Abstract: A mobile terminal is enabled to conduct an EMV transaction. A wireless access node in the EMV card-reader terminal is provided for connecting a mobile terminal to the card-reader terminal. An EMV-proxy module executing in the card-reader terminal facilitates communication between the mobile terminal and the card-reader terminal. The EMV-proxy module lets the mobile terminal function in essentially the same way as a regular EMV chip card with respect to the card-reader terminal. The card-reader terminal may then conduct EMV transactions on behalf of the mobile terminal without requiring new software and/or hardware at the EMV issuer. EMV data is stored in the mobile terminal in the form of secure dynamic data objects. This Abstract is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. 37 CFR 1.72(b).

Abstract: Communication devices that include one or more software components can determine whether a software component is missing, notify a computer server of a software component determined as missing, and request a download of the missing software component to the device.

Abstract: A mobile terminal is enabled to conduct an EMV transaction. A wireless access node in the EMV card-reader terminal is provided for connecting a mobile terminal to the card-reader terminal. An EMV-proxy module executing in the card-reader terminal facilitates communication between the mobile terminal and the card-reader terminal. The EMV-proxy module lets the mobile terminal function in essentially the same way as a regular EMV chip card with respect to the card-reader terminal. The card-reader terminal may then conduct EMV transactions on behalf of the mobile terminal without requiring new software and/or hardware at the EMV issuer. EMV data is stored in the mobile terminal in the form of secure dynamic data objects. This Abstract is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. 37 CFR 1.72(b).

Abstract: A mobile terminal is enabled to conduct an EMV transaction. A wireless access node in the EMV card-reader terminal is provided for connecting a mobile terminal to the card-reader terminal. An EMV-proxy module executing in the card-reader terminal facilitates communication between the mobile terminal and the card-reader terminal. The EMV-proxy module lets the mobile terminal function in essentially the same way as a regular EMV chip card with respect to the card-reader terminal. The card-reader terminal may then conduct EMV transactions on behalf of the mobile terminal without requiring new software and/or hardware at the EMV issuer. EMV data is stored in the mobile terminal in the form of secure dynamic data objects. This Abstract is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. 37 CFR 1.72(b).

Abstract: Method and apparatus for authorizing Internet transactions using the public land mobile network (PLMN). An association, or linking, of a mobile terminal to a transaction being made with a more traditional Internet access device such as a PC is provided using the resources of the public land mobile network (PLMN). The mobile terminal can in turn be used to provide authentication and/or authorization for the transaction. The link or coupling between the transaction documents or information sets presented on the two devices can be created by a service provider or merchant sending a WAP push message to the mobile terminal. Authentication and/or authorization can be provided using the client-side PKI capabilities of the wireless terminal, using a user ID and/or password, or through other means.

Abstract: Communication devices that include one or more software components can determine whether a software component is missing, notify a computer server of a software component determined as missing, and request a download of the missing software component to the device.

Abstract: A mobile terminal is enabled to conduct an EMV transaction. A wireless access node in the EMV card-reader terminal is provided for connecting a mobile terminal to the card-reader terminal. An EMV-proxy module executing in the card-reader terminal facilitates communication between the mobile terminal and the card-reader terminal. The EMV-proxy module lets the mobile terminal function in essentially the same way as a regular EMV chip card with respect to the card-reader terminal. The card-reader terminal may then conduct EMV transactions on behalf of the mobile terminal without requiring new software and/or hardware at the EMV issuer. EMV data is stored in the mobile terminal in the form of secure dynamic data objects. This Abstract is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. 37 CFR 1.72(b).

Abstract: Method and apparatus for authorizing Internet transactions using the public land mobile network (PLMN). An association, or linking, of a mobile terminal to a transaction being made with a more traditional Internet access device such as a PC is provided using the resources of the public land mobile network (PLMN). The mobile terminal can in turn be used to provide authentication and/or authorization for the transaction. The link or coupling between the transaction documents or information sets presented on the two devices can be created by a service provider or merchant sending a WAP push message to the mobile terminal. Authentication and/or authorization can be provided using the client-side PKI capabilities of the wireless terminal, using a user ID and/or password, or through other means.

Abstract: Method and apparatus for remotely disabling and enabling access to secure transaction functions of a mobile terminal. A service enables a user to immediately block access to the payment and user authentication functions in the security element of a phone or other type of mobile terminal by sending a radio message, such as a wireless application protocol (WAP) push message. These functions can be turned on again with another radio message. The security element includes a memory that is encoded with keys or key pairs for authentication and/or digital signatures, and a status register or status indicator associated with each such key. The status register is settable to a first state wherein access the key is enabled and to a second state wherein access to the key is disabled. If the terminal is equipped with a GPS subsystem, the terminal can return a confirmation message containing position information.