Abstract: A computer-based method for communicating liability acceptance for payment card transactions is provided. The method uses a computer device including a processor and a memory. The method includes receiving, by the processor, a transaction authorization request message for a payment card transaction having a default-liable party. The transaction authorization request message includes a shifted-liability acceptance indicator identifying a different party to the transaction that accepts liability for the payment card transaction. The method also includes authorizing the payment card transaction based at least in part on the shifted-liability acceptance indicator. The shifted-liability acceptance indicator changes the liability for the payment card transaction from the default-liable party to the different party accepting liability.

Abstract: A computer-based method for communicating liability acceptance for payment card transactions is provided. The method uses a computer device including a processor and a memory. The method includes receiving, by the processor, a transaction authorization request message for a payment card transaction having a default-liable party. The transaction authorization request message includes a shifted-liability acceptance indicator identifying a different party to the transaction that accepts liability for the payment card transaction. The method also includes authorizing the payment card transaction based at least in part on the shifted-liability acceptance indicator. The shifted-liability acceptance indicator changes the liability for the payment card transaction from the default-liable party to the different party accepting liability.

Abstract: A computer-based method for communicating liability acceptance for payment card transactions is provided. The method uses a computer device including a processor and a memory. The method includes receiving, by the processor, a transaction authorization request message for a payment card transaction having a default-liable party. The transaction authorization request message includes a shifted-liability acceptance indicator identifying a different party to the transaction that accepts liability for the payment card transaction. The method also includes authorizing the payment card transaction based at least in part on the shifted-liability acceptance indicator. The shifted-liability acceptance indicator changes the liability for the payment card transaction from the default-liable party to the different party accepting liability.

Abstract: A one-time passcode authentication system includes an application server, an authentication server, and an access device, wherein the access includes an authentication engine configured to receive an authentication request from the authentication server and automatically, or in response to a single user input, initiate an access request to the application server, wherein the access request includes a token extracted from the authentication request, and the application server is configured to receive the access request, query the authentication server to authenticate the token, and enable access to an application if the token is authenticated.

Abstract: A one-time passcode authentication system includes an application server, an authentication server, and an access device, wherein the access includes an authentication engine configured to receive an authentication request from the authentication server and automatically, or in response to a single user input, initiate an access request to the application server, wherein the access request includes a token extracted from the authentication request, and the application server is configured to receive the access request, query the authentication server to authenticate the token, and enable access to an application if the token is authenticated.

Abstract: A one-time passcode authentication system includes an application server, an authentication server, and an access device, wherein the access includes an authentication engine configured to receive an authentication request from the authentication server and automatically, or in response to a single user input, initiate an access request to the application server, wherein the access request includes a token extracted from the authentication request, and the application server is configured to receive the access request, query the authentication server to authenticate the token, and enable access to an application if the token is authenticated.

Abstract: A one-time passcode authentication system includes an application server, an authentication server, and an access device, wherein the access includes an authentication engine configured to receive an authentication request from the authentication server and automatically, or in response to a single user input, initiate an access request to the application server, wherein the access request includes a token extracted from the authentication request, and the application server is configured to receive the access request, query the authentication server to authenticate the token, and enable access to an application if the token is authenticated.

Abstract: A computer-based method for communicating liability acceptance for payment card transactions is provided. The method uses a computer device including a processor and a memory. The method includes receiving, by the processor, a transaction authorization request message for a payment card transaction having a default-liable party. The transaction authorization request message includes a shifted-liability acceptance indicator identifying a different party to the transaction that accepts liability for the payment card transaction. The method also includes authorizing the payment card transaction based at least in part on the shifted-liability acceptance indicator. The shifted-liability acceptance indicator changes the liability for the payment card transaction from the default-liable party to the different party accepting liability.