Mobile Wallet Patent Granted to DeviceFidelity

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Patent describes a Near Field Communications (NFC) based multiple account wallet implementation for mobile devices

Mobile wallet patent granted to DeviceFidelity, Inc

Consumers love the flexibility of using a portable microSD device to enable their preferred smart phone for payment and other proximity applications.

DeviceFidelity, Inc. the world’s leader in plug and play mobile payment and contactless technologies announced today, the grant of yet another patent from the US Patent and Trademark Office (USPTO). U.S. Patent No. 7,942,337, granted on May 17, 2011 describes an implementation of Near Field Communication (NFC) technology for enabling mobile devices to function like mobile wallets capable of conducting payment, access, transit and other contactless transactions using credentials issued by multiple different enterprises through Points of Sale terminals.

DeviceFidelity's solutions are already gaining worldwide acceptance and popularity as banks, wireless carriers and other application developers can deploy their NFC offerings on a wide range of smart phones today using the In2Pay microSD NFC product offerings. In Dec 2010, In2Pay microSD became the world's first NFC solution certified by Visa for commercial deployment. DeviceFidelity is active in more than 100 customer projects worldwide either directly or through its diverse ecosystem partners that include smart card makers, terminal makers, application developers, TSM platform providers, handset makers and mobile banking solution providers.

This latest patent describes a multi institution Mobile Wallet Architecture, protected by a Secure Element capable of running multiple applications, such as a smart card, to deliver a consumer centric approach to NFC transactions, enabling users to choose from multiple accounts and varying institutions to make contactless payments on their preferred mobile device. The patent also describes a security framework usable to implement stronger protection than traditional payment methods, and additional authentication mechanisms to protect NFC transactions.

A recent study projects an installed base of up to 800M NFC smart phone devices globally by end of 2014 and highlights the use of microSD as one of the three main approaches for delivering secure mobile wallet services to consumers. With the DeviceFidelity solution already supporting a vast majority of smart phones shipping today including all the iPhone models and most Blackberry and Android models, DeviceFidelity is well positioned to make a significant contribution in the realization of this high level of NFC penetration.

“Most consumers change phones often and several carry multiple phones, especially high end users who are early adopters of new technology. As shown by multiple focus groups and the results of several successful pilots conducted based on our solution, consumers love the flexibility of using a portable microSD device to enable their preferred smart phone for payment and other proximity applications", said Deepak Jain, President and CEO for DeviceFidelity. “The patent grant for a mobile wallet comes at a time where the industry is bubbling with a large momentum for such an offering and means that we are able to license the technology, generating greater availability, and meeting consumer demands immediately.”

DeviceFidelity’s mobile wallet patent builds on another patent granted in May for a plug and play external NFC accessory such as a protective case, sleeve or a dongle that enables mobile phones, tablets and laptop computers to be NFC enabled.

“As NFC gets closer to reaching the hands of consumers, excitement continues to build around NFC and mobile wallets,” says Mark Hung, Research Director Wireless at Gartner. “We see a continued push in the industry for innovative ways to quickly bring NFC to the market along with flexibility to support multiple wallet architectures and secure element ownership.”

In February 2011, DeviceFidelity also announced version 3 of the In2Pay microSD solution, that can easily support multiple NFC transaction modes including card emulation, reader and Peer to Peer transactions. This solution with its own NFC software stack on board the microSD device enables smart phone makers, tablet makers, POS makers and other device makers to accelerate the time to market for new NFC devices across multiple platforms.

Several companies have already licensed the In2Pay microSD APIs for iOS, Android, BlackBerry OS and Java, to start building mobile applications, accommodating for varying use cases with NFC transactions. The API allows for the user interface to be fully customizable and controls the performance and operation of the microSD solution.

About DeviceFidelity, Inc.

DeviceFidelity, Inc. develops plug-and-play technologies that empower a variety of institutions to deploy their services and applications on millions of mobile phones worldwide. Its patented In2Pay™ iCaisse and patent-pending In2Pay™ microSD solution transform popular mobile phones into interactive contactless transaction devices. Committed to bringing contactless innovation to the mobile phone, the company has numerous patents pending in both U.S. and international patent offices. DeviceFidelity is a private corporation with headquarters in Texas and offices in California, New York and London. For more information, visit


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