Abstract: Methods for conducting a transaction of a mobile electronic wallet (EW) with a merchant electronic point-of sale (POS) terminal include use of the POS terminal to provide authorization for the transaction directly to an EW terminal server (TS) without involvement of a transaction gateway. The EW-TS receives a transaction request from an authenticated EW application in a mobile device and provides an approval for stored EW-TS card data delivered to the POS terminal The POS terminal authorizes the transaction and submits the authorization request to a host processor. In some embodiments, the POS terminal also enrolls an EW in a mobile EW program. In some embodiments, the POS terminal also settles the transaction. In some embodiments, an EW sends checking account information to be proceessed by check services of the POS terminal. In some embodiments, additional consumer payment data is captured during the EW enrollment.

Abstract: A secure touch screen device comprises a resistive touch screen having a plurality of touch positions, having a first pair of first and second terminals at opposite ends of a first axis of the touch screen, and a second pair of first and second terminals at opposite ends of a second axis of the touch screen, the second axis being orthogonal to the first axis. Upon pressing on a certain position on the touch screen there exist an electrical resistance between the first pair of terminals and an electrical resistance between the second pair of terminals, indicative of the position pressed. The first terminal of each pair of terminals is grounded, and the second terminal of each pair of terminals is connected to a variable resistance component connectable to a voltage source. The resistance of the variable resistance component is variable in a predetermined manner, the second terminal of each pairs of terminals being used to measure the resistance indicative of the position pressed.