The present invention relates to a system and a method for mobile cross-authentication comprising: generating an online authentication code (Ocode) and a mobile authentication code (Mcode) from an authentication server device when performing online authentication, providing the online authentication code (Ocode) and the mobile authentication code (Mcode) to a computer terminal device and a mobile terminal of the user respectively, receiving and verifying the online authentication code and the mobile authentication code received by the computer terminal device and the mobile terminal to the authentication server device through the mobile terminal and the computer terminal device respectively.

A system for assisting a payment to a passenger on a commercial passenger vehicle is disclosed. The system is located in the commercial passenger vehicle and comprises: an onboard server configured to (1) receive, from a personal electronic device associated with a passenger, a request to process a payment along with payment credential information and (2) operate to authorize the payment; a light sourcing device in communication with the onboard server and configured to receive, from the onboard server, a verification request for the payment credential information, and display a light identification (ID); and the personal electronic device in communication with the onboard server and the light sourcing device and configured to capture an image of the light ID and obtain the verification request corresponding to the payment credential information from the captured image.

A system includes a memory and a processor configured to execute computer instructions stored in the memory that when executed cause the system to perform operations. The operations include receiving transaction data associated with a transaction via a transaction component. The operations include incorporating at least a portion of the transaction data into a security process associated with challenge-response authentication of a data block for the transaction data. The data block includes cryptographic hash data for another data block in a blockchain associated with the data block. The operations include validating the data block associated with the blockchain based on the security process.

An electronic device and a method of payment by the electronic device are provided. The electronic device includes a local wireless communication circuit, a first biometric sensor and a second biometric sensor, a security module configured to store payment information corresponding to a payment card, a processor electrically connected to the first biometric sensor, the second biometric sensor, the local wireless communication circuit, and the security module, and a memory electrically connected to the processor, wherein the memory is configured to store instructions that cause the processor to select at least one of the first biometric sensor or the second biometric sensor, based on a security policy of an issuer of the payment card or a security policy of the payment card, authenticate a user by using the selected biometric sensor, and if the authentication is successful, transmit the payment information to an external device through the local wireless communication circuit.

A method for certificate transaction validation of a blockchain-based resource public key infrastructure aims to avoid security threats caused by conflicts or illegal transactions during transactions and improve security. A technical solution is as follows: constructing a resource public key infrastructure RPKIB system composed of a resource issuer, a resource transaction application client, a resource receiver, a blockchain network and a validation node; designing operations of a resource certificate and route origin authorization ROA as transactions, submitting operations of various resource transactions initiated by a resource issuer as transactions to the blockchain network, running, by the validation node, a smart contract to verify the transactions, and distinguishing whether the operations are malicious behaviors or normal operations of an authority.

A method and system for authentication through deep-links is provided. A communication device can provide a credential to a remote server computer as part of an authentication process. The remote server computer can challenge the communication device by transmitting a deep-link containing a one-time passcode to the communication device. The communication device can activate and parse the deep-link to determine the one-time passcode. The one-time passcode can be transmitted back to the remote server computer by the communication device. The remote server computer can verify that received one-time passcode matches the sent one-time passcode in order to complete the authentication process.

Embodiments provide methods, and server systems for enhancing checkout experience of an e-commerce transaction. A method includes receiving, by a server system associated with a payment network, a pre-authentication request signal for a prospective e-commerce transaction for a payment card of user. The pre-authentication request signal includes a time data for an expected transaction time, a transaction amount data, a payment card data and at least one transaction identifier data. The method includes electronically facilitating a pre-authentication of the prospective e-commerce transaction based at least on performing a multi-factor pre-authentication. Upon successful pre-authentication, the method includes storing a pre-authenticated transaction data. The method includes sending a notification signal of successful pre-authentication to a user device. The method includes processing the prospective e-commerce transaction at the expected transaction time based on a user input received using a user interface of an e-commerce application and upon successfully verifying the pre-authenticated transaction data.

Logo candidates for a specific ISO data can be identified from external resources based on the enriched merchant data. Low quality images of the logo candidates are filtered out with image analysis including entropy ratio evaluations of the logo candidates. Also, the logo candidates are processed with high quality filtering including classification of the logo candidates with a deep learning classifier for distinguishing logos from non-logos. A logo from the logo candidates is selected to associate with the ISO data packets. A display having the selected logo associated with a transaction of the ISO data packets can be generated for display to users.

Methods for operating a portable electronic device to conduct a mobile payment transaction at a merchant terminal are provided. The electronic device may verify that the current user of the device is indeed the authorized owner by requiring the current user to enter a passcode. If the user is able to provide the correct passcode, the device is only partly ready to conduct a mobile payment. In order for the user to fully activate the payment function, the user may have to supply a predetermined payment activation input such as a double button press that notifies the device that the user intends to perform a financial transaction in the immediate future. The device may subsequently activate a payment applet for a predetermined period of time during which the user may hold the device within a field of the merchant terminal to complete a near field communications based mobile payment transaction.

Systems and methods for secure mobile transactions are disclosed. A method for conducting a transaction may include an issuer receiving, over a first network and from a customer mobile device, authentication information and mobile device location information; the issuer authenticating the customer, generating a transaction session identifier, and communicating the transaction session identifier to the mobile device over the first network; the issuer communicating, over a second network, the transaction session identifier and payment device information to an acquirer; the acquirer receiving, from the merchant, the transaction session identifier from the computer application, location information a merchant point of transaction, and transaction information; the acquirer generating a transaction authorization request including payment device information and the transaction information and communicating the request to the issuer portion over the second network; and the issuer authorizing the transaction authorization request. The issuer and acquirer may be under common control.