Abstract: Methods are described for performing a timely authorization of digital credential data delivered from a mobile device that is without access to a local persistently stored permanent cryptographic key. An application executable in the operating system of a mobile device receives a first non-permanent cryptographic key associated with the account from a remote computer system, stores the first non-permanent cryptographic key as a local cryptographic key associated with the account; generates a response cryptogram using the local cryptographic key and without accessing the permanent cryptographic key and sends a device response communication from the mobile device to an electronic reader of a POS terminal, the device response communication comprising an application data protocol unit containing the response cryptogram and an account identifier for the account.

Abstract: A system and a method for single sign-on voice authentication that provides access to multiple voice recognition and artificial intelligence platforms, to multiple devices and to multiple third party web service systems.

Abstract: An audio headset that provides a “chat” mode to temporarily adjusts audio to preset levels to emphasize ambient sound, and includes a beamformer to provide directional speech isolation. The headset may include active noise cancellation and/or passive noise isolation. When entering chat mode, three or more relative audio levels are individually adjusted to presets, allowing the wearer to hear ambient noise and their own isolated voice, while attenuating other audio sources. This user-configurable combination of levels temporarily adjust the mix of signals that will be output to a wearer via the stereo headphone speakers.