Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.

Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.

Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.

Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.

Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.

Abstract: A method and apparatus that accounts for utilization of digital applications on an as used basis is accomplished by compensating a publisher for each use of its digital application instead of a lump sum purchase price. This is done by embedding a tariff file within the digital application where a digital application may be a software application, a video file, a text file, and/or an image file. The embedded tariff file, which includes a digital application identification code and a publisher identification code, is used by a meter module to generate accounting information. The accounting message is routed to a collection agency which, in turn, generates debiting information for the user and crediting information for the publishers of the digital application.

Abstract: A computer-implemented method is provided for compiling software code that performs nested conditional constructs in vector data processors (10). A vector bit stack (128) to record which processing elements (16) were activated and which processing elements were deactivated during execution of a nested conditional construct. Subsequently, when an end of a first nested conditional construct is encountered, a state of the processing elements at a point in time in which the first nested conditional construct was initiated may be popped off of the vector bit stack and a second conditional construct or any other operation may be executed. Therefore, conditional constructs may be executed while ensuring the proper state of the processing elements. The compiler program effectively utilizes the vector bit stack to store prior states of each of the processing elements of the vector data processor such that the processing elements may be efficiently restored to a correct intermediate value.

Abstract: A "vnmvh" instruction reduces a substantial number of instructions and the temporary use of a register in a software code which executes nested conditional constructs in a vector data processor (10). When the vnmvh instruction is executed, all processing elements in the vector data processor participate in the function regardless of a setting of a status bit (Vt bit) (FIG. 6). During execution of the vnmvh instruction, the least significant bits of vector register specified in an operand are negated and moved into a plurality of history bits (Vh bits) (FIG. 6). The functionality provided by execution of vnmvh instruction allows a user to execute a nested conditional construct efficiently and effectively.