Abstract: A method is disclosed. The method comprises transmitting, by an access device to a communication device, a resource provider certificate and an access device certificate. Then, establishing a secure channel between the access device and the communication device using data from the resource provider certificate and the access device certificate. Then, transmitting to or receiving data from the communication device using the secure channel.

Abstract: A method includes forming a communication channel between a user device and an access device. The communication channel is then secured using a user device key pair in the user device and an access device ephemeral key pair in the access device. The access device then generates a session key using at least a private cryptographic key in the access device ephemeral key pair, and a public key in the user device key pair. The access device then uses the session key to secure an ultra-wideband communication channel between the user device and the access device.

Abstract: A method performed by at least a user device comprising an interaction application and a biometric application is disclosed. The method comprises receiving from an access device, a message comprising interaction details. The user device may perform a biometric verification of the user operating the user device. The method may then include, if the biometric application has a biometric verification result, the interaction application receives the biometric verification result from the biometric application and continues processing the message. Or if the biometric application does not have the biometric verification result, then the interaction application either waits for the biometric verification result from the biometric application or continues processing the message without the biometric verification result.

Abstract: A method includes forming a communication channel between a user device and an access device. The communication channel is then secured using a user device key pair in the user device and an access device ephemeral key pair in the access device. The access device then generates a session key using at least a private cryptographic key in the access device ephemeral key pair, and a public key in the user device key pair. The access device then uses the session key to secure an ultrawideband communication channel between the user device and the access device.

Abstract: A method is disclosed. The method comprises receiving, by an identity network computer, a query set including a plurality of test identity attributes. After receiving the query set, the identity network computer may retrieve derivatives of identity attributes associated with a user, and an encrypted trapdoor, then compute an obscured query set using the query set, and optionally the derivatives of identity attributes. The identity network computer may transmit the obscured query set (i) and the encrypted trapdoor to a user device associated with the user, which generates and transmits a first modified trapdoor and the obscured query set to a relying party computer, or (ii) and a second modified trapdoor to the relying party computer. The relying party computer may thereafter use the obscured query set, and the first modified trapdoor or the second modified trapdoor, to determine if the identity attributes is a member of the query set.

Abstract: A method includes forming a communication channel between a user device and an access device. The communication channel is then secured using a user device key pair in the user device and an access device ephemeral key pair in the access device. The access device then generates a session key using at least a private cryptographic key in the access device ephemeral key pair, and a public key in the user device key pair. The access device then uses the session key to secure an ultra-wideband communication channel between the user device and the access device.

Abstract: A method is disclosed. The method comprises transmitting, by an access device to a communication device, a resource provider certificate and an access device certificate. Then, establishing a secure channel between the access device and the communication device using data from the resource provider certificate and the access device certificate. Then, transmitting to or receiving data from the communication device using the secure channel.

Abstract: Embodiments of the present invention relate to systems and methods for enabling entities, such as issuers, merchants, payment processing networks, and mobile-network operators, to send account-related messages and marketing messages to a user's mobile device in response to a message request sent from the user's mobile device. According to some embodiments, the account-related messages and the marketing messages are sent to the user's mobile device in accordance with message parameters that are defined by the user and that are embedded in the message request.

Abstract: Embodiments of the present invention relate to systems and methods for enabling entities, such as issuers, merchants, payment processing networks, and mobile-network operators, to send account-related messages and marketing messages to a user's mobile device in response to a message request sent from the user's mobile device. According to some embodiments, the account-related messages and the marketing messages are sent to the user's mobile device in accordance with message parameters that are defined by the user and that are embedded in the message request.

Abstract: Embodiments of the present invention relate to systems and methods for enabling entities, such as issuers, merchants, payment processing networks, and mobile-network operators, to send account-related messages and marketing messages to a user's mobile device in response to a message request sent from the user's mobile device. According to some embodiments, the account-related messages and the marketing messages are sent to the user's mobile device in accordance with message parameters that are defined by the user and that are embedded in the message request.

Abstract: A method is disclosed. It includes presenting a payment card to an access device, obtaining additional data, encrypting the additional data, and passing the encrypted additional data to the access device.

Abstract: Embodiments of the present invention relate to systems and methods for enabling entities, such as issuers, merchants, payment processing networks, and mobile-network operators, to send account-related messages and marketing messages to a user's mobile device in response to a message request sent from the user's mobile device. According to some embodiments, the account-related messages and the marketing messages are sent to the user's mobile device in accordance with message parameters that are defined by the user and that are embedded in the message request.

Abstract: Embodiments of the present invention relate to systems and methods for enabling entities, such as issuers, merchants, payment processing networks, and mobile-network operators, to send account-related messages and marketing messages to a user's mobile device in response to a message request sent from the user's mobile device. According to some embodiments, the account-related messages and the marketing messages are sent to the user's mobile device in accordance with message parameters that are defined by the user and that are embedded in the message request.

Abstract: A method is disclosed. It includes presenting a portable consumer device to an access device, obtaining additional data, encrypting the additional data, and passing the encrypted additional data to the access device.

Abstract: A method is disclosed. It includes presenting a payment card to an access device, obtaining additional data, encrypting the additional data, and passing the encrypted additional data to the access device.

Abstract: Embodiments of the present invention relate to systems and methods for enabling entities, such as issuers, merchants, payment processing networks, and mobile-network operators, to send account-related messages and marketing messages to a user's mobile device in response to a message request sent from the user's mobile device. According to some embodiments, the account-related messages and the marketing messages are sent to the user's mobile device in accordance with message parameters that are defined by the user and that are embedded in the message request.