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 lightweight application server for use on portable or embedded devices includes an application manager and services containers. Each of these is managed by an admin server allowing for remote and rapid deployment and maintenance of applications, objects and features associated with the server-enabled portable or embedded devices. This permits portable devices like PDAs to provide server functionality to each other, in a fully portable network if desired. A system including such server-enabled portable or embedded devices may include, among other things, a decision flow server for facilitating distributed decision flow processing.

System for development, management and operation of distributed clients and servers

A method is disclosed for sending targeted advertising data, the method including monitoring in a plurality of data communications networks, single sign on (SSO) subscriber event data from a first SSO subscriber end user device and a second SSO subscriber end user device, calculating product interest correlation scores in a plurality of advertising categories for an SSO subscriber advertising profile based on the monitoring SSO subscriber event data, selecting advertising data in at least one of the advertising categories from an advertiser database based on the SSO subscriber advertising profile, selecting a format to deliver the selected advertising data to a third SSO subscriber end user device and sending the targeted advertising data to the third SSO subscriber end user device. A system and a computer program are disclosed for performing the method. A data structure is disclosed for providing an interrelationship between a processor and data structure data.

System and method for single sign on targeted advertising

A system and method for securely authenticating a user for the purpose of accessing information, such as private financial or personal information, in an online environment are disclosed. In addition, a system and method for allowing consumers to make secure payments from an electronic wallet with biometric authentication are disclosed.

Method and system for providing online authentication utilizing biometric data

The advent of new and sophisticated web services provided by Service Providers to users, services that individually require authentication of user and authorization of access, brings the needs for a new service to facilitate such authentication and access, a service referred to as Single Sign-On (SSO). The basic principle behind SSO is that users are authenticated once at a particular level, and then access all their subscribed services accepting that level of authentication. The present invention provides a system, method and apparatus wherein a cellular Federation of mobile network operators becomes an SSO authentication authority for subscribers of this Federation accessing Service Providers having such agreement with a mobile network operator of the Federation. In accordance with this invention, mobile network operators can leverage their operator-subscriber trust relationship in order to act as SSO authentication authority for those subscribers accessing Service Providers in a service domain other than the mobile network domain.

System, method and apparatus for federated single sign-on services

A distributed network identity is provided. An identity provider stores a portion of a user's personal information. A service provider accesses user information from one or more identity providers. System entities such as identity providers and service providers can be linked to enable information sharing and aggregation. User policies and privacy preferences are provided to control how information is shared. A single sign-on architecture is provided where an identity provider is used to facilitate cross-domain authentication and to enhance user convenience. Service delegation features are also provided.

Distributed network identity

A method, apparatus, and system for providing a standard, generic contract between an application server and a message provider which allows the message provider to deliver messages to message endpoints (each of which is associated with a corresponding message application) residing in the application server is disclosed. By generic, it is meant that the contract is independent of the specific messaging style, messaging semantics and messaging infrastructure used to deliver messages. In this way, the contract also serves as the standard message provider pluggability contract that allows any message provider to be plugged into any application server via an associated resource adapter.

Architecture for plugging messaging systems into an application server

Methods and apparatus for improving the overall performance of a system which processes transactions and provides connections in an enterprise environment are disclosed. According to one aspect of the present invention, a method for processing a transaction in an enterprise environment includes receiving a request to start the transaction, storing information which indicates that the request to start the transaction was received, and accessing a first resource manager associated with the transaction. Typically, a container receives the request to start a transaction from a component such as an enterprise bean. Once the first resource is accessed, the transaction is initiated as a local transaction on the first resource manager, and, eventually, the transaction is completed. In one embodiment, completing the transaction includes using a local transaction mechanism of the first resource manager to complete the local transaction.

Method and apparatus for increasing the efficiency of transactions and connection sharing in an enterprise environment

Methods and apparatus for implementing state machines as enterprise beans on an enterprise platform are disclosed. According to one aspect of the present invention, a state machine which is arranged to be used within a computing system that supports an enterprise platform includes an entity bean class, a home interface associated with the entity bean class, and a remote interface that is also associated with the entity bean class. The home interface is arranged to create, find, and remove entity objects, while the remote interface being arranged to drive the state machine. In one embodiment, the entity bean class is associated with an entity object. In such an embodiment, the entity object, the home interface, and the remote interface are included in an entity bean which may be an Enterprise JavaBean.

Method and apparatus for implementing state machines as enterprise javabean components

Methods and apparatus for implementing state machines as enterprise beans with reliable or transactional timers on an enterprise platform are disclosed. According to one aspect of the present invention, a state machine is arranged to be used within a computing system that supports an enterprise platform. The state machine includes an entity object, a home interface associated with the entity object, and a remote interface associated with the entity object. The home interface is arranged to create, find, and remove entity objects, while the remote interface is arranged to drive the state machine. The entity object is arranged to be deployed in a bean container, which includes a timer. In addition to including a timer, the bean container is arranged to invoke the entity object using the remote. In one embodiment, the timer is transactional.

Method and apparatus for implementing timers for enterprise javabean components

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