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: 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 performing payment transactions includes a wearable payment device, such as a finger ring worn by a user, that communicates payment data to a payment reader that uses the payment data in order to request a payment transaction. The system also includes a mobile communication device that receives an input associated with the payment transaction from the user and wirelessly transmits information to the wearable payment device based on the input. The wearable payment device can use the information from the mobile communication device for performing the payment transaction and transmit at least a portion of the information from the mobile communication device to the payment reader during the payment transaction.

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.

Abstract: An electronic device, such as a payment reader, may include a physically unclonable function (PUF) source to generate a plurality of PUF values. The electronic device may also include circuitry to compare the plurality of PUF values from the PUF source to determine a degree of randomness of the at least one PUF source in generating the plurality of PUF values. The circuitry can then determine, based on the determined degree of randomness, whether to use the PUF values from the PUF source to perform a secure operation for the electronic device.

Abstract: A wearable payment device, such as a finger ring worn by a user, communicates payment data via an antenna to a payment reader that uses the payment data in order to request a payment transaction. The wearable payment device can tune the antenna to enhance performance of the antenna. The wearable payment device can measure a characteristic of the antenna and perform an assessment of the performance of the antenna based on the measured characteristic. The antenna can be tuned, such as by changing the impedance of the antenna, based on the assessed performance of the antenna.

Abstract: A wireless communication device communicates with an inductively coupled device via a wireless carrier signal that may be modulated by both the wireless communication device and the inductively coupled device. The inductively coupled signal is transmitted from a transponder antenna of the wireless communication device. The wireless communication device also includes an auxiliary antenna. The auxiliary antenna is enabled while the wireless communication device is receiving a modulated version of the wireless carrier signal from the inductively coupled device.

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

Abstract: A transaction chip can exchange information with a chip card during a payment transaction. The transaction chip can incorporate a processing unit, a memory device, a contact interface and power and communication circuitry. The transaction chip can acquire payment information from the chip card when the EMV chip of the chip card is interfaced with the power and communication circuitry of the transaction chip via the contact interface.

Abstract: In some examples, a system and method for pairing a payment object reader with a point-of-sale (POS) terminal is described herein. The payment object reader includes one or more light indicators configured to display information in an optical pattern of one or more colors, brightness, lightness, and intensities, wherein the light indicators display a first optical pattern representative of an operational status of the payment object reader in a first mode, and a second optical pattern representative of a pairing code in a second mode. A display control component, executed by a processor, is configured to control the light indicators in accordance with the pairing code to generate the second optical pattern, the second optical pattern when shared with the POS terminal enables pairing between the payment object reader and the POS terminal. When paired, the payment object reader allows the POS terminal to accept payments from a customer.

Abstract: An electronic device may include a printed circuit board having a physically unclonable function (PUF) source. The electronic device may also include an integrated circuit (IC) chip positioned on the printed circuit board, and the first PUF source may be embedded in or formed on the printed circuit board external to the IC chip. The IC chip has processing circuitry that is configured to determine PUF data based on the PUF source. The processing circuitry is further configured to determine a cryptographic key or authentication token based on the PUF data and to perform at least one secure operation using the cryptographic key or authentication token.

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

Abstract: In some examples, a system and method for pairing a payment object reader with a point-of-sale (POS) terminal is described herein. The payment object reader includes one or more light indicators configured to display information in an optical pattern of one or more colors, brightness, lightness, and intensities, wherein the light indicators display a first optical pattern representative of an operational status of the payment object reader in a first mode, and a second optical pattern representative of a pairing code in a second mode. A display control component, executed by a processor, is configured to control the light indicators in accordance with the pairing code to generate the second optical pattern, the second optical pattern when shared with the POS terminal enables pairing between the payment object reader and the POS terminal. When paired, the payment object reader allows the POS terminal to accept payments from a customer.

Abstract: An electronic device may include circuitry and an anti-tamper device having a physical characteristic that changes in response to a tamper attempt. The circuitry is configured to determine physically unclonable function (PUF) data based on the physical characteristic and to perform at least one secure operation based on the PUF data. The circuitry is further configured to detect the tamper attempt based a change to the physical characteristic and to perform at least one action in response to detection of the tamper attempt for protecting the electronic device from the tamper attempt.