| 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... |
| 6856965 |
Method and apparatus for automatic check cashing |
| Feb-15-2005 |
An automated check-cashing unit includes an input device configured to generate input signals in response to inputs from a customer, a storage device including a database of customer information, a check... |
| 6853984 |
Method and apparatus for credit card processing via facsimile |
| Feb-8-2005 |
A method and apparatus for making credit card transactions which includes utilizing a facsimile machine for transmitting credit card information and purchase amount to an information processing center.... |
| 6853973 |
Configurable and stand-alone verification module |
| Feb-8-2005 |
Methods and apparatus, including computer program products, for verifying a player's eligibility for participation in on-line gaming. A method for verifying a player's eligibility to participate in on-line... |
| 6845367 |
Process and device for internet payments by means of security modules |
| Jan-18-2005 |
The present invention describes a device and a method for performing cashless payments between a customer and a dealer. The advantages of the present invention lie in that payments can be performed over... |
| 6842740 |
Method for providing automatic payment when making duplicates of copyrighted material |
| Jan-11-2005 |
A method and system for providing payment when duplicating a document containing copyrighted material, comprising the steps of: locating and electronically reading a billing mark, if it exists, on a document... |
| 6839692 |
Method and apparatus to provide secure purchase transactions over a computer network |
| Jan-4-2005 |
A method and structure for providing secure credit facility transactions for purchasing goods and services over a computer network such as the Internet that stores user's privileged information and other... |
| 6839677 |
Transactional data transfer in a network system |
| Jan-4-2005 |
An internet user using a browser (10) connects to a first server (30) and conducts transactions at the site (30). The user is transferred to a second server (32) along with data relating to the transactions... |
| 6830178 |
Combination bank/phone card and method |
| Dec-14-2004 |
A combination bank/calling card and method for personal telephone, merchant and bank transactions is described. The bank/phone card is similar to a debit/credit card that can be used as a debit or credit... |
| 6826547 |
Printer service denial |
| Nov-30-2004 |
In a system in which a user obtains documents, a method of controlling what is supplied to the user, the method including providing one or more user accounts for the user and providing the or each user... |
| 6824049 |
Card transaction settlement method in point of sale systems |
| Nov-30-2004 |
A card transaction settlement method in a point of sale (POS) system is described. More particularly, a payment by either the credit or debit card is made after an approval before the card transaction... |
| 6823318 |
Secure purchases over a computer network |
| Nov-23-2004 |
A method of purchasing an item by a purchaser includes providing an identity of the item to the purchaser over the Internet on a vendor server. The purchaser then places a telephone call over a telephone... |
| 6817521 |
Credit card application automation system |
| Nov-16-2004 |
A universal credit card system utilizes a portable card access device which stores information associated with multiple bank card accounts, electronically authenticates a user of the bank card accounts,... |
| 6807569 |
Trusted and anonymous system and method for sharing threat data to industry assets |
| Oct-19-2004 |
A system and method serves to anonymously share information about security incidents and vulnerability in corporate and national information infrastructures. The method and system provides for submitting... |
| 6805289 |
Prepaid card payment system and method for electronic commerce |
| Oct-19-2004 |
A prepaid card system enabling access to payment-based websites comprising one or more prepaid cards bearing a stored value and authentication codes; one or more cardholder computers communicating via... |
| 6796489 |
Processing electronic documents with embedded digital signatures |
| Sep-28-2004 |
Systems and methods for processing or recording electronic documents that have embedded digital signatures. In an electronic document, signature blocks are used to embed the digital signatures. When an... |
| 6783062 |
System for inhibiting fraud in relation to the use of negotiable instruments |
| Aug-31-2004 |
The invention relates to a system for inhibiting fraud in relation to the use of negotiable instruments and, particularly, in relation to cheques and credit cards. The system requires the owners of cheques... |
| 6775782 |
System and method for suspending and resuming digital certificates in a certificate-based user authentication application system |
| Aug-10-2004 |
A method and system for certificating and authenticating an identity of a customer of a financial institution using digital certificates is provided. The customer and the financial institution communicate... |
| 6772146 |
Website for financial information |
| Aug-3-2004 |
A system for retrieval and display of financial information to a plurality of users is disclosed. The users are provided with a portal display page which can be customized by the users to include one or... |
| 6766161 |
Method and apparatus for securing communications |
| Jul-20-2004 |
The present invention provides a method and apparatus for identifying and minimizing the use of cloned communicating devices which communicate with a host device. The method requires that the communicating... |
| 6763094 |
Method and device for crediting a creditable machine |
| Jul-13-2004 |
A vending machine, meter or gaming machine crediting method and a device for implementing the method is disclosed. A creditable machine such as a vending machine, gaming machine or payment meter such as... |
| 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... |
| 6758394 |
Identity verification and enrollment system for self-service devices |
| Jul-6-2004 |
A method and system are provided for authorizing a customer to perform transactions with a self-service device. A first set of biometric data regarding the customer is extracted from a verification instrument.... |
| 6754641 |
Dynamic identification interchange method for exchanging one form of identification for another |
| Jun-22-2004 |
The present invention relates to a system having access to the Internet for the purposes of transacting e-mail, e-commerce, and e-business and for communicating voice and data. In addition the present... |
| 6752313 |
Method and system for establishing a credit card transaction processing merchant account |
| Jun-22-2004 |
A method is provided allowing an application processing entity such as an independent sales organization (ISO) or an acquirer bank (ACQ) to establish an active merchant account for processing credit card... |
| 6749114 |
Universal authorization card system and method for using same |
| Jun-15-2004 |
A universal card including encrypted cardholder data and a preferably self executing program, wherein the program loads onto a cardholder's computer and enables the cardholder data to be remotely accessed. |
| 6745936 |
Method and apparatus for generating secure endorsed transactions |
| Jun-8-2004 |
To ensure the data corresponding to transactions has not been altered, a method and system are provided for generating secure endorsed transactions having transaction data representative of transactions... |
| 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... |
| 6721716 |
Payment certification string and related electronic payment system and method |
| Apr-13-2004 |
An electronic statement, bill presentment and payment system and method includes a customer client software program and client database, and a biller server software program and server database connected... |
| 6714931 |
Method and apparatus for forming user sessions and presenting internet data according to the user sessions |
| Mar-30-2004 |
Conventionally, a web site stores Internet data indicating file access status for the files that have been accessed in response to requests from web browsers. Unfortunately, the Internet data are kept... |
| 6714919 |
Device for selectively blocking remote purchase requests |
| Mar-30-2004 |
A method for selectively blocking a remote purchase request based on previous remote purchase requests. The method starts with receiving and storing, in a memory subsystem, information from purchase request... |
| 6714918 |
System and method for detecting fraudulent transactions |
| Mar-30-2004 |
A system for detecting fraudulent transactions is disclosed. The system breaks the transaction down into its component parameters. A first score is computed depending on the propensity of the transacted... |
| 6705517 |
Automated banking machine system and method |
| Mar-16-2004 |
An automated banking machine (12, 200, 302) is provided. The machine may be operative to install a terminal master key (TK) therein in response to at least one input from a single operator. The machine... |
| 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,... |
| 6694202 |
Production management network system, production management method and recording medium having recorded production management program |
| Feb-17-2004 |
The client accesses a reception screen using a public line and makes a contract with the manufacturer. The client can change the manufacturing process without needing an operator at the manufacturing site.... |
| 6684197 |
Method for revaluing a private label card using an electronic commerce terminal |
| Jan-27-2004 |
The present invention relates to a private label card revaluing method for altering the value of a private label card having an associated plurality of transaction data for use with an electronic commerce... |
| 6676310 |
Check writing system and method |
| Jan-13-2004 |
The present disclosure relates to a system and method for facilitating the writing of checks. In some arrangements, the system and methods pertain to receiving data to be included in a check to be printed... |
| 6651885 |
Multi-function transaction processing system |
| Nov-25-2003 |
A multi-function transaction processing system including a transaction terminal having a data entry facility and a transaction processor, the transaction processor being communicatively associated with... |
| 6647376 |
System and method for point-of-sale check authorization |
| Nov-11-2003 |
A point-of-sale check authorization method inputs transaction and financial institution information from a check to be authorized. This information is communicated to a merchant processor operable to make... |
| 6636833 |
Credit card system and method |
| Oct-21-2003 |
A credit card system is provided which has the added feature of providing additional limited-use credit card numbers and/or cards. These numbers and/or cards can be used for a single transaction, thereby... |
| 6628808 |
Apparatus and method for verifying a scanned image |
| Sep-30-2003 |
An apparatus and method capable of verifying a scanned image utilizing a verification algorithm based on a topological analysis of the scanned image and an apparatus and method capable of verifying a scanned... |
| 6616035 |
Method and device for identification and authentication |
| Sep-9-2003 |
A method and a device of identification and authentication of a holder of a mobile electronic transaction device in an electronic transaction process between a transaction service provider and a transaction... |
| 6598030 |
Method and apparatus for pattern generation |
| Jul-22-2003 |
Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data into a financial data... |
| 6594647 |
Real time bank-centric universal payment system |
| Jul-15-2003 |
An infrastructure for a real time bank-centric universal payment system (2) in which a central processing system (CPU) defines an electronic commerce trust system (1) formed from a plurality of financial... |
| 6587867 |
Internet-based subscriber profile management of a communications system |
| Jul-1-2003 |
A telecommunications system includes multiple services. For example, the system provides multiple communications services with a single number for a subscriber. The subscriber can easily configure, manage... |
| 6584568 |
Network provider loop security system and method |
| Jun-24-2003 |
The present invention involves a desktop administration system and method which allows a network administrator to remotely create, protect, and manage desktops and control file systems across a network.... |
| 6584444 |
Virtual private network service provider for asynchronous transfer mode network |
| Jun-24-2003 |
A virtual private network service provider is used to transfer data over a data network to a final destination, with third-party billing. The method comprises the steps of: prompting the user at a data... |
| 6581042 |
Tokenless biometric electronic check transactions |
| Jun-17-2003 |
A tokenless authorization of an electronic check between a payor and a payee using an electronic identicator and at least one payor bid biometric sample is described. The method comprises a payor registration... |
| 6578761 |
Method for issuance of satellite credit and debit cards |
| Jun-17-2003 |
The present invention relates to a method for a credit card holder to issue satellite debit cards out of his pre-established credit card, without the need for prior approval by his credit card company.... |
| 6577274 |
Method and apparatus for controlling access to mobile devices |
| Jun-10-2003 |
According to one embodiment, the invention discloses a method comprising determining a position of a mobile device; and controlling access to said mobile device based on said position. According to another... |
