Patent ID: 9544303
Date: 2017-01-10
CPC Classifications: G06Q,H04L

Claim:
1. A smart card device for providing wireless network and secure personal token features to a communication device, said smart card device comprising: a Network Access and Credential Verification (NACV) module for storing a plurality of transaction instrument profiles; an interface element for receiving a selection of a first transaction instrument profile from said plurality of transaction instrument profiles; a processor element in communication with said NACV module and said interface element, and transmit a second payment entity parameter stored in a second transaction instrument profile to said gateway server; wherein at least one of said first confirmation or a second confirmation includes a payment entity identifier; wherein said payment entity identifier corresponds to an entity responsible for transferring a monetary sum to a recipient of said transaction; wherein the Network Access and Credential Verification (NACV) module facilitates electronic transactions between the smart card device and a NACV server in the wireless network, the NACV module a uses a short-message peer-to-peer (SMPP) browser to present details of the transactions; wherein a Single-Wire Protocol (SWP) provides a direct interface between the NACV module and a short-range radio in the communication device, wherein the short-range radio is one of a Near Field Communication (NFC) or Bluetooth.