Abstract: Provided is a process that includes: receiving, with a first device, a request to authenticate a user; obtaining, with the first device, an unstructured-data authentication input; extracting, with the first computing device, a plurality of features of the unstructured-data authentication input to form a structured-data representation; determining, with the first device, a first instance of a value that deterministically varies; and determining, with the first device, a first encrypted value based on both the structured-data representation and the first instance of the value that deterministically varies; and sending, with the first device, the first encrypted value to a second computing device.

Abstract: Techniques are disclosed relating to authorization of asset sharing for transactions by other user accounts. In some embodiments, an apparatus is configured to transmit a request to a mobile device on behalf of a first user account. In some embodiments, the apparatus is configured to receive, from the mobile device in response to the request, an electronic message in a format recognized by an authorization computing system. In some embodiments, the electronic message includes a constraint for a transaction, a replenishment key, and a hash value generated based on at least a portion of other information in the message. In some embodiments, the apparatus is configured to transmit the electronic message for communication to the authorization computing system. In some embodiments, the apparatus is configured to receive transaction authorization based on a comparison of the hash value in the electronic message and a copy of the hash value from the mobile device.

Abstract: Provided is a process that includes: receiving, with a first device, a request to authenticate a user; obtaining, with the first device, an unstructured-data authentication input; extracting, with the first computing device, a plurality of features of the unstructured-data authentication input to form a structured-data representation; determining, with the first device, a first instance of a value that deterministically varies; and determining, with the first device, a first encrypted value based on both the structured-data representation and the first instance of the value that deterministically varies; and sending, with the first device, the first encrypted value to a second computing device

Abstract: Provided is a process that includes: receiving, with a first device, a request to authenticate a user; obtaining, with the first device, an unstructured-data authentication input; extracting, with the first computing device, a plurality of features of the unstructured-data authentication input to form a structured-data representation; determining, with the first device, a first instance of a value that deterministically varies; and determining, with the first device, a first encrypted value based on both the structured-data representation and the first instance of the value that deterministically varies; and sending, with the first device, the first encrypted value to a second computing device.

Abstract: Provided is a process that includes: receiving, with a first device, a request to authenticate a user; obtaining, with the first device, an unstructured-data authentication input; extracting, with the first computing device, a plurality of features of the unstructured-data authentication input to form a structured-data representation; determining, with the first device, a first instance of a value that deterministically varies; and determining, with the first device, a first encrypted value based on both the structured-data representation and the first instance of the value that deterministically varies; and sending, with the first device, the first encrypted value to a second computing device

Abstract: Techniques are disclosed relating to securing physical compartments and allowing users access via a mobile device configured to use a mobile authentication system. In some embodiments, a locking device for a physical container is configured to unlock only if both a transaction authentication system confirms successful authentication of a mobile device and an auxiliary key is present. The locking device may receive encrypted data from the mobile device via a short-range wireless connection, transmit the data to the transaction authentication system, and receive a message indicating whether authentication was successful. The mobile device may encrypt the data using a replenishment key from the transaction authentication system; therefore the authentication may decrypt the received encrypted data to confirm an identity of the mobile device. In some embodiments, disclosed techniques may allow users to use their mobile device to unlock a safety deposit box without requiring extensive infrastructure investment, e.

Abstract: Techniques are disclosed relating to authorization of asset sharing for transactions by other user accounts. In some embodiments, an apparatus is configured to transmit a request to a mobile device on behalf of a first user account. In some embodiments, the apparatus is configured to receive, from the mobile device in response to the request, an electronic message in a format recognized by an authorization computing system. In some embodiments, the electronic message includes a constraint for a transaction, a replenishment key, and a hash value generated based on at least a portion of other information in the message. In some embodiments, the apparatus is configured to transmit the electronic message for communication to the authorization computing system. In some embodiments, the apparatus is configured to receive transaction authorization based on a comparison of the hash value in the electronic message and a copy of the hash value from the mobile device.