Abstract: Disclosed are various computer implemented devices, methods and readable mediums for security and authentication. In one aspect there is provided a wearable device for authenticating a user, including: one or more sensors for obtaining sensor data related to movement of fingers of the user wearing the wearable device to provide authentication data; and one or more processors configured to: receive the sensor data; interpret the sensor data using one or more classifiers to determine the authentication data; and use the authentication data to access a service.

Abstract: Disclosed are various computer implemented devices, methods and readable mediums for security and authentication. In one aspect there is provided a wearable device for authenticating a user, including: one or more sensors for obtaining sensor data related to movement of fingers of the user wearing the wearable device to provide authentication data; and one or more processors configured to: receive the sensor data; interpret the sensor data using one or more classifiers to determine the authentication data; and use the authentication data to access a service.

Abstract: A method, performed at a mobile device, for accessing a service, comprises: determining, from payment card information stored on or obtained at the mobile device, a list of services that are available in relation to the payment card; receiving a selection of one of the services; determining at least one corresponding communication channel by which the selected service is accessible; and opening the at least one corresponding communication channel to thereby access the service.

Abstract: Embodiments provide payment methods, server systems and devices for dynamically adapting a timeout period. The method includes receiving, by a server system associated with a payment network, a payment transaction request from a merchant interface. The payment transaction request includes a payment information and a payment card information of a user. After receiving the payment transaction request, a plurality of authentication options may be presented to the user for authenticating the payment transaction. The user may select an authentication option from the plurality of authentication options. A timeout period for authenticating a payment transaction is determined based on the authentication option selected by the user. The timeout period is determined using a set of predefined rules. Moreover, the timeout period may be dynamically adapted based on the authentication option and one or more of a plurality of timers, a plurality of usage analytics data and a user profile information.

Abstract: A server and method for processing a card-not-present transaction whereby a purchaser selects to use one or more friends' card to obtain a reward is disclosed. The server comprises at least a computer processor to: (i) receive, from a merchant server, a payment request including a contact mechanism for the friend(s); (ii) send a selection request to the friend(s) using the contact mechanism; (iii) receive, from the friend(s) a selection response including card number(s) eligible for the reward; (iv) request the issuer server(s) for authentication and blocking the amount; (v) track a cumulative amount dynamically and repeat steps (iii) and (iv) until equal to or greater than the payment amount; (vi) generate a virtual card number for one time use based on the card number(s); and (vii) send a payment response to the merchant server including the virtual card number for the purchaser to complete the transaction.

Abstract: The disclosure relates to identity authentication in electronic payment transactions.

Abstract: The disclosure comprises systems, methods and computer program products for identity authentication in connection with payment account information submitted for the purpose of network based electronic payment transaction(s). The disclosure comprises (i) receiving from a merchant server, (a) a name associated with a purchaser, and (b) a payment card number, (ii) retrieving a data record comprising a payment card holder name associated with the received payment card number, (iii) comparing the payment card holder name extracted from the retrieved data record with the name associated with the purchaser that has been received at the merchant server, and (d) responsive to a match between the payment card holder name extracted from the retrieved data record with the name associated with the purchaser that has been received at the merchant server, generating a positive identity authentication decision and transmit said identity authentication decision to the merchant server.

Abstract: A method for facilitating e-commerce transactions includes monitoring a purchase pattern of a user on various e-commerce interfaces for a first time-interval by a bot. The purchase pattern indicates frequency-of-use information of various payment options used by the user to make purchases within the first time-interval. The bot receives a user-profile of the user, when the user makes a first purchase through a first e-commerce interface after the first time-interval. Based on the user-profile and the purchase pattern, the bot retrieves a first set of payment options from the payment options. The bot customizes a payment interface to display the first set of payment options from an available set of payment options on the payment interface. The user selects one of the first set of payment options to perform an e-commerce transaction for the first purchase.

Abstract: Systems and methods are provided for executing logic to provide data aggregates. One example method includes receiving, at a computing device of a service provider, from a relying party, a request for a data aggregate for a user based on a logic, where the data aggregate is based on first data for the user, and identifying a control for the first data. The method further includes, upon satisfying the identified control, retrieving, by the computing device, the first data from a first source party, generating a neutral zone, and executing, in the neutral zone, the logic on the retrieved first data. The method then includes providing an output from the executed logic as the data aggregate to the relying party, but not the first data, whereby the data aggregate is provided in lieu of the first data. And, the retrieved first data is deleted by eliminating the neutral zone.

Abstract: System and method for facilitating electronic payment on delivery of a product. The system includes a merchant device; a manufacturer device that is in communication with the merchant device; and a courier device that is in communication with the merchant device. The merchant device is configured to: receive, from an issuer device that is in communication with the merchant device, a pre-authorization code in response to a request for pre-authorization of a transaction corresponding to an electronic payment request for the product; and generate a first machine-readable code having encoded thereon at least the pre-authorization code and an identifier corresponding to the product. The manufacturer device is configured to generate a second machine-readable code having encoded thereon at least the pre-authorization code and the identifier corresponding to the product.

Abstract: Data processing systems and methods for authenticating users are disclosed. In one embodiment a data processing system for authenticating a user of a device comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: determine authentication capabilities of the device, the authentication capabilities of the device comprising one or more authentication methods; determine a set of authentication options using the authentication capabilities of the device; send an indication of the set of authentication options to the device; receive an indication of a user selected authentication method from the device; generate an authentication data request corresponding to the user selected authentication method; send the authentication data request to the device; receive an authentication response from the device; and authenticate the user using the authentication response.

Abstract: A method and system are provided for authorizing an electronic transaction between two entities. The method includes receiving, at a verification module, coincidentally captured facial image data relating to both of the two entities and authenticating each of the two entities based on a comparison between the coincidentally captured facial image data and respective facial image templates relating to each of the two entities enrolled in a database. The method also includes retrieving, from the database, account data relating to each of the two entities based on the coincidentally captured facial image data, on determining that each of the two entities are positively authenticated, and generating an authorization message for authorizing the electronic transaction, where the authorization message comprises the account data relating to each of the two entities retrieved from the database.

Abstract: An apparatus for processing electronic payment transactions is provided. The apparatus includes a computer processor and a data storage device, the data storage device having an incoming and an outgoing transaction initiation module including non-transitory instructions operative by the processor to receive an order indication at a payment intermediary server, the order indication indicating an order by a customer having an order value amount, initiate a transaction from an account associated with the customer to an intermediary account for the order value amount, initiate a transaction from the intermediary account to an account associated with the merchant for a first portion of the order value amount, receive an order feedback indication, and initiate a further transaction or further transactions in response to the order feedback indication to transfer the second portion of the order value amount to the account associated with the merchant and/or the account associated with the customer.

Abstract: A payment network server for processing a payment transaction at a point-of-sale terminal is described. The server comprises a transaction module, a query module and a transfer module. The transaction module is configured to: (i) receive a payment transaction request comprising at least transaction details and a fund transfer indicator, the transaction details comprise at least a customer identifier, a merchant identifier, and a payment amount, the fund transfer indicator indicating that the payment transaction is to be processed by fund transfer; and (ii) transmit a payment transaction response indicating if the payment transaction is approved or refused to proceed.

Abstract: A method, performed at a mobile device, for accessing a service, comprises: determining, from payment card information stored on or obtained at the mobile device, a list of services that are available in relation to the payment card; receiving a selection of one of the services; determining at least one corresponding communication channel by which the selected service is accessible; and opening the at least one corresponding communication channel to thereby access the service.

Abstract: Embodiments provide methods and systems for performing an offline payment transaction in absence of network. In an embodiment, a communication channel is established between a merchant device and a user device for performing the offline payment transaction. The merchant device receives an electronic token from the user device. The electronic token includes an identifier for a payment account of a user, an offline balance amount associated with the payment account and a digital certificate representing authentication of the offline balance amount. The electronic token has a validity of a first threshold time period. The electronic token is verified with a decryption key available with the merchant device. The decryption key also has a validity of a second threshold time period. After a successful verification of the electronic token, the offline payment transaction is executed without connecting to a payment network, while the electronic token and the decryption key are valid.

Abstract: In one aspect, a method is provided for managing events which includes receiving a host request, through a host access terminal, the host request comprising one or more event constraints that at least partially define an event. The method also includes searching a database of service proposals to locate at least one service proposal complying with one or more of the event constraints; transmitting the at least one service proposal to the host access terminal; receiving at least one service proposal acceptance from the host terminal; and receiving client access details of one or more clients. Once client access details are received, a token is generated for each client, the token being for accessing one or more accepted service proposals and an event request is transmitted to each of the one or more client terminals, each event request comprising the requisite token.

Abstract: The invention provides systems, methods and computer program products for providing optimized customer support over data networks. In an embodiment the invention comprises implementing within a processor based computing system, the steps of (i) receiving voice data from a customer through a client terminal, (ii) converting the received voice data to text data, (iii) extracting one or more search parameters from the converted text data, wherein said extracted search parameters are based on at least one of a context or a subject identified from the converted text data, (iv) retrieving from a customer record database, at least one customer record that matches the extracted one or more search parameters, and (v) transmitting the retrieved at least one customer record to a customer service representative terminal for display to a customer service representative.

Abstract: The disclosure relates to identity authentication in electronic payment transactions.

Abstract: The disclosure comprises systems, methods and computer program products for identity authentication in connection with payment account information submitted for the purpose of network based electronic payment transaction(s). The disclosure comprises (i) receiving from a merchant server, (a) a name associated with a purchaser, and (b) a payment card number, (ii) retrieving a data record comprising a payment card holder name associated with the received payment card number, (iii) comparing the payment card holder name extracted from the retrieved data record with the name associated with the purchaser that has been received at the merchant server, and (d) responsive to a match between the payment card holder name extracted from the retrieved data record with the name associated with the purchaser that has been received at the merchant server, generating a positive identity authentication decision and transmit said identity authentication decision to the merchant server.