Abstract: A method for conducting a mobile financial transaction using an NFC secure element and transmitting data associated with the transaction between a wireless communication and a remote server. The method includes running a mobile application on the wireless communication device, in which the mobile application is a rich client application. The method further includes transmitting data associated with the mobile application between the wireless communication device and the remote server using short message service (SMS). The mobile application links corresponding data transmitted through the short message service (SMS) for use by the mobile application.

Abstract: A method for transmitting data between a wireless communication and a remote server. The method includes running a mobile application on the wireless communication device, in which the mobile application is a rich client application. The method further includes transmitting data associated with the mobile application between the wireless communication device and the remote server using short message service (SMS). The mobile application links corresponding data transmitted through the short message service (SMS) for use by the mobile application.

Abstract: The present invention provides a method and apparatus for completing a transaction using a wireless mobile communication channel and another communication channel, particularly another communication channel that provides for near field radio channels (NFC), as well as other communication channels, such as Bluetooth or WIFI. The present invention also provides a method of completing a transaction in which a management server assists a transaction server and a point of sale terminal in forwarding transaction information to a hand-held mobile device, with the transaction having originated from the hand-held mobile device. There is also provided a hand-held mobile device that wirelessly communicates between a secure element and a radio element that are associated with the hand-held mobile device.

Abstract: A method and system for customizing a mobile application running on a mobile communication device of a user. In one implementation, the method includes providing the mobile application to the mobile communication device of the user, the mobile application having a generic platform; determining a special interest group (SIG) that is affiliated with the user; and customizing the generic platform of the mobile application based on information specific to the special interest group (SIG) that is affiliated with the user.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: A method and system for sending an artifact to a mobile communication device of a user. In one implementation, the method includes receiving a request from an application to send an artifact to a mobile communication device of a user; retrieving personal information from a user profile of the user; retrieving a transaction history of the user, the transaction history including a history of transactions made by the user through the mobile communication device; selecting an artifact to send to the mobile communication device based on the user profile and the transaction history of the user; and sending the selected artifact to the mobile communication device.

Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

Abstract: A method for scheduling a banking transaction using a mobile communication device. The method includes creating a task on the mobile communication device to perform a banking transaction while the mobile communication device has no network connectivity, the mobile communication device actively monitoring for an available network to access. In response to identifying an available network to access, the mobile communication device automatically connects to the available network and uploads the task to a server to complete the banking transaction.

Abstract: A method for transmitting data between a wireless communication and a remote server. The method includes running a mobile application on the wireless communication device, in which the mobile application is a rich client application. The method further includes transmitting data associated with the mobile application between the wireless communication device and the remote server using short message service (SMS). The mobile application links corresponding data transmitted through the short message service (SMS) for use by the mobile application.

Abstract: A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.

Abstract: A method for using a mobile communication device to purchase a ticket for an event. The method comprises locating an event of interest to a user through the mobile communication device, displaying a seating map of a venue in which the event of interest is being held, the seating map being displayed on the mobile communication device, receiving user input selecting an available seat on the seating map, issuing an electronic ticket to the user for the seat, and storing the electronic ticket on the mobile communication device.

Abstract: The present invention provides a method and apparatus for completing a transaction using a wireless mobile communication channel and another communication channel, particularly another communication channel that provides for near field radio channels (NFC), as well as other communication channels, such as Bluetooth or WIFI. The present invention also provides a method of completing a transaction in which a management server assists a transaction server and a point of sale terminal in forwarding transaction information to a hand-held mobile device, with the transaction having originated from the hand-held mobile device. There is also provided a hand-held mobile device that wirelessly communicates between a secure element and a radio element that are associated with the hand-held mobile device.

Abstract: An apparatus and method are provided for determining a level of expertise applicable to a particular document and for using this determined level of expertise in an improved information retrieval arrangement. A trainable document classifier is used to identify an applicable level of expertise using a metric indicative of the commonality, as measured with reference to a reference corpus, of terms comprised in a given document, trained using a training set of documents comprising, for each of a plurality of predetermined levels of expertise, a representative sample of documents and their respective metric values. An information retrieval apparatus is arranged to identify documents relevant to a specified category of information and to select from documents so identified those having a level of expertise, determined by the trained document classifier, matching a specified level of expertise for a target user in respect of that category of information.