| 6298336 |
Card activation at point of distribution |
| Oct-2-2001 |
Secure activation of stored value cards at a point of distribution uses a portable activation secure application module (ASAM) within the card dispensing machine to activate each card. Each card has a... |
| 6295522 |
Stored-value card value acquisition method and apparatus |
| Sep-25-2001 |
A system and method for the use of stored value cards when either a consumer or a merchant does not possess a stored value card. A consumer value acquirer receives funds from the bank account of a given... |
| 6289324 |
System for performing financial transactions using a smart card |
| Sep-11-2001 |
A financial information and transaction system comprising a host financial computer system, which host system maintains records of user account information; at least one terminal providing a user interface... |
| 6282522 |
Internet payment system using smart card |
| Aug-28-2001 |
An architecture and system uses a smart card for payment of goods and/or services purchased on-line over the Internet. A client server on a client terminal controls the interaction with a consumer and... |
| 6263316 |
Automated process for retailing to a vehicle occupant |
| Jul-17-2001 |
The invention is a method and apparatus for the automated retailing of refreshments and other basic consumer products to a vehicle occupant as the vehicle passes through a toll station having an automated... |
| 6256614 |
Internet system for producing electronic reward cards |
| Jul-3-2001 |
A system to build and provide an immediate electronic reward to a consumer's PC, Web-TV, Pager (or other electronic media) in return for some action taken by the consumer on the Internet. Typically the... |
| 6223169 |
Electronic transaction processing system with escrow card |
| Apr-24-2001 |
An electronic transaction processing system for transferring a monetary value between a payer and a receiver includes a first memory apparatus storing a payer's digital cash, a second memory apparatus... |
| 6220510 |
Multi-application IC card with delegation feature |
| Apr-24-2001 |
A multi-application IC card which processes two or more applications using an Application Abstract Machine architecture. The AAM architecture only allows one application to be executed at a time and allows... |
| 6205436 |
Trusted agents for open electronic commerce where the transfer of electronic merchandise or electronic money is provisional until the transaction is finalized |
| Mar-20-2001 |
A system for open electronic commerce having a customer trusted agent securely communicating with a first money module, and a merchant trusted agent securely communicating with a second money module. Both... |
| 6205435 |
Self-contained payment system with circulating digital vouchers |
| Mar-20-2001 |
A self-contained payment system uses circulating digital vouchers for the transfer of value. The system creates and transfers digital vouchers. A digital voucher has an identifying element and a dynamic... |
| 6199046 |
Method system and article of manufacture for performing real time currency conversion |
| Mar-6-2001 |
A currency converter consisting of a source of exchange rate information with either an object performing the role of currency selection, exchange rate information retrieval, and price display, or objects... |
| 6192349 |
Smart card mechanism and method for obtaining electronic tickets for goods services over an open communications link |
| Feb-20-2001 |
A smart card, (a type of credit card containing storage capacity and processing ability preferably in the form of a microprocessor), is used to store an electronic ticket provided from the service provider's... |
| 6185542 |
Communication of transaction data via the internet |
| Feb-6-2001 |
Transmitting via email by a store computer controlling a point of service terminal (POS) terminal, at which a transaction has been performed, transaction data to a personal computer of a customer making... |
| 6168078 |
Card reader |
| Jan-2-2001 |
A card reader reads data from a card which stores data in a plurality of files, and includes an input part including at least one key for inputting an instruction, and a data processor. The data processor... |
| 6167387 |
Cashless card revalue system |
| Dec-26-2000 |
This invention concerns a cashcard system for purchasing laundry services wherein the user is issued with a cashcard and a personal identification number. Each of the laundry facilities is provided with... |
| 6164529 |
Self service terminal |
| Dec-26-2000 |
An automated teller machine (ATM) 10 is provided with a reader/writer 28 for a flex disc 34. The ATM can be operated to download a receipt or a ministatement to a flex disc inserted by a cardholder, and... |
| 6145035 |
Card cradle system and method |
| Nov-7-2000 |
A system comprising a card device for effectuating a transaction when presented to a transaction terminal, the card device including a memory and a first energy source, the source for powering the memory... |
| 6142369 |
Electronic transaction terminal for conducting electronic financial transactions using a smart card |
| Nov-7-2000 |
An electronic transaction system for conducting electronic financial transactions including a smart card configured to store a plurality of payer electronic credits and a communication module configured... |
| 6131810 |
Integrated full service consumer banking system and system and method for opening an account |
| Oct-17-2000 |
An integrated financial system that includes a single customer account that permits a customer to perform various financial transactions. The account includes at least banking components and brokerage... |
| 6128604 |
Card holder |
| Oct-3-2000 |
A card holder allows the bearer of an IC card to check the information recorded in the IC card at any time and with ease even if the IC card has a surface that is not fit to be provided with a display... |
| 6112191 |
Method and system to create and distribute excess funds from consumer spending transactions |
| Aug-29-2000 |
An improved system for consumer payors to save and donate whenever they use cash at a point of sale terminal, write a check, use an ATM machine, or use a credit or debit card. The POS system is a network... |
| 6105011 |
Security system and method for business transactions with customers |
| Aug-15-2000 |
A security system and method by which customers may be readily identified prior to cashing of checks, other cash-out transactions, or other business transactions, wherein each customer is issued an individualized... |
| 6105008 |
Internet loading system using smart card |
| Aug-15-2000 |
An architecture and system loads and uses a smart card for payment of goods and/or services purchased on-line over the Internet. A client module on a client terminal controls the interaction with a consumer... |
| 6105006 |
Transaction authentication for 1-way wireless financial messaging units |
| Aug-15-2000 |
A secure financial messaging unit (906) includes a wide area radio frequency receiver (804), a selective call decoder (1004), a financial transaction processor (1014), a main processor (1006), and a message... |
| 6094724 |
Secure memory having anti-wire tapping |
| Jul-25-2000 |
According to a first aspect of the present invention, cryptography without a dedicated microprocessor on the smart card is employed to provide authentication of both the smart card and the smart card reader,... |
| 6094643 |
System for detecting counterfeit financial card fraud |
| Jul-25-2000 |
Counterfeit financial card fraud is detected based on the premise that the fraudulent activity will reflect itself in clustered groups of suspicious transactions. A system for detecting financial card... |
| 6078902 |
System for transaction over communication network |
| Jun-20-2000 |
A method for conducting transaction between first user and a remote second user interlinked through a communication network, by utilizing also a clearing office interlinked to the network. The clearing... |
| 6076075 |
Retail unit and a payment unit for serving a customer on a purchase and method for executing the same |
| Jun-13-2000 |
A payment unit is provided for serving a customer making a purchase. The customer has an electronic wallet containing an electronic checkbook for making payments for purchases of not less than a minimal... |
| 6070141 |
System and method of assessing the quality of an identification transaction using an identificaion quality score |
| May-30-2000 |
A system and method of assessing the quality of an identification transaction is disclosed. The method includes the following steps: registering a plurality of persons to be identified by providing at... |
| 6065675 |
Processing system and method for a heterogeneous electronic cash environment |
| May-23-2000 |
A heterogeneous stored-value system which offers interoperability among a number of proprietary payment card brands with differing fee structures. The system makes use of existing settlement practices... |
| 6064988 |
Data processing system including transaction authorization device |
| May-16-2000 |
A supersmart card system is provided for authorizing transactions between a transaction card user and a merchant. The supersmart card system includes a plurality of conventional transaction cards such... |
| 6062472 |
System and method for increasing a value of an electronic payment card including performing a restore transaction in response to interruption of a value increase transaction |
| May-16-2000 |
A system for increasing the value of an electronic payment card. The system comprises, e.g., a security module arranged for authentication of the card, and an authorizing device for authorizing a value... |
| 6058402 |
Method of modifying the functions performed by a command set of a smart card |
| May-2-2000 |
A method is disclosed of modifying and/or extending the command set (READ, WRITE) of a smart card. Use is made of the attribute tables (100, 200, 300) associated with certain files and with the commands... |
| 6058382 |
Electronic money holding device utilizing an automatic payment method |
| May-2-2000 |
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... |
| 6047269 |
Self-contained payment system with circulating digital vouchers |
| Apr-4-2000 |
A self-contained payment system uses circulating digital vouchers for the transfer of value. The system creates and transfers digital vouchers. A digital voucher has an identifying element and a dynamic... |
| 6047067 |
Electronic-monetary system |
| Apr-4-2000 |
An electronic-monetary system having (1) banks or financial institutions that are coupled to a money generator device for generating and issuing to subscribing customers electronic money including electronic... |
| 6041314 |
Multiple account portable wireless financial messaging unit |
| Mar-21-2000 |
A portable secure financial messaging unit (906) includes a receiver (804) and a selective call decoder (1004). The selective call decoder (1004) has a memory (1010) that includes plurality of unique selective... |
| 6038552 |
Method and apparatus to process combined credit and debit card transactions |
| Mar-14-2000 |
A method and apparatus for executing a transaction using a credit card includes the steps of: maintaining a credit card account associated with the credit card, the credit card account having a credit... |
| 6038551 |
System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer |
| Mar-14-2000 |
A computerized system offers a uniform platform for conducting electronic transactions in multiple different environments. The system includes a portable, multi-purpose, integrated circuit (IC) card and... |
| 6038549 |
Portable 1-way wireless financial messaging unit |
| Mar-14-2000 |
A secure messaging system including a secure messaging system controller (1100) and a first financial messaging unit (906). A user initiates a financial transaction by providing a transaction authentication... |
| 6032136 |
Customer activated multi-value (CAM) card |
| Feb-29-2000 |
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... |
| 6032135 |
Electronic purse card value system terminal programming system and method |
| Feb-29-2000 |
An electronic purse card value system (10) includes terminal devices (12). Each terminal device includes a processor (26) which is in operative connection with a memory (28) and a modem (36). The terminal... |
| 6023508 |
Polymorphic data structures for secure operation of a virtual cash system |
| Feb-8-2000 |
A system for transferring value carrying data packets representative of cash between transferor and transferee terminals without the intervention of a centralized database provides for data packets convertible... |
| 6021399 |
Space efficient method of verifying electronic payments |
| Feb-1-2000 |
A method of verifying electronic payments generated using a key unknown to the verifier. In anticipation of accepting electronic payments, a seller requests and receives from a bank a conversation key... |
| 6018717 |
Method and apparatus for acquiring access using a fast smart card transaction |
| Jan-25-2000 |
A method for using a smart card to gain access through an access device upon payment of a value (V) is performed by first operatively coupling the card to the access device. The access device reads a first... |
| 6014648 |
Electronic card valet |
| Jan-11-2000 |
A valet for a electronic card is provided through which a user may track and tally transactions via speed nodes that relate to predetermined spending categories and that permit the user to assign budget... |
| 6012049 |
System for performing financial transactions using a smartcard |
| Jan-4-2000 |
A financial information and transaction system comprising a host financial computer system, which host system maintains records of user account information; at least one terminal providing a user interface... |
| 6012035 |
System and method for supporting delivery of health care |
| Jan-4-2000 |
Effectuation of a health care provision agency cooperative function is established through a communication network linking all the various entities of the cooperative. The entities include the third party... |
| 6003014 |
Method and apparatus for acquiring access using a smart card |
| Dec-14-1999 |
A method for using a smart card to gain access through an access device upon payment of a value (V) is performed by first operatively coupling the card to the access device. The access device reads a first... |
| 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... |
