Abstract: An apparatus for selecting a virtual card application from a multi-application contactless card, including a receiver configured to receive an authentication command containing a card key from a card reader. The apparatus further includes a verifier configured to verify the card key in the virtual card applications and to select a card application for communication with the card reader by means of a key match. The apparatus further includes a transmitter configured to transmit a response of the selected card applications to the card reader.

Abstract: The card has a magnetic strip with pertinent information encoded by the issuer. The magnetic strip provides monetary transaction capability, facility access, security access, and privilege access so that the card can be encoded as desired by the issuer. The magnetic strip and CPU also include medical information of a user. The card also has a battery pack that is in communication with the internally housed transponder, CPU, and GPS capability. By way of the antenna, the transponder communicates with an existing GPS transponder. A distance limitation is encoded into the card. When the card exceeds the distance limitation, the existing transponder is alarmed. The existing GPS transponder receives location information from the card so that the card user can be recovered.

Abstract: The present disclosure relates generally to wireless detection systems. In one illustrative embodiment, a wireless detection system includes a plurality of surface acoustic wave (SAW) sensors, and an electronic reader for interrogating the plurality of SAW sensors. In some instances, each of the surface acoustic wave based sensors includes an integrated sensor coil. The electronic reader may include a plurality of reader coils and a controller. The controller may be configured to interrogate the plurality of surface acoustic wave based sensors using a time division interrogation. In some cases, each of the plurality of reader coils is inductively coupled to only one of the integrated coils of the SAW sensors at any given time.

Abstract: A system and method is disclosed for verifying a commercial transaction between a card-holder, a merchant, and a credit card company. The card-holder makes a purchase with the merchant using a full credit card number. The merchant submits a transaction approval request for approval with the credit card company. The credit card company executes conventional credit approval of the transaction approval request, as well as verifies the transaction approval request with the card-holder. An approval is sent to the merchant only after the transaction approval request is both conventionally approved by the credit card company and verified by the card-holder. The card-holder, or the credit card company, may initiate verification of the transaction approval request.

Abstract: A system and method is disclosed for verifying a commercial transaction between a card-holder, a merchant, and a credit card company. The card-holder makes a purchase with the merchant using a full credit card number. The merchant submits a transaction approval request for approval with the credit card company. The credit card company executes conventional credit approval of the transaction approval request, as well as verifies the transaction approval request with the card-holder. An approval is sent to the merchant only after the transaction approval request is both conventionally approved by the credit card company and verified by the card-holder. The card-holder, or the credit card company, may initiate verification of the transaction approval request. The transaction approval request can also be automatically verified if one or many pre-verification criteria is/are satisfied by data contained in the transaction approval request.

Abstract: A RFID cabinet comprises a cabinet structure and one or more drawers or shelves. Chambers are formed within the cabinet to house the one or more drawers or shelves. An RFID scanner is configured to scan items tagged with RFID tags in the chambers via one or more antennas. The antennas can include transmit and receive antennas or antennas configured to perform both transmit and receive functions. The drawers can have a access cover, or lid that can be controlled so as to control access to the drawer. The scanner can be configured to perform inventory control for the tagged items.

Abstract: Provided is a method and apparatus for recognizing a radio frequency identification tag reader. In order to obtain protocol addresses of a plurality of radio frequency identification (hereinafter referred to as RFID) tag readers, a request message including a timestamp indicating a generation time is generated and transmitted, and a response message for the request message from one of the plurality of RFID readers is received. When the timestamp included in the response message satisfies a set condition, a hardware address and a protocol address of the RFID reader are extracted from the response message.

Abstract: To improve communication between tags by causing a mobile object having a RFID tag attached to transmit an interrogating wave only when moving in a communication range to reduce power consumption and prevent occurrence of tag confusion. By acquiring two Doppler signals from 2-frequency transmission waves (CW) with different frequencies and respective reflected waves and detecting phase difference from the Doppler signals, a cargo (21A) is detected to be moving in the communication range (A). Only when the movement is detected, a reader-writer (1A) transmits the interrogating wave (RW).

Abstract: While ECUs are connected with a distribution apparatus via a communication line, each of the ECUs sends status notification representing own status to the distribution apparatus. The distribution apparatus creates status information representing status of the ECUs in accordance with status notifications received from the ECUs connected with the distribution apparatus. This status information is sent to other distribution apparatuses together with data for synchronizing a database. The other ECUs perform similar operations to those of the ECUs, while the other distribution apparatuses perform similar operations to those of the distribution apparatus. Therefore, each of the distribution apparatuses can recognize the status of all the ECUs.

Abstract: The present invention relates to a device and a method for communication, and a program that makes it possible to provide a communication environment not limited by a use environment. An electrode controlling unit 261 in a transmitting device 260 checks a state of capacitive coupling of each of an electrode 271 and an electrode 272 in an electrode unit 262 with surroundings, controls connection of each electrode to a transmitting unit 263 according to a result of the check, and makes the electrode 271 and the electrode 272 function as a transmission signal electrode or a transmission reference electrode, the transmission signal electrode and the transmission reference electrode being different from each other. The transmitting unit 263 connects the electrode 271 and the electrode 272 to an amplifying unit under control of the electrode controlling unit 261, and transmits a signal to a communication medium 280 via one of the electrodes. The present invention is applicable to communication systems.

Abstract: A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.

Abstract: An RFID tag is provided. The RFID tag includes an emitting module, a temperature detecting circuit and a tag chip. The temperature detecting circuit produces a time signal according to a surrounding temperature, wherein the time signal changes with the surrounding temperature. The tag chip is electrically connected to the temperature detecting circuit and the emitting module, wherein the time signal is transmitted via the emitting module.

Abstract: Implementation of mobile device communications (MCD) management is provided. A method includes intercepting an input command received on an MCD, the command intercepted in response to detecting a presence of a fixed communications device (FCD), which is embedded in a vehicle within range of the MCD. The method also includes acquiring biometric data from a user of the MCD. The method includes determining an activity status of the vehicle. If the activity status reflects the vehicle is active, the method includes acquiring biometric data for an operator of the vehicle via a biometric scanner of the vehicle and comparing the biometric data from the vehicle with the biometric data for the user of the MCD. If the biometric data from the vehicle matches the biometric data from the MCD, the method includes retrieving an account record for the user and implementing an action specified in the account record. If the activity status reflects the vehicle is inactive, the method includes executing the command.

Abstract: A radio tag reading device has a target tag storage unit, a non-target storage unit, and an antenna. The target tag storage unit stores the tag data of any radio tag held in a section from which to read data. The non-target storage unit stores at least the identification data of any radio tag existing outside sections and sections that surround the section. The target tag storage unit stores all tag data read from radio tags via the antenna, except the tag data containing the identification data stored in the non-target tag storage unit.

Abstract: A method and apparatus for validating a distance output of a phase ranging RFID location system, based upon the phase readings included in data sets obtained from monitoring reply signals corresponding to interrogation signals at multiple frequencies and a common interrogation signal beam direction; by comparison of measured phase and frequency data sets with theoretical phases calculated with respect to the same frequencies over a range of positions corresponding to a beam extent of the interrogation signal. The distance output validated by comparison with theoretical threshold data processed to generate an extreme values distribution from which a cumulative distribution function is extracted and against which a confidence level is applied.

Abstract: A display component implements a text entry system for a device, such as a cell phone or other handheld device, has various layers that mimic characteristics of a conventional keyboard. A keyboard is displayed on a dynamic touch screen display. When a key is pressed by a user, the surface area of the key on the display depresses, thereby mimicking a conventional keyboard that would typically be used with a desktop or laptop computer. The display component is comprised of various layers or panels. One layer is a compressible touch sensitive or touch screen layer. Adjacent to this layer is a compressible display layer. Another layer is a deformable or cushion layer for supporting a specific weight, such as the weight of user fingers or hands. Adjacent to the deformable layer is a lower touch sensitive layer which has a coordinate system.

Abstract: A parking area control and management system employs a card reader, which reads identification information from a card commonly carried by a person, such as a driver's license or credit card or other identity card carried by a user that is issued by an entity other than a parking area management entity. A record is made of the identification information upon entrance of a vehicle into the parking area. The person may subsequently leave the parking area on foot and regain entry to the parking area by presenting the same card. Later, the same card is used to exit the parking area, via the vehicle, and to validate that the same person is leaving with the vehicle. The parking area control and management system also includes sensors, such as loop detectors and electric eyes, to determine if a second vehicle or a pedestrian follows behind a vehicle entering into, or exiting from, the parking area.

Abstract: There is provided an electronic wallet device including a holding section to hold a plurality of non-contact type IC cards, an external communication antenna to perform non-contact communication with an external unit, a card communication antenna to perform non-contact communication with the IC cards held in the holding section, a card selecting section to select at least one IC card by narrowing down candidates for an IC card to be used for communication with the external unit from the plurality of IC cards based on a plurality of different card selection criteria, and a communication control section to connect the selected IC card with the external unit via the external communication antenna and the card communication antenna so that the selected non-contact type IC card and the external unit communicate with each other.

Abstract: A wireless communication system includes an interrogator including a housing including circuitry configured to generate a forward link communication signal; communication circuitry configured to communicate the forward link communication signal; and a communication station remotely located with respect to the housing and configured to receive the forward link communication signal from the communication circuitry and to radiate a forward link wireless signal corresponding to the forward link communication signal; and at least one remote communication device configured to receive the forward link wireless signal.

Abstract: A wireless communication system includes an interrogator including a housing including circuitry configured to generate a forward link communication signal; communication circuitry configured to communicate the forward link communication signal; and a communication station remotely located with respect to the housing and configured to receive the forward link communication signal from the communication circuitry and to radiate a forward link wireless signal corresponding to the forward link communication signal; and at least one remote communication device configured to receive the forward link wireless signal.

Abstract: Various switchable RFID devices are disclosed. These switchable RFID devices may include one or more RFID tags and one or more switches. Some of these one or more switches are optionally wireless. In various embodiments, the switchable RFID devices include identity devices, financial devices, remote controls, and the like. In some embodiments, switches are configured to enter data into a switchable RFID device, for example to select a financial account.

Abstract: A system allows consumers the ability to remotely transmit order and/or payment preference data to a vendor to facilitate sales transactions. A personal transmitter or key fob functions to transmit a signal to the vendor when the customer approaches the vendor, which signal comprises preferred order information for vendor processing. The vendor may acknowledge order receipt, generate the order, and automatically submit the transaction for payment through a secure connection. A web site acknowledges receipt of the payment request, retrieves specific transaction information for the target vendor, and processes the payments electronically. Customer information, vendor preferences and encrypted Customer payment specific pointers are downloaded to the personal transmitter on an ongoing basis and stored as encrypted data. If multiple vendors are within the proximity of the consumer, the transmitter will signal an error and list the vendors to the consumer, from which list the target vendor may be selected.

Abstract: A display device for use with a computer adapted for operation in an unrestricted use mode and a limited function mode and a method for enforcing a limited function mode display is disclosed. The display device enters a limited function mode when a condition of non-compliance with an operating policy is discovered by the computer. Additionally, the display device may also enter a limited function mode upon powering up or when connections to the computer and/or selected components of the display are disabled or disconnected. When in the limited function mode, the display may support a limited function interface for use in correcting the condition of non-compliance.

Abstract: Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. Thus, the segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual.

Abstract: A system and method for securing a Radio Frequency (RF) transaction using a RF identification device (RFID) transaction device is provided. RFID transaction device includes a transactions counter for tallying the number of transactions attempted or completed with the RFID transactions device. Counter value is used to create a RFID device authentication tag for use in validating the RFID device. A RFID reader, interacting with the RFID device, provides a random number to the RFID device which may be used in the RFID device authentication tag creation and validation. RFID reader may also use counter value and random number to create a RFID reader authentication key useful for validating RFID reader. RFID transaction device may include an encryption key for creating RFID transaction device authentication tag. Likewise, RFID reader may include a RFID reader encryption key for creating RFID reader authentication tag.

Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

Abstract: A method is provided for supporting processing of a transaction conducted between a first party and a second party. The first party accepts payment via a plurality of different payment options selectable by the second party, and the plurality of different payment options are associated with a plurality of different authentication protocols prescribed therefor.

Abstract: A transponder-reader transaction completion system includes a Radio Frequency (RF) operable reader for interrogating a RF operable transaction device via RF communication, wherein the transaction device is operable to provide an account number in ISO/IEC 7816 magnetic stripe Track1/Track 2 format to the RF reader via RF communication. The RF reader is additionally operable to provide an account number in ISO/IEC 7816 magnetic stripe Track1/Track 2 format to a merchant system for use in transaction completion.

Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

Abstract: A wireless communication system includes an interrogator including a housing including circuitry configured to generate a forward link communication signal; communication circuitry configured to communicate the forward link communication signal; and a communication station remotely located with respect to the housing and configured to receive the forward link communication signal from the communication circuitry and to radiate a forward link wireless signal corresponding to the forward link communication signal; and at least one remote communication device configured to receive the forward link wireless signal.

Abstract: The present invention relates to a method of enabling a computer network transaction for a product being purchased by a buyer from a seller by generating a once-only transaction feature associated with the transaction, by providing the transaction identification feature to a transaction acquirer, together with a buyer identification feature which identifies the buyer to the transaction acquirer, and by providing the once-only identification feature to the seller, such that the seller may provide the transaction identification feature to the transaction acquirer and the transaction acquirer can match the transaction identification feature received from the seller with the transaction identification feature they have been provided with and, if they match, can enable settlement of the transaction.

Abstract: A communications system for registering tolls, with vehicles which have communications devices for wirefree communication between the vehicles and the toll operator which is assigned to them and has a corresponding communications device. In this context, the vehicles transmit toll information relevant to the toll operator in a toll-registration area which is assigned to the toll operator, and the toll operator determines or bills the tolls to be charged therefrom. If the vehicles communicate, by means of their communication devices, with other toll operators outside the toll registration area of the toll operator assigned to them, in order to register tolls, the exchange of toll-related information takes place only when a certificate of the assigned toll operator is successfully transmitted and on the basis of a public key or a private key.

Abstract: Electronic Credit Card (ECC) is an electronic device that enables transmission/reception of data and/or digital information to/from a host computer via a Terminal Station (TS). TS includes Teller Machines in supermarkets/shopping complex, Automatic Teller Machines (ATM), EFTPOS devices and proprietary transceiver devices developed by Creative On-Line Technologies Limited for PC interface. It provides latest financial information including balances on its display unit. Keypads (1) enable PIN (personal identification number) entries so that an ECC is operational. Information Display Unit (2) including an LCD (liquid crystal display) screen or other display screens provides visual information. ENTER key (3) confirms a transaction. It is also used to activate an ECC when a PIN is keyed. Audio Transducer (4) confirms entries made on keypads (1). Audio Transducer is also used to activate a financial transaction via a telephone.

Abstract: Methods, systems, and computer program products for interacting with ISO 14443-4 and MIFARE® applications on the same wireless smart device during a common transaction are disclosed. According to one aspect, the method includes detecting and communicating with an ISO 14443-4 application located on a wireless smart device that includes an ISO 14443-4 and a MIFARE® application to perform at least part of the common transaction. Termination of the ISO 14443-4 application is detected, and the MIFARE® application located on the wireless smart device is detected and communicated with for performing at least part of the common transaction.

Abstract: A system and method for attaching a Radio Frequency operable transaction device to an article using various attachment apparatus are disclosed. The invention includes attaching a transaction device to an article using apparatuses comprised of bands, clips, clamps, drawstrings, and adhesives. The present invention allows for the securing of an RF transaction device (e.g., a payment fob) to a consumer's person thereby enabling a transaction to be completed without the need for the consumer to manually present the transaction device.

Abstract: Location based security rules are provided for preventing unauthorized access to a device, application, system, content, and/or network, etc. The location-based security rules enable a user, computing device, system, etc. to access the requested item or information when the user provides proper identification information. The proper identification information is based in part on the location of the user and/or the user's access request.

Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.

Abstract: A radio frequency identification (RF ID) tag (202) and a method for communicating data from an RF ID card to an electronic device (102) are disclosed. The RF ID tag comprises one or more removable materials that conceal the data (106). The presence of the one or more removable materials disables the RF ID tag.

Abstract: The present invention discloses a method for facilitating biometric security in a smartcard-reader transaction system by proffering a biometric. The biometric may be proffered to a biometric sensor communicating with the smartcard-reader system. Proffering the biometric initiates verification of the biometric sample and facilitates authorization of a transaction.

Abstract: The present invention discloses a method for registering biometric information for use in a smartcard-reader system. The method comprises the steps of contacting an authorized sample receiver and submitting a biometric to a sensor to facilitates the sensor in obtaining a biometric sample. The method also includes providing user information and smartcard information to the smartcard-reader system to facilitate associating the biometric sample with the user and smartcard information.

Abstract: A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.

Abstract: The present invention discloses a system and methods for biometric security using smellprint recognition biometrics in a smartcard-reader system. The biometric security system also includes a smellprint sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard configured with a smellprint sensor. In another embodiment, the system includes a reader configured with a smellprint sensor. In yet another embodiment, the present invention discloses methods for proffering and processing smellprint samples to facilitate authorization of transactions.

Abstract: The present invention discloses a system and methods for biometric security using biometrics in a smartcard-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.

Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.

Abstract: A mobile communications device is described which includes an input sensor, a memory unit, processing unit, and an antenna configured to wirelessly transmit and receive financial account data for a transaction. The antenna is configured to receive a request for data stored on the memory unit, and may also be configured to induce a voltage from a magnetic field to power certain components of the device. The input sensor may control whether the components can be so powered from the magnetic field. Alternatively, input from the input sensor may otherwise control the functionality of the device. By way of example, data representative of an input received by the input sensor may be transmitted in addition to the requested data.

Abstract: Electronic Credit Card (ECC) is an electronic device that enables transmission/reception of data and/or digital information to/from a host computer via a Terminal Station (TS). TS includes Teller Machines in supermarkets/shopping complex, Automatic Teller Machines (ATM), EFTPOS devices and proprietary transceiver devices developed by Creative On-Line Technologies Limited for PC interface. It provides latest financial information including balances on its display unit. Keypads (1) enable PIN (personal identification number) entries so that an ECC is operational. Information Display Unit (2) including an LCD (liquid crystal display) screen or other display screens provides visual information. ENTER key (3) confirms a transaction. It is also used to activate an ECC when a PIN is keyed. Audio Transducer (4) confirms entries made on keypads (1). Audio Transducer is also used to activate a financial transaction via a telephone.

Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.

Abstract: A RF transaction device is provided, which is operable to store a private label transaction account identifier associated with a private label transaction account. The invention further includes a RF operable reader in communication with a private label transaction processing system. The RF transaction device communicates with the reader to provide the private label transaction account identifier to the transaction processing system. As such, the invention provides a RF transaction device which may be used to complete a transaction using RF frequency in a contactless environment.

Abstract: An apparatus including a memory device for storing a limitation or restriction on an account use received via the Internet and/or World Wide Web and a processing device for determining whether a transaction on the account or a use of a wireless or cellular communication device is authorized, allowed, or disallowed. An apparatus including a processing device for processing information regarding a banking transaction or use of a wireless or cellular communication device and generating a signal containing information regarding the transaction or device use and a transmitter for transmitting the signal to a communication device. An apparatus including a processing device for processing transaction information and generating a signal containing transaction information, and a transmitter for transmitting the signal to a communication device via the Internet and/or World Wide Web independently of transaction processing by a central transaction processing computer.

Abstract: The present invention provides an image processing system which can make switch-over between a copy-permitted state and a copy-prohibited state automatically according to the type of production while securely protecting the production. For the purpose, the system causes a detecting portion to detect the presence of predetermined information (i.e., production information) in image data, when that image data is sent from a user side terminal to be output from an output device. If the results of this detection indicate its presence, the system prohibits outputting of that image data from the output device. With this, the system releases an output-prohibited state of the above-mentioned image data based on the results of comparison between a password sent from the user side terminal and a password present in that image data.