Abstract: A communications device for implementing an electronic payment process, the communications device including a receiver unit operable to receive a secure limited use key (SLUK) from a financial institution that is generated by the financial institution using a first limited use key (LUK) generated using a first key associated with the financial institution, an identifier which identifies a user of the communications device, and a variable code, and a subset of the characters of a passcode associated with the user of the communications device, each character in the subset being identified by its character position in the passcode, and the character position in the passcode of each of the characters in the subset being determined by a predetermined algorithm on the basis of a second key associated with the user of the communications device, the identifier which identifies the user of the communications device and the variable code.

Abstract: A communications device for implementing an electronic payment process, the communications device including a receiver unit operable to receive a secure limited use key (SLUK) from a financial institution that is generated by the financial institution using a first limited use key (LUK) generated using a first key associated with the financial institution, an identifier which identifies a user of the communications device, and a variable code, and a subset of the characters of a passcode associated with the user of the communications device, each character in the subset being identified by its character position in the passcode, and the character position in the passcode of each of the characters in the subset being determined by a predetermined algorithm on the basis of a second key associated with the user of the communications device, the identifier which identifies the user of the communications device and the variable code.

Abstract: A device and method for managing personal data. A request for an identifier (ID) token corresponding to a user is received from a virtual wallet. The ID token is generated and transmitted to the virtual wallet, where the ID token is then presented to a third-party entity by a device of the user. A request for the personal data corresponding to the ID token is received from the third-party entity. A trustworthiness score is determined that corresponds to the third-party entity based at least in part on an analysis of entity data corresponding to the third-party entity. The trustworthiness score and received request are transmitted to the virtual wallet and passed on to the user device. An indication of acceptance of the request and encrypted personal data associated with the generated ID token are received from the virtual wallet and transmitted to the third-party entity for processing.

Abstract: A method of generating a plurality of different one time tokens, the method including acquiring a first numerical value from a predetermined sequence of consecutive numerical values, applying format preserving encryption to the acquired first numerical value to generate a first numerical one time token; acquiring a second numerical value from the predetermined sequence of consecutive numerical values, the acquired second numerical value being different to the acquired first numerical value, and applying the format preserving encryption to the acquired second numerical value to generate a second numerical one time token.

Abstract: A communications device for implementing an electronic payment process, the communications device including a receiver unit operable to receive a secure limited use key (SLUK) from a financial institution that is generated by the financial institution using a first limited use key (LUK) generated using a first key associated with the financial institution, an identifier which identifies a user of the communications device, and a variable code, and a subset of the characters of a passcode associated with the user of the communications device, each character in the subset being identified by its character position in the passcode, and the character position in the passcode of each of the characters in the subset being determined by a predetermined algorithm on the basis of a second key associated with the user of the communications device, the identifier which identifies the user of the communications device and the variable code.

Abstract: A method of generating a plurality of different one time tokens, the method including acquiring a first numerical value from a predetermined sequence of consecutive numerical values, applying format preserving encryption to the acquired first numerical value to generate a first numerical one time token; acquiring a second numerical value from the predetermined sequence of consecutive numerical values, the acquired second numerical value being different to the acquired first numerical value, and applying the format preserving encryption to the acquired second numerical value to generate a second numerical one time token.

Abstract: A communications device for implementing an electronic payment process, the communications device including a receiver unit operable to receive a secure limited use key (SLUK) from a financial institution that is generated by the financial institution using a first limited use key (LUK) generated using a first key associated with the financial institution, an identifier which identifies a user of the communications device, and a variable code, and a subset of the characters of a passcode associated with the user of the communications device, each character in the subset being identified by its character position in the passcode, and the character position in the passcode of each of the characters in the subset being determined by a predetermined algorithm on the basis of a second key associated with the user of the communications device, the identifier which identifies the user of the communications device and the variable code.