Abstract: A system and method are disclosed for conducting electronic commerce such as a virtual purchase transaction with an on-line merchant. A user is provided with an intelligent token, such as a smart card containing a digital certificate. The intelligent token suitably authenticates with a wallet server on a network that conducts all or portions of the transaction on behalf of the user with out requiring changes to the merchant's server. The wallet server interacts with a security server of a selected financial service to provide authentication of the transaction. Upon authentication, the digital wallet pre-fills forms which are transmitted to the merchant who contacts the security server for validation of the forms and upon validation, completes the transaction with the user.

Abstract: A system and method for facilitating the distribution and settlement of electronic loyalty programs is described. The system facilitates the distribution of electronic punch card loyalty programs from an offerer, such as a product manufacturer, to an end-user and/or retailer. The user downloads the electronic punch card to a loyalty applet maintained on a microchip-enabled device such as a smart card. This smart card may then be used at various retailers to take advantage of the offerer's loyalty program. Alternatively, the host system may maintain the loyalty punch card without downloading to the user and provide access to a retailer upon the occurrence of a transaction with the user. The retailer is configured to recognize the presence of a loyalty punch card, process loyalty program information and interact with a host loyalty server system to update loyalty program data. A host system computerized clearing house captures loyalty program data and processes this data for settlement (i.e.

Abstract: A system generally for personalizing and synchronizing smartcard data in the context of a distributed transaction system is disclosed. A dynamic smartcard synchronization system comprises access points configured to initiate a transaction in conjunction with a smartcard, an enterprise data collection unit, and a card object database update system. An exemplary dynamic synchronization system (DSS) preferably comprises various smartcard access points, a secure support client server, a card object database update system (CODUS), one or more enterprise data synchronization interfaces (EDSI), an update logic system, one or more enterprise data collection units (EDCUs), and one or more smartcard access points configured to interoperably accept and interface with smartcards. In an exemplary embodiment, DSS comprises a personalization system and an account maintenance system configured to communicate with CODUS.

Abstract: Methods and apparatus for a smartcard system are provided which securely and conveniently integrate important travel-related applications. In one embodiment, a smartcard system includes a cardholder identification application and various additional applications useful in particular travel contexts; for example, airline, hotel, rental car, and payment-related applications. Furthermore, memory space and security features within specific applications provide partnering organizations (e.g., airlines, hotel chains, and rental car agencies) the ability to construct custom and secure file structures.