An integrated circuit includes a sequence generator configured to generate a series of
challenges; a hidden output generator configured to generate a series of hidden outputs …

A method for facilitating transfer of funds from a sender to a recipient, the method
comprising: receiving a funds transfer request from the sender having a first account at a first …

A method for facilitating real time transfer of funds from a sender to a recipient includes
receiving an expedited funds transfer request from the sender having a first account at a first …

A method of authenticating a device and a user comprises receiving a user input, generating
a first key from the user input, performing a physical measurement of the device, obtaining …

(57) ABSTRACT A method including: providing a processing mechanism in data
communication through a network with a first entity and a plurality of depository financial …

The systems and methods discussed herein relate to securely transferring funds over a
private network. Receiving transaction data related to a fund transfer including a tokenized …

A method including receiving a debit message at a first financial institution to debit a first
account maintained by the first financial institution based on a payment authorization for a …

A method can include receiving, at a first financial institution from a mobile device of a
consumer, a first request to pay a merchant for a payment amount from a first account of the …

A system includes a tag having a machine readable tag iden tifier (Tag ID) configured to be
read by a reader; and a device to be identified by the tag, in which: the device is configured …

A computer-implemented payment processing method includes storing, by a computer
system, information regarding a recipient in an account information directory, the account …