Abstract: The present disclosure is directed to a novel system for using a dual factor authorization design for generating channel-dependent one-time passwords. In particular, the system may extract a client code and user code from an authorization code to be sent to a client and a user, respectively. When the user submits the user code via the client, the user code is combined with the client code to create the full authorization code to allow for the authentication of the user. The authorization code may further be mapped to a specific client and/or context. In this way, the system provides a secure way to minimize the incidence of unauthorized access to a user's account without creating additional technical burdens for the user.

Abstract: Embodiments of the present invention provide a system for secure transfer of encrypted resources and asynchronous execution. In general, a user initiates an event with a merchant system and requests a secure resource transfer process associated with the event. Encrypted initial event details are transmitted through an asynchronous command form the merchant system to a computing device of the user, and resource information is identified at the computing device of the user. The computing device of the user then transmits the event details and the resource information to an event processing system for final execution.

Abstract: Embodiments of the present invention provide a system for executing multiple events in response to receiving an image and extracting identity and contact information from that image. As such, a facial recognition and image hashing process is applied to an image of multiple individuals associated with the multiple events to extract image hashes for each individual. These image hashes are then compared to known, stored image hashes to determine an identity and contact information for each individual. Once this information is collected, the system executes the multiple events based on the determined information about each individual.

Abstract: A computer system supports secondary authentication mechanism for authentication of a user, where the computer system may provide a variety of services including financial, scientific, academic, or governmental services. The computer system utilizes a multiphase distributed trust model in which the user is authenticated based on distributed trust of a set of randomly selected trusted contacts from a large set of trusted contacts initially chosen during an enrollment phase. During the authentication phase, a subset of contacts (affirmers) is selected from the contact list. The computer system then provides additional authentication information to each of the affirmers who subsequently share the information with the user. The user then provides this information from the computer system in order to complete the secondary authentication.

Abstract: A computer system supports secondary authentication mechanism for authentication of a user, where the computer system may provide a variety of services including financial, scientific, academic, or governmental services. The computer system utilizes a multiphase distributed trust model in which the user is authenticated based on distributed trust of a set of randomly selected trusted contacts from a large set of trusted contacts initially chosen during an enrollment phase. During the authentication phase, a subset of contacts (affirmers) is selected from the contact list. The computer system then provides additional authentication information to each of the affirmers who subsequently share the information with the user. The user then provides this information from the computer system in order to complete the secondary authentication.

Abstract: Embodiments of the present invention provide a system for executing multiple events in response to receiving an image and extracting identity and contact information from that image. As such, a facial recognition and image hashing process is applied to an image of multiple individuals associated with the multiple events to extract image hashes for each individual. These image hashes are then compared to known, stored image hashes to determine an identity and contact information for each individual. Once this information is collected, the system executes the multiple events based on the determined information about each individual.

Abstract: Apparatus and methods for protecting biometric authentication information associated with a paper document are provided. A mobile device application may pre-associate the document with a biometric input. The mobile device application may generate a first composite hash value based on a combination of a numerical representation of a first image of the paper document and a numerical representation of a first biometric input. Subsequently, an authentication server may generate a second composite hash value based on a combination of a numerical representation of a second image of the paper document and a numerical representation of a second biometric input. The authentication server may determine whether an edit distance separating the second composite hash value and the first composite hash value is less than a threshold distance. If the edit distance is less than a threshold distance, the paper document may be authenticated.

Abstract: A computer system supports secondary authentication mechanism for authentication of a user, where the computer system may provide a variety of services including financial, scientific, academic, or governmental services. The computer system utilizes a multiphase distributed trust model in which the user is authenticated based on distributed trust of a set of randomly selected trusted contacts from a large set of trusted contacts initially chosen during an enrollment phase. During the authentication phase, a subset of contacts (affirmers) is selected from the contact list. The computer system then provides additional authentication information to each of the affirmers who subsequently share the information with the user. The user then provides this information from the computer system in order to complete the secondary authentication.