Abstract: A smart card, including a card with EMV contacts, for determining a person's preferences and for providing services.

Abstract: A system for authenticating a first entity. The system comprises a storage component for storing a trained electronic-metric factor, a sensor for receiving an electronic-metric input from the first entity, an analysis component associated with a second entity for determining a first relationship between the trained electronic-metric factor and any electronic-metric input, and an authentication component for authenticating the first entity responsive to the first relationship.

Abstract: The present invention relates to a person's personal preferences. These personal preferences are detected or determining according to several different systems and methods and based on these preferences personal services are provided to the person. Certain embodiments of the invention utilize a “so-called” smart card, including a card with EMV contacts, for determining those preferences and/or for providing services.

Abstract: A system to authenticate an entity and/or select details relative to an action or a financial account using biometric, behavior-metric, electronic-metric and/or knowledge-metric inputs. These inputs may comprise gestures, facial expressions, body movements, voice prints, sound excerpts, etc. Features are extracted from the inputs and each feature converted to a risk score, which is then translated to a representative value, such as a letter or a number, i.e., a code or PIN that represents the input. For user authentication, the code is compared with a data base of legitimate/authenticated codes. In some embodiments a user selects specific information elements, such as an account or a payment amount using one or more of a biometric, a behavior-metric, an electronic-metric and/or a knowledge-metric input.

Abstract: An electronic wallet system that protects payment accounts, identification and other personal information found within a typical wallet with a secure electronic vault (first) device that can be part of a physical wallet, insert to a wallet, or in other embodiments, wearable/portable devices. A unique biometrically enabled multi-factor authentication process ensures only owners of the information can copy the information to the device or retrieve it thereafter. Authenticated users may then select payment, identification, medical or virtually any private information via touch display or voice command on the vault or on another (second) device that operates in conjunction with the vault. The second device comprises, for example, a programmable card with dynamic magnetic stripe, cell phone, or other wearable technology, that initiates and processes a payment and/or transfer of private information.

Abstract: The present invention relates to a person's personal preferences. These personal preferences are detected or determining according to several different systems and methods and based on these preferences personal services are provided to the person. Certain embodiments of the invention utilize a “so-called” smart card, including a card with EMV contacts, for determining those preferences and/or for providing services.

Abstract: A method for determining a dynamic pairing code for use in exchanging information between a first and a second communications entity. At the at the first communications entity, determining a first authentication score associated with a first information exchange session between the first and second communications entities, determining a second authentication score associated with a second information exchange session between the first and second communications entities, (the second information exchange spaced apart in time from the first information exchange), combining the first and second authentication scores to create a cumulative risk analysis score, and responsive to the cumulative risk analysis score, generating a dynamic pairing code for use in governing exchange of information during subsequent communications between the first and second communications entities.

Abstract: A system for authenticating a first entity. The system comprises a storage component for storing a trained electronic-metric factor, a sensor for receiving an electronic-metric input from the first entity, an analysis component associated with a second entity for determining a first relationship between the trained electronic-metric factor and any electronic-metric input, and an authentication component for authenticating the first entity responsive to the first relationship.

Abstract: A system for providing information to a magnetic card reader. The system comprises an antenna (in one embodiment comprising a multi-purpose antenna or an antenna module) and a microprocessor for applying a differential signal to the antenna. The differential signal represents data stored in a memory segment of the microprocessor or in a memory connected to the microprocessor. The antenna transmits an alternating magnetic field representing the information the alternating magnetic field is responsive to the differential signal and received by the magnetic card reader.

Abstract: A system for authenticating a first entity. The system comprises a storage component for storing a trained electronic-metric factor, a sensor for receiving an electronic-metric input from the first entity, an analysis component associated with a second entity for determining a first relationship between the trained electronic-metric factor and any electronic-metric input, and an authentication component for authenticating the first entity responsive to the first relationship.

Abstract: A method for authenticating a first entity to a second entity. The first entity supplies a first authentication credential to the second entity using a first communication scheme, and the first entity supplies a second authentication credential to the second entity using a second communication scheme. The second authentication credential is different from the first authentication credential and the second communication scheme is different from the first communication scheme. The first and second entities are authenticated responsive to the first and second authentication credentials. The first and second communication schemes may comprise different communication frequencies or different modulation types.

Abstract: An electronic wallet system that protects payment accounts, identification and other personal information found within a typical wallet with a secure electronic vault (first) device that can be part of a physical wallet, insert to a wallet, or in other embodiments, wearable/portable devices. A unique biometrically enabled multi-factor authentication process ensures only owners of the information can copy the information to the device or retrieve it thereafter. Authenticated users may then select payment, identification, medical or virtually any private information via touch display or voice command on the vault or on another (second) device that operates in conjunction with the vault. The second device comprises, for example, a programmable card with dynamic magnetic stripe, cell phone, or other wearable technology, that initiates and processes a payment and/or transfer of private information.

Abstract: An electronic wallet system that protects payment accounts, identification and other personal information found within a typical wallet with a secure electronic vault (first) device that can be part of a physical wallet, insert to a wallet, or in other embodiments, wearable/portable devices. A unique biometrically enabled multi-factor authentication process ensures only owners of the information can copy the information to the device or retrieve it thereafter. Authenticated users may then select payment, identification, medical or virtually any private information via touch display or voice command on the vault or on another (second) device that operates in conjunction with the vault. The second device comprises, for example, a programmable card with dynamic magnetic stripe, cell phone, or other wearable technology, that initiates and processes a payment and/or transfer of private information.

Abstract: An antenna for transmitting electromagnetic radiation. The antenna comprises a core further comprising at least one layer of contiguous core material and windings disposed on the core forming a plurality or winding segments. The windings define gaps between each winding segment. A microprocessor supplies current to the antenna in the form of a bit stream. The microprocessor controlling the current to control parameters of the bit stream, the parameters further comprising bit amplitude, bit width, bit rate, timing, delays, bit direction, bit order, and frequency. A material of the core comprises an amorphous or annealed material, further comprising metal or alloys, comprising one or more of nickel or nano-crystalline or nano-materials.

Abstract: A method for determining a dynamic pairing code for use in exchanging information between a first and a second communications entity. At the at the first communications entity, determining a first authentication score associated with a first information exchange session between the first and second communications entities, determining a second authentication score associated with a second information exchange session between the first and second communications entities, (the second information exchange spaced apart in time from the first information exchange), combining the first and second authentication scores to create a cumulative risk analysis score, and responsive to the cumulative risk analysis score, generating a dynamic pairing code for use in governing exchange of information during subsequent communications between the first and second communications entities.

Abstract: An antenna for transmitting electromagnetic radiation. The antenna comprises a core further comprising at least one layer of contiguous core material and windings disposed on the core forming a plurality or winding segments. The windings define gaps between each winding segment, wherein parameters of the gaps and parameters of the windings are selected to generate a balanced magnetic field. A material of the core comprises an amorphous or annealed material, further comprising metal or alloys, comprising one or more of nickel or nano-crystalline or nano-materials.

Abstract: A method for determining a dynamic pairing code for use in exchanging information between a first and a second communications entity. At the at the first communications entity, determining a first authentication score associated with a first information exchange session between the first and second communications entities, determining a second authentication score associated with a second information exchange session between the first and second communications entities, (the second information exchange spaced apart in time from the first information exchange), combining the first and second authentication scores to create a cumulative risk analysis score, and responsive to the cumulative risk analysis score, generating a dynamic pairing code for use in governing exchange of information during subsequent communications between the first and second communications entities.

Abstract: The present invention relates to a person's personal preferences. These personal preferences are detected or determining according to several different systems and methods and based on these preferences personal services are provided to the person. Certain embodiments of the invention utilize a “so-called” smart card, including a card with EMV contacts, for determining those preferences and/or for providing services.

Abstract: A system to authenticate an entity and/or select details relative to an action or a financial account using biometric, behavior-metric, electronic-metric and/or knowledge-metric inputs. These inputs may comprise gestures, facial expressions, body movements, voice prints, sound excerpts, etc. Features are extracted from the inputs and each feature converted to a risk score, which is then translated to a representative value, such as a letter or a number, i.e., a code or PIN that represents the input. For user authentication, the code is compared with a data base of legitimate/authenticated codes. In some embodiments a user selects specific information elements, such as an account or a payment amount using one or more of a biometric, a behavior-metric, an electronic-metric and/or a knowledge-metric input.

Abstract: An electronic wallet system that protects payment accounts, identification and other personal information found within a typical wallet with a secure electronic vault (first) device that can be part of a physical wallet, insert to a wallet, or in other embodiments, wearable/portable devices. A unique biometrically enabled multi-factor authentication process ensures only owners of the information can copy the information to the device or retrieve it thereafter. Authenticated users may then select payment, identification, medical or virtually any private information via touch display or voice command on the vault or on another (second) device that operates in conjunction with the vault. The second device comprises, for example, a programmable card with dynamic magnetic stripe, cell phone, or other wearable technology, that initiates and processes a payment and/or transfer of private information.