Abstract: Embodiments of the invention can combine card not present transaction processing with PIN verification. A merchant or a consumer can initiate transactions using any suitable transaction initiation channel. One aspect of the invention helps facilitate payment card authentication across multiple wallet providers/merchants using an encrypted card PIN and a digital certificate. One aspect of the invention can incorporate the use of different transaction networks to perform authentication and authorization processing.

Abstract: Efficient methods and systems for verifying personal identifiers in transactions such as financial transactions are disclosed. In an exemplary method, an authentication server computer may provide an account number and a personal identifier such as a PIN to a payment processing network server computer. The payment processing network server computer may then determine which of a plurality of authentication processes to initiate.

Abstract: Embodiments of the invention can combine card not present transaction processing with PIN verification. A merchant or a consumer can initiate transactions using any suitable transaction initiation channel. One aspect of the invention helps facilitate payment card authentication across multiple wallet providers/merchants using an encrypted card PIN and a digital certificate. One aspect of the invention can incorporate the use of different transaction networks to perform authentication and authorization processing.

Abstract: Embodiments of the invention can combine card not present transaction processing with PIN verification. A merchant or a consumer can initiate transactions using any suitable transaction initiation channel. One aspect of the invention helps facilitate payment card authentication across multiple wallet providers/merchants using an encrypted card PIN and a digital certificate. One aspect of the invention can incorporate the use of different transaction networks to perform authentication and authorization processing.

Abstract: Efficient methods and systems for verifying personal identifiers in transactions such as financial transactions are disclosed. In an exemplary method, an authentication server computer may provide an account number and a personal identifier such as a PIN to a payment processing network server computer. The payment processing network server computer may then determine which of a plurality of authentication processes to initiate.

Abstract: Efficient methods and systems for verifying personal identifiers in transactions such as financial transactions are disclosed. In an exemplary method, an authentication server computer may provide an account number and a personal identifier such as a PIN to a payment processing network server computer. The payment processing network server computer may then determine which of a plurality of authentication processes to initiate.

Abstract: Efficient methods and systems for verifying personal identifiers in transactions such as financial transactions are disclosed. In an exemplary method, an authentication server computer may provide an account number and a personal identifier such as a PIN to a payment processing network server computer. The payment processing network server computer may then determine which of a plurality of authentication processes to initiate.

Abstract: Embodiments of the invention can combine card not present transaction processing with PIN verification. A merchant or a consumer can initiate transactions using any suitable transaction initiation channel. One aspect of the invention helps facilitate payment card authentication across multiple wallet providers/merchants using an encrypted card PIN and a digital certificate. One aspect of the invention can incorporate the use of different transaction networks to perform authentication and authorization processing.

Abstract: A system, apparatus, and method includes infrastructure and processes to enable a consumer to register their mobile phone number and associate that number with a payment account. After registration, the consumer may use their mobile phone to initiate or perform one or more stages of a payment transaction. The payment transaction is recognized as being initiated or performed by a mobile phone, and in response a server may authenticate the transaction based on the mobile phone number and a previous registration and authentication process. In other embodiments, the server may recognize the payment transaction as being initiated or performed by a mobile phone, and in response contact the consumer using the mobile phone to request confirmation of the consumer's desire to perform the transaction.