Sequent Software, Inc.

Vivotech, Inc.

T. I. S.

Other

Ixi Mobile (r&d), Ltd.

Ixi Mobile (Israel) Ltd.

Gfa Worldwide, Inc.

Hans Reisgies

David E Brudnicki

Andrew Weinstein

Michael E Craft

Peter Milov

William S Johnson, Jr

Amit Haller

Ziv Haparnas

A system and method for electronic payment that involves generating and then using a temporary token based on a legacy PAN (Primary Account Number) to conduct an electronic transaction. The token is generated by transforming the PAN using specific inputs such that the original PAN can be recovered by manipulating the token in various ways as disclosed herein. One potential manipulation that may be used is encryption/decryption. The token is transmitted to a portable electronic device such that the portable electronic device may present the token to a point-of-sale device. The POS communicates the token to a server which validates the token by, among other things, recovering the PAN. If the PAN is recovered as expected a validation message is returned to the POS device.

System and method for a self-calculating token vault

A system for generation, storage, administration and use of one or more digital secrets in association with a portable electronic device. The system comprises a highly secured memory that stores only one or more master keys; a keystore implemented in the portable electronic device outside of the highly secured memory; one or more cryptography applets implemented in the portable electronic device outside of the highly secured memory; and a highly trusted intermediary module (ThIM) implemented outside of the highly secured memory, the ThIM establishes and manages a highly trusted communication conduit between the highly secured memory, the keystore, the one or more cryptography applets, and at least one third party application, wherein the ThIM polls the portable electronic device, the highly secured memory, the keystore, the one or more cryptography applets to determine a trust score, initialization cost, and transaction cost for each component in the portable electronic device, the ThIM providing a trusted third party application acceptable interaction parameters based on the trust score, the initialization cost, and the transaction cost, the ThIM managing highly trusted communications between the trusted third party application and the highly secured memory in accordance with the acceptable interaction parameters.

System and method for generation, storage, administration and use of one or more digital secrets in association with a portable electronic device

A system for providing first and second trusted applications diverse permission to communicate via a secure element. The system comprising first digital identifier and digital token operably associated with the first trusted application; a second digital identifier and digital token operably associated with the second trusted application. The system further includes a card services module that provides an application programming interface to the secure element supported by a secure data table including first and second sets of permissions. The card services module issues one or more commands to the secure element based on a first action requested by the first trusted application in conjunction with the presentation of the first digital token only if the one or more commands will not violate the first set of permissions. A method is also disclosed.

System and method for providing diverse secure data communication permissions to trusted applications on a portable communication device

A system for using a dynamic temporary credential with a portable communication device for use in a transaction with an electronic control point (e.g. point of sale, NFC access point) wherein the portable communication device has a geo-location module (e.g. GPS). The system has a centralized module that receives the portable communication device's current geo-location and transmits the dynamic temporary credential to the portable communication device and provides predictive transaction information&#x2014;including the dynamic temporary credential and portable communication device's geo-location&#x2014;to an authorization system operably associated with the electronic control point. The dynamic temporary credential has a predetermined time to live, which allows for the recycling of the dynamic credential, such recycling may take into account the geo-location for which the credential has been recently issued. A method for using a dynamic temporary credential with a portable communication device is also disclosed.

System and method for one-time payment authorization in a portable communication device

A system for providing an application associated with a portable communication device the ability to communicate via a secure element. The system has a digital identifier and digital token operably associated with the application; a card services module that provides an application programming interface to the secure element; and a secure data table associated with the card services module. The secure data table includes a list of trusted applications each identifiable by paired digital identifier and token. The card services module [includes] compares the identifier and the token with each of the identifier-token pairs in the table until a match indicates the application is trusted. The card services module issues commands to the secure element based on an action requested by a trusted application in conjunction with the presentation of the digital token. A method of providing an application with the ability to communicate via secure element is also disclosed.

System and method for providing secure data communication functionality to a variety of applications on a portable communication device

A system for presentation of multiple NFC credentials via an NFC baseband in a portable communication device during a single NFC transaction. The system comprises a secure element having a directory of available NFC credentials stored therein, wherein the ordering of the available NFC credentials usually indicates the priority. The system further comprises a pre-determined multiple-credential start Application ID (AID) wherein the directory includes a plurality of NFC credentials after the pre-determined multiple-credential start AID. A method for presenting multiple NFC credentials during a single NFC transaction is also disclosed.

System and method for presentation of multiple NFC credentials during a single NFC transaction

The subject matter described herein includes an RFID payment terminal with a display-embedded antenna. According to one aspect, an RFID payment terminal with a display-embedded antenna includes a display for graphically displaying payment information to a user. An RFID antenna is embedded in a portion of the display used for displaying the payment information to a user and for communicating with an RFID device of the user to receive transaction information form the RFID device. An RFID payment module is coupled to the antenna for receiving the transaction information and for effecting the payment transaction.

Radio frequency identification (RFID) payment terminal with display-embedded RFID antenna

A system for controlling an event on a mobile communication device is provided. The system comprising at least one circuit for receiving a message communicated over a wireless communication network; and at least one circuit for converting the message to a command executable by a processor of a mobile communication device to trigger performance of a first event on the mobile communication device.

Event control system and method for a mobile communication network

A system, method and computer readable medium allows a user to alter output signals for a respective plurality of devices in short distance wireless network in response to a selection of an environment. In embodiments of the present invention, the output signal is a ring tone, alarm, display brightness, vibration signal, or type of language used. In embodiments of the present invention, a system comprises a cellular device and a first device, in a short distance wireless network. The cellular device generates a first short-range radio signal responsive to a selection of an environment. The environment is selected from the group consisting of a meeting, silence, normal and outdoors. According to another embodiment of the present invention, the selection of the environment includes 1) a user pressing a button indicating a selection of the environment 2) a second device, in the short distance wireless network, generating a second short-range radio signal indicating a selection of the environment, 3) a software component, such as a calendar program, selection in response to a user input, or 4) a user making a selection at a web site stored at a processing device. In an embodiment of the present invention, the second device is positioned at an entertainment location.

Method, system and computer readable medium for adjusting output signals for a plurality of devices in a short distance wireless network responsive to a selected environment

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San Jose, CA, United States of America

Hans Reisgies