Abstract: Embodiments are directed to implementing targeted advertising in financial transactions. In one scenario, a computer system receives an indication that a mobile wallet user has initiated a financial transaction. The indication includes identification information that identifies the mobile wallet user. The computer system next identifies the mobile wallet user using the received identification information and generates a validation token for validating the financial transaction initiated by the mobile wallet user. The validation token includes at least one targeted advertisement for the mobile wallet user. The computer system then sends the validation token that includes the targeted advertisement to the mobile wallet user.

Abstract: An apparatus and method for configuring, altering, controlling, securing, and extending the processing capability and functionality of PCs using a nonvolatile memory device using software and data carried within the device.

Abstract: An apparatus and method for configuring, altering, controlling, securing, and extending the processing capability and functionality of PCs and POS devices using a non-volatile memory device using software and data carried within the apparatus.

Abstract: An apparatus and method for backing up computer files comprising a portable housing, nonvolatile memory within the housing, an interface on the housing for communication between the nonvolatile memory and the computing device, and a software application in the nonvolatile memory. Using the software application, files are designated on the computing device for backing up. Copies of the designated files are made by the application and stored in the nonvolatile memory. The software application may also be used to designate backed up files in the nonvolatile memory for restoration on the computing device. Copies of the designated files are made by the application and restored on the computing device.