Abstract: A method, device, and system for conducting trusted payment transactions including establishing a trust relationship between a first mobile computing device and a second mobile computing device. The first mobile computing device may initiate a payment transaction with a point-of-sale device, communicate with the second mobile communication device to retrieve payment information from the second mobile communication device, and complete the payment transaction with the point-of-sale device using the payment information. The second mobile computing device is configured to verify the user and identity of the first mobile computing device prior to providing the payment information. Communications between the mobile computing devices may be encrypted using pre-determined encryption techniques.

Abstract: Embodiments of the invention provision multiple payment tokens on a communication device. The communication device may be provisioned with multiple limited use keys (LUK), each LUK being associated with a specific type of transaction. When the communication device is used for a transaction, the communication device automatically determines a type of the transaction and selects an appropriate LUK based on the determined transaction type. The selected LUK may be used to create a cryptogram, which can be used to verify the transaction.

Abstract: Techniques described herein include a platform and process for provisioning user information onto a machine-to-machine device in order to enable the machine-to-machine device to conduct transactions utilizing the user information. In some embodiments, a user device is used to relay information between a machine-to-machine device and a provisioning service provider computer. In some embodiments, a machine-to-machine device is connected to the provisioning service provider computer via a network connection. Upon receiving a request to provision the machine-to-machine device, the service provider computer may identify the device from a device identifier. The service provider computer may generate an access credential or token for the machine-to-machine device. The access credential, token, and/or one or more policies may be provisioned onto the machine-to-machine device.

Abstract: Techniques described herein include a platform and process for provisioning user information onto a machine-to-machine device in order to enable the machine-to-machine device to conduct transactions utilizing the user information. In some embodiments, a user device is used to relay information between a machine-to-machine device and a provisioning service provider computer. In some embodiments, a machine-to-machine device is connected to the provisioning service provider computer via a network connection. Upon receiving a request to provision the machine-to-machine device, the service provider computer may identify the device from a device identifier. The service provider computer may generate an access credential or token for the machine-to-machine device. The access credential, token, and/or one or more policies may be provisioned onto the machine-to-machine device.

Abstract: Embodiments of the invention provision multiple payment tokens on a communication device. The communication device may be provisioned with multiple limited use keys (LUK), each LUK being associated with a specific type of transaction. When the communication device is used for a transaction, the communication device automatically determines a type of the transaction and selects an appropriate LUK based on the determined transaction type. The selected LUK may be used to create a cryptogram, which can be used to verify the transaction.

Abstract: Embodiments of the invention provision multiple payment tokens on a communication device. The communication device may be provisioned with multiple limited use keys (LUK), each LUK being associated with a specific type of transaction. When the communication device is used for a transaction, the communication device automatically determines a type of the transaction and selects an appropriate LUK based on the determined transaction type. The selected LUK may be used to create a cryptogram, which can be used to verify the transaction.

Abstract: Embodiments automatically select one of the multiple pre-generated payment cards provisioned on a mobile device. The multiple pre-generated payment cards (real or virtual) may each have a different credit limit. The mobile device may automatically select one of the multiple payment cards based on a transaction value of a transaction that is being conducted. An available credit limit of the selected payment card may be equal to or slightly greater than the transaction value. In some embodiments, the available credit limit of the selected payment card may be closer to the transaction value than the available credit limits of the remaining payment cards. In some embodiments, the different payment cards may be provisioned in a chip-and-pin based smart credit card or mobile wallet.

Abstract: The presenting invention relates to techniques for implementing a secure operating environment for the execution of applications on a computing devices (e.g., a mobile phone). In The secure operating environment may provide a trusted environment with dedicated computing resources to manage security and integrity of processing and data for the applications. The applications may be provided with a variety of security services and/or functions to meet different levels of security demanded by an application. The secure operating environment may include a security engine that enumerates and/or determines the security capabilities of the secure operating environment and the computing device, e.g., the hardware, the software, and/or the firmware of the computing device. The security engine may provide security services desired by applications by choosing from the security capabilities that are supported by the secure operating environment and the computing device.

Abstract: Techniques for securely binding a software application to a communication device may include sending a set of device identifiers associated with the computing device to a server, receiving a server-generated dynamic device identifier that is generated based on the set of device identifiers; and storing the server-generated dynamic device identifier during initialization of the application. During runtime execution of the application, the application may receive a request to execute an application specific task.

Abstract: A method for requesting a credential associated with token in a multiple token layer environment is disclosed. A tokenization certificate serves to validate the identity of a credential requestor and provide information about the requestor's authorization for de-tokenizing a token. Also, a public key in the tokenization certificate is used to encrypt the credential for secure transmission to the requestor.

Abstract: Embodiments of the invention relate to systems and methods for providing an anonymization engine. One embodiment of the present invention relates to a method comprising receiving a message directed at a recipient computer located outside a secure area by a privacy computer located within a secure area. The privacy computer may identify private information using a plurality of privacy rules and anonymize the message according to the plurality of privacy rules. Another embodiment may be directed to a method comprising receiving a request for sensitive data from a requesting computer. An anonymization computer may determine a sensitive data record associated with the request and may anonymize the sensitive data record by performing at least two of: removing unnecessary sensitive data entries from the sensitive data record, masking the sensitive data entries to maintain format, separating the sensitive data entries into associated data groupings, and de-contexting the data.

Abstract: Systems, devices, apparatuses, and methods of the present invention distribute authentication across multiple users. A data sensitivity model can define the sensitivity of different types of data. When an application requests access to a particular data item, the sensitivity of that data item can be determined. If the data item has a low sensitivity, access to the data item can be granted. If the data item has a high sensitivity, the system can request authentication before granting access to the data item.

Abstract: Embodiments of the present invention are directed to methods, systems, apparatuses, and computer-readable mediums for generating and providing a transaction token that may provide contextual information associated with the token. Accordingly, the transaction token may provide any entities within a transaction processing system immediate information about the context in which the token was generated, how the token may be used, and any other information that may be pertinent to processing the token.

Abstract: A mobile phone is disclosed. The mobile phone may receive a first request to generate an initial scannable image, and a second request to generate modified scannable image. The modified scannable image can include a static portion that corresponds to a static portion of the initial scannable image. The modified scannable image may also include another portion that has a different appearance than a corresponding portion of the initial scannable image.

Abstract: A mobile phone is disclosed. The mobile phone may receive a first request to generate an initial scannable image, and a second request to generate modified scannable image. The modified scannable image can include a static portion that corresponds to a static portion of the initial scannable image. The modified scannable image may also include another portion that has a different appearance than a corresponding portion of the initial scannable image.

Abstract: Embodiments automatically select one of the multiple pre-generated payment cards provisioned on a mobile device. The multiple pre-generated payment cards (real or virtual) may each have a different credit limit. The mobile device may automatically select one of the multiple payment cards based on a transaction value of a transaction that is being conducted. An available credit limit of the selected payment card may be equal to or slightly greater than the transaction value. In some embodiments, the available credit limit of the selected payment card may be closer to the transaction value than the available credit limits of the remaining payment cards. In some embodiments, the different payment cards may be provisioned in a chip-and-pin based smart credit card or mobile wallet.

Abstract: Embodiments automatically select one of the multiple pre-generated payment cards provisioned on a mobile device. The multiple pre-generated payment cards (real or virtual) may each have a different credit limit. The mobile device may automatically select one of the multiple payment cards based on a transaction value of a transaction that is being conducted. An available credit limit of the selected payment card may be equal to or slightly greater than the transaction value. In some embodiments, the available credit limit of the selected payment card may be closer to the transaction value than the available credit limits of the remaining payment cards. In some embodiments, the different payment cards may be provisioned in a chip-and-pin based smart credit card or mobile wallet.

Abstract: The presenting invention relates to techniques for implementing a secure operating environment for the execution of applications on a computing devices (e.g., a mobile phone). In The secure operating environment may provide a trusted environment with dedicated computing resources to manage security and integrity of processing and data for the applications. The applications may be provided with a variety of security services and/or functions to meet different levels of security demanded by an application. The secure operating environment may include a security engine that enumerates and/or determines the security capabilities of the secure operating environment and the computing device, e.g., the hardware, the software, and/or the firmware of the computing device. The security engine may provide security services desired by applications by choosing from the security capabilities that are supported by the secure operating environment and the computing device.

Abstract: Embodiments of techniques and systems for sharing user information between proximate devices are described. In embodiments, a first device may identify a physically-proximate device that may receive user information. Upon receiving an indication that a user of the first device may desire to share user information with a user of the second device, a determination may be made as to whether the two users have matching interests. In embodiments, the interest match determination may be made by a separate interest match evaluator. Upon determination of an interest match, the first device may then send a request to share user information to the second device. If a user of the second device approves the request, user information for the user of the first device may be shared with the user of the second device. Other embodiments may be described and claimed.

Abstract: Embodiments of the invention relate to systems and methods for providing an anonymization engine. One embodiment of the present invention relates to a method comprising receiving a message directed at a recipient computer located outside a secure area by a privacy computer located within a secure area. The privacy computer may identify private information using a plurality of privacy rules and anonymize the message according to the plurality of privacy rules. Another embodiment may be directed to a method comprising receiving a request for sensitive data from a requesting computer. An anonymization computer may determine a sensitive data record associated with the request and may anonymize the sensitive data record by performing at least two of: removing unnecessary sensitive data entries from the sensitive data record, masking the sensitive data entries to maintain format, separating the sensitive data entries into associated data groupings, and de-contexting the data.