Abstract: Disclosed are exemplary embodiments of systems and methods for use in authenticating consumers and/or computing devices to payment accounts. In one exemplary embodiment, a method includes detecting an authorization request for a transaction by a user directed to a payment account of the user and, in response to the authorization request, transmitting, to a communication device of the user, an authentication request including an instruction to move the communication device in a defined manner. The method also includes receiving, from the communication device, an indication of movement of the communication device and comparing, based on one or more curve/pattern matching algorithms, the movement of the communication device, from the indication, to a motion signature. The method then includes, based on a match between the movement of the communication device and the motion signature, communicating an authentication success message for the user to an issuer of the payment account.

Abstract: Disclosed are exemplary embodiments of systems and methods for use in authenticating consumers and/or computing devices to payment accounts. In an exemplary embodiment, a method generally includes generating, by a computing device, an authentication request for a consumer in response to a transaction by the consumer at a merchant. The transaction involves a payment account associated with the consumer, and the authentication request includes a direction to move a communication device associated with the consumer in a manner consistent with a reference movement. The method also includes receiving, by the computing device, an indication of movement of the communication device; comparing, by the computing device, the movement of the communication device to a reference movement; and then authenticating, by the computing device, the consumer to the payment account in connection with the transaction when the comparison indicates that the movement of the communication device matches the reference movement.

Abstract: According to various embodiments, a validation device may be provided. The validation device may include: a source information identification circuit configured to determine information relating to a source file; a source information transmitter configured to transmit the information relating to the source file to a server; a validation program receiver configured to receive a validation program from the server; a validation circuit configured to execute the validation program to validate the source file; and a source transmitter configured to transmit the source file if the validation circuit validates the source file.

Abstract: Data processing systems and methods for authenticating users are disclosed. In one embodiment a data processing system for authenticating a user of a device comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: determine authentication capabilities of the device, the authentication capabilities of the device comprising one or more authentication methods; determine a set of authentication options using the authentication capabilities of the device; send an indication of the set of authentication options to the device; receive an indication of a user selected authentication method from the device; generate an authentication data request corresponding to the user selected authentication method; send the authentication data request to the device; receive an authentication response from the device; and authenticate the user using the authentication response.

Abstract: Disclosed are exemplary embodiments of systems and methods for use in authenticating consumers and/or computing devices to payment accounts. In an exemplary embodiment, a method generally includes generating, by a computing device, an authentication request for a consumer in response to a transaction by the consumer at a merchant. The transaction involves a payment account associated with the consumer, and the authentication request includes a direction to move a communication device associated with the consumer in a manner consistent with a reference movement. The method also includes receiving, by the computing device, an indication of movement of the communication device; comparing, by the computing device, the movement of the communication device to a reference movement; and then authenticating, by the computing device, the consumer to the payment account in connection with the transaction when the comparison indicates that the movement of the communication device matches the reference movement.

Abstract: A method of providing access to file content comprises: receiving, at a shared file content server, a request to access file content stored on the shared file content server from a requestor; determining a shared portion of the file content using stored shared portion indication data; and providing the shared portion of the file content to the requestor. The method allows partial sharing of file content.

Abstract: Disclosed are exemplary embodiments of systems and methods for use in authenticating consumers and/or computing devices to payment accounts. In an exemplary embodiment, a method generally includes generating, by a computing device, an authentication request for a consumer in response to a transaction by the consumer at a merchant. The transaction involves a payment account associated with the consumer, and the authentication request includes a direction to move a communication device associated with the consumer in a manner consistent with a reference movement. The method also includes receiving, by the computing device, an indication of movement of the communication device; comparing, by the computing device, the movement of the communication device to a reference movement; and then authenticating, by the computing device, the consumer to the payment account in connection with the transaction when the comparison indicates that the movement of the communication device matches the reference movement.

Abstract: An apparatus for processing messages is provided. The apparatus includes a computer processor and a data storage device, the data storage device having a message transform module and a message provision module including non-transitory instructions operative by the processor to receive a producer message from a message producer, the producer message being structured according to a producer message schema, the producer message schema defining a plurality of producer message fields, transform the producer message to obtain a subscriber message, wherein transforming the producer message includes applying a subscriber message transform including a set of rules for converting a message from the producer message schema to a subscriber message schema associated with a message subscriber, the subscriber message schema defining a plurality of subscriber message fields, and provide the subscriber message to the message subscriber.

Abstract: Data processing systems and methods for authenticating users are disclosed. In one embodiment a data processing system for authenticating a user of a device comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: determine authentication capabilities of the device, the authentication capabilities of the device comprising one or more authentication methods; determine a set of authentication options using the authentication capabilities of the device; send an indication of the set of authentication options to the device; receive an indication of a user selected authentication method from the device; generate an authentication data request corresponding to the user selected authentication method; send the authentication data request to the device; receive an authentication response from the device; and authenticate the user using the authentication response.

Abstract: According to various embodiments, a validation device may be provided. The validation device may include: a source information identification circuit configured to determine information relating to a source file; a source information transmitter configured to transmit the information relating to the source file to a server; a validation program receiver configured to receive a validation program from the server; a validation circuit configured to execute the validation program to validate the source file; and a source transmitter configured to transmit the source file if the validation circuit validates the source file.

Abstract: An apparatus for processing messages is provided. The apparatus includes a computer processor and a data storage device, the data storage device having a message transform module and a message provision module including non-transitory instructions operative by the processor to receive a producer message from a message producer, the producer message being structured according to a producer message schema, the producer message schema defining a plurality of producer message fields, transform the producer message to obtain a subscriber message, wherein transforming the producer message includes applying a subscriber message transform including a set of rules for converting a message from the producer message schema to a subscriber message schema associated with a message subscriber, the subscriber message schema defining a plurality of subscriber message fields, and provide the subscriber message to the message subscriber.

Abstract: A method of providing access to file content comprises: receiving, at a shared file content server, a request to access file content stored on the shared file content server from a requestor; determining a shared portion of the file content using stored shared portion indication data; and providing the shared portion of the file content to the requestor. The method allows partial sharing of file content.

Abstract: Disclosed are exemplary embodiments of systems and methods for use in authenticating consumers and/or computing devices to payment accounts. In an exemplary embodiment, a method generally includes generating, by a computing device, an authentication request for a consumer in response to a transaction by the consumer at a merchant. The transaction involves a payment account associated with the consumer, and the authentication request includes a direction to move a communication device associated with the consumer in a manner consistent with a reference movement. The method also includes receiving, by the computing device, an indication of movement of the communication device; comparing, by the computing device, the movement of the communication device to a reference movement; and then authenticating, by the computing device, the consumer to the payment account in connection with the transaction when the comparison indicates that the movement of the communication device matches the reference movement.

Abstract: Computer-implemented methods and systems of processing a fund transfer from a payer to a payee via a payment network are disclosed. A payer's communication device is used to make a fund transfer request and send payee information to a payment network server. The payee information includes a photograph of the payee and a name of the payee's bank. The payment network server sends the photograph to a server of the payee's bank so that the payee's account information can be identified by interrogating an account database using the photograph. The fund transfer to the payee's account is then effected. Corresponding systems, devices and computer program products for carrying out the methods above are also provided.