Abstract: A mobile phone system with a mobile phone having internal accounting capabilities for real time call debiting to account for the billing parameters of a mobile phone unit that is operated in a multi zone communication network with a complex rate structure, the mobile phone unit having an internal processor with accessible internal memory for storing the accounting program and call data for each call, a clock and circuit means for activating and deactivating the phone, the accounting program including an updatable rate table and a complex billing algorithm for calculating the account status on the fly including multiple rate structure factors such as long distance calls, international calls with country independent local charges, charges for roaming per day and/or roaming per minute, and call surcharges, where the account status of the mobile phone is calculated in real time for decrementing a debit account or calculating an account charge on demand, the mobile debit phone having a signal for alerting the user

Abstract: A system for increasing transaction security across existing infrastructure is provided. A user bio-metric sensor device is integrated into a credit or debit card. A display unit provides a key, preferably encrypted, upon successful utilization of the sensor device. Included in the key generation mechanism is an indicator of the transaction number or other sequential count indicative of card use. An authorization service decrypts the key in a manner at least partially dependent upon a second sequential count maintained in sync with the first count to determine whether the use is authorized. In one embodiment, a separate credit card reader may be configured to read conventional credit cards, smart cards, and credit cards incorporating such bio-metric sensor devices.

Abstract: A system for increasing transaction security across existing infrastructure is provided. A user bio-metric sensor device is integrated into a credit or debit card. A display unit provides a key, preferably encrypted, upon successful utilization of the sensor device. Included in the key generation mechanism is an indicator of the transaction number or other sequential count indicative of card use. An authorization service decrypts the key in a manner at least partially dependent upon a second sequential count maintained in sync with the first count to determine whether the use is authorized.

Abstract: A system for increasing transaction security across existing infrastructure is provided. An activation mechanism sends an activation signal or a signal providing a PIN and/or other data to a processing device. If the data is verifiable, the processing device performs verification. A display unit provides a key, preferably encrypted, upon successful utilization of the sensor device. Included in the key generation mechanism is an indicator of the transaction number or other sequential count indicative of card use. An authorization service reads the key from a transaction communication PIN field and decrypts based on a second sequential count maintained in sync with the first count to determine whether the use is authorized. In one embodiment a clocking mechanism is also utilized in encrypting and decrypting the key. A separate reader may be similarly configured to read existing smart cards utilizing the process of the present invention.

Abstract: A system for increasing transaction security across existing infrastructure is provided. A user bio-metric sensor device is integrated into a credit or debit card. A display unit provides a key, preferably encrypted, upon successful utilization of the sensor device. Included in the key generation mechanism is an indicator of the transaction number or other sequential count indicative of card use. An authorization service decrypts the key in a manner at least partially dependent upon a second sequential count maintained in sync with the first count to determine whether the use is authorized. A separate reader may be similarly configured to read existing smart cards utilizing the process of the present invention.