Patent ID: 9516017
Filing Date: 2016-12-06
CPC Classification: G06Q,H04L

Claim Text:
1. A smart card device for facilitating transactions based on a plurality of transaction instruments, said smart card device comprising: a memory element for storing a transaction instrument profile and at least one of: a network profile or an identity profile; an interface element for receiving a selection of a transaction account identifier, wherein said transaction account identifier is retrieved from said transaction instrument profile; a processor element in communication with said memory element and said interface element, wherein said processor element is configured to receive a selection of said transaction instrument profile and at least one of: said network profile or said identity profile; establish a connection between a communication device and a computing system by way of a wireless network; and facilitate a transaction using parameters stored with said transaction instrument profile and at least one of: said network profile or said identity profile; a validation element for validating a user credential, wherein said user credential is provided to an interface of said communication device in response to a credential prompt, and wherein said validation is based on said user credential and said identity credential; wherein the interface element is further configured for presenting a transaction instrument prompt at said communication device, wherein said transaction instrument prompt is in response to said validating; a sending element for sending an authorization response to said communication device processor, wherein said authorization response is constructed based on a prompt response and said transaction account credential, wherein said communication device processor sends said authorization response to said network; wherein the smart card device includes a Network Access and Credential Verification (NACV) module for facilitating electronic transactions between the smart card device and a NACV server in the wireless network; wherein the NACV module uses a short-message peer-to-peer (SMPP) browser to present details of the transactions.