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 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 mobility device platform allowing for secure mobile computing is provided. In an illustrative implementation, an exemplary mobility device platform comprises a mobility device operable to communicate with at least one computing environment through a communications interface and wherein the mobility device is operable to process and store secure web services, a communications network operable to communicate data and computing applications using web services, and a mobility device management server operable to generate, process, store, communicate and encrypt web services to the mobility device. Further, the mobility device management server is operable to perform one or more mobility device management functions to provide encryption keys to cooperating mobility devices and to authenticate and verify cooperating mobility devices requesting web services from the mobility device management server. The mobility device management server and mobility device may further operate to perform authentication and verification using user identification and password information.

Mobility device platform

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

Dans le cadre de ce procede, un fournisseur d'identite (905) memorise une partie d'une information personnelle utilisateur dans son repertoire local utilisateur (920). Un prestataire de services (910) recoit cette information utilisateur et la memorise dans son repertoire local utilisateur (925). Le prestataire de services (910) peut envoyer l'information utilisateur au fournisseur d'identite afin de mettre a jour le repertoire utilisateur local (920) de celui-ci (905). Un autre prestataire de services (915) a la possibilite d'acceder a l'information utilisateur emanant du fournisseur d'identite (905).

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Distributed network identity

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