Abstract: A cloud computing environment for providing remote secure element services, comprising at least one server, a plurality of secure elements being connectable to the at least one server, each secure element having a secure element identifier and comprising at least one secure element application having a secure element application identifier, each secure element application being uniquely addressable by the at least one server with the secure element identifier of the secure element containing the given secure element application and the secure element application identifier of the given secure element application. A method for providing secure element services performed by the cloud computing environment is also disclosed.

Abstract: The invention relates to client-side credential control to allow remote access to a second device by a first device, including: storing a private key of a key pair in a secure storage device of a first device, generating data related to a command executable by the second device, checking in the secure storage device, whether the data corresponds to at least one user credential related to the command executable by the second device stored in the secure storage device, signing a data block derived from the data using the private key, and transmitting a data packet generated from the data block to a gateway of the second device.

Abstract: The invention relates to client-side credential control to allow remote access to a second device by a first device, including: storing a private key of a key pair in a secure storage device of a first device, generating data related to a command executable by the second device, checking in the secure storage device, whether the data corresponds to at least one user credential related to the command executable by the second device stored in the secure storage device, signing a data block derived from the data using the private key, and transmitting a data packet generated from the data block to a gateway of the second device.

Abstract: The invention relates to a method for performing authenticated bank card payment transaction, comprising registering a user (12) having a communication device (10) suitable for data communication through a communication channel (25) and comprising data storage (14) and data input interface (26).

Abstract: The invention relates to a method for enabling post issuance operation on a secure element connectable to a communication device. The method allows an SE controlling party to perform remotely operations such as creation of new security domains for an external party, loading, and installation of applications of an external party and management functions including personalization and activation of applications loaded on the SE for an external party. The method includes the steps of: collecting data stored on the SE suitable for identification of the SE and data for contacting the SE controlling party; creating an initial data packet from the collected data, sending the data packet to a party which can be the external party, an agent of the external party, the SE controlling party, an agent of the SE controlling party. The invention further relates to a communication device and a software application for implementing the method.

Abstract: The invention relates to a method for remotely performing operations determined by a service provider on a secure element connected to a communication device having a user application capable of IP based communication, characterized by providing a non service provider specific Internet terminal client module for the user application for establishing connection with the secure element; obtaining context parameters for connection to an Internet terminal provider module hosted on a remote server via the user application, launching the Internet terminal client module by the user application, using the context parameters to establish remote connection between the Internet terminal provider module and the Internet terminal client module, detecting the secure element connected to the communication device via the Internet terminal client module, opening a virtual communication channel between the Internet terminal provider module and the secure element over the connection between the Internet terminal client module a

Abstract: The invention relates to a method for enabling post issuance operation on a secure element connectable to a communication device. The method allows an SE controlling party to perform remotely operations such as creation of new security domains for an external party, loading, and installation of applications of an external party and management functions including personalization and activation of applications loaded on the SE for an external party. The method includes the steps of: collecting data stored on the SE suitable for identification of the SE and data for contacting the SE controlling party; creating an initial data packet from the collected data, sending the data packet to a party which can be the external party, an agent of the external party, the SE controlling party, an agent of the SE controlling party. The invention further relates to a communication device and a software application for implementing the method.

Abstract: The invention relates to a method for enabling post issuance operation on a secure element connectable to a communication device. The method allows an SE controlling party to perform remotely operations such as creation of new security domains for an external party, loading, and installation of applications of an external party and management functions including personalization and activation of applications loaded on the SE for an external party. The method includes the steps of: collecting data stored on the SE suitable for identification of the SE and data for contacting the SE controlling party; creating an initial data packet from the collected data, sending the data packet to a party which can be the external party, an agent of the external party, the SE controlling party, an agent of the SE controlling party. The invention further relates to a communication device and a software application for implementing the method.

Abstract: The invention relates to a method for remotely performing operations determined by a service provider on a secure element connected to a communication device having a user application capable of IP based communication, characterised by providing a non service provider specific Internet terminal client module for the user application for establishing connection with the secure element; obtaining context parameters for connection to an Internet terminal provider module hosted on a remote server via the user application, launching the Internet terminal client module by the user application, using the context parameters to establish remote connection between the Internet terminal provider module and the Internet terminal client module, detecting the secure element connected to the communication device via the Internet terminal client module, opening a virtual communication channel between the Internet terminal provider module and the secure element over the connection between the Internet terminal client module a

Abstract: The invention relates to a method for enabling post issuance operation on a secure element connectable to a communication device. The method allows an SE controlling party to perform remotely operations such as creation of new security domains for an external party, loading, and installation of applications of an external party and management functions including personalization and activation of applications loaded on the SE for an external party. The method includes the steps of: collecting data stored on the SE suitable for identification of the SE and data for contacting the SE controlling party; creating an initial data packet from the collected data, sending the data packet to a party which can be the external party, an agent of the external party, the SE controlling party, an agent of the SE controlling party. The invention further relates to a communication device and a software application for implementing the method.

Abstract: The invention relates to a method for performing authenticated bank card payment transaction, comprising registering a user (12) having a communication device (10) suitable for data communication through a communication channel (25) and comprising data storage (14) and data input interface (26).

Abstract: The present invention relates to a method for the quasi real-time preparation and consecutive execution of a financial transaction between a payor and a payee. The method comprises the steps of: receiving a transaction order by a payor selected financial service provider from the payor; identifying the payor's account based on the transaction order; performing a comparison check of the transaction order and the payor's account, wherein when the comparison check is successful executing a balance transformation on the payor's account in accordance with the transaction order; establishing a communication channel with a payee-selected entity; notifying the payee-selected entity of the result of the balance transformation over the communication channel, and completing the financial settlement of the financial transaction.

Abstract: A method for enabling post issuance operation on a secure element connectable to a communication device is disclosed. The method allows an SE controlling party to perform remotely operations such as creation of new security domains for an external party, loading, and installation of applications of an external party and management functions including personalization and activation of applications loaded on the SE for an external party. The method includes the steps of: collecting data stored on the SE suitable for identification of the SE and data for contacting the SE controlling party; creating an initial data packet from the collected data, sending the data packet to a party which can be the external party, an agent of the external party, the SE controlling party, an agent of the SE controlling party. A communication device and a software application for implementing the method are also disclosed.

Abstract: The present invention relates to a method for the quasi real-time preparation and consecutive execution of a financial transaction between a payor and a payee. The method comprises the steps of: receiving a transaction order by a payor selected financial service provider from the payor; identifying the payor's account based on the transaction order; performing a comparison check of the transaction order and the payor's account, wherein when the comparison check is successful executing a balance transformation on the payor's account in accordance with the transaction order; establishing a communication channel with a payee-selected entity; notifying the payee-selected entity of the result of the balance transformation over the communication channel, and completing the financial settlement of the financial transaction.

Abstract: The invention relates to a method for realising on-line electronic purchase transaction between a buyer and a merchant, the buyer having a buyer communication means, the merchant having a merchant system, a communication network being provided for allowing data exchange between the buyer communication means and the merchant system, the merchant system comprising a purchase offer site, and the merchant system being configured to allow for selecting at least one item of purchase via the purchase offer site; the method comprising the steps of: providing a buyer web-pay module at the buyer communication means; providing a merchant web-pay module at the merchant system; storing static merchant data by the merchant web-pay module and/or by the merchant system, the static merchant data including merchant identification data for a financial service provider; initiating a communication between the buyer web-pay module and the merchant web-pay module; providing dynamic transaction data and optionally also static mer

Abstract: A system for electronic implementation of a business transaction between parties thereto is disclosed. The system comprises an operably inter-connectable network which includes a transaction processing unit of a payor selected financial service provider, a transaction processing unit of a payee selected financial service provider, a payor input/output unit operably connectable with the transaction processing unit of the payor selected financial service provider, and a payee input/output unit operably connectable with the transaction processing unit of the payee selected financial service provider. The transaction processing unit of the payor selected financial service provider and the transaction processing unit of the payee selected financial service provider are operably connectable to one another.

Abstract: The invention relates to a procedure according to the invention for initiating purchase through the Internet between a seller and a buyer, in the course of which the virtual data units of the seller's products and/or services is sent to the buyer's communication unit through a signal forwarding network, and at least a part of the virtual data units of the products and/or services is displayed on a display unit, and using the signal forwarding network an information technology command channel needed to initiate purchase is established between the seller's communication unit abd the buyer's communication unit, and the purchase is initiated by activating the information technology command channel, characterised by that before starting the purchase an internal transaction initiating interface (14) is created deriving from the buyer's (1) communication unit (10) and only accessible by the buyer's (1) comunication unit (10), the transaction initiating interface (14) is provided with an exclusive address (14a), the

Abstract: The invention relates to a set of equipment according to the invention for the preparation and execution of the financial performance of a business transaction between a seller and a buyer, which contains an internal communication unit belonging to the seller's financial institution and an internal communication unit belonging to the buyer's financial institution, an information transmission network connecting the internal communication units of the financial institutions, furthermore, an external seller communication unit belonging to the seller and an external buyer communication unit belonging to the buyer, the external seller communication unit and the external buyer communication unit have data transmission channels, the data transmission channel of the external seller communication unit is connected to the internal communication unit of the seller's financial institution and the data transmission channel of the external buyer communication unit is connected to the internal communication unit of the buye

Abstract: The present invention relates to a procedure for the reliable preparation and execution of the financial settlement of a business transaction between a seller and buyer, during which on the basis of the transaction agreement concluded between the seller and the buyer a payment data file is created containing primary payment information, the payment date file is forwarded to the buyer's mediation unit either directly or with the intervention of the buyer's IT device situated at the buyer, the payment data file is checked in the buyer's mediation unit, then following the check, depending on its result a balance transformation is carried out on the data of the financial unit in accordance with the payment data file, and passing the result of the balance transformation on to the seller's financial unit the financial settlement of the business transaction is carried out characterised by that during of following the business transaction concluded between the seller (10) and the buyer (130) creates a unique transact