Abstract: A method and system may provide a secure credit card payment service which allows a merchant to store credit cards without storing credit card data on merchant servers. The customer provides a credit card by specifying customer data such a nickname for the credit card, a billing address, a billing phone number, a credit card company that issued the credit card, etc., as well as credit card data such as a credit card number, a credit card expiration date, a credit card service code, etc. The customer data may be received and stored at a merchant server, while the credit card data may be received and stored at a separate token server, which generates a token to represent the credit card data. The token may be stored at the merchant server and used to access the credit card data from the token server.

Abstract: Systems and methods are disclosed which facilitate transfer of licenses corresponding to hosted services. Customers may purchase licenses to services implemented by a hosted computing environment. Thereafter, customers may elect to transfer all or a portion of that license to a second customer. In some embodiments, a customer may transfer the entirety of their service license. In other embodiments, a customer may transfer only a portion of their service license. In still more embodiments, a customer may temporarily transfer a license. For example, a customer may transfer a license only when they are not using the license.

Abstract: A payment card system uses a static payment card identifying number and generates, for each attempted transaction, an authentication cryptogram based at least upon a seed value stored within the payment card and further based upon a temporal signal value that changes for each attempted use of the payment card. The authentication cryptogram may be alpha-numerically encoded, preferably using a radix-32 coding to provide 5-bits of information for each character or symbol, and may be communicated in a 26-character payment card account name field instead of communicating a payment account name in said payment card account name field, to thus convey up to 130-bits of information while maintaining compatibility with existing point-of-sale equipment and payment system infrastructure.

Abstract: Securing the manufacturing supply chain with digital certificates. A token is coupled to a manufacturing station and enabled via a personal identification number. The token includes a counter limiting the maximum number of certificates to be signed, and compares a serial number of a digital certificate to a tracked serial number. In some embodiments, the token is linked to a particular manufacturing station once the token is enabled.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for performing preliminary steps of a transaction on a mobile device. In some embodiments, a system is configured to: determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; transmit a form to the user's mobile device, the form being based on the intended transaction, and the form prompting the user to input information associated with the intended transaction; receive the user-filled form from the user's mobile device.

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 the user to input the 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 the 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 pin to the stored pin, the system can advance the transaction with the user.