Abstract: Systems and methods are configured to manage data sets associated with a financial transaction instrument. For example, a method is provided for facilitating the management of data sets on a financial transaction instrument that is issued by an issuer. The method includes the steps of: adding, by a first owner, a first data set to the financial transaction instrument, wherein the first data set is owned by a first owner; adding, by a second owner, a second data set to the financial transaction instrument, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction instrument. The first and second data sets may each be stored as a Block of Binary. Furthermore, the first data set may be updated and/or deleted from the financial transaction instrument.

Abstract: A system and method for securing a financial transaction using a proxy code, which is assigned a transaction account number. An account issuer permanently assigns the proxy code to a transaction account correlated to the transaction device. The proxy code is uploaded onto the transaction device for later use in completing a transaction request. During transaction completion, the proxy code is provided to a merchant system in lieu of any sensitive account information. Since the proxy code is permanently assigned, the number need not be changed or updated on the merchant system once uploaded into a payment device or merchant database. The account issuer may manipulate the sensitive account information without need to alter the information stored on the merchant database. Since the proxy code contains no sensitive information, the sensitive information related to the transaction account is secured from theft.

Abstract: A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use of the intelligent instrument by issuing a challenge to an intelligent token of the intelligent instrument. The intelligent token generates a challenge response and transmits the challenge response to the authorization server, which assembles credentials including a key for the electronic transaction upon validating the response. The authorization server sends the assembled credentials to the intelligent instrument and the intelligent instrument transmits the assembled credentials to the authorization server during a subsequent transaction. The authorization server validates the assembled credentials and provides authorization for the transaction in response to the validating the assembled credentials.

Abstract: Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other.

Abstract: Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a financial transaction instrument. The identification number stored on the financial transaction instrument is associated with a transit system fee registered for each use of the transit system. A plurality of transit system fees associated with the same identification number from use of the financial transaction instrument is aggregated, and payment for the aggregated transit system fees is requested from a transaction account associated with the financial transaction instrument.

Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.

Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.

Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.

Abstract: The present invention discloses system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.

Abstract: The present invention relates to a process for producing an irregularly shaped Radio Frequency operable transaction device using conventional International Standards Organization dimensions for conventional transaction cards. The invention provides for normal manufacture of a plurality of transaction cards joined together in a single sheet. The outline of a RFID transaction device is impressed in a center portion of one of the transaction cards. A RFID transaction device may then be removed, or punched out of the transaction card in accordance with the transaction device outline.

Abstract: A random number generating algorithm is seeded with an unpredictable number. The seed value is computed by subjecting variable data to a Secure Hashing Algorithm, and truncating the right most, or left most, 16 bytes from the message digest generated. The algorithm generates the unpredictable number by using the seed value as a counter value in the random number generator, and performing a data encryption standard operation. In one exemplary embodiment, the unpredictable number is modified to a predetermined maximum unpredictable number value as determined by the sender and receiver of the unpredictable number.

Abstract: Methods, systems and computer program products are provided for enabling access to mass transit systems using a financial transaction instrument including reading an identifier including financial payment information from the financial transaction instrument and determining whether the identifier is stored in a database. Access to a holder of the financial transaction instrument is provided based on the determining.

Abstract: A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate a transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system. In an exemplary embodiment, a dynamic synchronization system (DSS) may comprise a personalization system and an account maintenance system configured to communicate with a fob object database update system (FODUS). Personalization of multi-function fobs may be accomplished using a security server configured to generate and/or retrieve cryptographic key information from multiple enterprise key systems during the final phase of the fob issuance process.

Abstract: A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate a transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system. In an exemplary embodiment, a dynamic synchronization system (DSS) may comprise a personalization system and an account maintenance system configured to communicate with a fob object database update system (FODUS). Personalization of multi-function fobs may be accomplished using a security server configured to generate and/or retrieve cryptographic key information from multiple enterprise key systems during the final phase of the fob issuance process.

Abstract: Methods, systems and computer program products are provided for enabling access to mass transit systems using a financial transaction instrument including reading an identifier including financial payment information from the financial transaction instrument and determining whether the identifier is stored in a database. Access to a holder of the financial transaction instrument is provided based on the determining.

Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric sample and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on the databases.

Abstract: Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a financial transaction instrument. The identification number stored on the financial transaction instrument is associated with a transit system fee registered for each use of the transit system. A plurality of transit system fees associated with the same identification number from use of the financial transaction instrument is aggregated, and payment for the aggregated transit system fees is requested from a transaction account associated with the financial transaction instrument.

Abstract: A system and method for securing Radio Frequency Identification (RFID) transactions is provided. An exemplary method includes using a random number in an authentication tag and authorizing an RF transaction in response to verifying the authentication tag. The method may also involve variously validating an RFID device authentication tag and an RFID reader authentication tag. Additionally, a system and method is disclosed for verifying an RFID transaction device and RFID reader operable with an RF transaction system. The method involves presenting an RFID device to an RFID reader, receiving a random number, creating an RFID transaction device authentication tag using the random number and a counter value, providing the RFID transaction device authentication tag to an RFID reader, creating an RFID reader authentication tag using the counter, random number, and RFID authentication tag, and providing the RFID reader authentication tag and RFID transaction device authentication tag for authentication.

Abstract: Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other.

Abstract: A random number generating algorithm is seeded with an unpredictable number. The seed value is computed by subjecting variable data to a Secure Hashing Algorithm, and truncating the right most, or left most, 16 bytes from the message digest generated. The algorithm generates the unpredictable number by using the seed value as a counter value in the random number generator, and performing a data encryption standard operation. In one exemplary embodiment, the unpredictable number is modified to a predetermined maximum unpredictable number value as determined by the sender and receiver of the unpredictable number.