Abstract: A network includes a platform provider having a centralized operating environment including a combination of hardware, software, and a communication device configured to receive information from a plurality of enterprise networks each configured to independently communicate information to the platform provider. The information includes customer information, device information, requested enrollment or application information, requested transaction information, completed enrollment or application information, or completed transaction information, or a combination thereof. The platform provider is configured to validate and record the information in a secure ledger.

Abstract: A network includes a platform provider having a centralized operating environment including a combination of hardware, software, and a communication device configured to receive information from a plurality of enterprise networks each configured to independently communicate information to the platform provider. The information includes customer information, device information, requested enrollment or application information, requested transaction information, completed enrollment or application information, or completed transaction information, or a combination thereof. The platform provider is configured to validate and record the information in a secure ledger.

Abstract: A method for authentication includes receiving consumer information associated with a consumer transmitted over a first data network in a processor operated by an account issuer; determining available account authentication options based on the received consumer information and a database of potential authentication options stored in a memory in the processor; selecting a set of available authentication options from the available account authentication options based on a database of attributes for the potential authentication options stored in the memory in the processor; transmitting consumer information to an authentication provider associated with a selected authentication option over a second data network; receiving an authentication confirmation over the second data network in the processor; and updating the database of attributes for the potential authentication options to include information regarding a successful authentication and the authentication provider associated with the selected authenticatio

Abstract: A network includes a platform provider having a centralized operating environment including a combination of hardware, software, and a communication device configured to receive information from a plurality of enterprise networks each configured to independently communicate information to the platform provider. The information includes customer information, device information, requested enrollment or application information, requested transaction information, completed enrollment or application information, or completed transaction information, or a combination thereof. The platform provider is configured to validate and record the information in a secure ledger.

Abstract: A method for authentication includes receiving consumer information associated with a consumer transmitted over a first data network in a processor operated by an account issuer; determining available account authentication options based on the received consumer information and a database of potential authentication options stored in a memory in the processor; selecting a set of available authentication options from the available account authentication options based on a database of attributes for the potential authentication options stored in the memory in the processor; transmitting consumer information to an authentication provider associated with a selected authentication option over a second data network; receiving an authentication confirmation over the second data network in the processor; and updating the database of attributes for the potential authentication options to include information regarding a successful authentication and the authentication provider associated with the selected authenticatio

Abstract: A method is provided for authentication that includes receiving consumer information associated with a consumer transmitted over a first data network, determining available account authentication options based on the received consumer information and a database of potential authentication options stored in a memory, selecting a set of available authentication options from the available authentication options based on a database of the potential authentication option attributes stored in the memory, transmitting the selected set of available authentication options to the consumer over the first data network, receiving a selected authentication option transmitted over the first data network, transmitting the consumer information to an authentication provider associated with the selected authentication option over a second data network, and receiving an authentication confirmation transmitted over the second data network.

Abstract: A method is provided for authentication that includes receiving consumer information associated with a consumer transmitted over a first data network, determining available account authentication options based on the received consumer information and a database of potential authentication options stored in a memory, selecting a set of available authentication options from the available authentication options based on a database of the potential authentication option attributes stored in the memory, transmitting the selected set of available authentication options to the consumer over the first data network, receiving a selected authentication option transmitted over the first data network, transmitting the consumer information to an authentication provider associated with the selected authentication option over a second data network, and receiving an authentication confirmation transmitted over the second data network.

Abstract: A cardless point-of-sale payment method capable of completing patient transactions when a connection to a wireless network is not available is provided, including verifying a personal identification number (PIN) provided to an application installed on a registered mobile internet device, retrieving a backup authorization token from a memory of the registered mobile internet device, displaying the backup authorization token on the registered mobile internet device for entry to a point-of-sale device, providing sale transaction information to a purchase authorization processing company (APC) via a transmission between the point-of-sale device and the APC wherein the sale transaction information includes the backup authorization token and a sale transaction value, verifying the backup authorization token, verifying the sale transaction value against an approved transaction value associated with the backup authorization token, providing an approval to the point-of-sale device via a transmission between the APC an