| 5995948 |
Correspondence and chargeback workstation |
| Nov-30-1999 |
The present invention is a process that includes a graphical user interface, a client-server design and computer telephony integration to enhance the quality and productivity while reducing training in... |
| 5993047 |
Apparatus and method for requesting and dispensing negotiable instruments |
| Nov-30-1999 |
The present invention provides an apparatus and method for requesting and dispensing negotiable instruments such as bank checks, money orders, and traveler's checks. An instrument may be requested in this... |
| 5991748 |
Methods and apparatus for regenerating a prepaid transaction account |
| Nov-23-1999 |
An improved system for "regenerating" or adding funds to a prepaid, remote memory account. The system includes a service provider network or host computer system including an account database of prepaid... |
| 5991747 |
Electronic purse loan system |
| Nov-23-1999 |
When the amount of a former loan of the user of an IC card is written to a personal information storage provided in a center and the IC card is inserted into the slot of an electronic purse terminal at... |
| 5991412 |
Method for protectedly debiting an electronic payment means |
| Nov-23-1999 |
The invention relates to a method for protected transactions involving a so-called smart card and a terminal, such as a cash register. In order to prevent the smart card from simultaneously carrying out... |
| 5987438 |
Electronic wallet system |
| Nov-16-1999 |
An electronic wallet system easy to use and having high security is provided. The electronic wallet system includes an IC card for storing electronic money information, an IC card reader/writer for reading... |
| 5983207 |
Electronic cash eliminating payment risk |
| Nov-9-1999 |
A system and method to allow gold to circulate as digital cash through the global computer network (Internet) and/or private communication networks much like cash currently circulates in the physical world.... |
| 5978485 |
Foreign exchange transaction system |
| Nov-2-1999 |
A realtime multilateral foreign exchange settlement system having a computer implemented netting system, a processor-based multilateral settlement coordinator (MSC) having a first money module and a first... |
| 5974145 |
Method for cancelling a transaction of an electronic payment means, as well as payment means for application of the method |
| Oct-26-1999 |
A method and system for cancelling payments effected with an electronic payment device (11), such a smart card or IC card, in an off-line payment system including transmitting a check value, such as a... |
| 5970150 |
System for producing verifiable kiosk receipts and records |
| Oct-19-1999 |
A postage meter that is contained in a kiosk may be used to produce verifiable receipts for commercial transactions. The imbedded digital metering cryptographic technology that is contained in a postage... |
| 5963926 |
Computer implemented method, system and apparatus for processing various transactions using a plurality of transaction cards |
| Oct-5-1999 |
A method, apparatus and computer program for processing plural types of transactions by a transaction processor connected to plural companies of different industries via a network. Use of the invention... |
| 5963648 |
Electronic-monetary system |
| Oct-5-1999 |
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... |
| 5953423 |
Electronic-monetary system |
| Sep-14-1999 |
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... |
| 5936221 |
Smart card system and method for transferring value |
| Aug-10-1999 |
A stored value system and method comprising a central server apparatus (10), one or more value added terminals (12), and one or more money-activated machines (14). The value added terminal (12) is designed... |
| 5920629 |
Electronic-monetary system |
| Jul-6-1999 |
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... |
| 5887273 |
Method and system for interactive contributions solicitation and donation |
| Mar-23-1999 |
An offering plate that permits an attender at a religious service to make a donation that consists of a cash donation acceptor, an envelope donation acceptor, a credit card donation processor, and/or a... |
| 5884289 |
Debit card fraud detection and control system |
| Mar-16-1999 |
A computer based system that alerts financial institutions (FIs) to undetected multiple debit card fraud conditions in their debit card bases by scanning and analyzing cardholder debit fraud information... |
| 5884271 |
Device, system and methods of conducting paperless transactions |
| Mar-16-1999 |
A universal electronic transaction card ("UET card") is capable of serving as a number of different credit cards, bank cards, identification cards, employee cards, medical and health care management cards... |
| 5878138 |
System and method for detecting fraudulent expenditure of electronic assets |
| Mar-2-1999 |
An electronic asset system includes tamper-resistant electronic wallets that store non-transferable electronic assets. To break such tamper-resistant wallets, the criminal is expected to spend an initial... |
| 5872844 |
System and method for detecting fraudulent expenditure of transferable electronic assets |
| Feb-16-1999 |
An electronic asset system includes tamper-resistant electronic wallets that store transferable electronic assets. To break such tamper-resistant wallets, the criminal is expected to spend an initial investment... |
| 5864830 |
Data processing method of configuring and monitoring a satellite spending card linked to a host credit card |
| Jan-26-1999 |
A data-processing method by which one or more prepaid satellite spending cards are configured and linked to a cardholder's host credit card or card account such that a predetermined available spending... |
| 5864829 |
Network charge method and system |
| Jan-26-1999 |
A user who offered the purchase of a commodity or performed down-loading through a network is charged by a safe method. This charge is executed by sending a plurality of passwords, which can be used only... |
| 5857079 |
Smart card for automatic financial records |
| Jan-5-1999 |
A smart card that allows for the categorization of expenses at the time they are incurred and the automatic generation and storage of information concerning the date, payee, and amount of the transaction.... |
| 5839119 |
Method of electronic payments that prevents double-spending |
| Nov-17-1998 |
A method of generating electronic monetary tokens that supports off-line transactions while preventing double-spending. Generation of electronic token halves by a financial services provider begins in... |
| 5815657 |
System, method and article of manufacture for network electronic authorization utilizing an authorization instrument |
| Sep-29-1998 |
An electronic monetary system provides for transactions utilizing an electronic-monetary system that emulates a wallet or a purse that is customarily used for keeping money, credit cards and other forms... |
| 5809480 |
Automated, secure inter authority settlement method and system for electronic toll collection |
| Sep-15-1998 |
Electronic toll collection will eventually become standardized on the nation's toll roads making possible non-stop toll payments to many different toll Authorities from a single in-vehicle-device. Such... |
| 5799087 |
Electronic-monetary system |
| Aug-25-1998 |
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... |
| 5796832 |
Wireless transaction and information system |
| Aug-18-1998 |
A financial information and transaction system utilizes wireless communication in connection with portable terminals. In this system, a terminal is connected to the financial institution via a wireless... |
| 5796831 |
Method for conducting a transaction between a chip card and an information system |
| Aug-18-1998 |
A method of conducting a transaction between a chip card and an information system protects against fraud and malfunction during the transaction. The method involves a multi-step recording procedure wherein... |
| 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... |
| 5778067 |
Value transfer system |
| Jul-7-1998 |
A value transfer system which allows value to be transferred between electronic purses comprises computer which controls the loading of purses with value and the redemption of value from purses, a special... |
| 5774884 |
Service method using on-line systems of financial institutions |
| Jun-30-1998 |
A service is added to the mechanical use of dedicated terminals of a financial institution to thereby attain a differentiation of the financial institution from the other financial institutions. In executing... |
| 5774553 |
Foreign exchange transaction system |
| Jun-30-1998 |
A realtime multilateral foreign exchange settlement system having a computer implemented netting system, a processor-based multilateral settlement coordinator (MSC) having a first money module and a first... |
| 5748737 |
Multimedia electronic wallet with generic card |
| May-5-1998 |
An electronic wallet is disclosed which provides multiple data media interfaces. Standard interfaces will include a smart card reader/writer, a magnetic reader/writer, a radio frequency transceiver and... |
| 5745886 |
Trusted agents for open distribution of electronic money |
| Apr-28-1998 |
A system for the open distribution of electronic money is provided having a customer trusted agent associated with a first money module, a merchant trusted agent that establishes a first cryptographically... |
| 5740364 |
System and method for controlling data transfer between multiple interconnected computer systems with a portable input device |
| Apr-14-1998 |
A system and method are provided wherein a user of an interconnected computer system can identify a specific piece of data and then access this data from another computer in the network. This is extremely... |
| 5734571 |
Method for modifying data loaded into memory cells of an electronic postage meter machine |
| Mar-31-1998 |
In a method for modifying data loaded into memory cells of an electronic postage meter machine having a microprocessor which executes steps for a routine controlled by an external storage medium, a data... |
| 5724545 |
Memory card with capacity-independent 3-line addressing system |
| Mar-3-1998 |
A portable electronic smart card for use as a medium for the dissemination among consumers of digitized data such as texts, pictures or game programs. The smart card is connected to user systems through... |
| 5696908 |
Telephone debit card dispenser and method |
| Dec-9-1997 |
Telephone debit cards are automatically vended through a microprocessor controlled vending machine which permits card payment in cash and credit. The customer can select a desired telephone card value... |
| 5668878 |
Secure cryptographic methods for electronic transfer of information |
| Sep-16-1997 |
Cryptographic methods and apparatus are disclosed relating to practical cryptographic systems for electronic transfer of information. Specifically, inventive techniques are described to allow the use of... |
| 5666284 |
System and method for storing, retrieving and automatically printing postage on mail |
| Sep-9-1997 |
A system and method for printing a postage meter stamp, including a desired postage amount and encrypted information, onto a piece of mail. A user takes a postal storage device to the post office in order... |
| 5655089 |
Method for the consolidation summarization and transmission of a plurality of mailable materials |
| Aug-5-1997 |
Analysis has revealed that there is an undue proliferation of first-class mail being sent each month in the nature of bills, statements and similar such documents. Analysis has also revealed that this... |
| 5649118 |
Smart card with multiple charge accounts and product item tables designating the account to debit |
| Jul-15-1997 |
Systems and methods are disclosed wherein a single set of consumer items may be purchased by debiting any of a plurality of accounts stored on a smart card. According to an embodiment disclosed herein,... |
| 5596642 |
Network settlement performed on consolidated information |
| Jan-21-1997 |
A system for determining value in a stored value transaction system has a plurality of value storing devices. A first network consolidation device is provided for receiving stored value information from... |
| 5590038 |
Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions |
| Dec-31-1996 |
A universal electronic transaction card ("UET card") is capable of serving as a number of different credit cards, bank cards, identification cards, employee cards, medical cards and the like. The UET card... |
| 5578808 |
Data card that can be used for transactions involving separate card issuers |
| Nov-26-1996 |
A multi-application data card is capable of substituting for a plurality of existing single-application data cards. The multi-application data card is preferably a smart card recording data relating to... |
| 5559313 |
Categorization of purchased items for each transaction by a smart card |
| Sep-24-1996 |
A smart card that is responsive to a list of items with individual prices that are received from a point of sale (POS) terminal during an individual transaction to automatically insert these items into... |
| 5557516 |
System and method for conducting cashless transactions |
| Sep-17-1996 |
In a commercial transaction system, a system user uses a card device to interact with sales or transaction terminals to conduct cashless transactions. Each terminal processes data including a balance stored... |
| 5541583 |
Arrangement for interrogating portable data communication devices |
| Jul-30-1996 |
An updatable, interrogation system is provided for interrogating portable data cards. The interrogation system sequentially communicates with each portable data card as it comes within communication range... |
| 5461217 |
Secure money transfer techniques using smart cards |
| Oct-24-1995 |
Systems and methods for providing secure electronic financial transactions are disclosed. Money is electronically stored on a plurality of smart cards. At least one smart card is equipped with an electronic... |
