| 6226624 |
System and method for pre-authorization of individual account remote transactions |
| May-1-2001 |
An account processing method and system for providing specific pre-authorization parameters for transactions that require specific pre-authorization by a network user specifying conformity parameters within... |
| 6213391 |
Portable system for personal identification based upon distinctive characteristics of the user |
| Apr-10-2001 |
A system for identifying an individual is determined either by generating an identification profile based on a distinctive biometric characteristic possessed by that person (e.g. voice analysis, finger... |
| 6209104 |
Secure data entry and visual authentication system and method |
| Mar-27-2001 |
The present invention is a secure data entry and visual authentication system that allows a user to securely input and communicate data, including passwords. The system includes a client subsystem (100),... |
| 6202056 |
Method for computer network operation providing basis for usage fees |
| Mar-13-2001 |
A computer network having a requesting node and a providing node permits data transfer therebetween when permitted by an authorizing node. Reports generated in response to authorizations and reports generated... |
| 6202055 |
Positive identification display device and scanner for low cost collection and display of graphic and text data in a secure manner |
| Mar-13-2001 |
A system and method for efficiently processing check or other non-cash financial instrument-initiated is disclosed. The method includes the steps of accepting a check from a person initiating a non-cash... |
| 6193155 |
Method and apparatus for issuing and managing gift certificates |
| Feb-27-2001 |
The present invention relates to a method and apparatus for issuing and redeeming a gift certificate drawn on a credit card or other financial account. The present invention includes a first aspect directed... |
| 6192131 |
Enabling business transactions in computer networks |
| Feb-20-2001 |
A system for creating a log of a conversation includes a convener computer and a plurality of conversation computers interconnected by a computer network. The system includes an arbiter computer and a... |
| 6185545 |
Electronic payment system utilizing intermediary account |
| Feb-6-2001 |
Payments in cash are submitted to a merchant at a point of sale. The payment transaction is effected electronically to credit the end user's intermediary account. Subsequent electronic communications between... |
| 6178409 |
System, method and article of manufacture for multiple-entry point virtual point of sale architecture |
| Jan-23-2001 |
A server 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 consumers. Service requests are associated... |
| 6169975 |
Point-of-distribution pre-paid card vending system |
| Jan-2-2001 |
A novel system and process have been developed whereby a prepaid phone card, or any other similar inventory, may be easily and efficiently distributed at, for example, a point-of-sale. A computerized terminal... |
| 6163771 |
Method and device for generating a single-use financial account number |
| Dec-19-2000 |
A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a... |
| 6144743 |
Information recording medium, recording apparatus, information transmission system, and decryption apparatus |
| Nov-7-2000 |
In the invention, an information recording medium records encrypted information, encrypted key information obtained by encrypting key information for decrypting the encrypted information to obtain original... |
| 6141438 |
Method and control device for document authentication |
| Oct-31-2000 |
A document authentication control device has a card positioning device with a document insertion region, an optical scanner, a data processor that receives data from the optical scanner, a database for... |
| 6134593 |
Automated method for electronic software distribution |
| Oct-17-2000 |
A method for a user to automatically order, unlock and pay for a vendor software application via an automated telephony and/or Internet system. The user requests access to a vendor software application.... |
| 6128602 |
Open-architecture system for real-time consolidation of information from multiple financial systems |
| Oct-3-2000 |
An open-architecture system automatically consolidates information from a plurality of financial systems into a single accounting system without the need for expensive and time-consuming backroom procedures.... |
| 6122625 |
Apparatus and method for secure transacting |
| Sep-19-2000 |
An improved monetary system using electronic media to exchange economic value securely and reliably. The invention provides a complete monetary system having electronic money that is interchangeable with... |
| 6122624 |
System and method for enhanced fraud detection in automated electronic purchases |
| Sep-19-2000 |
A method and system for enhanced fraud detection in electronic purchase transactions from a remote site. A user at a remote terminal attempting to conduct an electronic purchase is prompted to input the... |
| 6119105 |
System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture |
| Sep-12-2000 |
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... |
| 6108642 |
Device for selectively blocking remote purchase requests |
| Aug-22-2000 |
A system for selectively blocking a current remote purchase request based on information gained from at least a previous remote purchase request. The device includes a first data input subsystem capable... |
| 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... |
| 6105010 |
Biometric certifying authorities |
| Aug-15-2000 |
A biometric certifying authority (BCA) management system and method provide and maintain a hierarchical relationship among biometric certifying authorities in the issuance of biometric certificates. Biometric... |
| 6105009 |
Automated teller machine dispenser of debit cards |
| Aug-15-2000 |
An automated machine for dispensing debit cards that includes an automated teller machine (ATM) with input and output capabilities and a dispenser for debit cards that include each one unique identification... |
| 6105007 |
Automatic financial account processing system |
| Aug-15-2000 |
A method and apparatus for closed loop, automatic processing of typical financial transactions, including loans, setting up checking, savings and individual retirement accounts, obtaining cashier's checks,... |
| 6104809 |
Apparatus for verifying an identification card |
| Aug-15-2000 |
Apparatus for verifying an identification card; the card having an imaged of an object or other entity to be identified on a first portion, and a coded representation of an encrypted signal comprising... |
| 6098053 |
System and method for performing an electronic financial transaction |
| Aug-1-2000 |
A system and method for performing an on-line ATM/POS transaction utilizing checking or savings account funds over a public access network is disclosed. The invention comprises creating an electronic financial... |
| 6095413 |
System and method for enhanced fraud detection in automated electronic credit card processing |
| Aug-1-2000 |
A method and system for authorizing an electronic credit card transaction having enhanced measures for detecting fraudulent transactions. A user at a remote terminal attempting to conduct an electronic... |
| 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... |
| 6092057 |
Unattended POS system for automatic control of bank system rejections |
| Jul-18-2000 |
An automatic process for use in point-of-sale credit card or debit card systems for taking corrective action based on information returned from the banking system and/or the point-of-sale system. The automatic... |
| 6088683 |
Secure purchase transaction method using telephone number |
| Jul-11-2000 |
A method of completing a purchase utilizing a first network and a second network, the method being applicable for example to a case in which the second network (which may be the public telephone system)... |
| 6085176 |
Method and apparatus for using search agents to search plurality of markets for items |
| Jul-4-2000 |
A method and apparatus for creating a computerized market for used and collectible goods by use of a plurality of low cost posting terminals and a market maker computer in a legal framework that establishes... |
| 6085171 |
Order entry system for changing communication service |
| Jul-4-2000 |
A system for processing an order to change communication service includes a client that receives order data and an authorization image associated with a customer that desires to change communication service.... |
| 6078907 |
Method and system for electronically presenting and paying bills |
| Jun-20-2000 |
A system and method for preparing and electronically delivering a bill to a billed party. The method may comprise receiving from a billing party an electronic bill file, preparing a redacted bill file... |
| 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... |
| 6076076 |
Prepaid print card system and method |
| Jun-13-2000 |
Prepaid printing services are obtained and provided using remote and host computers. A card or diskette for printing services is purchased and using a remote computer, the host computer is accessed by... |
| 6070154 |
Internet credit card security |
| May-30-2000 |
A method for transmitting credit card numbers in a secure manner through an electronic medium such as the Internet. Credit card numbers typically consist of a string of 10-20 digits, with the exact number... |
| 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... |
| 6064990 |
System for electronic notification of account activity |
| May-16-2000 |
Disclosed is a system for notifying a user of account activity, such as a withdrawal from a savings or checking account. A computer system maintains information on financial accounts and electronic user... |
| 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... |
| 6058383 |
Computationally efficient method for trusted and dynamic digital objects dissemination |
| May-2-2000 |
A computationally efficient method for trusted and dynamic dissemination of digital objects. Related digital objects of various types are grouped, based on their usage and functionality, by an information... |
| 6058381 |
Many-to-many payments system for network content materials |
| May-2-2000 |
A payment method (100) suitable for network (10) transactions in merchandise (12) between purchasers (14) and vendors (18), employing the services of guarantors (16) which issue vouchers (20) for payment.... |
| 6052675 |
Method and apparatus for preauthorizing credit card type transactions |
| Apr-18-2000 |
The method and apparatus for pre-authorizing transactions includes providing a communications device to a vendor and a credit card owner. The credit card owner initiates a credit card transaction by communicating... |
| 6049787 |
Electronic business transaction system with notarization database and means for conducting a notarization procedure |
| Apr-11-2000 |
A center site is disposed to intervene in a business transaction achieved through a network. The center site includes an open business information database in which open business information received from... |
| 6049781 |
Relocation tracking system and method |
| Apr-11-2000 |
A relocation tracking system (10) and method are provided. The relocation tracking system (10) includes a mass storage device for storing a relocation database (22) and a processor (40). Relocation database... |
| 6047270 |
Apparatus and method for providing account security |
| Apr-4-2000 |
An apparatus and method for providing account security which includes a receiver for receiving one of a limitation and a restriction on usage of an electronic money account, wherein the one of a limitation... |
| 6047265 |
Online gift-presentation system including, a server system, terminal equipment, a gift-presenting method, and a computer-readable recording medium |
| Apr-4-2000 |
An online gift-presentation system in which, when a server system transmits encoded gift-contents and gift-presentation data thereof to a client as a gift-presenter and a client as a gift-receiver sends... |
| 6044362 |
Electronic invoicing and payment system |
| Mar-28-2000 |
A system for automated electronic invoicing and payment system for providing remote customer review of automated billing from an invoicer. The system includes invoice presentment electronics having a control... |
| 6041315 |
Automated payment system and method |
| Mar-21-2000 |
A system and method of collecting payments uses an automated system to generate a draft, payable to the creditor and drawn on the payor's checking account, pursuant to the payor's authorization. The draft... |
| 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... |
