Abstract: Detachable payment devices capable of performing payment transactions associated with a mobile wallet of a mobile device are described. The payment device may be implemented in a variety of shapes and sizes such as, the shape of a typical payment card or a stylus/electronic pen. In order to communicate with the mobile device, the mobile wallet of the mobile device, and a POS terminal, the detachable payment device may use short range contactless transmissions. While in a docked mode, the payment device may receive payment card data from a mobile wallet of the mobile device. Additionally, while docked, the payment device may transmit payment card data to a POS terminal's receiver, thereby acting as an integrated mobile payment unit with the mobile device. When in an undocked mode, the payment device may complete contactless payment transactions without assistance from the mobile device.

Abstract: Device, system and method of securely transmitting information from a mobile device or application or a user device to a mobile phone or other acoustic aware devices using audio frequency encoded data and security token transmission.

Abstract: An electronic device capable of communicating with a card reading apparatus and a payment method are provided. The electronic device includes a first cover configuring a front side of the electronic device, a second cover configuring a back side of the electronic device, a memory contained in a hollow area formed between the first and second covers, a display, at least part of which is contained in the hollow area and which is disclosed through the first cover, a processor that is contained in the hollow area and is electrically connected to the memory, and at least one loop antenna which is contained in the hollow area and electrically connected to the processor.

Abstract: Detachable payment devices capable of performing payment transactions associated with a mobile wallet of a mobile device are described. The payment device may be implemented in a variety of shapes and sizes such as, the shape of a typical payment card or a stylus/electronic pen. In order to communicate with the mobile device, the mobile wallet of the mobile device, and a POS terminal, the detachable payment device may use short range contactless transmissions. While in a docked mode, the payment device may receive payment card data from a mobile wallet of the mobile device. Additionally, while docked, the payment device may transmit payment card data to a POS terminal's receiver, thereby acting as an integrated mobile payment unit with the mobile device. When in an undocked mode, the payment device may complete contactless payment transactions without assistance from the mobile device.

Abstract: Device, system and method of securely transmitting information from a mobile device or application or a user device to a mobile phone or other acoustic aware devices using audio frequency encoded data and security token transmission.

Abstract: An electronic device capable of communicating with a card reading apparatus and a payment method are provided. The electronic device includes a first cover configuring a front side of the electronic device, a second cover configuring a back side of the electronic device, a memory contained in a hollow area formed between the first and second covers, a display, at least part of which is contained in the hollow area and which is disclosed through the first cover, a processor that is contained in the hollow area and is electrically connected to the memory, and at least one loop antenna which is contained in the hollow area and electrically connected to the processor.

Abstract: An electronic device capable of communicating with a card reading apparatus and a payment method are provided. The electronic device includes a first cover configuring a front side of the electronic device, a second cover configuring a back side of the electronic device, a memory contained in a hollow area formed between the first and second covers, a display, at least part of which is contained in the hollow area and which is disclosed through the first cover, a processor that is contained in the hollow area and is electrically connected to the memory, and at least one loop antenna which is contained in the hollow area and electrically connected to the processor.

Abstract: A transmitter to generate a signal to be read by a reader is described. The transmitter includes a driver circuit; and at least two inductors connected to the driver circuit. The driver circuit controls the current flow through the inductor and the current flow results in a signal such that the signal strength is above the detection limit of the reader for each of the inductors which may have at least one null region. Additionally, the inductors are positioned such that the null regions of the inductors do not overlap.

Abstract: Devices, systems, and methods for securely converting a user's existing static payment card data into dynamic card data that can be authenticated by card issuers or by a stand-in service provider, such as a payment network or processor without requiring the card issuers to make infrastructure changes. The dynamic data can be provisioned onto a magnetic secure transmission device (MST) either directly from a card issuer or using a swiper type device. Devices, systems, and methods are also disclosed for securely provisioning a dynamic card onto the MST by the card issuer. These dynamic cards may be used to transmit modified one-time-use card track data from the MST to a point of sale using a dynamic-CVV methodology to provide higher levels of security during a transaction.

Abstract: A system for a baseband near field magnetic stripe data transmitter includes a mobile phone, a magnetic stripe transmission (MST) device and a payment button. The mobile phone includes a payment wallet application and is configured to transmit a stream of pulses including magnetic stripe data of a payment card. The MST device includes a driver and an inductor, and the MST device is configured to receive the stream of pulses from the mobile phone, to amplify and shape the received stream of pulses and to generate and emit high energy magnetic pulses including the magnetic stripe data of the payment card. The inductor is driven by a series of timed current pulses that result in a series of high energy magnetic pulses that resemble the fluctuating magnetic field created by a moving magnetic stripe.

Abstract: An electronic device capable of communicating with a card reading apparatus and a payment method are provided. The electronic device includes a first cover configuring a front side of the electronic device, a second cover configuring a back side of the electronic device, a memory contained in a hollow area formed between the first and second covers, a display, at least part of which is contained in the hollow area and which is disclosed through the first cover, a processor that is contained in the hollow area and is electrically connected to the memory, and at least one loop antenna which is contained in the hollow area and electrically connected to the processor.

Abstract: A system for a baseband near field magnetic stripe data transmitter includes a mobile phone, a magnetic stripe transmission (MST) device and a payment button. The mobile phone includes a payment wallet application and is configured to transmit a stream of pulses including magnetic stripe data of a payment card. The MST device includes a driver and an inductor, and the MST device is configured to receive the stream of pulses from the mobile phone, to amplify and shape the received stream of pulses and to generate and emit high energy magnetic pulses including the magnetic stripe data of the payment card. The inductor is driven by a series of timed current pulses that result in a series of high energy magnetic pulses that resemble the fluctuating magnetic field created by a moving magnetic stripe.

Abstract: A system for a baseband near field magnetic stripe data transmitter includes a mobile phone, a magnetic stripe transmission (MST) device and a payment button. The mobile phone includes a payment wallet application and is configured to transmit a stream of pulses including magnetic stripe data of a payment card. The MST device includes a driver and an inductor, and the MST device is configured to receive the stream of pulses from the mobile phone, to amplify and shape the received stream of pulses and to generate and emit high energy magnetic pulses including the magnetic stripe data of the payment card. The inductor is driven by a series of timed current pulses that result in a series of high energy magnetic pulses that resemble the fluctuating magnetic field created by a moving magnetic stripe.

Abstract: Detachable payment devices capable of performing payment transactions associated with a mobile wallet of a mobile device are described. The payment device may be implemented in a variety of shapes and sizes such as, the shape of a typical payment card or a stylus/electronic pen. In order to communicate with the mobile device, the mobile wallet of the mobile device, and a POS terminal, the detachable payment device may use short range contactless transmissions. While in a docked mode, the payment device may receive payment card data from a mobile wallet of the mobile device. Additionally, while docked, the payment device may transmit payment card data to a POS terminal's receiver, thereby acting as an integrated mobile payment unit with the mobile device. When in an undocked mode, the payment device may complete contactless payment transactions without assistance from the mobile device.

Abstract: A transmitter to generate a signal to be read by a reader is described. The transmitter includes a driver circuit; and at least two inductors connected to the driver circuit. The driver circuit controls the current flow through the inductor and the current flow results in a signal such that the signal strength is above the detection limit of the reader for each of the inductors which may have at least one null region. Additionally, the inductors are positioned such that the null regions of the inductors do not overlap.

Abstract: A system for a baseband near field magnetic stripe data transmitter includes a mobile phone, a magnetic stripe transmission (MST) device and a payment button. The mobile phone includes a payment wallet application and is configured to transmit a stream of pulses including magnetic stripe data of a payment card. The MST device includes a driver and an inductor, and the MST device is configured to receive the stream of pulses from the mobile phone, to amplify and shape the received stream of pulses and to generate and emit high energy magnetic pulses including the magnetic stripe data of the payment card. The inductor is driven by a series of timed current pulses that result in a series of high energy magnetic pulses that resemble the fluctuating magnetic field created by a moving magnetic stripe.

Abstract: A system for a baseband near field magnetic stripe data transmitter includes a mobile phone, a magnetic stripe transmission (MST) device and a payment button. The mobile phone includes a payment wallet application and is configured to transmit a stream of pulses including magnetic stripe data of a payment card. The MST device includes a driver and an inductor, and the MST device is configured to receive the stream of pulses from the mobile phone, to amplify and shape the received stream of pulses and to generate and emit high energy magnetic pulses including the magnetic stripe data of the payment card. The inductor is driven by a series of timed current pulses that result in a series of high energy magnetic pulses that resemble the fluctuating magnetic field created by a moving magnetic stripe.

Abstract: Devices, systems, and methods for securely converting a user's existing static payment card data into dynamic card data that can be authenticated by card issuers or by a stand-in service provider, such as a payment network or processor without requiring the card issuers to make infrastructure changes. The dynamic data can be provisioned onto a magnetic secure transmission device (MST) either directly from a card issuer or using a swiper type device. Devices, systems, and methods are also disclosed for securely provisioning a dynamic card onto the MST by the card issuer. These dynamic cards may be used to transmit modified one-time-use card track data from the MST to a point of sale using a dynamic-CVV methodology to provide higher levels of security during a transaction.

Abstract: Devices, systems, and methods for securely converting a user's existing static payment card data into dynamic card data that can be authenticated by card issuers or by a stand-in service provider, such as a payment network or processor without requiring the card issuers to make infrastructure changes. The dynamic data can be provisioned onto a magnetic secure transmission device (MST) either directly from a card issuer or using a swiper type device. Devices, systems, and methods are also disclosed for securely provisioning a dynamic card onto the MST by the card issuer. These dynamic cards may be used to transmit modified one-time-use card track data from the MST to a point of sale using a dynamic-CVV methodology to provide higher levels of security during a transaction.

Abstract: A system for a baseband near field magnetic stripe data transmitter includes a mobile phone, a magnetic stripe transmission (MST) device and a payment button. The mobile phone includes a payment wallet application and is configured to transmit a stream of pulses including magnetic stripe data of a payment card. The MST device includes a driver and an inductor, and the MST device is configured to receive the stream of pulses from the mobile phone, to amplify and shape the received stream of pulses and to generate and emit high energy magnetic pulses including the magnetic stripe data of the payment card. The inductor is driven by a series of timed current pulses that result in a series of high energy magnetic pulses that resemble the fluctuating magnetic field created by a moving magnetic stripe.