Abstract: An electronic device and an authentication method thereof are disclosed herein. The electronic device includes a sensor module, a network module, at least one processor and a non-transitory computer-readable medium. The non-transitory computer-readable medium stores a first prestored biometric signature and computer-executable instructions to be executed by the at least one processor for performing the authentication method, in which the first prestored biometric signature is verified and issued by a first payment service. The authentication method includes the following steps: detecting a first biometric signature by the sensor module; determining whether the first biometric signature matches the first prestored biometric signature; authenticating the first payment service if the first biometric signature is determined to match the first prestored biometric signature; and transmitting or receiving data corresponding to the first payment service by the network module.

Abstract: A system and method provide content review, distribution, ranking and access and automate creation and performance of contests among sets of content-based contestants. The system and method provide customizable interactive, ongoing, multi-level, multi-round contests with expert review of and filtered submission of content-based contestants. Among other advantages, providers may use the system and method to obtain expert and consumer review and ranking of their content.

Abstract: Techniques are described for facilitating use of sequences of invocable services in a configurable manner, including by providing a metering service that tracks the use of invocable services by other invocable services or applications. In at least some situations, the invocable services are fee-based Web services or other fee-based network-accessible services, and are made available by providers of the services for use by others in exchange for fees defined by the service providers. The described techniques facilitate use of a sequence of such invocable services by applications in a manner configured by the creators of the applications and providers of the services, including to allow the application creators to define pricing terms that will be used to determine fees that end users of the applications will be charged for use of the invocable services via the applications.

Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data.

Abstract: A method for securing a transaction in a reputation system includes the following steps: authenticating a user vis-à-vis an end device by means of an electronic proof of identity for releasing authentication data for the digital identity that are stored on the end device, and authenticating the digital pseudonym assigned to the user vis-à-vis the reputation system by means of the end device while employing the stored authentication data pertaining to the digital pseudonym. The electronic proof of identity can be present as an electronic identity card in the form of a portable data carrier.

Abstract: Methodologies, systems, and computer-readable media are provided for generating redeemable electronic fuel codes and validating fuel payments at a fuel point of sale terminal. An enterprise can be configured to receive an indication of fuel purchase request and can request authorization from a financial institution or account associated with at least one individual. If the payment is authorized, the enterprise can generate a purchase authorization for the amount of fuel requested and create an encrypted electronic fuel code that can be transmitted to the individual and used for redeeming fuel at a fuel point of sale terminal associated with the enterprise. An enterprise can be configured to sell fuel to at least one individual using a phone number and a unique security PIN at a fuel point of sale terminal, such that the at least one individual is billed for the fuel purchase via their phone service provider.

Abstract: Embodiments of the invention are directed to methods, apparatuses, computer-readable media, and systems for securely processing remote transactions. One embodiment is directed to a method of processing a remote transaction initiated by a communication device. The method comprising a server computer receiving a payment request including encrypted payment information that is encrypted using a first key. The encrypted payment information including security information. The method further comprises decrypting the encrypted payment information using a second key, obtaining an authentication response value for the remote transaction from an authentication computer associated with an issuer, updating the decrypted payment information to include the authentication response value, re-encrypting the decrypted payment information using a third key, and sending a payment response including the re-encrypted payment information to a transaction processor.

Abstract: A system to present secure expandable advertisements using an API and cross-domain communication. A content publishing system that hosts a website can implement an expandable advertisement using IFRAMEs that are expanded upon receiving an API call from a third party rich media vendor that hosts the expandable advertisement when the content publishing system and the third party media vendor are of differing domains.

Abstract: The present disclosure is directed toward systems and methods for facilitating anonymous communications between a user and a merchant via a social networking system, wherein the user's identifying information is obfuscated from the merchant.

Abstract: Systems and methods for multi-merchant tokenization may include receiving a transaction from a point of sale terminal of a merchant, validating the merchant ID against merchant logs, and generating a token for the transaction. The token includes a primary account number, expiration, and a group ID. Additionally, the system provides the primary account number to a payment system and receives a response back. The response is then output back to the merchant along with the token. In subsequent transactions, the system may receive the token from a one point of sale terminal of the merchant. The system validates the merchant ID against merchant logs and ensures the merchant is configured for tokenization. The token is decrypted and the group ID is compared to the merchant ID in the merchant logs. When they match, the primary account number is provided to the payment system for approval.

Abstract: Systems and methods for storing cardholder data and processing transactions are provided. Cardholder data is received at a server computer, the cardholder data including consumer credentials to be stored and at least one data item not to be stored. A unique consumer reference token is obtained and combined with the data item not to be stored and the combination encrypted to form an encrypted token. The encrypted token is transmitted to a third party for storage and is erased from the server computer. At the time of transaction, the encrypted token is received and decrypted to yield the data item not to be stored, so that a transaction can be initiated using stored consumer credentials and the data item not to be stored. The unique consumer reference token encrypted together with the data item enables the server computer to perform validation checks on the encrypted token.

Abstract: A system and method for token-based transactions to facilitate non-cash payments without using personally identifiable information data is disclosed. The system generally includes at least one computer processor and a module, which when executed by the at least one computer processor, causes the computer processor to exchange data representative of a request for identification with a computing device of a Payer Entity. The computer processor generates a signed Digital Debt Obligation, including purchase metadata comprising currency and at least one preferred payment provider, and sends the signed digital debt to the computing device of the Payer Entity. The computer processor receives data representing an approved Digital Debt Obligation from the computing device of the Payer Entity and verifies the approved Digital Debt Obligation. The computer processor sends data representative of the approved Digital Debt Obligation to a Payment Processor and queries the Payment Processor for supported payment methods.

Abstract: Certain exemplary embodiments relate to techniques for processing PIN-inclusive transactions in connection with an electronic device or terminal, e.g., where PIN code encryption keys are not necessarily stored on the electronic device or terminal, and/or where payment instrument data is maintained in a separate system from PIN code data at least until certain elements are combined in a highly secure system for submission to an electronic funds transfer network. One or more separate or physically separated systems may be used in this regard, e.g., taking advantage of more prevalent computer networks such as the Internet. Similarly, the ability to provide less expensive terminals or electronic devices at a point-of-sale, point-of-purchase, etc., may be advantageous. The interchange rate is not necessarily driven up in certain example instances.

Abstract: Techniques are provided for streaming digital media content. In one embodiment, metadata associated with a digital media content title is retrieved prior to receiving any user request to play the digital media content title. Upon receiving a user request to play the digital media content title, a license is requested based on the retrieved metadata. Upon receiving the license, streaming playback of digital media content title begins.

Abstract: A payment device is provided for use in transactions such as credit purchases at a retail store. The device includes a non-volatile memory containing a set of multiple identifiers that are associated with a customer account. The multiple identifiers are also known to an agency that provides the customer account. The device further includes a processor operable to select one identifier out of the set of multiple identifiers for use with any particular transaction involving the device and the customer account. This identifier is then conveyed from the device, typically via a store terminal, to the agency that maintains the account.

Abstract: A computer server includes a transaction processor that is configured to receive from a POS terminal an incoming authorization request that includes an original numeric value, a token cryptogram and an identification number identifying an identity token; confirm that the token cryptogram was generated from the original numeric value and a cryptographic key associated with the token; determine primary and secondary numeric values from the original numeric value and a user profile associated with the identification number; confirm that the secondary numeric value is not greater than the balance in a loyalty points account associated with the identification number; transmit to an authorization server a revised authorization request that includes the identification number and the primary numeric value; and receive from the authorization server a confirmation message confirming that the primary numeric value is not greater than the balance in a payment account associated with the identification number.

Abstract: An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

Abstract: Methods, systems, and machine-readable media are disclosed for handling information related to a transaction conducted with a presentation instrument at a POS device. Extended application IDs and dynamic cryptograms are used for the transaction. According to one embodiment, a method of processing a financial transaction for an account having a primary account number (PAN) can comprise detecting initiation of the transaction with the presentation instrument, and providing from the presentation instrument to the POS device a list of one or more applications IDs. Each application ID identifies an application that can be used to communicate data concerning the transaction between the presentation instrument and the POS device. The POS device selects one of the application IDs and returns it to the presentation instrument. Under the control of the selected application, the presentation instrument generates a Dynamic Transaction Cryptogram (DTC) and a dynamic PAN that are each valid for only a single transaction.

Abstract: There is provided a system and method for an interoperable keychest. There is provided a method for use by a central key repository (CKR) or keychest to provide content access authorizations to distributors, comprising receiving a key information file including a first encrypted second key for decrypting with a first key and a content identification, decrypting the first encrypted second key using a first key to retrieve the second key, receiving, from a distributor, a key request including the content identification, encrypting the second key using a third key to generate a second encrypted second key, and transmitting the second encrypted second key to the distributor in response to the receiving of the key request. In this manner, key management for protected distributors using different DRM schemas or systems may be simplified and made interoperable.

Abstract: There is provided a system and method for an interoperable keychest. There is provided a method for use by a central key repository (CKR) or keychest to provide content access authorizations to distributors, comprising receiving a key information file including a first encrypted second key for decrypting with a first key and a content identification, decrypting the first encrypted second key using a first key to retrieve the second key, receiving, from a distributor, a key request including the content identification, encrypting the second key using a third key to generate a second encrypted second key, and transmitting the second encrypted second key to the distributor in response to the receiving of the key request. In this manner, key management for protected distributors using different DRM schemas or systems may be simplified and made interoperable.