Abstract: A computer-implemented method for remotely verifying an identity of a user is presented. The method comprises a first data processing device (120) receiving a live video stream (102) of the user from a second data processing device (140) via a video data connection (108) having a video bandwidth. Establishing a separate data connection (110) between the first (120) and second (140) data processing devices, the data connection (110) having a data bandwidth. The first data processing device (120) receiving, via the data connection (110), identifying data (104) captured from an identifying means from the second data processing device (140), or another data processing device. The first data processing device (120) determining first biometric data based on the identifying data (104) and comparing to second biometric data based on the live video stream (102).

Abstract: There is provided a computer-implemented method for securing a transaction. The method comprises receiving or determining 193 a plurality of sub-charges associated with the transaction; and determining 195 a password to secure completion of the transaction based on the plurality of the sub-charges.

Abstract: The present disclosure relates to a payout processing system (200). The payout processing system (200) comprises a data store (210) to store details of transactions. A processor (420) communicates with the data store (210). The processor (420) receives a request (222) for a payout from a merchant (120) to a customer (110). The request for the payout comprises a customer identifier and a payout value. The processor (420) also identifies, via the details (232) of transactions in the data store (210), previous transactions to the merchant from a customer associated with the customer identifier. The processor (420) selects previous transactions to the merchant (120) from the customer (110) for refund as part of the payout from the merchant (120) to the customer (110) based on the details of transactions to the merchant (120) in the data store (210).

Abstract: The present disclosure relates to identifying an entity to a current electronic payment transaction. A computer system (100) comprises a memory unit (202) that stores instructions. A device interface (206) communicates current transaction data indicative of the current electronic payment transaction with the first entity. The current transaction data includes current identity data representing the first entity. A processor (201) of the computer system (100) that obtains the instructions from the memory unit (202). The processor (201) receives (301) the current transaction data including the current identity data via the device interface (206). The processor (201) also determines (302) whether the first entity corresponds to a second entity by matching the current identity data against an identity profile that is based on historical transactions of the second entity.

Abstract: There is provided a computer-implemented method for making a payment transaction. The method comprises receiving (510) payment information from a first party of the transaction, the payment information including a first portion of authentication information of a financial instrument from which the payment is to be made; determining (520) a second portion of the authentication information; determining (530) the authentication information of the financial instrument based on the first portion and the second portion of the authentication information; and causing (540) the payment to be made from the financial instrument by using the authentication information.

Abstract: A computer-implemented method for assuring identity information representing identity of an entity is provided. The method determines (210) that a payment is made to a payment recipient using an account associated with the entity. The identity information of the entity is determined (220). A type of the payment recipient is determined (230). The method determines (240) a level of assurance associated with the identity information based on the type of the payment determining that a payment is made to a payment recipient.

Abstract: There is provided a computer-implemented method for securing a transaction. The method comprises receiving or determining 193 a plurality of sub-charges associated with the transaction; and determining 195 a password to secure completion of the transaction based on the plurality of the sub-charges.

Abstract: An aspect of the present invention provides a computer-implemented method for verifying authorisation of a transaction. The method comprises the steps of: receiving a request to process an electronic transaction for a predetermined amount of money (215); dividing the predetermined amount into a plurality of charges (225); providing the plurality of charges to facilitate debiting of a financial instrument with each of the plurality of charges (235); receiving information relating to the plurality of charges from a user of the financial instrument after debiting of the charges (245); and verifying the transaction only if the information is correct (255).

Abstract: An aspect of the present invention provides a computer-implemented method for verifying authorisation of a transaction. The method comprises the steps of: receiving a request to process an electronic transaction for a predetermined amount of money (215); dividing the predetermined amount into a plurality of charges (225); providing the plurality of charges to facilitate debiting of a financial instrument with each of the plurality of charges (235); receiving information relating to the plurality of charges from a user of the financial instrument after debiting of the charges (245); and verifying the transaction only if the information is correct (255).

Abstract: An aspect of the present invention provides a computer-implemented method for verifying authorisation of a transaction. The method comprises the steps of: receiving a request to process an electronic transaction for a predetermined amount of money (215); dividing the predetermined amount into a plurality of charges (225); providing the plurality of charges to facilitate debiting of a financial instrument with each of the plurality of charges (235); receiving information relating to the plurality of charges from a user of the financial instrument after debiting of the charges (245); and verifying the transaction only if the information is correct (255).

Abstract: An aspect of the present invention provides a computer-implemented method for verifying authorization of a transaction. The method comprises the steps of: receiving a request to process an electronic transaction for a predetermined amount of money (215); dividing the predetermined amount into a plurality of charges (225); providing the plurality of charges to facilitate debiting of a financial instrument with each of the plurality of charges (235); receiving information relating to the plurality of charges from a user of the financial instrument after debiting of the charges (245); and verifying the transaction only if the information is correct (255).

Abstract: An aspect of the present invention provides a computer-implemented method for verifying authorisation of a transaction. The method comprises the steps of: receiving a request to process an electronic transaction for a predetermined amount of money (215); dividing the predetermined amount into a plurality of charges (225); providing the plurality of charges to facilitate debiting of a financial instrument with each of the plurality of charges (235); receiving information relating to the plurality of charges from a user of the financial instrument after debiting of the charges (245); and verifying the transaction only if the information is correct (255).