| 7043451 |
Method and system for merchant processing of purchase card transactions with expanded card type acceptance |
| May-9-2006 |
Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the merchant... |
| 7043025 |
Method and apparatus for secured electronic commerce |
| May-9-2006 |
A user anonymously acquires a first sequence of encryption key material. An encryption server, having a second sequence complementary to the first sequence, receives and forwards encrypted messages and... |
| 7039617 |
Currency and float ID tracking in an electronic purse |
| May-2-2006 |
The present invention relates to electronic purse systems, and in particular it relates to the improved management of multiple money flows in such systems. According to the basic principles of the present... |
| 7035831 |
Reversible generation process of altered payment card by means of a mathematical algorithm |
| Apr-25-2006 |
The process consists of carrying out the first phase of generating the transaction signature (9), with prior authentication by the cardholder, in the issuing centre (3) through its authentication... |
| 7031939 |
Systems and methods for implementing person-to-person money exchange |
| Apr-18-2006 |
Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange... |
| 7024552 |
Location authentication of requests to a web server system linked to a physical entity |
| Apr-4-2006 |
A system for authenticating the location of a client system accessing a web server system associated with a physical entity includes a location beacon adjacent to the physical entity. The location beacon... |
| 7024395 |
Method and system for secure credit card transactions |
| Apr-4-2006 |
A customer making a credit card transaction inserts their smart card into a card reader attached to the merchant's system. The card reader activates the customer's card and passes certain merchant information.... |
| 7024390 |
Electronic wallet management system, electronic wallet device, electronic wallet management unit, and terminal station |
| Apr-4-2006 |
The invention solves the inconvenience that a customer would experience when his/her electronic wallet was lost or broken down. A backup condition testing means tests predefined backup conditions to determine... |
| 7020633 |
Method and system for merchant processing of purchase card transactions with expanded card type acceptance |
| Mar-28-2006 |
Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the merchant... |
| 7014107 |
Wireless payment processing system |
| Mar-21-2006 |
The transaction method is for secure payment by credit cards or debit cards for goods or services with the use or mobile devices. The payment authorization center delivers a public portion of the authorization... |
| 7013296 |
Using electronic security value units to control access to a resource |
| Mar-14-2006 |
A network utilizes electronic security value units to prevent unauthorized access to resources in the network. The network includes at least a resource manager and an electronic bank server (e.g., the... |
| 7006998 |
Payment system |
| Feb-28-2006 |
The invention relates to a payment system utilizing so called "smart cards", which include a microprocessor attached to the card with associated memory circuits for storage of transactions, and which via... |
| 7003499 |
Service activation by virtual prepaid card |
| Feb-21-2006 |
In order to prevent the use of a virtual prepaid card illegitimately acquired and transmitting only one identification code, for example read after the card has been scratched, to a service provision server,... |
| 7000105 |
System and method for transparently providing certificate validation and other services within an electronic transaction |
| Feb-14-2006 |
A system and method are disclosed for transparently providing certificate validation and other services without requiring a separate service request by either a relying customer or subscribing customer.... |
| 6999948 |
Memory card |
| Feb-14-2006 |
A memory card 110 extracts a session key Ks from the data applied onto a data bus BS3 by carrying out a decryption process. An encryption processing unit 1406 encrypts a public encryption... |
| 6996546 |
System and methods for digital receipts |
| Feb-7-2006 |
A secure system for creating digital receipts, while minimizing the amount of data that is encoded in the digital receipt. The digital receipt provides authentication for a transaction. A digital receipt... |
| 6991158 |
Mobile paper record processing system |
| Jan-31-2006 |
A method is disclosed for electronically capturing and storing paper records for accounting purposes using a mobile handheld device with an integrated digital camera or scanner. This method involves digitalizing... |
| 6990683 |
Information providing system utilizing IC cards and method thereof |
| Jan-24-2006 |
An information providing system which includes: an IC card; a settlement center which monitors and holds contents information of the IC card, and upon receiving the contents information readout request,... |
| 6990470 |
Method and system for conducting secure payments over a computer network |
| Jan-24-2006 |
A secure method of conducting an electronic transaction over a public communications network is provided which utilizes a pseudo-expiration date in the expiration date field of an authorization request.... |
| 6986040 |
System and method of exploiting the security of a secure communication channel to secure a non-secure communication channel |
| Jan-10-2006 |
The present invention features a system and method for establishing a secure communication channel between a client and an application server. In one embodiment, a ticket service generates a ticket having... |
| 6978250 |
System and method for automated electronic scrip transactions |
| Dec-20-2005 |
A system and method for performing and settling an electronic scrip transaction between a merchant and a member includes a database storing accounts for one or more participating merchants, scrip distributors,... |
| 6976164 |
Technique for handling subsequent user identification and password requests with identity change within a certificate-based host session |
| Dec-13-2005 |
The present invention provides a method, system, and computer program product which enables changing user credentials that are used to access legacy host applications and/or systems which provide legacy... |
| 6970852 |
Methods and apparatus for conducting secure, online monetary transactions |
| Nov-29-2005 |
A system, method, and apparatus for conducting secure monetary transactions over a communications network is provided. The invention facilitates secure monetary and financial transactions over the Internet... |
| 6970851 |
System and method of configuring value cards |
| Nov-29-2005 |
A system and method of configuring value cards which facilitates selection of personalized limits on value card use in transactions. The value card configuration system includes a display for displaying... |
| 6967575 |
Methods and apparatus for unattended pickups and deliveries |
| Nov-22-2005 |
A secure pickup and delivery container includes a lockable door, a control unit, an access element, and an anchoring element, according to one embodiment. The control unit includes a processing element... |
| 6965880 |
Transaction number management method in network commodity sales |
| Nov-15-2005 |
A cart ID according to the present invention is an identification code including receipt information containing at least a receipt number (serial number) indicating a receipt number of the transaction,... |
| 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... |
| 6950810 |
Tokenless biometric electronic financial transactions via a third party identicator |
| Sep-27-2005 |
The invention provides a method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic third party identicator and at least one payor bid biometric... |
| 6950808 |
Booking certificate issuing apparatus and method |
| Sep-27-2005 |
Booking venders are to be enabled to issue booking certificates without having to consume their own resources. Advance booking is made and sent to a retailer from a consumer terminal via the Internet.... |
| 6938020 |
Memory rental service system in intelligent authentication unit |
| Aug-30-2005 |
The present invention is to provide a memory rental service system in an intelligent authentication unit, the system allowing an application operating entity to setup or change any application freely and... |
| 6938019 |
Method and apparatus for making secure electronic payments |
| Aug-30-2005 |
In accordance with the present invention, consumers and merchants use computing devices connected to a network, such as the Internet, through wired and wireless means, wherein the consumer connects to... |
| 6934855 |
Remote administration of smart cards for secure access systems |
| Aug-23-2005 |
A method for remote administration of at least one smart card via a communication network is described. The method includes the steps of associating the at least one smart card with a remote administrator... |
| 6934848 |
Technique for handling subsequent user identification and password requests within a certificate-based host session |
| Aug-23-2005 |
The present invention provides a method, system, and computer program product for enabling a user to provide a single system sign-on for accessing one or more legacy host applications and/or one or more... |
| 6934843 |
Method for authenticating at least one subscriber during a data interchange |
| Aug-23-2005 |
A method for authenticating at least one subscriber during a data interchange between at least two subscribers is described. In the method, a first subscriber transmits a first data item (a challenge signal)... |
| 6931538 |
Portable personal authentication apparatus and electronic system to which access is permitted by the same |
| Aug-16-2005 |
An object of the present invention is to provide a portable personal authentication apparatus which can perform personal authentication, being essential in a future society, anywhere and be used for all... |
| 6931382 |
Payment instrument authorization technique |
| Aug-16-2005 |
A method is provided for protecting a payment instrument in non-face-to-face transactions. The payment instrument is issued by an issuing entity and associated with an authorized instrument holder. The... |
| 6915279 |
System and method for conducting secure payment transactions |
| Jul-5-2005 |
In a secure electronic payment system, authentication data is sent from a payment account issuer to user software operated by a purchaser. The user software sends the authentication data to a merchant... |
| 6889895 |
Method and device for acquiring an electronic document |
| May-10-2005 |
A prior introduction into the memory of a document in a non-validated state, to be acquired by validation, and a function of acquiring the document, independent of the electronic purse function. When it... |
| 6879966 |
Tokenless biometric electronic financial transactions via a third party identicator |
| Apr-12-2005 |
The invention provides a method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic third party identicator and at least one payor bid biometric... |
| 6865678 |
Personal date/time notary device |
| Mar-8-2005 |
A personal data/time notary device is embodied in a token device such as a "smart card". The portable notary device includes an input/output (I/O) port, which is coupled to a single integrated circuit... |
| 6854646 |
Transaction management system and method |
| Feb-15-2005 |
A transaction processing method is provided for a transaction management system which processes transactions using settlement cards. In the transaction processing method, a transaction process is executed... |
| 6854057 |
Digital certificate proxy |
| Feb-8-2005 |
The invention generates a temporary digital certificate with a useful life of only a few minutes to a few hours. An expiration time is attached to such temporary digital certificate by a secure computer... |
| 6845367 |
Process and device for internet payments by means of security modules |
| Jan-18-2005 |
The present invention describes a device and a method for performing cashless payments between a customer and a dealer. The advantages of the present invention lie in that payments can be performed over... |
| 6839847 |
Information processing equipment and IC card |
| Jan-4-2005 |
An IC card having a storage memory including a program storage unit for storing a program and a data storage unit for storing data and a central processing unit for executing a predetermined process in... |
| 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... |
| 6829597 |
Method, apparatus and computer program product for processing cashless payments |
| Dec-7-2004 |
A computer program product and programmed method for performing cashless payments between a customer and a dealer via a bank. The invention is embodied in an on-line computerized process between customer... |
| 6829596 |
Account/asset activation device and method |
| Dec-7-2004 |
An asset/account activation device and method are provided. According to a first preferred method, an asset may be activated by a point of sale device utilizing multiple security mechanisms. Activation... |
| 6829595 |
MicroTrac internet billing solutions |
| Dec-7-2004 |
A method for authenticating internet billing using a third party account server. Internet users maintain authentication information such as user PIN codes with a third party account server. An internet... |
| 6824052 |
Healthcare verification methods, apparatus and systems |
| Nov-30-2004 |
Methods, systems and apparatus are provided for, inter alia, verification of the identity of a patient undergoing healthcare administered by a healthcare practitioner. The methods include improved record... |
| 6823452 |
Providing end-to-end user authentication for host access using digital certificates |
| Nov-23-2004 |
A method, system, and computer program product for using a digital certificate to access legacy host applications and/or data which are protected by a host-based security system such as RACF (Resource... |
