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Siva G. Narendra, Portland US

Siva G. Narendra, Portland, OR US

Patent application numberDescriptionPublished
20080244208Memory card hidden command protocol - A memory card compatible token includes non-memory components accessed using commands hidden in the data stream of a memory card access command. A mobile computing device such as a mobile phone accesses the non-memory components by writing to a specific address, including a known data value in the data stream, or both. The token may be activated using an activation code, and a subsequently chosen password may be used to authenticate the mobile computing device to the token each time a hidden command is issued.10-02-2008
20080279381Secure messaging - Secure authentication and messaging for mobile online transactions are performed by a secure messaging platform. The secure messaging platform may include a token coupled to a mobile device, or a mobile device alone. The token enables secure access, and client and server protocols enable secure transactions using text/SMS messaging.11-13-2008
20090033308COMPONENT RELIABILITY BUDGETING SYSTEM - A system may include acquisition of a supply voltage information representing past supply voltages supplied to an electrical component, acquisition of a temperature information representing past temperatures of the electrical component, and control of a performance characteristic of the electrical component based on the supply voltage information and the temperature information. Some embodiments may further include determination of a reliability margin based on the supply voltage information, the temperature information, and on a reliability specification of the electrical component, and change of the performance characteristic based on the reliability margin.02-05-2009
20090152361Memory card based contactless devices - A memory card compatible token includes a memory card slot compatible interface, radio circuits to transmit signals and a controller to determine if the memory card access commands are for contactless devices attached to the memory card slot or general memory. User payment account information is stored in the contactless chip as part of the contactless devices. The radio circuits can be activated and deactivated by the user for signal transmission using the controller through a mobile computing device.06-18-2009
20090298540ELECTRONIC TRANSACTION CARD - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.12-03-2009
20100033307SMALL RFID CARD WITH INTEGRATED INDUCTIVE ELEMENT - A memory card compatible RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card. Commands may be sent to the RFID card to keep the RFID card powered.02-11-2010
20100033310POWER NEGOTATION FOR SMALL RFID CARD - A memory card compatible RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card. Commands may be sent to the RFID card to keep the RFID card powered.02-11-2010
20100115301CPU POWER DELIVERY SYSTEM - A central processing unit (CPU) is disclosed. The CPU includes a CPU die; and a voltage regulator die bonded to the CPU die in a three dimensional packaging layout.05-06-2010
20100145895COMPONENT RELIABILITY BUDGETING SYSTEM - A system may include acquisition of a supply voltage information representing past supply voltages supplied to an electrical component, acquisition of a temperature information representing past temperatures of the electrical component, and control of a performance characteristic of the electrical component based on the supply voltage information and the temperature information. Some embodiments may further include determination of a reliability margin based on the supply voltage information, the temperature information, and on a reliability specification of the electrical component, and change of the performance characteristic based on the reliability margin.06-10-2010
20100213265CONTACTLESS DEVICE WITH MINIATURIZED ANTENNA - A contactless device includes a miniaturized antenna. The antenna includes an inductive coupling element that presents a field coupling surface area to couple to a magnetic field. The inductive element may be made of layers where conductive loops are formed parallel to the layers or perpendicular to the layers. When conductive loops are formed perpendicular to the layers, the effective field coupling surface area is increased. The inductive element is positioned on an outside edge of a memory card compatible device with the field coupling surface area perpendicular to the card.08-26-2010
20100219516Power management integrated circuit - An integrated circuit (IC) package is disclosed. The IC package includes a first die; and a second die bonded to the CPU die in a three dimensional packaging layout.09-02-2010
20110053644MOBILE DEVICE WITH TRANSACTION CARD IN ADD-ON SLOT - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.03-03-2011
20110073663MEMORY CARD COMPATIBLE FINANCIAL TRANSACTION CARD - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.03-31-2011
20110073665ELECTRONIC TRANSACTION CARD POWERED BY MOBILE DEVICE - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof03-31-2011
20110077052PROVISIONING ELECTRONIC TRANSACTION CARD IN MOBILE DEVICE - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof03-31-2011
20110171996SMARTCARD PERFORMANCE ENHANCEMENT CIRCUITS AND SYSTEMS - An RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card or SIM card. Enhancement circuits enhance the usable read and write distance of the RFID card.07-14-2011
20110180610MOBILE PAYMENT DEVICE - A memory card compatible RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card. Commands may be sent to the RFID card to keep the RFID card powered.07-28-2011
20110220726ADD-ON CARD WITH SMARTCARD CIRCUITRY POWERED BY A MOBILE DEVICE - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.09-15-2011
20110223972PROVISIONING AN ADD-ON APPARATUS WITH SMARTCARD CIRCUITY FOR ENABLING TRANSACTIONS - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.09-15-2011
20110269438PERFORMING TRANSACTIONS WITH AN ELECTRONIC TRANSACTION CARD - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.11-03-2011
20110271044MEMORY CARD HAVING ONE OR MORE SECURE ELEMENTS ACCESSED WITH HIDDEN COMMANDS - A memory card compatible token includes one or more secure elements accessed using secure element commands hidden in a memory card access command. A mobile computing device such as a mobile phone accesses the non-memory components by including a hidden command value as part of the memory card access command. Any set or subset of all possible secure element commands may be routed to one or more secure elements based on the hidden command value.11-03-2011
20110272468MEMORY CARD ADAPTER - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.11-10-2011
20110272469ELECTRONIC TRANSACTION CARD WITH CONTACTLESS INTERFACE - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.11-10-2011
20120067964APPARATUS FOR SECURE FINANCIAL TRANSACTIONS - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.03-22-2012
20120071205PROVISIONING AN ELECTRONIC TRANSACTION CARD FOR A CARD ISSUER - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.03-22-2012
20120138675MOBILE DEVICE ADD-ON APPARATUS FOR FINANCIAL TRANSACTIONS - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.06-07-2012
20120178433METHOD FOR PROVISIONING AN APPARATUS CONNECTED CONTACTLESS TO A MOBILE DEVICE - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.07-12-2012
20120222099MULTIFACTOR 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
20120276963COUPLING AREA ENHANCEMENT APPARATUS, SYSTEM, AND METHOD - A coupling area enhancement device includes a small coil and a large coil on opposing sides of a sheet of electromagnetic interference (EMI) absorptive material. The coupling area enhancement device may include one or more holes and may include adhesive material and sticker covers. Placement of the coupling area enhancement device may be accomplished by sticking the small coil to a host device near a contactless antenna. The large coil may also be stuck to a battery cover.11-01-2012
20120280038MOBILE WALLET TRANSACTION SYSTEM - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.11-08-2012
20120280039METHODS FOR OVER THE NETWORK TRANSACTIONS ON A MOBILE DEVICE - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.11-08-2012
20120291095INDEPENDENT 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
20120305653CONTACTLESS CARD THAT RECEIVES POWER FROM HOST DEVICE - A memory card compatible RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card. Commands may be sent to the RFID card to keep the RFID card powered.12-06-2012
20120318864METHODS FOR OVER THE NETWORK TRANSACTIONS ON A WEARABLE DEVICE - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.12-20-2012
20130037611APPARATUS WITH SMARTCARD CIRCUITRY POWERED BY A MOBILE DEVICE - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.02-14-2013
20130043317MOBILE PAYMENT DEVICE WITH SMALL INDUCTIVE DEVICE POWERED BY A HOST DEVICE - A memory card compatible RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card. Commands may be sent to the RFID card to keep the RFID card powered.02-21-2013
20130073404VIRTUAL 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
20130073429SECURE 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
20130122804MOBILE DEVICE POWER MANAGEMENT - Power categories are defined by power thresholds that correspond to an amount of power remaining in a mobile device's power source. Mobile device services, applications, or application components are binned into the power categories and disabled as the power sour is drained. A second power source may provide power to critical services after the first power source is drained.05-16-2013
20130168453WEARABLE DEVICE TRANSACTION SYSTEM - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.07-04-2013
20130233931ACTIVE CIRCUIT FOR RFID - An RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card or SIM card. Enhancement circuits enhance the usable read and write distance of the RFID card.09-12-2013
20130303084APPLICATION WITH DEVICE SPECIFIC USER INTERFACE - A mobile device includes a user interface that has a plurality of non-pas sword-protected desktop screens and at least one password protected desktop screen. The mobile device includes a touch sensitive display device that accepts gestures used to navigate between the desktop screens. Applications may be installed to password protected desktop screens.11-14-2013
20130305240INSTALLING APPLICATIONS TO PASSWORD PROTECTED DESKTOP SCREENS ON A MOBILE DEVICE - A mobile device includes a user interface that has a plurality of non-password-protected desktop screens and at least one password protected desktop screen. The mobile device includes a touch sensitive display device that accepts gestures used to navigate between the desktop screens. Applications may be installed to password protected desktop screens.11-14-2013
20130305351MOBILE DEVICE WITH PASSWORD PROTECTED DESKTOP SCREEN - A mobile device includes a user interface that has a plurality of non-password-protected desktop screens and at least one password protected desktop screen. The mobile device includes a touch sensitive display device that accepts gestures used to navigate between the desktop screens. Applications may be installed to password protected desktop screens.11-14-2013
20130305352MOBILE DEVICE WITH DESKTOP SCREEN INDICATORS - A mobile device includes a user interface that has a plurality of non-password-protected desktop screens and at least one password protected desktop screen. The mobile device includes a touch sensitive display device that accepts gestures used to navigate between the desktop screens. Applications may be installed to password protected desktop screens.11-14-2013
20130347075METHOD AND APPARATUS FOR SECURE CONSOLIDATION OF CLOUD SERVICES - Cloud services are provided to mobile devices. Applications access cloud services through a consolidator that consolidates the services. The mobile device may include a secure element and secure memory to which the consolidator may authenticate. Authenticated consolidators can control the lifecycle of applications and data in secure memory. Secure elements and secure memory may be embedded or integrated in the mobile device in non-removable add-on slots, or may be in a removable or remote add-on device.12-26-2013
20140024309NFC 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
20140087789LIGHTNING CONNECTOR ACCESSORY DEVICE - A Lightning connector compatible accessory device includes circuitry that is completely enveloped by a mobile device when the accessory device is inserted in a Lightning connector. The accessory device may include a microUSB connector on one end of a printed circuit board. The printed circuit board may be offset in a housing.03-27-2014
20140089687POWER MANAGEMENT INTEGRATED CIRCUIT - An integrated circuit (IC) package is disclosed. The IC package includes a first die; and a second die bonded to the CPU die in a three dimensional packaging layout.03-27-2014
20140095315MOBILE 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
20140122293SECURE 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
20140266596CONFIGURABLE PERSONAL DIGITAL IDENTITY DEVICE RESPONSIVE TO USER INTERACTION WITH USER AUTHENTICATION FACTOR CAPTURED IN MOBILE DEVICE - 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
20140266597PERSONAL 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
20140266598CONFIGURABLE 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
20140266599CONFIGURABLE PERSONAL DIGITAL IDENTITY DEVICE WITH IMAGER 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
20140266601PERSONAL 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
20140266602CONFIGURABLE 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
20140266603PERSONAL DIGITAL IDENTITY DEVICE WITH IMAGER 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
20140266605PERSONAL DIGITAL IDENTITY DEVICE WITH MICROPHONE 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
20140266606CONFIGURABLE PERSONAL DIGITAL IDENTITY DEVICE WITH MICROPHONE 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
20140270173PERSONAL DIGITAL IDENTITY DEVICE 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
20140270174PERSONAL DIGITAL IDENTITY DEVICE RESPONSIVE TO USER INTERACTION WITH USER AUTHENTICATION FACTOR CAPTURED IN MOBILE DEVICE - 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
20140270175PERSONAL DIGITAL IDENTITY DEVICE WITH IMAGER - 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
20140270461REMOTE 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
20140270462MOBILE 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
20140270463REMOTE 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
20140273959PERSONAL DIGITAL IDENTITY DEVICE - 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
20140273960PERSONAL DIGITAL IDENTITY DEVICE WITH USER AUTHENTICATION FACTOR CAPTURED IN MOBILE DEVICE - 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
20140273961PERSONAL 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
20140273970SECURE ELEMENT APPARATUS WITH MEMORY - Cloud services are provided to mobile devices. Applications access cloud services through a consolidator that consolidates the services. The mobile device may include a secure element and secure memory to which the consolidator may authenticate. Authenticated consolidators can control the lifecycle of applications and data in secure memory. Secure elements and secure memory may be embedded or integrated in the mobile device in non-removable add-on slots, or may be in a removable or remote add-on device.09-18-2014
20140279480REMOTE 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
20140279481MOBILE 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
20140279482REMOTE 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
20140281565CONFIGURABLE PERSONAL DIGITAL IDENTITY DEVICE 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
20140281566PERSONAL 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
20140282859TOKEN 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
20140282987PERSONAL DIGITAL IDENTITY DEVICE WITH MICROPHONE - 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
20140353390ENHANCED INTEGRATED CIRCUIT WITH SMARTCARD CONTROLLER - An RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card or SIM card. Enhancement circuits enhance the usable read and write distance of the RFID card.12-04-2014
20140354503MOBILE DEVICE WITH COUPLING AREA ENHANCEMENT - A coupling area enhancement device includes a small coil and a large coil on opposing sides of a sheet of electromagnetic interference (EMI) absorptive material. The coupling area enhancement device may include one or more holes and may include adhesive material and sticker covers. Placement of the coupling area enhancement device may be accomplished by sticking the small coil to a host device near a contactless antenna. The large coil may also be stuck to a battery cover.12-04-2014
2015003472713.56 MHZ ENHANCEMENT CIRCUIT FOR SMARTCARD CONTROLLER - An RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card or SIM card. Enhancement circuits enhance the usable read and write distance of the RFID card.02-05-2015
2015003472813.56 MHZ ENHANCEMENT CIRCUIT FOR SMARTMX SMARTCARD CONTROLLER - An RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card or SIM card. Enhancement circuits enhance the usable read and write distance of the RFID card.02-05-2015
20150038194AMPLIFIER AND TRANSMISSION SOLUTION FOR 13.56MHZ RADIO COUPLED TO SMARTCARD CONTROLLER - An RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card or SIM card. Enhancement circuits enhance the usable read and write distance of the RFID card.02-05-2015
20150038195AMPLIFIER AND TRANSMISSION SOLUTION FOR 13.56MHZ RADIO COUPLED TO SMARTMX SMARTCARD CONTROLLER - An RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card or SIM card. Enhancement circuits enhance the usable read and write distance of the RFID card.02-05-2015
20150069139MOBILE DEVICE WITH A CONTACTLESS SMARTCARD DEVICE AND ACTIVE LOAD MODULATION - An RFID card includes a smartcard controller that receives power from a host device. The RFID card also includes a small inductive device capable of inductive coupling with an RFID reader. The small inductive device is small enough to fit in the form factor of a memory card or SIM card. Enhancement circuits enhance the usable read and write distance of the RFID card.03-12-2015

Patent applications by Siva G. Narendra, Portland, OR US

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