Abstract: A transaction processing server acts as an identity aggregator and enables transactions between a user computing device and plurality of merchant servers. The transaction processing server receives a request from the user computing device to conduct the financial transaction with a merchant server. The transaction processing server determines a plurality of user identifiers identifying a user account associated with the user computing device at each of a plurality of online systems, where a first identifier is a transaction processing server identifier identifying a user account at the transaction processing server and a second identifier is a merchant identifier identifying a user account at the merchant server. Financial information is retrieved using the plurality of user identifiers.

Abstract: Disclosed is a process for mutual authentication of a user and service provider. The process receives, at a key generation module (KGM), a notification of an event generated at a computing device. The process transmits the notification of the event to an authentication server. A third party server receives a shared secret provided by a registered user for the event. The shared secret transmitted to the KGM by the authentication server. The KGM generates a one-time key for the event. The process appends the shared secret to the one time key to generate an appended key, which is transmitted to a registered user mobile device. The process authenticates the event in response to receiving a notification from the computing device within a predetermined time period indicating the one-time key was entered at the computing device.

Abstract: The present invention relates to a method and system for mutual authentication of a user and service provider, said method comprising acts of: authenticating an event by a key generation module (KGM), said event is generated on a computing device by a user, sending a shared secret of registered user for the event by an authentication server to the key generation module (KGM), generating one time key by the KGM for the event, transmitting the one time key by appending the shared secret to registered user mobile device, and performing at least one of: authenticating the user for said event by the KGM when a registered user enters the one-time key on the computing device within a predetermined time period, or terminating the event upon receipt of predefined key sequence from the mobile device.

Abstract: Methods and systems for transmitting a promotional message associated with a promotion to a mobile device are disclosed. The method includes assigning a phone number to a promotion, receiving a call to the phone number assigned to the promotion from the mobile device, registering the call as a missed call at the mobile device, and transmitting the promotional message to the mobile device in response to receiving the call. In some embodiments, the phone number assigned to the promotion is a toll-free number. In some embodiments, the promotion is a coupon, rebate, an electronic refund, or a promotional offer.

Abstract: Methods and systems relating to enabling a transaction are described. The system includes a point of access device comprising a magnetic card reader adapted to read financial data stored on a magnetic stripe of a card, a fingerprint sensor adapted to detect fingerprint data of a user, a processor adapted to generate an analog signal encoding the financial data and the fingerprint data. The system further includes a transaction processing system comprising an interface for receiving the analog signal and a processor for processing the analog signal and enabling the financial transaction based on the processed signal. The system may further include a mobile phone coupled to the point of access device. The mobile phone receive the analog signal from the point of access device and transmits the analog signal to the transaction processing system.