Abstract: Methods are described for performing a timely authorization of digital credential data delivered from a mobile device that is without access to a local persistently stored permanent cryptographic key. An application executable in the operating system of a mobile device receives a first non-permanent cryptographic key associated with the account from a remote computer system, stores the first non-permanent cryptographic key as a local cryptographic key associated with the account; generates a response cryptogram using the local cryptographic key and without accessing the permanent cryptographic key and sends a device response communication from the mobile device to an electronic reader of a POS terminal, the device response communication comprising an application data protocol unit containing the response cryptogram and an account identifier for the account.

Abstract: Among other things, an inbound message from a customer device of a customer is received at a customer service system of an enterprise. The inbound message is part of a customer interaction and is in as first electronic interaction channel. In response to the inbound message, the customer service system automatically and electronically exposes to the customer an entry step invocable by the customer to continue the customer interaction using at least a second electronic interaction channel different from the first interaction channel. In response to an invocation by the customer of the entry step, the customer service system automatically makes available to the customer a system for sending and receiving messages in at least the second electronic interaction channel.

Abstract: An interface solution through API or SDK integrations between mobile device wallet system/application and Point Of Sale systems that implements an “out of band” channel, adjunct but not a part of the traditional payment network but with access to payment network information, for secure communications between merchants and users. The disclosed system and method is a solution, using an app with digital credentials, that provides technical integration of a system and method for communication between wallet systems and devices and CRM systems and networks.

Abstract: Methods are described for performing a timely authorization of digital credential data delivered from a mobile device that is without access to a local persistently stored permanent cryptographic key. An application executable in the operating system of a mobile device receives a first non-permanent cryptographic key associated with the account from a remote computer system, stores the first non-permanent cryptographic key as a local cryptographic key associated with the account; generates a response cryptogram using the local cryptographic key and without accessing the permanent cryptographic key and sends a device response communication from the mobile device to an electronic reader of a POS terminal, the device response communication comprising an application data protocol unit containing the response cryptogram and an account identifier for the account.

Abstract: The present invention includes a method of imaging and treating a target tissue without the need to occlude or dilute luminal blood in a subject by a combination of intravascular ultrasound and photoacoustic imaging by irradiating the target tissue with electromagnetic radiation at a single wavelength.

Abstract: Self-authorizing tokens are disclosed. Typical embodiments employ a secure element and a secure element interrogator. Such tokens may be used for authorization of financial payments and other secure transactions. In some embodiments the secure element is provisioned with information about a particular payment card holder account. A secure element reader interrogates the smart element and derives information needed to authorize a transaction. In some embodiments the secure element and the secure element interrogator communicate using communications formatted according to ISO 7816-4.

Abstract: Methods are described for performing a timely authorization of digital credential data delivered from a mobile device that is without access to a local persistently stored permanent cryptographic key; through an interrogation with a point-of-sale that behaves according to the direction of a card specification; wherein the card specification expects the mobile device to create a cryptogram that is calculated, at least in part, using the permanent cryptographic key and, at least in part, from unpredictable data delivered from the point-of-sale to the mobile device during the interrogation.

Abstract: Methods and apparatuses are disclosed for creating a software based secure element reader and a digital credential data delivery system for point-of-sale (POS) locations that do not have a secure element reader. Methods and apparatuses are described for creating a remotely hosted repository of secure elements that may be selected and connected to a mobile or a stationary device. Near-field communication (NFC) capabilities may be utilized to interrogate a selected secure element by a RFID POS reader through the mobile NFC device over a data connection between that mobile NFC device and the remote hosted secure element.

Abstract: Self-authorizing tokens are disclosed. Typical embodiments employ a secure element and a secure element interrogator. Such tokens may be used for authorization of financial payments and other secure transactions. In some embodiments the secure element is provisioned with information about a particular payment card holder account. A secure element reader interrogates the smart element and derives information needed to authorize a transaction. In some embodiments the secure element and the secure element interrogator communicate using communications formatted according to ISO 7816-4.

Abstract: Self-authorizing cards and cellular network adapters for authorization of financially payments and other secure transactions. In some embodiments a smart card is provided with a connector for a USB port on a computer terminal such as a personal computer (PC). Embodiments are also provided for mobile phones, personal digital assistants (PDAs), and similar devices. The self-authorizing devices typically include a secure element that has been previously provisioned with information about a particular card holder account. A secure element reader interrogates the smart element and derives information needed to authorize the transaction. A communications controller transmits the information to a host device, such as a PC, PDA, or a mobile phone.

Abstract: The Content Transform Proxy (CTP) service is an advanced Web proxy service, the basic function of which is to modify incoming HTTP requests having a server-side destination and/or outgoing HTTP responses. The CTP service is implemented by the CTP program, which resides on a host in a data communications network between an end user (the Web client) and a content server that the client is attempting to access. The HTTP request and/or an HTTP response is modified by making an HTTP request on the client side using a client web browser, processing the HTTP request on the server side using outgoing proxy rules, passing on the processed HTTP transaction to the server-side destination, returning the results of the processed HTTP request from the server-side destination, processing the HTTP response on the server side using incoming proxy rules, and returning the processed HTTP response to the client web browser on the client side.

Abstract: An apparatus is provided for making contactless card transactions, specifically of the secure element payment application variety, adapted for use in, but not limited to a customized and personalized skin that is applied to various mobile devices. The contactless payment skin provides a customized fit to the physical design of the mobile device to which it is applied. Customized graphics or images may be imprinted on the payment skin. The contactless payment skin is affixed to that mobile device. The contactless payment skin contains a contactless card region that houses an antenna and a secure element (SE) chip that may be used for contactless payment transactions at a merchant point of sale reader.

Abstract: An apparatus and control method provides for automated, computer control to illuminate hair, sense aspects of that hair, calculate enhancements based on the sensed aspects of the hair, and precisely apply compounds on the hair in spatial conformance with the sensed aspects to create those enhancements. Examples of such compounds are hair coloring agents and hair care agents.

Abstract: The Content Transform Proxy (CTP) service is an advanced Web proxy service, the basic function of which is to modify incoming HTTP requests having a server-side destination and/or outgoing HTTP responses. The CTP service is implemented by the CTP program, which resides on a host in a data communications network between an end user (the Web client) and a content server that the client is attempting to access. The HTTP request and/or an HTTP response is modified by making an HTTP request on the client side using a client web browser, processing the HTTP request on the server side using outgoing proxy rules, passing on the processed HTTP transaction to the server-side destination, returning the results of the processed HTTP request from the server-side destination, processing the HTTP response on the server side using incoming proxy rules, and returning the processed HTTP response to the client web browser on the client side.

Abstract: The Content Transform Proxy (CTP) service is an advanced Web proxy service, the basic function of which is to modify incoming HTTP requests having a server-side destination and/or outgoing HTTP responses. The CTP service is implemented by the CTP program, which resides on a host in a data communications network between an end user (the Web client) and a content server that the client is attempting to access. The HTTP request and/or an HTTP response is modified by making an HTTP request on the client side using a client web browser, processing the HTTP request on the server side using outgoing proxy rules, passing on the processed HTTP transaction to the server-side destination, returning the results of the processed HTTP request from the server-side destination, processing the HTTP response on the server side using incoming proxy rules, and returning the processed HTTP response to the client web browser on the client side.

Abstract: The Content Transform Proxy (CTP) service is an advanced Web proxy service, the basic function of which is to modify incoming HTTP requests having a server-side destination and/or outgoing HTTP responses. The CTP service is implemented by the CTP program, which resides on a host in a data communications network between an end user (the Web client) and a content server that the client is attempting to access. The HTTP request and/or an HTTP response is modified by making an HTTP request on the client side using a client web browser, processing the HTTP request on the server side using outgoing proxy rules, passing on the processed HTTP transaction to the server-side destination, returning the results of the processed HTTP request from the server-side destination, processing the HTTP response on the server side using incoming proxy rules, and returning the processed HTTP response to the client web browser on the client side.