Abstract: A composition to induce analgesia includes a plurality of particles, each particle of the plurality having 40-60 wt % amino amide anesthetic or a pharmaceutically acceptable salt, hydrate, or solvate thereof and 60-40 wt % PLGA polymer including 48:52 to 52:48 molar ratio D,L lactide:glycolide and an inherent viscosity of about 0.16 to 0.24 dL/g at 0.1% w/v in chloroform at 25° C. Each particle includes a non-spherical shape less than 100 ???? in a broadest dimension, and having a volume of about 13,500 cubic micrometers. The amino amide anesthetic is crystalline and includes 50-70% crystalline form I and 30-50% crystalline form II.

Abstract: Methods for securing financial transactions using dynamic PINs without requiring updates to existing banking cards or existing infrastructure at acquiring institutions. The use of a dynamic PIN may be selectively enabled for a subset of banking cards or for a particular banking card when circumstances require use of the dynamic PIN. A dynamic PIN may be required for performing a financial transaction, such as making an online purchase, if an account associated with a banking card has a particular credit limit greater than a threshold or if a suspicious transaction history has been detected (e.g., large out-of-state purchases have recently been made). A dynamic PIN may be required based on a time of day or location associated with the financial transaction (e.g., if the financial transaction is being initiated within a particular foreign country).

Abstract: A computerized method of accessing a secure resource using an application associated with a user's computing device is provided. The application is programmed, in part, to monitor user browsing activity and wherein the application has associated therewith one or more predefined Uniform Resource Locaters (URLs) to trusted sites, each having an associated trusted root certificate and security key. The method includes the application detecting a user attempt to log into a secure resource, the application scanning in-process browser processes to identify a browser process that is in a login state, the application associating the browser process in a login state with one of the trusted sites, the application initiating a new browser session with the trusted site using the associated predefined URL, the application obtaining a login password from the user, the application supplying to the trusted site the associated security key and login password, and the user's computer displaying subsequent browsing activity.

Abstract: A method is provided for generating a human readable passcode to an authorized user including providing a control access datum and a PIN, and generating a unique machine identifier for the user machine. The method further includes modifying the controlled access datum, encrypting the controlled access datum using the PIN and/or a unique machine identifier to camouflage the datum, and generating a passcode using the camouflaged datum and the PIN and/or the unique machine identifier. A mobile user device may be used to execute the method in one embodiment. The passcode may be used to obtain transaction authorization and/or access to a secured system or secured data. The unique machine identifier may be defined by a machine effective speed calibration derived from information collected from and unique to the user machine.

Abstract: This invention relates to a method and a system for generating user passcodes for each of a plurality of transaction providers from a mobile user device. A method and system for activating a plurality of passcode generators on a user device configured with a passcode application installed on the user device is provided. Each of the passcode generators may correspond to a different user account or transaction provider, such that each passcode generator provides a user passcode configured for the corresponding account or transaction provider. One or more of the passcode generators may include a passcode generating algorithm and a passcode key. Access to one or more of the passcode generators may require providing a PIN or a challenge.

Abstract: A method of authenticating a client to a service via a network includes retrieving a client ID and a lockstep code from a token interfaced with a client device, sending the client ID and the lockstep code to an authentication server as part of a verification request, at the authentication server, comparing the lockstep code to a confirmation lockstep code relating to the client ID, based on the comparison, sending an authentication message from the authentication server, at the authentication server, generating a new confirmation lockstep code, sending the new confirmation lockstep code to the client device, and updating the lockstep code of the token to an updated lockstep code that matches the new confirmation lockstep code.

Abstract: Methods, apparatus and systems for securing user-associated passwords used in transactions are disclosed. The methods include a user computing device receiving a user-associated password such as a PIN from a user, where the user-associated password is operable to authenticate an identity of a user. The user-associated password may be received in response to the user receiving a request for the user-associated password from a third party such as a merchant. The user computing device may generate a temporary password such as a one-time password, dynamic password, or the like, and encrypt the user-associated password using the temporary password. The encrypted user-associated password may then be communicated to the third party in lieu of the user-associated password received by the user.

Abstract: Embodiments of the invention provide systems and methods for the storage of One-Time Passwords (OTPs) on a device (principal) that needs to authenticate from time to time. It utilizes recent availability of data storage capacity not previously exploited in this arena. Also disclosed is the means to initialize and modify the system (all principals) in a secure manner, and the means to store the OTP production means on a device in a secure manner, even if the device has no built-in protected storage.

Abstract: This invention relates to a method and a system for generating user passcodes for each of a plurality of transaction providers from a mobile user device. A method and system for activating a plurality of passcode generators on a user device configured with a passcode application installed on the user device is provided. Each of the passcode generators may correspond to a different user account or transaction provider, such that each passcode generator provides a user passcode configured for the corresponding account or transaction provider. One or more of the passcode generators may include a passcode generating algorithm and a passcode key. Access to one or more of the passcode generators may require providing a PIN or a challenge.

Abstract: This invention relates to a method and a system for generating user passcodes for each of a plurality of transaction providers from a mobile user device. A method and system for activating a plurality of passcode generators on a user device configured with a passcode application installed on the user device is provided. Each of the passcode generators may correspond to a different user account or transaction provider, such that each passcode generator provides a user passcode configured for the corresponding account or transaction provider. One or more of the passcode generators may include a passcode generating algorithm and a passcode key. Access to one or more of the passcode generators may require providing a PIN or a challenge.

Abstract: A method is provided for generating a human readable passcode to an authorized user including providing a control access datum and a PIN, and generating a unique machine identifier for the user machine. The method further includes modifying the controlled access datum, encrypting the controlled access datum using the PIN and/or a unique machine identifier to camouflage the datum, and generating a passcode using the camouflaged datum and the PIN and/or the unique machine identifier. A mobile user device may be used to execute the method in one embodiment. The passcode may be used to obtain transaction authorization and/or access to a secured system or secured data. The unique machine identifier may be defined by a machine effective speed calibration derived from information collected from and unique to the user machine.

Abstract: A computerized method of providing access to a secure resource includes, to each of a plurality of authorized users, providing a link to the secure resource. Each link includes a unique password embedded therein and each unique password relates to a particular user identification (userID) and personal identification number (PIN). The method also includes receiving a request to access the resource using a link having a password embedded therein, which request originates at a web browser. The method further includes directing the browser to a login screen and receiving via the login screen a userID and PIN. The method also includes determining whether the userID and PIN relate to one another and to the password and allowing or denying access to the resource in accordance with the determination.

Abstract: A method of authenticating a client to a service via a network includes retrieving a client ID and a lockstep code from a token interfaced with a client device, sending the client ID and the lockstep code to an authentication server as part of a verification request, at the authentication server, comparing the lockstep code to a confirmation lockstep code relating to the client ID, based on the comparison, sending an authentication message from the authentication server, at the authentication server, generating a new confirmation lockstep code, sending the new confirmation lockstep code to the client device, and updating the lockstep code of the token to an updated lockstep code that matches the new confirmation lockstep code.

Abstract: Embodiments of the invention provide systems and methods for the storage of One-Time Passwords (OTPs) on a device (principal) that needs to authenticate from time to time. It utilizes recent availability of data storage capacity not previously exploited in this arena. Also disclosed is the means to initialize and modify the system (all principals) in a secure manner, and the means to store the OTP production means on a device in a secure manner, even if the device has no built-in protected storage.

Abstract: Methods, apparatus and systems for securing user-associated passwords used in transactions are disclosed. The methods include a user computing device receiving a user-associated password such as a PIN from a user, where the user-associated password is operable to authenticate an identity of a user. The user-associated password may be received in response to the user receiving a request for the user-associated password from a third party such as a merchant. The user computing device may generate a temporary password such as a one-time password, dynamic password, or the like, and encrypt the user-associated password using the temporary password. The encrypted user-associated password may then be communicated to the third party in lieu of the user-associated password received by the user.

Abstract: A computerized method of providing access to a secure resource includes, to each of a plurality of authorized users, providing a link to the secure resource. Each link includes a unique password embedded therein and each unique password relates to a particular user identification (userID) and personal identification number (PIN). The method also includes receiving a request to access the resource using a link having a password embedded therein, which request originates at a web browser. The method further includes directing the browser to a login screen and receiving via the login screen a userID and PIN. The method also includes determining whether the userID and PIN relate to one another and to the password and allowing or denying access to the resource in accordance with the determination.

Abstract: This invention relates to a method and a system for generating user passcodes for each of a plurality of transaction providers from a mobile user device. A method and system for activating a plurality of passcode generators on a user device configured with a passcode application installed on the user device is provided. Each of the passcode generators may correspond to a different user account or transaction provider, such that each passcode generator provides a user passcode configured for the corresponding account or transaction provider. One or more of the passcode generators may include a passcode generating algorithm and a passcode key. Access to one or more of the passcode generators may require providing a PIN or a challenge.

Abstract: A method is provided for generating a human readable passcode to an authorized user including providing a control access datum and a PIN, and generating a unique machine identifier for the user machine. The method further includes modifying the controlled access datum, encrypting the controlled access datum using the PIN and/or a unique machine identifier to camouflage the datum, and generating a passcode using the camouflaged datum and the PIN and/or the unique machine identifier. A mobile user device may be used to execute the method in one embodiment. The passcode may be used to obtain transaction authorization and/or access to a secured system or secured data. The unique machine identifier may be defined by a machine effective speed calibration derived from information collected from and unique to the user machine.

Abstract: A system and method is provided for generating a one-time passcode (OTP) from a user device. The method includes providing a passcode application and a cardstring defined by a provider account to the user device. The passcode application is configured to generate a passcode configured as a user OTP for the provider account, using the cardstring. The cardstring is defined by at least one key camouflaged with a personal identification number (PIN). The key may be camouflaged by modifying and encrypting the modified key under the PIN. The key may be configured as a symmetric key, a secret, a seed, and a controlled datum. The cardstring may be an EMV cardstring; and the key may be a UDKA or UDKB. The cardstring may be an OTP cardstring, and the key may be a secret configurable to generate one of a HOTP, a TOTP, and a counter-based OTP.

Abstract: A computerized method of accessing a secure resource using an application associated with a user's computing device is provided. The application is programmed, in part, to monitor user browsing activity and wherein the application has associated therewith one or more predefined Uniform Resource Locaters (URLs) to trusted sites, each having an associated trusted root certificate and security key. The method includes the application detecting a user attempt to log into a secure resource, the application scanning in-process browser processes to identify a browser process that is in a login state, the application associating the browser process in a login state with one of the trusted sites, the application initiating a new browser session with the trusted site using the associated predefined URL, the application obtaining a login password from the user, the application supplying to the trusted site the associated security key and login password, and the user's computer displaying subsequent browsing activity.