Abstract: Disclosed herein is a method for outputting information on a display of a mobile device 104, the method comprising: transmitting, by the mobile device 104, a request to a server for one or more tokens; receiving, by the mobile device 104, one or more tokens from the server; generating, by the mobile device 104, a single use code in dependence on a received token; generating, by the mobile device 104, code data by encoding information, wherein said information is for use in a transaction and comprises the generated single use code, an identification number and/or expiry information; and displaying, by the mobile device 104, an image corresponding to the code data on a display of the mobile device 104. Advantageously, the mobile device securely obtains and generates information for outputting on a display of the mobile device. The information can be transferred from the mobile device by reading an image, corresponding to the information, that is displayed by the mobile device.

Abstract: A method of providing particular account configurations to a user of a mobile device based on a predetermined account configuration offering between a mobile device manufacturer and a third-party service provider based on a code stored on the mobile device. During the out-of-box experience (OOBE) when the user is initially configuring the mobile device, the third-party provider receives user information, a code, and a mobile device identification number. The third-party service provider confirms that the mobile device is eligible for the particular account configuration by using the code and mobile device identification number. Once account configuration eligibility is confirmed, the third-party service provider associates the particular account configuration with either an existing user account or with a new user account established during the OOBE.

Abstract: A secure ID authentication system for authenticating over the Internet network a response from a user module such as an Internet-enabled mobile phone or a computer to a request from an application-programming interface (API) to authenticate a transaction, in which; a PIN request is sent to the user module which displays an “enter pin” prompt; the user module encodes a message comprising its user ID and the PIN using a first code and transmits the thus encoded message to an identity application server (IAS) which has a database of user IDs and associated PINs; the IAS encodes the received message using a second code and transmits the thus twice encoded message back to the user module; the user module part decodes the now twice encoded message by reversing the first code and transmits the part decoded message back to the IAS: the IAS fully decodes the message by reversing the second code; the IAS checks the fully decoded message against the database to confirm or otherwise that it holds the combination user ID

Abstract: An illustrative method, system, and device for communicating a message over a network between a trusted service manager and a mobile device having a security element includes the steps of: providing a message having a header field and a message field; providing a number in the header field that is unique to the mobile device; providing a message in the message field, the message coming from the mobile device if communicated from the mobile device to a trusted service manager and coming from the trusted service manager if communicated from the trusted service manager to the mobile device; and providing a messaging protocol that enables the network to distinguish between a message having the unique mobile device number in the header field and a message that is without the unique mobile device number in the header field.

Abstract: A multimode system for receiving data in a retail environment includes: a secure input module for receiving high security input and low security input from a customer, the high security input to be communicated by the secure input module in cipher text, and the low security input to be communicated by the secure input module in plaintext. The multimode system is adapted to operate in a high security mode and a low security mode. The multimode system is adapted to enter the low security mode upon detection by the multimode system of a security breach condition. In the high security mode, the secure input module accepts low security input and high security input. In the low security mode, the secure input module accepts the low security input and does not accept the high security input.

Abstract: To obtain user approval of network transactions at different levels of security, a network site selects a form in which a transaction with be presented to the user from a group of transaction presentation forms including presentation of the transaction in a browser pop-up window on a user network device, in a security software application window on the user network device, and in a security application window on another user network device. The network site also selects a type of approval of the transaction required from the user from a group of transaction approval types including approval requiring no action by the user after presentation of the transaction, the user to actively approve the presented transaction, and the user to sign the presented transaction. The transaction, the selected transaction presentation form, and the selected type of user transaction approval, are transmitted to obtain approval of the transaction by the user.

Abstract: A vending machine can include a secure payment platform comprising one or more secure components for communicating sensitive information, an alphanumeric keypad configured outside of the secure payment platform for receiving input., and a keypad application operating within the secure payment platform to obtain input received on the alphanumeric keypad.

Abstract: A system and method for providing a touch sensor disposed in a vehicle, wherein the touch sensor may be a portable device that is removable from the vehicle such as a tablet computer or it may be a built-in device, wherein the touch sensor may store account information in a secure element in order to make a secure payment by wirelessly communicating with a merchant terminal from within the vehicle in order to make a financial transaction without giving a physical credit or debit card to the merchant.

Abstract: Methods, systems, apparatus, and computer program products are provided for facilitating anonymous texts and payments between a buyer and a seller. In one embodiment, a method is provided comprising (a) receiving input indicating a user selection of an item associated with a seller and a price that a user is interested in buying; (b) receiving a first text message from the user comprising a buy command; (c) providing a prompt to the user to provide a passcode via a second text message; (d) receiving a third text message from the user comprising a passcode; and (e) facilitating payment by the user to the seller of an amount based at least in part on the price associated with the item.

Abstract: The present invention relates to a method of authorising a transaction process, whereby a communication between a payment device and a payment processing network is established. Subsequently a transaction is initialised at the payment device, the input of a first User Identification Metric (UIM) is requested, the input of a second UIM is requested, the first and second UIMs are verified and the transaction process proceeds if both UIMs are verified.

Abstract: Encrypting sensitive information sent using an interactive voice response (IVR) system. The systems and methods may include an HSM that provides a secure platform to encrypt the sensitive information. They may also include interfaces with IVR systems and transaction processing hosts. The systems and methods may interact directly with a customer using an IVR to receive the sensitive information. They may also provide for a secure platform to validate the strength of the information, such as a PIN or password, prior to further processing of the sensitive information.

Abstract: The invention provides systems and methods of authenticating a customer device, in conjunction with a requested interaction, the customer device associated with a customer, the method performed by an authentication entity processing portion in the form of a tangibly embodied computer.

Abstract: A user makes a payment at a POS by entering the user's phone number (either through a keypad or via a card swipe) and PIN into a POS device (such as through a keypad). That information is communicated to a payment provider, who can then access the user's account, determine whether to approve or deny the payment, and notify the merchant of the decision.

Abstract: A system for facilitating the transaction of donation funds is disclosed. The system allows for the collection and disbursement of recurring donations. The system comprises a plurality of donors (110), at least one donation collecting institution (120) and a plurality of recipients (130). The plurality of donors (110) contribute donations to the donation collecting institution (120) in which the donations are gathered to form a pool of donation funds. The pool of donation funds is supervised and controlled by at least one global entity (125) which disburses and distributes the pool of donation funds to the plurality of recipients (130) via a plurality of kiosk terminals in the form of mobile airtime credit and mobile wallet points.

Abstract: Payepos Card or Payepos Top Up Card is a card to send and receive money is a most robust way to curb payments fraud. This is a magnetic swipe card with 16 or more digit card number, barcode, PIN OR SECURITY CODE etc. User can pay in cash or use their bank debit or credit card at POS to top up their account to pay websites, shopping, businesses and individuals. Similarly they can receive money from other Payepos account users, websites, businesses and individuals straight through POS. Furthermore trusted bank or building societies and companies are able to transfer money to Payepos from their existing arrangements. User is able to transfer balance to their bank account. www.payepos.com and any form of future developments, processes, charges, web shopping cart, tools, devices; software and hardware interfaces are integral content of Payepos Card and or Payepos Top Up Card.

Abstract: Systems and methods are described for a power aggregation system. In one implementation, a method includes a establishing a communication connection with each of multiple electric resources connected to a power grid, receiving an energy generation signal from a power grid operator, and controlling a number of the electric resources being charged by the power grid as a function of the energy generation signal.

Abstract: An access control method for a wireless client in a wireless communication system is disclosed. The access control method comprises receiving a distinguish signal from a wireless key distributor when the wireless client approaches the wireless key distributor; activating a application unit of the wireless client upon reception of the distinguish signal, wherein the application unit is associated with the distinguish signal; sending an access information request to the wireless key distributor; receiving access information from the wireless key distributor; configuring the wireless client with the access information; and using the access information to access a wireless access appoint.

Abstract: A method of processing commercial transactions carried out over the Internet (50) between account holders (30) and participating merchants (20) includes receiving a purchase request (352) of a buyer from a participating merchant (20) indicating that the buyer desires to carry out a transaction with the merchant (20). The transaction includes the buyer purchasing one or more selected items (340) from the merchant (20). The buyer is authenticated (310) as an account holder (30) and transaction fulfillment data (362) is established. The transaction fulfillment data (362) indicates a delivery destination for the selected items. In turn, the transaction fulfillment data (362) is communicated to the participating merchant (20), and transaction details (384) from the participating merchant (20) are received. The transaction details (384) include a cost for the selected items.

Abstract: A system, method and computer program product for processing payments for goods or services, including a payment processor that receives a payment request from a merchant for goods or services and that includes a mobile phone number or mobile phone account of a user, sends a payment authorization request text message to the mobile phone requesting payment authorization, and receives a payment authorization text message from the mobile phone authorizing or not authorizing the payment. If the payment is authorized, the payment processor pays the merchant and charges the mobile phone account for the payment. If the payment is not authorized or if the payment is not received within a predetermined period of time, the payment processor declines to pay the merchant for the goods or services.

Abstract: A system, method and computer program product for processing payments for goods or services, including a payment processor that receives a payment request from a merchant for goods or services and that includes a mobile phone number or mobile phone account of a user, sends a payment authorization request text message to the mobile phone requesting payment authorization, and receives a payment authorization text message from the mobile phone authorizing or not authorizing the payment. If the payment is authorized, the payment processor pays the merchant and charges the mobile phone account for the payment. If the payment is not authorized or if the payment is not received within a predetermined period of time, the payment processor declines to pay the merchant for the goods or services.

Abstract: A system and method for conducting payment transaction using a mobile device equipped with a NFC interrogator, comprising: creating a payer user account in a server and associating a payer mobile device with the payer user account; registering, by the server, a payee NFC identity tag; recording, by the server, a payment transaction and associating the payment transaction record to the payee NFC identity tag; interrogating the payee NFC identity tag by the payer mobile device; transmitting the acquired identifier of the payee NFC identity tag to the server; matching the received identifier to the associated payment transaction record; retrieving and sending to the payer mobile device the matched associated payment transaction information; displaying the payment transaction information in the payer mobile device for user confirmation; transmitting the confirmed information and the payer mobile device identification data to the server to complete the payment transaction.

Abstract: The present invention relates to a touch screen having an integrated EPP and an input information processing method for an automated teller machine using the same, and more particularly, to a touch screen provided as user interface in an automated teller machine, wherein the touch screen and an EPP module are formed integrally such that a screen displayed on the touch screen is configured to be controlled by a security CPU of the EPP module integrated with the touch screen when a customer using the automated teller machine inputs information required to be encrypted, such as a password required for a financial transaction, through the touch screen of the automated teller machine during the financial transaction, thereby initially preventing the leakage of important financial information through the illegal hacking of the CPU of the automated teller machine and the like.

Abstract: A display-enabled card with security authentication function includes a flexible card structure internally provided with a flexible electronic system, which includes a flexible display, a power supply module for supplying a DC voltage, a driving control module having a DC voltage converter for converting the DC voltage into a first driving voltage; a smart IC connected to the driving control module, a communication module connected to and working with the smart IC to perform security authentication, and a power management module arranged between the power supply module, the driving control module and the smart IC to provide the DC voltage to the driving control module and convert the DC voltage into a second driving voltage. The driving control module directly reads data stored in the smart IC and drives the flexible display to show the read data, so as to avoid poor sensing or data communication due to unstable voltage.

Abstract: A self-authenticating credit card includes an input device for entering a PIN. The PIN is accepted by a micro-controller that uses the entered PIN as an encryption key for decrypting stored account information. A portion of the account information includes data, that when decrypted, contains an image that is rendered on an integral display, with account information sent to a transaction terminal. A timer is used to limit access to account data while in the unlocked state.

Abstract: A method of and system for making purchases over a computer network using an ATM card or the like is provided. In accordance with the invention, a consumer transmits his ATM card number over the network to an on-line merchant. The on-line merchant then forwards the ATM card number to a third party contractor, such as a bank, that will oversee and authorize the transaction. Simultaneously or thereafter, the consumer transmits his PIN over the network to the third party contractor, who verifies that the ATM card number and PIN are valid.

Abstract: Embodiments of the present invention provide a method for voice approval, where the method includes: receiving voice approval request information sent by an enterprise application server; establishing a voice communication connection with the terminal according to the contact information of the approver terminal; sending approval content audio information corresponding to the voice approval request information to the approver terminal; receiving feedback information, and obtaining approval result information according to the feedback information; and sending the approval result information to the enterprise application server. Embodiments of the present invention also provide a device and system for voice approval. In the embodiments of the present invention, the enterprise application server and the enterprise gateway are combined and improved to enable an approver to approve, in voice mode, an approval request raised by an applicant, thereby increasing the approval efficiency.

Abstract: Disclosed is a method and system for controlling allocation and transfer of funds among multiple recipients. The method includes receiving registration information from a user, storing the registration information, assigning to the user a primary account, and multiple sub-accounts linked to the primary account in a waterfall hierarchy, receiving recipient account information to be linked to the sub-accounts, receiving a set of selectively repeating predefined rules corresponding to the sub-accounts. The rules include a funds allocation rule for allocating a portion of funds deposited in the primary account into the sub-accounts, and determining if allocated funds in the sub-accounts has hit the allocated target, a payment transfer rule for transferring the allocated target funds in the sub-accounts to the recipient account, and an authentication verification rule for verifying authentication of the user for updating the rules corresponding to the sub-accounts.

Abstract: A method and a system for processing an online financial transaction executed at least partially by a computing device coupled to a communications network, comprising a rule-module nexus for processing an online financial transaction, an on-line verification platform, an online user account registry, wherein the on-line financial transaction comprises a payor-payee transaction, wherein the user is the payor and a merchant is the payee, and comprising at least one of the following: (a) the user and the payee are each directly and independently connected to the rule-module nexus during simultaneous logon sessions via a communication network, and wherein upon the user clicking on a website widget of the payee, the rule-module nexus transmits secure socket layer data directly to the user interface apparatus for display to the user via a pop-up window, without requiring application programming interface integration with a website of the payee and without requiring a form re-direct of the user away from the website

Abstract: A system for facilitating a financial transaction between a prospective transactor and a transactee has an identity and account verifying facility for verifying the identity of the prospective transactor and an account that the prospective transactor has with a financial institution, the identity and account verifying facility being operated by an independent verifier. The identity and account verifying facility includes a storage means for storing an identifier of the prospective transactor and details of at least one account held by the transactor at the financial institution. An identifier input means is provided whereby the transactor enters his identifier when he subscribes to the service.

Abstract: A system and method for authenticating a personal identification number (PIN) associated with a payment card of a cardholder, the PIN being a code having a sequence of digits, the method comprising the steps of: presenting a PIN entry request including identifying a digit subset of the code, such that the digits in the digit subset is at least one digit less than the digits of the code; receiving the digit subset in response to the PIN entry request; sending an authentication request based on the digit subset; receiving an authentication response including response data; and presenting a response to the cardholder based on the response data, the response including information representative of whether the PIN was successfully authenticated or not using the digit subset.

Abstract: A simple, non-intrusive, fraud free payment method for customers to make Internet purchases without using credit cards or revealing personal information. Customers can purchase any specific dollar amount of pay codes via on-line purchase by logging into their financial institution and purchasing the codes, via phone banking (using mobile phone or fixed telephone line) or via Automated Teller Machine (ATM). There is no need for the customer to first open an account with the payment service. The easy and fast set-up of a secure payment gateway for website merchants to receive payments for their goods purchased at their websites, eliminates the need of setting up a merchant account, chargeback and being penalized by banks for chargeback on sales. The amount due to the web merchant from the Internet transaction is credited directly into the merchant's bank account when the transaction and payment is approved by the customer's bank.

Abstract: A gaming system is provided. The gaming system allows users to access applications via gaming communication devices coupled to a communication network. At least a portion of the network may be wireless. The gaming applications include gambling, financial, entertainment service, and other types of transactions. The system may include a user location determination feature to prevent users from conducting transactions from unauthorized areas. The gaming system may incorporate a user profile feature according to which certain information regarding users of the system may be maintained. Such information can include, without limitation, information relating to preferences, finances, activities participated in by the users, and trends and habits of the users.

Abstract: A device for storing and transmitting information stored data cards preferably includes a case, a central processing unit (CPU), an operating system, a keypad, a screen display, a secure memory device and a transmission element. A PIN must be entered through the keyboard to operate the electronic card device. The PIN is stored in the secure memory device, Data cards may be entered through a card swipe, a global platform smart card device, a NUMI Key system and manual entry. The transmission element includes a programmable magnetic stripe. The programmable magnetic stripe is programmed to replicate the data on a magnetic stripe of a card. A programmable magnetic stripe is readable by a card transaction device. The operating system displays the cards retained in the memory device through the screen display. The electronic card device preferably includes a global platform smart card device for reading and writing NFC data. Inputs and presentments are performed primarily by end user self-provisioning.

Abstract: A first storage device provides a host device with access to a private memory area by communicating a password between the first storage device and a second storage device via the host device using a double-encryption scheme. In one embodiment, a host device receives a twice-encrypted password from a first storage device, sends the twice-encrypted password to a second storage device, receives a once-encrypted password from the second storage device, decrypts the once-encrypted password to obtain the password, and sends the password to the first storage device. In another embodiment, a first storage device sends a twice-encrypted password to a host device, receives the password from the host device after the twice-encrypted password is decrypted by a second storage device and the host device, and provides the host device with access to the private memory area only if the password matches one that is stored in the first storage device.

Abstract: A system and method for using a Personal Identification Number (“PIN”) to authenticate payment transactions via a mobile device coupled to a reader device is described. The reader device may be modified to not only read and encrypt first identification information from a payment medium such as a magnetic strip of a payment card, but also receive a PIN from the mobile device and encrypt the PIN. The mobile device may be configured to prompt for and receive the PIN. The PIN may be communicated to the reader device for encryption. The mobile device may receive the encrypted first identification information and encrypted PIN and communicate the encrypted data to an adaptive payment server that decrypts the encrypted data for processing the payment transaction. The system may be used to securely process PIN-based payment transactions using a mobile device that is communicably coupled to a reader device.

Abstract: A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

Abstract: A mobile device includes a housing and an antenna mounted in or on the housing. The antenna is for transmitting and receiving transaction signals to and from a point of sale (POS) terminal. The device also includes at least one user interface element mounted on the housing and a transceiver mounted in the housing and coupled to the antenna. Still further, the device includes a secure element mounted in the housing. The secure element is coupled to the transceiver and stores a payment application program. The payment application program is for handling exchanging of the transaction signals with the POS terminal. A tick counter is operated within the secure element. The tick counter is for enforcing at least one time-out period with respect to transactions handled by the payment application program.

Abstract: The present invention provides a financial transaction facilitating device for facilitating a financial transaction at an ATM, point of sale station, via the Internet or to login to a financial account by generating a PIN in response to a correct biometric identifier being supplied. Also provided are a financial transaction processing facility, a method of facilitating a financial transaction and a method of processing a financial transaction.

Abstract: Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor.

Abstract: Computer implemented methods and systems for fulfilling a customer request for a requested item purchased from a merchant is provided. The method may be performed by a tangibly embodied processing machine disposed in a customer device. The method may include (1) observing, through the input of information, an observed event that is associated with a customer; (2) associating the observed event with a corresponding order record; (3) retrieving order information from the corresponding order record, the order information including at least customer financial entity account information; (4) generating a merchant request based at least in part on the order information in the corresponding order record, the merchant request including at least customer identification information and customer financial entity account information; and (5) outputting the merchant request to the designated merchant, so as to provide the designated merchant with information to fulfill the customer request.

Abstract: A method for verifying permission to use a payment system such as an electronic credit card, using a hand held communication device such as a smart phone, where the customer presents the communication device to a merchant who extracts account information from the hand held device, and the hand held device generates a transaction code that is shared with the merchant and sent by both to a financial institution. The financial institution sends a new random code to the user and the merchant, which can be compared to verify the user's account and the financial institution's approval of the transaction.

Abstract: The present disclosure is related to a method for securing financial transaction. The method includes encrypting transaction information on a server 102 upon receipt of said information from a computing device 101. Encoding the encrypted transaction information into a predefined image pattern and transmitting the encoded image to the computing device 101. The method further includes scanning the image displayed on the computing device 101 from user's mobile device 103 to decode the scanned image and to decrypt the transaction information. The method also includes prompting the user upon successful decryption to enter Personal Identification Number (PIN) into the mobile device 103 to generate a unique signature. Finally, the user enters the signature on the computing device 101 for validation of said signature by the server 102 to secure the financial transaction.

Abstract: Particular embodiments provide a method for orchestrating an order fulfillment business process that includes a sub-process. In one embodiment, abstraction of business processes from an underlying information technology (IT) infrastructure is provided. An orchestration process can be designed using sub-processes such that the sub-process is assembled at run-time into an executable process. The sub-process may be defined in an interface as a single step. A plurality of services as then assembled as steps in the executable process at run-time.

Abstract: A method and system of encrypting a Personal Identification Number (PIN) using a portable payment device includes a portable payment device in communication with a network and a payment processor, and may be configured to receive a first encryption key from the payment processor, to receive a PIN, to encrypt the PIN using the first key, and to provide the encrypted PIN to the payment processor in a form useable to process a payment authorization message or transaction request. The first key may be protected by cryptographic camouflaging using a password. The password may be received by the device and used to decamouflage the first key, and the decamouflaged first key may be used to encrypt the PIN. In one configuration, the first key may be a symmetric key, such that a PIN encrypted by the first key may be of a standard format usable in existing payment systems.

Abstract: A wagering game system and its operations are described herein. In embodiments, the operations can include managing multiple instances of gaming applications associated with a wagering game client device and determining event data from the multiple instances of gaming applications. The operations can further include aggregating the event data into an event repository and determining that a requesting application requests some portion of the event data. The operations can further include opening a communication channel between the event data repository and the requesting application, formatting the requested portion of the event data in a format understandable to the requesting application, and communicating the requested portion of the event data to the requesting application via the communication channel.

Abstract: Disclosed are systems and methods for establishing a personal identification number (PIN). The systems and methods provide techniques to begin a remote session with a customer, prompt the customer to select a PIN to associate with a financial account card during the remote session, and receive the PIN from the customer during the remote session.

Abstract: A server is operable to receive a media device identifying number (ID) and to create an established association between the media device with a payment account and to support at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. The server is further operable to produce the payment account information to a smart card personalization service server to facilitate creation of a smart card with the payment account information that is associated with the media device. The server is also operable to produce the media device ID to the smart card personalization service server to facilitate creation of a smart card with the payment account information based in part on the media device ID.

Abstract: Embodiments for providing differentiated access based on authentication input attributes are disclosed. In accordance with one embodiment, a method includes receiving an authentication input at an authentication authority using an authentication protocol. The authentication input being associated with a client. The method also includes providing one or more representations for the authentication input, wherein each of the representations represents an attribute of the authentication input.

Abstract: A first information handling system (“IHS”) receives identification information of a first user of a second IHS. The first IHS initiates a network session in response to authenticating the identification information of the first user. Within the network session, the first IHS receives identification information of a second user of the second IHS. The first IHS authenticates the identification information of the second user.

Abstract: When purchasing an item or service, a user enters a PIN enter their mobile communication device and send the PIN, e.g., via text message to a payment authority. The payment authority authenticates the user using at least the PIN and the mobile communication device identifier associated with the user's mobile communication device. If the user is authenticated, then the payment authority will send a transaction code back to the user, which will be displayed on the user's mobile communication device. The user can then provide the transaction code to the merchant. The merchant can enter the transaction code into the Merchant's point of sale system and complete the transaction.