Abstract: A system and a computer-based method for providing bundled services to a client application in a service call to a service system in a service provider computer system includes receiving a message defining an API service request comprising at least a parameter portion and a payload portion, determining at the gateway system an identity of an application transmitting the received message using identity information that has been established within the service provider computer system, providing, by a services platform, at least one of encryption services and decryption services for data contained in the payload portion using the parameters received in the parameter portion, managing key material for security of the data, and transmitting the encrypted data back to the calling application.

Abstract: An open, on-device Cardholder Verification Method (“CVM”) controller may receive CVM policies from issuers and store the policies in a database. The open, on-device CVM controller may then receive a request from a remote mobile device, and automatically determine at least one issuer associated with the request. Appropriate CVM policies may be retrieved and transmitted to the remote mobile device. An open, on-device CVM application executing on the mobile device may then receive a CVM authentication request, associated with a payment token, from a payment application. Responsive to the authentication request, a CVM policy may be accessed based on the payment token. It may then be arranged for an authenticator of the mobile device to authenticate a user in accordance with the CVM policy. When the user is authenticated, an authentication success indication may be sent from the open, on-device CVM application to the payment application.

Abstract: A system and a computer-based method for providing bundled services to a client application in a service call to a service system in a service provider computer system includes receiving a message defining an API service request comprising at least a parameter portion and a payload portion, determining at the gateway system an identity of an application transmitting the received message using identity information that has been established within the service provider computer system, providing, by a services platform, at least one of encryption services and decryption services for data contained in the payload portion using the parameters received in the parameter portion, managing key material for security of the data, and transmitting the encrypted data back to the calling application.