant provisioning information comprises one or more of the following: concealed NFC ID data claim 1 , retailer data claim 1 , retailer URL access data associated with the online information resource interface claim 1 , monetary value data claim 1 , account data claim ...

AUTOMATED TELLER MACHINE WITH AN ENCRYPTING CARD READER AND AN ENCRYPTING PIN PAD

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account. 1. A non-transitory , tangible computer readable medium of instructions with computer readable instructions stored thereon for execution by a processor , and when executed operable to:obtain data associated with a financial account encrypted by a first key;decipher the data associated with the financial account encrypted by the first key;obtain data representative of a personal identification number (PIN) associated with the financial account;encrypt the data associated with the financial account and the PIN with a second key; andtransmit the data associated with the financial account and the PIN encrypted that were encrypted with the second key to a host computer.2. The computer readable medium of claim 1 , further operable to receive a request to dispense cash from the financial account; andtransmit the request to dispense cash from the financial account to the host computer.3. The computer readable medium set forth in claim 2 , further operable to provide instructions to a cash dispenser to dispense cash responsive to obtaining authorization from the host computer to dispense cash.4. The computer readable medium set forth in claim 1 , ...

SECURING PERSONAL IDENTIFICATION NUMBERS FOR MOBILE PAYMENT APPLICATIONS BY COMBINING WITH RANDOM COMPONENTS

Systems and methods can secure personal identification numbers associated with secure elements within mobile devices. A host application of the mobile device can receive a personal identification number (PIN) or user PIN from a user. The application can generate one or more random PIN components. The application can compute a PIN for the secure element based upon the user PIN and each of the one or more random components. The SE can be configured using the PIN computed for the secure element. Each of the one or more random components may be stored in one or more distinct, diverse locations. In addition to entering the correct user PIN, each of the one or more random components must be retrieved from the diverse locations in order to reconstruct the PIN for the secure element whenever performing a transaction using the secure element. 1. A computer-implemented method for securing personal identification numbers , the method comprising:receiving, by a computing device and from a user of the computing device, a user personal identification number (PIN) for a secure memory associated with the computing device;generating, by the computing device, at least one random PIN component;storing, by the computing device, the at least one random PIN component in at least one distinct location, wherein the at least one distinct location comprises a host memory of the computing device.determining, by the computing device, a secure memory PIN based at least in part on the user PIN and the at least one random PIN component; andconfiguring, by the computing device, the secure memory associated with the computing device using the secure memory PIN.2. The computer-implemented method of claim 1 , further comprising:receiving, by the computing device, a second user PIN in association with a request to access the secure memory associated with the computing device;retrieving, by the computing device, the at least one random PIN component from the at least one distinct location;determining, ...

TOKEN PROCESSING WITH SELECTIVE DE-TOKENIZATION FOR PROXIMITY BASED ACCESS DEVICE INTERACTIONS

A method includes providing an initial communication, by an access device to a user device. The access device can receive the user identifier and the access token and receive a secret associated with the user. The access device can determine, using the user identifier and/or the access token, if the transaction is authorized by an authorizing entity computer associated with the access device or by an authorizing entity not associated with the access device. If the transaction is authorized by the authorizing entity computer associated with the access device, the access device can transmit an authorization request message comprising the user identifier, the secret, and the access token to the authorizing entity computer. The authorizing entity computer validates the secret, retrieves a real credential of the user using the user identifier, and authorizes the transaction. 1. A method comprising:providing, by an access device to a user device associated with a user in a transaction, an initial communication;responsive to providing the initial communication, receiving, by the access device from the user device, a user identifier and an access token;receiving, by the access device, a secret associated with the user;determining, by the access device, using the user identifier and/or the access token, if the transaction is authorized by an authorizing entity computer associated with the access device or by an authorizing entity not associated with the access device;if the transaction is authorized by the authorizing entity computer associated with the access device, then transmitting an authorization request message comprising the user identifier, the secret, and the access token to the authorizing entity computer, wherein the authorizing entity computer validates the secret, retrieves a real credential of the user using the user identifier, and authorizes the transaction; andif the transaction is not associated with the authorizing entity computer, then transmitting the ...

DISTRIBUTED PAYMENT SYSTEM AND METHOD

The present invention provides a payment system that allows a mobile communications device (MCD) to interact with a merchant processing device (MPD) and a payment engine. A communications component associated with the payment engine can send requested barcodes to the MPD, receive barcodes or alphanumeric Universal Product Codes from customer MCDs, and handle payment authorizations and settlements. A barcode management component can generate and interpret barcodes based upon merchant offerings and client requests. A security algorithms component can employ an offset pair algorithm to convert each digit from a payment card information into an offset pair of digits to facilitate security in accordance with one embodiment of the present invention. 118.-. (canceled)19. A computer-assisted method performed by a merchant processing device , the method including:requesting a machine readable code from a payment system, wherein the machine readable code is associated with one or more products for purchase;receiving the machine readable code from the payment system;displaying the machine readable code to a mobile communications device operated by a customer, wherein the mobile communications device obtains and transmits the machine readable code to the payment system, and the payment system requests a personal identifier from the customer and verifies the personal identifier; andreceiving an authorization message from the payment system indicating that the customer is authorized to purchase the one or more products after the payment system verifies the personal identifier.20. The method of wherein the mobile communications device is a mobile phone.21. The method of wherein the machine readable code comprises a merchant identifier claim 19 , identifiers of the items purchased claim 19 , a total transaction amount claim 19 , sales tax being charged on the transaction claim 19 , or a transaction identifier.22. The method of wherein the machine readable code comprises the ...

Personal Identification Number at Account Level

A system and method provide access to financial accounts. In one embodiment, a PIN at account level system includes a PIN assigned to a financial account. The PIN is different from a PIN of another financial account. The PIN at account level system further includes allowing access to the financial account by confirmation of the PIN assigned to the financial account when the PIN is provided. 1. A PIN at account level system , comprising:a PIN assigned to a financial account, wherein the PIN is different from a PIN of another financial account; andwherein the system allows access to the financial account by confirmation of the PIN assigned to the financial account when the PIN is provided.2. The PIN at account level system of claim 1 , wherein the PIN comprises a number claim 1 , a letter claim 1 , a punctuation mark claim 1 , a symbol claim 1 , or any combinations thereof.3. The PIN at account level system of claim 1 , further comprising a card linked to the financial account claim 1 , wherein the PIN allows access to the financial account by the card.4. The PIN at account level system of claim 3 , wherein the card comprises a physical card or a virtual card.5. The PIN at account level system of claim 3 , wherein the card comprises a combi-card linked to at least one additional financial account.6. The PIN at account level system of claim 5 , wherein each financial account has a PIN that is different from the PIN of another financial account.7. The PIN at account level system of claim 3 , wherein the card has more than one PIN associated with the card and that which is associated with the financial account.8. The PIN at account level system of claim 7 , wherein the financial account comprises a true balance claim 7 , and wherein a first PIN provides access to the true balance for the financial account.9. The PIN at account level system of claim 8 , wherein another PIN provides access to a different balance for the financial account from that of the true balance.10. ...

AUTOMATED DEVICE ASSISTANCE

A user may perform activities at an automated device having various technical features, such as a display, a printer, a camera, a microphone, a speaker, and other features used to perform activities at the automated device. During performance of an activity, the user may run into an issue and request assistance from an agent having a computing device (e.g., a portable computing device). Additionally or alternatively, the automated device may detect the issue and send a request for assistance to a computing device managing a transaction assistance portal or directly to the agent's computing device. The request may identify the user, the activity, and/or the issue, and the agent and his or her computing device may be used to resolve the issue. The agent's computing device may also be used to facilitate customer relationship management with the user. 1. A method , comprising:authenticating a customer at an automated device based on a card and a PIN, or based on an identifying document;determining, based on the authenticating, a profile for the customer stored in a database;retrieving, from the profile, information identifying a plurality of accounts of the customer;granting a transaction assistance computing device access to information from the plurality of accounts based on the information identifying the plurality of accounts; andgenerating for display on a display of the transaction assistance computing device the information from the plurality of accounts.2. The method of claim 1 , wherein the authenticating is based on the card and the PIN claim 1 , and wherein the card is associated with a single account of the plurality of accounts of the customer.3. The method of claim 1 , further comprising:responsive to authenticating the customer at the automated device, granting the customer access to the plurality of accounts at the automated device.4. The method of claim 1 , wherein the authenticating is based on the identifying document claim 1 , and wherein the ...

SECURE FINANCIAL TRANSACTION USING PLAIN TEXT SMS

Methods and apparatus, including computer program products, are provided secure payments. In one aspect there is provided a method. The method may include initiating, by an application at a user equipment, generation of a short message service message to carry at least financial transaction information; generating, in response to the initiating, a plaintext descriptor portion and an encrypted portion, wherein the plaintext descriptor portion provides a plaintext representation of the financial transaction information carried by the short message service message, and wherein the encrypted portion includes the financial transaction information in an encrypted form; and sending, via the short message service message, the plaintext descriptor portion and the encrypted portion. Related apparatus, systems, methods, and articles are also described. 1. A method comprising:initiating, by an application at a user equipment, generation of a short message service message to carry at least financial transaction information;generating, in response to the initiating, a plaintext descriptor portion and an encrypted portion, wherein the plaintext descriptor portion provides a plaintext representation of the financial transaction information carried by the short message service message, and wherein the encrypted portion includes the financial transaction information in an encrypted form; andsending, via the short message service message, the plaintext descriptor portion and the encrypted portion.2. The method of claim 1 , wherein the application comprises a mobile payment application.3. The method of claim 1 , wherein the initiating is performed in response to a data connection being unavailable or not allowed at the user equipment.4. The method of claim 1 , wherein the encrypted financial transaction information includes at least one of account information claim 1 , a card number claim 1 , a personal identification number (PIN) claim 1 , or cardholder information.5. The method of ...

SECURE PAYMENT MADE FROM A MOBILE DEVICE THROUGH A SERVICE PROVIDER

Methods and systems enable merchants to accept payments through a service provider from a consumer using an app on a mobile device, for example, without redirecting the consumer to the service provider and without collecting the customer's service provider password (a separate PIN may be used). An example of an app on a mobile device is given, but secure payments are also enabled for purchases and other transactions for a website, a merchant, or a service provider who needs to accept payments from customers. A two-key approach allows a merchant, using the two keys—a collection key for merchant apps and general servers and a private, more secure, charge key for merchant “back-end” systems—to collect a user's username and personal identification number (PIN) for acquiring payments through a service provider without compromising the user's service provider username and password (the PIN is distinct from the password). 1. A service provider system , comprising:a non-transitory memory storing a user credential for a user, a first key, a second key, and an authorization; and receiving the user credential from a merchant device corresponding to a merchant, wherein the user credential is transmitted using the first key previously provided to the merchant device;', 'verifying that the first key used to transmit the user credential is associated with the merchant;', 'providing the authorization to the merchant device based on the user credential and the first key;', 'receiving the authorization from the merchant device, wherein the authorization is transmitted using the second key previously provided to the merchant device; and', 'processing a transaction between the user and the merchant based on the first key and the second key both corresponding to the merchant., 'one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform the steps of2. The system of claim 1 , ...

Authentication Methods and Systems

The invention provides a solution for secure authentication of an individual. The invention comprises methods and apparatus for secure input of a user's identifier e.g. PIN. An image of a keypad is superimposed over a scrambled, operable keypad within a display zone of a screen associated with an electronic device. The keypad image depicts a non-scrambled keypad, in that the keys depicted in the image are in an expected or standardised formal or order. The difference in positions of the keys depicted in the image, and those in the operable keypad, provides a mapping which enables an encoded form of the identifier to be generated, such that the un-encoded version is never stored in the device's memory. Preferably, the image depicts a keypad which is standard for the device which it is being shown on. The device may be a mobile phone, a tablet computer, laptop, PC, payment terminal or any other electronic computing device with a screen. The underlying keypad, which is at least partially obscured from the user's view by the image, may be generated at run time by a procedure call. Preferably, this procedure is native to the device ie part of a library which is provided as standard with the device.

Payment System and Methods

Disclosed are payment system and methods in which a shopper pays with a temporary payment token that is a number (such as a 7-digit number that appeared on the screen of the shopper's mobile phone) at a POS device, without the shopper needing have his own mag-stripe card. 1. A payment system , comprising:a consumer-side mobile device;a pin pad;a point-of-sale (POS) device connected to the pin pad;a merchant-side magnetic stripe card, wherein the card is reusably swipable by personnel of a merchant through the POS device; wherein the merchant-side magnetic stripe card has a physical location staying near the POS device under control of a cashier or other merchant-side personnel assigned to work in an immediate vicinity of the POS device;a temporary token generator that performs a step of generating a temporary token consisting of characters each of which is a button on the pin pad;a mobile application server that performs a step of transmitting the temporary token to the consumer-side mobile device.2. The payment system of claim 1 , wherein the consumer-side mobile device at no time is connected to claim 1 , or in electronic communication with claim 1 , the POS device.3. The payment system of claim 1 , further comprising a plurality of consumer-side mobile devices.4. The payment system of claim 1 , further comprising a plurality of merchant-side magnetic stripe cards.5. The payment system of claim 4 , comprising a plurality of POS devices.6. The payment system of claim 1 , comprising a processor that performs a step of receiving incoming data from a consumer mobile device that is an email address and a PIN entered by the consumer.7. The payment system of claim 6 , wherein the temporary token generator performs a step of generating a temporary token after having received the email address and the PIN sent by the consumer mobile device.8. The payment system of claim 7 , wherein the consumer-side communications system sends the temporary token to a screen of the ...

Method and System of Validating Cash Transactions

A method and system of validating cash transactions which comprises capturing a unique identifier of a banknote, storing the unique identifier against a user identity of a user; and upon receiving the banknote as tender for payment, checking the unique identifier of the banknote against the user identity, requesting an authorization for release of the banknote for payment, and in response to receiving a successful authorization, transmitting an accept banknote message and in response to a failed authorization, transmitting a decline banknote message. 1. A method of validating a cash transaction at a cash validation server of a cash transaction validation system , comprising:capturing a unique identifier of a banknote of a user;storing the unique identifier of the banknote against a user identity of the user in a database connected to the cash validation server;checking the unique identifier of the banknote against the user identity stored in the database when the banknote is received as tender for payment at a receiving Cash Processing Terminal (CPT);requesting an authorization from the user to release the banknote for payment;transmitting an accept banknote message to the receiving CPT when a successful authorization is received andtransmitting a decline banknote message to the receiving CPT when a failed authorization is received.2. The method of claim 1 , wherein checking the unique identifier of the banknote against the user identity stored in the database comprises electronically receiving the unique identifier at a client-side cash validation application installed on the receiving CPT and transmitting the unique identifier to a server-side cash validation application installed on the cash validation server.3. (canceled)4. The method of claim 1 , wherein the receiving CPT comprises a merchant Point of Sale (POS) terminal.5. The method of claim 1 , wherein requesting an authorization from the user comprises receiving the authorization from a front-end user ...

Cryptographic Authentication And Identification Method Using Real-Time Encryption

A method for securing data and safeguarding its origin, in which the data are transmitted from a customer device to a center in an encrypted manner using digital keys and certificates. The encryption includes the steps of generating several key pairs at a center and transmitting keys, key-encrypted keys, and encrypted data to a customer device. The customer device is afterwards able to transmit data encrypted by a safe key to the center. The data may be a PIN code. 1. A method for securing data and safeguarding the data origin , wherein the data are transmitted electronically encrypted from a customer device to a center , comprising the steps of:i) generating and storing in memory an RSA key pair, comprising a first key (Sa) and a second key (Pa), for signing customer certificates in the center;ii) generating and storing in memory two RSA key pairs for the customer device, comprising a third key of the customer device (Sc) and a fourth key of the customer device (Pc) as well as a first key encryption key (St) and a second key encryption key (Pt), the first key encryption key (St) and the second key encryption key (Pt) being suitable for secure transportation of the third key of the customer device (Sc);iii) generating an encrypted key by encrypting the third key of the customer device (Sc), using the second key encryption key (Pt), and generating a customer certificate in the center by encrypting the customer-specific telephone number and the IMEI of the customer device and/or a customer number, using the fourth key of the customer device (Pc), and ensuing encryption using the first key (Sa) for signing customer certificates;iv) transmitting the encrypted key and the customer certificate to the customer device;v) sending the first key encryption key (St) to the customer device in response to a request by the customer device;vi) decrypting the encrypted key using the first key encryption key (St) in the customer device, whereupon the third key of the customer device ...

SYSTEMS AND METHODS FOR SECURE DEBIT PAYMENT

A method for generating a personal identification number (PIN) debit child product for use in performing a debit payment transaction with a merchant entity. A payment processing platform receives a user selection of a financial institution made via a merchant payment page and directs the user to authenticate a user identity with the financial institution. The payment processing platform receives a user selection of a core account held with the financial institution, such that the core account provides financial backing for the PIN debit child product. The PIN debit child product is generated that includes a child card number and a virtual PIN associated with the core account. Advantageously, the method provides the ability to make PIN debit transaction on the Internet. 1. A computer-implemented method implemented by a payment processing platform , the method comprising:receiving, via a remote software application, a user selection of a financial institution that is separate and distinct from the payment processing platform;receiving a user selection of a core account held with the financial institution, wherein the core account provides financial backing for a personal identification number (PIN) debit child product; andgenerating the PIN debit child product, wherein the PIN debit child product is associated with the core account and includes a virtual PIN and a bank identification number (BIN), and the BIN identifies the payment processing platform as an issuer of the PIN debit child product.2. The method of claim 1 , further comprising directing a user to authenticate a user identity associated with the financial institution.3. The method of claim 2 , wherein the user identity is authenticated by extracting device data from a user machine to allow the user machine to be identified.4. The method of claim 1 , further comprising receiving a first payment transaction from a merchant entity that is initiated using the PIN debit child product.5. The method of claim 4 , ...

Frictionless Automated Teller Machine

A frictionless automated teller machine (ATM) computing system may include an ATM and an authentication server, a beacon device and, in some cases, a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the mobile device may receive the beacon signal including a command to awaken the mobile application. After receipt, the mobile application may communicate an identifier to the authentication server, and the ATM may capture an image of the user. At the application server, the user image may be authenticated and confirmation returned to the ATM. After receipt of the confirmation, the ATM may prompt the user to enter an additional identifier. Upon confirmation of the additional identifier, the ATM may dispense a specified amount of currency. 1. A computer implemented method , comprising:via a local data communications network, receiving at a mobile device, a beacon signal including a command to awaken a mobile application on the mobile device;retrieving, from a memory of the mobile device, a first user identifier associated with the user of the mobile device;communicating, via a second network, the user first identifier to an authentication server;capturing, by an automated teller machine (ATM), an image of the user of the mobile device;communicating, the image of the user to the authentication server;receiving, at the ATM, a signal including an authentication indication corresponding to the image and a command to retrieve a second user identifier;receiving, at the ATM, the second user identifier; anddispensing, by a currency dispenser of the ATM, a specified amount of currency upon authentication of the second user identifier.2. The computer implemented method of claim 1 , comprising:broadcasting, by a beacon device, a beacon signal including an activation command; andcommunicating, by the beacon device, an ATM identifier of the ATM ...

Authentication Device & Related Methods

The invention provides a portable device for input of a Personal Identification Code (PIC). It comprises a card reading component and a touch screen. The screen is arranged and configured to display a pinpad and receive a PIC upon entry by a user via the pinpad. The card reading component and the touch screen are integral to the input device. The device can comprise a mobile phone, which may have a camera. The device can be a handheld card payment terminal for use in financial transactions, where a user's PIN must be authenticated. A security mechanism may be used with the device wherein an image of a scrambled keypad is displayed over an operable keypad, this enabling the device to store an encoded version of the user's input. As the user's real PIN is never stored in the device, no bank session key needs to be stored or encrypted. This enables the terminal to be produced at a lower cost then prior art arrangements.

DIGITAL CURRENCY AND A SYSTEM AND METHOD FOR TRANSFERRING VALUE USING THE DIGITAL CURRENCY

A digital currency whose value is tied to a fiat currency or other thing of value is created in a participant's member account by the participant depositing a fiat currency or other thing of value in a common trust account maintained by a financial institution, and in which a plurality of participants make such deposits. A central authority maintains member accounts for the participants and credits to a participant's member account an international monetary unit (“IMU”) which reflects the value of each deposit that participant makes into the common deposit account. The value of a participant's IMU or IMUs is thus determined by the amount which the participant deposits in the trust account. The IMUs may be transferred between participants and the transferred IMU may be denominated in selected sovereign currencies. Alternatively, a transferee participant may redeem an IMU for value, e.g., for a fiat currency, in which case the IMU is retired. 1. A method of transferring value between specific participants in a network of a plurality of participants , the network being controlled by a central authority which maintains a central data processing system , the method comprising: a group of one or more participating financial institutions participating in the network and maintaining respective common deposit accounts of the central authority, into any of which deposit accounts a plurality of different participants may deposit a sovereign currency to create a common deposit account containing sovereign currency which is under the control of the central authority;', 'the first participant depositing a sum of sovereign currency as a first deposit into a first deposit account of the common deposit accounts maintained by the central authority in one or more financial institutions;', 'the financial institution which maintains the first deposit account advising the central authority of the identity of the first participant and the value of the first deposit, the central authority ...

SYSTEMS AND METHODS FOR SECURITY ALERTS

A method of including receiving a first input from a user and determining that the first input matches at least a portion of an account number associated with a user account of the user. Based on the determination the method may include requesting and receiving a second input from the user that may include a second string of numbers. The method may also include determining that the second input is a combination of a PIN associated with the user account. Based on the determination, the method may include executing a contingency action. 1. A computer-implemented method comprising:receiving a first input from a user, the first input including a first string of numbers;determining that the first string of numbers matches at least a portion of an account number associated with a user account of the user;based on the determination that the first string of numbers matches at least a portion of the account number, requesting a second input from the user;receiving the second input from the user, the second input including a second string of numbers;determining that the second string of numbers is a combination of a personal identification number (PIN) associated with the user account; andbased on the determination that the second string of numbers is a combination of the PIN, executing at least one contingency action,wherein the method is performed using one or more processors.2. The method of claim 1 , wherein the at least one contingency action includes locking access to the user account.3. The method of claim 1 , wherein the at least one contingency action includes alerting a law enforcement entity of potential criminal activity related to the user.4. The method of further comprising reporting a user location to the law enforcement entity.5. The method of claim 1 , wherein the at least one contingency action includes limiting funds available for withdrawal from the user account.6. The method of further comprising:executing a first contingency action upon determining that ...

Method and smart card adapted for progressive fingerprint enrollment

The present invention relates to a method for progressively enrolling a user of a smart card, specifically applying a multi-step activation process for enabling fingerprint authentication for the smart card. The invention also relates to a corresponding smart card and to a computer program product. The present invention provides a solution for seamless fingerprint enrollment for a smart card user.

METHODS AND SYSTEMS FOR AUTHORIZING A REAL-TIME TRANSACTION WITH A THIRD PARTY PLATFORM

Systems and methods for authorizing a real-time transaction with a third party platform (TPP). The system includes a memory that stores instructions for authorizing the real-time transaction with the TPP. The system also includes a processor configured to execute the instructions. The instructions cause the processor to: generate a tokenized personal identification number (PIN) based on a request to register with the TPP, the request including a customer PIN and an authorization token; transmit the tokenized PIN and the authorization token to the TPP, wherein the TPP stores the tokenized PIN and the authorization token; in response to receipt, at the TPP, of a request for the real-time transaction from a customer, receive the tokenized PIN from the TPP; decrypt the tokenized PIN to extract the customer PIN; and transmit instructions including the customer PIN to a service provider, the instructions comprising a command to provide access to a vehicle. 1. A system comprising:a memory that stores instructions for authorizing a real-time transaction with a third party platform (TPP); and generate a tokenized personal identification number (PIN) based on a request to register with the TPP, the request including a customer PIN and an authorization token;', 'transmit the tokenized PIN and the authorization token to the TPP, wherein the TPP stores the tokenized PIN and the authorization token;', 'in response to receipt, at the TPP, of a request for the real-time transaction from a customer, receive the tokenized PIN from the TPP;', 'decrypt the tokenized PIN to extract the customer PIN; and', 'transmit instructions including the customer PIN to a service provider, the instructions comprising a command to provide access to a vehicle., 'a processor configured to execute the instructions, wherein the instructions cause the processor to2. The system of claim 1 , wherein generating the tokenized PIN comprises encrypting the customer PIN.3. The system of claim 2 , wherein ...

Point of Sale Payment Method

The present disclosure describes making a payment transaction between a customer and a merchant using a payment card of the customer including: transmitting details of the payment transaction from a mobile device to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts of the customer and the merchant. 116.-. (canceled)17. A first device comprising:one or more processors; andmemory communicatively coupled to the one or more processors, the memory storing instructions which, when executed by the one or more processors, cause the one or more processors to perform operations comprising:during a video communication between the first device and a second device that is remote from the first device, receiving, by the first device and transmitted from the second device, at least one image of a payment card being used in a payment transaction, the at least one image being recorded and transmitted in real time by way of the video communication only until a real time response is received by the second device indicating recognition, by the first device, of the payment card based on a correspondence between the at least one transmitted image and at least one pre-registered and stored image of the payment card that is accessed by the first device;receiving, by the first device and transmitted from the second device during the video communication with the first device, additional transaction information associated with the payment transaction;transmitting, to the second device during the video communication and based on the recognition of the payment card and the transmitted additional transaction information, processing information associated with processing the payment transaction ...

Real-Time Video Call Application for Buyers and Sellers

This Invention includes unique Ecommerce application features. The features include a Real-Time Video Call between buyers and sellers. Live Stream feature that enables sellers showcase their products and services in a live video with the public. An Online Appointment Setup feature for Video Call to enable sellers choose when to be reached for a video call by buyers. Transportation Category that solves everyday Ecommerce logistic issue with transporting large items. Accountability Feature for missed physical meet-ups. Pin Code System feature for Physical Appointments to ensure smooth and safe transactions for both buyers and sellers and for accurate tracking of all successful transactions initialed from the Ecommerce application.

METHOD AND SYSTEM FOR FACILITATING PAYMENT CARD BASED FINANCIAL TRANSACTIONS

A method and system for facilitating payment card based financial transactions are provided. A server system associated with a payment network receives an input provided by a user using an electronic device. The input is capable of uniquely identifying the user. The server system is configured to retrieve information related to one or more payment cards linked with the user if the user is successfully identified using the input. Subsequent to successful identification of the user, a prompt is displayed on the electronic device for seeking selection of a payment card for executing a financial transaction from the user. The server system receives a user selection of a payment card from among the one or more payment cards and facilitates processing of the financial transaction based on the user selection of the payment card. 1. A computer-implemented method , comprising:receiving, by a server system associated with a payment network, an input provided by a user using an electronic device, the input capable of uniquely identifying the user;if the user is successfully identified at the server system using the input, retrieving information related to one or more payment cards linked with the user by the server system, each payment card from among the one or more payment cards capable of facilitating at least one financial transaction;receiving, by the server system, a user selection of a payment card from among the one or more payment cards for executing a financial transaction, the user selection provided by the user in response to a prompt displayed on the electronic device for seeking selection of a payment card from the user, the prompt displayed subsequent to successful identification of the user; andfacilitating, by the server system, processing of the financial transaction based on the user selection of the payment card.2. The method as claimed in claim 1 , further comprising facilitating by the server system:creation of a user account with the payment network by ...

Managed Integrated Payment Environment

Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed. 1. A method of performing a payment transaction , comprising:receiving transaction data from a point-of-sale terminal, by a PIN pad terminal;receiving tender from a customer, by the PIN pad terminal;sending tender data based on the tender and the transaction data to a service gateway, by the PIN pad terminal, wherein the service gateway collects metadata from the tender data and the transaction data; andsending the tender data by the PIN pad terminal to the point-of-sale terminal, wherein the point-of-sale terminal sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data.2. The method of claim 1 , wherein the PIN pad terminal comprises at least one processing device and memory claim 1 , wherein the at least one processing device:derives a bank identification number from the tender data, by the at least one processing device;searches a bank identification number file correlating bank identification numbers with card brands and issuing banks that is stored in memory of the PIN pad terminal, for the bank identification number;associates the bank identification number with the ...

METHOD FOR PROCESSING AN AUTHORIZATION TO IMPLEMENT A SERVICE, DEVICES AND CORRESPONDING COMPUTER PROGRAM

A method for processing, by a processing entity, of an authorization to implement a service and/or access an item. The method includes: reception, from a requesting device, of a request for implementing a service and/or accessing an item; searching for an indicator of dependency from at least one piece of data of said request for implementation; when an indicator of dependency is present, obtaining an authorization from a verification device to implement said service and/or access said item. 1. A method comprising:processing by a processing entity an authorization to implement a service and/or access an item, comprising:receiving, from a requesting device, a request for implementing said service and/or accessing said item;searching for an indicator of dependency from at least one piece of data of said request for implementing; andwhen an indicator of dependency is present, obtaining an authorization from a verification device to implement said service and/or access said item.2. The method according to claim 1 , obtaining authorization claim 1 , from a verification device claim 1 , to implement said service and/or to access said item comprises:obtaining a piece of data representing a verification device from which authorization must be requested;transmitting a notification to the verification device from which said authorization must be requested; andmaking a decision to issue an authorization according to a piece of data or an absence of data received from the device.3. The method according to claim 2 , wherein the decision to issue authorization according to a piece of data or an absence of data received from the device comprises receiving:either an authorization, comprising an entry into the verification device, of a piece of information liable to be compared with a piece of reference information; a specific rejection, transmitted in a response to the above-mentioned notification; or', 'an absence of a response within an allotted time., 'or an absence of ...

Virtual Assistant Host Platform Configured for Interactive Voice Response Simulation

Aspects of the disclosure relate to using machine learning to simulate an interactive voice response system. A computing platform may establish a virtual assistant session with a mobile banking application executing on a mobile device, which may include authenticating at least one authentication credential associated with an online banking account. The computing platform may receive an assistance message from the mobile device requesting assistance. Using a machine learning model, the computing platform may identify an intent of the assistance message. The computing platform may generate a response message based on the intent of the assistance message. The computing platform may send the response message and one or more commands directing the mobile device to output an audio response file based on the response message to the mobile device, which may cause the mobile device to convert the response message into the audio response file and output the audio response file.

DEVICE WITH BUILT-IN BILL CAPTURE, ANALYSIS, AND EXECUTION

Systems and methods for secure and efficient bill capture, analysis, and execution are provided. A method may include capturing, via a camera embedded in a smart card, an image of a bill. The bill may include a plurality of text fields. The method may include processing the text fields via a microprocessor embedded in the smart card. The method may include determining, based at least in part on the processing of the text fields, a balance amount and a payment recipient associated with the bill. The method may also include executing a payment for the balance amount from an account associated with a user of the smart card to an account associated with the payment recipient. The executing may be performed via a wireless communication element embedded in the smart card which may be configured to provide wireless communication between the smart card and a payment gateway. 1. A platform for secure and efficient bill capture , analysis , and execution , said platform comprising a smart card that comprises:a microprocessor;a camera;a power source for the microprocessor and the camera;a wireless communication element configured to provide wireless communication between the smart card and a payment gateway; and capture, via the camera, an image of a bill, said bill comprising a plurality of text fields;', 'process the text fields of the image via a text processing module;', 'determine, based at least in part on the processing of the text fields, a balance amount and a payment recipient associated with the bill; and', 'execute a payment, over the payment gateway and for the balance amount, from an account associated with a user of the platform to an account associated with the payment recipient., 'a non-transitory memory storing computer-executable instructions, that, when run on the microprocessor, are configured to2. The platform of claim 1 , wherein claim 1 , when the payment recipient is not internally detectable from the text fields claim 1 , determining the payment ...

TECHNOLOGIES FOR ENHANCED PAYMENT TRANSACTIONS

Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel. A payment authorization response message is received from the issuer computing system via the in-band communications channel. Other embodiments are described and claimed. 122-. (canceled)23. A method for enhancing payment transactions , the method comprising:transmitting, via a debit network by an acquirer computing system to a promotion management computing system, an offer identification query comprising event-specific data corresponding to a payment authorization request message;if an offer that matches the transmitted offer identification query is stored in the promotion management computing system,receiving, via the debit network, offer redemption instructions;modifying the payment authorization request message based on the offer redemption instructions; andtransmitting, via a payment card network, the modified payment authorization request message to an issuer financial institution.24. The method of claim 23 , wherein the debit network is a communications channel out-of-band from the payment card network.25. The method of claim 23 , wherein ...

CARD ISSUING WITH RESTRICTED VIRTUAL NUMBERS

Various embodiments are directed to applying, via contactless card authentication, one or more restrictions to a virtual card number and generating the card number for use by a recipient. The one or more restrictions may be specifically personalized to the recipient and may include, for example, a merchant restriction, an amount restriction, a time period restriction, or a location restriction. The generated virtual card number along with the applied one or more restrictions may be consumed in various ways, such as writing the number to a blank card, transmitting the number directly to the recipient's computing device, etc., all via near-field communication. 120-. (canceled)21. An apparatus , comprising:a display device;near field communication (NFC) circuitry configured to communicate data;memory configured to store instructions; detect an indication to generate a virtual card number;', 'cause a prompt to display on the display device, the prompt to prompt a user to provide a contactless card on a surface of the apparatus or within a distance of the apparatus to communicate in accordance with NFC;', 'detect, via the NFC circuitry, the contactless card;', 'receive, via the NFC circuitry, a cryptogram from the contactless card, the cryptogram comprising identifying information to authenticate the user;', 'send the cryptogram to one or more remote devices to authenticate the user;', 'receive a second indication from the one or more remote devices that authentication of the user is successful;', 'determine, in response to authentication of the user, the virtual card number; and', 'send the virtual card number to another contactless card or to a remote device., 'processing circuitry coupled with the memory, the NFC circuitry, and the display device, the processing circuitry configured to process the instructions, that when executed, cause the processing circuitry to22. The apparatus of claim 21 , wherein the processing circuitry further configured to process the ...

Electronic transaction method and system via a portable accessory

The invention relates to a method for carrying out an electronic transaction between a main communication apparatus and a transaction terminal, wherein a smart portable accessory is provided, which has a different format from a standardized chip card format and is capable of relaying the transaction or of representing said main apparatus relative to a transaction terminal; and the transaction is carried out by only presenting said accessory, instead of the main apparatus, to the transaction terminal. The invention also relates to the corresponding system.

Cards, component modules, manual input devices, dynamic security codes and methods of forming elecronic cards

A device comprising a token creation module operable to create a token; and a payment communication device operable to communicate the token to an external device.

Cloud-based mobile payment system

Methods and devices for mobile payment are disclosed including initiating payment processes using a non-secure credential. A secure remote server may store certain sensitive data and may permit a consumer to use the data, for instance, in a retail transaction provided that the consumer can satisfy an authentication challenge. Authentication challenges may include, for instance, supplying PIN number, password, security code, or biometric data.

User Authentication

Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, a signal emitted from a beacon may be detected by a personal computing device of a user within a predefined proximity of the beacon. The location of the beacon, and the device detecting the signal, may be determined and the identity of the user associated with the device may be determined. Authentication information may be requested from the user. The request for authentication information may be transmitted to the personal computing device and the user may provide the authentication information via the device. If the received authentication information matches pre-stored authentication information, the user may be authenticated and/or authorized to conduct one or more transactions or types of transactions based on the determined location, identity, and authentication information.

SYSTEMS AND METHODS FOR SENDING PAYMENT DATA USING A MOBILE ELECTRONIC DEVICE TO TRANSACT WITH OTHER COMPUTING DEVICES

An online payment service is configured for a computing device to receive payment information from a central mobile device via wireless connection. Using an application on the central mobile device, a user's payment information, billing information, shipping information, and loyalty card information can be configured and stored on the mobile device. Online services can install a payment link for the user to select for payment. When the payment link is activated on the mobile device, it triggers the central mobile device to restore the state of the application. The payment link identifies the central mobile device by a unique mobile number. Upon confirmation, the application transfers in encrypted format the payment, billing, shipping, and loyalty card information to the computing device that made the request. The computing device then uses the information to process the payment on its own platform. A confirmation of a payment approval or decline is transmitted to the device that initiated the transaction. 1. A system comprising:a data store containing data, for each of a plurality of mobile devices, each mobile device having an association with phone number data, personal identification number data, billing address data, payment card number data, and expiration date data; anda secure transaction server communicatively coupled to the data store and programmed to:receive from a merchant server over a network a signal including activation of a link displayed on an electronic web page hosted by the merchant server;receive over the network a signal including phone number data and personal identification number data from the electronic web page; 'wherein the message comprises transaction information, and', 'transmit a message requesting confirmation of a transaction to a phone number of a mobile device in the received phone number data when a personal identification number in the received personal identification number data is authenticated upon a comparison with the data ...

MULTI-SCREEN AUTOMATED TELLER MACHINE (ATM)/AUTOMATED TELLER ASSIST (ATA) MACHINES FOR USE BY WHEELCHAIR USERS

An automated teller machine (ATM) including multiple user screens is provided. The ATM preferably includes an ATM processor, an ATM user information input device and/or an ATM receiver, a customer-facing ATM touch screen configured to display an initial ATM display, an ATM dispenser configured to dispense a cash withdrawal amount in the event that an ATM central processing unit (CPU) receives information relating to a selection of the cash withdrawal amount. The ATM may further include a second, customer-facing, touch screen configured to selectably display an automated teller assist (ATA) display configured to provide a video display of a live teller located at a remote location. 1. An automated teller machine (ATM) comprising multiple user screens , the ATM comprising:a first ATM receiver configured to receive input user identification information;a first customer-facing ATM touch screen and a second customer-facing ATM touch screen, the first customer-facing ATM touch screen positioned at a first location, said first location occupies a first portion of the ATM, the second customer-facing ATM touch screen positioned at a second portion of the ATM, said second portion of the ATM is different from the first portion of the ATM;an ATM processor configured to determine if a data structure associated with the user identification information corresponds to one of either the first or the second portion of the ATM;a sensor device configured to detect the position of a user's eyes relative to the first and second customer-facing ATM touch screens, this position defines transmitted information, the sensor device is further configured to send the transmitted information to the ATM processor:the ATM processor is further configured to calculate an ideal angle and to determine which of the first and second customer-facing ATM touch screens is within the ideal angle, the ideal angle is defined as the angle at which a display screen, positioned relative to the location of a user' ...

METHODS AND SYSTEMS FOR COMMUNICATING ESTIMATED TIME OF ARRIVAL TO A THIRD PARTY

A vehicle, based on user preferences and while the vehicle is in motion: in response to identification of a first event (e.g., a third party resident being in a vehicle location and/or on the route of the vehicle) and based on the user preferences, determines that the user desires to perform a transaction with the third party, automatically sends a first communication to the third party for the user (the first communication being part of a secure session and enabling authentication of the user by the third party), at a second later time and while the vehicle is in motion, and in response to identification of a second event, automatically sends a different second communication to the third party. The second communication is part of the secure session and enables the third party to complete the transaction with the user. 120-. (canceled)21. A vehicle , comprising:a navigation system to provide a location and/or a route of the vehicle; 'store user preferences associated with a user in the vehicle, the user being an occupant of the vehicle;', 'a memory to retrieve user preferences from the memory;', 'while the vehicle is in motion, identify a first event, the first event being one or more of a third party resident in the location and/or on the route of the vehicle;', 'in response to identification of the first event and based on the user preferences, determine that the user desires to perform a transaction with the third party;', 'in response to determining that the user desires to perform the transaction, automatically send a first communication to the third party for the user, the first communication being part of a secure session and enabling authentication of the user by the third party;', 'at a second later time and while the vehicle is in motion, identify a different second event; and', 'in response to identification of the second event, automatically send a different second communication to the third party, the second communication being part of the secure ...

DYNAMIC DIGITAL CONSENT

A method for enhancing customer authentication and consent for finalizing an offer to a customer of a product and/or a service is provided. The method may include using a first receiver to receive an authentication request from an initiator. The authentication request may include a customer name and a customer phone number. The method may also include using a first processor to generate a pin number and transmit the pin number to the customer phone number. The pin number may include an identifier associated with the product and/or service. The method may further include using a second receiver, included in a mobile phone, to receive the pin number, and using a second processor, included on the mobile phone, to authenticate the pin number. The authentication may include verifying a match between the customer phone number and a mobile phone number associated with the mobile phone. 1. A method for enhancing customer authentication and consent for finalizing an offer to a customer of a product and/or service , the method comprising:using a first receiver to receive an authentication request from an initiator, the authentication request including a customer name and a customer phone number;using a first processor to generate a pin number and transmit the pin number to the customer phone number, wherein the pin number includes an identifier associated with the product and/or service;using a second receiver, included in a mobile phone, to receive the pin number;using a second processor, included on the mobile phone, to authenticate the pin number, the authentication including verifying a match between the customer phone number and a mobile phone number associated with the mobile phone; the first authentication method, the second authentication method and the consent text are each associated with the identifier;', 'the first authentication method includes a first authentication threshold and a biometric scan; and', 'the second authentication method includes a second ...

ELECTRONIC SYSTEM AND METHOD FOR MERCHANT FEEDBACK ASSESSMENT

The present disclosure generally relates to an electronic system, a method, and a non-transitory computer-readable storage medium for assessing feedback provided by consumers in relation to a merchant. The system includes a host server communicatively linked to a payment network. The host server is configured for performing steps of the method, including receiving, from a merchant server operated by the merchant, transaction datasets for a number of transactions between the merchant and the consumers, each transaction dataset including identification data of the merchant, cost data of the transaction, details of a payment instrument of the consumer, and feedback data in relation to the merchant, communicating, for each transaction, the merchant identification data, transaction cost data, and consumer payment instrument details to the payment network for processing the transaction, communicating, for each transaction, the feedback data to a merchant feedback database, and generating a feedback assessment of the merchant. 1. An electronic system for assessing feedback provided by consumers in relation to a merchant , the system comprising a host server communicatively linked to a payment network , the host server configured for performing steps comprising:receiving, via the payment network and from a merchant server operated by the merchant, transaction datasets for a number of transactions between the merchant and the consumers, each transaction dataset comprising identification data of the merchant, cost data of the transaction, details of a payment instrument of the consumer, and feedback data in relation to the merchant, the feedback data input by the consumer during the transaction;communicating, for each transaction, the merchant identification data, transaction cost data, and consumer payment instrument details to the payment network for processing the transaction;communicating, for each transaction, the feedback data to a merchant feedback database; ...

METHOD AND SYSTEM FOR BLOCKING AND UNBLOCKING MERCHANTS FOR FUTURE TRANSACTIONS

A method for establishing account controls for a transaction account through specially configured personal identification numbers includes: storing, in an account profile, an account identifier, standard personal identification number (PIN), and blocking PIN; receiving a first authorization request for a first payment transaction including the account identifier, a merchant identifier, and the blocking PIN; inserting the merchant identifier into the account profile; receiving a second authorization request for a second payment transaction including the account identifier and the merchant identifier; and transmitting an authorization response in response to the second authorization request including a response code indicating decline of the second payment transaction. 1. A method for establishing account controls for a transaction account through specially configured personal identification numbers , comprising:storing, in an account profile in an account database of a processing server, at least an account identifier, a standard personal identification number (PIN), and a blocking PIN;receiving, by a receiver of the processing server, a first authorization request for a first payment transaction formatted according to one or more standards governing exchange of financial transaction messages, where the first authorization request includes at least the account identifier, a merchant identifier, and the blocking PIN;executing, by a processing device of the processing server, a query on the account database to insert the merchant identifier into the account profile;receiving, by the receiver of the processing server, a second authorization request for a second payment transaction formatted according to the one or more standards governing exchange of financial transaction messages, where the second authorization request includes at least the account identifier and the merchant identifier; andtransmitting, by a transmitter of the processing server, an authorization ...

Systems and Methods for Authenticating Users in Connection With Mobile Operations

Systems and methods provide multi-function authentication. One exemplary method includes receiving a request to opt into multi-function authentication. A primary operation-based key is generated by the communication device, the operation-based key accessible based on authentication of the user and available for use after the authentication. The primary key is imported, by an application, into a secure key data structure, such that it is only accessible by the application. When the biometric authentication of the user is successful, the communication device transmits to an account server an indication that the user is eligible for multi-function authentication. The communication device receives a time-based secondary key from the account server, wherein the time-based key is useable only during a defined interval. The application links the secondary key to the primary key and imports the secondary key into the data structure such that it is only accessible via the primary key. 1. A computer-implemented method for enabling multi-function authentication of a user , the method comprising:receiving, by a communication device, a request from a user to opt into multi-function authentication;in response to the request, generating, by the communication device, a primary key, wherein the primary key is an operation-based key, the operation-based key accessible based on authentication of the user and available for use after the authentication;importing, by an application of the communication device, the generated primary key into a secure key data structure of the communication device, such that the primary key is only accessible by the application;after generating the primary key, prompting, by the communication device, the user for biometric authentication;when the biometric authentication is successful, transmitting, by the communication device, to an account server, an indication that the user is eligible for multi-function authentication; and receiving, by the ...

IDENTIFICATION OF ANOMALOUS PAYMENT TERMINALS

A payment terminal evaluation device may include a network interface configured to receive data associated with each of a plurality of payment terminals. The data may include a plurality of data fields each having a respective value for a respective transaction processed by one of the plurality of payment terminals. Each payment terminal may be associated with one of a plurality of merchants. The payment terminal evaluation device may further include an electronic processor that may be configured to identify, based on the data, at least one of (i) a merchant of the plurality of merchants as an anomalous merchant and (ii) a payment terminal of the plurality of payment terminals as an anomalous payment terminal. The electronic processor may be further configured to transmit anomaly information to a communication device to cause the communication device to display the anomaly information. 1. A payment terminal evaluation device comprising:a network interface configured to receive data associated with each of a plurality of payment terminals, wherein the data includes a plurality of data fields each having a respective value for a respective transaction processed by one of the plurality of payment terminals and wherein each payment terminal is associated with one of a plurality of merchants;a data warehouse configured to store the data; and identify, based on the data, at least one of (i) a merchant of the plurality of merchants as an anomalous merchant and (ii) a payment terminal of the plurality of payment terminals as an anomalous payment terminal, and', 'transmit anomaly information to a communication device to cause the communication device to display the anomaly information, wherein the anomaly information indicates that an anomaly has been identified with respect to the at least one of the anomalous merchant and the anomalous payment terminal., 'an electronic processor coupled to the network interface and to the data warehouse, the electronic processor configured ...

METHOD TO ENABLE CONSUMERS TO MAKE PURCHASES AT E-COMMERCE WEBSITES USING THEIR MOBILE NUMBER

A method and system include receiving a payment authorization request that comprises payment data and a Mobile Station International Subscriber Directory Number (MSISDN) associated with a mobile device; verifying the MSISDN by comparing MSISDN to a subscriber database; generating a message to verify a payment transaction, after the MSISDN is validated; receiving the verification message at the mobile device; verifying the payment transaction by transmitting a mobile personal identification number (PIN) associated with the MSISDN in response to the verification message; generating an authorization message indicating the payment transaction is one of approved or declined; and transmitting the authorization message. Numerous other aspects are provided. 1. A method comprising:receiving a payment authorization request that comprises payment data and a Mobile Station International Subscriber Directory Number (MSISDN) associated with a mobile device;verifying the MSISDN is valid by comparing MSISDN to a subscriber database;generating a message to verify a payment transaction, after the MSISDN is validated;receiving the verification message at the mobile device;verifying the payment transaction by transmitting a mobile personal identification number (PIN) associated with the MSISDN in response to the verification message;generating an authorization message indicating the payment transaction is one of approved or declined; andtransmitting the authorization message.2. The method of claim 1 , wherein the MSISDN is a payment credential.3. The method of claim 1 , further comprising:registering the MSISDN with an issuer prior to receiving the MSISDN.4. The method of claim 1 , wherein the payment authorization request is received by an acquirer.5. The method of claim 1 , wherein the payment authorization request is a merchant initiated transaction.6. The method of claim 4 , further comprising:transmitting the MSISDN from the acquirer to a Mobile Payment Gateway (MPG).7. The method ...

Authentication system and method for server-based payments

A method of performing a payment transaction employing a two-factor authentication mechanism. The method includes engaging in cryptographic processing with a cryptographic function having a secret key encoded therein. The cryptographic function is stored in a computing device. The secret key serves as a first authentication factor. The method further includes utilizing a second authentication factor in performing the payment transaction.

A METHOD OF PROCESSING A CARD PRESENT, CARD PAYMENT TRANSACTION

This invention relates to a method of processing a card present, card payment transaction. The method () comprises obtaining () and comparing a PAN taken from the magnetic strip of a card with the PAN taken from the chip of a card. If the PANs are found to differ, the card payment transaction is declined () as this is indicative of a fraudulent payment attempt. According to one implementation, if the card payment terminal is unable to retrieve the PAN from either source, the payment transaction is declined (). In this way, a far more secure method of processing the transaction is provided. According to another implementation, the terminal () carries out EMV1 PIN verification before allowing a payment transaction to proceed. In that implementation, additional chip () interaction or communication steps subsequent to PIN verification (EMV2 steps) are not required. Therefore, the invention can be performed using existing infrastructure. Furthermore, the security and flexibility of the card payment method are improved.

Secure Electronic Identification Device

In accordance with one embodiment of the present invention a secure electronic identification device (SEID) is presented. The SEOD includes a display mode for displaying government furnished information, a display mode for displaying user furnished information, and a public display mode for displaying public information. The SEID also includes a banking module with logic and resources for initiating financial transactions between the SEID and a payment gateway. The SEID includes a removable card having a magnetic strip and an EMV chip encodable by the SEID.

VIRTUAL POINT OF SALE

A portable device includes a communication interface to communicate with a consumer endpoint device, and a reader to receive a payment credential of a payment card detected by the portable device, to support a virtual point-of-sale (POS), card present online transaction between the consumer endpoint device and a merchant server. The portable device can establish a secure session with a host system using a cryptographic key, and send an authorization request comprising the payment credential in the secure session with the host system, the authorization request seeking authorization of payment for the online transaction. 1. A method comprising:establishing, between a virtual point-of-sale (POS) engine and a host system, a secure session using a cryptographic key provided by a portable device, the secure session established through a computing device to which the portable device is in communication;for an online transaction between the computing device and a merchant server, receiving, with the virtual POS engine comprising the portable device separate from the computing device, information of a payment card detected by a reader of the portable device;receiving, based on activation of a user input component of the portable device with respect to a user interface displayed by the computing device, a security code; andsending, by the virtual POS engine, a payment authorization request comprising a payment credential and the security code to the host system through the secure session.2. The method of claim 1 , wherein receiving the information of the payment card comprises receiving the information of the payment card detected wirelessly by the reader.3. The method of claim 1 , wherein receiving the information of the payment card comprises receiving the information of the payment card detected by the reader when in contact with the payment card.4. The method of claim 1 , further comprising:detecting, by the computing device, a connection between the portable device and ...

TRUSTED TERMINAL PLATFORM

A point-of-sale (POS) terminal is provided for entering a PIN to enable a financial transaction. The point-of-sale terminal has a card reader for reading information from a credit card, a processor for running an operating system, with applications, a touch screen for displaying information and receiving user inputs, and a Security-Box connected between the touch screen and the processor to control the user input on the touch screen to the processor. The Security Box is configured to run in a “PIN Entry Mode” and a “Clear Text Mode.” When running in “PIN Entry Mode” the user input is not forwarded as touch coordinates to the processor and when running in “Clear Text Mode” the touch coordinates are transmitted to the processors. 1. A User-terminal for entering secure user information , comprising:a processor configured for running an operating system with applications;a touch screen configured for displaying information and receiving user inputs and to receive the secure user information from the user;a Security-Box being connected between the touch screen and the processor and configured to control the user input on the touch screen to the processor, the Security-Box being configured to run in a “Secure Mode” and a “Clear Text Mode”, wherein when running in “Secure Mode” the user input is not forwarded as touch coordinates to the processor and when running in “Clear Text Mode” the touch coordinates are transmitted to the processors;wherein the user-terminal is configured to run at least first and second applications displaying information on the touch screen and allowing an interaction with the user, the first application interacting with the Security-Box to perform security relevant financial transactions;and the second application interacting in “Clear Text Mode” with the touch screen, andwherein the first application interacting with the Security-Box is configured for switching the Security-Box into “Secure Mode” and needs to be authenticated with the Security ...

Vpew digital wallet

A versatile-customizable-security-enhanced digital wallet operated through a mobile electronic device (or non-mobile electronic device) operative to receive, from any sources, save, store, maintain, create, edit, manage, and allow the retrieval, displaying, and sharing of, various data and forms of enhancement and data thereof; to process and execute applications using the data and forms of enhancement and data thereof saved, stored, and maintained therein; and to protect the data saved, stored, and maintained therein and funds thereof.

Systems and Methods for Use in Authenticating Users in Connection With Network Transactions

Systems and methods are provided for use in authenticating a user in connection with a network transaction by the user, based on a biometric combination. One exemplary method includes receiving, by a computing device, an authorization request for a network transaction by a user where the authorization request includes biometric data representing at least a first biometric of the user and a second biometric of the user and transmitting the biometric data to a biometric registry, thereby permitting the biometric registry to verify the biometrics data. The method then also includes converting, by the computing device, the biometric data to a personal identification number (PIN) specific to the biometric data when the biometric data is verified and appending, by the computing device, the PIN to the authorization request. 1. A computer-implemented method for use in authenticating a user based on biometric data , in connection with a network transaction by the user , the method comprising:receiving, by a computing device, an authorization request for a network transaction by a user, the authorization request including biometric data representing at least a first biometric of the user and a second biometric of the user;transmitting the biometric data to a biometric registry, thereby permitting the biometric registry to verify the biometrics data;converting, by the computing device, the biometric data to a personal identification number (PIN) specific to the biometric data, when the biometric data is verified; andappending, by the computing device, the PIN to the authorization request.2. The method of claim 1 , wherein the network transaction includes a payment account transaction by the user to a payment account; andwherein the method further includes transmitting the authorization request to an issuer of the payment account, thereby permitting the issuer to approve or decline the transaction based, at least in part, on the PIN.3. The method of claim 2 , wherein the first ...

USB DEVICE

A portable, application-specific USB autorun device, following connection to a computer terminal, automatically initialises or presents itself as a known type of device and then automatically sends to the terminal a sequence of data complying with a standard protocol, that sequence of data automatically causing content to be accessed or a task to be initiated. The device (i) includes a standardised USB module that includes a USB microcontroller, the standardised module being designed to be attached to or embedded in multiple types of different, application specific packages but (ii) excludes mass memory storage for applications or end-user data. 1. A portable universal serial bus (USB) device , the device including a package , wherein the device , following connection to a computer terminal , presents itself to the computer terminal as a human interface device (HID);wherein the portable USB device includes a USB module that includes a USB microcontroller, the USB module being attached to or embedded in the package, wherein the portable USB device is applicable to secure on-line access, wherein the portable USB device is operable to generate a one-time-only passcode and to use the one-time-only passcode so that the portable USB device can be authenticated by a server via the computer terminal.2. The portable USB device of claim 1 , wherein the device includes a one-time-only passcode generator.3. The portable USB device of claim 2 , wherein the one-time-only passcode generator includes a computer program embodied on a non-transitory storage medium of the portable USB device claim 2 , wherein the computer program is executable on the portable USB device to generate one-time-only passcodes.4. The portable USB device of claim 1 , wherein the HID device is a HID keyboard device.5. The portable USB device of claim 4 , wherein the portable USB device sends to the computer terminal a sequence of data claim 4 , the data complying with the HID keyboard standard protocol.6. ...

METHOD AND SYSTEM FOR CARDLESS USE OF AN AUTOMATED TELLER MACHINE (ATM)

A computer-implemented method for cardless use of an automated teller machine (ATM) is provided. The method includes receiving as an input, a user-identified ATM that the user wishes to use. The method also includes generating and transmitting a one-time password (OTP) for the user to enter at the identified ATM. The method further includes receiving and verifying the OTP entered into the ATM, and on successful verification, authorizing access to services available through the ATM, without use of a card. 122-. (canceled)23. A computer-implemented method for cardless use of an automated teller machine (ATM) by a user , the method implemented using a computer system comprising a server , the server including at least one processor in communication with a database , the database storing a user profile of the user and stored ATM information , the stored ATM information identifying a plurality of ATMs , the method comprising:receiving, by the server from a user device of the user, a request to log on to a computer application, the request including at least one security feature submitted by the user;granting, by the server, access by the user device to the computer application in response to verifying that the submitted at least one security feature matches at least one profile security feature stored in the user profile;receiving, by the server, ATM information submitted by the user device via the computer application, the ATM information identifying a candidate ATM, wherein the candidate ATM is not associated in the database with the user profile;identifying, by the server, the candidate ATM by comparing the submitted ATM information to the stored ATM information;generating and transmitting, by the server to the user device, a first one-time password (OTP) for the user to enter at the candidate ATM;receiving, by the server, a second OTP entered into the candidate ATM;verifying, by the server, that the first OTP matches the second OTP; andin response to the verification ...

Cryptocurrency securing system and method

The present disclosure provides a cryptocurrency securing system and a cryptocurrency securing method thereof. The system receives a cryptocurrency transaction information from a user device, and determines whether a policy data corresponding to the cryptocurrency transaction information is legal. When the policy data corresponding to the cryptocurrency transaction information is legal, the system derives a cryptocurrency private key information via a personal identification number of the user device. The system then encrypts the cryptocurrency transaction information via the cryptocurrency private key information for deriving an encrypted cryptocurrency transaction information, and broadcasts the encrypted cryptocurrency transaction information to a blockchain network.

SYSTEMS AND METHODS FOR TEMPORARILY ACTIVATING A PAYMENT ACCOUNT FOR FRAUD PREVENTION

A system for temporarily enabling an otherwise disabled payment account for use in a transaction is configured to perform operations including receiving, from a point of sale device, a transaction request associated with an account of a user, the transaction request comprising a transaction value representing a currency amount. The operations may also include determining that the user account has a disabled status. Further, the operations may include converting the transaction request into a personal identification code based at least in part on the transaction value. The operations may additionally include determining that the personal identification code matches a stored authorization code associated with the user account. And, the operations may include modifying the disabled status to permit successful processing of at least one subsequent transaction request associated with the user account. 120-. (canceled)21. A system for temporarily enabling an otherwise disabled payment account for use in a transaction , the system comprising:one or more memory devices storing instructions; and receiving, from a first point of sale device, a first transaction request associated with an account of a user, the first transaction request comprising a first transaction value representing a currency amount;', 'determining that the user account is disabled;', 'determining that the first transaction value corresponds to an authorization code for the user account;', 'receiving, from one of the first point of sale device or a second point of sale device, a second transaction request associated with the user account, the second transaction request comprising a second transaction value representing a currency amount;', 'determining that the second transaction value corresponds to a service request code that represents a service request for the user account; and', 'implementing the service request for the user account., 'one or more processors configured to execute the instructions to ...

AUTHENTICATING AN EXCHANGE ITEM IN AN EXCHANGE ITEM MARKETPLACE NETWORK

A method begins with obtaining, by a retailing computing device of an exchange item marketplace network from a buyer device of the exchange item marketplace network in accordance with a securely passing process, control over a secure exchange item package for use of an exchange item, where only a device possessing control over the secure exchange item package may modify the secure exchange item package. The method continues by executing, by the retailing computing device, the use of the exchange item by updating the value of the exchange item to produce an updated value, generating an updated secure exchange item package to include identity of the exchange item, identity of the retailing computing device, identity of the buyer device, and the updated value of the exchange item, and securely passing, by the retailing computing device to the buyer device, control over the updated secure exchange item package. 1. A method comprises:obtaining, by a retailing computing device of an exchange item marketplace network from a buyer device of the exchange item marketplace network in accordance with a securely passing process, control over a secure exchange item package for use of an exchange item, wherein the secure exchange item package includes identity of the exchange item, identity of the buyer device, identity of the retailing computing device, and an authenticated value of the exchange item, and wherein only a device possessing control over the secure exchange item package may modify the secure exchange item package; updating the authenticated value of the exchange item to produce an updated value of the exchange item;', 'generating an updated secure exchange item package, wherein the updated secure exchange item package includes identity of the exchange item, identity of the retailing computing device, identity of the buyer device, and the updated value of the exchange item; and', 'securely passing, by the retailing computing device to the buyer device, control over ...