The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS ("SNAP") transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.

Snap mobile payment apparatuses, methods and systems

Systems and methods are provided for discerning the intent of a device wearer primarily based on movements of the eyes. The system can be included within unobtrusive headwear that performs eye tracking and controls screen display. The system can also utilize remote eye tracking camera(s), remote displays and/or other ancillary inputs. Screen layout is optimized to facilitate the formation and reliable detection of rapid eye signals. The detection of eye signals is based on tracking physiological movements of the eye that are under voluntary control by the device wearer. The detection of eye signals results in actions that are compatible with wearable computing and a wide range of display devices.

Systems and methods for biomechanically-based eye signals for interacting with real and virtual objects

A system, apparatus, method, and machine readable medium are described for performing advanced authentication techniques and associated applications. For example, one embodiment of a method comprises: receiving a policy identifying a set of acceptable authentication capabilities; determining a set of client authentication capabilities; and filtering the set of acceptable authentication capabilities based on the determined set of client authentication capabilities to arrive at a filtered set of one or more authentication capabilities for authenticating a user of the client.

Advanced authentication techniques and applications

The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.

Wearable Intelligent Vision Device Apparatuses, Methods and Systems

The present disclosure relates to making payments with a mobile device. In one example process, the mobile device receives and stores information for one or more payment accounts on the mobile device. The mobile device is used to make payments using the payment accounts. In some examples, authorization to proceed with a payment is performed before each purchase made by the user. The authorization process can include receiving a verification of the user, such as a fingerprint scan or passcode. In some examples, a payment account is selected from among available payment accounts. In some examples, an indication is displayed of a digital item associated with a purchased item. In some examples, a payment transaction is initiated with participants of an ongoing communication. In some examples, an application of a retailer is invoked based on the availability of the application. In some examples, a purchase recommendation is provided.

User interface for payments

Biometric information is authenticated by a web-enabled application that identifies a biometric sensor installed in a client device. The authentication procedure reads biometric information associated with a user and compares the biometric information with a biometric template associated with that user. If the biometric information matches the biometric template, the authentication procedure retrieves credentials associated with the user and communicates those credentials to a requesting process.

Secure User Authentication

A user transaction request is received at a client device. A web browser plug-in communicates the user transaction request to a server that determines whether the user transaction request is a secure transaction. Transaction data is received from the server via the web browser plug-in. If the received transaction data indicates a secure transaction, the user is prompted to provide biometric data, which is received from the user. The web browser plug-in then communicates a transaction confirmation to the server.

Secure Transaction Systems and Methods

A user transaction request is received at a client device. A web browser plug-in communicates the user transaction request to a server that determines whether the user transaction request is a secure transaction. Transaction data is received from the server via the web browser plug-in. If the received transaction data indicates a secure transaction, the user is prompted to provide biometric data from a user using a biometric device and related security protocols. The web browser plug-in then communicates a transaction confirmation to the server.

Secure Transaction Systems and Methods using User Authenticating Biometric Information

A request for a secure financial transaction is received from a user, who is authenticated with a biometric device. If the user is authenticated, an authentication token is received from the biometric device and sent to a remote device, which initiates the secure financial transaction. Upon initiation of the secure financial transaction, details related to the secure financial transaction are displayed to the user and the those details are monitored until the secure financial transaction is completed.

Ramesh Kesanupalli

Papers

Advanced authentication techniques and applications

Secure User Authentication

Secure Transaction Systems and Methods

Secure Transaction Systems and Methods using User Authenticating Biometric Information

Monitoring secure financial transactions