Abstract: Embodiments of the present invention provide systems and techniques for changing cryptographic keys in high-frequency transaction environments to mitigate service disruptions or loss of transactions associated with key maintenance. In various embodiments, a server device can employ a working key encrypted with a first master key to decrypt messages being communicated from a client device, whereby each message is encrypted with a first cryptogram that was generated based on the working key encrypted with the first master key. While the working key encrypted with the first master key is being employed, the server device can generate a notification including a second cryptogram generated based on the working key encrypted with a second master key for transmission to the client device. The transmitted notification can cause the client device to encrypt the messages being communicated with the second cryptogram.

Abstract: Embodiments of the present invention provide systems and techniques for changing cryptographic keys in high-frequency transaction environments to mitigate service disruptions or loss of transactions associated with key maintenance. In various embodiments, a server device can employ a working key encrypted with a first master key to decrypt messages being communicated from a client device, whereby each message is encrypted with a first cryptogram that was generated based on the working key encrypted with the first master key. While the working key encrypted with the first master key is being employed, the server device can generate a notification including a second cryptogram generated based on the working key encrypted with a second master key for transmission to the client device. The transmitted notification can cause the client device to encrypt the messages being communicated with the second cryptogram.

Abstract: Embodiments of the present invention provide systems and techniques for changing cryptographic keys in high-frequency transaction environments to mitigate service disruptions or loss of transactions associated with key maintenance. In various embodiments, a server device can employ a working key encrypted with a first master key to decrypt messages being communicated from a client device, whereby each message is encrypted with a first cryptogram that was generated based on the working key encrypted with the first master key. While the working key encrypted with the first master key is being employed, the server device can generate a notification including a second cryptogram generated based on the working key encrypted with a second master key for transmission to the client device. The transmitted notification can cause the client device to encrypt the messages being communicated with the second cryptogram.

Abstract: An anchor boot including a cuff, a heel operatively attached to and positioned below the cuff, the heel including a heel flap and a heel turn, a gusset operatively attached to the heel flap, the heel turn, and the cuff, the gusset positioned below the cuff and in front of the heel, a foot operatively attached to the gusset and positioned in front of the gusset, and memory foam imbedded within sides of the gusset provides a more secure and tight fit around the ankles in any type of boot wear. The adjustable configuration allows for use of the anchor boot with any boot but is particularly useful with rubber boots and warm and cold weather wading boots.

Abstract: An anchor boot including a cuff, a heel operatively attached to and positioned below the cuff, the heel including a heel flap and a heel turn, a gusset operatively attached to the heel flap, the heel turn, and the cuff, the gusset positioned below the cuff and in front of the heel, a foot operatively attached to the gusset and positioned in front of the gusset, and memory foam imbedded within sides of the gusset provides a more secure and tight fit around the ankles in any type of boot wear. The adjustable configuration allows for use of the anchor boot with any boot but is particularly useful with rubber boots and warm and cold weather wading boots.

Abstract: Embodiments of the present invention provide systems and techniques for changing cryptographic keys in high-frequency transaction environments to mitigate service disruptions or loss of transactions associated with key maintenance. In various embodiments, a server device can employ a working key encrypted with a first master key to decrypt messages being communicated from a client device, whereby each message is encrypted with a first cryptogram that was generated based on the working key encrypted with the first master key. While the working key encrypted with the first master key is being employed, the server device can generate a notification including a second cryptogram generated based on the working key encrypted with a second master key for transmission to the client device. The transmitted notification can cause the client device to encrypt the messages being communicated with the second cryptogram.

Abstract: Various embodiments automate an authorization for a partial amount in a pre-authorized transaction via a unique data element that uniquely identifies the pre-authorization and does not require multiple traversals over the network of a CAV (e.g., a four-digit pin). In this way, one type of network traversal for pre-authorization (e.g., of a total amount) is utilized via communicating an encrypted CAV, and another type of automated traversal is utilized to complete subsequent corresponding transaction requests (e.g., for partial amounts) via the unique data element (without the CAV). Thus, each portion of a pre-authorized transaction may be transferred individually without repetitively verifying the CAV. In other words, the CAV may be authenticated during the authorization/pre-authorization phase. Thereafter, the CAV need not traverse the network again.

Abstract: A system and method for securing and processing payment transactions of varying payment transaction types via mobile devices is provided. An adaptive payment server can accept requests from a mobile device to process different types of payment transactions via various types of payment devices (for example, credit cards, debit cards, EBT cards, or other payment cards). Credit card transactions, debit card transactions, EBT cash benefits transactions, and/or EBT food stamps transactions can be processed based on identification information retrieved from a corresponding reader device, coupled to the mobile device, and configured to encrypt identification information directly detected by and/or received from the mobile device.

Abstract: A system and method for processing payment transactions via payment devices are provided. Issuer application selection criteria associated with a payment device, merchant application selection criteria associated with an acceptance device, and/or payment network card program file(s) may be evaluated to determine the payment application to be used for processing a payment transaction.

Abstract: A system and method for processing funds transfers that may utilize a dual-message transaction with separate authorization and settlement messages for (consumer authentication value) CAV-based transactions. Initial authorization messages may be communicated to authorize and guarantee funds to a payee for goods and/or services before they are rendered. Thereafter, the payee may initiate one or more settlement advice request messages associated with the authorization/pre-authorization, as goods and/or services are rendered without authorization of CAV.

Abstract: A system and method of processing balance inquiries and electronic funds transfers (EFTs) using multi-factor authentication. The method may include receiving an identifier of a financial account and contact information associated with the financial account and initiating a communication via the contact information. Upon receiving an authentication via the communication, the method may include processing a balance inquiry and/or EFT of the financial account based on the identifier and the authentication. The method may include determining a balance of the financial account based on the balance inquiry and/or causing funds to be electronically transferred. The system and method may also facilitate a balance inquiry from a mobile device to an EFT provider.