A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token, such as a smartcard containing a digital certificate. The intelligent token suitably authenticates with a server on a network that conducts all or portions of the transaction on behalf of the user. In various embodiments a wallet server interacts with a security server to provide enhanced reliability and confidence in the transaction. In various embodiments, the wallet server includes a toolbar. In various embodiments, the digital wallet pre-fills forms. Forms may be pre-filled using an auto-remember component.

Methods and Apparatus for Conducting Electronic Transactions

A financial transaction system utilizes multi-factor authentication to secure financial transactions. The system comprises a portable transaction device (e.g. a wireless phone) which is used to program the magnetically or electronically reprogrammable stripe of a magnetic stripe card or the memory of a smart card. A single-use account number may be used to program the card. The device provides biometric authentication and secondary authentication using a secondary wireless device. The device and the programmed cards are used in various financial transactions.

System and method for securing financial transactions

The present invention provides a system, method and apparatus that includes a user device having a magnetic field generator disposed within a substrate that is normally inactive, an initiator mounted on the substrate, a memory disposed within the substrate and a processor disposed within the substrate that is communicably coupled to the magnetic field generator, the initiator and the memory. The processor is operable to process information received from the initiator, generate a time varying code in response to the received information and activate the magnetic field generator. A power source is also disposed within the substrate. The magnetic field generator can create a spatial magnetic signal using a magnetic stripe and one or more induction coils, or create a time-varying magnetic signal for emulating data obtained from swiping a traditional magnetic stripe card through a magnetic card reader.

System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe

A system and method for providing a capability to backup cellular telephone provisioning information and personal data from a mobile handset on a server. A user initializes an account with a service provider with authentication credentials and backs up provisioning information and personal data stored within a mobile handset to server for safe keeping. The provisioning information and personal data can be accessed via the cellular telephone network so that the provisioning and personal data can be transferred among mobile handsets. This allows a user to restore personal data quickly and easily if a mobile handset replaced, lost or destroyed. The system and method further provide the capability to remotely provision new mobile handsets.

Virtual sim card for mobile handsets

A system for increasing transaction security across existing infrastructure is provided. A user bio-metric sensor device (218) is integrated into a credit or debit card (210). A display unit (220) provides a key, preferably encrypted, upon successful utilization of the sensor device. Included in the key generation mechanism is an indicator of the transaction number or other sequential count indicative of card use. An authorization service decrypts the key in a manner at least partially dependent upon a second sequential count maintained in sync with the first count to determine whether the use is autorized. A separate reader may be similarly configured to read existing smart cards utilizing the process of the present invention.

Bio-metric smart card, bio-metric smart card reader and method of use

A self-authenticating smart card that authenticates the bearer thereof by verifying biometric personal data of the bearer, without storing reference biometric data at remote databases or outside the smart card and without transmitting the personal data through private or public data channels. The smart card can be implemented as a smart card combined with a conventional magnetic strip to permit use at establishments that are not configured to handle smart cards.

Bernard Rowe

Papers

Smart card with onboard authentication facility