Abstract: Systems, methods, computer programs, and devices are disclosed herein for deploying a local trusted service manager within a secure element of a contactless smart card device. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. An asymmetric cryptography algorithm is used to generate public-private key pairs. The private keys are stored in the secure element and are accessible by a trusted service manager (TSM) software application or a control software application in the secure element. A non-TSM computer with access to the public key encrypts and then transmits encrypted application data or software applications to the secure element, where the TSM software application decrypts and installs the software application to the secure element for transaction purposes.

Abstract: Systems, methods, computer programs, and devices are disclosed herein for deploying a local trusted service manager within a secure element of a contactless smart card device. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. An asymmetric cryptography algorithm is used to generate public-private key pairs. The private keys are stored in the secure element and are accessible by a trusted service manager (TSM) software application or a control software application in the secure element. A non-TSM computer with access to the public key encrypts and then transmits encrypted application data or software applications to the secure element, where the TSM software application decrypts and installs the software application to the secure element for transaction purposes.

Abstract: Estimating product inventory comprises determining a rate of sales events for a product and an amount of time that has elapsed since a previous product availability estimate fro the product. Then, a new product availability estimate for the product is determined based on the rate sales events for the product. The rate of sales events for the product can be determined based on product data feeds from the merchant or other sales data.

Abstract: Systems, methods, computer programs, and devices are disclosed herein for partitioning the namespace of a secure element in contactless smart card devices and for writing application data in the secure element using requests from a software application outside the secure element. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. A control software application resident in the same or a different secure element provides access types and access bits, for each access memory block of the secure element namespace, thereby portioning the namespace into different access types. Further, a software application outside the secure element manages the control software application by passing commands using a secure channel to the secure element, thereby enabling an end-user of the contactless smart card device or a remote computer to control the partitioning and use of software applications within the secure element.

Abstract: Described herein are systems and methods for centralizing and standardizing implementation of security tokens so as to provide one token per one user for accessing business applications across an enterprise, providing scalability to support authentication of as many enterprise users as desired or needed, and providing a standardized token management interface that supports both pre-binding and post-binding user registration processes and different types of security token.

Abstract: The invention includes a dental tool for applying orthodontic attachments to teeth. The tool includes a body having a portion for holding the dental tool and a portion for selectively gripping an object to be bonded to a tooth. The tool also includes a nozzle for emitting pressurized air adjacent the portion for selectively gripping the object to be bonded to the tooth. A method of using the tool is also disclosed.

Abstract: A check service provider enables users to make and receive payments from a financial account via a mobile electronic device, such as a smartphone or tablet computer. The device includes a check module and a camera. A user can capture an image of a check using the camera and the check module deciphers information, such as an account number, bank routing number, and information regarding the account holder, from the image of the check. The user can then make payments from and receive payments into the financial account associated with the imaged check via the check module without having the physically write or deposit a check. The check service provider interacts with the ACH to settle payments directly between the user's accounts without handling the money. Users can be notified of pending payments via text, voice, and e-mail messaging.

Abstract: This disclosure relates to storing a secure application directory within a contactless smart card. The contactless smart card include secure memory area for storing software applications and may include a default application directory for listing the software applications stored within the contactless smart card to an external card reader. A second application directory is stored with an access key and a listing of a second set of software applications within the same contactless smart card. The second application directory includes improved application directory entries, where each application directory entry includes an application identifier, a starting memory block byte value, and a size byte value for each of the second set of software applications.

Abstract: A method and system for managing legal fees and minimizing costs of an organization involves periodically receiving case budget information consisting at least in part of identification, billing rate, and hours for each person projected to work on a legal project for the organization. The case budget information is received by internal counsel for the organization from external counsel via entry of the information on a template provided by internal counsel and uploaded to an internal matter management system of the organization if approved by internal counsel. At the end of each billing cycle, current bill data from external counsel is also uploaded to the internal matter management system of the organization, and the current bill data is compared with the case budget information. A report is generated flagging any discrepancies between the current bill data and the case budget information.

Abstract: Representing in a database, a collection of items characterized by features. In a data processing system, determining a semantic space representations of the features across the collection. Each representation characterized by parameters and settings, and differing from each other by only one of: the value of one parameter, and the configuration of one setting. Determining, for each feature pair of a set of feature pairs, the relatedness of the first feature to the second feature in each semantic space representation. And representing the collection by the semantic space that provides the best aggregate relatedness across the set of feature pairs.

Abstract: A method and system of managing communication of information to a destination utilizes computer hardware and software and a client-server architecture. The system receives information in file form, such as ASCII file form, via a file transfer service and/or in message-based form, such as SWIFT and/or ISITC messages, via a message network. The information that is received in message-based form is converted to file form by a message to file converter and translated by a message format library to an intermediary file format, and the information that is received in file form is also translated to the intermediary format by a message format library. The intermediary file format information can be aggregated and sorted, and is then translated to a preferred file format of the destination and sent to the destination.

Abstract: This disclosure relates to storing a secure application directory within a contactless smart card. The contactless smart card include secure memory area for storing software applications and may include a default application directory for listing the software applications stored within the contactless smart card to an external card reader. A second application directory is stored with an access key and a listing of a second set of software applications within the same contactless smart card. The second application directory includes improved application directory entries, where each application directory entry includes an application identifier, a starting memory block byte value, and a size byte value for each of the second set of software applications.

Abstract: A method and system for securely logging onto a banking system authentication server so that a user credential never appears in the clear during interaction with the system in which a user's credential is DES encrypted, and the DES key is PKI encrypted with the public key of an application server by an encryption applet before being transmitted to the application server. Within the HSM of the application server, the HSM decrypts and re-encrypts the credential under a new DES key known to the authentication server, the re-encrypted credential is forwarded to the authentication server, decrypted with the new DES key known to the authentication server, and verified by the authentication server.

Abstract: A folding game board is provided for use with game pieces. The system includes a flat game board which comprises four panels. Each panel comprises a playing surface and a compartment opposite the playing surface. Certain panels are hinged together to permit each of two pairs of compartments to fold and close independently to form two storage areas within which playing pieces may be stored. Other panels are hinged together to permit the two storage areas to be folded together, thereby stacking the four panels of the game board. The depth of the storage areas is based on the size necessary to accommodate playing pieces and accessories to be stored within the game board.

Abstract: Systems and methods for authenticating a request between a client computer and a transaction server are provided. An application request, comprising an identity of a user originating the request, is received at an application server from the client. The application server constructs a signing key based on (i) the identity of the user making the request, (ii) a time based salt value, (iii) a secret shared between the application and transaction servers and, optionally, (iv) an identifier of the distributor or developer of the application. The signing key is embedded in an unbranded version of the application thereby branding the application. The branded application can sign a request with the signing key and submit the signed request to the transaction server with the identity of the user and the identifier of the distributor or developer of the application.

Abstract: Methods and compositions for treating disease caused by infectious agents, particularly tuberculosis. In particular, methods and compositions comprising substituted ethylene diamines for the treatment of infectious diseases are provided. In one embodiment, these methods and compositions are used for the treatment of mycobacterial infections, including, but not limited to, tuberculosis.

Abstract: Computer-implemented methods and systems for managing consumer transactional accounts provides a temporary line of credit with an installment option that a consumer can use for specific occasions or life events. The account remains open for only a limited period of time during which interest does not accrue. Thereafter, the account automatically expires, interest begins to accrue on the amount charged on the account, and an invoice is sent to the consumer with a number of payment options.

Abstract: Systems and methods for crediting a retailer for an online purchase made by a consumer while the consumer is located within or in the proximity of a store location of the retailer are provided. After browsing a retail location for a product, a consumer can purchase the product from an Internet merchant different than that of the retailer using a mobile or networked client device. The client device can include a module for determining the location of the client device at the time of purchase and include the location information with information used to complete the purchase of the product. This location information can include an actual geographic location, a store identifier, or a retailer identifier. The online merchant can match the location information with retailer information to determine whether a credit for the purchase should be given to a retailer.

Abstract: Systems and methods are described herein for enabling users to select from available secure service providers (each having a Trusted Service Manager (“TSM”)) for provisioning applications and services on a secure element installed on a device of the user. The device includes a service provider selector (“SPS”) module that provides a user interface for selecting the secure service provider. In one embodiment, the SPS communicates with a key escrow service that maintains cryptographic keys for the secure element and distributes the keys to the user selected secure service provider. The key escrow service also revokes the keys from deselected secure service providers. In another embodiment, the SPS communicates with a central TSM that provisions applications and service on behalf of the user selected secure service provider. The central TSM serves as a proxy between the secure service providers and the secure element.

Abstract: Computer-implemented methods and systems for evaluating residential mortgage loan backed security products in which electronic loan data for the same individual loans is received from two or more different loan information providers, and the electronic loan data for respective individual loans received from the loan information providers is integrated. Thereafter, each individual loan in the integrated loan data is scored with a risk score based on a plurality of risk attributes of each individual loan; pre-defined forecast vectors are applied to the bucketed loans; cash flow forecasts are generated for the bucketed loans; and a price and/or yield for each bucketed loan is derived based on the cash flow forecasts.