Some embodiments may provide systems, methods and computer program code to method to facilitate an interaction involving a user which include determining that a user authentication is required to complete the interaction, identifying at least a first verified device associated with the user, and transmitting an authentication message to the at least first verified device.

The disclosure relates to identity authentication in electronic payment transactions. The disclosure comprises (i) receiving an identity authentication request responsive to a request for electronic payment initiated in a network session between a client terminal and a merchant server, (ii) receiving the payor account, the payee account and a payment amount, (iii) receiving session data parameters corresponding to a network communication session, (iv) generating an authentication data record based on the session data parameters, (v) transmitting the generated authentication data record to a terminal device associated with the identified payor account, (vi) retrieving from the client terminal, data record(s) associated with electronic payment transactions involving the client terminal, (vii) comparing the data records retrieved from the client terminal against the generated authentication data record, and (viii) responsive to a match between a data record retrieved from the client terminal against the generated authentication data record, generating an identity confirmation decision.

Systems and methods for generating customer ID within an E-commerce platform are provided. Based on customer interactions with the e-commerce platform, evidence is collected, such as telephone numbers, names, addresses etc. The evidence is standardized to allow comparison/correlation. The evidence is then filtered to remove certain evidence determined to be unreliably associated with specific customers. For example, many customers may enter a fake phone number “0000000000”. Then, correlation is performed based on the filtered evidence to identify links between the evidence and associate sets of linked evidence with unique customer IDs.

Verification of user identities is an important aspect of computer and network security. In some instances, a first user may attempt to engage with a second user via a web application, mobile phone app, or other software without necessary knowing that the identity of a second user is accurate. The computer security problem of identity verification may be particularly acute when the only contact information is an email address, phone number, or other electronic identifier that can potentially change ownership (e.g. a person may get a new phone number, someone might purchase an Internet domain and thus change ownership of an email address, etc.) This disclosure and claims relate to techniques that allow for enhanced security by verifying an identity of a user via specific prompts and interactions provided via software. Particular credentials may be required in order to verify user identity, including biometrics and other specific required responses.

Systems and methods for digital identity verification are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for digital identify verification may include: (1) receiving, from a user electronic device or at a website, an image of an identity document for a user, the identity document comprising an image of the user; (2) processing the identity document with at least one business-specific rule; (3) extracting identity information from the identity document; (4) determining a match rate of the image of the user on the identity document to a captured image; (5) assigning a verification score to the user based on extracted identity information and the match rate; and (6) publishing the verification score to at least one system.

Aspects and examples are disclosed for facilitating transactions with an interactive computing environment provided by a host system. In one example, a processing device receives a data network identifier or other identifier from an interactive computing environment. The data network identifier or other identifier can be associated with a mobile device conducting a transaction with the interactive computing environment. 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 host server system executing the interactive computing environment.

An object is to provide a commodity registration apparatus capable of, even when a plurality of customers use one shopping cart together, enabling each of the customers to know the share of the total price he/she needs to individually pay. A commodity registration apparatus according to the present invention includes: a reading unit configured to read commodity identification information for identifying a commodity; an image pickup unit configured to photograph a customer who has made the reading unit read the commodity identification information; and a control unit configured to identify the customer, store the identified customer and commodity information corresponding to the commodity identification information in a storage unit while associating them with each other, receive an input made through an operation performed on an input unit by the customer, and output the customer and the commodity information to an output unit while associating them with each other.

The present disclosure provides a transaction processing method, comprising: preprocessing at least one first-type transaction object information; transmitting the first-type transaction object information after being preprocessed to a first processing region for processing based on a first-type operation instruction; transmitting the first-type transaction object information after being processed based on the first-type operation instruction in the first processing region to a second processing region for processing based on a second-type operation instruction and/or a fourth-type operation instruction; and transmitting a second-type transaction object information obtained based on the first-type transaction object information to a third processing region for processing based on a third-type operation instruction and/or a fifth-type operation instruction. The present disclosure further provides a transaction processing system, an electronic device, and a readable storage medium.

A method is disclosed. The method comprising receiving, by a transfer application on a first user's device, a payload comprising a digital tag associated with a second user, a transaction identifier, and a transaction amount. Transmitting, by the transfer application to a digital tag computer, the digital tag associated with the second user. Receiving, by the transfer application from the digital tag computer, a primary account number or token associated with the digital tag and transmitting, by the transfer application to an acquiring computer, a push transfer message.

A method of managing and verifying a certificate of a terminal is provided. The method includes obtaining certificate information that is usable when downloading and installing a specific bundle corresponding to at least one of a secondary platform bundle family identifier or a secondary platform bundle family custodian identifier, transmitting, to a secondary platform bundle manager, the certificate information corresponding to the at least one of the secondary platform bundle family identifier or the secondary platform bundle family custodian identifier of the specific bundle, and receiving, from the secondary platform bundle manager, at least one of a certificate of the secondary platform bundle manager, certificate information to be used by a smart secure platform (SSP), the secondary platform bundle family identifier, or the secondary platform bundle family custodian identifier.