Abstract: Application system for mobile means of payment comprising mobile devices. A service provider, an account manager, a balance manager and a mobile POS terminal for executing a payment transaction initiated by a merchant and receiving the result of it.

Abstract: Systems and method of the present solution are directed to authenticating and updating a near-field-communication (NFC) chip over a network. According to one aspect, a method of authenticating and updating a NFC chip over a network includes identifying, by a device, a NFC chip of the device. The NFC chip is configured with an identification code established by a NFC server to uniquely identify the NFC chip. The method includes sending, by the device, a signal that includes the identification code over a network to the NFC server. The method further includes establishing a secure communication link over the network between the NFC server and the device responsive to authenticating the NFC chip by the NFC server via the identification code. The method also includes receiving, by the device via the secure communication link, data from the NFC server to store to the NFC chip and storing, by the device, the data to the NFC chip.

Abstract: Systems and method of the present solution are directed to a motion QR code. In general a motion QR code is a 2D code that evolves over time. More particularly, the motion QR code is displayed, or “played”, to sequentially reveal a plurality of 2D codes. The 2D codes can include 2D barcodes, QR codes, Aztec codes, data matrix codes, or similar codes and are generically referred to as 2D codes. In comparison the a traditional 2D code, the motion QR code dramatically increases the amount of information displayed. The systems and methods described herein a related to a system and method for generating, transmitting, displaying, and authenticating motion QR codes. The QR motion codes can be displayed on, and scanned by, applications executing on client devices such as smartphones and tablet computers.

Abstract: Systems and method of the present solution are directed to authenticating and updating a near-field-communication (NFC) chip over a network. According to one aspect, a method of authenticating and updating a NFC chip over a network includes identifying, by a device, a NFC chip of the device. The NFC chip is configured with an identification code established by a NFC server to uniquely identify the NFC chip. The method includes sending, by the device, a signal that includes the identification code over a network to the NFC server. The method further includes establishing a secure communication link over the network between the NFC server and the device responsive to authenticating the NFC chip by the NFC server via the identification code. The method also includes receiving, by the device via the secure communication link, data from the NFC server to store to the NFC chip and storing, by the device, the data to the NFC chip.

Abstract: The present solution is directed to an architecture and a process for registering cards for use, such as bank cards, credit cards, loyalty cards, club cards, or any other card that is configured to carry data or monetary value. The solution provides safe and fast means for registering the card in a mobile computing environment. The system enables a card issuer to unambiguously identify an end user—for example, by one or two factor authentication. Responsive to the identification of the end user by the system, a 2D code that encodes the data needed for registration of the card is presented to the user. The data can be encrypted and the method of delivery to the user can be selected by user or the card issuer. With a mobile application, the user scans the presented 2D code. The mobile application transmits the data of the 2D code to the server, which decrypts and verifies the data. Responsive to decrypting and verifying the data, the card of the card holder is registered.

Abstract: Systems and method of the present solution are directed to a motion QR code. In general a motion QR code is a 2D code that evolves over time. More particularly, the motion QR code is displayed, or “played”, to sequentially reveal a plurality of 2D codes. The 2D codes can include 2D barcodes, QR codes, Aztec codes, data matrix codes, or similar codes and are generically referred to as 2D codes. In comparison the a traditional 2D code, the motion QR code dramatically increases the amount of information displayed. The systems and methods described herein a related to a system and method for generating, transmitting, displaying, and authenticating motion QR codes. The QR motion codes can be displayed on, and scanned by, applications executing on client devices such as smartphones and tablet computers. The QR motion codes can be incorporated into traditional IDs, tickets, passes, or other document management systems.

Abstract: The present solution is directed to an architecture and a process for registering cards for use, such as bank cards, credit cards, loyalty cards, club cards, or any other card that is configured to carry data or monetary value. The solution provides safe and fast means for registering the card in a mobile computing environment. The system enables a card issuer to unambiguously identify an end user—for example, by one or two factor authentication. Responsive to the identification of the end user by the system, a 2D code that encodes the data needed for registration of the card is presented to the user. The data can be encrypted and the method of delivery to the user can be selected by user or the card issuer. With a mobile application, the user scans the presented 2D code. The mobile application transmits the data of the 2D code to the server, which decrypts and verifies the data. Responsive to decrypting and verifying the data, the card of the card holder is registered.

Abstract: The present solution is directed to an architecture and a process for registering cards for use, such as bank cards, credit cards, loyalty cards, club cards, or any other card that is configured to carry data or monetary value. The solution provides safe and fast means for registering the card in a mobile computing environment. The system enables a card issuer to unambiguously identify an end user—for example, by one or two factor authentication. Responsive to the identification of the end user by the system, a 2D code that encodes the data needed for registration of the card is presented to the user. The data can be encrypted and the method of delivery to the user can be selected by user or the card issuer. With a mobile application, the user scans the presented 2D code. The mobile application transmits the data of the 2D code to the server, which decrypts and verifies the data. Responsive to decrypting and verifying the data, the card of the card holder is registered.

Abstract: The present solution is directed to an architecture and a process for generating and using quick cards or single-use payment tokens (generally referred to as tokens). The solution provides a safe and fast means for generating and using the tokens in a mobile computing environment. The funds for the tokens may be provided by traditional banking cards, bank accounts, credit cards, or other payment instruments. A user may request the generation of a token to be charged to one of the users associated payment instruments. The generated token is sent to a client device of a payor. The payor may then present the token to a payee. With a second client device, the payee can scan the token displayed on the payor's client device. The payee's client device then transmits the scanned token back to the token server, where an authorizer reviews the token. Responsive to determining the received token is a valid token, the authorizer sends an authorization advice to the payment instrument, completing the transaction.

Abstract: Systems and method of the present solution are directed to a motion QR code. In general a motion QR code is a 2D code that evolves over time. More particularly, the motion QR code is displayed, or “played”, to sequentially reveal a plurality of 2D codes. The 2D codes can include 2D barcodes, QR codes, Aztec codes, data matrix codes, or similar codes and are generically referred to as 2D codes. In comparison the a traditional 2D code, the motion QR code dramatically increases the amount of information displayed. The systems and methods described herein a related to a system and method for generating, transmitting, displaying, and authenticating motion QR codes. The QR motion codes can be displayed on, and scanned by, applications executing on client devices such as smartphones and tablet computers.

Abstract: Application system for mobile means of payment comprising mobile devices. A service provider, an account manager, a balance manager and a mobile POS terminal for executing a payment transaction initiated by a merchant and receiving the result of it.

Abstract: Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, in which each client have an extended function SIM card containing payment utility and regular bank card identification information. A mobil pay center (4) is connecting to the client and the service provider (2) of the actual transaction through a bidirectional cryptographic interface and a communication channel of the first type, and is connecting to one or more bank card authorisation center (11) of the actual transaction through a bidirectional cryptographic interface and a communication channel of the second type. The mobil pay center (4) is comprising at least one virtual POS terminal (5) for each service provider (2). The virtual POS terminal (5) handle authorisation messages received through communication channel of the second type.

Abstract: Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, in which each client have an extended function SIM card containing payment utility and regular bank card identification information. A mobil pay center (4) is connecting to the client and the service provider (2) of the actual transaction through a bidirectional cryptographic interface and a communication chanel of the first type, and is connecting to one or more bank card authorisation center (11) of the actual transaction through a bidirectional cryptographic interface and a communication chanel of the second type. The mobil pay center (4) is comprising at least one virtual POS terminal (5) for each service provider (2). The virtual POS terminal (5) handle authorisation messages received through communication chanel of the second type.