Abstract: A method and system is provided for controlling and managing the storage and retrieval of personal information in a computer network environment and that is configured for supporting any number of applications supplied by any number of vendors. An exemplary method and system can provide an open-ended capability for an individual to define, securely store, retrieve and/or modify information pertaining to the activities of the individual, such as those relating to computer access, electronic commerce or Internet based information searching, or the communication with other parties via electronic mechanisms. In addition, an exemplary method and system can provide significant improvement to prior art server-based and local client-based methodologies of managing stored information through the utilization of smart card-like devices having server-like processing capability, as well as physical security and mobility aspects provided by the size and portability of the user smart card device.

Abstract: A high speed, highly secure transaction management system and method capable of managing large volumes of complex transactions, that require a high level of security, from a plurality of transaction sources is provided. Such transaction sources may include, but are not limited to, the electronic toll and fare collection industry. The transaction management system may include tamper resistant hardware containing, for example, memory and data storage components, and a processor device for controlling, processing and managing transactions and related data and information, and may be configured with one or more processing components. In addition, the transaction management system can be suitably configured for facilitating offline payment transactions, for example a payment transaction that can be conducted locally, rather than through a post processing of a prepaid account, or through use of an intelligent, agency specific transponder device.