Patent application number | Description | Published |
20120222099 | MULTIFACTOR AUTHENTICATION SERVICE - A multifactor authentication (MFA) enforcement server provides multifactor authentication services to users and existing services. During registration, the MFA enforcement server changes a user's password on an existing service to a password unknown to the user. During normal usage when the user accesses the existing service through the MFA enforcement server, the MFA enforcement server enforces a multifactor authentication enforcement policy. | 08-30-2012 |
20120291095 | INDEPENDENT SECURE ELEMENT MANAGEMENT - An independent secure element manager (ISEM) routes secure payloads without modifying the secure payloads and without knowledge of the encryption keys used to encrypt the secure payloads. Secure payloads from multiple issuers and multiple TSMs can coexist in one or more secure elements because of control by the ISEM. | 11-15-2012 |
20130073404 | VIRTUAL OPEN LOOP PAYMENT - A user's mobile device is associated with multiple merchant accounts. The merchant accounts may be gift cards, prepaid cards, stored value cards, or the like. Merchant cards may be topped up automatically at the point of sale so that a large number of closed loop merchant cards operate as a virtual open loop network. | 03-21-2013 |
20130073429 | SECURE COMMERCE WITHIN ELECTRONIC BANKING - Users perform in-application purchases when logged in to an electronic financial application. User funds are transferred into an intermediate account at the user's financial institution, and merchants are paid from a guaranteed account at a separate financial institution. Non-real-time settlement is performed between the intermediate account and the guaranteed account. | 03-21-2013 |
20140024309 | NFC RADIO CONTROL IN A MOBILE DEVICE - A mobile device includes a near field communications (NFC) radio and at least one sensor. A radio frequency (RF) signal emission status is modified in response to a change in state of the mobile device as determined by sensor data. Sensors may include motion sensors, light sensors, location sensors, time sensors, and others. | 01-23-2014 |
20140095315 | MOBILE DEVICE WITH REVEAL OF DYNAMIC CONTENT - A mobile device displays a page-turn icon with abbreviated dynamic content. When a user interacts with the page-turn icon, additional dynamic content is revealed. Dynamic content may be selected and/or controlled by an operating system or a mobile application. Analytics may be collected that describe user behaviour when interacting with the dynamic content. | 04-03-2014 |
20140122293 | SECURE COMMERCE WITHIN ELECTRONIC BANKING - Users perform in-application purchases when logged in to an electronic financial application. User funds are transferred into an intermediate account at the user's financial institution, and merchants are paid from a guaranteed account at a separate financial institution. Non-real-time settlement is performed between the intermediate account and the guaranteed account. | 05-01-2014 |
20140266597 | PERSONAL DIGITAL IDENTITY DEVICE WITH MOTION SENSOR RESPONSIVE TO USER INTERACTION - A personal digital ID device provides a digital identifier to a service for a predetermined duration in response to user interaction. The user interaction may include a button press. The personal digital ID device may be in the form of a bracelet, a key fob, or other form factor. The service may be provided by a mobile device, in the cloud, or elsewhere. | 09-18-2014 |
20140266598 | CONFIGURABLE PERSONAL DIGITAL IDENTITY DEVICE WITH MOTION SENSOR RESPONSIVE TO USER INTERACTION - A personal digital ID device provides a digital identifier to a service for a predetermined duration in response to user interaction. The user interaction may include a button press. The personal digital ID device may be in the form of a bracelet, a key fob, or other form factor. The service may be provided by a mobile device, in the cloud, or elsewhere. | 09-18-2014 |
20140266601 | PERSONAL DIGITAL IDENTITY DEVICE WITH FINGERPRINT SENSOR RESPONSIVE TO USER INTERACTION - A personal digital ID device provides a digital identifier to a service for a predetermined duration in response to user interaction. The user interaction may include a button press. The personal digital ID device may be in the form of a bracelet, a key fob, or other form factor. The service may be provided by a mobile device, in the cloud, or elsewhere. | 09-18-2014 |
20140266602 | CONFIGURABLE PERSONAL DIGITAL IDENTITY DEVICE WITH FINGERPRINT SENSOR RESPONSIVE TO USER INTERACTION - A personal digital ID device provides a digital identifier to a service for a predetermined duration in response to user interaction. The user interaction may include a button press. The personal digital ID device may be in the form of a bracelet, a key fob, or other form factor. The service may be provided by a mobile device, in the cloud, or elsewhere. | 09-18-2014 |
20140270461 | REMOTE DEPOSIT CAPTURE COMPATIBLE CHECK IMAGE GENERATION - A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit. | 09-18-2014 |
20140270462 | MOBILE DEVICE AND APPLICATION FOR REMOTE DEPOSIT OF CHECK IMAGES RECEIVED FROM PAYORS - A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit. | 09-18-2014 |
20140270463 | REMOTE DEPOSIT CAPTURE SYSTEM WITH CHECK IMAGE GENERATION AND STORAGE - A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit. | 09-18-2014 |
20140273961 | PERSONAL DIGITAL IDENTITY DEVICE WITH FINGERPRINT SENSOR - A personal digital ID device provides a digital identifier to a service for a predetermined duration in response to user interaction. The user interaction may include a button press. The personal digital ID device may be in the form of a bracelet, a key fob, or other form factor. The service may be provided by a mobile device, in the cloud, or elsewhere. | 09-18-2014 |
20140279480 | REMOTE DEPOSIT CAPTURE COMPATIBLE CHECK IMAGE GENERATION IN RESPONSE TO MOTION OF A MOBILE DEVICE - A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit. | 09-18-2014 |
20140279481 | MOBILE DEVICE AND APPLICATION FOR REMOTE DEPOSIT OF CHECK IMAGES SECURELY RECEIVED FROM PAYORS - A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit. | 09-18-2014 |
20140279482 | REMOTE DEPOSIT CAPTURE SYSTEM WITH CHECK IMAGE STORAGE - A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit. | 09-18-2014 |
20140281566 | PERSONAL DIGITAL IDENTITY DEVICE WITH MOTION SENSOR - A personal digital ID device provides a digital identifier to a service for a predetermined duration in response to user interaction. The user interaction may include a button press. The personal digital ID device may be in the form of a bracelet, a key fob, or other form factor. The service may be provided by a mobile device, in the cloud, or elsewhere. | 09-18-2014 |
20140282859 | TOKEN BASED MULTIFACTOR AUTHENTICATION - A multifactor authentication (MFA) enforcement server provides multifactor authentication services to users and existing services. During registration, the MFA enforcement server changes a user's password on an existing service to a password unknown to the user. During normal usage when the user accesses the existing service through the MFA enforcement server, the MFA enforcement server enforces a multifactor authentication enforcement policy. | 09-18-2014 |