A mobile device includes a smartcard controller that does not rely on power received from an interrogating RF field. The mobile device also includes a small inductive device capable of inductive coupling with an RFID reader. The smartcard controller includes circuitry to modulate an impedance of a port coupled to the inductive element when in the presence of an interrogating RF field at substantially 13.56 MHz.
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
H04B 1/3816 - Mechanical arrangements for accommodating identification devices, e.g. cards or chipsTransceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving with connectors for programming identification devices
H04B 5/70 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes
H04B 5/77 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for interrogation
A user device transmits a digital representation of a document or contract to a document or contract validation system through one or more channels. The document or contract validation system validates the document or contract before submitting the document or contract to a transaction system as a valid transaction. The digital representation of the document or contract may include one or more sets of parameters that are useful in the validation process.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04N 1/00 - Scanning, transmission or reproduction of documents or the like, e.g. facsimile transmissionDetails thereof
A mobile device is described with apparatus and software for fast and secure access to banking information. In at least one embodiment, a mobile device comprises an antenna; and one or more circuitries coupled to the antenna, wherein the one or more circuitries are to execute instructions to receive account information for a user directly from a financial institution based at least in part on direct interaction with the financial institution without having a device, which is not the mobile device, interact with the financial institution to gather the account information.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
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.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 7/00 - Methods or arrangements for sensing record carriers
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
H04M 1/72412 - User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories using two-way short-range wireless interfaces
5.
SECURE TRANSACTION USING POINT-OF-USER-INTERACTION APPARATUS AND METHOD THEREOF
A mobile device is described having an antenna to detect a communication target from a point-of-user-interaction apparatus near the mobile device. The mobile device includes a reader that initiates a transmission of a command to the point-of-user-interaction apparatus and reads a response from the point-of-user-interaction apparatus. A display unit changes its display based on the response and/or the communication target. A circuitry executes instructions to receive a first authentication information from the point-of-user-interaction apparatus. The point-of-user-interaction apparatus transmits a second authentication information to a computing device. The circuitry executes instructions to send the first authentication information to the computing device. The computing device authenticates a transaction between the point-of-user-interaction apparatus and the mobile device via the first and second authentication information and notifies the circuitry of a valid transaction between mobile device and the point-of-user-interaction apparatus after the computing device authenticates the transaction. Unique ID(s) are also exchanged between the mobile device and the point-of-user-interaction apparatus.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
A mobile device is described having an antenna to detect a communication target from a point-of-user-interaction apparatus near the mobile device. The mobile device includes a reader that initiates a transmission of a command to the point-of-user-interaction apparatus and reads a response from the point-of-user-interaction apparatus. A display unit changes its display based on the response and/or the communication target. A circuitry executes instructions to receive a first authentication information from the point-of-user-interaction apparatus. The point-of-user-interaction apparatus transmits a second authentication information to a computing device. The circuitry executes instructions to send the first authentication information to the computing device. The computing device authenticates a transaction between the point-of-user-interaction apparatus and the mobile device via the first and second authentication information and notifies the circuitry of a valid transaction between mobile device and the point-of-user-interaction apparatus after the computing device authenticates the transaction. Unique ID(s) are also exchanged between the mobile device and the point-of-user-interaction apparatus.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
7.
BACKEND SECURE TRANSACTION APPARATUS AND METHOD THEREOF FOR POINT-OF-USER-INTERACTION APPARATUS AND A MOBILE DEVICE
A mobile device is described having an antenna to detect a communication target from a point-of-user-interaction apparatus near the mobile device. The mobile device includes a reader that initiates a transmission of a command to the point-of-user-interaction apparatus and reads a response from the point-of-user-interaction apparatus. A display unit changes its display based on the response and/or the communication target. A circuitry executes instructions to receive a first authentication information from the point-of-user-interaction apparatus. The point-of-user-interaction apparatus transmits a second authentication information to a computing device. The circuitry executes instructions to send the first authentication information to the computing device. The computing device authenticates a transaction between the point-of-user-interaction apparatus and the mobile device via the first and second authentication information and notifies the circuitry of a valid transaction between mobile device and the point-of-user-interaction apparatus after the computing device authenticates the transaction. Unique ID(s) are also exchanged between the mobile device and the point-of-user-interaction apparatus.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
A mobile device is described having an antenna to detect a communication target from a point-of-user-interaction apparatus near the mobile device. The mobile device includes a reader that initiates a transmission of a command to the point-of-user-interaction apparatus and reads a response from the point-of-user-interaction apparatus. A display unit changes its display based on the response and/or the communication target. A circuitry executes instructions to receive a first authentication information from the point-of-user-interaction apparatus. The point-of-user-interaction apparatus transmits a second authentication information to a computing device. The circuitry executes instructions to send the first authentication information to the computing device. The computing device authenticates a transaction between the point-of-user-interaction apparatus and the mobile device via the first and second authentication information and notifies the circuitry of a valid transaction between mobile device and the point-of-user-interaction apparatus after the computing device authenticates the transaction. Unique ID(s) are also exchanged between the mobile device and the point-of-user-interaction apparatus.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
9.
Method and apparatus for transmitting data via NFC for mobile applications including mobile payments and ticketing
A mobile device includes a smartcard controller that does not rely on power received from an interrogating RF field. The mobile device also includes a small inductive device capable of inductive coupling with an RFID reader. The smartcard controller includes circuitry to modulate an impedance of a port coupled to the inductive element when in the presence of an interrogating RF field at substantially 13.56 MHz.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
H04B 1/3816 - Mechanical arrangements for accommodating identification devices, e.g. cards or chipsTransceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving with connectors for programming identification devices
H04B 5/70 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes
H04B 5/77 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for interrogation
A user device transmits a digital representation of a document or contract to a document or contract validation system through one or more channels. The document or contract validation system validates the document or contract before submitting the document or contract to a transaction system as a valid transaction. The digital representation of the document or contract may include one or more sets of parameters that are useful in the validation process.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04N 1/00 - Scanning, transmission or reproduction of documents or the like, e.g. facsimile transmissionDetails thereof
A user device transmits a digital representation of a document or contract to a document or contract validation system through one or more channels. The document or contract validation system validates the document or contract before submitting the document or contract to a transaction system as a valid transaction. The digital representation of the document or contract may include one or more sets of parameters that are useful in the validation process.
A mobile device includes a smartcard controller that does not rely on power received from an interrogating RF field. The mobile device also includes a small inductive device capable of inductive coupling with an RFID reader. The smartcard controller includes circuitry to modulate an impedance of a port coupled to the inductive element when in the presence of an interrogating RF field at substantially 13.56 MHz.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
H04B 1/3816 - Mechanical arrangements for accommodating identification devices, e.g. cards or chipsTransceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving with connectors for programming identification devices
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
13.
Mobile phone with NFC apparatus that does not rely on power derived from an interrogating RF field
A mobile phone includes a smartcard controller that does not rely on power received from an interrogating RF field. The mobile phone also includes a small inductive device capable of inductive coupling with an RFID reader. The smartcard controller includes circuitry to modulate an impedance of a port coupled to the inductive element when in the presence of an interrogating RF field at substantially 13.56 MHz.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
H04B 1/3816 - Mechanical arrangements for accommodating identification devices, e.g. cards or chipsTransceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving with connectors for programming identification devices
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
14.
Sideband generating NFC apparatus to mimic load modulation
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.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
H04B 1/3816 - Mechanical arrangements for accommodating identification devices, e.g. cards or chipsTransceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving with connectors for programming identification devices
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
15.
Computing device with NFC and active load modulation for mass transit ticketing
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.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
H04B 1/3816 - Mechanical arrangements for accommodating identification devices, e.g. cards or chipsTransceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving with connectors for programming identification devices
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
16.
Computing device with NFC and active load modulation
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.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
H04B 1/3816 - Mechanical arrangements for accommodating identification devices, e.g. cards or chipsTransceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving with connectors for programming identification devices
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
17.
Remote deposit capture system with secure element authentication for check image generation and storage
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.
G06Q 20/00 - Payment architectures, schemes or protocols
H04W 12/00 - Security arrangementsAuthenticationProtecting privacy or anonymity
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
H04N 7/18 - Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast
18.
Secure element authentication for remote deposit of check images received from payors
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.
G06Q 20/00 - Payment architectures, schemes or protocols
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
H04N 7/18 - Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast
19.
Secure element authentication for remote deposit capture compatible check image generation
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.
G06Q 20/00 - Payment architectures, schemes or protocols
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
H04N 7/18 - Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast
20.
Client device token based multifactor authentication
A multifactor authentication (MFA) enforcement server provides multifactor authentication services to users and existing services. During registration, the MFA enforcement server changes a user's password on an existing service to a password unknown to the user. During normal usage when the user accesses the existing service through the MFA enforcement server, the MFA enforcement server enforces a multifactor authentication enforcement policy.
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.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
H04B 1/3816 - Mechanical arrangements for accommodating identification devices, e.g. cards or chipsTransceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving with connectors for programming identification devices
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
22.
13.56 MHz enhancement circuit for smartcard controller
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.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
H04B 1/3816 - Mechanical arrangements for accommodating identification devices, e.g. cards or chipsTransceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving with connectors for programming identification devices
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
23.
13.56 MHz enhancement circuit for smartmx smartcard controller
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.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
H04B 1/3816 - Mechanical arrangements for accommodating identification devices, e.g. cards or chipsTransceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving with connectors for programming identification devices
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
24.
Amplifier and transmission solution for 13.56MHz radio coupled to smartcard controller
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.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
H04B 1/3816 - Mechanical arrangements for accommodating identification devices, e.g. cards or chipsTransceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving with connectors for programming identification devices
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
25.
Amplifier and transmission solution for 13.56MHz radio coupled to smartmx smartcard controller
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.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
H04B 1/3816 - Mechanical arrangements for accommodating identification devices, e.g. cards or chipsTransceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving with connectors for programming identification devices
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
26.
Enhanced integrated circuit with smartcard controller
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.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
A multifactor authentication (MFA) enforcement server provides multifactor authentication services to users and existing services. During registration, the MFA enforcement server changes a user's password on an existing service to a password unknown to the user. During normal usage when the user accesses the existing service through the MFA enforcement server, the MFA enforcement server enforces a multifactor authentication enforcement policy.
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
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.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
32.
Mobile payment device with small inductive device powered by a host device
A memory card compatible 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. Commands may be sent to the RFID card to keep the RFID card powered.
G08B 13/14 - Mechanical actuation by lifting or attempted removal of hand-portable articles
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
A memory card compatible 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. Commands may be sent to the RFID card to keep the RFID card powered.
A multifactor authentication (MFA) enforcement server provides multifactor authentication services to users and existing services. During registration, the MFA enforcement server changes a user's password on an existing service to a password unknown to the user. During normal usage when the user accesses the existing service through the MFA enforcement server, the MFA enforcement server enforces a multifactor authentication enforcement policy.
A memory card compatible 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. Commands may be sent to the RFID card to keep the RFID card powered.
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.
09 - Scientific and electric apparatus and instruments
Goods & Services
Flash memory cards, integrated smart card chips, and near field communication (NFC) chips that facilitate payment transactions using mobile communication devices, and to otherwise facilitate mobile banking, mobile retail, mobile remittances, microfinance, and mobile identity management; Computer software, namely, preloaded application firmware on electronic memory cards to facilitate payment transactions using mobile communication devices, and to otherwise facilitate mobile banking, mobile retail, mobile remittances, microfinance, and mobile identity management; [ Computer software, namely, electronic financial platform and infrastructure software for credit card processors and intermediaries, financial institutions, and financial lenders that accommodates payment transactions from mobile communication devices, mobile banking, mobile retail, mobile remittances, microfinance, and mobile identity management and to otherwise support end-to-end security and over-the air personalization and provisioning in connection with said transactions and functions; Computer software, namely, security and identity management platform and infrastructure software for mobile communication devices, mobile banking, mobile retail, mobile remittances, microfinance, and mobile identity management and to otherwise support end-to-end security and over-the air personalization and provisioning in connection with said functions; ] Antennas for mobile communication devices to facilitate payment transactions using said devices, and to facilitate mobile banking, mobile retail, mobile remittances, microfinance, and mobile identity management; Booster apparatus that amplifies incoming electromagnetic signals for mobile communication devices to facilitate payment transactions using said devices, and to facilitate mobile banking, mobile retail, mobile remittances, microfinance, and mobile identity management
A contactless device includes a miniaturized antenna. The antenna includes an inductive coupling element that presents a field coupling surface area to couple to a magnetic field. The inductive element may be made of layers where conductive loops are formed parallel to the layers or perpendicular to the layers. When conductive loops are formed perpendicular to the layers, the effective field coupling surface area is increased. The inductive element is positioned on an outside edge of a memory card compatible device with the field coupling surface area perpendicular to the card.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
A memory card compatible 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. Commands may be sent to the RFID card to keep the RFID card powered.
An electronic stripe card senses when it is being swiped passed a read head, and drives a conductive path to mimic a magnetic card track. Multiple conductive paths may be driven in an interleaved fashion one after another. The card may include multiple swipe sensors to detect when to start and stop driving the conductive paths. The conductive paths may include traces on a top metal layer and bottom metal layer without magnetic material therebetween.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
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.
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
