Abstract: A computer enabled system for facilitating electronic micropayments in which an accounting application receives a vendor submission a remote vendor server via a public communications network. This includes identifiers for the vendor, the customer and an item selected by the customer. The accounting application then checks the status of the customer's account. If it has sufficient funds, the transaction proceeds. The customer account is conditionally debited, and the vendor account conditionally credited with the transaction amount, including fees. A transaction confirmation is sent to the vendor application which then confers usage rights for the item to the customer. The accounting application periodically reconciles the vendor and customer accounts, deducts any service fees, and makes a single payment to each vendor. This single payment only incurs a single per-transaction credit-card company fee, thereby spreading it across multiple purchases and clients, making micro-transactions profitable.

Abstract: A system may include a point-of-sale system that gathers payment card track data from a payment card and a payment gateway that processes the track data to authorize purchase transactions. Discretionary data in a discretionary field of the track data may be compressed to create space that may be used to accommodate additional security data. The sensitive information may be moved to the discretionary field. The compressed discretionary data and the sensitive information may be encrypted using a structure preserving encryption algorithm and a managed encryption key. The managed encryption key or other additional security data may be added the discretionary field. Track data that has been modified in this way may be conveyed to the payment gateway for processing. The payment gateway may extract the key management data, decrypt the encrypted data, and reconstruct the original track data by decompressing the discretionary data and replacing the sensitive track data.

Abstract: Disclosed are a system and a method for servicing a customized mobile content that can allow a user to easily download and use various mobile contents regardless of a type of his/her own terminal by: verifying user information by using metadata and a template that are stored in advance from information published by a content publishing institution, generating a mobile content suitable for types of the content publishing institution and a user terminal and transmitting the generated mobile content to the user terminal, downloading the mobile content through a program for the mobile content installed in the user terminal, and displaying the downloaded mobile content to the user.

Abstract: A method of downloading an electronic product to a pin-pad terminal involves the pin-pad terminal transmitting to a network gateway a transaction proposal for an electronic product from a network device, and receiving from the network gateway a transaction proposal response generated by the network gateway in response to the transaction proposal. The transaction proposal response includes a transaction pointer associated with the electronic product. The pin-pad terminal electronically directly transmits to an electronic cash register coupled to the pin-pad terminal an indication of a payment amount for the electronic product. The pin-pad terminal receives from the electronic cash register confirmation of entry of the electronic product in an electronic shopping basket maintained by the electronic cash register, and transmits the transaction pointer to the network device via the network gateway. The pin-pad terminal receives the electronic product from the network device via the network gateway.

Abstract: Methods, computer program products and systems are described for computer implemented online-content management. Multiple online content items authored by multiple authors for online publication are received at one or more first computers. For each online content item, a reputation score is determined for the author corresponding to the online content item. The reputation score is based at least in part on one or more reviews of the online content item provided by one or more reviewers other than the author. An online content item from the multiple online content items is published for display on one or more second computers, which includes displaying an advertisement in conjunction with displaying the online content item. A share of revenue for the author of the online content item for displaying the advertisement is determined based at least in part on the reputation score of the author.

Abstract: Methods, systems, and devices are disclosed for using a payment processing network as an authorization engine to access secure physical areas, such as college dormitories, office buildings. A keycard with a cryptogram generator is presented by a user to an access device, and the access device or associated computer sends an access request message formatted like a payment authentication request message to an aggregator/acquirer and payment processing network. The payment processing network validates the cryptogram and returns an access response message, again formatted like a payment authorization response message, indicating that the keycard is authentic. The gate, door, turnstile, or other barrier is then temporarily unlocked to let the user through.

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.

Abstract: Systems and methods are disclosed to provide an animated 2D barcode check that is used to securely and efficiently transmit financial information between mobile devices. The financial information includes a check written by a payer and transmitted to a merchant. The check includes account information of the payer and of the merchant with a payment service provider, a payment amount, and a cryptographic signature that has been certified by the payment service provider. The payer's mobile device encodes the check into a sequence of 2D barcodes and displays the sequence of 2D barcodes in a loop that is scanned by a camera on the merchant's mobile device. The merchant uses the cryptographic signature to verify the validity of the signature on the check without having Internet connectivity to the payment service provider. The merchant may later present the check to the payment service provider to receive payment.

Abstract: A method for providing social network payments includes receiving a request to make a payment. The request is associated with a social network payer and a social network payee. It is determined that the social network payer is associated with a first payment provider identifier and an authorization token, and a second payment provider identifier for the social network payee is then retrieved using the authorization token. An instruction to make a payment from the social network payer to the social network payee is then transmitted to a payment service provider. The instruction includes a payment amount, the first payment provider identifier, and the second payment provider identifier. A payment alert is also adapted for a payee social network associated with the social network payee, and the payment alert is send to a social network provider device associated with the payee social network.

Abstract: A method, an information handling system (IHS), and a computer program product initiates injection verification to determine whether a key injection procedure to support automated system activation within a target IHS was completed successfully. An injection verification module (IVM) compares a copy of a selected and limited character sequence for a unique digital product key (DPK) utilized during key injection to a character sequence reported by an operating system (OS) image on a selected, target IHS. If the selected character sequence matches the reported character sequence, the IVM identifies the selected information handling system as a “passing” system on which the key injection procedure was successfully performed. If the selected character sequence for the unique DPK does not match the reported character sequence, the IVM identifies the selected information handling system as a “failing” system on which the key injection procedure was not successfully performed.

Abstract: Techniques for providing information to a user without requiring the user to authenticate are described herein. In some instances, a user enters a payment identifier for the purpose of determining a fully-landed cost of one or more items. In response, a transaction processing service compares item details with information associated with the payment identifier and/or information about the owner of the identifier. The service may then provide this identifier-specific fully-landed cost to the user without requiring the user to authenticate or prove that she is the owner of the payment identifier.

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: A computing device having a software radio (e.g., a mobile device where the software radio is substantially defined in software) transmits first information related to a financial transaction over the first radio network to the financial institution, and transmits second information related to the financial transaction over the second radio network to the financial institution. A server of the financial institution receives the first information and the second information to carry out the financial transaction.

Abstract: The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.

Abstract: The different advantageous embodiments provide a system for managing license utilization comprising a client system, a number of message transport servers, and a number of license management servers. The client system is configured to generate a number of messages having information about usage associated with a project code or a business unit. The number of message transport servers replicates the number of messages. The number of messages is transmitted to a message transport server in the number of message transport servers. The message transport server receiving the number of messages replicates the number of messages to each message transport server. The number of license management servers has a number of license management services configured to listen for updates from the number of message transport servers. The updates are the number of messages replicated across the number of message transport servers.

Abstract: A system and method provide efficient, secure and highly reliable authentication for transaction processing and/or access control applications in which only biometric input is required from the user. A Personal Digital Key stores a biometric profile that comprises a representation of physical or behavioral characteristics that are uniquely associated with an individual that owns and carries the PDK. The PDK wirelessly transmits the biometric profile over a secure wireless transaction to a Reader for use in a biometric authentication process. The Reader compares the received biometric profile to a biometric input acquired at the point of transaction in order to determine if the transaction should be authorized.

Abstract: Systems, methods, and program products for providing secure authentication for electronic messages are disclosed. A method may comprise generating an asymmetric private key based at least in part upon an invariant biometric feature vector derived from an input biometric reading. The private key may be further based at least in part upon a user password. The resulting private key may not be stored but rather may be generated when required to authenticate an electronic message, at which time it may be used to provide a digital signature for the electronic message. The private key may be deleted after use. The private key may be regenerated by inputting both a new instance of the biometric reading as well as a new instance of the password.

Abstract: A content receiving apparatus including a receiver receiving first contents from a broadcasting station, a temporary memory unit temporarily storing first contents-related information related to the first contents, a memory storing the first contents and storing, based on an input recording request, the first contents-related information; and the memory storing a plurality of second contents and a plurality of second contents-related information received from a server, the second contents-related information being related to the first contents, and displayable.

Abstract: A communication control device configured to access an information processing apparatus in which data is stored. The device and method acquires an operational condition of an information processing apparatus, and notifies the information processing apparatus of a security command for causing the information processing apparatus to execute a security process on the data in an event that an operational condition is activated and, in an event that the operational condition is a standby mode, a hibernate mode, or a shutdown mode, notifies the information processing apparatus of an activation command for activating the information processing apparatus, and notifies of a security command for causing the information processing apparatus to execute a security process on the data.

Abstract: A system that supports multi-stage transactions through the use of biometric tokens, such as fingerprint images or iris scans. A user pre-stages a transaction by providing transaction details that can be used a later time to complete the transaction, and the system stores the transaction details in a transaction record that is identified by a biometric token captured from the user. In some systems, the biometric token is captured as part of the pre-staging process. In other systems, the biometric token is retrieved from a data store after the user has provided authentication information, such as a bank card or user-identification code coupled with a secret PIN code. When the user is ready to complete the pre-staged transaction, the system captures a second biometric token from the user and matches the second token to the one identifying the user's transaction record. The transaction details contained in that transaction record are then used to complete the user's transaction.