Abstract: A user is registered for an electronic peer-to-peer payment system by authenticating the user at an automated teller machine (ATM), receiving the user's mobile number and addressing a verification code to the user's mobile number, which the user must enter in order to be registered.

Abstract: A user inputs a pattern consisting of a plurality of lines. The lines are classified by relative length, overall direction and degree of curvature. Where a line is started from a new position, the direction from the previous starting point is taken into account. The series of lines is then serialised into a key value, which may then be used to decrypt data stored on a device. This enables data to be securely stored since the key is supplied by the user at runtime and is not itself stored on the device.

Abstract: Method and apparatus for selecting customers to receive offers comprising: obtaining a set of transactions for a group of customers. Assigning transaction categories to the transactions within the set of transactions. Determining for each customer in the group of customers, a distribution of their transaction categories. Selecting the one or more customers to receive an offer based on their determined distribution of transaction categories.

Abstract: A system and method for completing a financial transaction using contactless payment applications within a mobile device is disclosed. The mobile device may include at least one mobile payment card application and at least one mobile wallet application designed to manage one or more mobile payment card applications stored on the mobile device. Conflicts between the requirements for the mobile payment card application and the wallet application regarding activation of the contactless mobile payment card application may be resolved through the use of payment card and wallet applications stored in the handset of the mobile device, as well as card payment applications, wallet applications, and a platform specifying a framework for managing contactless applications stored in a SIM component of the mobile device.

Abstract: The present application is directed to mobile commerce systems and methods for allowing users to interact with and share merchant content, such as coupons or advertisements, and for creating a customer index based on tracked consumer activity with the merchant content. In particular, the application is directed to allowing users to interact with and share merchant content through a mobile wallet or mobile application, and to creating a customer index that allows merchants to identify and access those customers that actively engage with merchant content and that can influence the sale of a merchant's products or services.

Abstract: In a credential recovery process, a user is authenticated using an application running on a mobile communications device, and requests recovery of a credential. The application generates a session key encrypted with the public key of a gateway, and sends the encrypted key to the gateway. The gateway recovers the credential from a depository, encrypted using a symmetric key shared with the depository. The gateway decrypts the credential and re-encrypts the credential using the session key. Preferably, the decryption and re-encryption is performed within a hardware secure module within the gateway. The re-encrypted credential is sent to the application, which decrypts the credential and outputs it to the user. In this way, the credential is provided securely to the user and may be made available for use immediately, or nearly so.

Abstract: A method and system for processing an application for a financing product for a user in an electronic financing system, by a) authenticating the user by verifying identification and validation responses presented by the user at a computing device; b) transmitting a passcode to the authenticated user; c) providing a digital agreement document associated with the financing product for display to the authenticated user at the computing device; d) verifying a passcode entered by the user to electronically sign the digital agreement document, against the transmitted passcode; and e) if the entered passcode is verified, registering an approved financing product for the user in the electronic financing system.

Abstract: In a secure computing environment, a method, system and device are provided for loading stored encryption key data from a protected non-volatile memory of a portable device. A boot loader program is initiated after the portable device is powered on, encryption key data is loaded from the protected non-volatile memory of the portable device, and access to the protected non-volatile memory is disabled after a predetermined time after the portable device is powered on. In this way, the encryption key data is loaded from the protected non-volatile memory of a portable device before the boot operating system is loaded.

Abstract: A method and device are described for maintaining software components in a portable electronic device. The device includes memory storing software components executable from the device, with associated pairs of logical storage partitions for storing different versions of the software components, a data interface for coupling the device to a host computer, a contactless interface for receiving payment token data from a contactless payment token, and a cellular network interface for communication of data over a cellular network. An upgrade process is initiated when the device is coupled to the host computer. Data including a different version of at least one of said software components is received, installed and executed to initiate a payment transaction with a remote system. Payment token data is received via the contactless interface means and transmitted to the remote system.

Abstract: A portable electronic device having a memory storing application software for initiating a payment transaction with a remote system, a data interface for coupling the device to a host computer, a contactless interface for receiving payment token data from a contactless payment token, and a cellular network interface for communication of data over a cellular network. The application software is executed from the device when the device is connected to the host computer and configures the portable electronic device to initiate a payment transaction by receiving payment token data via the contactless interface means and transmitting said payment token data to the remote system via the mobile network interface means.

Abstract: In an electronic payment transaction, a mobile device captures customer payment token data using an integrated camera. A user is registered to initiate the payment transaction using a mobile payment application on the mobile device. The registration process involves retrieving customer data associated with the captured customer payment token data to pre-populate an enrollment form. The user authentication is provided by verifying input authentication data or by an existing mobile service application.

Abstract: In an electronic payment transaction, a mobile merchant device captures customer card details using an integrated camera. The customer enters card security details on a touch-screen of the mobile merchant device, which also captures fingerprint data from the customer. The fingerprint data are stored in a transaction record, for non-repudiation purposes.

Abstract: A system and method for facilitating upgrade transactions for certain purchased products is disclosed. Information regarding a purchased product may be stored in a database, and upgrade options and upgrade pricing information regarding the purchased product may be displayed to the customer. A mobile application may be used by the customer to purchase the original product, and the mobile application may further allow the customer to track upgrade options for the product and to initiate the upgrade transaction. When a customer initiates an upgrade transaction, an upgrade payment is matched to the originally purchased product. The upgrade payment may be sent from the mobile application. The system and method may then arrange for the return, or trade-in, of the originally purchased product as well as the delivery or pick-up of the upgrade product.

Abstract: A mobile wallet system providing contextual services to a consumer is described, comprising a mobile wallet on a mobile device associated with the consumer, a payment platform for processing payment transactions by the mobile wallet, a digital content service platform for providing digital content services to the mobile wallet, and an analytics platform for controlling the digital content services provided to the mobile wallet based on collected consumer data.

Abstract: A payment transaction system including a payment authentication token associated with a customer; and a payment platform associated with the authentication token, the payment platform storing a stored value payment account having a pre-paid stored value and information corresponding to a plurality of linked funding accounts. In response to a transaction authentication performed by the authentication token and transaction data associated with the transaction, the payment platform selects the stored value payment account or a linked account, and settles the transaction with the selected account.

Abstract: A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment transaction. In an embodiment, a user request for a payment account product is transmitted by the portable device to the middleware server. In response, the middleware server initiates a provisioning process for the requested payment account product, including storing status data indicative of an initiated state of the provisioning process. The middleware server then transmits a digital document to the portable device, including information that must be viewed by the user, and updates the status data indicative of a transmitted state of the digital document. In response to receiving an indication that the digital document has been viewed, the middleware server updates the stored status data indicative of a digital document viewed state.

Abstract: A system and method of providing receipt data for a payment transaction through a transaction receipt portal system are described, in which receipt data is stored for a completed payment transaction received from a remote merchant system, the receipt data being associated with a customer and a merchant registered with the system, and stored receipt data is provided to the associated registered customer or merchant. A card payment transaction involves receiving, by a computing device, an electronic receipt from the merchant system, the electronic receipt including data for retrieving stored receipt data from the transaction receipt portal system.

Abstract: A system and method of authenticating a payment transaction between a merchant and a customer in an electronic payment system are described. Transaction details presented by the merchant are received at a mobile electronic device, the customer is authenticated by means of an authentication token presented by the customer at an authentication terminal, and the geo-location of the mobile electronic device and the authentication terminal are compared to verify that the device and terminal are within a predefined geographical distance at the time the payment transaction is processed.

Abstract: A user establishes a verified online identity, for example by providing an identity token and biometric information, and an assurance level is established for that identity for use in an authentication service. Different assurance levels may be provided based on the degree of verification of the user's identity, for example by social network scoring, credit references, or by means of the identity token and biometric information.