Abstract: A method for disabling a device associated with a virtual identity may include receiving, from the device, a request to use the virtual identity, where the request that may include a passcode guess and a device identifier. The method may also include determining that the passcode guess does not authorize use of the virtual identity and incrementing a number of incorrect passcode guesses received within a time interval. The method may additionally include determining that the number of incorrect passcode guesses received within the time interval is greater than or equal to a threshold. The method may further include storing an indication that subsequent requests associated with the device identifier should not authorize use of the virtual identity.

Abstract: A method of processing a digital invoice may include receiving, at the access device, a digital invoice for the transaction; sending, from the access device to an identity repository, information associated with the digital invoice; receiving, from the identity repository, a first signature for the digital invoice; providing, by the access device, a second signature for the digital invoice; and sending, from the access device, the first signature and the second signature for use in the transaction.

Abstract: According to an embodiment of the present invention, a method for determining a transaction authentication level includes receiving transaction information associated with a transaction between a user and a relying party, receiving relying party preferences, and determining a relying party authentication level based on the transaction information and the relying party preferences. The method also includes accessing user preferences, and determining a user authentication level based the transaction information and the user preferences. The method further includes determining the transaction authentication level using the user authentication level and the relying party authentication level.