Abstract: Apparatus and a method for enhancing the security of a wireless application protocol identity module (WIM) is disclosed in which a manufacturer certificate is stored on the module which permits a third party such as a Certification Authority to have confidence in the security precautions taken during the creation and storage of a public-private key pair on the module.

Abstract: The invention relates to a method for checking the integrity of a message transmitted between a sender in a transmitting end and a recipient in a receiving end, in which method an authentication value is calculated for the first message and a random string is generated. According to a method in the transmitting end an authentication value is generated from a message to be sent and the random string. A check code is formed from the authentication value and the random sting. The first message is transferred from a sender to a recipient through a first channel, and the check code is transferred through a second secure channel. In the receiving end a message is received through a first channel and the check code is received through a second secure channel. In the receiving end an authentication check formed at least based of the received message. The integrity of the received message is checked by comparing the predetermined check values in the receiving end.

Abstract: Method, system and computer program product for secure ticketing in a communications device. In particular, the method, system and computer program product utilizes cryptography and an external, read-write security element to securely transmit and store critical data utilized by users of a communications device. Using the present invention, third-parties can prevent the fraudulent use of third-party services without detection.

Abstract: A method and system for conducting payments with a wireless terminal by a user in exchange for goods and services rendered by a merchant. In an embodiment of the invention, a Wireless Application Protocol (WAP) server for use with a WAP compliant terminal enables the user to browse merchants from a portal page over an HTTP connection. The user selects items for purchase in which payment to the merchant is initiated using the Secure Electronic Transaction (SET) protocol to a Server Wallet server. In one aspect of the invention, the user provides proof of identity and confirmation for the payment with a digital signature calculated by a Wireless Identity Module (WIM) operating with the wireless terminal. The Server Wallet, which retains sensitive financial information such as a payment card accounts e.g. credit cards numbers, carries out the payment transaction to the merchant on behalf of the user. The result of the transaction is returned to the user via standard secure WAP protocols.

Abstract: The present invention is a system and method for collecting transaction data. A system for collecting transaction data in accordance with the invention includes at least one transaction provider (12) which provides at least an electronic receipt of financial transactions offered by each transaction provider; at least one user device (14), in communication with each transaction provider, which provides to each transaction provider a selection by a user of the user device of an offered financial transaction and in response to receipt of an acceptance of the financial transaction recorded in the received electronic receipt; and at least one user information system (18), coupled to at least one of the at least one transaction provider or the at least one user device, which stores at least electronic receipts which are received from the at least one user device or the at least one transaction provider which are verified by the user information system to have been accepted by the user of the user device.

Abstract: The invention relates to a method for loading a program module (L1, L2, L3) in a terminal, in which one or several programs (A, B) are running, and in which method subroutines (P1, P2, P3) are stored in said program modules (L1, L2, L3). The program modules (L1, L2, L3) are provided with first tags (T1, T2, T3), wherein to start binding, the program makes a call (7) to a subroutine (P1, P2, P3). The call (7) is supplemented with the first tags (T1, T2, T3) to select the program module (L1, L2, L3) for binding, in which the called subroutine (P1, P2, P3) is stored. The tags (T1, T2, T3) are supplemented with second tags (LT1, LT2, LT3). The call (7) is also supplemented with said second call data (PKx, PKy, PKz).