CA2698417A1 - Wirelessly executing transactions with different enterprises - Google Patents
Wirelessly executing transactions with different enterprises Download PDFInfo
- Publication number
- CA2698417A1 CA2698417A1 CA2698417A CA2698417A CA2698417A1 CA 2698417 A1 CA2698417 A1 CA 2698417A1 CA 2698417 A CA2698417 A CA 2698417A CA 2698417 A CA2698417 A CA 2698417A CA 2698417 A1 CA2698417 A1 CA 2698417A1
- Authority
- CA
- Canada
- Prior art keywords
- card
- user credentials
- user
- host device
- interface
- 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
Links
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Classifications
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- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B1/00—Details of transmission systems, not covered by a single one of groups H04B3/00 - H04B13/00; Details of transmission systems not characterised by the medium used for transmission
- H04B1/38—Transceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving
- H04B1/3816—Mechanical arrangements for accommodating identification devices, e.g. cards or chips; with connectors for programming identification devices
-
- H04B5/48—
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L41/00—Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks
- H04L41/32—Specific management aspects for broadband networks
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- H—ELECTRICITY
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- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
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- H—ELECTRICITY
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- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0876—Network architectures or network communication protocols for network security for authentication of entities based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M1/00—Substation equipment, e.g. for use by subscribers
- H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
- H04M1/724—User interfaces specially adapted for cordless or mobile telephones
- H04M1/72448—User interfaces specially adapted for cordless or mobile telephones with means for adapting the functionality of the device according to specific conditions
- H04M1/7246—User interfaces specially adapted for cordless or mobile telephones with means for adapting the functionality of the device according to specific conditions by connection of exchangeable housing parts
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
- H04M17/10—Account details or usage
- H04M17/103—Account details or usage using SIMs (USIMs) or calling cards
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- H—ELECTRICITY
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- H04M17/106—Account details or usage using commercial credit or debit cards
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- H—ELECTRICITY
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- H04W12/06—Authentication
- H04W12/068—Authentication using credential vaults, e.g. password manager applications or one time password [OTP] applications
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- H—ELECTRICITY
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- H04W12/069—Authentication using certificates or pre-shared keys
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- H—ELECTRICITY
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- 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
- H04W52/0251—Power saving arrangements in terminal devices using monitoring of local events, e.g. events related to user activity
- H04W52/0254—Power saving arrangements in terminal devices using monitoring of local events, e.g. events related to user activity detecting a user operation or a tactile contact or a motion of the device
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- H—ELECTRICITY
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- H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
- H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce
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- H—ELECTRICITY
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- H04M1/02—Constructional features of telephone sets
- H04M1/0202—Portable telephone sets, e.g. cordless phones, mobile phones or bar type handsets
- H04M1/026—Details of the structure or mounting of specific components
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- H04M2017/12—Prepayment of wireline communication systems, wireless communication systems or telephone systems using calling, telephone credit/debit cards
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- H—ELECTRICITY
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- 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
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- H—ELECTRICITY
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- H04W—WIRELESS COMMUNICATION NETWORKS
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- 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
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- H—ELECTRICITY
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- 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 transactions with different institutions.
In some implementations, a physical interface, a communication module, secure memory, a user-interface module, and a transaction module. The physical interface connects to a port of a mobile host device that includes a Graphical User Interface (GUI).
The communication module wirelessly receives Radio Frequency (RF) signals from and transmits RF signals to an access terminal.
The secure memory stores a plurality of selectable user credentials. At least one set of user credentials is used to execute transactions with the access terminal, and each set is associated with different institutions. The transaction module dynamically switches between the plurality of selectable user credentials in response to at least an event and wirelessly transmits to the access terminal a response to a requested transaction including user credentials selected from the plurality of selectable user credentials.
In some implementations, a physical interface, a communication module, secure memory, a user-interface module, and a transaction module. The physical interface connects to a port of a mobile host device that includes a Graphical User Interface (GUI).
The communication module wirelessly receives Radio Frequency (RF) signals from and transmits RF signals to an access terminal.
The secure memory stores a plurality of selectable user credentials. At least one set of user credentials is used to execute transactions with the access terminal, and each set is associated with different institutions. The transaction module dynamically switches between the plurality of selectable user credentials in response to at least an event and wirelessly transmits to the access terminal a response to a requested transaction including user credentials selected from the plurality of selectable user credentials.
Description
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DESCRIPTION 0&' DBi NNNA:~GS
is an C'..xaY?It>li'.= transaction SyuÃE<EI:+ ili SE?,??:ic ?x'3:sEsl.:3:i3:`3 a< i3E`:i3ti of the pIiscni dis.:loSa.#rc,, ` e5 f,n i.':~i33Iiplt' Ile3E1sE3cÃ#C##"15 syC'.#:=#31 :h:##. iF<i11k?i>3:5 iEaF.a~:>E Ã#t>E?
a 1oil::il#i1' +::Cs3`t; 3Yt,t`L`wil"k-t '.Gt'RE 3 is an E'Yit.i'iiple transaction card of FIG'C:RÃ:: A>.i3 i3EXo2'E$af2<'.E= i!'#t ;=:
;;<.3n3~ i'Ai E,?3L=~? ~ait>:=:: of Ãhe pF"t'.se#7.t disclosure;
:'.t(.?l. RE 4 is i1:#i e;iaTi'.tplZ'. :11i1 ua4rL-`I3i CifIu e.}3<1t an a32Ee1:iem>
i.. 3.:~ ~. :? is #3i31?Ã}IC`.i' f':XaSl'dplv Efclllii.i 2J:(`#3 sy:S1C':#}.?
in af..vtsi'Ã.E<3f.Cr.% RFSi'i sE1#3'#+'.
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: >~ ., g ~~i~ , .~'~ ::F- is a l1~?zv c;l#;~.rà illzEStF-~ÃiÃx , <~ii t.:~~.,;.i~~?lc: ;xx~-t:tx.c?c? fc?..
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i`aG::'RE 9 is <3 B<">w Lhai! 3llLF:'i:F'3Ã1Ex~; u;\<`l2)'1(:ih? a:E)C'Eh{>d for F3~;E ti~:ÃE213: a ...4ltd:
Sl?.iSE3'<ati%4 ild3 f31i3?zple T.i?eIF?ttlt=` :C)I s#oF`?ng ~, plEF#..hiÃ?(`i iFs'(`:' i~ {=:i< iõti..c;.... ... an #:Ci;llFa;+3F;.à card; and 3=:Gi:'}Z:}.', x? is a flow dF::F.rà .i3llFsÃ3aiÃ.#13w an example En+.?.t31?~l f:?i: E,;yF?c?1n?c<flaS:' i3s':'r as.;{,iai3F#S.
i..i3'.. .i.aC'.F.,Iact'= s}'T.il:?E?ls in the various C~tiz i'#:EIy41:ExteaÃC', a.,xe .lmf,.?.S, DETAI:LE:I3DEyCRiPT~ION
3;'AZsURE i is a block -J3<3g3'2i7: Ifl1F5:.TF-.fÃ7.F1g aIl example StsÃC:ili I OC?
.fi? ,L;'v . s4;5' Y.m3tF1g #ii3.xSiactFlTI1S Lri.'1til lilff{ :'P.tlt ..I=?mpmes Eb> >i .f sf.ngh:
:.,.i='{x. For Z:`Sc3i?'ipli= d'c: system 100 IF'a$-Y 231(:=li.#d6. a s?i.gi(%
~...Pid that C'l.L<.lit:>S transactions wFilF dFl'f-eF'eFÃ oF1iL'rprsC:S Ec Ã:il'F<3?3C'#:i;a l#1s.#wi`_: : .', ?#'1dfõpE'31df:ili Ã?t %E I:ili`bilt:, host d3VF`v<'.. For example, a 5Ã31;4:l.. t?.t:Ev:i't?Sf) .;i:t.I'i>
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DESCRIPTION 0&' DBi NNNA:~GS
is an C'..xaY?It>li'.= transaction SyuÃE<EI:+ ili SE?,??:ic ?x'3:sEsl.:3:i3:`3 a< i3E`:i3ti of the pIiscni dis.:loSa.#rc,, ` e5 f,n i.':~i33Iiplt' Ile3E1sE3cÃ#C##"15 syC'.#:=#31 :h:##. iF<i11k?i>3:5 iEaF.a~:>E Ã#t>E?
a 1oil::il#i1' +::Cs3`t; 3Yt,t`L`wil"k-t '.Gt'RE 3 is an E'Yit.i'iiple transaction card of FIG'C:RÃ:: A>.i3 i3EXo2'E$af2<'.E= i!'#t ;=:
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ln:aZi 4W,'G 9.?:zE:i <.n.taL:1filalv fo:i' a credit card, a debit 6;i3Y"d, iI prepaid Ci3td ? 2ft card, .c:`,ui?t, and/or QYtiIE.I' USL~f<1:G%'L>ÃIlltti, In i#ddZiit?#'i, ffit'.
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,aio i:t?ta..#'pI'icit 102 may be a ..lli:k-ifFld-I1'it9rtiLi' store such ffike.Et iE EauirA s..f.i;=<'.t"-" a good v:i' ;iviZ ic1:,?tsiiS:F Ll1.c Iili:t%i`Fl;:=E and purchases and receives the good t?: se;'i i;~%c FZ1 i:h`v' eFat..itt::;jt 102, T.te c:31t<',ll3i'i"(; 102 may pTi:>vSde 01?G or f?li.Fi'c of .}}E 161.f`:vif}C, sc E\'.is.'.e's, :=`:::s.,.,~,.ti.:'.+.l with goods: ?ilveIlti?i'1!, tY.3,.E%ht>L[5di1g.
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of .}#e . ?E,:EF?F;iC'. ,?3a2F,:t; a pi':} ~ic::3 ; ?eyC#:i?Lc bLfildFlit') fRoi' CDpC`i'i}:ti(?FFs. For E:?i::}IFkpl`v'; i.i2C {02 1'feii4' <iOi goods .?.i>d. :"si sõn,'1ce8 at i}pi.S;Stcc}l ;.fi::.}tFti11 (('.~.v.,., a bFFck-i):i)<e-mo:'i.}t s: _ 1'C..) i:iJi't'.i.:-('dy \: s r a ~ .r c to ~-.t, ti,. ,v.:i. 3tF~ illis tnitF?~):t:., the MIF~~:I"~i!!s< ; . _:E^ ..
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`:it'13 as 1Ãst'.i=;i t)f, ti2C n,()bil.t) df.,i Iu; 1:1 (! I:3 gf.i?i'1"<ll, .~~~:f:: vF.tCq~nSM 1 1)2 Fi'Ai?t' ..c,.`:. .z?,:ace experiences 14'ilh t.li;;f:C;!?lms in r?FY3VWi:[?y goods <?i3dhs. 4t,:i'xEi,..S. Fi?:
,aio i:t?ta..#'pI'icit 102 may be a ..lli:k-ifFld-I1'it9rtiLi' store such ffike.Et iE EauirA s..f.i;=<'.t"-" a good v:i' ;iviZ ic1:,?tsiiS:F Ll1.c Iili:t%i`Fl;:=E and purchases and receives the good t?: se;'i i;~%c FZ1 i:h`v' eFat..itt::;jt 102, T.te c:31t<',ll3i'i"(; 102 may pTi:>vSde 01?G or f?li.Fi'c of .}}E 161.f`:vif}C, sc E\'.is.'.e's, :=`:::s.,.,~,.ti.:'.+.l with goods: ?ilveIlti?i'1!, tY.3,.E%ht>L[5di1g.
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p.Z);~5.:4s1.i2g de.-v'f.G;L:S ..>iE3<3.?lo of ilifC3rmÃitii>Sl wdih the transaction card 1 :2. fil bt<<i21:= i?T?a?i'[1'I
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w,:i'E an extGrÃli?l ;t?.
: taE3_a,<:.i3{.`d .'ieÃ;t'C?Yk, I:i3 F)33i)thu e`,'.?6ii3:I1pl;%~ the ,i?1f3bSlC9 di'=L`k.4:.: I I f:i iFE<iZ' a laptop .c:ii4Ã. <3r1 input Z.Ãevii: O, as a k~.'~yt.siZ(t touch >?L it:+: Ea. or l~0i S..`.r (If'"Z='?cc =L?I<3: ., ui ict;L:i?i :.Tkt4s.?1ii ii43T.i, and an i?iitpur d( .`1ÃÃ%t:.' E'ii3t i:oIeveyS Fdai:?F'fi"f.3E.''.oi~ efosoC,ii?:F:d b=v:itE:, t:i<~.?~<, .ii331 with 0:10 ei]Ã(.ipi'ESC 02. i37f.:hiE:11:I) CY3g:t.i: titiiii, F1h ::3~ tBtaCZT?.i3IEiofe. or 1: IS (7L:%I I n I coz7ii33'ISL'4 t +;,f"siF3i'iiva! LFaf:i' 4ifÃ.aI=c1Ce f)p<=i'e3W~. (> :_i;.ti3 vv Ã:lZ.> ?A:.t.:i' of tazt. :T3V:~3;?õ d+:.vice 110 to 1ÃA1:C33'ACE.: i("'Sti-t at least a pi?I:t:loFi of the syStC.z3; e00 for any Si3:il<b": purpose. Slll3i as i:;x+`', .tEiE7i3h tr:3:I15<icÃ.i.S.iF"Aa and/or and prC:;iC'.31iE1.1; a.i'E#1:i,.'.t.Ã#.C::i2.
i'1?4tC)l)'. :.i:'.=T3e1<33` y; WGUI Ii. I j>EY}vitt+:'.s thep<li'tiC,E3.tili' ti5.., wSt?i .iti o:iE:..lE.'..?E <i4i?.: E34cf' Fat.Id,S wsetlLi3EIt`:i3 of d:i:til pi'C>Z'idedi by <a cE1i;2312imiC=iitt:<i i.1tA?.,?; the 4ysÃC'T23 I;ri) fii',s,iE,t,3' ii>.o an Fi'kif'.31;' and i.5<.i }.7'3C'"11dlo' i31v?eTEs i:;i' the user F.. .:...t-3Ee3nigS. ..<.Ã:t?:nA;s and access ;.,:rvk;^:s oltued :?y the izisi:ittaÃic?r, ] 06. l`he 111 nuay E:ompri,-,~c a .
?-51Ekf i2.ty (31.Est+.f3I)_E7clblF.f3'<31Szt;s or Li2%s b<i'F'3d3y iY1EeF'.Ã.. v.C: fields, piE~~==i.Etst~rl:E Ii:4Ã:;~, ::xi d:`t`r b:iEÃ o:.:5 opei';i.ttta by the Fa4LB'I', Fh<? Ã'<ts!i k;3't)ph:iSkii user 1.2)ÃvE fa~:s` Fil<?y be isseÃE .in Ãx,w ng13a<3i ii1`>? Ã:hE.' pim"iil to dCtiC'.2'ibC: one or i:dE)f L.
a;1'EiphIt,.i> E?s..1 ,:ii$d each of a pcii E.?clilaf' gi`.F3pltfE;tii :;1w1' lI"kÃ:(:1`i a(<C'.. Ile GUI i à a l:c'2.i1. iD:iiõlEBde any g3"F33`i?icaA i:yr:i' li3.Wt t;3.G; :s?.Ec:3 as a iwt::Eli'.3'#C wl`,t) b1'fswSC',Y or Eoi.E:6l C%i'i:C" at that pf'C?c6.'.sEi<'.4 ?:3 t`Pi t;.Ã; I.a:Y .?i iS'SE~233 100 ii.Ptd j7lOSL:71$S the I"i'.tiWt5 Ã:C) ehe user.
Thf:. Et<>?s.3vfio"i ..iiWl 1.`~.: can iiaL:hiSk cii:Z% software, .;:ti:ardwa:f'v, .t1EE:,=`o: ..1cErm'a?"E`
i`;o` t1,gili'ei? io wi?'elv:is3y CAvi'[3:E:'. Ãra:34e31<til)A'[1 -wi#.h ti1f3 access point 1 A^= EF~iFIg one <.?> i3 25 29E ..ix?t,1' of sLl+~.'~C.Fc3Eil's; ?.isE.? :i%i:i,??.i3u3. For 3;Y.i3iT:ipiq ths:, $ruicSm.fiE?,3 4w'd st . ~ #'i1F3y select user Hted~xÃ:ii3ls .IJSt?i:Ic3Ecd l:''ithi one of ttte p3Li1'<di.l* t.f%i?f C.sifi4Ei3E?1C i:>;iS;;' i?S,:ooi3!?2;>
and execute a a'i)Slti3ctlo:is t('3$1\ci+;:E:1o31 w?E3A the <E ;~:f..:4;i 114 the :~<,i.,+.l:ecl:li:.:t?E23:il iF]d independent L31; the P11ob1lC: dC.v3c .' 9 i. t)<3. tn aEi7õe;i' words, i.ion card 112 a:li?y w3;i'1:l(,4dv i:x<.C.EIit: t.i'i3TISEis::tiom3 F'aitht'LEt aspv<ts of the `is; :7'iin:.;ci:io,:. ?e..`..g iõ`".t';ElÃC;d by the IIILDbTlv device 110.
~11 ctCi ~1.1:li'"s31 i.i3~'.` .iii:,iet:;u.:2n card 112 i),a' i .uffl,v 5Ã:L?A'Z: i.Eacr ia+.d.-:11jai.i ciYiiF!:oi' :i17pliCi3E1F?.34 ~c ;y; ~?<!Z'i::iCifà i~z~E~F?:#<2:i3G, access iip.sikoil3l)i?` i for a ph.:i3liÃ1' of sti=l"(%ti3bl's.'. {i.,.LE
:i;;'.L:oEIrEs. ThC:: ti.i?"m:5:,.1ati} card .112 n`>.,y dw isix131C.<"dlly switch beÃ;wi:vn l2sCT E:IS..di.fili<il``~
<,n,<Ã p<'S1:f1.t'`.a?E ip3A34iC.<a.FC?.?s, d?:E
"'fi s ri`:i3:?d' W ;li lecist i3:i ey'w22i, A ;i!=i'itv'fl3ilh event may FavJi:OC a 5ClE;::Eio> z""C3n' a ii:i`v'.+"
31`.o Gsi.jT 111, completion C?f a iAa11ti<'2l".3t)Yi,, d..Et..t:fa<?F:# +3f a y:3s.: t23 tiiM?1'4l, i~E i~#3a73#; t~ i3 3yp..' of p1:imbi:if: (G',g ag1"i3c(.Y`(;\, t:lA)ih+::; ), E...ili:Ã 3gt, ,Y3 OE e..i<3p.i3ifi` aw<3.
;f> t>=xP:?3, Ei'i;~ C?q. <3t~~i;. . ~i'~.t'51.s. f~~'.. til:ti't ~ili EES(`;I- e3::t~L>EI1IS iIt t! is_'~. a .iiii ts$:it~
i.imol;-s ~ 3: f3 MiSik.iCt:i3"d1, a E'L'E<iii F1::C:f}iFlii T<l.i; t.'i., Dffl<tfdti j, .; 1?i'( .pi.Eid citd igaf1 V bd. a bank ca3t::~ (a:Y Bank o1, Ax2wt.ri`(5),, an a.d'.iine`fi`A~ aJi 3\3\.LFLdty \.<:iL.d, a diflvi:i):; .i6....1'P.5<', and/or E5th1'r;i, In some 1ii3?)?Gn3i:;Tim6C:w, lh a7E1:) card 112 3':<3y .i3(?i,...>e woi..: credentials it`r:i321' C:'i?]Ilb113c3.Iil?#1 of fi11i3:d2C7i'iL 3s.ta3i, a7zE4:tIe, "~.L;ip<?=`xtFt:, 5`ii...i atrcf3i.itAi:s. I3? SC?:31C`, IF.11pif'T:I3e31taEil?I)S, dAQ.;
t1eli3:rt3miC)Fl S.:t:+atF 1.12 i.i<Iy =.ti :(?i:l:##i3.vJ=-;:o:.:: itpplis:i;tloils i:t>i ffic plE3.#2i3.3i?=' tff :;iC'.lC.s.?fi~.~iC; tist:#` i:iC< t1>d:is. :`^i' LxS:ti.ip).iC_`., i.:3. card 112 m.i3y execute aE didE3mI1E i3ppl3cai.:is.3 for C`,eii;l2 ofihc diffdeli iD.,,,i ie i;t? d3.~tee'C:.? 3ppli a:l?1i331i Yi1F3L' Ckf t=EFE4 tF.`..:Asat:3C?:ilti I ; i3iffE;2'C'1'i;`.
vad:.z iizs.3.i1zEIC.#.1- L.s. IC)2??3a.E4, pI'o3i>Lfi3l3<
<:21G:iVj;?$1E12?., iyA?Ã.,=~$i.##:ii%iLi#.i:= <?f i.<6.:i' i~E..&E2F'iF).ls v:Y.c, .Fi;.i'i.Y:`ti v: ;:h the tOT22'3`aeii, ti.id!'L2;' other i1pC:cIs, ~J :.`a_ <.iit3"#scxi.`tit):i3 card 12 may t.:Xt'(:113e i:i'E1F1siif.;::f?t3. Av:ir.i3 the ÃE.:c4.::.s pt?!.i)i ~. 14 i#,` i3< .,,_aor ,a?zwsL.` signals sEi:;3, as NFC (i.Q'., IM) .`'S192:ECMA
340), ISO . 4.3 . f"",0 1569; R1e<:, %-fiIJARE, Bjiett:3~~th, E:;itza-wAtieE?arxii (UWB), Radio ~~reqEwncy adei3iH..:'r t.IFID3, and/or othLi signals ct)#2qiiibj:: \?v':it.t3 F',:tcii.i pc).y:i3'wi11 $.i:":#?3,..,.3l.s, i`e.,:;.;
a.:: a,sa point 14?. In :3cs3'.i3i' ?,1~~!L7'33E .IY<3:t1t?#1~s, I:~.i~% tran saction card !:: ;' iXE'~~. :;It,~LiE:i, P.333`
idit3:3: .: h#p;it :` ?imt e3f%CLILt'; J:i12 )pL;Y>kiil:l~ sySEf;.I2'i El'd ut~`ct1fii y si'.C?
s;,a.eci:fte Iffie tTa:i`a<:sa.ct20Ii. 'Sl'# di_Fl:[2yv,, sE, l's:' nic)bfle C.C.'.'.e2 w: W dC?C.':i 13C?E
i'eqWie .''t..id3f3..;i1iiA hF).kdwiirÃ'.. :oLfltS'vwk ,, sie";`E)r {2I'nt=i=':i#o to ?Z EF<.!C'.SslS C'.:S.S..ctii.Et%# a :s'z$at the A access p<331'!:. 114 4IfGh as an ,`'vFC
i#~?~?,.t..s7;`.=..i. ,.:i7315, d1+; .3'i.i3;:il4tzl?1 card 112 1 .34' ex3:'i>E3tt:: <)Y?t'. E`+E' i31o4"e t?l EE:f`, z3l#C;wii ; d v:i?xi.:i3iti: 3:` ' Y'sZ'I'i;::i~ t3iiS~dOC.11 .i~(i :>iCi~i;i?:3.iii FiIit~`( I 13~)~7l.~.if i?i':S 1.E .J~3E3Yi;~~ :C2 <iT <:<d-"t.
:i3e ,i' M.`i':'. :'.'4'fi.,ilt5: I'vi:F,lS:=sSl\ Fet;=c:ii=e #i #'E;qt>e5t Il"+'stf3_ d1.G access po1Elf: 1 z : to f.a:eC%tfÃ:; a tF'F,.,..5..caat i t3:;?, t?'z transmit a i'L-'=Spoz1Se; (P3:?Sl4E$e between wireless P. :',#.i`; =l?a5 and o:2I'p3fiblc with thL lr%1i78a"ii;tlon t.i2:i'ii E12; t1'iilshi:v ~~:+;.tZ`S..c'=i pri?tt?s.As i:id }>#oi+`t~;t?l5 compatible wtlF 1zo~.1I.C dt=,v+.o a1i;
A3.i.;E= E and receive 30, PIN .t)qti<'S[, P I _ ~ ) fi r Z 1 T tile i:Esei~ thrt:31ig~i tlt(:
GUI i i 1, t'3C'ce:Z%i23 iiiCi tIi:il]alllllt<',d between the E3"iSi34;iGiiCSil card 132 and ;h, access point i 4: l;xE.E.lit :?~)~)~ii=<Sis:}13> locally Ji+:f1"5<l1 in dl.i:= E:iaA3;+<1~i.ii3.+; i~-.3f's;i 11:::;
Si'.a..,vfi:vt;'. y tiz?':it,,,?3 the ii#3teI11't:. of the ti.iJ1S's.tfi.i:C,i' ci:Ei"Ei 112 on `s3nA E:sffb;:iSt'.A, ct l.:x't:iE in s:3?: o3":m;?3`C t"EUIIt;); Ã'..xt`,E:d.iif'= authentication p!'C)C:es;it~s b,.iacC~3, tlà ltu.,,t Ii3 pa:i`:, 31::
?i:vC- iwd, for C.1eFiZ3Zs)IG, through ti1e G~~~ I I T; tI':tf'i1f.zit .<.i f.Ã::ia y;gf.zd$E'sf'E'~ t.+i?
,C'c':... i3:t pFZi'e;
.-+Lte s: . ;>>i3`i .:~~ l3.1 l'i:s~7E`i)-`, to i3i: ~f;iY a ticZflsf:4~1t121 E ~lct~ C.I1~?,'i, :>CE>E'i=; at di:.<>ih. =ol' tho tf<:i12ai#E;tfofZ executed between th4. S:,fiFd 112 and the cft,.,,cSS point 114;
i;:'.`,tu?<.::` .?m, i7?' 3;:l:>;ieI?E e`.[3er#s {e.f,r.; iiLtd3C) vT5tii1;
c1j.eI'fa) W eh¾3 ifs:.::i' iZZF"owg3 ilo y`..R
generate and/or t]tlix:e3I3:1t wI.i'/,".=li,1S-F11E'=ss<IgC'= alerts to thL~
iIIiFIÃtiEiC)F? ffi:' ie'.Ã9bt,,... device 110 if c'H1ilz:1 t.<Zpf}blE., e.ElEVtTl E)ihe.C:,; 3n yE>f1iC fi.i 1?tai>e'lli;aE#t> :: _ cl?C'-card 1.12 Il'le#d aif3dWt:' a transaction l:iZ re-`.5poFl:,t:`, FEi ;ii.
,.c.is;: a IiSC:i' f:~.cii:f fifi0.' :=~
gi-.?tE ig;.ii:: C.t3Oiliei3i 13 0s., Gu.~ ~ ll. Thi:: tt'Fifls.ictftfii Gi[I'E`Z 112 may frfi;:Ei3it' a t[ i1.1s`EcÃi^t3.
i:: :L'9d. ...t`, access point 114 in i-mpE>mE< to at least Ji.i_i'E'lt,sh request :3 'tfi>smf$'ied t?Z` the pt ji}}. ` ? 41; lYZ ',il)1:a]i; :iZ:Y3}?leI2aF.datai<3T1S., diE% transaction card 112 Fi3: Y st.i..aiw=fy a<: ih+:.Zt;i_ >_i3e sw.:,,11 the ,Z.....C::iZr33 b(:b,4cL33 <3:fZ (`Jl`t and E)ft 5t:1i.L in response +o C333<: i'fZC?r t =~=
i;I1e t. ll tiZ0.t. .'S=C,i;.ts :1<lb f?-fi:=IiEdL= a user request, 's:.ofZ"ip;t`.:3..i3 c-x E. zn..tFs::=i7C?t , iIisC.'~i$iC3l? of ce3Zd 112 dSdL;`t'.3:tà mobile de'E'FC'C; Ici?dS`,Il C}2aIZ,;L' timer E.vc.3:s dGI>:':,.1t):: of t2Zc;f:'mil, 3F ~c<:a ~ . . . r, the ~c ~i >.~t x ~x;..3 .~ :. Z' ;}1C: it;iC,i, =i3's31ltJti= of Vd ilC lC S, :ZE E\~
C3Fk $.~Z:iL ~ii . Il ~' is c<; ::Ffs_ `E=Ci ls';
fZiC mt;E ...cel'.iX from LE2L-` 3:i3titIttliTd?.i). 106 using wireless +.E?i'.=ZA3i..lC,2.eFoE3. 1';i.-`=tf id;? SI:EelF
as `N".:3. .:.;fWo' C3ihm i.vE',=;i1Y:S. For C'.x22:IZ:iplC, 1:hC:
1"c.EF'ftiefi[ of: <<F3Rl 1:2 i'f?iEL' i'E)<.e,`.'f:: C`.:E)i'.
or :iZo:i'C'. .`Ø.i311?Z:if?i.15 to t2LL'atch the F123:.G:iY.:lfi S:)ff fcofZ1 ,^avC:flldziP' I:i6.:t4b'C):t; (not illElSt:fiEtC4:Ã,) :he >.i3E>i72lf :_7s',:'iC'.E: E I().
20 ,. rt'.gijf*dj tE3 'LPl.ii..5lai:?IZg, i)<.tw(:C'-12 protocols, Ei3f=.'=
i:f-mZ.:+<3ctiE)23 E:i3:-d 112 .iZ'ii3.3;
:)fE,Qc;;; .,..f+:?'nZ:lIi<)?3 ili i;X<3ti1.pl0, ISO 78M a standard security p-retC)E:<,'33, ziF'A'VE?f.
i)E3-ii 's. this c:3se, ffit.. Iml?i3,1:.Y1C):t3 card 112 .Ii1f.Ft%
Uiti253<3te b::$sLo-..;Z'd ;3f. NFC pit)¾53t:.C);
~" 3, ISO `J~3Z~2; and il1c' (:rfi,f;,<3i'=tZE)xZ-Gi~:f~t~. protocol. ti?
addition, B~Z.:`Ee.ifZs<~.~.Ã..<.if 'y:=f:ys-~
~t . =
112, i3uL i>3tif',:ctcE% flZt: YZ]ot`ile device 110 tti1rC1Elgit phjs.t. )t 33Z:2:if,lc~-,- itti 2: N{Yn3=.;`iD C3Z' S. I11 regard to :+k`,C:E11`I.tS' ~.~.f-E?ud4;ik:5, $fi::
t;-i?a?ssE-f:i>3: .-<,rd 112 m L t?:-E;.~?li,iZl ?3iu i`i' 11e01'`v' e.iZETyptE<iti WgC)1'ff}T2Z1s !o sÃ'.i itkE' afE>E'f1EaEic}f:
sucA. as yi3.id d3<sf.<bi_'.' it':g., vf=i'.:C;.?''t i;<if-Ci Ft'LIT:?Zbi:=i, dt:b1E'-C:EZ:f'd tS.?XZ .-,f;,t b;wk >:,<vt'iEEI'kt #2i3flst`. i ` '~~, f:7.&t?f. {)iliE:~T' security related Atlf(?I'.ma( <')n-Th:) scci3:'.iÃ.` rC'.1<IEoC3 may 3TZC'li3.dl: an vxpIay Gfi'ste, 6;.ii.ni LefzfiE:=attC) :: code, i3<<1:
.:.<3;Z1c 2L ~:'Zt3t>:) :.ii i x,~t:,', user i:i~? ;:~<)E~<: c/~+;33- E?ttZC:!- LiSf ,.E' 2:iZ.~~C :'`f~'f23..Zi?.iZ. <$s`~.?t f,1t:<'.+~ :4` i3Z S t i9 fi'.11~;
.~:Z.i i=`, of the card ~AE~;t:C''. I71 sC2ZII't'. l:Z'}~3le Flf: f1f 311tit23 s, E~lt tF'.i1t1..2t}ia t'<fI'd ..,.` I3 <.ty :3it.y:t.:i= y ,:<3..i k't'.y (syTf11I1Chf>: #iii?,'E)i'ILhi21s) s31C}l its DES, Ti.)E::: a.`'Fd/i',F' t)tfizE:.i'-; i):' :3.f)E?.`o: ,-bC3`S_ P:i).
ptlblic, key 131iy-,',5.3.,thZ.ila} sEivl:: as R:.:9A, eMpEIc e;E1"r=u, _8-.
as.idit<F.n,, Fh,: ~r;F#?sacti+:sF-# card I12 Fa3ay inciut_Ãe: me;ni,r, f.>i:3$ROJ\--Ã; -tf r #f?'j tFtie> d:FEa3, app]:Fv<ll#o:nS, t:)fflIT.iti Wf',bpeigCSS, <.ii2i,,`C?1' >el2<'.1' fiff-bF'Fnatet?i'F. lsa f~ ~::f3iYF~
`.l3~: ..,. >: . .< ` - y st3i:id ' =i,i?:t i~.F?.rCia 112 3?fcF a application ,~.i <3 = t it? <3'tL3~3, die ~..'<Ef.ti :X~:CEFEC: i t?l:~E~z'' a~. ~~?;:n:~
~t+~A.~.,3d ?')F'es,.#;: >.t3k;.iF'#FIi#.i:`n to #il"id F"i..c.Fved tl2f6i'E31<$t;)f2 ?`iY22i1 th. .a53:' through d:i' (R."I IM<
; ?<`3 ; f . tA..< .:~:E. :,?:i;;, the t 7 112 I t cz:~FF= \. , q.. .~., ~3'iEF?.ti< .?.~~.~ii TF ::ii3" C, .. Tl#:~% :Y::F2Ã' an EF~ Ã.tFo#F
E,<i:d F<, an ..4.~:t?;i3.: ;:i~zf3lt ~. 1~'n 1) ii3s^, :i#1St3tlFtfl)3'F 106 using the ~.??e 3I Fai3i. the fi:>>2;F E: fi'.=~'a e 110. 1.t:tii3>itiS''t:3y }3 1i f3ddltioT2 t? dppl#ciF$i<)niS. the lt'f3d2S<31:t;C3i; card 1 32 ?tiiFy pii?:~GI:F3.
:?ffl..1:ti' ii.~i? pages 1;o, flis,` :5.E5x9F' using $hE. M.J9 H L II:
i'mp,#1s(' to FF'fx #i1.EEi1g a.
i'<FTis_.a::.3ii'#, 1'hw ti#iiiF::iiic<ii.t)#3 card i12 may <`2.F1to1:i2.cFE3C:ilil}=' present an (7fiffiaw '4s2=.4b Ã"cig4.
?hrZ?tFf.:li i 2c Y s? A 11 L In `at.}F,t..e iT?gl'.i22Gnw61?ilsõ tl1e.
Fffl:E1Fi. W'l`, i3<?gc t;P:.F?: ,5e `ei..si,c.#i;:G=d a i#."W,'iain{)n 106. In s.>I31 t};L citlti? 112 can be :>>.it.,.'i ,.;i"i< .,.oz3.i3-;i3dblc and ojds.:x1to as a I113.ws storage d.:Si;<'.. For +..1=:F1n.z~fi~ if die ?='s'#F'F.`zt::>` t.:i.r,;ioe ?f' titt~ r:i'.:3.1h1Ei,6023 cF33'Ca 1112 iy not citi,3:fl:F.ble :i' d1e L:i3 :12 ai?iFy )pt1<}tC: as a IfIi3s5 :ifE>F'dgC'. device :eEi~7lF11 ;
CF>v><i lv s:iE <,:;s '3:) siik.F .~ ,:?'ti:=i 3_f? Iffit> :i2;+;f`il?ry ::173T?Slt'.FU (f'.<;;, i'hah}. I#I fimt4e, i#2,pl.E3.ti..f3..a.fF+3::h; dlc , <Fcfi,,>:.,~iF'd :12 :iFn e.tivi:Fde a s,f of fY?It1<2FF:FxFtF?SF cC?n-n?:e;Fids, in F?: I's.'<is:
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(i'.,<.;_ PIN ct:hdti=, iFc'b#v'aE3.s?E 's'o;k`),, F31L;E7. ~#:idF?~, counters, setting flags and ~EC'tn~'<i'~FI1~L
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Thf:. Et<>?s.3vfio"i ..iiWl 1.`~.: can iiaL:hiSk cii:Z% software, .;:ti:ardwa:f'v, .t1EE:,=`o: ..1cErm'a?"E`
i`;o` t1,gili'ei? io wi?'elv:is3y CAvi'[3:E:'. Ãra:34e31<til)A'[1 -wi#.h ti1f3 access point 1 A^= EF~iFIg one <.?> i3 25 29E ..ix?t,1' of sLl+~.'~C.Fc3Eil's; ?.isE.? :i%i:i,??.i3u3. For 3;Y.i3iT:ipiq ths:, $ruicSm.fiE?,3 4w'd st . ~ #'i1F3y select user Hted~xÃ:ii3ls .IJSt?i:Ic3Ecd l:''ithi one of ttte p3Li1'<di.l* t.f%i?f C.sifi4Ei3E?1C i:>;iS;;' i?S,:ooi3!?2;>
and execute a a'i)Slti3ctlo:is t('3$1\ci+;:E:1o31 w?E3A the <E ;~:f..:4;i 114 the :~<,i.,+.l:ecl:li:.:t?E23:il iF]d independent L31; the P11ob1lC: dC.v3c .' 9 i. t)<3. tn aEi7õe;i' words, i.ion card 112 a:li?y w3;i'1:l(,4dv i:x<.C.EIit: t.i'i3TISEis::tiom3 F'aitht'LEt aspv<ts of the `is; :7'iin:.;ci:io,:. ?e..`..g iõ`".t';ElÃC;d by the IIILDbTlv device 110.
~11 ctCi ~1.1:li'"s31 i.i3~'.` .iii:,iet:;u.:2n card 112 i),a' i .uffl,v 5Ã:L?A'Z: i.Eacr ia+.d.-:11jai.i ciYiiF!:oi' :i17pliCi3E1F?.34 ~c ;y; ~?<!Z'i::iCifà i~z~E~F?:#<2:i3G, access iip.sikoil3l)i?` i for a ph.:i3liÃ1' of sti=l"(%ti3bl's.'. {i.,.LE
:i;;'.L:oEIrEs. ThC:: ti.i?"m:5:,.1ati} card .112 n`>.,y dw isix131C.<"dlly switch beÃ;wi:vn l2sCT E:IS..di.fili<il``~
<,n,<Ã p<'S1:f1.t'`.a?E ip3A34iC.<a.FC?.?s, d?:E
"'fi s ri`:i3:?d' W ;li lecist i3:i ey'w22i, A ;i!=i'itv'fl3ilh event may FavJi:OC a 5ClE;::Eio> z""C3n' a ii:i`v'.+"
31`.o Gsi.jT 111, completion C?f a iAa11ti<'2l".3t)Yi,, d..Et..t:fa<?F:# +3f a y:3s.: t23 tiiM?1'4l, i~E i~#3a73#; t~ i3 3yp..' of p1:imbi:if: (G',g ag1"i3c(.Y`(;\, t:lA)ih+::; ), E...ili:Ã 3gt, ,Y3 OE e..i<3p.i3ifi` aw<3.
;f> t>=xP:?3, Ei'i;~ C?q. <3t~~i;. . ~i'~.t'51.s. f~~'.. til:ti't ~ili EES(`;I- e3::t~L>EI1IS iIt t! is_'~. a .iiii ts$:it~
i.imol;-s ~ 3: f3 MiSik.iCt:i3"d1, a E'L'E<iii F1::C:f}iFlii T<l.i; t.'i., Dffl<tfdti j, .; 1?i'( .pi.Eid citd igaf1 V bd. a bank ca3t::~ (a:Y Bank o1, Ax2wt.ri`(5),, an a.d'.iine`fi`A~ aJi 3\3\.LFLdty \.<:iL.d, a diflvi:i):; .i6....1'P.5<', and/or E5th1'r;i, In some 1ii3?)?Gn3i:;Tim6C:w, lh a7E1:) card 112 3':<3y .i3(?i,...>e woi..: credentials it`r:i321' C:'i?]Ilb113c3.Iil?#1 of fi11i3:d2C7i'iL 3s.ta3i, a7zE4:tIe, "~.L;ip<?=`xtFt:, 5`ii...i atrcf3i.itAi:s. I3? SC?:31C`, IF.11pif'T:I3e31taEil?I)S, dAQ.;
t1eli3:rt3miC)Fl S.:t:+atF 1.12 i.i<Iy =.ti :(?i:l:##i3.vJ=-;:o:.:: itpplis:i;tloils i:t>i ffic plE3.#2i3.3i?=' tff :;iC'.lC.s.?fi~.~iC; tist:#` i:iC< t1>d:is. :`^i' LxS:ti.ip).iC_`., i.:3. card 112 m.i3y execute aE didE3mI1E i3ppl3cai.:is.3 for C`,eii;l2 ofihc diffdeli iD.,,,i ie i;t? d3.~tee'C:.? 3ppli a:l?1i331i Yi1F3L' Ckf t=EFE4 tF.`..:Asat:3C?:ilti I ; i3iffE;2'C'1'i;`.
vad:.z iizs.3.i1zEIC.#.1- L.s. IC)2??3a.E4, pI'o3i>Lfi3l3<
<:21G:iVj;?$1E12?., iyA?Ã.,=~$i.##:ii%iLi#.i:= <?f i.<6.:i' i~E..&E2F'iF).ls v:Y.c, .Fi;.i'i.Y:`ti v: ;:h the tOT22'3`aeii, ti.id!'L2;' other i1pC:cIs, ~J :.`a_ <.iit3"#scxi.`tit):i3 card 12 may t.:Xt'(:113e i:i'E1F1siif.;::f?t3. Av:ir.i3 the ÃE.:c4.::.s pt?!.i)i ~. 14 i#,` i3< .,,_aor ,a?zwsL.` signals sEi:;3, as NFC (i.Q'., IM) .`'S192:ECMA
340), ISO . 4.3 . f"",0 1569; R1e<:, %-fiIJARE, Bjiett:3~~th, E:;itza-wAtieE?arxii (UWB), Radio ~~reqEwncy adei3iH..:'r t.IFID3, and/or othLi signals ct)#2qiiibj:: \?v':it.t3 F',:tcii.i pc).y:i3'wi11 $.i:":#?3,..,.3l.s, i`e.,:;.;
a.:: a,sa point 14?. In :3cs3'.i3i' ?,1~~!L7'33E .IY<3:t1t?#1~s, I:~.i~% tran saction card !:: ;' iXE'~~. :;It,~LiE:i, P.333`
idit3:3: .: h#p;it :` ?imt e3f%CLILt'; J:i12 )pL;Y>kiil:l~ sySEf;.I2'i El'd ut~`ct1fii y si'.C?
s;,a.eci:fte Iffie tTa:i`a<:sa.ct20Ii. 'Sl'# di_Fl:[2yv,, sE, l's:' nic)bfle C.C.'.'.e2 w: W dC?C.':i 13C?E
i'eqWie .''t..id3f3..;i1iiA hF).kdwiirÃ'.. :oLfltS'vwk ,, sie";`E)r {2I'nt=i=':i#o to ?Z EF<.!C'.SslS C'.:S.S..ctii.Et%# a :s'z$at the A access p<331'!:. 114 4IfGh as an ,`'vFC
i#~?~?,.t..s7;`.=..i. ,.:i7315, d1+; .3'i.i3;:il4tzl?1 card 112 1 .34' ex3:'i>E3tt:: <)Y?t'. E`+E' i31o4"e t?l EE:f`, z3l#C;wii ; d v:i?xi.:i3iti: 3:` ' Y'sZ'I'i;::i~ t3iiS~dOC.11 .i~(i :>iCi~i;i?:3.iii FiIit~`( I 13~)~7l.~.if i?i':S 1.E .J~3E3Yi;~~ :C2 <iT <:<d-"t.
:i3e ,i' M.`i':'. :'.'4'fi.,ilt5: I'vi:F,lS:=sSl\ Fet;=c:ii=e #i #'E;qt>e5t Il"+'stf3_ d1.G access po1Elf: 1 z : to f.a:eC%tfÃ:; a tF'F,.,..5..caat i t3:;?, t?'z transmit a i'L-'=Spoz1Se; (P3:?Sl4E$e between wireless P. :',#.i`; =l?a5 and o:2I'p3fiblc with thL lr%1i78a"ii;tlon t.i2:i'ii E12; t1'iilshi:v ~~:+;.tZ`S..c'=i pri?tt?s.As i:id }>#oi+`t~;t?l5 compatible wtlF 1zo~.1I.C dt=,v+.o a1i;
A3.i.;E= E and receive 30, PIN .t)qti<'S[, P I _ ~ ) fi r Z 1 T tile i:Esei~ thrt:31ig~i tlt(:
GUI i i 1, t'3C'ce:Z%i23 iiiCi tIi:il]alllllt<',d between the E3"iSi34;iGiiCSil card 132 and ;h, access point i 4: l;xE.E.lit :?~)~)~ii=<Sis:}13> locally Ji+:f1"5<l1 in dl.i:= E:iaA3;+<1~i.ii3.+; i~-.3f's;i 11:::;
Si'.a..,vfi:vt;'. y tiz?':it,,,?3 the ii#3teI11't:. of the ti.iJ1S's.tfi.i:C,i' ci:Ei"Ei 112 on `s3nA E:sffb;:iSt'.A, ct l.:x't:iE in s:3?: o3":m;?3`C t"EUIIt;); Ã'..xt`,E:d.iif'= authentication p!'C)C:es;it~s b,.iacC~3, tlà ltu.,,t Ii3 pa:i`:, 31::
?i:vC- iwd, for C.1eFiZ3Zs)IG, through ti1e G~~~ I I T; tI':tf'i1f.zit .<.i f.Ã::ia y;gf.zd$E'sf'E'~ t.+i?
,C'c':... i3:t pFZi'e;
.-+Lte s: . ;>>i3`i .:~~ l3.1 l'i:s~7E`i)-`, to i3i: ~f;iY a ticZflsf:4~1t121 E ~lct~ C.I1~?,'i, :>CE>E'i=; at di:.<>ih. =ol' tho tf<:i12ai#E;tfofZ executed between th4. S:,fiFd 112 and the cft,.,,cSS point 114;
i;:'.`,tu?<.::` .?m, i7?' 3;:l:>;ieI?E e`.[3er#s {e.f,r.; iiLtd3C) vT5tii1;
c1j.eI'fa) W eh¾3 ifs:.::i' iZZF"owg3 ilo y`..R
generate and/or t]tlix:e3I3:1t wI.i'/,".=li,1S-F11E'=ss<IgC'= alerts to thL~
iIIiFIÃtiEiC)F? ffi:' ie'.Ã9bt,,... device 110 if c'H1ilz:1 t.<Zpf}blE., e.ElEVtTl E)ihe.C:,; 3n yE>f1iC fi.i 1?tai>e'lli;aE#t> :: _ cl?C'-card 1.12 Il'le#d aif3dWt:' a transaction l:iZ re-`.5poFl:,t:`, FEi ;ii.
,.c.is;: a IiSC:i' f:~.cii:f fifi0.' :=~
gi-.?tE ig;.ii:: C.t3Oiliei3i 13 0s., Gu.~ ~ ll. Thi:: tt'Fifls.ictftfii Gi[I'E`Z 112 may frfi;:Ei3it' a t[ i1.1s`EcÃi^t3.
i:: :L'9d. ...t`, access point 114 in i-mpE>mE< to at least Ji.i_i'E'lt,sh request :3 'tfi>smf$'ied t?Z` the pt ji}}. ` ? 41; lYZ ',il)1:a]i; :iZ:Y3}?leI2aF.datai<3T1S., diE% transaction card 112 Fi3: Y st.i..aiw=fy a<: ih+:.Zt;i_ >_i3e sw.:,,11 the ,Z.....C::iZr33 b(:b,4cL33 <3:fZ (`Jl`t and E)ft 5t:1i.L in response +o C333<: i'fZC?r t =~=
i;I1e t. ll tiZ0.t. .'S=C,i;.ts :1<lb f?-fi:=IiEdL= a user request, 's:.ofZ"ip;t`.:3..i3 c-x E. zn..tFs::=i7C?t , iIisC.'~i$iC3l? of ce3Zd 112 dSdL;`t'.3:tà mobile de'E'FC'C; Ici?dS`,Il C}2aIZ,;L' timer E.vc.3:s dGI>:':,.1t):: of t2Zc;f:'mil, 3F ~c<:a ~ . . . r, the ~c ~i >.~t x ~x;..3 .~ :. Z' ;}1C: it;iC,i, =i3's31ltJti= of Vd ilC lC S, :ZE E\~
C3Fk $.~Z:iL ~ii . Il ~' is c<; ::Ffs_ `E=Ci ls';
fZiC mt;E ...cel'.iX from LE2L-` 3:i3titIttliTd?.i). 106 using wireless +.E?i'.=ZA3i..lC,2.eFoE3. 1';i.-`=tf id;? SI:EelF
as `N".:3. .:.;fWo' C3ihm i.vE',=;i1Y:S. For C'.x22:IZ:iplC, 1:hC:
1"c.EF'ftiefi[ of: <<F3Rl 1:2 i'f?iEL' i'E)<.e,`.'f:: C`.:E)i'.
or :iZo:i'C'. .`Ø.i311?Z:if?i.15 to t2LL'atch the F123:.G:iY.:lfi S:)ff fcofZ1 ,^avC:flldziP' I:i6.:t4b'C):t; (not illElSt:fiEtC4:Ã,) :he >.i3E>i72lf :_7s',:'iC'.E: E I().
20 ,. rt'.gijf*dj tE3 'LPl.ii..5lai:?IZg, i)<.tw(:C'-12 protocols, Ei3f=.'=
i:f-mZ.:+<3ctiE)23 E:i3:-d 112 .iZ'ii3.3;
:)fE,Qc;;; .,..f+:?'nZ:lIi<)?3 ili i;X<3ti1.pl0, ISO 78M a standard security p-retC)E:<,'33, ziF'A'VE?f.
i)E3-ii 's. this c:3se, ffit.. Iml?i3,1:.Y1C):t3 card 112 .Ii1f.Ft%
Uiti253<3te b::$sLo-..;Z'd ;3f. NFC pit)¾53t:.C);
~" 3, ISO `J~3Z~2; and il1c' (:rfi,f;,<3i'=tZE)xZ-Gi~:f~t~. protocol. ti?
addition, B~Z.:`Ee.ifZs<~.~.Ã..<.if 'y:=f:ys-~
~t . =
112, i3uL i>3tif',:ctcE% flZt: YZ]ot`ile device 110 tti1rC1Elgit phjs.t. )t 33Z:2:if,lc~-,- itti 2: N{Yn3=.;`iD C3Z' S. I11 regard to :+k`,C:E11`I.tS' ~.~.f-E?ud4;ik:5, $fi::
t;-i?a?ssE-f:i>3: .-<,rd 112 m L t?:-E;.~?li,iZl ?3iu i`i' 11e01'`v' e.iZETyptE<iti WgC)1'ff}T2Z1s !o sÃ'.i itkE' afE>E'f1EaEic}f:
sucA. as yi3.id d3<sf.<bi_'.' it':g., vf=i'.:C;.?''t i;<if-Ci Ft'LIT:?Zbi:=i, dt:b1E'-C:EZ:f'd tS.?XZ .-,f;,t b;wk >:,<vt'iEEI'kt #2i3flst`. i ` '~~, f:7.&t?f. {)iliE:~T' security related Atlf(?I'.ma( <')n-Th:) scci3:'.iÃ.` rC'.1<IEoC3 may 3TZC'li3.dl: an vxpIay Gfi'ste, 6;.ii.ni LefzfiE:=attC) :: code, i3<<1:
.:.<3;Z1c 2L ~:'Zt3t>:) :.ii i x,~t:,', user i:i~? ;:~<)E~<: c/~+;33- E?ttZC:!- LiSf ,.E' 2:iZ.~~C :'`f~'f23..Zi?.iZ. <$s`~.?t f,1t:<'.+~ :4` i3Z S t i9 fi'.11~;
.~:Z.i i=`, of the card ~AE~;t:C''. I71 sC2ZII't'. l:Z'}~3le Flf: f1f 311tit23 s, E~lt tF'.i1t1..2t}ia t'<fI'd ..,.` I3 <.ty :3it.y:t.:i= y ,:<3..i k't'.y (syTf11I1Chf>: #iii?,'E)i'ILhi21s) s31C}l its DES, Ti.)E::: a.`'Fd/i',F' t)tfizE:.i'-; i):' :3.f)E?.`o: ,-bC3`S_ P:i).
ptlblic, key 131iy-,',5.3.,thZ.ila} sEivl:: as R:.:9A, eMpEIc e;E1"r=u, _8-.
as.idit<F.n,, Fh,: ~r;F#?sacti+:sF-# card I12 Fa3ay inciut_Ãe: me;ni,r, f.>i:3$ROJ\--Ã; -tf r #f?'j tFtie> d:FEa3, app]:Fv<ll#o:nS, t:)fflIT.iti Wf',bpeigCSS, <.ii2i,,`C?1' >el2<'.1' fiff-bF'Fnatet?i'F. lsa f~ ~::f3iYF~
`.l3~: ..,. >: . .< ` - y st3i:id ' =i,i?:t i~.F?.rCia 112 3?fcF a application ,~.i <3 = t it? <3'tL3~3, die ~..'<Ef.ti :X~:CEFEC: i t?l:~E~z'' a~. ~~?;:n:~
~t+~A.~.,3d ?')F'es,.#;: >.t3k;.iF'#FIi#.i:`n to #il"id F"i..c.Fved tl2f6i'E31<$t;)f2 ?`iY22i1 th. .a53:' through d:i' (R."I IM<
; ?<`3 ; f . tA..< .:~:E. :,?:i;;, the t 7 112 I t cz:~FF= \. , q.. .~., ~3'iEF?.ti< .?.~~.~ii TF ::ii3" C, .. Tl#:~% :Y::F2Ã' an EF~ Ã.tFo#F
E,<i:d F<, an ..4.~:t?;i3.: ;:i~zf3lt ~. 1~'n 1) ii3s^, :i#1St3tlFtfl)3'F 106 using the ~.??e 3I Fai3i. the fi:>>2;F E: fi'.=~'a e 110. 1.t:tii3>itiS''t:3y }3 1i f3ddltioT2 t? dppl#ciF$i<)niS. the lt'f3d2S<31:t;C3i; card 1 32 ?tiiFy pii?:~GI:F3.
:?ffl..1:ti' ii.~i? pages 1;o, flis,` :5.E5x9F' using $hE. M.J9 H L II:
i'mp,#1s(' to FF'fx #i1.EEi1g a.
i'<FTis_.a::.3ii'#, 1'hw ti#iiiF::iiic<ii.t)#3 card i12 may <`2.F1to1:i2.cFE3C:ilil}=' present an (7fiffiaw '4s2=.4b Ã"cig4.
?hrZ?tFf.:li i 2c Y s? A 11 L In `at.}F,t..e iT?gl'.i22Gnw61?ilsõ tl1e.
Fffl:E1Fi. W'l`, i3<?gc t;P:.F?: ,5e `ei..si,c.#i;:G=d a i#."W,'iain{)n 106. In s.>I31 t};L citlti? 112 can be :>>.it.,.'i ,.;i"i< .,.oz3.i3-;i3dblc and ojds.:x1to as a I113.ws storage d.:Si;<'.. For +..1=:F1n.z~fi~ if die ?='s'#F'F.`zt::>` t.:i.r,;ioe ?f' titt~ r:i'.:3.1h1Ei,6023 cF33'Ca 1112 iy not citi,3:fl:F.ble :i' d1e L:i3 :12 ai?iFy )pt1<}tC: as a IfIi3s5 :ifE>F'dgC'. device :eEi~7lF11 ;
CF>v><i lv s:iE <,:;s '3:) siik.F .~ ,:?'ti:=i 3_f? Iffit> :i2;+;f`il?ry ::173T?Slt'.FU (f'.<;;, i'hah}. I#I fimt4e, i#2,pl.E3.ti..f3..a.fF+3::h; dlc , <Fcfi,,>:.,~iF'd :12 :iFn e.tivi:Fde a s,f of fY?It1<2FF:FxFtF?SF cC?n-n?:e;Fids, in F?: I's.'<is:
3'<3i3s nn;e.Fiti?i3 t`>..>:'`, die S:n:;bi;..` device IIi}. These filid3lkIicF'+.?1:F cCTn2n?a11f:... F?:eiy include L':eteF'i'#F#'t' .g di': F+ L 1vIMi'd iF:FI3?Y3:FiFt)IF for tl'YS:= F'I??bdio t.~1'=G'#S`.c 100 (e.g.. p~aC3:i)e nF1I?:ibS i;
:3#r.1,F3,..w, ::C3n~)'ii. is'~ Ff~.f :~'<?:F:~ ]:f?.~t?i~31F3~I..;t3, `.C3t :1L1i?:i? tI'1~'C?:i'i~FiitIS...e., and ti.?3t'i' <?4i~.FzF3Z?l+'.
F? i>p..#t.t'- ), d'.F:'=n.i?iTin.i3 +FsvF relating il3ti)Ya?:ilEt]A;f?
(i'.,<.;_ PIN ct:hdti=, iFc'b#v'aE3.s?E 's'o;k`),, F31L;E7. ~#:idF?~, counters, setting flags and ~EC'tn~'<i'~FI1~L
a.~w=sf;~'til~3tAf:, fEaE~.::.F ,i1;~ FEe:F;F'e~i#Ffõ ~f?
Y?Y'' Z ).':n:b:?.:?= f`FSE';i ;i:f?~:'`.F' sFfS;)#E~~)311:i.
z;3 yoml% aiY3pw331i F).tt`1::it737s, t}Fv t#'siF$;iei,'=t1?:2 card 112-F:F~..~F3y exe%CFtv t3310 s. > n ~ i:i?.i~ cvni~I'i?l ~~F>c~;SsL`s. ~'.?~i' vX.:F:Ft'z~7?4.s t~'lt;~ ~CF':~:#2~<~< i:Et?1 < `.FrF: a ~ 2 may change and ai.lli?AT2EftI5;:i3ll}' tf'F3R2S:fZ1#.t a ?iE)t.ifIc.Et..ioT3 io '.at< fi3'1F3ilCF<:.:
.i.hc ti<:nis:Ffõ$A5F. card 112 o:t5i#tl.ii?i? .,`>.si4., at least in p..tt, on the IdETFLiz#C:d Ã:=}liftlg:~. .y.
two ia,:i?.iffi i,',C.IinC3l pTiac.JtiCw (1) d>iuF'[21I:I?.e. a 'i+3l.;6:?.3 sf$ ?,":c or :i?1E"i3:`
'Fly and (2) iFiF-t.:si21:_itical;.y cxc%F:itv one or more actions ?n Fes??t?I:st E:f) at IGti;i; the b'fi)eu :.+?3.F. >iA t\:gii#%is t? :'U.Ee:>, the transaction card 112 may if1:e .lz4' s:tz3'fi;: F'W::s i$4.?3t...i.#tv., bvIih up.zFWti t? :`Pe#:s.ft.zl1n.I.i aspects of the iF'w1Sat.:t#S.ii": card 1 i.2. i~2F' v:~ai3E3:`ia:. :.i?e t.i"si3is...z:nisi3 %f3ri i i.:.' FA3ii}% store a f'Lile #ikd1:2F111 r< S;hiiFF4;C in F-.Enob#ae, Ai;:tS`
~`,.::Z..ct: 110 `..: an opi'..F':Fi?'l?x3til i'li?iiFt iQfi. in Si?il'.Fe 1}I7pI<%UF'=nit3tI)#2,. 4:Ftd 112 , . .u.., y' s.~.C: rules ~ ?i FsE'(~, at ` least ~ in x.it#~ ~ , i: fil f3~?lie:i r 5les ~f: . CT#FO .:. ~ = ~.3.,~ c-t;= o. >f F>'F~. .~t~,.liYs'vFF:Ft.;"
. ~
i4..
ph,3ne oi, ht>st eiet-i;:.i Il,); #'I.AC addrc,s:; of f?.ost device MO;
A:,,tw:?rk 003131wctL'`i3 t.`, t:t?St device 110; loct[t1'i}I?. of host Z.~i('F~ltC, cFF'Fd;/(;., ;_r#:hor a,?pt.,t:t.i.
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used .`t;t' t?dF::i :FQ3i31iC:FETi?.z34 access t.C)F:FL?'i;t {i,? 13pL-`-IF `s2FEC;ti oil<'.1' #.1"i a corporate <%Ã'F! I#<3...¾..zC_:F): C?:' #n. a ?:E':2#tl:.. e">"i:.d=t)a?321Lx3:,i, logical access CC)i3vi1l. (to request i3C:Ew:1'k :FC3'.C%Ss- e'fa> a i3ppiF<=,s.s >:i access control (to lyEiy access 1.oF :ii.F"t::Iiit.iC3a such FiN' ?::if. F#'i,:z.>i ;zE~~2>a ~`;., : i~. '~ ; IX'=<.~ti Ii. ~ s ~. C; #TZ<i+. ~+;3 gain .,to 3 cY<ciCGf::iS to $tF< . 3 :._ .~.::L`:;;' A >ii i lE''#ls ,? a a'i'A3d#i:...ioFiti.
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an OK ,?E:i:.:f33 a:iÃ1? ::z screen, <.>.: LED tio indicate 3:Ilz;: da:a g:'..L`eptiE3T? is bLiÃ1`'' YeqFF..:Si:it ..F:zE'(?x t?ffif ,I"
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3Y3i1?.:t,<,":..t> from another card. 112. This #iii3Cie F.ia}y not #.E1ct}.d'ti a }õ<_?3j:t?, '10 ~1:i3v a?'d o#' }:,}vL.E'-ThL A_t#.' (01A) p:',i4C'sF'I<3l!i$IC3ti Scei".E3.fC s whIch n"F c; be server to ci.:Ei'.3.t pei.s.`,ni}1;ix1t..(18" scenarios. I#1 s(?me f#21~~lea:tf'.?]tattli31}5,, fhf; ~L'~3 ~fz:3}3 <i?`..`=L~L i.(izt3' b<'.' ,r f ~..;`~~ ~ .~~ ~ E , z t i ~t- r-` ; =
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a t a' ..::: ~.~'.E'y+;)ExcalI.%~tiC3ez 1i,i~l where ~~1C, EE'F..~.lS~i..A
~i~.CE 112 lm.i13"#I3,"-1fii.?1 1~'i=e;?I31 another vc1t1.5i3otiC31 card. Si$3i'.e iLv'E'> :#<3A.`.Ev 1i3~} cards ~)C#aC1*i t~E..<.,3<3:;? tit:fiEl.ifi 112 o:t;i. :.s..,.? in this t]iCdC, i}Iis I3"IiZde is not a server 4o client ;t~ `; #} : ~ ;i>: j ~Ã; #cõ .}tt;:i ~<='~ ~:3cz-5i~txE}.li'c,G:t:c;#~E.
lt: rrg3i0s to the k:fDed 3T#i?i3E?, the tM'ÃiT.}szedtii:>3i card 112 may ,3i`ri31<`:kEltWl5:
dC:.3ci.4=i4?:v the i.:3:i?ia;:t,i.JS .3'.itLrfi:tt:,v, t}"I some #2?'}pl^:;#1IL.:?Ei2di';E3.;+, the }il.cd 41E dE: is i.:`E#tst>~.`~ii .ai3#.3g31 tht pbysEi'.i)l :3?tL~rfa}cG w#.th the AT:}C3b3fv d. :#.o4 A 2=) ;'itlt.h. as :i nn:ti:roS~.:`~
itte:fa+::?, ?1} i;`spC?A3Si' f;? E1f' li:itA itht a10fi:i}E1(?t3 of fi1f .
killed 1'i::CfE:, tw Eraf""'F#ct.t #"E .:ai3'fa a12 Ae:..3?' b.:ht.vLS as a #'tli}ss e"i1G.Y.?1i?iy sEli:k. In d26; 4-`;t`E'Tn that tlli. Iv7(it .E3e+,& p:3 ,: 1Ci pie?std.; the lc`st3sc3i'.tiD#1 card 112 IiitEd', in SEt313C" iF}.i~3.c=#?1...F}#:?.1:?I3;?. Iio4 15's:.
#?1'a v::C` other I31i;!dL=ti. I23 F)ddItEi)FEn lhL`, I}'anZc}C,tiot't card 112. E3} sy di'6ULL::
ai,}a}caa; oa ,'A.:irt tli :}31+a`=}l1i+l"y iF3 }'t~spi?5.1:1e to ai. least this mode E3o T:rf :}1:f., ;,.,;Lc3. IE; :>; F#'E1i.`
= .3 .
S`v'i#'i3EL=:?S :;p5',ri-ff5i'u 3?'.IidV use this %32oi>:= to del:, +=c3.tii ?E'om ::<3:i'+:i 112 A?.lIyJ?i'.$.lAj% lt: #t..
:I; ii;'dy .1õ3 ._ic al?w'?1'loi'y 1'0.,S t:!lt; tva#:tSZi;:1<?:i) card 1 ?x.' 2nay ;.a,::I:.. as a Fi?.aSti .i>?::3A3Z?;4' Sixi.,i: tii:#cx: E''Fa. 1he 13'1.L'.i)"i;.Jl'l+ is accessible t3I'otlgh conventional ,.1eta.od:i. 13:
_ sm.,ic .:'il'z zm.1o>.?tw#J.i3s. tl?:e ti<i3il.it=`ilt`i;- L't3i'ii 1-12 121r.Fy ;i:itC?I1:FuEti<%.i.flt Ehl2S M<?de po ati.. io at least being #'{.`~fl?l?;'t';d t'A'l?#:tx the b.C)tit de\'iet:`.. 1i3:;L:FõE6..e 1'e'.s.$o a i'i???-=
ie' ?e s, i'.iosi: b;.UviGt:, <3Ytd%d?.i t`:s'vF:t:i. The t:I c;#i iat;tFoE? .;7:i3 t..
112 may bc ;iw.3,dez. ..`. <.ub+:: 33?i>tie ,i.'#"3im the i.?emt?:Y :i:C5t.6e bt'. fbr emai"Flpli', :it'i~er"Eiti?' t.b.e +;?E?:iYt 112 ..s.:? :;;i iiElt..?~IIL'tE tPC.vitii:= of may b:. S '#tEed h'S3#2l this It?.i5dt' .into e3.FE' Relfti'a:n i3;ozi ., to `. n. a`,e#"<ao#..;.hi.`.t tj?e tlvZ iw.i;, for a Xlew i1(?S::
device or a llo',w Ci;ie#' ae ci33.i#ii..
::? .::?pae.1I1e#1t'sit.oilS, tho '.#'ansi;ctEi?]1 card -112 .i2a~: be ri,:..
2;i:'.2si?.ic.li::;eixtipdcl(ed ti?.iivb as using Si?t'twiirt: device :T2ai1ago#ne#.:t :`,inc.:ss and/or a I><?,r.ti==1>?'i:: a'oa'O?:<ii.1A3I<; ti1e llioi'?]?ay w #:l#. Ets :'i:-pt;aS:`.Il:iiF.{:.` E?ic c:i4'l?
112 to change host devices, F'Ia.ti'e T:I2W11A?Z<: host ds,t`1,:Ls; a?3di<)#' od'ii,i' e:.>....<3#?i*, Iti ref,;:.:5 to the ;it:Sftw<?:re doviU'C il?a#IF?4;etll:'#1t., the user Fn<iY`
need ti? cradle O::C: m,\C, host ie2Ca'.: wYith, ti-Ii.'. `i"sli7coi:7ct2t?Fl t:ilSfi. 112 i#1tiE'.t1U'!'f to p<iii'it;h the dt~Vice i.3t?n,,..i>ii:i,.'=i?i application. I.i? ifi"ipst'=mGSiti#.IXC>:tti, flli:
;i)ftw;;F'c i2;#ie c3 vt'F`>C3:ifi s c:351 be i3i"t 0ppl#.O;:ia:ii3#7 directly !i'F.:it.:ilieL? on the (:liA>#.?$
104., 23:: a ,?h { i::? a i?i;i'i?3F1? ;;j='ilch'E1n11:fiÃit#li application :<l.lCb i;S
t3.i:;tlvt SwZ c, .i~.:Ei4itbk% Y3a i?.
: aw.}e7 ; 3i'g't."+3 a"i.ti131i:ilg o. ? 3.h' QiY.0 Ã7?`f}Lid<"i :i website, ;:i1?4Ãroi C`.>lt 2s<1i3;:<e:i; 3\i2e user i3i; i .`.,, 3!?i+`.> ::3~.ic il~?~?l,Cctil3~3 {3ai;:~ .~.11~.`j-iheS:i'. 1dcf1E>iy, <ifiG :, E.:spoiisi'. I:i the application may all<.}mY i:t...C,e::a to Z. devices st t,d<"s:. :,',3 E;?c dC=v#E;E' 3n :i#ti.r?c:#::o, .:'t <3ppiz+'<3ti: ?23. The df;'v i( 1; management ai:fpht:i$#o:? ?a':;zy #'vFd the 1:1'::i.t.>i4.::.on cFl:i'ii .12 and tSo.:#'o d:.ie NIAC cidtv:ihf,4, S:igizi3f'ii'f'.y of ihe d4, ac+.: .: tI?:..t he 2s has F.n;,e"ii.d his YSl1w-.m. to, and/or other device .4.pe<;#.?`..t:
8.Y?R?#'#:i?.tiElC?.i3. 11;,c .ili?i?ib:=
t (a~:&3.~:~' 110 ,' be xI'1ii:~~C<>;:~ as active and the host ~~t.-v'F.Cv ills Y i?E= s:~?~?i~ f) as ;#kF3:IlC?~~:'~:=Ci :#? i?xic?'.'i W app:3L:iIdo3i I.'iil3 i Il.ibl0 the LtiE:3' is3 lFpd<3te dw ni.ilt:^ t,.? ,.~iC' il: 1~ ;]o,"t .A `: efl response to at 3<':dut the SWtiUb:i .:}le device ~.Y3a.za;:;<'.n3:
#.it. <3p.?zlt._Et:imn, ;i't.=.`j' ,;.i4ta;; the ~,#gi?f:it:i?_!'c Ci?'; #;i1Q iiiw hi?yf device a.ild i)if.Ei'k i.4p:a:i:e :E~:: status e3:;<
3~. :?fl.?i?.;b:w ..,, scCtti"e t.S#::i?l,"sl -y of tl?.i:= transaction c.a.rd 111 The ;iw, t?:my b.: <i:?k io aW, ;ipditt:.:?Z Mt:ii4 of be #iwb1lC i;l+:.%14"c 110 EC> t.1:Y.S.l.C)1%1'cd.
OF.ilczwi~Nc, i?f?E : <i<': it.t:, may be .doic and Me tii3Tlss:ii:t:;ltin card 112 .'tT3iiy be switched .?C tFS ~
i.t ii'#.c 1b-vCe, d4! #:.+<.5. 1:i?
;~*>.csc; ~.J i. a:v ?Z~i3~C~ ~'ti#"t~ reset ?..rl?vt:43, the isG i"Ili4' 'LiSi'. ij1+.. :~~5<3t :?C'.~eC~.l~. a?l?iaiS E~E~~;is C?::3 ~ ,t .
~ hy":a:.iFi Ãr:i.i.sa4fet: #.E card 112 Ãl? {FcÃ:ivaÃi'. the tif ef e.2':FF3: 3F3i?iIE:. aFF E..i>;: ;Fc?ff('. $i3e 3`:? .Fx:.:i.3; r::='3Fi3 i3zcly be dekiC;d :{FlCt ii3i3t--e ÃCi b:
relo'siC'.Ee<3`. When. :SzÃ, EeF:;i3s;icFiS3i: 112 i:ser{edz i:i3Ão the new l3l?SÃ dCL'iQt=, the p{.? is,'.xrF"F1g pEf:6i.=E.i:
.T3ci? e`x(:gA : a's diS+:ci:iSt'.f:
iÃ:9f,i'v:', a .
~:Fii3:i3Ã 114 can Ff:t:l11t~C3 :17' ;+f~~.t~'~'i3:'Ã%, ~<,f-t:4.'~?a ~':, i3:II:3,+;tr : firmware Ãhat w'3I%w> k;d. :oCc.iv"~. l3Lt;;i?E7.?.Ã #.#1Ã'<>i'ii2L7tIo37 for ex-.;U{.ÃFil`teF 1. F:i'.i#"iSaL,Ei<?:i3. w1Ãh :`iQ or n):?:L
Ee r'.3SÃC'.#
>1`Ã1,..+.:: i3s i.Ã.?fs. i~`i,?#' 0..hii:i3~?.~t , Ã~3S :{~t'S:iS
~.){.Zli2Ã: 114 3'22:F:S be an C.SE:~:t'`.;fli., cash tF<3 :{:~$FE>F:i E;6:iF'E:e v<3i?ii?d:' ... ;t.n.lQ;a5i`i ÃIiiilSi'i3i1:{i3IiF Ã1'i3:i3GaC:Ã.Fii#:i Ã#1fEJ7tYiiltioFi :4':??il the 3i i :. ... .',3e access ,?l?n.:iÃ. ;. 14 F':i3y irai25F'2i:
.z,:bfiF"fii.ÃSE>L i#3 C;1C: or 3"?le`e.. .i1G. 3`i>,Ad>wS.i3g~
:z ft Fn t; . . .4:4¾3 ':';-p.: A}3, Ff,.tic=a. Miiiw-e. ISO 18092. iSO 15693, 6i#:{:.l c3; ot~A: rx, a E.c I. C?T>i3iFliL)Ei .a?ii1=' #:ilCi{:kdt, vL:#'#fici{E3i?d3 E311C?1e.3agi)i.
L:.>f.,.i4: F#i:e.iibf`.F=' '<?IitFng ... '-'C?i3:iit :IifÃ3:1hc;1', transaction amount, .#II:C:, dF'#v<.F b ;#:'e i3sf< ;'FEF#t3i?eF, ~;:3 F i 3>=i3ii31i i?FFlaF'if:tL'ss. (i<.d3Ã--i'.<3A'd number, #.~ebFÃ-C;:F1"d T.Fe.:F7:?bvr, d`g:E<:>.i sigF"e'ai.'.dt<:
in soF'e s.i3p:C:FFI`v'F.ÃE{ÃIC3ns, the E.:i3d3)..i Ãi{.=?:
#EaÃE33:F3.<3:1f?.i3 may 1.5 be .yi3'i #.MY:iuv'f4:,d implementation, Ã}Fe avi::Q>s point 114 F'ec4.<:i`.'{. ->?ii:iya'9r.ed E3'a.i1SiaLfiC);i3 information fi'<?211 transaction card 112 and ae3:itY il3E; F.FI3`.t)i'm1i:tiii; to one C?' F"13E?r:: of the ii1:2 1 3#' #:ii:. `.zwt>.?.it?{. Fo;. example, the izC;cCv:> pCFTti. 114 may i'i:E>C`1ve iF?z indication t.E3.',it i:i #{?33i?ie.dà >e>is been x.ee<:pÃ:ed or UGclink=i2 for :i:iS> fÃ.,.T?E.fic3d iTt:Coi.t3.Ã: F$Id.oI' '.::: Ei'e transaction C.Ã32"lE 112.
A~:= i34i,'ta 3z? 'this LiisclE?`+lii'L., the l`.hC'=7]: 104 are I3'1tE;`IIi;ti,d W :'.f1ciSIfFpci; s a pC#"SoI :
t%<3n:,a.`Lawi', loE?ch sf;:i~.'f';:i3 'Ã.i:;'#:F3.a?il, workstation, 1<:ÃkvC?f'k cE7?t3pEFEE::. a d. sk:oi3 ;i>E?4k, SL'i"..,.:is ?.?t;3 pt> ..F'33E3I'Ã pho:tE,., PDPi., <32?E'. or 123:f?F'e pI'C?Cs:s':t:?F. w,t?"i2 ES;<:;>e or E32.i)E'.'#' devices, or i3A)y i`,ÃI{et sEii=`.eil?le p3Y?E%e5s1F?g or elCC:tE'i?nzt_=
f~.ifrstf.i` ;:E+F;d $E?.
25 ai3Ã:E>F' ,Zt$ii."t#y i>>oC'3iiEE;d A.~'.iÃ:h the transaction ;~:.+rE.'~~ .
:K. f.3;' õxaFY3p.4;,, i'=hmu 3: r.:iy ,?e3PDA operable to Li'i#'elcfiSly Ct3FFFC`.cE 64'Fth an 4.Lk..:fi:i; or .,m..e.viF#"t;d i? >:F37E.Al3C'.3' {.;:?i:in3pl,.., Ã?ic client 104 :i?-ii3.y i>o#23p2'.ESU a laptop i3@ai rw i,.,de4 an ;ni.?tif ~,E`~>iz: y, touch - 4;:'E.r.i3.F' E1: 'EFSF'=. i?. ?Ãx1~'#' E.
.<>: can ~?. ~i:if%j,r:.
., ;#3iE;~3 as a . keypad, ,.
iTia.3.t.,.i: g.. and an output device Ã:hLie s'..:i?k3S.;qs FFaE#IT23FFÃ3f?f3 Fi:oS 3<'.}<{E,~e Z&J.ÃJ:?
JJ :i:3:3's<.ciii?,y .`=;tivt'=i1tCd w1t>, the fF'1SÃ1Ã3.{ÃiC3S?S 106, z1:iE.;lE{dJ.F':2= digital diiÃci. 'V3t+L`+'<3i i.i3f.`;.;.,..iio.a, i?F.' GUI E11 ?23 .<:s?I3i: YT.tiWemE'nfEIlF(?1~;
lh;:_its:.i1.Ã 1.04b <'.i1i3. ;s.a=if :~Z%
'L'vi?i3.3ii:3.c.?Le s;'}[Ii the .sa'3,'.34;;.4Ã.il3Z.i card 1:2b lFS;33fr, for E:.:tNEF-1pdc, :{? NFi. ;2;+jEE?-~:. , f.ia ~yFC4E~
F'Ei~ fh w ii~i;:F"ià S ,} ~~; includes a o#FF"'t~ 3+.<3i?~'.#:' 1.1t, kic3ti.
i<s a ~3i _[;., iY3:B::: >`: i,'.t.i3iir?EIi<:c`sdn?~ "v"th t:a(% tr'i112Si:1ct?$3 S;:':I"d A12C:. I:i s<?Ti"t 3iT i3:La31.:#~#F31dfi::h>
:he t.;zAi ,,.dt.{e;' 116 331;?:y 2E :C:2st ukd4. an .3i,lsiptt'' 116tb d:i?i i{d1ptS ?:E3ia .42=.f"aGt' s13pp..r<i:.d b4 :Tic GSiGi1. 104 (i f,.. UsiB, Firewire, BlElvti?C?,i, WiFi"
to ri3ia phy:-,#i<3.i by the c:3fd 112 it r.~:, SD,NFQ. I:.) this ciE:^c, the czie,i: 10-la may }'x`t 3.i?v>i3=a:' :i. tE'i!Ãi;ii:+m`:Ls #' ft33' wi3'eEe:=iS
f't?.?'i?'i?i:iilicitiL?1.
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~.i i:H (?1.3~ : 15 a 'fycFc~~;;~li:ila user ?33EF..#~:1C;i: t~cr5L,-;~:'~('.= i~~i :i..z,(>Z'% ix~t~ .ISi'1.' :i<~
t-f1c .A#._#ai 1104 to 3#2i?:'.i'3`#3c+~~`. wAh 'x.=¾ least a portion C)ft,a.it ;aystei?.e 100 fi?' <iT:i! :iÃi.t#3ble pi3"p,3y.'; . Ãc.1 cE:1 v:Gwi11g t#'fla:scdctz43?I ii11`t?i'.i2'icti'?n.
2Scv Tic,'.iilfy, the ('I-T: i.::) i2:'t?vd,.'~1 'iile piitrRW.:.e' .... `i' L:.I3z.3 an ef6t%IeIit i31d lss`v'f" fi'il'.17dlV' p;'t'st',#lts:itloF of data L1y o3:
3 ~ 3.
i ..-()i3 tt`. ;-Et`..icsiGd ?'.':;i d11I1 the Sy:i[Y.`.:i31 100. The GI.==:t 115 s 3i3y 2?.~i~til'F!lt1=' , S ..c>
c#isio`. 7`.:;:.;.Jl.e ,:i;:41t3.'S or vie)S'S having interactive z#k IE.YS;
pL1l:-.iEt?wn h4tS. b.it`.'.:#2s~
i`p..>o3..v3i >>` d7t: >.ist'.#'. Ti1L'` tUnii h'kEph1CFll l:EsCi' interface #Tl"Z' :?e i3.:a ti F.n d:,: siT g1:El:iP' or i`,? the }`,?fiT'<.l to Cic,ac6'T<: one l?i' I?;.;i'P. graphical lise>
iilk:='lsic:L.s and each o.. t::c dFso3i:?S's of t <i":ipeiQc3I usL:=i 1.i3Ei'.;if#3<;`W'. 'I'li<: GUI 115 can include i#i'y graphical #1:set, iniZ3'f"..Ce, <.+:is,.k? as a c`:'Sl<.1'1t: wt t; b3'3l=sSt'.i or tec?i'sca S...L'Ci3, :hLtt `i;??cf,.C.ti_t`s in 1.
ta?L N i "'?C:~..~ ~ = .~~ ~ and <333ii a :?~t:7Si" Sll1 to t~. 't ~.
EIsI':#'. 'I3t' l~. =~tifi.EtiC.a:2Y's :t; <~'~~2 ::e.i:.i <3t;~:,'`,~:.t 1ir ~~ the 1'C>;il data ~ :r~n>,3~.i. ~. ~ 1#;iTdtt,, <~ f~_ ":f~-\~;. ~' ( . cr~ ~~3~ ~.~:3,~'a IitL::a`~r = .~if; v~lvi.~ 104 .t?i' example, ~}iti web '1~ .~. t.
i:x; ;.t`a::,' J. Mn:?,I.1Ma : iTLf:'?S) and i",-;i:tJ.#'#3. OIC 8pp, ,"i?p'#i.EC .'.=SÃ)o>::svs Ã< 14 . Aff.: or Xid . ro the t`>3'+ wsi`r 1cM:il.g the nr`.m'i?T'k- ; 08. Ifi SC)231c ::3!?iellf'1?.tm1ons. :ait: GUI 111 `
of A:< card 112c may ~?t:~ presented through :l1+. (.. i! i E ~ 5: i?~
f:~~..:!s'=f2E I 1~~=:#.
iii :3i.j? ; atrlviS,etiYi3.tli?ry, 1i1#: GUI 1. 158 #)'fnYS I'ei7L.i`e t~ser <'.?:C;c.elt#.z3,,, ;.:'`m ilw GLId I zlc .i;nti wor?.12.<..u financial foi"221~ P#C;5ta11ted in the GUI ll;3;;;.
FoE' C::t.S#3FpA. flh.' ? .: 53 ?.,Lsot?f a 3`)ii3:i to the user ft?' < .iitor1E1g k.t,d:ii.
t.F3.#'c> i'A`:b..lic.:::<3n .C? q:ai.+:oA3~ase a ,?t3od ifr= ?.illtiii's;:t, and il1c Gc1J 115c may pC3p3CEa"'e3ti~ the fornz ~ ~`=a<r the GL+S
".i~ toi:i: iec2:?t a 3vq tSes t.ft'CYII' the user.
?'i....iii I?nS 3~?ii can 3.IIC;11At: :I~':l} enterprise that may ;i1.if.~.?#~i...t,. ;"'i.Ei~::ii3Li1~Y2~
>5;,...ib~:ii .;rough t.It; nvtwf?r.k 108, For oxI+Y?j?Ie'>, the ?Y3S1::IE~ft:
i? I06a em,4 i's!.' a ;i'trS:lle' 4.t:rd põ'. . i\i:::r Efi<3 ift ~i,E."3iit 4 Svht'#.hG= to c`.ELEtliC3TIzC a tiiI.J li:t,'.3ea ;?a5cf.#, c3; :ci# 'a in p#?X'E:, x='fi `?i ,.2 + i> rtceFvs:d E?:?Y}i:Egki the 2.ts..I:xC?t:~ 106. The fF..ta::iil<322 Fe':? ,?z<3: b,,.,`.t credit on ;)l v:.i?i . ?ti5Z d`:i', a be:Ei3.i; an association (.'-.gy,, VISA), a 1'f,`t{i1l xnt:acha.ii2?: . Target). a, P'vpa:.d. ie +:.:<aii ;3roL'.idl:i', a#7. i11ie1'f.ict bi3I3k. %
i..t?voaainlt'`,ii: nt:fy a cliEis; <i:I2d:'s-fi t?i3 i..ll(:.v,'iTlg:
1s'.:t, ts ?~::i3<.?'<3.l, #.i-t:: institution 106 may execute i:Eia,:~
?i" [Tl.?I."6;: :?1: ÃiF::
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<if? F3cci?i.t;3i i'tti:t:3e:' .il:id fl=ihe?'.
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trai.:tr.4LF;..>,`., has been ::it:cepkA or dC'.ClF.E1L''d:, and/or other pF't?cf..ss4,'..: . In regards to i?:3ikiF?.:2 =.h<~ IiwiFWtoIf 106 i3 ay ldi''=I=Q an account Ili?Xi]ifi F' (i:.,;;., bank <?.:ct`F?.F).t; d5,`bEf.
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Ne.'.?ork 1.08 114::.TlTttites wht kSS or xit%fi"c=d wE1"iTFdFx.E].Fcatf?:F3 b"s:'i4tiee[,. .h<. f...:F?:'.=z<3.Ã
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Ne.sv;F.t Fmay ci?1111i"I:li?.I<...3.IC:, {.)I C,x:li%3plE, Internet PF{?tt?x.. Ã1i?3 }1c#ckets, ?'rii:1"1'c:
IMiFdi< (~~ ~'M) cells, v4sic5., vidÃ'.`, data, ii;d Ud"83r :5 ~3S,i~3 k'. .; t?e'f`f'1'f network <3ddI<;isC .~,. Network 108 f?:Fa3 _>:;i{do f?i3i' or ;~:F~~.Ei:F~:F3 area .i3:13?'s 'c3a?,:`ii I:etwL?I'j~c. (L'SN5), radio rtLcS;;Fv networks ~~\Ar''vs;, 21.FoE
~.-!AN-:i), widS: area nt=i'wol-ks (WANs), i3ll. e3I" a portion of a v' ~,jiSbi3.l Internet, ari~ ,i'~l~ ~trz . c.
~~ ti~i~i.2~~.''- >..t~'i;z>ilk known as \ the i .'~) t c .:.Ã~~..r'a ~.:~ a.~
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For ..;5,F3333pW. :hLv ;ey:;teF: 2f?i? F-a;l;% u`i"cl('.5~ly co.Y3A11tfi.:4<iÃ:e a t:ÃF7iS::cE?i?i3 rc.ccfpt Ã.:? a F:<3i..sw,:z.>?? card 112 using a cFiC?bIle host deti1Gs.' I 10 :l:fld s:f:.llul^.i n.f~..~F.? hn, ~<1i?'i~, ii?'ip 3`>21 I E<?Ãli`i3S, cellular radio If;ohliol(>5;y may include C31+t1:k3I y~.irt). 3.`' MC>bi?c :. _:;Z#313IFi1~ r:i:s31 (GSM3:> Cf?de Division Mu1iip1e Ac es5 #,CDINsA i, : 3,>3.~i: . .:., Z':}T.i).i?i~ili3LcEÃrC3Iis 3b'ti~LI.21 (~.f:~~T'.}, i3i;t?`
i.?a" ~lt1b' ~?:~l(>: ct'.ll li~<:F Ãe,i3Tt :il)g's-.
:te ...i`::..a::i>.i3s 106 3t?ay <3s:>Fg:il or 3-I3Oreilii)bF.lt 't>t'viLc,o a.} Es.i a ti.3ltsc;s_'i..fol'( r, card a:. z? I4:o;3s.,n, :: Et.3 one Ci2" 1I20I'C. (w;alS. SIl soIlle 4:S"i?:fT1pli:S, the IFsi;:' F'i?.F?V FE,h i1:S:`.r :l:t> ;?I>2':' ,?'}stb?le devices 110 with the institution 106 in E:E231I?<::1:;Ii wi:i"i, ff?:i' ~`. c?Tz? `3<:, .ic..pLs.#31 ; :'I'tu #i'aF.'FSa;1'aQ?n card 112. ;?z SUF?I.t` ::.:S,i>,i?2plo5, -1,11E:
.c:.....`:? il3"ii 112 i':i?dy ret,'_,~:.sW,.' Ãi?C: il"E<rbF7C: E?t`f4i df'.v?t'.i:s 110 wiIh di<. FF?S'.F.Ã.EFEii?I: 306 I Y ~: Ite 2 <.;?Ea:eas of ?i?t'.
i: 3 3mpz> `.`,<` to .it l{:5:15i <3.? T.T':asil i:z ~:i'Ãfi.l"I :~ 5 into ~
Ãhe device :.
,ass~ E.. ~,:i'<?t~k.iy the may là t z .,;
t L i.3.t;:` : ~ 5'~at:i;:?=i ~~.{= 3C the cellular 4:1}?33~E[.~.>> $~?.
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p;'.?xi::i?aie.? .cÃ<~ de:c<:c c. such as tl?.e A;:.ic:5s point 114 of 4~IGt;tRE Ã , In 'id?Y'.= 3fl'iI$tlilve%i:l iF?3.piC'i21C'.3Iix1'Ã.1teF:lS the Mli.EE:ti' core .?C Ã14,5:.'st-k 202 ÃZ i?ii:di:~3S' F.e iltAi,s 3:i'i'i31is ;(i'3:Ã.ch]I3 g cl+.i?'If3ifÃ.S, M-iitUUsib=5 i?Iid sLfi:iC=c c,`.}liif':?l Ãi3A:c { ;31:0 :'i2z"
.:C;3iidlc?i G4:.lh-dc13' core network 702 t?fE:cn =5.iot'zdG:: th'4'so tiv.i'> a I:ii13"i?.?Y.I' i!i cv3Wh#' access 41C.1wC)3'z<< (C:..?. ,RANI) ,1F1:z also inFi.' l<31:cti the C:O.iWi;F' syomx?:e M;h i?twi" ci`n.FT.I31E.I2icaÃ]C)AS sS sE<:IT2s SEli:h..t:i the E)C`E2xr';fÃk l:iS", !E} 206, :I? w3tl1 Ãhi cellular :iti3l?de:Et'd:i, Ã:ttf ca:Fi'~:= I"is ÃZL'C?w~i 202 f?i::4>' F.x.;biat? a ue:"aiIÃ .,u`xw}l d (i3I' vf):li sV iti bfi2!?) t3C1atÃC?il for S?i<TC'. s FF1:; voiE ;~'. C:f3.lz:?
pac\i.. \iZ ?.ci,.C-.`~;:i (,jF; 'i.Ãi3Ã:1 swif.chF_ilg) PX?i'Ãit)F. fi3I
supporting diiw "rit"Ei:I?46.s \tFcj, as, f<?F, ex,,aap,.e, . ':'I:zi3l ii:1C>>Scie,[:s al",d i4't'.b b?'C?\xkF1`?,'. The f;il'cilFE SwlEt:b;~l poniC?F ilti:lEIC1e:, MSC 2:6 that ,yS'3-Ãi:Elt?s or ct?r?f.ec:s tc`ac:j>hf?F3e calls bs.t 2=`.`,t'?t nai>#<2 .2..":b;s;> Ea.'Ei4'+1;k <::, (}~ APY`204 and d3e 31(?t.4'o:'k 508~ or another network, bawGa'FI
Q.zÃI:EhaF" core tl;.'t1-~'<.-'tk5 or in i.uZe Ãx:o vmL diL`i-41?i.t'k 202 is a ()SM C;iF'c' network, Er:i` ;o.'e'.
I?~tw=:`,I'l'. .2?.2 <%i3:>
F3;.o.t?xU.:; ;`..2i;.ktt ~.~5'FÃi:hi.,z3 portion, i3lSo lu3Ã?53..:.n as General i},?.vk<'; R.E4:iF`.`, SE'i'Zs4::`
ÃMRSi. including a SelZ%Ea?g GPRS S:1~Y?p:?I."L ?t`,do (SC3M) (not _ilI:Em?t:d.i. slf+"tAiifl' t<?
MSC 2::? .i?' seIL!tlif.'", i~.I3C~ ttili.r~.il~g CC?F"IYiY?I3`;1S.atEC?Fl dowF.i.e5 :Ã01 and a (s%Emmmt' 'i:PPR:^
~=ii :?u-pp?ti Ãt;A>Ã: il2t25Ã:3'a1:e(l) 3`iSi' L.S:tEbl..ShIl"lf? E
ftll~tÃIt>:2: NÃZZ~<a+:E,~ pa+ .kQ'`.E..
sLm ?Ck h..:1 .t.<E work.s t?"F.d QoI?1;.T.YLiI2Y(;'sttiol:e d4.~ iu'=S Ilf3.
SGSN n? a* also t''i4nÃ:a;.i3 ,su 'esc:Ã;:L`. data useful Ãt?S" c zit<:bliSZ31T?g,. Ã33:id hE3fEdfIIeY over ..FlR c(`t?:ill:e-Ãbi;. Il.` f:'dWi2i.' ci?rv .4.;:?.wo.k 202 illii y :sxso d5?l'.ii1dE' a ho21?C. ,'',f'1t%IM.1 f"eg1sÃ:ei (HLR) tf:.>i' I213:.a.wI.i:ti'ilg ;s t;3Li.:;.<m:.nC SE`sbsol7beF diita ii21d a visitor lC)t:F?#i()f3 f'og1Sta3"' (1'VLR) (ia"n(?ri:sg aE.; .f`tGs3''.`~) f<??' "Ã'iY?T`onat..ey lta<3i3'tÃ::iF.FkiY?F', subscriber d2Ã:ct I'C-.`~E?.f3v:`=d fY'i?I?'z the Hz.R and up-to-date #3:iÃ't>.ia.,,i.;i,.i: o,:i? tt3C? 'tli;:aÃ1i?:i? of Ã:l:FtsSi, i~IY?a?1?.iFIF~:F3:S(?F3ti t?<.:.t.k 1i0, FE F ,~ a wf,F'i:=::e;3;a :a3UÃhC?lF< Ia.F addition, fl:1G c .i:lfi3.la2F: c+5Ã{ ;3C'.~V >F'~. 20,.:
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A?.F'Ãi3,~3i$.iC 3.i,.7F3.. Ai3d'if)F.i!<9ÃAfSi'.., :iiid l,Qc:;t)i123EI:3g (AAA) Ã:hFl, peIÃi` fafs the d'o1i o>
authorizing, and i:U`ct_?llilÃ:1n5} for devices 1A0 operable u.` tai'd:".,s_ G`iZ'~
c'>.¾, 2Ã37.. W,7?le the dC ;itariptli?Tl of (ho c<3a'c i'kGfwoI'k 202 f::i de:?s'i:Fb<,d with :-cSptca .. (."JM networks, the core network 202 may lt3t;a1::d''. other ::'flEF1<':.: radio i:' ht3oi+ i .:5 5ili'~F I3;i ~..~V'~~~~~S. CDMA, and others without .~z~~i3:E33~; fi'.)I2;E the si'.Ã?p(% of 1V : a3zo iu;acios;z;'e:
,-'..?.~ t~';.N'v 204 piov:idws a ~.udio :nteilaic; be.bweF:':n irtob;k d..z.<,eh and O.F`:
iSi'Fx:ik.i. ....:.. network 2iJ..~. wh?4i:i I1'1i3.y provide i"Uf`1-E?.F2:Ff% w3?cf%, di?i:i, <i.iad a2:3ltEirta(;iEAa services Q:h., a tEO to taitJbSle dÃ='6'i:;<: : f.i?Y't?LF#.;'l1 a F,?at;:FY?i,.t,la 201S, .Fi :YefiC`:;F;.. ti1e RAN
2:i . t,~3 .a?:F`,.1.F3'i3t'aÃt,s c.i3x ES"eli'F:?t:s v?:3 3adiE3 frequency (RF) In ;F'fFa;#:3( Eizi3.i'. Ã~,a.3t' Rt'3.N, i5 2~i F ..i>i~~:F'f's ~;CÃsi'ie3} iFyr fTAIY?ei#:) ~3i1y'S1.L'i~ based iA?i:~SS'F!`.`=; for iF~:3ii~i,,~:~~4"ifÃ'f 'Ol3oF3g}3 ":,.,. cellular core ;i3ev'4f)i'k 202. IlG IRAti 2{)4 may ?:E?"E;f~C:F"iA,t?f:, for e'S.<3.,z'i3Ãi'>
'tiF'f.c i?f ?.1?e a<3lliiS.'4a3g w,ri::iess I:3'.C"IÃs1C:' ::Ã.21TIdi3pds dF-tFifÃi.: ::!'F:'>ai4i-aFf,s4ioa;. Advanced ~ ,,;33i Service i:~ )~3. ~I~~Y~ ST3.E3<3iP'~.<~, ~.;C?i~i'. Division Z=~.F.f~Eix?l~: t~is:L:<::s :CD,MA;. ..~in< DiriN?t)Y? ~=1::iltiple Access (TDMA), IS-54 {'I"DNI `a:
Cicner<t. Packet ~ <-..o p~F ii~~ ;~..F;:.:=:. i:~~l'~S); Enhanced D<ZÃ::i Rates for Global Evolution or r3 tp3 #.:.<?;'l' :".:1d3:; 1.F3Ãvi ie3i ~a. Users ill<?.i% ;atibs+:'F'?bC', to ii?e. F,,A.,N' 204, lb:' 3.'.::<;1~.'.pk, I+?
Ã6'`,13hC33if:; Global PC2Si"CFC;'I?:4F1g, System. (CTP:s ) St.'"i ;c; XI'?
radio 3Z'.3~
Ti:.. .\ AN 204 nl%l`y` .i3=isYt6?dC BiFJO Stations (BS) 210 t:C1m,.t;l,:i~d E,:: Base Sii?FIoE2 25 Ct`>i',a:?;iS`., (BS3 i y11 ~--4S 2 10 :i'C',f,`Y.IvGS and 'L?ci.F?`7i1?ity iF.fF Ãiiia?aCs w FE?l3.i. a geo:fi<3pÃI;C<
wà it?,d? of RAN 204 (:...," %Tiill>TI?itÃ:eil by a. cÃ;lli.F.laF' device f}.:C} and <,i::F'fiFi'FLFF3i`.ait's m%i.Ã'a?
` core ... . .
,3.= devices i1i) E;.)_i):?('i:Ãf%C~ to Ã1:`~S GSM ~.t. ;?C'ti;%L`E'14. x3 a S, B~::(. 212 i'ti ~. 5'3i~? .;i3t or 3ilC)?L ~t '~f} F133i~ i)I3i? )~4 E~Fi <T5a<<}t.F~i$E~~
~s ? .::~_~~ .-;;3" ..x:3:I?'1~)~.t:.;
B:?C 212 FY?+iy pfovlik AI:i)i'I:icD;ls yÃ:it'~h as l10:ndl)vE.. +.t'.)i t,331~.? 2('sf"s `I<3Fi data, cefF"1mo; of ' ~~, t fY~#' Fa~e.Fd1<3531 {<?L: radio ;',~C soEFf'C'=s: arid + a~ ~`<;sy t>=: ;:iF3.% ~?Ã~i~.: SF:iÃÃ~)~,k: ~li.I?GÃf<31.E5 4, t`i> C ;:3g'naij LS.` and fi(>:ill 21Ã_!. 54.`iC :.F0t` h'cEFli.a'3eS
.iz.,t'..5, Ãt? ~;3C 212 and St:' a?t= \;: :i:4. :=i;:;, l~ISC 206 3atilti' ixe ~:;':1111I t;E'`tl E{i ti:">C
212 dwvEF> .. ':F st<2F3t,:FS'+:1 si3tti ,.,s, ;.,.e A-i;?tt.#fitE>E.. While Lha= elements {;if %,kN 204- are dE:.S:~?'ii?E: 4=>$xa re.ipi.;i i.<?
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G'SM ..e ,;k;?-k~ the RAN 20-4F-3ay, i3cIExde e>tli<:i' celIiFIii tc E4.lz_noto4 icaa as ~ "M'I'S., i DNA:A, .:ilii 'i3, ;3lh:,1'S. Id3 tE;.., +.F3.Si of UNIT''i, tiI'a'= RAN 204 F'Fi}' Fk:clF.F:i:? Ns.idt' B F:t.i3Ea Radio Nc `i;:F_ic ~'z>F3tÃ;flÃc~ (RNC).
;~ ~i:t3FcEL :~.i=:~~ Si3'IctF'l card 214 is a f.Czi:=keI: ai:ff.~=d. E'sFF"d with Gifib.:dE:dE:.d i.Eti .gt:lii;ii > i=::s.:a:.>:i . process 3.-t`ifi.-1"123.<FC3c)n. For example, ti3e smart F;::FtfI 214 3.Fay wri..,`.etislZ%
:'icL, :'i : t:? <F:`FC3? iI3li)il'i;3't:io;1, pF-c?CGSS 1hi.
E11fi(?3'EY?:.FtF;_?I'F e..aF::2g <:#Ikedde.` ;:F;?x'siFt;FFE1(223s :331+.1 l-,vF3'e t SSly .i dl.i3sI3`Fi e: a E'i`:}pt>tSe, The cOTi:<F.CtlC
.+s smart card 214 fI:3.5 w~-.
~~11f1 EF~~3 ~a~Ã.} lFC1Ff;E.:FoFl 'tt d:3Fi.1 T<3e.4:, f?a F#:.3 =.`,:Fli~ .. 'f'dZ'.3's ~~.
I i} y to 848 kb.'i.i S, ThS. , card 214 iI`niy ir`F'l'leSslS' S;t"?dT2"al3:.i...+:icatc: :?.E x:iF"E+FF.t. F"eadGd';i i?i`iwa:L''iz ,fFi;>?'i (_.g., ~,0r11~C 14443) E:t? 50"e23:1 (t c'' ISO 3 s~se3;> ..>Fc c?nF:EL':desA
sFl?>.iF': c~<3:z.e .:.1 4-1 operates l.Fld 3G'..i3deI:Fi of an internal ``3G4V<F SLFF:FEIF~ and captures :di<'. c>.Zt riL?,.,. F'#Fd3C? ii.:qZ.iL i?C\% tx?EU: L)g?at.itiFA 'I.4;.F3iFl5 iE?
pt?wc::" 3li~~ vF'rbeddcd.
,Ax.3...n?cs. Ile smi1;?': i:ud 21.4 flli3.y be a:t 3Y3C.'~mc?ry ca3'ci i)d':F3'FIt'.F`CZp 1'oEC.StoF c>'.EF'd, h;
gi.43e.F3,i., .F>.:,'Flo.FL c;?rdS include i?d_zy iC37.F 'sriSliFbIt:
l.T1C=T21E?:y a:03''Fg4 and I-Fii;y i~ ?I1c.EF<3<: st?n..s. ;ip<,..sR:, ;:Gc1_FW'~ ls1F?It.. Microprocessor cards include tol;;flL: f3;'.aiE3õ`J
and >.F)Fl:i 5s?a:`i ~ i~L?F' C=C3mpo>"v`Ya:s. i11 S<)233c #:F3131lt'.1I3.i:?1.F3't1i`.n:i, d:FS.` Cio-A`F 214 can i33.i;z; s:. .es'i.l:t>i3 < '3? ,3t)7:F7iillw' credit card size (i.,=, ~ ,=
85.60 53.98 x ..'6 i:?3;;^, 5 x 15 x ,76 3,.3:;i; `sF'3 some 12TWl<.3Y3eF1whC?I3s, tfFc s:F31:.EF't Ã?:F'id 214 3Y3FFS' be a R?:? (?': <.-iiw ni'EF:EhY
token. The s?;.3a3? card 214 Ã1'ily include a security >yat=s>f]'F bL+:Etl):
pzo.p.:rfics < . a SWlEY. CY'yj1#i;pt'i)i',r5:3C1t', :54c;Fdre tilt; Sy>Ef :13.F. lw,z3:F,i->C.FEsiE'i?l e i...::sF:?a'<:;?.) '0 tii1Fr.~~:: may be con-F3:;EFred $i? ,?:t?vfdi SeGiF31Fy services (s ti., :.t:n;Fdc'nti<3tti' i i ;stt?'.,tE
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deZ'Fca? . ti:Fst?c?F:Flt.`d w.iti' a ciFTd. 112 that executed a E3'<$F.SaS
:ioaz aI'i3 $.s,Et<s#.FF.Ft ir.aa:sav`,..r. :n.iC33F31F2:At)n lo the 7-33i)i)ilC= host device 110 using 4he ca-11e.i:Fs t~E`;e F3.G=Ewi3F}i ;?{z _ n' .?3.', i: .i",F:M? tho cellular Cf')e'.t.-', network 2:)?, #.h:'.'~
iTistiiiitiCS;1s 106 .?'rfiy ;s'iEnSe'F3?3.
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E~'.Ei'i?igh `:..e cC .f:ili.Y' i'C3T'C' itiri iT?. 2,:2 and i3'i3. II?C3iJUe hti;';iY device 11 A I?3 ;i+_3#3)t; i.ho F:zt?b?.ie A3i?S'y SaS t i:: I l$.'i ?i~Y` f3 3~i'<i'tc. ft s 2i 3llt)t):ils: Point of Sale Z-11~~'si :a f.F?..;;2<..~ C't);i~t<~3-Ft)+? to CC: F#te transactions w7tl1 tt3E', Silart'':i#'d 2.1 4. i'i)'t.?s.ai'RplÃ:, a ;'e.?C1:C#T" ;.i3:i~' bc u3<?:`i o-(,.:, , a tfi)J iirVeY) and 1110,y :i#1f;;Iliile a :i)1C's"b#l+
.'.: host dt`4 cY i i. 0c 1Z%? ftz a ci3S't. . 1.3c. In this C%X:3t1.plv, ti't: t3'<iTiJ#is'ti.?n va:d 112c.
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3.3:ipli.l-i3entF3ili).i?S, thS Eiy3teF?"2 100 may execute ;:.#'E's:? or E):?<?"e of ia?C'.
niotle_ d..,..,s.i+.d w#di XeypeC:t ~ o, FIls~~RE 1. For c;3C:i7.22pl:,, i,IC:
E:tii'F> 112 .`:i:ic3i be iis3I1g, the cellular radio 1<:F:hi3i?Aocsy- of ..bt' i'?obi.3e host t?CL.u, ;.>:=: 'a~se .LSe' i-ieiy .Y<3rlt to de-Ã}cfhF>.',c AIIt tilG
t#e3E;.,?E3cE,t?: card E : ~ to c:cl3.iiif?c ;~i ?i2%c..t{? have i2'Iti'i.t.i'~3:t. host devices, if1C~ ()x i_s~:tit.#"
reasons. I2 . ,;:1#!is ;t:3 tE'.Et:
JCiftw,1.;t? ..>t. .#ti-F .;?i33i1.g0n1t;S3:, the titiE'?' 33'iiy :3`i3.I1si11:i to th(: 1n161Eltio~: M-5 F'a `eqii:.st to =.'L )s.,s. :Yc?t.`.',"e ?:,r.3v t3a31;mGÃ1C).ii card i #t2 Li:3?lg' the C:elILii'si# <)di'ii WzZ.i3c)Iofsi% F2f:?.t::. hC?sE
dt `',':cc 110, :i.=RE 3 illustrates is a blfck diagram #lI'usti:it3i3g ta. b;?<i>npi*.' :i.i?'sÃ?af+;bi:z C':3:t'E3 i12. :f FKA.~RE 1 in, iiC"C:t?i'dii:IFGe whh ;.oi2L(', Ii1:p1I?1c`=:i3ti2la?:"s3?s t>f det' Pi'{:Si:nz 2 ic.i' ti15'.= tii#3:ia:iCtt)I). card 1.1.: :iF?t:ltidf35 personalized .Ei'f;ftE?:dG:i EI3ia!
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O:`? _`..?. cox?:i3t...des:c3 L=}tp:iet 318, antenna control i:?Eiki:ti<`fss 320. c.i1i's.E3i3;:i 32*2.
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F211~S~~#22Ld?:E3~2(~Fi~; .:i security E3'l;fc.il:llE;
f3la.aEia,S,`, etr, ?3i3yiliC`.i1L applications 31.0 and tl1Y; user credentials ^ ,14. fhfi% F.iA73.lEi:ftf{3F:!
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T?>.. 1t ;::zf{?i:.fs layer 3932 includes interfaces it:) both the Em;+ _ {iC.:'k .C'. phYsf+:f?.E
;~ C:4?d13ti C'~?Cti'?; and to à Y::'I:i3l :i'C)dl x o wireless c4tE'S?.f.Li.ICi2'1. i:: Ir:iy>iielli:
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Zi>.;;.., iSC .8092L and/or others. In so;ale AeY3j?.~1_`.,i11+:E2m~lmn;- the Fi`f2'ek.<.S cC?nTicdit??
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physical l.':3i4.'.zftFC:e may ?7.?S,,`..tde :i to c<1:f3L2'.1i; tmtwt,C'i: two dif-Ãi.:i'e11: t?.C?f<3C'i?ls based, ..!'.a5t 20 :#-1 p 3 t, :``.. ix?e ?'F3i?i?ile Cfsf'.Z'3`v4 110. In some :fF1plC'.l:fli'#:lti1E3o`?5, E:ho.a.i<3b..t, di:~t+::' 110 uiay c;~#:1fm3.f#-liC: a,e 1.lsog pF'c?ir3c;<?.ia si:Lh as tJSB. NlMC, :.t'tzo:re Af:-opli.:.t;.iry a,~~:fiaC,a`.
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>"or the transaction C'.i3:f'd 112 m1<3y <E3Foinabc<3ll,,'y` ii'k:it.iti a N-1I4vSi~`i (?C'.`d?<:C'.
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~ i~~ to fF?EL-`,zfioi;.E'. el?e ?'#ESItFle dGA..e 110. 1i, some the fl'iat1SF3:`vdC31? c; id 112 #;:2:iy a:. I:l:i i>,:>
;:a .:fe>?,.(.ii..e;.z. .>::ylv di#Y<:r bwEl as :i.it a Mass NlE%n1C3I4' ~,+i'tIi Radio (M~'v~R,) A5l.. 1:::t this t':'tA?.C;23~it..:i~.t?z3, the :z?fUi~ai.?w Gi3E1 i~:flR ;i Ã%~a:?ii of ~3l-il! Fe'!:~ that ?I?C'.'Y
an 4i.u .f; :a. `:adiif interface. T?:it7 MMR A~ll iT1"sly (:xr..;IFÃL tt :(=
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da:<:k G::,iFktT MM protocol {:~.g.. XD. ;:YSB. F:i~ewFae=); svFaud C.Fk4kya}t4=d ? +;;. t or S:~ww~CE''.iL`C'~
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~~'.~f`L~>,yi'.3I)('=k1~. of Success s 3i; received ;~ti:i~f3s ~b'i: t: 313C3~Fi:'fliI#I~: description (?f LTYCJ# y t13.I 3 radio ?f) l?~\:.; s C:f2(A #:fT~~nE ::FS#F t: : ft34' t.i<FnJ:,cd't,Fa t;iF3','d 112 to turn tiFC 'siF=A('=Ii3'I<3 01'1 W.i$i3 1pvc:3fyi.`eg th~= .i3..c,tew of :3r3<:F'i3.te(?kF
6 rC.Fufi3 r', e?i`t:i'., i3stt',313i?;; #22)(l('.}; transmit d:F#f3 SEEG~.', as send kF2it EaC:iFC?#F .c`.
tr'ifnc>3fi:i : E c: i ia. Ol(< 3iit:1o; lESir::f3 ifJ3' d21a sIA.,h as 5C'.tlf1 #_F1;,~.f t3C:E.Fi?FF t:? te? .isES:`:F3 for dii?.F Suv3A as send instruction to controller .C3 \C ..t"kd jLh`v' data ;:-e<.t,.kv?'=d by the lFs.ei1-f ., > i:EF3C?; c2t3d zs3' E?dtei':i. II? S11I31C`, i#:F2piE'..f1:C.'#1t:itFo FtS, .~~.~~R '>.%c?. .F bc cC?k:F3.i`hF31?E
w3ta. In ;3i'iF?C: Fmple3'AleT:Ft:tfdti<3Ik5. API vF'ki::1psEFlF3.tc(~ ~SO
78I E3 x:o,,'3Lm=.fFfc.is :+":e=fy ;>:: a?foc..;;sec: 3:Dy ~i'Fi; security 3T?C?i2lFzL' in i2dd1tiC3#_i ?:<3 t?ihfi i' ct?m3i3<1TF(.i:a, 3:>. : x?'i~, d1c A131 can C?pE;#wi: in Fl'.wrl..k..iE;c'. '.=!'#ti'F the t4=Z'C?
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:i3(?b:ei? ...C# as Sho sl;3y.. (2) ti'Fc c;3#A IR as ?.'Oc3 i2?i:i8[Ur. ITF the first p#"iycGs4, the ti;f.#:F:54..:kE?F3 card 112 ~,a..,is o:k.. o.r more commands ES<? li3e tPIt?bili:= dL-vIC(; ,`l 10 in 3'E,~~>C2:Fi~< ii~= t:?f' i:,3:.: :? 3;E'`, f.adY3tiilc:.:t,.5fn c<lid 1ir''. FIFL: a slot in the F":1C3bk e di~ia.e I 10, a. $:cFYFJaFct:fi?#:z M41..C'zk i.,.c transaction i:`.i?IA 112 and ihe access pC)i#1t F i4, i3.>d.E's3' o#h..,: : i!C'.F?.tS, hn t3si? =:ii~~'~ l~fil~.i~F i~tt 11i, the tr]fI5i1('{.tl):I? card ' i2(;'c.i7.i F'eqFf:Ci?. ,:he z3'IC3bklv t3evf..L :::?} I0, :.z>..? C?>' f3a=F`i fE#S2l;tft3#1S GE'.~t UBC'.ir f.Flpikt:. CTeE.
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tiY ?~x,.3t >F',....3:t 331ta ::i?C is:$ User I73pLF$ iY3i:fb' p1?;yt?I3t I:.
request i.s3' #:F?.F.ElE3:I?iC` '.Ea.ct #fFpEFiS.
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L:=o:f?itY f#1i #:ii4" Ye.qlicSe: dF:: iF'ki?bFle device 110 to t#'tl;FlsF)nr F><3t:.kE..: Z>wa z1SikF ;.~Sk: own io the L`>xterke .3c ;vC?2~Ei ~ ,. SIAS. C:<:RLEM3", M-F? ),. Tf:FC' Rc'6.:i?;,:'E'. D:ii<F
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r.i?.if,111.<3 t:f:'Yt'frwv:.;.t .t, iE.ii NK inlay via :1 -,t)zh,i"i3#'+' 4w3tCh sfll:h as ;iTi 'N.-AND (l.iEC`
t:'t5td3ea Cd.`.:iatt',?'i i` iillt?SC%
..;:3T:i3- the CPU 408 lt? #Ekl':1 thc, iti'iE:t'.11#"Ff} 4E+2 t`.:E3 and oi:e, in ;?s3?me MC< diSk 400 Fili3y 33( hl''i.' <s#? NWC LEEiaZ (`?;?F BhFJ2i'<3tCE:) :?:f)i i:.ir.. :?C' :i ;;15 a?:?skc ?i'q ivi"# L'Fli 3:~)i`=E? of _~ ~'i short i'fi 3k~ wireless ~'F'i~Z33t? <3gZ' F,>i'>IR'iTY~ ~:?<i#'t3:f)`f d1fi i'e<P a:.~r tc-?;?z3sil in c3T't:.eI :3;i tIi3F3`#?11t data back Ei?' a using an QFC . hipJ`:> il: power ils;tl:='C= i'eEdeF' .31C3E.;! and s('lf ..=if1n Ed?<_)ilt'. E1 :J'?5. , dtk 4...? A3'mb' h?t"ylÃIdL .i.#i extc.anfli Y3Z'.f:lill. pX?:I}zt 2"C.S4i (not illustrated) that ;3'iY_'1"EIpE,~ tYi1i`
~
~..Yi: L o': 8 to i~ft).'3>t`r31<3.t fC' ~:}1E. #.i3s:4"#C ? y or st..C.EEIs'= 's. GiilE',ili.
ab.. { :'U 408 may tv:i?]:ilTl?E Etlt`= 'tiW~clal.i3` ct3Fi3.iI?ifi'd in it?
<..., t'.'vOF3;
~f..~F :3.~ :~ :^ki' tjtFa 5~:, .ii3 3p?t.=~F;liZ L>~ i~ Il":':~ ci-t%~zt?2i, Li1iE~,`t3F i3~.~~iTS, Z:`h;,F? switcht3di>n, ft~ S<:i.-El:f ;333p and 44?.i3.3;zEi.deS:; Gl.iTpSeE 406 :;? connected Ii`, Eh!.; antenna 402 ;:i;.id v>lt or ,.`r?oP'%' of the RA&w]33rt',. l.f`i'.i3:1iC ;sf .f.F%dS f(?:' :viroj: s4 . =r:õ
r~ t~(s= one x .~ ctJ~ and i:(f ~~ ~t;a..,:~. 'vs.l~l i,ii i11".iFf C)~'As 3i3ii L~E~ E'~~'?t F'f3CHE:'+'f~ ~i b;: o'-: :5 <AF~~ Ci:f=7~'~.3E
iF<3ins.Y33`,it... ;3";i'.s'+,f.Ã.", user credentials locally sffF'i d in thC; iTF~,FIFL?#"~? 410;
': .i3iy ~:iF: L <hsv:~. The til's::fF".<_?F'v 410 ,?]E~~~ include a secure .fYF~~, e2:`,F3 .;G:F::?'f:de fi<'..if.;.n. In .;3i5 .i3:tlplei3:FL',F~;.ftFtFL1l:F, t}1k, SGc':F:'e i3'Sc;.71t:31y 410 I3itfZ' ,.tL?de one :;::" .E3: fef, e3sL`A
;i ::fvf;:waFi`s:3 s that are not le,=oe;353blG by [35:t:. LFse3'. In addition, dFc FFwf:zf:ir~ . 10 F-eiy ti~(3i'L:
(?efliF`>c Wt`b .?iF s'`;+, i;:)pl,{G:F.tP(?fi`.'r, transaction hF":Ft<3f/'', and/or other e <3;t . I. some >::ap:<:3Y3G>:tc.t:.(?Yi\, i.F3t'. Fn(3:Y?t?3'rti' 41f: may FliCiil(kv.
ViiiSl3 i1'keinFt_3F'?i fir(?nn, 64 ~~IB il? ?:`.Z.J-i>
hl Fa:i>_i?i3+`F'3, ~h+. ndCY3ioi j- 4:0 322:<Fy be *33a3^-.itFoPF<'.d into ;,+sf''.L z3"Ff't'(1.Y#Ny <ia:.sF d<:`v']l:i:
%a5~.`3a..~FtFi:>., a'?t'.T.F3(?i'y. IFie chFp=`,iLt 406 i::3F3y include a s..ct:F'Fty E3:F:3d,,.?:. ::3.FE. :>;. fE?z:
`0 i:',Sc.nv:(? Vi::i3 :F3twoi'AMcisteF'CLfJ.'d C:L.YlFficd fo:' St(STSF2g, E7za:}.F34f:3l `ei.3e<'.lo i?aI'i <3:E3t;!i;>3' 9.3 g?i?b`r. standards. In addition to a i.[SeF'':4 fimaF3c,.iZl vt:,?.,;tõl:<, ,i3e 'SLeEiY'e :F f .?L....;,:.. .4'1th OiL=:f3?Ã'ni 3 iy mÃ>xt (lt:vicC'S iFFxd/(?f' <a:3Ec::3Ea`s:
yf:FlFi h3.Ipla:S1'it:,?31itfii'FiS, the CIz U 408 122z1y swF;6,b tx..
F323^.S.`F1F3>, 4,02 E3f,EweG:i3 <i! + df`>:ia,tSvii:t:.' S:FIodf bt3Ss~C~1, at :FSt ?(i p2fFt:. on a y3t3.E3:FInC'f3:' d+..õaF3?:`Ll by 1"V3" "?S'ÃF7I3pie. a 1:#;i%E', d1SFiributC?x Zc..g., 3`T:i3,iFFf.:kc:l .3.3;aÃ.Ã3:ifi<FTõ~ titf'v3t~L:
p:ic`v`.,f`:`: .'.3.EV;3#' (?teF;,. FL1;- Ã'.;YaIIFpli', 1i"ic. ('.f't' s#-i'S
nfy ::a4,ft1<.:+:: 1.4e ;it:F#<`Ii1F%E 4F3~::.j wAlLa, d:tl<~.'fl1?L`:i?t C:<3;id 40:1 is p135'y1f;,FBN' ci?f3tlectf:(a to a host :<.b tC.a: ;,F3L% wl1t;.'~F: a hi.t1dsI: \L: "'F.ih ffit% host c"3<:v.Z3 3---, SEFS.Gt'.:iSWV' L=,cmiiCf;d.
In some I1kEo;`fnUT3,ctAfF"ES, t.E... CTL) ;O's ini33~ c13.:toIT.i3tfi:i:~ly dCiiFCt .vi:};:C:~ the c`3.#3lC'.FTFIiI 402 ZileFI le F:eCOh.:,\FAt L<tkt3 20 :;,?M iy rt..mrt.`d hC?I31 the host dE','4?3i:=C`.. In some 1.F~:1~T~L:idra>tcE1. i Ff~Y e::to cic;t~'.F3?a? 402 [5 always :c>..ie such d3;t t}1C . F 1tF:`lfihL:aAt card 400 lY3cFy bf`, lJtit.(3 as a tiE<iF>l =A:3(?z`>(. c:FcE:t:'.:+:i dL,i ic,.` ?.t .. . d:;vF.L::<' on a \(."'f(:h:iTi3). In regards to the :?<3i.(:s1F;'4k-Fn.f; a3a :3c..tih, .IFt:: f:`PE:
~irl i3.F:'ty 4~mG:L'L34w= t:3F"1't; or t3':l3Ae authentication processes prior to .FL:f,?SawF~,g thL'..
%;3teA5?".`i,s . '!.?'f~a Ã~~~? and/or :3fF~tfifls9 402 as illustrated 3:1 FI~~; ~iRE . . ~'.?. ~.:S.i3x3.F~3Si~. Ei?~:'~
~, 25 CPU 408 n>c3:y F'= .Lt.3:ti.<' a physical authentication, a device c,uti3(,nt3C.at'.iESn; i3t3C f s?' i:F FF:i?c.t,' ii.tF: .,e;id:....`,.ioa'.',. fo.i' cXiFl37pl4, t3f: i..`K; 4N F3.iaty flti:=i3 v<FEsr the antenna 402 to at le<3sc. (.e. wo37 s z3 C;;L)i3:i31'.ak?zb. #:LF tlle. phti;ilC=(Ftk Nf,kr.W
24It-Ai tl3....= fiC3s~ t.E::vi::L. S 2 ic"><. L' <F3r~E ;:lli.<,vtiB~~L:l .F11;~L'<3l~:F3EIC?.i3 of ~:', device L~3'fZe.f :+iF mass 1:F3(`I:I3:f`FL' <3t:~G=:d',i ~
<i('.vi(:i% CHtt.'t") i?n the ;i()sE E$CY.Ã;(.'. IYi some bI:F3~?~L:F'A3E,'~.$.'ttiFvIFS~ L.OtiFv<'.
:>;i <lili3~zC:3.iw FL?a? ?zi:iy #i3(;hidc ph1SiCai FI.t.tT( .=?';i$if:<3.E'lE>:3 in d3C$c32~F(?F:F :ir .., yFgF';23^.i3<=
L;(~?3tA 3;:>(>:: L?, a ~1v+'1`vi 51+..T.:11<3slti'f` ti3.oii<',=il .s.?'..
3:I)('T-Flok'y (E.' c;, ;=<:i'LFhtY di<)l iv<;s L:$ee?it.Li. : F.F.#:ti: :1>.:ti7sc (provisioning) to a _ti?:0'-E1.I31L' SFg3:FiFt(&J'E' O<.lL'F.FlcFteL?" Fis"ng: 3`L`r L',:kt3i3F?3k`, a F:4z3.Fqt34 pt31"ilm('ii:.y Jf the IFi'tyi dC .'vI(:e, t13 the <,oii: no h.,. i t`ovAi:c' .F.ga3<Ftk:ti'o . 2S.
?i 1:13i ai:.aF.ii?"S', tl'C'.. CPU 408 ÃTlfEy bfÃ7E:i with El3e fià i.
.;t?t)pcE3i`la d.. :'IA:E'. 1h+:`
disk ..: ?~: 3i) ,t:.i'ivd 3:i3it3, A t;s."iFnp_atible host de.S,ii';e inay is4 a tl:.'6i:<' Eh<i.E t;afT
;)Lcti3YlplINi: Pil sscc`3.l ii,t't3i'32t.iC;c?E3<?.i3 wF.EccE.,....faBy. ik a htD}: E:EeC'it;`e S;,ff AiF."... is :?"v..ena in the 1iI01:i"i?i'G', the (TU '1:18 compares tiie stored siw;#'F;i.F.a`.'+:' whj:
2> the ~1gÃ1i3t?.=Ã":: of tilf:' current h1;it device. If the 5g3.:FE?::i'L`S FF2.a'tE,,,r,, the CPÃii 4+.e8 inay p"<?vteai tt? 5:.:`ÃIFpleic fl:ic bootstrap E2pLfGitlt;il". If the signatures do Ã.?:i. .i?"idli?h, hÃ)hi.
<?ieLk: is mE:,d, bt?<)o:i:E3p is fFbi1nA:d and the disk 400 is ."~tEeETIed ;i3 the z3':FoE.:t. it was ~3C {L? t 3.i :. inserted aF.iio the S:~i:~vdti:C,.
User 23.id+.'.ntYE:.>:itÃt?n Ii:FiF3% FIO=llitf3 ;%E,'difTi'at:o`.`'.i t?fÃYh:tsFci:El :,G?I?E'.MFit?:3 wt._ ia ZPSC'%Ã"
'fL 3:E: . lA; + '_`N :':iiie~.:.d by the i3se1, ki :Y.>09 ITt4 4edÃTcF9Ã,~
that 5 F.iF11:jtFC% to tA3t' F.E;?ei= :EF"d ~':::oAii; on. ..3:e ht`:.t device, <3?iC''./t)i= C34ht'.`~r pi"i>cC.oseS.
D4V3cs. .:i?.tt. ;.s,.=F
VQQ a ?hy;<ti.i? E):i~i3c s~t?FI i'J.i~~x L~E;L'ICs lbrf?vlg}1 tt1Tnpe3.rsE3n of a dC:vIca~I~ri3<3~lEi"E: :e.`.d user PIN t`,E' In ht;s;~,3t' <?:i:?:>ai3t i:<.E~ ii3 .i p~3i'(?E}~ ~i -~'(%iizEri_'.ii~3~)Fl of Ehi, IFSt.'~1' can 5t'.lE.'~C:t a PUN C3T ;:.(,'7ii1i"ciite at p"C}Y3:it>:3iS g ti.?"Eo. Ii Ihf'3 dit` (T.; 408 ti:ii.y Ã.315ti?Iltiitt<', a software pha<4r-EIl i'...F3th.:
h5`m dfi.,v'bcE:> ..'<':'s> C.Y.i:t;t3':FpJi;=:
a E s~`. ~Z c::~ plii f Fx3 inay request th's:. user lt?f" his ?IJN in ?'Lal :ÃZle, E`,"ad c F`:?ei' ce:.1 a FS:%<3"'.e i.il;ia .<3Het: on the d..vxt;<'. \C'.5., :Y.>E)P, and/or C)dlt;TS. 'Tl2e E?pt$"aÃ.eE:F" C;faF_o st?fi.kc?Ã:+` plug-in 'i.i?':i;4' bt <ii~~icF.a'iC?i by the pI'l)L:iLiL,. Regardless, the :'ati>'Ã'.G:ts :.E;itSi' data F":F.)' i?C'.
E;w3ip.lrt't. ?:iSi=?.F' dctaE SWiets Ãn th<". memory. In "mse of<
s.,ut,<:e.;i:il iE)cÃE;<h' Eh4.
!m i3M'x:;l:i3ii 402 .37<ly be :F,,1:W<3t 4:. In Ce`1;+tr of an EF:istiv<:os4$il? nFitd:-h <3.E e`A certificate, ffie.F
disk 4:.O .... .>L..<Ec:vFFltts, In v;'A;+e of FFtItiF..`ci'.i'`wti,Ã.3.;3 PIN 1'F)Fitfwh., the user i"F`cE`J :Z<: k.vqi.Ei"si:t:t:1 to 'xi=`;iC:c?i .i':N i?Lt.F?lp~~ md! a sEFmLmfhul T2]i3.[ch. or thf.' :IuE):beE= of E3:i.'mpiS E?:Cce.`ed;i <3 thiZ.J3.o,ai'.., ThC >Ãszo provider inay Ciitito3I3I1 the ilil:TF1pt ffiw;i '.FoCi>.
?: regards to .1101LS'oT1i i3:13l?e"wilIC:2tfCiÃ.1, the .'i?l?st C'f: Z ice may be a s..t.l.A?;.?tTiFC% `"'LE:'.h 2J 3:iF<Et Me .atk 400 a..i:E's% request network :Fi:ÃdC37:ÃiCi3dE)i2 prhr to GE E3vM?.t?F?.. For 6 xai"<3s?lt', the disk 3~ .. ixiay be dIE'tvE13:Wtia. by i3 Wireless Netw63wk Operator (iVtqo ) that reE.'~sE3E.'C;?
ii i3 lSi_A <1:3i~7Ui1~G~?1:_s3i, I;. tt5 fi`.Y'iT:i2plf ., it flclg in iTl~',Ã'I1t)tZ Ã:FaiiZ rsa: sv, IX? ON
J:F2di .iti.i3 aaF4tt .tit?l; ik Fii3~~1iI-~i;:F~.{;33 1: 1'~%t~i1:iT"N`i3.
If ti4 ~?ofi`,." is . ,.: i,t 'cz ?~F2EZ~lFS;~
idei?i..Y,' ;ab..'s3;.: tl3i. allowed ne?w{wi"li is locally >wI'S;d #:F11~3 <F
Mt?:?$li 'F<:i.i3'?F'l+:.
Code 5 .. : ~F'~'. ~7:~.} for . t1<'~t` e .fi ._~,.7 - v iZ?: t. ~5:1~5. F...~,.~,lt~.4, :i i., <V ~'~lÃ:3.~e t2 ,r~l~%< 2.k._V, a `.T., ~23 t:E: i t..> . aff~i?:2~F~: .>t .\vi.,: fS;i, \.
::ndt, idtix...NS,:.i:c. If this liiFl; is ON; t~?e f:,`IPt? 408 in "t':oz3t `F'SG Eo at least FFAsf..:E'tl"`,i?. ??.<3y i;e..j3Ãt:.s: a iy?e":.i<3.i .E>ftiL<i't: p1>:tg'=.i:F OD be downloaded to the host t.E:a:t..{.c and :I2sE4EÃ ;#e3.i<'.tY...
"Ii>Fs 4.,:awe?>., ;?lt?g-ii ilz`;3' qld<:n' the host dev3t~~Q lo f'C'ipond wF.t? iS..I<iflw. In 29 ..
F<i~t#, t3s~.s ii~,.i: i"I:?t% t?i`iinit~:%v network ii.~`,',Ilt:ii~~' t`33:}~S~.f7`'C:e~ and f.~'F~'. :i'}r t~FC.3s, o f3f= FsiS~i .
>ei?.>t .,..' host device i3_i71Z' be S'ilI'F}ble. and i1tUpi:;3deSlt s,3Y!
::ti< network g:#? :id<a' and iap<>}3d .t, of :hc hosx F:c.viI:,, If OaFr locally-stored ID nialc,hca tlit_ rc;;ÃI.., ~ ID, :i:}c, CR.' 408.3vi.i`':0zvd the .3t1I:~::1,=sc? 402 ef3 [;:I3c}ble t}(:.`:;<'.:i5 f?I' id)A:pi':se s.`n, lces ::Ã;~. denied.
`.: 5 ;.3llisLT<1te:> ii:iF I;:?.i}F'.3pl<`. 1F"i3:lt4c3L$il3F:; ~cli:I:E31 5tit; RiF' -,4=#Iei}>s.dy transaction :I3Ifi'>3E-?ati,`.13:F IIS?T?:; }?Il of a plurality of iFFiefii:ct=s. FC3;' the ;i ,.ieYi'a 500 ]'m;y iX`:ic.i ftY,-".i~ the tI'::}}i5i1ct1L>f3 c<'i:I'r:'3 112 :3`.IFr: a Ei e: UCl or w#IvA:J.: .;3.ei'f.;ic.;. hF regards ti`, wired FIFteifc}cE.'~:5_ the .j..it,.i: ti k?i ..ni;:lE?C?C:;e ;i.IF :1d8pes'f}-504 _:F.a}i a mtzii.. 506. `i'liL= <,I.Iap:t?r 504 >:m3 iswhF:1e any st:¾i:w,irs.:, hardware, andAr f.`F3F:}-', }?t`d to t3.}ns:f3.tf .d between a fC)rFTiFit compatible E.?if ..... and a fi:'?In<..i: L:t i3?i3ti.`:ble w3fln FL3L cEieIat 1134C;. For Z':S:F3Ia.37le, tha. .3Ce:}p$o.. 504 fn<.5. Ei21fi4`ii}t0=
i:st.,ti'e..a? ..3}c?'i?:>D p}'i?k.3+:'i?l i3,i)d. a L;`,y'B protocol.
~~"hE',. F'v<?fif'. .`fZ6 can ::: }.l&~ <iFit:
, 3}F3.}'d3Z%iF"q <3nd/i3e` HnI3v4il.Y: t=f3#}ffL.LIfed to, dIs.LCl4' 3A3''.cf'1'sis::, ;vti'l3 ffi':: card W,:ie I 12t3: For ..;ca?Y3pl+::, le n'<3.dG3" 506 IF3:iy be a T.F3ICFY?SD ri'%EdL`F' st34h, ifhca, i:tlf. ,.;F..#'it i:t4+:
:5 interfaces ;i;a:,, the i%EtI'd 112h tijil3g a F2:it;:I'C)SD protocol. In regards a:o wt'Cil(';:s interfaces, L:?e sy`tfi~.: RK) I3I<'Sy include a cellular interface 302 6223d a Aoi?.:ei:'i424.',('.~
CK'ii.3d.S: ..i.4~n.f<3f.C% :508. In T'e: <i3'~~s to ti}<: cellular interface 502 :>1C3 13.:tztF:#it;.flF2.ti 306 ,.3:F4 L:: >a s:>,.j' o:i3132)}3.I3.ii;FFEG :4'1tl:i the transaction CEfF'd lll~ usilaf; :.tlc radio tci hT}ti3i`.,~ i f.?ic 3I"Ai?i?Flc device I I iie. For e:S.:Implt~.; a.t3i' ...'illiltir ik3ef i' .a4e 502 fF'ka3;' be .., i:4 ~~~~1v3..^. 4F#.i:.$f.}L'i; a ~..3S2~^. i3.1l's:dIili.'t'=, a S.?M'I S
ii1tG#'fc'iC<:, .3I3f,.>.:"s. o..:cz C:i?l?:eli1l' regards $o the short-range wF.F'eku iTF'#oRwe 50% Ie3<= k.ESf?Fl_FF.f?ns 10:2 i,;;}; L ?Fili3"iT.,.iL it :=L':it~3 ii2L transaction :~~}3'6.i 1wf~ EE4}~#i i:;f- ~:l.t}Yi3A?~C~; W3Fi z' .I Sh:23"t ~-F<}.Ilf k: ~t`lIf lvti~ Il~t4FJ<3l': 5~~'~1 221<~- be ~.i.,;
S~).;.: I F1~L2>:.$C~., a ..av:ifi3fi%e' <l:I)dr'i}p ,)ffif;I' wi3'f,ie5j 1.FIwF'o:Ct;;. .EfF t.it>=s:
;:`% ;J;e..} F3:i>:};% 3.i3:'.l?'tdi:. a lisi3'.isCe.}-Y't:r used (t3"' wE1'+,`.Ff..os 3".t,^3 the $:} <i 7ni:.. : 3 ;? ?'F cW 11 27.
FIGURE C? is i3 ;>ch(:i31i3te dii?V"t1FYF (f()l} of peFSC?I...e.},.<.i.7o..3 of`tE .me:32go}fi C:i2;-d ii.'. 3i` ....,3::5eis.aif."sn card 112, the seF'vle card 2 101 h3 p.z.1%F2Ii:F4 Me amOU;;. 1Ã. card n3my b.'. ; e i?F'.i3:i1Led lti'3t?I' to b:33?l; issued to a user, i.E'. p EL-Fs: Ei se?o<'., o':' after h:`. .FIFMr ;3+, :;i1F3t.,.ti ... . .>wt'A", t c'., :?osi T:;s(}i.i}7ee, IF] regards to pi'f'.-I:islaF1F3['4, tnfellFc;vF'I,i: s.:-.}i't; s IF}iiy. be i>eF:o,:fe3ta,.ed in ''3;:is5 batches Ii. .JT eYiif11plu, i3. i}cEl)'.:Y.
>ik i.:3:s e,`<.EF3:?pAI:,. C`:}cfE
vstr("A J31`.'y ;?e loaded :=~'1tii user <;F'C`d( .F'kfii:tlS, >[C i.+3:y' ft<3mwLa:~:t.i:. <)pi?lSt:ae:It31"ss.
S."sdEt.ie Yi ?p<it,.'.vs s.:ili.TtiC3r i>i.}x::i' <hivc, II3. 5o:i31t.;
IF;;pie2):Fe:I3ad<3>":is a }a?:0Wgu3'e oi3'd I3m3%
b'L' i#~i)?..c,_t..L=i~.:13.iA?v1dii.ally i)e., fbr i'.S.i1n}ipli'., a i?:.141k branch. In fl?iS `ct:.c'.=,; a 3?:<,1l?`goa:F
i:<3id ?:?czv be .i?'#d.vxd%t.?.ilL' li3Etded. w3ilT di?.icl associated \=ti'i?".h a EISt'4' after, fi?F.' ~x<3P.?zT3ii', .i?<: di5k. A:? zE3I' post #1SE.ict:ai:~e, O?E? #F},ti;lllfi.`ir:#?E C:i3#`d ?,.e i bf r'i>. C:x<33?Ipl. 1hf` f.i'tfY?saci;f,iiA C<ii`ir 112 Ii,i:Ea be pQ:`stSti7dil;:'s_i through a eidill>c3a f:o0#?i .i #oi'# G5ti3.bl'a;ht:=d using EE1G ?7?i?fl4'. device ,;:F). in sE'Ji'nv iF=. ~' ~?C: '~)C 1 ~t_ 11^~kr :~ "st% titii?C:~'i1 iia?~It3 Sa'.i a dl:i3 intelligent t:~tl' ~t #l1iaS' =Gi c.
::oi.?paa.i;..= ~;?\:h as \,liÃ>nt. 111 04.
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wi.: ;)3'e::`:>::e l?i the ~I z?I.acEE=Eli?::? C;:<i:!'d 112 and prompt the user Ec1 i? #.i:Flm.FC:Ia'")n sw.. .Ã ;'SZ L#iCt'`=ii3i4F. a PTN, S:Ft z3d3g on a tST?"I12.i.3o1l 1F"ltfi%'siave, c()ief#rÃ"ili:i3; the 3:idT3E?iF#:?E of i.h: tiii.E,'=L)S" other iii::l:oi3. In tlt:E:o Ãn()il'.., hLFC;h.
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~i~.CE 112 lm.i13"#I3,"-1fii.?1 1~'i=e;?I31 another vc1t1.5i3otiC31 card. Si$3i'.e iLv'E'> :#<3A.`.Ev 1i3~} cards ~)C#aC1*i t~E..<.,3<3:;? tit:fiEl.ifi 112 o:t;i. :.s..,.? in this t]iCdC, i}Iis I3"IiZde is not a server 4o client ;t~ `; #} : ~ ;i>: j ~Ã; #cõ .}tt;:i ~<='~ ~:3cz-5i~txE}.li'c,G:t:c;#~E.
lt: rrg3i0s to the k:fDed 3T#i?i3E?, the tM'ÃiT.}szedtii:>3i card 112 may ,3i`ri31<`:kEltWl5:
dC:.3ci.4=i4?:v the i.:3:i?ia;:t,i.JS .3'.itLrfi:tt:,v, t}"I some #2?'}pl^:;#1IL.:?Ei2di';E3.;+, the }il.cd 41E dE: is i.:`E#tst>~.`~ii .ai3#.3g31 tht pbysEi'.i)l :3?tL~rfa}cG w#.th the AT:}C3b3fv d. :#.o4 A 2=) ;'itlt.h. as :i nn:ti:roS~.:`~
itte:fa+::?, ?1} i;`spC?A3Si' f;? E1f' li:itA itht a10fi:i}E1(?t3 of fi1f .
killed 1'i::CfE:, tw Eraf""'F#ct.t #"E .:ai3'fa a12 Ae:..3?' b.:ht.vLS as a #'tli}ss e"i1G.Y.?1i?iy sEli:k. In d26; 4-`;t`E'Tn that tlli. Iv7(it .E3e+,& p:3 ,: 1Ci pie?std.; the lc`st3sc3i'.tiD#1 card 112 IiitEd', in SEt313C" iF}.i~3.c=#?1...F}#:?.1:?I3;?. Iio4 15's:.
#?1'a v::C` other I31i;!dL=ti. I23 F)ddItEi)FEn lhL`, I}'anZc}C,tiot't card 112. E3} sy di'6ULL::
ai,}a}caa; oa ,'A.:irt tli :}31+a`=}l1i+l"y iF3 }'t~spi?5.1:1e to ai. least this mode E3o T:rf :}1:f., ;,.,;Lc3. IE; :>; F#'E1i.`
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S`v'i#'i3EL=:?S :;p5',ri-ff5i'u 3?'.IidV use this %32oi>:= to del:, +=c3.tii ?E'om ::<3:i'+:i 112 A?.lIyJ?i'.$.lAj% lt: #t..
:I; ii;'dy .1õ3 ._ic al?w'?1'loi'y 1'0.,S t:!lt; tva#:tSZi;:1<?:i) card 1 ?x.' 2nay ;.a,::I:.. as a Fi?.aSti .i>?::3A3Z?;4' Sixi.,i: tii:#cx: E''Fa. 1he 13'1.L'.i)"i;.Jl'l+ is accessible t3I'otlgh conventional ,.1eta.od:i. 13:
_ sm.,ic .:'il'z zm.1o>.?tw#J.i3s. tl?:e ti<i3il.it=`ilt`i;- L't3i'ii 1-12 121r.Fy ;i:itC?I1:FuEti<%.i.flt Ehl2S M<?de po ati.. io at least being #'{.`~fl?l?;'t';d t'A'l?#:tx the b.C)tit de\'iet:`.. 1i3:;L:FõE6..e 1'e'.s.$o a i'i???-=
ie' ?e s, i'.iosi: b;.UviGt:, <3Ytd%d?.i t`:s'vF:t:i. The t:I c;#i iat;tFoE? .;7:i3 t..
112 may bc ;iw.3,dez. ..`. <.ub+:: 33?i>tie ,i.'#"3im the i.?emt?:Y :i:C5t.6e bt'. fbr emai"Flpli', :it'i~er"Eiti?' t.b.e +;?E?:iYt 112 ..s.:? :;;i iiElt..?~IIL'tE tPC.vitii:= of may b:. S '#tEed h'S3#2l this It?.i5dt' .into e3.FE' Relfti'a:n i3;ozi ., to `. n. a`,e#"<ao#..;.hi.`.t tj?e tlvZ iw.i;, for a Xlew i1(?S::
device or a llo',w Ci;ie#' ae ci33.i#ii..
::? .::?pae.1I1e#1t'sit.oilS, tho '.#'ansi;ctEi?]1 card -112 .i2a~: be ri,:..
2;i:'.2si?.ic.li::;eixtipdcl(ed ti?.iivb as using Si?t'twiirt: device :T2ai1ago#ne#.:t :`,inc.:ss and/or a I><?,r.ti==1>?'i:: a'oa'O?:<ii.1A3I<; ti1e llioi'?]?ay w #:l#. Ets :'i:-pt;aS:`.Il:iiF.{:.` E?ic c:i4'l?
112 to change host devices, F'Ia.ti'e T:I2W11A?Z<: host ds,t`1,:Ls; a?3di<)#' od'ii,i' e:.>....<3#?i*, Iti ref,;:.:5 to the ;it:Sftw<?:re doviU'C il?a#IF?4;etll:'#1t., the user Fn<iY`
need ti? cradle O::C: m,\C, host ie2Ca'.: wYith, ti-Ii.'. `i"sli7coi:7ct2t?Fl t:ilSfi. 112 i#1tiE'.t1U'!'f to p<iii'it;h the dt~Vice i.3t?n,,..i>ii:i,.'=i?i application. I.i? ifi"ipst'=mGSiti#.IXC>:tti, flli:
;i)ftw;;F'c i2;#ie c3 vt'F`>C3:ifi s c:351 be i3i"t 0ppl#.O;:ia:ii3#7 directly !i'F.:it.:ilieL? on the (:liA>#.?$
104., 23:: a ,?h { i::? a i?i;i'i?3F1? ;;j='ilch'E1n11:fiÃit#li application :<l.lCb i;S
t3.i:;tlvt SwZ c, .i~.:Ei4itbk% Y3a i?.
: aw.}e7 ; 3i'g't."+3 a"i.ti131i:ilg o. ? 3.h' QiY.0 Ã7?`f}Lid<"i :i website, ;:i1?4Ãroi C`.>lt 2s<1i3;:<e:i; 3\i2e user i3i; i .`.,, 3!?i+`.> ::3~.ic il~?~?l,Cctil3~3 {3ai;:~ .~.11~.`j-iheS:i'. 1dcf1E>iy, <ifiG :, E.:spoiisi'. I:i the application may all<.}mY i:t...C,e::a to Z. devices st t,d<"s:. :,',3 E;?c dC=v#E;E' 3n :i#ti.r?c:#::o, .:'t <3ppiz+'<3ti: ?23. The df;'v i( 1; management ai:fpht:i$#o:? ?a':;zy #'vFd the 1:1'::i.t.>i4.::.on cFl:i'ii .12 and tSo.:#'o d:.ie NIAC cidtv:ihf,4, S:igizi3f'ii'f'.y of ihe d4, ac+.: .: tI?:..t he 2s has F.n;,e"ii.d his YSl1w-.m. to, and/or other device .4.pe<;#.?`..t:
8.Y?R?#'#:i?.tiElC?.i3. 11;,c .ili?i?ib:=
t (a~:&3.~:~' 110 ,' be xI'1ii:~~C<>;:~ as active and the host ~~t.-v'F.Cv ills Y i?E= s:~?~?i~ f) as ;#kF3:IlC?~~:'~:=Ci :#? i?xic?'.'i W app:3L:iIdo3i I.'iil3 i Il.ibl0 the LtiE:3' is3 lFpd<3te dw ni.ilt:^ t,.? ,.~iC' il: 1~ ;]o,"t .A `: efl response to at 3<':dut the SWtiUb:i .:}le device ~.Y3a.za;:;<'.n3:
#.it. <3p.?zlt._Et:imn, ;i't.=.`j' ,;.i4ta;; the ~,#gi?f:it:i?_!'c Ci?'; #;i1Q iiiw hi?yf device a.ild i)if.Ei'k i.4p:a:i:e :E~:: status e3:;<
3~. :?fl.?i?.;b:w ..,, scCtti"e t.S#::i?l,"sl -y of tl?.i:= transaction c.a.rd 111 The ;iw, t?:my b.: <i:?k io aW, ;ipditt:.:?Z Mt:ii4 of be #iwb1lC i;l+:.%14"c 110 EC> t.1:Y.S.l.C)1%1'cd.
OF.ilczwi~Nc, i?f?E : <i<': it.t:, may be .doic and Me tii3Tlss:ii:t:;ltin card 112 .'tT3iiy be switched .?C tFS ~
i.t ii'#.c 1b-vCe, d4! #:.+<.5. 1:i?
;~*>.csc; ~.J i. a:v ?Z~i3~C~ ~'ti#"t~ reset ?..rl?vt:43, the isG i"Ili4' 'LiSi'. ij1+.. :~~5<3t :?C'.~eC~.l~. a?l?iaiS E~E~~;is C?::3 ~ ,t .
~ hy":a:.iFi Ãr:i.i.sa4fet: #.E card 112 Ãl? {FcÃ:ivaÃi'. the tif ef e.2':FF3: 3F3i?iIE:. aFF E..i>;: ;Fc?ff('. $i3e 3`:? .Fx:.:i.3; r::='3Fi3 i3zcly be dekiC;d :{FlCt ii3i3t--e ÃCi b:
relo'siC'.Ee<3`. When. :SzÃ, EeF:;i3s;icFiS3i: 112 i:ser{edz i:i3Ão the new l3l?SÃ dCL'iQt=, the p{.? is,'.xrF"F1g pEf:6i.=E.i:
.T3ci? e`x(:gA : a's diS+:ci:iSt'.f:
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~:Fii3:i3Ã 114 can Ff:t:l11t~C3 :17' ;+f~~.t~'~'i3:'Ã%, ~<,f-t:4.'~?a ~':, i3:II:3,+;tr : firmware Ãhat w'3I%w> k;d. :oCc.iv"~. l3Lt;;i?E7.?.Ã #.#1Ã'<>i'ii2L7tIo37 for ex-.;U{.ÃFil`teF 1. F:i'.i#"iSaL,Ei<?:i3. w1Ãh :`iQ or n):?:L
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~.){.Zli2Ã: 114 3'22:F:S be an C.SE:~:t'`.;fli., cash tF<3 :{:~$FE>F:i E;6:iF'E:e v<3i?ii?d:' ... ;t.n.lQ;a5i`i ÃIiiilSi'i3i1:{i3IiF Ã1'i3:i3GaC:Ã.Fii#:i Ã#1fEJ7tYiiltioFi :4':??il the 3i i :. ... .',3e access ,?l?n.:iÃ. ;. 14 F':i3y irai25F'2i:
.z,:bfiF"fii.ÃSE>L i#3 C;1C: or 3"?le`e.. .i1G. 3`i>,Ad>wS.i3g~
:z ft Fn t; . . .4:4¾3 ':';-p.: A}3, Ff,.tic=a. Miiiw-e. ISO 18092. iSO 15693, 6i#:{:.l c3; ot~A: rx, a E.c I. C?T>i3iFliL)Ei .a?ii1=' #:ilCi{:kdt, vL:#'#fici{E3i?d3 E311C?1e.3agi)i.
L:.>f.,.i4: F#i:e.iibf`.F=' '<?IitFng ... '-'C?i3:iit :IifÃ3:1hc;1', transaction amount, .#II:C:, dF'#v<.F b ;#:'e i3sf< ;'FEF#t3i?eF, ~;:3 F i 3>=i3ii31i i?FFlaF'if:tL'ss. (i<.d3Ã--i'.<3A'd number, #.~ebFÃ-C;:F1"d T.Fe.:F7:?bvr, d`g:E<:>.i sigF"e'ai.'.dt<:
in soF'e s.i3p:C:FFI`v'F.ÃE{ÃIC3ns, the E.:i3d3)..i Ãi{.=?:
#EaÃE33:F3.<3:1f?.i3 may 1.5 be .yi3'i #.MY:iuv'f4:,d implementation, Ã}Fe avi::Q>s point 114 F'ec4.<:i`.'{. ->?ii:iya'9r.ed E3'a.i1SiaLfiC);i3 information fi'<?211 transaction card 112 and ae3:itY il3E; F.FI3`.t)i'm1i:tiii; to one C?' F"13E?r:: of the ii1:2 1 3#' #:ii:. `.zwt>.?.it?{. Fo;. example, the izC;cCv:> pCFTti. 114 may i'i:E>C`1ve iF?z indication t.E3.',it i:i #{?33i?ie.dà >e>is been x.ee<:pÃ:ed or UGclink=i2 for :i:iS> fÃ.,.T?E.fic3d iTt:Coi.t3.Ã: F$Id.oI' '.::: Ei'e transaction C.Ã32"lE 112.
A~:= i34i,'ta 3z? 'this LiisclE?`+lii'L., the l`.hC'=7]: 104 are I3'1tE;`IIi;ti,d W :'.f1ciSIfFpci; s a pC#"SoI :
t%<3n:,a.`Lawi', loE?ch sf;:i~.'f';:i3 'Ã.i:;'#:F3.a?il, workstation, 1<:ÃkvC?f'k cE7?t3pEFEE::. a d. sk:oi3 ;i>E?4k, SL'i"..,.:is ?.?t;3 pt> ..F'33E3I'Ã pho:tE,., PDPi., <32?E'. or 123:f?F'e pI'C?Cs:s':t:?F. w,t?"i2 ES;<:;>e or E32.i)E'.'#' devices, or i3A)y i`,ÃI{et sEii=`.eil?le p3Y?E%e5s1F?g or elCC:tE'i?nzt_=
f~.ifrstf.i` ;:E+F;d $E?.
25 ai3Ã:E>F' ,Zt$ii."t#y i>>oC'3iiEE;d A.~'.iÃ:h the transaction ;~:.+rE.'~~ .
:K. f.3;' õxaFY3p.4;,, i'=hmu 3: r.:iy ,?e3PDA operable to Li'i#'elcfiSly Ct3FFFC`.cE 64'Fth an 4.Lk..:fi:i; or .,m..e.viF#"t;d i? >:F37E.Al3C'.3' {.;:?i:in3pl,.., Ã?ic client 104 :i?-ii3.y i>o#23p2'.ESU a laptop i3@ai rw i,.,de4 an ;ni.?tif ~,E`~>iz: y, touch - 4;:'E.r.i3.F' E1: 'EFSF'=. i?. ?Ãx1~'#' E.
.<>: can ~?. ~i:if%j,r:.
., ;#3iE;~3 as a . keypad, ,.
iTia.3.t.,.i: g.. and an output device Ã:hLie s'..:i?k3S.;qs FFaE#IT23FFÃ3f?f3 Fi:oS 3<'.}<{E,~e Z&J.ÃJ:?
JJ :i:3:3's<.ciii?,y .`=;tivt'=i1tCd w1t>, the fF'1SÃ1Ã3.{ÃiC3S?S 106, z1:iE.;lE{dJ.F':2= digital diiÃci. 'V3t+L`+'<3i i.i3f.`;.;.,..iio.a, i?F.' GUI E11 ?23 .<:s?I3i: YT.tiWemE'nfEIlF(?1~;
lh;:_its:.i1.Ã 1.04b <'.i1i3. ;s.a=if :~Z%
'L'vi?i3.3ii:3.c.?Le s;'}[Ii the .sa'3,'.34;;.4Ã.il3Z.i card 1:2b lFS;33fr, for E:.:tNEF-1pdc, :{? NFi. ;2;+jEE?-~:. , f.ia ~yFC4E~
F'Ei~ fh w ii~i;:F"ià S ,} ~~; includes a o#FF"'t~ 3+.<3i?~'.#:' 1.1t, kic3ti.
i<s a ~3i _[;., iY3:B::: >`: i,'.t.i3iir?EIi<:c`sdn?~ "v"th t:a(% tr'i112Si:1ct?$3 S;:':I"d A12C:. I:i s<?Ti"t 3iT i3:La31.:#~#F31dfi::h>
:he t.;zAi ,,.dt.{e;' 116 331;?:y 2E :C:2st ukd4. an .3i,lsiptt'' 116tb d:i?i i{d1ptS ?:E3ia .42=.f"aGt' s13pp..r<i:.d b4 :Tic GSiGi1. 104 (i f,.. UsiB, Firewire, BlElvti?C?,i, WiFi"
to ri3ia phy:-,#i<3.i by the c:3fd 112 it r.~:, SD,NFQ. I:.) this ciE:^c, the czie,i: 10-la may }'x`t 3.i?v>i3=a:' :i. tE'i!Ãi;ii:+m`:Ls #' ft33' wi3'eEe:=iS
f't?.?'i?'i?i:iilicitiL?1.
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~.i i:H (?1.3~ : 15 a 'fycFc~~;;~li:ila user ?33EF..#~:1C;i: t~cr5L,-;~:'~('.= i~~i :i..z,(>Z'% ix~t~ .ISi'1.' :i<~
t-f1c .A#._#ai 1104 to 3#2i?:'.i'3`#3c+~~`. wAh 'x.=¾ least a portion C)ft,a.it ;aystei?.e 100 fi?' <iT:i! :iÃi.t#3ble pi3"p,3y.'; . Ãc.1 cE:1 v:Gwi11g t#'fla:scdctz43?I ii11`t?i'.i2'icti'?n.
2Scv Tic,'.iilfy, the ('I-T: i.::) i2:'t?vd,.'~1 'iile piitrRW.:.e' .... `i' L:.I3z.3 an ef6t%IeIit i31d lss`v'f" fi'il'.17dlV' p;'t'st',#lts:itloF of data L1y o3:
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i ..-()i3 tt`. ;-Et`..icsiGd ?'.':;i d11I1 the Sy:i[Y.`.:i31 100. The GI.==:t 115 s 3i3y 2?.~i~til'F!lt1=' , S ..c>
c#isio`. 7`.:;:.;.Jl.e ,:i;:41t3.'S or vie)S'S having interactive z#k IE.YS;
pL1l:-.iEt?wn h4tS. b.it`.'.:#2s~
i`p..>o3..v3i >>` d7t: >.ist'.#'. Ti1L'` tUnii h'kEph1CFll l:EsCi' interface #Tl"Z' :?e i3.:a ti F.n d:,: siT g1:El:iP' or i`,? the }`,?fiT'<.l to Cic,ac6'T<: one l?i' I?;.;i'P. graphical lise>
iilk:='lsic:L.s and each o.. t::c dFso3i:?S's of t <i":ipeiQc3I usL:=i 1.i3Ei'.;if#3<;`W'. 'I'li<: GUI 115 can include i#i'y graphical #1:set, iniZ3'f"..Ce, <.+:is,.k? as a c`:'Sl<.1'1t: wt t; b3'3l=sSt'.i or tec?i'sca S...L'Ci3, :hLtt `i;??cf,.C.ti_t`s in 1.
ta?L N i "'?C:~..~ ~ = .~~ ~ and <333ii a :?~t:7Si" Sll1 to t~. 't ~.
EIsI':#'. 'I3t' l~. =~tifi.EtiC.a:2Y's :t; <~'~~2 ::e.i:.i <3t;~:,'`,~:.t 1ir ~~ the 1'C>;il data ~ :r~n>,3~.i. ~. ~ 1#;iTdtt,, <~ f~_ ":f~-\~;. ~' ( . cr~ ~~3~ ~.~:3,~'a IitL::a`~r = .~if; v~lvi.~ 104 .t?i' example, ~}iti web '1~ .~. t.
i:x; ;.t`a::,' J. Mn:?,I.1Ma : iTLf:'?S) and i",-;i:tJ.#'#3. OIC 8pp, ,"i?p'#i.EC .'.=SÃ)o>::svs Ã< 14 . Aff.: or Xid . ro the t`>3'+ wsi`r 1cM:il.g the nr`.m'i?T'k- ; 08. Ifi SC)231c ::3!?iellf'1?.tm1ons. :ait: GUI 111 `
of A:< card 112c may ~?t:~ presented through :l1+. (.. i! i E ~ 5: i?~
f:~~..:!s'=f2E I 1~~=:#.
iii :3i.j? ; atrlviS,etiYi3.tli?ry, 1i1#: GUI 1. 158 #)'fnYS I'ei7L.i`e t~ser <'.?:C;c.elt#.z3,,, ;.:'`m ilw GLId I zlc .i;nti wor?.12.<..u financial foi"221~ P#C;5ta11ted in the GUI ll;3;;;.
FoE' C::t.S#3FpA. flh.' ? .: 53 ?.,Lsot?f a 3`)ii3:i to the user ft?' < .iitor1E1g k.t,d:ii.
t.F3.#'c> i'A`:b..lic.:::<3n .C? q:ai.+:oA3~ase a ,?t3od ifr= ?.illtiii's;:t, and il1c Gc1J 115c may pC3p3CEa"'e3ti~ the fornz ~ ~`=a<r the GL+S
".i~ toi:i: iec2:?t a 3vq tSes t.ft'CYII' the user.
?'i....iii I?nS 3~?ii can 3.IIC;11At: :I~':l} enterprise that may ;i1.if.~.?#~i...t,. ;"'i.Ei~::ii3Li1~Y2~
>5;,...ib~:ii .;rough t.It; nvtwf?r.k 108, For oxI+Y?j?Ie'>, the ?Y3S1::IE~ft:
i? I06a em,4 i's!.' a ;i'trS:lle' 4.t:rd põ'. . i\i:::r Efi<3 ift ~i,E."3iit 4 Svht'#.hG= to c`.ELEtliC3TIzC a tiiI.J li:t,'.3ea ;?a5cf.#, c3; :ci# 'a in p#?X'E:, x='fi `?i ,.2 + i> rtceFvs:d E?:?Y}i:Egki the 2.ts..I:xC?t:~ 106. The fF..ta::iil<322 Fe':? ,?z<3: b,,.,`.t credit on ;)l v:.i?i . ?ti5Z d`:i', a be:Ei3.i; an association (.'-.gy,, VISA), a 1'f,`t{i1l xnt:acha.ii2?: . Target). a, P'vpa:.d. ie +:.:<aii ;3roL'.idl:i', a#7. i11ie1'f.ict bi3I3k. %
i..t?voaainlt'`,ii: nt:fy a cliEis; <i:I2d:'s-fi t?i3 i..ll(:.v,'iTlg:
1s'.:t, ts ?~::i3<.?'<3.l, #.i-t:: institution 106 may execute i:Eia,:~
?i" [Tl.?I."6;: :?1: ÃiF::
r',,.:3. v.` a ;cq:,i;:+t to :ZtFlh?3"?.Le a t'r..TsiEC~tit?i3; id4tltii~,`
<if? F3cci?i.t;3i i'tti:t:3e:' .il:id fl=ihe?'.
{?'.~Ic';., H'`V 3; idt,.i3t7i`y' RiT1Cl;i i3ili'Vf52' <i credit Fi ':3ii cissE?L}.'saEt`=fa w:tii if?w, :t,io: ;.ti.ed <.acoii11I 5.,di'.`~?# fY 7.C:cL:Sti p.FN1W`Yi.s asSi?Z,:izFEeli E?ii'.= user :ti:=:'<?ltl'FE;
õ?;Yk?1L0wf' i;lt: tri}nstf;.=iY'l?i3 :FCqwst exceeds Et1o ALFiIf:. >
i3:i?C.fti>e' G3 ed:E lI;3:Ft ;:f3za==`i?A=
Woi.a..:? 3i3) :.ta.Li' rEflt`s s.i l?t 1:iLC;dLS lth the account; t:"ansFrIF
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trai.:tr.4LF;..>,`., has been ::it:cepkA or dC'.ClF.E1L''d:, and/or other pF't?cf..ss4,'..: . In regards to i?:3ikiF?.:2 =.h<~ IiwiFWtoIf 106 i3 ay ldi''=I=Q an account Ili?Xi]ifi F' (i:.,;;., bank <?.:ct`F?.F).t; d5,`bEf.
c:'.i'd >i1.i7F)i::'3') and associated 4'f`.I'ifid:ifiCl{1 FI2f<3nT1iit1C321 PzN. zip code) and ~~etL.a.2n?~: f`xtzd`s i}v:^t3li3bti: to dIe account bZ?.dt`,3'. Based, ii3 least Iz pi3rf, ?EF the ido3la.ii.'`.= i fu3lds, d:ic fl3"f:it3t-i:FtioIi 106 Y?-3ild either accept or I'4j~xt t1.iS. A'eqLt^'4tE'd 1:3 t'.at.,y.4L.aon.:r teqi3C:iit 3:d.d:Ft?+.?11:3.l FY:~i';.7t'i:3iFfil?IF, As l.(>F' encryption, the 1f?6 :33 S i:ic?; :;?Eimic k-i'y cFiz.;;i?d;.thin ;itc:h as RSA i.iF' l'<'I1pt:c c:3;Ãt t Ls :'.+:adk'i- p>.fb a:L'+:% k+: y is,g<}_i:iffif?. ~,, st.Ff<b r?,, TDES to ~-ncry:?f and ciec~,pi c(<fttF.
Ne.'.?ork 1.08 114::.TlTttites wht kSS or xit%fi"c=d wE1"iTFdFx.E].Fcatf?:F3 b"s:'i4tiee[,. .h<. f...:F?:'.=z<3.Ã
i:i?skF3i.`.d>n.: and any other local t?' ?'ezi;.fStS c:)I~Ã?t:tt<.F', slFc::h as s:.x3Cnt,; 104 <:tiEEa dld. ,..(:C.'=4 ,?oi3ii 114, '=.'c`2,5=E3i'\ 108 o:aii: be 23:H or a portion :2l an F.:
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<:'? 104. w?:l 3e i::i?ts ipTist' $ t3`j. l37 i4t332?u ira131i?FIienYat}.?k7v, i"fi.'Eworn IC~s'" ..;F+:;;FT"Fpa:::>... > any ??:eeYvt?I'k, 'sUYGVoiii:8, yi:lb #)ctwE>ili, or 0:3:I3F~"+li).tEti?,3 Fi...'iAtspi'2Eble ~i3 f.3ci1:ta4,. .,o:'?]?l3i)??;t;at.Fi?I"ES between vilrl<jtis coIx;A?f.tETng i>E?fi'ipE>.7t i?:;i f3: sysIC'.F?F 100.
Ne.sv;F.t Fmay ci?1111i"I:li?.I<...3.IC:, {.)I C,x:li%3plE, Internet PF{?tt?x.. Ã1i?3 }1c#ckets, ?'rii:1"1'c:
IMiFdi< (~~ ~'M) cells, v4sic5., vidÃ'.`, data, ii;d Ud"83r :5 ~3S,i~3 k'. .; t?e'f`f'1'f network <3ddI<;isC .~,. Network 108 f?:Fa3 _>:;i{do f?i3i' or ;~:F~~.Ei:F~:F3 area .i3:13?'s 'c3a?,:`ii I:etwL?I'j~c. (L'SN5), radio rtLcS;;Fv networks ~~\Ar''vs;, 21.FoE
~.-!AN-:i), widS: area nt=i'wol-ks (WANs), i3ll. e3I" a portion of a v' ~,jiSbi3.l Internet, ari~ ,i'~l~ ~trz . c.
~~ ti~i~i.2~~.''- >..t~'i;z>ilk known as \ the i .'~) t c .:.Ã~~..r'a ~.:~ a.~
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i: i?t3l', or 3:i3i?.."e.1(34:;Fit7oIiS.
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For ..;5,F3333pW. :hLv ;ey:;teF: 2f?i? F-a;l;% u`i"cl('.5~ly co.Y3A11tfi.:4<iÃ:e a t:ÃF7iS::cE?i?i3 rc.ccfpt Ã.:? a F:<3i..sw,:z.>?? card 112 using a cFiC?bIle host deti1Gs.' I 10 :l:fld s:f:.llul^.i n.f~..~F.? hn, ~<1i?'i~, ii?'ip 3`>21 I E<?Ãli`i3S, cellular radio If;ohliol(>5;y may include C31+t1:k3I y~.irt). 3.`' MC>bi?c :. _:;Z#313IFi1~ r:i:s31 (GSM3:> Cf?de Division Mu1iip1e Ac es5 #,CDINsA i, : 3,>3.~i: . .:., Z':}T.i).i?i~ili3LcEÃrC3Iis 3b'ti~LI.21 (~.f:~~T'.}, i3i;t?`
i.?a" ~lt1b' ~?:~l(>: ct'.ll li~<:F Ãe,i3Tt :il)g's-.
:te ...i`::..a::i>.i3s 106 3t?ay <3s:>Fg:il or 3-I3Oreilii)bF.lt 't>t'viLc,o a.} Es.i a ti.3ltsc;s_'i..fol'( r, card a:. z? I4:o;3s.,n, :: Et.3 one Ci2" 1I20I'C. (w;alS. SIl soIlle 4:S"i?:fT1pli:S, the IFsi;:' F'i?.F?V FE,h i1:S:`.r :l:t> ;?I>2':' ,?'}stb?le devices 110 with the institution 106 in E:E231I?<::1:;Ii wi:i"i, ff?:i' ~`. c?Tz? `3<:, .ic..pLs.#31 ; :'I'tu #i'aF.'FSa;1'aQ?n card 112. ;?z SUF?I.t` ::.:S,i>,i?2plo5, -1,11E:
.c:.....`:? il3"ii 112 i':i?dy ret,'_,~:.sW,.' Ãi?C: il"E<rbF7C: E?t`f4i df'.v?t'.i:s 110 wiIh di<. FF?S'.F.Ã.EFEii?I: 306 I Y ~: Ite 2 <.;?Ea:eas of ?i?t'.
i: 3 3mpz> `.`,<` to .it l{:5:15i <3.? T.T':asil i:z ~:i'Ãfi.l"I :~ 5 into ~
Ãhe device :.
,ass~ E.. ~,:i'<?t~k.iy the may là t z .,;
t L i.3.t;:` : ~ 5'~at:i;:?=i ~~.{= 3C the cellular 4:1}?33~E[.~.>> $~?.
~"E~.a de2o.,:.: 110 i~.` v`it'a1f..CtI1PCitiL 123f<:)klT?itiCln beÃY4'ek:=IZ. fE., ..~:2 r@i;.d ffif, ri.iel3s..z.:"i>n card 112. In .f..F.t3.g the i:.cRC1lz3I" radio EGchkICF3oe ) of Ei<.c host dv:FL:<. ;~?.0,. O:ic syoÃ,F.z 200 ..F.<`ay c;?1', FFia3.:iz?L'4tw tvldl the Ã:#'1I.5a`,ÃI0i1 C'aE(i 112 when the i<3.i'i> . 112 is z?i`:
p;'.?xi::i?aie.? .cÃ<~ de:c<:c c. such as tl?.e A;:.ic:5s point 114 of 4~IGt;tRE Ã , In 'id?Y'.= 3fl'iI$tlilve%i:l iF?3.piC'i21C'.3Iix1'Ã.1teF:lS the Mli.EE:ti' core .?C Ã14,5:.'st-k 202 ÃZ i?ii:di:~3S' F.e iltAi,s 3:i'i'i31is ;(i'3:Ã.ch]I3 g cl+.i?'If3ifÃ.S, M-iitUUsib=5 i?Iid sLfi:iC=c c,`.}liif':?l Ãi3A:c { ;31:0 :'i2z"
.:C;3iidlc?i G4:.lh-dc13' core network 702 t?fE:cn =5.iot'zdG:: th'4'so tiv.i'> a I:ii13"i?.?Y.I' i!i cv3Wh#' access 41C.1wC)3'z<< (C:..?. ,RANI) ,1F1:z also inFi.' l<31:cti the C:O.iWi;F' syomx?:e M;h i?twi" ci`n.FT.I31E.I2icaÃ]C)AS sS sE<:IT2s SEli:h..t:i the E)C`E2xr';fÃk l:iS", !E} 206, :I? w3tl1 Ãhi cellular :iti3l?de:Et'd:i, Ã:ttf ca:Fi'~:= I"is ÃZL'C?w~i 202 f?i::4>' F.x.;biat? a ue:"aiIÃ .,u`xw}l d (i3I' vf):li sV iti bfi2!?) t3C1atÃC?il for S?i<TC'. s FF1:; voiE ;~'. C:f3.lz:?
pac\i.. \iZ ?.ci,.C-.`~;:i (,jF; 'i.Ãi3Ã:1 swif.chF_ilg) PX?i'Ãit)F. fi3I
supporting diiw "rit"Ei:I?46.s \tFcj, as, f<?F, ex,,aap,.e, . ':'I:zi3l ii:1C>>Scie,[:s al",d i4't'.b b?'C?\xkF1`?,'. The f;il'cilFE SwlEt:b;~l poniC?F ilti:lEIC1e:, MSC 2:6 that ,yS'3-Ãi:Elt?s or ct?r?f.ec:s tc`ac:j>hf?F3e calls bs.t 2=`.`,t'?t nai>#<2 .2..":b;s;> Ea.'Ei4'+1;k <::, (}~ APY`204 and d3e 31(?t.4'o:'k 508~ or another network, bawGa'FI
Q.zÃI:EhaF" core tl;.'t1-~'<.-'tk5 or in i.uZe Ãx:o vmL diL`i-41?i.t'k 202 is a ()SM C;iF'c' network, Er:i` ;o.'e'.
I?~tw=:`,I'l'. .2?.2 <%i3:>
F3;.o.t?xU.:; ;`..2i;.ktt ~.~5'FÃi:hi.,z3 portion, i3lSo lu3Ã?53..:.n as General i},?.vk<'; R.E4:iF`.`, SE'i'Zs4::`
ÃMRSi. including a SelZ%Ea?g GPRS S:1~Y?p:?I."L ?t`,do (SC3M) (not _ilI:Em?t:d.i. slf+"tAiifl' t<?
MSC 2::? .i?' seIL!tlif.'", i~.I3C~ ttili.r~.il~g CC?F"IYiY?I3`;1S.atEC?Fl dowF.i.e5 :Ã01 and a (s%Emmmt' 'i:PPR:^
~=ii :?u-pp?ti Ãt;A>Ã: il2t25Ã:3'a1:e(l) 3`iSi' L.S:tEbl..ShIl"lf? E
ftll~tÃIt>:2: NÃZZ~<a+:E,~ pa+ .kQ'`.E..
sLm ?Ck h..:1 .t.<E work.s t?"F.d QoI?1;.T.YLiI2Y(;'sttiol:e d4.~ iu'=S Ilf3.
SGSN n? a* also t''i4nÃ:a;.i3 ,su 'esc:Ã;:L`. data useful Ãt?S" c zit<:bliSZ31T?g,. Ã33:id hE3fEdfIIeY over ..FlR c(`t?:ill:e-Ãbi;. Il.` f:'dWi2i.' ci?rv .4.;:?.wo.k 202 illii y :sxso d5?l'.ii1dE' a ho21?C. ,'',f'1t%IM.1 f"eg1sÃ:ei (HLR) tf:.>i' I213:.a.wI.i:ti'ilg ;s t;3Li.:;.<m:.nC SE`sbsol7beF diita ii21d a visitor lC)t:F?#i()f3 f'og1Sta3"' (1'VLR) (ia"n(?ri:sg aE.; .f`tGs3''.`~) f<??' "Ã'iY?T`onat..ey lta<3i3'tÃ::iF.FkiY?F', subscriber d2Ã:ct I'C-.`~E?.f3v:`=d fY'i?I?'z the Hz.R and up-to-date #3:iÃ't>.ia.,,i.;i,.i: o,:i? tt3C? 'tli;:aÃ1i?:i? of Ã:l:FtsSi, i~IY?a?1?.iFIF~:F3:S(?F3ti t?<.:.t.k 1i0, FE F ,~ a wf,F'i:=::e;3;a :a3UÃhC?lF< Ia.F addition, fl:1G c .i:lfi3.la2F: c+5Ã{ ;3C'.~V >F'~. 20,.:
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A?.F'Ãi3,~3i$.iC 3.i,.7F3.. Ai3d'if)F.i!<9ÃAfSi'.., :iiid l,Qc:;t)i123EI:3g (AAA) Ã:hFl, peIÃi` fafs the d'o1i o>
authorizing, and i:U`ct_?llilÃ:1n5} for devices 1A0 operable u.` tai'd:".,s_ G`iZ'~
c'>.¾, 2Ã37.. W,7?le the dC ;itariptli?Tl of (ho c<3a'c i'kGfwoI'k 202 f::i de:?s'i:Fb<,d with :-cSptca .. (."JM networks, the core network 202 may lt3t;a1::d''. other ::'flEF1<':.: radio i:' ht3oi+ i .:5 5ili'~F I3;i ~..~V'~~~~~S. CDMA, and others without .~z~~i3:E33~; fi'.)I2;E the si'.Ã?p(% of 1V : a3zo iu;acios;z;'e:
,-'..?.~ t~';.N'v 204 piov:idws a ~.udio :nteilaic; be.bweF:':n irtob;k d..z.<,eh and O.F`:
iSi'Fx:ik.i. ....:.. network 2iJ..~. wh?4i:i I1'1i3.y provide i"Uf`1-E?.F2:Ff% w3?cf%, di?i:i, <i.iad a2:3ltEirta(;iEAa services Q:h., a tEO to taitJbSle dÃ='6'i:;<: : f.i?Y't?LF#.;'l1 a F,?at;:FY?i,.t,la 201S, .Fi :YefiC`:;F;.. ti1e RAN
2:i . t,~3 .a?:F`,.1.F3'i3t'aÃt,s c.i3x ES"eli'F:?t:s v?:3 3adiE3 frequency (RF) In ;F'fFa;#:3( Eizi3.i'. Ã~,a.3t' Rt'3.N, i5 2~i F ..i>i~~:F'f's ~;CÃsi'ie3} iFyr fTAIY?ei#:) ~3i1y'S1.L'i~ based iA?i:~SS'F!`.`=; for iF~:3ii~i,,~:~~4"ifÃ'f 'Ol3oF3g}3 ":,.,. cellular core ;i3ev'4f)i'k 202. IlG IRAti 2{)4 may ?:E?"E;f~C:F"iA,t?f:, for e'S.<3.,z'i3Ãi'>
'tiF'f.c i?f ?.1?e a<3lliiS.'4a3g w,ri::iess I:3'.C"IÃs1C:' ::Ã.21TIdi3pds dF-tFifÃi.: ::!'F:'>ai4i-aFf,s4ioa;. Advanced ~ ,,;33i Service i:~ )~3. ~I~~Y~ ST3.E3<3iP'~.<~, ~.;C?i~i'. Division Z=~.F.f~Eix?l~: t~is:L:<::s :CD,MA;. ..~in< DiriN?t)Y? ~=1::iltiple Access (TDMA), IS-54 {'I"DNI `a:
Cicner<t. Packet ~ <-..o p~F ii~~ ;~..F;:.:=:. i:~~l'~S); Enhanced D<ZÃ::i Rates for Global Evolution or r3 tp3 #.:.<?;'l' :".:1d3:; 1.F3Ãvi ie3i ~a. Users ill<?.i% ;atibs+:'F'?bC', to ii?e. F,,A.,N' 204, lb:' 3.'.::<;1~.'.pk, I+?
Ã6'`,13hC33if:; Global PC2Si"CFC;'I?:4F1g, System. (CTP:s ) St.'"i ;c; XI'?
radio 3Z'.3~
Ti:.. .\ AN 204 nl%l`y` .i3=isYt6?dC BiFJO Stations (BS) 210 t:C1m,.t;l,:i~d E,:: Base Sii?FIoE2 25 Ct`>i',a:?;iS`., (BS3 i y11 ~--4S 2 10 :i'C',f,`Y.IvGS and 'L?ci.F?`7i1?ity iF.fF Ãiiia?aCs w FE?l3.i. a geo:fi<3pÃI;C<
wà it?,d? of RAN 204 (:...," %Tiill>TI?itÃ:eil by a. cÃ;lli.F.laF' device f}.:C} and <,i::F'fiFi'FLFF3i`.ait's m%i.Ã'a?
` core ... . .
,3.= devices i1i) E;.)_i):?('i:Ãf%C~ to Ã1:`~S GSM ~.t. ;?C'ti;%L`E'14. x3 a S, B~::(. 212 i'ti ~. 5'3i~? .;i3t or 3ilC)?L ~t '~f} F133i~ i)I3i? )~4 E~Fi <T5a<<}t.F~i$E~~
~s ? .::~_~~ .-;;3" ..x:3:I?'1~)~.t:.;
B:?C 212 FY?+iy pfovlik AI:i)i'I:icD;ls yÃ:it'~h as l10:ndl)vE.. +.t'.)i t,331~.? 2('sf"s `I<3Fi data, cefF"1mo; of ' ~~, t fY~#' Fa~e.Fd1<3531 {<?L: radio ;',~C soEFf'C'=s: arid + a~ ~`<;sy t>=: ;:iF3.% ~?Ã~i~.: SF:iÃÃ~)~,k: ~li.I?GÃf<31.E5 4, t`i> C ;:3g'naij LS.` and fi(>:ill 21Ã_!. 54.`iC :.F0t` h'cEFli.a'3eS
.iz.,t'..5, Ãt? ~;3C 212 and St:' a?t= \;: :i:4. :=i;:;, l~ISC 206 3atilti' ixe ~:;':1111I t;E'`tl E{i ti:">C
212 dwvEF> .. ':F st<2F3t,:FS'+:1 si3tti ,.,s, ;.,.e A-i;?tt.#fitE>E.. While Lha= elements {;if %,kN 204- are dE:.S:~?'ii?E: 4=>$xa re.ipi.;i i.<?
.. f9,.
G'SM ..e ,;k;?-k~ the RAN 20-4F-3ay, i3cIExde e>tli<:i' celIiFIii tc E4.lz_noto4 icaa as ~ "M'I'S., i DNA:A, .:ilii 'i3, ;3lh:,1'S. Id3 tE;.., +.F3.Si of UNIT''i, tiI'a'= RAN 204 F'Fi}' Fk:clF.F:i:? Ns.idt' B F:t.i3Ea Radio Nc `i;:F_ic ~'z>F3tÃ;flÃc~ (RNC).
;~ ~i:t3FcEL :~.i=:~~ Si3'IctF'l card 214 is a f.Czi:=keI: ai:ff.~=d. E'sFF"d with Gifib.:dE:dE:.d i.Eti .gt:lii;ii > i=::s.:a:.>:i . process 3.-t`ifi.-1"123.<FC3c)n. For example, ti3e smart F;::FtfI 214 3.Fay wri..,`.etislZ%
:'icL, :'i : t:? <F:`FC3? iI3li)il'i;3't:io;1, pF-c?CGSS 1hi.
E11fi(?3'EY?:.FtF;_?I'F e..aF::2g <:#Ikedde.` ;:F;?x'siFt;FFE1(223s :331+.1 l-,vF3'e t SSly .i dl.i3sI3`Fi e: a E'i`:}pt>tSe, The cOTi:<F.CtlC
.+s smart card 214 fI:3.5 w~-.
~~11f1 EF~~3 ~a~Ã.} lFC1Ff;E.:FoFl 'tt d:3Fi.1 T<3e.4:, f?a F#:.3 =.`,:Fli~ .. 'f'dZ'.3's ~~.
I i} y to 848 kb.'i.i S, ThS. , card 214 iI`niy ir`F'l'leSslS' S;t"?dT2"al3:.i...+:icatc: :?.E x:iF"E+FF.t. F"eadGd';i i?i`iwa:L''iz ,fFi;>?'i (_.g., ~,0r11~C 14443) E:t? 50"e23:1 (t c'' ISO 3 s~se3;> ..>Fc c?nF:EL':desA
sFl?>.iF': c~<3:z.e .:.1 4-1 operates l.Fld 3G'..i3deI:Fi of an internal ``3G4V<F SLFF:FEIF~ and captures :di<'. c>.Zt riL?,.,. F'#Fd3C? ii.:qZ.iL i?C\% tx?EU: L)g?at.itiFA 'I.4;.F3iFl5 iE?
pt?wc::" 3li~~ vF'rbeddcd.
,Ax.3...n?cs. Ile smi1;?': i:ud 21.4 flli3.y be a:t 3Y3C.'~mc?ry ca3'ci i)d':F3'FIt'.F`CZp 1'oEC.StoF c>'.EF'd, h;
gi.43e.F3,i., .F>.:,'Flo.FL c;?rdS include i?d_zy iC37.F 'sriSliFbIt:
l.T1C=T21E?:y a:03''Fg4 and I-Fii;y i~ ?I1c.EF<3<: st?n..s. ;ip<,..sR:, ;:Gc1_FW'~ ls1F?It.. Microprocessor cards include tol;;flL: f3;'.aiE3õ`J
and >.F)Fl:i 5s?a:`i ~ i~L?F' C=C3mpo>"v`Ya:s. i11 S<)233c #:F3131lt'.1I3.i:?1.F3't1i`.n:i, d:FS.` Cio-A`F 214 can i33.i;z; s:. .es'i.l:t>i3 < '3? ,3t)7:F7iillw' credit card size (i.,=, ~ ,=
85.60 53.98 x ..'6 i:?3;;^, 5 x 15 x ,76 3,.3:;i; `sF'3 some 12TWl<.3Y3eF1whC?I3s, tfFc s:F31:.EF't Ã?:F'id 214 3Y3FFS' be a R?:? (?': <.-iiw ni'EF:EhY
token. The s?;.3a3? card 214 Ã1'ily include a security >yat=s>f]'F bL+:Etl):
pzo.p.:rfics < . a SWlEY. CY'yj1#i;pt'i)i',r5:3C1t', :54c;Fdre tilt; Sy>Ef :13.F. lw,z3:F,i->C.FEsiE'i?l e i...::sF:?a'<:;?.) '0 tii1Fr.~~:: may be con-F3:;EFred $i? ,?:t?vfdi SeGiF31Fy services (s ti., :.t:n;Fdc'nti<3tti' i i ;stt?'.,tE
>Flri3;,_.iii3 oi::i.
M, s.:x3':FC aspects t?i op<:33:tii?23.; thC'. 1[3:4T1tF:EtC>FI 106 FF'i$D' 4Rzi<.Ec'ssly s_E?. l?>Fx#3:F %F~.
~ ixF323F,3ie, 0-::.
:=v..b $.i3.: .. ;:s3-i8 ili?si device 110 w1F1, the cGllil'xaS' core network 202, _t$F' 25 FSn..V3.:o` 106 133<;y::i:=?3151113t 3A3k)F'1'd'<3EiC?I3 tt5 }:he i3'1ob1lc: hC>a dt'\ .u' ;. Jf` in response $Z?
at least i._, s;cot'Ft. ~I'l9C. #:F2ff3:iAF1F3tli)ii: F31i3y ,iTFCtEFdk, ff51's`cFF'IFp1c, tEcxIFsFF+::.t>.k e::i:?#"IY3<FfFi3F`e ``' g .aY3s..Yf,Fs.'13.. FeC%C:=Ipi, transaction history), sC:1'1pÃS, F?pp,s,dE:fltzfsnh. Wc.` sL),,u~.,s, a?3a/C?."+
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deZ'Fca? . ti:Fst?c?F:Flt.`d w.iti' a ciFTd. 112 that executed a E3'<$F.SaS
:ioaz aI'i3 $.s,Et<s#.FF.Ft ir.aa:sav`,..r. :n.iC33F31F2:At)n lo the 7-33i)i)ilC= host device 110 using 4he ca-11e.i:Fs t~E`;e F3.G=Ewi3F}i ;?{z _ n' .?3.', i: .i",F:M? tho cellular Cf')e'.t.-', network 2:)?, #.h:'.'~
iTistiiiitiCS;1s 106 .?'rfiy ;s'iEnSe'F3?3.
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E~'.Ei'i?igh `:..e cC .f:ili.Y' i'C3T'C' itiri iT?. 2,:2 and i3'i3. II?C3iJUe hti;';iY device 11 A I?3 ;i+_3#3)t; i.ho F:zt?b?.ie A3i?S'y SaS t i:: I l$.'i ?i~Y` f3 3~i'<i'tc. ft s 2i 3llt)t):ils: Point of Sale Z-11~~'si :a f.F?..;;2<..~ C't);i~t<~3-Ft)+? to CC: F#te transactions w7tl1 tt3E', Silart'':i#'d 2.1 4. i'i)'t.?s.ai'RplÃ:, a ;'e.?C1:C#T" ;.i3:i~' bc u3<?:`i o-(,.:, , a tfi)J iirVeY) and 1110,y :i#1f;;Iliile a :i)1C's"b#l+
.'.: host dt`4 cY i i. 0c 1Z%? ftz a ci3S't. . 1.3c. In this C%X:3t1.plv, ti't: t3'<iTiJ#is'ti.?n va:d 112c.
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3.3:ipli.l-i3entF3ili).i?S, thS Eiy3teF?"2 100 may execute ;:.#'E's:? or E):?<?"e of ia?C'.
niotle_ d..,..,s.i+.d w#di XeypeC:t ~ o, FIls~~RE 1. For c;3C:i7.22pl:,, i,IC:
E:tii'F> 112 .`:i:ic3i be iis3I1g, the cellular radio 1<:F:hi3i?Aocsy- of ..bt' i'?obi.3e host t?CL.u, ;.>:=: 'a~se .LSe' i-ieiy .Y<3rlt to de-Ã}cfhF>.',c AIIt tilG
t#e3E;.,?E3cE,t?: card E : ~ to c:cl3.iiif?c ;~i ?i2%c..t{? have i2'Iti'i.t.i'~3:t. host devices, if1C~ ()x i_s~:tit.#"
reasons. I2 . ,;:1#!is ;t:3 tE'.Et:
JCiftw,1.;t? ..>t. .#ti-F .;?i33i1.g0n1t;S3:, the titiE'?' 33'iiy :3`i3.I1si11:i to th(: 1n161Eltio~: M-5 F'a `eqii:.st to =.'L )s.,s. :Yc?t.`.',"e ?:,r.3v t3a31;mGÃ1C).ii card i #t2 Li:3?lg' the C:elILii'si# <)di'ii WzZ.i3c)Iofsi% F2f:?.t::. hC?sE
dt `',':cc 110, :i.=RE 3 illustrates is a blfck diagram #lI'usti:it3i3g ta. b;?<i>npi*.' :i.i?'sÃ?af+;bi:z C':3:t'E3 i12. :f FKA.~RE 1 in, iiC"C:t?i'dii:IFGe whh ;.oi2L(', Ii1:p1I?1c`=:i3ti2la?:"s3?s t>f det' Pi'{:Si:nz 2 ic.i' ti15'.= tii#3:ia:iCtt)I). card 1.1.: :iF?t:ltidf35 personalized .Ei'f;ftE?:dG:i EI3ia!
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O:`? _`..?. cox?:i3t...des:c3 L=}tp:iet 318, antenna control i:?Eiki:ti<`fss 320. c.i1i's.E3i3;:i 32*2.
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f3la.aEia,S,`, etr, ?3i3yiliC`.i1L applications 31.0 and tl1Y; user credentials ^ ,14. fhfi% F.iA73.lEi:ftf{3F:!
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T?>.. 1t ;::zf{?i:.fs layer 3932 includes interfaces it:) both the Em;+ _ {iC.:'k .C'. phYsf+:f?.E
;~ C:4?d13ti C'~?Cti'?; and to à Y::'I:i3l :i'C)dl x o wireless c4tE'S?.f.Li.ICi2'1. i:: Ir:iy>iielli:
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Zi>.;;.., iSC .8092L and/or others. In so;ale AeY3j?.~1_`.,i11+:E2m~lmn;- the Fi`f2'ek.<.S cC?nTicdit??
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physical l.':3i4.'.zftFC:e may ?7.?S,,`..tde :i to c<1:f3L2'.1i; tmtwt,C'i: two dif-Ãi.:i'e11: t?.C?f<3C'i?ls based, ..!'.a5t 20 :#-1 p 3 t, :``.. ix?e ?'F3i?i?ile Cfsf'.Z'3`v4 110. In some :fF1plC'.l:fli'#:lti1E3o`?5, E:ho.a.i<3b..t, di:~t+::' 110 uiay c;~#:1fm3.f#-liC: a,e 1.lsog pF'c?ir3c;<?.ia si:Lh as tJSB. NlMC, :.t'tzo:re Af:-opli.:.t;.iry a,~~:fiaC,a`.
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>"or the transaction C'.i3:f'd 112 m1<3y <E3Foinabc<3ll,,'y` ii'k:it.iti a N-1I4vSi~`i (?C'.`d?<:C'.
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;:a .:fe>?,.(.ii..e;.z. .>::ylv di#Y<:r bwEl as :i.it a Mass NlE%n1C3I4' ~,+i'tIi Radio (M~'v~R,) A5l.. 1:::t this t':'tA?.C;23~it..:i~.t?z3, the :z?fUi~ai.?w Gi3E1 i~:flR ;i Ã%~a:?ii of ~3l-il! Fe'!:~ that ?I?C'.'Y
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da:<:k G::,iFktT MM protocol {:~.g.. XD. ;:YSB. F:i~ewFae=); svFaud C.Fk4kya}t4=d ? +;;. t or S:~ww~CE''.iL`C'~
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~~'.~f`L~>,yi'.3I)('=k1~. of Success s 3i; received ;~ti:i~f3s ~b'i: t: 313C3~Fi:'fliI#I~: description (?f LTYCJ# y t13.I 3 radio ?f) l?~\:.; s C:f2(A #:fT~~nE ::FS#F t: : ft34' t.i<FnJ:,cd't,Fa t;iF3','d 112 to turn tiFC 'siF=A('=Ii3'I<3 01'1 W.i$i3 1pvc:3fyi.`eg th~= .i3..c,tew of :3r3<:F'i3.te(?kF
6 rC.Fufi3 r', e?i`t:i'., i3stt',313i?;; #22)(l('.}; transmit d:F#f3 SEEG~.', as send kF2it EaC:iFC?#F .c`.
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78I E3 x:o,,'3Lm=.fFfc.is :+":e=fy ;>:: a?foc..;;sec: 3:Dy ~i'Fi; security 3T?C?i2lFzL' in i2dd1tiC3#_i ?:<3 t?ihfi i' ct?m3i3<1TF(.i:a, 3:>. : x?'i~, d1c A131 can C?pE;#wi: in Fl'.wrl..k..iE;c'. '.=!'#ti'F the t4=Z'C?
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:i3(?b:ei? ...C# as Sho sl;3y.. (2) ti'Fc c;3#A IR as ?.'Oc3 i2?i:i8[Ur. ITF the first p#"iycGs4, the ti;f.#:F:54..:kE?F3 card 112 ~,a..,is o:k.. o.r more commands ES<? li3e tPIt?bili:= dL-vIC(; ,`l 10 in 3'E,~~>C2:Fi~< ii~= t:?f' i:,3:.: :? 3;E'`, f.adY3tiilc:.:t,.5fn c<lid 1ir''. FIFL: a slot in the F":1C3bk e di~ia.e I 10, a. $:cFYFJaFct:fi?#:z M41..C'zk i.,.c transaction i:`.i?IA 112 and ihe access pC)i#1t F i4, i3.>d.E's3' o#h..,: : i!C'.F?.tS, hn t3si? =:ii~~'~ l~fil~.i~F i~tt 11i, the tr]fI5i1('{.tl):I? card ' i2(;'c.i7.i F'eqFf:Ci?. ,:he z3'IC3bklv t3evf..L :::?} I0, :.z>..? C?>' f3a=F`i fE#S2l;tft3#1S GE'.~t UBC'.ir f.Flpikt:. CTeE.
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request i.s3' #:F?.F.ElE3:I?iC` '.Ea.ct #fFpEFiS.
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L:=o:f?itY f#1i #:ii4" Ye.qlicSe: dF:: iF'ki?bFle device 110 to t#'tl;FlsF)nr F><3t:.kE..: Z>wa z1SikF ;.~Sk: own io the L`>xterke .3c ;vC?2~Ei ~ ,. SIAS. C:<:RLEM3", M-F? ),. Tf:FC' Rc'6.:i?;,:'E'. D:ii<F
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Ã'M . .. , y `,x ~ 113c=S'' bE'. written to 'r::ft(.#` security !'<..IfIi:.fiFlC2:f3. 'Y'l15:
> <F )% aL:Ãi=`s}$:; oI' cleai:.iiv<3te certain fii:[.i3"tFVfIs (:f Fa;t::
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:70 Ci5i"uf3"fii.lii fi3iij+ instruct ti1'L` ftr`s.F73 x1i:tiE?33 c<:ti'd 1.
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Dziw:'UR:. 11: ,'i D:_it:<;
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?t~ fF'f iF u`..~:io `e ii`:lÃii;, ft?f' e>FaY;np.C'., offline URU', .t'. Web server 30n as p+d of the 0.'.~T of Ei.t:'. transaction card a] `.::~
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storage Ji?c<2ltfii:,. ::: f,'kL.` Ii"}cFi':,C}?"?`
,5 .326 :YndUi?F" i3`i1::S"Fie1: sites that t:he. ;,;iS7bilE% device 110 zTizF)= <3~x.E=s,. I;i sC3+?iL`
th,. WC'.ls vorvs`;F' Ji){> Y:li)y :-ii.F?:3*?3fli't 5`+.;C.Eef;:ty pFi?C)C:F":f~ ~tive.e <?. S"JL:
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y F':`fYdEF.Es` ,.,,.Ef: can <:3.i3t1 wF'ILirf?#; others. In s<)i?lu 12?1pl,aY:1t; E<Z 1:i2:, ÃiFe Si'f >.iE, 3:i?f zide :3 ~, c:?.I3Ã<tG .3'.'=S4 C?`F~.?wE 318, Tho cf1?1tcFa<.:x8;4ti Cl)3pS("t 318 12i:iy p'C)4'SEzE:s 'tllc i"#F3:i'dx.ID<+:' pi'i3Ãol;;E?i ;1.13i?ieiT,vFaF`.i3`iFoF c.`iJiif'f?E dl'ivi'.?:, RD#' RF
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<3:i3Ãs,nt3-: 322 in rf%spf3nsv Ã{3, `be' e:K.ii11].ples ss.zt:cS3s:af1?l i1Eii~IC i1i:tci~l :F., a E`Er:~?AE Ã#f::i3 of a i'f?zktd?xL. , _ , i3:lUSht'.a:ft i?1' the OS ,j 1 6,s`'i31d/i1:` (>th<.:' <'\%f%nE. Ti:C 't3:m~:='nk3.F :+<~.',<. F'x'><i!' i?E.' a short :zf? rEF'I2> ?'= c3.#3i:S;`i3:iTii cS'3?'1iii.`=ae-d i<3 an NFC'$.nliy "i''ga a ;;l'>ftwaiC: s?aa; as a .,be Wial3H=E ...;azaiFgs.;:ilFe11t Sy>i0-:i2i 7~:5 may :+e1GC.Eevelt s4\zWh b..':1,~es.'=n n.b:i'`
?-#FdÃFpw 314 wben f:=Xvcli:Ã?A3,zõ ti:'siF154E :tI"sil,. For s;-x;FFtple.
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The s@Y's;c.:?#ig ?:flfiy ~ ?iiGs.t :.Ey 13`. _i;o<:1 t:#''d<',nt3i:ils, and associated t';vf3ieC such that the vvallLi Ti2.:i?stt:.Fe?'AcI?E
;,~sW,... 328 switches to i3sLF' L,:edl:F1E3<#js in response to at lt.a >L
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if;4o d; ,..i: :4itIi soi21<, f?3ip.Et.,:<'.i]=<ftit?11;i of the p1':,?ci)t dEsel<?,,f1.F't`. For ;::tel ~?~~=; Eh:`
3'.'<inst c-i:aY.l card of FIGURE 1 i3:i: .3% be ?F31i7ii'i:i3E'=TIto(i in .t;;t't2Td3 >C;E4 iYIE_E i.E?<,. ilrEesi:riitvd, .Ely <3iS.;oss ~l iliEe~i~,r;~.:i.... Y = .~ ~i'i;ii.~ 40~~. 2I`t E;t%r1.'=ii?~~ .~1<: Y ~ 5 ~. 3#:Et. ~.~ Y" ~U~.t34_GF?E card 4.00 i~):i~ ? ziY't..f:~3P.31f.f~,.. C l se.i~L ict 5inti.='oF' transactions. H3c IIIt..lx-;4mli Li33'tlt 400 is fRo:-ill .d\E, i,:#o2'f pÃF#'posoj t>3Ea\' ,.f`iid ,.?.,iy 33it:hdu ~; ?1i3:'., ?fl, f`. Cliz1~~: , ,C,.31t :`IGF3:fwiT":S Lv:iUli?:3 ftcp:frti?',.-', fa+ i'e Ehw .;;t3i;2<`= oi.
the t>:Sc:: ;-c.
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<;trr` a wEeQ;b pk?.:i `;i tf3tiil" 6...3..i: 404, a ;,Ci:EiFJ.;-y :13t?dlik:= C;i?FiEaL=tft'SS
C.htpsE'.i. 406, <E C ~?~.. ~f..ei s and ;i3'3ct7io,7y . ,.3iS:`. :i'iwi:i3'ii 402 wli'GlGtiviS ti<3S1s,E21ifs ,:EIYE.: Et.e,ez:"C, Ci I?+:,.5 sIli:h as NFC
signals. ..`.. -.f? Y3C: EF?2i)EC c:f3t'.11mI?t?Z1S. the Sw?'tC;l3. 1'%+
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tldjE.s: .:3?e a?'.i3g?eCi'cTi3Lc of hv i3..itm?Ilif 402 to Lj:Eie the fi:
t13.Ã'.' t WiL;:l? PhiS tE.iT.1li3.g t%3i't;'siit 404 i`i:iiE_ selt:G+i~`C%a;' stZ it+..i: ffi=s'. :f32t.,F:11<l 402 ;:r ~ #i ~." . r y~~ rr ;iE:.: in F< ?~?'i.>3t iC to at lr>.=<nSt. a ut7i111~2:fi?t~ ¾-ii) , the C~
E.:" 4+.~i3, ~ni t' :.,i3e <3A3.e.i3.i3:i 402 can be a 5hi?i'?: ai1~=Y_'( ~= #lt=?~ iS
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..;:3T:i3- the CPU 408 lt? #Ekl':1 thc, iti'iE:t'.11#"Ff} 4E+2 t`.:E3 and oi:e, in ;?s3?me MC< diSk 400 Fili3y 33( hl''i.' <s#? NWC LEEiaZ (`?;?F BhFJ2i'<3tCE:) :?:f)i i:.ir.. :?C' :i ;;15 a?:?skc ?i'q ivi"# L'Fli 3:~)i`=E? of _~ ~'i short i'fi 3k~ wireless ~'F'i~Z33t? <3gZ' F,>i'>IR'iTY~ ~:?<i#'t3:f)`f d1fi i'e<P a:.~r tc-?;?z3sil in c3T't:.eI :3;i tIi3F3`#?11t data back Ei?' a using an QFC . hipJ`:> il: power ils;tl:='C= i'eEdeF' .31C3E.;! and s('lf ..=if1n Ed?<_)ilt'. E1 :J'?5. , dtk 4...? A3'mb' h?t"ylÃIdL .i.#i extc.anfli Y3Z'.f:lill. pX?:I}zt 2"C.S4i (not illustrated) that ;3'iY_'1"EIpE,~ tYi1i`
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ab.. { :'U 408 may tv:i?]:ilTl?E Etlt`= 'tiW~clal.i3` ct3Fi3.iI?ifi'd in it?
<..., t'.'vOF3;
~f..~F :3.~ :~ :^ki' tjtFa 5~:, .ii3 3p?t.=~F;liZ L>~ i~ Il":':~ ci-t%~zt?2i, Li1iE~,`t3F i3~.~~iTS, Z:`h;,F? switcht3di>n, ft~ S<:i.-El:f ;333p and 44?.i3.3;zEi.deS:; Gl.iTpSeE 406 :;? connected Ii`, Eh!.; antenna 402 ;:i;.id v>lt or ,.`r?oP'%' of the RA&w]33rt',. l.f`i'.i3:1iC ;sf .f.F%dS f(?:' :viroj: s4 . =r:õ
r~ t~(s= one x .~ ctJ~ and i:(f ~~ ~t;a..,:~. 'vs.l~l i,ii i11".iFf C)~'As 3i3ii L~E~ E'~~'?t F'f3CHE:'+'f~ ~i b;: o'-: :5 <AF~~ Ci:f=7~'~.3E
iF<3ins.Y33`,it... ;3";i'.s'+,f.Ã.", user credentials locally sffF'i d in thC; iTF~,FIFL?#"~? 410;
': .i3iy ~:iF: L <hsv:~. The til's::fF".<_?F'v 410 ,?]E~~~ include a secure .fYF~~, e2:`,F3 .;G:F::?'f:de fi<'..if.;.n. In .;3i5 .i3:tlplei3:FL',F~;.ftFtFL1l:F, t}1k, SGc':F:'e i3'Sc;.71t:31y 410 I3itfZ' ,.tL?de one :;::" .E3: fef, e3sL`A
;i ::fvf;:waFi`s:3 s that are not le,=oe;353blG by [35:t:. LFse3'. In addition, dFc FFwf:zf:ir~ . 10 F-eiy ti~(3i'L:
(?efliF`>c Wt`b .?iF s'`;+, i;:)pl,{G:F.tP(?fi`.'r, transaction hF":Ft<3f/'', and/or other e <3;t . I. some >::ap:<:3Y3G>:tc.t:.(?Yi\, i.F3t'. Fn(3:Y?t?3'rti' 41f: may FliCiil(kv.
ViiiSl3 i1'keinFt_3F'?i fir(?nn, 64 ~~IB il? ?:`.Z.J-i>
hl Fa:i>_i?i3+`F'3, ~h+. ndCY3ioi j- 4:0 322:<Fy be *33a3^-.itFoPF<'.d into ;,+sf''.L z3"Ff't'(1.Y#Ny <ia:.sF d<:`v']l:i:
%a5~.`3a..~FtFi:>., a'?t'.T.F3(?i'y. IFie chFp=`,iLt 406 i::3F3y include a s..ct:F'Fty E3:F:3d,,.?:. ::3.FE. :>;. fE?z:
`0 i:',Sc.nv:(? Vi::i3 :F3twoi'AMcisteF'CLfJ.'d C:L.YlFficd fo:' St(STSF2g, E7za:}.F34f:3l `ei.3e<'.lo i?aI'i <3:E3t;!i;>3' 9.3 g?i?b`r. standards. In addition to a i.[SeF'':4 fimaF3c,.iZl vt:,?.,;tõl:<, ,i3e 'SLeEiY'e :F f .?L....;,:.. .4'1th OiL=:f3?Ã'ni 3 iy mÃ>xt (lt:vicC'S iFFxd/(?f' <a:3Ec::3Ea`s:
yf:FlFi h3.Ipla:S1'it:,?31itfii'FiS, the CIz U 408 122z1y swF;6,b tx..
F323^.S.`F1F3>, 4,02 E3f,EweG:i3 <i! + df`>:ia,tSvii:t:.' S:FIodf bt3Ss~C~1, at :FSt ?(i p2fFt:. on a y3t3.E3:FInC'f3:' d+..õaF3?:`Ll by 1"V3" "?S'ÃF7I3pie. a 1:#;i%E', d1SFiributC?x Zc..g., 3`T:i3,iFFf.:kc:l .3.3;aÃ.Ã3:ifi<FTõ~ titf'v3t~L:
p:ic`v`.,f`:`: .'.3.EV;3#' (?teF;,. FL1;- Ã'.;YaIIFpli', 1i"ic. ('.f't' s#-i'S
nfy ::a4,ft1<.:+:: 1.4e ;it:F#<`Ii1F%E 4F3~::.j wAlLa, d:tl<~.'fl1?L`:i?t C:<3;id 40:1 is p135'y1f;,FBN' ci?f3tlectf:(a to a host :<.b tC.a: ;,F3L% wl1t;.'~F: a hi.t1dsI: \L: "'F.ih ffit% host c"3<:v.Z3 3---, SEFS.Gt'.:iSWV' L=,cmiiCf;d.
In some I1kEo;`fnUT3,ctAfF"ES, t.E... CTL) ;O's ini33~ c13.:toIT.i3tfi:i:~ly dCiiFCt .vi:};:C:~ the c`3.#3lC'.FTFIiI 402 ZileFI le F:eCOh.:,\FAt L<tkt3 20 :;,?M iy rt..mrt.`d hC?I31 the host dE','4?3i:=C`.. In some 1.F~:1~T~L:idra>tcE1. i Ff~Y e::to cic;t~'.F3?a? 402 [5 always :c>..ie such d3;t t}1C . F 1tF:`lfihL:aAt card 400 lY3cFy bf`, lJtit.(3 as a tiE<iF>l =A:3(?z`>(. c:FcE:t:'.:+:i dL,i ic,.` ?.t .. . d:;vF.L::<' on a \(."'f(:h:iTi3). In regards to the :?<3i.(:s1F;'4k-Fn.f; a3a :3c..tih, .IFt:: f:`PE:
~irl i3.F:'ty 4~mG:L'L34w= t:3F"1't; or t3':l3Ae authentication processes prior to .FL:f,?SawF~,g thL'..
%;3teA5?".`i,s . '!.?'f~a Ã~~~? and/or :3fF~tfifls9 402 as illustrated 3:1 FI~~; ~iRE . . ~'.?. ~.:S.i3x3.F~3Si~. Ei?~:'~
~, 25 CPU 408 n>c3:y F'= .Lt.3:ti.<' a physical authentication, a device c,uti3(,nt3C.at'.iESn; i3t3C f s?' i:F FF:i?c.t,' ii.tF: .,e;id:....`,.ioa'.',. fo.i' cXiFl37pl4, t3f: i..`K; 4N F3.iaty flti:=i3 v<FEsr the antenna 402 to at le<3sc. (.e. wo37 s z3 C;;L)i3:i31'.ak?zb. #:LF tlle. phti;ilC=(Ftk Nf,kr.W
24It-Ai tl3....= fiC3s~ t.E::vi::L. S 2 ic"><. L' <F3r~E ;:lli.<,vtiB~~L:l .F11;~L'<3l~:F3EIC?.i3 of ~:', device L~3'fZe.f :+iF mass 1:F3(`I:I3:f`FL' <3t:~G=:d',i ~
<i('.vi(:i% CHtt.'t") i?n the ;i()sE E$CY.Ã;(.'. IYi some bI:F3~?~L:F'A3E,'~.$.'ttiFvIFS~ L.OtiFv<'.
:>;i <lili3~zC:3.iw FL?a? ?zi:iy #i3(;hidc ph1SiCai FI.t.tT( .=?';i$if:<3.E'lE>:3 in d3C$c32~F(?F:F :ir .., yFgF';23^.i3<=
L;(~?3tA 3;:>(>:: L?, a ~1v+'1`vi 51+..T.:11<3slti'f` ti3.oii<',=il .s.?'..
3:I)('T-Flok'y (E.' c;, ;=<:i'LFhtY di<)l iv<;s L:$ee?it.Li. : F.F.#:ti: :1>.:ti7sc (provisioning) to a _ti?:0'-E1.I31L' SFg3:FiFt(&J'E' O<.lL'F.FlcFteL?" Fis"ng: 3`L`r L',:kt3i3F?3k`, a F:4z3.Fqt34 pt31"ilm('ii:.y Jf the IFi'tyi dC .'vI(:e, t13 the <,oii: no h.,. i t`ovAi:c' .F.ga3<Ftk:ti'o . 2S.
?i 1:13i ai:.aF.ii?"S', tl'C'.. CPU 408 ÃTlfEy bfÃ7E:i with El3e fià i.
.;t?t)pcE3i`la d.. :'IA:E'. 1h+:`
disk ..: ?~: 3i) ,t:.i'ivd 3:i3it3, A t;s."iFnp_atible host de.S,ii';e inay is4 a tl:.'6i:<' Eh<i.E t;afT
;)Lcti3YlplINi: Pil sscc`3.l ii,t't3i'32t.iC;c?E3<?.i3 wF.EccE.,....faBy. ik a htD}: E:EeC'it;`e S;,ff AiF."... is :?"v..ena in the 1iI01:i"i?i'G', the (TU '1:18 compares tiie stored siw;#'F;i.F.a`.'+:' whj:
2> the ~1gÃ1i3t?.=Ã":: of tilf:' current h1;it device. If the 5g3.:FE?::i'L`S FF2.a'tE,,,r,, the CPÃii 4+.e8 inay p"<?vteai tt? 5:.:`ÃIFpleic fl:ic bootstrap E2pLfGitlt;il". If the signatures do Ã.?:i. .i?"idli?h, hÃ)hi.
<?ieLk: is mE:,d, bt?<)o:i:E3p is fFbi1nA:d and the disk 400 is ."~tEeETIed ;i3 the z3':FoE.:t. it was ~3C {L? t 3.i :. inserted aF.iio the S:~i:~vdti:C,.
User 23.id+.'.ntYE:.>:itÃt?n Ii:FiF3% FIO=llitf3 ;%E,'difTi'at:o`.`'.i t?fÃYh:tsFci:El :,G?I?E'.MFit?:3 wt._ ia ZPSC'%Ã"
'fL 3:E: . lA; + '_`N :':iiie~.:.d by the i3se1, ki :Y.>09 ITt4 4edÃTcF9Ã,~
that 5 F.iF11:jtFC% to tA3t' F.E;?ei= :EF"d ~':::oAii; on. ..3:e ht`:.t device, <3?iC''./t)i= C34ht'.`~r pi"i>cC.oseS.
D4V3cs. .:i?.tt. ;.s,.=F
VQQ a ?hy;<ti.i? E):i~i3c s~t?FI i'J.i~~x L~E;L'ICs lbrf?vlg}1 tt1Tnpe3.rsE3n of a dC:vIca~I~ri3<3~lEi"E: :e.`.d user PIN t`,E' In ht;s;~,3t' <?:i:?:>ai3t i:<.E~ ii3 .i p~3i'(?E}~ ~i -~'(%iizEri_'.ii~3~)Fl of Ehi, IFSt.'~1' can 5t'.lE.'~C:t a PUN C3T ;:.(,'7ii1i"ciite at p"C}Y3:it>:3iS g ti.?"Eo. Ii Ihf'3 dit` (T.; 408 ti:ii.y Ã.315ti?Iltiitt<', a software pha<4r-EIl i'...F3th.:
h5`m dfi.,v'bcE:> ..'<':'s> C.Y.i:t;t3':FpJi;=:
a E s~`. ~Z c::~ plii f Fx3 inay request th's:. user lt?f" his ?IJN in ?'Lal :ÃZle, E`,"ad c F`:?ei' ce:.1 a FS:%<3"'.e i.il;ia .<3Het: on the d..vxt;<'. \C'.5., :Y.>E)P, and/or C)dlt;TS. 'Tl2e E?pt$"aÃ.eE:F" C;faF_o st?fi.kc?Ã:+` plug-in 'i.i?':i;4' bt <ii~~icF.a'iC?i by the pI'l)L:iLiL,. Regardless, the :'ati>'Ã'.G:ts :.E;itSi' data F":F.)' i?C'.
E;w3ip.lrt't. ?:iSi=?.F' dctaE SWiets Ãn th<". memory. In "mse of<
s.,ut,<:e.;i:il iE)cÃE;<h' Eh4.
!m i3M'x:;l:i3ii 402 .37<ly be :F,,1:W<3t 4:. In Ce`1;+tr of an EF:istiv<:os4$il? nFitd:-h <3.E e`A certificate, ffie.F
disk 4:.O .... .>L..<Ec:vFFltts, In v;'A;+e of FFtItiF..`ci'.i'`wti,Ã.3.;3 PIN 1'F)Fitfwh., the user i"F`cE`J :Z<: k.vqi.Ei"si:t:t:1 to 'xi=`;iC:c?i .i':N i?Lt.F?lp~~ md! a sEFmLmfhul T2]i3.[ch. or thf.' :IuE):beE= of E3:i.'mpiS E?:Cce.`ed;i <3 thiZ.J3.o,ai'.., ThC >Ãszo provider inay Ciitito3I3I1 the ilil:TF1pt ffiw;i '.FoCi>.
?: regards to .1101LS'oT1i i3:13l?e"wilIC:2tfCiÃ.1, the .'i?l?st C'f: Z ice may be a s..t.l.A?;.?tTiFC% `"'LE:'.h 2J 3:iF<Et Me .atk 400 a..i:E's% request network :Fi:ÃdC37:ÃiCi3dE)i2 prhr to GE E3vM?.t?F?.. For 6 xai"<3s?lt', the disk 3~ .. ixiay be dIE'tvE13:Wtia. by i3 Wireless Netw63wk Operator (iVtqo ) that reE.'~sE3E.'C;?
ii i3 lSi_A <1:3i~7Ui1~G~?1:_s3i, I;. tt5 fi`.Y'iT:i2plf ., it flclg in iTl~',Ã'I1t)tZ Ã:FaiiZ rsa: sv, IX? ON
J:F2di .iti.i3 aaF4tt .tit?l; ik Fii3~~1iI-~i;:F~.{;33 1: 1'~%t~i1:iT"N`i3.
If ti4 ~?ofi`,." is . ,.: i,t 'cz ?~F2EZ~lFS;~
idei?i..Y,' ;ab..'s3;.: tl3i. allowed ne?w{wi"li is locally >wI'S;d #:F11~3 <F
Mt?:?$li 'F<:i.i3'?F'l+:.
Code 5 .. : ~F'~'. ~7:~.} for . t1<'~t` e .fi ._~,.7 - v iZ?: t. ~5:1~5. F...~,.~,lt~.4, :i i., <V ~'~lÃ:3.~e t2 ,r~l~%< 2.k._V, a `.T., ~23 t:E: i t..> . aff~i?:2~F~: .>t .\vi.,: fS;i, \.
::ndt, idtix...NS,:.i:c. If this liiFl; is ON; t~?e f:,`IPt? 408 in "t':oz3t `F'SG Eo at least FFAsf..:E'tl"`,i?. ??.<3y i;e..j3Ãt:.s: a iy?e":.i<3.i .E>ftiL<i't: p1>:tg'=.i:F OD be downloaded to the host t.E:a:t..{.c and :I2sE4EÃ ;#e3.i<'.tY...
"Ii>Fs 4.,:awe?>., ;?lt?g-ii ilz`;3' qld<:n' the host dev3t~~Q lo f'C'ipond wF.t? iS..I<iflw. In 29 ..
F<i~t#, t3s~.s ii~,.i: i"I:?t% t?i`iinit~:%v network ii.~`,',Ilt:ii~~' t`33:}~S~.f7`'C:e~ and f.~'F~'. :i'}r t~FC.3s, o f3f= FsiS~i .
>ei?.>t .,..' host device i3_i71Z' be S'ilI'F}ble. and i1tUpi:;3deSlt s,3Y!
::ti< network g:#? :id<a' and iap<>}3d .t, of :hc hosx F:c.viI:,, If OaFr locally-stored ID nialc,hca tlit_ rc;;ÃI.., ~ ID, :i:}c, CR.' 408.3vi.i`':0zvd the .3t1I:~::1,=sc? 402 ef3 [;:I3c}ble t}(:.`:;<'.:i5 f?I' id)A:pi':se s.`n, lces ::Ã;~. denied.
`.: 5 ;.3llisLT<1te:> ii:iF I;:?.i}F'.3pl<`. 1F"i3:lt4c3L$il3F:; ~cli:I:E31 5tit; RiF' -,4=#Iei}>s.dy transaction :I3Ifi'>3E-?ati,`.13:F IIS?T?:; }?Il of a plurality of iFFiefii:ct=s. FC3;' the ;i ,.ieYi'a 500 ]'m;y iX`:ic.i ftY,-".i~ the tI'::}}i5i1ct1L>f3 c<'i:I'r:'3 112 :3`.IFr: a Ei e: UCl or w#IvA:J.: .;3.ei'f.;ic.;. hF regards ti`, wired FIFteifc}cE.'~:5_ the .j..it,.i: ti k?i ..ni;:lE?C?C:;e ;i.IF :1d8pes'f}-504 _:F.a}i a mtzii.. 506. `i'liL= <,I.Iap:t?r 504 >:m3 iswhF:1e any st:¾i:w,irs.:, hardware, andAr f.`F3F:}-', }?t`d to t3.}ns:f3.tf .d between a fC)rFTiFit compatible E.?if ..... and a fi:'?In<..i: L:t i3?i3ti.`:ble w3fln FL3L cEieIat 1134C;. For Z':S:F3Ia.37le, tha. .3Ce:}p$o.. 504 fn<.5. Ei21fi4`ii}t0=
i:st.,ti'e..a? ..3}c?'i?:>D p}'i?k.3+:'i?l i3,i)d. a L;`,y'B protocol.
~~"hE',. F'v<?fif'. .`fZ6 can ::: }.l&~ <iFit:
, 3}F3.}'d3Z%iF"q <3nd/i3e` HnI3v4il.Y: t=f3#}ffL.LIfed to, dIs.LCl4' 3A3''.cf'1'sis::, ;vti'l3 ffi':: card W,:ie I 12t3: For ..;ca?Y3pl+::, le n'<3.dG3" 506 IF3:iy be a T.F3ICFY?SD ri'%EdL`F' st34h, ifhca, i:tlf. ,.;F..#'it i:t4+:
:5 interfaces ;i;a:,, the i%EtI'd 112h tijil3g a F2:it;:I'C)SD protocol. In regards a:o wt'Cil(';:s interfaces, L:?e sy`tfi~.: RK) I3I<'Sy include a cellular interface 302 6223d a Aoi?.:ei:'i424.',('.~
CK'ii.3d.S: ..i.4~n.f<3f.C% :508. In T'e: <i3'~~s to ti}<: cellular interface 502 :>1C3 13.:tztF:#it;.flF2.ti 306 ,.3:F4 L:: >a s:>,.j' o:i3132)}3.I3.ii;FFEG :4'1tl:i the transaction CEfF'd lll~ usilaf; :.tlc radio tci hT}ti3i`.,~ i f.?ic 3I"Ai?i?Flc device I I iie. For e:S.:Implt~.; a.t3i' ...'illiltir ik3ef i' .a4e 502 fF'ka3;' be .., i:4 ~~~~1v3..^. 4F#.i:.$f.}L'i; a ~..3S2~^. i3.1l's:dIili.'t'=, a S.?M'I S
ii1tG#'fc'iC<:, .3I3f,.>.:"s. o..:cz C:i?l?:eli1l' regards $o the short-range wF.F'eku iTF'#oRwe 50% Ie3<= k.ESf?Fl_FF.f?ns 10:2 i,;;}; L ?Fili3"iT.,.iL it :=L':it~3 ii2L transaction :~~}3'6.i 1wf~ EE4}~#i i:;f- ~:l.t}Yi3A?~C~; W3Fi z' .I Sh:23"t ~-F<}.Ilf k: ~t`lIf lvti~ Il~t4FJ<3l': 5~~'~1 221<~- be ~.i.,;
S~).;.: I F1~L2>:.$C~., a ..av:ifi3fi%e' <l:I)dr'i}p ,)ffif;I' wi3'f,ie5j 1.FIwF'o:Ct;;. .EfF t.it>=s:
;:`% ;J;e..} F3:i>:};% 3.i3:'.l?'tdi:. a lisi3'.isCe.}-Y't:r used (t3"' wE1'+,`.Ff..os 3".t,^3 the $:} <i 7ni:.. : 3 ;? ?'F cW 11 27.
FIGURE C? is i3 ;>ch(:i31i3te dii?V"t1FYF (f()l} of peFSC?I...e.},.<.i.7o..3 of`tE .me:32go}fi C:i2;-d ii.'. 3i` ....,3::5eis.aif."sn card 112, the seF'vle card 2 101 h3 p.z.1%F2Ii:F4 Me amOU;;. 1Ã. card n3my b.'. ; e i?F'.i3:i1Led lti'3t?I' to b:33?l; issued to a user, i.E'. p EL-Fs: Ei se?o<'., o':' after h:`. .FIFMr ;3+, :;i1F3t.,.ti ... . .>wt'A", t c'., :?osi T:;s(}i.i}7ee, IF] regards to pi'f'.-I:islaF1F3['4, tnfellFc;vF'I,i: s.:-.}i't; s IF}iiy. be i>eF:o,:fe3ta,.ed in ''3;:is5 batches Ii. .JT eYiif11plu, i3. i}cEl)'.:Y.
>ik i.:3:s e,`<.EF3:?pAI:,. C`:}cfE
vstr("A J31`.'y ;?e loaded :=~'1tii user <;F'C`d( .F'kfii:tlS, >[C i.+3:y' ft<3mwLa:~:t.i:. <)pi?lSt:ae:It31"ss.
S."sdEt.ie Yi ?p<it,.'.vs s.:ili.TtiC3r i>i.}x::i' <hivc, II3. 5o:i31t.;
IF;;pie2):Fe:I3ad<3>":is a }a?:0Wgu3'e oi3'd I3m3%
b'L' i#~i)?..c,_t..L=i~.:13.iA?v1dii.ally i)e., fbr i'.S.i1n}ipli'., a i?:.141k branch. In fl?iS `ct:.c'.=,; a 3?:<,1l?`goa:F
i:<3id ?:?czv be .i?'#d.vxd%t.?.ilL' li3Etded. w3ilT di?.icl associated \=ti'i?".h a EISt'4' after, fi?F.' ~x<3P.?zT3ii', .i?<: di5k. A:? zE3I' post #1SE.ict:ai:~e, O?E? #F},ti;lllfi.`ir:#?E C:i3#`d ?,.e i bf r'i>. C:x<33?Ipl. 1hf` f.i'tfY?saci;f,iiA C<ii`ir 112 Ii,i:Ea be pQ:`stSti7dil;:'s_i through a eidill>c3a f:o0#?i .i #oi'# G5ti3.bl'a;ht:=d using EE1G ?7?i?fl4'. device ,;:F). in sE'Ji'nv iF=. ~' ~?C: '~)C 1 ~t_ 11^~kr :~ "st% titii?C:~'i1 iia?~It3 Sa'.i a dl:i3 intelligent t:~tl' ~t #l1iaS' =Gi c.
::oi.?paa.i;..= ~;?\:h as \,liÃ>nt. 111 04.
In ti1 23:1i ?:?'ii3liT?le#1ti3:if?,'.?s, }?T{3v'iSIC?l1I11go¾ ti1 F#1?LHiA?C'E?t card cczn be based, at ?LttSfi in tit, i?:? the i~1S#i'?bEif?C?Y? t3?=3iS' 4?Il:iTi6tetl ?;ista~iE:#ti:i?, <?z?C:d`F?ti>si, ;'L>. ;~mi32ni 3l~~. the i1`~~~ ?c!?~ .1?i~ ?~13y' ~?C'. f~1~TYi~.1?ta.<~ii ~:`+~47 a ii.?>.i,#..,i3.l :Tx..EiEiitIi3 ?
:ij .: >"sF?:I3.~, 1:i? ?~.~Tl'. ~$'t.i?7~,% 1?'x?~)is'.?2+::i?~.ftzt:ill, the F:if~:vil#~`. #?t card <:~? be t3A`C'....
=?I' m ..i):'.Q... with i3:se`_ avl'.t)i1:1:s. In this 'i.'.c s-L., dt':
inE'L`ffigent n'.it3y bi , i3i:.1S ated 3:i3 `:"'~Po ... >;:> 3A li'.c3si. initial 3.t3.5t;:i"El.i2.i? T.i?tJ a l3i>st dev`#.:Y=. riiL et;it:<'=23t3i n?l1c>i. may be ;Wt E:o pi>w"=ve?i i.3`ialei3t#cE?.`iit)i3 i?1liV C,V di,ti3lllt. IY? SO1iIE
v;1SseS?'kplf.>> the 4eSef' TI#I:y' jvai ~6~tiC>~ i$
2~ \..ei~:>~.J? ,vi3ilf;il ~i? e31'~1'~I? i,f?liiii.l~1.#itiil_Ii:i~. li ,iC?
or through a PC t'.2"61f.le i;F,~f~. 3~ft~2;
fi":i3lc::e..:?e}7t s^tiv>3l'f`v 3~~th(.'~ i?'.`,a$ Cli'.=viGS,'. does iif:t$
have a scat'41l <?iv k+.y:?o>:;1"fi, t?:
w:3 S'.`,k'.<?s-i`:)Q,:3io?` the lYlti'`=lligi .ill: v23.2`d z?'IÃ:EZ` it E{+:ir:` dC'v?C:e ia.Eadie...,.i...,_,C`.#. b`$^gt: <iG'tdt'MIiS;?, I#? Sf)I?'Ic i::{ai12plt.s, tI:L.?`GF' 1n fy i3:'f>Z isii>Fi fiI?.:iFFi:iES
d;?. c1 ;: ., ..m::12i or di'i?il} ui3i?g one f3fSUS'v.iF3z I?:tE thi3dS. In addition, the s:;iiy FTdti 20 f7or authentication. fia the user-provided 1321ple1"i1t:Y?Ei3ili?i3., Ellfi.` user II? Iy accp.#..#C' the z:xsz l~ rir:: :c{i3"d 3`,E:;:i31, for e,ir#II?p14,-'=, a retail S1:(?#"e Ox s:itht::, ch,.ll.i116:ls iK}sE
iiC3. 2, , ?>iTi .~<3.vi3li~='~. In tl?#i case, til?> 11HC'.3' 121.i;S
'1Ct;;c,%i~te fl?.L, disk e ? : >hnoilt$Z' of dt ba:i'i'.fi w3i:l1 pmY'lf:.f':::C`bxLvi.l piovisioning.
I3 ,3:id.-_, ti? activating l{Yi" tTF3#i7:it.iil tP`clF1Si3CtiiY#lti. iw iA
Ef ~ . ;;t:}Ai card F;.?'rij' bG.
;fi:i'i.d in nt:`;t3'iC3Tvf ?T1CdC'. ~V'ht;I? L1Se3" acquires Che disk tit?.E:+:;, si?F .'.>:c?n`:)ie a E.?c E1.k. a iL'itelt<J," _p:i'i?Co a ih:iY?~-pÃii:y pi`oVldc,':, :1f1d.i"i1C others.
:.3<.t:*,. fiC?il o. iiic disk ?.iai3y include :he a6flC3'w;:n`? i'wo lQ;S'e:s: 1) pEFy:Slt;ti~ly, 5pt`i.T-fyS:ng c .zt4Iin<.} .Ev:; Ec?.b:i~at .I:Idi?E>:, ~'~)<:#;Z..v se : Of u .'i'li?Y?S;i.ielce> dfi,:Sari.'C?i by the I?3'+
:'T(1GA; and 2 )e li} 3ca:tflS', a.Et d:E;: .'#1'#:3:#tE:ai?l ?.i?5i:.itu,3f`aa iy#iifVrc.lg activation of 1he financial v;~~hFi;lc Cc.,rF:Ii:Ef i)#1 the In 1i?I?.Ã;
~: ?:i?'1~33:3:ii,'=":~<3~i;.i3?, ilt;d4i3Ã?i?:i? :Tlay be based, at least I:i3 pi?.'[ oii device i?-ESi?'3bE?.Io#', 2iOi'Gdf7i?:, i3.?d%s)el:y't3S: of host deS:i.e as tB:3tii:I`awci I Fable I
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+:a:F'Ci 112 #.[?3:Y' be t.ip4y.FdC.k:d to a;Y=..,5õuie a w'i33ivi svstL`=I23 using #31t3.:t#plf FFrr:;<<#FTl'`~?lt:' thc f:f':;#'FSitC I#(>;:
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ti :F)3<3:F1 F;?k'.F3:F 'F2~ iS'1t~ F3-a .".~S through a .4?iL3 43 or Z1a., tF ;:ir#:t#1ecE3l?Ie. IF3 l3ti.t1i:1C3T1 to tip~v.,Ittd123g :1w Cr,i'e'd 112, :? :Fi~ti33~. r;:, ?.-3<>~nr C:Fs:~tiv#1t.i1lS i3"t;3.;' bC: ~'>.<<dC'd ,:o the FI?Ã'mC?ry. IIF this case, dhx. .' '~...+,,'<3c.tiC3$?
C::,.ta . ;.,. :A<3i scli,L'-64'eli' switch bC:$wS',.,#q the d#llb#;e3a$
liSel' <aE'C'C.Fctli.<3ls ba<>4d, <.t: ls,{3sE
in put, 'O;i Wm user ti. li.,ctFC? J, vL'e:etS, 2kFld/C31 other aspects.
i`3<v.U'RE 7 is a flow t:liiE=1 #llF`0+tr:.t?Y3g an example i.i34theRi 701?
R>> <..#l+i#[?.;t31%:3:llir ~?i?J ~ ,ii=,.`= T r> i?Y? #:mi'iu?aou C'<^.2=t3 I.F3 'E sit7f'qFaS.% W, <3. I4a5i: #IIsCi'i#.C?.Fi into a iFSS:it C344'.?l'~. ~, lA>
;m8 I .a, iazi ?:3FC1 A;C;?':lk l:aai may E>xi.`.':,EFfU 0110 01' F1E;.F't <i.FF~~'ti lt?Lit(dt3F' p:-o'cõ_d.C3i'C::a P.S'FC?#' to!
'A:<1:F3L- of ti)-o ,y.t.`=p; in U114 f:ob4't.:h:#:Il may take pl<2::e ..#:F3"BEF1F.F}.li:=:2EFs14 <3.i>Et%<:?r ,~
in ?" ~ ..~.t..;;' .' ii (i F.CS ~.i:i as S~1t. \ #2 > ~'S~,4'StF_''.:i3"F 1}.
~t;t C? ~= Syti~('..':'t1 ,.,<~v a,T 3.# ~- ~n" `tl~ .~' ~~' t>?C'.t~3C?U.. ~`
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'.dti. ,io.,..; a t`,.?S, ?<:w8: 5tep;^, and/or dif0fe31t citCp\, ;',i) loElgi3." 'tiFS: :>C. d-:?C$5 #C:F'1u1.Fi :$}?P?3.t:3; 3i:_i3::,:"=, i.
;.'.i:'liIxt?d 700 bC;glIls at ;i#Lp W;' ;ClE:Ft: F.?z:>f.-FtiCiF'F. into a :.lvsi dL\ ,~a ?s d4tC:c,:IC'.'+.l.
For ': e`iwi13 t.., t.:`i transaction card 1,1<`'.. I31-ay detect insertion :.e3ES3 the #:tobIk' t'C.vice :
If <3ut.7ii=:i?.#..ai'iC3#': 1s not required ft%i' tiF'y '!.5peGE of ttI:G
i.i?ECõlhõC`a?i card at a1i'.:: iSSei n<?a :,,Zi'p .~04, t..,i'.?: eFadti, If required FF;I' <!t f5;ist i?OL'= aspect, d`e<',n t~;3Lt..w.i.`i: a3o;.Si=:Ocds io decisional StL?p 706 If ::s;3#TafAiLt#F#L,.-ttEC?#.i w?:i:F i,w iiS:3SE dv'iet?C
1: 3:?Z..?t?(iZ'; i3;" =I3L)'e e-m#'a9 fl u#2. i3: qc.p =%()ci'~s, :1 failure is F2dtc<:t(:d t:? ...:iE_ user. In :liC.`=
i'Si:ti`i1;33C zait: i.3a. J<3cui?n C:and 112 32tS' pFe.'~wIIt an 3tlC?k:Ff.3<?.3 e.3f:F t?F?i?F?'t'sa?Et :3~i1?fl i::t-t?F' ii:> i.;::v F#;: :, t,Sthe i SU :I1 i. R ?2 i'4~3I3:i3:Fli?nT(:<lti<t#' c:~at. ,. is not detected #:i~a Cit c Fs?<#>IiEit StC p 70.= ,.hõA3 exixlitFt?i p'E3ieed; lt; decisional step 710, IZ'i s<3#'.i3:i? i1'A 3<:#'F3.;YEEF;i#C?d3: ;
the :L:td> gv#':L C'i3.Fd i.z>it?afx.. an SD d$.F`?C;.3= 3:> the host dC':dt:". If le hIi.dhgau cFa1=Ci L>NS'' 25 3't,`=quk "x 1115 :3a 37F~~3(?2~l~it::t 331, then C:tf:C:lFL3l?1 pI'ote`v'ed,.~ to C~C: .\FZ3;~<f3 sEb:? .' ~ 2, If <t.he F3i t~v+,. e 3 .?.~.3tL`=:i3~#..,.i~.F;3;~ Hig is 7FC3t set $.C? +-311 EFIc:., at ti(E'.p 714, i:>lc <?;zt.+F'f1Y?ee ;s E?.i;F1C>d on and t,Ec? :im..,.:.F#Cc ,F>t card is i?p(la?e'd N4'#1h l1E?SadLA:%u s1gItLFtE#:t'v. As fo&. Ã?tc% :';S.<3F21pic: flaw tF'i3a_se.ct..o:., t=>.!?:'d 112 3TisF)` <IC,d1'M<: tF: blm<'.31F]i3 for wr.mlvSS transactions and Fdpdi?t~`=
1t:3 ÃIaL S.FST3F3tE3'C: If the network <iFf:~iv3.m:L:3':Ft?F Ha4;; is ?Y3C? ci:;L' L1'' ;E% turned on cii doc?:#?C)Fi.d, step 711 LEAt%#:F., at sEUl? r 1f', the t#"tEo-flEY;['..F;.t 6:.Fok iT"<Fl5F-?;u" a F'i:ZAlae<,.t .?' the 3'le:=twC?#'k 11) to t.ilE.'~ host device. lqCxt. <3i SÃfi.:l; 718. ccFC`t, :i=,T?~.! H.= .a aC~ e3ii J .i~C? 'C'i~ 33%,,.4v'f?Y'ii ID. If i:3(: stored Fi.~EZA'C3'> y: ID and i~3C= :"i;t~FF..~s`.
31e=~~ii?`ii >> >` t>:1t.:h, at decisional step 720, tt?41'i the dFSk I;i 2'aC:tFv'sEtid sit r? .14. fl` liie ;t:wo ao,`i'ir. \11)"ido not iY3::itt;l1, then the an.tei4n<3 is deactivated iFl: step 722.
Re:taxT.F7Fag to dE'ciSio#1<7l step 710tf the :Ftli~li=XIE~L<f~ar:s'e'f is F?C)2 .^=.FE ;` pE3,i, ,--,z?cal then e:l'e:.;1Il31?.ii pfYlciLdS Ec., decisional step -.724. If ::fFC'=
<aEEE:>it..F2.f.cii$.iE1IF
=33'53.....ss :,,e,.ades d>`='s'f4L ~.tYtht:,#2tTi,:i3.Fl?Y;, then, i3.E step 726, the aF3I<ll1goffn card :#.<lI)sFl?.it;i tTqil ?si :o.i' a 3:isw~.~4L't?A'k I~`.+ to I fi:: hl:t>. <$<.\='SGi.. A#.
step ry4:.'8, tho F;.FE0liM:%1:,t cii,i':^
,. t 'e ~~ E:1;~lF E i)ks , a t< i. .~. t_.i i'3:FatE:4 ih'. .~.. t:?i' 3dit[.~t,4'Tf .F.t card -r`~ does llt.si at least . F
>F ~.3 t.
txi`s`.e . g i.iari, then i..ieilF:1aC)Ti proceeds .fs iiZ'.t::iyit71.i3l ~,,1ip 734, aF du~ rnEeffig(-A.t card w.:<. or 122.?:F'e dc.'V1ct: SFglatttlf'G:?, then C::tecl1lFf:i3 proceeds t:o tat.cis:FC3ni1i ;i:0p ,.. 732, F: one of d.t 1:.Et.od>.L tiFE;.1atF3,C'3 3:i2:Ftt:=.1C'.;i the request network lfl. thi:;az CxE;eii$1t1F1 ;-9ii.'.:v#.is.1 to dC?cE5lo3:Fal StC'.p 734. If M<. :i#i?Y3z?WF'0s a:?t~
th'`. request nC ,two:k- I~..~ d:0 iiC2E
F.'?at >-t. ;1heF> kt;Clit?i?:ti pIo>.'Led,B to step 772 fE?Y' df.;F=vtiviftfo!i:F. If user <3,:Eh4 :3:]cati<:3F? is zat?: s;add.M1 :.;=i in :.hi', <a.3'ihfi;.i1t1cÃ3iiJ21 process, then t'.x4.;t:titi<3ii proceeds to de...sE. #.1i2.1 Siep, 732 1t`a ~~ .~sk:i3;. EFi.tMi3ite<).ll.i!.I3-. If USe!' authentication 1,, ;sa;..i:..dE<i> at <h.:6,ac?z3a; sis;p 734, i:i3:>;:F pi'i?cE,t-t'as to step 738.
RL.i.ii:l3:i?g t<o, decisional ;iWp 7,.,=1 if d:l(; F3t3thi.'.FIt;.L+aiFUSF
~.:)Ft3t.v"s does not F[3c.W.de dci'ic,., ih;:i3 t-~Y.c'.e;F1tAt}3 proceeds tC? E3LC1;3Fi:i3Ld 5if~p 736, If :3sC`i' :i:t3iba;)::i::F.`.Foi.F i.:? not iIFC.EE3.dL:d in ehe process, tht. ~m Fi:E
5.o~.,` 722, r.hCa FY~~ plF~s ~Fi cilii is f:fiTTicd i=fE .,f E.St.#. .:i1:it33eT.FtiGFadi?.i3 i:+ i310lF.tded. Eht.i3;
at step 738; c.hE= .::>;?'i'a m, i'L2q?:1.N,.: a ?.':N 3?w.iiF3r:.,'; fi"e>i24 the EFSti1' E8:Si1:t~; the ;'it.)M f?<:\'.ti:', ~~M<3:FFe it'.u~ ri).Fn: to tl"Ei:`
vaS.<;P u Fi'=,. the i3'i3t3s<i[ i-3t)31 ci3pd 112 :T.iab' present a ietFEFv:iE fCiF' li3.L u4:'.'.r Et: C'.3:(at 1" .`;. ~~IN.
i:AEt`uw;,F t x GUI I 11. At sl:ul? 7-,J'ii, the 3:i3it,llT,?eFIE card ft.t...<'ve4 a lo;'zr iy-sEt.sF"t'CI. PI N` .
;f the ;-c..s,;i.sà PIN E3Y3d 41t>fi-.A PIN il"!r`2i::'li at decisional SFC:p 742, E.h; n c 5,i.::nutiC3n a3E',`,..i,.iaZ to decisional step 712 for p}Fy;rkti'1 siR#daEnt3l?c`3.df?F;..
If the rs;tzcEa...S; T'I'`t iFFt~t the !:`= 5 i.t)i..a, PIN do ;1:` t ii).Mi:.i3 at decisional 8E3a? 742, d'ki:..E3 exLC.i:it3o.F iiiE?i;<'t->:% W G <r:iSFoi3Fai sWp 7:0 ?f d3e i3ta3;i;3sr,?' of attempts l3xiv=s; not exceeded a sposftf:.s.:d e..h.,i'Sh:;ld, dFC"F"E
i'.xccu3,oa, SC:tiF_t'.t1s Ãi? stwp 738, If Li".c 21't1I?*f.i' of <atEGI3'yi4 has E xc4,~+i to :?.o ffia ti the ;_, az;.;AFFa r, deactivated at step 721 FIGURE 8 :i3 i1Fi v<Yii3,:a3p1C call fb:rti' 800 fFa i3.lL.oE'd::11.F:e Z6fl?
s<ifi'li`=
'30 of 1he present ialSL?li?:iF.fF"'. As fflEFSt'<2tZ'.f.:, tt)f:. floc3, \:`:r ii:F+.3E:iiL::^ i;
n:'i3E o..\ ~-',02, <3. IF . ~i i~G~ ~~ L= K4, :i:n i311efligt,33;: card .~.~0t;. El:[3<3 a :C E FT:F;.n<el.. :3()K The hoA
:ac:~,-.,o. :: 4 is c^.I1;1w13F:ei`~. to communicate W11ti the il4'Eo--i3,k 802 and ii"csEad:':, a slot ft3>-::.3seti +3,:F t,fi?lir 3:,I:oi(3.S:,,i1 Os.i3d ;iO& nw iilEdhgmU C%i?:['Ct 806 is ciSntty;.t,.<'E3 F+,F"=zsz811hE
~.~3f3133?zFi} >:i i;? and ;'C'.Oi'F..V;', daw fI'+:)d"#7 a Z:is`v'1 IF]F<',1'f#ZC:C`. <3pplFi'F1.tIoIl 810 '~4i'EiI3`.d by 01E:
host d-uv:i:u~ 810 and Z:xi,+.:ikic'. 13"<2.FZ.wFIi[it?l:is independent of tiZe host dovZ.'.e \>.:s. `I'liC% card '06 .I3cJmJ <l CPU 8~2 ft?#' executing transactions i3#1d 3 -`IZ%E#+.4;is +.ÃZEpSC'l 8~4 tE?A
with ?`fie fen-ns:r:ial 808. The CPU 812 executes a host <,ontr.?Iac:d;':W.Ã
;i 1:#i_i<3f.c.Q:; .} 16 ::t?Y;nAgu3'ed Ic, ii':3#3s#Tl.itti Ci?fZ'i}'[Z.<iFidS It-i a f{'sF"i:3 i'ofliÃfa-EbblL Zi'.ilÃ2 ti34 jfE:3SE
dev>cQ 8,,04 LtFZi- Z ::#? vfi3ri (l%Iw fil`iTi the host dG:??i:e 8(),1, to s a :':C?i'ti. {w:?Il:ip:ttdbi(:= -,it%Fth Eat'?e.
Cr'T? S 12.
A. Me flow 8013 :~lay iirc,-Ãz_FcÃe ;:izaltip;c 820, Ã_?o.,. .m t .,> host t.:va Li: 8.. 906 '3:~Ã7Sõi'~i'E',G:.F the 806 and . a.C E `i'F31TFZ:i:z 8E~8. ~" ;3 ;e<a i :}:?ia ~.aL ` v;Z,ifi and 3`' card . aL
20,a ifl't2tit#-m::s a $C'sSii331 managed by O-w +;c3#'li 806 Ei5F1i:: ...~=
>kewo#'ÃC
A.Aie host device 810. .Ãf1 U}.iS t:XaFIipA`w'> tlZ vc'}F'd :`s)#.`
:I'ai..::>if t:i <`'ao:l:i zm-:<d'.ifis#tf:~: f. ?# i.PZ:F'~?i3~;:k? a iei~li' ffl~.$1ti.C?.I'ii: 0 a()lZfZ<:t:l~ .L2 to the host ~~.~.?'e~~~. 8?<-?, and <:F~f.:'=}' l F t t ~~~~ ~:I*EF:;itiZ:1E;? .i~"~ F ~ ` ~ t `~~
l=cL Z ?3.:; `= ~:r~` tZ.i~:iZ <i F3. $Yi]i 31t.st ÃL"4` I;<a a3 ~i~~,i C. : : :iZf'a~~> i:. {>.:..
?; t `R?t`.s.: eo .(,t,.;Fv#-F2g data f3'C>i.Z lh.. #if%$w(>e~, 8532, taZe h:;q >t'E Zc4 804 fZ'fi3:r m`r.F3Ilitil.Ff diC= wa,ivt?d di3l:a to the card 806. I:.3 sCZ#Zi A
::}?.~:F3FS.FZ.I;:Eti+2 ~~f4 {`Fif+:a 806 t;~ iiiZFZtiFZ.1x: e1 i'ezai.fk,41: for a i:ÃEv?i;(>
:aF4?;F1F3EllFc to :hG: host dE.k`fco as .:ii:i:>i:Faut`..'i F#i smii(li'i 8204 For .:k'tZ:FZ1plZ=,, the card 806 n3iFy 1'vqil::.5. tF':.t: Es't'?4'fcv tLt33fZ,#, a bootstrapping pf'oLesS. The SC'.;:52:)n 820c iMi5uwt?s O10.I a user nZ#iy si . 4\~i#Lai'cFnda ii:3 the card 806 ih3t?i.}gh ttZG ifZ.lndw:= of O:iE' I3.: n ;k4'3'=e 801 F1)F-2? ~ i3t`~i 3 => 11.v ?.l:>C'.' fl'}:%y request that diE' disk kh`ipI?Z', the user's .oZ1mznt}:ti3 Ã1Fm 3}'y .`=,"lii i.}\, 'Zw= .'#cL-` of the host de\='il'0 804.
zz> .>+.dilZe M<` (:MA 806 2Z18.y k'i:C;E`F.Z%i:= a cC;#'e:2i>aTZd to c.
.,F\'F3ti' or i.Ãc~<3c.:}y:i.:i: .x.e <iIP#i.`,#?Ii's'i dif'ZZl3bh i:}3e host device 804 as ill,:t:>F.c..ev ... :i:.`=s..1: I1 820v. For a t3[3:.i3teFi.1l institution may identify FF7"e`fiflFi' tf<.f:s:F,.f#>i.i:i 3i3<i :n.EF3::r1F:Z.ii :i.
~J "<?~Y '.i3~i. i:. 3}~~t3 ~~1E if l i'l?#~ Ji~2 ~tf? i~C'i.:Ui#viiEC:
f~ilt~ card 8~~'~. z.~iC: card 8~;:; If3:;4' 3Yi lm?,..'e= `.', user by i`eqili".'sEZ:i;y a PIN 4;ti}fig d:ii.'~ host i3t(.~,#6:,L: 804. As kiii.ilE7<}.f"i:Ã #i' .
sm,<2t?;3 Ss`SZ.> M. .isL:" :>lr.#y stkb:i31Z:1 a PIN to the card 8436 E
sIrqg the i,i.::d:.4..o of the ItC'tst dk Oca. :'s'. ,.,d3d `r.~. i'eZai?L?FaSc:= to an <'.:<i3.1:iFZdiZ11 of EE'9,fi; ulti?#ltftIf'.:Ã tIN, di;~- card 806 fZ'};3S' p?'a.G',,.. , iwi& the tZt?St device 804 i:dl i1zd?cI3tAC>l; tia33;: the 3:-,,i::F ,.,ixFi'#iiioSi kS
:2v Svm.e`4.iW m hiE,> }`4fl:d, IFI some ZIT3pli::lns tZ.Eri::E+1#lti., a (FSl'1' ilnLa C}.Y. fi?3iZSoc:.il 6FZti(uEdt.Zil:iZ
:. .I. ~,L-.`,`oioiZ c~'.?si;E. :"i?A
't of ~~15: card <iir . i:#aLs: i.i transaction l1i Sti?#~ 8f.:~`, uS Zl.Ã1lJ,ia~v ix:
il.;?L:1i~l 1#Zti?1#.id~~:i`t~ iI.ixF~% i:['fti'I.S%121t <'i'. request :C?f' $33.4 ;':cit2.~<:~:~:it31i !k?`~~:t?f.~, t;:''~ti3"l >.a`... .> f;..A .
802 L+;3Ii"ie:.ii=d tL: thL'. host dvv1Gt:. 8ft4s ::F"e:d x. A'i:spC?,is:=
i:CZ at ..::i5z 1F?
.. jY.
:i-x t1hi, L ii'a 806 t?3<3.j% ti'ii3'i5tm1t t:?C' td'a:04iii:F.ii311 hty f'sB'Z% EE: E.;f rii3:iT.ici:.El ,:ix fi:.,.i<>n EiS:iTif' diw ar`i'Y.'=L>?'k 802 connected to the host device 804. Iit s;?2~;.o ffii' tlse' :?.:ly present fSffliS:ti= WE'b pa,E s :,tortd card 806 <':t:>
iiiti.#a:..i3i`.:d a.: s.;5,,?<3:i3 820. 1'oi' l.'xc'333ipl<:,, ?llk card t~'.'~E)6 .?7%Ey receive :v..~.it to p>'G:,icet <?n U,i:: z3<t+?i? ~7's3: 3 the it5~i 0S1Ii~ $~'li~= ~l<)s. <lCL'ic= i`t?4 tiF'id_1 ~r1.~.4;:i3e t.~~t. t.ea~.:Y?z' p: w.> .6,` ' l.:f'. i.iRI. 3.i1 E? te #f`qi.TG+Ji: Ii St,iliL
2TIlj5~~i'1Lv:i~3i?t;1~, data stored :ii'E fthe 3m:`?F:.+ õ . a :i.ii;` card 806 'a"1c3y be presented thi.oi: .ght fC;I' example, the ::o5't dc'.viGc. 8-04 :i:i iib:is#..<..-:d ii? G.=tihli?:il 820.i:, Ft?a' example, the ns::=r ma4 is`(iEw,sz sp:.Jfflt. :ikmn~iitiC?:i a5: .,:.,<d?c.> a ia':'_"i3:ctICZ.r+3 on a c,.',IiaFI'i 4i#1i:Ã thf'. card Si,t3 :}E<Sv ~:i..lvZ= = I~ d%Ei:`s.E
;?#id s.d:~.... i vfi3 t iS ~;?'i.~3.t~~ ii.a:3i' i:i:+&1:;~~ the lZC+sE
device 8~~4. .iIi o,:~t3i:it?Ãi, i.~~:: 1iai.'3' f1:~:Z' -wõiL u>Ut to the Ti3m3'3eii} in Me k=ud 8{)6 as illli.'iE3'E3tt'd1n oF.'.55.i>t. FE?.
2Yt.y iSpd:itf data l'I%ii'ii an cim2<?mh?ii, ctni:1 f3B E'L;spo as.: ~o at lE'i3.i2a. the i'w,jii<:5i, ?... card 806 #i1ay adicaff:. whether the i:ijleit4= was a s'FitL.;~~~ or :%i3.EF?rv. I'la;
! Lit'C;(}
ciU tr n j ill~~ ~~<~.i~. ~ , ili.xt e~i,ii~tx +.if the cis~_r e may be C~.
. ~.. ~ ~., 829m ~=r~~ii=xtttÃ~:, i=zi '.~ ..... i3:1;g f.tL`is õ 804. For t;:!CaiTVIi=, Mi S<.:sMo#3 820#.tl Fi'a<'3V s'Y%.i<<'.h the EijeT
~t<'.iTl<:iii 31 ::'t ~: i t1~3a nit y iasà ~:, at least in ~'?i1i'tõ i i31 a iA4~'i' r'.~:l(~,liiir a uri;~;IiiE'ii3 ;: t r? sr:l.i ~:i OR ?3`:=;:h,. .ai:i:,., :e.4., wireless ..gI3<3l received by dw hog dm'E:.t'. 804. and/or oiha;i.
..>. regards do session between the card 806 and the 0.t : flow is`:.if3 :_iii]\;.i+.,. :s ...iZ:' :?Lrsl?IEi:l4il<ilaE? session 820k and i~1C
Ii<31SiiCia43i tiC ~s?Ã?? ?r;ii, I` i.:~~~c z{:~S
20 to a financial ii1;it.iti:ii:AC.11 Illay pL-`R.'S''C?::,:lfii.:`. a 'e;.a"Li 806 T`te:!:i 'ti.4E:f' :i4's:= i;?plaLa?:i;13"t., Web pages, and/or other i?ie%'i11,tliisri h i,?:3sÃXp:1:es.? iTi t:.;.Me:.. I..'.ik For example, ta1L; $e'2Ih:ii1 808 :i3lflj%
t"%EiI..T.I).iE a provisioning :eq?..E;s{' i i At c,:..d 806 ;idi:Wi.~?_t?g <3ti is3t i:i~:+~ daw.. Th, =}.iii}lt?CC:i P i e: >i:inti.ittU F.'#2G
pi`i'wi3>i3.i;i3.#-`,I7 Fvi:a.i:d'4s:: to a foS."ni compatible with the cs.tTd ;'y{)(;, ji; i'E-spt)?3ti:: e.o <3i: least .
:?tw . `=t~ 3~ti tp` ' 812 ~.i''c$3~sI3~.i1~~ i~1 if1C~.s,:=iie2C?~.
23'i1t:=tj?+.=:i` EizU 4Z'iiS a = ~ ~, ~i~i '~.`~ l+ 2 Sii.:(t:`.< .3 :..:?i 4is9n~ the pIYZ1;?co't translation 818. P-if.?T to fl3t.= ie#"1"t3EFE<zE :';...cEiE>334 a f.(:iY3I3:i?cil- 808 'e'i3Fiy Silb3i1t a :xc`-zil:aGE1i?Y t~i<E ik i3 0 to iiio card , iiii ;.t':i iB?.ai.ie.o in seniml 8203. hi d3:i5 C'isL, ille card 806 ATiit`J
:iiiG::E3l1$y a d=lice5fr.f,,il:i:fLEm of the i#: :ii device 80-4: present .is~.4'i.'C=iai<'.d data to ffif` iF. i=i' thr<:3?.i fh d3E'= l?S?se i:Et.Z E+.;, 804, :'si3 ziJ.id Ci-t. ;ii,.?nz3?..i3'1-: to <.ht'.= wi`i.1l.al 808 i:#:siilg the protocol F.F>i?.:'l<aETc?zi 818.
.;" <3t E?i E$IT:i~j a f . i\c =i'.i 9 . is a Dow ciw2i tfliiSfF'$t.ttig- an C%?S:i3i7.ple io:i:t?d +
Y.=nt iets ...<3 .scii;1imi s,'Swrii l.i:ti;=hidlia4; <3:i1. Fi11:f?l1gC:<Flt C=u:d. In ge#'Ei.:i'iiQ :n tt>fr_`.HiA;,:'.i-,t 5::a.Ad i'ee:y :.:iC'Liz~ one or i-K3-c i.3cUbc3djil pl'=:3ci,stiC. V
response i:(;= ft3:: `?i:in)111y, a . ;i3 ;.
S zL 31:i+:E% :k-ji323y f)f the steps in Ã}1fF laC>wLh;'m. :3E!).Z' i<3`Ci pl:iE:'c s;#:Iu.3.{3C'.+?isaj' ai'ti/CjF' in different orders as shown. :3y:iÃC .=FFI
WLE t?i lstw=FF"d 20i# meFy use mmf-Et?.`..:: Zi'.ii.z3. additional s.tp:+, fC:we{' Ãops, and/or 611t`,:'C'3.Ã https, so li:`ng eF.S the 3.i3t i~ Ã`= > :c.'C?izzC{~:E7 appropriate.
:S'it'`.=.?ioEa E~ t! be{. i.FA, at step {1()? L~l2CtE= a EC'.q.3E zà to :RE;{F2%zFEL a :>"cEilyc3C;iiC3i i ifF'i:E
:eLa tZ ~.C .:;: C:r F:Ex,~~#.E .; the user Fx3{iy tr.le i agFis~Ctl eIE:.~F:I~~Ekà F{~~~.>:~i~~ ~~zE Z:1,,:;~: Ã.i~4.
up CR..E. ~ i ; i>l a F .1C?F?ilL hi3::it dev34C', 11.0 d:E) FICEURE 1. It` :EF-1 account c{s'.e:E!='i-3:IaoE1: is i ~~904, <'3 7 to g , i;ÃE.;, <:.:
t#'i:`...,.,>_.:a <.. ~.~i`,i:1..3 ilii.tt ;~i:`.~ Ã~?CFl ~'F.I step ~. .1Ã
i), a 'L;C~EI~-:'iE t.i. .t. ÃlF6 c.t ~:~C>:'t#FÃ ,t?
~ a ~. . . . < t.; ~ t .
~i>:.. .3LC..:>Fat ,.~ i3"~3:E3wF iÃÃ8C~ ~~? Ã{Ii~t.i2i=ia, fF1a:Fit{Ã?C?t EesEF:Fw ci`i1iAt ei ~Ci .>
:i 3:c hai; Y s.i tS.i~. c~AE7;is CaC'iiÃ:C'.: ~'C?I' C:,l':3333~:slC>, I~3f',`, transaction card 11 ~~4. i,? I`..Crt:.
?3?c y `:, ;., e.e, s Ã#'c.Fti:i3'{#Ã an act;vall3t?i3 3`C:=C:EÃivsL to the lf]sE:EÃuI.E?EA 106 EFSFIIi. t.3:C: +'ollEda:' :';?d>.`. .:"i:oiw si?;;s ~~ the ,:3"ix~ll?C: l2C)st device I E{sEL If an account a s.{:Ela.IAa?Ea is not ,'.F'ai.hd ~ ii, .ÃitE? execution proceeds 1.o doCiSzo:iCEl step 90S. IÃ card :Fc1xvc.?::fafF'k is :3C?E
ends. If`c;ii3'd :{+`.;Ã3:%<Iff''.`,Il is 'llli;~ILÃds:.d, then o.:Z<-c..:iC3ii proceeds i: i:f? ~iCw.`Ãi..: , tit+'.~>'11f3. If an ,3CÃli'i{Ãi<)I? C?C~l is not F:ItieEf:4.~<~,, Ã:;vF'4 aE sE+`.~? z~~ ~_ one or :,zl?ke ,>:`c T 'otõx's{F"ri#YE<'.tf q3.lLtifiS)31:a are presented ;<l E;2e user using d.4?. GUI C?: ei{C: hi+_Es:
.< ~
E~.i`:"~t:~'. 3?.i......FA:Yir Si? ti'1C'~ iilit%c C.':~:3:ETl~ll::., d~"EC`
E3'allSiFCiÃii)?"z l.ifl'>:~ 1~2 Inc y.1.e.:fity .C1Ci3.i~Z%
stt red qi3~~,s:#:,i3s,:i3:Ffi pxBswF;.1~ the qfi'SÃ:ft?1lS to the tfNE>:E' 1.Es.txi, Et.Fc.. GL+1 3 tI of 0:w n'kE?~)?li.:
d..va.c;~ ., K) AÃ aÃoY; Zi F4 lC;<.fzlly-5tE`,F't`d answers to ibe ~?E'C;~A.E?Y3:i3F~.2 ~Ftiv:~LFC?1~ zE:F'e idi.n).(l .:?. i<E;,uurt;.3:i34 to decisional sÃLp 91% i.?8:{3. c`2nli'Et1oTI
vs.)d:' is i;.,l?{1E_c~~, di;-,`.IF
~~CS~ "s ~i=~
:`...~o:;il{~.E?F~` i.i~?~+.:L~~iti to L~t:C.s>>it1:1l :itt.'~:) C ~ ~.~ i. If the i~E:iF1%~{j:.C)ae+.'E) ~E' is nil.:ili.~3y E'IFEiow-i`y i?tw :smT*%E; .i#. sÃÃ3 3918, a Y'eE:J3:#E,sl I+i3' the tFi.Ã:E'4'aEÃis:,Fi code is pi'es<F:FC.e.: 1:. the liaC%F' G{.J] ofl.hC' Y31*?b3.e1' t3t?5Ã df.=vce., ti"1'Ehi: initial example, the EFi3:{FseFcÃ.().E c.iiiEa ``. i. 2...c:y p3.wf`.i3i a I'cTdS:SÃ fC>E an activation code Litt<'.b as c.
string of Qh.lruE:iCF';i ÃC? Fre'.
25 CitiL`Y il3t. ZYiil 11.1 i?Ã, ftw I31+:'~.~1lC' l3C1ti( dC;L'z6,E; 111 3s the c.<;E .'d1.t.E .t code is not .:nwCed by ?'ht c3C<-.`~#", dleIF at step 920, EhE` Fa :FF1 i'eEC ifE?I2 S:::FPd t';%Fd'(.'=lE:=s .>3 i i.E'EFI'f5f,3"~It's cY the S:;i ~.l.' {i:~Ãl? tL?l'.~iizE~lZ~cT~4 ..~'~ the host C~o4'RC~C..
. > i ' the .~.: .1vCFÃFi>fe ~:. c~.~.L` ?.i;il.{1~., ~ ~ u>..
, ~..
f.n U~L ~=Li..1a,.t QNa3~nip.C'. the Urc.lait'L:Ã1(?FI F=iFrd 112 m::iy 17i3.i3sF".F3.it a FoqF.Ez:."A ÃR? ffi:: i.FF.~<EF'kt:Ai z zn"{i...3.#i:`. .`asim -tbe coll{iia ~,C3Y'C' F7.i:;twC3iK. 202. In tlth.-F
ust:, eliC ?C)i:a:01i :`EÃ:orE'{{
:}is sii.:i` a.#Z;: code is 1.dmA.RS d at step 921 If the li?+ sFllS' storE:=C3 mEÃ.ChC.E+ Ãli(%
;
~?.i"i~~.3.>t?+.: ....i.`i37Fz{Ã.?C1n at decisional sÃ(.z3 924., thC'i] at SÃ::'.p 9'26. thti. is tE:~:i: f,icx.. .. v.{' 1~m.c.?I 3iL=, ti'1's:; ÃF'aI3s<cÃ,F'i.)11 card 112 2 may in 3 ;:is Fat to cF: .<:iFsi. a :aseF" oii3: i>.3g ii x:l<)tawAliPi1 <1ct?1"c}t}LDT.1 code thIY)EIgi1 tl1 c.
(.3U3 I I I . - fl:t':= provided 3n=<3 i<3 oi? : ot:s 3:}t>t. 3T3 }#<,Ci 1AF% lf:>C':illy til:C?;"ed li;tff;}'I23E$Its1?, ta3Ã:=Ti 4!Cs;:4i:4t\1.<i ends.
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:i3'EE~:}?'F+t#'!' 10%") is t~C? > s:a? ,ti S~L?F~: i:~Li' t%F~'.L~vs.~lt}~`, ~.+ +1~ a ~)Ilit<Il#t~' of C3iffB.`.'G~II~ a1i3e2~f1C.:i`s.'tf F.F?s'lEttlllt?1?:i.
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.}#3t.ludt...:r ii.iv}: f.oi"dC',.i?d<Fi:, 1002i},=c and ?a:+soa.}r}te<t 5e+.uF'iEZ' imz)1C wt:k;~ ~f=iii'?wG
separated by i<:?k;zai.;':ii bc?rnt-e3'S 1010-'c. b";. 2kddWi3f.l, the sot:3:i"t.'= FF"Eee 1C3ry #. +iT <a,f'.=.li:id:=s 1i? i:i3a:5 e': ::?f:i,L,?..i .iids 1004 and. a i31a;:ti,: :ieC'CF~ty fr<`2.i?-1f3wtsF'k 1008. E;e3::ti user 4,ede11firT?s 1002 <3hbl?v1w'=d :i different user i}s`.C.t`LF#1te:l;Id`C?r I:i2tifittJ.iAt>F?.. :'c?i' ti.c3bai wsz'.F"
Ã'iedi..?taai ;302 ?s F?y4#g"33ed or :3thu# w15e associated '43<f$A? a seGL}I'#E4' 1006, r.i:}w se,: Y j, j' 1006 Il-1i3y bc a x?e3yiFl(:Tlt $pF3l1ce).tiod."^, '.:necÃFit.`C3 by 'i:tlE' #.i3wffi.:L'>i> o:}i'~~ in response to at iC.'cia a selection `l1a a user c.ICC:f?:?1;.. For C'.'xa})"lj:liQ'`.., the #J ;it'.LY3$ity~ ....x,?.Ea.'Zt'i3#'k- 1006 may Ã.?:L'i;?"lf% Lra11:iaCt #C)Tls in ta~=t;:i?.i'l' tiii-t w1ti: a 42!c<.,I;fca 1'i?r1},a:i: , t'i>?i>L=~3~ s nc#`yptii?3:i, fl}2.iVo#' other f.}..pCCsi;i of 2}ti tftth<1I'.ii.zft3oI? #et3.ct'.m. fin: st1T.}).t`:
the :iC%Utl!"1Ã:y ft"'i}tI?e1=vt?1k 100(i iatl :+t.FbhiFFTiEt.illy prevent EF-fFfEftE?.C1i'}z(:L3 4}cvC: '; ..: ,.}s~.:i t;iedt;:}3.t#cFls. F<)a f;Ye3:Ii';,{?lE% each security $#<Z;}3'Ft'ScC.>tk ::+.406 i3.14}i' contain lY10itna?Ai<: keys $31;3:. p#"ov#di''.= .13r{4=3:f .ilt levels iDf ilL..(.5s'.
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:Z.t? ;3"<3.i31cw>>?'ii. 1006 >2"F':~y Men be t.O:i3h4s}d}'C.'.d to be iEt:<C%k=s;,3i?le :?ci:E?EdiXeg to p:FTiIC%I.iha>
:?c; lli:y% _,,. i e#, M sii#no 2F7?~?~:~;?"?t 32ii}~AQF"li, tt3c sei:.?.I#"#tV f3'}3i3'1ew't3{ k:i 10015 .a.,it .#.}+. 3:ili<'.
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i~t~' :1#1~: l.008 .::s , .,.~ .A?ls.~i i:=?3;i~4=f3tfii 1'-i ' t~1.:.' T-I1<3Stf~1' security }I:.Ã#'??:.`4ti~?A.\ s::?:Fy i'x?d.)s:'= i?}.rt#1i:i3.l ix)1tiI:l:F3o.i?:+ to s::C3l'C: or update }Itit`;2' L'Y"(.i)f7.FAls 1E302 wf>d a.<o<-cf~.xi'd rS ` 3~:~` o.><3i``. S.F'~~i ~{)~:~D. ~ i?i' i Si3#Fl~ FE <d'Ã"'~<}t:E~)2;
t)i' a f2t:F~L kf`.~% '~R`ii!3iF't a set..e;:;~-`y' f':<3$?.,i" A: [:t 1 ;-06 ?na~' be protected by thE'. #23:iSiS'}' fri}.I21e43='L?f'k 's root \e , Tile bil#"F1i,'`.I"s fi.01.0 Inay, p~z:1w-aw security L..oa ii:iTFs bC:twC`.(;n tliL
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F11cx ~i':?w c:i?6:3.z:a 1002 and iht-`. G<?XXvSp,)l:if,i.;g sE'i E1F'#$;4' hu#ixfi.wi31k 1006 upon "_i ~;'i!;21~?.. I:::> : of a ti..iY:sia`~:1t5I~x. I#? C32i7 Illl`pJit f31s:Elii~tIC>II , t~a.. #:F3.~E',~ StiE:#1^+. E:'lai~~ 'e'z3.i~' ;~.u'#~~~%.+~z ..
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tS'p3 .",3.y s,Z:iLh b<:tt?'f;[m d1f'.::3"eF2t FItiE.S' accounts based, at lwi;'i: in pctFt. _i3:i t?ffl`cIeiAi I x I'S;gci2'fan to adding additional user FEi%i:E?EFnE:i, a user I'.r.`>ia4 manually ;t:, ,i ' ic:~2~:. ~~ 1 f~ ,~~ :'. ' . v:,i.b. ~.::.E ,: ~ using &i. GLA of a host dE:vIE,C%. I;3 s.'.i3'EE:
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tc'E%hI'#i logy of O1E'= host i.u t'= Y acE'=.
..t.?URE 11 #;a a DC?w E:he:in illustrating an vxiaE).il<.SL i3'E=s:Iho6:1 1100 $E?I' U.yF3,.F3.3FE?E3i y switching :?t.'~tZ=vc.t;=I3 Ll;:i:i' i1CC'.i)t.i?1t5. Ill f:_femr:az, iF## #I'itE'HtgQ'#IÃ card .I3:I<a4%
r ::pIa3i`.?,.i,;:a3: y .::v1iC:i, between :3 plurality of selectable t#:ii:I
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lh1J.i)Y'E:izt orders as S4':itt`:m 100'o3' ; 2= iw,i> >.~v0 3T1iF`y' Y3s., F':i.:il?E?i;5 :=i'2:$li additional steps, ft6v 4#. ~ c'.pS,. ,fE'`d':;F different si:E ps. ",'z> )ng <3;:l_ic T.3etizt?d;; rem{iit7 appropriate.
20 T.3.., iI#edwi? 1100 begins at step 1102 whl;IX'.' oln t;i'E'ikf: is :dr:.3,#Fl:',d. Ft?F' ex.3313..,<:., it, .<I'>1nJ:iti;t#i?23 LFi:t-d 112iTf 1'L(YU;R.t. 3 iXlciy determine Uhat is?.tt. F>I' I:i.;Fc .J$`Fi-ii:-ac311,w :a?, be.m .ip d ated: .i?E~~4t ~-1~ ID, ~>liE~:?z~~ ~:I:~i~~t3hE'~~-, ;~I~'~C:<:>E;Ea~'E.s~, E~t?AE~A
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25 r>3:1,r .>E t.:,....,.if.t: :a:#i e31::e1'p3'1SG; type of [i3'i.~i~tl'I L, goods 'r.eF.tE>#' seaZ=IoC'.h ZF`st`, ol giii3d;1 aY:ia?,o. <tnd'm- E?ffiE'=3" csp('.S.tS, At step 1 304, ti'#'.; currently skiE'.ti,d Ei>t:=I 3ccE3i3:i).
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+:a:F'Ci 112 #.[?3:Y' be t.ip4y.FdC.k:d to a;Y=..,5õuie a w'i33ivi svstL`=I23 using #31t3.:t#plf FFrr:;<<#FTl'`~?lt:' thc f:f':;#'FSitC I#(>;:
;:=ti#;i? t ;'. : >cy i?.s;,.,`.:idGC< Z3'ta3j(?T' c3til-aTpIe, the V ?~~C
ti :F)3<3:F1 F;?k'.F3:F 'F2~ iS'1t~ F3-a .".~S through a .4?iL3 43 or Z1a., tF ;:ir#:t#1ecE3l?Ie. IF3 l3ti.t1i:1C3T1 to tip~v.,Ittd123g :1w Cr,i'e'd 112, :? :Fi~ti33~. r;:, ?.-3<>~nr C:Fs:~tiv#1t.i1lS i3"t;3.;' bC: ~'>.<<dC'd ,:o the FI?Ã'mC?ry. IIF this case, dhx. .' '~...+,,'<3c.tiC3$?
C::,.ta . ;.,. :A<3i scli,L'-64'eli' switch bC:$wS',.,#q the d#llb#;e3a$
liSel' <aE'C'C.Fctli.<3ls ba<>4d, <.t: ls,{3sE
in put, 'O;i Wm user ti. li.,ctFC? J, vL'e:etS, 2kFld/C31 other aspects.
i`3<v.U'RE 7 is a flow t:liiE=1 #llF`0+tr:.t?Y3g an example i.i34theRi 701?
R>> <..#l+i#[?.;t31%:3:llir ~?i?J ~ ,ii=,.`= T r> i?Y? #:mi'iu?aou C'<^.2=t3 I.F3 'E sit7f'qFaS.% W, <3. I4a5i: #IIsCi'i#.C?.Fi into a iFSS:it C344'.?l'~. ~, lA>
;m8 I .a, iazi ?:3FC1 A;C;?':lk l:aai may E>xi.`.':,EFfU 0110 01' F1E;.F't <i.FF~~'ti lt?Lit(dt3F' p:-o'cõ_d.C3i'C::a P.S'FC?#' to!
'A:<1:F3L- of ti)-o ,y.t.`=p; in U114 f:ob4't.:h:#:Il may take pl<2::e ..#:F3"BEF1F.F}.li:=:2EFs14 <3.i>Et%<:?r ,~
in ?" ~ ..~.t..;;' .' ii (i F.CS ~.i:i as S~1t. \ #2 > ~'S~,4'StF_''.:i3"F 1}.
~t;t C? ~= Syti~('..':'t1 ,.,<~v a,T 3.# ~- ~n" `tl~ .~' ~~' t>?C'.t~3C?U.. ~`
~.~%FE.3^
~ ..a v~i.,.
'.dti. ,io.,..; a t`,.?S, ?<:w8: 5tep;^, and/or dif0fe31t citCp\, ;',i) loElgi3." 'tiFS: :>C. d-:?C$5 #C:F'1u1.Fi :$}?P?3.t:3; 3i:_i3::,:"=, i.
;.'.i:'liIxt?d 700 bC;glIls at ;i#Lp W;' ;ClE:Ft: F.?z:>f.-FtiCiF'F. into a :.lvsi dL\ ,~a ?s d4tC:c,:IC'.'+.l.
For ': e`iwi13 t.., t.:`i transaction card 1,1<`'.. I31-ay detect insertion :.e3ES3 the #:tobIk' t'C.vice :
If <3ut.7ii=:i?.#..ai'iC3#': 1s not required ft%i' tiF'y '!.5peGE of ttI:G
i.i?ECõlhõC`a?i card at a1i'.:: iSSei n<?a :,,Zi'p .~04, t..,i'.?: eFadti, If required FF;I' <!t f5;ist i?OL'= aspect, d`e<',n t~;3Lt..w.i.`i: a3o;.Si=:Ocds io decisional StL?p 706 If ::s;3#TafAiLt#F#L,.-ttEC?#.i w?:i:F i,w iiS:3SE dv'iet?C
1: 3:?Z..?t?(iZ'; i3;" =I3L)'e e-m#'a9 fl u#2. i3: qc.p =%()ci'~s, :1 failure is F2dtc<:t(:d t:? ...:iE_ user. In :liC.`=
i'Si:ti`i1;33C zait: i.3a. J<3cui?n C:and 112 32tS' pFe.'~wIIt an 3tlC?k:Ff.3<?.3 e.3f:F t?F?i?F?'t'sa?Et :3~i1?fl i::t-t?F' ii:> i.;::v F#;: :, t,Sthe i SU :I1 i. R ?2 i'4~3I3:i3:Fli?nT(:<lti<t#' c:~at. ,. is not detected #:i~a Cit c Fs?<#>IiEit StC p 70.= ,.hõA3 exixlitFt?i p'E3ieed; lt; decisional step 710, IZ'i s<3#'.i3:i? i1'A 3<:#'F3.;YEEF;i#C?d3: ;
the :L:td> gv#':L C'i3.Fd i.z>it?afx.. an SD d$.F`?C;.3= 3:> the host dC':dt:". If le hIi.dhgau cFa1=Ci L>NS'' 25 3't,`=quk "x 1115 :3a 37F~~3(?2~l~it::t 331, then C:tf:C:lFL3l?1 pI'ote`v'ed,.~ to C~C: .\FZ3;~<f3 sEb:? .' ~ 2, If <t.he F3i t~v+,. e 3 .?.~.3tL`=:i3~#..,.i~.F;3;~ Hig is 7FC3t set $.C? +-311 EFIc:., at ti(E'.p 714, i:>lc <?;zt.+F'f1Y?ee ;s E?.i;F1C>d on and t,Ec? :im..,.:.F#Cc ,F>t card is i?p(la?e'd N4'#1h l1E?SadLA:%u s1gItLFtE#:t'v. As fo&. Ã?tc% :';S.<3F21pic: flaw tF'i3a_se.ct..o:., t=>.!?:'d 112 3TisF)` <IC,d1'M<: tF: blm<'.31F]i3 for wr.mlvSS transactions and Fdpdi?t~`=
1t:3 ÃIaL S.FST3F3tE3'C: If the network <iFf:~iv3.m:L:3':Ft?F Ha4;; is ?Y3C? ci:;L' L1'' ;E% turned on cii doc?:#?C)Fi.d, step 711 LEAt%#:F., at sEUl? r 1f', the t#"tEo-flEY;['..F;.t 6:.Fok iT"<Fl5F-?;u" a F'i:ZAlae<,.t .?' the 3'le:=twC?#'k 11) to t.ilE.'~ host device. lqCxt. <3i SÃfi.:l; 718. ccFC`t, :i=,T?~.! H.= .a aC~ e3ii J .i~C? 'C'i~ 33%,,.4v'f?Y'ii ID. If i:3(: stored Fi.~EZA'C3'> y: ID and i~3C= :"i;t~FF..~s`.
31e=~~ii?`ii >> >` t>:1t.:h, at decisional step 720, tt?41'i the dFSk I;i 2'aC:tFv'sEtid sit r? .14. fl` liie ;t:wo ao,`i'ir. \11)"ido not iY3::itt;l1, then the an.tei4n<3 is deactivated iFl: step 722.
Re:taxT.F7Fag to dE'ciSio#1<7l step 710tf the :Ftli~li=XIE~L<f~ar:s'e'f is F?C)2 .^=.FE ;` pE3,i, ,--,z?cal then e:l'e:.;1Il31?.ii pfYlciLdS Ec., decisional step -.724. If ::fFC'=
<aEEE:>it..F2.f.cii$.iE1IF
=33'53.....ss :,,e,.ades d>`='s'f4L ~.tYtht:,#2tTi,:i3.Fl?Y;, then, i3.E step 726, the aF3I<ll1goffn card :#.<lI)sFl?.it;i tTqil ?si :o.i' a 3:isw~.~4L't?A'k I~`.+ to I fi:: hl:t>. <$<.\='SGi.. A#.
step ry4:.'8, tho F;.FE0liM:%1:,t cii,i':^
,. t 'e ~~ E:1;~lF E i)ks , a t< i. .~. t_.i i'3:FatE:4 ih'. .~.. t:?i' 3dit[.~t,4'Tf .F.t card -r`~ does llt.si at least . F
>F ~.3 t.
txi`s`.e . g i.iari, then i..ieilF:1aC)Ti proceeds .fs iiZ'.t::iyit71.i3l ~,,1ip 734, aF du~ rnEeffig(-A.t card w.:<. or 122.?:F'e dc.'V1ct: SFglatttlf'G:?, then C::tecl1lFf:i3 proceeds t:o tat.cis:FC3ni1i ;i:0p ,.. 732, F: one of d.t 1:.Et.od>.L tiFE;.1atF3,C'3 3:i2:Ftt:=.1C'.;i the request network lfl. thi:;az CxE;eii$1t1F1 ;-9ii.'.:v#.is.1 to dC?cE5lo3:Fal StC'.p 734. If M<. :i#i?Y3z?WF'0s a:?t~
th'`. request nC ,two:k- I~..~ d:0 iiC2E
F.'?at >-t. ;1heF> kt;Clit?i?:ti pIo>.'Led,B to step 772 fE?Y' df.;F=vtiviftfo!i:F. If user <3,:Eh4 :3:]cati<:3F? is zat?: s;add.M1 :.;=i in :.hi', <a.3'ihfi;.i1t1cÃ3iiJ21 process, then t'.x4.;t:titi<3ii proceeds to de...sE. #.1i2.1 Siep, 732 1t`a ~~ .~sk:i3;. EFi.tMi3ite<).ll.i!.I3-. If USe!' authentication 1,, ;sa;..i:..dE<i> at <h.:6,ac?z3a; sis;p 734, i:i3:>;:F pi'i?cE,t-t'as to step 738.
RL.i.ii:l3:i?g t<o, decisional ;iWp 7,.,=1 if d:l(; F3t3thi.'.FIt;.L+aiFUSF
~.:)Ft3t.v"s does not F[3c.W.de dci'ic,., ih;:i3 t-~Y.c'.e;F1tAt}3 proceeds tC? E3LC1;3Fi:i3Ld 5if~p 736, If :3sC`i' :i:t3iba;)::i::F.`.Foi.F i.:? not iIFC.EE3.dL:d in ehe process, tht. ~m Fi:E
5.o~.,` 722, r.hCa FY~~ plF~s ~Fi cilii is f:fiTTicd i=fE .,f E.St.#. .:i1:it33eT.FtiGFadi?.i3 i:+ i310lF.tded. Eht.i3;
at step 738; c.hE= .::>;?'i'a m, i'L2q?:1.N,.: a ?.':N 3?w.iiF3r:.,'; fi"e>i24 the EFSti1' E8:Si1:t~; the ;'it.)M f?<:\'.ti:', ~~M<3:FFe it'.u~ ri).Fn: to tl"Ei:`
vaS.<;P u Fi'=,. the i3'i3t3s<i[ i-3t)31 ci3pd 112 :T.iab' present a ietFEFv:iE fCiF' li3.L u4:'.'.r Et: C'.3:(at 1" .`;. ~~IN.
i:AEt`uw;,F t x GUI I 11. At sl:ul? 7-,J'ii, the 3:i3it,llT,?eFIE card ft.t...<'ve4 a lo;'zr iy-sEt.sF"t'CI. PI N` .
;f the ;-c..s,;i.sà PIN E3Y3d 41t>fi-.A PIN il"!r`2i::'li at decisional SFC:p 742, E.h; n c 5,i.::nutiC3n a3E',`,..i,.iaZ to decisional step 712 for p}Fy;rkti'1 siR#daEnt3l?c`3.df?F;..
If the rs;tzcEa...S; T'I'`t iFFt~t the !:`= 5 i.t)i..a, PIN do ;1:` t ii).Mi:.i3 at decisional 8E3a? 742, d'ki:..E3 exLC.i:it3o.F iiiE?i;<'t->:% W G <r:iSFoi3Fai sWp 7:0 ?f d3e i3ta3;i;3sr,?' of attempts l3xiv=s; not exceeded a sposftf:.s.:d e..h.,i'Sh:;ld, dFC"F"E
i'.xccu3,oa, SC:tiF_t'.t1s Ãi? stwp 738, If Li".c 21't1I?*f.i' of <atEGI3'yi4 has E xc4,~+i to :?.o ffia ti the ;_, az;.;AFFa r, deactivated at step 721 FIGURE 8 :i3 i1Fi v<Yii3,:a3p1C call fb:rti' 800 fFa i3.lL.oE'd::11.F:e Z6fl?
s<ifi'li`=
'30 of 1he present ialSL?li?:iF.fF"'. As fflEFSt'<2tZ'.f.:, tt)f:. floc3, \:`:r ii:F+.3E:iiL::^ i;
n:'i3E o..\ ~-',02, <3. IF . ~i i~G~ ~~ L= K4, :i:n i311efligt,33;: card .~.~0t;. El:[3<3 a :C E FT:F;.n<el.. :3()K The hoA
:ac:~,-.,o. :: 4 is c^.I1;1w13F:ei`~. to communicate W11ti the il4'Eo--i3,k 802 and ii"csEad:':, a slot ft3>-::.3seti +3,:F t,fi?lir 3:,I:oi(3.S:,,i1 Os.i3d ;iO& nw iilEdhgmU C%i?:['Ct 806 is ciSntty;.t,.<'E3 F+,F"=zsz811hE
~.~3f3133?zFi} >:i i;? and ;'C'.Oi'F..V;', daw fI'+:)d"#7 a Z:is`v'1 IF]F<',1'f#ZC:C`. <3pplFi'F1.tIoIl 810 '~4i'EiI3`.d by 01E:
host d-uv:i:u~ 810 and Z:xi,+.:ikic'. 13"<2.FZ.wFIi[it?l:is independent of tiZe host dovZ.'.e \>.:s. `I'liC% card '06 .I3cJmJ <l CPU 8~2 ft?#' executing transactions i3#1d 3 -`IZ%E#+.4;is +.ÃZEpSC'l 8~4 tE?A
with ?`fie fen-ns:r:ial 808. The CPU 812 executes a host <,ontr.?Iac:d;':W.Ã
;i 1:#i_i<3f.c.Q:; .} 16 ::t?Y;nAgu3'ed Ic, ii':3#3s#Tl.itti Ci?fZ'i}'[Z.<iFidS It-i a f{'sF"i:3 i'ofliÃfa-EbblL Zi'.ilÃ2 ti34 jfE:3SE
dev>cQ 8,,04 LtFZi- Z ::#? vfi3ri (l%Iw fil`iTi the host dG:??i:e 8(),1, to s a :':C?i'ti. {w:?Il:ip:ttdbi(:= -,it%Fth Eat'?e.
Cr'T? S 12.
A. Me flow 8013 :~lay iirc,-Ãz_FcÃe ;:izaltip;c 820, Ã_?o.,. .m t .,> host t.:va Li: 8.. 906 '3:~Ã7Sõi'~i'E',G:.F the 806 and . a.C E `i'F31TFZ:i:z 8E~8. ~" ;3 ;e<a i :}:?ia ~.aL ` v;Z,ifi and 3`' card . aL
20,a ifl't2tit#-m::s a $C'sSii331 managed by O-w +;c3#'li 806 Ei5F1i:: ...~=
>kewo#'ÃC
A.Aie host device 810. .Ãf1 U}.iS t:XaFIipA`w'> tlZ vc'}F'd :`s)#.`
:I'ai..::>if t:i <`'ao:l:i zm-:<d'.ifis#tf:~: f. ?# i.PZ:F'~?i3~;:k? a iei~li' ffl~.$1ti.C?.I'ii: 0 a()lZfZ<:t:l~ .L2 to the host ~~.~.?'e~~~. 8?<-?, and <:F~f.:'=}' l F t t ~~~~ ~:I*EF:;itiZ:1E;? .i~"~ F ~ ` ~ t `~~
l=cL Z ?3.:; `= ~:r~` tZ.i~:iZ <i F3. $Yi]i 31t.st ÃL"4` I;<a a3 ~i~~,i C. : : :iZf'a~~> i:. {>.:..
?; t `R?t`.s.: eo .(,t,.;Fv#-F2g data f3'C>i.Z lh.. #if%$w(>e~, 8532, taZe h:;q >t'E Zc4 804 fZ'fi3:r m`r.F3Ilitil.Ff diC= wa,ivt?d di3l:a to the card 806. I:.3 sCZ#Zi A
::}?.~:F3FS.FZ.I;:Eti+2 ~~f4 {`Fif+:a 806 t;~ iiiZFZtiFZ.1x: e1 i'ezai.fk,41: for a i:ÃEv?i;(>
:aF4?;F1F3EllFc to :hG: host dE.k`fco as .:ii:i:>i:Faut`..'i F#i smii(li'i 8204 For .:k'tZ:FZ1plZ=,, the card 806 n3iFy 1'vqil::.5. tF':.t: Es't'?4'fcv tLt33fZ,#, a bootstrapping pf'oLesS. The SC'.;:52:)n 820c iMi5uwt?s O10.I a user nZ#iy si . 4\~i#Lai'cFnda ii:3 the card 806 ih3t?i.}gh ttZG ifZ.lndw:= of O:iE' I3.: n ;k4'3'=e 801 F1)F-2? ~ i3t`~i 3 => 11.v ?.l:>C'.' fl'}:%y request that diE' disk kh`ipI?Z', the user's .oZ1mznt}:ti3 Ã1Fm 3}'y .`=,"lii i.}\, 'Zw= .'#cL-` of the host de\='il'0 804.
zz> .>+.dilZe M<` (:MA 806 2Z18.y k'i:C;E`F.Z%i:= a cC;#'e:2i>aTZd to c.
.,F\'F3ti' or i.Ãc~<3c.:}y:i.:i: .x.e <iIP#i.`,#?Ii's'i dif'ZZl3bh i:}3e host device 804 as ill,:t:>F.c..ev ... :i:.`=s..1: I1 820v. For a t3[3:.i3teFi.1l institution may identify FF7"e`fiflFi' tf<.f:s:F,.f#>i.i:i 3i3<i :n.EF3::r1F:Z.ii :i.
~J "<?~Y '.i3~i. i:. 3}~~t3 ~~1E if l i'l?#~ Ji~2 ~tf? i~C'i.:Ui#viiEC:
f~ilt~ card 8~~'~. z.~iC: card 8~;:; If3:;4' 3Yi lm?,..'e= `.', user by i`eqili".'sEZ:i;y a PIN 4;ti}fig d:ii.'~ host i3t(.~,#6:,L: 804. As kiii.ilE7<}.f"i:Ã #i' .
sm,<2t?;3 Ss`SZ.> M. .isL:" :>lr.#y stkb:i31Z:1 a PIN to the card 8436 E
sIrqg the i,i.::d:.4..o of the ItC'tst dk Oca. :'s'. ,.,d3d `r.~. i'eZai?L?FaSc:= to an <'.:<i3.1:iFZdiZ11 of EE'9,fi; ulti?#ltftIf'.:Ã tIN, di;~- card 806 fZ'};3S' p?'a.G',,.. , iwi& the tZt?St device 804 i:dl i1zd?cI3tAC>l; tia33;: the 3:-,,i::F ,.,ixFi'#iiioSi kS
:2v Svm.e`4.iW m hiE,> }`4fl:d, IFI some ZIT3pli::lns tZ.Eri::E+1#lti., a (FSl'1' ilnLa C}.Y. fi?3iZSoc:.il 6FZti(uEdt.Zil:iZ
:. .I. ~,L-.`,`oioiZ c~'.?si;E. :"i?A
't of ~~15: card <iir . i:#aLs: i.i transaction l1i Sti?#~ 8f.:~`, uS Zl.Ã1lJ,ia~v ix:
il.;?L:1i~l 1#Zti?1#.id~~:i`t~ iI.ixF~% i:['fti'I.S%121t <'i'. request :C?f' $33.4 ;':cit2.~<:~:~:it31i !k?`~~:t?f.~, t;:''~ti3"l >.a`... .> f;..A .
802 L+;3Ii"ie:.ii=d tL: thL'. host dvv1Gt:. 8ft4s ::F"e:d x. A'i:spC?,is:=
i:CZ at ..::i5z 1F?
.. jY.
:i-x t1hi, L ii'a 806 t?3<3.j% ti'ii3'i5tm1t t:?C' td'a:04iii:F.ii311 hty f'sB'Z% EE: E.;f rii3:iT.ici:.El ,:ix fi:.,.i<>n EiS:iTif' diw ar`i'Y.'=L>?'k 802 connected to the host device 804. Iit s;?2~;.o ffii' tlse' :?.:ly present fSffliS:ti= WE'b pa,E s :,tortd card 806 <':t:>
iiiti.#a:..i3i`.:d a.: s.;5,,?<3:i3 820. 1'oi' l.'xc'333ipl<:,, ?llk card t~'.'~E)6 .?7%Ey receive :v..~.it to p>'G:,icet <?n U,i:: z3<t+?i? ~7's3: 3 the it5~i 0S1Ii~ $~'li~= ~l<)s. <lCL'ic= i`t?4 tiF'id_1 ~r1.~.4;:i3e t.~~t. t.ea~.:Y?z' p: w.> .6,` ' l.:f'. i.iRI. 3.i1 E? te #f`qi.TG+Ji: Ii St,iliL
2TIlj5~~i'1Lv:i~3i?t;1~, data stored :ii'E fthe 3m:`?F:.+ õ . a :i.ii;` card 806 'a"1c3y be presented thi.oi: .ght fC;I' example, the ::o5't dc'.viGc. 8-04 :i:i iib:is#..<..-:d ii? G.=tihli?:il 820.i:, Ft?a' example, the ns::=r ma4 is`(iEw,sz sp:.Jfflt. :ikmn~iitiC?:i a5: .,:.,<d?c.> a ia':'_"i3:ctICZ.r+3 on a c,.',IiaFI'i 4i#1i:Ã thf'. card Si,t3 :}E<Sv ~:i..lvZ= = I~ d%Ei:`s.E
;?#id s.d:~.... i vfi3 t iS ~;?'i.~3.t~~ ii.a:3i' i:i:+&1:;~~ the lZC+sE
device 8~~4. .iIi o,:~t3i:it?Ãi, i.~~:: 1iai.'3' f1:~:Z' -wõiL u>Ut to the Ti3m3'3eii} in Me k=ud 8{)6 as illli.'iE3'E3tt'd1n oF.'.55.i>t. FE?.
2Yt.y iSpd:itf data l'I%ii'ii an cim2<?mh?ii, ctni:1 f3B E'L;spo as.: ~o at lE'i3.i2a. the i'w,jii<:5i, ?... card 806 #i1ay adicaff:. whether the i:ijleit4= was a s'FitL.;~~~ or :%i3.EF?rv. I'la;
! Lit'C;(}
ciU tr n j ill~~ ~~<~.i~. ~ , ili.xt e~i,ii~tx +.if the cis~_r e may be C~.
. ~.. ~ ~., 829m ~=r~~ii=xtttÃ~:, i=zi '.~ ..... i3:1;g f.tL`is õ 804. For t;:!CaiTVIi=, Mi S<.:sMo#3 820#.tl Fi'a<'3V s'Y%.i<<'.h the EijeT
~t<'.iTl<:iii 31 ::'t ~: i t1~3a nit y iasà ~:, at least in ~'?i1i'tõ i i31 a iA4~'i' r'.~:l(~,liiir a uri;~;IiiE'ii3 ;: t r? sr:l.i ~:i OR ?3`:=;:h,. .ai:i:,., :e.4., wireless ..gI3<3l received by dw hog dm'E:.t'. 804. and/or oiha;i.
..>. regards do session between the card 806 and the 0.t : flow is`:.if3 :_iii]\;.i+.,. :s ...iZ:' :?Lrsl?IEi:l4il<ilaE? session 820k and i~1C
Ii<31SiiCia43i tiC ~s?Ã?? ?r;ii, I` i.:~~~c z{:~S
20 to a financial ii1;it.iti:ii:AC.11 Illay pL-`R.'S''C?::,:lfii.:`. a 'e;.a"Li 806 T`te:!:i 'ti.4E:f' :i4's:= i;?plaLa?:i;13"t., Web pages, and/or other i?ie%'i11,tliisri h i,?:3sÃXp:1:es.? iTi t:.;.Me:.. I..'.ik For example, ta1L; $e'2Ih:ii1 808 :i3lflj%
t"%EiI..T.I).iE a provisioning :eq?..E;s{' i i At c,:..d 806 ;idi:Wi.~?_t?g <3ti is3t i:i~:+~ daw.. Th, =}.iii}lt?CC:i P i e: >i:inti.ittU F.'#2G
pi`i'wi3>i3.i;i3.#-`,I7 Fvi:a.i:d'4s:: to a foS."ni compatible with the cs.tTd ;'y{)(;, ji; i'E-spt)?3ti:: e.o <3i: least .
:?tw . `=t~ 3~ti tp` ' 812 ~.i''c$3~sI3~.i1~~ i~1 if1C~.s,:=iie2C?~.
23'i1t:=tj?+.=:i` EizU 4Z'iiS a = ~ ~, ~i~i '~.`~ l+ 2 Sii.:(t:`.< .3 :..:?i 4is9n~ the pIYZ1;?co't translation 818. P-if.?T to fl3t.= ie#"1"t3EFE<zE :';...cEiE>334 a f.(:iY3I3:i?cil- 808 'e'i3Fiy Silb3i1t a :xc`-zil:aGE1i?Y t~i<E ik i3 0 to iiio card , iiii ;.t':i iB?.ai.ie.o in seniml 8203. hi d3:i5 C'isL, ille card 806 ATiit`J
:iiiG::E3l1$y a d=lice5fr.f,,il:i:fLEm of the i#: :ii device 80-4: present .is~.4'i.'C=iai<'.d data to ffif` iF. i=i' thr<:3?.i fh d3E'= l?S?se i:Et.Z E+.;, 804, :'si3 ziJ.id Ci-t. ;ii,.?nz3?..i3'1-: to <.ht'.= wi`i.1l.al 808 i:#:siilg the protocol F.F>i?.:'l<aETc?zi 818.
.;" <3t E?i E$IT:i~j a f . i\c =i'.i 9 . is a Dow ciw2i tfliiSfF'$t.ttig- an C%?S:i3i7.ple io:i:t?d +
Y.=nt iets ...<3 .scii;1imi s,'Swrii l.i:ti;=hidlia4; <3:i1. Fi11:f?l1gC:<Flt C=u:d. In ge#'Ei.:i'iiQ :n tt>fr_`.HiA;,:'.i-,t 5::a.Ad i'ee:y :.:iC'Liz~ one or i-K3-c i.3cUbc3djil pl'=:3ci,stiC. V
response i:(;= ft3:: `?i:in)111y, a . ;i3 ;.
S zL 31:i+:E% :k-ji323y f)f the steps in Ã}1fF laC>wLh;'m. :3E!).Z' i<3`Ci pl:iE:'c s;#:Iu.3.{3C'.+?isaj' ai'ti/CjF' in different orders as shown. :3y:iÃC .=FFI
WLE t?i lstw=FF"d 20i# meFy use mmf-Et?.`..:: Zi'.ii.z3. additional s.tp:+, fC:we{' Ãops, and/or 611t`,:'C'3.Ã https, so li:`ng eF.S the 3.i3t i~ Ã`= > :c.'C?izzC{~:E7 appropriate.
:S'it'`.=.?ioEa E~ t! be{. i.FA, at step {1()? L~l2CtE= a EC'.q.3E zà to :RE;{F2%zFEL a :>"cEilyc3C;iiC3i i ifF'i:E
:eLa tZ ~.C .:;: C:r F:Ex,~~#.E .; the user Fx3{iy tr.le i agFis~Ctl eIE:.~F:I~~Ekà F{~~~.>:~i~~ ~~zE Z:1,,:;~: Ã.i~4.
up CR..E. ~ i ; i>l a F .1C?F?ilL hi3::it dev34C', 11.0 d:E) FICEURE 1. It` :EF-1 account c{s'.e:E!='i-3:IaoE1: is i ~~904, <'3 7 to g , i;ÃE.;, <:.:
t#'i:`...,.,>_.:a <.. ~.~i`,i:1..3 ilii.tt ;~i:`.~ Ã~?CFl ~'F.I step ~. .1Ã
i), a 'L;C~EI~-:'iE t.i. .t. ÃlF6 c.t ~:~C>:'t#FÃ ,t?
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~i>:.. .3LC..:>Fat ,.~ i3"~3:E3wF iÃÃ8C~ ~~? Ã{Ii~t.i2i=ia, fF1a:Fit{Ã?C?t EesEF:Fw ci`i1iAt ei ~Ci .>
:i 3:c hai; Y s.i tS.i~. c~AE7;is CaC'iiÃ:C'.: ~'C?I' C:,l':3333~:slC>, I~3f',`, transaction card 11 ~~4. i,? I`..Crt:.
?3?c y `:, ;., e.e, s Ã#'c.Fti:i3'{#Ã an act;vall3t?i3 3`C:=C:EÃivsL to the lf]sE:EÃuI.E?EA 106 EFSFIIi. t.3:C: +'ollEda:' :';?d>.`. .:"i:oiw si?;;s ~~ the ,:3"ix~ll?C: l2C)st device I E{sEL If an account a s.{:Ela.IAa?Ea is not ,'.F'ai.hd ~ ii, .ÃitE? execution proceeds 1.o doCiSzo:iCEl step 90S. IÃ card :Fc1xvc.?::fafF'k is :3C?E
ends. If`c;ii3'd :{+`.;Ã3:%<Iff''.`,Il is 'llli;~ILÃds:.d, then o.:Z<-c..:iC3ii proceeds i: i:f? ~iCw.`Ãi..: , tit+'.~>'11f3. If an ,3CÃli'i{Ãi<)I? C?C~l is not F:ItieEf:4.~<~,, Ã:;vF'4 aE sE+`.~? z~~ ~_ one or :,zl?ke ,>:`c T 'otõx's{F"ri#YE<'.tf q3.lLtifiS)31:a are presented ;<l E;2e user using d.4?. GUI C?: ei{C: hi+_Es:
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stt red qi3~~,s:#:,i3s,:i3:Ffi pxBswF;.1~ the qfi'SÃ:ft?1lS to the tfNE>:E' 1.Es.txi, Et.Fc.. GL+1 3 tI of 0:w n'kE?~)?li.:
d..va.c;~ ., K) AÃ aÃoY; Zi F4 lC;<.fzlly-5tE`,F't`d answers to ibe ~?E'C;~A.E?Y3:i3F~.2 ~Ftiv:~LFC?1~ zE:F'e idi.n).(l .:?. i<E;,uurt;.3:i34 to decisional sÃLp 91% i.?8:{3. c`2nli'Et1oTI
vs.)d:' is i;.,l?{1E_c~~, di;-,`.IF
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:`...~o:;il{~.E?F~` i.i~?~+.:L~~iti to L~t:C.s>>it1:1l :itt.'~:) C ~ ~.~ i. If the i~E:iF1%~{j:.C)ae+.'E) ~E' is nil.:ili.~3y E'IFEiow-i`y i?tw :smT*%E; .i#. sÃÃ3 3918, a Y'eE:J3:#E,sl I+i3' the tFi.Ã:E'4'aEÃis:,Fi code is pi'es<F:FC.e.: 1:. the liaC%F' G{.J] ofl.hC' Y31*?b3.e1' t3t?5Ã df.=vce., ti"1'Ehi: initial example, the EFi3:{FseFcÃ.().E c.iiiEa ``. i. 2...c:y p3.wf`.i3i a I'cTdS:SÃ fC>E an activation code Litt<'.b as c.
string of Qh.lruE:iCF';i ÃC? Fre'.
25 CitiL`Y il3t. ZYiil 11.1 i?Ã, ftw I31+:'~.~1lC' l3C1ti( dC;L'z6,E; 111 3s the c.<;E .'d1.t.E .t code is not .:nwCed by ?'ht c3C<-.`~#", dleIF at step 920, EhE` Fa :FF1 i'eEC ifE?I2 S:::FPd t';%Fd'(.'=lE:=s .>3 i i.E'EFI'f5f,3"~It's cY the S:;i ~.l.' {i:~Ãl? tL?l'.~iizE~lZ~cT~4 ..~'~ the host C~o4'RC~C..
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f.n U~L ~=Li..1a,.t QNa3~nip.C'. the Urc.lait'L:Ã1(?FI F=iFrd 112 m::iy 17i3.i3sF".F3.it a FoqF.Ez:."A ÃR? ffi:: i.FF.~<EF'kt:Ai z zn"{i...3.#i:`. .`asim -tbe coll{iia ~,C3Y'C' F7.i:;twC3iK. 202. In tlth.-F
ust:, eliC ?C)i:a:01i :`EÃ:orE'{{
:}is sii.:i` a.#Z;: code is 1.dmA.RS d at step 921 If the li?+ sFllS' storE:=C3 mEÃ.ChC.E+ Ãli(%
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~?.i"i~~.3.>t?+.: ....i.`i37Fz{Ã.?C1n at decisional sÃ(.z3 924., thC'i] at SÃ::'.p 9'26. thti. is tE:~:i: f,icx.. .. v.{' 1~m.c.?I 3iL=, ti'1's:; ÃF'aI3s<cÃ,F'i.)11 card 112 2 may in 3 ;:is Fat to cF: .<:iFsi. a :aseF" oii3: i>.3g ii x:l<)tawAliPi1 <1ct?1"c}t}LDT.1 code thIY)EIgi1 tl1 c.
(.3U3 I I I . - fl:t':= provided 3n=<3 i<3 oi? : ot:s 3:}t>t. 3T3 }#<,Ci 1AF% lf:>C':illy til:C?;"ed li;tff;}'I23E$Its1?, ta3Ã:=Ti 4!Cs;:4i:4t\1.<i ends.
. 1000 10 i.4~CFAiT'i:}~:e`.', example ~itGi.i#~ii 3:>tT?1t:"s#~' 1(~v~~ ?n a}L;;c43i<F3A3vS'" with S.>on2<' of Eilt, p.'L-`SL:#:it dF5<;l(?S}`ere. In geA1vF'-=a."',. 'iiFE;~ 5<i,}?:i'<?
:i3'EE~:}?'F+t#'!' 10%") is t~C? > s:a? ,ti S~L?F~: i:~Li' t%F~'.L~vs.~lt}~`, ~.+ +1~ a ~)Ilit<Il#t~' of C3iffB.`.'G~II~ a1i3e2~f1C.:i`s.'tf F.F?s'lEttlllt?1?:i.
33f i.;,aun credential i?'.ic`L' be F?.S;it)+.=it}l.ed "R%ttl] a tEff.i;',."C?t.f tF.:ci' <3it;; i#.i3: ÃE g..
;}`ii?'.iEC account). In tEIU 1l.?.isti:13:t;1 l.i?:F~1~C #11i I?EF3ft?tl, t.ile 5c::'.n<. ai34f1t:4'j' 100";
.}#3t.ludt...:r ii.iv}: f.oi"dC',.i?d<Fi:, 1002i},=c and ?a:+soa.}r}te<t 5e+.uF'iEZ' imz)1C wt:k;~ ~f=iii'?wG
separated by i<:?k;zai.;':ii bc?rnt-e3'S 1010-'c. b";. 2kddWi3f.l, the sot:3:i"t.'= FF"Eee 1C3ry #. +iT <a,f'.=.li:id:=s 1i? i:i3a:5 e': ::?f:i,L,?..i .iids 1004 and. a i31a;:ti,: :ieC'CF~ty fr<`2.i?-1f3wtsF'k 1008. E;e3::ti user 4,ede11firT?s 1002 <3hbl?v1w'=d :i different user i}s`.C.t`LF#1te:l;Id`C?r I:i2tifittJ.iAt>F?.. :'c?i' ti.c3bai wsz'.F"
Ã'iedi..?taai ;302 ?s F?y4#g"33ed or :3thu# w15e associated '43<f$A? a seGL}I'#E4' 1006, r.i:}w se,: Y j, j' 1006 Il-1i3y bc a x?e3yiFl(:Tlt $pF3l1ce).tiod."^, '.:necÃFit.`C3 by 'i:tlE' #.i3wffi.:L'>i> o:}i'~~ in response to at iC.'cia a selection `l1a a user c.ICC:f?:?1;.. For C'.'xa})"lj:liQ'`.., the #J ;it'.LY3$ity~ ....x,?.Ea.'Zt'i3#'k- 1006 may Ã.?:L'i;?"lf% Lra11:iaCt #C)Tls in ta~=t;:i?.i'l' tiii-t w1ti: a 42!c<.,I;fca 1'i?r1},a:i: , t'i>?i>L=~3~ s nc#`yptii?3:i, fl}2.iVo#' other f.}..pCCsi;i of 2}ti tftth<1I'.ii.zft3oI? #et3.ct'.m. fin: st1T.}).t`:
the :iC%Utl!"1Ã:y ft"'i}tI?e1=vt?1k 100(i iatl :+t.FbhiFFTiEt.illy prevent EF-fFfEftE?.C1i'}z(:L3 4}cvC: '; ..: ,.}s~.:i t;iedt;:}3.t#cFls. F<)a f;Ye3:Ii';,{?lE% each security $#<Z;}3'Ft'ScC.>tk ::+.406 i3.14}i' contain lY10itna?Ai<: keys $31;3:. p#"ov#di''.= .13r{4=3:f .ilt levels iDf ilL..(.5s'.
E.<3:ch app:F::afi+1i: Z=, it1Fi'e: t:E?C
:Z.t? ;3"<3.i31cw>>?'ii. 1006 >2"F':~y Men be t.O:i3h4s}d}'C.'.d to be iEt:<C%k=s;,3i?le :?ci:E?EdiXeg to p:FTiIC%I.iha>
:?c; lli:y% _,,. i e#, M sii#no 2F7?~?~:~;?"?t 32ii}~AQF"li, tt3c sei:.?.I#"#tV f3'}3i3'1ew't3{ k:i 10015 .a.,it .#.}+. 3:ili<'.
:31faei~E.'i?i ve.:+li>.i?:i of a pi3Y`#:i?m ipl)],}C:iiF3o.? fo;' a typC of fi'Eli..lcI2i~ n:f?.i'in3?CF#.t 1+'i?c." s:`.n?w` ke~?i?~C'.]?if il~iitlVal . ti"Fe sC'=i:Ã#.}'ity f#":1}1.4;ti'or!i 1006 Ffriy bC identified Id:>3}1y;
c %i~~ I' :z::i Ã?}#- i .'_D.
i~t~' :1#1~: l.008 .::s , .,.~ .A?ls.~i i:=?3;i~4=f3tfii 1'-i ' t~1.:.' T-I1<3Stf~1' security }I:.Ã#'??:.`4ti~?A.\ s::?:Fy i'x?d.)s:'= i?}.rt#1i:i3.l ix)1tiI:l:F3o.i?:+ to s::C3l'C: or update }Itit`;2' L'Y"(.i)f7.FAls 1E302 wf>d a.<o<-cf~.xi'd rS ` 3~:~` o.><3i``. S.F'~~i ~{)~:~D. ~ i?i' i Si3#Fl~ FE <d'Ã"'~<}t:E~)2;
t)i' a f2t:F~L kf`.~% '~R`ii!3iF't a set..e;:;~-`y' f':<3$?.,i" A: [:t 1 ;-06 ?na~' be protected by thE'. #23:iSiS'}' fri}.I21e43='L?f'k 's root \e , Tile bil#"F1i,'`.I"s fi.01.0 Inay, p~z:1w-aw security L..oa ii:iTFs bC:twC`.(;n tliL
+~A~~.i'?#ti}x~ sE:aoci:iblt: user <'.e.<3<',13ii<zfti :.,o :302 <?il2 ,`as,.oE.3:}tLd firE3S?-wLzrf3i'k. 1006. For cxik 3.1p.E,, a fiI.>..BA, zf8l 3z?st.iai:^:?F? #I'ti3.)' access :?\e,` 10E32 and associated security :7 :}iFc('\=i'C3ak 1006 lbY" ei #:Fk:IIF`c:}f:.fed .:s~, s.it.::`=o:.#.i :stn `:~t<;' 33s:.` ti}3b m??3.l's.iUF= p3"E;:C,(:mvd f3'f)n? <`'1:.cS.;i;atvY ÃIw: <.mC1C'.1uE:z)s 1002 ts::=CL}i'?i4 z!'.F#nOwCli:k W.36 fC?P different AI.Ãi-<tI;O::O
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tl3e Ai ti'.lfi4TLnE i<a#'d C' r' ETci?3 :iE~IE?#1 c:a:F'd 13.:'3 C:`I:
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EY}Tt.<.l,iaci..y sLvlt:,b bE'.['vF~ :_?1 .ISE.'~I' E:=T'i'dE+ItIaFlS 1002 and 5+::t'.~Ed3"d?y {t':il:il ewE?ak's :.F06 in i'i~s'pL#:Ist . ` .i`>. an Lwu:.:ie.. For i'RiE TlpiG, the Id3i4ll1gea"'it card F21 tt% ,w1Ã+ h tt?
F11cx ~i':?w c:i?6:3.z:a 1002 and iht-`. G<?XXvSp,)l:if,i.;g sE'i E1F'#$;4' hu#ixfi.wi31k 1006 upon "_i ~;'i!;21~?.. I:::> : of a ti..iY:sia`~:1t5I~x. I#? C32i7 Illl`pJit f31s:Elii~tIC>II , t~a.. #:F3.~E',~ StiE:#1^+. E:'lai~~ 'e'z3.i~' ;~.u'#~~~%.+~z ..
I:i:i;~.ic#efst.,.afi<3l:a 11002 and ;il',E;.3sity f.s:iI71GZ%sh`Et';".ks 1006 III ecbÃtoi13w Ã+.= ;a sE,.xa:t:FiC?A. from i:#>i~3 i:ti'i? u ; .E?Y e5.:132ipIL', LI3.i:~ GUI IH of I'IGUR.e`: 1. The #ntE'HiiFLn: card fl':ia\
tS'p3 .",3.y s,Z:iLh b<:tt?'f;[m d1f'.::3"eF2t FItiE.S' accounts based, at lwi;'i: in pctFt. _i3:i t?ffl`cIeiAi I x I'S;gci2'fan to adding additional user FEi%i:E?EFnE:i, a user I'.r.`>ia4 manually ;t:, ,i ' ic:~2~:. ~~ 1 f~ ,~~ :'. ' . v:,i.b. ~.::.E ,: ~ using &i. GLA of a host dE:vIE,C%. I;3 s.'.i3'EE:
FF23~`~.'Ia"?Z I.I~:iE?E?#t~, the 3Ydea:?:o2 Z 1000#amL' '3` updated OTA using dlc:, cellular net23Ã?
tc'E%hI'#i logy of O1E'= host i.u t'= Y acE'=.
..t.?URE 11 #;a a DC?w E:he:in illustrating an vxiaE).il<.SL i3'E=s:Iho6:1 1100 $E?I' U.yF3,.F3.3FE?E3i y switching :?t.'~tZ=vc.t;=I3 Ll;:i:i' i1CC'.i)t.i?1t5. Ill f:_femr:az, iF## #I'itE'HtgQ'#IÃ card .I3:I<a4%
r ::pIa3i`.?,.i,;:a3: y .::v1iC:i, between :3 plurality of selectable t#:ii:I
.:;,'eE:s,,;.i?.>.azs .i>,f..f associated.
siaca`iaEZ: I.i#e#.:.wE?rr.#: in I`eSpFy.ISt:" to I31 least an eZ~'u#2., m?E113' of tA...: h E`ps #'e'n, this flE7sbLhi#':'?. Y3.i.3y +<3kE'. place :aEIX?=:1lt<inf',oiAd)' iilYd{E3Y in.
lh1J.i)Y'E:izt orders as S4':itt`:m 100'o3' ; 2= iw,i> >.~v0 3T1iF`y' Y3s., F':i.:il?E?i;5 :=i'2:$li additional steps, ft6v 4#. ~ c'.pS,. ,fE'`d':;F different si:E ps. ",'z> )ng <3;:l_ic T.3etizt?d;; rem{iit7 appropriate.
20 T.3.., iI#edwi? 1100 begins at step 1102 whl;IX'.' oln t;i'E'ikf: is :dr:.3,#Fl:',d. Ft?F' ex.3313..,<:., it, .<I'>1nJ:iti;t#i?23 LFi:t-d 112iTf 1'L(YU;R.t. 3 iXlciy determine Uhat is?.tt. F>I' I:i.;Fc .J$`Fi-ii:-ac311,w :a?, be.m .ip d ated: .i?E~~4t ~-1~ ID, ~>liE~:?z~~ ~:I:~i~~t3hE'~~-, ;~I~'~C:<:>E;Ea~'E.s~, E~t?AE~A
i` i=i23.i.1. j In sr;#3:#t. ,;`13pim21S. . 1U1:iE)IIS. the C`.Z'EJI?. may :33t;l1idE.` ktful)JA`-t='.3'i~.? E?#aE% or A?iC?E't?
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a#:p>><.i.s c`. ..`. ..ai3s:lE:dE)ai or pi?tE;IlEI#3l i31):i34i3E~IE)II. For example, Itic t3:<3.I2si<iGiiE)i? ,.c.Ii:Ã .i A..
25 r>3:1,r .>E t.:,....,.if.t: :a:#i e31::e1'p3'1SG; type of [i3'i.~i~tl'I L, goods 'r.eF.tE>#' seaZ=IoC'.h ZF`st`, ol giii3d;1 aY:ia?,o. <tnd'm- E?ffiE'=3" csp('.S.tS, At step 1 304, ti'#'.; currently skiE'.ti,d Ei>t:=I 3ccE3i3:i).
ihE`. C L<1233p t, t ~1~ fi'#iI~S:.Fi.IIt>Fl ''.:~.iif~. 1~..=.'.. 23'icio taC2t=.'#?"#Il;t :~t~:.`. C:tI~3' `I)~~~.Z%
St:sE.~i.~, i ....a. ~=~S.~i=Il~ltii3 and security if il34 meI' :ii..,ci'.li.T:2 are ;iw:FMhf'.d :it df;=.>a:.?.>i.l ,5op I WL?, thE 7.:i.j Mcp 1110% ME' 1.I3idb`tmli card dZ'e2<aI3t3::=a3ly mvIE4.hE's Eh's:
;i:i i i3i e 'Zfly ,.;.?i c-ia::d ilw1" account to ci diffC:m#I.t iI-`IE;T
<2ci~~t>I:t.m b,a~ieEd, iFt:E'#is: i1.I p<iF"t, ;?n the 3E3e33t.ia?d event. A:õa1#? in d 3 f : LXiimpl5,, tt1c tI'ia.#IsufiE)FI card 1 i2 i33 tZ
aZ~Av:.i . : +efi>I3 :I :ic }1Ib I ?'#~i' of :~i'.l4s fEi~7li user sii~=f?t2~2t8 1s<l ti:E3; at hL<3 st #1: ?aii, ))f t>:a:.?
:g TI3t`.ie wveÃ>ts. ,\tx., f3. step 11 10, a Ã"C.qtk?SE to i:=tie,~:=E1E<:
is .f,.;c.'.i:vit.E. ft?#' EE"A
~:X<3,,?p.:'.; .:a. ?.:i;I 5f:9b;tYi?f, card 3 32 may ia:i3't.:cdi TF.
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Claims (29)
1. A card, comprising:
an physical interface that connects to a port of a mobile host device, wherein the mobile host device includes a Graphical User Interface (GUI);
an communication module that wirelessly receives Radio Frequency (RF) signals from and transmits RF signals to an access terminal;
secure memory that stores a plurality of selectable user credentials, wherein the user credentials execute transactions with access terminals and each are associated with different institutions;
a user-interface module that presents and receives information through the GUI
of the mobile host device; and a transaction module that dynamically switches between the plurality of selectable user credentials in response to at least an event and wirelessly transmits to the access terminal a response to a requested transaction including user credentials selected from the plurality of selectable user credentials.
an physical interface that connects to a port of a mobile host device, wherein the mobile host device includes a Graphical User Interface (GUI);
an communication module that wirelessly receives Radio Frequency (RF) signals from and transmits RF signals to an access terminal;
secure memory that stores a plurality of selectable user credentials, wherein the user credentials execute transactions with access terminals and each are associated with different institutions;
a user-interface module that presents and receives information through the GUI
of the mobile host device; and a transaction module that dynamically switches between the plurality of selectable user credentials in response to at least an event and wirelessly transmits to the access terminal a response to a requested transaction including user credentials selected from the plurality of selectable user credentials.
2. The card of claim 1, wherein the physical interface comprises at least one of a SecureDigital (SD) interface, a miniSD interface, a microSD
interface, a MMC interface, a miniMMC, a microMMC, a firewire or a apple iDock interface, or a Universal Serial Bus (USB) interface.
interface, a MMC interface, a miniMMC, a microMMC, a firewire or a apple iDock interface, or a Universal Serial Bus (USB) interface.
3. The card of claim 1, wherein the communication module executes the transaction independent of the mobile host device.
4. The card of claim 1 , wherein the memory stores a plurality of security frameworks for the plurality of user credentials, the communication module executes the requested transaction using a security framework from the plurality of security frameworks corresponding to the selected user credentials.
5. The card of claim 1 , wherein the one or more events includes a user selecting a graphical element presented through the GUI of the mobile host device.
6. The card of claim 1, wherein the user-interface module presents information associated with the requested transaction through the GUI of the mobile host device.
7. The card of claim 6, wherein 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.
8. The of claim 6, 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.
9. The 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 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.
11. The 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.
12. The card of claim 1, further comprising a cryptographic module that decrypts received signals prior to processing by the transaction module and encrypts at least part of the transaction response prior to wireless transmission.
13. The 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.
14. The card of claim 1, further comprising a bootstrap module that executes one or more authentication processes in response to at least insertion in the port of the mobile host device.
15. The card of claim 14, wherein the one or more authentication processes authenticates at least one of a network, a mobile host device, or a user.
16. The card of claim 1, further comprising an activation module that activates access to user credentials from the plurality of selectable user credentials and transmits to an associated financial institution a request to activate an associated user account.
17. The card of claim 16, wherein access to user credentials from the plurality of selectable user credentials is activated based, at least in part, on a user manually entering an activation code using the GUI of the mobile host device.
18. The card of claim 1, wherein the user of the mobile host device manages different user accounts associated with the plurality of selectable user credentials using the GUI.
19. The card of claim 1, the communication module further configured to receive requests to update the plurality of selectable user credentials through a wireless connection with a cellular core network or a wired connection with a broadband network.
20. The card of claim 19, the communication module further configured to at least add new sets of user credentials or delete existing user credentials based, at least in part, on the update requests.
21. The card of claim 1, wherein the plurality of selectable user credentials include a default user credentials, the communication module further configured to switch to the default user credentials in response to at least completing the requested transaction using a different one of the plurality of selectable user credentials.
22. The card of claim 1, wherein the plurality of selectable user credentials include a default user credentials, the security module further configured to switch to a default user credentials in response to at least expiration of a period of time to complete a transaction using non-default user credentials.
23. The card of claim 1, wherein the plurality of selectable credentials are each loaded into the secure memory from a different institution.
24. The card of claim 1, wherein the card comprises a microSD card.
25. A method, comprising:
connecting to a port of a mobile host device, wherein the mobile host device includes a GUI;
wirelessly communicating RF signals with an access terminal;
storing a plurality of selectable user credentials, wherein the user credentials execute transactions with access terminals and each is associated with a different institution;
presenting information through the GUI of the mobile host device; and dynamically switching between the plurality of selectable user credentials in response to at least an event; and wirelessly transmitting to the access terminal a response to a requested transaction including user credentials selected from the plurality of selectable user credentials.
connecting to a port of a mobile host device, wherein the mobile host device includes a GUI;
wirelessly communicating RF signals with an access terminal;
storing a plurality of selectable user credentials, wherein the user credentials execute transactions with access terminals and each is associated with a different institution;
presenting information through the GUI of the mobile host device; and dynamically switching between the plurality of selectable user credentials in response to at least an event; and wirelessly transmitting to the access terminal a response to a requested transaction including user credentials selected from the plurality of selectable user credentials.
26. The method of claim 1 , wherein the port comprises at least one of an SD interface, a miniSD interface, a microSD interface, a MMC interface, a miniMMC, a microMMC, a firewire or a apple iDock interface, or a USB interface.
27. The method of claim 1, wherein the requested transaction is executed independent of the mobile host device.
28. The method of claim 1, further storing a plurality of security frameworks for the plurality of user credentials, the transaction is executed using a security framework from the plurality of secupty frameworks corresponding to the selected user credentials.
29. A system, comprising:
a means for connecting to a port of a mobile host device, wherein the mobile host device includes a Graphical User Interface GUI, a means for wirelessly communicating RF signals with an access terminal;
a means for storing a plurality of selectable user credentials, wherein the user credentials execute transactions with access terminals and each is associated with a different institution, a means for presenting information through the GUI of the mobile host device, and a means for dynamically switching between the plurality of selectable user credentials in response to at least an event; and a means for wirelessly transmitting to the access terminal a response to a requested transaction including user credentials selected from the plurality of selectable user credentials.
a means for connecting to a port of a mobile host device, wherein the mobile host device includes a Graphical User Interface GUI, a means for wirelessly communicating RF signals with an access terminal;
a means for storing a plurality of selectable user credentials, wherein the user credentials execute transactions with access terminals and each is associated with a different institution, a means for presenting information through the GUI of the mobile host device, and a means for dynamically switching between the plurality of selectable user credentials in response to at least an event; and a means for wirelessly transmitting to the access terminal a response to a requested transaction including user credentials selected from the plurality of selectable user credentials.
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CA2698891A Active CA2698891C (en) | 2007-09-12 | 2008-09-11 | Selectively switching antennas of transaction cards |
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CA2699456A Abandoned CA2699456A1 (en) | 2007-09-12 | 2008-09-12 | Receiving broadcast signals using intelligent covers for mobile devices |
CA2699448A Abandoned CA2699448A1 (en) | 2007-09-12 | 2008-09-12 | Wirelessly accessing broadband services using intelligent covers |
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