Abstract: A memory device for extending addressable array space by incorporating virtual and physical memory arrays is disclosed. When extra storage space beyond a physical memory array is needed by a controller of the memory device, the storage space may be provided by extending the address space using a virtual array. The memory device incorporates the use of an extra row address bit to increase the addressable space, whereby the extra bit is utilized to address virtual rows in the virtual array. Spare or redundant physical memory elements utilized for memory repair may be programmed to a virtual address space for the virtual memory array. When a memory device operation is activated, the extra row address bit is set to high, and the virtual row address matches with a spare or redundant memory element, the virtual row in the virtual array space is activated for performance of the operation.

Abstract: Payment devices and the systems and methods for securely managing financial transactions using the payment devices are provided. In one implementation, a portable proxy device comprises a memory configured to store a plurality of credentials. Each of the plurality of credentials pertains to one of a financial credential, an identification credential, or contractual credential. The portable proxy device also includes at least one interface, wherein each of the at least one interface is configured to communicate one of the plurality of credentials to an external device to complete one of a financial function, identification function, or contractual function.

Abstract: Payment devices and the systems and methods for securely managing financial transactions using the payment devices are provided. In one implementation, a portable proxy device comprises a memory configured to store a plurality of credentials. Each of the plurality of credentials pertains to one of a financial credential, an identification credential, or contractual credential. The portable proxy device also includes at least one interface, wherein each of the at least one interface is configured to communicate one of the plurality of credentials to an external device to complete one of a financial function, identification function, or contractual function.

Abstract: Payment devices and the systems and methods for securely managing financial transactions using the payment devices are provided. In one implementation, a portable proxy device comprises a memory configured to store a plurality of credentials. Each of the plurality of credentials pertains to one of a financial credential, an identification credential, or contractual credential. The portable proxy device also includes at least one interface, wherein each of the at least one interface is configured to communicate one of the plurality of credentials to an external device to complete one of a financial function, identification function, or contractual function.

Abstract: A device for storing and transmitting information stored data cards preferably includes a case, a central processing unit (CPU), an operating system, a keypad, a screen display, a secure memory device and a transmission element. A PIN must be entered through the keyboard to operate the electronic card device. The PIN is stored in the secure memory device, Data cards may be entered through a card swipe, a global platform smart card device, a NUMI Key system and manual entry. The transmission element includes a programmable magnetic stripe. The programmable magnetic stripe is programmed to replicate the data on a magnetic stripe of a card. A programmable magnetic stripe is readable by a card transaction device. The operating system displays the cards retained in the memory device through the screen display. The electronic card device preferably includes a global platform smart card device for reading and writing NFC data. Inputs and presentments are performed primarily by end user self-provisioning.