The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS ("SNAP") transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.

Snap mobile payment apparatuses, methods and systems

A dynamic credit card is provided in which a secure credit card number (e.g., a secret/hidden credit card number) is encoded based on a timing signal (e.g., an internal counter) to provide a dynamic credit card number. This dynamic number may be displayed to a user via a display (e.g., so that online purchases can be made) or written onto a magnetic stripe such that the number may be processed by traditional credit card merchants (e.g., swiped). At a remote facility, the dynamic number may be decoded based on time (and/or a counter/key number/equation) or the facility may have the secure number and perform the same function as the dynamic credit card (e.g., encode using time data as a parameter to the encoding equation) and compare the resultant dynamic number to the dynamic number received. Thus, a dynamic credit card number may change continually or periodically (e.g., every sixty seconds) such that credit card numbers may not be copied by thieves and used at later times. A dynamic verification code may be utilized in addition to, or in lieu of, a dynamic credit card number.

Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card

The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.

Wearable Intelligent Vision Device Apparatuses, Methods and Systems

A near field communication device included in a secure transaction card provides an addition and/or transitional communication link for communicating secure transaction information. The near field communication device may be selectively engaged or disengaged and, when engaged, either active or passive modes of operation of the near field communication device can be selected. in the active mode, secure transaction information is transmitted upon establishment of a communication link with a complementary near field communication device. In the passive mode, secure transaction information is transmitted upon interrogation from a complementary near field communication device. Secure transaction information is generated and stored for transmission in a memory and at least a portion of the memory is erased or nulled upon transmission or upon expiration of a selected period of time.

Secure Credit Card with Near Field Communications

The present disclosure is directed to a system and method for selectively switching antennas of transaction cards. In some implementations, a method includes physically interfacing a card with a mobile host device including a Graphical User Interface (GUI). The card executes wireless financial transactions independent of the mobile host device. User credentials used to execute financial transactions with retail terminals are stored. Information is presented through the GUI of the mobile host device. An antenna of the card is selectively switched between an activate state and an inactive state in response to at least an event.

Selectively switching antennas of transaction cards

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

Electronic transaction card

An electronic stripe card senses when it is being swiped passed a read head, and drives a conductive path to mimic a magnetic card track. Multiple conductive paths may be driven in an interleaved fashion one after another. The card may include multiple swipe sensors to detect when to start and stop driving the conductive paths. The conductive paths may include traces on a top metal layer and bottom metal layer without magnetic material therebetween.

Electronic stripe cards

A device uses a user authentication factor to generate a decryption key for use in asymmetric cryptography. An encryption key is generated from the decryption key using a one-way function.

Asymmetric cryptography with user authentication

A device uses a user authentication factor to generate an asymmetric decryption key for use in cryptography. An asymmetric encryption key is generated from the asymmetric decryption key using a one-way function, and the asymmetric encryption key is used to encrypt a symmetric key.

Thomas N. Spitzer

Papers

System and method for securing financial transactions

Electronic transaction card

Electronic stripe cards

Asymmetric cryptography with user authentication

Hybrid symmetric/asymmetric cryptography with user authentication