Abstract: A card for use in secure transactions includes a card body having a first major surface and a second major surface; one or more groupings of a plurality of individual distinct symbols viewable from the first major surface, each individual distinct symbol comprising a single segment defining the individual distinct symbol that upon activation illuminates the respective individual distinct symbol; and a controller coupled to the plurality of individual distinct symbols. The controller is operable to produce a one-time password value and to selectively activate individual ones of individual distinct symbols to identify a sub-combination of the plurality of individual distinct symbols, thereby displaying an illuminated one-time password token for use in a secure transaction.

Abstract: A card for use in secure transactions includes a card body having a first major surface and a second major surface; one or more groupings of a plurality of individual distinct symbols viewable from the first major surface, each individual distinct symbol comprising a single segment defining the individual distinct symbol that upon activation illuminates the respective individual distinct symbol; and a controller coupled to the plurality of individual distinct symbols. The controller is operable to produce a one-time password value and to selectively activate individual ones of individual distinct symbols to identify a sub-combination of the plurality of individual distinct symbols, thereby displaying an illuminated one-time password token for use in a secure transaction.

Abstract: A handheld unit which is capable of emulating a plurality of smartcards or magnetic stripe cards. The unit has the capability of storing a plurality of data sets representing a plurality of accounts. The unit is equipped with an RF interface that can emulate a smartcard interface that is capable of communicating with smartcard readers at POS or ATM terminals, or anywhere else a smartcard may be utilized. The unit is also equipped with a programmable magnetic strip such that it can be used anywhere a magnetic stripe card can be swiped or inserted. The unit is equipped with a biometric sensor to positively verify an authenticated user.