Abstract: Techniques for mobile devices configured to support or function as multiple contactless cards, such as Mifare contactless cards, are disclosed. According to one embodiment, a mobile device embedded with an emulator is loaded with a plurality of software modules or applications, each emulating one card or one type of contactless cards. An emulator is implemented in a secure element that is personalized for a user of the mobile device while the applications are respectively provisioned via their respective providers per the personalized secure element. When the mobile device is to be used as a contactless card to perform a monetary function, a corresponding application is loaded into and executed in the emulator. When the mobile device is to be used to perform another monetary function, a corresponding application is loaded into the emulator to replace the previous application entirely or partially in the emulator.

Abstract: Techniques for managing modules or applications installed in a mobile device are described. To provide authentic and secured transactions with another device, each of the installed applications is provisioned with a server through data communication capability in a mobile device. A provisioned application is associated with the personalized secure element in the mobile device and works with a set of keys that are generated in accordance with a set of keys from the personalized secure element. Further management of controlling an installed application is also described.

Abstract: Techniques for portable devices functioning as an electronic purchaser (e.g., e-purse) and/or an electronic mobile seller (e.g., mobile point-of-sales (POS)) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct e-commerce and m-commerce transactions over an open network with a payment server and/or a POS transaction server without compromising security. In one embodiment, a portable device is loaded with an e-purse as an electronic mobile purchaser. In another embodiment, the portable device is installed with a mobile POS as an electronic mobile seller.

Abstract: Techniques for portable devices functioning as an electronic purchaser (e.g., e-purse) and/or an electronic mobile seller (e.g., mobile point-of-sales (POS)) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct e-commerce and m-commerce transactions over an open network with a payment server and/or a POS transaction server without compromising security. In one embodiment, a portable device is loaded with an e-purse as an electronic mobile purchaser. In another embodiment, the portable device is installed with a mobile POS as an electronic mobile seller.

Abstract: Techniques for managing modules or applications installed in a mobile device are described. To provide authentic and secured transactions with another device, each of the installed applications is provisioned with a server through data communication capability in a mobile device. A provisioned application is associated with the personalized secure element in the mobile device and works with a set of keys that are generated in accordance with a set of keys from the personalized secure element. Further management of controlling an installed application is also described.

Abstract: Techniques for funding an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct transactions over an open network with a payment server without compromising security. In one embodiment, a device is loaded with an e-purse manager. The e-purse manager is configured to manage various transactions and functions as a mechanism to access an e-purse therein. The e-purse is funded by interactions among the e-purse manager, a payment server and a financial institution (its server) that maintains an account therefor.

Abstract: Techniques for funding an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct transactions over an open network with a payment server without compromising security. In one embodiment, a device is loaded with an e-purse manager. The e-purse manager is configured to manage various transactions and functions as a mechanism to access an e-purse therein. The e-purse is funded by interactions among the e-purse manager, a payment server and a financial institution (its server) that maintains an account therefor.

Abstract: Techniques for portable devices functioning as an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct transactions over an open network with a payment server without compromising security. In one embodiment, a device is loaded with an e-purse manager. The e-purse manager is configured to manage various transactions and functions as a mechanism to access an emulator therein. The transactions may be conducted over a wired network or a wireless network. A three-tier security model is contemplated to support the security of the transactions from the e-purse. The three-tier security model includes a physical security, an e-purse security and a card manager security, concentrically encapsulating one with another. Security keys (either symmetric or asymmetric) are personalized within the three-tier security model.

Abstract: Techniques for portable devices functioning as an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct transactions over an open network with a payment server without compromising security. In one embodiment, a device is loaded with an e-purse manager. The e-purse manager is configured to manage various transactions and functions as a mechanism to access an emulator therein. The transactions may be conducted over a wired network or a wireless network. A three-tier security model is contemplated to support the security of the transactions from the e-purse. The three-tier security model includes a physical security, an e-purse security and a card manager security, concentrically encapsulating one with another. Security keys (either symmetric or asymmetric) are personalized within the three-tier security model.

Abstract: A system, method and related software architecture are disclosed as a platform for developing and deploying RFID-enabled software applications. The platform is a framework between these applications and their connected physical RFID devices. The runtime version of this platform can be thought of as a logical RFID device. The platform allows RFID-enabled applications securely communicate with physical RFID devices to monitor their status and to access their tag data. The platform includes externalized APIs for accessing tag data, an event manager to alert applications of events coming from RFID devices and tags, data manager to filter and reconcile data returned from physical RFID readers before relaying them to applications, device manager to monitor the RFID device status for network management, and secured communication channels with data encryption.