Abstract: Alternative service access with operations including determining that a system has met a plurality of criteria, including the system having a battery level below a threshold, identifying a merchant, generating an authentication token for authorizing a payment using a payment provider, and sending the authentication token to the payment provider.

Abstract: Disclosed are a system of providing product information using a copy/paste function of an electronic commerce shopping cart, a method thereof and a non-transitory computer readable storage medium having a computer program recorded thereon. The method can be used as an effective intercommunication means by mutual exchange of shopping lists with acquaintances or friends rather than solo shopping. Further, user convenience in purchasing products and the probability of purchasing products can be enhanced by the method.

Abstract: A system and method provide efficient, secure, and highly reliable authentication for transaction processing and/or access control applications. A personal digital key (PDK) is programmed using a trusted programming device to initialize and/or register the PDK for use. In one embodiment, the initialization and registration processes are administered by a specialized trusted Notary to ensure the processes follow defined security procedures. In a biometric initialization, the programming device acquires a biometric input from a user and writes the biometric data to a tamperproof memory in the PDK. In registration, the Programmer communicates to one or more remote registries to create or update entries associated with the user PDK. Once initialized and registered, the PDK can be used for various levels of secure authentication processes.

Abstract: A device implementing an inter-device credential transfer system may include at least one processor that is configured to receive a request to transfer a transaction credential from a first device to a second device, the transaction credential being associated with a stored monetary value and the request comprising a transaction credential identifier of the transaction credential. The at least one processor is further configured to prevent, responsive to the request, the transaction credential from being utilized for payment transactions by the first device. The at least one processor is further configured to provision an instance of the transaction credential on the second device. The at least one processor is further configured to cause the instance of the transaction credential to be activated on the second device with a balance corresponding to the stored monetary value associated with the transaction credential.

Abstract: A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.

Abstract: The invention provides an authentication system and method. In particular, the invention provides a method for performing a financial authentication utilizing a token associated with a user, the method comprising the token generating a set of display characters that are viewable by the user, the token generating the display characters using logic; the user transforming a portion of the set of display characters using a transformation process, based on knowledge of the user, so as to form a display character sequence; the user outputting the display character sequence to an authentication entity; and the authentication entity authenticating the display character sequence using the logic and knowledge of the transformation.

Abstract: An apparatus, system and method for establishing a transaction between first and second parties including a first signing step in which a transaction message including a request and a transaction identifier is cryptographically signed by the first party to form a first cryptographically signed message. The first signed message is transmitted from the first party to the second party. The second party then cryptographically signs the first message to form a second cryptographically signed message. The second message is also transmitted from one or more of a plurality of parties having the second message to a trusted third party. The trusted third party is able to verify that the second message was cryptographically signed by the second party and can also verify that the first message in the second message was cryptographically signed by the first party.

Abstract: Various embodiments herein each include at least one of systems, methods, and software for in situ and network-based transaction classification. Such embodiments use advanced data analytics and machine learning techniques of consumer's transaction attributes to reduce shrink at checkout. One embodiment, in the form of a method, includes processing a dataset of transactions to identify normal transaction patterns and processing a dataset of transactions that included known fraud to identify variation patterns between the identified normal transaction patterns and the data of each transaction. The method further includes generating at least one pattern model based on the identified normal transaction patterns and the identified variation patterns. In such embodiments, each pattern model typically includes classification values for determining a likelihood of fraud in transactions.

Abstract: A method that includes displaying a masking image layer on a terminal screen when receiving a start instruction used to start an application; receiving an unlocking instruction input based on the masking layer; if the unlocking instruction matches a preset instruction, starting the application. The present disclosure solves the technical problem in the conventional techniques of relatively low terminal unlock method security.

Abstract: A financial transaction system includes a governing host having a database for registering parties wishing to perform a financial transaction and processing the financial transaction. A discrete point-of-sale (POS) terminal interfaces with one party wishing to initiate a financial transaction with another party. The discrete POS terminal has a local transaction process providing for initial validating and enforcing of business rules governing the transaction with the one party and generating a transaction key confirming that the transaction is authorised on validating the transaction with the governing host. A facilitator device reads the transaction key on being supplied with same by the one party and communicates with the governing host to complete the transaction using the facilitator POS terminal.

Abstract: Computer executable instructions may be used to configure a special purpose computing device to perform a method for determining whether an unbound property insurance lead may be associated with a property for which a property inspection is not required. The computer executable instructions, when executed by a processor may cause the special purpose computing device to access a data repository storing a plurality of unbound property insurance leads, process each of the plurality of unbound property insurance leads using an adaptable inspection model to determine an insurability risk score for each of the unbound property insurance leads, compare each insurability risk score to a constraint, and communicate an indication of whether a property inspection is necessary for each of the plurality of unbound property insurance leads.

Abstract: A computing device can obtain a session key for encrypting data that is communicated between a client device and the computing device. The computing device can receive, from the client device, an encrypted request for data. The encrypted request can be encrypted by the client device using the session key. The data requested can be stored on a second computing device. The computing device can send, to the second computing device, a copy of the session key and the encrypted request for data. The second computing device can decrypt the data using the session key and can also encrypt data responsive to the request using the session key.

Abstract: To install a monitor apparatus module, a monitor apparatus transmits a registration request including a client ID and an initial authentication key included in an installer to a management apparatus. When an authentication key related to the client ID included in the registration request is yet to be issued, the management apparatus issues an authentication key and provides the same to the monitor apparatus. Meanwhile, when the authentication key is already issued, the monitor apparatus displays a screen for input of a ticket issued by the management apparatus and resends the initial registration request with the input ticket to the management apparatus. When the ticket included in the registration request is valid, the management apparatus issues the authentication key and provides the same to the monitor apparatus.

Abstract: Methods and apparatuses are disclosed for determining based on predetermined criteria a combination of one or more user devices to be used for a security operation from a set of associated user devices. The user devices are configured to wirelessly communicate security information. In response to the determination security information is communicated by the determined combination of one or more user devices.

Abstract: A method is provided for identifying and displaying video data of a user, either alone or together (in synchronization) with other data, such as biometric data acquired during a time that the video data was captured/received. The method includes storing biometric data separately from the video data, allowing the biometric data to be search quickly to identify at least one value (e.g., a value corresponding to at least one biometric event). At least one biometric time-stamp (e.g., a time, a sample rate, a position within a plurality of values, etc.) linked to the identified value can then be used to identify a corresponding video time-frame, which can then be used to play the video data, either alone or together with biometric data, starting at a particular time (e.g., at a time that the event occurred, shortly before the event occurred, etc.).

Abstract: A system and method for detecting unauthorized access to a cloud application hosted in a cloud-computing platform are presented. The method comprising: identifying, by a managed proxy device, a first access attempt to a cloud application at a first time and from a first location; identifying, by a managed proxy device, a second access attempt to the cloud application at a second time and from a second location; computing a velocity between the first access attempt and the second access attempt based on the first time, the second time, the first location, and the second location; checking if the computed velocity is greater than a velocity threshold; and generating a velocity event when the computed velocity is greater than the velocity threshold, wherein the velocity event indicates that an access attempt is unauthorized.

Abstract: The technology described in this document can be embodied in a method that includes receiving, at one or more servers from a first computing device, (i) first identification information identifying the first computing device or an application executing on the first computing device, and (ii) second identification information identifying a second computing device, wherein the second identification information is provided to the first computing device as a mechanical signal transmitted through a human body. The method also includes determining, by the server based on the first information, identity information of a user associated with the first computing device, and transmitting, from the one or more servers to the second computing device, the identity information, such that the identity information is usable by the second computing device to verify an access attempt by the user.

Abstract: A method is provided comprising receiving, at a first node, transactional data associated with a consumer (wherein the first node comprises a processor and a tangible, non-transitory memory), receiving, at the first node, a credit approval request associated with the consumer, wherein the credit approval request is associated with a proposed transaction, determining, by the first node, whether the transactional data conforms with the proposed transaction, and at least one of approving and denying the credit approval request in response to the determination.

Abstract: Embodiments disclosed herein generally relate to a system and method for transacting at an ATM. A computing system receives a request from the ATM to provide audio commands for an input having one or more components. The computing system generates an audio message for a component of the one or more components. The computing system receives an indication from the user to select an entry from the set of candidate entries as the component. The indication from the user does not include a recitation of the first entry. The computing system maps the indication to a respective candidate in the set of candidate entries. The computing system generates a verification audio message for the user to audibly verify a correct mapping between the indication and the respective candidate in the set of candidate entries. The computing system receives an audible verification from the user.

Abstract: Techniques for ensuring verification before transmission of electronic messages are disclosed herein. In some embodiments, a computer-implemented method comprises: transmitting a confirmation request message to an e-mail address stored in a database of an online service in association with a digital representation of a first user of the online service; subsequent to transmitting the confirmation request message, causing a selectable option to send a user-to-user message to a second user via the online service to be displayed on the computing device of the first user; receiving, from the computing device of the first user, a selection of the option to send the user-to-user message to the second user; determining that the confirmation of the e-mail address has not been received; and preventing a transmission of the user-to-user message to the second user based on the determining that the confirmation of the e-mail address has not been received.

Abstract: Methods, systems and computer readable media for securing mDNS in enterprise networks are described. In some implementations, the method can include authorizing one or more service advertisements and validating one or more service advertisements. The method can also include adding one or more information details to a record associated with an advertised service.

Abstract: Servers in datacenters, mobile devices and virtualized servers without human interaction may experience difficulties in establishing entropy in a virtualized computing environment. Entropy is an important foundation for cryptography and a lack of entropy has led to weaknesses that can be used to break cryptographic systems in the past.

Abstract: A computerized method of verifying the identity of an attendant operating a money transfer transaction device includes receiving at the money transfer transaction device a user identification and password from the attendant and receiving at the money transfer transaction device additional information from the attendant. The additional information relates to a security feature that limits access to the transaction device. The method also includes using the additional information, the user identification, and the password to evaluate whether to allow the attendant to operate the transaction device to process a transaction.

Abstract: A method of processing a commerce service in a commerce processor communicating with a customer premises equipment (CPE), the method including executing a first browser and outputting a coordinate corresponding to a bitmap associated with inputted payment data on a screen of the first browser, receiving coordinate values corresponding to payment data through the output coordinate, transmitting the received coordinate values based on a communication protocol to a second browser, unscrambling the transmitted coordinate values corresponding to the payment data and retrieving payment data from the unscrambled coordinate values, and performing a payment process for a product item corresponding to the retrieved payment data.

Abstract: A method for the secure use of a personal identifier and/or financial instrument that may take place simultaneously with traditional methods of authorization for credit card, check, funds withdraw/transfer or purchase. Authorization according to the present invention may take place as follows: A) the Owner provides a pre-approval of authorization if the request meets an array of Owner-defined parameters; B) a authorization may be granted based on proximity of the Owner to the point of use; or C) the Owner provides a real time approval by smart device. In each case the invention subjects the request for authentication to a sequential verification procedure in which the request is tested against one or more pre-defined verification protocols, the deployed authentication protocol being pre-determined by the Owner and pre-selected in accordance with a user profile that was pre-programmed by the Owner.

Abstract: A positioning method and apparatus based on an electronic device or application are disclosed. A particular embodiment of the method comprises: receiving a positioning request from an unpositionable electronic device or application, the positioning request comprising a timestamp acquiring location information of a positionable electronic device or application having a network identification identical to a network identification of the unpositionable electronic device or application, and a timestamp corresponding to the location information; and estimating location information of the unpositionable electronic device or application at a time corresponding to the timestamp of the positioning request, based on the location information of the positionable electronic device or application, the timestamp corresponding to the location information, and the timestamp of the positioning request. According to this embodiment, a high-accuracy positioning for an unpositionable electronic device or application is achieved.

Abstract: A system for securely sharing data and conducting transactions in an electronic environment. The system may include a personal information device having a processor, memory and biometric sensor. Personal data is stored in the memory of the personal information device. The personal information device may be registered with a centralized system. Data stored on the personal information device may be uploaded to an access device upon verification of a user's identity using a biometric recognition technique.

Abstract: To expedite electronic delivery and return of a document, the document is sent to an electronic mail system and stored in an electronic form thereat. The recipient is informed that the document is available thereto at any of a plurality of merchants where the document may be retrieved. The recipient visits one of the plurality of merchants and at the visited merchant retrieves the document in the electronic form from the mail system to a computing device at the visited merchant. The recipient then reviews and executes the document at the visited merchant, and sends the executed document in an electronic form to the organization by way of the visited merchant and the computing device thereat.

Abstract: Disclosed is an event processing and identity validation system. The system typically includes a processor, a memory, and an event processing and identity validation module stored in the memory. The system is typically configured for: validating a set of identity information for each profile of a set of profiles, receiving an event request comprising user identifying information, comparing the user identifying information with the sets of identity information of the set of profiles to determine a matching profile, processing the event request by generating an authentication code, notifying the user of the event request, determining that a device of the user is within a defined distance of an authentication location and automatically transmitting the generated authentication code to the device of the user, receiving a key code from a computing device, and determining a match between the key code and the authentication code to complete the event request.

Abstract: A positioning method and apparatus based on an electronic device or application are disclosed. A particular embodiment of the method comprises: receiving a positioning request from an unpositionable electronic device or application, the positioning request comprising a timestamp acquiring location information of a positionable electronic device or application having a network identification identical to a network identification of the unpositionable electronic device or application, and a timestamp corresponding to the location information; and estimating location information of the unpositionable electronic device or application at a time corresponding to the timestamp of the positioning request, based on the location information of the positionable electronic device or application, the timestamp corresponding to the location information, and the timestamp of the positioning request. According to this embodiment, a high-accuracy positioning for an unpositionable electronic device or application is achieved.

Abstract: A method of determining, by an electronic device, an audio event is disclosed. The method may include receiving an input sound from a sound source by a plurality of sound sensors. The method may also extracting, by a processor, at least one sound feature from the received input sound, determining, by the processor, location information of the sound source based on the input sound received by the sound sensors, determining, by the processor, the audio event indicative of the input sound based on the at least one sound feature and the location information, and transmitting, by a communication unit, a notification of the audio event to an external electronic device.

Abstract: Systems, methods, and non-transitory computer readable media providing shared online shopping lists and/or carts among users are disclosed. The method includes receiving a primary virtual shopping cart containing related items generated by a first user. A database entry for the primary shopping cart is created and correlated with a shopping cart identifier in response to a user request. The database entry includes one or more keywords associated with the first user of the primary virtual shopping cart. A query is received from a second user, and a list of primary virtual shopping carts is provided to the second user based on relevancy to the query. In response to a request by the second user, the contents of a selected primary virtual shopping cart is duplicated in a secondary virtual shopping cart associated with the second user.

Abstract: The disclosed embodiments include methods and systems for detecting ATM skimmers, other unauthorized devices, such as hidden video cameras or keypad overlays, and/or possible damage to the ATM based upon radio frequency (RF) signal emitted from the ATM and/or 3D image analysis.

Abstract: Methods for editing a previously approved transmission are provided. Methods may include allocating a portion of memory on a first platform. The allocating may include allocating a details sub-portion for transmission details and allocating an approvals sub-portion for approval details. The method may include writing the transmission details into the details sub-portion. Methods may include writing a plurality of approver identifications into the approval sub-portion. Methods may include transmitting the computer-readable packet to a first approver email address. Methods may include enabling a first approver, associated with the first approver email address, to set an approval bit to one. Methods may include locking the details sub-portion and the approvals sub-portion when the first approver sets the approval bit to one. Methods may include unlocking the details sub-portion and the approvals sub-portion and setting the approval bit to zero when an edit command is received.

Abstract: Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to criminal activities, to (1) attempt to check the balances on such prepaid payment cards, including the ability to perform aggregate balance checks on a group of such prepaid cards, (2) attempt to freeze the funds on such prepaid payment cards, and/or (3) attempt to seize the funds on such prepaid payment cards.

Abstract: An information processing apparatus for authenticating a user includes a wireless communication unit configured to obtain predetermined information from a wireless tag; a wireless authentication unit configured to authenticate the wireless tag based on the predetermined information; a capturing unit configured to capture an image; an image authentication unit configured to authenticate the user captured in the image; an image determination unit configured to determine whether an object of determination is a living body that satisfies a predetermined condition; and an apparatus authentication unit configured to permit the user to use the information processing apparatus in a case in which the image determination unit determines that the object of determination is the living body that satisfies the predetermined condition, and the user of the wireless tag which is authenticated by the wireless authentication unit and the user who is authenticated by the image authentication unit are the same.

Abstract: A checkout system includes a plurality of settlement apparatuses and a registration apparatus. The registration apparatus includes a scanner, a storage unit, a communication interface, and a processor. The processor controls the scanner, the storage unit and the communication interface to identify a commodity corresponding to a scanned code, generate the settlement information, and transmit the settlement information to a selected one of the plurality of settlement apparatuses. The selected one of the plurality of settlement apparatuses determines, with respect to itself, whether a settlement processing is currently being performed and whether a settlement processing was completed within a preceding predetermined amount of time.

Abstract: In one aspect, a method related to health-related data management. In addition to the foregoing, other method and system and program product aspects are described in the claims, drawings, and text forming a part of the present application.

Abstract: Methods, systems, and machine-readable media are disclosed for handling information related to a financial transaction including utilizing dynamic cryptograms. According to one embodiment, a method of processing a financial transaction related to a financial account can comprise detecting initiation of the transaction with a device used as a presentation instrument in the transaction. A Dynamic Transaction Cryptogram (DTC) and a dynamic PAN can be generated at the device. The DTC can be used to authenticate the transaction and the dynamic PAN can comprise an encrypted form of a real PAN of the financial account that is valid for a single transaction. The DTC and the dynamic PAN can be provided by the device for use in the transaction.

Abstract: A method for recognition and/or verification of authenticity of digital, and/or physical objects, comprising the steps of codebook training, object enrollment, and object verification, the latter consisting in object recognition and/or object authentication. The method uses two types of features, of codebooks, and of databases, which are specifically designed for identification, respectively authentication, the identification database and authentication database having different organizations. The invention is also directed to corresponding computer program means adapted to implement the proposed method, devices adapted for implementation of a method, as well as to applications which are particularly adapted for use of the proposed method.

Abstract: The disclosure provides a portable electronic card system and a method for manufacturing a rewritable plastic card. The portable electronic card system includes: a portable personal electronic device, a rewritable plastic card and a writing device. The portable personal electronic device is used for obtaining a certificated code and a personal information from a database by internet. The rewritable plastic card has a rewritable storage device for storing the personal information. The writing device electrically connects to the portable personal electronic device, and is used for writing the personal information into the rewritable plastic card.

Abstract: A checkout system includes a plurality of settlement apparatuses and a registration apparatus. The registration apparatus includes a scanner, a storage unit, a communication interface, and a processor. The processor controls the scanner, the storage unit and the communication interface to identify a commodity corresponding to a scanned code, generate the settlement information, and transmit the settlement information to a selected one of the plurality of settlement apparatuses. The selected one of the plurality of settlement apparatuses determines, with respect to itself, whether a settlement processing is currently being performed and whether a settlement processing was completed within a preceding predetermined amount of time.

Abstract: A website server computer hosting a website can identify a visitor to the website by using information provided by a visitor server computer that interacts with the visitor. The information provided by the server computer, in some embodiments, can be a combination of an IP address and characteristics of a computing device from where the visitor visits the website. In some embodiments, the IP address of the visitor server computer is used. In embodiments where the visitor may be sharing the computing device with other users, the characteristics may include at least one characteristic that is uniquely associated with the visitor. The website server computer can use a visitor identifier thus generated to start tracking the pages that the visitor requests during the session and can generate and customize pages for the visitor by using characteristics originated from the visitor.

Abstract: Disclosed herein is a method for generating a high entropy password using a low entropy password and low-entropy login data comprising supplying the low entropy password to a system comprising a generating client and/or a recovery client; and at least n servers; submitting request data derived, at least in part, from the user's low entropy password, where the request data includes authentication data; engaging in a distributed protocol with at least t servers to generate high-entropy values based on stored cryptographic information and a set of authentication information stored on the at least n servers which is checked against the authentication data provided by the user and/or the generating client and/or a recovery client; and generating the high entropy password.

Abstract: Systems and methods for providing services are disclosed. One aspect comprises detecting a compromised state of a user device, determining a device identifier associated with the user device, locating a service identifier the device identifier, and transmitting the service identifier to the user device.

Abstract: Controlling access to a computing system. An escalation request is received for performing a protected activity on the computing system by a user not authorized to perform the protected activity. At least one activity indicator being indicative of a skill required to perform the protected activity is retrieved. At least one user indicator being indicative of the skill possessed by the user is retrieved. An indication of a capability of the user to perform the protected activity according to a comparison between the at least one activity indicator and the at least one user indicator is determined. A temporary authorization for performing the protected activity to the user according to the capability thereof is granted or denied. The temporary authorization lasts for a limited time window.

Abstract: Described is a technology that enables a customer, who uses a payment card in a transaction and further provides an identifier in the same transaction, to use the identifier as a payment mechanism in all future transactions. In some embodiments, the technology involves communication between a customer's user device, a payment service system (PSS), and one or more merchant POS systems. A merchant POS system collects information in a transaction conducted between the merchant POS system and the customer, including, among others, the customer's contact information (e.g., telephone number), and forwards this information to the PSS. The PSS stores the information as an identifier, where the identifier is stored in association with the card used in the transaction. In a second transaction, the PSS sends a verification request to the user device based on the identifier (e.g., a text message), and processes the transaction only upon confirmation from the customer.

Abstract: A system for providing product data collection, monitoring, and tracking contains a memory and a processor configured by the memory to perform the steps of: receiving product information and a scannable code; creating and assigning a unique product identifier to the received product information and associated scannable code; receiving customer registration information; creating and assigning a unique customer identifier to the received customer information; associating the unique product identifier with the unique customer identifier; and after receiving the scannable code from a remote device, providing the remote device with access to the received product information. The collected structured and/or unstructured data is secured during transit.

Abstract: Detecting fraud in a contact center including receiving an incoming Real-Time Transport Protocol (RTP) media stream associated with a contact, and determining, based on a real-time biometric analysis of the incoming RTP media stream, that the contact is a potential fraudulent contact. The incoming RTP media stream comprises at least one of an audio stream or a video stream. At least one characteristic related to one or more of an audio quality or a video quality of the incoming RTP media stream is altered without altering any characteristics of an outgoing RTP media stream from the contact center to the potential fraudulent contact, and an altered incoming RTP media stream associated with the potential fraudulent contact is received. In some embodiments, at least one subsequent communications session is automatically scheduled and initiated and a subsequent incoming RTP media stream is received during each subsequent communications session.

Abstract: Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to criminal activities, to (1) attempt to check the balances on such prepaid payment cards, including the ability to perform aggregate balance checks on a group of such prepaid cards, (2) attempt to freeze the funds on such prepaid payment cards, and/or (3) attempt to seize the funds on such prepaid payment cards.