A nontraditional transaction device, for example a mobile device, may be employed to complete a transaction. The mobile device may utilize radio frequency (RF) communication and/or authentication to facilitate completion of a transaction. Secondary identification information, for example voice recognition data, biometric recognition data, or alphanumeric data, may be utilized for secondary end user authentication. For security reasons, the mobile device account data may transmitted after the secondary identification information is verified.

The invention provides an authentication method and system. It is particularly suited for verifying the identity of an individual prior to permitting access to a controlled resource. This may or may not be a financial resource. The invention uses biometric data relating to a user to encode and decode an identifier associated with a user. Thus the user's biometric data becomes the key for encoding and subsequently decoding the identifier. In one embodiment, the biometric data is used to generate a keypad configuration. The keypad configuration specifies the order and/or position of a plurality of keypad keys. An operable keypad and/or image of a keypad is then generated using the configuration. Thus, the individual's biometric data can be used to generate a customised keypad and/or image which can then be used to encode or decode the identifier associated with the user. A keypad or image generated from the biometric data can be used to generate a mapping between different keypad configurations. The biometric data may be captured at or on a device associated with the individual, such as a computer, mobile phone, tablet computer etc.

The invention provides a solution for secure authentication of an individual. The invention comprises methods and apparatus for secure input of a user's identifier e.g. PIN. An image of a keypad is superimposed over an operable keypad within a display zone of a screen associated with an electronic device. The keypad image and/or the operable keypad are generated by the device using a scrambled or randomised keypad configuration generated on or at the electronic device. The configuration or order of keys depicted in the image may or may not be scrambled or randomised. Thus, the order of keys depicted in the image do not correspond to the order of the keys in the operable keypad, so that when the user selects a key depicted in the image on the screen, the underlying operable keypad is caused to operate and an encoded version of the user's input is received into memory on the device. The encoded input can be sent for decoding on a remote computer. The keypad configurations used for generation of the operable keypad(s) and/or keypad image(s) are generated using an input. The input could be a true or pseudo random number or biometric data relating to a user of the device. The device may be a mobile phone, a tablet computer, laptop, PC, payment terminal or any other electronic computing device with a screen.

The invention provides a solution for secure input of a user's input into an electronic device. The invention comprises methods and apparatus for secure input of a user's identifier e.g. password or other code. An image of a keyboard is superimposed over a scrambled, operable keyboard within a display zone of a screen associated with an electronic device. The keyboard image depicts a non-scrambled keyboard, in that the keys depicted in the image are in an expected or standardised format or order eg QWERTY keyboard arrangement. The difference in positions of the keys depicted in the image, and those in the operable keyboard, provides a mapping which enables an encoded form of the identifier to be generated, such that the un-encoded version is never stored in the device's memory. Preferably, the image depicts a keyboard which is standard for the device which it is being displayed on. The device may be a mobile phone, a tablet computer, laptop, PC, payment terminal or any other electronic computing device with a screen. The underlying keyboard, which is at least partially obscured from the user's view by the image, may be generated at run time by a procedure call. Preferably, this procedure is native to the device ie part of a library which is provided as standard with the device.

The invention provides a solution for secure authentication of an individual. The invention comprises methods and apparatus for secure input of a user's identifier e.g. PIN. An image of a keypad is superimposed over a scrambled, operable keypad within a display zone of a screen associated with an electronic device. The keypad image depicts a non-scrambled keypad, in that the keys depicted in the image are in an expected or standardised format or order. The difference in positions of the keys depicted in the image, and those in the operable keypad, provides a mapping which enables an encoded form of the identifier to be generated, such that the un-encoded version is never stored in the device's memory. Preferably, the image depicts a keypad which is standard for the device which it is being shown on. The device may be a mobile phone, a tablet computer, laptop, PC, payment terminal or any other electronic computing device with a screen. The underlying keypad, which is at least partially obscured from the user's view by the image, may be generated at run time by a procedure call. Preferably, this procedure is native to the device ie part of a library which is provided as standard with the device.

A settlement terminal includes a card reader, a settlement processing unit including a processor programmed to carry out a settlement process using information acquired through the card reader and a tampering detection process, a storage device in which a first set of programs is stored after encryption by a first key and a second set of programs is stored after encryption by a second key, each set of programs including a first program for operating the card reader, and a second program for carrying out the settlement process. Upon detection of tampering, the processor of the settlement processing unit notifies an external terminal of the tampering and upon receiving an update instruction from the external terminal, updates a current set of programs used for operating the card reader and carrying out the settlement process from the first set to the second set.

A nontraditional transaction device, for example a mobile device, may be employed to complete a transaction. The mobile device may utilize radio frequency (RF) communication and/or authentication to facilitate completion of a transaction. Secondary identification information, for example voice recognition data, biometric recognition data, or alphanumeric data, may be utilized for secondary end user authentication. For security reasons, the mobile device account data may transmitted after the secondary identification information is verified.

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.

The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.

The invention provides a computer-implemented authentication method comprising the step of enabling a user to input an identifier (e.g. a PIN) into an electronic device having a screen and a keypad operable within a keypad zone of the screen; by operating at least one key of the keypad via an image of at least part of a scrambled keypad which is displayed at least partially within the keypad zone. The user's operation of the keypad key via the image generates an encoded version of the user's intended input. In one sense the invention can be perceived as superimposing a non-functional image of a scrambled keyboard over an underlying, functional keypad. The image may be any type of electronic image, and may include a video image. The invention is particularly suited for use with, but not limited to, mobile phones, tablet computer, PCs etc. It can be implemented in any system wherein a user's identity must be verified before access is granted to a controlled resource.