Abstract: A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token, such as a smartcard containing a digital certificate. The intelligent token suitably authenticates with a server on a network that conducts all or portions of the transaction on behalf of the user. In various embodiments a wallet server interacts with a security server to provide enhanced reliability and confidence in the transaction. In various embodiments, the wallet server includes a toolbar. In various embodiments, the digital wallet pre-fills forms. Forms may be pre-filled using an auto-remember component.

Abstract: A solution is provided for a method for a user to shop online in a three dimensional (3D) virtual reality (VR) setting by receiving a request at a shopping server to view a shopping location, having at least one store, and displaying the shopping location to the user's computer in a 3D interactive simulation view via a web browser to emulate a real-life shopping experience for the user. The server then obtains a request to enter into one of the stores and displays the store website to the user in the same web browser. The store website has one or more enhanced VR features. The server then receives a request to view at least one product and the product is presented in a 3D interactive simulation view to emulate a real-life viewing of the product.

Abstract: A solution is provided for a method for a user to shop online in a three dimensional (3D) virtual reality (VR) setting by receiving a request at a shopping server to view a shopping location, having at least one store, and displaying the shopping location to the user's computer in a 3D interactive simulation view via a web browser to emulate a real-life shopping experience for the user. The server then obtains a request to enter into one of the stores and displays the store website to the user in the same web browser. The store website has one or more enhanced VR features. The server then receives a request to view at least one product and the product is presented in a 3D interactive simulation view to emulate a real-life viewing of the product.

Abstract: A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token, such as a smartcard containing a digital certificate. The intelligent token suitably authenticates with a server on a network that conducts all or portions of the transaction on behalf of the user. In various embodiments a wallet server interacts with a security server to provide enhanced reliability and confidence in the transaction. In various embodiments, the wallet server includes a toolbar. In various embodiments, the digital wallet pre-fills forms. Forms may be pre-filled using an auto-remember component.

Abstract: A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token, such as a smartcard containing a digital certificate. The intelligent token suitably authenticates with a server on a network that conducts all or portions of the transaction on behalf of the user. In various embodiments a wallet server interacts with a security server to provide enhanced reliability and confidence in the transaction. In various embodiments, the wallet server includes a toolbar. In various embodiments, the digital wallet pre-fills forms. Forms may be pre-filled using an auto-remember component.

Abstract: A solution is provided for a method for a user to shop online in a three dimensional (3D) virtual reality (VR) setting by receiving a request at a shopping server to view a shopping location, having at least one store, and displaying the shopping location to the user's computer in a 3D interactive simulation view via a web browser to emulate a real-life shopping experience for the user. The server then obtains a request to enter into one of the stores and displays the store website to the user in the same web browser. The store website has one or more enhanced VR features. The server then receives a request to view at least one product and the product is presented in a 3D interactive simulation view to emulate a real-life viewing of the product.

Abstract: A system is disclosed for handling post transactional credit disputes in real-time via a variety of transactional environments and architectures. The system includes one or more workstations linked to a communication channel and one or more servers with at least one having capability of displaying a plurality of pre-existing dispute handling forms. A party in dispute may access the forms, choose an appropriate dispute handling form, provide data in the pre-defined requested fields on the form, and transmit the form over the communication channel to a server for processing. A server accepts a User ID and password from a user, retrieves and displays a set of dispute handling forms, receives input entered on the forms, routes the forms to a second user in dispute, and makes the forms available for viewing to the second user. The program may further index the data entered on the forms using a code-based method.

Abstract: A system is disclosed for handling post transactional credit disputes in real-time via a variety of transactional environments and architectures. The system includes one or more workstations linked to a communication channel and one or more servers with at least one having capability of displaying a plurality of pre-existing dispute handling forms. A party in dispute may access the forms, choose an appropriate dispute handling form, provide data in the pre-defined requested fields on the form, and transmit the form over the communication channel to a server for processing. A server accepts a User ID and password from a user, retrieves and displays a set of dispute handling forms, receives input entered on the forms, routes the forms to a second user in dispute, and makes the forms available for viewing to the second user. The program may further index the data entered on the forms using a code-based method.

Abstract: A solution is provided for a method for a user to shop online in a three dimensional (3D) virtual reality (VR) setting by receiving a request at a shopping server to view a shopping location, having at least one store, and displaying the shopping location to the user's computer in a 3D interactive simulation view via a web browser to emulate a real-life shopping experience for the user. The server then obtains a request to enter into one of the stores and displays the store website to the user in the same web browser. The store website has one or more enhanced VR features. The server then receives a request to view at least one product and the product is presented in a 3D interactive simulation view to emulate a real-life viewing of the product.

Abstract: A secure credential validation compares stored and received modified credentials, e.g., biometric credentials, such that the validating system does not have access to the unmodified credentials. A capture system and a credential validation system are operatively coupled to a network (e.g., the Internet). The credential validation system is configured to store a set of modified stored credentials associated with the principal, receive a set of modified received credentials, and perform a credential validation procedure to validate the modified received credentials, wherein the credential validation procedure performs a one-way consistency test to compare the modified stored credentials and the modified received credentials. The credential validation procedure employs one or more similarity measures, e.g., a weighted quorum of exact matches, a discrete N-ball (or “N-shell”) intersection, or a client-based algorithm with encryption.

Abstract: A system, method and apparatus for managing access across a plurality of applications is disclosed. The system may include a user store connector configured to connect to one or more user stores to retrieve attributes; an authentication connector configured to communicate with at least one authentication subsystem to authenticate a user; a policy engine configured to retrieve attributes from the user store connector corresponding to a user and use the attributes to evaluate access policies, if any, which are defined for protection of resources, to determine whether or not the user should be granted access to the resources; an admin component that is configured to enable the access policies to be defined relative to attributes and the resources; and a policy store configured to store the access policies.

Abstract: Systems, methods and apparatus for providing single sign on across a plurality of resources is disclosed. An exemplary method includes receiving a request from a user to access a particular one of the plurality of resources; establishing an SSO session for the user if an SSO session has not been established; determining if the user has been authenticated to the particular resource, and if not, retrieving credentials for the user that are specific to the resource; presenting the credentials to the resource so as to create a session with the resource; and presenting a user interface for a customer to configure which of the plurality of resources can be accessed by users.

Abstract: A secure credential validation compares stored and received modified credentials, e.g., biometric credentials, such that the validating system does not have access to the unmodified credentials. A capture system and a credential validation system are operatively coupled to a network (e.g., the Internet). The credential validation system is configured to store a set of modified stored credentials associated with the principal, receive a set of modified received credentials, and perform a credential validation procedure to validate the modified received credentials, wherein the credential validation procedure performs a one-way consistency test to compare the modified stored credentials and the modified received credentials: The credential validation procedure employs one or more similarity measures, e.g., a weighted quorum of exact matches, a discrete N-ball (or “N-shell”) intersection, or a client-based algorithm with encryption.

Abstract: Modular authentication and session management involves the use of discrete modules to perform specific tasks in a networked computing environment. There may be a separate authentication server that verifies the identity of the user and an authorization client that grants various levels of access to users. There may also be an authentication client that receives an initial request from a requesting application and forwards the request to the authentication server to verify the identity of the use. The authorization client may then be invoked to provide the necessary level of access. The use of discrete modules allows multiple business applications to use the same modules to perform user authentication tasks, thus alleviating the unnecessary multiplication of code.

Abstract: Modular authentication and session management involves the use of discrete modules to perform specific tasks in a networked computing environment. There may be a separate authentication server that verifies the identity of the user and an authorization client that grants various levels of access to users. There may also be an authentication client that receives an initial request from a requesting application and forwards the request to the authentication server to verify the identity of the use. The authorization client may then be invoked to provide the necessary level of access. The use of discrete modules allows multiple business applications to use the same modules to perform user authentication tasks, thus alleviating the unnecessary multiplication of code.

Abstract: A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token, such as a smartcard containing a digital certificate. The intelligent token suitably authenticates with a server on a network that conducts all or portions of the transaction on behalf of the user. In various embodiments a wallet server interacts with a security server to provide enhanced reliability and confidence in the transaction. In various embodiments, the wallet server includes a toolbar. In various embodiments, the digital wallet pre-fills forms. Forms may be pre-filled using an auto-remember component.

Abstract: A solution is provided for a method for a user to shop online in a three dimensional (3D) virtual reality (VR) setting by receiving a request at a shopping server to view a shopping location, having at least one store, and displaying the shopping location to the user's computer in a 3D interactive simulation view via a web browser to emulate a real-life shopping experience for the user. The server then obtains a request to enter into one of the stores and displays the store website to the user in the same web browser. The store website has one or more enhanced VR features. The server then receives a request to view at least one product and the product is presented in a 3D interactive simulation view to emulate a real-life viewing of the product.

Abstract: A system and method is disclosed which enables a consumer to use a PIN biometric, merchant code or other indicia to conveniently instruct a financial institution to activate or access specific financial services or accounts during a particular time period or during a particular transaction. When making a purchase, the cardholder enters account information into a remote terminal such as a POS device, then the cardholder inputs a particular PIN or biometric which is communicated to the financial services provider. The provider interprets the PIN or biometric as an instruction to access or activate a particular service.

Abstract: A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token, such as a smartcard containing a digital certificate. The intelligent token suitably authenticates with a server on a network that conducts all or portions of the transaction on behalf of the user. In various embodiments a wallet server interacts with a security server to provide enhanced reliability and confidence in the transaction. In various embodiments, the wallet server includes a toolbar. In various embodiments, the digital wallet pre-fills forms. Forms may be pre-filled using an auto-remember component.

Abstract: A system and method is disclosed which enables a consumer to use a PIN biometric, merchant code or other indicia to conveniently instruct a financial institution to activate or access specific financial services or accounts during a particular time period or during a particular transaction. When making a purchase, the cardholder enters account information into a remote terminal such as a POS device, then the cardholder inputs a particular PIN or biometric which is communicated to the financial services provider. The provider interprets the PIN or biometric as an instruction to access or activate a particular service.