CA2697759A1 - Wirelessly executing financial transactions - Google Patents

Wirelessly executing financial transactions Download PDF

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Publication number
CA2697759A1
CA2697759A1 CA2697759A CA2697759A CA2697759A1 CA 2697759 A1 CA2697759 A1 CA 2697759A1 CA 2697759 A CA2697759 A CA 2697759A CA 2697759 A CA2697759 A CA 2697759A CA 2697759 A1 CA2697759 A1 CA 2697759A1
Authority
CA
Canada
Prior art keywords
card
user
host device
microsd
transaction
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
CA2697759A
Other languages
French (fr)
Inventor
Deepak Jain
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Device Fidelity Inc
Original Assignee
Devicefidelity, Inc.
Deepak Jain
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Devicefidelity, Inc., Deepak Jain filed Critical Devicefidelity, Inc.
Publication of CA2697759A1 publication Critical patent/CA2697759A1/en
Abandoned legal-status Critical Current

Links

Classifications

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    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07737—Constructional details, e.g. mounting of circuits in the carrier the record carrier consisting of two or more mechanically separable parts
    • G06K19/07739—Constructional details, e.g. mounting of circuits in the carrier the record carrier consisting of two or more mechanically separable parts comprising a first part capable of functioning as a record carrier on its own and a second part being only functional as a form factor changing part, e.g. SIM cards type ID 0001, removably attached to a regular smart card form factor
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    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/14—Prepayment of wireline communication systems, wireless communication systems or telephone systems using commercial credit/debit cards, e.g. VISA, AMEX
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W52/00—Power management, e.g. TPC [Transmission Power Control], power saving or power classes
    • H04W52/02—Power saving arrangements
    • H04W52/0209—Power saving arrangements in terminal devices
    • H04W52/0261—Power saving arrangements in terminal devices managing power supply demand, e.g. depending on battery level
    • H04W52/0274—Power saving arrangements in terminal devices managing power supply demand, e.g. depending on battery level by switching on or off the equipment or parts thereof
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D30/00—Reducing energy consumption in communication networks
    • Y02D30/70—Reducing energy consumption in communication networks in wireless communication networks

Abstract

The present disclosure is directed to a system and method for wirelessly executing financial transactions. A payment card includes an interface, a communication module, secure memory, a user-interface module, and a processing module. The interface connects to a slot of a mobile host device. The communication module wirelessly receives RF signals from and transmits RF signals to a retail terminal. The secure memory stores user credentials and a payment application used to execute financial transactions with the retail terminal. The user credentials and the payment application are associated with a financial institution. The user-interface module presents and receives information through the GUI of the mobile host device. The processing module executes the payment application using the user credentials in response to at least a transaction request received by the communication module and transmits a transaction response to the retail terminal based, at least in part, on the executed application.

Description

--------------------CLAIMM OF PRIORITY

s application claims to U.S. Patent App licatioF S.t iiaj No, 60/9^` ..81 ', fled n Sepi.?F'. b 3 12 200'.7, and D.S. Patent Application Serial Nefiled on ,>.. 2003 the entire contents of which are herey inc:?po ated by reference.
TECHNICAL HELD

n i to :,..,. invention relates to net~'or communications ?:il more ,~; i.
.?~:Eil;..lZ , to i:ie essiy: x<'cuting financial tran'sactions, BACKGROUND
' .-s.,a c et cti-i?nic devices and tokens have `3eco ne an n egsra:ted part ?t the regular day to day user experience, There is a wide var et'i of consmo :
potable and .andheId helices that users have in led possession including coifiFFFiFicution ?i3:smeas and entertaining device such as cell phones., music players. dig.-,ml sma i a , iiier'no'y token and variety of possible of tho alo'. ..lit:.i...~ devices and tokens. All of these devices share the communality that consmnei' are ac ustoated to ,.al'l'ying their.with thrill i130st of the titno ari to most is t? c across the various demographics and q e groups level of the sophisticl3.t on of the consumer, fl--r age ?romp, heir 'eelmical level or 20 Mae conunon handl:i :ld devices offer options for expandable memory Micro ir-it (iF:ci'oSD) is the popular interface across high etid ce. lph nes wi>..bt4 SD

and (MME) FIFtcr.iai,es are also available in l mited models vlicr"Si is thleast con-n-110,1 denominator supported by the i iiority of these and ti,~l eus \...i ia"rm5 e.'sl size . in addition, i3daptoi = i4F'e <3\~aila l to ~;.~Fvert a tS ..i+,ii':.SI into 25 MUniSD, SD. MM. and USB Although most popular MP3 player i l'OD3 Men a.
t?rit`iir eta = imerri< ee, e tJi3i _teti`ig designs do o idr sti3P?t:ar tnt;'.face5. ? igital C.:.E; eras t fta.i i osdv Si) and MMC while extreme Digital (xD) is another of?do.n.
Micro .o-id Mini voys,, i s' of these interfaces are aho available in several models. 3:ni-USB is increasingly availalble across ceiiphones, Jig hail can-was and "'.11P3 i;~::yers for with laptops.
r SUMMARY
# i 4z lZ.t disclosure is directed to a system and method 3`. r Zh ireles.'i exi ti At i \ : inailcial tFa sactioins. A payment card includes at) interface, a module, secure Ti)emm?.?r`', a use;-interfit" module, and a p ocessin 1 .i3U vF'iF'kFEafii anon mo(hihe. The interhic'.e connects to a slot of a mobile host device.

module tT i :>lS receives RF signals from and transmits RF to retail ter ii al. he secure 1'F cillor :stores user credentials and a payment app ication used to exe ute financial transactioils with the retail ten-incl. The riser credentials and the p<Z.: niml application are associated with a. Financial institution. I h :.
::3' i::il'.?' .Eii%F =

module p_ õ?Fits and receive," information t. Zic?Sigh the GUI of the mob,.e host device.
module exec tes the ayrtmilt application tisinE he we credentials in The Processing response to at last a transaction.. request received by the eomna3'iuni(. I
C.#"F awdals and i:FiaF.. its a ' i : nsact:ion response to Me retail tumb based, at least in part, on he T H details of on or more tit-ibodime:nts of the invention are sot #TE. m tile accoii?:lan i_, a'i?5ii#lt:~ and the description below, Other ea.t re and.
aul ama je s of the, invention will he apparent f oni the description and drawing s, and From the claims.

DESCRIPTION OF DRAWINGS

?' Z.Rl: is an example transaction system in accordance s>oi iTil `l, i = Zii iF(?f2 of tile, Present disclos.Ere;

FI U 2 is an example transactions s siem that t..a_isFFiits E <Z.EZ
<i:t:l+'.F#:i cellular core neiwo.i'k' 'If: L RE $ is an example transaction card of FIGURE I in ticcordiince with c #S s#~aL .EZ'la? # E ntati'3iFti of the j )resent d#sc.losut'c;

E i_. Ua E At is an c xaj t.l.l: n telhgeFlt chin that selectively sv i.:.?`.i:t a anteFFFitt;
lz 3 ... ...... 5 is all example secure rileF"F of 4 o an intelligent card for storing multiple credentiaE

6 is a schematic diagram fa11ist#a2il#Tii: I.LF"sC?",:z.b.i,:.o-.f:?i, ?:z~ZL+:..~+.:: of cards' FKiURES' 7A and /Ã> are flo charts illustriti#'t, :t?, ex rnple: method the i iit:ialize an itch?gent card;

>' lGuJRES S;, SB and. SC are examples of call flow F #ustaatmF?t. t ll sessions, +, nt figotit card;

l`l(A..ÃF.Ã. is a t:Ãciw chart illustrating ai,, examptc method c> activating i.
cad: and l I('0',?R.EiS l OA and l0,13 illustrate example cards fbr housing intelligent cards.
Like refie-$en e s> mbols in the various drawings indicate: Ile e.lemmu .

DETAILED DESCRIPTION

à is a à lock diagram illustrating an e.` amp;<: f ciilsaction s s'ste`,.n 100 ~vir ie sl ex cutint; transactions using an intelligent card independent o a !lost e'.xaniple=, the system 100 may include: a mikoSocurc Digital card that . xcoutes transactions with financial institutions independent of a host &!Vicei.
As,~,e fto micr. SD, the syste:T.n 100 may include other mass storage into.?' <ac 5 << f hat 15 connect an ;:_tc Ãa; t.rit card to the host device such as, for c xample, (5454c i, SD, Universal S ri 3.l Bus (USB3.. Apple Mock. F.irewir;c, and. o:, ot` ers. AFn is a device configured to insert into or otherwise attach to a host, device and }i.ces or t)tlt r.E'ise, execute services (e.g.. ,Hansa otions) independent of the host & ice. :e.i31e'. impli,1nent:}tioin, the intelligent card may be shaped as a ni.icre?SD
ui Card the exaf ;.ple, inolches, raised Portions and/or other features . The system.
10c1 :d-,ay include an F.rit:elligent card that includes a ,heal interface.
The dial interface may connect the intelligent card to both the host device trough a physical interface V-'..g, "Al ~~ S'3 USB) and external devices through a wireless co-inection NÃ`C, iS 144431 in sonic i:i pl li'li stations, the intelligent card may include an em i teed 25 secu.,e t, Central Processing Link (CPU) with oi)eratils;' system, local memory and value aal aed apl lications accessible by the user through the hest device, A
frost d evice n my }t¾,.;i:ar.,, a cclll>lioni, d. Sni.?liÃ7llone:, a Personal Digital :\i' tFm i WD \ i \lPEÃ,i- l Audio ILciy-er 3 (Z'IM) device', a digital camera, a camcorder. a Ci Orlt, a c oil pute,, and o: ; Ã des ice that includes a mass niefrior y and/or peripheral into iface_ In, sorno.

0 the ill eHiigtnt cud can operate as a master s Ft? the host device being a slave such that the intelligent card controls operational aspects the host device s wit as a user interface The intellice.Ft card hi he system 100 nmy exeenie'.

one or "I "ore of the tfoliow.inu; seieeti'vely activate an antelllla for wireless EI'clfl'r t:ions in Fe prone to at least an :v e,nt; of ri. y the host device w'it:tl a #Ffi1TFS. ia" i .stituÃ.ion ti 'y`i3; f b> exampl,:j a Point Of Sale (PUS) using a host si-4;i3.flture; e emute a t3'i3,ilticci.::>i with ? financial institution 1111' a g il, 31` C2 l.flft e, <F POS t -f nilial ?.illiel'3t:i dent of the host and/or other processes. By providing an intellgent c_i#et the s ste'.m 100 may Wirelessi) execute tl'ciT.sa Ã1?F2y w.vidl fi-Ilancied i without er regi:iring additional hardware, software, and./co- :i. aware on the host device and%r requiring changes to existing hardware, soiiwsre acid/m i+ F reader t'nninais to enable a user to wi.e.lessl execute a rannsacti<.' n.

Z high level, Ã e s stem 100 f if#r. ixd.es art c> fi ilL \W-re `: f~<, >.i,:~ clients 104a and 10th coupled to financial instiÃ'littions 10 through a network 110S, While ix t illas'll ated, Ã e.. system loci may included several int:erif3ediar i arties b etw'eurl tile.
Hnancial. ?stitution 106 and tkie network such as, ibr example, a ttransa.c.#.on acquirer i3ile a a >av llent network hosÃ. The ofii ne store 102 includes, a mobile dc-vii-,c at Oa haei # t F3 ..i.i#lsactioi1 card 112a and a 01tt of Sale PUS device 114 that execute, t ansactio s .'~#t? custoF)'i '.rs. The PUS device 1 14 includes a Graphical :, ser inter ace (GM) 10) for presenting information to and/or receivti).,,; from iascrs- in sonic 0 1: i #i"la:I3i zti,sFla, the iii ? 1111 4 i3i<9 fF'd:i?S.I i a request, to e .e.> > a transaction. to the ira sactto?'i card 1 `..t. the tiatisacuon care? 112 may tt,.ansnl l:

illform atto.l to the PUS ..14. The client Y.4 include" dle::. L?F!1 15 inc presenting ini+.s.lua . of, <.;s ociated. with the system 100. 'The Wit i04a includes a card reader 1.16 ,that inti rfitces Ãl- transaction card 112c. with the client 104a. The fin..-,mcial institution 1,00 may authorize the transaction based., at least. in part, on irdi' rmation Ua is#.nit"ted by the transaction card 11.2, The 1'flobi e device 110 includes a ('jUl 111 25 Re ,?le s:.`=nti.:: #i3`tdnnation associated with financial Ãransactiwis.

The o flin< sion: 102 is geneiall at least a portion of an enterprise having a physical presence (e.g., l; wilding) for operations For example, the oi..fi ?e store 102 nm sell goods and/or smices at a >3h3sical location i(: cr.,. a 1?iiei ltct :
ortai' store) directly customers. in à is example, the offli ie store N+2 buys otlf"-rwise receives 30 goods ("g" produce) from distributors (not i1lustfated) nd then may lei t--se goods ,. tit.i:? aJ in w ~.ifi:.:ta, to SE;c3ai as >_i,. of Ãl'fis S:22t.ll14 device # 11Ã. general, the Wine more i3:1e : ...:.c Q04 , t ice experiences will customer in pinviding t o 4.#l i )i' services.
For example. the }i`11in store 102 may be a c.li k-ani -iil::rtFr stor x.>_' > that a user t and reccive's good or ~t:was good or service ii sing the lait ria< and purc service at the offi:ine. Store 102. The offline stor0. 102 may provide one or more of the services associated with goods: inventory, wart 3ijFisin ,, distitlY.aioil, a sÃ1;'<.#r iil#ik More 102. may not irn-a:iediately dis i:Fb.it goods a resLdt, the o ime e ham distributors. '113e offlint store 102 may include a ;i.agli retail l tcilit4..
j _jIIC vl 1'1 ore r tail f_<aci.it.im at a Sit ttiC ( irt?graphic lociat:ion.
andic"r a 'pal iral3.iy :-f1 retail.
%ac a.itie geographically distributed. in some case-, two or more entities t'zaV

portions of the ma e legal en i1), or <affilFate. For example, the Whim iiii store 102 and .istritmti . may be departments within one enterprise. 1f, _rLmmiar , the offline :store 102 m,: j' .~ 1-,Llessl y execute fin 3.nci a;i trans actimis with the inti-bile d vii e. 1 10.

mobile device 110 comprises all electronic device operable to, interlace with th the transaction :a..d 1:12a For ex imple, the mobile devici 110 may receive and ti"23:ia` '3:tt. v'.ieless and/or contactiess colt munication with the svs ene 100. As. F :ied in this .aisciostrre, the mobile devices 110 are intended to encompass. C el ulai i;bom,,, data 15, h n s. (` tgers, 1 s#`tabl a Computer.., SIP phones, smart phones, personal data assistants (p?. < Si, digital cameras, MPS players, camcorders. one or more processors within these or other d :'ices, or any other suitable processing devices cap ale of in.1'oirnation with the transaction card 112. in so,. e 11Fii 1.F'faf iatat#.;i3. <, the e2r is .<: , ei'.ices 110 may be band on a cellular radio tech-nology, Fol. me 20 mobile device; 110 im be a PDA operable to wi elessly connect S~ it . an extra."' l or is n ti;'ert network, In another example, the mobile device I l+ may o mj:i''ise .., arii:E 10,..o that includes an input detiice, such as a keypad, touch, s;reen, mouse, o3 other device that can accept in ormation, and an output dcv c . that conveys info#:.aaatoi.associated with a. transaction with the offhine stoic 102, bwludhg digital 2.3 data, visual tniI rrn at#oni., or Cif, I 1 3 1, 031.A i , 1 comprises :a. 'D#`:lala:i Fa:l use interface operable to till}\=i tia,. i3ser of u fly. mobil device 110 to ntedlice with at least a portion of the sy'ste.,i 1 00 for any Suitable `u,.pose, such as authorizing, transactions and/or displayin ;
tE'aansan iron history, t 1\ the (37.1. III provides the particular user with an efficient and user h imully a0 pri,% f`iaamiou of data pro ided. by or ct mmunicated within the. system 1Ã1<) <and/or also an of iet n. and user=:tTieindly t. \%:ia1s for the user to set txtanag settings iii ti..
servtecs NOW by the financial in ti1.:ati.on 106. Th GUI 111 1 1 #3a. i; +'.o a:ii:tnse a Plurality of cult 1I.i <l.lal - frames or vie s having interactive fields, pu-l-dow-n lists, and/or operated by the user. The tern, graphical user interface a: y be used as til singular or in the plural to describe one or nmv graphical user Ãutert ces and each of the tats'?lays of a oaitic ila graphical user interfam The Gi/l 111 can include 's,?'.4' graphical user IFuerfac , such as a generic X b browser or touch screen, that processes ii3iS2a3 > t.tm.t in the system 100 and, Present", the results to the user.

lie transaction card 112 can inAad any so tware, hardware, and/or firmware i o wsu ed to 4 Ãrelessliy execute transactions with the POS device 1 .::'fa example, the 3a,:nsac;ion card 112 may execute a conta.ctiess transaction with the (,')S device 11-4 independent ofthe mobile device 110a. In other word,,, tl-ae:.ransaetaoti card 112 may ` elessly execute transactions without aspects 01 the transaction being `
ccawd by the is ot?i.le device 110.. The transaction card 112 may execute transactions with the' '.~`!.a.A 34ta), P OS device 14 using short range signals ta.cl" f as NFC (mg, ., ISO . 8,192 1..( Ã O 14443 type A/ .151.) 1.56 ?3, Felica, MiI"ARE, .Bluctooth, _ ltFa-wÃdeb<aad (UWB), Radio `'?"tt`taÃ2i.' Identalier(RFID), }21ta tiC:.~:aa3tlfii proxi.11uut4 r a2n i.bnut 3 other ;s si_nala .omptuble. with retail payment lienninal PFUS 1;4. In some ~
Ãbi.. ?:t.,n t tion " the transaction card 11s! may include one or more e ipso ,s' th;
aft ut. an, operating s 'step and security processes to 1:nd penden :y execute the In doing Y St), the alaC.x3 ;>IlI. device 110 does i not require a;.1i:1Fdt>i az i hca,.v transaction. 1F'ti'>:aa'c;
SE?itZ. ,,. and" 'or f: Ã1"a i are to ' irelesslx execution a transaction with the VS 114 > ch :c'.o a Nb transaction. In sonic implementations, the transaction card 112 nii--t %

x %titite one or more of the following; isirelessly receive a request f in the PUS
device 11' to execute a tf"ial oaf t`a(?aY c7T?ii/or and provide a response;
translate between wu kss protocols and protocols compatible with the tics ?~<:i'.;ion card 112;
translate 3?t;tS.een .ranaaaLt?'on-card protocols and protocols compatible ,vita device 110;

25 present ,:F.+= receive l l.t.?"i2atloil L'. g., PIN at slate t, PIN) from tile us ' through the t,t?1 111, decrypt and. encrypt in-tonna'tlo.1i iwi"elessly transmitted between the t anstiction cud 112 and the PUS 114; execute applications 'locally stored in the t.f ansaa do card 112; selectively switch the ante-111a of the transaction card 112 on and off ka ,siA. at toast on one or more c gents; execute authentication processes based. at lets, in 30 po t, on .inilormat.Ão teceiv 4'd, for example, through the GUI 1 a 3;
transmit a. host F.aFtl ati>?' to PUS 114 in response to at least a transaction challenge; st+.
re, at least in pa m. d/...ail . of the transaction executed between place b we.< > the card 112, and the P OS device. 114; generate land/or present alerts (e.g., g%3t:.elit? 'i F..f.aall alerts) to the user ( . ; 1.31_i? U1; L; i1C 'ilte :i12C1<'i5i ti'ats.i231t: wit=1C ss titi:5 ut; : Am to we ti#'F<3:FiC:#.af iitatii."aion I Oi) using the mobile device 1.10 if cellular capable, andi"o others, In s"on-w i t)1c'.3'.iC..te.t:c?li`, the t :ttl..<aCtion card 112 may include a i< 1T-F?I31tiTF: ai F<)::i Fodu with ot a pr ttoc_ l translation mmmo)Cti:iie,, aiteiml tuning circuit, Power circuit a#1f.i a miniature Mum t ";,ed to s-.?change wireless data with .a retail à nninal f 9 In some ..npit me:-itati?ns, the transaction card 112 tt)a '' initiate a transaction in response t o at feast a user selecting a graphical element in the GUI 1 1 . IN
transacts .. card 112 ina initiate a. transaction witftl the 1'0,S 114 in response to at least cilia .it. transmitted by the POS 114. iii 1CFf1"S'. 1;31}3f4i'P'itatli:
ns. tta: transaction 1o cud 1i,"' n u ` #:, . ieameli;iSv:It.:, ( i#1~~'#1lf ~. +;tt Z.E%Fn f,Ein C)IF <iFC :? ~.i:tiv ~ ) i~<= ~
: the one or more events. The one or more events may include a user req it t; <<i"
pletni)Fn of tlansacti: n:, insertion of tard 112 in a different i-noà ile device, location ci nge; tIiA e events, detection of incorr ct PIN entered by the user, chant e of wireless i..,twork that th et, ice is connected to, message received from the .n ncial instit?t.tii'ia 106 using wireless : nlnn'mication methods such as SAS, and/or other events, For exampiq the t#?.,>~actiC n card 112 may receive one 01' mor"'e C011,11"iantds to switch the antenna off {;iii 2# cell.la inet1Y'ork ti?.E illustrated) through the mobile device 110.
In sonic #i)~ple xentatx;F"c:, the transaction card 112 may request user identification such as a a user :D and password biometric signature, ..n o oche. .

regards to tran's'lating between protocols, the t ansaction card a `. timay t?roc i inloi'i'itifion ii_ ff>i' example, ?SO 7816, a standard : security protocol, and/or oti:iers. ' ; .t1is. > <ise, the transaction card 112 may tritisl-rte he;y o i an I "1F protocol (e _3 ISO .18092) and the toansact.io?l-card protoc'ol, In some ISO

8116 eo.tm:nands ina be encapsulated within interface commands used to transmit data 25 between the boat device 114 and We card 11 . In addition, ,tic` 'iii sacti.C)i) Laid 112.
may ;nterGcc the mob le device 110 through physical interface such as Mci'C)SD, M ,..xi S SD, il2croMN40 USE J ,"urnt,.``'f , n55::if USB finewii'f, Apple Dock, and//or onset's. In regard to sec: ty processes, E1e transaction card :12 may Eement one or 11 ore encryption ilgori.thms to .secure ii<t)?sa t:<f is :a3form:F?ation such as emrd .nutnher (t credit Card number debit-card n i;i:.,..er bank account i2ti~i a f i?. 11.1,N, ands/or other security related information The scc.,,u"t! ;elated fit_or. uta o in ay ri3i:litif an e x1'Yiry date, card pct.:ÃIGCit.<? )eft ;
user ,:tme. home phonic ,1 >i.r zip code and/or other user information associated , -' tti verifying.

an itle iti}S o tc.1i. cud holder. In some Fii1plei entation.s, the t?c3:#3~F
t:Ã}t,,?# .::#?'z> 1 E 2 may execute fmiv it. key isymi3'#t.'Pic algoiit:lliil:>, such as DES, f 1)I:;
nd.,=o t`d.wr1 o i? i?t.. < cl5~t?E. f:#} lgori Tills) such as RSA, v: 1 ? ?} :ourves, and/`t others In :}>_t..tlt?i3. the transaction s <}r+: 112 may include z3Yt }3"F+i3 c'.c t' ztS-t3, t`Y.Pt"Ã f_1t ? for sto?'1#3g user data, apl:sheatmns, ofhifae Wehpages, arid/or other information. In regards, to <?2) pc,.ir,xii:?i?s, the t1'msaction .ai'd 11' may execute a ic:ttlli 'ton,.d applic atiol, and pros nt to and received information from tile user through the Ã3UI I t 1.
For the t1' i1.}as. ct1on and 112 may execute an i}pp1} i3lion used to ; 3.i4 iir(?IIAIE>
an acc :.# balance with the financial institution 106 :3JI?.Eli; t is ~:tF, 1 1 .E and t' he mobile d vic,' .110. Alts_rnat y or in addition to appliiatioas, the transaction Card 112 may pmt ; BRAl ; `et> pages to the user 05mg the OUl. I I1. 1n. response to :;3i#at:ing, a tr<3ns ,'.:.} o i.., the transaction card 112 may automatically t3? Se i? an offllirw Web page.
Ounugh the GUI 1 1 1 In some implemenlt }tions, the Offlinte 'A+5.`,.h page can be associated =S'3tli :a Ãc.tl institution 1i_?`?. In some i iplwanntations, the ##.}itsa t F?F1 and 112 c {n bt: tS+:;,_.t3 and compatible and (3per}ie as a it ass storage device. I- or if t e.
t?v irC ie s S i te-1'1.ac = of the transaction card 112 is not Nail<e1~ s' or deactivated, Chic ~,#2i'i.l 1,12 may operate as a mass storage device se3c}_ .ei3e, .a\.: F'S to access 1<}ta stoF in the memory component (s: g, Flash), In some i?'iii?4 da c t }t?t?3'ES., the try... sactio.ia card 1 1 2 an execute a set of initialization. commands in response to at least 2;. i isLr....+_ ri into the mobile device 110. These initialization commamis may include i_t>_,<??:i3:?>.ii t3.g device related :intbrrnation for the mobile devic 1,00 (e.g . phone 3'umbe:, sli tiit3, r , L:Snn .:;c tl network mior nation, location i?fo niat}on and other availab e A~F pertFi ),. deter:rilining is r relating information ('.gr, PIN code..
acF:, :'<l.tls a a. ~t1.?.f, 3i3creni i't`atg eoimtters. Setting flags and ti tx~%#}Fill S dea t, '~lt:il'1 tuF:nction accord?n,: to as .?xe. i Zisti `,, }ells and/o#' #3.13}6??i11?335. In some ii?1plementatioas. the transaction card.
1 1 substantially maintains attributes of the mobile device 110, s 3ch as dimensio:t1x accessibility to peripherals as provided by the device, ch.a gmn~g. bate y l}
e, signal fit t > ;',t11, ..:~ :f s to .li\pla and all oto.cr input device, to ',he wirejess flf, rt fi3} : f`}v c lpability to a PC if any and/or any other li a:ture".
pros n1ed Aii=il`+':`?:?

ii by the device, The added functionality may not conip?'olnise. a the device p r.!i n -in -e in any mine?: thereby pim? ; Ai its certification by regulatory sLw.h as FCC a.lit t>< nuel. of the device (C'..y., 1'4F1.#'}':mtj%), -such as an at tFiut# n.

1 i -sol 1 .ili ? t .il nt ations, the transaction. care[ 112 may automatically e xecuit o z?ii tl' ;: ..arid ciwol processes. For example, the 'card 112 11--lay lilct'#t fy an Operational change and automatically transmit a n stt:+t.ation to We financial i#is.It .;'.:;`. nase .. at least in part, on the 1demilied change. 'The transaction card Ã.

m1~ t':`ecuts two fraud control 1?i'OCcsSCS (1) determine a \'#oia.tion a one or atom rules., ait (2) automatically execute one 01, more actions in response t ? at 'i.15tt the :'lt>13tiou. In. regards to rules, the tninsaction card 1. 2 may It?taut?>
stole' rules is associn,te~--[ with updates to operational - asp ,,:,.'.-As ? he transac ion c :i#"+ i 2. For \<ltl.l. >':;, the transaction card 112 may store a rule indicating a change in mobile host 3;1 t1 v..S i ,) is an operational violation. In. some F#:tlÃ)EG?33t:Tii tt3t~
s, the .,anise;,-don card 112 #,iax store. rules ,)as d, at least InI part, 0li updates to on e o2 nIore o 1", the frill ow'IF:Ã?:
phony' ui ther of host device 110: WC address 01 host device 110; network w3rel ssiy connected to host device 110; location at host &Vicf ail o: other aspects.
In t ~ to one or r more 1rU > . g r .L=~1?::Fx`~t; to .. events T_illtF..d:il~i~, or otherwise 3`i<?Scl:lii~,g nits, the is transactio ward 112 ma ` execut : one or more process'-'s to substantially prevent or otherwise. notify the financial institutions *106 of potentiall trCtC.~:AEen acti i-ty. Or e,v, il?l't le, the transaction card 112 nifly execute a ci?niniand to, block an ~i.ssoci fed user as:count and/or the transaction card 112. Alierriativety of in addition, the transaction card 112 -nay transmit a c f#'t ni<and to the Imanea.1 IFlitlti.iÃiofn 1"(),6 to coil the mobile 0 host ':1e'' tce i10, In some iinplenienta ions, the transaction card 1t mw y execute is command i.sett, at least in part, on an event type. In some `,xa3_mpics, the transaction cad 112 tin initiate a call with the financial institution 10$ : in response to a least a cE l tg it, number of the host device 110. In some examples, the transaction card 1112 tna re-e.xeeut .ti ac=tlvai#on process in response to -at least e: ,poci led event `:ype. An a;s Process may Include activating the t.r ilnsactit?n card and or financial account at', disotis.cd itx more detail with =respect to à KA)RE 9. It, some implementations, the transaction ,-,and 112 #2 ay execute a command to disconnect the (31"'1 1 } 1 f oia? the #ailtsac :F3. card 112. The transaction card 112 may present ,, dicoimccfio no ?ic atio= ? through the. GUI. All prior to executing the eoI? viand. In some.
J 1 t.ii113t3iment ii:F ?31s, the transaction o d 112 may transmit a a't?fli2F
and to the financial ? lit 10t, ~i to eaot#4%i.itf. ` an t34,i`=i#Il et?Stt..iilt~'t~ ~'villl the , t:tS'+., '32 #.i3 `~..tti#..x...x . < iat.aL 1::..

1.? sonic }npiellmenÃations. the POS 114 may tmansnmit a transaction z'egtlest t `l':
to be transaction card 1 12 tit?:. information to generate an aut>:is; l i ea .i+ #i Ft=i. i. t: st 1 i x. In 1' v st>..? .i' to at least the tran]i?t'fi_)il i'Ggquest; tile:
f='iÃiisaotion c 3.'C? Ã 1.2 ma ` transmit one oa i? orti .::.sact?L?? responses .119 .identifying 31?.f ?nna:'t? ii.
associated with a payment account.ome mplemeint 3tions, the 110,14 device 114, may trans??: 3.t a reques . 1 to authorize a transaction to the financial institution 106. The i>ilhrr nation i7.ta i Ai:;. hide an account number. a , ansaction amount, user E: i<
S.1entials., anti or other In r s1'+onse to at least the transaction request 11Y. the tlaianaial. 1.,?:f ti,.Ãlioi3 06 :.,:y z,,:Eily3i?i't an authorization respC3ns 1.20 to the P OS device IN, In some i3;?1`it.' t?t i}lc:tto .S, the x0215 device 114 may #:['i urnit the r spons 120 to the transaction card 111 The 'transaction response 120 may include, for G*õt"il?lt.`., a receipt presentable to the user through the GUI lI1a. in some zli?1?.lei?E .?Rations., the financial instituti `n .06 fulfil transmit the iiithorizat.ri1 response 120 to the mobile device through. c<.13udkir core network Ã,rc FIGURE 2). In this ?i7i?1C mentatit3i.:
the 1?na cial li. tita:tti?::. 106 may have stored the association between the i kobile device H.0 and à e card 112 during the user sightÃp process, a utt3tliatically upoa user, fa activation oftho coral 112 wlhen for example, the card 112 is innitiail\' inser't'ed into the mobile device 1 1(). and/or od.1c.r event, 1 the illustrated irnE ?le:a?le.
ntatm na, t e PUS 1 14 include the GUI 11:9, he OUT 109 core rises a graphical nor interface opeiri bie to allow the use, of the .l OS 14 to Interlace with at least a Portion of the sy..te 10il or any eta table pu=.pOse, such as a user entering transaction inio3'13?itil?:i? Q P:IN, t: tt saction ac .~ tai a3 . ? arid. or and Breese nting transaction Fnlormnativi t ansa tior i12?l?Y33?'.}.
3e$ ally, the GUI 109 provides the particular User with an efficient and usei fh ndlV
l?? .si i?t?alts.?. of data. l rovtded by or communicated within the system 1t:0 ant.f r also ;ia s..t3< At and as i:i lt,endiy nic ans for the User to initiate a i4`i.a'i lessl~` t.ansae_t.iu 1 2 with the t ansactiori:card 112. flare GUI 109 allay present a series of or .
dspfays to the nor for example, accept a trai?saction and enter secu it iilt3,i ?ration such as In sonic implenlo tations, the transaction card. 112 can be implemented tiff forma ``r'ile transaction card 112 may be implemented ati a Key1 OB end remains :?t; li4 ? Ã:.`idc the mobile device 110 as a FOR In this case, transaction care 112 ma b. a assive and powe ell from an induction z3 a';ti<:.a field gcm- ated by the P05 114. transaction card 112 may be i ? ?lemented in the form of an industrial inn iaaed circuit chip 1'.o2 mounting on a PCB or IC chip, In sonic the card 112 may be implentwni:ed in the m of a self +:E?mane desktop =i it powered by external AC adapter or stand alone. box. In, some.

Ei'Aa1?Es:ifiC,lt.satiC3aaS the tF i#1Sactio Fa card 112 can be i ipler en<ted as an external iIt . .to c: far{:)"#Fz4 device 110 ZE'.f caw) and CC#Em . c<? to 1 inolbik, i4s'.i E :t using ;a sL ,p aL., d 111Ãf.r.<lce Such as i.?::B, :eriz: port, Ãh ill)oc apple pyoprietaq, 0 her i1t<'#'iace.

in, so-nn `rupaà i ent i$ tins, the transaction card 112 may operate in accordance with one or more of the Allowing modes: active card .:mulation; act reader s ll train: killed: #ili`ii1a:>~ y: inactive; andior other modes. The transaction card t 1:' may `t3 3p, Eaat. ..~ #ti~. i,si#.: s`=ia3tii:<t#<)i? mode to convert the mobile device 11.1 to a contact<ties5 payment devtc loaded with a financial vehicle (1'V.) flat may be, for example, 'a credit :a.. ?.:i ca3.i't , a giAt card and/or other retail payment pr'oduct. ht this, mode, the transaction e d 11' may that pa %ment transactions at any capable retail payment terminal POS 114) that accepts coaatat tiers payment For exaolplee.
is sucb, rminais may be ontactiess-enabled terminals cu -rea3 ay being .i? pl Zyeo by F3-iv, iants z,&- MasterCard's paypass, Visa's pay" ave progra oms, Amex 1 rc;;'Way, Zip, and./or other p iyF2?CIFt programs , After the ani+. nna o; the t.
ansactio ~ detect ,card i is activated in this mo de, a m ,rchaf i. terminal i.'m dthe presence o a i;i t evi co with the transaction card 1 E 2 and prompt the user to aa.a$.i orE,.e a transaction 20 s ch as by entering a PIN, sign-ing, on a terminal interlace. t 1ii11F'ialiiF3 the amount of the ,i<?:<?sa=tion, iaiaf3=t}a o'ther action. In this mode suc; t :i#<~,Ei.f#f?Ia:% ?A<3} ifi' handled as l.S the .P0` Perceive the otrd--Prosent t'ansact.ion. In other wo d 1.1 2 EFS Ea. ta=C;:ii ia.ctIess 1.?1Fast is pa~'F1F..?i:tt :Ear and piaa ' co.,i uniciate W hi the trans action card 112 as a conta tiers plastic payment card to execute payment is .,i' EifF'E1 25 In t3it t'.1 1~S Lvi3e3? the card 1: ~ operates in an, a .,+; ,1i'?tlG#1tE3t#i. ..

ii#i`df'.< the POS :111 can 1Z`Ii'i1t;'<s.;' Ã:oxa1#.Faiai?,wiit: with 1#'< E.
e,.3E+3,t,.#?? i:ia.i':1.
112 using We same signals used to communicate with a c ntac .iess ?Far is payment card. ..is active-card emulation mode, the transaction Card 112. emulates F
cons<L tl. s ;`tarot pas-ii ent card and may be backward cotrIpatible :i ith the POS 11?
c i` In ,1i.J i11.1~'ineuta:t on, neitiiÃa:i the terminal nor the t#faaaÃt'ial inst:iti#t,)F1 may require additio :t so t:ware to execute the irn.liaOt on. In addition, the transaction car 112 in this mode may be used tb other i31?i?1ications 5?l ii as physical access control E::o open.
gales either in a corporate environment or in a l ansit environments logical access coniroz ' o request nel-work acle i$ Via a i>C), application access cf-'sritrol ('to buy o titles such as transportation, movies or wherever aynrent need,', to be made to gam access to a facility), and /or other applications.

t e active-- e.aiei mode, t e transaction card 1-112. may convert tile. mobile device > f) to <3.. device capable of receiving data when in range of a r :as ....tt:f.$ te1., u n i1 ;c g, .1'Z. S 11+j. In sort implei23entations.
this mode can require hardware ?'iil'f Li: de mode Get ~<:I:?a f the # i ` f ' ` .
i x~ al N \,: with, 1 >' as part .,." c,,.a,.. foii card In ar e ent. that the mobile device 110 is 'i3roxif1'.at (mg, 10 on or W o a tr 1is1i?.Bating 31, 11, 11).c. reader mode of E3:) ~-ransac tion card 12 i i'<3 =' is~i -tee and pmalpt tile ,o-m:.

uses- o to receive data through the ( A . " 1 i 11. is .ia'fode may only> bie, siiitabae= r, i mobile device-, 1! 0 with a I1. element, such as an OK 3t tt:
n and a sci'eei an AD to indicate that data reception is being requested. and,, # of .ler inw-ftwtS. Once the user authorizes the tran5i??iss3t?I?,, the t ansactiC?i. card 112 in this fi.it, de may receive., and locally st tie,. process and may execute a ira lsactton and/or for?=5 wA
ruceNed data to another en it ". For example, the transaction card 112 in this mode. may receive content through promotional posters. validating the purchase of a tjcket, a d,"'or other .
F.. i exai? ole, the transaction card 112 in his mock may function as a mobile ter.nai ia.l receiving transaction information horn a plastic coi\taetle s and instucf?n,,. 3 e POS '14 to prepare a transact? ?n authorization request for the fnaf.cial 20 institution 1õ t? through a cell"ilat' core network. Once the financial institution 106 F??t~if ^=, es . ;: tza,dsaction, the mobile d vice 110 may display the conti,f,?%tf on of he ii'an e .:``.. to the t:1 er t.1 oug,'" the (IDI 111, regards to the scl--train in ode, the transaction card i i ._. ma!' execute a version the reader mode. In some ?nrplementFaEFons. the self-train irlode f an be.
25 ii..ilxit by it p,. ii?.1 c2e,E3i33' ?. : i.} needle point Pre-Ns to <3 small ,F'itJti; cfiti'' of all pass word via the GUT 1 I i). In response to at least acts :atirig. this anode,, til transaction card", 112 may be configured to receive pe.;sonalization data eft., [hr example, the shot r..'an A ireless interfa; ec Win another peer tran action card such as this. contactless cards compliant with this functionality la"id", issued by the ?ii f nancia, õa;ititfeiff sil 106 or a specially prepared adi ?rim tratmve card for this purpose.
ijt?;,it:3.1.'>ttion data receivoC: in tia? mode may include eficr',,p cd I V
:moIfrialno.n that is stored in sect red i'?e?ill?I'~'` of the transaction card 112, In soiii.
the at\.a,.<ai.i~:.d tiff 132 in this mC?ilf`. may receive the P'V
ZF.:ivFi'F.ciE?oa t'fi'f?f0.),:E3 et?i?C<`et':;. :..serfece of a ?i'akasni tte; and/or others. The ti -section Card H2 may then :..C'. ?v`, information that corresponds to the user ss_E aE:=C: ta._t.: and personalize an ti? " t internal i??fiYkfle tll.tit i.i3t=lilties, i{iF' w aFik31? ?tiy3fiei:it pplicatio.`.S ?3' Zrallsactions with financial institutions 106 and associated use-, credentials.
The, >i la ' aliF:E mode ?nay' be used to re-personalize the i ansaetion card 1112 in the field.
in sei ikTi 3leiki i?nations, all previous data can be deleted if the self train triode is acti tiled. The ;"self-train al ode may be a peer-to-pe :r per son'fa hzation mode ZS hE_ re the care i 1 way receive personalization information from another transaction card H, 2.
This ?.?od e :?:ray represent an additional personalization m ode as wrnpared with 0 1aciory,, store and/or Over-1"be.-Air (MA) personal hza.tion scenarios.
which may be server to cheat nersoi?al nation scenarios, 11"1. sonic #I?'E1.s1`F?:a,:?t<?`t:i A:; the seit trainn mode' i?.Flt' be .?ee'i'-to-pee:[ personalization mode: here the transaction card 11.2 r"eoei es pe'sorlalization information from another transaction card.. Since t o si'c?i3s.. i,is 3~ cards 112 are used in this mode, ',,his node may be different from ewer o .1:3:'nt t ersoi?silk>.iitie>i3 sC enar ? as 1X Etli .i tactoi ~', st.i?re, ,i.f: l t. 1 4 ?ersoTialization i, regards to the inactive mode, the transaction c irit 112 inn tempo a nl v daota/-aF,t the cont., tress interface. In .Fine ?r?Tl31erF"r'MritatioF"fs the In.ode can be a+;, through the physical interface with the mobile device 110 such as a F:knc?o% OWN= In response to at least the activation of tho inactiv E?.node., the ? transaction card 112 may ten iporarily behave as only a iF"ia s FIIeT? or ?'~, in son- it, ?1i st'f:Fle tats `n th card 112 may also enter this state when the reset needle point is pressed. In this mode, the transaction a%,ard. 112 may pr sse: ve loci ly .'t:?k'e<l info mation ?n ;iuding financial user data, in this mode, to transaction card 112 nmy e. t,l ..rte ~?; cti at:ion process and if successful, may re ?: rn to the active mode, t.:,<1t nse 1' fir.Fncnil m`ti.tutioi?s 106 may use this mode to temporarily pre; en um e in to atleas identifying at least potentially fraudulent activity.

In regards to the killed r ode, the transaction card 112 may pt`-. anently deacli, -a,e the ceutaetless inteAlaaee:. 131 son?c in'iplef.nentations, the kith d node i5 attars ,,.e through the physical interfiiee with the mobile device 110 s F3 h as a niicroSD

;i ? into?t :e. In rest?`ixse to at least the as tivat;on of the killed mode`., the transaction card 2 may perm_ neiltly behaves a mass memory stick. In the e %ent that the reset Ffii ?eE fkf n <atifti.: Fi`..3:, ; ' ?'ki ~..i... t!i...: is i) ess i ,the na3.ctioi? :ard ;1:.T may, in some made to enter any other modes. in addition, the transaction ca.-,,- d 112 may Mow t:in<?x?,>a.'l in memory in response to at least this mode being activated, in iF FY e Ei1ii3Ã`iitions i'06 may use à is awi-le to delete data from a ti'ii?i"..:6..?3 card 112 that is physically ' lost but ,till connected to i :ire. wireless network ;7.;..
v-i;a "'lost dcvico .1 W, in <, tit?rds to the memory mode, the transaction card 112 ma :' o'peraie as a n ass i#i in ~r r` stick such that the #.iiiiiE.,.y fit..? is accessible through ethods. In v C(zti'kLe'fli?t. ai:3 ii a.
the transaction card 112 ni.aya.utoniatically activate this'. mode it, a`C apoi se to at least being removed from. the host devtc,~, inserted into a norl-al d o ; host device, author other events. The trans fiction card 1 12 may be o switched to acts 'c mode .from the nwrno y nio 1e by, flo example, inserting the card 1 2 i.tai? an i'f_1t ofÃ.. E~ device or may be switched i7"C>y'i3 this mode into the ...1A 1F'<ii i mode to ? . t?e' ss#1,d:`ze the device R 'r a new 1?.os device or new user account. t:
smme ii`_pleiiientat:iirns, t1'.ie memory mode #iav operate substantially same as the Wake ?'.if de.

n so me impiemeimtatFom the transaction. c n.1 . 112 ma!' be no.-such so.i`>>.atrae 1 31<2teci as usin software device management process and/or a hair L~ il.i' s. e Ã. For example, the user may v amt to re-pers nrt}izE. the transaction card 1.:2 to change host devices, to have multiple host Edevices, and/or other in ccirds to .he software device niinaginnent, the user may reed t.. cradle the new host device. Wit;`, the transaction card 112 inserted to 1...i.ncd: tth sÃ., ~~:ids device ? ? ?#ii~;e ire+i :t application, In some .im elementÃi:ioils. the application can be an application directly installed on be client 10X
i.megrawd as a p.lu in to a `formal synchronization application such as Activ '.Sync, a`.
ailable via a e bro-wsor . A , :in r inninig on the a -in providers websii'e, tnEl o i dih'r sours fits, TV
25 use May E)< into the application and S eril their identity, and in response to the a iplicat:ion may allow access to a devices section it the device, 3a'r ii` kern, . t application. The device diianageia'ie:nt a.pp1Foat:io#i nnwy road the tr nsa ttoi, crud 112 and display O MAC addresses, signatures of the devices that he has tnsE:iced Its pli3.g-in to, andUor other device specific io1.brniat:io .
The mobile as device be Inaiked as active and the host device may be shown as disallowed or ,Yt,.;i,tive x # ~ à nl c<i13E?ia 7 -izi enable the user to update E.13E, status of he new host device, and in response to at least the selection, the device application :i.i ins;.:i the aià a :+it?a+ cthe new host device and marl- update status as 14 ..

aflo `able in secure inei`ii ry. of the transaction card 111 The user :: ay be able to also update the status of h n-.wbile device 110 to disallowed, Otherwise, both ..vices may he acuv .. the transaction card f 12 may be Switched bets en the two device-s' In, :ie.c?Eds t the hardware reset process, the use may a so the reset ne llf point pros-'. oil-11-10. ph' t.j ca. ,,.3:+.l..iioi1 card 112 ~.v activate the self-Ei'tlitz F.F"koC3e, In this mode, the ' 12 13.t_.. data way be deleted and ham to he i'<:1^iicle . When t11 .:
`i#'<i?~,<iL. i ?1:i card is inserted into the new host device, the provisioning process may be-gin a',' discussecl abow P05 H4 can iial+:de any software., hardware, <? or firmware that Iii receives 110m the transaction card 112 account information for execu tine a tEansaot?.f?E?.
wit'll one o more financial institutions 106. For example, the PON 114 may he an ele tto.;x :"a.sh register capable of wirelessly c n'11:inun:icatincg t ansaction 6; F.#'?t?ation:
with the transaction card 112a. The POS 114 may communicate transaction.
#1l associated with traditional contact payment niethodls such a.s plastic cards it and checks. If enabled for ~'#_E'C'iess'eont.E~.tlf s payment t:Aansalct ons, the P05 114.
may .can nunicaic, information "43 ith the transaction card 112 in one or inore the followi g t.brE ats: 144Ã$> ` ype A/:13, Felica, MiFare, ISO 18092, ISO .. fit 93 a. &wr others, The transaction information may inchide v'eil>cauon fi:Eft'f?'F>.ttft3#.i check ?:lYai Jf`=.',', >outine nullber. L c(sunt number. `transaction animount, t rim, drive>` Iice, s 2.r rrierchant paral eters. c.re dt'eard -number. debit -card number, 1?<:<? siMltc#i-CiT'C ,F2eC1,Csi' other information. In [7F21f #.i?i #ls=mentatons the ti<?1?sai> tion may be encrypted. In illustrated. i ]plorient.a:tion, the P05 114 can wir lcssl recede encrypted Iran <iC ,ion i#:iif'3r i'F anon from the 112 and leet:Eo:nkanv se3i be F?:nfonnation to one or more o the ¾1ian ial inst.tuunris 106 fw, cti34 i4tiC#?i 25 For example, the 130 114 may receive an indication that a .`:mouil has been accepted or declined IN the deatified account and/or roq,'eSt z:f>tf fri?n?i:.d in information froyn the card 112, As used in this disclosure, the client 104 are intended to e ampass a pusmmi, C?>i,113t3.te touch screen terminal, workstation, network computer. 3 desktop, kiosk, a wireless data nod, smart pho e. ICI?A, one or more processors within these or other dews, or any other suitable processing or electronic device used f:si viewing tiaii5. tl.iri? anon associated with tl? transaction card 1 112. exanip"e, the client 104 n my be a. PDA operable to wiretessly x n nect With an external or unsecured network, In .mother exai rple, the client 104 may comprise a laptop that includes an input dQ . ce, such as a keypad, touch Scree?I, lousel or other device that can accept #:i11 >I t1<l?#i`.`. , and an output device that conveys F?ACinnaEio i associated With t:ta?iS >('=Ã? ... c.Yt.Oute.Cl 1. itl, till financial institutions 10Ã3, including digitai data, visual `? i#1ti F1'i3:i?i r#'? t' GUI 1 it in some .impieme:;t itn )ns, the . lient 104b call i? it les l i' communicate with the t a.. xsaction Card 112i? 1.I in ?, 1c-,r example, an NFC
Ã3F'i?ft`::i;~. In solml.:.?#:?? the client 104a includes a card reader 116 having a physical rote tõC for Communicating With the transaction car 12G:, 11.1 some i 3;?zCiTIE%?iÃ:atiod? .
the card reader 116 may at least include an adapter 116b that adapts the intei < cc t=
I supported by the clen 104 (e.g. . USB, F,iewi?'c, 131uetoot11, WIF) to the physic into t ec supported by the card. 112 (' g.-, SD i FC), In this case, '.tlC:
cienÃ" 104a. H"ill y not, nclu `e i transceiver for wireless 001111mmuni.:atio n.

The (11.11 115 comprises a graphical user interface operable to allow to user of the client 204 to inti thce with at least a portion of the system I 1e'r any citable I'S. purpos '., such as viewing, transaction. ?nfonnat?oi?> Generally: the (GUl 1 5 Provides the particular user' .with an efficient and user--.Ãriendly presentation of data pi ~ videcl by or within the system iLIF?: The UL1i 115 may comprise a 1:it:a lEy of ai#1 ~?. .st.EÃ C3#:i.?
c?.iskinizable frames or view,, having interactive fields, p ill-dowrt lists, Id by the user. The germ graphical user interthoe may be used in the singular oi' 20 ui the ph all to describe one or more gTaphica use inter aces and each of the displays ;3'1 =`I particiEla gi li;1l#s a.l it r Fln#i Y.si4. The G -1 115 c n ,*.tc;ude any ?#"1111ical "isez as a generic web browser or touch screen, that processes the 100 and presents the results to the user. llnd financial institutiom-; 106 can ni c e pt ;:ita lxoin to client 104 using, for example, the web biu s e:r (c.., . Microsoft i '.t.~. S 2 i I I
25 11".?t.:i:iteÃ: a.:? ...ors or .'iozilia i .. efox) and return the appropriate resl3ouses r of XNliL to the tiruwser CasE#'Ff_: the network 108. In some i:i11131t=#?l:`F
Ea't#. 2i2 the (IL'l .ci#'Fsa.i;Ã#?il card 112o; may be presented t.1lS<?EF.Mt-i the Gi.:l 11 A
of the f,#f,:.iE
_ of the r 11`.
in, thes ' s.,?a31i;Y1ientaÃ".:i .'s?IS, the GUI 115a amy retrieve user credentials horn the I0 ..?.

,i i.. E 1 1 1 c and populate financial fora-is presented in the e31.11 1-5,a.
i or exa yrple, Ãhe so GUI 115a may present a it?imlil:i to the user for entering credit tare ?Ãoniiation to purchase i ;',Clod tnrougll the Internet, and the GUI 115a may populate ttc form -sin`, the 1 Jk `,1c #.F1 to at least a request: fFY?in the user.

t`..m..ai.i i, institutions 1 .0; a c can include any 'nterpriso that .lay authorize tt'<af.5:i ., received through, the .network 108. For ex triple, fl l;:. fine nciiz institution ?3t a niaay f a credit card provider that determines Whether to authorize transaction based, at l ai t iii. part, on raloi1Y1ati: ;i3 received through the network 1106. a1F~<a#.iti:.: 106 aaaL' be f credit cad provider,h a rank al F a\'o zatio Z #.SA

re ail merchant (c ?' . Target! a prepaid. gill card provider, an Interact bank, Farul/i r Oth s. hi general, the fin; ?kci<al institution 106 u lay execute one or more o the folly s ;ti tng: receive a request to authorize a Ãf'EF'f:?action; idea i#:`y' an account number zn"dl 'h - transaction (t . y PINidentify funds and/or a credit WE associated i 'sti'it.l the identified account; determine whether al=ie tram recut-,t the `wands creditI:imit sand/or Violates any other rules associated "' idl Ãlfs;
ac count;
t.i':itisf,xit en indic;aa.tion whethie.r the transaction has been accepted or declined; ri(Vor other processes. In regards to banking, the financial institution 1 $ m ~=' identify an account niwn ber bank, account, debit -card numb a) and associated verification illfi>.i,.a.ii.z =3'i (e. PIN, zip code) annd determine. fund's available to th ...:c.sa..z". holder, Based, at least in part, on the .tde ntifaed fi:tiads, the financial institution i0t> irm :'' either acct-pt or rejeQt the requested transaction or request additional is 1rmation.
As for en y a?,..; `, the .il .<anci if :ins iutionn 106 may use a public key of 3 : ithm such as RSA
or ell pt:i cu x s F.fnd/or pri 'a.Fe key algorithms such as f BS to encrypt and decrypt d atia.

Ni Fork 108 facilitates ,Lirelc ss or wired communication between Ãhh financial in ,%1w ions and, any other local or remote computer, such is clients 104 and to PUS
dev cc. f .. 44. Network 108 n my be all or a portion of an enterprise or secured network.
Mile l ustrateed as single network, f etwo lc 108 may be a ?E1tialuou network 25 loci allx divided into various Sdit? i3ct,: or virtual networks without depaitiili, {solar the scope of tIus disclosure, so long as at feast it Portion of network '108 may fiw-,ililat4~%
col"un'rulications of transaction information between the financial insÃuutions 100, the clients 101 and the ot'.tli_i1e store 102. In some network 48 :encompasses any internal or external network, networks. s.ib-net ;%ork e) ' ;:;i2Ft"=li) iÃio a v`i ere op rat le to a3il itate c r munnic aÃ_ioils between Various computing 't?fF"E f~?i3wnts in, sxstens .100. Network 108 mmy c.otnrntill icate for e`=.al1mple' Internet F' o"tocol (IP) pac ea. s, Frame Relay rrames, Asynchronous Transfer Mode (ATM cell wick, video' d;11. and other suitable FiafoiniaÃ1o.i) between network addresses. Ncl-,, orf 30$

m i- :23 kale one or more loci l area networks (TAWI, radio networkN (RAM'.), r ,~ all or . a w fio atfL <}iLe`.E IIE't\=4s rFi::? (l'~'1r1,`~a4), wide area F74'E2h-<? (~~,; ~N
F. :?li l.v;'t??? of i.lx to i. ~S. x3... e t.t:3ork known as the Internet, and/or any other conmnunicaNorl system or systems at one or more locatdons.

FI .", 2 is ;f block diac1`ain illustrating an example Ãra :sacta n s; stem i'Z?# ib ,.f Oless #?':1'faF3:#?1 at4I3g transactions in oY'#l'#i?.tin US#]f _ cellular radio tei: EIE3<33+t F'.

For example, the Sj'StvFY'? h.00 may wirelessly 'vCjF.?#~iii?'fFvtte a if'i?'ii<.E~'EYC?.> :;.'C;efpl: to card 112 using a 2 2 lnie host device 110 and cell laF radio In Cellular radio 1:echhnolotsy in ay include Z,z?<3E3,,. S` s:totn R

L'li?l`i. .: .` 3.?x3tli.i :itdt?? (GSM,) ). Cock? Division : ult l)lc Access (CE: M `i). Universal iti bile .. ele t??f? 3uiti atio ?s System (U.M TS3. and/or any other ce:2ub ,E 5:33E3C?3EDEF.Z
.1/h financial institutions 106. may assign one or more mobile host deices 11;
to .a t'<:`nsac on card 112 in response to one or more events, 131 some '.xa'' lples, the user may r i? ;Ier tile one or 3 ore mobile devices 110 with O #nancial institution 100 in ?:? ?i?3?t.~.~ t,, ti'Ftl for exa nple, recluestin the associates transaction card '112, li? sonic e transaction cm-d 112 3.~7`y' F e YSte the mobile host device H k(.` with Ow.
Iloan ial ina tution 106 in response to at leas an initial insertion into the :.IS. ice e l{?.

r'ardl . s of the association process, the system 100 ina use the cellular capabilities the d vices 110 to corfr?till icate in orill'ation l >et';s 'een the in i..t:.tal fif:+ti:iat#<_i1"t 3 t06 and to?e transaction Card 111 in using the Cellular radio rec.hno ., of Be host %l i , :,. . 1 t+, :11i':= sy ster? 100 may c,(.) immunicate with the transaction card 1 12 when the card 112 i,'t l?i;+' 1:F31ilte >'.i i'~ $r?1 device,. such as t.t?e P05 device 31 4 of I iG3. 3RE 1.

W the illustrated ?mpicmenta.tion, the colitilar core network 2Ã32 typically includes vario 1s switching ele?3.ents, gateways i.111d service control i1 ?<t:c??1:S for.
;3Y?a . i, :,> swlliila services. The Cellular core network . '\ 2 often provides thcw services via number of c, llular access net vorks (e,g., RAN ,,rid also tile c',lula.+i sYstOM with othe 1?I,f1~tai catiC;#1 syst `.ms such as Be network 'Z,'1SC
206 t?; accordance with Ono cellular ; tandards, the cellular core network 202 may include to swiwlwd (o?` voice. switching) portion for pro cen',sin voice calls and a 3o packet MAW (or dam. iwitchi.ng) portion .6:i' supporting dat t <>ns 2 su _.12. as, Few e Fi3 pl ., t13sf?l me isa`yes and web browsing; 1 lie circuit ;FFs'ti ed poi-ion inch: de?s MSC 206 that :witches or c t>nnects telephone calls between radii-_o access n et:Svork (RAN) and the :net:Y'ork 108 or another networ , between core ni tworks or oche s. in . ase The core network 202 is a) E SSM core network, the core network 202 can `ervi t'.
include. <i packet sõ4'ittched portion, also known as Genera' Packet Radio (GPRS a Serving GPRS Support Node (SGSN) 'not illusti<lted, six?) l f':s_r MSC 2Z: 11w se:, Z ?x? ? and tracking communication devices 102s.:. d a Gateway GPRS
Support Node ( GSN) not illustrated) for establishing connections between p acket-.' tc . d netw ?FMS and communication devices 110. The SCsSN may also contain `.';t:.111t GE.ic?c s. l '1 : celili ;:Ii -ubsel'Ft`i. data useful for =stc,1?1fS1131iF?" and handing +- e'er cal.' core 02 i3.1<'ay also include a hho:111C location register (1:11...IR) fit):
rnainta3niri "peAinanera subacaxi e data and a visitor location register (VIJ (andi. or an SGS .") y fu maintaining subscriber data reli i(ved from the 1-11.'R and, up-to-,"t.-Ito.

rue 1i)w<Ftie?xi ,` those C%i?I1:lE?`kl.tl).iC:aoo ~1~: `ices 110 using a wnetess ~?i#>if)l on comroun.babons method. In addittoi:i, the cellular core network 202 nm include Authorization, and AC e=oF-t)ting (AAA) that performs ,'he rolt-~ of zf?tr?L iti~ .ii>t;, authorizing' '.td at counting for devices 110 opera le to access GSM

>ti network . y 2. While the description C)i t1"1c core network 202 is described, ikh respect US e orks, tic core network 202 may include othei cellular radio technologies such as UMTS, CDMA, and others without departing from of this disclosure. no RAN 20provides a radio 1xFtt:.l%iF=e between z3l<:31?ale evi e and the `2:) cell1.Iltii` core. network 202 w1 ic1) may p?nvndereal-t_ime voice., data,,, and m ultiFl edia smWes fog, a c.Ell) to F wbde devices tnrougri a. mac oce it 20 in ;. C
neraral, til.` RAN
204 com. unicc t ` 11F' ..I' mes via radio frequency W:F) lint :s. In. ?:tail lE i:ti dae RAIN

o n rt.:. .y , y, l tin k i.. i?.:tYtSyil l.;iT t]"<Fa?]F'<~ to ~)}TL'sf:'ti.1 Eiez bisvtl messages ,;b, ifilitai.a..s,:i:?f) thr i,i._li coA:. oi:t:wot'k 202. The RA1 204 n a' implemea t= .er t.X
l?'a3ple one of the ="t?1lf}v4ing w -less iiltvll<l.c:C standards during, ifc:xF
xi'Ex:o xe:r;: Advanced bit': >.,i r 1 , 3i' ~. ' it; C% (AMPS), GSM st.a ndF?3'C 5, Code Division Multiple Access Se'T"S
MC>~...>c (U).-%1A):: lino Division i #.ll.fl_ilr Access 1DM' ,t IS-54 (`1D;Mt' ), t<<roci<la à is.pe.
l x` \ ic ('PRS), 111mmed Data Rates for Global Evolution (EDGE.), or 5? t)t)i"#d: `.itt radio inter faces. t. sers may subscribe to the RAN ~. f t~%i l i?' e FmplC , to ) ecei? .l?.zlal telephone se: vice, Global Positioning System (UPS) service, M1 radio :'tic etc, 123:i ' incl.FS.de Base Stations (BS ~ ._'.1 t.1 E::onnecte'=tl to Base..
Stat1<:ii"f he RAN 2104 ~'iitttroller (BSC) 212., 13S 210 eceives and t:la --t'il'itt<s ail. .?.ratrie w t~:i ` ::l geographic a.#tt i 2.,f and n = .~'õtl`
>
i <'Ef by {{ E%~'.li ?l.ia:i' device -1 t , ~:=<??.i1:FEF3FE:i:i?F`~
region ... RAN yt 4 i,.E-, ti:a.hNE .

" 110 ::omieeti:d to the (ISM core i or 202. Each BSC 2.12 is mo Ãated with one or moreE S 210 and on cols the 3sso0 iated BS 210: for t:x rnple.
asc 2...2 may oõt``'1de Rin' 'k-jÃls such as handisa'er, cell Configuration, data, control of :.
.. ~?'. `;` i?oiZ..~ ><.F='%;.S or any i3th:'7' suitable functions IE?#.
managing radio resource and 1_t . . SCv 200 handles access to BSC '` 12. and t e i3tÃ# ::> ;i7:it;< to 8.i3t1 from B-S

network 08AM 206 m a be connected to BSC 212 through a standard Ãiltertthe=
as die A ;_ t rl.ace. While the elements of RAN 204 me describe with to (S ' networks, the RAN 204 may include otlier cellular .tailaE?:i~l Ãi s such as CDMA, and/or ,than In th case of U,-'i TS, the RAN 204 may include Node lB 'e:
Ã1d Radio Ns_`:-,,vo k (ont?-i:illens (,'-"NC), The co ntactiess smart Card 214 is a Met`. i ed. c< rd with C 3:F3.1>E, .le. e ti1w-g ated circuits mat mo a%Lti?'111.Fata ?:i3, For example, the smart card 214 rm !?, hrelessEy.
receive tz}sactFi?a inform abort, process the .#izoà 'nation using .m-A-)Cded applications an . ~' i s iy ,rail transmit a reset nse. "l he contactlless ;sin-irt card 214 {l ray ~'r it leisly card readers through RFID induction technology at data rates t._'sf If> to 148 ?ii?:tt.s. The end 214 many vvirelessly comm~i1micate witi?
3roxiinaate r ad'ers b; mmi !Own (g 1St?. lEC 14443) to 50cm (e.g., ISO 15 9.3). The c.o-m<a<tiess mart card 214 opt-rates, i?. dq)cndent of an internal Power supply. and , a,3tu es energy from in :i~E.`?t radio- lF't-.quencc' interrogation signals to pow'; the embedded ele+cctronics, lle smart carol 214 may be a rnefrier card i-,ii- in genet l., ..i 1311-'s3 cards includ only non-volatile and nmy include sonic specific security logic. Microprocessor C {3 E: FF ]rid'. 4 3 2.t le memory and ,`1i`.z ? ?:>t s t,;F components- In sf>'ln 17.;11?1 t11ent tion , Ã.tE.
bà i.a at card 214 can 2 have di no-nsiuns of ncri1:tally credit card site (e.g, $5.60 5318 36 Fl?1:i., 5 x 15 `i .76 i?'iF:i3; in sonic Ã>i'#i":le:?:iE;iltFat.Ei?I the man end 214 n c be a fob or ta h r sc tillt:y Ã?lten, stir,, card 214 may is cluck a security systetll iy#tiF t,33i resistian ? -opc.EIios a secure c pwp7=oc j:%.n, ~CCEÃa.i: illy Vit`,3)'i, lFa.?Y3:t3-i>3`t.i<tcÃi?:if . ature-s) aiitl >, n, ,,ay be cE?nligur .d to provide security servims (""g, In so ,i1i= i~t3cots ; i i.."sl'eratit?i, the Fin tilct<al institution .106 n.m use the. mobile host device 1 1 0 to coimi.nutlicate information to the transaction card .
'For e unpile, the t# land., institution 1 36 may wiiele'sly con1.i1 unicate with the .71ss,s.i : host d Mce 7tÃ

1. 1 v ?1F'> i' oe.lhdar core network, 202. In some fit?' 'Fi?z ;1F F #<?}:~, tile financial Mason IU6 11-.1ay iran933'.?t intbrmatiol', to the #mmo?#. host device 1111 i response to include. lbs example, transaction in.Ãbn nation at lea t an e At. Th :1311Ã7F'FA?a tion i-n, y (F;. t,a sai:tiol? re eip à ansaction f1I c??Y scripts, applications, We ttage.`i, an /or oIlie associated With be financial institutions '06, The event may include e ..'m1Ai ' iiih a tra: sact:io11, 1:letCF'iA:?iF13:?i a. transaction card 112 is otit:side the opera dug range of a PUS terminal, receiving ,}. request from a tis r of the mobile ho device. aa..:>ioi others. For example, the financial institution 1)6 may identify a mobile host device 110 associated with a card 1 12 that executed a transaction. and ÃraF)si-nit :fi1:ir atton to the mobile host device 110 t?st ng the celleilar csore network 202. 113 r.fi e the cellular con, network 202; the financial ,#1 11$.:
1.`,#3ti 10 s la' rallsmit information to the ÃTwisaction card. 112 w3-Ã::?out requiring t, PUS .a # #3 final being pro imato v, the card K! In addition or alternatively, the financial institution 10si may re ues.. inionnatloi3. from the 111ob.Fie host device 110, the transaction card 112 Ã6 and: or the 3.iser ilsin t3' e cellular core network 202. For example, Ã,h.
-,= financial.
institutie?i 106 may transmit a request for transaction history to ti-to, card 112 through ti lliil a= core net-work 202 and be mobile host device :110.

In some aspects [.'s'1 operation, a merchant or other My may operate the nn biii host device 11 IS as a mobile PO terminal oC?ntiN , l{ to E
`:#1't.Ie ssi execute 2c transactions : 'ith the smart and 21A. For example, a ."t`f?elci> may be mobile (i taxi Mille.;) and may include a mobile host device 11Oc with a transaction care , 12c, In t.nj example, the transaction cud 112c may wireless!, Sceiee account infoF'Fnation.
Rein the smart card 214 and the PUS 1 14 may transmit an authorization ieWles to the financial i, _itution 1116 using the mobile host 33 11 0 and be cell la. core network as 202. in response to at least the request:. the financial ins.tit.ition 106 may generate an affil?i" , ice ati o:.i to the transaction card 112c using the mobile host t:l.. eicc 11Ã;
and the'. cell lar network 202.

some ii.#31plt'mentat ons, the system .1110 may execute one or more of the 111ode=.:t. e uss et with iespec to FIG! RE 1, For example, the transaction card .t ? 2 as n-rah i à >e 1_#":i"` i3<?S11 CA'!t? is ii:}i~i1 using the ; ellular radio technology of the mobile host . t.
:~ card .i_... It 110. +1SC:i" may 34"lint to F6-r3C:i,~s 1":iilli;r< the i~i~tSi:t~tii?:F2 c<.}lf:> . 12 to ::S:::tnge hot to have multiple host devices, n(Vor other romsons. In c' a:tl.s to the five ni': ge.#3_?ent, the user may transinit to the 111"tancial. inS.itution 100 a request to L pe sonali :~ the transaction card 1.12 using the cellular radio .t: itlt?is>41= of the host de ice t 10.

3 .illustrates is a block diagram illustrating an >. arnp:.L: ti.tfi {t'Ãf# 3{
card 112 of FIGURE 1 in. accordance with some. #.FT' ?~Ã,ii'iE tat<iti ns J
th present s disclosure. In the transaction card 112 include, personalized modules that execute ...;. nnc~ial tr uisactions independent of the mobile device 110. l h:Fe ilufstrated tra:ins.:cao , and 1 ' . is l t example purposes only, and the transaction aard 112. ma include some, all or diltt'rent modules without departing, 13(iFia the `;#l?e of this discll?SFi.ie.

i l.Fl some i#I?ple:iinutat ons, the transaction card 112 can .nc=itide an interface layer $02, an Pi. .;I $04, Web server 306, a real-tin framcwmk 3v8, payment applications 310, valtae ridded applications 312, user credentials .11-1.i real %i#2?..:: OS 316, coritactiess cltinset 318, antenna control functions 320 antenna 322, batik:
used .me,i?. my 324, and A?'ee memory 326. In sonic f#21:1;1 'E2.<?l;.cià ?F:FS.; a host controller 15 includes the inteit,:ice layer 302, he API/Ui 30 4, the Web serve, 0,6, the real -t #:ne framework 308, the cuntEaitless chipset 31 and the antenna control functions +20Iii a security module f whales be 1 aytneut alfl`lieatio:3s 310 ii#:l the user credentials 314. 'file bank used memory 324 and free incnaor 326 may be contained in Flasl . In some implementatio s. the C i312iet 'l..l~ : ctlipset 3,18 1Iay be 3 n t erat :.` within the security module or operated as a antenna 32 Rats'' be ie interface lover 302 includes :interfaces to both the host desice, ;,e.
physic,--k1 and the external e'orld, i,c., =irlaesti>cont .Lt1ess yt?A?#' ectioi3. In Payment i.i?#> Q;t1Ferdo ons th ",wireles's connection can be based on iEF'E?%
suitable wireless A:: t , d ii.= ,.i:iW:li as conulcfess (e. IMP 14443 A/B), proximity tSO
',..5(03'), NFC
( , l.SS 180:; ), anal!;m others. In some I.i]1l?IGiF'1~`ntat s;af: the 4' Y<
:aJ connection an tiara ,_no;l2e.r short: range wireless protocol such as l.3'lut'.toot, proprietary itit~..fk.,#ce F:?se by retail naymerit terminals tl cit4.a in .t Wan, MiFaro in Asia., etc 3, anoior o..-.,he rs. i regards to the physical inter lace, the interlace. aver 302 may physically interface the mobile device 110 using an ST) protocol sucl-i as MicroSI.).
Mini Si? or Sli ,l?i?l sizej. in some tnlpief 1cn atic?ns, the physical interface may least.
include to Convert between two different ,>c?set, at ui part, ret the #Fiobilfr device 110. in some 1#]21;11ement<aionst the mobile device Ill,;

may ?.7Y#.?.i : t using ?--roto, s i3 '1 f3 s ~; SF3, - 'MMC~, f ~gl{.3ia proprietary mt:'=i- itec or 3 it.. P1 4.T.1 I;.Y.1' ,?If I can include any software, hardwaf-Q, sn /c,r firmware Ei:ti3 operates as an AN be men .i': mobile device 1 10 and the 7'iit :.3otion ,.a d 1-12 and as 11 5 tha i> . 3 , Prior to ecutiiit; ti-iidisactions, the tr;ttisact. ?I card 112. may automatically install drivers in the mobile device 3 10 in response to at à ,-I 3i>jC 2 E:?<?Fi, i> e.\ti ? ple., the trransac tic) 1-1 card 112 may automatically install a device drive, in the device 110 to enable the transaction card 12 to i te ::ice tl,e-.i obile device I,... In son tli'tl5lvi'diE i3tti:tions, the transaction c trõ 112 may Install an .1 enhanced device driver such as a Mass i` .emor`f with Radio (N IMR) API. in this ii?: '>, -,xi=...:;ttti3t3 the interface can dm. ,c a class of pit grins that contain mass memory as well a.s interface, The M MR API may execute one or more of t.:}e. f flowing`;:

to:/ it In the 3b=.t. ' R cont-oller (M crop;:sntro er in the pfiie-.in ;
Muukr data usi `i, INUM pr Ito: o,. t g . SD, MNIC, X1), 1.?SB , Firew.ne);
send encrypted 15 data to the ) -I !1R controller; receive Acknot'i lv+:t`.iement of Suc c4:ss or Error; received status word indicating description of error; turn radio on/ot:f; send S?S.i,.iE ll~E] to the .12 to 'ii i Me e anti: u on pit 511ech lilt? he i13.ede 31 . I.3:=ratio?fi f (', =., se'tifa` move, ti t. dl tig mode ; transmit data such as send instruction to cot3ti;3tt~' t:
ti'3i? : itt. data via, the radio , l sten #; r data such as, send inst.i.Ectdi?ii to cionImliei k. listen as dice such as send instI :t,:tion to l%i_tllt olle to setd the data received by the list:eiri>i?; .ii.I?t?; and/or others in some T.I3:1plemi'1ent ti:: ns, INI?R can he t omp.il.ant with \: 3': 1 '. titsome tilil. C: 33C"3311tt31 2 S., :.t 1 s:F?.C:,.psul lto , I I ? Ird.l a.aY ti't y i:'e roc :ss i by the see,.ti'ity module in addition to other : wi-i i ands.

In some implementations the API can operate accordance the two 0) the transaction card 112 as the master and the mobdle device, 1 10 as i e slave: - and 3 the card I R as the n aster. In the first process. the trans cti= i? card 1,112 may ass one or more connnamis to the mobile device l , 0 in response to...for"
omunple, of .lie transaction card 112 into a slot ir, the mobile device 110, a transaction ~,{ ~
betwe the. transaction card. 11.2' and the PO S III and/or other events In sonic 30 ;Act s=erzik--l,ta,nions, the transaction card ` 12 can request the ?obit device t 1t to e;
::;k.=t .~:. ..t=> o.. ea, More ~i33I~~ g .I tadiCt::3i":i;t i, t."<:t User Get griattÃt:re Di;ir;?Iti, -.. of IC.li.t.<'i~ Input; S1.~, Data,õ : y;ea Data; Porn. .e Data; and/or other', T1ie Got I.::se Input cornniand may <Jme present a rest est through the (.I ?I. I i for data from the ise r. In - 23 .

the Cit !sser Input may present a request for iT uhtple. da inputs, The data nputs may be any suitable t:i?;t}?'Fat such as F'lumeriic, alpiii3F2u eric, anFd/o ?tl?e.: suing,, of characters. The Get Signature command m \ ...hues, ll t.
mobile devic z : to retuni identlfoatioil data such s, for' example, a l;If.>ne nu.3 be , a. device a ID like code or ai MAC address, a network code, a subscription l ik an t-- the ;?t'.i3t 3:..::. ilS ll SIM )Cr, A;a :Ã3 niecOon statums, location ianformation. t` 3 z<

and/or other à osiLe specific inb '!nation. The Display Data command may present a Ãhalo to the user throtigh the GUI iii. In some fF?'F 3 .fi; : ?E<tk+. Fi, the dialog can a period of time, a twer se, ect on., and/or other event, ','lit, Send Data 1'.> c >iTlll'iand .F y request the mobile device 110 to transmit packet is o n to the external world (mg" S..MS, cellular, Wi-hi time Receive Data command may request the mobile device I !? *) to opo'n a connection channel with.

and identify data received through the conucctiÃ?n, In '?'Qnw to command can request tile mobile device # S to forward any data is (,g., . . SMS) satin ,ills .chain crit iia to be ior'wai'ded to the.
transaction card 112, S
In al i'Ã to tile; I R as mar ter, the Ui. ma execute one o> of t,ie` ie ilowI'fi' I. , ash .Z Femory IF'lo'd #le Ã?fl'IF"#?:FfFa .: T ~; At.L:S`fit+ f~;iF~,ti" F l':., <
L'3;z?.?lc#.i>..,.>. ~eL.ta :et v' ~' 1 G:~r?t.'FSu; ~.:. < a ReaÃl:'tii'rite; Send Data with or without encryption; Siecei .,, Data with ;3, e ry e, n n; .. Ri., GO Data , UURI, Post Data: and/or others. The .e e.,F .t.
module 20 commands may relate to secur'it functions provided by the card and ate directed FC?.3 õF,I.A
tlm~ security module within the transaction card 112 (t'.g,, standard ISO 7816 comnlan proprietary comma. nds). I.F. some implelne ntatim s, the co-nirminds m.ay include encryption, iit'slanenti t.on, provisioning of dam, creation. of security doll-m ns.
typdac of security domain, update Ã?t use#' credclitiaals a#tte :E't.:FcaiFion "st Z anti/or 25 Others. i i. eoflk' 1FT? 3l fl enti#t.ft:ns the commands may include. non security- related sn art, Ã,> >:.l :Ã?s A' a nSis such, i3s for exaliTlpl #e,atil t3'aF#1S`rie .fi`F? }? stor commands. HIV'iee road r..s...i~ i :.t?. .3?d or command may pe'rform' a read of the secure .?et'.mo 324 of the t. ansacti i;;, card 1 12, In some. implenlentat:if ns, certain fag, or areas of the secure memory 24 may ;'+c to after Security, i t F bI ical:tion. 'file 30 3' eo _l;t t < x lill#tl_ ,F.e+ Fit;fL;fi.~-# v'citL. i. F Ã <~:I~~~.F3'`i1tG 't.Za ,:Fl.ll functions Li: tilC:.Y oa:#iaSi'wt1C?{l e-;,i3'El` 112. . '1'11 :%

Flash Memory Ri d/ Wrft:e command may C'-xe.cutc as read/writ" operation on a.
5:^
i;"'.t?{.eil area of the non-secure memory 326. `Ill's:. Send Data wit-ti tor without encryption c ??l,nlaind may instruct the transaction Carl, 112 to ,fsin'f~l:Filt data rising F >

24 :

w.ii.s;.:es v\iinectti:Yit with, for exa .npie, the POS 114, In addition, the dala, !nay be :'8Y rvptet by the iF.iF3. t3<::2i?F3 card 112 prior to E3`<3T3SF1F .<.3:i ei ing, for example. ke t':i and >` o t t,i:.i.i capability stored within the security module. s e tit'. `t t Data with or whhou ..ecrvpt`cYn {<o i-inlanf: may instruct the transaction i anJ 112 to switch to mode to receive dale from its wireless connect on With the ten.nirnil/rcade:r PUS a 14). In some implefiientat ons, data decryption c n be requested by the sec 3t it % modWe using, for example, keys and de ryption :.? +: F tE..iF'i3 avail bl:e on he iE: .:Ta'y' `>?iidul e. on-boI:IId decryption. The ? I.. ('3ct Post 3. a Y.Li.,= a,a iirnt:F1F't the i,, : )< it per t - >'..=. t the 3i'.i server 306 to return à F... f.s as I,SsY,fF,.; . get or post 'F ,? i.:a~:2 X341,\ usin - for example, offime U ZLs.

The N'L'el) server 308.; as part of the OS of the transaction card It 2, m t<
assign {YIr. associate tilt style addressing to certain files Stored- in the :3:+
F3is2i 326 ( <r itasio of the transaction card 111. In some 1_IT1pie F c.ntia:i. n, the Web semcr 306 a sire using the 111U. and returns the file to a browser tisin standard1171`?:.
z H a 23:S style transfer In sonic impleni ntaations, the definition of the >i es can be 'or matte: sin standard HTi4L, ); l:T L, WM';,L and./or . iV1 t `Ãe. o;{ages.
The rinks that point to additional of'fiwe storage Gcattofts in tile memory 3 26 au,-J,-`or Internet sites that the niobii.e device t 1o may access. In x,ri.e the Web in t ,.a, r t. protocol's, ti:o server 306 1"i)FS rat?t?.)F't h4:i.EF1i.t,S' ~such SSL.
20 Ile !\v ) server .306 in iv transfer an application in memory 326 to ht mobil device I > . f`;' installation, and vXi:L1a`:3i?%?. Ile WE server YD6 may request the L.Fli3i?.....SAS of `..`?e browser on the device 110 using, f?r exanlp e, t2 browser user agent profile, in order to >, tolitize the of fine i leb page accoahng to the supported capabilities the device and the browser, such at .for example, supported i3' arkup tl'if;liaõt, sireeni si[e, 25 r'esolutio colors and such.

As pan of the Real time W, the real-time framework 308 nm execute one or Frio.. .iiounion a cased, at tea; t..in Parr, on one or more periods o time.
For , 1<3k3ip l the tea?-1F:it:e framework 308 i-,nay enable an internal clock available on the C U to o;o,i.: e :r iestamt!i7...f. resoonse to at least requested events. The rea .iFne framework 2 30ee any allow certain tasks to be pre-schedmiled such that the tanks are.
executed in resp inJ,' .o .a3 eas. certain tin-ie Ein(Vo1 event based triggers. in t3E3, ;STiAs t'1'F2L a.tiaiTi?:ii , i via iõainewor'k 08 may allow the CPU to insei delays ifl certain transactions. In some i.ii'.Fple neniation, a part of W NP s<tandards called 'VTk -V, i?`el-- 1,alephz?:ney Application Interface) can be iniple'13ented to allow oft1n:'.' browse pages on the can! 112 to make use of to actions offered bt' ttic mobile dciioe 11 0 l end rec'eive' A ireless data, send receive SMS, make a voice call play a ring tone OW A, The 33F1L`:nient appi:c l..,ioT.is 310 can include any software, hardware, artd/or zri iTi4~ t.r> at exchanges With the retail t =xr.r nal using in some 1n,sta e . <: pre de 3.ned sequence Qi?li ;`or data foci at, For example, the paymen it3 331c ti ns 310 _El a i= generate i3. response to a transaction request by`
.r`=i .bi?~
e,Xlia.ting or other visis inchiding user credentials in the response, in a, ionn the re a3.i tenninal's payment processing application. in s ?1' e the Payment applications 310 may execute one or more of t tee 3:f?1i a2S`.i3i`, transmit properties of the transaction card 112 in response to at least arl i le.nfi .i > ..? request received rom the POS 1 =4; receive` a request to execute a transaction bum! for e=iirnpl , the POS 1 14; identify user credentials in the brink-used 1,`; memory 324 in response to at least the request; generate F?.:i<3i3sa ::fs.f11 response based, a,it least ~ri on the user credentials; transmit the tra sa t:l<1:. rv 1:ollsi: tote P05 114 u ng for exanApie, a comae-less chipset; receive clear data, e. a :3,? e a random number, from the 1105 114 and provide .., response containing encrypted data by c31tf is^,`Ã3:i? the clear data using the cryptographic capabilities of the secure c lelneiw;

ah--:e encrypted (fiat a using the contactiess c:12ipset 318; increnien.. aE
t.E tlnsaf:i2:E?:i3.
counter 3* a, s every transaction, requesà received; transmit a value of the transaction counter It r sponse to a request from the PUS 114,-, stole details of the n, nsaction (i1 i t is L.3 ed itoiii the 1Dt3S 1.14 into the tT13.i3a:i iiC3n .eSt;i' el' 111Ø bank Ã>-s-- i1 memory 24, t:iansi3'iIt transaction history to the CPU ,`t a1w= intelligent.
2 eard 24' resp.nse to .S.c ,:i:t-:=i:1ti.streceive ISO 7816 requests iron, the CPU el the intelligent card 112; execute com-sponciing transactions using the secure element OS;
provide responses to the CPl1; ant1!or other processes. In generating the transaction ;response, the pa -In nt appBeation .i+1.0 may generate the response in a fi---srnnat specified by the :` ayment network (VISA, Masten Ard, Ate>ex, I.t1 cov 3,> associatf:d with a m 106 or a proprietary iomia.t owned au-td de fined by the in n al 1:,.tlt? t.. ?`i., 106 turd pro.essi13le by the POS . 14. The transaction request may include one or non v o the 1 311erie l g: user cradcttti E1.i (e. g., account titi:iber),: tia.t<3, card a coin:Ft;, and/or other card or Ã1ser infor1Tl:Etno1'?. In 9f`:i`?e ,3.z:.il #~ti3Ã#Ã>a the payment application 310 may cornpriscs a browser application eiriÃii?at ti't3#i tictii?i3$, e '~?Tt?wser i i ?E#1:atio : ; 0 i?li:'t j' b t. browser ?Fitt i ia- tailed if the device 110 is either missing a br+. 1. ser i>3 has a ii Ãoiv-sei th is ?iiCe liti? it:Oie with the Web server 30t or, the card 1 1 7 A?Ei.r i staleit:ou of such future communications be't,teen the mobile device -D,? and the wcb-st:rvor 30 make use the newly inst<allled browser.

The :eal-t?me OS 316 may execute or otherwise incltid one or n-iore of tile iÃ?i i` Z il; ' real Ã?23t t iail7f Lod i': I} ? i host pro ces s F. Ac_:
.t?:i A I ten i.ir_` physical inters oc% het eml. the transaction-card CPU and the mobile device E U; an interface `% 3 tat i aplemnts the. Physical inter iwe between tilt'. CK), and.
toi tt#,t.>= mod3_.1e a .i?1 i3" or it?.i?1i2; t.?I3 :T_i[ process t 3<tt firnpicillera"', the *,,.S() i-51- 326, v)i?i)s.;;a .te.rtace between ti:;t. transactii:?m-car d CPU and the memor 24 auld: t 3 ..
application-layer process that implements the API and U a i~A? s the Well) se r':. 306; c.:i.teofci i:c?ntani functions 320; power manii;?t: afid/or wfficirs Ii"i so#ime is ?t iri_i nent.a..t>?~`>, the real tl.ine OS 31.6 rnay% manage the physical interfclce, between the CPU and the secure: memory 324 that includes memory segmentation to tiif:i`aii? areas to be restricted access and/or data iaiitit?e . Si?
som .. 'a s.c rile.?itat?i?ns, the security module can include a security module OS
provided by the se; m-it;% module Vendor and may be compliana with Visa and n N'li.istt,i't:)-.t... specifications. The security 1i dule OS may sti ct. in file e .i.ay z--iodide to be compliant with Paypass andior pay Wale :ipeci .eat:ioti:. or arty othZ a < i i1:?le contactiesa retail payment itidust.iy s e i't?t:riÃ1~;3i"t7:
in addition, the 4 1v rimy < ( ig S and Z 322 ' vs i t~' .Y;vl:`, .8at7it host device 5. õiFitt+'es and allow #ilf?C3C.<t the Ãi#i?ztiii in à ie secuir lenien 321 In some ? iocni ntcatli?iis, the r al firm : 08 31,O fna .e.. OS con igured to pers )ncllixin j the secure .brief 324 such as by o e .ample., convertin raw I'V data (account :i is?t?er, expiry date, Card a ui?.;;3C::i i t \ 4 7, other ,ippheiatii}i2 spm.the i_It ,,.ii,s) No secure encrypted inlda.,. mii `il.. In addition, the icrocontr'oller OS ma yT present the card . 112 as a 's'lOMSD puss storage to the host device. The OS r aZ partition the so memory into a user section and a protected device application sec iosn. In this ` S Y 1 'i Li ex.i3i#ii.:?; ; th>e ., device >117jJ?:i+~ca1?i?i3 ;~s:G.tit?il 1lisil~ be used to store ?.(3. iii>. J,:?e...e.Al=::
:i?t?r>.::iÃÃ ms t at either operate from this segment of this iii.. itaf.:>i or are initcalled on tile host !,his ;i gment of the ?f?emory.

~;i'i.}# t5` module chip nlati' pro idi i"t wtio s ibr enct' ptnon., authentication, management i r;Montiai,i Fi;?tt"<<
i ulti.pl: security dt?.i3'.}ains on-boar"d processing e} abili ties for access and wora c, a tWor ott3ers. In some implementation's, the Security 1'1odule chip can iii: ud t1 he c`iit< ttess ciripset 318.

c:,,llactiess ch.tp et 318 may provides the h} si i"e protocol arid,%Y#i driers for RF comimini :cation. es }mple ,the contac ess ci:ipset 318 may SAW o}+-,?(?}rd RF circuitry to interface with an e\. nml world connection using a ii'#:}t t,~s/c s?ltclt.tles connection,. The Wireless.
connection IFa be, Or example, client to node (terminal , teiiilei base station), node to clien (passive tag), r to t`t et' (anoter transaction card 112), antenna control function 320 may controls the availability of' 0e ::h Aten For example, the antenna control function 3230 may activate/deactivate t ho, antenna ? .,. , i response to, .`, example, S}ccesyi.?tt completion "

"=,^ routine e.sai t~.F~.}Sa ..',f. F by the DS ..1ES7 }' o1%, event, 4 t Z
ills, ~% t sz3lr , it lti,`~.# ' <~.3ES.`. 3.3[; _ .., ~,:; short F # q :3 i., ies antenna connected to an N RC inlay via a sufiv are switch such a a :'i .Li t_ ate or whe element.

.~o.~ThRE 4 is a block diagram iiiustrating an example i)teiilg en-1, card 4;l0 in i:40cordi:i c wi.ti. Foul impl ;i.ent~ttions of the present discicci `Fuse.
For exa-.npie, the 40 card ofFKMRT t may be iii'} F enleFted in accordarwo with the illustrated jnteh ,,lent rd 40M in cenerai, the inteiiigen.t card 400 }"la.Y`
independently access service,, and./or tea:nsactions, The intelligent card 400 is for illu tratio :
i'F:} ii`,.fi my and may include :one all, o different elements without departing from the scope oi:-'ho 2;i As pim,,t2a:tt;d, the intelligent card 400 includes an ante#ina. 402.. a s itch pits t: nint= ~ circuit 4041, a security Foci 3i.. and eontactiess clupset 40o, a .TU =ids and memory 41.10. The antenna 402 wire essly transmits and receives such as : I'C
sig als. in some implementations. the witch Pill's tuning l ircuit 04 may ii '3i<amicali4`
3:}f>!ti~ f he ?i tpedc}>is_. e o ti" e iil1;:L#il]fi. 402 ti _o tune the:
Transmit and or r-cceive:: Ã'`t .,f#e#:ie3%.

30 In 3d $itto n, .h' switch plus tuning circuit 404 may selecti ei ` s itch the antenna 402 on and o.f in response to at least a command ,from the ~.~i'i.= 4;i3. In some the antenna 402. can be a short range wireless antenna tN

all NFC inlay via a Software switch such as an NAND Gate or other element to allow :oi from the. ('PU 408 to turn the antenna 402 on and off, some .l'ia`?lementatt ?:i?s, the ?aal 4K.' may include a i NFC' inlay (riot :illu traced) that can he pass.` L. of NTC short range Wireless techllology deriving poke. r f`rol-n the rcade, tf'.T333.ii.l, i :i order to transmit data back or a stronger iniplenifi.` lation using an c1 . (, ..l i:;3C:t to power iiÃ.t#l%:', reader #3ES`d and sellEla.a=.ii Er-to de. :.iiiE:i#l.i?F?. did"
card 400 may include an e :t:;#nal needle, point reset (not illustrated .
that, prompts th' Ã PU 40$ t` .':=? h1 D?:Far#I<' hi ,i?el F y or Secure element,, .l, e (-'P,J 40$ #i ay transmit the switching cCDsmle.nd in response to an event such as : request, completion of ). t #an,,,a tion and/or others. When switched on., the security ..,bit) and c.ontact`ess chif?sÃ.t 406 is col nome, to to antenna 4..i<~'. and executes o.;,. Of more of the. ..6,11? 'ing.: kmllat signals for wtrele,. in aceoC.,a.nce With one or more formats; decrypt received messages and eicryp transmitted messx.ges; cfttt i.#1..t ate user redentvials locall> stored in the memory '`t1.
ai:kx:~?;' c,4.iier processes. *n.,t.; memor 410 may include a and a;tit.:
secii ~cd section ... this implementation, the secure`. memory 41 1 may sore one or more, user credentials that are not accessible by the user. In addition, the memory Olt:
may ; tFo'e offli?:e ? b p tge5, applications, t ans i.ction history, and/or other data.
In son no the memory 410 may include Flash memory from 64 to 32CR.
In the memory 419 may be partitioned into ucr F.er.noiy and de ice.
nlel:nor The ehipset 406 may include,a security modul .` di at is, for sw;.Yaunn\ \ i;>ii anc_..o Mastc#'('ai'ml certified for storing t'Fianc:,iiii '41'ficl Cia <i in ac.e.oid !:ce with global standards. In addition to a use?' s .#nai iciaii wHicle, the secure element may stcs a2enat?.t3 of allowed host devicesasid/ior are#:i#2a. modes.

In nit i .?iz'3Tientation the CPU 408 ma switch the , atc-n-na 402 between 25 active and inactivate mode based, at least in part, 011a parameter detin..:d'' by: for ex n-,ple, a user, distributor Cc g. financial iF;sti't.uti n, service provider), ind/ot other's, For example, the M J,, 408 may activate the an enna -azrd 400 is physically connected to a host (.:et ice a ml when a i1111fiC:i' entatÃo.ns.
with -die host device is successfully exeQiaQ . In soine ` the may automatically deactivate the antenna. :02 v' of the icod via? CPU .; 08 intelligent .
40(? i i't.¾3:iC vet from the host device. In. some i mmpl ixientati:ons, the antenna 4(),2 is.
always active such that the intelligent card 400 may be used a star.. :Hone mess CP
device t; lc; toe on a k ,YF hairs). In Teg aids to the handshaking pFoce,;s, the . `9..

408 i3ia execute one or more ;:F?:itit?enticaÃi(?i? Professes prior to activat 1n;: the intelligent card 400 ndror antenna 402 as illustrated in 'lO+."RE For die C,3 ~. } 408 may execute a physical authCi?'ti tt3~ i?'i, a device authentication, and/or ai user titii iti(= >tii`ii, For example, the CPU 4081 may activate Ãhailte ma 402 in #" i1f?File to at east etecÃ#iig a connection to the physical ii?terfit e with zhie. host :
de ic,e. (e.g., SD
intOrtace) and su. ees:?tu LE1.3, ii, itie?#1 of die device dcis ec for mass memory access ('. `.,. device ffi"iS ('.i') an the host device. In 5C?a:,3:'= device <it?Ãlia. ?ii(: itit?3:i may include physical authentication in iid(itioti to Si,, a signature eoinpaiiso.i of' a device signature sto-cd in mentor (e. secu :v' i? oduie ($10) that 'iO was created t3 .rZx4:r i i,'Ã }i '= (provisioning) to a i'Li'i Ã'ii,3E' `>a+ ac:g,akv ('Mv.i_ci.h.~(a i.si.ig..C?r ex mule, a unique faramete,r of the host device. In the event no host: device aigi titu e Ãxis s in the nlelll ry, the CM-1, 408 may bind l1'1E i the first compatible host device the cad 400 inserted into, A compatible host device may be a device that can Siit.~.L.S,`f i' aL:~:i,F3plisi h sical aut.aenticati:on sucessfully. a. hosÃ:-(Ft'.Z~i(:e.`

14 cif 3Fri#.,.+ ..s present in the xnemoF'y, the CPU 408 compares the stored stgnatti}e tlit.?
.be IL,.ii t signature of the current host device. If the sig atures z3'mtdi the C. 08 may gip. oce d to complete the bootstrap operation. If the stgnru res do Faoõnn itt l'F; :?o ; as device is iCiec. cd, bootstrap is aborted awl be card 400 is Fete nfed to the mode it bef ~ i i i,t:~..... }li`.i?i~.' inserted ii'it(? the d(:ti'3L'e.

,i? may include verification of physical connect. on w- ,Rh a user using a PIN entered by the user, a x.509 type certificate that is unique : f the user an d ; to.t; . on, the host device, an&o$ other pro essres. Device and :user authentication may verify a .Ã 1?1=sieai connection with device through comparison of a dcvic signature and user through verification of user PIN or certificate. In, s me 2, the user' can select a PIN or certificate at pros isionin~g, time, i t t.tt.i d case, the C :'`U 408 may is antiate a software p ug in on the host dev:ice, For exa:ii'ple, a software uiug-3n n'iay request the user for hi PIN in real tinie, read a ,riser ce.i fcate . -t . t.avt. i 't),. . t} t ers. The operation of the ti' C t)liics +
e _ d.
installed on the , tee cilia, in o my be customiled by the provider. Regardless, the returned user data may be :::; compared with user data stored in the nionlory. In case o.t a successful matci?, the ,`-iiiten,ta 402 may be acÃivated, In case of in ,,nsueeessfi3,ii match of a certificate`, then card .. .. .,. deactivated, In as of unsuccessful PIN i'i?at h, the user may be requested to rcj. ;e'a t PIN attempts Witil <.F tlecessful match or the number of attempt; excecc, a.
threshold. disk provider may cusLoT.nize the attempt threshold.

In regards to network authentication, the host device F' ay be a cetiphoni.
such that hl ca-d 400 may request network authentication prior to activation. For exain le, the cir:, 400 .~ 400 t r1=e' #"!t: Operator f \ Chat be a f network aÃ#tthent#Ãat.F+ n. In this ex implÃ. a fl g, in rnor:or may be ---'f A to U.N

fi`.t, c..>:Fl, n t.1<',`i'i authentication is required, If tll tii?: is set to ON. a unique iÃaen t.. ab. the allowed network is local ]y red it,, memory s ch i Mobil N
.twork ~., .;F Ãi 1efiÃa TF44 Ã.it~ ', C,>,f, ':>`,r S^ CDMA . ..( \, ..1!'p 3:~:t:1='~`Ã31'ks, a 1Fz~~ iÃ)i' ~.'.
'ii1t;t\b'i?# k5.; e.s=?t..~ for F 3 i#i+F or i id"', ter If this flay; is ON, Cuts `ÃTU 408 in respc to at leas..A. . #t8t?3 an ay request a iii:viii, so tb are plug-in to be downloaded to the host device (.i. instantiated This s wme p ne-in may à wry the i st device to respond with ...t =twor'k details. In so of = oases the type 57~ unique network identity, employed and the method to deduce it Win the host device _ wy be variable and dependent o, the net,,voyk provider and à isa?a i;.c t,.Fe FTÃ?tit device, if the locally-stored II) matt hu, the request lD t e CPU
408 Ff t: ated the anten nat #0a. to enable access or otherwise services are denied.

. ,. -l x = illustrates an example transaction system i i, for S irelS S t %
0,.',R-' c orur .u atin2 transaction inforn-lat:Fon using one of a plurality of interth es. For t ? t ` p l thy system 500 m a y inti i {ac'e the transaction care. 1 1 2 using a wr Ufa or G wii C i.;-'s, ti. l#_i regards to wired in erfacos the S4steFi 500 inctud;~es an ada.p'i<l-;

"st and , render :- Tt~~3> '!'he. any ,...;, td and ., i%t;lt?tt?#" 504 can include <a:l~' ti{-t4.ciT'G, ~acti.ei.Y:-t Ã;.;
a:Fie.'S'3i ...(.?,.ti eonfif,_'u ed to translated between a fdrmat compatible w iith the card , .'2 and if farimiat co patible with the client 1 04c. For example, the adaptor 504 may translaic be ;v, can niicnoSD !rotoc -d .:-,n, a l SB protocol. The reader 500 can include any !i S tti:`ar , .Fa:rdyiare, an')/or tin u~vare eo:nfig:red to directly i teF
we with the ca.rf.
,11231, Foy example, the.read.. r 5i?6 inay be a i.nicroSi) reader such that, he : liient 104d 111ierfa `e'... with the card 11211 using a mjcroSD intocol. In regards to i elie is interfaces, the system .500 may include:, a ells+.ar interface 502. and a short,.ra:nge 3+irel ss interface 508. i 1 regards to the cellular interface 502, the f nancial 36 `,ay wiielessly Ctininlum.ticate= with the transaction card I 1 .'sting tfice ceihiIa idio technology o A' the mobile device Me For example. the cellÃFl r interlace 502 .,. F, t t . d/:or iltai?=' be a {..i3N`l.~ #,Fl.t+;~'pfiC;t;, a E.iii'ti~ illif%itt?C+_. a F.NT'I n other cellular interlaces. in regards to the short-rang wi::eless iiit itace the fI#:an vial istitition. 106 may wire1es, F;J e itlF?1 atioatl with the i#"?E?
<?<'. E'?# card t 2f Usili ?t' -ayrq)le, WiFi tec1nolo y. The short-range E1.Icies:s >.wket`t.icc 5,0$ may be an 80111 .iit IOI4.e, a Bluetooth ante?- c , and/or other wireless interface. In them-t t ii.` client 104c: may include E 3o#"
4: ika iti:': ati(?Y? with i e tan. { `.l3 n card .1 121.

FIGURE 6 is a schematic di in.ari'i (00 of persona #zattion of' a intelligent card ' L ? , th transact#:`i3. carte I I2 , the service card 210), In particWar the Antel1i~ t.3,t card i i y be prior to being issued to a user, to, 3F'i. k SEEs.. t4 f', o after being # <att .ta>t> use <. 3t5 t IS ,i:tanc . to regards to pr issI1G{#' ce,. rnk Egon cards may he `0 pe,is nat:i..ed in mass batches at, for example, a. fzictory. In this example, each I#?it ,~:. .: t3, card m Z% be loaded with user credentials, see`3rit3 fame\Z.otk, app #ca'lorts, ouhne TV & pages, and/or o h?er data. in some FYEpl IZ-Ix`.I3 Ei :Fii;' a inte.l ent Card may be personalized individually at. for example, a bank branch, In this case, a cart may e individually loaded with data a socia:ted with ' i,,~scr after, for t7 3?iiYdhas ,' .ie disci. As li?i' post issuance, the intelligent c= Ird may b e personalized wireI ssi~ Fo cX;.ili' ,t?z the transaction card 112 may be personalized through a cellular Morino ton established using the mobile device, I I0. ?E3. sonine i.i3tt,it rne.ni!#t itti'i an i iteingeirt card may be personalized by ,yFichronGii g with a as client 104. The transaction card I t 2 in ay receive from an enterprise 20 at ate l vi ,.t:t3 the financial institution I06 that person aiization data prior to including as er credentials, payment :: i~j? 1 It?<?:? e ii it leas one of operational flags, rule table or user intert'ace. The personalization data present in the _ ;.
card may be, iltE tip at<e S:~ t a.~~s'=i' activation n Ia;i1:I? g at least least one of the t ii.iftir.eo\t<ti iI?Lt i3t.t. l s:
OWNS or over the air messages containing special and secure update instructions;
initernet o r client a1:piiz :it?ox running on a PC c 3nnected to the transaction card 112 via the host: device or a card reader; inter let application wvir'elessis to the t?"<3E,sacttL... card .z .12 via the }cost mobile device or user #: At:er.thce 1pp ic`s tion oA the transacti? card 112 it`elt, an of other methods.

in s':=nle implementations, provisioning of Me intelligent end can be ?ased, at 3{ i al t in a..., on the distribution entity ("g, ii?an ial institution, Z=S'FIt.Ii operator, u` er).. Fay example, the imc gc?E CM'f.l may be distributed by a fi?:aa6.
E.:d institution such as :3 =', ank. iii th e. bank till : c :n< in,: it.Eon, the irate 3Iy c I2t ,-aid can be A~E't' pro3 i- i' >.e::, "61,J) user Accounts. to this case, tll< intclllig'ent f inn ' N e. activated in, rospo,nSo to at least initial insertion into a host device. 11e,~a nmma it ode F"F.1a b e s t to hvsieal an d n.ct tt.ion only by de ault. In some e.xampl s, du user nniiy self seki 1: a PIN to pieven3 : ili)authorize use or through a PC and plug-#.n iia ?ii :ge.Faõ software if the host device does not have a st rei : and keyboard, in the the i.iateii#:g ent card may r gtii'.+e device before activationn. In some examples, the User may provi, ion financial data i Ã': cr dit or debit) using one of several met nods. In addition, the user ma add user aa#d #:tication. In the 'u'ser-provided inipi i3FS,F3.:($: t t.z: the user iFi i d acquire t e i_nteh `. cad from, the exaiampie, a retail Store or other channei~ like OE 3 host to f.ievic :aF<iEiFii[ie it:rer In this, ease. til user may caC%#; iii.. th art. in C?
is tali dc fcet w.'ith i rovide3 selected pro isioniig;.

I regards to activating for financial transactions, the intelffigcm can-1 may be c, niii.,..ii d in memory mode when user acquires to disk for exi ripk- a ba#1k, a.
}'fireless o?Cratoi', a third--party pi'svitae#', and/or others. Activation of the can] may i tnciude i.he following two levels: 1) pbysieaiiy, specifying a.nteE#:tacF
under F
Sped& se, of circumstances desired, by the provider: and b) iogii ally, at the financial i#?~'.#ia;$.:i?i tiiL:?3a ttia4 EattF :.i11 3i"i of the iianancial s:,hiC1e .....,,t.e I'n Soz3lE' irnpi+.._ cnrs ins.. activation may be based, at least in par" on device e istrbutor, 20 Ya lC: 3:

j t~$tt > 3`i 3:3fE:i aS3ÃF ~'E9g-i3t X3.}3'}ad :SL:tit Des Ice 1'ifi3 E?
tr'Ã'`83 45'ilt. is ais 3 tt:ti tZ i ode of M ritatteo33 and Antenna /keybnard keyboard vttii:tReidii> Choice d N artoa, t..xr ri.Fade i ~P> )i3.'-iii 3 2?i, at.3 iiliYl..f St.:3Qii }>t r am vale h.J accmn inseit3i a the r i i, n t3,.,U .... $t,,: t:Eii 3dt.c. 13e#utlt. i..at: ML..a:43:t MY f .. w#J a .iv,;
lye and (FV) af.i :L3aC3aia mode Si'SY,'k with <i i3ag36 ^CJ ..2t to part k,.`a i; s t' fliers A ret to i' tstcai. 3etcamt. z'.3,.. S,iac: s..
a3">#a,A`ntora #C. Tit}i11 }?iIf tth>n it .....'i J sifC on the t.iStrt 4 ? .
.ivt. i3iaf )'y i `iC nat L:SFF32:f'.i;Ci:he "n:{">35::: hK :fi#
PO O ad"aw ho t}a#' b and M #C t in :3CC.%ilrf :s ci' E3C t'ii<1r ie1 313:. i t;3>tt it (E135#: 4 df t i.4 .................................
...__,,,.__.1......_........................................... ~-------------------- ..,_ -.;..........................................----....,,,f -------------..........................._,...........::.......::...::....::::.......:.......
....
it SS N or home photm } SZf33Tf3)e 1 he u r)3' .Ji3ii aiao CSÃ?t i r'iia i l v PIN
] airF3nakilay to user 1 a-Ytl?.eF"fFaf:a'>.a)31i a.i:I;E' S;3#'f<::.33e. If hound f a:'a.Ã<31;,, tae dea .re nil 3LtftlF't38. E;;~3.t i~% diai a l;lc, munt'e3' for 'K33> ess connection is not anTa ale as well W::i' is onl, has to l'.Ã$:)ffs:~i~' to F?; f33F:ai {
Et 3E 3 lc t) WN: i_.. , P l t.: 3;3 is in Merl oryr NCzt.,l)i).icalile A' titp,il u Dv.,u has `
,y' a iZ .~tf 3.fi3 4~ 3 S C;j ar::ali it t,) s h o s cue bundled u i?: r~tf?=~iii ced (device co if?e o :. ` pCr tn;

Oft[ie t' tt itt' s a t?;.ndied .4 .13th '--an aCt ;io deice Model to t ev i, r"fic:w.et...; `st ..e vice 41se trorn e ha i^-i3) t }. 7s. Then ,tstic i. s aie , } an , t o . is tuund` d i v ce) \'ini .'T ` ie< 2 3 <ige".`,'ient.

owd 3:illarmatiofi s not fa?,)ii af3Of3, th user is like to ..a ' .. t}..l t tt) ded.:^a.l. rnna 3n ited o ti. up t%iti?
ser ice. : ~C 33.1; htht. is s t to ! t}j)c?Y;3. a s att l' -f J: a t?C ee i 2t 3C +. :3'i?31 ! Ile t f:3#:, Once; sff?3 (p i .f can My used up With host device it i', data is ila: )liciaded ('fvrn 5.# i ,ped S'v tt? tl. At w (her do a3F:,':';Ct be t3lFfj?itt a_ t3 ;. r 3: i liC. afc,iF i::3" use 3e 1` e . can use Woe 3'is;:f3 tiiis su;ct?ari a;nd Sti.. i nult3pte FV . User can iof_ feet t... e 33er : 1)tN

------------------- ....------------------------- ......................... ---------------------------......................................................................
., 2F?i33',.E s 3:'fe i pp ca3. 1133 ,õ~iSf'i3 d deVic(, in:zt ?ctfi .2?3i `(it t> t fS' 3j2 is ^'.Fad to a V,i i1 the del d e.;
the gdu -in W. into ,.
ii:npk mzi,-SS F2+ct for } stick. When PEttpin in Won the s=E3.?2-Eiimm >Coso", F? af.~f2 and --------- -----------------'Not AÃ?}. hc5bk~

i\i.'.i~i i`:'i=:. F:):. Ei): '; C)f3S;; i~: f;. E{.a',::{:2iatF:E ? ;j'i'lfSs Sh ps ). g .s as an ifnp(f..sC3f38i,t.cd, ..):i?3C. ae `3higN t+3 .
as A ' e 'ff3F3 A1 i5i a?3 14 is "WIT'. an interinc, set 1 Nesvs3' : 'can e f3C f? to the 3 ti :;cff :Ef .. .,f. eõ the is SC1 to yC cut 1, premed .3 PWg-1n wit bind 1,? Y iici ?.F<4 .;;33s3 d 1:ce tit: ? lust device it is msortcd, N:..
i ff 1 ,2 i his 1113 nd wince network e vn a.2 ed ?..n .. i35Nr U'Sk c can i.ii 1 w:. :n :..'2-3 at ;:j.c1 5 nioad and etoaci e E.> 3211?3212 i?;.3 b`
=
ia : O&

d3;'GcttNN' to Z',I(. .t`'i wtb,,i`e.
ne'%Neor\
i'ie ice sad io the samc UK in Moak and used on ;?3:2F33lux network, the pine--in w i) ' to .ia2<? ;riii I

.................................................. ...........................
ivvml back to "node.
own me d"Nq Ow ply in will vf."ve.l to th~-= 1 `s~ f ~c C
N o- A:,>i.cab:?:.
i O ? vlc. e i e z .fiaildled offers all f} 2.t:i pt)ofle (?S'fi :4?. t3 i'i i,3te )ew.
:uyesS 3'f d;1:f 2'i:! Fi5 :3 `fJV'i shmins nliti}i3~;{a'}::`~i2t i:.`Ã??SS%ffif?;Y.
f=sr fYJ ii;2" a; and Octwnif.,;1d, !"his i Ae Air.
1 ho rat of Wmawn to zz pal q ;i3Yl";ifzr onleflt applicst;OO (example PURIM 30 S'ps MW F' Z`:, am pe,,e+3Tiff?ifed on the j3fi3 i - NCO" s w b e'. net to s weo-.ile RS,, , One.. i nt ernes C-3 the ovz y>2:: v, ?.: f, =1,.. 3. 3:LL' r~t3i31e t2Y?s;,3:I1<>. E .rti;." e)3J to S:rai:IC Me .j ? i d....it:.:.e:.. As widess ,.fõ lee a3 the PC with cetmm(iori 0f6 (3 f:? iP>tF;ri ei e:ilil1eet E:43 >;>;:etei:J L3A .. tr me Mg .up an the C be V H tine d vi W

}> chi W <^.:i Fps n W 1i 1e s f i;}:}i2chou (et ......
.........................._;..........._........._...................... _.
....-- ............ --- --- .
ice \~i#: di e.e.id>,' 33: it 3i3e< s it)A) :Zt; {?EiJi.5 is?rats r3s E?;
dcwnts? aded (?pit; Ãhe intenwi via thc; c: iidlE:
and ttEen the device is WS'itice In th rp;)e.e.SS !}a rtE34 EJ a t E33.;3i?;. 0) OW dMot, ss z is#:e WlIC31 s'.31'!: Jf E
nm: t{Ea !3a i c's ce, }.iEi :33\tenU

!. i;iEiS_~+wt 3F 2fi(~tJ1f'..
C,iLf the Ed''\'ic.e "aia ii=. fails :aid à -te The e hart is fe'r example purposes only, The user E nay aeti;, it . an tzlt .Ã1i ;enÃ:
card using the some, or different. processes without departing ft-ort_ ile s ope of 7 is a flow chart illustrating an example method 700 for aut o inaticalf ' boot. ,ra .3mi g an intelligent card in response to. at least insertion ii to a host deFice. in card may executf.-'. one or ilrc i e iill.t . nticatio-n procedures prior to actt~',3tii.?it, Many of the steps in this flowchart ii ay take andior Fi~ 200 in :1 . t'l ill : i tiers as 'how n, System sift of SS'ste!n 21 - 3dci c, use ..le F>4Iftod'with additional steps, fewer stops, and/or di. ferent sips. so long as the methods renraili a opri a iehod "..f? begins at step 702 where insertion into host device is detected :.
For kanW the transaction card 1.12 may detect insertion into the mobile device. 110, If a... tent. atii `n its not regi3iied for any aspect of the intelligent card at dec#sio:e: d step 704, `.. en execution ends. If i.tiff"i<ilticati<?Ii is required for at feast one spec then is xe :ità . proce..= s to decisional step 06. conunuMcat on with d -w Ilo,'t device incll:iden one or mor . errors, then, at step 708, a fadale is indicated to the user, In 'tÃl ;xampl4, the transaction card ? 12 may present an indication ,if a t.f3li7:>'i?ililes4t.e Ã'i -rror :O .i.C: E1.s, 3 u;i:in.,: the 3 i .. 1 ` 11 :i i:E?>rF?E?i?ication e.i or is not d t;x' ed it decisional stet? da. the?} cxocutio,i proceeds to decisional stet? 710. In ae?F.z: i s?.Ci:i?e1E1it9C3;? , 1.13.: it .e.l3: f. at >:},, uploads an SD driver to the host device, If the .}ntel z ent card only ieci .res vsicmd authentication, then exec}?titon proceeds to decisional step 712.. If the network Bag is not set. to on, then. at stem 714, the an el.i?T,1 is toured on and t.. ltd lig=i, card is updated Y" s c re . "a;i for f,iC i C: f ~ , itl. ,;fot i3cE:'4`?ems ?A~icEtEi, v. x<li}"iÃ~ 1c, the ' iard 112 may activate the antenna for wireless trannsactiow and update loca.1 i>""ti>..Y ooi 1"--?.la the 1}04-levice SFr;T}i:EÃ:EIre. If the navvor1C flag is, t reed at decisional s e.p 191 t?en, at step? 71C the intelligent cam t wntuits a a.,,,}, s} . > the r et4'vork ID to the host device. Next, at step I s i?C. t lli e.n! card es .; iocall `store-1 network ID, If tne stored network ID and the request network IT) inatc :} at decisional step 720, then the disk is ictiva:ed2 at.
step 7If the, two et e+" i'D's do i?e?t i?Fatch then he antenna is deactivated at stop 722.

3\.,u.ning to decisional step 7 0, if the authentication is not nl r3aysioal tiler, execut:}o a proceeds to decisional step 724. If the authentication de ice. c f? hentication. then, at step 26 the int Jhge?i: +:i?rd transmits a request . it a net ork tl) to the host device, Ar step 728, the intelligent card retrieve, a locally stored devic signatures. if the Intelligent card does not i:ncio., e" at least one ice sii na.'E:ire, dien execution proceeds to decisional step 734. 1i ti?L ,?
tell j C if Card includes one or 13:iore device signatures, then execution proceeds decisional step, 732. nine of the device signatures matches the request network :IDk then e xec=ution A?ieed to decisional step =1. If the signatures and the reques ' fir` ID do nc~l ?} it}..., execution proceeds to seep? 722 for deactivation. If use authentication is not included in the authentication process, then execution proceeds, to ,.i..:
jigs?i.il ;atC::l?

2s 712 for physical authentication. user }?:i1.13e?::}1FLi31?:3:}? is included at clo iiio:nal step 734, 73 2 Ã..ivi. x, ~~~-L3f3C?a3 17i' `cam-i,i 4 ie? step ' ~ .

to decisional step 724, if the authentication 1)iC,cess does not include E t icee <a +l,entie anon, then execution proceed,, to decisional step 736= 11 user rLitbeaticat:i};ii is not included in the process, ih n, at step 722 the int ii e t card is :+} turned o... if .user authentication is .iii fuded, then, at step 1 8, the intel.l:c'e..nt cal-<1 a'',ti?i. St PIN nu` i1?er from 1,1 1.0 user using the host device. While the user authentication d :scribed with respect to enter ng a PIN i ?T Li` h the Wile host il# :e the usC may be authenticated using other in orluation such as i?'F's?:i?eerie:

il>e`..a3 :tt o." (c , tiligolp int), Again returning; to the example! t1-'o tiaiisaetion c<s.rd I - 2 Fn ay F't sent a r'Qgtiest I'm the user to enter a PIN through the GUI
At stop 74 the t.. t.. ri i3. card rct-sieves a locally-stored PIN. If t?3e >tq ie5 PIN and stored .PIN' mati._ at decisional step 742, then exec ..3, on proceeds to decisional step 712 for physical .3 ÃIkC F3.ii=:ition. If the request PIN and th stored 1'IN do : oÃ
ma cli at d :w s.ional s"e13 742, then execution proceeds to decisional step 744, II
t:>e number of attennat ` ave not exceeded a specified thre hold, then returns to step 73i .'=.
If the nunij) r of attempts has exceed to the threshold, then the antenna is dear ivaated at 5ten 22 In the example, if the event that the transaction cal-6 2 fails to autholize the device, network and/or tisei-, the transaction i.'ard 11`. may iiii.eiessl transmit an, inchea.i n to the ,..sso .sated financial institution using the cceltula radio technology of t1 mobile host device 110. In this case, the illustrated n `hod may be iSnptexu `n,c as a:i fraud Control process to substantially Prevent ?F a Ãho a :Ci:i use o the transaction card 112, t`, i .,z 1,f t~.1? 8 is an example call Boyv 800 in son-le >inpte_."ncin,.at.tns of the present disclosur As illustrat =(, Be flow 800 includes t `i S;:.= rk \. v 2, a ho t device 80 4, an intelligent em l $06. and a ter final 80$. lie host is s.c?i3.Ãlsn?ured to C+: FTFIiunicat With the network. $02 and includes lot t6r mser0o:n o t the intelligent card 806. The intelligent card 806 is to transmit 0<3;F3.i3ziFat.:. ii? and receive s ata from a user int0rtitce ~ pplic"ttion 81 0 executed by the host do vi.,.e S TO and execute transactions .inidependc.nt of the host devke:i 810. 1 he card 806 0 ;?z:.it:`e>.m es' a ~. ' i'sc.: ' 8for 12 executing transactions and d a 1;F.vii'~.. 1Fp?si:, c8=S4 Or coniit`aweathi with the terminal. 808. The.. CPU 812 i'xecEÃ'e a host controller/API
interface $10 onfgured to transmits commands in a ldrna compatible with the host de-vice :sÃ.4 and . t>nvert data Out the ho m device $04 to a farm compatible With than CPU $12.

.As illustrated., the Dow $00 may include multiple sessions 820 between the host silk. z+.:. and the iia 806 and between the card 8I' O and the ÃeT-r 3iu o 808. session 820a. illustrates a session niauaiged by the :card $06 u--,mg the network c.apa ? l.. s.:,> of the host device 810. 133 this example, the cud 806 tiraa5>Itià data for transmission though a cellular network connected to th host device 804, and after >eceii.iri: he cellular data, the ho tit device 804 transmits the data to the network 802, in response ceiving data from Cho network 802, the host device. 804 may i3.t3:ia v si? c ii ti'i3f? ii:ilt: th ,':tc ive d t s tt? the ;`ctrd 806. Jo 3C?m i{?'iI~JG#t2emati ns. tt e card S06 max transmit a request for t device signature to the host device 804 as-illi#strated in, session t b. For example, the card S,,)6 ma-, t'4:CeEi~: t the device.
StgiiitUIv ; uaing a bootstrapping process. The session 820c ÃWEistaates that a user nna 0 ; .ib_nit .:: ?;let to the card 806 through the interface of the host device 804, For example, the. 'user nnns' request that the disk display the user's uransaction history through the iiite{...{e : of the host device $04.

command to activate or Si soil In:?31L'=ii=ilÃatimis, the card 806 ma a trough the host device $04 as illustrated in session 8204. i ,oi`
c=0 ex n.E>; :: .t ??:iii.t#7 ial institution may idenffly irregular cornrua-id ct < t network $02 to deactivate the Card S,06 w card Si, )6 may.
authorize a user by requesting a PIN using Lie host mice $64. As i .lustrated in session $ 0 , the user may submit a PIN to the cad 806 Ong the AM= e of be ho t devle 804, and in response to an evaluation of die submitted PziN. the C.# I'd S()6 may 15 present through the host device 804 an indication that the user ti'i #.citiss#? is licee sx,,d or has Railed, In some iiiii:?lenis.Iitdtions, a user and/or financial institution ii ay request a Ã3an,,action history of the cam 806 as illustrated ,#t sessioIn 820h. For C'Y<3Aixi".s e.., a financial instiÃiiti<_iI may t insmii a request for the transaction history through the network 802 connected to the host device $04, and in response to at east: in 2 the i:=tiuest, the card 806 may transmit die trans?~:'t:ion his .s.:, to th : financial 3iitit i.teno using the network 03 connected to the host device 804. In. some inipleiime#., to ions, the user may present offline Web pages stored in the can-1 806 as illustrated nt session 820, For a: xample, the card 806 may receive a regifese pre :e:nt ?:Iii : t. tii3:. :i :t? `<i e :from Ilfe. user' using the host device S 4 and pfc,,`nt ilft. ?.Ã'ti#:Iif ?3<i '. {:I;%n' he t RL t the i.`.&1uesit, In soru';tt` fI'Iit?ta~?Ii C.#'ItittiC?i3 daza sire in the memory ;# Card 806 nl t,' be presented hrough, IC?A em in plc, the host device 140 t as Mounted in session 820h. For xangle.. the user may request specih .
inibrinatit>n.
associated with a t{'?Iisa kri on a certain data and the i a:"d $06 may r trieve the data and pieseni.. the data to the user using be host device 804. In addifiori, the user- may ,tc write data to the t3:i4`.mo! in di c, card $06 as ii#ustrated in session 8201. F o)- i. 1 the ? ><.y` update. transaction d rte; with an annotation, and in response to at .,Gist the st.the card 406 ill: y indicate whether the update was a swcus or Mum, ..
AN

Bards to session between the card 806 and tile terminal,, the ow 80 %
to , i~ 'l ttltislrates the p rsonalizat#:on. session 82()k and the transaction session 8201, in r girds i?ers F.,, .i.nmon, a fin F:nci#fi inst tueion may pers ?m.li, e ; card 806 ith user er dent.':i3 < user applications. Web pages, aud:'oi' other IF3ai?.ii~
<3t'^i as illustrated in session 8 ?\. 'For E anlp.le. the terminal 808 may transmit a pioTi.`io r3 ;
request to tax: card 'n"'.'6 Including associated data. The protocol translation 8.8n-my translate tile.
a utit?..s _.i ai#E?t: tf.l i.if. t to la .ltsi iii C)i"31?G4t: lal4 with t1a( card ltf2 in reset nse to <it least the i'.Laia: si, the CPU 812 transmit an indication whether the #e:r'sonalizabiont was success or not sii:ic the protocol translation 818, Prior to the terminal executing a iianseeti<tai, ti p. ter'.f3tinal 8=t may submit a transaction challenge to t e h card '3,06 a, illum,ated ill session 8201. In this case, the card S06 may identity <a de. tc signature of the lost device $04, present. associated data to the user thrs:sa.ig the host device 804, itnd ti: ii 3ta.t the i attire tot e terminal 80$ using The protocol nanslatio.u 818.

9 is,, a flow chart illustration an example t, ethod 9-00 ft "r a 15 wireless transaction system n. including an intelligent card. In general, ail intelligent card max execute one or more activation processes in res ons to, ri?: exi3i ple, a 1u,...o...., ' i n Win a ais4i". Many of the Jtt p? r4 in this fl`. _ o,.Y;1m may take; place and/m- in dif'C rent orders as shown, System 1 00 em system 200 may use With additional steps. 6 wei' steps, and/or ditterent steps so long as the `0 me;tii~. ds .csn a.in 'sfa:3a:41-opri it .

.ins at step 902 where a request tf o activate ., a:ii".:a4 do > ;,. ard is . e,a>..:3i:1 ?00 beg a'ecei4 ed. For exa: mplfe, tile user Tim.) select a graphical element displ<ayed through the (IC! of a mobile host device 110 in FIGURE 1. If arc account < c:t?,.iii x i a Ali ded at decisional step :st) 1, then at step t;tti) a 1;equ st to activate the ss()<',3:ated 25 financial account is . iielessly transmitted to financial institution usi:n ellulai radio tf i ,i3 i. ai? of the host device. For example, the trans .tc io l card 2d of may w helm s trr nsa it an. aet:,'i nation reutaest to the lanan+_'ial iw'A
ttition 106 us ?g the 'is a.., i#a. activation.
cellular raft tt;CaFtioolL., ,..y) of z be Mae host l xos, device <:3G4 1104.
U' an acco no. it.-c. tted, then execution proceeds to decisional step 908. I card actin at:ion is not included, en ` xectaut>ia ends, card activation is included, then !'=.x tit oii e?õoceeds de 6~,ioi al step? 910. If an activation code is not included, then at step 9 , one o>
t to r 12 more preprogrammed questions are presented to the user usil'g the GUI of the host df .'ice. Rvttmiing to the initial e,,ample, t 1w transaction card 112 may identify locally and present the questions to the user using the 3U4 .i t + . the mobile host 10, At Sti l3 locally-stored answers to t e Programme . question are Returning to al't<s;,c?Ea<al step 91% if an activatimi code is KOMI tell execution .)roe eÃis to decisional stet? 916. If the activation code is manually entered >?Sr the a = then at step 91Q a request for the activation i;:C?dZ is p#GJC'F1e:C'.'i:l to :.:t:. user through the GUI 0.. the. mobile host dcviee.. in the i111.t:ial f .'i t=, the trail action car l 112 may `resent a request in activation code such as a string `t char icters to the user dooa h the GUI ill of the mobile host de ice 111 If the activati fn code is not il l<a:try entered by the usei, then at step 920, the transaction card v4ire1Lst4y transmits ?+? a t ili s ..v3' the activation cote using the cellular radio technology of the host device, In the cellular ex ample the transaction card 112 may transmit a request to to financial i ns.iti,iion tusmag the cellular core network 202. In ether Base, the Fat .
' st:CY'<:d:t activation code is identified at steps 922. If the locally stored infornazi.a.i."'wk the pro ided miormation at de isional step 924, t ten at stet? 926. the transaction card 4S
3' ui ac itiate.= . For example, the transaction card 112 may activate in response v) at least a use tt >t a >i 313 a c :ice tit .iS ati<:?i. L?C C tlif'E?tit la the GUI 111.
It the provided infoim tion does nol match the locally stored int:or ation, then execution eds.

TIGURoES .tdA and. LOB illustrate example cards 1000 and 100), respectively, 'ta`i h _.sing the transaction card 112 of FIGURE 1. For exa.ii';.apla = the `transaction cards 1 + 112 may be inserted into the cards 1000 and 1020 during the personalization process and op dis,..nution 3rocesses. By exel utiag personalization b;hilt' ins rte, tahe tra.E3sactavi.t and l 1 2 may _?e ?LrSC)Ti<alled af5,t?. the sa "{3t yslems used o pe onalize smart cards with substantially no ,al orations in other words, the _ards 10t?0 anti NCO, iiaa! 'nave subsea nti tllx si:ia-li`ar dii-nensions a. smart ca> ds si.ic a t:3at p rsonali Fa.tim-, 25 : ist+ ms ``ta.y s mi.<iarÃy pri_cess t e cards ION) and; >r th< .ti,2i.f.
in FIIGL RE'. 1()A, the cards 100\ ncludes a sl t 1002 Idrined to hold the tfani C: 1.t`fa. Ca:fd 1 12. for example, t e slot 1002 may .retain the t.ransact.:ion curd i.fsing a frictional fit s li ;as internal < t When retained in the slot 1002, the. transact. ?n ciar:l tay be sabst> nttaa. y flush the t=.:ront and back suF l aces of the ca.Ed 1000. lli l<1(<Ã.l%.l l #B, ast .?.% the card .?.Z..+; ttt i?lLl?,#df;R ;2 f2^ = to:ei` s+ tFc.a3::cEs' tiE.
In sa >... rd lit . :it+ > l4%
g Pocket t i 1.,,, 1ia1:i3:i11S.;fiat ldlace nt a s`Fr.l we of the card 1020. in somw implementattion s, the c 1rd`i 090 and lt; '.t .t3.a;) ,aC:itldy ia?e`'`sgFaL;tic it1'ips tt? axC'*%tltz lSirltta<:t: t:'Ft12sFe.tit':s1a;i.

., N.t=E ,>E Et: <i ?ts#i"#i"'i> oil' .'#i).bt; i323 I s of the invention have een : i.sC E` , .

be understood that various modifications may be made :=ii om d paliiIF, 11-o ill the Nor. i3 :an scope of the i:ilvention, AGc `idi#:i-I?y othe Qnibodf#nc,,Eits . Ee v it.hii? the

Claims (34)

1. A micro SecureDigital (microSD) payment card, comprising:
a microSD interface that connects to a microSD slot of a mobile host device;
a communication module that wirelessly receives RF signals from and transmits RP signals to a retail terminal;
secure memory that stores user credentials and a payment application used to execute financial transactions with the retail terminal, the user credentials and the payment application associated with a financial institution;
a user-interface module that presents and receives information through the GUI

of the mobile host device; and a processing module that executes the payment application using the user credentials in response to at least a transaction request received by the RP
module and transmits at least one transaction response to the retail terminal based, at least in part, on the executed payment application.
2. The microSD payment card of claim 1 , the user credentials associated with one of a credit card account, a checking account, a debit account, a gift account, or a prepaid account.
3. The microSD payment card of claim 1 , wherein the processing module comprises:
a security module that generate the transaction response based, at least in part, on the user credentials and the payment application; and an operating system with a runtime environment that executes the payment application independent of the mobile host device.
4. The microSD payment card of claim 1 , wherein the communication module comprises a protocol translation module, an antenna tuning circuit, a power circuit, and a miniature antenna tuned to exchange wireless data with the retail terminal.
5. The microSD card of claim 1 , wherein the user-interface module presents information associated with the requested transaction through the GUI

of the mobile host device.
6. The microSD card of claim 5, further comprising a locally-executed Web server that generates the presented information based, at least in part, on at least one of real-time content during the transaction, locally-stored offline content, or online content associated with the financial institution.
7. The microSD card of claim 5, wherein the user-interface module further presents a request for user identification including at least one of a Personal Identification Number (PIN), user ID and password, or biometric signature through the GUI of the mobile host device, the processing module further verifies the submitted user identification with user identification locally stored in the secure memory prior executing the requested transaction.
8. The microSD card of claim 7, the processing module further deactivates the communication module in response to at least a number of PIN entry events exceeding a threshold.
9. The microSD card of claim 1 , wherein the communication module selectively switches an RF antenna between an activate state and an inactivate state in response to at least an event.
10. The microSD card of claim 9, wherein the switching event includes a selection through the GUI of the mobile host device.
11. The microSD card of claim 1, wherein the wireless RF signals comprise at least one of contactless signals, proximity signals, Near Field Communication (NFC) signals, Bluetooth signals, Ultra-wideband (UWB) signals, or Radio Frequency Identifier (RFID) signals.
12. The microSD card of claim 1 , wherein the communication module further comprises a protocol translation module that translates signals between wireless protocols compatible with the retail terminal and an internal transaction application.
13. The microSD card of claim 1, further comprising a cryptographic module that decrypts received signals prior to processing by the payment application and encrypts at least part of the transaction response prior to wireless transmission.
14. The microSD card of claim 1, further comprising an authentication module that authenticates at least one of a network of the mobile host device, the mobile host device, or a user.
15. The microSD card of claim 14, the authentication module further deactivates the antenna in response to at least a failure to authenticate the at least one of the network of the mobile host device, the mobile host device, or the user.
16. The microSD card of claim 1, wherein the microSD payment card is initialized in response to at least insertion in the microSD slot of the host device.
17. The microSD card of claim 1, further comprising a bootstrap module that executes one or more authentication processes in response to at least insertion in the microSD slot of the mobile host device.
18. The microSD card of claim 17, wherein the one or more authentication processes authenticates at least one of a network, a mobile host device, or a user.
19. The microSD credit card of claim 1, further comprising an activation module that activates the microSD card and transmits to the financial institution a request to activate an associated user account in response to at least a user request or an initial insertion into the mobile host device.
20. The microSD card of claim 19, wherein the microSD card is activated based, at least in part, on a user manually entering an activation code through the GUI
of the mobile host device.
21. The microSD card of claim 1, further comprising an Application Program Interface (API) that wirelessly communicates with a financial institution using cellular radio technology of the mobile host device.
22. The microSD card of claim 1, wherein the microSD card executes the requested transaction independent of loading a driver onto the mobile host device.
23. The microSD card of claim 1, wherein the microSD card emulates a contactless payment card when communicating with the retail terminal.
24. The microSD card of claim 1, further comprising a power module that receives power from the mobile host device and RF signals received by the communication module and automatically switches to a passive mode in response to at least loss of power from the mobile host device.
25. The microSD card of claim 1, wherein an enterprise at least associated with the financial institution uploads personalization data prior to activation, wherein the personalization data includes the user credentials, the payment application and at least one of operational flags, rule table or user interface.
26. The microSD card of claim 25, the communication module further operable to update the personalization data after activation in response to at least one of a wireless signal including secure update instructions or a wired signal through a client connected to the microSD payment card.
27. The microSD card of claim 1, the processing module further operable to transmit a notification to the Financial institution using the mobile host device in response to an activity violating one or more fraud control rules.
28. The microSD card of claim 1 , the processing module further operable to populate a Web page with user credentials for executing an Internet transaction in response to at least a request from a client connected to the microSD card.
29. The microSD card of claim 1, wherein the microSD card substantially maintains attributes of the mobile host device.
30. The microSD card of claim 29, wherein the attributes include at least one of dimensions, accessibility to peripherals, charging, battery life, signal strength, access to the GUI, connectivity to wireless networks, or interface capability with clients.
31. The microSD card of claim 29, wherein the substantially maintained attributes do not void certification by regulatory authorities or a warranty of the mobile host device.
32. A microSD card, comprising:
a microSD interface that connects to a microSD slot of a mobile host device;
a communication module that wirelessly receives RF signals from and transmits RF signals to a retail terminal;
secure memory that stores user credentials and a payment application used to execute financial transactions with the retail terminal, the user credentials and the payment application associated with a financial institution;
a security module that identifies the payment application and user credentials in response to at least a transaction request received by the communication module and encrypts a transaction response prior to transmitting to the retail terminal;
and an operating system with a runtime environment that executes the payment application to generate the transaction response independent of the mobile host device.
33. The microSD card of claim 32, further comprising a user-interface module that presents and receives information through a GUI of the mobile host device.
34. The microSD card of claim 32, the user credentials associated with one of a credit card account, a checking account, gift account, or a prepaid account.
CA2697759A 2007-09-12 2008-09-12 Wirelessly executing financial transactions Abandoned CA2697759A1 (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US97181307P 2007-09-12 2007-09-12
US60/971,813 2007-09-12
US12/209,087 US9384480B2 (en) 2007-09-12 2008-09-11 Wirelessly executing financial transactions
US12/209,087 2008-09-11
PCT/US2008/076158 WO2009036264A1 (en) 2007-09-12 2008-09-12 Wirelessly executing financial transactions

Publications (1)

Publication Number Publication Date
CA2697759A1 true CA2697759A1 (en) 2009-03-19

Family

ID=40119295

Family Applications (8)

Application Number Title Priority Date Filing Date
CA2698885A Abandoned CA2698885A1 (en) 2007-09-12 2008-09-11 Interfacing transaction cards with host devices
CA2698890A Abandoned CA2698890A1 (en) 2007-09-12 2008-09-11 Presenting web pages through mobile host devices
CA2698417A Abandoned CA2698417A1 (en) 2007-09-12 2008-09-11 Wirelessly executing transactions with different enterprises
CA2698891A Active CA2698891C (en) 2007-09-12 2008-09-11 Selectively switching antennas of transaction cards
CA2699448A Abandoned CA2699448A1 (en) 2007-09-12 2008-09-12 Wirelessly accessing broadband services using intelligent covers
CA2698684A Expired - Fee Related CA2698684C (en) 2007-09-12 2008-09-12 Updating mobile devices with additional elements
CA2697759A Abandoned CA2697759A1 (en) 2007-09-12 2008-09-12 Wirelessly executing financial transactions
CA2699456A Abandoned CA2699456A1 (en) 2007-09-12 2008-09-12 Receiving broadcast signals using intelligent covers for mobile devices

Family Applications Before (6)

Application Number Title Priority Date Filing Date
CA2698885A Abandoned CA2698885A1 (en) 2007-09-12 2008-09-11 Interfacing transaction cards with host devices
CA2698890A Abandoned CA2698890A1 (en) 2007-09-12 2008-09-11 Presenting web pages through mobile host devices
CA2698417A Abandoned CA2698417A1 (en) 2007-09-12 2008-09-11 Wirelessly executing transactions with different enterprises
CA2698891A Active CA2698891C (en) 2007-09-12 2008-09-11 Selectively switching antennas of transaction cards
CA2699448A Abandoned CA2699448A1 (en) 2007-09-12 2008-09-12 Wirelessly accessing broadband services using intelligent covers
CA2698684A Expired - Fee Related CA2698684C (en) 2007-09-12 2008-09-12 Updating mobile devices with additional elements

Family Applications After (1)

Application Number Title Priority Date Filing Date
CA2699456A Abandoned CA2699456A1 (en) 2007-09-12 2008-09-12 Receiving broadcast signals using intelligent covers for mobile devices

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EP (8) EP2201800A2 (en)
JP (3) JP2010539813A (en)
KR (2) KR101354804B1 (en)
CN (3) CN101809633B (en)
AT (2) ATE519327T1 (en)
AU (3) AU2008298886B2 (en)
BR (3) BRPI0816324A2 (en)
CA (8) CA2698885A1 (en)
ES (1) ES2388695T3 (en)
HK (3) HK1145237A1 (en)
MX (2) MX2010002838A (en)
MY (2) MY152556A (en)
PL (1) PL2196010T3 (en)
SG (2) SG184734A1 (en)
WO (9) WO2009036183A1 (en)

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US20090065571A1 (en) 2009-03-12
US20090070272A1 (en) 2009-03-12
US9225718B2 (en) 2015-12-29
US20110053560A1 (en) 2011-03-03
WO2009036393A1 (en) 2009-03-19
CA2699456A1 (en) 2009-03-19
EP2201800A2 (en) 2010-06-30
US9016589B2 (en) 2015-04-28
CN101809977A (en) 2010-08-18
US8380259B2 (en) 2013-02-19
US20090069050A1 (en) 2009-03-12
US20090070691A1 (en) 2009-03-12
US9384480B2 (en) 2016-07-05
WO2009036191A2 (en) 2009-03-19
US8381999B2 (en) 2013-02-26
EP2201499A1 (en) 2010-06-30
KR101354804B1 (en) 2014-01-22
EP2196008B1 (en) 2011-08-03
KR20100075497A (en) 2010-07-02
JP2015136121A (en) 2015-07-27
BRPI0816324A2 (en) 2015-03-24
US20110177852A1 (en) 2011-07-21
WO2009036183A1 (en) 2009-03-19
ATE519327T1 (en) 2011-08-15
US20090070861A1 (en) 2009-03-12
WO2009036141A1 (en) 2009-03-19
MX2010002838A (en) 2010-06-09
HK1148100A1 (en) 2011-08-26
PL2196010T3 (en) 2012-11-30
WO2009036395A1 (en) 2009-03-19
AU2008298581A1 (en) 2009-03-19
EP2196010B1 (en) 2012-07-04
CN101828205B (en) 2012-08-29
US20110136539A1 (en) 2011-06-09
BRPI0816693A2 (en) 2015-03-17
CN101809633A (en) 2010-08-18
WO2009036165A1 (en) 2009-03-19
EP2196010A2 (en) 2010-06-16
US20160026996A1 (en) 2016-01-28
WO2009036264A1 (en) 2009-03-19
US20090069051A1 (en) 2009-03-12
US20140323092A1 (en) 2014-10-30
CN101809633B (en) 2013-03-20
ES2388695T3 (en) 2012-10-17
US8548540B2 (en) 2013-10-01
EP2196009B1 (en) 2012-02-22
HK1145237A1 (en) 2011-04-08
US20130292479A1 (en) 2013-11-07
JP2010541036A (en) 2010-12-24
HK1147587A1 (en) 2011-08-12
AU2008298677B2 (en) 2013-03-07
US20140040117A1 (en) 2014-02-06
US9106647B2 (en) 2015-08-11
US20140129356A1 (en) 2014-05-08
EP2201540A1 (en) 2010-06-30

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