| 6032118 |
Virtual private network service provider for asynchronous transfer mode network |
| Feb-29-2000 |
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... |
| 6029154 |
Method and system for detecting fraud in a credit card transaction over the internet |
| Feb-22-2000 |
A method and system for detecting fraud in a credit card transaction between consumer and a merchant over the Internet. The method and system comprises obtaining credit card information relating to the... |
| 6023688 |
Transaction apparatus and method that identifies an authorized user by appearance and voice |
| Feb-8-2000 |
A financial transaction apparatus (30) includes a financial transaction machine (32). The machine includes devices (34) including transaction function devices (42, 44, 46, 48) for carrying out operations... |
| 6023682 |
Method and apparatus for credit card purchase authorization utilizing a comparison of a purchase token with test information |
| Feb-8-2000 |
A method and apparatus for credit card purchase authorization includes using a credit card validation unit to transmit to a credit card company computer a purchase amount, a credit card number and a purchase... |
| 6023502 |
Method and apparatus for providing telephone billing and authentication over a computer network |
| Feb-8-2000 |
A purchase authenticating and billing method and system for automatically authenticating customer information and to place charges on customer's telephone bill. The customer authentication and billing... |
| 6021399 |
Space efficient method of verifying electronic payments |
| Feb-1-2000 |
A method of verifying electronic payments generated using a key unknown to the verifier. In anticipation of accepting electronic payments, a seller requests and receives from a bank a conversation key... |
| 6021202 |
Method and system for processing electronic documents |
| Feb-1-2000 |
The invention includes a markup language according to the SGML standard in which document type definitions are created under which electronic documents are divided into blocks that are associated with... |
| 6018724 |
Method and apparatus for authenticating on-line transaction data |
| Jan-25-2000 |
The present invention comprises a method and apparatus for authenticating data related to on-line transactions. The invention utilizes a user-customized certification indicator that informs a user as to... |
| 6018723 |
Method and apparatus for pattern generation |
| Jan-25-2000 |
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... |
| 6018717 |
Method and apparatus for acquiring access using a fast smart card transaction |
| Jan-25-2000 |
A method for using a smart card to gain access through an access device upon payment of a value (V) is performed by first operatively coupling the card to the access device. The access device reads a first... |
| 6016476 |
Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security |
| Jan-18-2000 |
The present invention is a portable client PDA with a touch screen or other equivalent user interface and having a microphone and local central processing unit (CPU) for processing voice commands and for... |
| 6014650 |
Purchase management system and method |
| Jan-11-2000 |
A system and method of implementing a secure purchase management system wherein a unique account code is assigned to a purchaser; a set of secret transaction codes are provided to the purchaser, one secret... |
| 6014635 |
System and method for providing a discount credit transaction network |
| Jan-11-2000 |
A system and method for providing a discount for a credit-based transaction. The system includes a discount credit network wherein a participant holding a transaction card account issued by a card issuer... |
| 6012637 |
Card system for collectively loading right of use in predetermined amount of money and method of processing the card |
| Jan-11-2000 |
A card transaction system and method which includes the card medium, an accepting apparatus for the card medium, and a host computer of a card medium issuer connected to the accepting apparatus via a communication... |
| 6012048 |
Automated banking system for dispensing money orders, wire transfer and bill payment |
| Jan-4-2000 |
An automated banking system for wire transfer of funds is provided with a machine where the user has a card to identify the user as being qualified to use the banking system. The user must know and be... |
| 6012039 |
Tokenless biometric electronic rewards system |
| Jan-4-2000 |
The method of the invention includes a tokenless authorization of a reward transaction between an issuer and a recipient using an electronic identicator and at least one recipient bid biometric sample,... |
| 6012035 |
System and method for supporting delivery of health care |
| Jan-4-2000 |
Effectuation of a health care provision agency cooperative function is established through a communication network linking all the various entities of the cooperative. The entities include the third party... |
| 6009401 |
Relicensing of electronically purchased software |
| Dec-28-1999 |
The present invention, generally speaking, provides a mechanism for use in conjunction with Electronic Software Distribution (ESD) that provides purchase documentation and that allows for convenient re-download... |
| 6003014 |
Method and apparatus for acquiring access using a smart card |
| Dec-14-1999 |
A method for using a smart card to gain access through an access device upon payment of a value (V) is performed by first operatively coupling the card to the access device. The access device reads a first... |
| 5999624 |
Remote financial transaction system |
| Dec-7-1999 |
An apparatus and method for performing remote financial transactions over an interactive network using a user operated payment module such as an initialized remote control device. The secure remote financial... |
| 5995626 |
Electronic shopping method, electronic shopping system and document authenticating method relating thereto |
| Nov-30-1999 |
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... |
| 5991750 |
System and method for pre-authorization of individual account transactions |
| Nov-23-1999 |
An account processing method and system for providing specific pre-authorization parameters for categories of transactions that would otherwise be completely denied authorization using only general authorization... |
| 5991749 |
Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities |
| Nov-23-1999 |
The following procedures describe the use of cellular telephones and other analog or digital wireless communication devices to conduct transactions and activities. These procedures effectively allow such... |
| 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... |
| 5991410 |
Wireless adaptor and wireless financial transaction system |
| Nov-23-1999 |
The present invention is a method of a wireless adaptor receiving financial information, indicative of financial transactions, in PSTN compatible format, encrypting and converting the information into... |
| 5991381 |
Method and apparatus for providing telephone calling card validation over a computer network |
| Nov-23-1999 |
A calling card validation method and system for automatically issuing calling cards and placing charges on customer's telephone bill. The calling card validation is requested in a computer protocol and... |
| 5987440 |
Personal information security and exchange tool |
| Nov-16-1999 |
Utilization of the E-Metro Community and Personal Information Agents assure an effective and comprehensive agent-rule based command and control of informational assets in a networked computer environment.... |
| 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... |
| 5983208 |
System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture |
| Nov-9-1999 |
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... |
| 5978780 |
Integrated bill consolidation, payment aggregation, and settlement system |
| Nov-2-1999 |
The present invention is an integrated bill consolidation, payment aggregation, and account-payment application system. The system acts as a settlements exchange for the execution of payments between households... |
| 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... |
| 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... |
| 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... |
| 5966698 |
Automated payment system and method |
| Oct-12-1999 |
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... |
| 5963647 |
Method and system for transferring funds from an account to an individual |
| Oct-5-1999 |
Disclosed is a system and method for transferring funds. The invention supports funds transfers from a source account to a cash access file which can be accessed virtually twenty-four hours a day by both... |
| 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... |
| 5956697 |
Timer-based fee-charging system for internet |
| Sep-21-1999 |
A timer-based fee-charging system for Internet services eliminates the inconveniences of contracting which are necessary with Internet providers as well as payments of usage fees and subscription rights,... |
| 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... |
| 5930363 |
Card charging systems |
| Jul-27-1999 |
A security device for use in a card charging system where a service or product providing facility issues services or products by the use of credit from a card. The security device comprises signal transmission... |
| 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... |
| 5920847 |
Electronic bill pay system |
| Jul-6-1999 |
A bill pay system wherein participating consumers pay bills to participating billers through a payment network operating according to preset rules. The participating consumers receive bills from participating... |
| 5915246 |
Self-service system |
| Jun-22-1999 |
An automated teller machine (10) or a home banking system (32) is operated to provide, during the delays associated with authorizing and acting upon a user instruction, a sales presentation related to... |
| 5915023 |
Automatic portable account controller for remotely arranging for transfer of value to a recipient |
| Jun-22-1999 |
An apparatus and method of transferring a value from a transferor to a transferee in a transaction executed through a public service telephone network. The method includes the step of exchanging essential... |
| 5909492 |
Network sales system |
| Jun-1-1999 |
A network-based sales system includes at least one buyer computer for operation by a user desiring to buy a product, at least one merchant computer, and at least one payment computer. The buyer computer,... |
| 5903882 |
Reliance server for electronic transaction system |
| May-11-1999 |
A method of managing reliance in an electronic transaction system includes a certification authority issuing a primary certificate to a subscriber and forwarding to a reliance server, information about... |
| 5899983 |
Method for using electronic information services with guarantee of the anonymity of users in relation to the operators of such services |
| May-4-1999 |
Given a use-oriented billing of interactive video services, the method enables the guaranteeing of the anonymity of the service user in relation to the service operator. For this purpose, an authorization... |
| 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... |
| 5884290 |
Method of transferring funds employing a three-node real-time electronic interlock |
| Mar-16-1999 |
A method of transferring funds electronically, is performed by a group of N computers X(1) thru X(N) which are intercoupled to each other, and to another computer Y, by a communication channel. Each computer... |
| 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... |
