БАНКОВСКАЯ КАРТА С ОТОБРАЖАЮЩИМ ЭКРАНОМ

Изобретение относится к банковским картам. Технический результат - осуществление защищенной транзакции. Карта с микросхемой для защищенной транзакции, содержит, по меньшей мере, одну защищенную микросхему, оснащенную коммуникационным интерфейсом для сообщения с устройством считывания карты с целью осуществления транзакции, и дополнительно содержит: электронный отображающий экран, автономную батарею, схему считывания карты, связанную с коммуникационным интерфейсом защищенной микросхемы для получения доступа к данным, содержащимся в защищенной микросхеме, с целью их выведения на отображающий экран, при этом схема считывания карты размещена на подложке в корпусе карты путем ламинирования. 10 з.п. ф-лы, 3 ил.

УСТРОЙСТВО СЧИТЫВАНИЯ ПАПИЛЛЯРНЫХ ЛИНИЙ И СОЗДАНИЯ, ПРЕОБРАЗОВАНИЯ, ХРАНЕНИЯ И ПЕРЕДАЧИ КОНФИДЕНЦИАЛЬНОЙ ИНФОРМАЦИИ И СПОСОБ ЕГО ИСПОЛЬЗОВАНИЯ

Изобретение относится к считыванию и передаче изображений папиллярных линий (ПЛ). Его использование позволяет повысить технологичность и функциональную гибкость устройства и надежность его функционирования. Устройство содержит интерфейс во встроенной энергонезависимой памяти интегрированной в неразъемную микросхему с микропроцессором (НММ), систему считывания ПЛ. Технический результат достигается за счёт того, что введен генератор случайных чисел и дополнительная энергонезависимая память. В устройстве реализуются алгоритмы шифрования и дешифрования, получения изображения ПЛ, оцифровки ПЛ, создания паспорта ПЛ, идентификации ПЛ, передачи полученного изображения через канал интерфейса, получения ключа из генератора случайных чисел, получения ключа по каналу интерфейса, открытия-закрытия канала интерфейса по команде микропроцессора, в памяти хранят паспорта биометрической информации, наборы ключей, таблицы соответствия паспорт-ключ, пользовательскую информацию категории "защищенная". НММ выполнена ...

ТАКТИРУЕМАЯ ИНТЕГРАЛЬНАЯ ПОЛУПРОВОДНИКОВАЯ СХЕМА И СПОСОБ ПРИВЕДЕНИЯ ЕЕ В ДЕЙСТВИЕ

Изобретение относится к интегральным полупроводниковым схемам, приводимым в действие как параллельно, так и последовательно. Техническим результатом является предотвращение возможности получения информации о типе протекающих процессов путем подсчета пиков тока. Для этого вывод для выдачи тактового сигнала (Clint) через соответственно управляемое средство переключения (МР1, МР2, МР3, МР4) связано с тактовым входом соответствующих схемных блоков (S1, S2, S3, HS), и управляющие входы средств переключения (МР1, МР2, МР3, МР4) связаны с выходом генератора (ZSG) случайного сигнала, так что работа соответствующего схемного блока (S1, S2, S3, HS) осуществляется параллельно или последовательно с одним или несколькими другими схемными блоками (S1, S2, S3, HS) в соответствии со случайными сигналами. 3 с. и 7 з.п.ф-лы, 5 ил.

ЭЛЕКТРОННАЯ КРЕДИТНАЯ КАРТОЧКА

Электронная кредитная карточка (ЭКК) представляет собой электронное устройство, которое способно производить передачу/прием данных и/или цифровой информации в главный компьютер или из него через терминальную станцию (ТС). ТС включает в себя банковские автоматы самообслуживания в супермаркетах/торговых центрах, электронные банковские автоматы самообслуживания (ЭБАС), устройства ЭПСТТ и собственные устройства приемопередатчиков, разработанные с помощью креативных диалоговых технологий, ограниченных для интерфейса ПК (персональных компьютеров). Это обеспечивает самую последнюю финансовую информацию, включая текущие счета, на их дисплее. Малые клавиатуры приспособлены для введения ПИН (персонального идентификационного номера) так, чтобы ЭКК становилась действующей. Информационный дисплей (2), включающий в себя экран ЖКД (жидкокристаллического дисплея) или другие экраны дисплеев, обеспечивает визуальную информацию. Ключ (3) "ВВОД" подтверждает торговую операцию. Он также используется для активизации ...

НОСИТЕЛЬ ДАННЫХ С ИНТЕГРАЛЬНОЙ СХЕМОЙ

Изобретение относится к носителю данных по меньшей мере с двумя расположенными одна над другой на некотором его участке интегральными схемами, по меньшей мере одна из которых может осуществлять обмен данными через элементы связи с внешними устройствами. Технический результат заключается в максимальном упрощении обмена информацией между интегральными схемами за счет предусмотренных средств, обеспечивающих такой обмен информацией между ними путем негальванической, бесконтактной связи. 3 с. и 20 з.п.ф-лы, 13 ил.

ПЕРЕДАЧА ЛИЦЕНЗИИ НА ПРОГРАММНОЕ ОБЕСПЕЧЕНИЕ ДЛЯ ЭЛЕМЕНТА АППАРАТНОГО ОБЕСПЕЧЕНИЯ

... 1. Компонент на интегральной схеме, содержащий процессорное средство для обработки информации внутри этого компонента на интегральной схеме; первое средство хранения данных для хранения уникальной пары ключей шифрования, цифрового сертификата, предназначенного для аутентификации, и открытого ключа шифрования изготовителя компонента на интегральной схеме, причем упомянутое первое средство хранения данных связано с упомянутым процессорным средством; второе средство хранения данных для хранения упомянутой информации, обработанной процессорным средством, причем второе средство хранения данных связано с процессорным средством; средство для генерирования упомянутой уникальной пары ключей шифрования, связанное с процессорным средством, и средство интерфейса для обеспечения информационного обмена между упомянутым компонентом на интегральной схеме и вторым компонентом на интегральной схеме, при этом средство интерфейса связано с процессорным средством. 2. Компонент на интегральной схеме по п.1, ...

Устройство для защиты от незаконного чтения или записи RFID-меток

Изобретение относится к области защиты от незаконного чтения RFID-меток. Технический результат заключается в повышении уровня защиты от незаконного чтения или записи RFID-меток. Технический результат достигается за счет устройства для защиты от незаконного чтения или записи RFID-меток, которое выполнено в виде многослойной конструкции, в виде пластиковой карты, включающей лицевой и оборотный внешние слои, выполненные из поливинилхлорида. Лицевой и оборотный внешние слои могут содержать один или несколько слоев поливинилхлорида. Между лицевым и оборотным внешними слоями расположен металлический экранирующий слой, представляющий собой тонкий слой проводящего материала, выполненного из металла. Причем для герметизации экранирующего слоя внешние слои карты между собой герметично зафиксированы, путем спекания под давлением в термопрессе. 2 н.п. ф-лы, 3 ил.

МОДУЛЬ АВТОРИЗАЦИИ С ЭЛЕКТРОННЫМ КЛЮЧОМ-КАРТОЙ

Изобретение относится к средствам для авторизации пользователей в системах контроля доступа. Техническим результатом является упрощение конструкции карты и устройства ее считывания, а также исключение возможности считывания информации с карты за счет электромагнитного излучения, образующегося в процессе передачи информации от карты. Модуль авторизации с электронным ключом-картой имеет электронный ключ-карту, при этом электронный ключ-карта имеет отверстие в карте, а электронный ключ имеет форму цилиндра с торцами из электропроводного материала, и средства крепления электронного ключа в отверстии карты; форма входного окна во внешнем металлическом корпусе и окна во внутренней оболочке соответствует форме сечения в месте расположения электронного ключа-карты плоскостью, проходящей через центр электронного ключа; во внутренней оболочке около выходного отверстия закреплено, по меньшей мере, два контакта, взаимодействующие с торцами электронного ключа, соединенного с выводами микросхемы; выводы ...

ЗАЩИЩЕННАЯ ОТ МАНИПУЛИРОВАНИЯ ИНТЕГРАЛЬНАЯ СХЕМА

... 1. Интегральная схема, содержащая первую плоскость, в которой выполнена схема с защищаемой информацией, а также, по меньшей мере, одну вторую плоскость, которая закрывает первую плоскость с той стороны, с которой первая плоскость имеет доступ снаружи интегральной схемы, и в которой выполнен соединенная, по меньшей мере, с одним источником (1) тока сеть (2) со множеством узлов (3), отличающаяся тем, что, по меньшей мере, одна часть узлов соединена со средствами (4) для сравнения заданного и фактического значений передаваемых соответствующими узлами токов, сеть (2) выполнена так, что при ее питании входным током, по меньшей мере, из одного источника (1) тока, в каждом узле, связанном со средствами (4) для сравнения заданного и фактического значений, может быть снят характеристический выходной ток, при этом средства (4) для сравнения заданного и фактического значений выполнены так, что отклонение от характеристического выходного тока соответствующего узла вызывает изменение информации, хранящейся ...

ДВУСТОРОНЯЯ КЛАВИША С СЕНСОРНОЙ ФУНКЦИЕЙ

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 ...

БЕЗОПАСНАЯ ИДЕНТИФИКАЦИЯ ИСПОЛНЯЕМОГО ФАЙЛА ДЛЯ ОПРЕДЕЛЯЮЩЕГО ДОВЕРИЕ ЛОГИЧЕСКОГО ОБЪЕКТА

... 1. Способ получения ресурса от поставщика ресурса (ПР) для запросчика ресурса (ЗР), функционирующего на вычислительном устройстве, при этом ЗР имеет связанный с ним идентифицирующий описатель (ИО), причем ИО включает в себя информацию, имеющую отношение к безопасности, задающую окружение, в котором ЗР функционирует, при этом способ содержит этапы, на которых загружают ЗР в вычислительное устройство; загружают ИО, соответствующий ЗР, в вычислительное устройство; обеспечивают ЗР ссылкой на загруженный ИО; вычисляют идентификационный код (кода-ИД), соответствующий загруженному ЗР и загруженному ИО и основывающийся на загруженном ЗР и загруженном ИО; принимают запрос от ЗР на ресурс; удостоверяются в том, что запрашивающий ЗР имеет права на ресурс и что этот ресурс должен быть ему доверен; пересылают упомянутый запрос от ЗР к ПР, при этом пересланный запрос включает в себя вычисленный код-ИД для запрашивающего ЗР, ИО для запрашивающего ЗР и определение ресурса, запрошенного ЗР, причем ПР удостоверяется ...

ПОРТАТИВНЫЙ НОСИТЕЛЬ ДАННЫХ, ВНЕШНЕЕ УСТРОЙСТВО, СИСТЕМА И СПОСОБЫ ДЛЯ БЕСПРОВОДНОЙ ПЕРЕДАЧИ ДАННЫХ

... 1. Портативный носитель (10) данных, содержащий память (12) носителя для хранения данных, содержащих биометрический шаблон (13) и специализированную функцию (15), а также коммуникационное средство (11) носителя для бесконтактного приема и передачи данных, отличающийся тем, что дополнительно содержит процессорное средство (16) носителя для сравнения биометрического шаблона с биометрическим образцом (23), принятым из внешнего устройства (20), и тем, что он выполнен с возможностью осуществления процесса квитирования с внешним устройством, а также выполнения специализированной функции и передачи ее результата внешнему устройству только в том случае, если биометрический образец совпадает с биометрическим шаблоном. 2. Портативный носитель (10) данных по п.1, отличающийсятем, что специализированная функция (15) представляет собой извлечение из памяти (12) носителя хранящейся в ней специализированной информации (14), причем упомянутый результат содержит эту специализированную информацию. 3. Портативный ...

Störimpuls-Detektionsschaltung und intelligente Karte

Störimpuls-Detektionsschaltung für einen integrierten Schaltungschip mit einem ersten Spannungsteiler (522), einem zweiten Spannungsteiler (524) und einem dritten Spannungsteiler (526), die jeweils wenigstens zwei Widerstände (R12, R11, R22, R21, R32, R31) umfassen, die in Reihe zwischen einer Betriebsspannung (VDD) und Masse (GND) eingeschleift sind, einem ersten Spannungskomparator (542) mit einem ersten Eingangsanschluss (COMPIN1), der mit einem ersten Knoten (S1) zwischen den beiden Widerständen (R12, R11) des ersten Spannungsteilers (522) gekoppelt ist, um eine erste Knotenspannung (V1) zu empfangen, und mit einem zweiten Eingangsanschluss (COMPIN2), der mit einem zweiten Knoten (S2) zwischen den beiden Widerständen (R22, R21) des zweiten Spannungsteilers (524) gekoppelt ist, um eine zweite Knotenspannung (V2) zu empfangen, wobei der erste Spannungskomparator (542) ein erstes Vergleichssignal am Ausgangsanschluss (COMPOUT1) in Abhängigkeit von der Spannungsdifferenz (V2 V1) zwischen ...

Kontaktlose Chipkarte mit Transponderspule

Mikroprozessor, insbesondere zur Verwendung in einer Chipkarte, mit einer Steuerungseinheit und mit einem die Steuerungseinheit umgebenden Gehäuse

This invention concerns a microprocessor with a control unit and a housing surrounding the control unit, as well as a chip card with such a microprocessor. Up until now, a significant weakness of the chip card systems has been that the microprocessor in the chip card which is surrounded by a housing, can be exposed for purposes of manipulation. Therefore, this invention aims to make a microprocessor and chip card available which are protected against manipulation. The invention achieves this task by providing the area of the housing of the microprocessor with at least one sensor which is linked to the control unit and indicates its environmental state. The control unit is constructed so that it can be set at an inactive state, if the sensor sends it one and/or no test signal which indicates a preset environmental state.

VERFAHREN UND SCHALTUNG ZUR VERSCHLUESSELUNG UND AUTHENTISIERUNG VON SPEICHERKARTEN

Datenverarbeitungssystem

Verfahren und Vorrichtung zur Authentifizierung unter Verwendung eines Null-Kenntnis-Protokolls

Kartenartiges Speichermedium und Ausgabeapparat für kartenartiges Speichermedium

Tragbares elektronisches Gerät

Datenaufzeichnungsgerät mit multifunktionalem Datenträger

Verfahren und Vorrichtung zum Schreiben von einer Information auf einen Datenträger, mit Möglichkeit zur Bestätigung der Originalität dieser Information

Plastikkarte

In ein Informationsverarbeitungsgerät einführbarer Speichermodul und Verwendung eines solchen Speichermoduls in einem Informationsverarbeitungsgerät.

VERFAHREN UND VORRICHTUNG ZUR VEREINFACHUNG DES GEBRAUCHS EINER VIELZAHL VON KREDITKARTEN U. DGL.

SD-Karten-Behälter

Einlage (2) für einen Behälter zum Lagern von Speicherkarten (12), umfassend: – einen Einlagekörper (4) mit einer Grundseite (6) und einer der Grundseite (6) gegenüberliegenden Deckseite (8), und – eine sich von der Deckseite (8) in den Einlagekörper (4) in Richtung der Grundseite (6) hinein erstreckende Aufnahmeaussparung (10) zur Aufnahme der Speicherkarte (12), die eine der Deckseite (8) gegenüberliegende Bodenseite (14) und eine sich zwischen der Deckseite (8) und der Bodenseite (14) erstreckende Wand (16) aufweist.

Tragbares elektronisches Gerät und Verfahren zur Datenverarbeitung dafür

Prüfobjekt mit zeitfensterbezogener Antwortfunktion

Die Erfindung betrifft ein Verfahren zum Nachweis der Integrität eines physischen Objektes, umfassend:- Bereitstellung (202) eines Prüfobjektes (100), das dazu ausgebildet ist, eine Antwortfunktion (122, 130, 136) zu verwenden um eine Antwort zu erzeugen, wobei die Antwortfunktion vom internen Zustand des Prüfobjekts zum Zeitpunkt des Erhalts der Anfrage abhängt, wobei der interne Zustand und die Antwortfunktion durch Prüfobjekt-externe Objekte (150, 502) nicht vorhergesagt werden können;- Vorhersagen (204) eines ersten internen Zustands (101) des Prüfobjekts innerhalb eines ersten künftigen Zeitfensters (t1) und Vorhersage einer ersten Antwortfunktion (122) für das erste künftige Zeitfenster;- Ausgabe (206) der vorhergesagte ersten Antwortfunktion an ein Prüfgerät.

BETRUGSSICHERE VERPACKUNG

Sicherheitsbauteil mit Folienanordnung

Es wird ein Sicherheitsbauteil 1 und eine Tastatur mit einem erfindungsgemäßen Sicherheitsbauteil 1 vorgestellt. Das Sicherheitsbauteil 1 weist ein gegen Manipulationen zu schützendes Bauelement 5 und eine Folie 3 mit einem ersten Bereich 23 und einem zweiten Bereich 9 auf. Die Folie 3 weist elektrisch leitfähige Strukturen 7 an einem Trägermaterial 11 auf. Die Folie 3 ist dabei derart ausgestaltet und an dem Bauelement 5 angeordnet, dass bei einem Versuch, die Folie 3 zu entfernen, die leitenden Strukturen 7 an vorgegebenen Sollbruchstellen im zweiten Bereich 9 der Folie 3 unwiederbringlich getrennt werden.

Portable data carrier e.g. smartcard, personalization method, involves storing personalization data determined from personalization signal, and transmitting signal from single signal source simultaneously to several data carriers

The method involves transmitting a personalization signal to a portable data carrier. Personalization data is determined from the transmitted personalization signal. The determined personalization data is stored in an integrated circuit of the portable data carrier. The same personalization signal is transmitted from a single signal source simultaneously to several portable data carriers. A predetermined time interval is awaited after the transmission of the personalization data. An independent claim is also included for a device for personalization of a portable data carrier.

Code carrier device i.e. luggage code carrier device, for attachment at handgrip of cargo formed as suitcase, has code carrier unit for supporting code, where unit comprises memory unit and transmission unit to enable sending of code

The device (16) has a code carrier unit for supporting a code detected by an optical code detecting unit (20) e.g. bar code reader. The code carrier unit comprises a memory unit for storing the code and a transmission unit to enable optical sending of the code. The code detecting unit is designed as a portable unit, and receives an optical signal (22) emitted by the device. The transmission unit comprises a light source e.g. laser, for producing the code and a control unit for controlling transferring of the optical signal. Independent claims are also included for the following: (1) a piece of luggage at a storage space (2) a system comprising a code carrier device.

DATENTRÄGERVORRICHTUNG MIT DATENBUS DEREN ENERGIEVERBRAUCH UNABHÄNGIG IST VON DEN ÜBER DEN DATENBUS GESENDETEN DATEN

VERFAHREN ZUM ERZEUGEN EINES MIT EINEM INTEGRIERTEN SCHALTKREIS VERSEHENEN VERSCHLÜSSELUNGSSCHLÜSSELS

Portable data carrier e.g. smart card, for e.g. identification purpose, has blocking functionality irreversibly activatable by blocking event and provided for selective blockage of write accesses on electrically erasable programmable ROM

The carrier e.g. smart card (2), has a blocking functionality (9) irreversibly activatable by a blocking event and provided for the selective blockage of write accesses on an electrically erasable programmable ROM (7), to allow the write accesses to fulfill a given exception and avoid prevention of read accesses by the blockage. The blocking functionality is activatable by a holder and an access provider, where correct input of secret information, and successful authentication are necessary for the activation of the blocking functionality. Independent claims are also included for the following: (1) an operating system for a portable data carrier (2) a method for operating a portable data carrier.

Schutzschild für elektronische Informationen

Das Schutzschild für elektronische Informationen, ( Nr.2) dadurch gekennzeichnet, dass eine Metalllegierung in einem Träger sichtbar oder unsichtbar eingebettet ist. ( Nr.4 und Nr.2) ...

Schaltungsanordnung zum Liefern eines Speisestromes

Beschrieben wird eine Schaltungsanordnung zum Liefern eines Speisestromes für eine elektronische Schaltung aus einer Versorgungsspannungsquelle, mit einer steuerbaren Stromquellenanordnung, die zum Liefern eines ersten und eines zweiten vorbestimmten Konstantstromes umsteuerbar ist, wobei der zweite Konstantstrom größer ist als der erste Konstantstrom, und deren Eingang mit der Versorgungsspannungsquelle und deren Ausgang mit einem Energiespeicherelement und der elektronischen Schaltung verbunden ist, mit einer ersten Referenzspannungsquelle zum Bereitstellen einer ersten und einer dieser gegenüber größeren zweiten Referenzspannung sowie mit einer Vergleichsanordnung zum Vergleichen einer an der elektronischen Schaltung und dem Energiespeicherelement durch Zufuhr des Speisestromes hervorgerufenen Speisespannung mit der ersten und der zweiten Referenzspannung und zum Umsteuern der Stromquellenanordnung auf den ersten Konstantstrom, wenn die Speisespannung die zweite Referenzspannung überschreitet ...

VERFAHREN ZUR KODIERUNG UND VERFÜGBARKEIT EINER CHIPKARTE.

ZUSATZSICHERHEITSMERKMAL FÜR CHIPKARTEN

Chipkarte

The invention concerns a chip card having a semiconductor chip comprising at least one memory (1), contacts (20) being provided for the chip power supply and for bidirectional data transmission from and to the chip and means being provided for contactless data transmission (2). Disposed on the chip is a controllable switching device (9) which connects the memory (1) to the contacts (20) or to the means for contactless data transmission (2) in dependence on the state of the output signal from a logic circuit (8) connected at least to the voltage-supply contact (21). The chip card is characterized in that the switching device (9) adopts a rest position when it is not controlled and in this rest position connects the memory (1) to the means for contactless data transmission (2) and, under the control of the logic circuit (8), connects the contacts (20) to the memory (1) only when there is a voltage (VDD) at the voltage-supply contact (21).

Laufzeitmessung

Bei einem Verfahren zwischen einer Transpondereinheit (20) und einem Lesegerät (10) veranlasst (S2) das Lesegerät die Transpondereinheit zum Durchführen einer vorgegebenen Berechnung. In der Transpondereinheit wird die vorgegebene Berechnung durchgeführt (S3), wobei der Transpondereinheit zum Durchführen der vorgegebenen Berechnung Energie gemäß einem ersten Wert zur Verfügung steht. Es wird eine erste Bearbeitungszeit (t1) bestimmt (T2, T5, T6), welche die Transpondereinheit zum Durchführen der vorgegebenen Berechnung benötigt hat. Die Schritte des Durchführens (S7) der vorgegebenen Berechnung und des Bestimmens einer Bearbeitungszeit, der zweiten Bearbeitungszeit (t2), werden wiederholt, wobei der Transpondereinheit zum erneuten Durchführen der vorgegebenen Berechnung Energie gemäß einem zweiten, von dem ersten Wert verschiedenen Wert zur Verfügung steht. Schließlich werden die erste und die zweite Bearbeitungszeit ausgewertet (S9).

VERFAHREN ZUM SCHUTZ VOR ENERGIEANALYSE- ODER ELEKTROMAGNETISCHEN STRAHLUNGSANALYSEATTACKEN

Protection against misuse of chip cards involves first user function enabling user to supply optionally selected private personal number when data and/or functions are used for first time

The method involves providing access protection to data and/or functions on the chip card with a private personal number. The card has a first user function enabling the user to supply an optionally selected private personal number when the data and/or functions are used for the first time. Entry of this number sets the data and/or functions into a used state.

Verfahren zur Sicherung eines Datenspeichers

Es wird ein Verfahren zur Sicherung eines Sicherheitsdatenspeichers beschrieben, bei dem eine äußere Einwirkung auf ein Bauteil, welches den Sicherheitsdatenspeicher enthält, von Sensoren detektiert wird. Durch Überschreiten eines Schwellenwerts an einem der Sensoren wird ein Angriff signalisiert, aufgrund dessen der Inhalt des Sicherheitsdatenspeichers zumindest teilweise gelöscht wird. Der Zustand der Sensoren wird permanent überwacht und die Zustandsdaten der Sensoren werden aufgezeichnet.

BEGLAUBIGUNGSVERFAHREN FÜR EINEN VERDRAHTETEN MIKROSCHALTKREIS

Halbleiterschaltungsanordnung mit biometrischem Sensor und Auswerteeinheit

The invention relates to a semiconductor circuit arrangement (2) comprising a biometric sensor (3) and an evaluation unit (4) which is used to evaluate information provided by said sensor (3). The semiconductor circuit arrangement (2) consists of at least one first upper semiconductor circuit layer (5) and at least one other semiconductor circuit layer (6) arranged thereunder. Semiconductor circuit elements of the first semiconductor circuit layer (5) are connected to semiconductor circuit elements of the other semiconductor circuit layer (6) in an electrically conductive manner. The first semiconductor circuit layer (5) forms the biometric sensor (3) and the evaluation unit (4) is disposed in the other semiconductor circuit layer (6). The invention further relates to a portable data carrier arrangement (1) comprising one such semiconductor circuit arrangement (2).

Chipkarte mit Gebrauchsanzeige und Anordnung dafür

DATENTRÄGER AUSGESTATTET MIT DATENVERARBEITUNGSMÖGLICHKEITEN UND LAUFENDEN SPITZENMUSTER-UNTERDRÜCKUNGSMÖGLICHKEITEN

Verfahren zur Identifikation gefälschter Zigaretten oder Zigarren

Verfahren zur Erfassung gefälschter Zigaretten oder Zigarren mittels Radio Frequency Identification Systemen (RFID-Systeme), wobei Verpackungen von Zigaretten oder Zigarren mit einem RFID-Tag versehen werden, durch welchen Daten über Eigenschaften der Zigaretten oder Zigarren drahtlos auf ein Lesegerät übertragbar und anzeigbar sind, wobei alle Zigaretten oder Zigarren, welche einem Hersteller und/oder einer Handelsmarke zugeordnet sind, mit Tabak wenigstens einer bestimmten, genetisch modifizierten und mittels einer DNS-Analyse identifizierbaren Tabaksorte versehen werden und das RFID-Tag mit kodierten Daten wenigstens über die genetisch modifizierte Tabaksorte versehen wird.

HYBRID-DATENTRÄGER UND SCHALTUNG MIT VERBESSERTEM UMSCHALTUNGSMODUS

Sicherheitselement mit maschinenlesbarem Echtheitsmerkmal

Die Erfindung betrifft ein Sicherheitselement für Sicherheitspapiere, Wertdokumente, Chipkarten und dergleichen mit einem maschinenlesbaren Echtheitsmerkmal. Erfindungsgemäß enthält das Echtheitsmerkmal zumindest einen Bereich mit einem periodischen leitfähigen Flächenelement (42), welches in einem vorbestimmten Frequenzbereich einfallender elektromagnetischer Strahlung Resonanzeffekte zeigt.

SYSTEM UND VERFAHREN FÜR EINE MEHRZWECKCHIPKARTE DIE EINE NACHTRÄGLICHE SPEICHERUNG EINER ANWENDUNG AUF DIESER KARTE ERMÖGLICHT

Speicherkarte mit Kopierschutzeinrichtung

Storage medium e.g. processor smart card, for use in e.g. mobile telephone, has integrated memory for storing pair of long duration keys assigned to user of medium and additional key material produced from integrated controller

The medium e.g. processor smart card (1), has an integrated memory (13) for storing a pair of long duration keys assigned to a user of the medium and an additional key material produced from an integrated controller e.g. micro controller (2). The additional key material exhibits a validity period, which is smaller than the validity period of the pair of long duration keys, where the additional key material is a symmetrical key. The medium is accessible by using an identification phrase. An independent claim is also included for a method for producing a key material.

Securing digital data on data medium involves encrypting data using externally inaccessible secret value, writing data to non-volatile memory in mobile device, decoding encrypted data and feeding it to computer for further use

The method involves encoding the data produced by a computer (6) using a cryptographic technique. It involves feeding the data to be secured via a connector (4) of a mobile device (2) to a crypto-unit (12) in the mobile device, encrypting the data using an externally inaccessible secret value, writing the data to non-volatile memory (10) in the mobile device and decoding the encrypted data and feeding it to the computer for further use. An independent claim is also included for a device for securing digital data on a data medium.

INVARIABLE UND VARIABLE DRUCKZEICHEN TRAGENDES SICHERHEITSDOKUMENT UND HERSTELLUNGSVERFAHREN

Alarmerkennung

Ein Verfahren und eine Vorrichtung zum Erkennen eines Alarmszenarios in einer Chipkarte. Das Verfahren umfasst das Erfassen einer Abweichung einer Eigenschaft und das Bestimmen, ob die Abweichung ein Ergebnis eines Alarmszenarios ist.

Gegen Kopieren geschützte Chipkarte und Verfahren im Zusammenhang mit deren Herstellung

Eine gegen Kopieren geschützte Chipkarte (CC) mit einem Datenspeicher (DS) zur Speicherung von Daten, die zumindest in einem Teilbereich (SB) des Datenspeichers gegen eine Veränderung durch Anwender oder Angreifer außerhalb einer privilegierten Gruppe geschützt sind. Angehörige dieser Gruppe können einmalig ein für diese Chipkarte individuelles Kennzeichen (HW-ID) in diesen geschützten Speicherbereich (SB) und eine digitale Signatur (D-SIG) dieses Kennzeichens (HW-ID) in einen beliebigen Speicherbereich des Datenspeichers schreiben. Die digitale Signatur (D-SIG) kann mit Hilfe eines geheimen Schlüssels (S-KEY) erzeugt werden, zu dem ein zugehöriger öffentlicher Schlüssel (P-KEY) existiert, mit dem geprüft werden kann, ob die digitale SignatKEY) aus dem individuellen Kennzeichen (HW-ID) erzeugt wurde.

System und Verfahren zur sicheren Eingabe einer PIN

Die Erfindung bezieht sich auf ein System und ein Verfahren zur sicheren Eingabe einer PIN auf einem Chipkartenleser ohne eigenes Display, der mit einem Computersystem verbunden ist. Nach dem Anfordern einer PIN-Eingabe durch eine Anwendung informiert der Chipkartenleser ein PIN-Eingabeprogramm auf dem Computersystem, das den Benutzer durch den Vorgang der PIN-Eingabe führt.

Method for controlling the random mode operation of an integrated circuit, especially a chip card, such that a third party will not be able to determine the duration of different processes associated with encryption and decryption

Method has the following steps: production of a genetic random number and a random number for the duration of an operation, with the genetic number determining the reaction time of the of the interval value and the duration value determining the reaction time to the interval value each time a card is used.

Chip card with separate control units for contact-based and wireless data transmission paths together with a shared memory unit, with the appropriate control unit used according to the data transmission mode

Portable data carrier, especially a chip card, has contacts (3) for data transfer via a contact data path and an antenna (4) for wireless data transfer. The data carrier has a first control unit (5) that is in contact with the connection contacts and a second control unit (6) that is in contact with the antenna. Both control units use a common memory (7). An Independent claim is made for a method for carrying out data transfer from a portable data carrier, whereby data transfer is controlled by separate control units according to whether contact-based or wireless transmission is used.

Chip card module has detection device, with power supply, for detecting unauthorized access to module region including memory for secret information, with any such attempt causing deletion of the information

Chip module (2) for a chip card has a memory (5) for storage of secret information. The module also has a detection device (6) for monitoring a region (8) of the module to detect any unauthorized access attempt and to cause the deletion of the secret information if such an attempt occurs. The module also has a power source (7) for supply of the detection device. An Independent claim is also included for a corresponding chip card.

Wireless communication device and electronic apparatus

A wireless communication device includes an antenna (aerial), 101, with an antenna pattern, an integrated circuit (IC), 102, and a magnetic sheet, 105, covering 90% or more of the antenna. The magnetic sheet shields the antenna from the effects of metal material in the apparatus, such that the resonant frequency of the wireless communication device has a deviation from a target resonant frequency that falls within a range of -1.720% to +4.334%. The device may be mounted to a housing with concave or hollowed out areas (figure 7B, 703 or to a housing with convex or protruding members (figure 8C, 803). The device may also be mounted using holes in the substrate, 104, on which the antenna is mounted (figure 9C, 903). The wireless communication device may be a near field communication (NFC) device. The wireless communication device may be installed within an electronic device such as a mobile phone or an image capturing apparatus (e.g. a camera).

SEMICONDUCTOR MEMORY UNIT

Security key system

A security key system adapted to preventing illegal copying of softwares. A CD-ROM is sold with a plurality of LC resonance tags 1 being stuck to a CD case 23 of the CD-ROM as means for generating check digits at the time of installation. Waves reflected by the LC resonance tags are detected by placing the CD case 23 on a reflected wave scanner 11 connected to a personal computer 21. The reflected wave scanner 11 sends check digits corresponding to the waves reflected by the LC resonance tags 1 to the personal computer 21. The installer in the personal computer 21 executes the instillation after having confined the ID key data of the CD-ROM and the check digits. After the instillation, the LC resonance tag 1 on the CD case 23 is peeled off or the sticking position is changed according to the message, and the installer confirms a change in the reflected wave to complete the instillation.

Smart-card chip with organic semiconductor surface layer for detecting invasive attack

A smart-card chip arrangement comprises: a smart-card chip (148); an organic semiconductor layer (166, 168, 170, 172) disposed on a surface of the chip, and at least one transistor (150, 152, 154, 156) formed in the organic semiconductor layer. The at least one transistor is configured so as to enable an invasive attack on the chip to be detected.

MEMORY CARDS

Secure transfer of applications and/or data onto a chipcard

Secure loading of different applications onto a chipcard (IC card) which has already been issued. The chipcard has a memory with a file structure comprising a plurality of subdomains. A terminal sends at least one command to the chipcard which can be a CREATE_FILE command, shown, to create new files and new file directories in the existing file structure, or a command to read and/or write data to the memory. The use of the command is limited to particular subdomains by means of an identifier allocated to the command, where the identifier comprises identification data containing information on the file directories in which the command can be used. Alternatively, if several commands are to be certified for a particular subdomain, an identifier can be allocated to the subdomain (fig. 3). Security codes such as cryptographic keys or passwords can similarly be limited to particular subdomains.

Tamper respondent covering

The present invention relates to a tamper respondent covering wherein the covering is adapted for mounting on a surface having at least one item disposed thereon, said tamper respondent covering comprising a covering member defining a recess, and at least one non-metallic detecting element having an electrical characteristic disposed on said covering member, wherein said covering member is adapted for mounting on the surface and covering and protecting said at least one item on the surface such that damage to said at least non-metallic detecting element results in a detectable variation to said electrical characteristic.

Smart Card Web Server (SCWS) administration within a plurality of security domains

The invention relates to a method for remotely managing content on a web server, the web server being hosted in a storage device within an architecture consisting of a plurality of security domains and the web server being managed though a plurality of administrative agents, each agent using one or more corresponding administrative protocols, the method including securing the administrative protocol processed by each administrative agent by a cryptographic keyset containing at least one key and preventing any given administrative agent from using the keys of any other agent. The web server may be a Smart Card Web Server (SCWS). The security domains may be implemented in accordance with Global Platform specifications and the administrative protocol may be an OMA (Open Mobile Alliance) Full Administrative Protocol or Lightweight Administrative Protocol. The managed content may include executable applications accessible at one or more URLs, and at least one of the executable applications may ...

A radio frequency identification tag with means sensitive to light for controlling communication between rfid tag and reader

A Radio Frequency Identification (RFID) tag has an electronic identification circuit coupled to an antenna, wherein the RFID tag is arranged to communicate with a RFID tag reader via the antenna, using RF energy. The tag comprises means sensitive to light (such as a photodiode, phototransistor, photocell or a solar cell) for controlling (in particular inhibiting) communication between the RFID tag reader and the RFID tag. The tag can for example be embedded in or on a high-value object such as a banknote. The existence of the banknote cannot be detected e.g. by criminals in the absence of light (e.g. while the banknote is located in a wallet), but the authenticity of the banknote can be verified in legitimate use.

Security wrap with tearable substrate

An electronic device 10 (figure 1) is protected from unauthorized access by use of a security wrap 20 having a security screen 26 which may be connected to an alarm circuit of the electronic device. The security screen has a pair of screen terminals 48 interconnected by a conductor 46. The conductor 46 is formed on a tearable substrate 22 such as paper. The electronic device may be a chip mounted on a point of sale device such as a credit card reader so that data held on the chip is protected. The substrate is arranged such that attempts to remove the security wrap will result in the substrate being torn and the conductor being damaged or broken whereby the resistance of the conductive path formed by the conductor changes to indicate an alarm condition. The substrate and conductor are adhered to electronic device to be protected. The substrate may have weakened areas to promote tearing of the substrate. A further security screen may be formed at least partially overlapping the first security ...

Secure mailing envelope and method for manufacturing envelope

Recording device

Preventing unauthorised access to a contact-lens smart card

Computing device with an embedded microprocessor or micro-controller

Wireless transmission tag, product fitted with such a tag, communication system including such a tag and communication method for such a system

DATA PROCESSING SYSTEM WHICH PROTECTS THE SECRECY OF CONFIDENTIAL DATA

Improvements in systems for keeping account of predetermined homogeneous units

A system for keeping account of predetermined homogeneous units by means of an article such as a card, carrying information which may be the amount of a credit balance, and an external device for operating on the information. In general, the balance on the card is initially validated. Thereafter, the balance is irrevocably drawn upon as desired until a zero balance is reached. In order to avoid a single large expenditure to validate the card, and at the same time to minimize the possibility of fraud, a memory in the card has a plurality of zones which are individually validatable. A separate validating field in the memory has validating bits corresponding to individual memory zones. The validity field is accessible by the external device only, and is protected by a coded key embodied in the card. To make the system usable for recording other than whole numbers of units, one of the zones may have a plurality of sub-zones. One of the sub-zones may be allocated to multiples or sub-multiples ...

SYSTEMS FOR STORING AND TRANSFERRING DATA

Smart identification document

Secure biometric verification of identity.

A method and system for securing data on a financial transaction instrument

A portable data storage device.

A portable data storage device (10)includes a universal serial bus (usb)coupling device (1)and an interface device (2)is coupled to the usb coupling device (1). The portable data storage device (10)also includes a memory control device (3)and a non volatile solid-state memory device (4). The memory control device (3)is coupled betweem the interface device (2)and the memory device (4)to control the flow of data from the memory device (4)to the usb coupling device (1) ...

Secure biometric verification of identity

Smart identification document

A method and system for securing data on a financial transaction instrument

Process and device for simplifying the use of a plurality of credit cards and the like.

A method and system for securing data on a financial transaction instrument

Secure biometric verification of identity

A portable data storage device

Secure biometric verification of identity

A method and system for securing data on a financial transaction instrument

A portable data storage device

Smart identification document

CORD LOTS COMMUNICATION UNIT

SECURE INTEGRATED CIRCUIT WITH PARTS WITH CONFIDENTIAL CONDITION AND PROCEDURES FOR YOUR ENTERPRISE

Multi-mode rfid tag architecture

A multi-mode RFID tag includes a power generating and signal detection module, a baseband processing module, a transmit section, a configurable coupling circuit, and an antenna section. In near field mode, the configurable coupling circuit is operable to couple the transmit section to a coil or inductor in the configurable coupling circuit to transmit an outbound transmit signal using electromagnetic or inductive coupling to an RFID reader. In far field mode, the configurable coupling circuit is operable to couple the transmit section to the antenna section, and the multi-mode RFID tag then utilizes a back-scattering RF technology to transmit the outbound transmit signal to RFID readers.

Method, portable data carrier, and system for enabling a transaction

A method, portable data carrier ( 1 ) and system for releasing a transaction using acceleration sensors ( 4, 5, 6 ) and a structure ( 8 ) on the data carrier ( 1 ).

Rfid tag

An RFID tag includes: an antenna receiving an RF signal from a reader; an AFE (analog front end) generating voltage using the RF signal; and one or more switches interposed between the antenna and the AFE and controlling the connection between the antenna and the AFE through the switch operation.

Chip card device

A chip card device includes: a first insulative substrate; a chip unit disposed on an inner side of the first insulative substrate; a first conductive wiring disposed on the inner side of the first insulative substrate, and including a first chip-connecting end that is electrically connected to the chip unit, and a first open circuit terminal opposite to the first chip-connecting end; and a second conductive wiring disposed on the inner side of the first insulative substrate and including a second chip-connecting end that is electrically connected to the chip unit, and a second open circuit terminal that is opposite to the second chip-connecting end, and that can be electrically connected to the first open circuit terminal through an external touching member.

System and method for binding a smartcard and a smartcard reader

Systems and methods for binding a smartcard and a smartcard reader are provided. A smartcard is provision to store a first set of credentials for use in traditional transactions such as at a brick and mortar retail store and a second set of credentials for use when performing a transaction using a smartcard reader associated with a user such as an on-line transaction. The user smartcard reader registers with a smartcard issuer server by cryptographically authenticating a secure processor associated with the smartcard reader. As a result of the registration, the secure processor obtains a set of private keys associated with the second set of credentials. When a request for a authorizing a transaction via the user's smartcard reader is received, the smartcard reader cryptographically authenticates itself to the smartcard using a private key associated with a credential to be used to authorize the transaction.

Transponder, method and reader for monitoring access to application data in the transponder

A transponder for wirelessly receiving external data and for monitoring access to application data, the transponder including: a data storage storing application data; a data storage control region; and a data storage access controller configured to store, in the data storage control region, data indicative of an access to the application data stored in the data storage, when the application data was accessed based on the external data. Further, a method and a reader for monitoring access to application data stored in a transponder are described.

Communication device and semiconductor chip

A device includes a first substrate that has a first antenna having a first loop and second loop that form loop shapes viewed in a planar projection; and a second substrate that has a second antenna having a third loop and fourth loop that form loop shapes viewed in the planar projection. The first substrate and the second substrate are disposed so that the first antenna and the second antenna face each other. At least when the first substrate and the second substrate operate, the first antenna and the second antenna are in a state that the first antenna and the second antenna are capable of being magnetically coupled.

Countermeasure method and device for protecting data circulating in an electronic microcircuit

The disclosure relates to a countermeasure method in an electronic microcircuit, comprising successive process phases executed by a circuit of the microcircuit, and adjusting a power supply voltage between power supply and ground terminals of the circuit, as a function of a random value generated for the process phase, at each process phase executed by the circuit.

System and method for encrypted smart card pin entry

A smart card, system, and method for securely authorizing a user or user device using the smart card is provided. The smart card is configured to provide, upon initialization or a request for authentication, a public key to the user input device such that the PIN or password entered by the user is encrypted before transmission to the smart card via a smart card reader. The smart card then decrypts the PIN or password to authorize the user. Preferably, the smart card is configured to provide both a public key and a nonce to the user input device, which then encrypts a concatenation or other combination of the nonce and the user-input PIN or password before transmission to the smart card. The smart card reader thus never receives a copy of the PIN or password in the clear, allowing the smart card to be used with untrusted smart card readers.

Dynamic Card Verification Value

As described herein, a card services provider dynamically generates a card verification value (CVV) for a transaction card and sends the dynamically-generated CVV to a cardholder. The card services provider generates the dynamically-generated CVV such that the dynamically-generated CVV is substantially unpredictable based on other dynamically-generated CVVs for the transaction card. The dynamically-generated CVV is only valid for a limited period of time and/or for a limited number of economic transactions. The cardholder uses the dynamically-generated CVV as part of an economic transaction with a merchant. Because the dynamically-generated CVV is only valid for a limited number of economic transactions and/or for a limited period of time, it may be difficult for a thief to repeatedly use the transaction card to make economic transactions.

Creditcard shield

A card shielding kit having a first shield and second shield adapted for surroundingly protecting information on a personal card carried in a cardholder. The first and second shields creating a shielded area to sandwich shield the personal card to prevent unauthorized access or erasure of such information. The kit may be used as an aftermarket product for adapting to a user's existing or new cardholder to protect the information from unauthorized access and may be moved to a different cardholder for reuse.

SMART CARD WITH PRODUCT SUBSTANTIATION SYSTEM AND METHOD

A system and method is presented for using smart cards to provide promotions to consumers. Data on the card is combined with an approved product list, such as that provided in WIC embodiments, to provide both promotional details and track usage by the user. 1. A method of distributing promotions to a user comprising:a) providing a smart card to a user, the smart card having the ability to track and modify quantities for different types of promotions, with each promotion identified by a promotion identifier;b) providing a first list of promotions to a point of sale device, the first list of promotions identifying for each promotion the promotion identifier and the products that are part of the promotion;c) at a point of sale, determining if a product is listed in the first list of promotions and if quantities for the promotion remain on the smart card; and i) providing a promotional discount to a purchaser, the promotional discount being selected from a set of discounts comprising a percentage discount, a dollar discount, and a buy-one-get-one-free discount, and', 'ii) decrementing the quantity on the smart card., 'd) when the product is listed in the first list of promotions,'}2. The method of claim 1 , wherein the quantities are measured in monetary units.3. The method of claim 1 , wherein the quantities are measured in units of products.4. The method of claim 1 , further comprising the step of providing a second list of promotions that replaces the first list of promotions. The present application claims the benefit of U.S. Provisional Application No. 61/475,993, filed Apr. 15, 2011.The present application relates to the field of smart cards. More particularly, the described embodiments relate to a system and method in which smart cards designed for use in implementation of WIC (Women, Infants & Children) programs are further used in the implementation of promotional offers.The present invention involves a new processing technique for smart cards. The preferred ...

System and Method for an Electronic Gift Key

A system and method facilitating delivery of a fully-integrated physical item providing access to non-physical content is presented. The method includes enabling access to an electronic greeting card, exclusive content, promotion, and/or store credit from a remote system after a gift key is linked to a local system. The system includes a local system and a gift key facilitating access to an electronic greeting card, exclusive content, promotion, and/or store credit after linkage between the local system and the gift key. The gift key includes a decorative cover with bar code, an integrated circuit, and an antenna or physical connector. The local system is a personal, laptop or handheld computer, a mobile phone, a smartphone, a tablet computer, or a Smart TV. A gift key could be disposed along a box, a bag, a ribbon, an envelope, or a gift wrapping or configured as a sticker with an adhesive backing 1. A method of use for a gift key comprising the step of:enabling access via a local system to an electronic greeting card, an exclusive content, or a promotion from a remote system after said gift key is linked to said local system, said local system and said remote system communicable via a network, said gift key including a decorative cover with a bar code thereon, an integrated circuit and an antenna or a physical interface, said integrated circuit and said antenna or said integrated circuit and said physical interface disposed on said decorative cover, said antenna or said physical interface communicable with said integrated circuit, said integrated circuit linkable to said local system via said antenna or said physical interface, said bar code optically linkable to said local system.2. The method of claim 1 , further comprising the step of:customizing said electronic greeting card by a purchaser.3. The method of claim 1 , further comprising the step of:viewing said electronic greeting card by a recipient or a purchaser.4. The method of claim 1 , further comprising ...

SCALABLE RFID SYSTEMS: A PRIVACY-PRESERVING PROTOCOL WITH CONSTANT-TIME IDENTIFICATION

A protocol with constant-time complexity solves the problem of private identification of tags in low-cost, large-scale radio frequency identification (RFID) systems—assuming that an adversary has complete control over the communication channel. Each RFID tag has an internal counter, c, and is preloaded with a unique pseudonym, ψ, and a secret key, k. A RFID reader attempting to identify and authenticate a tag within its range generates and transmits a random nonce to the RFID tag, which returns a first hash of its current pseudonym and counter, and a second hash that is a function of the secret key. The reader uses the returned data to identify the RFID tag and its secret key by reference to a database and returns other hash values that authenticate the reader to the RFID tag. The most expensive operation that RFID tags are required to perform is a hash function. 1. (canceled)2. A method for performing radio frequency identification (RFID) tag identification , comprising:generating a random nonce;communicating the random nonce to an unidentified RFID tag; (i) a first hash value that is a function of a number of different tag identification elements; and,', '(ii) a second hash value that is a function of a number of different key authentication elements;, 'receiving in response to communicating the random nonce to the unidentified RFID tagaccessing a storage element to attempt to identify the unidentified RFID tag in a list of RFID tags based on the first hash value; andif successful in identifying the unidentified RFID tag, authenticating the unidentified RFID tag based on the second hash value.3. The method of claim 2 , wherein the tag identification elements include a unique pseudonym provided at the unidentified RFID tag and a current value of an internal counter provided at the unidentified RFID tag.4. The method of claim 3 , wherein accessing a storage element to attempt to identify the unidentified RFID tag includes comparing the first hash value to a ...

Method of Implementing and Operating and a Read/Write Unit for a System with Multiple Contactlessly Readable Transponders

A method for implementing and operating, and a read/write unit for use in, a system that includes multiple contactlessly readable transponders each in having a unique identification number. The read/write unit is connected to an industrial control device of the system and, in a recognition phase, a first of the transponders is detected by the read/write unit. At the start of a holding phase, the identification number of the detected first transponder is stored in a holding register of the read/write unit. Then, during the holding phase, other detected transponders are ignored by the read/write unit. The identification number of the first of the detected transponders is thereafter deleted from the holding register to terminate the holding phase so that it is possible to communicate reliably with a unique transponder even over a relatively long time period without process disturbances arising from the presence of other transponders in the area of the read/write unit. 1. A method for operating a read/write unit in a system that includes a plurality of contactlessly readable transponders , each of the plurality of transponders having a unique identification number , comprising the steps of:connecting the read/write unit to an industrial control device;detecting by the read/write unit, during a recognition phase, a first transponder of the plurality of transponders;storing, at a start of a holding phase, the unique identification number of the detected first transponder in a holding register of the read/write unit, and ignoring by the read/write unit other transponders of the plurality of transponders during the holding phase; anddeleting from the holding register the unique identification number of the detected first transponder of the plurality of transponders to terminate the holding phase.2. The method as claimed in claim 1 , further comprising the step of:increasing, by the read/write unit during the holding phase, a transmitted power from a minimum to a maximum in ...

Dynamic Payment Card

Disclosed are various embodiments for the creation of a payment card that is programmable by a user in order to access one or more accounts from multiple financial institutions and/or other institutions. The payment card includes an account selection application that facilitates selection of one of the transaction accounts associated with the payment card. A processor circuit then determines a code that corresponds with the respective one of the transaction accounts and facilitates the embodiment of the corresponding code to a dynamic magnetic strip located on the payment card.

Multi-mode rfid tag architecture

A multi-mode RFID tag includes a power generating and signal detection module, a baseband processing module, a transmit section, a configurable coupling circuit, and an antenna section. In near field mode, the configurable coupling circuit is operable to couple the transmit section to a coil or inductor in the configurable coupling circuit to transmit an outbound transmit signal using electromagnetic or inductive coupling to an RFID reader. In far field mode, the configurable coupling circuit is operable to couple the transmit section to the antenna section, and the multi-mode RFID tag then utilizes a back-scattering RF technology to transmit the outbound transmit signal to RFID readers.

ACTIVE CIRCUIT FOR RFID

An RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card or SIM card. Enhancement circuits enhance the usable read and write distance of the RFID card. 1. A memory card comprising:a smartcard controller coupled to receive power from a host device;an amplifier to receive a signal from a receive antenna when the receive antenna is inductively coupled to another device, the amplifier providing a simplex communication path from the receive antenna to a contactless interface on the smartcard controller; anda transmit circuit to receive outgoing data from the contactless interface and to drive a transmit antenna.2. The memory card of wherein the transmit antenna and receive antenna are one antenna.3. The memory card of wherein the transmit antenna and receive antenna are affixed to the memory card.4. The memory card of wherein the transmit antenna and receive antenna are external to the memory card claim 1 , the memory card comprising contacts to couple to the transmit antenna and receive antenna.5. The memory card of further comprising an extraction circuit coupled between the contactless interface and the transmit circuit to extract and provide outgoing data to the transmit circuit.6. The memory card of wherein the smartcard controller includes a pad coupled to the transmit circuit to output data.7. The memory card of wherein the memory card comprises a microSD card.8. A subscriber identity module (SIM) card comprising:a smartcard controller coupled to receive power from a host device;an amplifier to receive a signal from a receive antenna when the receive antenna is inductively coupled to another device, the amplifier providing a simplex communication path from the receive antenna to a contactless interface on the dual interface smartcard controller; anda ...

Authentication of a terminal by an electromagnetic transponder

A method of authentication of a terminal generating a magnetic field by a transponder including an oscillating circuit from which a D.C. voltage is generated, wherein at least one quantity depending on the coupling between the transponder and the terminal is compared with at least one reference value.

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. 14-. (canceled)5. A device , comprising:a communications device; anda first button operable to communicate payment data via the communications device, the payment data associated with a plurality of payment methods.6. The device of claim 5 , wherein the payment data includes a plurality of payment information bundles.7. The device of claim 5 , wherein the payment data includes a plurality of payment information bundles claim 5 , andthe communications device is operable to serially communicate the plurality of payment information bundles.8. The device of claim 5 , wherein the payment data includes a plurality of payment information bundles claim 5 ,each of the payment information bundles is associated with a different payment method, andthe communications device is operable to serially communicate the plurality of payment information bundles.9. The device of claim 5 , wherein the first button is operable to communicate data indicative of a split order.10. The device of claim 5 , wherein the first button is operable to communicate data indicative of a split order in at least one discretionary field of payment information.11. The device of claim 5 , wherein the payment data includes a plurality of payment information bundles claim 5 ,each of the payment information bundles is associated with a different payment method,split order information is included in the discretionary fields of each of the plurality payment information bundles, andthe communications device is operable to serially communicate the plurality of payment information bundles.12. The device of claim 5 , wherein the payment ...

INTERFACE IC AND MEMORY CARD INCLUDING THE SAME

A memory card includes a memory that stores data, a driver that transmits the data received from the memory, and at least one transmitter that transmits the data received from the driver to a receiver provided in an external main unit. The driver and the at least one transmitter are provided in a single IC (integrated circuit) chip and are not overlapped with each other in a planar view. 1. A memory card comprising:a memory that stores data;a driver that transmits the data received from the memory; andat least one transmitter that transmits the data received from the driver to a receiver provided in an external main unit,wherein the driver and the at least one transmitter are provided in a single IC (integrated circuit) chip and are not overlapped with each other in a planar view.2. The memory card according to claim 1 , wherein the at least one transmitter comprises a coil.3. The memory card according to claim 1 , wherein the at least one transmitter comprises a plurality of transmitters.4. The memory card according to claim 3 , wherein the plurality of transmitters transmit the data to the receiver alternately.5. The memory card according to claim 3 , wherein the plurality of transmitters transmit the data to the receiver randomly.6. The memory card according to claim 1 , further comprising a clock receiver that receives a clock signal from the external main unit.7. The memory card according to claim 6 , wherein a size of the at least one transmitter differs from a size of the clock receiver.8. The memory card according to claim 1 , further comprising an encrypting circuit that encrypts the data received from the memory and transmits the encrypted data to the driver.9. The memory card according to claim 8 , wherein the encrypting circuit is provided in the IC chip.10. The memory card according to claim 1 , wherein the memory is provided in the IC chip.11. The memory card according to claim 1 , wherein the data stored in the memory comprises a game software.12. An ...

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). 1. A method for performing a secure on-line transaction comprising:transmitting selected payment data to a card issue server, said selected payment data including at least one payment type selected from a predetermined list of payment types and, for each selected payment type, a selected amount, by a user;transmitting purchase data and the payment data to a merchant server by one of the card issue server and the user; andprocessing the purchase data and the payment data by the merchant server.2. The method according to claim 1 , wherein said transmitting selected payment data includes transmitting a request to pay a first part of a transaction price with a selected currency type and to pay a second part of the transaction price with points.3. The method according to claim 1 , wherein said transmitting purchase data and payment data includes transmitting at least one of the user name claim 1 , shipping address claim 1 , billing address claim 1 , and credit card number.4. ...

SMARTCARD PROVIDING AN IMPROVED STANDBY MODE

The invention relates to a smartcard () comprising: a microcontroller (); a contact communication interface (); a supply line (Vcc) connecting the contact communication interface to the microcontroller, a clock line (Clk) connecting the contact communication interface to the microcontroller. The smartcard further comprises a power management circuit () including a switch () adapted to selectively open or close the supply line connection between the contact communication interface and the microcontroller, the power management circuit being adapted to detect the loss of a clock signal on the clock line (Clk), adapted to keep said switch closed during a predetermined period after a loss of clock signal is detected and adapted to open said switch after said predetermined period. 110. A smart card () comprising:{'b': '30', 'a microcontroller ();'}{'b': '11', 'a contact communication interface ();'}a supply line (Vcc) connecting the contact communication interface to the microcontroller, a clock line (Clk) connecting the contact communication interface to the microcontroller; characterized in that:{'b': 20', '23, 'the smartcard further comprises a power management circuit () including a switch () adapted to selectively open or close the supply line connection between the contact communication interface and the microcontroller, the power management circuit being adapted to detect the loss of a clock signal on the clock line (Clk), adapted to keep said switch closed during a predetermined period after a loss of clock signal is detected and adapted to open said switch after said predetermined period.'}21020. The smart card () according to claim 1 , wherein said power management circuit () is adapted to detect the clock signal restoration and is adapted to close said switch after a clock signal restoration is detected.31030. The smart card () according to claim 1 , wherein said microcontroller () comprises a non volatile memory claim 1 , said microcontroller being adapted to ...

TRANSPONDER

A transponder comprising an antenna, such as an antenna coil, is provided for inductively coupling the transponder to a reader, transferring energy from the reader to the transponder, the electromagnetic field alternating with a carrier frequency, a rectifier having an antenna side coupled to the antenna for receiving an alternating current from the antenna and a transponder side for supplying the transponder with a direct current, and optionally a subcarrier modulator for modulating a subcarrier wave with a data signal to obtain a transmit signal. The rectifier modulates the electromagnetic field with the transmit signal so that the transmit signal is transmitted to the reader. By using a rectifier both for converting alternating current to direct current and as an analog mixer, increased range of the transponder is achieved without the need of generation and synchronization of a carrier wave. 1. A transponder comprisingan antenna for receiving a reader generated electromagnetic field, transferring energy from the reader to the transponder, the electromagnetic field alternating with a carrier frequency,a rectifier having an antenna side linked to the antenna for receiving an alternating current from the antenna and a transponder side for supplying the transponder with a direct current, anda data signal source for generating an electronic data signal encoding digital information, whereinthe data signal source is coupled to the transponder side of the rectifier, the rectifier modulating the electromagnetic field with the data signal so that the data signal is transmitted to the reader,wherein the transponder further comprisesa subcarrier modulator for modulating a subcarrier wave with the data signal to obtain a transmit signal, and whereinthe subcarrier modulator is coupled to the transponder side of the rectifier, the rectifier modulating the electromagnetic field with the transmit signal so that the transmit signal is transmitted to the reader.2. A transponder as ...

SEMICONDUCTOR DEVICE

A semiconductor device which stores data, and in which refresh operation is not needed, is described. The semiconductor device comprises at least a transistor and a capacitor. A first electrode of the capacitor is connected to a reference voltage terminal and a second electrode of the capacitor is connected to one of a source and a drain of the transistor. The semiconductor device is configured to put, when necessary, the other of the source and the drain of the transistor to the same potential as the one of the source and the drain, so that charge accumulated in the capacitor, which is connected to the one of the source and the drain of the transistor, does not leak through the transistor. 1. (canceled)2. A method of driving a semiconductor device , a transistor comprising a source electrode and a drain electrode, one of the drain electrode and the source electrode being electrically connected to a node; and', 'the method comprising the steps of:', 'accumulating electrical charges at the node;', 'preventing leakage of the electrical charges through the transistor by applying to the other of the source electrode and the drain electrode a potential in accordance with a potential of the node., 'the semiconductor device comprising3. The method for driving a semiconductor device according to claim 2 , wherein the leakage is due to quantum tunneling.4. The method for driving a semiconductor device according to claim 2 , wherein the electrical charges represent data of a memory device.5. The method for driving a semiconductor device according to claim 2 ,wherein the electrical charges represent data of a memory device, andwherein the data are held without a refresh operation.6. A method of driving a semiconductor device claim 2 , a first transistor comprising a source electrode and a drain electrode;', 'a second transistor comprising a source electrode and a drain electrode; one of the source electrode and the drain electrode being electrically connected to one of the ...

Embedded Electronic Payment System and Integrated Circuit

An embedded electronic payment (EEP) system allows various devices and appliances to act as a merchant to accept electronic payments. The EEP system can be formed on an integrated circuit or as a software applet to run on a virtual machine. The integrated chip can be a standard IC, an application specific integrated chip, programmable logic device, or a multiprocessor based microcontroller. The EEP system operates with a standard interface that can be adapted to many applications. As a result, the cost of payment integration is reduced. The reduced cost of inclusion allows electronic payment systems to be applied in systems and devices where cost margins previously prohibited custom electronic payment systems. When the EEP system is included as an integrated chip, the system has improved security and power consumption compared to software solutions. 1. An integrated circuit for processing payment instrument and transaction data into approval-request data that is to be evaluated by a payment transaction acquirer , a processor , or a payment instrument issuer , comprising:a plate of semiconductor material;a set of electronic circuits on said plate of semiconductor material, said set of electronic circuits defining a hardware stack of memory and a logic unit for implementing a merchant account protocol required for interacting with the payment transaction acquirer, the payment processor, or the payment instrument issuer;an input for receiving said payment instrument data, said input being connected to said logic unit and said memory; andan output for sending approval-request data to the electronic payment transaction acquirer, the payment processor, or the payment instrument issuer, said output being connected to said logic unit and said memory.2. The integrated circuit according to claim 1 , wherein: an encrypted public key stored in said memory;', 'said memory being configured to store a private key sent by the electronic payment transaction acquirer, the payment ...

Multi Application Smartcard with Currency Exchange, Location, Tracking and Personal Identification Capabilities

A smart card capable of performing more than one function, said smart card comprising a first memory means comprising a first set of data to access a bank account, a second set of data to access a credit card account, a third set of data representing the identification of a holder of the smart card, and a fourth set of data to access telephone communication services. The smart card further comprises a microprocessor, said microprocessor being in electrical communication with a second memory means, and a location tracking means for determining a location of the smart card.

MIDDLE CLASS AMERICA CARD

A debit card with automatic savings is disclosed. The card allows a user, such as the holder of the debit card, to automatically save a specified amount of money each time a transaction is conducted with the debit card, or according to another desired condition, such as once per week. When the card is used for a transaction, the specified amount of money is deducted from the available balance of the card and is added to one or more savings accounts maintained on the card. The debit card includes at least a microprocessor or microcontroller and sufficient memory for storing balances on the card, including the balance available for spending and a total for each savings account. The user may change the amounts desired for savings and may transfer the amount “saved” to the available balance when the user wishes to redeem the savings for desired goods or services. 1. An electronic card for saving money , comprising:a debit card having an interface for electronic transaction devices;a processor operably connected to the interface and having at least one memory sufficient for storing data and a computer software program, the processor suitable for manipulating data in the at least one memory; andwherein the computer program cooperates with the processor and the at least one memory to accomplish the following steps:i. maintain an overall balance of the debit card;ii. maintain an available balance of the debit card;iii. maintain a balance on the debit card for at least one savings account;iv. each time a purchasing transaction is accomplished with the debit card, subtract an amount from the available balance and add the amount to the at least one savings account; andv. accept changes to the computer program to change the amount,wherein the overall balance of the debit card comprises the available balance and a balance of the at least one savings account.2. The electronic card according to claim 1 , wherein the debit card further comprises at least one interface for an ...

Data storage medium and method for contactless communication between the data storage medium and a reader

A method and a data carrier for contactless communication of a reading device with at least two communication-ready applications located on a portable data carrier. A first communication-readiness signal is generated for a first application and sent to the reading device, the signal having a first identification number that is assigned to the first application and indicates to the reading device the communication readiness of said first application, and a second communication-readiness signal is generated and sent for a second application, the second signal having a second identification number different from the first identification number, which is assigned to said second application and indicates to the reading device the communication readiness of the second application. The identification numbers simulate for the reading device the communication readiness of a data carrier in each case. The reading device thus has the impression of communicating with applications of two separate data carriers.

SMART CARD AND PORTABLE ELECTRONIC APPARATUS

According to one embodiment, a smart card includes a communication unit, recording unit, first reception processor, determination unit, and first transmission processor. The recording unit records data defined by definition information. The first reception processor receives a command from an external terminal. If the first reception processor receives the command, the determination unit determines whether or not data required for execution of the command is stored in the recording unit. If the determination unit determines that the required data is not stored in the recording unit, the first transmission processor transmits a response indicating the start of a session required to acquire data related to that data from the external terminal to the external terminal. 1. A smart card comprising:a communication unit configured to exchange data with an external terminal;a recording unit configured to record data defined by definition information;a first reception processor configured to receive a command from the external terminal via the communication unit;a determination unit configured to determine, if the first reception processor receives the command, whether or not data required for execution of the command is stored in the recording unit; anda first transmission processor configured to transmit, if the determination unit determines that the data is not stored in the recording unit, a response indicating start of a session, which is required to acquire related data related to the data from the external terminal, to the external terminal via the communication unit.2. The smart card according to claim 1 , further comprising:a second transmission processor configured to transmit a proactive command required to acquire the related data related to the data from the external terminal after the first transmission processor outputs the response indicating the start of the session to the external apparatus;a second reception processor configured to receive a terminal ...

Detection arrangement

There is provided a detection arrangement for detecting an attack to internal signals in a semiconductor device. The detection arrangement comprises a first input terminal, a second input terminal, and a comparison unit. The first input terminal is adapted to receive a first signal being indicative for a signal at a first stage of a driver of the semiconductor device, the driver being capable to drive signals internally to the semiconductor device. The second input terminal is adapted to receive a second signal being indicative for a signal at a second stage of the driver of the semiconductor device. The comparison unit is adapted to compare the first signal and the second signal and to determine a time period during which the signals are equal, wherein the determined time period is indicative for a potential attack, if the determined time period is above a predefined threshold.

Ic card, portable electronic device and reader/writer for ic card

An IC card performs non-contact communication with external device. The IC card includes a receiving section, a command processing section and a transmitting section. The receiving section receives a command transmitted from the external device. The command processing section performs command processing based on the command and generates a response when the receiving section receives the command. The transmitting section transmits the response to the external device in one time slot out of a plurality of time slots in which data is transmitted to the external device.

TELEMATIC PAYMENT CARD

Telematic Payment Card for use remotely with a Central Control & Processing Unit, for paying goods and services using mobile network, and transferring money between accounts remotely, enabling a payment card with monitor and keyboard to communicate banking and financial data remotely to financial institutions and payment networks via said central unit. 1106. An electronic card for payments () comprising:{'b': '104', 'a) card enclosure ();'}{'b': '101', 'b) first chip for communication identification and authentication ();'}{'b': 102', '103, 'c) second chip for secure payment identification and authentication (, );'}{'b': '211', 'd) input module for inputting payment amounts and other information and confirming transactions ();'}{'b': '211', 'e) display module for displaying payment amounts, transaction confirmations and other information ();'}wherein the electronic card is configured to:a) connect wirelessly with a second party;b)transfer amount to second party, whether directly or whether through a central processing server.2106. The electronic card for payments according to wherein said second party is a second electronic card for payments ().3405. The electronic card for payments according to wherein said second party is a merchant POS unit ().4106. The electronic card for payments according to wherein the electronic card () is configured to issue and/or receive confirmations of said payments.5. An electronic card for accessing and managing a bank account according to .6101. The electronic card for payments according to wherein the first chip for communication identification and authentication () is a SIM chip for wireless mobile data communication.7103. The electronic card for payments according to wherein the second chip for secure payment authentication () is a EMV chip for secure card-holder identification and payment processing.8211. The electronic card for payments according to wherein the input and display module comprises a touchscreen ().9. The ...

SYSTEM AND METHOD OF A SMARTCARD TRANSACTION WITH BIOMETRIC SCAN RECOGNITION

A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample. 1. A smartcard transaction system comprising:a smartcard having an integrated circuit device, said integrated circuit device comprising an account application, said account application being configured to store information associated with an account beneficiary; andsaid account application comprising a partner file structure, wherein said partner file structure provides write access to a field within said partner file structure for a first partnering organization in response to verification of a proffered biometric scan sample and denies write access to said field within said partner file structure for a second partnering organization.2. The smartcard transaction system of claim 1 , further comprising a biometric scan sensor in communication with said smartcard claim 1 , said biometric scan sensor is configured to detect said proffered biometric scan sample and obtain verification of said proffered biometric scan sample to facilitate a transaction.3. The smartcard transaction system of claim 1 , further comprising:a first enterprise data collection unit associated with a first enterprise, said first enterprise data collection unit configured to store update transactions and pending transactions associated with said smartcard and said first enterprise;a second enterprise data collection unit associated with a second enterprise, said second enterprise data collection unit configured to store ...

IC CARD, PORTABLE ELECTRONIC DEVICE, AND READER/WRITER

An IC card of an embodiment performs contactless communication with an external device having a first battery and a first carrier wave output device to output carrier wave using electric power of the first battery. The IC card is provided with a second battery, a second carrier wave output device, a battery remaining capacity reading processor and a comparing processor. The second carrier wave output device outputs carrier wave using electric power of the second battery, to supply electric power to the external device. The battery remaining capacity reading processor acquires information indicating a remaining capacity of the first battery. The comparing processor compares the remaining capacity of the first battery with of a remaining capacity of the second battery. 1. In an IC card which performs contactless communication with an external device having a first battery and a first carrier wave output device to output carrier wave using electric power of the first battery , the IC card , comprising:a second battery;a second carrier wave output device which outputs carrier wave using electric power of the second battery, to supply electric power to the external device;a battery remaining capacity reading processor to acquire information indicating a remaining capacity of the first battery; anda comparing processor to compare the remaining capacity of the first battery with of a remaining capacity of the second battery.2. The IC card according to claim 1 , further comprising a carrier wave switching request processor which requests switching of output of the carrier wave claim 1 , based on a comparison result by the comparing processor.3. The IC card according to claim 2 , wherein the carrier wave switching request processor requests the switching of the output of the carrier wave to the external device so that the first carrier wave output device outputs the carrier wave claim 2 , when the second carrier wave output device outputs the carrier wave and the remaining ...

MULTI-MODE RFID TAG ARCHITECTURE

A multi-mode RFID tag includes a power generating and signal detection module, a baseband processing module, a transmit section, a configurable coupling circuit, and an antenna section. In near field mode, the configurable coupling circuit is operable to couple the transmit section to a coil or inductor in the configurable coupling circuit to transmit an outbound transmit signal using electromagnetic or inductive coupling to an RFID reader. In far field mode, the configurable coupling circuit is operable to couple the transmit section to the antenna section, and the multi-mode RFID tag then utilizes a back-scattering RF technology to transmit the outbound transmit signal to RFID readers. 1. A radio frequency identification (RFID) device , comprises:at least one processing module operable to generate an outbound transmit signal in a near field mode and a far field mode, wherein the at least one processing module is configured to encode the outbound transmit signal using a first protocol when in the near field mode and encode the outbound signal using a second protocol when in the far field mode.2. The RFID device of claim 1 , comprising:a coupling circuit operable to couple the at least one processing module to a first circuit to transmit the outbound transmit signal using inductive coupling in the near field mode and operable to couple the at least one processing module to a second circuit to transmit the outbound transmit signal as an RF signal in the far field mode.3. The RFID device of claim 1 , comprising:a power generating module operable in an active mode, wherein the power generating module includes a power supply.4. The RFID device of claim 1 , comprising:a power generating module operable in a passive mode, wherein the power generating module is operable to convert an inbound receive signal from an RFID interrogator into a supply voltage.5. The RFID device of claim 1 , wherein the outbound transmit signal in the near field mode includes a high frequency ...

CONFORMAL ELECTRONICS INTEGRATED WITH APPAREL

A system is provided for integrating conformal electronics devices into apparel. The system includes a flexible substrate onto which a flexible device is disposed. The flexible device can include a stretchable coil that can be used to receive and transmit near field communications. The flexible device also includes an integrated circuit component and a memory unit. In some examples, the device also includes a sensor that is configured to record measurement of the wearer of the apparel and/or the surrounding environment. 1. An apparatus for tagging , the apparatus comprising:a flexible substrate; a stretchable coil formed from a conductive material and comprising at least one corrugated portion; and', 'an integrated circuit component disposed proximate to and in electrical communication with the stretchable coil, the integrated circuit component comprising at least one memory that is read and write-enabled; and, 'a flexible device disposed on the flexible substrate, the flexible device comprisinga flexible encapsulant encapsulating the flexible device;wherein the apparatus is configured for remote data read- and write-operations to the at least one memory to store identifying information.2. The apparatus of claim 1 , wherein the integrated circuit component comprises at least one of an erasable programmable read only memory (EPROM) and an electrically erasable programmable read only memory (EEPROM).3. The apparatus of claim 1 , wherein the flexible substrate and flexible encapsulant are configured such that the apparatus remains functional after exposure to water.4. The apparatus of claim 3 , wherein the flexible substrate and flexible encapsulant are configured such that the apparatus remains functional after exposure to at least thirty wash cycles.5. The apparatus of claim 1 , wherein the apparatus is configured for remote data read and write operations to the at least one memory.6. The apparatus of claim 5 , wherein the apparatus is configured to perform read or ...

Electronic Authentication Systems

Methods and devices are provided for use in facilitating transactions between transaction devices and points of interactions. In connection therewith, one transaction device generally includes an input and an output for communicating with a point of interaction with regard to a transaction by a consumer at the point of interaction involving the transaction device. The transaction device also includes a processor in communication with the input and the output. The processor is configured to interact with the point of interaction in connection with the transaction, store transaction data relating to the transaction in a data store during the course of the transaction, and, in response to an interruption in the transaction with the point of interaction, retrieve transaction data stored in the data store in order to resume the transaction with the point of interaction when communication with the point of interaction is restored. 1. A transaction device , comprising:an input and an output for communicating with a point of interaction, in connection with a transaction by a consumer at the point of interaction involving the transaction device; and interact with the point of interaction in connection with the transaction;', 'store transaction data relating to the transaction in a data store during the course of the transaction; and', 'in response to an interruption in the transaction with the point of interaction, retrieve transaction data stored in the data store in order to resume the transaction with the point of interaction when communication with the point of interaction is restored., 'a processor in communication with the input and the output, the processor configured to2. The transaction device of claim 1 , further comprising the data store in communication with the processor.3. The transaction device of claim 2 , wherein the data store comprises a non-volatile memory module.4. The transaction device of claim 3 , wherein the non-volatile memory module comprises an ...

METHODS AND APPARATUS FOR AUTOMATIC IDENTIFICATION WRISTBAND

An apparatus for automatic radio-frequency identification (RFID). In an embodiment, the apparatus comprises a flexible strap comprising a plurality of holes and a buckle configured to buckle to any one of the plurality of holes, such that, when the buckle is buckled to one of the plurality of holes, the strap forms a closed loop. The apparatus further comprises one or more tag enclosures. Each tag enclosure comprises one or more buckles and a RFID tag configured to communicate identifying data to a reader device. The one or more buckles of each tag enclosure are each configured to buckle to any one of the plurality of holes on the strap such that the tag enclosure may be attached to the strap at any one of a plurality of positions on the strap. 132.-. (canceled)33. An apparatus for automatic radio-frequency identification (RFID) , the apparatus comprising:a flexible strap comprising a plurality of holes and a buckle configured to buckle to any one of the plurality of holes, such that, when the buckle is buckled to one of the plurality of holes, the strap forms a closed loop; and one or more buckles, wherein each of the one or more buckles is configured to buckle to any one of the plurality of holes on the strap such that the tag enclosure may be attached to the strap at any one of a plurality of positions on the strap, and', 'a RFID tag configured to communicate identifying data to a reader device., 'one or more tag enclosures, wherein each of the one or more tag enclosures comprises'}34. The apparatus of claim 33 , wherein each of the one or more tag enclosures comprise two or more buckles claim 33 , and wherein each of the two or more buckles is configured to buckle to any one of the plurality of holes on the strap.35. The apparatus of claim 33 , wherein the one or more tag enclosures comprise a plurality of tag enclosures claim 33 , and wherein each of the plurality of tag enclosures are buckled to one or more of the plurality of holes such that claim 33 , when ...

INFORMATION PROCESSING APPARATUS AND METHOD, RECORDING MEDIUM, AND PROGRAM

Information processing apparatus and method, recording medium, and program are provided. An information processing apparatus includes the following elements. A receiver receives a command requesting for the execution of predetermined processing. A storage unit stores data and first information indicating, among a plurality of stages in a lifecycle of the information processing apparatus, the current stage determined by the stored data and second information indicating an executable command in the current stage, the executable command being determined for each of the plurality of stages. A determining unit determines on the basis of the first information and the second information whether the command received by the receiver is an executable command in the current stage. 1. An information processing apparatus comprising:a reception unit that receives a command requesting for an execution of predetermined processing;a storage unit that stores stage information of a plurality of stages in a lifecycle of a IC card, the plurality of stages including at least a terminated state; anda determination unit that determines whether the command received by the reception unit is an executable command in the stage on a basis of the stage information.2. The information processing apparatus according to claim 1 , wherein the terminated state is a final stage in the plurality of lifecycle stages of the IC card.3. The information processing apparatus according to claim 1 , further comprising a control unit claim 1 , wherein after the reception unit receives a terminate command claim 1 , the control unit causes at least a portion of data recorded in the storage unit to be erased.4. The information processing apparatus according to claim 1 , wherein after the reception unit receives a terminate command claim 1 , the lifecycle stage of the IC card is changed to the terminated state.5. The information processing apparatus according to claim 1 , wherein when the lifecycle stage of the IC ...

MOBILE PHONE WITH MAGNETIC CARD EMULATION

An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof. 1. A mobile phone comprising:a memory to hold transaction data for repeated use in a plurality of transactions;a current carrying conductor capable of producing a time-varying magnetic field that represents the transaction data in the plurality of transactions;a driver to excite the current carrying conductor; anda processor coupled to control the driver.2. The mobile phone of wherein the time-varying magnetic field represents a point-of-sale transaction.3. The mobile phone of wherein the time-varying magnetic field represents an access transaction.4. The mobile phone of wherein the time-varying magnetic field represents a credit card transaction.5. The mobile phone of wherein the time-varying magnetic field emulates a swipe of a magnetic card.6. The mobile phone of wherein the driver comprises a current driver.7. A mobile phone comprising:a memory to hold transaction data for repeated use in a plurality of transactions;a conductor that when excited by a reversing polarity current produces a time-varying magnetic field that represents the transaction data in the plurality of transactions;a driver to excite the conductor; anda processor coupled to control the driver.8. The mobile phone of wherein the time-varying magnetic field represents a point-of-sale transaction.9. The mobile phone of wherein the time-varying magnetic field represents an access transaction.10. The mobile phone of wherein the time-varying magnetic field represents a credit card transaction.11. The mobile phone of wherein the time-varying magnetic field ...

CONDUCTIVE PAYMENT DEVICE

Systems and methods for providing a payment include determining that a conductive payment device has been positioned immediately adjacent a touch sensitive payment receiving device. A plurality of conductive identification elements that are communicated from the conductive payment device to the touch sensitive payment receiving device are detected and the relative positions of at least some of the plurality of conductive identification elements are determined. User payment account information is then retrieved using the determined relative positions of the at least some of the plurality of conductive identification elements. A payment request is then sent over a network to make a payment using the user payment account information. 1. A payment system , comprising:a non-transitory memory storing payment receiving engine instructions; determining that a conductive payment device has been positioned immediately adjacent a touch sensitive payment receiving device;', 'detecting a plurality of conductive identification elements communicated from the conductive payment device to the touch sensitive payment receiving device and determining relative positions of at least some of the plurality of conductive identification elements;', 'retrieving user payment account information using the determined relative positions of the at least some of the plurality of conductive identification elements; and', 'sending a payment request over a network to make a payment using the user payment account information., 'one or more hardware processors coupled to the memory and operable to read the instructions from the memory to perform the steps of2. The system of claim 1 , wherein the one or more hardware processors are further operable to read the instructions from the memory to perform the step of:displaying, on the touch sensitive payment receiving device, a conductive payment device positioning area, wherein the determining that the conductive payment device has been positioned ...

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- ...

LOGICAL VALIDATION OF DEVICES AGAINST FRAUD AND TAMPERING

Disclosed herein is a method and system to establish a secure communication channel between a payment object reader and a payment terminal For this, the server determines whether a payment terminal has associated with an attestation ticket. The method further includes determining, whether to approve or deny the request for establishing the secure communication channel between the payment object reader and the payment terminal based on the attestation ticket. If the determination yields that the request has been approved, further generating a session approval interrupt having one or more session approval conditions; and sending the session approval interrupt to the payment terminal, where the session approval interrupt causes a secure communication channel to be established between the payment object reader and the payment terminal. 1. A computer-implemented method for facilitating a secure exchange of information between a payment object reader and a payment terminal , the method comprising:receiving, by a tamper monitoring component of the payment terminal, an indication that the payment object reader has been connected to the payment terminal;executing, by the tamper monitoring component, a set of instructions to scan a hardware or software of the payment terminal for security threats;obtaining, by the tamper monitoring component, validation data including responses corresponding to the scan, an identifier associated with the terminal, and an attestation ticket, wherein the attestation ticket was generated at a previous time based on an interaction between the payment terminal and a payment processing server;generating, by the tamper monitoring component and for the payment server, the request for establishing a secure communication channel between the payment object reader and the payment terminal, wherein the request includes the validation data;sending, by the tamper monitoring component and to the payment processing server, the request for establishing the ...

Direct authentication system and method via trusted authenticators

Systems and methods are provided for enabling online entities to determine whether a user is truly the person who he says using a “two-factor” authentication technique and authenticating customer's identity utilizing a trusted authenticator.

AUTHENTICATION METHOD

An authentication method performed by an authentication server (ACS). The method includes receiving from an access server (SW) giving access to a service (S), an authentication request including transaction data (DT) associated with an IC card; determining whether a security code included in the transaction data is of the DCVV type; and if so, detecting that no 3D secure (3DS) authentication is to be performed and co-operating with a verification server (SV) in order to verify the validity of the DCVV security code. 1. An authentication method performed by an authentication server , the method comprising:receiving, from an access server giving access to a service, an authentication request including transaction data associated with an integrated circuit (IC) card;determining whether a security code included in the transaction data is of the dynamic card verification value (DCVV) type; andif so, blocking the performance of 3D secure (3DS) authentication on the IC card and co-operating with a verification server to verify the validity of the DCVV security code.2. The method according to claim 1 , further comprising:sending, to the access server, a positive authentication message concerning the transaction data if the validity of the DCVV security code is verified successfully during said co-operating with the verification server.3. The method according to claim 1 , wherein determining whether the security code included in the transaction data is of the dynamic card verification value (DCVV) type comprises:determining, by the authentication server, determines whether the IC card is of the DCVV type on the basis of a PAN identifier included in the received transaction data; andonly if so, determining that the security code is of the DCVV type.4. The method according to claim 1 , wherein claim 1 , if the security code is of the CVV type and if the authentication server determines on the basis of the transaction data that the authentication server is authorized to proceed ...

METHOD FOR VERIFYING TRANSACTIONS IN CHIP CARDS

The present invention provides a method for verifying transactions in chip cards which effectively protects a chip card from being copied and facilitates transmission of transactional messages or transactional information over open networks. Consequently, personal information of a particular account and data stored in a chip card thereof cannot be obtained by intercepting the transmitted transactional details, effectively protecting the chip card from being copied, and facilitating the transmission of transactional messages or transactional information over open networks. 1. A method for verifying transactions in chip cards , the method comprising steps of:a) creating a mathematical formula and an initial code, wherein a chip card manufacturing factory respectively integrates at least the mathematical formula and the initial code corresponding to the mathematical formula into a chip card to be issued, and the mathematical formula corresponding to each of the chip cards and the initial code corresponding to the mathematical formula are created in a backend system;b) creating personal information of a cardholder, wherein when each of the chip cards is to be issued, a management platform respectively sends personal information from an account of the cardholder of the chip card to be issued back to the backend system for authentication, where the backend system respectively determines a corresponding relationship between information stored in the chip card to be issued by the management platform and the personal information of the cardholder;c) generating a dynamic source and a dynamic identification code, as the issued and activated chip card is to make a transaction, a chip card reading device is used to correspondingly generate a time of the transaction, and the chip card uses at least an accumulated number of transactions and the time of the transaction as the dynamic source for plugging into a mathematical formula thereof and generating a set of dynamic ...

CARD SHIMMER DETECTION

A shim detection device is selectively interfaced to a portion of a chip card reader that is integrated into a terminal. The shim detection device is configured to detect when a shimmer is inserted into the chip card reader during a card transaction at the terminal and take an automated action in response thereto. 1. A system , comprising:a chip card reader; anda shim detection device interfaced to at least a portion of the chip card reader and configured to detect when a shimmer is inserted in the chip card reader during a card transaction at a terminal.2. The system of claim 1 , wherein the shim detection device is integrated into the chip card reader as an integrated component of the chip card reader.325. The system of claim 1 , wherein the chip card reader is attached to a voltage and ground lead from C and C contact leads of the chip card reader.425. The system of claim 1 , wherein shim detection device is coupled to a capacitor/resistance component claim 1 , and the capacitor/resistance component is coupled to a voltage and ground lead from C and C contact leads of the chip card reader.525. The system of claim 1 , wherein the shim detection device is overlaid on the C and C contact leads of the chip card reader.625. The system of claim 1 , wherein shim detection device is configured to power on a device in response to detecting variations in voltage or ground from the C and C contact leads of the chip card reader indicating the shimmer has been inserted into the chip card reader.7. The system of claim 6 , wherein the device is one of: a sensor device claim 6 , a Subscriber Identity Module (SIM) claim 6 , and a microcontroller.8. The system of claim 7 , wherein the SIM is configured to send a Short Message Service (SMS) text when powered on by the shim detection device.9. The system of claim 7 , wherein the sensor device is configured to one or more of: illuminate a Light Emitting Diode and play a distinctive audio tone.10. The system of claim 7 , wherein the ...

Electronic Authentication Systems

Methods and devices are provided for use in detecting relay attacks between devices in a communications network. One method includes sending first data by a first device to a second device, and receiving, by the first device, a communication from the second device where the communication comprises second data generated at the second device and a time parameter related to the generation of the second data. The method also includes measuring a total transmission time at the first device between sending the first data and receiving the communication, and determining a further time parameter related to the generation of the second data based at least in part on the measured total transmission time. The method then further includes determining the presence of a relay attack between the first and second devices in dependence on a comparison of the time parameter and the further time parameter. 1. A computer-implemented method of detecting relay attacks between first and second devices in a communications network , the method comprising:sending first data, by the first device, to the second device;receiving, by the first device, a communication from the second device, the communication comprising second data generated at the second device and a time parameter related to the generation of the second data;measuring a total transmission time at the first device between sending the first data and receiving the communication;determining a further time parameter related to the generation of the second data, based at least in part on the measured total transmission time; anddetermining the presence of a relay attack between the first and second devices in dependence on a comparison of the time parameter and the further time parameter.2. The method of claim 1 , wherein determining the presence of the relay attack includes comparing claim 1 , by the first device claim 1 , the time parameter and the further time parameter claim 1 , and determining if a difference between the time ...

Portable mechanical switch for selective deactivation of radio frequency identification circuits

Systems and methods for providing security for authentication devices—such as electronically readable cards or ID badges with embedded RFID chips or NFC capability—may include an envelope or pocket-like case for carrying an electronically readable card, having an electrically conductive, non-opaque sleeve that can be moved to cover or expose the electronically readable card and that prevents information on the the card from being electronically read when covered yet still allows the card to be seen when covered. In one or more embodiments, the sleeve may be a wire mesh that is flexible enough to be compressed to expose the card yet stiff (or rigid) enough to be extended to cover the card and that is transparent enough to allow reading visual information on the surface of the card when covering the card. Protection can be switched off by a mechanical switch that leaves the protection normally on.

SYSTEM AND METHOD FOR SECURE CARD WITH ON-BOARD VERIFICATION

Systems and methods for secure cards with on-board verification are disclosed. In one embodiment, a transaction device associated with at least one transaction account may have a substrate comprising a display that displays an account identifier for the transaction account; a sensor that receives authentication information from a user; a processor that processes the authentication information to verify the authenticity of the user; and a communicator that communicates at least the account information, the communicator including at least one of a magnetic stripe, an electrical interface, and a wireless RF interface. The display may not display the account identifier until the user is authenticated, and the communicator may be inactive to communicate the account information until the user is authenticated. 120-. (canceled)21. A transaction device , comprising: a display that has substantially the same height and width as the substrate;', 'a memory storing first transaction card data, the first transaction card data comprising first transaction card image data for a first transaction card; and', 'a controller comprising at least one computer processor that controls the display;', 'wherein the controller causes the display to render the first transaction card image data., 'a substrate having substantially the same height, width, and thickness of a credit card, comprising22. The transaction device of claim 21 , wherein the display is active when the transaction device is within a predetermined distance of a point of sale terminal.23. The transaction device of claim 21 , wherein the first transaction card data further comprises a first transaction card account number.24. The transaction device of claim 21 , wherein the first transaction card image data is an image of the front side of the transaction card.25. The transaction device of claim 21 , wherein the memory further storing second transaction card data claim 21 , the second transaction card data comprising second ...

DYNAMIC CARD VALIDATION

A card validation system receives a request to validate a card and receives one or more received cell values corresponding to one or more cell identifiers of a card validation matrix. The system determines one or more stored cell values corresponding to the one or more cell identifiers of the card validation matrix. The system compares the received cell values to the one or more stored cell values. Based at least in part upon the comparison, the system determines whether the card is validated. 1. A card validation system , comprising: receive a request to validate a card;', 'transmit one or more cell identifiers of a card validation matrix to a user;', 'receive one or more received cell values corresponding to the one or more cell identifiers of the card validation matrix;, 'an interface operable to determine the one or more cell identifiers to associate with the user;', 'determine one or more stored cell values corresponding to the one or more cell identifiers of the card validation matrix;', 'compare the received cell values to the one or more stored cell values; and', 'based at least in part upon the comparison, determine whether the card is validated., 'one or more processors communicatively coupled to the interface and operable to2. (canceled)3. The system of claim 1 , wherein the cell identifiers expire after a period of time.4. The system of claim 1 , wherein the cell identifiers expire after a predetermined number of uses.5. The system of claim 1 , the interface further operable to receive the one or more cell identifiers of the card validation matrix.6. The system of claim 1 , further comprising:a memory communicatively coupled to the one or more processors and operable to store a seed corresponding to the card validation matrix; andthe one or more processors further configured to generate the card validation matrix from the seed, wherein determining the one or more stored cell values comprises accessing the card validation matrix.7. The system of claim 1 , ...

Customer-controlled instant-response anti-fraud/anti-identity theft devices (with true-personal identity verification), methods and systems for secured global applications in personal/business e-banking, e-commerce, e-medical/health insurance checker, e-education/research/invention, e-disaster advisor, e-immigration, e-airport/aircraft security, e-military/e-law enforcement, with or without nfc component and system, with cellular/satellite phone/internet/multi-media functions

All-in-one wireless mobile telecommunication devices, methods and systems providing greater customer-control, instant-response anti-fraud/anti-identity theft protections with instant alarm, messaging and secured true-personal identity verifications for numerous registered customers/users, with biometrics and PIN security, operating with manual, touch-screen and/or voice-controlled commands, achieving secured rapid personal/business e-banking, e-commerce, accurate transactional monetary control and management, having interactive audio-visual alarm/reminder preventing fraudulent usage of legitimate physical and/or virtual credit/debit cards, with cheques anti-forgery means, curtailing medical/health/insurance frauds/identity thefts, having integrated cellular and/or satellite telephonic/internet and multi-media means, equipped with language translations, GPS navigation with transactions tagging, currency converters, with or without NFC components, minimizing potential airport risks/mishaps, providing instant aid against school bullying, kidnapping, car-napping and other crimes, applicable for secured military/immigration/law enforcements, providing guided warning/rescue during emergencies and disasters. 1. A customer-controlled fraud prevention device comprising:an integrated interactive accurate and secured means enabling said device and a customer-owner of said device and at least one respective specific financial transaction instrument linked with said device to be securely and properly linked and registered to at least one respective specific financial entity, wherein said device having at least one said respective specific financial transaction instrument linked with said device and said customer-owner and said at least one said respective specific financial entity, altogether being programmed to be communicatively coupled, enabling said customer-owner of said device to perform one or more respective specific financial transaction(s) using said at least one ...

BANK CARD WITH RFID COUNTERFEIT SECURITY, VERIFICATION AND PREPARATION METHODS THEREOF

The present invention relates to the field of bank card security and specifically discloses a bank card with RFID counterfeit security and its verification method. The bank card includes a RFID tag, an IC chip, an antenna, and a magnetic stripe. The antenna is coupled to a pad in the IC chip; a tag antenna is installed in the RFID tag; the bank card has a card number, and the card number is stored in both IC chip and magnetic stripe. The verification method includes the steps of: binding the unique identification number of the RFID tag, a card number, and data stored in the IC chip and/or the magnetic stripe; uploading the bound data to an authentication server; reading the data of the bank card to be verified; matching and verifying the read data and the bound data. 1. A bank card with RFID counterfeit security comprising:a RFID tag;a magnetic stripe;the RFID tag comprising a tag antenna;a card number; andthe card number being stored in the magnetic stripe.2. The bank card with RFID counterfeit security according to comprising:the RFID tag being a passive tag with a working frequency of 13.56 MHz, and a communication protocol in compliance with the ISO/IEC 15693.3. (canceled)4. The bank card with RFID counterfeit security according to comprising:the RFID tag being embedded into the bank card;an antenna;the antenna being a passive antenna;the passive antenna being embedded into the bank card;an IC chip;the IC chip comprising two pads; andthe passive antenna being coupled to the two pads by an ultrasonic butt welding process.5. An anti-counterfeit verification method of a bank card with RFID counterfeit security claim 1 , comprising the steps of:binding the unique identification number of a RFID tag and a bank card number, data stored in an IC chip, and/or data stored in a magnetic stripe, and storing the bound data into an authentication server;reading the unique identification number of the RFID tag of a bank card to be verified, reading the data stored in the IC ...

FOLDABLE ORGANIC LIGHT EMITTING DIODE ("OLED") PURCHASING INSTRUMENT READER

A foldable circuit board that includes OLED display technology is provided. Apparatus may include embedded card reading technology (e.g., EMV, magnetic stripe, QR-Reader Technology) into a foldable OLEO-based mobile device. The mobile device may fold, to create a channel for swiping a purchasing instrument. Such a device may provide portable card reading technology and an ability to seamlessly transmit the captured information to a remote server/network for authorization. Such devices may avoid use of an external plug-in device to capture payment instrument information. Also, such devices may revive use of magnetically encoded information which is typically less-expensive-to-manufacture and provides a faster “swipe” time to read the magnetically encoded information as compared to other technology such as EMV chips. 1. A foldable circuit board comprising: a magnetic read surface area;', 'a swipe surface area; and', 'a fold axis;, 'an array of organic light emitting diodes (“OLEDs”) forming a foldable OLED display, the foldable OLED display comprisinga magnetic read head embedded within the magnetic read surface area;a communication circuit;a processor circuit comprising a non-transitory memory and a processor; anda power source for powering the OLED display, the communication circuit, the magnetic read head and the processor circuit; the foldable OLED display is configured to bend about the fold axis and position the magnetic read surface area adjacent to the swipe surface area to form a swipe channel;', 'the non-transitory memory stores machine readable instructions that when executed by the processor detect formation of the swipe channel and activate the magnetic read head;', 'the magnetic read head is positioned to extract information from a purchasing instrument inserted into the swipe channel; and', 'the communication circuit is configured to transmit the information extracted from the purchasing instrument to a remote server., 'wherein, in operation2. The ...

PERSISTENT NODES FOR RFID

An RFID transponder in one embodiment comprises a radio frequency (RF) transceiver, processing logic coupled to the RF transceiver, a switch coupled to the processing logic, a tunneling device coupled to the switch and a differential sensing circuit having a first input coupled to the tunneling device and a second input coupled to a predetermined reference voltage. In one embodiment, the tunneling device can discharge to a voltage below the predetermined reference voltage. 1. A state storage circuit for storing a state in an RFID circuit , the state storage circuit comprising:a switch coupled to a first reference voltage;a capacitance circuit coupled to the switch, the capacitance circuit comprising a capacitor that discharges through a tunneling current, wherein the discharging of the capacitance circuit is dominated by the tunneling current when the state storage circuit's temperature is in the range of −25 degrees to +40 degrees C.2. The state storage circuit as in further comprising:a differential sensing circuit coupled to an output of the capacitance circuit and coupled to an output of a reference generator circuit which generates a predetermined reference voltage independently of any tunneling device, the differential sensing circuit configured to sense whether the output of the capacitance circuit is above the predetermined reference voltage and wherein the capacitance circuit discharges from a voltage which is about the first reference voltage to a voltage below the predetermined reference voltage; andwherein the capacitance circuit comprises a thin oxide MOS capacitor with an oxide thickness between 10 nm and 50 nm, wherein the tunneling current is through the thin gate oxide.3. The state storage circuit as in wherein the state storage circuit is configured to store the state for a predetermined period of time which is substantially independent of temperature.4. The state storage circuit as in wherein at least one of the first reference voltage and the ...

METHODS AND SYSTEMS FOR BIOMETRIC CARD ENROLLMENT

Methods, apparatus and systems for allowing users to easily and securely enroll directly into a newly issued biometric payment card. In an embodiment, a user is provided with a biometric payment card enrollment package that includes a biometric payment card, an energy sleeve having a power source and at least a front wall and a rear wall defining an opening for accepting the biometric payment card therein, and at least one light-emitting diode (LED). The power source includes circuitry to provide power to an EMV chip of the biometric payment card when the biometric payment card is seated therein, and to provide power to the LED during a biometric enrollment process. In some embodiments, a software development kit (SDK) provided by the issuer of the biometric payment card provides support and guidance which enables the user to enroll directly into the biometric payment card. 1. A biometric payment card enrollment package comprising:a biometric payment card comprising a biometric sensor located on a front wall, the biometric sensor operably connected to an EMV chip comprising a contact faceplate located on the front wall, and a memory;an energy sleeve having at least a front wall and a rear wall defining an opening therebetween and sized to accept the biometric payment card therein, the energy sleeve comprising a power source; andat least one light-emitting diode (LED) operably connected to one of the EMV chip of the biometric payment card or the power source of the energy sleeve;wherein the power source comprises circuitry that provides power via the contact faceplate to the EMV chip when the biometric payment card is inserted through the opening of the energy sleeve and seated therein, and provides power to the at least one LED during a biometric enrollment process.2. The biometric payment card enrollment package of claim 1 , wherein at least two LEDs are operably connected to the power source when the biometric payment card is inserted through the opening of the ...

PAYMENT SERVER, PAYMENT SYSTEM, AND CARD REGISTRATION METHOD THEREOF

According to various embodiments of the disclosure, a first payment server may include a communication module, and a processor to receive a card registration request including account information from a first electronic device, to request a second payment server to provide card information on a card, which is registered by a second electronic device, in association with the account information, to receive the card information from the second payment server, and to transmit, to a financial company server, the card registration request of the first electronic device based on the received card information. 1. A first payment server comprising:a communication module; anda processor configured to:receive a card registration request including account information from a first electronic device;request a second payment server to provide card information on a card, which is registered by a second electronic device, in association with the account information;receive card information from the second payment server; andtransmit, to a financial company server, the card registration request of the first electronic device based on the received card information,wherein the first electronic device provides a first payment service by internetworking with the first payment server through a first application, andwherein the second electronic device provides a second payment service by internetworking with the second payment server through a second application.2. The first payment server of claim 1 , wherein the card information includes at least one of a card issuer claim 1 , a card number claim 1 , a card password claim 1 , an expiration date of the card claim 1 , and a card validation code.3. The first payment server of claim 1 , wherein the processor is configured to:receive a card registration result from the financial company server; andtransmit the card registration result to the first electronic device.4. The first payment server of claim 3 , further comprising:a memory,wherein ...

WEARABLE DEVICE WITH TIME-VARYING MAGNETIC FIELD AND SINGLE TRANSACTION ACCOUNT NUMBERS

An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.

A METHOD OF PROCESSING A CARD PRESENT, CARD PAYMENT TRANSACTION

This invention relates to a method of processing a card present, card payment transaction. The method () comprises obtaining () and comparing a PAN taken from the magnetic strip of a card with the PAN taken from the chip of a card. If the PANs are found to differ, the card payment transaction is declined () as this is indicative of a fraudulent payment attempt. According to one implementation, if the card payment terminal is unable to retrieve the PAN from either source, the payment transaction is declined (). In this way, a far more secure method of processing the transaction is provided. According to another implementation, the terminal () carries out EMV1 PIN verification before allowing a payment transaction to proceed. In that implementation, additional chip () interaction or communication steps subsequent to PIN verification (EMV2 steps) are not required. Therefore, the invention can be performed using existing infrastructure. Furthermore, the security and flexibility of the card payment method are improved.

SMART CHIP CARD WITH FRAUD ALERT AND BIOMETRIC RESET

The disclosure generally describes computer-implemented methods, software, and systems, including a method for placing a card into a usable state. A biometric input is received for a user to which a card has been issued by an entity. The card has an operational mode of an unusable state that has been previously identified by the entity for a particular PAN. The particular PAN is invalidated for use in further data exchanges using the card. The biometric input is received by an electronic controller embedded in the card. A determination is made that the biometric input matches one of one or more stored biometric profiles of users authorized to use the card. Based on the determining, a new PAN is activated for the card. The new PAN is usable in further data exchanges of the card. The operational mode of the card is modified to a usable state by the electronic controller. 1. A system for a card , the card being an electronic card , the system comprising:a biometric sensor operable to read a biometric input of a cardholder of the card, the biometric input associated with an attempted authentication by the cardholder, as an authorized user of the card, wherein one or more authorized users are defined by an entity associated with the card; receive, from the biometric sensor and via the electronic controller embedded in the card at a time when the card has an operational mode of an unusable state, the received biometric input of the cardholder, the unusable state of the card being previously identified by the entity for a particular permanent account number (PAN), the particular PAN invalidated for use in further data exchanges using the card;', 'determine that the received biometric input matches a pre-loaded biometric profile stored on the card, the pre-loaded biometric profile associated with the authorized user of the card;', 'activate, based on the biometric input match, a new PAN for the card, the new PAN usable in further data exchanges of the card; and', 'modify ...

Long-Range Electronic Identification System

An identification system is provided employing tags which may be targeted by a coherent energy beam such as a laser emanating from a query device controlled by a user. The tags may be activated with great precision even when tightly grouped and at great distances from the user through the employment of the communicated beam to activate the tags to report an identifier and or data stored thereon. The emanating laser is also adjustable for cross sectional contact area to increase accuracy. Security may be provided through the requirement of a proper query code being communicated to the tag prior to generation of a wireless data or identifier response.

DIRECT AUTHENTICATION SYSTEM AND METHOD VIA TRUSTED AUTHENTICATORS

Systems and methods are provided for enabling online entities to determine whether a user is truly the person who he says using a “two-factor” authentication technique and authenticating customer's identity utilizing a trusted authenticator. 1. A system for enhancing online authentication of a user attempting to access an online system , the authentication system comprising one or more computing devices configured to perform operations comprising:receiving, via a computer network, after the user attempts to access the online system, a request for a user-authentication code for the user; the user-authentication code is information generated by the authentication system for authenticating the user,', 'the user-authentication code is configured to be valid for a predetermined time,', 'the user-authentication code is configured to become invalid after the predetermined time, and', 'the user-authentication code is configured to become invalid after a first use to authenticate the user;, 'providing, via the computer network, the user-authentication code in response to the request for the user-authentication code, whereinreceiving, via the computer network, a user-authentication request for authenticating the user from the online system, the user-authentication request comprising the user-authentication code and user-identification information of the user;authenticating the user based on at least the user-authentication code and the user-identification information included in the authentication request; and the result confirms authentication of the user if the user-authentication code is valid; and', 'the result denies authentication of the user if the user-authentication code is invalid., 'providing, via the computer network, a result of the authenticating to the online system in response to the authentication request, wherein2. The system of claim 1 , wherein the user-authentication code is a SecureCode.3. The system of claim 2 , wherein the SecureCode is comprised of ...

Payment Card and Method of Manufacturing the Same

Embodiments disclosed herein generally relates to a payment card, and more specifically to a payment card with obfuscated personal identification information and a method of generating the same. In one embodiment, an apparatus is disclosed herein. The apparatus includes a substrate, one or more sets of personal identification information, and a masking layer. The substrate is formed from a water-insoluble material. The one or more sets of personal identification information is formed on the substrate. The masking layer is selectively positioned on the substrate to obscure at least one set of personal identification information. The masking layer is formed from a water-soluble material.

RADIO FREQUENCY IDENTIFICATION TAG IN A LICENSE PLATEDS

Techniques, systems, and devices are disclosed for the design and manufacturing of a radio-frequency identification (RFID)-enabled license plate. In one aspect, a proposed RFID-enabled license plate includes a metal plate and a RFID assembly integrated with the metal plate. The RFID assembly further includes a front cover attached to a first side of the metal plate and a back cover attached to a back side of the metal plate opposite to the front cover, and the front cover and the back cover substantially overlap with each other. The RFID assembly additionally includes a RFID tag sandwiched between the front cover and the back cover and is affixed to at least one of the front cover and the back cover. As such, the RFID tag is substantially tamper-proof. 1. A radio frequency identification (RFID) assembly , comprising: an RFID chip disposed on a substrate,', 'an antenna loop disposed on the substrate and electrically coupled to the RFID chip, and', 'a protective film layer;, 'an RFID tag havinga plate having a cutout sized to receive the RFID tag;a first cover on a first side of the plate affixed to a first side of the RFID tag; anda second cover on a second side of the plate opposite the first side, affixed to the first cover and forming a weatherproof seal around the RFID tag.2. The RFID assembly of claim 1 , wherein the cutout extends from the first side of the plate to the second side of the plate claim 1 , andwherein the first cover is affixed to the first side of the plate and forms a weatherproof seal with the first side.3. The RFID assembly of claim 1 , wherein the second cover is affixed to the second side of the plate and forms a weatherproof seal with the second side.4. The RFID assembly of claim 1 , wherein the RFID tag is sandwiched between the front cover and the back cover within the cutout and is affixed to at least one of the first cover and the second cover.5. The RFID assembly of claim 4 , wherein the second cover is further affixed to the RFID tag. ...

MULTI-FUNCTION TRANSACTION CARD

A multi-function transaction card may determine whether to submit a first payment as a passive payment device or to receive a second payment from another transaction card. The multi-function transaction card may have a length and a width that are in accordance with a standard for transaction cards. The multi-function transaction card may selectively perform a payment transaction based on determining whether to submit the first payment or to receive the second payment. The payment transaction may be performed by providing first card data to a transaction terminal for processing when the multi-function transaction card is to submit the first payment. The payment transaction may be performed by receiving second card data from the other transaction card, and processing the second card data via online data authentication, or via offline data authentication, when the multi-function transaction card is to receive the second payment. 1. A method , comprising: 'the multi-function transaction card having a length and a width that are in accordance with a standard for transaction cards; and', 'determining, by a multi-function transaction card, whether to submit a first payment as a passive payment device or to receive a second payment from another transaction card,'} the first payment transaction being performed by providing first card data to a transaction terminal for processing when the multi-function transaction card is to submit the first payment, or', pairing with a user device,', 'receiving, from the user device and based on pairing with the user device, an instruction to initialize a card reading functionality of the multi-function transaction card,', 'receiving, based on initializing the card reading functionality, second card data from the other transaction card,', 'determining whether an active connection exists between the multi-function transaction card and the user device, and', the online data authentication being performed based on determining that the active ...

Techniques for providing an electronic representation of a card

Techniques for making electronic cards that can be displayed on a mobile phone. The techniques permit making an electronic card based on an arbitrary SMS message and making an electronic card (eCard) that corresponds to a pre-existing non-electronic privilege card such as a loyalty card. In the latter case, the system on which the card is being made obtains information about the user and the issuer and uses the information to determine whether to issue the eCard and also to make use validity information which is associated with the card and is used to determine the validity of the card as it is used. 1. A method of making an electronic version of a previously-issued privilege card for a user , the previously-issued privilege card having been issued by a card issuer and the method comprising the steps performed in a processor of:receiving issue validation information for the electronic version including at least card identification information for the preexisting card from the user;using the issue validation information and information of the card issuer to determine whether the electronic version should issue; andon validation,making the electronic version of the preexisting privilege card.2. The method set forth in further comprising the step of:associating use validation information provided by the card issuer with the electronic version.3. The method set forth in further comprising the step of:using display information for a device upon which the electronic version is to be displayed to make the electronic version.4. The method set forth in wherein:the electronic version includes a barcode; andin the step of using the display information, the display information is used to generate the barcode.5. A method of making an electronic card for a mobile telephone claim 3 , the telephone having a display and the ability to send text messages and the method comprising the steps performed in a server to which the mobile telephone can send text messages of:receiving a text ...

INTEGRATION OF VERIFICATION TOKENS WITH MOBILE COMMUNICATION DEVICES

Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is communicatively coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computer's display, or may display the value to the user using the computer's display. 149.-. (canceled)50. A mobile communication device comprising:a housing; and a peripheral interface adapted to communicatively couple to a peripheral interface of a mobile communication device;', 'a computer-readable medium;', 'a data processor electrically coupled to the peripheral interface of the verification token and the computer-readable medium;', 'code embodied on the computer-readable medium that directs the data processor to obtain identification information;', 'code embodied on the computer-readable medium that directs the data processor to transmit the identification information to an entity; and', 'code embodied on the computer-readable medium that directs the data processor to receive, after transmitting the identification information, a dynamic PAN from the entity; and', 'code embodied on the computer-readable medium that directs the data processor to locate a browser web page on the mobile communication device that has a form field for the verification value, and to enter ...

SYSTEM AND METHOD FOR PROCESSING SECURE TRANSACTIONS USING ACCOUNT-TRANSFERABLE TRANSACTION CARDS

In a method for activating account-variable transaction cards having private and public card encryption keys stored therein, private and public personal keys are associated with an account and transmitted to an account holder device. A request for activation of an account-variable transaction card is received by a central processor from the user device. The request includes information encrypted using at least the private personal key and the private card key. The central processor associates an account function with the account-variable transaction card and initiates via a first node in a distributed consensus network, an account blockchain associated with the account and the account-variable transaction card. 120-. (canceled)21. A method for activating an account-variable transaction card provided by a card issuer , the account-variable transaction card having a card memory with a private card key and a public card key , the method comprising:receiving, by a processing system of the card issuer from a first account holder device via the network, a request for activation of the account-variable transaction card, the first account holder device being associated with a first account and the request including a first software signature and a first hardware signature;decrypting, by the processing system, the first software signature using a private personal key associated with the first account and the first hardware signature using the first private card key;associating, by the processing system, the account-variable transaction card with the first account;associating, by the processing system, an account function with the account-variable transaction card; andinitiating, by the processing system, an account blockchain associated with the first account and the account-variable transaction card by transmitting blockchain information comprising the first software and hardware signatures to one or more nodes of a distributed computing network.22. A method according to ...

Tear-proof circuit

A circuit including a flexible substrate and at least one electric element attached to the substrate, the substrate including at least one cavity arranged near the electric element and helping to break or distort the electric element in response to a flexion or stretching of the substrate. Application in particular is to the manufacture of tear-proof electronic micromodules.

METHOD FOR VERIFYING THE HOLDER OF A SMARTCARD COMPRISING A BIOMETRIC DATA READER EXCHANGING WITH A TRANSACTION TERMINAL

A method for verifying the holder of a smartcard, the card being of the type comprising a biometric data reader, wherein the card exchanges with a transaction terminal itself equipped with a biometric data reader, wherein the chip of the card checks the availability of biometric data at the reader of the card and implements two different verification processing operations depending on whether or not the biometric data are available at the reader. It also concerns the smartcard with associated biometric data reader. 1. Method for verifying the holder of a smartcard , the card comprising a first biometric data reader , and the card communicating with a terminal comprising a second biometric data reader , wherein the method comprises the following steps carried out by the smartcard:checking the availability of biometric data at the first reader;if biometric data are available at the first reader, implementing first verification processing of these available biometric data;if no biometric data are available at the first reader, implementing second verification processing of biometric data read by the second reader and then received by the smartcard, wherein the second processing differs from the first processing.2. The method according to claim 1 , wherein the first verification processing comprises a comparison of the readout available biometric data with biometric data memorized by the smartcard.3. The method according to claim 1 , wherein the second verification processing comprises a comparison of the biometric data read by the second reader and then received by the smartcard with biometric data memorized by the smartcard.4. The method according to claim 2 , wherein the biometric data memorized by the smartcard are encoded over fewer than 100 octets.5. The method according to claim 1 , wherein the second verification processing comprises verification using an ISO algorithm.6. The method according to claim 1 , comprising transmitting by the smartcard to the terminal ...

SYSTEM AND APPARATUS FOR ENCRYPTED DATA COLLECTION USING RFID CARDS

A secure smart card is described. The smart card can include a processor, a memory and a transceiver. The smart card can communicate with various terminals and store a digital signature and other information on the card. Another terminal can validate the information stored on the smart card using the digital signature. In certain embodiments, the terminal can also validate the information by using a blockchain. The advanced design of the smart card obviates the need for a network connection. 120-. (canceled)21. A payment terminal comprising: [ a first signal including instructions to enable a card processor to store a set of data on a card memory of a card, wherein the set of data includes a count number; and', 'a second signal including instructions to enable the card processor to update the set of data on the card memory, wherein the updating includes incrementing the count number by one unit; and, 'the processor is configured to generate, transmit to the card the first signal and the second signal; and', 'receive from the card a third signal including all the sets of data stored on the memory of the card., 'the transceiver is configured to], 'a processor, a memory and a transceiver, wherein22. The payment terminal of claim 21 , wherein the processor is configured to:generate a digital signature using a private key and the count number; andinclude the digital signature in the set of data.2322. The payment terminal of claim 21 , wherein the processor is configured to:generate a second digital signature using the private key and the sets of data received from the card; andcompare the digital signature with the second digital signature.24. The payment terminal of claim 23 , wherein the processor is configured to:authorize a transaction if the digital signature matches the second digital signature; andgenerate a fourth signal for transmission to the card to mark the sets of data as read.25. The payment terminal of claim 21 , wherein the second signal is configured to ...

SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD

A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from an issuer system. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card. 135-. (canceled)36. A dynamic transaction card for receiving updated account information , the dynamic transaction card comprising:a transceiver for sending data to, and receiving data from, a user device;a microprocessor; and connect, with the transceiver, to the user device;', 'receive, at the transceiver, an activation signal from the user device;', 'activate, with the microprocessor, the inactive account data to create active account data;', 'transmit, with the transceiver, a request for the updated account information for the active account data to the user device;', 'receive, at the transceiver, the updated account information from the user device in an encrypted format; and', 'decrypt, with the microprocessor, the updated account information using the encryption key., 'memory in communication with the microprocessor and storing inactive account data, an encryption key, and a pre-loaded script that, when executed by the microprocessor, causes the dynamic transaction card to37. The dynamic transaction card of claim 36 , further comprising a display; andwherein the pre-loaded ...

System and Computer Implemented Method for Sharing Expenses Using a Dual-Chip Payment Card

The present disclosure relates to a transaction processing system and a method for sharing expenses among multiple peers using a dual-chip payment card. The method includes receiving a request for creating a temporary pool session for a plurality of users from one of the plurality of users having a dual-chip payment card. In response to the request, the method includes creating the temporary pool session, holding a proportional credit amount of each of the plurality of users. Subsequently, the method includes associating the temporary pool session with a secondary chip of the dual-chip payment card of at least one of the plurality of users. Finally, the method includes processing one or more transaction requests received through the secondary chip of the dual-chip payment card of at least one of the plurality of users, using the temporary pool session. 1. A computer-implemented method comprising:receiving a request, for creating a temporary pool session for a plurality of users, from one of the plurality of users having a dual-chip payment card;creating the temporary pool session for holding a proportional credit amount of each of the plurality of users, wherein the temporary pool session is associated with a session identifier;associating the temporary pool session with a secondary chip of the dual-chip payment card of at least one of the plurality of users; andprocessing one or more transaction requests, received through the secondary chip of the dual-chip payment card of at least one of the plurality of users, using the temporary pool session,wherein the method is performed using one or more processors.2. The computer-implemented method of claim 1 , wherein a primary chip of the dual-chip payment card of the plurality of users is linked to a primary account of corresponding plurality of users and a secondary chip of the dual-chip payment card of the plurality of users is linked to one or more secondary accounts of the corresponding plurality of users.3. The ...

SYSTEM AND METHOD FOR VISUALIZING DATA CORRESPONDING TO A PHYSICAL ITEM

A system and method may visualize data related to a payment device and various physical objects. A payment device such as a credit card including an RFID may be placed near a frontend display system that then calls a backend visualization system to show a visual representation of deterministic and probabilistic data related to the payment device and the physical object(s). Additional physical objects may be placed near the display system and identified. The visualization may then be refined based on that additional physical object. Further physical objects may be read by the frontend system to present more detailed visualizations that relate the payment device and the additional physical objects. 1. A computer-implemented method comprising:receiving a first signal from a first contactless component corresponding to a payment device, the first signal including identification data for the payment device;displaying payment network account data for transactions using the payment device, at least one of the transactions including identification data for the payment device;receiving a second signal from a second contactless component corresponding to a physical object, the second signal including identification data for the physical object;identifying, based on identification data for the payment device and the identification data for the physical object, one or more parameters corresponding to the displayed payment network account data, the one or more parameters corresponding to both the payment device and the physical object; andrefining the displayed payment network account data to display one or more visualizations of at least a portion of the displayed payment network account data, the portion of the displayed payment network account data corresponding to the one or more parameters;wherein the method is performed using one or more processors.2. The method of claim 1 , wherein the first signal is received at a first hotspot of a table and the second signal is ...

MULTIPLE SENSOR DETECTOR SYSTEMS AND DETECTION METHODS OF MAGNETIC CARDS AND DEVICES

A powered card may include a plurality of types of sensors used to detect a read-head of a card reader. Detection of a read-head may include comparing characteristics of a detection event to characteristics of an expected detection event and/or a sequence of expected detection events. An inductive read-head sensor may include a coil of a dynamic magnetic stripe communication device. 1. A method , comprising:detecting, by a card, an object with a first type of sensor;activating a second type of sensor; anddetecting, by the card, a property of the object using the second type of sensor.2. The method of claim 1 , wherein the first type of sensor is a capacitive sensor claim 1 , andthe second type of sensor is an inductive sensor.3. The method of claim 1 , wherein the first type of sensor is a capacitive sensor claim 1 ,the second type of sensor is an inductive sensor, andthe property is conductivity.4. The method of claim 1 , further comprising:activating a third type of sensor; anddetecting an ambient property using the third type of sensor.5. The method of claim 1 , further comprising:activating a third type of sensor; anddetecting an ambient property using the third type of sensor,wherein the third type of sensor is a photoelectric sensor.6. The method of claim 1 , further comprising:activating a dynamic magnetic stripe communications device upon the detection of the object by the first type of sensor and the detection of the property of the object by the second type of sensor,wherein the first type of sensor is a capacitive sensor,the second type of sensor is an inductive sensor, andthe property of the object is conductivity.7. A card claim 1 , comprising:a first type of sensor operable to detect an external object;a second type of sensor operable to detect a property of the external object; anda processor operable to communicate data based on the detection of the external object and the property of the external object.8. The card of claim 7 , further comprising:a ...

SYSTEMS AND METHODS FOR ENROLLING A TOKEN IN AN ONLINE AUTHENTICATION PROGRAM

An online transaction system configured to implement authentication methods that allow for strong multi-factor authentication in online environments. The authentication methods can be combined with strong security methods to further ensure that the authentication process is secure. Further, the strong multi-factor authentication can be implemented with zero adoption dependencies through the implementation of automated enrollment methods. 1. An Internet enabled mobile device , comprising:a radio communication interface;a user interface;a browser application configured to enable the Internet enabled mobile device to engage in an online transaction;a standard input device configured to interface with a token that comprises transaction information; capture the transaction information from the token via the standard input device,', 'prompt a user of the device to input a personal identifier via the user interface,', 'provide the transaction information and the personal identifier to an authentication authority for verification of the presence of the token and the identity of the user, and', 'after verification, provide the transaction information to the browser application in order to complete an online transaction., 'an application configured to2. The Internet enabled mobile device of claim 1 , wherein the personal identifier is a PIN.3. The Internet enabled mobile device of claim 2 , wherein the PIN is a graphical PIN.4. The Internet enabled mobile device of claim 1 , wherein the personal identifier at least partially comprises a biometric.5. The Internet enabled mobile device of claim 4 , wherein the biometric includes a fingerprint.6. The Internet enabled mobile device of claim 1 , wherein the transaction information is included in a cryptogram when provided to the browser application.7. The Internet enabled mobile device of claim 1 , wherein the transaction information is included in a cryptogram when provided to the authentication authority.8. The Internet enabled ...

SMART CARD READER WITH PUBLIC KEY INDEX ON HOST DEVICE

Aspects of the subject disclosure provide a reader device for managing transactions using financial instruments with encrypted data storage devices, such as integrated circuit cards (ICC). In some implementations, a reader device of the subject technology can be configured to access the encrypted information in an ICC via an index or table of keys stored on a host device. In operation, upon detecting an ICC, the reader device can obtain application or protocol information for the ICC and concurrently pre-fetch keys from the host device, so that the pre-fetched keys are received prior to or concurrently with the application or protocol information. In the event that the pre-fetch fails to provide the keys needed for the application or protocol of the ICC, the reader device can make a specific request for the exact keys needed for the application or protocol. 1. A point of sale system , comprising:a portable computing device including a merchant transaction processing application and a first storage device configured to store a certificate authority public key (CAPK) index, the CAPK index comprising a plurality of public keys, each of the plurality of public keys corresponding to at least one integrated circuit card (ICC) application; and identifying an ICC application type associated with the ICC,', 'requesting additional application information from the ICC for identifying the ICC application at the ICC,', 'receiving the additional application information from the ICC,', 'before receiving the additional application information from the ICC, pre-fetching one or more first keys of the plurality of public keys in the CAPK index from the portable computing device based on the ICC application type associated with ICC,', 'determining that one of the one or more first keys corresponds to the ICC application, based at least one on the additional application information,', 'after determining that one of the first keys corresponds to the ICC application, using the one of the ...

MEMORY CARD AND DATA STORAGE METHOD

The present invention provides a memory card including: a wireless power supply module, configured to obtain first power from a first wireless external device in a first time period; a contact-type power supply module, configured to obtain second power from a first contact-type external device in a second time period; a wireless communications module, configured to perform wireless communication with the first wireless external device by using ultra-wideband impulse radio in the first time period, to transmit a first read/write instruction; a contact-type communications module, configured to perform contact-type communication with the first contact-type external device in the second time period, to transmit a second read/write instruction; and a storage control module, configured to read or write data corresponding to the first read/write instruction in the first time period and read or write data corresponding to the second read/write instruction in the second time period. 1. A memory card , comprising:a wireless power supply module, configured to receive wireless power supply from a first wireless external device in a first time period, to obtain first power;a contact-type power supply module, configured to receive contact-type power supply from a first contact-type external device in a second time period, to obtain second power;a wireless communications module, connected to the wireless power supply module, and configured to perform wireless communication with the first wireless external device by using ultra-wideband impulse radio and by using the first power in the first time period, to transmit a first read/write instruction from the first wireless external device and first data that needs to be read or written according to the first read/write instruction;a contact-type communications module, connected to the contact-type power supply module, and configured to perform contact-type communication with the first contact-type external device by using the second ...

SYSTEMS AND METHODS FOR SINGLE MESSAGE TRANSACTIONS WITH BATCH SETTLEMENT

A computer-implemented method for processing single message transactions with batch settlement may include receiving a dual-message transaction from a merchant, converting the received dual-message transaction to a single-message transaction, setting a flag on the converted single-message transaction indicating the conversion to a single-message transaction, receiving a batch settlement file from the merchant, for each transaction in the batch settlement file, determining whether the single-message transaction conversion flag is set, upon determining that the single-message transaction conversion flag is not set, storing the transaction for later processing, and upon determining that the single-message transaction conversion flag is set, sending the transaction to a payment network. 1. A computer-implemented method for processing single message transactions with batch settlement , the method comprising:receiving a dual-message transaction from a merchant;converting the received dual-message transaction to a single-message transaction;setting a flag on the converted single-message transaction indicating the conversion to a single-message transaction;receiving a batch settlement file from the merchant;for each transaction in the batch settlement file, determining whether the single-message transaction conversion flag is set;upon determining that the single-message transaction conversion flag is not set, storing the transaction for later processing; andupon determining that the single-message transaction conversion flag is set, sending the transaction to a payment network.2. The computer-implemented method of claim 1 , further comprising:registering the merchant for conversion of dual-message transactions to single-message transactions.3. The computer-implemented method of claim 1 , further comprising:determining whether the received dual-message transaction is authorized; andsending a transaction authorization result message to the merchant.4. The computer-implemented ...

SYSTEMS AND METHODS FOR CHIP-BASED IDENTITY VERIFICATION AND TRANSACTION AUTHENTICATION

Example embodiments of systems, methods, and computer-accessible mediums for identity verification and transaction authentication are provided. An exemplary system can comprise an application, a user device, and a server. The application can prompt a removal of a card chip, prompt an insertion of the card chip into the user device, determine an orientation of the card chip after the insertion of the card chip into the user device, and transmit, to the card chip, a first message. The card chip can encrypt the first message via one or more authentication protocols to generate an encrypted first message, transmit, to the server, the encrypted first message. The server can decrypt the encrypted first message, verify the decrypted first message, and transmit a second message to the application, wherein the application is configured to display a verification notification in response to the second message. 1. An identity verification system comprising:an application comprising instructions for execution on a user device, the user device including a memory, a processor, and a card chip insertion slot; anda server,{'claim-text': ['prompt a removal of a card chip,', 'prompt an insertion of the card chip into the user device,', 'determine an orientation of the card chip after the insertion of the card chip into the user device,', 'transmit, to the card chip, a first message, wherein the card chip is configured to encrypt the first message via one or more authentication protocols to generate an encrypted first message, and', 'transmit, to the server, the encrypted first message;'], '#text': 'wherein the application is configured to:'}{'claim-text': ['decrypt the encrypted first message,', 'verify the decrypted first message, and', 'transmit a second message to the application; and'], '#text': 'wherein the server is configured to:'}wherein the application is configured to display a verification notification in response to the second message.2. The identity verification system of ...

TRANSACTION PROCESS FOR SMART CHIP CARD TRANSACTIONS

Systems and methods for processing financial transactions using smart chip technology are disclosed. The present invention provides for payments to be made to multiple payees with a single transaction performed via a single insertion or dip of a smart chip card into a smart chip terminal or a single tap of the smart chip card within a predetermined proximity of a smart chip terminal. Specific applications include transactions which include principal payment amounts paid to a first party with convenience fees and/or surcharges paid to a second party for the principal transaction. 1. A method for processing multiple payments in a single smart chip card transaction at a smart chip terminal comprising:a smart chip terminal establishing communication with a smart chip card;the smart chip terminal determining an application kernel on the smart chip card to use for the multiple payments;the smart chip terminal extracting a primary account number for the smart chip card;the smart chip terminal transmitting a first authorization request for a first payment including the primary account number to a payment processing gateway;the payment processing gateway processing the first authorization request as an authorization request for a non-smart chip transaction;upon receiving a positive authorization response from the payment processing gateway for the first authorization request, the smart chip terminal requesting a first transaction certificate from the smart chip card to complete processing of the first payment;the smart chip terminal transmitting a second authorization request for a second payment to the payment processing gateway; andupon receiving a positive authorization response from the payment processing gateway for the second authorization request, the smart chip terminal requesting a second transaction certificate from the smart chip card to complete processing of the second payment.2. The method of claim 1 , wherein the primary account number is obtained via track 2 ...

APPARATUS AND METHOD FOR EMULATING TRANSACTIONAL INFRASTRUCTURE WITH A DIGITAL TRANSACTION PROCESSING UNIT (DTPU)

Digital transaction apparatus including a Data Assistance Device (DAD), including a user interface that is operable to at least select data, and a DAD transmitter, a Digital Transaction Card (DTC), including a Digital Transaction Processing Unit (DTPU), and a DTC receiver, wherein the DAD and DTC are operable to transfer data from the DAD to the DTC and when subsequently using the DTC to effect a digital transaction, the DTC operates in accordance with data selected and transferred from the DAD to the DTC, wherein the DTPU is configured to enable data communication with a digital transaction device during a digital transaction, the DTPU operable to receive and execute one or more commands that emulate commands received from the digital transaction device. 1. Digital transaction apparatus including: 'a user interface that is operable to at least select data, and a DAD transmitter;', 'a Data Assistance Device (DAD), including 'a Digital Transaction Processing Unit (DTPU), and a DTC receiver, wherein the DAD and DTC are operable to transfer data from the DAD to the DTC and when subsequently using the DTC to effect a digital transaction, the DTC operates in accordance with data selected and transferred from the DAD to the DTC, wherein the DTPU is configured to enable data communication with a digital transaction device during a digital transaction, the DTPU operable to receive and execute one or more commands that emulate commands received from the digital transaction device.', 'a Digital Transaction Card (DTC), including2. Digital transaction apparatus according to claim 1 , wherein the emulation is of one or more functions that would otherwise be enacted with the DTC in operation with the digital transaction device.3. Digital transaction apparatus according to claim 1 , wherein the transferred data includes data pertaining to one or more selectable personalities.4. Digital transaction apparatus according to claim 1 , wherein the selected and transferred data includes ...

MULTI-FUNCTION TRANSACTION CARD

A system to provide a multi-function transaction card is disclosed. In one example, the system includes a card and a functionality transfer unit. The card incorporates a magnetic stripe for transmitting data to and recording data from the functionality transfer unit and for the making of magnetic stripe-based transactions, and contact and contactless provisions for transmitting data to and receiving data from said functionality transfer unit, for the making of contact or contactless transactions and for the card to receive electrical current. The functionality transfer unit is operated to read data from a conventional transaction card, to analyze the data to extract that required to permit said multi-function card to operate as a clone of the conventional transaction card. Commands are inputted via a selection of commands in a display of the functionality transfer unit and executed via pressing of an “Execute” button. 1. A system to provide a multi-function transaction card comprising a card and a functionality transfer unit , said card being morphologically similar to conventional transaction cards and incorporating , externally , a magnetic stripe for transmitting data to and recording data from said functionality transfer unit and for the making of magnetic stripe-based transactions , and a contact module of the type normally used in conventional transaction cards for transmitting data to and from said functionality transfer unit , for receiving electrical current from said functionality transfer unit and for the making of contact-mode transactions; and , internally , one or more aerials to receive data and radio-frequency energy from said functionality transfer unit and for the transmitting of radio-frequency energy in the making of contactless-mode transactions , one or more microprocessors , a suitable rechargeable battery , battery charging means , and electrical current collection means , all said components being connected together , as appropriate , by ...

PHYSICAL CARD ENABLING UTILIZATION BASED ON LOCATION

There are provided systems and methods for a physical card having one or more location detection modules A physical payment card may include one or more components to limit card reading of card data stored to the card using a location detection chip. The location detection chip may receive power from a source when inserted to a card reader, and may then determine a location of the card, such as a coordinate location of the card or nearby detected device. The location detection chip may determine if this location or device matches authorized locations stored in a memory of the card. If it does, power may be provided to a card chip of the card. The card chip of the card reads card data from a memory of the card and may then output the card data to the card reader. 1at least two power connections configured to receive power from a power supply via at least one power conducting point on the physical card;a card chip comprising payment card data, wherein the card chip is configured to provide the payment card data to an external card reader in response to receiving the power through the at least two power connections;a gate for the at least two power connections and configured to provide the power to the card chip in response to receiving the power and a signal from the at least two power connections; anda location detection chip configured to provide the signal through one of the at least two power connections to the gate in response to detecting that a location of the physical card is an authorized location.. A physical card comprising: This application is a continuation of U.S. application Ser. No. 16/714,648 filed Dec. 13, 2019 which is incorporated herein by reference in its entirety.The present application generally relates to physical cards having stored card data, and more particularly to location-specific physical cards for limited card reading at authorized locations.Physical “cards” or other small objects may be utilized to store data, such as magnetic stripes ...

LIMITED OPERATIONAL LIFE PASSWORD FOR DIGITAL TRANSACTIONS

Digital transaction apparatus including a Data Assistance Device (DAD), including a user interface that is operable to at least select data, and a DAD transmitter, a Digital Transaction Card (DTC), including a Digital Transaction Processing Unit (DTPU), and a DTC receiver, wherein the DAD and DTC are operable to transfer data from the DAD to the DTC, wherein, a communications link carries data between the DAD and the DTC by the DAD transmitter and the DTC receiver, wherein the DAD is operable to obtain one or more Limited Operational Life Passwords (LOLPs), and, the DAD is operable to send the one or more LOLPs to the DTC, such that the DTC secure element stores at least one of the one or more LOLPs, thus enabling the DTC to perform a transaction with the at least one digital transaction device when the at least one of the one or more LOLPs is provided to the digital transaction device during the at least one LOLPs operational life. 1. Digital transaction apparatus including: 'a user interface that is operable to at least select data, and', 'a Data Assistance Device (DAD), including a Digital Transaction Processing Unit (DTPU), and a DTC receiver,', 'wherein the DAD and DTC are operable to transfer data from the DAD to the DTC and when subsequently using the DTC to effect a digital transaction, the DTC operates in accordance with the data selected and transferred from the DAD to the DTC,', 'wherein, subsequent to the formation of a communications link between the DAD and the DTC, the communications link carries data between the DAD and the DTC by the DAD transmitter and the DTC receiver, wherein the DAD is operable to obtain one or more Limited Operational Life Passwords (LOLPs), and, the DAD is operable to send the one or more LOLPs to the DTC, such that the DTC secure element stores at least one of the one or more LOLPs, thus enabling the DTC to perform a transaction with the at least one digital transaction device when the at least one of the one or more LOLPs is ...

IC CARD-BASED TRANSACTION PROCESSING AND CREDIT PAYMENT AUTHORIZATION METHOD, DEVICE, AND SYSTEM

This specifications describes techniques for processing transactions. A card reading terminal device associated with an integrated circuit (IC) card issuer identifies an IC card associated with the IC card issuer and associated with a current transaction. The card reading terminal device determines that the IC card satisfies a predetermined credit payment condition. In response to determining that the IC card satisfies the predetermined credit payment condition, the card reading terminal device completes the current transaction. The card reading terminal device generates transaction information associated with the current transaction. The IC card issuer generates a deduction request that includes the transaction information associated with the current transaction. The IC card issuer sends the deduction request to a credit authorizer, wherein the credit authorizer registers a payment account of an IC card holder in advance. The IC card issuer performs a settlement with the credit authorizer for the current transaction. 1. A computer-implemented method for processing transactions , comprising:identifying, by a card reading terminal device associated with an integrated circuit (IC) card issuer, an IC card associated with the IC card issuer and associated with a current transaction;determining, by the card reading terminal device, that the IC card satisfies a predetermined credit payment condition;in response to determining that the IC card satisfies the predetermined credit payment condition, completing, by the card reading terminal device, the current transaction associated with the IC card;generating, by the card reading terminal device, transaction information associated with the current transaction;generating, by the IC card issuer, a deduction request that includes the transaction information associated with the current transaction;sending, by the IC card issuer, the deduction request to a credit authorizer, wherein the credit authorizer registers a payment ...

SYSTEMS AND METHODS FOR VERIFYING USERS, IN CONNECTION WITH TRANSACTIONS USING PAYMENT DEVICES

Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, in response to a payment device being inserted at a terminal, initiating, by a security chip of the payment device, a timer and capturing, by a biometric sensor of the payment device, a fingerprint while the timer is unexpired. The method also includes verifying, by the security chip, the captured fingerprint against reference fingerprint data stored in memory in the payment device and, in response to the captured fingerprint being verified, while the timer is unexpired, initiating, by the security chip, with the terminal, a transaction to an account using an account number specific to a biometric application of the payment device. An issuer can recognize verification of a user associated with the fingerprint based on the account number in an authorization request, instead of a different account number for the account. 1. A system comprising a payment card device , wherein the payment card device is associated with a payment account and comprises:a fingerprint sensor; anda security chip coupled to the fingerprint sensor and including a payment application, a verification application, a biometric application, and reference fingerprint data stored in the security chip;wherein the security chip is configured to initiate a timer and invoke the verification application when the security chip is powered by a terminal; capture fingerprint data at the fingerprint sensor when the timer is unexpired;', 'compare the captured fingerprint data against the reference fingerprint data;', 'in response to the timer expiring without a match between the captured fingerprint data and the reference fingerprint data, launch the payment application; and', 'in response to a match between the captured fingerprint data and the reference fingerprint data, while the timer is unexpired, launch the biometric application;, 'wherein the security chip is configured, by the ...

Method of Manufacturing an Electronic Card

The present application relates to overcoming some of the physical problems associated with putting a biometric sensor into the body of an electronic card, such as a smart card. A disclosed method of manufacturing an electronic card including a biometric sensor may include providing a preformed card body including a circuit having contacts for connection to a biometric sensor, the contacts being embedded within the preformed card body, removing material from the preformed card body to form a cavity in the preformed card body to expose the contacts, coating walls of the cavity with an adhesive epoxy, and connecting a biometric sensor to the contacts using an conductive epoxy. Also disclosed is an electronic card including a biometric sensor manufactured by this method.

ADVANCED SMART CARDS WITH INTEGRATED ELECTRONICS IN BOTTOM LAYER INCLUDING BATTERIES, SWITCHES, DISPLAYS, AND FINGERPRINT SENSORS

An advanced smart card comprising a top layer, a core layer of thermoset polymeric material, and a bottom layer comprising an Integrated Electronics Assembly. The Integrated Electronics Assembly may comprise a battery, a processor, a display, a switch, a magnetic stripe communications device, a flexible printed circuit, a fingerprint sensor, a biometric sensor, and an acoustic speaker. The advanced smart card may be used for functions such as: access control for building entry, data display for bank cards or ATM cards, password entry for identification cards, and fingerprint verification for security-related applications. 1. An advanced smart card comprising a top layer , a core layer of thermoset polymeric material , and a bottom layer comprising an Integrated Electronics Assembly.2. The card of claim 1 , in which the Integrated Electronic Assembly comprises a dynamic magnetic stripe communications device.3. The card of claim 1 , wherein the integrated electronics assembly comprises a flexible printed circuit board.4. The card of claim 1 , wherein the integrated electronics assembly comprises an acoustic speaker.5. The card of claim 1 , wherein the integrated electronics assembly comprises a fingerprint sensor.6. The card of claim 1 , wherein the integrated electronics assembly comprises a biometric sensor.7. The card of claim 1 , wherein the integrated electronics assembly comprises a battery claim 1 , a display claim 1 , a processor claim 1 , and a switch.8. The card of claim 1 , wherein the integrated electronics assembly comprises a battery claim 1 , a processor claim 1 , a dynamic magnetic stripe communications device claim 1 , five (5) switches and two (2) displays.9. The card of claim 1 , wherein the integrated electronics assembly comprises a battery claim 1 , a processor claim 1 , two (2) LED displays claim 1 , two (2) switches claim 1 , and a dynamic magnetic stripe communications device.10. The card of claim 1 , wherein the top layer comprises an ...

INTEGRATED CIRCUIT AND MANUFACTURING METHOD THEREOF

An integrated circuit and a manufacturing method thereof are provided. A chip size can be reduced by forming a memory device in which a ferroelectric capacitor region is laminated on a DRAM. The integrated circuit includes a cell array region having a capacitor, a peripheral circuit region, and a ferroelectric capacitor region being formed on an upper layer of the cell array region and the peripheral circuit region, and having a ferroelectric capacitor device. 123-. (canceled)24. An integrated circuit , comprising:an analog block for receiving a radio frequency signal and outputting an operation command signal;a digital block for generating and outputting an address and an operation control signal according to the operation command signal from the analog block and outputting a response signal corresponding to the operation command signal to the analog block; anda memory block for receiving the operation control signal, generating an internal signal, and reading/writing data on a nonvolatile ferroelectric capacitor device according to the internal signal,wherein a ferroelectric capacitance unit having a ferroelectric capacitor device is formed on an upper layer of a peripheral circuit region.25. The integrated circuit according to claim 24 , wherein the ferroelectric capacitance unit is shared by the peripheral circuit region.26. The integrated circuit according to claim 24 , wherein metal lines allocated to the ferroelectric capacitance unit are disconnected from the ferroelectric capacitor device when the ferroelectric capacitor device is not used.27. The integrated circuit according to claim 24 , wherein the peripheral circuit region is a CMOS circuit region comprising of active and passive devices including a CMOS.28. The integrated circuit according to claim 27 , wherein the ferroelectric capacitance unit is formed using a lamination process at the upper layer of the CMOS circuit region.29. An integrated circuit claim 27 , comprising:an analog block for ...

SECURE SEMICONDUCTOR CHIP AND OPERATING METHOD THEREOF

Disclosed is a secure semiconductor chip. When a physical attack such as a depackaging attack occurs, the semiconductor chip can detect the physical attack. A semiconductor chip according to one embodiment comprises an energy harvesting element inside a package. The energy harvesting element may comprise, for example, an on-chip photodiode. A depackaging attack causes the generation of a voltage of a photodiode, and thus a change in physical state of the packaging can be detected. 1. A semiconductor chip comprising:at least one data bus configured to transmit data processed by the semiconductor chip;an electric potential generator block packaged together with the at least one data bus to be blocked from external light by a package, the electric potential generator block configured to detect an event in which the package is unable to block the external light; anda switch configured to block a transmission of at least some data in the at least one data bus if the event is detected.2. The semiconductor chip of claim 1 , wherein the electric potential generator block comprises an energy harvesting element configured to generate energy by using the light when exposed to the external light.3. The semiconductor chip of claim 1 , wherein the electric potential generator block comprises:at least one photodiode configured to generate a current when exposed to the external light;a capacitor configured to store an electric charge caused by at least a portion of the current; anda pull-down resistor configured to discharge the electric charge from the capacitor.4. The semiconductor chip of claim 3 , wherein the switch is turned on to discharge at least some data from the at least one data bus to the ground and thereby block the transmission claim 3 , the switch turned on by a potential difference occurring at both ends of the pull-down resistor during a discharge of the electric charge by way of the pull-down resistor.5. The semiconductor chip of claim 4 , wherein the pull-down ...

SEMICONDUCTOR DEVICE

In a semiconductor device that generates a power supply voltage from an RF carrier signal received by an antenna through the use of a rectification circuit, rectification circuits, each including a plurality of capacitors and a plurality of diodes, are connected in multistage. The rectification circuits includes limiter circuits that are turned on at a voltage larger than an on-voltage of the diodes, clamp cathodes of the diodes at a first voltage. The limiter circuits and the diodes are connected in parallel between the capacitors connected to the antenna connection terminal and a node supplied reference potential VSS of the power supply voltage. 1. A semiconductor device comprising:an antenna that transmits and receives a wireless signal; anda rectification circuit that includes unit rectification circuits connected in multistage and generates a power supply voltage from the wireless signal received by the antenna connected to the rectification circuit through an antenna connection terminal, each unit rectification circuit includes a plurality of capacitors and a plurality of diodes,wherein the rectification circuit includes limiter circuits that are turned on at a voltage larger than an on-voltage of the diodes, clamp cathodes of the diodes at a first voltage, andthe limiter circuits and the diodes are connected in parallel between the capacitors connected to the antenna connection terminal and a node supplied a reference potential of the power supply voltage.2. The semiconductor device according to claim 1 , whereinthe limiter circuits are diode-connected MOS transistors connected between the capacitors connected to the antenna connection terminal and the node supplied reference potential of the power supply voltage.3. The semiconductor device according to claim 2 , whereinthe first voltage is smaller than a threshold voltage of a parasitic bipolar transistors constituted of the diodes of the rectification circuit.4. The semiconductor device according to claim 2 ...

Antifraud Resilient Transaction Identifier Datastructure Apparatuses, Methods and Systems

The Antifraud Resilient Transaction Identifier Datastructure Apparatuses, Methods and Systems (“ARTID”) transforms PIN, unique user identifying device datastructure inputs via ARTID components into secure payment authorization outputs. The ARTID includes a virtual secure element datastructure transaction apparatus, comprising, a memory, a component collection in the memory, and a processor disposed in communication with the memory, and configured to issue a plurality of processing instructions from the component collection stored in the memory. ARTID includes instructions to: obtain request to generate a tamper resistant asset account from a requestor, and instantiate a new tamper resistant asset account, wherein the account is populated with the requestor identifier, unique requestor device identifier, a secure cryptographic element for the tamper resistant account. ARTID also includes instructions to provide a message to generate a new physical account card and an associated virtual account card associated with the tamper resistant asset account, and obtain a request to engage the virtual account card in a transaction, wherein the request includes the user access credential. ARTID also includes instructions to generate a card access event message from the request to engage the virtual account card, provide the card access event message to a payment network, and obtain a card access event authorization response. 1. A virtual secure element datastructure transaction apparatus , comprising:a memory;a component collection in the memory; [ wherein the requestor identifier includes any of: requestor name, requestor address, account identifier, requestor, phone number, social security number,', 'wherein the unique requestor device identifier includes any of: UUID, storage device unique identifier, unique operating system identifiers, cryptographic signature of the device, cryptographic hashes of any of: the unique requestor device identifier and the requestor identifier ...

EXPEDITED ISSUANCE AND ACTIVATION OF A TRANSACTION INSTRUMENT

A method and computer program code for expediting issuance and activation of transaction instruments upon application therefor. A first set of application information is collected from an applicant. The first set of application information is processed to determine whether all required information has been obtained. If the first set of application information comprises less than all information required to issue and activate the transaction instrument, then the application process is completed and the transaction instrument is provided to the applicant in an unactivated state. The applicant is required to communicate with the transaction instrument issuer to provide the issuer with a second set of required application information. The accuracy of the second set of required application information is verified, and then the transaction instrument is activated after the second set of required application information has been verified. 121.-. (canceled)22. A computer-based system for expediting issuance and activation of credit cards , the computer-based system comprising:a new account system configured to implement a credit card application user interface for receiving, via a networked communication channel, transaction account application information from a credit card applicant;a credit authorization system having data field screening capabilities for screening pending applications received by the new account system for completeness, wherein the credit authorization system is configured to generate a transaction account warning notification for incomplete applications that are missing one or more data items required under federal law;a work list queue configured to store a data list of pending credit card applications having transaction account warning notifications generated by the credit authorization system because they are missing the one or more data items required under federal law;an accounts receivable system configured to generate electronic instructions for ...

ANTENNA MODULE

An antenna module includes a base including two opposing mounting surfaces, an antenna coil provided on or in the base so as to define an opening, the antenna coil having a shape that is symmetrical or substantially symmetrical with respect to a reference plane, and an IC chip and a plurality of electronic components mounted on one of the mounting surfaces and electrically coupled to the antenna coil, the IC chip and the electronic components being arranged inside the opening when viewed in plan from a normal direction of the mounting surface. At least two of the plurality of electronic components are arranged so as to be symmetrical or substantially symmetrical to each other with respect to the reference plane when viewed in plan from the normal direction. 1. (canceled)2. An antenna module comprising:a base including two opposing mounting surfaces;an antenna coil provided on or in the base so as to define an opening, the antenna coil having a shape that is symmetrical or substantially symmetrical with respect to a reference plane; andan IC chip and a plurality of electronic components mounted on one of the mounting surfaces and electrically coupled to the antenna coil, the IC chip and the electronic components being arranged inside the opening when viewed in plan from a normal direction of the mounting surfaces; whereinat least two of the plurality of electronic components are arranged so as to be symmetrical or substantially symmetrical to each other with respect to the reference plane when viewed in plan from the normal direction.3. The antenna module according to claim 2 , wherein each of the electronic components that are arranged so as to be symmetrical or substantially symmetrical to each other with respect to the reference plane is closer to the reference plane than to the antenna coil.4. The antenna module according to claim 2 , wherein the IC chip and at least another one of the plurality of electronic components are arranged on the reference plane when ...

METHODS AND SYSTEMS OF A RADIO FREQUENCY NETWORK NODE RFID TAG WITH HARDENED MEMORY SYSTEM

In embodiments of the present invention improved capabilities are described for a Radio Frequency identification (RFID) tag that includes an OTP-based hardened memory system for the RFID tag. 1. A method , comprising:providing a radio frequency identification (RFID) tag comprising a memory location, the memory location comprising a plurality of one time programmable (OTP) non-volatile memory locations configured to enable the memory location to emulate a hardened memory;receiving, at the RFID tag, an interrogation signal from an RFID interrogator comprising a command to store data to the RFID tag, wherein the RFID tag stores the data to a first OTP non-volatile memory location and a second OTP non-volatile memory location where the data stored to the second OTP non-volatile memory location is redundant with the data stored to the first OTP non-volatile memory location;receiving, at the RFID tag, an interrogation signal from the RFID interrogator comprising a command to read the data from the RFID tag;running a memory test to determine if the first OTP non-volatile memory location has been damaged; andreading and transmitting the data from the second OTP non-volatile memory location if the first OTP non-volatile memory location is damaged.2. The method of claim 1 , wherein the hardened memory resists the effects of environmental changes due to an increase in mechanical vibration.3. The method of claim 1 , wherein the hardened memory resists the effects of environmental changes due to a change in temperature.4. The method of claim 1 , wherein the hardened memory resists the effects of environmental changes due to a change in humidity.5. The method of claim 1 , wherein the hardened memory resists the effects of environmental changes due to an increase in ionizing radiation.6. The method of claim 1 , wherein the hardened memory resists the effects of environmental change due to mechanical shock.7. The method of claim 1 , wherein the OTP non-volatile memory locations are ...

SYSTEM TO IDENTIFY VULNERABLE CARD READERS

Example embodiments relate to a network-based vulnerability detection system configured to access a database of customer transaction data corresponding to a set of card readers that includes transaction codes, receive an identification of a set of compromised card readers among the set of card readers, identify common transaction codes within the transaction data of the set of compromised card readers, and correlate the common transaction codes to one or more instances of fraud associated with the compromised set of card readers. In some example embodiments, the vulnerability detection system may be applied to monitor one or more card readers, receive transaction data corresponding to transaction conducted through the card readers, identify the common transaction codes correlated to the instances of fraud, and cause display of a notification that includes an indication of the instance of fraud at a client device. 2. The method of claim 1 , wherein the method further comprises:receiving the historical transaction data from the set of devices;receiving an identification of the instance of fraud among the historical transaction data, the identification identifying the transaction code; andgenerating the correlation between the transaction code and the instance of fraud.3. The method of claim 2 , wherein the historical transaction data comprises a set of timestamps that indicate a time of a transaction claim 2 , and wherein the receiving the identification of the instance of fraud among the historical transaction data includes:receiving an identification of a time period correlated with the instance of fraud;identifying a subset of the historical transaction data based on the time period and the set of timestamps; andcorrelating the subset of the historical transaction data with the instance of fraud.4. The method of claim 1 , wherein the method further comprises:causing display of a notification at a client device in response to the identifying the transaction code ...

SENSOR TAG AND METHOD OF PROVIDING SERVICE USING THE SAME

A sensor tag includes: a tag chip that receives a supply of a driving voltage that is generated from a radio frequency (RF) signal that is received from a reader and that transmits sensor data to the reader according to a request from the reader; at least one sensor that receives a supply of a necessary driving voltage from the tag chip and that measures corresponding sensor data; and a micro controller unit (MCU) that receives a supply of a necessary driving voltage from the tag chip and that transfers sensor data that is measured from the at least one sensor to the tag chip. 1. A sensor tag that communicates with a reader , comprising:a tag chip that receives a driving voltage that is generated from a radio frequency (RF) signal that is received from the reader and that transmits sensor data to the reader according to a request from the reader;at least one sensor that receives a supply of a necessary driving voltage from the tag chip and that measures corresponding sensor data; anda micro controller unit (MCU) that receives a necessary driving voltage from the tag chip and that transfers sensor data that is measured from the at least one sensor to the tag chip.2. The sensor tag of claim 1 , wherein the tag chip comprises a data storage memory that stores sensor data that is measured from the at least one sensor.3. The sensor tag of claim 1 , wherein the MCU comprises a data storage memory that stores sensor data that is measured from the at least one sensor.4. The sensor tag of claim 1 , wherein the tag chip and the MCU are formed into one chip.5. The sensor tag of claim 1 , further comprising an energy harvest device that charges a DC voltage and that supplies the DC voltage to the at least one sensor and the MCU.6. The sensor tag of claim 5 , wherein the energy harvest device comprises:a solar cell that converts light energy from the sun to a DC voltage;a charging battery that charges a DC voltage that is converted by the solar cell;a DC-DC converter that ...

NFC TAG AND SMART DEVICE FEATURING NFC

An NFC tag includes a storage unit that stores instructions including two or more functions received from an NFC writer or an input device, and a data exchange unit that transfers the instructions to an NFC reader. A smart device includes an NFC writer configured to input instructions including two or more functions into an NFC tag and an NFC reader configured to receive the instructions from the NFC tag. A method for inputting instructions into an NFC tag using a smart device. 1. An NFC tag comprising:a storage unit configured to store instructions including two or more functions received from an NFC writer or an input device; anda data exchange unit configured to transfer the instructions to an NFC reader,wherein the two or more functions are set by a preset scenario.2. The NFC tag of claim 1 , wherein the two or more functions are automatically executed according to a preset priority order by the NFC reader or a device including the NFC reader that has received the instructions.3. The NFC tag of claim 1 , wherein the NFC writer or the input device are separated from the NFC tag and configured to wirelessly input the instructions into the NFC tag.4. The NFC tag of claim 1 , wherein the storage unit stores the instructions in text form.5. A smart device comprising:an NFC writer configured to input instructions including two or more functions into an NFC tag;an NFC reader configured to receive the instructions from the NFC tag; anda memory configured to store a dedicated application which sets the two or more functions according to a preset scenario and controls the NFC writer.6. The smart device of claim 5 , wherein the two or more functions are automatically executed in response to the NFC reader receiving the instructions according to a preset priority order.7. The smart device of claim 5 , wherein the scenario is preset according to a location of the NFC tag.8. The smart device of claim 5 , wherein the dedicated application converts the instructions into text ...