Abstract: A financial messaging apparatus configured to encapsulate and transmit a financial message along with actions to a mobile device. The actions relate to rules that are associated with characteristics of the financial message.

Abstract: A financial messaging apparatus configured to encapsulate and transmit a financial message along with actions to a mobile device. The actions relate to rules that are associated with characteristics of the financial message.

Abstract: The present disclosure provides a financial messaging apparatus configured to encapsulate and transmit a financial message along with actions to a mobile device. The actions relate to rules that are associated with characteristics of the financial message.

Abstract: According to an aspect, a computing device includes a processor; a computer readable memory; a display screen; a touch sensitive panel overlying the display screen; and computing device application instructions coded in the computer readable memory and executed by the processor to: display a user-selectable photograph on the display screen, the user-selectable photograph including a group of fiducials, generate captured pattern data, the captured pattern data representing coordinate values on the touch sensitive panel where touched by a user, and provide for authentication of the user based on a comparison of the captured pattern data and respective locations of the group of fiducials included in the user-selectable photograph.

Abstract: According to an aspect, a computing device includes a processor; a computer readable memory; a display screen; a touch sensitive panel overlying the display screen; and computing device application instructions coded in the computer readable memory and executed by the processor to: display a user-selectable photograph on the display screen, the user-selectable photograph including a group of fiducials, generate captured pattern data, the captured pattern data representing coordinate values on the touch sensitive panel where touched by a user, and provide for authentication of the user based on a comparison of the captured pattern data and respective locations of the group of fiducials included in the user-selectable photograph.

Abstract: The present disclosure provides a financial messaging apparatus configured to encapsulate and transmit a financial message along with actions to a mobile device. The actions relate to rules that are associated with characteristics of the financial message.

Abstract: According to an aspect, a computing device includes a processor; a computer readable memory; a display screen; a touch sensitive panel overlying the display screen; and computing device application instructions coded in the computer readable memory and executed by the processor to: display a user-selectable photograph on the display screen, the user-selectable photograph including a group of fiducials, generate captured pattern data, the captured pattern data representing coordinate values on the touch sensitive panel where touched by a user, and provide for authentication of the user based on a comparison of the captured pattern data and respective locations of the group of fiducials included in the user-selectable photograph.

Abstract: A system and method is presented for approving or disapproving a transaction requested by an initiating device based on a physical location of a mobile device associated with a user relative to a physical location of the initiating device. A user attempting to perform a sensitive action at an initiating device provides user data to the initiating device. After validating the user data, the system determines a mobile device associated with the user. In order to confirm the user data, the system determines a location of the initiating device relative to a location of the associated mobile device. If the mobile device is within a predefined proximity of the initiating device, the received user data is confirmed as valid and the transaction is approved.

Abstract: A system and method is presented for authenticating a user based on the location of a mobile device relative to the location of an accessing device. A user attempting to access a server with the accessing device (e.g., a desktop computer) provides credentials. After validating the credentials, the system determines a mobile device (e.g., a mobile phone) associated with the user. In order to confirm the credentials, the system determines a location of the accessing device relative to a location of the associated mobile device. If the mobile device is within a predefined proximity of the accessing device, the received credentials are confirmed and the user may be allowed access to the server. If the mobile device is not within the predefined proximity of the accessing device, the received credentials are identified as invalid and the user may be denied access to the server.

Abstract: A system for authenticating the user of a computing device comprises an authorized user directory. Each record is uniquely associated with an authorized user and includes at least a computing device ID value that is a globally unique value assigned to the authorized user's computing device, a group of unique depictions such as photographs, an identification of a key depiction. Portions of each image form fiducials recognizable by the user. The record further includes trace pattern verification data representing continuous trace strokes between pairs of the fiducials within the key depiction. To authenticate, the group of images are displayed to the user. The user must first select the key image and secondly trace continuous trace strokes between the pairs of fiducials to match the trace pattern verification data.

Abstract: A system for authenticating the user of a computing device comprises an authorized user directory. Each record is uniquely associated with an authorized user and includes at least a computing device ID value that is a globally unique value assigned to the authorized user's computing device, a group of unique depictions such as photographs, an identification of a key depiction. Portions of each image form fiducials recognizable by the user. The record further includes trace pattern verification data representing continuous trace strokes between pairs of the fiducials within the key depiction. To authenticate, the group of images are displayed to the user. The user must first select the key image and secondly trace continuous trace strokes between the pairs of fiducials to match the trace pattern verification data.