Systems and methods for transferring resource access from a sender to a recipient are disclosed that can allow a sender to specify an amount of a resource to provide access to (e.g., an amount of money or an amount of access rights), while still providing security for the sender's sensitive credential information (e.g., PAN and/or PIN). These systems and methods can allow a sender to transfer resource access from any location and at any time of the day. In the case of money transfers, the recipient can quickly and directly obtain the money from any ATM location associated with any bank and at any time of the day, even without a bank account.

One 16 digits smart card shaped like a regular bank card in length and width with chip and swiping abilities which is divided into several different separate sectors. e.g. bank cards, credit cards, cash transactions, medical insurance usage and other personal documentation of information that are all stored on one smart card. This smart card is configured to hold financial information, general information, and documentation of a variety of various categories of different documents on its database. All parts can be accessible by one four-digit secret security code to ensure the safety of the card's information.

An IC chip, an information processing apparatus, system, method, and program are provided. An IC chip includes an authentication control unit configured to authenticate a request using authentication information. The request and/or the authentication information is received from outside the IC chip.

Provided is a method for optimising memory writing in a device implementing a cryptography module and a client module calling functions implemented by the cryptography module. The device includes a random access memory including a first memory zone that is secured and dedicated to the cryptography module and a second memory zone dedicated to the client module. When the client module calls a series of functions implemented by the cryptography module including a first function and at least one second function, with each second function executed following the first function or from a further second function and providing a runtime result added to a runtime result of the preceding series function, each runtime result is added to a value contained in a buffer memory allocated in the first memory. The buffer memory value is copied to the second memory zone following the execution of the last function of the series.

Systems and methods for transferring resource access from a sender to a recipient are disclosed that can allow a sender to specify an amount of a resource to provide access to (e.g., an amount of money or an amount of access rights), while still providing security for the sender's sensitive credential information (e.g., PAN and/or PIN). These systems and methods can allow a sender to transfer resource access from any location and at any time of the day. In the case of money transfers, the recipient can quickly and directly obtain the money from any ATM location associated with any bank and at any time of the day, even without a bank account.

Provided is an information processing apparatus including an access control unit configured to control access from an application to a common file system accessible from a plurality of applications. The access control unit in a case where contact communication is performed with respect to an external processor, controls access by using first identification information for specifying an application, the first identification information being associated with each of the plurality of applications, and in a case where contactless communication is performed via a contactless communication device capable of performing contactless communication with an external device, controls access by using second identification information for specifying an application related to contactless communication, the second identification information being associated with at least one application among the plurality of applications.

In a method for using and maintaining user data stored on a smart card, a smart card receives a user data request for the user data stored on the smart card. The smart card determines whether the user data request is a data maintenance request or a data use request. A data maintenance request is for modifying user data stored on the smart card. A data use request is for read only access to user data stored on the smart card. The smart card uses a first process to determine whether to allow the user data request when the user data request is determined to be a data maintenance request. The smart card uses a second process, different from the first method, to determine whether to allow the user data request when the user data request is determined to be a data use request.

Authenticating a secure element payment card includes transmitting a cold reset signal to the payment card and receiving an answer-to-reset message therefrom. The answer-to-reset message includes governing rules for performing a transaction, including a rule indicating that a secure data element is to be used to authenticate the payment card. The process also includes receiving payment account details for a payment account associated with the payment card. A payment authorization request message is transmitted to an interchange network and a card authentication request message is then received from the interchange network. The card authentication request message includes an encrypted instruction, which is transmitted to the secure element payment card. The secure data element is received from the payment card and a card authentication request response message is then transmitted to the interchange network. A payment authorization request response message is then received from the interchange network.

Implementations of a smart card comprising a single smart card for multiple uses which has a number of separate areas that are accessed by one code are provided.

Techniques for enabling performance of a quality control function on the contactless interface while the contactless interface is disabled are provided. The techniques include implementing, on a dual-interface payment device, one or more security mechanisms, wherein the dual-interface payment device comprises a first interface and a second interface, using the one or more security mechanisms to prevent a subset of data corresponding to the first interface from being read using the second interface while allowing data corresponding to the second interface to be read using the first interface, and personalizing the dual-interface payment device and the one or more security mechanisms according to one or more requirements of an issuer of the dual-interface payment device.