This application relates to a financial payment method using biometric information. Biometric information of an individual collected in a mobile device of an affiliated member is transmitted to a mobile device of the individual to allow the biometric information to be authenticated in the mobile device of the individual. After the authentication of the biometric information, a substitute key that corresponds to a card password preset by the individual is inputted, and a financial payment is requested based on the payment content.

A method for securing entry of sensitive data, the method being implemented by a communications terminal having a processor, an entry touchpad screen on which the entry of sensitive data is carried out. Such a method includes: displaying a random keypad for the entry of a confidential code; receiving, by the processor, a reference pad display signal; and displaying the reference keypad, the reference keypad being inactive.

A system for accepting the input of a PIN comprises a first device receiving a randomized PIN layout derived on a fourth device. The randomized PIN layout is displayed on a display of the first device. A second device comprises an input for accepting a series of key presses to produce a PIN token. The PIN token indicating each of the series of key presses. A third device is in communication with the second device. The third device derives the randomized PIN layout and receives the PIN token from the second device without the PIN token being present on the first device. The third device combines the PIN layout and the PIN token to produce a PIN. The PIN is used to authenticate a transaction. The fourth and third devices each store a shared secret used to independently derive the randomized PIN layout on the fourth and third devices.

A method of generating a shared augmented reality payment authentication entry interface includes detecting a first consumer device and a second consumer device; prompting a display of a first augmented reality payment authentication interface at the first consumer device; and prompting a display of a second augmented reality payment authentication interface at the second consumer 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 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.

An authentication method and system are provided that 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. Biometric data relating to a user is used 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.

A point-of-sale (POS) terminal is provided for entering a PIN to enable a financial transaction. The point-of-sale terminal has a card reader for reading information from a credit card, a processor for running an operating system, with applications, a touch screen for displaying information and receiving user inputs, and a Security-Box connected between the touch screen and the processor to control the user input on the touch screen to the processor. The Security Box is configured to run in a “PIN Entry Mode” and a “Clear Text Mode.” When running in “PIN Entry Mode” the user input is not forwarded as touch coordinates to the processor and when running in “Clear Text Mode” the touch coordinates are transmitted to the processors.

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.

A device may receive an input that indicates a request to initiate a transaction at an ATM device. The device may instruct the user to capture one or more images of the ATM device. The device may determine that an image has been captured and process the image to determine first information that identifies the ATM device. The device may send the first information to a server device and receive a signal that indicates the ATM device has been validated. The device may cause an augmented reality (AR) overlay to be displayed, wherein the AR overlay includes second information related to authenticating the user to the ATM device. The device may determine whether a user action is performed with respect to the second information included in the AR overlay, and perform a device action related to the second information, the ATM device, or the AR overlay.