Method to generate onboarding flow for application starts with on-boarding server receiving request from electronic device to activate application. On-boarding server determines whether request is initial request. Request is determined to be initial request when minimal set of information associated with user is not stored in on-boarding server. When request is determined to be initial request, on-boarding server signals to electronic device to display request for minimal set of information associated with user which includes at least one of: user identification, legal name, phone number, or email address. Minimal set of information associated with user is then received and stored in on-boarding server. On-boarding server signals to allow initial access to application. Signaling to allow initial access includes signaling that user requires access to payment processing hardware to process user's physical payment instrument. On-boarding server receives default payment information entered using payment processing hardware. Other embodiments are also described.

According to one embodiment, a color changing display includes a housing, a cover cooperatively coupled to the housing, a light panel, and a color display panel. The light panel and the color display panel are positioned between the housing and the cover. The light panel and the colored display panel are each selectively activated to operate in at least one of: a reflective mode, a transmissive mode, and a transflective mode.

In accordance with an embodiment, an electronic device includes a secure element configured to implement a plurality of operating systems; and a near field communication module coupled to the secure element by a single bus and by a routing circuit configured to route routing data between the plurality of operating systems and a receive circuit of the near field communication module.

Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.

Systems, methods, and computer-readable storage media for inserting payment information into payment forms without user interaction. A system can identify that a user has navigated to a web page operated by a merchant computer system for a merchant and identify a payment form within the web page. The system can then execute a payment request API which generates a query for saved payment credentials for the user from the merchant computer system. When the merchant computer system indicates it does not have the saved payment credentials for the user, the system can identify browser-saved payment credentials stored in the Internet browser, then generate a virtual payment information associated with the browser-saved payment credentials. The virtual payment information can then be inserted into corresponding fields of the payment form without the user entering any additional information.

A method and apparatus for fraud detection during transactions using identity graphs are described. The method may include receiving, at a commerce platform system, a transaction from a user having initial transaction attributes and transaction data. The method may also include determining, by the commerce platform system, an identity associated with the user, wherein the identity is associated with additional transaction attributes not received with the transaction. Furthermore, the method may include accessing, by the commerce platform system, a feature set associated with the initial transaction attributes and the additional transaction attributes, wherein the feature set comprises machine learning (ML) model features for detecting transaction fraud. The method may also include performing, by the commerce platform system, a machine learning model analysis using the feature set and the transaction data to determine a likelihood that the transaction is fraudulent, and performing, by the commerce platforms system, the transaction when the likelihood that the transaction is fraudulent does not satisfy a transaction fraud threshold.

The present invention provides a method and system for verifying and tracking identification information. In an embodiment of the invention, a system for delivering security solutions is provided that includes at least one of the following: a radio frequency (RF) identification device, an identification mechanism (e.g., a card, sticker), and an RF reader.

Information processing apparatus and method, recording medium, and program are provided. An information processing apparatus includes the following elements. A receiver receives a command requesting for the execution of predetermined processing. A storage unit stores data and first information indicating, among a plurality of stages in a lifecycle of the information processing apparatus, the current stage determined by the stored data and second information indicating an executable command in the current stage, the executable command being determined for each of the plurality of stages. A determining unit determines on the basis of the first information and the second information whether the command received by the receiver is an executable command in the current stage.

In order to check the authorization of passengers, the following steps are performed:

storing of authorization data, for example of tickets, in an electronic storage area of a portable personal identification module (40) of the user, for example in a chip-card,

storing of identification data that are specific to the user's outer appearance in an electronic storage area of the personal identification module (40),

contactless transmission of said identification and authorization data in a portable authorization-checking device (90),

visual reproduction of said identification and authorization data with a VRD (Virtual Retina Display).

Separate user accounts can be linked into a group of linked user accounts so that content items assigned to each of the user accounts can be accessed by each user account in the group. Linking user accounts in this way allows the individual user accounts to share content items while also retaining their individual properties such as username, password, preference data, etc. Linking user accounts allows each user account to retain the content items assigned to the user account when the user account is unlinked from the group. Linking user accounts can be restricted according to linking rules that dictate how many user accounts can be included in a group, when a user account can be added or removed from a group, etc. A master user account can set parameters restricting content items accessible to the user accounts in the group, as well as money spent be each user account.