| 6973571 |
System, apparatus, and method for performing cryptographic validity services |
| Dec-6-2005 |
Embodiments of the present invention described and shown in the specification and drawings facilitate electronic authentication services for banking and other industries. Authentication services, often... |
| 6957199 |
Method, system and service for conducting authenticated business transactions |
| Oct-18-2005 |
The invention pertains to a method, online service, and system, for creating partnerships based on trust relationships over a public network, authenticating trade partners, infrastructure providers and... |
| 6873973 |
Cash dispensing automated banking machine and method |
| Mar-29-2005 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as... |
| 6853987 |
Centralized authorization and fraud-prevention system for network-based transactions |
| Feb-8-2005 |
A system and method for authorizing certain aspects of network based transactions between a customer and a merchant is disclosed. The system utilizes an account code for identifying rights to use an account... |
| 6850996 |
System and method for enabling transactions between a web server and an automated teller machine over the internet |
| Feb-1-2005 |
An automated teller machine (ATM) implements financial transactions over the Internet. The ATM includes a computer and at least one non-standard I/O device coupled to the computer. The computer of the... |
| 6839687 |
Consumer-based system and method for managing and paying electronic billing statements |
| Jan-4-2005 |
A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification... |
| 6834271 |
Apparatus for and method of secure ATM debit card and credit card payment transactions via the internet |
| Dec-21-2004 |
The present invention is directed to a combination software and/or hardware system that provides consumers and merchants with a secure method for making and accepting credit card and ATM card payments... |
| 6834270 |
Secured financial transaction system using single use codes |
| Dec-21-2004 |
A telecommunication total security system of financial transaction substantially diminishes any risk of continued illicit use of payment means. The system comprises one or more user identification codes... |
| 6805287 |
System and method for converting a stored value card to a credit card |
| Oct-19-2004 |
A method and system for converting a first transaction account device to a second transaction account device wherein a card number associated with, or defined as, a first transaction account (e.g., stored... |
| 6793135 |
Electronic payment system using multifunctional prepaid cards and method of selling prepaid cards |
| Sep-21-2004 |
There are provided an electronic payment system using a multifunctional prepaid card which is commonly used in payment for use of services and purchase of goods, and a method of selling the multifunctional... |
| 6792425 |
Secure multi database system including a client, multi database server, and database server |
| Sep-14-2004 |
A definition tool of the present invention declares columns which are concealed in external tables to a multi-database server. The multi-database server controls a decomposition and an execution of query... |
| 6748367 |
Method and system for effecting financial transactions over a public network without submission of sensitive information |
| Jun-8-2004 |
A method and system for effecting a financial transaction over a public network without the submission of sensitive information. The system comprises a common controller in data communication with at least... |
| 6721783 |
E-mailer controller for privately and securely delivering bank notices, advices and monthly statements |
| Apr-13-2004 |
An e-mailer controller which privately and securely delivers bank notices, advices and monthly statements via the Internet, other e-mail networks or the like. The e-mailer controller allows existing banking... |
| 6697816 |
System for generating industry-specific industry statistical information |
| Feb-24-2004 |
A system (10) and method is disclosed for generating and supplying industry-specific statistical information relating to use of computer systems in an industry. The system (10) comprises a data gathering... |
| 6594647 |
Real time bank-centric universal payment system |
| Jul-15-2003 |
An infrastructure for a real time bank-centric universal payment system (2) in which a central processing system (CPU) defines an electronic commerce trust system (1) formed from a plurality of financial... |
| 6529885 |
Methods and systems for carrying out directory-authenticated electronic transactions including contingency-dependent payments via secure electronic bank drafts |
| Mar-4-2003 |
Disclosed herein are computer-implemented methods and systems for securely carrying out electronic transactions including electronic drafts, wherein payment on at least one of the drafts is contingent... |
| 6523011 |
Communication system for transmitting accounting instructions |
| Feb-18-2003 |
A communication system for transmitting accounting instructions has central and decentralized devices. Accounting instructions input by individual users at the decentralized devices are checked for authenticity... |
| 6321208 |
Method and system for electronic distribution of product redemption coupons |
| Nov-20-2001 |
Provided is a method and system for the electronic distribution of product redemption coupons to remote personal computers located at users' homes. A centrally located repository, such as an online service... |
| 6128603 |
Consumer-based system and method for managing and paying electronic billing statements |
| Oct-3-2000 |
A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification... |
| 5999624 |
Remote financial transaction system |
| Dec-7-1999 |
An apparatus and method for performing remote financial transactions over an interactive network using a user operated payment module such as an initialized remote control device. The secure remote financial... |
| 5943424 |
System, method and article of manufacture for processing a plurality of transactions from a single initiation point on a multichannel, extensible, flexible architecture |
| Aug-24-1999 |
An architecture for processing a plurality of transactions from a single point of initiation is disclosed. The initiating computer selects a terminal identification token, and associates the token with... |
| 5881155 |
Security device for a semiconductor chip |
| Mar-9-1999 |
Security device for preventing access to confidential information stored in a semiconductor chip, or protected chip. The security device comprises a second semiconductor chip, or protective chip, with... |
| 5835603 |
Financial transaction system |
| Nov-10-1998 |
A home banking system comprises a video games entertainment console 10 having a processor 12, a display driver 14, connection means 16 for connection to a television set 17, and an input/output device... |
| 5818937 |
Telephone tone security device |
| Oct-6-1998 |
An encryption device. A user wishes to identify himself to a remote party, over a telephone line. The remote party provides a Transaction Number, TN, to the user. The TN is given to the encryption device.... |
| 5815577 |
Methods and apparatus for securely encrypting data in conjunction with a personal computer |
| Sep-29-1998 |
An encryption module for encrypting financial and other sensitive data may be conveniently interposed in series between a personal computer and the keyboard associated therewith. An application program... |
| 5794230 |
Method and system for creating and searching directories on a server |
| Aug-11-1998 |
In association with a computer system, a method and system for storing and locating information pertaining to a particular financial institution that supports on-line services. Information relating to... |
| 5754655 |
System for remote purchase payment and remote bill payment transactions |
| May-19-1998 |
A terminal is provided for allowing a user to conduct remote purchase payment and remote bill payment transactions with a remote host computer. In one embodiment, the terminal includes a QWERTY alphabetic... |
| 5524072 |
Methods and apparatus for data encryption and transmission |
| Jun-4-1996 |
The present invention provides methods and apparatus for the transmission of encrypted data along conventional telephone lines using various data transmission techniques, including known dual tone multi-frequency(DMTF)... |
| 5517569 |
Methods and apparatus for interfacing an encryption module with a personal computer |
| May-14-1996 |
An encryption module for encrypting financial and other sensitive data may be conveniently interposed in series between a personal computer and the keyboard associated therewith. An application program... |
| 5371797 |
Secure electronic funds transfer from telephone or unsecured terminal |
| Dec-6-1994 |
A secure electronics funds or other financial transaction system that provides substantially equivalent security to that obtained by the use of secure point of sale terminals such as automatic teller machines,... |
| 5351296 |
Financial transmission system |
| Sep-27-1994 |
A method and device for determining and securely transmitting an account code of a financial card over a communications link in a communications network to a remote location which also allows a telephone... |
| 5283829 |
System and method for paying bills electronically |
| Feb-1-1994 |
An electronic bill payment system and method include billing equipment for creating approval records and generating approval numbers for each pre-authorized subscriber. The system also includes an interactive... |
| 5220501 |
Method and system for remote delivery of retail banking services |
| Jun-15-1993 |
A practical system and method for the remote distribution of financial services (e.g., home banking and bill-paying) involves distributing portable terminals to a user base. The terminals include a multi-line... |
| 5157717 |
Portable automated teller machine |
| Oct-20-1992 |
The portable automated teller machine disclosed by the present invention is a low-cost, pocket-size data terminal which can securely exchange information with a host bank computer. It is battery powered,... |
| 5050207 |
Portable automated teller machine |
| Sep-17-1991 |
The portable automated teller machine disclosed by the present invention is a low-cost, pocket-size data terminal which can securely exchange information with a host bank computer. It is battery powered,... |
| 5025373 |
Portable personal-banking system |
| Jun-18-1991 |
A portable personal banking system comprises a host computer and at least one portable terminal among a variety of terminals including automatic teller machines and personal computers. The portable terminal... |
| 4783798 |
Encrypting transponder |
| Nov-8-1988 |
An encrypting transponder provides data security for transmissions between a terminal and a remote computer, network or terminal. The transponder provides positive user and terminal identification before... |
| 4536647 |
Pocket banking terminal, method and system |
| Aug-20-1985 |
A portable banking terminal under control of an authorized user and operating within a system of banks and retailers may be initialized for personal use under separate controls by the banks and the retailers... |
