Disclosed are an identity authentication, number saving and sending, and number binding method, apparatus and device. The identity authentication method comprises: receiving a user identity authentication request sent by a data authentication platform client, wherein the user identity authentication request comprises user authentication information and user identification information, and a data authentication platform server pre-stores the user authentication information and a registration number and a password, which correspond to the user identification information; acquiring, according to the user identification information, the user authentication information pre-stored in the data authentication platform server; matching the user authentication information in the acquired user identity authentication request with the acquired user authentication information pre-stored in the data authentication platform server; when the matching is successful, receiving a result, sent by the data authentication platform client, of confirming the acquisition of the registration number by a user.

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.

Various embodiments are directed to applying, via contactless card authentication, one or more restrictions to a virtual card number and generating the card number for use by a recipient. The one or more restrictions may be specifically personalized to the recipient and may include, for example, a merchant restriction, an amount restriction, a time period restriction, or a location restriction. The generated virtual card number along with the applied one or more restrictions may be consumed in various ways, such as writing the number to a blank card, transmitting the number directly to the recipient's computing device, etc., all via near-field communication.

A method for identifying a traveler at a kiosk for international travel is provided. The method may include reading, at a biometric reader included in the kiosk, a biometric identifier of a traveler. The method may include generating a digital rendering of the biometric identifier. The method may include receiving, at an electronic input receiver, a PIN number from the traveler. The method may include transmitting the digital rendering and the PIN to a central server. The method may include validating the digital rendering and the PIN at the central server. The method may include retrieving information associated with the traveler at the central server. The information may include look and feel preferences. The method may include transmitting the retrieved information, including the look and feel preferences, to the kiosk. The method may include displaying the look and feel preferences on a display included in the kiosk.

A method of performing a payment transaction employing a two-factor authentication mechanism. In an embodiment, a user device operated by a user during a payment transaction engages in cryptographic processing with a cryptographic function having a secret key encoded therein. The cryptographic function is stored in a storage device of the user device, and the secret key serves as a first authentication factor. The method also includes the user device utilizing a second authentication factor, which was implemented using only software security techniques, in performing the payment transaction.

A system, method and computer program product for securing user information, including processing circuitry that receives an encrypted first request from a first party and that includes a unique identifier associated with an account of a user, sends, based on the encrypted first request, an encrypted authorization request to an operator servicing the account of the user, and receives, in response to the encrypted authorization request, an authorization from the operator based on a result of an authorization message exchange for authorizing or not authorizing the request sent by the operator to a device associated with the user over a network controlled by the operator. No pecuniary information of the user nor the personal identification number of the user is received by the processing circuitry thereby shielding the pecuniary information of the user from the first party.

A system, method and computer program product for securing user information, including processing circuitry that receives an encrypted first request from a first party and that includes a unique identifier associated with an account of a user, sends, based on the encrypted first request, an encrypted authorization request to an operator servicing the account of the user, and receives, in response to the encrypted authorization request, an authorization from the operator based on a result of an authorization message exchange for authorizing or not authorizing the request sent by the operator to a device associated with the user over a network controlled by the operator. No pecuniary information of the user nor the personal identification number of the user is received by the processing circuitry thereby shielding the pecuniary information of the user from the first party.

A method for the processing, by a transaction-processing server, of a transaction at least partially initiated from a communications terminal connectable to the server by using a communications network. This method includes: creating a secured communications channel with the communications terminal; instantiation, within an execution server on the communications network, of a virtual payment terminal capable of exchanging information with the communications terminal by using the secured communications channel; and processing a transaction between the communications terminal and the virtual payment terminal implementing at least one secure element of the communications terminal, the secure element being configured to exchange an identifier of the type of service.

A method for shopping from a social media site using a direct buy link comprises electronically storing a plurality of account profiles and receiving a data message electronically transmitted via a communication network. The method may query a social media database for an account profile associated with the consumer identifier and the PIN. The method may display a plurality of direct buy links associated with a plurality of products for purchase, wherein at least one of the direct buy links is a modified direct buy link. The method may receive a data message electronically transmitted via the communication network and display the modified direct buy link comprising the personal data corresponding to the product, a purchase data, and payment preference information. The method may transmit confirmation of payment and the modified direct buy link associated with the purchased product to the consumer device.

Example embodiments of systems and methods for contactless card verification include a contactless card including a substrate, a processor, and a memory, wherein the memory contains a first applet and a second applet, and a recipient device in data communication with the contactless card, wherein the second applet is configured to retrieve one or more parameters from the first applet via an interface; and wherein the second applet is configured to transmit the one or more parameters to the recipient device for verification.