Abstract: A thin-client access card has a card body with partial or fully emissive magnetic data tracks. An emissive element is disposed in the card body under the location of the legacy magnetic data tracks. An electronic signal conditioner converts audio signals from a mobile device into magnetic data applied to the emissive element. A swipe sensor detects when the thin-client access card is being swiped by a legacy card reader, and triggers an output of magnetic data from the emissive element while proximal to the POS reader head. A cable attaches the thin-client access card as a peripheral to the mobile device with an audio output jack.

Abstract: A mobile-to-mobile transaction method allows two mobile smartphones to engage in a private transaction between themselves. The two share the same transaction server using prearranged individual enrollments. These build a dynamic digital image of a colorgram with a selected shape that defines a colorgram matrix boundary. Authentication codes, merchant coupons, product advertisements, and browser uniform resource locator (URL) links for product information and ordering, one-time-password (OTP) seeds, initialization vectors, individual enrollment passwords, or password seeds are embedded and encrypted in each colorgram. The colorgram is sent to a first one of the mobile smartphones for its display to a collocated second one of the mobile smartphones. A transaction is authenticated between users based on a calculated expectation of what should be returned when it provides its own digital image of the colorgram displayed by the first mobile smartphone.

Abstract: A thin-client access card has a card body with partial or fully emissive magnetic data tracks. An emissive element is disposed in the card body under the location of the legacy magnetic data tracks. An electronic signal conditioner converts audio signals from a mobile device into magnetic data applied to the emissive element. A swipe sensor detects when the thin-client access card is being swiped by a legacy card reader, and triggers an output of magnetic data from the emissive element while proximal to the POS reader head. A cable attaches the thin-client access card as a peripheral to the mobile device with an audio output jack.

Abstract: A thin-client access card has a card body with partial or fully emissive magnetic data tracks. An emissive element is disposed in the card body under the location of the legacy magnetic data tracks. An electronic signal conditioner converts audio signals from a mobile device into magnetic data applied to the emissive element. A swipe sensor detects when the thin-client access card is being swiped by a legacy card reader, and triggers an output of magnetic data from the emissive element while proximal to the POS reader head. A cable attaches the thin-client access card as a peripheral to the mobile device with an audio output jack.

Abstract: A thin-client access card has a card body with partial or fully emissive magnetic data tracks. An emissive element is disposed in the card body under the location of the legacy magnetic data tracks. An electronic signal conditioner converts audio signals from a mobile device into magnetic data applied to the emissive element. A swipe sensor detects when the thin-client access card is being swiped by a legacy card reader, and triggers an output of magnetic data from the emissive element while proximal to the POS reader head. A cable attaches the thin-client access card as a peripheral to the mobile device with an audio output jack.

Abstract: A magnetic interface card appears to be a payment card conventionally provided with an electromagnetic stripe and magnetic data tracks. A magnetic emissive element is disposed in the magnetic interface card body under the magnetic data tracks that can emit a variety of ISO-7813 track-2 data strings. A photo-sensor is included to receive a series of optically encoded flashes from a personal trusted device (PTD) smartphone screen that securely communicate one-time-use account information and operational parameters from a financial transaction server. The large installed base of legacy point-of-sale magnetic card readers can continue to be used without any hardware or software modifications, and card security is improved by the change to one-time-use access numbers.

Abstract: A thin-client access card has a card body with partial or fully emissive magnetic data tracks. An emissive element is disposed in the card body under the location of the legacy magnetic data tracks. An electronic signal conditioner converts audio signals from a mobile device into magnetic data applied to the emissive element. A swipe sensor detects when the thin-client access card is being swiped by a legacy card reader, and triggers an output of magnetic data from the emissive element while proximal to the POS reader head. A cable attaches the thin-client access card as a peripheral to the mobile device with an audio output jack.

Abstract: A mobile-to-mobile transaction method allows two mobile smartphones to engage in a private transaction between themselves. The two share the same transaction server using prearranged individual enrollments. These build a dynamic digital image of a colorgram with a selected shape that defines a colorgram matrix boundary. Authentication codes, merchant coupons, product advertisements, and browser uniform resource locator (URL) links for product information and ordering, one-time-password (OTP) seeds, initialization vectors, individual enrollment passwords, or password seeds are embedded and encrypted in each colorgram. The colorgram is sent to a first one of the mobile smartphones for its display to a collocated second one of the mobile smartphones. A transaction is authenticated between users based on a calculated expectation of what should be returned when it provides its own digital image of the colorgram displayed by the first mobile smartphone.

Abstract: A peer-to-peer transaction security method includes authentication and identification steps for pushing an encrypted colorgram from a transaction server to a first personal trusted device. Such provides a visual key for user authentication. Persona descriptors may be included for user identification. A decryption of the colorgram is displayed on the first personal trusted device to be optically captured by a second personal trusted device. The image captured from the second personal trusted device is encrypted and uploaded to the transaction server. In some cases, the persona descriptors alone are used to build a composite rendering for identification of the first user by the second user. The second user clicks and returns an acceptance if they recognize the composite drawing as a reasonable persona of the first user.

Abstract: A transaction security process includes authentication and identification parts for pushing an encrypted colorgram for user authentication and persona descriptors for user identification from a transaction server to a first personal trusted device. A decryption of the colorgram is displayed on the first personal trusted device. An image is captured by a second personal trusted device. An encryption of the image captured from the second personal trusted device is uploaded to the transaction server. The persona descriptors are used to build a composite rendering for identification of the first user to the second user. The second user clicks “OK” if they recognize the composite drawing as a reasonable persona of the first user.

Abstract: A payment device presents a matrix barcode on a smartphone display screen for scanning by a merchant at a point-of-sale terminal. The consumer authenticates with their payment processor by logging in with their smartphone through a back channel. A successful log-in is rewarded with a matrix barcode the consumer can allow the merchant to scan if the particulars and price of the proposed transaction are acceptable. A transaction summary and request for approval arrive back at the consumer's smartphone through the back channel. Approval can be indicated by the entry of a user PIN code, and the transaction is complete.

Abstract: A transaction security process includes authentication and identification parts for pushing an encrypted colorgram for user authentication and persona descriptors for user identification from a transaction server to a first personal trusted device. A decryption of the colorgram is displayed on the first personal trusted device. An image is captured by a second personal trusted device. An encryption of the image captured from the second personal trusted device is uploaded to the transaction server. The persona descriptors are used to build a composite rendering for identification of the first user to the second user. The second user clicks “OK” if they recognize the composite drawing as a reasonable persona of the first user.

Abstract: A transaction security process includes authentication and identification parts for pushing an encrypted colorgram for user authentication and persona descriptors for user identification from a transaction server to a first personal trusted device. A decryption of the colorgram is displayed on the first personal trusted device. An image is captured by a second personal trusted device. An encryption of the image captured from the second personal trusted device is uploaded to the transaction server. The persona descriptors are used to build a composite rendering for identification of the first user to the second user. The second user clicks “OK” if they recognize the composite drawing as a reasonable persona of the first user.

Abstract: Data and financial transactions are secured on a mobile electronics device for traceability and non-repudiation. A mobile personal trusted device (PTD) is needed to communicate over a network to a transaction server. Characteristic abstracts of objects carried by users have distinctive features that can be associated with and registered to a particular user and are recorded. An abstract contemporaneously obtained during a secure transaction is sent to a server for use as an authenticator for comparison to an abstract previously obtained and registered to said user. A traceable transaction record is rendered that is highly identifiable and substantially indisputable.

Abstract: A payment card manufacturing process glues a thin battery and an autonomously reprogrammable magnetic device to the inside surface of one of two outer front and rear laminate sheets. The magnetic device is pressed through a precisely cut rectangular hole provided for it in the rear laminate sheet, and is sealed with a gasket bead. Such magnetic device is critically placed flush in a magnetic stripe area, and the end gaps are such that they will minimize adverse magnetic transitions seen by a reader between the magnetic stripe field and the autonomously reprogrammable magnetic device. The surfaces of the battery, electronics, and laminate sheets, are plasma treated to promote adhesion. These are then all sandwiched together inside a heated mold that is tilted or vibrated just before a two-part polyurethane is injected. Each of the two polyurethane parts is temperature adjusted to match viscosities and thus improve mixing.

Abstract: A security system includes a software application running in a user's smartphone and a separately carried visual key that the user can image at will with the smartphone's camera. An effective visual key would typically comprise digital data encoded in a series of colored cells arranged in a colorgram. Such digital data is treated as a what-you-have security factor, and is concatenated with other security factors so users can authenticate themselves to websites, internet services, and even within the smartphone device itself or its applications. In one aspect, when users authenticate themselves to a server, the server returns a short-term supply of one-time-passwords or account numbers for use in secure access and financial transactions on other systems.

Abstract: A security system includes a software application running in a user's smartphone and a separately carried visual key that the user can image at will with the smartphone's camera. An effective visual key would typically comprise digital data encoded in a series of colored cells arranged in a colorgram. Such digital data is treated as a what-you-have security factor, and is concatenated with other security factors so users can authenticate themselves to websites, internet services, and even within the smartphone device itself or its applications. In one aspect, when users authenticate themselves to a server, the server returns a short-term supply of one-time-passwords or account numbers for use in secure access and financial transactions on other systems.

Abstract: A payment card comprises a store of issuer-defined pre-generated cryptograms that are loaded only once into the Card by a perso-bureau or issuer. An on-board and autonomous electronic display of the personal account number (PAN), card verification value (CVV), or expiration date (EXP) is auto-sequenced through the stored cryptograms. Each value displayed to the user is unique, and useful in a financial transaction only once. The Card thus requires no changes in behavior on the part of the User, because the existing merchant infrastructure is already equipped to collect PAN+CVV+EXP data for user verification and transaction authorization.

Abstract: A payment card comprises a display to support card-not-present transactions where no card reader is available to automate the transaction, and an account number retrieval method for dynamic, one-time use virtual account numbers whose use can assist authorities in rapid fraud and location detection. The account number generator is able to produce a sequence of virtual account numbers over its life that are predictable by the issuing bank and useful in authenticating transactions. A server for the issuing bank logs the merchant locations associated with each use or attempted use, and provides real-time detection of fraudulent attempts to use a virtual account number outside the predicted set. Fraud identification efforts can then be directed in a timely and useful way.

Abstract: A magnetic interface card appears to be a payment card conventionally provided with an electromagnetic stripe and magnetic data tracks. A magnetic emissive element is disposed in the magnetic interface card body under the magnetic data tracks that can emit a variety of ISO-7813 track-2 data strings. A photo-sensor is included to receive a series of optically encoded flashes from a personal trusted device (PTD) smartphone screen that securely communicate one-time-use account information and operational parameters from a financial transaction server. The large installed base of legacy point-of-sale magnetic card readers can continue to be used without any hardware or software modifications, and card security is improved by the change to one-time-use access numbers.