Abstract: A computer-implemented method of securely controlling access to data, the method including a consolidation server creating and securely storing a consolidated file labelled by a user device ID, including a first record including a first app ID and a first account ID, and a second record including a second app ID and a second account ID, transmitting encrypted data, including the consolidated file, to the user device, receiving encrypted data indicating a request to modify the first record from the user device, and responsive thereto, modifying the first record according to the request to modify the first record and securely storing a resulting modified first record, and transmitting to the first issuer server encrypted data, including the first app ID and the first account ID, indicating an instruction to modify the first app's access rights to data relating to the first account according to the request.

Abstract: A secure online payment system in which, upon initiation by a card holder of a payment operation to an online merchant, the card holder is directed to a wallet-hosting website which stores at least one digital wallet associated with the card holder. Each digital wallet is associated with at least one payment card associated with the card holder, and the website has access to database storing payment card data relating to the payment card. At the website, a card holder authentication process is performed. Upon successful authentication, payment card data is extracted from the database, and a successful authentication indicator message is generated and returned to the merchant. The successful authentication indicator message includes the payment card data, code indicating that the card holder has been successfully identified, and code indicative of the fact that the payment card is registered in the wallet.

Abstract: A computer-implemented method of securely controlling access to data, the method including a consolidation server creating and securely storing a consolidated file labelled by a user device ID, including a first record including a first app ID and a first account ID, and a second record including a second app ID and a second account ID, transmitting encrypted data, including the consolidated file, to the user device, receiving encrypted data indicating a request to modify the first record from the user device, and responsive thereto, modifying the first record according to the request to modify the first record and securely storing a resulting modified first record, and transmitting to the first issuer server encrypted data, including the first app ID and the first account ID, indicating an instruction to modify the first app's access rights to data relating to the first account according to the request.

Abstract: A secure online payment system in which, upon initiation by a card holder of a payment operation to an online merchant, the card holder is directed to a wallet-hosting website which stores at least one digital wallet associated with the card holder. Each digital wallet is associated with at least one payment card associated with the card holder, and the website has access to database storing payment card data relating to the payment card. At the website, a card holder authentication process is performed. Upon successful authentication, payment card data is extracted from the database, and a successful authentication indicator message is generated and returned to the merchant. The successful authentication indicator message includes the payment card data, code indicating that the card holder has been successfully identified, and code indicative of the fact that the payment card is registered in the wallet.