Abstract: A session user enters session user credential the session user credentials that are compared with stored user credentials to validate the session user credentials. The session user identifies a selected communications method from the at least one communications method presented to the session user, and an authentication message is sent to the session user using the selected communications method. The session user enters a handwritten session signature in response to the authentication message. The handwritten session signature entered by the session user is compared with the reference signature associated with the session user to validate the handwritten session signature. If the handwritten session signature is validated, the session user is authenticated. If the session user has been validated, the session user is allowed to access a set of user information that is associated with the session user and stored on the partner server.

Abstract: An authentication system for allowing access to a user account server has at least one access device and at least one verification server. The at least one access device is capable of operatively connecting to the user account server and comprises a touch screen for allowing entry of session signatures. The at least one verification server is capable of comparing session signatures to reference signatures. A user reference signature is stored on the at least one verification server. The at least one access device allows entry of a user session signature and transmission of the user session signature to the at least one verification server. The at least one verification server allows the at least one user to connect to the user account server based on a comparison of the user session signature with the user reference signature.

Abstract: An authentication system comprises a client device system associated with a session user, a data provider server system that stores user data, including user identification data, associated with the session user, a data provider interface system for displaying a data provider user interface on the client device system, an authentication server system that stores authentication data associated with the session user, and an authentication interface system for displaying an authentication user interface on the client device system.

Abstract: A system for processing payments from a customer to a merchant uses a merchant POS system associated with the merchant, a customer mobile device, and a payment server. The payment server generates a Transaction ID unique to a payment transaction. The customer mobile device validates the payment transaction in response to the Transaction ID. The payment server generates a payment notice when the customer mobile device validates the payment transaction. In one case, the merchant POS system presents the Transaction ID to the customer mobile device in preparation for the payment transaction.