The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.

System for facilitating a transaction

Methods, apparatus, and business techniques are disclosed for use in distributed communication systems comprising a plurality of communication protocols. In one embodiment a first air interface is used to initiate communication between a wireless client and a remote server at least partially using a first wireless access point. The server sends the wireless client a stub of a distributed object. The stub is used to instantiate an object class. The object class defines an interface that the remote client can use to communicate with the remote server using an upper layer interface. The distributed object stub also provides an implementation of a software radio configuration for a set of lower protocol layers in a second air interface. The wireless client can thereby communicate with a second wireless access point using said second air interface protocol. Exemplary embodiments of the present invention are disclosed that focus on toll-tag and electronic-commerce related highway systems, distributed federated wireless access systems, and wide area wireless system capacity augmentation.

Federated multiprotocol communication

A transporter-reader payment system includes a fob (102) including a transponder (114), and a RFID reader (104) for interrogating the transponder (102). The system may further include a personalization system (134) for populating onto the fob (102) and RFID reader (104) identifying information and security and authentification keys which may be used during mutual authentication of the fob (102) and the reader (104) and for completing a transaction. In exemplary operation, the fob (102) and RFID reader (104) may be personalized, the fob (102) may be presented to the RFID reader (104) for interrogation, the fob (102) and reader (104) may engage in mutual authentication, and fob (102) identifying information may be provided to the reader (104) for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob (102) may be responsive to multiple interrogation signals.

System and method for payment using radio frequency identification in contact and contactless transactions

Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other The transaction device user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts. The transaction request may be processed in accordance with the user's allocations.

Systems and methods for managing multiple accounts on a rf transaction device using secondary identification indicia

Methods, apparatus, and business techniques are disclosed for use in mobile network communication systems. A mobile unit such as a smart phone is preferably equipped with a wireless local area network connection and a wireless wide area network connection. The local area network connection is used to establish a position-dependent ecommerce network connection with a wireless peripheral supplied by a vendor. The mobile unit is then temporarily augmented with the added peripheral services supplied by the negotiated wireless peripheral. Systems and methods allow the mobile unit to communicate securely with a remote server, even when the negotiated wireless peripheral is not fully trusted. Also mobile units, wireless user peripherals, and negotiated wireless peripherals that project a non-area constrained user interface image on a display surface are taught.

Negotiated wireless peripheral security systems

A communication link is established between the smart card and a computer using a valid smart card communication protocol. A smart card communication device determines the valid smart card communication protocol used by a smart card by polling a communication channel using a plurality of smart card communication protocols until a valid acknowledgment message is received. A radio frequency circuit is configured to communicate with the smart card using the valid smart card communication protocol. A digital signal processor having at least two demodulators demodulates an incoming data stream produced by the receiver in accordance with the valid smart card communication protocol in a dynamically reconfigurable manner.

Stefan Rousseau

Papers

Multiple protocol smart card communication device