| 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... |
| 7031934 |
Electronic commerce system and method for providing commercial information in electronic commerce system |
| Apr-18-2006 |
Log information concerning an electronic transaction performed between a transaction device and a business connection server through a network is compared with information concerning a predetermined business... |
| 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... |
| 7024389 |
System and method for using a payroll deduction card as a payment instrument |
| Apr-4-2006 |
The present invention relates to a system and method for using an e-duction card as a payment instrument, whereby a purchase price of articles purchased on-line or off-line is deducted from an employee's... |
| 7021532 |
Transaction authorization system and method |
| Apr-4-2006 |
The present invention includes a system and method for authorizing billing files at a substantially real-time batch authorization rate. The invention comprises a poller configured for queuing billing transaction... |
| 7021531 |
Payment device |
| Apr-4-2006 |
A payment device including an input unit arranged to receive first data taken from a medium and identifying a user who will proceed with a payment for a purchase which he has made, the input unit being... |
| 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... |
| 7003495 |
Portable electronic authorization system and method |
| Feb-21-2006 |
In one embodiment an apparatus includes a housing; a user authenticator, supported by the housing, that authenticates an identity of a user; at least one memory, supported by the housing, that stores transaction... |
| 6988658 |
System and method for facilitating a transaction between a merchant and a consumer |
| Jan-24-2006 |
A system for facilitating a transaction between a merchant and a consumer includes a consumer interface and a settlement administrator. The consumer interface is configured to emit a consumer identity... |
| 6976008 |
Internet billing method |
| Dec-13-2005 |
An Internet billing method comprises establishing an agreement between an Internet access provider and a customer, and an agreement between the Internet access provider and a vendor, wherein the Internet... |
| 6970843 |
Financial management system |
| Nov-29-2005 |
A financial transaction network includes a customer network serviced by a host processor. The financial transaction network provides customers with a plurality of diverse and interchangeable financial... |
| 6963857 |
Network-accessible account system |
| Nov-8-2005 |
The present invention is directed to methods of, and systems for, allowing an account participant to add value via a wide-area network to a first account from a second account. A first account server coupled... |
| 6961540 |
Information processing system and camera system |
| Nov-1-2005 |
An information processing (camera) system comprises a radio communication terminal (medium) and an information appliance (camera) communicable the radio communication terminal (medium) within a predetermined... |
| 6955299 |
System and method for using a smart card |
| Oct-18-2005 |
A system and method for using a smart card. The system includes a smart card enabler receiving a first identification key from a smart card. The smart card enabler compares the first identification key... |
| 6944650 |
System for accessing an object using a "web" browser co-operating with a smart card |
| Sep-13-2005 |
The invention relates to a method and an architecture for securely accessing virtual objects (Obvi) distributed in systems connected to the internet network (RI), and for obtaining an instance... |
| 6941285 |
Method and system for a virtual safe |
| Sep-6-2005 |
A transaction server for performing a transaction over a network using a virtual smart card the server comprising, a virtual smart card database having a plurality of records each record including a virtual... |
| 6938244 |
Interlaced protocol for smart card application development |
| Aug-30-2005 |
An integrated circuit (IC) card is presented comprising an input/output (I/O) interface and a smart card development interface (SCDI), coupled to the I/O interface, to receive and identify debug frames... |
| 6938016 |
Digital coin-based postage meter |
| Aug-30-2005 |
A system and corresponding method for enabling the use of digital postage or, more generally, digital coin. The system includes, in the case of enabling digital postage, a digital postage generator, responsive... |
| 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... |
| 6925439 |
Device, system and methods of conducting paperless transactions |
| Aug-2-2005 |
The invention also includes methods of issuing an account authorization to a UET card, a method of transferring transactional and account information between a UET card and a personal computer or a mainframe... |
| 6911133 |
Automated system for issuing and managing offence tickets |
| Jun-28-2005 |
The invention concerns a system for issuing and managing offence tickets comprising a portable input device provided to the policeman for recording therein data concerning the contravening vehicle, a ticket... |
| 6895386 |
Stock credit card |
| May-17-2005 |
A method and system for purchasing assets on behalf of customers who use financial transaction media such as credit cards, ATM/CAT cards, and electronic commerce managed by a financial institution. As... |
| 6892187 |
Debit purchasing of stored value card for use by and/or delivery to others |
| May-10-2005 |
A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient... |
| 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... |
| 6889208 |
Contents sale system |
| May-3-2005 |
In a contents sale system, original contents data are encrypted into encryption-resultant contents data in response to original playback key data. The original playback key data are encrypted into first... |
| 6886069 |
IC card and management method of nonvolatile memory in IC card |
| Apr-26-2005 |
An IC card having nonvolatile and volatile memory is disclosed. An IC card generates a volatile object, and accesses the volatile object using a reference address on a nonvolatile memory. These volatile... |
| 6879964 |
Investment company that issues a class of conventional shares and a class of exchange-traded shares in the same fund |
| Apr-12-2005 |
An investment company is administered by issuing one or more classes of shares that are bought from and redeemed with the company at a net asset value, issuing one or more classes of shares that are listed... |
| 6873974 |
System and method for use of distributed electronic wallets |
| Mar-29-2005 |
Methods and systems whereby two electronic wallets communicate and exchange information. In one such system, a consumer's personal electronic wallet communicates with the exclusive or preferred wallet... |
| 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... |
| 6873843 |
Information processing apparatus and method thereof, information processing system and recording medium |
| Mar-29-2005 |
Information processing apparatus and method thereof, information processing system and recording medium for easily indicating the delivery address of purchased products. A user terminal device sends a... |
| 6865547 |
Customer activated multi-value (CAM) card |
| Mar-8-2005 |
The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated... |
| 6857565 |
Electronic traveler's checks |
| Feb-22-2005 |
An electronic traveler's check system and method comprising an electronic travelers check card which is useable to retrieve money from point of service locations and banks. The system has a database of... |
| 6853983 |
System and method for the selective activation of one or several software and/or hardware functions of a programmable device |
| Feb-8-2005 |
A system and method for the selective activation of one or several software and/or hardware functions of a programmable device. A program selectively activates one of the functions of the programmable... |
| 6843423 |
Smart card that can be configured for debugging and software development using secondary communication port |
| Jan-18-2005 |
An integrated circuit for use with smart card and method are operative in both an ISO mode in accordance with the International Standards Organization 7816 (ISO 7816) protocol, and a non-ISO mode in accordance... |
| 6834799 |
IC card with capability of having plurality of card managers installed |
| Dec-28-2004 |
Provided is an IC card capable of downloading a card manager even after issuance of the IC card. A first card manager stored in the ROM of an IC card is made to be capable of downloading a privileged application,... |
| 6829467 |
Apparatus for settling accounts and method of settling accounts |
| Dec-7-2004 |
An account-settling apparatus changes the range of communication between it and a portable device having a radio communication address, from a first range to a second range and vice versa. The first range... |
| 6820802 |
Online card activation system and method |
| Nov-23-2004 |
A method for online account activation between a consumer having an account with a service provider interacting with at least a first computing system and a second computing system in communication with... |
| 6808111 |
Terminal software architecture for use with smart cards |
| Oct-26-2004 |
A terminal software architecture accepts a card that implements a card application of a merchant. A terminal application is developed independently of the terminal. The terminal has an environment component... |
| 6764001 |
Electronic money system and transaction method using the same |
| Jul-20-2004 |
An electronic money system and an electronic money terminal used therein which facilitate and promote the transaction by card representing cash. A user carries out a transaction by using an information... |
| 6760710 |
Process and products produced thereby, apparatus, and articles of manufacture, for computerized conversion of preferred-return instruments |
| Jul-6-2004 |
An improved process for the computerized conversion of preferred-return constant-dollar financial instruments into equivalent nominal-dollar instrument. The method includes providing a first digital electrical... |
| 6742704 |
Multiple-service card system |
| Jun-1-2004 |
A system and method for providing a multiple-service card is disclosed. As a result, a card member 108 is provided with a single card that serves as both a credit card and a club membership card for access... |
| 6738749 |
Methods and apparatus for creating and storing secure customer receipts on smart cards |
| May-18-2004 |
A system for creating, storing and retrieving secure transaction receipts. These transaction receipts may be stored on portable electronic media that can be carried by a consumer. Each transaction record... |
| 6728686 |
Electronic money holding device and electronic money automatic payment method |
| Apr-27-2004 |
An electronic money holding device has a first storage unit for storing a uniquely assigned identification number and an amount of held electronic money, a processor for controlling the reference to and... |
| 6721715 |
Method and apparatus for localizing currency valuation independent of the original and objective currencies |
| Apr-13-2004 |
The present invention is a currency translation system that provides for the dynamic translation of a first currency value into a target currency value for the purpose of aiding localization and globalization... |
| 6717522 |
Message providing apparatus |
| Apr-6-2004 |
A message providing apparatus according to one embodiment is apparently a small-sized (for sample, screen size of about 3.5 inches) flat display (for example, LCD), wherein a speaker is provided at a cabinet,... |
| 6715679 |
Universal magnetic stripe card |
| Apr-6-2004 |
A credit card sized universal card that a user may transform at will into a credit card, ATM card, employee access card, and/or any other conventional magnetic-stripe type card. To prevent the card from... |
| 6707892 |
Application terminal |
| Mar-16-2004 |
An IC card terminal device reads functions stored in an IC card inserted therein, and displays them on its screen. The card user selects that one of the functions, which they intend to execute. The IC... |
| 6704714 |
Virtual private lock box |
| Mar-9-2004 |
A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account,... |
| 6690293 |
Gate apparatus, on-board unit, setup method of the on-board unit, toll collecting method and judging method of the entrance and exit |
| Feb-10-2004 |
A gate apparatus for judging the entrance and exit of a vehicle, which is attached with a wireless tag that is stored with a data peculiar to the vehicle, and, on which an on-board unit having a wireless... |
