| 7039611 |
Managing attempts to initiate authentication of electronic commerce card transactions |
| May-2-2006 |
To encourage widespread implementation of an electronic commerce card authentication system by the numerous different card issuers and merchants, the card association assigns liability for fraudulent transaction... |
| 7035823 |
Telecommunications system for generating a three-level customer behavior profile and for detecting deviation from the profile to identify fraud |
| Apr-25-2006 |
Telecommunications apparatus and method for detecting any unusual activity in customer behavior. A comprehensive behavior profile of a customer is generated on the basis of customer transactions. The profile... |
| 7028193 |
Method and apparatus for determining the validity of a data processing transaction |
| Apr-11-2006 |
The present invention relates to determining the validity of a transaction of a data processing system such as the validity of a financial transaction carried out at an automatic teller machine (10)... |
| 7020629 |
Momentum investment system, process and product |
| Mar-28-2006 |
The disclosed mutual fund systems, processes and products involve: selecting, from the universe of asset classes, a restricted number of asset classes that have demonstrated superior returns by maintaining... |
| 7016875 |
Single sign-on for access to a central data repository |
| Mar-21-2006 |
Systems and methods for providing access to an information account stored in a central data repository. The information account is associated with a consumer and is subject to the consumer's control and... |
| 7007000 |
Secure online purchasing |
| Feb-28-2006 |
In a method of purchasing online, a client device of a customer communicates a purchase selection which is received by a vendor computer system. The vendor computer system, in response, communicates a... |
| 7004382 |
Payment validation network |
| Feb-28-2006 |
A payment validation network having network of payment validation cells, each of which includes: one or more local qualifier systems for assessing the risk of loss in accepting a check; a service finder... |
| 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... |
| 7003493 |
Direct payment with token |
| Feb-21-2006 |
According to the invention, a method for transferring funds from a sender to one or more recipients using a wide-area computer network is disclosed. In one step, transfer information is received from the... |
| 7003471 |
Method and system for accepting non-toxic mail that has an indication of the mailer on the mail |
| Feb-21-2006 |
A system that determines if mail contains life-harming materials before the mail enters the interior of a receptacle, i.e., mail box. This invention accomplishes the foregoing by issuing stamps that uniquely... |
| 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.... |
| 7000019 |
Establishment of a deferred network communication session |
| Feb-14-2006 |
A method is provided of establishing network communication later in time between a first endpoint entity accessing an information resource over a network and a second endpoint entity, such as a customer... |
| 6999944 |
Method and apparatus for authorizing and billing communications services using a bank card financial network |
| Feb-14-2006 |
According to the invention, a method and apparatus are disclosed for a dynamic communications service bank card billing system for authorizing and billing communications services using a bank card financial... |
| 6996542 |
System and method for paying bills and other obligations including selective payor and payee controls |
| Feb-7-2006 |
A system and method for paying bills without requiring interaction with the payors disclosed. The system includes a payor control interface, a communications interfacee, a bill generator, and a TCF message... |
| 6993505 |
Method and system for performing CRA, HMDA, and fair lending analysis and reporting for a financial institution |
| Jan-31-2006 |
The present invention discloses a method and system for collecting, standardizing, and analyzing lending data from all the offices of a financial institution, including information on small business, home... |
| 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... |
| 6988085 |
System and method for real-time electronic inquiry, delivery, and reporting of credit information |
| Jan-17-2006 |
A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, preferably via the Internet. In the preferred embodiment, the system... |
| 6983882 |
Personal biometric authentication and authorization device |
| Jan-10-2006 |
A personal biometric authentication and authorization device (PAD) provides protection for portable tokens such as magnetic stripe cards and smart cards. The PAD enables portable tokens upon engagement... |
| 6983371 |
Super-distribution of protected digital content |
| Jan-3-2006 |
Briefly according to the present invention, a system, computer readable medium and method to deliver encrypted digital content to from a first system for playing the content to a second system for playing... |
| 6983259 |
Anonymous trading system |
| Jan-3-2006 |
An anonymous trading system has a clique of arbitrators which match orders from trader terminals and execute deals. One or more branches is attached to each arbitrator connecting trader terminals through... |
| 6973172 |
Method for providing a quantity of telephone time from an ATM or POS terminal |
| Dec-6-2005 |
A method for providing a quantity of pre-paid telephone time from an automated teller machine (ATM) or a point-of-sale device (POS terminal), to a patron of either of such device. PIN numbers, obtained... |
| 6971031 |
National identification card system and biometric identity verification method for negotiating transactions |
| Nov-29-2005 |
A method and system for preventing or obstructing a person from negotiating a transaction with another person, group, or entity in a population, includes verifying and crosschecking the identity of the... |
| 6968317 |
Method and apparatus for new accounts program |
| Nov-22-2005 |
A method for opening an on-line brokerage account includes the steps of opening an on-line brokerage account for a user based on account information received from the user, the on-line brokerage account... |
| 6965881 |
Digital credential usage reporting |
| Nov-15-2005 |
An credential verification service (CVS) authenticates digital credentials, such as, digital certificates, at the request of online service providers. The CVS stores the authentication results and transaction... |
| 6963843 |
Electronic commerce system and recording medium |
| Nov-8-2005 |
An exchange value unit identification code is sent to an electronic note generation site from an electronic note user site. When recognizing presence of an exchange value indicated by the exchange value... |
| 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... |
| 6955294 |
Apparatus and method for preventing credit card fraud |
| Oct-18-2005 |
A trigger card and system for preventing credit and debit card fraud is disclosed. The trigger card is adapted to be indistinguishable from typical credit cards and other cards issued by financial institutions.... |
| 6952698 |
Storage area network methods and apparatus for automated file system extension |
| Oct-4-2005 |
The invention provides an improved SAN of type having one or more host digital data processors, coupled to one or more storage devices. At least a selected one of the hosts includes a file system that... |
| 6952683 |
System and method for hedging against foreign exchange risk associated with securities transactions |
| Oct-4-2005 |
A method for hedging an investor against a currency risk associated with a purchase of a security having a value, the investor having purchased the security in a foreign currency and the investor desiring... |
| 6941282 |
Methods and systems for carrying out directory-authenticated electronic transactions including contingency-dependent payments via secure electronic bank drafts |
| Sep-6-2005 |
Disclosed herein are computer-implemented methods and systems for securely carrying out electronic transactions including electronic drafts, wherein payment on at least one of the drafts is contingent... |
| 6941274 |
Automated transaction machine |
| Sep-6-2005 |
The invention relates to an automated transaction machine of the recycling currency type. The machine permits a merchant to both store and withdraw cash. The machine also permits a customer to withdraw... |
| 6934861 |
National identification card system and biometric identity verification method for negotiating transactions |
| Aug-23-2005 |
A method and system for preventing or obstructing a person from negotiating a transaction with another person, group, or entity in a population, includes verifying and crosschecking the identity of the... |
| 6934849 |
Method and system for authorizing a commercial transaction |
| Aug-23-2005 |
The invention relates to a method and system for authorizing a commercial transaction between a customer and a goods or service provider via an authorization service provider with authentication of the... |
| 6932268 |
Dual mode credit card based payment technique |
| Aug-23-2005 |
A technique for directing a credit card based payment to a payee for a payor having a credit card issued by a credit card issuer is provided. A request for a payment service provider to make a payment... |
| 6925451 |
Mail receipt terminal having deposit tracking capability |
| Aug-2-2005 |
A mail receipt terminal for accepting an envelope having evidence of postage applied thereto. The mail receipt terminal includes a controller module and an input scanner module and a printer module, both... |
| 6920435 |
Tokenless biometric electronic transactions using an audio signature to identify the transaction processor |
| Jul-19-2005 |
The invention discloses a tokenless biometric identification computer system, comprising at least a database containing registered biometric samples of users. A comparator compares a bid biometric sample... |
| 6915281 |
Systems and methods using a digital pen for funds accounting devices and postage meters |
| Jul-5-2005 |
A method and system for processing postage payments is described. In one configuration a digital pen is utilized to provide a mail piece identifier. The data provided is utilized to account for postage... |
| 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... |
| 6904136 |
Secure method of payment |
| Jun-7-2005 |
A process for a transfer of funds for payment for goods and/or services in which a purchaser of the goods and/or services requests that a financial services organization generate a financial certificate... |
| 6901251 |
Portable communication apparatus having a man-machine interface and a method for its operation |
| May-31-2005 |
A portable communication apparatus has a man-machine interface, a controller, an operating system, a local storage device for storing a first application, a secure resource which is only accessible from... |
| 6889205 |
Method and system for electronically presenting a statement, message, or file |
| May-3-2005 |
A system and method for preparing and electronically delivering a statement, message, or file to a party. The method may comprise receiving from a party an electronic statement, message, or file, preparing... |
| 6886087 |
Semiconductor memory device |
| Apr-26-2005 |
A semiconductor memory device reliably protects data written once into a non-volatile memory and exhibits high EEPROM data security functionality. The device has a user memory area to which a user can... |
| 6883706 |
Point-of-sale bill authentication |
| Apr-26-2005 |
The invention includes systems, methods and program products for providing real-time point-of-sale paper currency, i.e., bill, authentication and recordation. The invention provides a point-of-sale terminal... |
| 6879965 |
Method, system and computer readable medium for web site account and e-commerce management from a central location |
| Apr-12-2005 |
A method, system and computer readable medium for, from a central Web site, performing at least one of registering a user at a destination Web site, logging in a user at a destination Web site and managing... |
| 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... |
| 6871287 |
System and method for verification of identity |
| Mar-22-2005 |
A system and method for the identification and verification of a user is provided. The disclosed invention has an enrollment system which includes (i) an alphanumeric input device; (ii) a biometric input... |
| 6868402 |
Document transmit system and document transmitting method |
| Mar-15-2005 |
In response to a fee payment request issued from an applicant apparatus via a communication network, a payment acceptance server makes a payment credit inquiry of an applicant to a financial institution... |
| 6868391 |
Tele/datacommunications payment method and apparatus |
| Mar-15-2005 |
A tele/datacommunications network has a service node (TSN) (30) which facilitates payment/transfer from a customer account of a customer financial institution (80) to a merchant account of a merchant financial... |
| 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... |
| 6857566 |
Method and system for conducting transactions using a payment card with two technologies |
| Feb-22-2005 |
A system for conducting financial transactions is provided wherein payment cards have stored account information including a first portion readable by a first machine-readable technology and a second portion... |
