Abstract:
Embodiments of the present disclosure are directed to, among other things, improving data security with respect to data collection, verification, and authentication techniques associated with obtaining and transmitting identity information. For example, an identification credential may be received (e.g., via a short-range communications protocol such as iBeacon) by a first device from a second device. The credential may be associated with a second user of the second device. The first device may verify the credential and, if valid, an additional option to approve a secure communications channel may be presented at the first device. If the additional option is selected, a secure communications channel may be established between the first device and the second device.
Abstract:
Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data. Additional embodiments are also provided.
Abstract:
Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data. Additional embodiments are also provided.
Abstract:
Embodiments of the present disclosure are directed to, among other things, improving data security with respect to data collection, verification, and authentication techniques associated with obtaining and transmitting identity information. For example, an identity credential may be secured using biometric information associated with a user, the biometric information being obtained using a first biometric input method of a plurality of biometric input methods. When the user is later authenticated, the authentication may be based at least in part on determining that the user has selected a biometric input method that matches the biometric input method used to secure the credential as well as providing biometric information that matches the biometric information used to secure the identity credential.
Abstract:
Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data. Additional embodiments are also provided.
Abstract:
Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data. Additional embodiments are also provided.
Abstract:
Embodiments of the present disclosure are directed to, among other things, improving data security with respect to data collection, verification, and authentication techniques associated with obtaining and transmitting identity information. For example, an identification credential may be received (e.g., via a short-range communications protocol such as iBeacon) by a first device from a second device. The credential may be associated with a second user of the second device. The first device may verify the credential and, if valid, an additional option to approve a secure communications channel may be presented at the first device. If the additional option is selected, a secure communications channel may be established between the first device and the second device.
Abstract:
Embodiments of the present disclosure are directed to, among other things, improving data security with respect to data collection, verification, and authentication techniques associated with obtaining and transmitting identity information. For example, an identity credential may be secured using biometric information associated with a user, the biometric information being obtained using a first biometric input method of a plurality of biometric input methods. When the user is later authenticated, the authentication may be based at least in part on determining that the user has selected a biometric input method that matches the biometric input method used to secure the credential as well as providing biometric information that matches the biometric information used to secure the identity credential.