APRIVA, LLC Patent applications |
Patent application number | Title | Published |
20160092880 | SYSTEM AND METHOD FOR FACILITATING A PURCHASE TRANSACTION USING A MERCHANT DEVICE BEACON - In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway processes the purchase transaction based on the payment account information. | 03-31-2016 |
20160092861 | SYSTEM AND METHOD FOR PROCESSING A BEACON BASED PURCHASE TRANSACTION - In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway processes the purchase transaction based on the payment account information. | 03-31-2016 |
20160092860 | SYSTEM AND METHOD FOR FACILITATING A PURCHASE TRANSACTION USING A CUSTOMER DEVICE BEACON - In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway Processes the purchase transaction based on the payment account information. | 03-31-2016 |
20160092859 | SYSTEM AND METHOD FOR FACILITATING A PURCHASE TRANSACTION USING BEACON EQUIPPED DEVICES - In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway processes the purchase transaction based on the payment account information. | 03-31-2016 |
20150117646 | SYSTEM AND METHOD FOR PERFORMING A SECURE CRYPTOGRAPHIC OPERATION ON A MOBILE DEVICE INCLUDING AN ENTROPY FILTER - In a mobile communication device, multiple sets of sensor measurement data are obtained, each from a corresponding hardware sensor resident on the device. Insufficiently random data is filtered from each of the data sets to produce random data sets which are combined to produce entropy data which is stored in an entropy data cache. An entropy pool is monitored to determine a level of entropy data available and, based on the level determined, entropy data is provided from the entropy data cache to the entropy pool. Entropy data from the entropy pool is then applied to perform a cryptographic operation such as the generation of an encryption key for encrypting communications sent or received by the mobile communication device. | 04-30-2015 |
20150117644 | SYSTEM AND METHOD FOR PERFORMING A SECURE CRYPTOGRAPHIC OPERATION ON A MOBILE DEVICE BASED ON A USER ACTION - In a mobile communication device, multiple sets of sensor measurement data are obtained, each from a corresponding hardware sensor resident on the device. Insufficiently random data is filtered from each of the data sets to produce random data sets which are combined to produce entropy data which is stored in an entropy data cache. An entropy pool is monitored to determine a level of entropy data available and, based on the level determined, entropy data is provided from the entropy data cache to the entropy pool. Entropy data from the entropy pool is then applied to perform a cryptographic operation such as the generation of an encryption key for encrypting communications sent or received by the mobile communication device. | 04-30-2015 |
20150117643 | SYSTEM AND METHOD FOR PERFORMING A SECURE CRYPTOGRAPHIC OPERATION ON A MOBILE DEVICE COMBINING DATA FROM MULTIPLE SENSORS - In a mobile communication device, multiple sets of sensor measurement data are obtained, each from a corresponding hardware sensor resident on the device. Insufficiently random data is filtered from each of the data sets to produce random data sets which are combined to produce entropy data which is stored in an entropy data cache. An entropy pool is monitored to determine a level of entropy data available and, based on the level determined, entropy data is provided from the entropy data cache to the entropy pool. Entropy data from the entropy pool is then applied to perform a cryptographic operation such as the generation of an encryption key for encrypting communications sent or received by the mobile communication device. | 04-30-2015 |
20150117642 | SYSTEM AND METHOD FOR PERFORMING A SECURE CRYPTOGRAPHIC OPERATION ON A MOBILE DEVICE USING AN ENTROPY POOL - In a mobile communication device, multiple sets of sensor measurement data are obtained, each from a corresponding hardware sensor resident on the device. Insufficiently random data is filtered from each of the data sets to produce random data sets which are combined to produce entropy data which is stored in an entropy data cache. An entropy pool is monitored to determine a level of entropy data available and, based on the level determined, entropy data is provided from the entropy data cache to the entropy pool. Entropy data from the entropy pool is then applied to perform a cryptographic operation such as the generation of an encryption key for encrypting communications sent or received by the mobile communication device. | 04-30-2015 |
20150117638 | SYSTEM AND METHOD FOR PERFORMING A SECURE CRYPTOGRAPHIC OPERATION ON A MOBILE DEVICE BASED ON A CONTEXTUAL VARIABLE - In a mobile communication device, multiple sets of sensor measurement data are obtained, each from a corresponding hardware sensor resident on the device. Insufficiently random data is filtered from each of the data sets to produce random data sets Which are combined to produce entropy data which is stored in an entropy data cache. An entropy pool is monitored to determine a level of entropy data available and, based on the level determined, entropy data is provided from the entropy data cache to the entropy pool. Entropy data from the entropy pool is then applied to perform a cryptographic operation such as the generation of an encryption key for encrypting communications sent or received by the mobile communication device. | 04-30-2015 |
20150117637 | SYSTEM AND METHOD FOR PERFORMING A SECURE CRYPTOGRAPHIC OPERATION ON A MOBILE DEVICE SELECTING DATA FROM MULTIPLE SENSORS - In a mobile communication device, multiple sets of sensor measurement data are obtained, each from a corresponding hardware sensor resident on the device. Insufficiently random data is filtered from each of the data sets to produce random data sets which are combined to produce entropy data which is stored in an entropy data cache. An entropy pool is monitored to determine a level of entropy data available and, based on the level determined, entropy data is provided from the entropy data cache to the entropy pool. Entropy data from the entropy pool is then applied to perform a cryptographic operation such as the generation of an encryption key for encrypting communications sent or received by the mobile communication device. | 04-30-2015 |
20150117636 | SYSTEM AND METHOD FOR PERFORMING A SECURE CRYPTOGRAPHIC OPERATION ON A MOBILE DEVICE - In a mobile communication device, multiple sets of sensor measurement data are obtained, each from a corresponding hardware sensor resident on the device. Insufficiently random data is filtered from each of the data sets to produce random data sets which are combined to produce entropy data which is stored in an entropy data cache. An entropy pool is monitored to determine a level of entropy data available and, based on the level determined, entropy data is provided from the entropy data cache to the entropy pool. Entropy data from the entropy pool is then applied to perform a cryptographic operation such as the generation of an encryption key for encrypting communications sent or received by the mobile communication device. | 04-30-2015 |
20130137430 | SYSTEM AND METHOD FOR REGISTRATION FOR APPLICATION PROGRAM DEPLOYMENT - A communication system includes a development sector for registering a plurality of wireless devices, a business sector for controlling utilization of an application program and for receiving application data, a service sector for deploying the application program and for providing the application data to the business sector in accordance with communication with at least one wireless device of the plurality; and a mobile sector comprising the plurality of wireless devices, each device for receiving the application program deployed by the service sector, executing the application program in response to the business sector, and communicating with the service sector to support provision of the application data to the business sector. Deployment of application programs may be controlled by the business sector or the development sector by rendering an application program or auxiliary device available for use only after a particular time or after receipt of a message. | 05-30-2013 |
20130117170 | SYSTEM AND METHOD FOR SECURE PROVISION OF CUSTOMER DATA IN A LOYALTY PROGRAM - Anonymous marketing is provided to participating customers in a loyalty campaign. Customer data is obtained from the participating customers and stored on a customer database. The customer data includes personal identification data which inherently reveals the identities or contact destinations of the participating customers. Without sharing personal identification data with a business interested in marketing to participating customers, only anonymous customer data is provided to such a business. An anonymous designation of target customers can then be obtained from the business. Marketing information can then be provided to the target customers on behalf of the business without ever having shared personal identification data with the business. | 05-09-2013 |
20130117128 | SYSTEM AND METHOD FOR SECURE MARKETING OF CUSTOMER DATA IN A LOYALTY PROGRAM - Anonymous marketing is provided to participating customers in a loyalty campaign. Customer data is obtained from a customer via a mobile communication device of the customer and stored on a customer database. The customer data includes personal identification data which inherently reveals the identities or contact destinations of the participating customers. Without sharing personal identification data with a business interested in marketing to participating customers, marketing content and designated marketing criteria are obtained from the business entity. Target customers are then selected based on the designated marketing criteria. The marketing content is then be provided to the target customers on behalf of the business without ever having shared personal identification data with the business. | 05-09-2013 |
20130117126 | SYSTEM AND METHOD FOR SECURE MANAGEMENT OF CUSTOMER DATA IN A LOYALTY PROGRAM - Anonymous marketing is provided to participating customers in a loyalty campaign. | 05-09-2013 |
20130117087 | SYSTEM AND METHOD FOR AUTHENTICATING ELECTRONIC TRANSACTION INSTRUMENTS - Security is provided to electronically performed transactions by authenticating transaction instruments (such as electronic coupons, electronic receipts and electronic vouchers such as electronic tickets) that are utilized by a customer in a transaction, such as by a participating customer in a loyalty program. In an electronic wallet application provided on a mobile communication device, for example, digital signatures are applied to verify the authenticity of such transaction instruments when communicated between the communication device and a gateway that effectuates such transactions and defines, manages, distributes, processes and/or applies the corresponding transaction instruments. Digital signatures may also be applied to verify the authenticity of transaction instruments and related data when communicated between the gateway and other entities or systems. | 05-09-2013 |
20130046608 | METHOD AND SYSTEM FOR ENROLLING A CUSTOMER IN A LOYALTY CAMPAIGN BASED ON A MOBILE DEVICE IDENTIFIER - A loyalty gateway ( | 02-21-2013 |
20130046600 | RULE BASED SELECTION OF A TRANSACTION INSTRUMENT IN A LOYALTY CAMPAIGN - A loyalty gateway ( | 02-21-2013 |
20130046599 | METHOD AND SYSTEM FOR OBTAINING CUSTOMER SELECTION OF A TRANSACTION INSTRUMENT IN A LOYALTY CAMPAIGN - A loyalty gateway ( | 02-21-2013 |
20130041745 | METHOD AND SYSTEM FOR ENROLLING A CUSTOMER IN A LOYALTY CAMPAIGN WITH A SHAREABLE BENEFIT - A loyalty gateway ( | 02-14-2013 |
20130041744 | METHOD AND SYSTEM FOR ANONYMOUSLY ENROLLING A CUSTOMER IN A LOYALTY CAMPAIGN - A loyalty gateway ( | 02-14-2013 |
20130041743 | METHOD AND SYSTEM FOR ENROLLING A CUSTOMER IN A LOYALTY CAMPAIGN BASED ON A TRANSACTION INSTRUMENT - A loyalty gateway ( | 02-14-2013 |
20130041739 | METHOD AND SYSTEM FOR ADDING A TRANSACTION INSTRUMENT TO A LOYALTY CAMPAIGN - A loyalty gateway ( | 02-14-2013 |
20130041736 | METHOD AND SYSTEM FOR ADDING A MERCHANT TO A LOYALTY CAMPAIGN - A loyalty gateway ( | 02-14-2013 |
20120269346 | DEVICE AND SYSTEM FOR FACILITATING COMMUNICATION AND NETWORKING WITHIN A SECURE MOBILE ENVIRONMENT - The present invention relates generally to facilitating secure voice and data communication by way of a commercially available communication device (i.e., smartphone/smartdevice). Specifically, the device and system for pairing a specialized cryptographic device with a non-specialized communication device, wherein the two devices engage in bidirectional communication to facilitate encryption of voice and data for secure transmission over a network. While providing the sensitive cryptographic features for secure communications, the cryptographic device further implements and enforces security policies for the communication device by way if an intermediary native application executed at the communication device. The encryption device is suitably designed to be carried discreetly and may be used in conjunction with a commercially available communication device. | 10-25-2012 |
20120266132 | SYSTEM AND METHOD FOR DEVELOPING AN APPLICATION PROGRAM FOR WIRELESS DEVICES - A communication system includes a development sector for registering a plurality of wireless devices, a business sector for controlling utilization of an application program and for receiving application data, a service sector for deploying the application program and for providing the application data to the business sector in accordance with communication with at least one wireless device of the plurality; and a mobile sector comprising the plurality of wireless devices, each device for receiving the application program deployed by the service sector, executing the application program in response to the business sector, and communicating with the service sector to support provision of the application data to the business sector. The wireless device, such as a cell phone, personal digital assistant, or palm top computer may include an auxiliary device such as a bar code scanner, a magnetic stripe card reader, or a printer. | 10-18-2012 |
20120231844 | SYSTEM AND DEVICE FOR FACILITATING A TRANSACTION BY CONSOLIDATING SIM, PERSONAL TOKEN, AND ASSOCIATED APPLICATIONS FOR ELECTRONIC WALLET TRANSACTIONS - The invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 09-13-2012 |
20120166270 | SYSTEM AND DEVICE FOR FACILITATING MOBILE ENROLLMENT AND PARTICIPATION IN A LOYALTY CAMPAIGN - The present invention relates generally to consolidating loyalty campaign enrolment procedures and centralizing management and storage of both merchant and customer information relating to loyalty campaign implementation and participation. Specifically, the device and system provides a means whereby merchants are able to unilaterally implement loyalty campaigns and encourage enrolment through an automatic enrolment procedure. The system implements the messaging infrastructure of mobile communication device to associate a phone number with a customer such that enrolment to a merchant's loyalty campaign requires little more than the customer's use of a recognized transaction instrument and a remote communications device. | 06-28-2012 |
20120150749 | METHOD AND SYSTEM FOR SECURING PIN ENTRY ON A MOBILE PAYMENT DEVICE UTILIZING A LOCKED BUFFER - A mobile communication device | 06-14-2012 |
20120143771 | METHOD AND SYSTEM FOR SECURING PIN ENTRY ON A MOBILE PAYMENT DEVICE BY DISABLING TONE EMISSIONS - A mobile communication device | 06-07-2012 |
20120136797 | SYSTEM AND METHOD FOR CONSOLIDATING NETWORK, IDENTIFICATION AND TRANSACTION FUNCTIONS ON A COMMUNICATION DEVICE - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 05-31-2012 |
20120130901 | SYSTEM AND METHOD FOR CONSOLIDATING IDENTIFICATION AND TRANSACTION FUNCTIONS ON A COMMUNICATION DEVICE - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 05-24-2012 |
20120116965 | SYSTEM AND METHOD FOR CONSOLIDATING NETWORK AND TRANSACTION FUNCTIONS ON A COMMUNICATION DEVICE - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 05-10-2012 |
20120108296 | SYSTEM AND METHOD FOR CONSOLIDATING NETWORK AND IDENTIFICATION FUNCTIONS ON A COMMUNICATION DEVICE - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 05-03-2012 |
20110246317 | SYSTEM AND DEVICE FOR FACILITATING A TRANSACTION THROUGH USE OF A PROXY ACCOUNT CODE - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 10-06-2011 |
20110244920 | SYSTEM AND DEVICE FOR CONSOLIDATING SIM, PERSONAL TOKEN, AND ASSOCIATED APPLICATIONS FOR ELECTRONIC WALLET TRANSACTIONS - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 10-06-2011 |
20110238580 | SYSTEM AND DEVICE FOR CONSOLIDATING SIM, PERSONAL TOKEN, AND ASSOCIATED APPLICATIONS FOR SECURE TRANSMISSION OF SENSITIVE DATA - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 09-29-2011 |
20110238579 | SYSTEM AND DEVICE FOR FACILITATING A SECURE TRANSACTION WITH A VALIDATED TOKEN - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network by way of a transaction account token. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 09-29-2011 |
20110237296 | SYSTEM AND DEVICE FOR CONSOLIDATING SIM, PERSONAL TOKEN, AND ASSOCIATED APPLICATIONS FOR SELECTING A TRANSACTION SETTLEMENT ENTITY - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 09-29-2011 |
20110237224 | SYSTEM AND DEVICE FOR FACILITATING REMOTE INVOCATION OF PERSONAL TOKEN CAPABILITIES - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 09-29-2011 |
20110237223 | SYSTEM AND DEVICE FOR FACILITATING A WIRELESS TRANSACTION BY CONSOLIDATING SIM, PERSONAL TOKEN, AND ASSOCIATED APPLICATIONS - The invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. The system further includes a protocol element that facilitates communication between the device and a transceiver for wireless communication between a mobile device and a computing system. | 09-29-2011 |