Abstract: Described herein are a system and techniques for conducting transactions upon receiving a biometric sample from a user. In some embodiments, a security device obtains a biometric sample from a user. The security device then provides the biometric sample, or a biometric template derived therefrom, to a service provider, which is able to identify and authenticate the user based on the biometric sample. The service provider then obtains access credential and/or supplemental information for the user and provides it to the security device. The security device is then capable of completing a transaction using the received access credential data. In some embodiments, this may involve generating a cryptogram to be used in the transaction.

Abstract: A method and system for biometric self-enrollment is provided. A user can receive a portable device and an enrollment device, as well as an enrollment identifier in a separate communication. The user can couple the portable device and the enrollment device, enter the enrollment identifier into the enrollment device. Using the coupled portable device, the user can capture a biometric that can be stored on the portable device. At another time, a user can provide an additional biometric to the portable device. The portable device can compare the biometric received during the biometric self-enrollment and compare it to the additional biometric as part of a biometric authentication procedure. An enrolled portable device can be utilized for a variety of subsequent transactions.

Abstract: A system that incorporates the subject disclosure may perform, for example, operations including receiving an encrypted secure token from a secure token application function that is remote from the communication device, storing the encrypted secure token in a secure element memory of the secure element, accessing user input requesting the encrypted secure token where the secure device processor is separate from the secure element and is in communication with the secure element, generating a modified secure token by adding identification information to the encrypted secure token and by performing a second encryption of the encrypted secure token with the identification information, receiving the modified secure token from the secure element, and providing the modified secure token to a receiving device. Other embodiments are disclosed.

Abstract: A system that incorporates the subject disclosure may perform, for example, operations including receiving an encrypted secure token from a secure token application function that is remote from the communication device, storing the encrypted secure token in a secure element memory of the secure element, accessing user input requesting the encrypted secure token where the secure device processor is separate from the secure element and is in communication with the secure element, generating a modified secure token by adding identification information to the encrypted secure token and by performing a second encryption of the encrypted secure token with the identification information, receiving the modified secure token from the secure element, and providing the modified secure token to a receiving device. Other embodiments are disclosed.

Abstract: A system that incorporates the subject disclosure may perform, for example, operations including receiving an encrypted secure token from a secure token application function that is remote from the communication device, storing the encrypted secure token in a secure element memory of the secure element, accessing user input requesting the encrypted secure token where the secure device processor is separate from the secure element and is in communication with the secure element, generating a modified secure token by adding identification information to the encrypted secure token and by performing a second encryption of the encrypted secure token with the identification information, receiving the modified secure token from the secure element, and providing the modified secure token to a receiving device. Other embodiments are disclosed.

Abstract: A system that incorporates the subject disclosure may perform, for example, operations including receiving an encrypted secure token from a secure token application function that is remote from the communication device, storing the encrypted secure token in a secure element memory of the secure element, accessing user input requesting the encrypted secure token where the secure device processor is separate from the secure element and is in communication with the secure element, generating a modified secure token by adding identification information to the encrypted secure token and by performing a second encryption of the encrypted secure token with the identification information, receiving the modified secure token from the secure element, and providing the modified secure token to a receiving device. Other embodiments are disclosed.

Abstract: A system that incorporates the subject disclosure may perform, for example, operations including receiving an encrypted secure token from a secure token application function that is remote from the communication device, storing the encrypted secure token in a secure element memory of the secure element, accessing user input requesting the encrypted secure token where the secure device processor is separate from the secure element and is in communication with the secure element, generating a modified secure token by adding identification information to the encrypted secure token and by performing a second encryption of the encrypted secure token with the identification information, receiving the modified secure token from the secure element, and providing the modified secure token to a receiving device. Other embodiments are disclosed.

Abstract: A system that incorporates the subject disclosure may perform, for example, operations including receiving an encrypted secure token from a secure token application function that is remote from the communication device, storing the encrypted secure token in a secure element memory of the secure element, accessing user input requesting the encrypted secure token where the secure device processor is separate from the secure element and is in communication with the secure element, generating a modified secure token by adding identification information to the encrypted secure token and by performing a second encryption of the encrypted secure token with the identification information, receiving the modified secure token from the secure element, and providing the modified secure token to a receiving device. Other embodiments are disclosed.