| 6049786 |
Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures |
| Apr-11-2000 |
An electronic bill presentment and payment system includes multiple biller computers, a bill presentment computer, and multiple customer computers. Each biller computer stores complete bills for the customer... |
| 6041316 |
Method and system for ensuring royalty payments for data delivered over a network |
| Mar-21-2000 |
A method and system for delivering data over a communication network which ensures proper payment of royalties while preserving free access to data for purposes such as browsing or research. An exemplary... |
| 6029150 |
Payment and transactions in electronic commerce system |
| Feb-22-2000 |
A method of payment in an electronic payment system wherein a plurality of customers have accounts with an agent. A customer obtains an authenticated quote from a specific merchant, the quote including... |
| 6026163 |
Distributed split-key cryptosystem and applications |
| Feb-15-2000 |
A distributed split-key cryptosystem and application in a public-key setting wherein each of a plurality of trustees independently selects his own secret-public key pair. The trustees combine their public... |
| 6002771 |
Method and system for regulating discounts on merchandise distributed through networked computer systems |
| Dec-14-1999 |
The present invention provides a method and system for regulating discounts on merchandise distributed through networked computer systems. The method and system involve the use of discount coupons valid... |
| 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... |
| 5991413 |
Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number |
| Nov-23-1999 |
The present invention relates to a process for accepting a request for use of a virtual prepaid card involving the following stages: a user of a virtual prepaid card is connected to a server containing... |
| 5991411 |
Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like |
| Nov-23-1999 |
A system for rejecting second and subsequent copies of an informationally-equivalent card or badge asserted into a client/server system by processing only those cards having transaction histories recorded... |
| 5987140 |
System, method and article of manufacture for secure network electronic payment and credit collection |
| Nov-16-1999 |
Secure transmission of data is provided between a plurality of computer systems over a public communication system, such as the Internet. Secure transmission of data is provided from a customer computer... |
| 5987132 |
System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture |
| Nov-16-1999 |
An architecture that provides a server that communicates bidirectionally with a gateway over a first communication link, over which service requests flow to the server for one or more merchants and/or... |
| 5974146 |
Real time bank-centric universal payment system |
| Oct-26-1999 |
An infrastructure for a real time bank-centric universal payment system in which a central processing unit (CPU) defines an electronic commerce trust system formed from a plurality of financial service... |
| 5956699 |
System for secured credit card transactions on the internet |
| Sep-21-1999 |
A method for providing secure credit card transactions over the Internet generates a personal charge number from a user account number by inserting a user key into the user account number in accordance... |
| 5952638 |
Space efficient method of electronic payments |
| Sep-14-1999 |
A method of space efficient electronic payments. A customer initiates an electronic transaction by transmitting a request for payment information to a seller. In response, the customer receives from the... |
| 5940504 |
Licensing management system and method in which datagrams including an address of a licensee and indicative of use of a licensed product are sent from the licensee's site |
| Aug-17-1999 |
A license management system and method for recording the use of a licensed product, and for controlling its use in accordance with the terms of the license. A licensed product invokes a license check monitor... |
| 5930767 |
Transaction methods systems and devices |
| Jul-27-1999 |
A transaction system includes a computer (20) which performs a transaction method comprising steps of receiving a first data element indicating an item in a transaction, receiving a second data element... |
| 5926548 |
Method and apparatus for implementing hierarchical electronic cash |
| Jul-20-1999 |
A user U generates a signature verification key N.sub.U, a signature key SS.sub.U and a cipher key K, enciphers (X,N.sub.U) by a public key into E.sub.I (X,K,N.sub.U) and sends the enciphered information... |
| 5907617 |
Try before you buy software distribution and marketing system |
| May-25-1999 |
A computer-based system is provided for demonstrating software programs to a potential purchaser and for gathering marketing information related to the demonstration of the programs. The system enables... |
| 5901228 |
Commercial online backup service that provides transparent extended storage to remote customers over telecommunications links |
| May-4-1999 |
A user can use his personal computer to call up an on-line service system over a telecommunications link such as a telephone line. The On-line system provides all sorts of useful services to the personal... |
| 5889863 |
System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture |
| Mar-30-1999 |
An architecture that provides a server that communicates bidirectionally with a client over a first communication link, over which service requests flow to the server for one or more merchants and/or consumers... |
| 5887062 |
Two-way data communication method and two-way data communication apparatus using the same |
| Mar-23-1999 |
The invention relates to a two-way data communication apparatus in television broadcast or data broadcast signal transmitted through telephone circuit, and a two-way data communication apparatus according... |
| 5870476 |
Process for pledging data for a secure data exchange protocol |
| Feb-9-1999 |
The process comprises a "pledging" step in which a debtor party transmits to a creditor party a data item which is the image of a pledged data item, and a "commencement" step in which the debtor party... |
| 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... |
| 5862223 |
Method and apparatus for a cryptographically-assisted commercial network system designed to facilitate and support expert-based commerce |
| Jan-19-1999 |
The present invention is an expert matching method and apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an expert request.... |
| 5862222 |
System at a vehicle for debiting at automatic fuelling |
| Jan-19-1999 |
System for automatic fuelling of a vehicle and debiting for fuel obtained. A transponder is provide on the vehicle for the positioning of a fuelling robot and includes coded information to be utilized... |
| 5848400 |
Electronic check exchange, clearing and settlement system |
| Dec-8-1998 |
An electronic financial transaction clearing and settlement system handles and processes electronic financial transactions on behalf of a set of regional banks and correspondent banks. In particular, each... |
| 5848162 |
Data acquiring apparatus |
| Dec-8-1998 |
A data acquiring apparatus is disclosed. A comm control portion (1), coupled to a network (N), controls comm with the network; a mail box portion (2) stores at least a block of data (13) from N. An enciphering... |
| 5838790 |
Advertisement authentication system in which advertisements are downloaded for off-line display |
| Nov-17-1998 |
A system and method for authenticating that advertisements are properly displayed at a remote computer. The advertisements are received electronically and are stored in a memory device at the remote computer.... |
| 5809145 |
System for distributing digital information |
| Sep-15-1998 |
A system for distributing digital data among a plurality of customers is provided which comprises a modular software architecture to accommodate different data preview, search, data compression and encryption... |
| 5809143 |
Secure keyboard |
| Sep-15-1998 |
Apparatus and methods are provided for transacting secure purchase and bill payment transactions. A method for transacting a secure purchase via an internet using a system including a computer, a first... |
| 5794207 |
Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers |
| Aug-11-1998 |
The present invention is a method and apparatus for effectuating bilateral buyer-driven commerce. The present invention allows prospective buyers of goods and services to communicate a binding purchase... |
| 5778173 |
Mechanism for enabling secure electronic transactions on the open internet |
| Jul-7-1998 |
A method is provided for performing a transaction that is initiated over an open communication network between a user and a remotely located server. The open communication network may be the Internet,... |
| 5764762 |
Encrypted data package record for use in remote transaction metered data system |
| Jun-9-1998 |
The disclosed system relates to metered use cryptographic systems, and particularly to a data package and system operation for effecting metered purchases of encrypted data from a local encrypted database.... |
| 5754656 |
Electronic shopping method, electronic shopping system and document authenticating method relating thereto |
| May-19-1998 |
An electronic shopping method is provided by both an apparatus 10 and an apparatus 30 to hold a key K(A, C) in common, and both the apparatus 30 and an apparatus 40 to hold a key K(B, C) in common. The... |
| 5754654 |
Electronic ticket vending system and method thereof |
| May-19-1998 |
A system comprises an electronic ticket vending and refunding device retained by a ticket publisher, a terminal device having a data input device, a data display device, and a data transmission and reception... |
| 5740247 |
Authorized cellular telephone communication payment refill system |
| Apr-14-1998 |
This invention overcomes the disadvantages of the prior art by providing cellular telecommunications systems that utilize encryption and employ encrypted seed number signals to enable various payment plans... |
| 5737414 |
900 number billing and collection system and method for on-line computer services |
| Apr-7-1998 |
A billing and collection system for enabling payment for a service provided over a data network by billing a customer for a telephone connection to a shared revenue billing network where the telephone... |
| 5732136 |
Merchant specific debit card verification system |
| Mar-24-1998 |
A merchant specific debit card verification system which includes a debit card having at least one ID property stored thereon and a merchant's terminal having at least one ID property stored thereon so... |
| 5724424 |
Digital active advertising |
| Mar-3-1998 |
A complete system for the purchasing of goods or information over a computer network is presented. Merchant computers on the network maintain databases of digital advertisements that are accessed by buyer... |
| 5712913 |
Limited-traceability systems |
| Jan-27-1998 |
Cryptographic methods and apparatus for payment and related transaction systems are disclosed that allow some kinds of tracing under some conditions and make substantially infeasible other kinds of tracing... |
| 5703951 |
System and method for access data control |
| Dec-30-1997 |
The system and method of the present invention provides the support of high density removable media, such as CD-ROM or MO, to be used as a distributed media for storing data where access thereto is securely... |
| 5673034 |
Security system comprising three apparatuses sharing a time-varying code |
| Sep-30-1997 |
Complex, time varying codes (e.g., pseudo-random sequences) are used in an access regulating system that includes three types of synchronized apparatuses. The first apparatus is a central computer, or... |
| 5638445 |
Blind encryption |
| Jun-10-1997 |
A method of processing encrypted communications sent by a first party, the method including the steps of: receiving from the first party a message that has a first part, a second part, a third part and... |
| 5602919 |
Speedup for monetary transactions using a transponder in conjunction with a smartcard |
| Feb-11-1997 |
This invention allows a user to have a smartcard (66) and a smartcard-based transponder (14). This smartcard-based transponder (14) can accept money from the smartcard (14). The amount transferred from... |
| 5557518 |
Trusted agents for open electronic commerce |
| Sep-17-1996 |
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... |
| 5553239 |
Management facility for server entry and application utilization in a multi-node server configuration |
| Sep-3-1996 |
Disclosed is a server architecture for connecting to a plurality of remote client computers each seeking access to applications resident on the server. The architecture provides (1) a reliable, single... |
| 5485520 |
Automatic real-time highway toll collection from moving vehicles |
| Jan-16-1996 |
One or more roadside collection stations (RCS) communicate over a short-range, high speed bidirectional microwave communication link with one or more in-vehicle units (IVU) associated with one or more... |
| 5479510 |
Automated data card payment verification method |
| Dec-26-1995 |
A method of data transmission over existing telephone lines and later verification of that transmission includes electronic payment verification using telephone transmission of payment information and... |
| 5420926 |
Anonymous credit card transactions |
| May-30-1995 |
Techniques for performing credit-card transactions without disclosing the subject matter of the transaction to the institution providing the credit card. The techniques include the use of a communications... |
| 5388211 |
Method and apparatus for remotely controlling and monitoring the use of computer software |
| Feb-7-1995 |
Remote control of the use of computer data is described in a system for renting computer software which derives use and billing information, prevents unauthorized use, maintains integrity of the software... |
| 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,... |
