Abstract: A system (211) and method (300) for reliable monitoring of secure application execution events is provided. The system can include a Near Field Communication (NFC) modem (140) for communicating transaction events of a secure contactless transaction (358) with a NFC reader (170), a secure controller (200) for monitoring state transitions caused by the transaction events, and a mobile host communicatively coupled to the secure controller for receiving hardware event notifications of the state transitions. The secure controller can generate message using a hardware interrupt to a mobile host based on secure applet state transition monitoring by setting up the events flag such as a Transaction Completion Flag (TCF) (372) into an Events Status Register (232) to identify a status of a secure contactless transactions.

Abstract: A method and a system for exercising policy control, a policy and charging enforcement function (PCEF) are provided, which can solve the problem that no policy control can be exercised over application service flows without an application function (AF). In the method, a PCRF receives information about an application event sent by a PCEF after subscribing the application event from the PCEF; and the PCRF generates a control policy for a service flow of the application according to the information about the application event. In the present invention, the PCEF sends the obtained information about the application event to the PCRF, so that even when no AF is involved, the PCRF can still generate a control policy according to policy contexts including the information about the application event and the like.

Abstract: A method and system for enabling performance of a transaction. A client computer displays a first representation of a transaction policy depicting transaction policy options for fulfilling the transaction policy. After a user selects a first transaction policy option, the client computer displays a second representation of the transaction policy, depicting at least one mechanism pertaining to the first transaction policy option for satisfying the requirements of the first transaction policy option. After the user selects a first mechanism, the client computer displays evidence options for each requirement of the first transaction policy option. After the user selects an evidence option for each requirement of the first transaction policy option, the client computer sends to a server transaction enablement information that includes evidence dictated by the selected evidence options to enable the server to perform the transaction.

Abstract: Systems and methods for providing content provider charged web content to a mobile device are disclosed. A mobile routing server receives a request for a mobile device to access web content associated with a content provider. The mobile routing server determines whether the request is associated with a provider-charged gateway. If the request is associated with the provider-charged gateway, the mobile routing server provides access to the web content via the provider-charged gateway and signals a billing server to charge an account associated with the content provider for data charges associated with the access to the web content. If the request is not associated with the provider-charged gateway, the mobile routing server provides access to the web content via a regular Internet gateway and signals the billing server to charge an account associated with the mobile device for the data charges associated with the access to the web content.

Abstract: A method to enable transactions comprising transmitting, by a vendor server, a request message to the e-commerce system for a token. Receiving a token in response to the request message. Generating an offer message including a mailto hyperlink, wherein the offer message is an email message including a mailto hyperlink is configured to generate an email reply message include the token. Transmitting the offer message to an email address associated with the customer. Receiving a response message from the e-commerce system, the response message including transaction details that confirm the token was validated by the e-commerce system. Transmitting a payment processing request message to a payment processor, wherein the payment processing request is based on the transaction details. Receiving a notification from the payment processor, that payment processing has been completed. Transmitting an email message to the email address of the customer, that payment has been processed.

Abstract: A method and system to transfer payment to a seller of a network-based commerce transaction are described herein. The method includes performing a risk evaluation based on retrieved seller-specific data, and releasing funds from a holding account to the seller based on the risk evaluation.

Abstract: A Mixed Media Reality (MMR) system and associated techniques are disclosed. The MMR system provides mechanisms for forming a mixed media document that includes media of at least two types (e.g., printed paper as a first medium and digital content and/or web link as a second medium). The present invention provides systems, methods, and computer program products for modifying documents for shared use, and for collaborative discussion of shared documents. Captured digital images of documents or portions associated with a user are received, along with modifications to the images. Documents are recognized from the captured digital images, and the modifications to the images are applied to the documents. Alternatively, captured digital images of documents are received, and the documents are recognized along with a hotspot in the document. The user is authenticated to a website associated with the hotspot, and is provided access to an associated multimedia repository.

Abstract: Depositing funds onto smart cards for use during processing of purchases. A device creates a deposit request and transmits the request to a remote system. The remote system processes the request and transmits a deposit record to the device, which in turn transmits the record to the smart card. If the device has network access, it transmits a deposit confirmation to the remote system, which updates the smart card account to include the confirmation. If the device unable to connect to the remote system, the deposit confirmation is transmitted when the smart card is involved in a future transaction. During the future transaction, the smart card transmits its transaction history, which comprises the deposit confirmation, to the device, and the device transmits the transaction history to the remote system. The remote system updates the smart card account to include the deposit confirmation.

Abstract: In order to validate a user to facilitate conducting a high-valued financial transaction via wireless communication between an electronic device (such as a smartphone) and another electronic device (such as a point-of-sale terminal), the electronic device may authenticate the user prior to the onset of the high-valued financial transaction. In particular, a secure enclave processor in a processor may provide local validation information that is specific to the electronic device to a secure element in the electronic device when received local authentication information that is specific to the electronic device (such as a biometric identifier of the user) matches stored authentication information. Moreover, an authentication applet in the secure element may provide the local validation information to an activated payment applet in the secure element. This may enable the payment applet to conduct the high-valued financial transaction via wireless communication, such as near-field communication.

Abstract: Embodiments allocate and synchronize virtual currency balance of a user among multiple user devices. A user profile is maintained at a central server. The user profile stores a total virtual currency balance and a designation of multiple user devices associated with the user. The total virtual currency balance may be divided among and allocated to the multiple user devices, for example, based on usage data associated with each user device. The portion of the total virtual currency balance allocated to each user device may be stored locally at a local wallet of the corresponding user device. The local virtual currency balance on a user device may be used to purchase goods or services, such as playing a game. If the locally stored virtual currency balance of a given user device runs low, the user device may request additional virtual currency from other user devices without contacting the central server.

Abstract: Technology for sharing digital media is provided. In one example, a method may include identifying a first consumer. A request may be received from a second consumer requesting to consume the digital media. A first segment of the digital media being consumed by the first consumer may be identified. The digital media may be provided to the second consumer for consumption at a second segment of the digital media different from the first segment being consumed by the first consumer.

Abstract: In order to facilitate conducting a financial transaction via wireless communication between an electronic device (such as a smartphone) and another electronic device (such as another smartphone), a secure element in the electronic device may generate, using an encryption key associated with the secure element, a signed blob based on a transaction amount and a merchant identifier. Then, the electronic device communicates connection information between the electronic device and the other electronic device. Moreover, the electronic device may establish a connection between the electronic device and the other electronic device based on the connection information, and may concurrently provide the signed blob to the other electronic device. After receiving a signed transaction blob from the other electronic device using the connection (which includes information needed to conduct the financial transaction), the electronic device provides the information to a server to conduct the financial transaction.

Abstract: Apparatus and methods for wireless systems provide a mechanism to enhance the communication capabilities of wireless users. In an embodiment, data is stored on a wireless mobile device, where the data is correlated to information to install a wireless server on an electronic system. At least a portion of the data from the wireless mobile device may be downloaded to initiate installation of the wireless server on the electronic system.

Abstract: An electronic platform (10) for facilitating mobile commerce transactions includes: a user interface (20) that is provided to a user (60), the user interface (20) being operable to retrieve from the user (60) a plurality of settings for different parameters that regulate a manner in which the platform (10) operates for a given entity that is being served by the platform (10); a conversation tracking engine (40) that monitors messages exchanged between the platform (10) and mobile device users (72) accessing the platform (10), the conversation tracking engine (40) being operative to recognize which ones of selected monitored messages together form a common conversation and keep track of a current state of that conversation; and, a mobile content rendering engine (30) that is operable to dynamically render mobile content in response to the platform (10) receiving a request from a mobile device (74) for mobile content, the mobile content being rendered in accordance with the parameter settings entered via the us

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for security confidence calculation for digital wallet integration. In this way, the invention provides instantaneous access to new payment methods, such as credit cards with prevention of misappropriation based on user device security confidence and token presentation. As such, the system allows for instant application approval, authorization, and instant integration of credit cards to a user's digital wallet. Thus allowing a user to instantaneously use the new credit card via his/her digital wallet without having to wait for the physical card to be received and activated.

Abstract: Systems and methods for securely storing digital assets using a secure portal are disclosed. Using an isolated computer within an electronic isolation chamber, a plurality of digital asset accounts may be generated, and one or more private keys and a digital asset account identifier corresponding to each of the digital asset accounts may be obtained. A respective reference identifier may be associated with each digital asset account. At least one of the one or more private keys corresponding to each digital asset account may be divided into a plurality of private key segments and written to a card along with the respective reference identifier to create sets of collated cards, wherein each set comprises cards corresponding to different private keys.

Abstract: A cloud service integration pay trading system includes a trust certificate platform, an identity provider platform, at least one user terminal and a cloud platform. Each user terminal can log in the cloud platform to purchase services from the trust certificate platform by using a cloud account being registered in the identity provider platform. When in transaction, the request for consumption from the trust certificate platform is transmitted by the identity provider platform to the cloud platform, allowing the user terminal to use the money flow service of the cloud platform to pay the amount charged.

Abstract: A wireless connection may be established between a mobile device and a reader device and/or a sensor. The reader device and/or sensor may authenticate the mobile device. The reader device and/or sensor may receive a credential or token from the mobile device. An action may be performed based on certain criteria such as if the credential or token is valid.

Abstract: Methods and apparatuses, including computer program products, are described for secure validation of financial transactions. A server computing device registers a mobile device to receive notification messages from the server computing device. The server computing device transmits a notification message via a first communication channel to a notification agent executing on the registered mobile device, where the message identifies activity associated with a financial account of a user of the registered mobile device. The server computing device receives a response to the notification message via a second communication channel from an application executing on the registered mobile device, if the notification message requires a response. The server computing device stores the response in a database coupled to the server computing device, and determines whether to (i) allow, (ii) deny, or (iii) deny and report as fraud the identified activity based upon the response.

Abstract: A beacon device establishes a network connection with a user computing device. The beacon device determines the received signal strength indicator of the user computing device (the “reverse RSSI”) and transmits it to the user computing device, which determines the received signal strength indicator (the “RSSI”) of the beacon device, and saves the RSSI with the reverse RSSI as a data pair. At a later time, the beacon device determines a subsequent reverse RSSI and transmits it to the user computing device, which determines a subsequent RSSI, and saves the subsequent RSSI with the subsequent reverse RSSI as a data pair. If the user computing device determines a correspondence in the changes of the RSSI values and reverse RSSI values in the two data pairs, a transaction between the two devices is allowed. If correspondence does not exist, then the user computing device terminates the network connection.