Abstract: A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user's mobile/cloud wallet.

Abstract: A method for making purchases with a mobile device at a physical location is described. A service provider receives information about an item available for purchase, and this information is projected on a surface. A user in the vicinity of the surface views the projected information and provides input through the user's mobile device. The projected information changes based on the input. The user selects an item for purchase and pays for the selected item through the mobile device.

Abstract: In transactions between a consumer and a merchant (or other third party) using services of a payment provider (e.g., credit card company, or financial services provider), methods and systems are provided for enabling any third party to accept chip and PIN payment and payment provider services using a payment provider device that is enabled using the third party's own application (referred to herein as “app”) and not the app of the payment provider. Enabling a merchant to accept chip and PIN payments usually requires the merchant to certify (accredit) their application (e.g., a point-of-sale (POS) system) end to end with the payment providers (e.g., Visa, MasterCard). A software development kit (SDK) modification to the application allows the merchant to accept chip and PIN cards the without the need to certify the application. The SDK includes the functionality that needs to be certified, and certifies it once with a service provider.

Abstract: A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user's mobile/cloud wallet.

Abstract: A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user's mobile/cloud wallet.

Abstract: An electronic payment system provided by a mobile communication device, the system including a memory storing instructions for interacting with a EMV card reader to cause payment from an issuing bank associated with a cardholder to an acquiring bank of a merchant associated with the electronic payment processing system; and one or more processors in communication with the memory configured to: initiate a transaction by passing transaction information, including a transaction amount, to the EMV card reader; receive encrypted payment authorization from the EMV card reader to process a payment from the issuing bank to the acquiring bank, wherein the one or more processors are in communication with the EMV card reader ; pass the encrypted payment authorization to the acquiring bank over a data connection; and receive a confirmation of payment from the acquiring bank over the data connection.

Abstract: A method for making purchases with a mobile device at a physical location is described. A service provider receives information about an item available for purchase, and this information is projected on a surface. A user in the vicinity of the surface views the projected information and provides input through the user's mobile device. The projected information changes based on the input. The user selects an item for purchase and pays for the selected item through the mobile device.

Abstract: A method for making purchases with a mobile device at a physical location is described. A service provider receives information about an item available for purchase, and this information is projected on a surface. A user in the vicinity of the surface views the projected information and provides input through the user's mobile device. The projected information changes based on the input. The user selects an item for purchase and pays for the selected item through the mobile device.

Abstract: A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user's mobile/cloud wallet.

Abstract: A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user's mobile/cloud wallet.

Abstract: A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user's mobile/cloud wallet.

Abstract: A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user's mobile/cloud wallet.

Abstract: A method for making purchases with a mobile device at a physical location is described. A service provider receives information about an item available for purchase, and this information is projected on a surface. A user in the vicinity of the surface views the projected information and provides input through the user's mobile device. The projected information changes based on the input. The user selects an item for purchase and pays for the selected item through the mobile device.

Abstract: An electronic payment system provided by a mobile communication device, the system including a memory storing instructions for interacting with a EMV card reader to cause payment from an issuing bank associated with a cardholder to an acquiring bank of a merchant associated with the electronic payment processing system; and one or more processors in communication with the memory configured to: initiate a transaction by passing transaction information, including a transaction amount, to the EMV card reader; receive encrypted payment authorization from the EMV card reader to process a payment from the issuing bank to the acquiring bank, wherein the one or more processors are in communication with the EMV card reader; pass the encrypted payment authorization to the acquiring bank over a data connection; and receive a confirmation of payment from the acquiring bank over the data connection.

Abstract: In transactions between a consumer and a merchant (or other third party) using services of a payment provider (e.g., credit card company, or financial services provider), methods and systems are provided for enabling any third party to accept chip and PIN payment and payment provider services using a payment provider device that is enabled using the third party's own application (referred to herein as “app”) and not the app of the payment provider. Enabling a merchant to accept chip and PIN payments usually requires the merchant to certify (accredit) their application (e.g., a point-of-sale (POS) system) end to end with the payment providers (e.g., Visa, MasterCard). A software development kit (SDK) modification to the application allows the merchant to accept chip and PIN cards the without the need to certify the application. The SDK includes the functionality that needs to be certified, and certifies it once with a service provider.

Abstract: A method for making purchases with a mobile device at a physical location is described. A service provider receives information about an item available for purchase, and this information is projected on a surface. A user in the vicinity of the surface views the projected information and provides input through the user's mobile device. The projected information changes based on the input. The user selects an item for purchase and pays for the selected item through the mobile device.

Abstract: A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user's mobile/cloud wallet.

Abstract: A method for making purchases with a mobile device at a physical location is described. A service provider receives information about an item available for purchase, and this information is projected on a surface. A user in the vicinity of the surface views the projected information and provides input through the user's mobile device. The projected information changes based on the input. The user selects an item for purchase and pays for the selected item through the mobile device.

Abstract: Briefly, in accordance with one embodiment of the invention, an integrated circuit has a voltage regulator and a clock divider that may be used to adjust the operational frequency and/or voltage potential of the integrated circuit to reduce the power consumption of the integrated circuit while in operation.

Abstract: Briefly, in accordance with one embodiment of the invention, an integrated circuit has a voltage regulator and a clock divider that may be used to adjust the operational frequency and/or voltage potential of the integrated circuit to reduce the power consumption of the integrated circuit while in operation.