Abstract: A payment-enabled mobile device assembly includes a carrying case configured for attachment to a portable electronic device and that includes an aperture for accepting an integrated circuit (IC) identification card. The IC identification card has a card body and includes electronic components, and in some embodiments a shield layer is provided to shield the electronic components of the IC identification card from electronic components of the portable electronic device. In addition, when the IC identification card is inserted into the aperture at least a portion of the front surface is visible through the aperture.

Abstract: A holder for a contactless payment card includes a substrate that has a first side and a second side that is opposite to the first side. There is an adhesive material on the first side of the substrate. The holder also includes at least one sheet that is joined to the substrate to form a pouch. The second side of the substrate faces the pouch. The pouch is shaped and sized to securely hold a contactless integrated circuit identification card that has no more than half of a planar extent defined for the standard ID-1 identification card.

Abstract: There is disclosed a module for an antenna system, the module comprising a dielectric support and a branched electrically conductive pathway formed on or in the support. The pathway comprises at least three arms each having a proximal and a distal end, the proximal ends being joined together or each connected to at least one other of the at least three arms, and the distal ends being separate from each other and configured as terminals. The modules may be configured as chip antennas. A plurality of antenna modules can connected together in order to create antenna systems with particular desired characteristics.

Abstract: A wearable identification token includes a housing, a transmitter for transmitting user identification data to a proximity reader, a switch for switching the identification token between an enabled state and a disabled state, and a sensor for detecting removal of the housing from the user's body. The switch is responsive to the sensor to switch the identification token from the enabled state to the disabled state in response to the housing being removed from the user's body, and is responsive to a signal received from a trusted electronic device to switch the identification token from the disabled state to the enabled state.

Abstract: An identification token assembly includes a card-shaped plastic body having a generally rectangular card-shaped plastic body; a radio frequency identification (RFID) integrated circuit (IC) embedded in the subcard body; and an antenna embedded in the subcard body and coupled to the RFID IC to transmit a signal generated by the RFID IC.

Abstract: An apparatus includes a first substantially card-shaped body. The first card-shaped body has a plurality of voids formed therein to define sides of a second substantially card-shaped body. The second body is smaller than the first body and is adapted to be detached from the first body. The second body is joined to the first body by a plurality of breakable tabs. The voids have a total length, inclusive of the tabs, that does not exceed about 64 mm.

Abstract: An identification token such as a proximity payment device may be integrated with a wristwatch. For security purposes, the identification token may be disabled when removed from the user's wrist. The identification token may be re-enabled by interaction with a docking station or personal computer at the user's residence.

Abstract: A mobile device includes a housing and an antenna mounted in or on the housing. The antenna is for transmitting and receiving transaction signals to and from a point of sale (POS) terminal. The device also includes at least one user interface element mounted on the housing and a transceiver mounted in the housing and coupled to the antenna. Still further, the device includes a secure element mounted in the housing. The secure element is coupled to the transceiver and stores a payment application program. The payment application program is for handling exchanging of the transaction signals with the POS terminal. A tick counter is operated within the secure element. The tick counter is for enforcing at least one time-out period with respect to transactions handled by the payment application program.

Abstract: In some embodiments, a method comprises: sensing at least one of movement and position of an identification token; determining if a criteria is satisfied; and enabling operation of the identification token if the criteria is satisfied; wherein determining if the criteria is satisfied comprises determining if the at least one of movement and position satisfies a reference criteria; and wherein the sensor comprises a sensor to provide a signal indicative of at least one of movement and position of the identification token prior to presentation to a proximity coupling device.

Abstract: A holder for a contactless payment card includes a substrate that has a first side and a second side that is opposite to the first side. There is an adhesive material on the first side of the substrate. The holder also includes at least one sheet that is joined to the substrate to form a pouch. The second side of the substrate faces the pouch. The pouch is shaped and sized to securely hold a contactless integrated circuit identification card that has no more than half of a planar extent defined for the standard ID-1 identification card.

Abstract: A payment card includes an ID-1-sized plastic body, which has a left edge, a right edge, a top edge and a bottom edge. The payment card also includes an integrated circuit (IC) embedded in the plastic body. The IC stores a payment card account number. Also included in the payment card is an antenna that is coupled to the IC for the purpose of selectively transmitting the payment card account number from the payment card. The antenna is embedded or printed on the plastic body and configured such that no portion of the antenna is closer than about one inch from the right edge of the plastic body. In addition, the payment card includes a magnetic stripe formed on the rear surface of the plastic body and storing the payment card account number.

Abstract: In accordance with some embodiments, a method includes providing an integrated circuit (IC) card having a first size and carried as part of a surrounding card having a second size larger than the first size, the IC card including an IC, the IC card having a perimeter defining the IC card within the surrounding card; and printing a payment card account number within the perimeter. In accordance with some embodiments, an identification token includes a carrier having a body; a card including an RFID integrated circuit and information printed within a perimeter of the card; a bridge joining the card to the carrier; an antenna; and an electrically conductive connection running along the bridge, the electrically conductive connection coupling the RFID IC to the antenna.

Abstract: A mobile telephone displays an image of a payment card in connection with a contactless payment function implemented in the mobile telephone. The mobile telephone constructs the payment card image from separate image elements. Data which represents at least some of the image elements is stored in an image data format which includes at least some dedicated storage fields for the various image elements.

Abstract: A method includes setting a risk management limit to be applied to authorized purchase transactions for a payment card account. The method further includes detecting that purchase transactions for the payment card account have approached the risk management limit and sending a message to the account holder to notify the account holder that the risk management limit is imminent. In addition, the method includes detecting that the account holder has requested re-setting of the risk management limit and then re-setting the risk management limit.

Abstract: In accordance with some embodiments, a method includes providing an integrated circuit (IC) card having a first size and carried as part of a surrounding card having a second size larger than the first size, the IC card including an IC, the IC card having a perimeter defining the IC card within the surrounding card; and printing a payment card account number within the perimeter. In accordance with some embodiments, an identification token includes a carrier having a body; a card including an RFID integrated circuit and information printed within a perimeter of the card; a bridge joining the card to the carrier; an antenna; and an electrically conductive connection running along the bridge, the electrically conductive connection coupling the RFID IC to the antenna.

Abstract: A method includes providing a mobile device. The mobile device is programmed with a payment application program, an environment program that supports application programs, and a user interface application program. When the user interface application program is initiated, the initiation of the program includes sending a message from the user interface application program to the payment application program to clear a PIN (personal identification number) verification status flag.

Abstract: In some embodiments, a method comprises: sensing at least one of movement and position of an identification token; determining if a criteria is satisfied; and enabling operation of the identification token if the criteria is satisfied; wherein determining if the criteria is satisfied comprises determining if the at least one of movement and position satisfies a reference criteria; and wherein the sensor comprises a sensor to provide a signal indicative of at least one of movement and position of the identification token prior to presentation to a proximity coupling device.

Abstract: A method includes receiving point-of-sale (POS) operator identification information via a POS terminal. The POS operator identification information identifies an individual POS operator. The method further includes receiving transaction information indicative of an amount paid for a transaction and a mode of payment for the transaction. In addition, the method includes assigning incentive points to an account that belongs to the individual POS operator, based at least in part on the mode of payment and the POS operator identification information.

Abstract: A payment-enabled mobile device such as a “smart phone” incorporates risk management features that are applicable to its use in contactless payment transactions. Some features may govern when verification of the cardholder's identity is required for consummation of the current transaction. The features may be configurable by the payment card account issuer and/or the user of the mobile device.

Abstract: A payment-enabled mobile device such as a “smart phone” incorporates risk management features that are applicable to its use in contactless payment transactions. Some features may govern when verification of the cardholder's identity is required for consummation of the current transaction. The features may be configurable by the payment card account issuer and/or the user of the mobile device.