Abstract: A first server device receives a request for attributes, of a user, from a second server device associated with a receiving entity. The first server device determines whether the receiving entity is entitled to receive the attributes, and authenticates an identity of the user. The first server device also identifies the attributes based on the identity when the receiving entity is entitled to receive the attributes, and transmits the identified attributes to the second server device.

Abstract: An approach for authenticating parties engaged in a web-based transaction without compromising the integrity or anonymity of the parties is described. An authentication platform receives, from a first application associated with a first party, an authentication request that has been redirected in response to a transaction initiated with a second application associated with a second party. The authentication platform forwards knowledge based assessment information to the first application that is based on determined behavioral information for authenticating the second party to the first party. A valid response to the knowledge based assessment information by the first application provides authentication of the first party to the second party.

Abstract: Described is a characteristic verification system that includes security marks, devices, systems and methods that may be used to authenticate a material good and to provide strong brand protection. A device, such as a smartphone, that includes a software application, a camera and a light source, may be used to interrogate the security mark and connect to remote servers to authenticate the material good at varying levels of assurance. In addition to authenticating the good, the system may also authenticate the user and provide different information to different users and/or limit information that is provided unauthenticated users.

Abstract: Described are devices, methods and non-transitory computer readable media for implementing an enhanced multi-factor authentication system. The system uses three user identifiers, and after a first user identifier is verified, the system receives a second user identifier from the user. As the second user identifier is being received, the system automatically detects a third user identifier and verifies simultaneously the second and third user identifiers. The second and third user identifiers are correlated with each other, and the correlation of these two identifiers (e.g., in addition to the identifiers themselves) is also verified.

Abstract: A user device receives consumer information from a consumer, where the consumer information includes preference information, demographic information, identity information, relationship information, and location information associated with the consumer. The user device provides the consumer information to a lifestyle application platform, and receives, from the lifestyle application platform, a consumer profile for the consumer based on the consumer information. The user device receives, from the lifestyle application platform, notifications, reports, and offers, associated with an enterprise and relevant to the consumer, based on the consumer profile, and provides the notifications, reports, and offers for display to the consumer.

Abstract: A computer is configured to receive an authentication request that identifies one or more authentication form factors, and for each form factor identified, further identifies at least one parameter. The computer is further configured to generate a risk score for the authentication request using the parameter, the risk score being based at least in part on a complexity associated with each of the one or more authentication form factors. The computer is further configured to provide the risk score to a requester.

Abstract: Methods, apparati, and computer-readable media for providing authorization and other services. In a preferred embodiment, an authorization service includes both a messaging specification and a set of rules that govern its use. A first customer wishing to use the authorization service prepares a request that complies with the service's messaging specification and transmits it to a first participant. The first participant transmits the request to a second participant, which processes the request according to authorization information provided by a second customer and rules that have been specified for the service. The second participant then prepares a response that complies with the service's messaging specification.

Abstract: An approach is provided for authenticating and/or identifying a user through gestures. A plurality of media data sets of a user performing a sequence of gestures are captured. The media data sets are analyzed to determine the sequence of gestures. Authentication of the user is performed based on the sequence of gestures.

Abstract: Described are systems for combining multiple latent characteristics within a pigment such that with certain specialized knowledge and tools the specific pigment can be uniquely authenticated. The system takes advantage of the rapid proliferation of artificial light sources that are characterized by combinations of narrow band light sources that combine to simulate natural, or broadband light sources. With knowledge of the ambient lighting spectral emissions and the ability to illuminate the subject with an alternative light source with different spectral emissions, it is possible to determine the presence of the latent characteristics within the pigment. In some embodiments of the system, a smartphone including a CMOS or CCD sensor and a LED light source, could be combined with software to authenticate all of the latent characteristics. These characteristics can be combined with each other in different proportions to mass customize unique solutions for each customer or product line.

Abstract: Described is a characteristic verification system that includes security marks, devices, systems and methods that may be used to authenticate a material good and to provide strong brand protection. A device, such as a smartphone, that includes a software application, a camera and a light source, may be used to interrogate the security mark and connect to remote servers to authenticate the material good at varying levels of assurance. In addition to authenticating the good, the system may also authenticate the user and provide different information to different users and/or limit information that is provided unauthenticated users.

Abstract: A system is configure to monitor financial and/or identification inquiries for anomalous behavior; identify anomalous behavior by comparing the financial and/or identification inquiries to historical financial transactions and/or identification information; send a notification to a mobile device when anomalous behavior is identified for a user of the mobile device; and receive a signal from the mobile device approving, denying, or requesting more information about the anomalous behavior.

Abstract: A server device receives, from a third party device, a question about a behavior of a user. The server device identifies an attribute required to provide an answer to the question, determines whether a profile of the user includes the attribute, and determines the answer based on the attribute when the profile includes the attribute, where the answer does not include any information that identifies the user. The server device also transmits the answer to the third party.

Abstract: A first server device receives a request for attributes, of a user, from a second server device associated with a receiving entity. The first server device determines whether the receiving entity is entitled to receive the attributes, and authenticates an identity of the user. The first server device also identifies the attributes based on the identity when the receiving entity is entitled to receive the attributes, and transmits the identified attributes to the second server device.

Abstract: An approach for authenticating parties engaged in a web-based transaction without compromising the integrity or anonymity of the parties is described. An authentication platform receives, from a first application associated with a first party, an authentication request that has been redirected in response to a transaction initiated with a second application associated with a second party. The authentication platform forwards knowledge based assessment information to the first application that is based on determined behavioral information for authenticating the second party to the first party. A valid response to the knowledge based assessment information by the first application provides authentication of the first party to the second party.

Abstract: Methods, apparati, and computer-readable media for providing authorization and other services. In a preferred embodiment, an authorization service includes both a messaging specification and a set of rules that govern its use. A first customer wishing to use the authorization service prepares a request that complies with the service's messaging specification and transmits it to a first participant. The first participant transmits the request to a second participant, which processes the request according to authorization information provided by a second customer and rules that have been specified for the service. The second participant then prepares a response that complies with the service's messaging specification.

Abstract: A system and method are disclosed for providing authorization and other services. In a preferred embodiment, an authorization service is defined that includes both a messaging specification and a set of rules that govern its use. A first customer wishing to use the authorization service prepares a request that complies with the service's messaging specification and transmits it to a first participant. The first participant transmits the request to a second participant which processes the request according to authorization information provided by a second customer and rules that have been specified for the service. The second participant then prepares a response that complies with the service's messaging specification.

Abstract: A system and method are disclosed for providing authorization and other services. In a preferred embodiment, an authorization service is defined that includes both a messaging specification and a set of rules that govern its use. A first customer wishing to use the authorization service prepares a request that complies with the service's messaging specification and transmits it to a first participant. The first participant transmits the request to a second participant which processes the request according to authorization information provided by a second customer and rules that have been specified for the service. The second participant then prepares a response that complies with the service's messaging specification.