Abstract: The presently disclosed subject matter is directed to methods, systems, and computer-readable storage media for location, mobile, and user participating-based identity verification for the purposes of risk management. In one embodiment, the method, system, and computer-readable storage media includes receiving user data, receiving verification data, and verifying the identity of a user based on the user data and the verification request data. The user data may include location data and/or identity data, and the user data may be received from a mobile device. The identity data may include biometric data regarding the user. The method, system, and computer-readable storage media may include comparing the user data to the verification request data. The method, system, and computer-readable storage media may also include performing an action based on the results of the verification wherein the action is authorizing a payment.

Abstract: Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.

Abstract: The subject matter described herein includes an RFID payment terminal with a display-embedded antenna. According to one aspect, an RFID payment terminal with a display-embedded antenna includes a display for graphically displaying payment information to a user. An RFID antenna is embedded in a portion of the display used for displaying the payment information to a user and for communicating with an RFID device of the user to receive transaction information form the RFID device. An RFID payment module is coupled to the antenna for receiving the transaction information and for effecting the payment transaction.

Abstract: Methods, systems, and computer readable media for over the air provisioning of soft cards on devices with wireless communications capabilities are disclosed. According to one method, a soft card provisioning application is instantiated on a device with wireless communications capabilities. A card number for a soft card desired to be provisioned on the device is obtained from a user of the device. An issuer identification number retrieved from the card number is communicated to a provisioning configuration server over an air interface. A provisioning issuer server network address is obtained from the provisioning configuration server based on the issuer identification number. The provisioning information server is connected to, and card-issuer-specific challenge information is obtained therefrom. The challenges are presented to the user, and the user's responses to the challenges are received. A connection is made to the provisioning issuer server corresponding to the network address.

Abstract: Methods, systems, and computer program products for interacting with ISO 14443-4 and MIFARE® applications on the same wireless smart device during a common transaction are disclosed. According to one aspect, the method includes detecting and communicating with an ISO 14443-4 application located on a wireless smart device that includes an ISO 14443-4 and a MIFARE® application to perform at least part of the common transaction. Termination of the ISO 14443-4 application is detected, and the MIFARE® application located on the wireless smart device is detected and communicated with for performing at least part of the common transaction.

Abstract: The subject matter described herein includes an RFID payment terminal with a display-embedded antenna. According to one aspect, an RFID payment terminal with a display-embedded antenna includes a display for graphically displaying payment information to a user. An RFID antenna is embedded in a portion of the display used for displaying the payment information to a user and for communicating with an RFID device of the user to receive transaction information form the RFID device. An RFID payment module is coupled to the antenna for receiving the transaction information and for effecting the payment transaction.

Abstract: Systems, methods, and computer program products for supporting multiple contactless applications using different security keys on a wireless smart device are disclosed. According to one aspect, the subject matter described herein includes a method for supporting multiple contactless applications using different security keys on a wireless smart device. The method includes, at a wireless smart device configured to communicate with a wireless smart device reader, the wireless device including a plurality of contactless applications and a contactless application memory for use by the plurality of contactless applications, initializing a portion of the memory such that access to the portion of memory requires the use of a shared secret key known to the plurality of contactless applications.

Abstract: Systems, methods, and computer program products for mitigating signal noise at a wireless smart device reader are disclosed. According to one aspect, the subject matter described herein includes a method (performed at a wireless smart device reader) that includes receiving a signal from a wireless smart device and checking for an error in a portion of the signal. In response to detecting the error, an error flag is set in an error register to indicate the presence of noise in the signal portion. The error register is repeatedly polled in order to detect the setting of the error flag. In response to detecting the setting of the error flag, a command to eliminate the signal portion is issued.

Abstract: Systems, methods, and computer program products for supporting multiple applications and multiple instances of the same application on a wireless smart device are disclosed. According to one aspect, the subject matter described herein includes a system for supporting multiple instances of the same application. The system includes a wireless smart device for communicating with a wireless reader. The wireless smart device includes multiple instances of the same application for performing wireless transactions with an external device. The wireless smart device also includes an application manager for identifying one of the instances as active, for detecting a request from a wireless reader for performing a wireless transaction, and for communicating the request to the active instance.

Abstract: Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.

Abstract: A surface mountable multiformat card reader for vending equipment is disclosed. According to one aspect, the subject matter described herein includes a surface mountable card reader that comprises a mounting bracket for attaching to a vending machine. The surface mountable card reader also includes a card reader housing that extends outward from the mounting bracket. The housing, which includes a channel spaced outwardly from the mounting bracket for receiving a magnetic stripe card, comprises a radio frequency (RF) proximity reader that is adapted for receiving data via an RF signal from a contactless card. The housing also comprises a magnetic stripe reader that is adapted for receiving data from magnetic stripe cards that pass through the channel.

Abstract: Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.

Abstract: Methods, systems, and computer program products for over the air provisioning of soft cards on devices with wireless communications capabilities are disclosed. According to one method, a soft card provisioning application is instantiated on a device with wireless communications capabilities. A card number for a soft card desired to be provisioned on the device is obtained from a user of the device. The card number is communicated to a provisioning configuration server over an air interface. Card-issuer-specific challenges corresponding to the card number and a provisioning issuer server network address are obtained from the provisioning configuration server. The challenges are presented to the user, and the user's responses to the challenges are received. A connection is made to the provisioning issuer server corresponding to the network address. The challenge responses are communicated to the provisioning issuer server.

Abstract: An adaptor in accordance with the present invention allows a conventional magnetic stripe card POS reader to receive information from contact-based or wireless sources while maintaining the concurrent ability of the reader to interact with a magnetic stripe card. In accordance with one embodiment of the present invention, the adaptor includes an inductor capable of generating a magnetic field of sufficient power to couple with a head of a magnetic stripe card reader through the housing of the reader device. In this manner, the adaptor can be positioned external to the reader device, leaving the slot of the reader accessible for conventional interactions with magnetic stripe cards. Selective inductive communication with individual heads of the reader device may exploit their differing sensitivity to external magnetic fields generated by the adaptor.

Abstract: An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.

Abstract: An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.