A secure payment system between a customer and a merchant uses a wireless device of the customer that receives a partial payment authorization record from a sales terminal of the merchant to include at least a merchant terminal identification and a payment amount to facilitate payment transaction via a customer portable wireless device from the customer to the merchant. The device has a receive sensor to receive the partial transaction record from the sales terminal and a function that activates a payment transaction function in the device. The payment function, on being activated, creates an encrypted payment data record including at least the merchant terminal identification, the payment amount, a personal code and the device identification code and transfers it over the global network to a central system. The device and the sales terminal receive from the central system a notification of the payment approval record.

A system strengthens the identification and authentication process by bringing in additional information about the user that was previously unused. The merchant in the system first provides a pre-authentication token generated using the information provided through the user's payment card. If a processing server and/or identification server validate that information, the pre-authentication token is communicated back to the merchant. The merchant then initiates a pre-authentication session and provides in that session information about the user in the merchant's possession (e.g., information gleaned from security camera footage like apparent age, height, gender, license plate number, hairstyle, etc.) The pre-authentication session is then communicated to the processing server and/or identification server to be used to further identify and authenticate the user.

Disclosed are a system and a method for communicating with a financial institution over a communication network to manage payments of payee initiated by a sender. The system includes a database for storing a plurality of modules, a central server for monitoring and updating the plurality of modules, a processing unit that processes the plurality of modules. The plurality of modules includes a notification module, a payee module, a dashboard module, a refunds module, a payment process module, and a remittance summary module. The notification module allows the sender to send a payment summary to each payee. The payee module allows the payee to upload the payee's details, to select a mode of payment to receive the payment. The payment process module processes the payment as per the mode selected by the payee in the payee module, further processes the payment via cheque mode if the payee fails to update the mode of payment in a pre-defined duration. The remittance summary module displays a summary of the payments made by the sender to the payee.

A computer system monitors one or more communication applications on a device of a user. The computer system identifies a communication that corresponds to a payment from a plurality of communications on the one or more communication applications. In response to the identifying the communication that corresponds to the payment, the computer system automatically identifying one or more other users associated with the payment without prompting the user for information.

A system and method provide efficient, secure, and highly reliable authentication for transaction processing and/or access control applications. A personal digital key (PDK) is programmed using a trusted programming device to initialize and/or register the PDK for use. In one embodiment, the initialization and registration processes are administered by a specialized trusted Notary to ensure the processes follow defined security procedures. In a biometric initialization, the programming device acquires a biometric input from a user and writes the biometric data to a tamperproof memory in the PDK. In registration, the Programmer communicates to one or more remote registries to create or update entries associated with the user PDK. Once initialized and registered, the PDK can be used for various levels of secure authentication processes.

Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

A system and method implemented in an e-commerce system to facilitate transactions between a customer and a vendor is disclosed. The method includes generating the requested at least one QR code and token, wherein the at least one QR code and token includes at least an email field, transmitting the at least one QR code and token, receiving a response email, wherein the response email includes the token, decoding, the token, performing a validation, and processing the transaction, on a condition that the validation(s) are approved.

A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.

System and method for facilitating account access delegation are provided. Login credentials are authenticated for a first account of a first funding source of a first user. A request from the first user to delegate, to a second account of a second user, access to the first funding source is received. A redirected login request from a merchant web application is further received. The redirected login request corresponds to the second account. A determination is made, based on the received request, that the second account is permissioned to use the first funding source. In response to the determination, a login of the first user account is caused on the merchant web application. The logging in of the first user account on the merchant web application causes the first funding source to be applied to an electronic transaction performed on the merchant web application under control of the second user.

Precomputed and transactional mixing is believed to allow portable devices, such as smart phones, to send and receive messages, with little extra bandwidth or battery usage, while achieving anonymity for senders and recipients among all messages sent globally in batches defined by short time intervals. To learn anything about which inputs correspond with which outputs of such a batch of messages, the entire cascade of mix devices, each preferably operating independently in a different country, would it is believed have to be compromised. None of the real-time computation, neither by the mixes nor smartphones, uses full public-key operations—resulting it is believed in orders of magnitude performance improvement over previously-known systems. Aspects include untraceable return addresses, group chat, feed-following and large payloads. Transaction protocols include a variety of payments use cases. Limited anonymity and credential mechanism are based on a new approach to user identification disclosed, in which each user provides a small amount of different identifying information to each mix node, so that comparatively little is revealed to each node individually.