Abstract: In one aspect, a system includes a wireless communication device; and an interactive electronic device. The wireless communication device includes a wireless communication circuitry; a memory; and a first processor configured to access identifiers associated with the wireless communication device and transmit a message including the identifiers via the wireless communication circuitry.

Abstract: An electronic device may include a printed circuit board having a physically unclonable function (PUF) source. The PUF source includes a plurality of fuses that provide PUF data based on a measurement of electrical parameters resulting from a first signal being transmitted through the plurality of fuses. The electronic device also has processing circuitry in communication with the PUF source that can detect a triggering event at the electronic device and determine an event type based on the detected triggering event. The processing circuitry can select at least one fuse of the plurality of fuses based on the determined event type and change an electrical property of the selected at least one fuse such that the PUF data from the PUF source is modified.

Abstract: A transaction device can implement a monitoring system to detect for tamper attempts at a chip card interface. The monitoring system can establish a baseline when no chip card is present in the chip card interface, or in some embodiments, when it is known that an authentic chip card is present in the slot. During subsequent evaluations of the chip card interface by the monitoring system, a response received by the monitoring system that deviates from the baseline can indicate that a tamper attempt at the chip card interface may have occurred. If a tamper attempt is determined by the monitoring system, a remedial or corrective action can be taken.

Abstract: A wireless communication device such as a payment reader has a wireless communication interface and is able to establish wireless pairing with an interactive electronic device such as a merchant device running a point of sale application. In order to establish pairing, the wireless communication device accesses an identifier. The identifier is transmitted to the interactive electronic device via the wireless communication interface, and the interactive electronic device sends the identifier to a pairing server. The pairing server retrieves a passkey based on the identifier and sends the retrieved passkey to the interactive electronic device via a secure connection. The wireless communication device and the interactive electronic device establish wireless pairing based on the retrieved passkey.

Abstract: A wearable device, such as a finger ring worn by a user, communicates information about a user to a reader that uses the information in order to perform a transaction. Such wearable device may be conveniently carried by and accessible to the user such that utilization of the device for the transaction is less burdensome for the user, thereby encouraging use of the device for particular transactions. Indeed, in some cases, such as when the device is implemented as a finger ring or other type of jewelry, the user may be encouraged to carry the device in an exposed manner such that it is readily available for the transaction without the user having to search in a wallet, pocket, or purse for the device.

Abstract: An electronic device may include a printed circuit board having a physically unclonable function (PUF) source. The electronic device may also include processing circuitry positioned on the printed circuit board. The PUF source includes a plurality of traces and each trace includes a first portion and a second portion having an increased surface area relative to the first portion. The PUF source is responsive to an input from the processing circuitry to provide PUF data based on the impedance characteristics of the plurality of traces. The processing circuitry is further configured to process the PUF data from the PUF source to perform an operation within the device.

Abstract: A system for sensing a location of a near field communication (NFC) device includes an NFC reader that communicates with a remote NFC device through load modulation. The NFC reader transmits a wireless carrier signal from an antenna, and the remote NFC device modulates the carrier signal by changing its internal impedance in order to transmit data to the NFC reader. The NFC reader has at least one antenna for receiving the modulated signal. The antenna is coupled to circuitry that analyzes the signal received from the remote NFC device to determine a location of the remote NFC device relative to the NFC reader. The circuitry then selects a transmit antenna from a plurality of transmit antennas in the NFC reader, based on the determined location, to communicate with the remote NFC device.

Abstract: A device may execute an application having information about multiple accounts associated with the processing of transactions. The application may provide standard account information that is used to process the transactions. At the same time, a background application may operate on the device. The background application may be compatible with a second device, and when within range of the second device, may communicate background messages relevant to the transaction. The second device may provide an option to a user of the device to process the transaction with a non-standard account via the background application.

Abstract: A system for sensing a proximity of a near field communication (NFC) device includes an NFC reader that communicates with a remote NFC device through load modulation. The NFC reader transmits a wireless carrier signal from an antenna, and the remote NFC device modulates the carrier signal by changing its internal impedance in order to transmit data to the NFC reader. The NFC reader has at least one antenna for receiving the modulated signal. The antenna is coupled to circuitry that analyzes the signal received from the remote NFC device The circuitry then identifies a resonant frequency for the remote NFC device based on the received signal and controls transmission characteristics of the NFC reader for communicating with the remote NFC device based on the identified resonant frequency.

Abstract: A device may run an application having information with multiple accounts associated with processing of transactions. The application may provide account information that is used to process the transactions. At the same time, a background application may operate on the device. The background application may be compatible with a second device, and when within range of the second device, may communicate background messages relevant to the transaction. The transaction may then be processed based on the account information and the background messages.

Abstract: A provisioning system is provided for terminals such as point of sale terminals. An interface device interfaces with a smart card and a provisioning server, providing initialization keys and security codes that are stored on the smart card. At a terminal, an initialization key from the smart card may be provided to the terminal if a correct security code is entered at the terminal. The terminal may then provide a terminal authorization package to the smart card. The terminal authorization package is stored on the smart card. At the interface device, the terminal authorization package is provided to the provisioning server. The terminal may then securely communicate transactions with an issuer server.

Abstract: A payment device such as electronic transaction card or an near field communication device can use a temporary token for payment transactions. When processing a payment transaction, a payment reader can obtain the temporary token from the payment device and provide the temporary token to a server of the issuer of the payment device. The payment reader can receive a new temporary token and an issuer script from the server and provide the new temporary token and the issuer script to the payment device. When the payment device receives the issuer script, the payment device can execute the issuer script, while the payment device is interfaced with the payment reader, to store the new temporary token on the payment device.

Abstract: A payment device such as electronic transaction card or an near field communication device can use a temporary token for payment transactions. When processing a payment transaction, the temporary token is provided to a server of the issuer of the payment device, which can authorize the payment transaction and determine if the temporary token can be used for a subsequent transaction. If the server determines that the temporary token cannot be used for another transaction, the server provides the payment device with a new temporary token and an issuer script. When the payment device receives the issuer script, the payment device can execute the issuer script to store the new temporary token on the payment device.

Abstract: A provisioning system is provided for terminals such as point of sale terminals. An interface device interfaces with a smart card and a provisioning server, providing initialization keys and security codes that are stored on the smart card. At a terminal, an initialization key from the smart card may be provided to the terminal if a correct security code is entered at the terminal. The terminal may then provide a terminal authorization package to the smart card. The terminal authorization package is stored on the smart card. At the interface device, the terminal authorization package is provided to the provisioning server. The terminal may then securely communicate transactions with an issuer server.

Abstract: A hashing system includes data storage circuit elements that store words to be used for hashing a message. Each data storage circuit element stores a word without moving the word to any other data storage circuit element during hashing. The hashing system includes combinational logic circuit element(s) that select specified data storage circuit elements according to a specified order that simulates shifting of at least a subset of the words among the data storage circuit elements, for instance based on an order in which the words were stored and/or based a clock. The hashing system includes computational operator(s) that generate additional word(s) based on the selected specified words. The hashing system stores the additional word(s) into available data storage circuit element(s), in some cases overwriting prior word(s) that were stored in the available data storage circuit element(s). The hashing system can include a message expander (ME) and/or message compressor (MC).

Abstract: A device may run an application having information with multiple accounts associated with processing of transactions. The application may provide account information that is used to process the transactions. At the same time, a background application may operate on the device. The background application may be compatible with a second device, and when within range of the second device, may communicate background messages relevant to the transaction. The transaction may then be processed based on the account information and the background messages.

Abstract: A system for sensing a proximity of a near field communication (NFC) device includes an NFC reader that communicates with a remote NFC device through load modulation. The NFC reader transmits a wireless carrier signal from an antenna, and the remote NFC device modulates the carrier signal by changing its internal impedance in order to transmit data to the NFC reader. The NFC reader has at least one antenna for receiving the modulated signal. The antenna is coupled to circuitry that analyzes the signal received from the remote NFC device The circuitry then identifies a resonant frequency for the remote NFC device based on the received signal and controls transmission characteristics of the NFC reader for communicating with the remote NFC device based on the identified resonant frequency.

Abstract: An electronic device may include a printed circuit board having a physically unclonable function (PUF) source. The electronic device may also include processing circuitry positioned on the printed circuit board. The PUF source includes a plurality of traces and each trace includes a first portion and a second portion having an increased surface area relative to the first portion. The PUF source is responsive to an input from the processing circuitry to provide PUF data based on the impedance characteristics of the plurality of traces. The processing circuitry is further configured to process the PUF data from the PUF source to perform an operation within the device.

Abstract: A wearable device, such as a finger ring worn by a user, communicates information about a user to a reader that uses the information in order to perform a transaction. Such wearable device may be conveniently carried by and accessible to the user such that utilization of the device for the transaction is less burdensome for the user, thereby encouraging use of the device for particular transactions. Indeed, in some cases, such as when the device is implemented as a finger ring or other type of jewelry, the user may be encouraged to carry the device in an exposed manner such that it is readily available for the transaction without the user having to search in a wallet, pocket, or purse for the device.

Abstract: A near field communication (NFC) system includes an NFC reader that communicates with a remote NFC device through load modulation. The NFC reader transmits a wireless carrier signal from an antenna and has a plurality of passive receive antennas to receive the modulated signal. The NFC reader also has circuitry to provide a plurality of data streams that define data recovered from the modulated wireless carrier signal received from the plurality of receivers. The circuitry then selects, based on a location of the NFC device relative to the NFC reader, one of the plurality of data streams for use in processing a transaction.