Abstract: The present invention provides a method and system for verifying and tracking transactional information. In an embodiment of the invention, a system for delivering security solutions is provided that includes at least one of the following: a radio frequency (RF) identification device, an identification mechanism (e.g., a card, sticker), and an RF reader.

Abstract: The present invention provides a method and system for verifying and tracking identification information. In an embodiment of the invention, a system for delivering security solutions is provided that includes at least one of the following: a radio frequency (RF) identification device, an identification mechanism (e.g., a card, sticker), and an RF reader.

Abstract: The present invention provides a method and system for verifying and tracking identification information. In an embodiment of the invention, a system for delivering security solutions is provided that includes at least one of the following: a radio frequency (RF) identification device, an identification mechanism (e.g., a card, sticker), and an RF reader.

Abstract: The present invention provides a method and system for verifying and tracking identification information. In an embodiment of the invention, a system for delivering security solutions is provided that includes at least one of the following: a radio frequency (RF) identification device, an identification mechanism (e.g., a card, sticker), and an RF reader.

Abstract: A user accesses a merchant system website via a user computing device, selects items for purchase, and selects an option to checkout using a digital wallet account. The user selects payment information associated with a payment card device for use in an online transaction. The merchant system transmits an unpredictable number to the user computing device. The user taps the payment card device to the user computing device to establish a wireless communication channel over which the payment card device receives the unpredictable number. The payment card device transmits payment card information and a check sum calculated from the unpredictable number and by the payment card device to the merchant system via the user computing device. The merchant system transmits the check sum and payment card information in a transaction authorization request to the issuer system, which verifies the check sum using the shared secret and the unpredictable number.

Abstract: Described is a proactive digital currency (PDC) system and method. In an embodiment, the PDC system operates using a plurality of ledger servers. Thereafter, the user can use a secret sharing protocol to transfer coins amongst users of the PDC system. In doing so, the system receives, at the plurality of collectively operated ledger servers, a first address of the first user, a second address of the second user, and a secret share of each bit in a binary representation of the transaction value. The secret share conceals the transaction amount. The ledger servers verify that the transaction value will not overdraw a balance ledger associated with the first address of the first user. The transaction value and a transaction fee are subtracted from the first address of the first user, with the transaction value being added to the second address of the second user.

Abstract: Making a payment using a payment plug-in is disclosed, including: receiving a payment request from a device; receiving an indication that the payment plug-in is not installed at the device; determining that the device has received the payment plug-in, wherein the payment plug-in is configured to be installed at the device; receiving an activation message from the payment plug-in, the activation message including at least an attribute associated with the device; determining a stored user account that matches the attribute associated with the device; and receiving from the payment plug-in a confirmation to process the payment request based at least in part on the matching user account.

Abstract: A method for distributing content. The method distributes a single media storage structure to a device (e.g., a computer, portable player, etc.). The media storage structure includes first and second pieces of encrypted content. Based on whether the device is allowed to access the first piece of content, the second piece of content, or both, the method provides the device with a set of keys for decrypting the pieces of the content that the device is able to access. The provided set of keys might include one or more keys for decrypting only one of the two encrypted pieces of content. Alternatively, it might include one or more keys for decrypting both encrypted pieces of content. For instance, the selected set of keys might include a first key for decrypting the first encrypted piece and a second key for decrypting the second encrypted piece.

Abstract: In various embodiments, a system, method, and computer readable medium (collectively, the “System”) for authenticating a mobile device configured to initiate payments is provided. The System may be configured to perform operations and/or steps comprising receiving, by the processor and in a secure environment, a secret element. The secret element may be transmitted to the processor (e.g., the issuer system) via a payment terminal. The System may further comprise comparing, by the processor and in the secured environment, the secret element to an issuer element. The issuer element may be linked with a flag that is associated with the transaction account. Moreover, the issuer element may be a data module that corresponds to be is not equal to the secret element. The System may also comprise authorizing, by the processor, a transaction initiated by the mobile device in response to the comparing being a satisfactory comparison.

Abstract: This disclosure is directed to, in part, providing a third party with access to at least some information in a user's account maintained by a host. The agent may assist a user in selecting an item, purchasing the item, customizing the item, and/or performing other actions. The agent may interact with the user during the assistance. In various embodiments, the user may provide the agent with a token that allows the agent to gain at least temporary access to at least a portion of the user's account. In some instances, the agent may purchase the item for the user using information in the user's account, such as payment information, shipping address information, and/or other information. The agent may place an item, such as a special order item in a virtual shopping cart or other location, which may be stored with the user's account.

Abstract: A method of authorizing a debit transaction involves a server receiving from a debit terminal a message requesting authorization for a debit transaction. The message includes a credential provided by a payment token interfaced with the debit terminal. The credential is uniquely associated with the token. The server is in communication with a payment definition database that associates a plurality of payment credentials each with a respective financial account and a default payment amount. The server determines the financial account and the default amount by querying the database with the received credential. Particulars of the determined financial account and default amount are indeterminable from only the credential. The server authenticates the message and facilitates a debit in the default amount from the financial account. The server performs the receiving, determining, authenticating and facilitating all without confirmation of authentication of a bearer of the token.

Abstract: A cloud service integration pay trading system includes a trust certificate platform, an identity provider platform, at least one user terminal and a cloud platform. Each user terminal can log in the cloud platform to purchase services from the trust certificate platform by using a cloud account being registered in the identity provider platform. When in transaction, the request for consumption from the trust certificate platform is transmitted by the identity provider platform to the cloud platform, allowing the user terminal to use the money flow service of the cloud platform to pay the amount charged.

Abstract: A wireless connection may be established between a mobile device and a reader device and/or a sensor. The reader device and/or sensor may authenticate the mobile device. The reader device and/or sensor may receive a credential or token from the mobile device. An action may be performed based on certain criteria such as if the credential or token is valid.

Abstract: Methods and apparatuses, including computer program products, are described for secure validation of financial transactions. A server computing device registers a mobile device to receive notification messages from the server computing device. The server computing device transmits a notification message via a first communication channel to a notification agent executing on the registered mobile device, where the message identifies activity associated with a financial account of a user of the registered mobile device. The server computing device receives a response to the notification message via a second communication channel from an application executing on the registered mobile device, if the notification message requires a response. The server computing device stores the response in a database coupled to the server computing device, and determines whether to (i) allow, (ii) deny, or (iii) deny and report as fraud the identified activity based upon the response.

Abstract: An online marketplace of digital goods is provided. A digital good proposed to be listed in the marketplace is received, where the source code for the received digital good includes scripting language code. The source code of the received digital good is rewritten to include tracking code to track behavior of the received digital good during execution of the re-written digital good, and the rewritten digital good is executed in a browser run by one or more processors of a computer system. One or more processors of the computer system automatically determine, based on evaluation of results of executing the re-written digital good, whether the digital good violates one or more predetermined conditions. Based on the determination of whether the digital good violates one or more of the predetermined conditions, an automatic determination is made whether to list the received digital good in the marketplace.

Abstract: Embodiments of the disclosure relate generally to methods and systems for delivering digital or media content to a mobile device and associating the digital rights for the content with an identifier of the mobile device or user of the mobile device. In some embodiments, a clearing house may store the digital rights for the content and provide authorization for delivery requests from the mobile device. In some embodiments, the mobile device may receive the content via communication with one or more of: the clearing house, a media provider, and/or a transport provider.

Abstract: Systems and methods are provided for facilitating guided entry of a passcode. The exemplary guided passcode entry system provides additional security to traditional secret PIN or passcode entry systems by generating a randomized input sequence (order of entry) and prompting a user to input a passcode according to the randomized input sequence. The system also causes a test of the user's input data against a database of passcodes associated with the particular user for an exact match. The testing step can include comparing characters of the input data to a particular passcode associated with the user which is stored in a database in accordance with the randomized input sequence in regard to the order that the input data was received. Based on the comparison of the received passcode to the stored passcode, the system can advance a transaction with the user.

Abstract: The invention relates to a system and method providing access of one or more heterogeneous digital contents to at least one offline Digital Rights Management (DRM) user by a DRM server. This invention involves establishing the trust relationship among the DRM server, DRM client, user's machine and the end user by means of digital certificate. The server generates protected digital content by means of using a standard encryption algorithm. The invention further involves determining whether a license for accessing the protected file is requested by the legitimate user, and if so, generating a license consisting the user rights and the protected decryption key to be downloaded by legitimate user. The DRM client decrypts the protected file using a decryption key of the license, and renders the content to the end user by calling the appropriate and customized viewer during consumption.

Abstract: According to an embodiment, access to an online resource is enabled by associating a telephony number with a network resource that is made available at a network location, where network resource is protected so as to be inaccessible without access being provided for users individually. A particular user may be detected in initiating a telephony session using the number. Access to the network resource may be activated or authorized for the particular user in response to detecting the user initiating the telephony session.

Abstract: Computing devices having access control are disclosed. The computing device may include a display, one or more processors, a non-transitory storage media, a communication interface, and an operating system. The storage media may include instructions stored therein that are configured to be executed by the one or more processors. The stored instructions may include instructions for reading an identifier (ID) of a physical key via the communication interface. The stored instructions may additionally include instructions for determining whether the ID read from the physical key is included on a list of paired physical keys. The stored instructions may further include instructions to communicate to the operating system an authorization signal equivalent to input of a valid password when the ID read from the physical key is included on the list of paired physical keys.