Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, in response to a payment device being inserted at a terminal, initiating, by a security chip of the payment device, a timer and capturing, by a biometric sensor of the payment device, a fingerprint while the timer is unexpired. The method also includes verifying, by the security chip, the captured fingerprint against reference fingerprint data stored in memory in the payment device and, in response to the captured fingerprint being verified, while the timer is unexpired, initiating, by the security chip, with the terminal, a transaction to an account using an account number specific to a biometric application of the payment device. An issuer can recognize verification of a user associated with the fingerprint based on the account number in an authorization request, instead of a different account number for the account.

Provided is a method for computer-assisted creation of a security-protected digital twin, including the following method steps providing at least one selected subset of data of a primary digital twin; storing transactions, wherein the transactions comprise the selected subset of the data and/or first checksums for the selected subset of the data are calculated and the transactions comprise the first checksum; creating the security-protected digital twin by generating links of a block chain, wherein the links comprise the transactions and the links are joined to one another to form the block chain.

Payment devices and the systems and methods for securely managing financial transactions using the payment devices are provided. In one implementation, a portable proxy device comprises a memory configured to store a plurality of credentials. Each of the plurality of credentials pertains to one of a financial credential, an identification credential, or contractual credential. The portable proxy device also includes at least one interface, wherein each of the at least one interface is configured to communicate one of the plurality of credentials to an external device to complete one of a financial function, identification function, or contractual function.

Described are a signature verification method, apparatus, and system. The method includes: encrypting a third-party payment identifier and payment information according to a first key to obtain a first signature; encrypting a third-party client identifier and first signature information according to a second key to obtain a second signature; and providing the third-party client identifier, the first signature information, and the second signature to a client server for verification.

The present disclosure provides a system constructed by connecting a mobile terminal and a service providing device, and a service providing method, wherein the service providing device and the mobile terminal are directly connected via an interface of the mobile terminal; the service providing device provides a service independently or through collaboration between the service providing device and various parties such as the mobile terminal and/or the background server based on the service information parsed and extracted the code information, identification information of any one or more parties among the user, the first mobile terminal, and the service providing device, and/or information bound to the identification information. Through active code scanning or passive code scanning or a combination of the two, the present disclosure may conveniently and quickly implement sensing access and effectively enhance security for operations such as mobile payment, etc.

Embodiments described herein provide approaches for processing a payment in an electronic commerce environment. Specifically, a customer of a merchant website in the electronic commerce environment is provided a universal payment interface in response to the customer's request to pay. The universal payment interface retrieves a proprietary token from the customer. This proprietary token is a mobile device-based token that is provided by a provider associated with the mobile device. The universal payment interface requests a determination from the provider as to whether the proprietary token is valid, and the payment is verified based on the determination from the provider.

A mobile device with a display, processor(s), and memory: identifies a retail machine configured for wireless communications based on broadcasted information transmitted by the retail machine and including an identifier corresponding to the retail machine; transmits the identifier to a server and receives from the server an electronic communication including a promotional offer for products or services offered by the retail machine; displays the promotional offer; detects selection of a promotional offer; receives a notification from the retail machine that a product or service was provided by the retail machine for a user of the mobile device; transmits confirmation information associated with the notification to the server, receives promotion validation information from the server indicating validation of the promotional offer; and based on the promotion validation information, displays information confirming application of the promotional offer.

A vending machine credentialing system includes a vending machine, a mobile device, and at least one remote server. The vending machine is constructed and arranged to dispense an offering. The mobile device is configured to wirelessly send an intent to purchase message associated with the offering. The at least one remote server is configured to receive the intent to purchase message, execute a vending payment application toward procurement of the offering, and execute a credentialing application upon successful procurement that generates a credential rights message wirelessly sent to the mobile device. The mobile device is configured to send the credential rights message to the vending machine for dispensing of the offering.

The invention concerns a process for carrying out transactions which includes issuing electronic tokens marked by a first unique identification code and a monetary value, assigning electronic tokens having a reference code associated with the consumer addressee stored inside to a consumer, and using electronic tokens to carry out transactions such as purchasing goods and/or services at merchants. At the end of each transaction, the consumer reference code is deleted from the tokens used in the transaction and a reference code of the merchant who received the tokens in the transaction is stored in the electronic tokens.

An access device is provided for use in an access control system. The access device includes a processor having control of a door lock, and a communication module connected to the processor. The processor is able to receive a reservation certificate presented by a portable terminal through the communication module. The processor activates the door lock when the current reservation certificate has been presented and disables an alarm system when the current reservation certificate has been presented.