ЭЛЕКТРОННАЯ КРЕДИТНАЯ КАРТОЧКА

FIELD: credit cards. SUBSTANCE: electronic credit card is an electronic device capable of transmission/receipt of data and/or digital information into main computer or from it through a terminal station. Terminal station includes self-service banking machines in supermarkets/trading centers, electronic banking self-service machines, electronic payment system devices and native devices of transmitter-receivers, developed with usage of creative dialogue technologies, limited for interface of personal computers, providing latest financial information, including current accounts, on their display. Small keyboards are adapted for inputting personal identification number to activate electronic credit card. Information display 2, including LCD screen or other display screens, provides visual information. Key (3) "ENTER" confirms trading operation. It is also used for activating electronic credit card, when personal identification number is inputted. Sound converter (4) is made on small keyboards (1) for confirming input. Sound converter is also used for activation of financial trading operation through a phone. Transmission/receipt of data is performed through infrared devices (5), magnetic devices (6) and radio-frequency devices (7). EFFECT: increased safety of financial operations being performed. 2 cl, 12 dwg ÐÎÑÑÈÉÑÊÀß ÔÅÄÅÐÀÖÈß RU (19) (11) 2 297 667 (13) C2 (51) ÌÏÊ G06K 19/073 (2006.01) G07F 19/00 (2006.01) ÔÅÄÅÐÀËÜÍÀß ÑËÓÆÁÀ ÏÎ ÈÍÒÅËËÅÊÒÓÀËÜÍÎÉ ÑÎÁÑÒÂÅÍÍÎÑÒÈ, ÏÀÒÅÍÒÀÌ È ÒÎÂÀÐÍÛÌ ÇÍÀÊÀÌ (12) ÎÏÈÑÀÍÈÅ ÈÇÎÁÐÅÒÅÍÈß Ê ÏÀÒÅÍÒÓ (21), (22) Çà âêà: 2002124615/09, 16.02.2001 (72) Àâòîð(û): ÎÍà Éîíã Êèí Ìàéêë (AU) (24) Äàòà íà÷àëà îòñ÷åòà ñðîêà äåéñòâè ïàòåíòà: 16.02.2001 (73) Ïàòåíòîîáëàäàòåëü(è): ÎÍà Éîíã Êèí Ìàéêë (AU) R U (30) Êîíâåíöèîííûé ïðèîðèòåò: 16.02.2000 AU PQ5644 (43) Äàòà ïóáëèêàöèè çà âêè: 10.03.2004 (45) Îïóáëèêîâàíî: 20.04.2007 Áþë. ¹ 11 2 2 9 7 6 6 7 (56) Ñïèñîê äîêóìåíòîâ, öèòèðîâàííûõ â îò÷åòå î ïîèñêå: DE 3222288 A1, 22.12.1983. RU 2060540 C1, 20. ...

Электронна кредитна карточка

... 1. Электронная кредитная карточка, содержащая по меньшей мере средство проверки пользователя для подтверждения подлинности пользователя, средство для генерирования уникального авторизационного кода, когда подлинность пользователя проверена, средство хранения для хранения подробных данных о счете пользователя для использования в электронной торговой операции по переводу денежных средств, и средство связи для осуществления связи с пунктом торговых операций для обеспечения пункта торговых операций подробными данными о счете пользователя и авторизационного кода для облегчения электронной торговой операции по переводу денежных средств. 2. Электронная кредитная карточка по п.1, которая содержит таймер для определения периода времени, после которого проверка подлинности пользователя заканчивается. 3. Электронная кредитная карточка по п.1, которая содержит средство блокирования для прекращения использования электронной кредитной карточки, если заранее определенное количество попыток проверки подлинности ...

Intelligent data terminal for road vehicle system - has optical or infrared link in communication with on-board system for personal computer secured data

The intelligent data terminal can communicate via an optical fibre or infra red link (51) with the on board system or with a P.C. The terminal has a CPU (31) coupled to RAM/EEPROM memory containing the operating system and data. Entries may be made through a keyboard (57) and the unit has a display (58). A power failure is detected by a circuit (54) and back up is provided by a battery and solar cell (55,56). ADVANTAGE - Wear free interconnection. Protected against unauthorised access.

Tragbarer elektronischer Apparat.

SYSTEM ZUR ÜBERTRAGUNG VON GELDBETRÄGEN ZWISCHEN KARTEN

Credit card or the like and system utilising same

A credit card, charge card or the like is in the form of a "smart card" having a keyboard by which the legitimate owner can make a secret entry which will activate the card selectively, for the period of the intended transaction only, to output data via magnetic data means 14 readable by a magnetic stripe reader and via a display 12. In a variant, the "smart card" has stored therein in electronic data form, a visual image of the legitimate card holder and which is convertible to a corresponding visual image by complementary apparatus e.g. at a point of sale. ...

Integrated circuit card with display.

A credit or bank card including an integrated circuit incorporates a liquid crystal display screen that covers one side of the card. The screen has a touch sensitive surface (12-18) enabling data input and/or retrieval using a cursor. A signature, photograph or description of the card holder can be displayed on the screen to provide validation of the card user. Interaction of the card with a reader can be through a magnetic strip on the other side of the card or by means of the integrated circuit. ...

Method of conducting transactions

PROCEDURE FOR THE PROTECTION AGAINST THEFT OF CASH NOTES, CASH NOTE AS WELL AS EQUIVALENT INACTIVATING DEVICE AND ACTIVATION DEVICE

DOCUMENT WITH AN INDICATOR AND PROCEDURE FOR THE CHOICE OF A SECRET IDENTIFICATION

LANGUAGESTEERED SMART CARD

SYSTEM FOR THE TRANSMISSION OF MONEY BETWEEN MAPS

Electronic transaction systems and methods therefor

Remote update of a portable storage device

A method of remotely updating a portable storage device, comprising: a) Delaying an access to an identification card interface of a portable storage device communicating with a hosting device by acknowledging with one or more consecutive no operation procedure byte to commands issued by said hosting device. The portable storage device is installed in an identification card socket. b) Updating the portable storage device with new data through an updating device connected to an update interface of the portable storage device during the access of said hosting device to the identification card interface. c) Providing the new data to the hosting device through the identification card interface after the new data is updated in the portable storage device.

Advanced plastic card for financial and informational transactions

Physical presence digital authentication system (device-to-device)

Physical presence digital authentication system (webpage-dependent activation)

IC CARDS AND INFORMATION STORAGE CIRCUIT THEREFOR

An IC card having a self-identification function in the card itself includes an input key for inputting a personal identification number (PIN), a comparator for comparing the PIN input via the input key with a prerecorded PIN. A transaction condition signal is produced when a match is found. An external terminal is provided for outputting to the outside of the card, e.g. a bank terminal, to enable a transaction using the card. An information storage circuit suitable for use in the IC card is also disclosed.

MULTI-SCHEME PAYMENT INTEGRATED CIRCUIT CARD, PAYMENT SYSTEM, AND PAYMENT METHOD

A system for effecting a financial transaction via multiple payment schemes from a single payment integrated circuit (IC) card is provided. The system comprises a payment IC card compatible with a payment card standard, the payment IC card having one or more selectable presets each identified by an identifying value; a wallet server storing, in association with respective identifying values, user payment scheme accounts of one or more payment schemes; and a vendor payment system configured to facilitate transactions in accordance with the payment card standard, wherein the wallet server is configured to receive an identifying value from the vendor payment system, and further wherein the wallet server is configured to effect a financial transaction with a user payment scheme account stored in association with an identifying value matching the identifying value received from the vendor payment system.

PERSONAL INFORMATION KEY WITH AUTO APPLICATION EXECUTION

A portable device that stores medical information of a user is configured via a centralized medical records repository. The portable device includes a data storage that includes a first storage area which stores the medical information corresponding to the user and second storage area that stores a program product. The program product is generated by the centralized medical records repository. The program product configured to execute in a processor of a host system in response to the device being inserted into a memory reader port of the host system and render a graphical user interface to present on a screen communicatively coupled with the host system the stored medical information. In addition, the program product prevents altering of the stored medical information, but does store additional information in a third area of the data storage in response to receiving data inputted from the host system.

METHOD AND APPARATUS FOR ESTABLISHING A SECURE SMART CARD COMMUNICATION LINK THROUGH A COMMUNICATION NETWORK

A secure communication link is established between a smart card and a remote central computer system through a network by using security functions at the smart card and the central computer system. A smart card communication device facilitates the exchange of data between the smart card and a local processor by modulating data signals sent from the local processor and demodulating signal transmitted from the smart card. The local processor couples the data signals to the network while maintaining the secure data in its secure state. The secure link can be used to perform a smart card transaction.

UNIVERSAL ELECTRONIC TRANSACTION CARD AND SYSTEM AND METHODS OF CONDUCTING ELECTRONIC TRANSACTIONS

A universal electronic transaction card ("UET card") serves as a number of different cards for banking, identification and the like. The UET card includes storage means (34), inputting and display means (30), processing means (33) and communication means (38). The display is a touch sensitive display which provides a number of menus to select the type of card to use for a transaction. After the choice is made, a graphic image appears on the display which looks like the face of the card, including the account number, user's name, the name of the credit card company and its logo. Thereafter, the user presents the UET card to the point of sales terminal for a sales transaction. The sales transaction information is transferred and stored in the UET card by the point of sales terminal to eliminate paper receipts and facilitate future storage, verification and analysis.

PROCEEDED OF SECURITY Of a DEVICE Of ACCESS HAS BOUQUETS OF PROGRAMMESDE CHAINS ENCRYPTEES, PRODUCED COMPUTER PROGRAM OF MANAGEMENT OF LASECURISATION, AND PROTECTED DECODER CORRESPONDENTS

PORTABLE SUPPORT

Identity authentication apparatus

PORTABLE ELECTRONIC DEVICE WITH DISPLAY AND MANAGEMENT OF PROMOTIONAL COUPONS

Le dispositif portatif électronique, tel qu'une carte à puce, est destiné au stockage et au chargement de coupons. Il est caractérisé en ce qu'il comporte un afficheur (10) permettant de présenter des informations concernant les coupons stockés. Il peut en outre comporter une interface de communication du type sans contact (8) à partir de laquelle des coupons peuvent être chargés.

PROCEEDED OF SECURITY Of a DEVICE Of ACCESS HAS BOUQUETS DEPROGRAMMES OF CHAINS ENCRYPTEES, PRODUCED COMPUTER PROGRAM DEGESTION OF the SECURITY, AND PROTECTED DECODER CORRESPONDENTS

L'invention concerne un procédé de sécurisation d'un dispositif d'accès à des bouquets de programmes encryptés, notamment satellites, ledit dispositif comprenant des moyens de lecture de données externes contenues dans un support externe amovible. Selon l'invention, un tel procédé met avantageusement en oeuvre au moins les étapes successives suivantes de : - recopie sécurisée des données externes depuis le support externe amovible vers au moins une unité interne de stockage du dispositif ou décodeur d'accès ; - dégradation des données externes sur le support externe amovible. En particulier, les données externes comprenant des premières données d'identification et/ou d'authentification du possesseur du support externe amovible et des secondes données de configuration du décodeur d'accès aux bouquets de programmes encryptés.

결제 시스템, 전자 장치 및 전자 장치의 결제 방법

... 본 발명의 다양한 실시 예에 따른 전자 장치는, 사용자 명령을 입력받는 입력 모듈, 외부 장치와 통신하는 통신 모듈 및 사용자로부터 금융 서비스가 요청되면 결제 서버로 금융 서비스와 관련된 토큰을 요청하고, 결제 서버로부터 토큰 및 금융 서비스와 관련된 서비스 정보가 수신되면 토큰 및 서비스 정보를 이용하여 금융 서비스를 제공하기 위한 데이터를 생성하도록 설정된 제어 모듈을 포함할 수 있다. 또한, 다른 실시 예도 가능하다.

PLATFORM AUTHENTICATION VIA A TRANSPARENT SECOND FACTOR

Firmware of a system is configured to allow secondary devices, such as a smart card, to be used for authentication. In an example embodiment, the secondary device is a CCID smart card in compliance with the ISO 7816 specification. The smart card is inserted into a card reader coupled to the system prior to booting the system. The firmware comprises an emulator and driver configured to allow authentication information from the smart card to be utilized to allow execution of the boot process. In an example embodiment, the smart card comprises external keys for use with BITLOCKER. The secondary device is compatible with systems implementing a BIOS and with systems implementing EFI. Authentication also can be accomplished via devices that do not provide data storage, such as a biometric device or the like.TM © KIPO & WIPO 2009 ...

SMART CARD AND CHANGING METHOD OF SMART CARD PAMENT TYPE

Universal funds transfer and identification card

A universal funds transfer and identification card for use with electronic terminals, such card including a random access memory for storing up to date account information sufficient to allow the completion of at least certain transactions without the intervention of a remote computer. The card includes a plurality of storage fields, selectively addressable for storing changeable information including account balance, total amount of transactions since last update of balance, and date of last update. The information necessary for authorizing and completing a transaction is addressed by a universal terminal for transfer to the terminal from the card. The terminal is adapted to determine the credit status of the account from the information contained on the card, perform the transaction if allowed, and update the information on the card so that the card is, itself, a record of the type and status of the account.

Portable electronic device having a memory with restricted access in off-line modes

An IC card having a CPU and a memory is used in on-line and off-line modes. The memory has a nonrewritable first memory area for storing a basic function, and a rewritable second memory area capable of storing a user application program. The IC card includes a circuit for switching between enabling and disabling accesses to the second memory area in response to the mode of the on-line and off-line.

Host and user transaction system

A host and user transaction system comprising a self contained portable intelligent device (13) for use by a service user, and an interface device (11) for use by a service provider. The intelligent device (13) is in the form of an integrated circuit (IC) card incorporating a single chip microcomputer having an input/output communication port (15), nonvolatile memory (17, 19) and random access memory (21). The interface device (11) has its own memory for storing data and a coupler (14) to connect to the IC card for communicating therewith. The nonvolatile memory (17, 19) has in one part an operating system mask programmed in native code for performing basic functions and in a second part data files with different access restriction levels. The random access memory (21) is available for use by the operating system and stores data received from or ready for transmission via the communication port (15). The interface device (11) includes a program module within its own memory, which includes ...

Portable pin card

A portable Personal Identification Card allows a cardholder to enter a PIN code into his card at a location remote from an authorization terminal. In an alternate embodiment, a PIN code may be entered at the authorization terminal. The authorization terminal reads the cardholder's account number from the PIN card. The account number is transmitted to a central computer which uses this number to index into memory to find a personal identification number and encryption parameters. The central computer transmits a pseudo-random number to the PIN Card. Both the PIN Card and the central computer perform an encryption of a function of the corresponding personal identification number and pseudo-random number to derive a CGIPIN (Computer Generated Image of the PIN). If the CGIPIN transmitted from the PIN card matches the CGIPIN of the central computer, access is authorized.

Portable prescription payment device management platform apparautses, methods and systems

The PORTABLE PRESCRIPTION PAYMENT DEVICE MANAGEMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (PPD) provides a portable coupon payment device includes a substrate having surface with an image rendering thereon that corresponds to a free sample. The portable coupon payment device also has memory, in contact with the substrate, having data encoded therein including (i) an identifier for the free sample, (ii) a quantity for the free sample; (iii) a sponsor company account for a selling merchant to charge the cost of the free sample for payment to a selling merchant account to reimburse the selling merchant for the free sample; (iv) an image corresponding to the free sample; and (v) an identifier for a coupon provider donating the free sample to a consumer.

On Card Display of Data From Secured Chip

A retrofitted credit card including a certified smart card chip, a display and retrofitted emulation circuitry operative to enable the certified smart card chip to communicate information to the display notwithstanding that the certified smart card chip is configured for communication only with an external read/write device.

SMART WATCH INCLUDING A PRINTED CIRCUIT BOARD HAVING A HOLE AT THE CENTER

A watch including a dial pad, a circular movement disposed adjacent to the dial pad, a circular printed circuit board (PCB) having an inner diameter and an outer diameter, the PCB including a hole defined as the inner diameter and a plurality of integrated circuits (ICs) disposed in a region between the inner diameter and the outer diameter, in which the movement having a diameter smaller than the inner diameter is shaped and sized to fit into the hole, a first battery disposed adjacent to the PCB and supplies a first operating voltage only to the PCB, and a case dimensioned and shaped to receive the dial pad, the movement, the PCB, and the first battery.

Method of conducting transactions

A method is provided of authorizing third parties to conduct financial transactions via an ATM (12). A user (16) firstly encrypts details of a transaction to be performed on a personal digital assistant (PDA) or similar device, and then transfers the encrypted data to a third party device (18). The third party lacks the decryption key, and is unable to access the transaction details or details of the user's account. The third party then accesses an ATM (12) and transfers the encrypted data to the ATM. The ATM operator (14) is able to decrypt the data, and performs the transaction. The transaction may include data limiting its performance to specific time periods, location, or repetitions.

Hybrid authentication

A hybrid authentication device that has a keypad, a display, an electronic communications interface and a processor and memory that can be removable, such as a Subscriber Identity Module. The device can operate in a stand-alone mode, in which a user enters a personal identification number and challenge using the keypad, and the device generates a response. The device can also function as a smartcard, and can be electronically coupled to an external device using the communications interface.

Universal electronic transaction card and system and methods of conducting electronic transactions

A universal electronic transaction card ("UET card") serves as a number of different cards for banking, identification and the like. The UET card includes storage means (34), inputting and display means (30), processing means (33) and communication means (38). The display is a touch sensitive display which provides a number of menus to select the type of card to use for a transaction. After the choice is made, a graphic image appears on the display which looks like the face of the card, including the account number, user's name, the name of the credit card company and its logo. Thereafter, the user presents the UET card to the point of sales terminal for a sales transaction. The sales transaction information is transferred and stored in the UET card by the point of sales terminal to eliminate paper receipts and facilitate future storage, verification and analysis.

万能電子取引カード、システム及び方法

... 万能電子取引カード(”UETカード”)は、銀行カード及びIDカードのような多くの異なるカードとして働く。このUETカードは、記憶手段(34)、入力及び表示手段(30)、処理手段(33)及び通信手段(38)を有する。ディスプレイは、ユーザに取引に関するカードの種別を選択させるための多くのメニューを提供する接触感知ディスプレイである。選択がなされた後に、アカウント番号、ユーザ名、クレジットカード会社の名前及びそのロゴを含むカード面のようなグラフィックイメージがディスプレイ上に現れる。その後、ユーザは、セールス取引のためにPOS端末にUETカードを提示する。セールス取引情報は、紙の受領書を排除し、将来の記憶、照合及び分析を容易にするために、POS端末によってUETカード内に転送され、記憶される。 ...

Transaction cards for facilitating direct person to person payments

The cards contain the necessary hardware (Fig. 1 [1]) for carrying out short distance communication to other similar cards, possibly using the wireless Bluetooth® protocol. In the first instance the cards do not communicate with bank central computers. The cards allow details of intended payments to be stored in an on-card memory (Fig. 1 [1]). The cards may contain a display 2 and a holographic keyboard 3 for entering the amount of money to be transferred, as well as account numbers and PINs. When the payer's card is next presented at an ATM or cash point machine, the transfer of funds is activated at the bank central computer(s). Power could be provided by a solar cell 1. Additional security may be provided by fingerprint or retinal scanning devices.

Security device

Credit card or the like and system utilising same

POCKET SIZE BANK/CREDIT CARD

Input device for business transactions

ELECTRONIC CREDIT CARD - ECC

Electronic Credit Card (ECC) is an electronic device that enables transmission/reception of data and/or digital information to/from a host computer via a Terminal Station (TS). TS includes Teller Machines in supermarkets/shopping complex, Automatic Teller Machines (ATM), EFTPOS devices and proprietary transceiver devices developed by Creative On-Line Technologies Limited for PC interface. It provides latest financial information including balances on its display unit. Keypads (1) enable PIN (personal identification number) entries so that an ECC is operational. Information Display Unit (2) including an LCD (liquid crystal display) screen or other display screens provides visual information. ENTER key (3) confirms a transaction. It is also used to activate an ECC when a PIN is keyed. Audio Transducer (4) confirms entries made on keypads (1). Audio Transducer is also used to activate a financial transaction via a telephone. Data transmission/reception is via Infra red (5), Magnetic (6) and ...

TRANSACTION CARD WITH MAGNETIC STRIPE EMULATOR

SECURITY OR VALUABLE DOCUMENT WITH AT LEAST TWO DISPLAY DEVICES

The invention relates to a security or valuable document having - at least first and second display devices (118; 128), - a processor (102, 108) for driving the at least first and second display devices, - an interface (112) for supplying power to the processor from an external power source (114, 136).

AN ENABLING CARD AND METHOD AND SYSTEM USING THE ENABLING CARD IN A POS

The invention relates to an enabling card as well as a system and method for completing a financial transaction in a P.O.S. terminal comprising: a processor carried by the enabling card for: establishing a connection with a mobile device; receiving secure information from a mobile device and generating a digital signal; a coil carried by the enabling card for generating a magnetic field in response to the digital signal to simulate the swipe of card in the P.O.S. terminal and complete the financial transaction. The invention relates to an enabling card as well as a system and method for completing a financial transaction in a P.O.S. terminal comprising: a processor carried by the enabling card for: establishing a connection with a mobile device; receiving secure information from a mobile device and generating a digital signal; a coil carried by the enabling card for generating a magnetic field in response to the digital signal to simulate the swipe of card in the P.O.S. terminal and complete ...

PROCESS OF FIGHT AGAINST the FLIGHT OF TICKETS, TICKET, DEVICE Of INACTIVATION AND DEVICE Of ACTIVATION CORRESPONDENTS.

DEVICE AND PROCESS OF DATA MANAGEMENT OF THE MULTI-MEDIA TYPE

MODULATE SMART CARD READY TO EXCHANGE a MESSAGE WITH the USER OF the PROCEEDED MODULEET Of USE Of SUCH a MODULE

APPAREIL D'AUTHENTIFICATION D'IDENTITE

L'INVENTION CONCERNE UN APPAREIL ET SON UTILISATION AFIN D'AUTHENTIFIER L'IDENTITE D'UNE PERSONNE PHYSIQUE. L'APPAREIL D'AUTHENTIFICATION D'IDENTITE, GENERALEMENT UTILISE EN LIAISON AVEC LE LOGICIEL SPECIALISE D'UN SYSTEME INFORMATISE, EST BASEE SUR LE RESULTAT DE L'EXECUTION D'UN ALGORITHME DE CERTIFICATION QUI MET EN OEUVRE: UN CODE D'IDENTIFICATION; UN CODE SECRET PERSONNEL, UN CODE ALEATOIRE, DELIVRE PAR LE LOGICIEL SPECIALISE D'UN SYSTEME INFORMATISE. L'APPAREIL REPRESENTE SUR LA FIGURE EST CONSTITUE D'UN BOITIER 1 DANS LEQUEL SONT INCORPORES DES COMPOSANTS MECANIQUES ET ELECTRONIQUES STANDARD: UN ECRAN D'AFFICHAGE 2 DE CARACTERES ALPHANUMERIQUES; UN MICROPROCESSEUR 3 CHARGE DE GERER LES FONCTIONS DE BASE ET D'EXECUTER LE TRAITEMENT DE L'ALGORITHME DE CERTIFICATION; UNE MEMOIRE 4 DANS LAQUELLE EST CONSERVEE LE CODE PARTICULIER DE CHAQUE APPAREIL, ACCESSIBLE EN LECTURE UNIQUEMENT, ENREGISTRE LORS DE LA FABRICATION ET QUI NE PEUT ETRE MODIFIE; UNE MEMOIRE 5 DANS LAQUELLE EST CONSERVEE ...

CARTE DE COMMANDE AMOVIBLE A CLAVIER.

LA PRESENTE INVENTION CONCERNE UNE CARTE ELECTRONIQUE AMOVIBLE DE FAIBLES DIMENSIONS ET DE FAIBLE MASSE, A SYSTEME DE RECONNAISSANCE DE CODE, A MICRO-PROCESSEUR, A CLAVIER, AINSI QUE LE DISPOSITIF FIXE ASSOCIE POUR SON EMPLOI. CETTE CARTE PERMET A SON DETENTEUR LEGITIME, APRES RECONNAISSANCE DU CODE ET VERIFICATION D'UN DEGRE D'HABILITATION PRE-DEFINI, DE COMMANDER DIFFERENTS TYPES D'EQUIPEMENTS (INDUSTRIELS, DE BUREAU, PUBLICS, PRIVES), D'EFFECTUER DES TRANSACTIONS BANCAIRES ET COMMERCIALES, DE SAISIR DES DONNEES INFORMATISEES, D'OBTENIR L'AUTOMATISATION D'ACCES A DES PASSAGES PROTEGES, LE RANGEMENT DE CETTE CARTE ETANT EFFECTUE APRES EMPLOI DANS UN PORTEFEUILLE PAR EXEMPLE.

METHOD OF CONTROLLING TICKET, TICKET, DEVICE FOR INACTIVATING AND CORRESPONDING ACTIVATION DEVICE.

L'invention concerne un procédé de lutte contre le vol de billets équipés d'un élément de contrôle d'authenticité de type radio-étiquette, apte à retourner une information d'authenticité, en réponse à une requête d'authentification émise par un dispositif de contrôle, Selon l'invention, un tel procédé comprend les étapes suivantes : - transmission (20) audit élément de contrôle d'au moins un code d'inactivation, rendant le billet invalide ; - stockage et/ou transport (24) dudit billet invalide ; - réactivation (25) dudit élément de contrôle, à l'aide d'au moins un code d'activation, fonction dudit code d'inactivation, rendant ledit billet valide.

Removable control card with keyboard

A method of transaction with a different currency, a corresponding device and a corresponding device

ELECTRONIC INDENTIFICATION SYSTEM HAVING REMOTE AUTOMATIC RESPONSE CAPABILITY AND AUTOMATIC IDENTIFICATION METHOD THEREOF

MOBILE PAYMENT DEVICE WITH MAGNETIC STRIPE

According to the invention, a mobile payment device is disclosed. The mobile payment device may include a body, an input device, and a substrate having a magnetic stripe. The input device may be configured to receive data from a plurality of data sources. The magnetic stripe may be configured to store data received from at least one of the plurality of data sources. The substrate may be movable coupled with the body, and may be configured to move between a first and a second position. The magnetic stripe may at least partially protrude from the body in the first position, and not protrude from the body in the second position.

PHYSICAL PRESENCE DIGITAL AUTHENTICATION SYSTEM (POINTS/CASH PURCHASING MECHANISM)

The interactive authentication system allows a consumer to interact with a base station, such as broadcast media (e.g., television and radio) or PC, to receive coupons, special sales offers, and other information with an electronic card. The electronic card can also be used to transmit a signal that can be received by the base station to perform a wide variety of tasks. Theses tasks can include launching an application, authenticating a user at a website, and completing a sales transaction at a website (e.g., by filling out a form automatically.) The interaction between the base station and the electronic card is accomplished by using the conventional sound system in the base station so that a special reader hardware need not be installed to interact with the electronic card. The user is equipped with an electronic card that can receive and transmit data via sound waves. In the various embodiments, the sound waves can be audible or ultrasonic (which can be slightly audible to some groups ...

PHYSICAL PRESENCE DIGITAL AUTHENTICATION SYSTEM (DEVICE-TO-DEVICE)

The interactive authentication system allows a consumer to interact with a base station, such as broadcast media (e.g., television and radio) or PC, to receive coupons, special sales offers, and other information with an electronic card. The electronic card can also be used to transmit a signal that can be received by the base station to perform a wide variety of tasks. These tasks can include launching an application, authenticating a user at a website, and completing a sales transaction at a website (e.g., by filling out a form automatically). The interaction between the base station and the electronic card is accomplished by using the conventional sounds system in the base station so that a special reader hardware need not be installed to interact with the electronic card. The user is equipped with an electronic card that can receive and transmit data via sound waves. In the various embodiments, the sound waves can be audible or ultrasonic (which can be slightly audible to some groups ...

ELECTRONIC MOVIE CARD

An electronic movie card (10) includes a credit card size card body (12) having a display (14), and scroll controls (26), (28), (30) and (32) for enabling viewing on the display items of information pertaining to movie titles, theatres and show times available at a particular geographic area. An order control (36) allows the placement of an order for movie admissions for a selected movie title, theatre and show time for the particular geographic area. Circuitry within the card body (12) stores the information and further stores a prepaid monetary amount available in the card (10), controls the display (14) to display the information in response to the scroll controls (26), (28), (30) and (32), and enables the ordering of movie admissions in accordance with the information. A transceiver communicates with a remote site to verify the availability of the selected movie admissions and for reserving the movie admissions. A monetary amount corresponding to the value of the reserved movie admissions ...

Display device and funds transaction device including the display device

A display device is disclosed which may be used in a mobile telephone or other article which is intended to make secure transactions such as financial transactions, as well as other personal transactions such as telephone calls. The device includes a display (24) for displaying information, a financial transaction controller (26) including a processor (28), a display driver (30) for driving the display (24) and a secure memory (32). The financial transaction controller allows the display section (24), and an input keypad (12), to operate under the control of the device to enable personal functions other than financial transactions to be performed. However, in the event of a financial transaction, the financial transaction controller takes over control of the display section (24) and the input keypad (12) so that the financial transaction can be performed while the device is under the control of the financial transaction controller to thereby prevent tampering with or tapping off of data ...

Systems and methods for programmable payment cards and devices with loyalty-based payment applications

A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or the type of reward that a user would like to utilize to at least partially pay for a purchase.

MOBILE TERMINAL WITH USER IDENTIFICATION CARD INCLUDING PERSONAL FINANCE- RELATED INFORMATION AND METHOD OF USING A VALUE-ADDED MOBILE SERVICE THROUGH SAID MOBILE TERMINAL

The present invention enables a user to receive a financial service anywhere through a mobile terminal equipped with a UIM (User Identification Module) electronic card. In the present invention, a user enters his or her password to a mobile terminal with a UIM card including subscriber telephone number, finance, authorization, and personal information, then, if the entered password is correct, authorization is processed with a remote authorizing server based on the authorization information. After authorization, user's requesting service, e.g., payment service, transaction particulars inquiry service, prepaid card recharging service is conducted through a mobile network.

METHOD FOR ENCRYPTING TRANSACTIONS AT A DYNAMIC TRANSACTION CARD

One variation of a method for controlling a dynamic transaction card includes: at a first time, accessing a first cryptogram; at a second time, establishing a wireless connection with a mobile computing device; in response to establishing the wireless connection with the mobile computing device, accessing a first token associated with the first cryptogram from the mobile computing device via the wireless connection; generating a first magnetic stripe sequence command representing the first cryptogram and the first token; and in response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic transaction card at a third time succeeding the second time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command. 1. A method comprising , at a dynamic transaction card:at a first time, accessing a first cryptogram;at a second time, establishing a wireless connection with a mobile computing device;in response to establishing the wireless connection with the mobile computing device, accessing a first token associated with the first cryptogram;generating a first magnetic stripe sequence command representing the first cryptogram and the first token; andin response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic transaction card at a third time succeeding the second time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command.2. The method of claim 1 , wherein accessing the first cryptogram comprises claim 1 , at the first time preceding the second time claim 1 , storing a unique claim 1 , static cryptogram generated by an external cryptogram generator.3. The method of claim 1 , wherein accessing the first cryptogram comprises claim 1 , at the first time succeeding the second time claim 1 , at a local cryptogram generator integrated into the dynamic transaction card claim 1 , generating a single- ...

FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS

A method for securing financial transactions involving payment cards includes associating a sixteen-digit personal account number (PAN) with a particular payment card and user, wherein are included fields for a system number, a bank/product number, a user account number, and a check digit. A four-digit expiration date (MMYY) associated with the PAN. A magnetic stripe on the payment card is encoded with the PAN for periodic reading by a magnetic card reader during a financial transaction. A table of cryptographic values associated with the PAN and the MMYY is stored on each user's payment card during personalization by an issuing bank. A next financial transaction being commenced with the payment card is sensed. A cryptographic value from the table of cryptographic values is selected for inclusion as a dynamic portion of the user account number with the PAN when a next financial transaction is sensed. Any cryptographic value from the table of cryptographic values will not be used again in ...

SYSTEMS AND METHODS FOR PROGRAMMABLE PAYMENT CARDS AND DEVICES WITH LOYALTY-BASED PAYMENT APPLICATIONS

A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or the type of reward that a user would like to utilize to at least partially pay for a purchase.

HYBRID AUTHENTICATION

Portable medium

An IC card (10), as a portable medium, has an oscillator (34) for generating a low-frequency clock signal for timepiece. A display clock (103) for display is provided for counting the clock signal. The time based on a count carried out by the display clock (103) is displayed on the IC card (10) a display section (13). In this case, the count of the display clock (103) can be changed, as appropriate, by using keys on the keyboard (12) provided on the IC card (10). The IC card (10) also incorporates a transaction clock (102) for counting the clock signal. The count carried out by this transaction clock (102) is used to indicate the standard time. A count carried out by the transaction clock (102) cannot be altered by use of the keys of the keyboard (12). The clock for time display may be the transaction clock (102) allowing an access of the keyboard (12). The time for setting a term of validity and the key for encoding may be provided by the transaction clock (102) rejecting an access by ...

Vorrichtung zur Absicherung elektronischer Transaktionen mit sicheren elektronischen Signaturen

Chipkarte für eine elektronische Transaktion umfassend eine Anzeige, eine Tastatur, eine Netzwerkschnittstelle, eine Verarbeitungseinheit, einen Micro-Controller und einen Speicherbereich für Signaturinformationen und/oder Schlüsselmaterial, gekennzeichnet durch eine Einrichtung, die es der Chipkarte erlaubt, sich mit einem Wirtsystem über die Netzwerkschnittstelle zu verbinden, um sich gegenüber diesem Wirtsystem als integriertes Kartenlesegerät mit eingeschobener Chipkarte darzustellen, wobei die Transaktionsdaten zu der Chipkarte über die Netzwerkschnittstelle vom Wirtsystem empfangen werden, um auf dem Display dargestellt zu werden, um durch eine Tastatureingabe auf der Tastatur diese Transaktionsdaten bestätigen zu können, um diese Transaktionsdaten mit der Signatur zu versehen und um diese dann an den PC zu senden. Chip card for an electronic transaction comprising a display, a keyboard, a network interface, a processing unit, a micro-controller and a storage area for signature information and / or key material, characterized by a device that allows the chip card to communicate with a host system via the network interface to connect in order to present itself to this host system as an integrated card reader with an inserted chip card, the transaction data for the chip card being received via the network interface by the host system in order to be shown on the display in order to be able to confirm this transaction data by means of a keyboard input on the keyboard to add this signature to this transaction data and then send it to the PC.

UNIVERSELLE ELEKTRONISCHE TRANSAKTIONSKARTE UND VERFAHREN ZUM DURCHFÜHREN VON ELEKTRONISCHEN TRANSAKTIONEN

Mobile Benutzerschnittstelle

Credit/bank card security system

Identity device

There is disclosed an identity device 10 such as to identify a meter reader or for use as a credit card, for example, and which remains operative for its intended purpose for predetermined time period after which it becomes inoperative. The device includes, for example, means which can be acted upon with a coded signal, applied through contacts 12, to bring it to the operative state in which an L.C.D. panel 11 displays a 'cord-valid' indication for a predetermined time period after which the L.C.D. gives a 'cord-invalid' indication until a further coded signal is applied to restore the operative condition. ...

PERSONAL IDENTIFICATION SYSTEMS

Locking systems

PORTABLE TRANSFER MAP.

ELECTRONIC IDENTIFICATION SYSTEM WITH AUTOMATIC REMOTE ANSWER AND IDENTIFICATION PROCEDURE FOR THIS

INTELLIGENT TERMINAL AS SECURED DATA MEDIA.

Portable consumer transaction device with on-board powered access control

Portable system for personal identification

Physical presence digital authentication system (device fabrication)

Physical presence digital authentication system (plug-ins)

Method and apparatus for establishing a secure smart card communication link through a communication network

ELECTRONIC WALLET FOR A WIRELESS MOBILE DEVICE

There is disclosed an electronic wallet for a wireless mobile device, and a method of operating the electronic wallet. In an embodiment, the electronic wallet comprises wallet invocation means responsive to an external trigger originating externally from the wallet; user authentication means for authenticating the user of the electronic wallet upon invocation of the wallet by the external trigger; and means for returning card information stored in the wallet in dependence upon a form specified by the external trigger invoking the wallet. The external trigger may be a webpage accessed via an Internet web browser on the wireless mobile device, the webpage having a wallet trigger instruction embedded therein. The wallet trigger instruction may be an extension embedded into the header of the webpage accessed via the Internet web browser. The webpage may further include field ID tags mapping specific data fields in the wallet to form input fields provided in the webpage.

POCKET ENCRYPTING AND AUTHENTICATING COMMUNICATIONS DEVICE

The device includes a communications controller (162), a microprocessor (164 ), a ROM/RAM memory (166), an input/output circuit (168), a cryptographic engine (170), and a communications controller (172) a ll connected to a microprocessor bus (184). In addition, the device includes a modem or network interface (160), a smartcard interface (178), a keypad/display controller (176), and a communications port interface (174). The device is portable, it encrypts and authenticates data communications.

Intelligent card and accounting system using the intelligent card

It is an object of the present invention to provide a highly sophisticated functional IC card that can ensure security by preventing forgery such as changing a picture of a face, and display other images as well as the picture of a face. An IC card comprising a display device and a plurality of thin film integrated circuits; wherein driving of the display device is controlled by the plurality of thin film integrated circuits; a semiconductor element used for the plurality of thin film integrated circuits and the display device is formed by using a polycrystalline semiconductor film; the plurality of thin film integrated circuits are laminated; the display device and the plurality of thin film integrated circuits are equipped for the same printed wiring board; and the IC card has a thickness of from 0.05 mm to 1 mm.

CHART OF SAFETY FOR PAYMENT MADE SAFE BY CREDIT CARD

Secure card for secure credit card payment

La présente invention concerne les systèmes de paiement par carte de crédit et, plus particulièrement, une carte de sécurité pour fournir un code de sécurité identifiant la transaction effectuée par l'intermédiaire d'une carte de crédit. La présente invention réside dans la réalisation d'une carte de sécurité qui comprend un clavier (12) associé à un écran (20), un dispositif de mémorisation (24) des éléments invariants de la carte de crédit et un dispositif de cryptage pour calculer et afficher un code de sécurité à partir des éléments invariants et d'éléments variables, tels qu'un code secret et le montant de la transaction introduits par l'intermédiaire du clavier (12).

SUPPORT PORTATIF

LE SUPPORT PORTATIF, OU CARTE DE CIRCUITS INTEGRES 10, DE L'INVENTION COMPREND UNE MEMOIRE DE DONNEES 31 ET UNE UNITE CENTRALE DE TRAITEMENT CPU 28 SERVANT D'ELEMENT DE COMMANDE. LA CARTE DE CI 10 COMPREND EN OUTRE UN CLAVIER 12 ET UNE BATTERIE INCORPOREE 25, AINSI QU'UN CONTROLEUR D'HORLOGE 26, UN PREMIER GENERATEUR DE SIGNAUX D'HORLOGE DE BASSE FREQUENCE 34 ET UN DEUXIEME GENERATEUR DE SIGNAUX D'HORLOGE DE HAUTE FREQUENCE COMPORTANT UN OSCILLATEUR 27. QUAND LA CARTE EST UTILISEE EN MODE DIFFERE OU AUTONOME, ELLE EST ALIMENTEE PAR LA BATTERIE EN ENFONCANT UNE TOUCHE D'ALIMENTATION DU CLAVIER. LE CONTROLEUR D'HORLOGE FOURNIT UN SIGNAL D'HORLOGE DE BASSE FREQUENCE A L'UNITE CPU ET, SIMULTANEMENT, LE DEUXIEME GENERATEUR ENGENDRE UN SIGNAL D'HORLOGE DE HAUTE FREQUENCE. QUAND UN SIGNAL SUIVANT EST INTRODUIT PAR LE CLAVIER, LE CONTROLEUR D'HORLOGE FOURNIT LE SIGNAL D'HORLOGE DE HAUTE FREQUENCE A L'UNITE CPU AU LIEU DU SIGNAL D'HORLOGE DE BASSE FREQUENCE.

BANK CARD PAYMENT DEVICE COMPRISING AN ELECTRONIC AUTHENTICATION OF THE CARD AND RECOGNITION OF THE WEARER

PORTABLE ELECTRONIC APPARATUS

SMART CARD FOR AUTOMATIC PAYMENT

The present invention relates to a smart card for automatic payment. The smart card for automatic payment comprises: a communication unit receiving a communication start request from a high-pass terminal; a memory storing a prepaid card number for pre-payment and a postpaid card number for post-payment, and one high-pass applet for pre-payment and post-payment of a high-pass toll; and a processor executing the stored high-pass applet when the communication start request is received. The high-pass applet executed by the processor compares a charge balance of the smart card with a service conversion amount set for conversion between the pre-payment and the post-payment, and changes a type of payment information of a holder of the smart card set in the high-pass applet to one between information about the pre-payment and information about the post-payment according to a comparison result, such that the high-pass terminal recognizes the smart card as one between a prepaid card or a postpaid ...

PAYMENT SYSTEM AND A METHOD FOR CONTROLLING THE SAME, PARTICULARLY FOR PROVIDING AN IMPROVED UPDATE SCHEME FOR PAYMENT SERVICES

PURPOSE: A payment system and a method for controlling the same are provided to simplify the procedures in the case of adding a payment service or an electronic payment unit online or offline. CONSTITUTION: A mobile terminal comprises a downloading part(111), a memory part(112), a receiving part(113), a display part(114) and a transmitting part(115). The downloading part downloads a total payment program. The memory part registers and stores the first payment service list as the total payment program is driven. The receiving part receives payment request information for specific goods of a specific member store and the second payment service list available in the specific member store from an authentication server. The display part compares the first payment service list with the second payment service list and selectively displays a list of available payment services. If a specific payment service is selected among the displayed list, the transmitting part transmits the payment request ...

METHOD AND DEVICE FOR PROVIDING SECURE USE OF AN ELECTRONIC AUTHORIZATION/CREDIT CARD

A smart electronic authorization/credit card (100) called a Smart Key Card (SKC) and a method for its operation are provided. The SKC includes a keypad (11) for entering data, a magnetic strip (12) or a Smart Card Chip (24) which stores confidential information, a battery (38), NVM memory (19) that stores program code and data, a CPU (18) and a Smart Key Card hybrid chip. The SKC is activated by the authorized user for a predetermined time period. The method for operating the SKC includes entering a secret code through the keypad on the SKC, comparing the entered secret code to a true code stored in the SKC, and activating the SKC for a predetermined time period, when the entered secret code and the true code are the same. The data stored in the SKC can be modified by a user using the keypad and a display on the SKC.

FINANCIAL TRANSACTION TOKEN WITH ONBOARD POWER SOURCE

There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin- film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.

PORTABLE ELECTRONIC AUTHORIZATION DEVICES AND METHODS THEREFOR

A portable electronic authorization device for approving a transaction request originated from an electronic transaction system. The portable electronic authorization device (200) includes first logic circuit configured to receive first digital data representative of the transaction request. There is further included second logic circuit configured to form second digital data responsive to the transaction request received by the first logic circuit if the transaction request is approved by a user of the portable electronic transaction device. The second digital data represents encrypted data signifying an approval by the user of the transaction request. Additionally, the portable electronic authorization device includes transmission circuitry coupled to the second logic circuit. The transmission circuitry is configured to transmit the second digital data from the portable electronic authorization apparatus to the electronic transaction system (202) if the user approves the transaction request ...

PAYMENT CARD AND METHODS

One variation of a method for controlling a payment card comprising a magnetic stripe emulator and a set of input regions includes: receiving a tap input on a surface of the payment card; in response to receiving the tap input, attempting wireless communication with a mobile computing device; suppressing a payment function of the magnetic stripe emulator in response to failed wireless communication with the mobile computing device; receiving a series of inputs through the set of input regions; authenticating the series of inputs as a passcode; and, in response to authenticating the series of inputs as the passcode, enabling the payment function of the magnetic stripe emulator. 1. A method for controlling a payment card comprising a magnetic stripe emulator and a set of input regions , the method comprising:receiving a tap input on a surface of the payment card;in response to receiving the tap input, attempting wireless communication with a mobile computing device;suppressing a payment function of the magnetic stripe emulator in response to failed wireless communication with the mobile computing device;receiving a series of inputs through the set of input regions;authenticating the series of inputs as a passcode; andin response to authenticating the series of inputs as the passcode, enabling the payment function of the magnetic stripe emulator.2. The method of claim 1 , wherein receiving the tap input on the surface of the payment card comprises transitioning from a passive mode to an active mode in response to a voltage output from a piezoelectric transducer arranged within the payment card.3. The method of claim 1 , wherein attempting wireless communication with the mobile computing device comprises transmitting an inquiry for the mobile computing device that is paired with the payment card.43. The method of Claim claim 1 , wherein suppressing the payment function of the magnetic stripe emulator comprises suppressing the payment function of the magnetic stripe ...

PAYMENT CARD AND METHODS

One variation of a payment card includes: a sheet comprising first and second icons; a transducer configured to output a voltage in response to an impulse on the sheet; a wireless communication module; a first input region adjacent the first icon; a second input region adjacent the second icon; a magnetic stripe emulator; and a processor configured to transition from a passive state to an active state in response a voltage output from the transducer, to receive a first magnetic sequence command associated with a first payment method and a second magnetic sequence command associated with a second payment method, to assign the first payment method to the first input region and the second payment method to the second input region, to receive a selection for the second payment method from the second input region, and to control the magnetic stripe emulator according to the second magnetic sequence command. 1. A method for controlling a payment card comprising a magnetic stripe emulator , a first input region , and a second input region , the method comprising:establishing a wireless connection with the payment card;transmitting a first magnetic sequence command to the payment card over the wireless connection, the first magnetic sequence command associated with a first payment method assigned to the first input region;transmitting a second magnetic sequence command to the payment card over the wireless connection, the second magnetic sequence command associated with a second payment method assigned to the second input region; andon a digital display, displaying virtual representations of the first input region and the second input region on the payment card, a visual identifier of the first payment method displayed proximal the virtual representation of the first input region, and a visual identifier of the second payment method displayed proximal the virtual representation of the second input region.2. The method of claim 1 , wherein transmitting the first magnetic ...

Wireless transaction medium having combined magnetic stripe and radio frequency communications

A wireless financial transaction instrument, such as a card, has a magnetic stripe, a display, and an on-board power supply, such as a battery, and is usable with a dual capture point of sale terminal. Information is received by such a terminal from the card wirelessly, and also from the magnetic stripe, and the data received contactlessly is preferably used to verify that read from the stripe. The display can display the account number on command, or to display a current balance, or amount of credit remaining, or any combination of these items of information.

Credit card form factor secure mobile computer and methods

A communication device is provided and includes a first major surface including a display and a mixed array. The mixed array includes at least two different types of array units and occupies an area coinciding with, in plan view as viewed perpendicular to the major surface, at least substantially the entire major surface.

METHOD FOR ENCRYPTING TRANSACTIONS AT A DYNAMIC TRANSACTION CARD

One variation of a method for controlling a dynamic transaction card includes: at a first time, accessing a first cryptogram; at a second time, establishing a wireless connection with a mobile computing device; in response to establishing the wireless connection with the mobile computing device, accessing a first token associated with the first cryptogram from the mobile computing device via the wireless connection; generating a first magnetic stripe sequence command representing the first cryptogram and the first token; and in response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic transaction card at a third time succeeding the second time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command. 1. A method comprising , at a dynamic transaction card:at a first time, accessing a first cryptogram;at a second time, establishing a wireless connection with a mobile computing device;in response to establishing the wireless connection with the mobile computing device, accessing a first token associated with the first cryptogram;generating a first magnetic stripe sequence command representing the first cryptogram and the first token; andin response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic transaction card at a third time succeeding the second time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command.2. The method of claim 1 , wherein accessing the first cryptogram comprises claim 1 , at the first time preceding the second time claim 1 , storing a unique claim 1 , static cryptogram generated by an external cryptogram generator.3. The method of claim 1 , wherein accessing the first cryptogram comprises claim 1 , at the first time succeeding the second time claim 1 , at a local cryptogram generator integrated into the dynamic transaction card claim 1 , generating a single- ...

DEVICE WITH BUILT-IN BILL CAPTURE, ANALYSIS, AND EXECUTION

Systems and methods for secure and efficient bill capture, analysis, and execution are provided. A method may include capturing, via a camera embedded in a smart card, an image of a bill. The bill may include a plurality of text fields. The method may include processing the text fields via a microprocessor embedded in the smart card. The method may include determining, based at least in part on the processing of the text fields, a balance amount and a payment recipient associated with the bill. The method may also include executing a payment for the balance amount from an account associated with a user of the smart card to an account associated with the payment recipient. The executing may be performed via a wireless communication element embedded in the smart card which may be configured to provide wireless communication between the smart card and a payment gateway. 1. A platform for secure and efficient bill capture , analysis , and execution , said platform comprising a smart card that comprises:a microprocessor;a camera;a power source for the microprocessor and the camera;a wireless communication element configured to provide wireless communication between the smart card and a payment gateway; and capture, via the camera, an image of a bill, said bill comprising a plurality of text fields;', 'process the text fields of the image via a text processing module;', 'determine, based at least in part on the processing of the text fields, a balance amount and a payment recipient associated with the bill; and', 'execute a payment, over the payment gateway and for the balance amount, from an account associated with a user of the platform to an account associated with the payment recipient., 'a non-transitory memory storing computer-executable instructions, that, when run on the microprocessor, are configured to2. The platform of claim 1 , wherein claim 1 , when the payment recipient is not internally detectable from the text fields claim 1 , determining the payment ...

OFFLINE TRANSACTIONS USING A PRIMARY ELECTRONIC DEVICE OR A SECONDARY ELECTRONIC DEVICE COUPLED THERETO

An offline transaction is conducted using a primary electronic device or a secondary electronic device communicatively coupled to the primary electronic device. A geographical zone where Internet connectivity is unreliable is determined for the primary electronic device. A detection is made that the primary electronic device is about to enter the geographical zone. In response to the detecting, an amount of funds is made electronically available offline for the primary electronic device. An offline electronic transaction is conducted using the primary electronic device based on the amount of funds. The offline electronic transaction is conducted within the geographical zone. 1. A method of facilitating offline transactions , comprising: monitoring the internet connectivity for a plurality of electronic devices by detecting speeds of the internet connectivity or strengths of wireless signals associated with the internet connectivity;', 'detecting loss of internet connectivity or a weakening of the internet connectivity below a predetermined threshold among the plurality of electronic devices; and', 'determining, for each detected loss of internet connectivity or the weakening of the internet connectivity below the predetermined threshold among the plurality of electronic devices, global positioning system (GPS) coordinates of a location where the loss of the internet connectivity or the weakening of the internet connectivity is detected; and', 'designating, based on the determined GPS coordinates corresponding to the locations where the loss of the internet connectivity or the weakening of the internet connectivity is detected, the geographical zone as having the unreliable internet connectivity; and, 'detecting that a primary electronic device is within close proximity to a geographical zone where internet connectivity is unreliable, the geographical zone being determined based onin response to the detecting that the primary electronic device is about to enter the ...

Systems and methods for activating account card functions based on physical device interactions

Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison. In some embodiments, the one or more functions may relate to account information communication, such as writing a magnetic stripe, unblocking a magnetic stripe, activating a near field communication chip, displaying an account number, providing power to an antenna, or otherwise enabling communication of the account number based on the capabilities of the card.

Contactless payment relay attack protection

A method for contactless payment relay attack protection includes receiving an online authorization request including a cryptogram, a measured processing time, and a reference processing time from a terminal. The cryptogram is verified, and a determination is performed as to whether the measured processing time exceeds the reference processing time. An online authorization response authorizing or declining a monetary transaction is transmitted, based on the determination. An artificial intelligence transaction analysis can be performed based on past and current conditions (e.g., battery level, operating system, open applications) of a payment device such as a mobile phone, past and current conditions of a terminal, and/or a monetary amount. The online authorization response can be based on the artificial intelligence transaction analysis.

SYSTEMS AND METHODS FOR AUTHENTICATING USERS

Systems and methods for verifying users in connection with transactions using biometric payment card devices are disclosed. One exemplary biometric payment card device generally includes a card body, a fingerprint sensor, a modem, and a processor coupled to the modem and the fingerprint sensor, where each of the fingerprint sensor, the modem, and the processor are disposed on the card body. The processor of the payment card device is configured to capture, via the fingerprint sensor, a fingerprint of a user associated with the payment account, compare the captured fingerprint to a reference fingerprint stored in memory in communication with the processor, and then compile and transmit, by the modem, an authentication result to an issuer of the payment account and/or a payment network associated with the payment account in response to the user being authenticated, or not, based on the comparison of the captured fingerprint and the reference fingerprint. 1. A payment card device associated with a payment account , the payment card device comprising:a card body defining a length dimension between about 15 mm and about 150 mm, a width dimension between about 15 mm and about 150 mm, and a thickness dimension between about 0.1 mm and about 1 mm;a fingerprint sensor disposed on the card body;a modem disposed on the card body; and capture, via the fingerprint sensor, a fingerprint of a user associated with the payment account;', 'compare the captured fingerprint to a reference fingerprint stored in memory in communication with the processor; and', 'compile and transmit, by the modem, an authentication result to an entity associated with the payment account in response to the user being authenticated, or not, based on the comparison of the captured fingerprint and the reference fingerprint., 'a processor disposed on the card body and coupled to the modem and the fingerprint sensor, wherein the processor is configured to2. The payment card device of claim 1 , wherein the ...

CARDS AND DEVICES WITH MULTIFUNCTION MAGNETIC EMULATORS AND METHODS FOR USING THE SAME

A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable of communicating information to a magnetic stripe reader. Information used in validating a financial transaction is encrypted based on time such that a validating server requires receipt of the appropriate encrypted information for a period of time to validate a transaction for that period of time. Such dynamic information may be communicated using such an emulator such that a card may be swiped through a magnetic stripe reader—yet communicate different information based on time. An emulator may receive information as well as communicate information to a variety of receivers (e.g., an RFID receiver). 15-. (canceled)6. A device comprising:an emulator operable to provide a read-head of a magnetic stripe reader with magnetic stripe data while located outside of said magnetic stripe reader, wherein said emulator is fabricated on a PCB; anda processor for controlling said emulator, wherein switching circuitry is operable to be utilized by said processor to control said emulator to provide said magnetic stripe data.7. The device of claim 6 , wherein the device is thicker than a credit card.8. The device of claim 6 , wherein the device is a wireless communication device.9. The device of claim 6 , wherein the device is a portable telephonic device.10. The device of claim 6 , wherein the device is a portable media player.11. The device of claim 6 , further comprising a display operable to display a virtual card.12. The device of claim 6 , further comprising a touch-sensitive display operable to display a virtual card.13. The device of claim 6 , further comprising an RFID operable to electrically couple to a RFID reader.14. The device of claim 6 , further comprising an RFID operable to electrically couple to a RFID reader claim 6 , wherein the processor is operable to drive the emulator to electrically couple to the read-head and then to drive the emulator to electrically couple to ...

CASH-EQUIVALENT DEVICE FOR DIGITAL CURRENCIES

An electronic device is provided that acts as cryptocurrency cash for point of sale or service transactional commerce. The electronic device is implemented using a microcontroller that can be manufactured inexpensively and physically handed over from one person to another just like cash. The device can hold cryptocurrency value without allowing the current holder to empty the assigned value of the device and hand the device over to an unsuspecting recipient of a transaction as untampered. This allows for digital cryptocurrency transactions that are instantaneous and which do not incur transaction costs. Cryptographically sound protocols are provided for the manufacturing and issuing of forms of the electronic device, verification of its untampered cryptographic keys and value and finally overtly removing the value to discard and/or reuse the electronic device. A method is provided which facilitates verification whether the electronic is genuine, untampered, and funded with cryptocurrency value. 1. A cash equivalent device for digital currencies comprising:a microcontroller;a memory in electrical communication with said microcontroller;an antenna in electrical communication with said microcontroller; andwherein said cash equivalent device securely holds a designated cryptocurrency value for circulation, and upon physical handover of said cash equivalent device from a first user to a second user transfers ownership of the designated cryptocurrency value as cash currency, while eliminating the ability of the first user to access the funds stored on the device after handing over the device to the second user.2. The device of wherein the cash equivalent device is in the form of a credit card.3. The device of wherein the cash equivalent device is in the form of a coin.4. The device of wherein the cash equivalent device is in the form of flexible paper currency.5. The device of further comprising a private key generated by the cash equivalent device and stored in said ...

Intelligent Credit Card System

A new credit card system which enables improved reading and other operations. Reading can be done in the short edge of the credit card thereby shortening the aspect ratio and size of the card reader. The reader can be electrical, reading information via contacts, or can be optical readers.

METHOD AND APPARATUS FOR PROVIDING REAL TIME MUTABLE CREDIT CARD INFORMATION AND FOR PROVIDING SLEEP MODE FUNCTIONALITY

A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone. 1. A smartcard apparatus comprised of:a microprocessor chip;a button;a preliminary dynamic transaction authorization number; and transmit an instruction to a smartphone for a request for a dynamic transaction authorization number, said dynamic transaction authorization number that replaces the preliminary dynamic transaction authorization number when the button is depressed;', 'receive the dynamic transaction authorization number from a smartphone;, 'a Bluetooth low energy device (“BLE”) which is configured toa battery configured to power the BLE and the microprocessor chip;memory configured to store the dynamic transaction authorization number; anda dynamic magnetic strip comprising a digital representation of the dynamic transaction authorization number;a sleep mode, the smartcard being configured to enter the sleep mode after a predetermined time period of inactivity.2. The smartcard of claim 1 , wherein the smartcard is configured to communicate with an application on a smartphone;the smartcard further ...

Method and apparatus for providing real time mutable credit card information with future timestamp functionality

A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.

Electronic wallet device

An example electronic wallet device may include a plurality of card slots to receive transaction cards; a plurality of card readers, each card reader, of the plurality of card readers, being associated with a card slot of the plurality of card slots; a hub comprising: a processor, and a communication interface; and a switching component that connects the plurality of card readers to the hub.

PAYMENT CARDS AND DEVICES WITH GIFT CARD, GLOBAL INTEGRATION, AND MAGNETIC STRIPE READER COMMUNICATION FUNCTIONALITY

A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine gift cards. Similarly, a user be provided with a global payment account that can be utilized in multiple countries that have different standards for formatting data. A user may be provided with a default country (e.g., United States) but may have a way to select that the user is in a different country (e.g., Japan). Accordingly, a user may select that a Japanese data structure be transmitted through a magnetic stripe reader when the user is in Japan. 13-. (canceled)4. A system , comprising:a wireless communications device operable to communicate information to at least one read-head of a magnetic stripe reader without physically contacting the magnetic stripe reader. This application claims the benefit of U.S. Provisional Patent Application Nos. 61/016,491 filed on Dec. 24, 2007 (Docket No. JDM/019 PROV), 61/026,846 filed on Feb. 7, 2008 (Docket No. JDM/019PROV2), 61/027,807 filed on Feb. 18, 2008 (Docket. No. JDM/020 PROV), 61/081,003 filed on Jul. 15, 2008 (Docket No. D/005 PROV), 61/086,239 filed on Aug. 5, 2008 (Docket No. D/006 PROV), 61/090,423 filed on Aug. 20, 2008 (Docket No. D/007 PROV), 61/097,401 filed Sep. 16, 2008 (Docket No. D/008 PROV), 61/112,766 filed on Nov. 9, 2008 (Docket No. D/009 PROV), 61/117,186 filed on Nov. 23, 2008 (D/010 PROV), 61/119,366 filed on Dec. 2, 2008 (Docket No. D/011 PROV), and 61/120,813 filed on Dec. 8, 2008 (Docket No. D/012 PROV), all of which are hereby incorporated by reference herein in their entirety.This invention relates to magnetic cards and payment systems.A card is provided, such as a credit card or security card, that may transmit information to a magnetic stripe reader via a magnetic emulator. The magnetic emulator may be, ...

Payment card and methods

One variation of a payment card includes: a sheet comprising first and second icons; a transducer configured to output a voltage in response to an impulse on the sheet; a wireless communication module; a first input region adjacent the first icon; a second input region adjacent the second icon; a magnetic stripe emulator; and a processor configured to transition from a passive state to an active state in response a voltage output from the transducer, to receive a first magnetic sequence command associated with a first payment method and a second magnetic sequence command associated with a second payment method, to assign the first payment method to the first input region and the second payment method to the second input region, to receive a selection for the second payment method from the second input region, and to control the magnetic stripe emulator according to the second magnetic sequence command.

Transaction token that stores and presents location-specific token identifiers

In certain embodiments, location-based activation of card identifiers may be facilitated. In some embodiments, an electrophoretic display card may store a set of location-specific card identifiers, where each card identifier of the set is associated with (i) an account of a user and (ii) creation location information indicating a device location of the user at a creation time of the card identifier. In response to being powered by a user device, the card may initiate wireless communication with the user device. The card may determine a device location of the user device, select a card identifier from the set of card identifiers that matches the device location, and switch a state of the card identifier to an active state to enable transaction processing for the card identifier. In some embodiments, the card may cause the active card identifier to be presented on an electrophoretic display of the card.

PAYMENT SYSTEM, ELECTRONIC DEVICE AND PAYMENT METHOD THEREOF

An electronic device for making a payment is provided. The electronic device includes a display configured to receive a user command, a transceiver configured to communicate with an external device, and a processor configured to request a token associated with a financial service from a payment server when a user requests the financial service and to generate data for providing the financial service by using the token and service information when the token and the service information associated with the financial service is received from the payment server. 1. An electronic device comprising:a display configured to receive a user command;a biometric sensor;a communication circuit configured to communicate with an external device;a memory configured to store a private key; and receive a payment request of a user using the display,', 'in response to the payment request, receive a payment request of a user using the biometric sensor,', 'perform biometric authentication based on obtained biometric information,', 'if the biometric authentication is completed, transmit first information encrypted by using the private key to an authentication server for user authentication using the communication circuit,', 'receive second information corresponding to result of the user authentication performed by the authentication server based on the first information using the communication circuit,', 'in response to receipt of the second information, transmit a payment data request to a payment server for issuing payment data or acting to issue the payment data using the communication circuit,', {'b': '1', 'receive payment data issued based on the payment data request, corresponding to at least one of track , track 2 and track 3 of payment card from the payment server using the communication circuit, and'}, 'transmit a signal generated based on the received payment data., 'a processor electrically connected to the display, the biometric sensor, the communication circuit and the memory, ...

Electronic Card

An electronic card has a power source, a user selection mechanism operable to allow a user to select a customization variable for a single transaction, a processor for generating a transaction specific data packet that includes a card number and a customized number and an electronic communication device operable to cause the data packet to be read by a read head of a magnetic strip reader. The electronic communication device is operable to dynamically convey the transaction specific data packet to a read head of a magnetic card reader so that the transaction specific data packet is read by the read head. The transaction specific data packet is dynamically generated for use by the card for the single transaction of the card and the customized number is determined based upon the customization variable selected by the user selection mechanism.

PAYMENT CARD, RELATED READING DEVICE AND BRACELET COMPRISING THE PAYMENT CARD

A payment card comprises a supporting body with a controller provided with an inner memory in which identification data of a user and the issuing institution are stored. In addition the card provides a connection interface combined with the controller for the connection with an outside device. The connection interface is a connection port incorporating a male portion and a female portion arranged, one with respect to the other, according to a specific layout rendering such a port a “hermaphrodite” port, that is able to couple with a port having an identical geometry. The convection port further comprises a plurality of electric contact elements combined with the male portion and/or the female portion. A method referring to virtual transfer of money between two payment cards is further described. 1100. Payment card () comprising:{'b': 30', '10', '20, 'aa) a supporting body () having a first face () and a second face () opposite one another;'}{'b': 150', '100, 'bb) a controller () provided with an inner memory in which identification data of a user and/ or the institution issuing the payment card () are stored;'}{'b': 50', '150, 'cc) a connection interface () operatively combined with the controller () for connection with at least one outside device;'}{'b': '50', 'dd) the connection interface is a connection port () of hermaphrodite type that incorporates'}{'b': 52', '54', '50, 'ee) a male portion () and a female portion () arranged, one with respect to the other, in such a position to allow a mechanical and operative coupling with an identical connection port () of said at least one outside device;'}{'b': 60', '52', '54, 'ff) a plurality of electric contact elements () combined with the male portion () and/or the female portion ().'}21005254. Payment card () according to claim 1 , wherein the male portion () and the female portion () are superimposed and aligned with one another with respect to a common median plane claim 1 , which is also a plane of symmetry. ...

Smart cards and smart card communication methods and systems

The present disclosure includes a smart card. The smart card includes an audio module to receive a money deduction request in a form of an external audio signal from an external device, wherein the monetary-amount deduction request includes a monetary amount to be deducted and the external device's identification information. The smart card further includes a data processing module to authenticate the external device's identification information, deduct the monetary amount from the smart card after the authentication of the external device's identification information is passed, and generate monetary-amount-deduction result information. The audio module transmits to the external device the monetary-amount-deduction result information in a form of an audio signal, wherein the monetary-amount-deduction result information includes a deducted monetary amount to be added to the external device and the smart card's identification information to be authenticated by the external device.

Systems and methods for programmable payment cards and devices with loyalty-based payment applications

A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or the type of reward that a user would like to utilize to at least partially pay for a purchase.

SYSTEMS AND METHODS FOR ACTIVATING ACCOUNT CARD FUNCTIONS BASED ON PHYSICAL DEVICE INTERACTIONS

Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison. In some embodiments, the one or more functions may relate to account information communication, such as writing a magnetic stripe, unblocking a magnetic stripe, activating a near field communication chip, displaying an account number, providing power to an antenna, or otherwise enabling communication of the account number based on the capabilities of the card. 130-. (canceled)31. An account card device for providing account information , comprising:a housing;a power source;a sensor;a data transmitter;at least one memory storing instructions and account information; and detecting, using the sensor, a motion pattern corresponding to a physical gesture performed using the account card device;', 'analyze the detected motion pattern using a predefined motion pattern; and', 'activating the data transmitter, based on the detected motion pattern, the data transmitter to provide the stored account information from the account card device to a card information receiver., 'at least one processor configured to execute the stored instructions to perform operations comprising32. The apparatus of claim 31 , wherein the housing comprises a card configured to fit within a wallet.33. The apparatus of claim 31 , wherein the power supply comprises a wireless power receiver.34. The apparatus of claim 31 , wherein the power supply comprises a kinetic power generator.35. The apparatus of claim 31 , wherein the data transmitter comprises a magnetic stripe.36. The apparatus of ...

Systems and methods for activating account card functions based on physical device interactions

Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison. In some embodiments, the one or more functions may relate to account information communication, such as writing a magnetic stripe, unblocking a magnetic stripe, activating a near field communication chip, displaying an account number, providing power to an antenna, or otherwise enabling communication of the account number based on the capabilities of the card.

CARDS AND DEVICES WITH MAGNETIC EMULATORS WITH ZONING CONTROL AND ADVANCED INTERIORS

A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable to act as a magnetic stripe read-head detector and a data transmitter. A multiple layer flexible PCB may be fabricated to include multiple magnetic emulators. An emulator may include a coil that includes magnetic, ferromagnetic, or ferromagnetic, material in the coil's interior. Coils may be associated with zones. As a read-head is detected to move from zone-to-zone, coils may be activated to transmit information in those zones. 12-. (canceled)3. A portable device comprising:a battery;a coupling operable to receive a removable cable to recharge said battery; anda magnetic emulator operable to serially communicate a first magnetic stripe data track and a second magnetic stripe data track to a first magnetic stripe data track receiver and a second magnetic stripe data track receiver of a payment card reader while located outside of said payment card reader.4. The portable device of claim 3 , further comprising a display operable to display a virtual payment card claim 3 , wherein said display is operable to display alphanumeric data.5. The portable device of claim 3 , wherein a dynamic code is communicated to said payment card reader and said dynamic code is utilized to validate a purchase transaction.6. The portable device of claim 3 , wherein a dynamic code based on use is communicated to said payment card reader.7. The portable device of claim 3 , wherein a dynamic code based on time is communicated to said payment card reader.8. The portable device of claim 3 , wherein said portable device is a portable telephonic device.9. The portable device of claim 3 , wherein said magnetic emulator is provided on a printed circuit board.10. The portable device of claim 3 , wherein said magnetic emulator is provided on FR4.11. The portable device of claim 3 , further comprising a material operable to reduce the effect of electromagnetic fields.12. The portable device of claim 3 , ...

METHOD FOR ENCRYPTING TRANSACTIONS AT A DYNAMIC TRANSACTION CARD

One variation of a method for controlling a dynamic transaction card includes: at a first time, accessing a first cryptogram; at a second time, establishing a wireless connection with a mobile computing device; in response to establishing the wireless connection with the mobile computing device, accessing a first token associated with the first cryptogram from the mobile computing device via the wireless connection; generating a first magnetic stripe sequence command representing the first cryptogram and the first token; and in response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic transaction card at a third time succeeding the second time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command. 1. A method comprising , at a dynamic transaction card:at a first time, accessing a first cryptogram;at a second time, establishing a wireless connection with a mobile computing device;in response to establishing the wireless connection with the mobile computing device, accessing a first token associated with the first cryptogram;generating a first magnetic stripe sequence command representing the first cryptogram and the first token; andin response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic transaction card at a third time succeeding the second time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command.2. The method of claim 1 , wherein accessing the first cryptogram comprises claim 1 , at the first time preceding the second time claim 1 , storing a unique claim 1 , static cryptogram generated by an external cryptogram generator.3. The method of claim 1 , wherein accessing the first cryptogram comprises claim 1 , at the first time succeeding the second time claim 1 , at a local cryptogram generator integrated into the dynamic transaction card claim 1 , generating a single- ...

Dynamic Number Authentication for Credit/Debit Cards

A method and apparatus for conducting a commercial transaction over the Internet or other network connection are provided. Random numbers, which are unique for each user session, are pre-loaded onto a handheld, portable device, or token. The random numbers are generated by external systems and delivered to the token for storage in an internal memory and to a database accessible by an authentication system. The random numbers are dispensed by the token to a user by pressing a button on the token or otherwise signaling the token. A dispensed number is cross referenced, by the authentication system, to the database. The dispensed number authenticates the user or transaction.

PAYMENT CARD AND METHODS

One variation of a payment card includes: a sheet comprising first and second icons; a transducer configured to output a voltage in response to an impulse on the sheet; a wireless communication module; a first input region adjacent the first icon; a second input region adjacent the second icon; a magnetic stripe emulator; and a processor configured to transition from a passive state to an active state in response a voltage output from the transducer, to receive a first magnetic sequence command associated with a first payment method and a second magnetic sequence command associated with a second payment method, to assign the first payment method to the first input region and the second payment method to the second input region, to receive a selection for the second payment method from the second input region, and to control the magnetic stripe emulator according to the second magnetic sequence command. 1establishing a wireless connection with the payment card;transmitting a first magnetic sequence command to the payment card over the wireless connection, the first magnetic sequence command associated with a first payment method assigned to the first input region;transmitting a second magnetic sequence command to the payment card over the wireless connection, the second magnetic sequence command associated with a second payment method assigned to the second input region; andon a digital display, displaying virtual representations of the first input region and the second input region on the payment card, a visual identifier of the first payment method displayed proximal the virtual representation of the first input region, and a visual identifier of the second payment method displayed proximal the virtual representation of the second input region.. A method for controlling a payment card comprising a magnetic stripe emulator, a first input region, and a second input region, the method comprising: This application is a continuation of U.S. application Ser. No. 13/904, ...

METHOD FOR ENCRYPTING TRANSACTIONS AT A DYNAMIC TRANSACTION CARD

One variation of a method for controlling a dynamic transaction card includes: at a first time, accessing a first cryptogram; at a second time, establishing a wireless connection with a mobile computing device; in response to establishing the wireless connection with the mobile computing device, accessing a first token associated with the first cryptogram from the mobile computing device via the wireless connection; generating a first magnetic stripe sequence command representing the first cryptogram and the first token; and in response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic transaction card at a third time succeeding the second time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command. 1. A method comprising: accessing a first cryptogram associated with a first transaction method;', 'accessing a first token associated with the first transaction method;', 'generating a first magnetic stripe sequence command representing the first cryptogram and representing the first token; and', 'in response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic card, driving the magnetic stripe emulator according to the first magnetic stripe sequence command., 'at a dynamic transaction card2. The method of claim 1 , wherein accessing the first cryptogram comprises claim 1 , at a local cryptogram generator integrated into the dynamic card claim 1 , generating the first cryptogram comprising a single-use cryptogram.3. The method of : receiving the first token from an external token generator on behalf of a financial institution affiliated with the dynamic card; and', 'storing the first token in local memory on the mobile computing device;, 'further comprising, at a native application executing on a mobile computing device establishing the wireless connection with the mobile computing device;', 'detecting activation of the ...

Smart card with built-in support provisioning mechanism

Systems and methods for augmenting a dedicated payment instrument to leverage built-in access to real-time support from a central system are provided. Methods may be executed via computer-executable instructions that are stored in a non-transitory memory of the instrument and run on a microprocessor embedded in the instrument. Methods may include receiving a request from a user of the instrument, via one or more sensors, to initiate a support session. The sensors may include a camera, a microphone, and/or a tactile sensor. Methods may include transmitting the request to the central system via a wireless communication element, and receiving, from the central system, support session data. Methods may also include displaying, on a display screen, information based on the support session data.

Cards and devices with magnetic emulators with zoning control and advanced interiors

A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable to act as a magnetic stripe read-head detector and a data transmitter. A multiple layer flexible PCB may be fabricated to include multiple magnetic emulators. An emulator may include a coil that includes magnetic, ferromagnetic, or ferromagnetic, material in the coil's interior. Coils may be associated with zones. As a read-head is detected to move from zone-to-zone, coils may be activated to transmit information in those zones.

IDENTIFICATION VERIFICATION SYSTEM

A method and apparatus is provided for verifying the validity of ID cards. A card reading device reads an ID card and transmits a request to a database server. A database is queried and a reply is sent back to the card reading device indicating whether the ID is valid. If desired, the reply can include additional information, such as a description of the ID holder. The ID verification system can be used to help verify whether an ID belongs to the ID holder. The system can also log and timestamp events for future access. 119-. (canceled)20. An apparatus comprising:at least one reader; reading personal information from an ID of a person using the at least one reader;', 'reading biometric information of the person using the at least one reader;', 'determining verification of the personal information and the biometric information at least partly using at least one database; and', 'enabling at least one action in response to determining verification of the personal information and the biometric information., 'a processor configured to perform functions including at least21. The apparatus of claim 20 , wherein the apparatus comprises a web-enabled cellular telephone.22. The apparatus of claim 20 , wherein the apparatus comprises one or more of a wireless device claim 20 , personal digital assistant claim 20 , computer claim 20 , or cash register.23. The apparatus of claim 20 , wherein the at least one reader comprises a card reader and a biometric reader.24. The apparatus of claim 20 , wherein the at least one reader is removably attachable to the apparatus.25. The apparatus of claim 20 , wherein the at least one reader is integrated into the apparatus.26. The apparatus of claim 20 , wherein the at least one reader is configured to read a machine readable identifier claim 20 , a photograph claim 20 , an image claim 20 , a name claim 20 , a number claim 20 , a stored template claim 20 , a barcode claim 20 , or a PIN.27. The apparatus of claim 20 , wherein the at least one ...

Systems and methods for activating account card functions based on physical device interactions

Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison. In some embodiments, the one or more functions may relate to account information communication, such as writing a magnetic stripe, unblocking a magnetic stripe, activating a near field communication chip, displaying an account number, providing power to an antenna, or otherwise enabling communication of the account number based on the capabilities of the card.

BLUETOOTH FINANCIAL CARD AND WORKING METHOD THEREFOR

A Bluetooth financial card, belonging to the field of information security, and comprising a receiving module, an acquisition module, a first execution module, a selection module, a cardholder verification module, a second execution module, an online transaction message organization sending module, an authorization response receiving module, and a transaction confirmation message organization sending module. The technical solution disclosed in the present invention overcomes the defects that the existing contact-type financial cards and contactless-type financial cards are inconvenient to operate in a transaction process, improving the working efficiency, and also saving on the manufacturing cost. The Bluetooth financial card communicates with an upper computer via Bluetooth, which makes the transaction operation more convenient; and when using a fingerprint verification type of cardholder verification method, the transaction is more convenient and secure. 1. A working method for a Bluetooth financial IC card , wherein the method comprises the following steps:{'b': '1', 'S) receiving, by the Bluetooth financial IC card, a transaction instruction from an upper computer via Bluetooth, and obtaining transaction data from the transaction instruction;'}{'b': '2', 'S) executing, by the Bluetooth financial IC card, operations of an application selection, an application initialization, and data reading so as to obtain application data, and choosing a card holder authenticated method according to a card holder authenticated method list in the application data, executing a card holder authentication according to a card holder authenticated method, and the card holder authenticated method list includes the card holder authenticated method of fingerprint authenticated type;'}{'b': 3', '4, 'S) executing, by the Bluetooth financial IC card, a terminal risk management and an action analysis operation according to the application data and the transaction data, and executing Step S ...

PAYMENT SYSTEM, ELECTRONIC DEVICE AND PAYMENT METHOD THEREOF

An electronic device for making a payment is provided. The electronic device includes a display configured to receive a user command, a transceiver configured to communicate with an external device, and a processor configured to request a token associated with a financial service from a payment server when a user requests the financial service and to generate data for providing the financial service by using the token and service information when the token and the service information associated with the financial service is received from the payment server. 1. An electronic device comprising:a display configured to receive a user command;a transceiver configured to communicate with an external device; and request a token associated with a financial service from a payment server when a user requests the financial service, and', 'generate data for providing the financial service by using the token and service information when the token and the service information associated with the financial service is received from the payment server., 'a processor configured to2. The electronic device of claim 1 , further comprising:a memory,wherein the processor is further configured to store the token in the memory.3. The electronic device of claim 2 , wherein the processor is further configured to:request the service information from the payment server when the user requests the financial service, andgenerate the data for providing the financial service by using the token stored in the memory and the service information when the service information is received from the payment server.4. The electronic device of claim 1 , further comprising:a magnetic secure transmission (MST) emitter,wherein the processor is further configured to send the data for providing the financial service to a payment device or a deposit and withdrawal device through the MST emitter.5. The electronic device of claim 1 ,wherein the data for the financial service is track data, and generate first track data ...

Cards and devices with multifunction magnetic emulators and methods for using same

A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable of communicating information to a magnetic stripe reader. Information used in validating a financial transaction is encrypted based on time such that a validating server requires receipt of the appropriate encrypted information for a period of time to validate a transaction for that period of time. Such dynamic information may be communicated using such an emulator such that a card may be swiped through a magnetic stripe reader—yet communicate different information based on time. An emulator may receive information as well as communicate information to a variety of receivers (e.g., an RFID receiver).

Methods, Systems and Computer Program Products for Identity Authentication for Payment Card Based Payment Transactions

The invention provides methods, systems and computer program products for identity authentication for payment card based payment transactions. A payment card may be configured for payor identity authentication for the purpose of an electronic payment transaction(s), and may comprise (i) sensors to measure card handling parameters, (ii) an authentication signature generator, configured to generate and store a biometric identity signature associated with an authorized cardholder—which signature is based on a first set of card handling parameter data received from the sensors, (iii) a card handling data comparator configured to receive a second set of card handling parameter data from the sensors, retrieve the biometric identity signature associated with the authorized cardholder, and compare the second set of card handling parameter data with data extracted from the retrieved biometric identity signature, and (iv) an authentication decision generator configured to generate an identity authentication decision based on the comparison. 1. A payment card configured for payor identity authentication for the purpose of an electronic payment transaction(s) , the payment card comprising:one or more sensors configured to measure card handling parameters associated with the payment card; generate a biometric identity signature associated with an authorized cardholder corresponding to the payment card, wherein the biometric identity signature is generated based on a first set of card handling parameter data received from the one or more sensors; and', 'retrievably store the generated biometric identity signature in a memory;, 'a processor implemented authentication signature generator, configured to receive a second set of card handling parameter data from the one or more sensors;', 'retrieve the biometric identity signature associated with the authorized cardholder from the memory; and', 'compare the second set of card handling parameter data with data extracted from the ...

Identification verification system

A method and apparatus is provided for verifying the validity of ID cards. A card reading device reads an ID card and transmits a request to a database server. A database is queried and a reply is sent back to the card reading device indicating whether the ID is valid. If desired, the reply can include additional information, such as a description of the ID holder. The ID verification system can be used to help verify whether an ID belongs to the ID holder. The system can also log and timestamp events for future access. 120-. (canceled)21. An apparatus comprising:a mobile device; and obtaining at least one photographic image associated with an identification document;', 'obtaining biometric information from a holder of the identification document;', 'determining whether there is a match between the at least one photographic image and the biometric information; and', 'generating at least an indication of the match., 'at least one processor configured to perform functions including at least22. The apparatus of claim 21 , wherein the at least one photographic image is of a person's face.23. The apparatus of claim 21 , wherein the biometric information from a holder of the identification document comprises face image data.24. The apparatus of claim 23 , wherein determining whether there is a match between the at least one photographic image and the biometric information comprises comparing the photographic image of a person's face to the face image data from the holder of the identification document.25. The apparatus of claim 24 , wherein the comparing the photographic image of a person's face to the face image data from the holder of the identification document comprises:applying a biometric recognition algorithm to the photographic image of a person's face and the face image data from the holder of the identification document.26. The apparatus of claim 25 , wherein the applying a biometric recognition algorithm to the photographic image of the person's face and the ...

METHOD AND SYSTEM FOR PAYMENT HANDLING

A method for simple and secure payment handling includes at least the following steps: transmission of identification information to a mobile device (MG); transmission of the purchase sum into a terminal (T); connection of the debit card to the terminal (T); transmission of purchase sum and identification information (ID) from the terminal (T) to a payment institution (ZI); transmission of payment sum and identification information (ID) from the payment institution (ZI) to a coordination entity (KI); association of the identification information (ID) with the mobile device (MG) and transmission of the purchase sum to the mobile device (MG) for authorisation; in the event of verification of the purchaser, transmission of the authorisation via the coordination entity (KI) to the payment institution (ZI) and prompting of debiting of an account of the purchaser; transmission of confirmation of the payment from the payment institution (ZI) to the terminal (T). 1. A method for payment handling at a payment station of a vendor using a mobile device of a purchaser ,wherein the payment station has a terminal equipped for debit cards, and the terminal is equipped with a card port, a display, an input apparatus and an interface to a payment institution,wherein a debit card suitable for said terminal or the terminal is equipped with an element for wirelessly transmitting a debit-card-specific identification information to the mobile device, andwherein the payment handling includes at least the following steps:transmission of the identification information to the mobile device;transmission or input of the purchase price into the terminal;connection of the debit card to the terminal via the card port or triggering of a terminal-specific identifier via an input on the terminal; transmission of the purchase price and the identification information from the terminal to a payment institution;', 'transmission of the purchase price and the identification information from the payment ...

PAYMENT CARDS AND DEVICES WITH DISPLAYS, CHIPS, RFIDS, MAGNETIC EMULATORS, MAGNETIC ENCODERS, AND OTHER COMPONENTS

A payment card (e.g., credit and/or debit card) or other card or device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. User interfaces are provided in a number of different configurations in order to achieve a number of different functionalities. 1. A portable telephonic device comprising:a display;a magnetic emulator operable to communicate data to a magnetic stripe reader through at least a portion of a housing of said magnetic stripe reader;a plurality of antennas;anda plurality of processors.2. The portable telephonic device of claim 1 , further comprising a microphone.3. The portable telephonic device of claim 1 , further comprising a vibrational device.4. The portable telephonic device of claim 1 , further comprising a source of audible signals.5. The portable telephonic device of claim 1 , further comprising a user interface.6. The portable telephonic device of claim 1 , further comprising a power generating device.7. The portable telephonic device of claim 1 , further comprising a source of electrical energy.8. The portable telephonic device of claim 1 , further comprising a button.9. The portable telephonic device of claim 1 , further comprising an IC Chip.10. The portable telephonic device of claim 1 , further comprising a source of light.11. The portable telephonic device of claim 1 , further comprising:a microphone;a vibrational device; anda source of audible signals.12. The portable telephonic device of claim 1 , further comprising:a microphone;a vibrational device;a source of audible signals; anda user interface. This application claims the benefit of U.S. Provisional Patent Application Nos. 61/016,491 filed on Dec. 24, 2007 (Docket No. JDM/019 PROV), 61/026,846 filed on Feb. 7, 2008 (Docket No. JDM/019PROV2), 61/027,807 filed on Feb. 11, 2008 (Docket. No. JDM/020 PROV), 61/081,003 filed on Jul. 15, 2008 (Docket No. D/005 PROV), 61/086,239 filed on Aug. 5, 2008 (Docket No. D/ ...

ENABLING CARD AND METHOD AND SYSTEM USING THE ENABLING CARD IN A POS

The invention relates to an enabling card as well as a system and method for completing a financial transaction in a P.O.S. terminal comprising: a processor carried by the enabling card for: establishing a connection with a mobile device; receiving secure information from a mobile device and generating a digital signal; a coil carried by the enabling card for generating a magnetic field in response to the digital signal to simulate the swipe of card in the P.O.S. terminal and complete the financial transaction. 1. An enabling card for completing a transaction in a reader comprising: i) establish a connection with a mobile device; and', 'ii) receive secure information from the mobile device and generate a digital signal to a means carried by the enabling card;, 'a) a processor carried by the enabling card tob) wherein said means carried by the enabling card receives said digital signal from said processor to generate a magnetic field to simulate a swipe of a regular credit card in the reader and complete the transaction;c) and wherein said means for generating a magnetic field comprises Mu-metal.2. The enabling card as claimed in wherein the mobile device comprises a mobile phone and the processor establishes a wireless connection with the mobile phone.3. The enabling card as claimed in wherein the transaction comprises a financial transaction and the mobile phone includes an application for capturing secure information to complete the transaction.4. The enabling card as claimed in wherein the secure information comprises encrypted information or authorization that normally resides in a financial card or obtaining a one time encrypted authorization from a financial institution.5. The enabling card as claimed in wherein the means for generating a magnetic field comprises a coil for generating a magnetic field when said coil receives said digital signature from said processor.6. The enabling card as claimed in wherein there are two spaced coils and a Mu-metal strip ...

MULTI-SCHEME PAYMENT INTEGRATED CIRCUIT CARD, PAYMENT SYSTEM, AND PAYMENT METHOD

A system for effecting a financial transaction via multiple payment schemes from a single payment integrated circuit (IC) card is provided. The system comprises a payment IC card compatible with a payment card standard, the payment IC card having one or more selectable presets each identified by an identifying value; a wallet server storing, in association with respective identifying values, user payment scheme accounts of one or more payment schemes; and a vendor payment system configured to facilitate transactions in accordance with the payment card standard, wherein the wallet server is configured to receive an identifying value from the vendor payment system, and further wherein the wallet server is configured to effect a financial transaction with a user payment scheme account stored in association with an identifying value matching the identifying value received from the vendor payment system. 1. A system for effecting a financial transaction , the system comprising:a payment IC card compatible with a payment card standard, the payment IC card having one or more selectable presets each identified by an identifier;a wallet server storing, in association with respective identifying values, user payment scheme accounts of one or more payment schemes; anda vendor payment system configured to facilitate transactions in accordance with the payment card standard and further operable to receive from the payment IC card an identifying value for subsequent transmission to the wallet server, whereinthe wallet server is configured to receive the identifying value from the vendor payment system and effect a financial transaction with a user payment scheme account stored in association with an identifying value matching the identifying value received from the vendor payment system, andthe identifying value is a tag prescribed by the payment standard, the tag selected from the group consisting of: a PAN Sequence Number and an expiry date value.2. A system according to claim ...

DUAL FINGERPRINT SENSOR CREDENTIALING

A credential authorization device having a first fingerprint sensor, configured to detect first sensor data representing one or more elements of a finger from a first person in contact with the first fingerprint sensor; a second fingerprint sensor, configured to detect second sensor data representing one or more elements of a finger from a second person in contact with the second fingerprint sensor; and one or more processors, configured to determine an authorization for a transaction based on an authentication of the first sensor data and the second sensor data. 1. A credential authorization device , comprising:a first fingerprint sensor, configured to detect first sensor data representing one or more elements of a finger from a first person in contact with the first fingerprint sensor;a second fingerprint sensor, configured to detect second sensor data representing one or more elements of a finger from a second person in contact with the second fingerprint sensor; andone or more processors, configured to determine an authorization for a transaction based on an authentication of the first sensor data and the second sensor data.2. The credential authorization device of further comprising a stored first fingerprint profile of an authorized user claim 1 , wherein the one or more processors are further configured to compare the first sensor data to the stored first fingerprint profile claim 1 , and if the comparison of the first sensor data to the stored first fingerprint profile satisfies one or more authorization criteria claim 1 , to designate the second fingerprint profile as an authorized fingerprint profile.3. The credential authorization device of claim 2 , wherein claim 2 , if the comparison of the first sensor data to the stored first fingerprint profile satisfies the one or more authentication criteria claim 2 , the one or more processors are further configured to generate the second fingerprint profile from the second sensor data.4. The credential ...

METHOD, DEVICE AND SYSTEM FOR THE TRANSFER OF DATA

A method and system for transferring encrypted data from a first electronic device to a second electronic device. The method includes the steps of displaying a first encrypted two-dimensional code at the output interface of the first electronic device, reading the first encrypted two-dimensional code with the input interface of the second electronic device, and decrypting the first two-dimensional code with the second electronic device, generating a second encrypted two-dimensional code with the second electronic device, and displaying the second encrypted two-dimensional code on the output interface of the second electronic device, reading the second two-dimensional code encrypted with the input interface of the first electronic device and decrypting the second two-dimensional code with the first electronic device and generating an action on the first electronic device based on the second decrypted two-dimensional code. The second two-dimensional code is a plurality of two-dimensional codes. 1. A method of transferring encrypted data from a first electronic device to a second electronic device , each of the electronic devices comprising at least one I/O interface , a memory and a processor , the method comprising:display at least one first encrypted two-dimensional code on the output interface of the first electronic device;reading the at least one first two-dimensional code encrypted with the input interface of the second electronic device and decrypting the at least one first two-dimensional code with the processor and memory of the second electronic device;generating at least one second encrypted two-dimensional code with the processor and memory of the second electronic device in response to the first decrypted two-dimensional code, and displaying the at least one second encrypted two-dimensional code on the output interface of the second electronic device;reading the at least one second encrypted two-dimensional code with the input interface of the first ...

Electronic License Plate and Method of Use Thereof

An electronic license plate has a digital display covered by a protective glass layer, positioned in a display frame, and electronically connected to a motherboard. A wireless communication device enables control of the contents of the digital display through cellular networks or other wireless communication means. A method of use of the electronic license plate enables displaying and updating relevant license plate information, in addition to GPS tracking, toll payment and parking payment features.

Identification verification system and method

A method and apparatus is provided for verifying the validity of ID cards. A card reading device reads an ID card and transmits a request to a database server. A database is queried and a reply is sent back to the card reading device indicating whether the ID is valid. If desired, the reply can include additional information, such as a description of the ID holder. The ID verification system can be used to help verify whether an ID belongs to the ID holder. The system can also log and timestamp events for future access.

Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality

A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine gift cards. Similarly, a user be provided with a global payment account that can be utilized in multiple countries that have different standards for formatting data. A user may be provided with a default country (e.g., United States) but may have a way to select that the user is in a different country (e.g., Japan). Accordingly, a user may select that a Japanese data structure be transmitted through a magnetic stripe reader when the user is in Japan.

Cards and devices with magnetic emulators for communicating with magnetic stripe readers and applications for the same

A credit card is provided that may include a credit card number, where at least a portion of the credit card number changes periodically. A magnetic emulator and/or magnetic stripe encoder may be provided to communicate at least a portion of the information needed to complete a credit card transaction to a credit card reader. A magnetic stripe emulator may communicate data serially and may comprise a coil having a soft-magnetic material as well as a permanent magnet. Dynamic magnetic information may be utilized to provide a variety of credit, debit, gift, and loyalty cards.

Physical presence digital authentication system

The interactive authentication system allows a consumer to interact with a base station, such as broadcast media (e.g., television and radio) or PC, to receive coupons, special sales offers, and other information with an electronic card. The electronic card can also be used to transmit a signal that can be received by the base station to perform a wide variety of tasks. These tasks can include launching an application, authenticating a user at a website, and completing a sales transaction at a website (e.g., by filling out a form automatically). The interaction between the base station and the electronic card is accomplished by using the conventional sound system in the base station so that a special reader hardware need not be installed to interact with the electronic card. The user is equipped with an electronic card that can receive and transmit data via sound waves. In the various embodiments, the sound waves can be audible or ultrasonic (which can be slightly audible to some groups of people).

Physical presence digital authentication system

The interactive authentication system allows a consumer to interact with a base station, such as broadcast media (e.g., television and radio) or PC, to receive coupons, special sales offers, and other information with an electronic card. The electronic card can also be used to transmit a signal that can be received by the base station to perform a wide variety of tasks. These tasks can include launching an application, authenticating a user at a website, and completing a sales transaction at a website (e.g., by filling out a form automatically). The interaction between the base station and the electronic card is accomplished by using the conventional sound system in the base station so that a special reader hardware need not be installed to interact with the electronic card. The user is equipped with an electronic card that can receive and transmit data via sound waves. In the various embodiments, the sound waves can be audible or ultrasonic (which can be slightly audible to some groups of people).

NFC-based medical care payment system and method

本发明公开了一种基于NFC的医保支付系统，其包括：第一获取模块，用于获取当前支付途径；第一判断模块，用于判断当前支付途径是否为卡片支付；识别判断模块，用于当判定所述当前支付途径是卡片支付时，判断是否识别到NTAG格式的帐号；第二获取模块，用于当识别到NTAG格式的帐号时，获取移动终端的NFC模拟卡的信息；第三判断模块，用于判断NFC模拟卡中的医保账号是否关联在医院的就医系统；扣费模块，用于对医疗保险账户进行扣费；以及提示模块，用于当没有识别到NTAG格式的帐号时提示支付失败，或当判定NFC模拟卡中的医保账号没有关联在就医系统时提示支付失败。同时，还公开了一种基于NFC的医保支付方法。

Payment processing system using virtual merchant network

본 발명은 가상 가맹점 망을 이용한 결제처리 방법 및 시스템과 이를 위한 기록매체에 관한 것으로서, 본 발명에 따른 가상 가맹점 망을 이용한 결제처리 방법은, 소정의 카드 발급수단에서 소정의 결제수단 정보와 고객주소 정보를 포함하는 고객카드를 발급하고, 상기 결제수단 정보와 고객주소 정보를 연계하여 소정의 저장매체에 저장하는 단계와, 소정의 가맹점 단말에서 결제 처리시, 상기 가맹점 단말에서 상기 고객카드로부터 상기 결제수단 정보와 고객주소 정보를 리딩하는 단계와, 상기 가맹점 단말에서 소정의 가상 가맹점 망을 상기 결제수단 정보와 결제금액 정보와 소정의 가맹점 정보 및 상기 고객주소 정보를 적어도 하나 이상 포함하는 결제승인요청 데이터를 전송하면, 소정의 데이터 수신수단에서 상기 결제승인요청 데이터를 수신하는 단계와, 소정의 고객주소 확인수단에서 상기 저장매체(또는 저장매체 운용수단)와 연계하여 상기 결제승인요청 데이터에 포함된 상기 고객주소 정보에 대한 유효성을 확인하는 단계와, 상기 고객주소에 대한 유효성이 확인되면, 소정의 결제수단 확인수단에서 상기 결제승인요청 데이터에 포함된 상기 결제수단 정보에 대한 유효성을 확인하는 단계 및 소정의 결제 처리수단에서 상기 유효성이 확인된 결제수단 정보와 결제금액 정보 및 가맹점 정보를 이용하여 결제승인 처리하는 단계를 포함한다. The present invention relates to a payment processing method and system using a virtual merchant network and a recording medium therefor. The payment processing method using a virtual merchant network according to the present invention includes predetermined payment means information and a customer address in a predetermined card issuing means. Issuing a customer card including the information, and storing the payment means information and the customer address information in a predetermined storage medium, and during the payment processing at a predetermined merchant terminal, the payment from the customer card at the merchant terminal. Reading the means information and the customer address information; and at least one or more payment approval request data including at least one of the payment means information, the payment amount information, the predetermined merchant information, and the customer address information in a predetermined merchant network of the merchant terminal; When the transmission, the predetermined data receiving means receives the payment approval request data Verifying the validity of the customer address information included in the payment approval request data in association with the storage medium (or storage medium operating means) in a predetermined customer address checking means; ...

System and method for password authentication of contactless cards

用于非接触卡验证的系统和方法的示例实施例包括非接触卡和与非接触卡进行数据通信的接收者设备，该非接触卡包括基板、处理器和存储器，其中存储器包含第一小程序和第二小程序，其中第二小程序被配置为经由接口从第一小程序检索一个或多个参数；并且其中第二小程序被配置为将一个或多个参数发送到接收者设备以进行验证。

Electronic wallet

提供具有与可以多次使用的票对应的局部数字署名机构的高效率的电子钱包。票是电子数值目标，由表示数值的数值属性描述部(800)、指定剪票处理的服务控制部(803)和存储对该目标固有的模式键的安全性信息部(804)等构成。这些部分分别由服务提供者进行署名。但是，数值属性描述部的可变属性(802)例如剩余次数利用上述密钥进行署名，该剩余次数在剪票时利用减量的密钥进行署名。

System and Method for Processing Total Amount Limit Loan Data and Program Recording Medium

본 발명은 총액한도 대출 자료 처리 방법 및 시스템과 이를 위한 프로그램 기록매체에 관한 것으로서, 본 발명에 따른 총액한도 대출 자료 처리 방법은, 물품 구매자와 물품 판매자간 결제처리시, 소정의 결제 확인수단에서 상기 결제처리가 소정의 대출금을 이용한 결제처리인지 확인하는 단계와, 상기 물품 구매자와 물품 판매자간 결제처리가 소정의 대출금을 이용한 결제처리인 경우, 소정의 정보 추출수단에서 결제처리에 대응하는 결제처리 전문으로부터 상기 물품 구매자 정보(또는 물품 구매자 카드정보)와 물품 판매자 정보 및 결제대금 정보를 포함하는 결제내역정보 추출하는 단계와, 소정의 정보 확인수단에서 소정의 저장매체(또는 원장D/B)와 연계하여 상기 물품 구매자 및 물품 판매자에 대응하는 물품 구매자 및 판매자 고유 정보-명칭, 사업자등록번호, 주소, 대표자 이름, 종목, 업태 등-를 확인(또는 추출)하는 단계 및 소정의 정보 처리수단에서 상기 확인(또는 추출)된 물품 구매자 및 판매자 고유 정보와 상기 결제내역정보를 포함하는 총액한도 대출지원금 요청정보를 생성하는 단계를 포함한다. The present invention relates to a total limit loan data processing method and system and a program recording medium therefor. The total limit loan data processing method according to the present invention includes the above-mentioned method in a predetermined payment confirmation means during payment processing between an item buyer and an item seller. Checking whether the payment processing is a payment processing using a predetermined loan, and if the payment processing between the buyer of the goods and the seller of the goods is a payment processing using a predetermined loan, a predetermined payment processing message corresponding to the payment processing by a predetermined information extraction means; Extracting payment history information including the goods purchaser information (or goods buyer card information), goods seller information, and payment information from the information, and linking with a predetermined storage medium (or ledger D / B) in a predetermined information checking means; The buyer and seller specific information corresponding to the buyer and the seller of the article-name, Identifying (or extracting) the vendor registration number, address, representative name, item, business status, etc .; and identifying the buyer and seller unique information and the payment history information identified (or extracted) in a predetermined information processing means. Generating the total limit loan ...

Electronic wallet

提供具有与可以多次使用的票对应的局部数字署名机构的高效率的电子钱包。票是电子数值目标,由表示数值的数值属性描述部(800)、指定剪票处理的服务控制部(803)和存储对该目标固有的模式键的安全性信息部(804)等构成。这些部分分别由服务提供者进行署名。但是,数值属性描述部的可变属性(802)例如剩余次数利用上述密钥进行署名,该剩余次数在剪票时利用减量的密钥进行署名。

Method and apparatus for an integrated identity security and payment system

An identity security system ( 10 ) that reduces the likelihood of identity theft and fraud includes a central system ( 12 ) and a portable wireless device ( 15 ). The central system ( 12 ) stores personal data of a party including information regarding one or more payment cards of the party, one or more bank accounts of the party, driver license data of the party, and/or other identification data of the party. The wireless device ( 15 ) electronically connects to the central system ( 12 ). With the present system, using the wireless device ( 15 ), the party can pay for a transaction using the one or more of the payment cards, cause funds to be transferred to or from the bank accounts and/or provide identifying data if necessary.

Identification verification system

A method and apparatus is provided for verifying the validity of ID cards. A card reading device reads an ID card and transmits a request to a database server. A database is queried and a reply is sent back to the card reading device indicating whether the ID is valid. If desired, the reply can include additional information, such as a description of the ID holder. The ID verification system can be used to help verify whether an ID belongs to the ID holder. The system can also log and timestamp events for future access.

Programmable transaction card

A programmable transaction card enables accessing a selected one of a plurality of different accounts with the same or different financial institutions through communication with an authorization center while providing important anti-fraud features. The transaction card includes a keyboard for selecting a desired account and for entering optional identification information for the card. The transaction card generates an account number corresponding to the selected account. The account number, together with the identification information, if entered, is presented in a form which is readable by a reader device but is not discernible by the human eye, e.g., by emulation of a magnetic strip. In an alternative embodiment, an optical reader can be used. Upon reading the account number and the identification information by the (e.g., magnetic) reader device during a transaction, the account number and the identification information are transmitted to the authorization center for verification and access to the selected account.

Smart card pin system, card, and reader

A smart card, smart card reader, and system for secure entry of a secret personal identification number (PIN) directly into the smart card while the card is presented to the reader. Because the user's PIN is entered directly into the smart card, authenticated directly by the smart card itself, and not propagated outside the smart card, the PIN cannot be covertly obtained through the use of a compromised reader or other device in the system. A PIN keypad on the smart card allows user entry of the PIN, and an authentication unit within the smart card verifies that the PIN is correct. The reader merely supplies electrical power for the smart card to take the PIN entry and perform the authentication, but does not handle the PIN itself in any way. The reader, however, is designed to allow access to the keypad on the smart card while the smart card is being presented. The smart card keypad may have identifying indicia, or alternatively may be not visible, so that photographs, logos, etc., placed on the smart card will not be obscured. In this case, the reader has an overlaying surface with the identifying indicia for the keypad. The reader may also have a separate keypad of its own for use with conventional smart cards that lack a keypad.

Identification verification system

A method and apparatus is provided for verifying the validity of ID cards. A card reading device reads an ID card and transmits a request to a database server. A database is queried and a reply is sent back to the card reading device indicating whether the ID is valid. If desired, the reply can include additional information, such as a description of the ID holder. The ID verification system can be used to help verify whether an ID belongs to the ID holder. The system can also log and timestamp events for future access.

Identification verification system

A method and apparatus is provided for verifying the validity of ID cards. A card reading device reads an ID card and transmits a request to a database server. A database is queried and a reply is sent back to the card reading device indicating whether the ID is valid. If desired, the reply can include additional information, such as a description of the ID holder. The ID verification system can be used to help verify whether an ID belongs to the ID holder. The system can also log and timestamp events for future access.

Affiliated Store Card

본 발명은 가맹점 카드와 가맹점 단말 및 기록매체에 관한 것으로서, 본 발명에 따른 가맹점 카드는 소정의 데이터를 입출력하는 입출력 인터페이스와, 소정의 가맹점 단말 고유정보(또는 인증정보, 또는 인증키)를 저장하는 IC칩 상의 메모리와, 소정의 가맹점 단말 부팅시, 상기 가맹점 단말로부터 소정의 가맹점 단말 고유정보(또는 인증정보, 또는 인증키)를 수신하고, 상기 수신된 가맹점 단말 고유정보(또는 인증정보, 또는 인증키)와 상기 메모리에 저장된 가맹점 단말 고유정보(또는 인증정보, 또는 인증키)를 비교하여 상기 가맹점 단말의 동작 개시 유효성을 확인하고, 상기 동작 개시 유효성 승인 결과를 포함하는 소정의 가맹점 단말 인증결과 정보를 상기 가맹점 단말로 전송하는 애플리케이션을 실행하는 프로세서를 구비하여 이루어진다. The present invention relates to a merchant card, a merchant terminal, and a recording medium. The merchant card according to the present invention stores an input / output interface for inputting / outputting predetermined data, and stores specific information (or authentication information, or authentication key) of the merchant terminal. Receiving predetermined merchant terminal unique information (or authentication information or authentication key) from the merchant terminal when the memory on the IC chip and a predetermined merchant terminal boot up, and receiving the received merchant terminal unique information (or authentication information or authentication) Key) and the affiliated store terminal unique information (or authentication information or authentication key) stored in the memory to confirm the operation start validity of the affiliated store terminal, and predetermined merchant terminal authentication result information including the operation start validity approval result. Comprising a processor for executing an application for transmitting to the merchant terminal. 가맹점카드, 가맹점단말 Merchant card, Merchant terminal

Dynamic payment device characteristics

A payment device is disclosed. It includes a memory including payment data; and a display coupled to the memory. A processor is configured to execute one or more instructions for displaying the payment data on the display. The payment device is in the form of a card.

Anonymous electronic card for generating personal coupons useful in commercial and security transactions

An electronic card that can function as an anonymous credit card or banking card for use on or off the Internet utilizes a magnetic storage medium affixed to the card that can be read by a standard magnetic stripe reader. An encoder generates a data packet that is stored in a designated portion of the magnetic storage medium, which can be a magnetic stripe. The data packet can contain a personal coupon and an alias. A computer or microprocessor generates the personal coupon after a Personal Identification Number is input into the card.

Financial transactions with dynamic personal account numbers

A method for securing financial transactions involving payment cards includes associating a sixteen-digit personal account number (PAN) with a particular payment card and user, wherein are included fields for a system number, a bank/product number, a user account number, and a check digit. A four-digit expiration date (MMYY) associated with the PAN. A magnetic stripe on the payment card is encoded with the PAN for periodic reading by a magnetic card reader during a financial transaction. A table of cryptographic values associated with the PAN and the MMYY is stored on each user's payment card during personalization by an issuing bank. A next financial transaction being commenced with the payment card is sensed. A cryptographic value from the table of cryptographic values is selected for inclusion as a dynamic portion of the user account number with the PAN when a next financial transaction is sensed. Any cryptographic value from the table of cryptographic values will not be used again in another financial transaction after being used once. The issuing bank authorizes the next financial transaction only if the PAN includes a correct cryptographic value in the user account number field.

Financial transactions with dynamic card verification values

A payment card comprises an internal dynamic card verification value (CVV) generator and a user display for card-not-present transactions. Card-present transactions with merchant card readers are enabled by a dynamic magnetic array internally associated with the card's magnetic stripe. The user display and a timer are triggered by the user when the user needs to see the card verification value and/or begin a new transaction. A new card verification value is provided for each new transaction according to a cryptographic process, but the timer limits how soon a next new card verification value can be generated.

Credit, security, debit cards and the like with buttons

A card is provided, such as a credit card or security card, that may transmit information to a magnetic stripe reader via a magnetic emulator. The emulator may transmit the information in order to reduce the amount of circuitry needed to emulate a particular block of information. Additionally, for example, one or more buttons may be included on the card. Buttons may be includes, for example, to provide a control interface to navigate through various options of the card. Additionally, coding schemes may be selected via buttons. Furthermore, a card may be locked until a private number is entered into a card or a number may only be generated (e.g., displayed and/or emulated) once a particular private number is entered into a card.

Backup of transaction data

Ein Verfahren auf einem mit einem Endgerät (30) verbundenen portablen Datenträger (10) umfasst die Schritte des Entgegennehmens (S7) von Transaktionsdaten von dem Endgerät (30) und des Weiterleitens (S18) der entgegengenommenen Transaktionsdaten an einen Transaktionsserver (40), wobei der Datenträger (10) eine Referenztransaktionsbestätigung erzeugt (S8) und die entgegengenommenen Transaktionsdaten nur dann an den Transaktionsserver (40) weiterleitet (S18), wenn eine von dem Endgerät entgegengenommene Vergleichstransaktionsbestätigung mit der erzeugten Referenztransaktionsbestätigung übereinstimmt (S17). A method on a portable data carrier (10) connected to a terminal (30) comprises the steps of accepting (S7) transaction data from the terminal (30) and forwarding (S18) the received transaction data to a transaction server (40) Data carrier (10) generates a reference transaction acknowledgment (S8) and forwards the received transaction data only to the transaction server (40) (S18) if a comparison transaction acknowledgment received from the terminal matches the generated reference transaction acknowledgment (S17).

Digital data signing in a chip card comprising an integrated display

The invention relates to a chip card (1) for signing digital data, said chip card comprising a display (3) in which the data to be signed can be represented. The user can trigger the signing process by pressing a confirmation key (6), and the signed data is transmitted to a terminal by means of a communication interface (2).

Securing transaction data

The invention relates to a method performed on a portable data carrier (10) connected to a terminal (30), wherein the method comprises the steps of receiving (S7) transaction data from the terminal (30) and forwarding (S18) the received transaction data to a transaction server (40), wherein the data carrier (10) generates (S8) a reference transaction confirmation and forwards (S18) the received transaction data to the transaction server (40) only if a comparison transaction confirmation received from the terminal matches (S17) the generated reference transaction confirmation.

Digital data signing

Eine zum Signieren von digitalen Daten eingerichtete Chipkarte (1) umfasst eine Anzeige (3), in der die zu signierenden Daten dargestellt werden können. Der Benutzer kann dann durch Drücken einer Bestätigungstaste (6) den Signiervorgang auslösen. Die signierten Daten werden an ein Terminal über eine Kommunikationsschnittstelle (2) übertragen. A chip card (1) set up for signing digital data comprises a display (3) in which the data to be signed can be represented. The user can then trigger the signing process by pressing a confirmation button (6). The signed data is transmitted to a terminal via a communication interface (2).

Hybrid authentication

A hybrid authentication device that has a keypad, a display, an electronic communications interface and a processor and memory that can be removable, such as a Subscriber Identity Module. The device can operate in a stand-alone mode, in which a user enters a personal identification number and challenge using the keypad, and the device generates a response. The device can also function as a smartcard, and can be electronically coupled to an external device using the communications interface.

Token device that generates and displays one-time passwords and that couples to a computer for inputting or receiving data for generating and outputting one-time passwords and other functions

A token device that generates and displays one-time passwords and couples to a computer for inputting or receiving data for generating and outputting one-time passwords and performing other functions is provided. The token includes an interface for coupling to a computer. The token may also be coupled to any network that the computer may be connected to, when coupled to the computer. Data and information may be transmitted between the computer and token, and between the network and token, via the computer and interface. The data and information may include one-time password seeding, file transfer, authentication, configuration and programming of the token. The token must be seeded to generate and display one-time passwords. An original, or seed, value is loaded into the token. One-time passwords are subsequently generated or calculated, or both, from the seed value. Seeding of the token involving a counter, time, or time-related functions, may allow synchronization of the token with such functions. The token may support different authentication methods.

Token device that generates and displays one-time passwords and that couples to a computer for inputting or receiving data for generating and outputting one-time passwords and other functions

A token device that generates and displays one-time passwords and couples to a computer for inputting or receiving data for generating and outputting one-time passwords and performing other functions is provided. The token includes an interface for coupling to a computer. The token may also be coupled to any network that the computer may be connected to, when coupled to the computer. Data and information may be transmitted between the computer and token, and between the network and token, via the computer and interface. The data and information may include one-time password seeding, file transfer, authentication, configuration and programming of the token. The token must be seeded to generate and display one-time passwords. An original, or seed, value is loaded into the token. One-time passwords are subsequently generated or calculated, or both, from the seed value. Seeding of the token involving a counter, time, or time-related functions, may allow synchronization of the token with such functions. The token may support different authentication methods.

Portable electronic charge and authorization devices and methods therefor

一种便携式交易装置，它允许用户面对电子交易系统的一个付费卡终端进行付费卡交易。所述付费卡终端被这样配置：为了进行所述付费卡交易的目的而跟一张付费卡进行通信。付费卡是磁条卡和电子智能卡二者当中的一种，便携式交易装置包括一张仿真卡，它具有仿真卡接口。该仿真卡接口对所述付费卡的接口进行仿真。付费卡的接口便于在付费卡以及付费卡终端之间进行通信。还包括一个便携式仿真卡配置装置，它被安排跟所述仿真卡配合使用，上述装置又包括一个存储器，它被配置去存储属于该用户的第1付费卡的第1付费卡数据，以及一种验证机制。便携式仿真卡配置装置被配置成这样：若该用户通过所述验证机制已被验证，则将第1付费卡数据从存储器写入到仿真卡中去，由此允许所述仿真卡通过所述仿真卡接口而出现，经过写入之后，并且为了进行所述交易的目的，像所述第1付费卡与所述付费卡终端(的关系)那样，并且使付费卡终端从仿真卡读入第1付费卡数据，以便进行付费卡交易。

IC Card

본 발명은 아이씨 카드 및 아이씨 카드 운영 시스템에 관한 것으로서, 본 발명에 따른 아이씨 카드는, 제1카드 정보와 상기 제1카드를 이용하여 소정의 금액이 충전되는 제2카드 정보를 제1카드 저장영역 및 제2카드 저장영역으로 각각 분리하여 저장하는 메모리와, 소정의 단말과 연계하여, 상기 제1카드 저장영역에 저장된 제1카드 정보를 이용하여 상기 제2카드 저장영역에 저장된 제2카드의 충전금액을 충전하는 애플리케이션을 실행하는 프로세서를 구비한다. The present invention relates to an IC card and an IC card operating system. An IC card according to the present invention includes first card information and second card information in which a predetermined amount of money is charged using the first card. And a memory configured to separately store the second card storage area and the second card stored in the second card storage area by using the first card information stored in the first card storage area in association with a predetermined terminal. And a processor for executing an application for charging an amount of money. 아이씨 카드, 운영, 고리 IC Card Operating Collar

Account information determines method, apparatus and server

本发明公开一种账户信息确定方法、装置及服务器，所述账户信息确定方法包括：在所述交易系统中获取与目标银行卡发生过交易的第一账户集合，所述目标银行卡为未签约到所述交易系统中的银行卡；获得与所述第一账户集合中的账户发生过交易的第二账户集合；根据所述第一账户集合以及所述第二账户集合，确定所述交易系统中与所述目标银行卡对应的目标账户信息。

Device for control of safe access

FIELD: gambling games, automatic bank equipment, restricted access regions. SUBSTANCE: device has key node unit which has memory units storing identification data and image data. Interface provides communication between key node unit and access control unit, which has unit for data processing, interface units, memory units which store data, and identity testing unit. Data processing unit is controlled by central processor and has memory units for data storage. User interface unit has input units and image indicators. Identity testing unit runs comparison of real visual user identification and image data which are located in key node unit. EFFECT: possibility of visual identification of user, design of operation system for multiple game machines. 21 cl, 14 dwg СЕСТЬ ПЧ Го РОССИЙСКОЕ АГЕНТСТВО ПО ПАТЕНТАМ И ТОВАРНЫМ ЗНАКАМ (19) (51) МПК ВИ” 2 121 162‘ 13) СЛ С 06 Е 17/60//С 06 Е 157:00, С 06 К 5/00 12) ОПИСАНИЕ ИЗОБРЕТЕНИЯ К ПАТЕНТУ РОССИЙСКОЙ ФЕДЕРАЦИИ (21), (22) Заявка: 95113962/06, 05.11.1993 (30) Приоритет: 05.11.1992 АЦ РЕ 5700 (46) Дата публикации: 27.10.1998 (56) Ссылки: ЦЗ 4764664 А, 16.08.88. Ц$ 4733061 А, 22.03.88. Ц$ 4727246 А, 23.03.88. Ц$ 4125924 А, 16.02.88. 4$ 4675516 А, 23.01.87. КУ 2003174 СЛ, 15.01.93. КУ 2022366 СЛ, 30.10.94. АЦ 32,115/78 ВЛ, 11.09.80. АЧ 865 172/82 В, 10.07.86. АЦ 25946184 В, 21.02.85. АЦ 34504189 В, 01.08.91. (71) Заявитель: Комс 21 Лимитед (АО) (72) Изобретатель: Грин Грэм Аллан (АЦ) (73) Патентообладатель: Комс 21 Лимитед (АЦ) (54) СИСТЕМА УПРАВЛЕНИЯ БЕЗОПАСНЫМ ДОСТУПОМ (57) Реферат: Система предназначена для использования в игорных заведениях, автоматических банковских автоматах, в зонах с ограниченным доступом лиц. Технический результат достигается за счет проведения визуальной проверки идентичности пользователя и создания операционной системы для множества игровых автоматов. Система управления безопасным доступом содержит узел ключа со средствами ранения данных идентификации и данных изображения. Интерфейс обеспечивает связь ...

Electric paper display Write

一种在媒质上书写的书写设备，其包括无源电子纸显示器和存储介质。所述书写设备包括：至少读取存储介质的第一部件；和第二部件，其在第二部件和媒质之间的相对移动期间至少书写到电子纸显示器。

Physical presence digital authentication system

The interactive authentication system allows a consumer to interact with a base station, such as broadcast media (e.g., television and radio) or PC, to receive coupons, special sales offers, and other information with an electronic card. The electronic card can also be used to transmit a signal that can be received by the base station to perform a wide variety of tasks. These tasks can include launching an application, authenticating a user at a website, and completing a sales transaction at a website (e.g., by filling out a form automatically). The interaction between the base station and the electronic card is accomplished by using the conventional sound system in the base station so that a special reader hardware need not be installed to interact with the electronic card. The user is equipped with an electronic card that can receive and transmit data via sound waves. In the various embodiments, the sound waves can be audible or ultrasonic (which can be slightly audible to some groups of people).

Transfer platform, transfer-in or transfer-out acceptance mechanism, computer storage medium and execution method

本发明提供一种转账平台，所述平台包括：第一接收装置，用于从转出受理机构接收转账请求，所述转账请求包括转入方信息以及转账金额，所述转入方信息包含转入方手机号；查找装置，用于根据所述转入方手机号，查找与所述转入方手机号关联的支付设备号；以及第一发送装置，用于向与所述支付设备号对应的转入受理机构发送转账通知以便通知转入方收款，所述转账通知包括所述支付设备号以及所述转账金额。本发明还提供了一种转出受理机构、计算机存储介质及执行方法。

A credit card distribute system and a method thereof using a PDA

이 발명은 신용 카드사 서버로부터 신용 카드의 배송 정보를 입력받아 정보단말기를 이용하여 배송을 하고, 배송 완료 정보를 상기 신용 카드사 서버로 송신하는 정보단말기를 이용한 신용 카드 배송 시스템 및 방법에 관한 것으로서, 배송 제어부가 상기 신용 카드사 서버로부터 통신부를 통해 배송정보를 수신하여 배송지에 대응하는 정보단말기를 데이터베이스부에서 검색하고, 해당 정보단말기로 상기 배송 정보를 송신하고, 상기 정보단말기를 가진 배송 직원이 신용 카드를 배송한다. 배송이 완료된 후 정보단말기가 카드 수령자로부터 확인 받은 배송 확인서 정보와 시간정보를 결합하여 배송 제어부로 송신하면, 배송 제어부가 배송 확인서 정보에서 필요 정보를 추출하여 수령증의 본인 수취여부에 따라 결과를 분리하여 상기 신용 카드사 서버로 송신한다. 이렇게 함으로써, 카드의 배송 속도가 빨라지고, 관리가 효율화되며, 배송 비용이 절감된다. The present invention relates to a credit card delivery system and method using an information terminal for receiving delivery information of a credit card from a credit card company server for delivery using an information terminal and transmitting the delivery completion information to the credit card company server. The control unit receives the delivery information from the credit card company server through the communication unit, retrieves the information terminal corresponding to the delivery address in the database unit, and transmits the delivery information to the information terminal, the delivery staff having the information terminal to receive the credit card Ship it. After the delivery is completed, if the information terminal combines the delivery confirmation information and time information confirmed by the card receiver and sends it to the delivery control unit, the delivery control unit extracts the necessary information from the delivery confirmation information and separates the result according to whether or not the receipt is received. Send to the credit card company server. This speeds up the delivery of the card, improves management, and reduces the delivery cost. 네크워크, 신용카드, 정보 추출, PDA, SMS Network, Credit Card, Information Extraction, PDA, SMS

Intelligent card and accounting system using the intelligent card

本发明的目的是提供一种高功能智能卡，该智能卡可以防止更换脸部相片等伪造行为，从而可以确保该卡的安全，并且该卡可以显示脸部相片以外的图像。具有显示器件和多个薄膜集成电路的智能卡，该卡用多个薄膜集成电路控制显示器件的驱动，用于显示器件以及多个薄膜集成电路的半导体元件由多晶半导体膜形成，多个薄膜集成电路被层叠，显示器件和多个薄膜显示器件被搭载到同一个印刷线路板上，智能卡的厚度在0.05mm－1mm的范围内。

Method for estimating a quantity of a blood component in a fluid receiver and corresponding error

A method and system for communicating estimated blood loss parameters of a patient to a user, the method comprising: receiving data representative of an image, of a fluid receiver; automatically detecting a region within the image associated with a volume of fluid received at the fluid receiver, the volume of fluid including a blood component; calculating an estimated amount of the blood component present in the volume of fluid based upon a color parameter represented in the region, and determining a bias error associated with the estimated amount of the blood component; updating an analysis of an aggregate amount of the blood component and an aggregate bias error associated with blood loss of the patient, based upon the estimated amount of the blood component and the bias error; and providing information from the analysis of the aggregate amount of the blood component and the aggregate bias error, to the user.

Account information determination method and device and server

本发明公开一种账户信息确定方法、装置及服务器，所述账户信息确定方法包括：在所述交易系统中获取与目标银行卡发生过交易的第一账户集合，所述目标银行卡为未签约到所述交易系统中的银行卡；获得与所述第一账户集合中的账户发生过交易的第二账户集合；根据所述第一账户集合以及所述第二账户集合，确定所述交易系统中与所述目标银行卡对应的目标账户信息。

Payment system, electronic device and payment method thereof

본 발명의 다양한 실시 예에 따른 전자 장치는, 사용자 명령을 입력받는 입력 모듈, 외부 장치와 통신하는 통신 모듈 및 사용자로부터 금융 서비스가 요청되면 결제 서버로 금융 서비스와 관련된 토큰을 요청하고, 결제 서버로부터 토큰 및 금융 서비스와 관련된 서비스 정보가 수신되면 토큰 및 서비스 정보를 이용하여 금융 서비스를 제공하기 위한 데이터를 생성하도록 설정된 제어 모듈을 포함할 수 있다. 또한, 다른 실시 예도 가능하다. An electronic device according to various embodiments of the present disclosure, when a financial service is requested from an input module that receives a user command, a communication module that communicates with an external device, and a user, requests a token related to the financial service to a payment server, and receives a token related to the financial service from the payment server. When service information related to tokens and financial services is received, a control module configured to generate data for providing financial services using the tokens and service information may be included. Also, other embodiments are possible.

Fingerprint information encryption and decryption method based on IC card

本发明涉及指纹信息加密技术领域，具体是一种基于IC卡的指纹信息加密和解密方法，加密时，POS机从采集到的指纹信息中提取指纹特征数据，再以明文形式传给IC卡，IC卡再将该数据填充为指纹信息明文模板，并以IC卡芯片序列号为密钥对指纹信息明文模板进行加密生成密文模板存于卡中，POS再机根据芯片序列号向IC卡发放身份认证码存于IC卡中；解密时，POS机向IC卡发送身份确认请求，IC卡将身份认证码发送给POS机，POS机认证身份认证码的合法性，若该身份认证码合法，POS机再获取芯片序列号；用户再录入指纹，POS机提取特征数据，并与芯片序列号加密后发送给IC卡；IC卡用芯片序列号分别对密文模板和加密数据解密，IC卡对解密后的数据进行卡内匹配并返回解密结果。

Portable medium

내용 없음. No content.

Methods of exchanging secure messages

The invention enables a registered PEAD user to exchange a secure message with another registered PEAD user by using the user ID and the user public key information in the server. The sender can retrieve the public key information from the server 1201 using the receiver's user ID as an index; then the sender can derive the shared secret using the receiver's public key. The sender then can encrypt the message with the shared secret and send it over to a server with the other PEAD user's (receiver's) ID appended with the sender's user ID over the wireless network and/or Internet. The server then stores the message and forwards the message to the receiver once the receiver's PEAD is polling for messages. (It is understood in the art that the server can push the messages to the receiver's PEAD). The receiving PEAD user can use the sender's PEAD user ID and sender's public key information to derive the shared secret to decrypt a received secure message. Once a shared secret is computed or established by protocol between two users, that shared secret can be saved in the PEAD for future communication encryption/decryption usage.

Magnetic stripe-emulator transaction card

(57)【要約】本公報は電子出願前の出願データであるた め要約のデータは記録されません。

Payment card and methods

One variation of a payment card includes: a sheet comprising first and second icons; a transducer configured to output a voltage in response to an impulse on the sheet; a wireless communication module; a first input region adjacent the first icon; a second input region adjacent the second icon; a magnetic stripe emulator; and a processor configured to transition from a passive state to an active state in response a voltage output from the transducer, to receive a first magnetic sequence command associated with a first payment method and a second magnetic sequence command associated with a second payment method, to assign the first payment method to the first input region and the second payment method to the second input region, to receive a selection for the second payment method from the second input region, and to control the magnetic stripe emulator according to the second magnetic sequence command.

Intelligent card

PERSONAL IDENTIFICATION SYSTEM USING AN INTEGRATED CIRCUIT CARD

PLUSIEURS INFORMATIONS D'IDENTIFICATION SONT EMMAGASINEES A L'AVANCE DANS UN DISPOSITIF DE MEMOIRE 26, 29. UNE INFORMATION D'IDENTIFICATION SPECIFIQUE EMMAGASINEE DANS LA MEMOIRE 29 EST COMPAREE AVEC UNE INFORMATION D'IDENTIFICATION NIP INTRODUITE PAR LE POSSESSEUR DE LA CARTE A CIRCUIT INTEGRE. SI LA COMPARAISON REVELE UNE NON-COINCIDENCE ENTRE LES INFORMATIONS COMPAREES, LE POSSESSEUR DE LA CARTE INTRODUIT UN AUTRE ELEMENT D'INFORMATION D'IDENTIFICATION. CETTE INFORMATION EST COMPAREE AVEC LA DONNEE D'IDENTIFICATION CORRESPONDANTE PREEMMAGASINEE DANS LA MEMOIRE 26. S'IL Y A COINCIDENCE, IL EST ALORS DETERMINE QUE LE PORTEUR DE LA CARTE A CIRCUIT INTEGRE EN EST LE LEGITIME PROPRIETAIRE. SEVERAL IDENTIFICATION INFORMATION IS STORED IN ADVANCE IN A MEMORY DEVICE 26, 29. SPECIFIC IDENTIFICATION INFORMATION STORED IN MEMORY 29 IS COMPARED WITH PIN ID INFORMATION INTRODUCED BY THE POSTER OF THE INTEGRATED CIRCUIT CARD . IF THE COMPARISON REVEALS A NON-COINCIDENCE BETWEEN THE COMPARED INFORMATION, THE CARD OWNER INTRODUCES ANOTHER ELEMENT OF IDENTIFICATION INFORMATION. THIS INFORMATION IS COMPARED WITH THE CORRESPONDING PRE-STORED IDENTIFICATION DATA IN MEMORY 26. IT IS THEREFORE DETERMINED THAT THE HOLDER OF THE INTEGRATED CIRCUIT CARD IS THE LEGITIMATE OWNER.