Abstract: A system for providing authentication is disclosed. The system includes a server configured to present an image to the user via a computer, the image having information embedded therein, and a portable device configured to: allow the user to capture the image, store predetermined information, capture input information from the user, the input information to be used to ensure that the user is authorized to use the portable device, and generate an output based on the information embedded in the image and the predetermined information. The server is further configured to receive the output from the portable device and authenticate the user based on the output. Once the user is authenticated, the user is allowed to access a website via the computer to conduct a transaction with respect to an account associated with the user.

Abstract: A method for obtaining an approval of an electronic fund transfer (EFT) disbursement file from a user of a remote system and transferring the EFT disbursement file to a payments processor. The method comprises generating a digest, by performing a hash of the EFT disbursement file, and transferring the digest to the remote system along with authorization control code. The authorization control code drives the remote system to obtain a digital signature of authenticated attributes, which includes the digest, and generate an authorization response. The method further comprises receiving the authorization response from the remote system and transferring an electronic funds submission to the payments processor. The electronic funds submission comprises the payment transaction file and at least a portion of the authorization response comprising the digital signature.

Abstract: A method, a data structure, a computer program product and a computer-readable medium for handling license agreements for multiple software packages in a computer system, each software package being identified by a unique package ID and comprising one or more components.

Abstract: A short-range transaction system enables a user to conduct transactions with a self-service terminal in a user-friendly environment without using currency. The user carries a portable smart card, which interacts with a mobile phone. After authentication via an RFID connection, the device MAC address and a security key (K) are imprinted in the card. In operation, the user waves the smart card past the self-service terminal and activates an RFID connection. The terminal sends the card a random number. The card returns the MAC address and a result (RES) computed using the hash value and the security key. The terminal using the MAC address and security key establishes a secure connection with the device. The terminal downloads the user's transaction interface from the device and displays the user interface at the self-service terminal. The user completes a transaction at the terminal via the user interface.