There is provided a method, system and computer readable medium for authorising a transaction over a communication channel. An association between at least one authentication factor for an entity and a specified communication channel having an endpoint accessible to the entity is stored. A message from a communications module of the computer system is sent over the specified communication channel to the endpoint including or updated with indicia indicating that authentication is required. Information for comparison with the at least one authentication factor for the entity associated with the specified communication channel is received at the computer system. The transaction is authorised if the stored at least one authentication factor for the entity associated with the specified communications channel matches the information provided from the endpoint.

Techniques and systems are presented to facilitate controlling and verifying the behaviors of privacy-impacting devices in alignment with the privacy behavior expectations of individuals and other entities. Accountability and audit mechanisms can verify the control state of IoT and other devices with respect to their privacy behavior preference inputs and can notify device owners and users when devices are compromised by malware and viruses. A trust-enhancing and technically transparent system architecture includes a distributed application network, distributed ledger technology, smart contracts, and/or blockchain technology.

Systems, methods, and computer-readable data storage apparatus provide automated identification techniques that seamlessly and accurately bridge the differences between different identification systems to enable more useful and advanced product and service offerings, such as realtime tracking of shipment location and status.

A method of establishing a digital identity for use of an online service and of subsequently using the digital identity to perform the online service is described. A digital identity for the online service is bound to computer hardware associated with the digital identity. A user associated with the digital identity provides a user authentication at the computer hardware associated with the digital identity. The digital identity is enrolled for the online service, and a first instance of the online service for the digital identity is performed. A common user authentication process result completes enrolment of the digital identity and authenticates the digital identity for performing said first instance of the online service.

Systems and methods for electronic fobs that communicate via short range communications protocols to conduct transactions with a nearby device are provided. Such electronic fobs may use electronic tokens to conduct electronic transactions, such as payment transactions. Account data may be stored within a secure element of the electronic fob. Electronic tokens may also be stored by the secure element. Using such data and/or tokens, electronic fob may write electronic tokens to be used in electronic transactions. Also, such electronic fobs may also be used to perform other tasks and interface with other devices.

The presently-disclosed solution provides cross-ledger transfers between distributed ledgers to achieve highly-scalable transaction throughput. Disclosed are methods and instruction code for writing a cross-ledger transfer in a way that effectively transfers value from a source distributed ledger to a target distributed ledger while preventing double spending of the value. This results in the transformation of the ledgers in that the total value in the source ledger is decreased by the transferred value while the total value in the target ledger is increased by the same amount. Also disclosed are system architectures that utilize cross-ledger transfers between multiple distributed ledgers to achieve highly-scalable transaction throughput. Also disclosed are computer apparatus configured to implement cross-ledger transfers between distributed ledgers. Other embodiments and features are also disclosed.

Aspects and examples are disclosed for facilitating mobile commerce. In one example, a processing device receives a data network identifier or other identifier from a commerce application. The data network identifier or other identifier can be associated with a mobile device conducting a transaction with the commerce application. The processing device can also obtain a credential associated with the mobile device using the data network identifier. The processing device can additionally retrieve identification information from a credit file associated with the credential. The identification information can be useable for completing the transaction. The processing device can further transmit the identification information to a computing device executing the commerce application.

A system for interfacing with a decisioning service from a third-party domain. A backend system may receive a request to interface with the decisioning service to generate a prequalification result for a user for a specified product, in response to the actuation of a button included in a third-party web domain rendering a product. The backend system may execute a call on a website of the decisioning service. The backend system may receive the product information from the button. The backend system may generate the website within the third-party domain, including a request for information about the user, in response to executing the call to the website. The backend system may transmit a request for generating prequalification result for the product to the decisioning service. The backend system may receive the prequalification result from the decisioning service.

Described herein is a system for providing version control across APIs. In an embodiment, an application of a client device may transmit communications to a service application API that are in a format not accepted by the service application API, using the application API. A central (or public) API may receive the communication transmitted by the application's API. The central API may identify the versions of the application's API and the service application API. The central API may format the communication based on the mapped fields, to a format accepted by the service application API. The central API 106 may forward the formatted communication to the service application.

Various embodiments are directed to the centralized processing of data from multiple sources and/or augmenting the data with contextual data from multiple sources across different accounts and systems. Embodiments disclose a context augmentation module to supplement and aggregate data from multiple sources, extrapolate contextual data, and augment the data with the contextual data on transactions conducted by a user. By gathering data from multiple sources associated with the user, contextual data may be extrapolated and can be applied to incoming transaction data about a transaction conducted by the user. The contextual data may also be applied to classify the transaction data, increasing the total number of transactions as well as contextualizing the ones with additional corresponding data. Proper contextualization and classification of the transaction data of users across multiple accounts, platforms, sources, and systems is beneficial and advantageous in resolving problems associated with data processing across multiple sources and platforms.