Abstract: The present invention relates to a method (10) of requesting consent from a consumer to complete an action. The method (10) comprises: determining (1) a time interval during which a probability of a consumer providing consent to complete the action exceeds a probability of the consumer not providing consent to complete the action; and requesting (2) consent from the consumer to complete the action during the time interval. Also disclosed is a system (30) for requesting consent from a consumer to complete an action. The system (30) comprises a probability processor (31) and a request processor (32). The probability processor (31) is configured to determine a time interval during which a probability of a consumer providing consent to complete the action exceeds a probability of the consumer not providing consent to complete the action. The request processor (32) is configured to request consent from the consumer to complete the action during the time interval.

Abstract: The present invention relates to a computer implemented method (10) of completing a transaction. The method (10) comprises: providing (1) a consent start date from a consumer, providing (2) a consent end date from the consumer, requesting (3) authorisation to complete the transaction on a specified date, and providing (4) authorisation to complete the transaction if the specified date is the same as or later than the consent start date and the same as or earlier than the consent end date. Also disclosed is a system (30) for completing a transaction. The system (30) comprises a payment system (31), a merchant system (32) and an issuer system (33). The payment system (31) is configured to provide a consent start date from a consumer and a consent end date from the consumer. The merchant system (32) is configured to request authorisation to complete the transaction on a specified date.

Abstract: A method and system include providing a user interface associated with an issuer of an account; receiving, at the user interface, a request to generate a token associated with a user account; generating at least one token associated with the user account; authenticating one or more elements associated with the user account, wherein authentication may be one of prior to and subsequent to the generation of the at least one token; and receiving the at least one token. Numerous other aspects are provided.

Abstract: A method of establishing a digital identity for use of an online service and of subsequently using the digital identity to perform the online service is described. A digital identity for the online service is bound to computer hardware associated with the digital identity. A user associated with the digital identity provides a user authentication at the computer hardware associated with the digital identity. The digital identity is enrolled for the online service, and a first instance of the online service for the digital identity is performed. A common user authentication process result completes enrolment of the digital identity and authenticates the digital identity for performing said first instance of the online service.

Abstract: A method of establishing a digital identity for use of an online service and of subsequently using the digital identity to perform the online service is described. A digital identity for the online service is bound to computer hardware associated with the digital identity. A user associated with the digital identity provides a user authentication at the computer hardware associated with the digital identity. The digital identity is enrolled for the online service, and a first instance of the online service for the digital identity is performed. A common user authentication process result completes enrolment of the digital identity and authenticates the digital identity for performing said first instance of the online service.

Abstract: There is provided an intermediary server system for providing data for use in authenticating an interaction between the mobile device and a gateway. This server system comprises: an input configured to receive, from the mobile device, interaction data comprising a plurality of interaction data items associated with the interaction and a security identifier uniquely identifying the interaction. The server system further comprises a processor configured with instructions that when executed cause the processor to: generate a request for reference data to be associated with the security identifier, the request comprising at least one of the plurality of interaction data items and the security identifier; transmit, to a remote authentication server, the generated request; receive, from the remote authentication server, the dynamic reference data; and alter the received interaction data by replacing at least one of the plurality of interaction data items with the dynamic reference data.

Abstract: A method and system include providing a user interface associated with an issuer of an account; receiving, at the user interface, a request to generate a token associated with a user account; generating at least one token associated with the user account; authenticating one or more elements associated with the user account, wherein authentication may be one of prior to and subsequent to the generation of the at least one token; and receiving the at least one token. Numerous other aspects are provided.