Abstract: A secure on-device cardholder authentication method and system. In an embodiment, a consumer's mobile device uses a mobile application to receive a user authentication request from an entity. A biometric data capture request is then transmitted to a biometric sensor of the mobile device, and a determination made that the mobile application is authorized to use an authenticator API. Next, the mobile device processor prompts the user to provide at least one form of biometric data in accordance with business rules, receives a user authentication response when the user provided biometric data matches locally stored biometric data, generates a positive user authentication response message, and transmits the positive user authentication response message to the entity.

Abstract: According to some embodiments, a requesting application executing on a mobile device may request a transport layer security key pair in connection with a payment transaction. Responsive to the request, a trusted execution environment client of the mobile device may route a request to a payment application executing in a secure trusted execution environment of the mobile device. It may then be arranged, within the secure trusted execution environment, to create the transport layer security key pair and provide key pair to the requesting application. Moreover, in some embodiments, the mobile device may transmit payment transaction information to an access control server and receive a request for biometric authentication. It may then be arranged for hardware within the mobile device to biometrically authenticate a user of the mobile device.

Abstract: A secure on-device cardholder authentication method and system. In an embodiment, a consumer's mobile device uses a mobile application to receive a user authentication request from an entity. A biometric data capture request is then transmitted to a biometric sensor of the mobile device, and a determination made that the mobile application is authorized to use an authenticator API. Next, the mobile device processor prompts the user to provide at least one form of biometric data in accordance with business rules, receives a user authentication response when the user provided biometric data matches locally stored biometric data, generates a positive user authentication response message, and transmits the positive user authentication response message to the entity.

Abstract: According to some embodiments, a requesting application executing on a mobile device may request a transport layer security key pair in connection with a payment transaction. Responsive to the request, a trusted execution environment client of the mobile device may route a request to a payment application executing in a secure trusted execution environment of the mobile device. It may then be arranged, within the secure trusted execution environment, to create the transport layer security key pair and provide key pair to the requesting application. Moreover, in some embodiments, the mobile device may transmit payment transaction information to an access control server and receive a request for biometric authentication. It may then be arranged for hardware within the mobile device to biometrically authenticate a user of the mobile device.

Abstract: Multi-factor authentication techniques are described that use secure push authentication technology for transactions. An embodiment includes receiving, by an assurance platform operating as an authentication service platform, a user authentication request and transaction data from an access control server (ACS), determining an authentication rule, generating a user validation request message, transmitting the user validation request message to a user mobile device, and receiving user authentication data. The assurance platform then validates the user authentication data, transmits a device authentication request, receives a device authentication response signed with a private key of the user, and authenticates the user based on the device authentication response and private key.

Abstract: Exemplary embodiments are directed to account management including reporting financial transactions to an account holder in a transaction reporting statement and automatic payment of open account balances. Consolidating reporting criteria and/or balance management criteria can be specified to customize reporting and/or payment of purchase transactions. The consolidated reporting criteria can be applied to transactions to identify amalgamable transactions, which can be consolidated into a consolidated transaction. The balance management criteria can include scheduling criteria and payment criteria and can be applied to open account balances to facilitate payment of open account balances.