Abstract: A transaction processing server acts as an identity aggregator and enables transactions between a user computing device and plurality of merchant servers. The transaction processing server receives a request from the user computing device to conduct the financial transaction with a merchant server. The transaction processing server determines a plurality of user identifiers identifying a user account associated with the user computing device at each of a plurality of online systems, where a first identifier is a transaction processing server identifier identifying a user account at the transaction processing server and a second identifier is a merchant identifier identifying a user account at the merchant server. Financial information is retrieved using the plurality of user identifiers.

Abstract: A notification of a selection of a code displayed by a user computing device is received at a transaction processing server. One or more user identifiers associated with the user computing device are determined. Each user identifier identifies a user account at an online system and is determined based on a session with the online system active on the user computing device. Using the determined user identifiers, a user account including a mobile device identifier and user financial information is accessed. A request for user input is sent to a mobile device identified by the mobile device identifier. The request for user input includes a request for completion of a physical act on the mobile device by the user. Responsive to receiving an indication that the physical act was provided at the mobile device, the financial information is transmitted to a merchant server for conducting a financial transaction.

Abstract: The present invention relates to a method and system for mutual authentication of a user and service provider, said method comprising acts of: authenticating an event by a key generation module (KGM), said event is generated on a computing device by a user, sending a shared secret of registered user for the event by an authentication server to the key generation module (KGM), generating one time key by the KGM for the event, transmitting the one time key by appending the shared secret to registered user mobile device, and performing at least one of: authenticating the user for said event by the KGM when a registered user enters the one-time key on the computing device within a predetermined time period, or terminating the event upon receipt of predefined key sequence from the mobile device.

Abstract: Disclosed is a process for mutual authentication of a user and service provider. The process receives, at a key generation module (KGM), a notification of an event generated at a computing device. The process transmits the notification of the event to an authentication server. A third party server receives a shared secret provided by a registered user for the event. The shared secret transmitted to the KGM by the authentication server. The KGM generates a one-time key for the event. The process appends the shared secret to the one time key to generate an appended key, which is transmitted to a registered user mobile device. The process authenticates the event in response to receiving a notification from the computing device within a predetermined time period indicating the one-time key was entered at the computing device.

Abstract: The present invention relates to a method and system for mutual authentication of a user and service provider, said method comprising acts of: authenticating an event by a key generation module (KGM), said event is generated on a computing device by a user, sending a shared secret of registered user for the event by an authentication server to the key generation module (KGM), generating one time key by the KGM for the event, transmitting the one time key by appending the shared secret to registered user mobile device, and performing at least one of: authenticating the user for said event by the KGM when a registered user enters the one-time key on the computing device within a predetermined time period, or terminating the event upon receipt of predefined key sequence from the mobile device.

Abstract: The present invention relates to a method and system for mutual authentication of a user and service provider, said method comprising acts of: authenticating an event by a key generation module (KGM), said event is generated on a computing device by a user, sending a shared secret of registered user for the event by an authentication server to the key generation module (KGM), generating one time key by the KGM for the event, transmitting the one time key by appending the shared secret to registered user mobile device, and performing at least one of: authenticating the user for said event by the KGM when a registered user enters the one-time key on the computing device within a predetermined time period, or terminating the event upon receipt of predefined key sequence from the mobile device.

Abstract: A notification of a selection of a code displayed by a user computing device is received at a transaction processing server. One or more user identifiers associated with the user computing device are determined. Each user identifier identifies a user account at an online system and is determined based on a session with the online system active on the user computing device. Using the determined user identifiers, a user account including a mobile device identifier and user financial information is accessed. A request for user input is sent to a mobile device identified by the mobile device identifier. The request for user input includes a request for completion of a physical act on the mobile device by the user. Responsive to receiving an indication that the physical act was provided at the mobile device, the financial information is transmitted to a merchant server for conducting a financial transaction.

Abstract: Transforming an earphone system from a topology comprising loose ends to a topology comprising one or more loops inhibits knot formation. A cable management device provides for coupling an electrical jack to one or more earbuds comprising the earphone system, thereby eliminating topological loose ends and consequently inhibiting knot formation by eliminating opportunities for knot nucleation at the topological loose ends. A user may conveniently configure their earphones for storage by coupling the electrical jack to each earbud prior to storage. Upon retrieval from storage, the user is advantageously relieved from needing to unknot their earphone system.

Abstract: A transaction processing server acts as an identity aggregator and enables transactions between a user computing device and plurality of merchant servers. The transaction processing server receives a request from the user computing device to conduct the financial transaction with a merchant server. The transaction processing server determines a plurality of user identifiers identifying a user account associated with the user computing device at each of a plurality of online systems, where a first identifier is a transaction processing server identifier identifying a user account at the transaction processing server and a second identifier is a merchant identifier identifying a user account at the merchant server. Financial information is retrieved using the plurality of user identifiers.

Abstract: Methods and systems for transmitting a promotional message associated with a promotion to a mobile device are disclosed. The method includes assigning a phone number to a promotion, receiving a call to the phone number assigned to the promotion from the mobile device, registering the call as a missed call at the mobile device, and transmitting the promotional message to the mobile device in response to receiving the call. In some embodiments, the phone number assigned to the promotion is a toll-free number. In some embodiments, the promotion is a coupon, rebate, an electronic refund, or a promotional offer.

Abstract: Methods and systems relating to enabling a transaction are described. The system includes a point of access device comprising a magnetic card reader adapted to read financial data stored on a magnetic stripe of a card, a fingerprint sensor adapted to detect fingerprint data of a user, a processor adapted to generate an analog signal encoding the financial data and the fingerprint data. The system further includes a transaction processing system comprising an interface for receiving the analog signal and a processor for processing the analog signal and enabling the financial transaction based on the processed signal. The system may further include a mobile phone coupled to the point of access device. The mobile phone receive the analog signal from the point of access device and transmits the analog signal to the transaction processing system.

Abstract: Upon receiving an indication that a user wishes to conduct a financial transaction with an online retailer, the user's identity is determined. Instead of requiring the user to create and log into an account with the online retailer, the user's identity may be determined from an identity framework generated for the user from at least one of a plurality of sessions the user is in. A mobile device identifier, such as a mobile phone number associated with the user's identity framework is then retrieved. The mobile device identifier is then used to complete the financial transaction, providing a measure of security. A one-step or two-step request is transmitted to the mobile device having the associated mobile device identifier to authorize the financial transaction. Upon receiving authorization from the mobile device for the financial transaction, the financial transaction can then be enabled.

Abstract: The present invention relates to a method and system for mutual authentication of a user and service provider, said method comprising acts of: authenticating an event by a key generation module (KGM), said event is generated on a computing device by a user, sending a shared secret of registered user for the event by an authentication server to the key generation module (KGM), generating one time key by the KGM for the event, transmitting the one time key by appending the shared secret to registered user mobile device, and performing at least one of: authenticating the user for said event by the KGM when a registered user enters the one-time key on the computing device within a predetermined time period, or terminating the event upon receipt of predefined key sequence from the mobile device.

Abstract: A system, process and methods for providing secure point of sale and financial transaction authorization, secure party-to-party financial transaction authorization and secure internet transaction authorization using a multi-layer security mechanism aimed at thwarting fraud. A procedure of involving computer system to be utilized with a mobile network to create a secure self-provisioned registration process that will enable creating a secure profile of users that can be subsequently used for logging into a network for transactions in a uncompromised manner.