A data transmission system is disclosed which optimizes transfer and updates of information between systems by providing difference information between the systems. The system transmits data packages having instructions for manipulating user data. The data packages include a header identifying the respective packages, as well as transaction objects for effecting a change to user data on a device having object instructions.

Data transfer and synchronization system

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 (110) identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder (110) during an online transaction involves querying an access control server to determine if a cardholder (110) is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's (110) authenticity has been verified. Systems for imp lementing the authentication service in which a cardholder (110) uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder (110) uses a mobile device capable of transmitting messages through voice and messaging channels is also described.

Mobile account authentication service

Embodiments are disclosed for a vehicle control system and related sub-components that together provide an operator with a plurality of specific modes of operation, wherein various modes of operation incorporate different levels of autonomous control. Through a control user interface, an operator can move between certain modes of control even after vehicle deployment. Specialized autopilot system components and methods are employed to ensure smooth transitions between control modes. Empowered by the multi-modal control system, an operator can even manage multiple vehicles simultaneously.

Vehicle control system including related methods and components

The present invention relates particularly to a method and system for consolidating a plurality of a consumer's payment and non-payment source accounts into a consolidated platform with a customer identification or available proxy account numbers that can be assigned to source accounts. The source accounts can be, for example, credit card accounts, ATM accounts, debit card accounts, demand deposit accounts, stored-value accounts, merchant-loyalty card accounts, membership accounts, and identification card numbers. The consumer can access and modify any of the source accounts and manage funds across the source accounts by accessing the consolidated platform with a single access device or mode.

Method and system for a multi-purpose transactional platform

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for 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, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

Online payer authentication service

A method, system, and computer readable medium for managing a financial transaction of a user at a merchant, including authenticating the user via a device of the user while the user is at the merchant; transmitting activation information for activating a reusable, pre-existing, unaltered and permanent credit or debit card account number of the user from the user device to a financial institution for processing financial transactions, while the user is authenticated; submitting a payment request including the account number to the financial institution from the merchant, while the account number is activated; and de-activating the account number after the payment request is processed by the financial institution. The financial institution only accepts and processes payment requests received from merchants while the account number is activated, and the financial institution declines payment requests while the account number is de-activated.

Method, system and computer readable medium for web site account and e-commerce management from a central location

A method, system and computer readable medium for, from a central Web site, performing at least one of registering a user at a destination Web site, logging in a user at a destination Web site, and managing an online financial transaction a destination Web site, including parsing a form Web page of the destination Web site to extract form data fields therefrom; mapping form data fields of a central Web site form to corresponding extracted form data fields of the form Web page of the destination Web site; and using the mapped form data fields to perform at least one of registering a user at the destination Web site, logging in a user at the destination Web site, and managing an online financial transaction of a user at the destination Web site. In another aspect, there is provided a method, system and computer readable medium for managing an online or offline financial transaction of a user, from a central Web site, including generating financial transaction account information for a user based on existing credit or debit card information; gathering from the user one or more limits that are applied to a financial transaction performed based on the financial transaction account information; receiving information indicating that an online or offline financial transaction using the financial transaction account information is in progress, from a source; applying the one or more limits gathered from the user to approve or disapprove the online or offline or online financial transaction that is in progress; and transmitting an approval or disapproval signal to the source based on a result of the applying step.

Method for managing a user online financial transaction

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Method, system and computer readable medium for web site account and e-commerce management from a central location

Method for managing a user online financial transaction