When a user attempts to execute a procedure for transfer or the like from an app, user authentication is first required by a PIN code or the like. When the user authentication is successful, function limitation of an IC chip is released and a mode in which a function provided by the IC chip can be used is set. The app encrypts a procedure message describing procedure content with a private key using the function of the IC chip and creates electronic signature. The electronic signature and the procedure message are transmitted to a server of an online service via an intermediate server. The server executes a procedure of transfer or the like in accordance with the content of the procedure message.

Apparatus and methods for securing a transaction. The apparatus may include a transaction instrument. The transaction instrument may be configured to exchange transaction data to effect a transaction by engagement of a microprocessor with a transacting party. The transaction instrument may include a sensor. The sensor may be configured to sense an environmental parameter. The sensor may be in electrical communication with the microprocessor. The apparatus may run analysis using a distributed model. In the distributed model, heavy processing may be performed at the pattern registration platform, and light processing may be performed on on-board processors on the transaction instrument. The environmental parameter may be associated with one or more behaviors of the user.

In payment using biometric authentication, a customer-friendly technology with a high degree of freedom for customers to select a payment destination is provided. The present invention provides a biometric authentication payment system including: a biometric information acquisition device that acquires biometric information of a customer; a reception section that receives designation of a payment system of a payment destination; a transmission section that transmits the biometric information and a payment amount to the payment system; an authentication section that performs authentication using the transmitted biometric information, and a payment section that performs the payment of the payment amount when the authentication result is successful in authentication, and when a payment destination is designated.

Method and system of performing transactions with a payment card in a managed integrated payment environment comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card to obtain card data by a payment terminal and determining whether full online transaction processing of the card data is required. If full online transaction processing of the card data is required, the card data is sent to a point-of-sale terminal, which sends the card data and a transaction total for the transaction to a merchant gateway, which obtains approval or denial of the transaction. The approval or denial is provided to the PIN pad by the merchant gateway via the point-of-service terminal. The PIN pad also receives transaction data and sends the transaction data and card data to a services processor to collect metadata, perform fraud and security checks, and/or encrypt the card data.

According to one embodiment, an authentication device includes a sensor, a communication interface, a memory and a processor. The sensor acquires biological information. The communication interface communicates with a device. The memory stores feature information of biological information of a registrant for use in biometrics and management information indicating a device which the registrant has a right to use. The processor authenticates whether a user whose biological information has been acquired by the sensor is the registrant having a right to use the device communicated through the communication interface, and transmits a result of the authentication to the device communicated through the communication interface.

Disclosed are a payment apparatus and a method of controlling the same. With this, it is possible to receive payment information based on Table Pay; analyze a payment card image included in the payment information, and divide the payment card image into a first region comprising sensitive data that needs security and a second region comprising general data other than the sensitive data; differently set the plurality of encryption units corresponding to the first region and the second region so that the first region and the second region can be differentially subjected to encryption; and divide the payment card image into a plurality of encryption units, and perform the encryption with regard to the plurality of encryption units independently of each other.

A transmission method and transmission device for transmitting to at least one electronic address, managed by at least one server, at least one complementary information relating to at least one financial transaction carried out by a user. The method includes: receiving at least one first message relating to at least one financial transaction from a terminal, the message comprising at least one identifier of the user; determining at least one electronic address as a function of the at least one identifier; obtaining at least one complementary information; generating at least one second message including the at least one complementary information; and transmitting in a time interval the at least one second message to the at least one electronic address.

Disclosed are an IC card asymmetric labelling system, an IC card built-in password input system and an IC card built-in password input method. The IC card asymmetric labelling system includes: an IC card, a payment terminal and a cloud end sever. The IC card includes a crypto-key unit and a communication module. The crypto-key unit stores a first private key which is used to sign a message transmitted from the IC card. The communication module establishes a communication connection with a cloud end through the payment terminal, or directly establishes a communication connection with the cloud end. The cloud end stores an open ID of the IC card and associated user information. The open ID is a hash value of a first public key of the IC card and is open to the public.

One embodiment of the invention provides for making electronic payments by scanning a merchant 2D code located near the point of sale with the customer's cell phone and transmitting the code or data embodied by the code to a payment center where the merchant's account can be credited and the customer's account debited without transmitting account information over the airwaves. In another embodiment of the invention, both parties transmit the same randomly generated 2D code or data embodied by the code to the payment center where they are matched to each other and to the buyer and seller to process the transaction. In a further embodiment of the invention, an inked tattoo or barcode marking is employed as a password to authorize access to smartphone applications for example, to make an electronic payment over a threshold amount.

A cross-platform integration component is configured for operation on a plurality of different types of partner computing devices and/or platforms. The integration component provides a same interface on each different type of computing device. The integration component comprises a plurality of implementation modules, each configured to implement reader-based transactions on a respective type of computing device and/or platform. The integration component may further comprise a platform-independent component capable of implementing non-reader-based transactions across the plurality of platforms.