Abstract: A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase.

Abstract: A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase.

Abstract: A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase.

Abstract: Contactless payment transactions are initiated through single input activation of a mobile device's secure element and contactless communication system. Activation of the secure element and the contactless communication system is coupled to the activation status of the mobile device's screen. Activation of the secure element may be further coupled to the activation status of an electronic wallet application. Where activation of the electronic wallet application is required, one-click activation of the electronic wallet application and secure element is provided.

Abstract: A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase.

Abstract: A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase.

Abstract: Contactless payment transactions are initiated through single input activation of a mobile device's secure element and contactless communication system. Activation of the secure element and the contactless communication system is coupled to the activation status of the mobile device's screen. Activation of the secure element may be further coupled to the activation status of an electronic wallet application. Where activation of the electronic wallet application is required, one-click activation of the electronic wallet application and secure element is provided.

Abstract: Contactless payment transactions are initiated through single input activation of a mobile device's secure element and contactless communication system. Activation of the secure element and the contactless communication system is coupled to the activation status of the mobile device's screen. Activation of the secure element may be further coupled to the activation status of an electronic wallet application. Where activation of the electronic wallet application is required, one-click activation of the electronic wallet application and secure element is provided.

Abstract: A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase.

Abstract: Systems and methods are described herein for supporting end users of a mobile device, such as a mobile phone, to reset a secure element associated with the communication device. The reset process may include clearing the secure element, associated memories, and storage devices of any user specific or personalized information associated with the user. The reset process may also include removing or resetting keys or other identifiers within the secure element that associate the mobile device with a particular secure service provider. According to various embodiments, a computer-implemented method for resetting a secure element within a network device may include receiving an encrypted reset request message at the secure element, decrypting the encrypted reset request message using a communication key, verifying authorization for the reset request message, and atomically clearing parameters associated with the secure element.

Abstract: Point of sale processing of multiple options is possible with a single tap of a contactless device. The user taps the contactless device in the device reader's radio frequency field. The device reader and the contactless device establish a secure communication channel. Once a secure communication channel is established, the device reader communicates the purchase to the contactless device. The contactless device presents value-added services available to the user. The contactless device communicates the user's selected value-added service(s) to the device reader, and the reader communicates the purchase price of the transaction. The contactless device communicates payment options to the user and then communicates the user-selected payment options to the device reader. The device reader communicates a digital receipt to the contactless device, and the secure communication is terminated.

Abstract: Systems and methods are described herein for supporting end users of a mobile device, such as a mobile phone, to reset a secure element associated with the communication device. The reset process may include clearing the secure element, associated memories, and storage devices of any user specific or personalized information associated with the user. The reset process may also include removing or resetting keys or other identifiers within the secure element that associate the mobile device with a particular secure service provider. According to various embodiments, a computer-implemented method for resetting a secure element within a network device may include receiving an encrypted reset request message at the secure element, decrypting the encrypted reset request message using a communication key, verifying authorization for the reset request message, and atomically clearing parameters associated with the secure element.

Abstract: Certain legacy contactless card readers recognize only applets having a short-form AID. However, the long-form AID applets can allow more functionality and specifically can allow use of multiple software applications within a mobile device. A legacy card reader requests invocation of a software applet based on the short-form AID known to the legacy card reader. A router applet operating on the mobile device receives the request for the short-form AID applet, determines the long-form AID applet corresponding to the short-form AID applet, and routes the request to the long-form AID applet, thereby invoking the long-form AID applet. In this manner, legacy readers that have stored therein only the short-form AID applet can invoke the functionality of the long-form AID applet on the smart card. Additionally, newer readers implementing the long-form AID applet can request directly the long-form AID applet.

Abstract: Systems, methods, computer programs, and devices are disclosed herein for partitioning the namespace of a secure element in contactless smart card devices and for writing application data in the secure element using requests from a software application outside the secure element. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. A control software application resident in the same or a different secure element provides access types and access bits, for each access memory block of the secure element namespace, thereby portioning the namespace into different access types. Further, a software application outside the secure element manages the control software application by passing commands using a secure channel to the secure element, thereby enabling an end-user of the contactless smart card device or a remote computer to control the partitioning and use of software applications within the secure element.

Abstract: Systems, methods, computer programs, and devices are disclosed herein for deploying a local trusted service manager within a secure element of a contactless smart card device. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. An asymmetric cryptography algorithm is used to generate public-private key pairs. The private keys are stored in the secure element and are accessible by a trusted service manager (TSM) software application or a control software application in the secure element. A non-TSM computer with access to the public key encrypts and then transmits encrypted application data or software applications to the secure element, where the TSM software application decrypts and installs the software application to the secure element for transaction purposes.

Abstract: Communication between a software application midlet of a contactless payment device and a control applet resident within a secure element of the contactless payment device includes selecting, on the software application midlet, a card applet to configure from a registered list of card applets, the list comprising application identifiers (AIDs) of card applets resident in the secure element; transmitting, through a secure channel, to the control applet on the secure element, the selected card applet's AID and an instruction for a selected function to be performed on the selected card applet; invoking, by the control applet, process method function calls of a card runtime environment, wherein the process method function calls are defined by the card issuer or the card runtime environment for performing the selected function on the selected card applet; and rendering the process method function calls, thereby performing the selected function on the selected card applet.

Abstract: Systems, methods, computer programs, and devices are disclosed herein for partitioning the namespace of a secure element in contactless smart card devices and for writing application data in the secure element using requests from a software application outside the secure element. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. A control software application resident in the same or a different secure element provides access types and access bits, for each access memory block of the secure element namespace, thereby portioning the namespace into different access types. Further, a software application outside the secure element manages the control software application by passing commands using a secure channel to the secure element, thereby enabling an end-user of the contactless smart card device or a remote computer to control the partitioning and use of software applications within the secure element.

Abstract: Systems and methods are described herein for supporting end users of a mobile device, such as a mobile phone, to reset a secure element associated with the communication device. The reset process may include clearing the secure element, associated memories, and storage devices of any user specific or personalized information associated with the user. The reset process may also include removing or resetting keys or other identifiers within the secure element that associate the mobile device with a particular secure service provider. According to various embodiments, a computer-implemented method for resetting a secure element within a network device may include receiving an encrypted reset request message at the secure element, decrypting the encrypted reset request message using a communication key, verifying authorization for the reset request message, and atomically clearing parameters associated with the secure element.

Abstract: A fraud protection application can allow a user to safely purchase goods without a physical account verifier such as a credit card. These types of purchases are common when purchasing items online and also when making NFC purchases. The purchaser can install a Fraud Prevention Application on a device that can recognize that the purchaser is using their device to make a purchase making a transaction. The application can initiate an independent connection with the financial institution's server and submit to the server verification data to validate the purchase. In response, the server can compare the data with identification data previously submitted by that purchaser's device and also with transaction data submitted by the merchant. If the verification data is validated then the server can approve the purchase and the transaction may proceed. If the verification data is not validated then the FPA can cause refuse the transaction.

Abstract: Systems, methods, computer programs, and devices are disclosed herein for deploying a local trusted service manager within a secure element of a contactless smart card device. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. An asymmetric cryptography algorithm is used to generate public-private key pairs. The private keys are stored in the secure element and are accessible by a trusted service manager (TSM) software application or a control software application in the secure element. A non-TSM computer with access to the public key encrypts and then transmits encrypted application data or software applications to the secure element, where the TSM software application decrypts and installs the software application to the secure element for transaction purposes.