Abstract: Offline processing of biometrically-enabled payment transactions are disclosed. A method may include a biometric processor computer program: receiving a biometric payment request from a user electronic device comprising transaction information for a transaction at a payment terminal for a merchant that does not have an active connection with the biometric processor computer program or with an acquirer for the merchant; receiving, from the user electronic device, a user biometric; retrieving a financial instrument associated with the user biometric; providing the financial instrument and the transaction information to the acquirer that decisions the transaction and returns an approval for the transaction; and returning the approval and the financial instrument to the user electronic device. The user electronic device generates a code comprising the financial instrument and the approval and presents the code to the payment terminal, and the payment terminal processes the transaction as an offline approval.

Abstract: Systems and methods of generating user identity packets using biometrics are disclosed herein. An example method includes generating a user identity packet. The user identity packet is generated by verifying that data stored on a near-field communication (NFC) chip of an identification document has not been tampered with, and confirming an identity of an owner of the identification document using both a current biometric and a baseline biometric stored on the NFC chip. The user identity packet is stored on a mobile device. The user identity packet is provided in place of the identification document when a requester has asked for the identification document.

Abstract: Self-sovereign identity systems and methods for identification documents are disclosed herein. An example method includes transmitting data obtained from a near-field communications (NFC) chip of an object to the service provider. The data can include identifying information for an owner of the object. The method can include receiving a user identity packet from the service provider that is generated by the service provider based on verification of an identity of the owner and validity of the NFC chip, storing the user identity packet on a computing device, receiving a request from a first requesting device or service for the data stored on the NFC chip of the object and transmitting the user identity packet from the computing device to the first requesting device or service instead of the data.

Abstract: Systems and methods for user identification (ID) document verification are provided. An exemplary method includes receiving an image of an ID document. A determination is made whether the ID document includes a near-field communications (NFC) chip that stores an ID photo associated with the ID document. Based on this determination, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a first verification result. Also, a photo of the user is captured by a camera associated with the client device. The method further includes receiving the photo of the user by a service provider; comparing the photo stored on the ID document with the photo of the user; based on the comparison, providing a second verification result for the ID document; and transmitting both the first and second verification results to the client device.

Abstract: Systems and methods for aligning a near field communications (NFC) device and a document having an NFC antenna are disclosed. An exemplary method comprises the steps of accessing a model identifier from the device; associating the model identifier with a device configuration stored in a source; associating the document type of the document with a document configuration stored in the source; generating alignment feedback based on image processing of video of the document produced by the camera of the device; detecting for a data connection between the mobile device and the document; and generating a connection indication when the data connection is detected.

Abstract: Systems and methods for aligning a mobile device and a document are disclosed. An exemplary method comprises the steps of determining a model identifier from the mobile device; associating the model identifier with a device configuration from a source; receiving an image of the document taken by the camera of the mobile device; identifying a document type; associating the document type with a document configuration from the source; selecting an alignment feedback schema based on the device configuration and the document configuration; generating alignment feedback based on the image processing; detecting for a data connection between the mobile device and the document; and generating a connection indication when the data connection is detected.

Abstract: Systems and methods for user identification (ID) document verification are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores an ID photo associated with the ID document. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.

Abstract: Systems and methods for user identification (ID) document verification are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores an ID photo associated with the ID document. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.

Abstract: Systems and methods for aligning a mobile device and a document are disclosed. An exemplary method comprises the steps of determining a model identifier from the mobile device; associating the model identifier with a device configuration from a source; receiving an image of the document taken by the camera of the mobile device; identifying a document type; associating the document type with a document configuration from the source; selecting an alignment feedback schema based on the device configuration and the document configuration; generating alignment feedback based on the image processing; detecting for a data connection between the mobile device and the document; and generating a connection indication when the data connection is detected.

Abstract: Systems and methods for identification (ID) document verification using hybrid near-field communications (NFC) authentication and optical authentication are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores data comprising identifying information for an owner of the identification. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.

Abstract: A method for aligning NFC antennas on a mobile device and document. The method comprises determining the mobile device model identifier, associating the model identifier with a configuration, determining a model type and determining the document configuration in relation to its NFC components, selecting an feedback schema for aligning the NFC antennas based on the device and document configuration, generating alignment feedback according to the alignment feedback schema, detecting a data connection between the mobile device and the document and generating a connection indication. The determining the document type can be performed by reading a Machine Readable Zone. The feedback schema can be coupled with the mobile device's video camera and display, audio, and haptic feedback.

Abstract: Systems and methods for identification (ID) document verification using hybrid near-field communications (NFC) authentication and optical authentication are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores data comprising identifying information for an owner of the identification. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.

Abstract: Systems and methods for identification (ID) document verification using hybrid near-field communications (NFC) authentication and optical authentication are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores data comprising identifying information for an owner of the identification. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.

Abstract: A method for aligning NFC antennas on a mobile device and document. The method comprises determining the mobile device model identifier, associating the model identifier with a configuration, determining a model type and determining the document configuration in relation to its NFC components, selecting an feedback schema for aligning the NFC antennas based on the device and document configuration, generating alignment feedback according to the alignment feedback schema, detecting a data connection between the mobile device and the document and generating a connection indication. The determining the document type can be performed by reading a Machine Readable Zone. The feedback schema can be coupled with the mobile device's video camera and display, audio, and haptic feedback.

Abstract: Self-sovereign identity systems and methods for identification documents are disclosed herein. An example method includes transmitting data obtained from a near-field communications (NFC) chip of an object to the service provider. The data can include identifying information for an owner of the object. The method can include receiving a user identity packet from the service provider that is generated by the service provider based on verification of an identity of the owner and validity of the NFC chip, storing the user identity packet on a computing device, receiving a request from a first requesting device or service for the data stored on the NFC chip of the object and transmitting the user identity packet from the computing device to the first requesting device or service instead of the data.

Abstract: Systems and methods for identification (ID) document verification using hybrid near-field communications (NFC) authentication and optical authentication are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores data comprising identifying information for an owner of the identification. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.

Abstract: A system and apparatus for time multiplexing of multi-domain transactions is provided. A computer system may include multiple domains of clients where the domains share common physical links. The bandwidth on a physical link may be divided between the domains that use that link such that a domain may only convey and receive transactions specific to that domain during the time period allocated to it on that physical link. A counter may be used to partition the bandwidth of a physical link between the domains that use that physical link.