Abstract: A systems and methods for authenticating a consumer with a transaction card using digital signatures according to one embodiment of the invention is disclosed. These systems and methods allow consumers to digitally sign transaction information with a private key. The private key may be used to digitally sign the transaction, for example, through a hosted or local system that protects the integrity of the private key. A financial institution may authenticate the consumer by decrypting the digital signature with a public key.

Abstract: A systems and methods for authenticating a consumer with a transaction card using digital signatures according to one embodiment of the invention is disclosed. These systems and methods allow consumers to digitally sign transaction information with a private key. The private key may be used to digitally sign the transaction, for example, through a hosted or local system that protects the integrity of the private key. A financial institution may authenticate the consumer by decrypting the digital signature with a public key.

Abstract: Methods and systems for paying a bill over a financial network are provided. Embodiments of the invention include receiving a payment request at an initiator from a consumer. The payment request may be sent to a financial network. Biller routing information for the biller specified in the payment request is determined at the financial network, at the initiator or at a payment processor. The payment request may be sent to a payment processor using biller routing information. A confirmation message may then be sent to the initiator through the financial network. The initiator may then present the approval or denial message directly to the consumer while the consumer is still in the same session with the initiator. The bill may then be settled between the initiator and the payment processor when the financial network receives the confirmation message that includes an approval message.

Abstract: A systems and methods for authenticating a consumer with a transaction card using digital signatures according to one embodiment of the invention is disclosed. These systems and methods allow consumers to digitally sign transaction information with a private key. The private key may be used to digitally sign the transaction, for example, through a hosted or local system that protects the integrity of the private key. A financial institution may authenticate the consumer by decrypting the digital signature with a public key.

Abstract: Systems for enrolling and authenticating transaction cards for PIN-less transactions are disclosed. Enrollment may include subjecting a cardholder to questions regarding previous transaction card transactions and then associating and storing a physical identifier with the transaction card. After enrollment, the cardholder may use the transaction card for PIN-less transactions, for example on the Internet, by successfully providing a physical identifier or pass code that matches the stored physical identifier that was used to enroll the transaction card. Different cardholders may send different types of physical identifier, for example, biometric samples, PC signatures and the like. In yet other embodiments, the system may direct a cardholder to the cardholder's financial institution webpage for authentication of a PIN-less transaction without requiring the cardholder to send a physical identifier.