Abstract:
Back-up credentials data is stored for a user. A communication channel is established with a mobile device. A cryptogram is received from the mobile device, such that the cryptogram is relayed by the mobile device from an authentication device that interacted with the mobile device. The authentication device is associated with the user. The cryptogram is verified. In response to the verification of the cryptogram, the stored back-up credentials data is made accessible to the mobile device.
Abstract:
A first mobile phone is used to scan a barcode to launch a first mobile payment application on the first mobile device. A payment request is transmitted from the first mobile device to a second mobile device. The second mobile device is operated by a payment account holder. A second mobile payment application is launched in the second mobile device in response to receipt of the payment request. The payment request includes data obtained by the first mobile device scanning the barcode. A response is received from the payment account holder to the second mobile payment application. Payment account credentials are supplied via the second mobile device to conduct a transaction in accordance with the payment request. The payment account credentials identify a payment account belonging to the payment account holder.
Abstract:
In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.
Abstract:
Systems and methods are provided for processing a transaction to enable an issuer of a physical transaction device to process a transaction message relating to a digital transaction device, where the digital transaction device is a digitized counterpart of the physical transaction device. In connection therewith, a transaction processing system is configured to receive the transaction message including a digital device data set associated with the digital transaction device; identify a physical device data set that corresponds to the digital device data set from a group of paired physical device data sets and respective digital device data sets; modify the transaction message to include the identified physical device data set to form a modified transaction message; and communicate the modified transaction message to the issuer of the physical transaction device.
Abstract:
The present invention relates to a method and system for synchronising a personal identification number (PIN) value stored in a mobile computing device, with a PIN value stored on a remote server.The remote server receives a request from the mobile computing device to record a PIN value, the request comprising the PIN value.The PIN value is recovered from the received request and stored at the remote server.An instruction set arranged to record the PIN value in a secure hardware element comprised within the mobile computing device is generated and transmitted to the mobile computing device.The instruction set executes on the mobile computing device in order to record the PIN value on the secure hardware element.
Abstract:
A wearable computing device reads near-invisible one- or two-dimensional barcodes having a size of 100 microns to one millimeter. The device includes a magnifying lens, a digital camera, a processor, program memory and a wireless communication module, all supported on a wearable device body. The wearable device body may be an eyeglass frame, a watch body or wristband, a headband or sweatband or a cap or other headgear, among other possibilities. Applications of the wearable computing device include unattended shopping in a physical retail store.
Abstract:
A method of operating a payment-enabled mobile device includes detecting, by the mobile device, that the mobile device is in proximity to a non-retail contactless transaction terminal. The method further includes permitting operation of an application program in the mobile device. The permitting of operation of the application program is in response to the detected proximity of the non-retail contactless transaction terminal. The operation of the application program is to engage in a transaction with the non-retail contactless transaction terminal while bypassing a user verification feature of the application program.
Abstract:
A wearable computing device reads near-invisible one- or two-dimensional barcodes having a size of 100 microns to one millimeter. The device includes a magnifying lens, a digital camera, a processor, program memory and a wireless communication module, all supported on a wearable device body. The wearable device body may be an eyeglass frame, a watch body or wristband, a headband or sweatband or a cap or other headgear, among other possibilities. Applications of the wearable computing device include unattended shopping in a physical retail store.
Abstract:
A method of authentication of a user is provided. The method comprises capturing a brain activity signal from a user; comparing the brain activity signal with reference data; and determining, based at least in part on the comparison, whether the identity of the user can be confirmed. Also provided is a computing device comprising at least one processor and at least one memory. The computing device is adapted to: communicate with a brain activity sensing system to capture a brain activity signal from the user; provide the captured brain activity signal to an authentication service computing system; and authenticate the user based at least in part on the result of a comparison with reference data received from the authentication service computing system. A system comprising the computing device and a brain activity sensing system, and am authentication service computing device are also provided.
Abstract:
A screen display is displayed on a touchscreen display component of a computing device. The screen display includes an actuatable portion. The actuatable portion is for being triggered by a touch from a user to launch a payment process. Within the actuatable portion, a dynamic image is displayed. The dynamic image includes animated symbols that collectively represent a number of payment system brands.