| 5883810 |
Electronic online commerce card with transactionproxy number for online transactions |
| Mar-16-1999 |
An online commerce system facilitates online commerce over a public network using an online commerce card. The "card" does not exist in physical form, but instead exists in digital form. The online commerce... |
| 5878138 |
System and method for detecting fraudulent expenditure of electronic assets |
| Mar-2-1999 |
An electronic asset system includes tamper-resistant electronic wallets that store non-transferable electronic assets. To break such tamper-resistant wallets, the criminal is expected to spend an initial... |
| 5870725 |
High volume financial image media creation and display system and method |
| Feb-9-1999 |
An apparatus and method for high volume, and high speed, financial image creation and manipulation. Images of cleared checks are captured and combined with MICR data and customer supplied account history.... |
| 5868236 |
Pin vending dispenser |
| Feb-9-1999 |
A phone card vending machine has a secure, locking cabinet; a card dispenser; a bill acceptor or similar cash acceptor; a printer for printing slip receipts containing an activated PIN; and a controller... |
| 5864830 |
Data processing method of configuring and monitoring a satellite spending card linked to a host credit card |
| Jan-26-1999 |
A data-processing method by which one or more prepaid satellite spending cards are configured and linked to a cardholder's host credit card or card account such that a predetermined available spending... |
| 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... |
| 5826245 |
Providing verification information for a transaction |
| Oct-20-1998 |
Verification information is provided with respect to a transaction between an initiating party and a verification-seeking party, the verification information being given by a third, verifying party, based... |
| 5819226 |
Fraud detection using predictive modeling |
| Oct-6-1998 |
An automated system and method detects fraudulent transactions using a predictive model such as a neural network to evaluate individual customer accounts and identify potentially fraudulent transactions... |
| 5809480 |
Automated, secure inter authority settlement method and system for electronic toll collection |
| Sep-15-1998 |
Electronic toll collection will eventually become standardized on the nation's toll roads making possible non-stop toll payments to many different toll Authorities from a single in-vehicle-device. Such... |
| 5802497 |
Method and apparatus for conducting computerized commerce |
| Sep-1-1998 |
A method of conducting computerized commerce on a number of computer systems connected by a computer network including providing a broker computer system, the broker system having a database of broker... |
| 5796834 |
System and method for controlling the dispensing of an authenticating indicia |
| Aug-18-1998 |
There is disclosed a system and method for dispensing postage (or other graphical security indicia) electronically by using a portable processor containing a maximum amount of preauthorized postage which... |
| 5781632 |
Method and apparatus for secured transmission of confidential data over an unsecured network |
| Jul-14-1998 |
A method and apparatus that allows INternet users to purchase or order goods and services through the INternet by permitting the secured transmission of sensitive financial information. Messages are encrypted... |
| 5774553 |
Foreign exchange transaction system |
| Jun-30-1998 |
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... |
| 5761308 |
System for refunding payment for software |
| Jun-2-1998 |
There is provided a system for refunding payment for software applied to a software distribution system comprising at least one user terminal and a center. The center notifys the user terminal of the deciphering... |
| 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... |
| 5748908 |
Automated, classified expenditure data card recording system |
| May-5-1998 |
This is an expenditure data recording system using a uniquely designed classification binary code (or its equivalent) stored within the point of sale terminal system consisting of a cash register, a credit/debit... |
| 5727156 |
Internet-based automatic publishing system |
| Mar-10-1998 |
A simple method and apparatus for posting hypertext documents to a hypertext server so as to make the hypertext documents accessible to users of the hypertext document system while securing against unauthorized... |
| 5715448 |
Open database system wherein access by subscribers to a network is limited |
| Feb-3-1998 |
Data of textiles for various types of items offered by a different textile company stored in an integrated database (DR) of a data service company item by item, and data of business results relating to... |
| 5715403 |
System for controlling the distribution and use of digital works having attached usage rights where the usage rights are defined by a usage rights grammar |
| Feb-3-1998 |
A system for controlling use and distribution of digital works. The present invention allows the owner of a digital work to attach usage rights to their work. The usage rights define how the individual... |
| 5696909 |
Virtual POS terminal |
| Dec-9-1997 |
The present invention includes the hardware and software necessary to perform virtually any volume of complex transactions, and particularly a large volume thereof, is disposed in a central Application... |
| 5696902 |
System for management of the usage of data consultations in a telecommunication network |
| Dec-9-1997 |
A system for management of the usage of consultations in a telecommunication network, in which one consultation is carried out by communication between a remote server center, and a local subscriber terminal,... |
| 5678010 |
Automated routing of messages over a network |
| Oct-14-1997 |
A system for processing credit card transactions is disclosed. Transaction data to be processed is sent by point of sale terminal to a terminal node connected to a sophisticated communications network.... |
| 5677955 |
Electronic funds transfer instruments |
| Oct-14-1997 |
An electronic instrument is created in a computer-based method for effecting a transfer of funds from an account of a payer in a funds-holding institution to a payee. The electronic instrument includes... |
| 5615110 |
Security system for non-cash transactions |
| Mar-25-1997 |
When a non-cash transaction occurs, the corresponding computer account writing system will be in operation. The computer account writing system outputs information signals which include the transaction... |
| 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... |
| 5539450 |
Methods and systems for providing additional service applications in pay television |
| Jul-23-1996 |
A pay television gaming system including a pay television network having a multiplicity of subscriber units each including a television, receiving apparatus for receiving gaming inputs from the multiplicity... |
| 5530438 |
Method of providing an alert of a financial transaction |
| Jun-25-1996 |
A radio system user (126) is alerted (129) as to the occurrence of a financial transaction by a customer (118). Data (122) is obtained from the customer (118) and used to identify a radio system user (126),... |
| 5465206 |
Electronic bill pay system |
| Nov-7-1995 |
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... |
| 5432506 |
Counterfeit document detection system |
| Jul-11-1995 |
A system for verifying the authenticity of a document that bears a number of fields of strings of variable characters such as a check bearing date of issue field, payee field and numeric and alpha amount... |
| 5396624 |
Account file for off-line transaction authorization |
| Mar-7-1995 |
An approach for handling data representative of invalid transaction cards is disclosed. A memory area 34 in a transaction terminal 16 is divided into a plurality of stacks. Two digits of the invalid account... |
| 5341290 |
Modular system for printing and processing financial documents |
| Aug-23-1994 |
A financial system for processing and printing financial documents takes the form of a professional financial workstation capable of multiple system tasks including financial applications, security operations,... |
| 5329589 |
Mediation of transactions by a communications system |
| Jul-12-1994 |
Methods and apparatus for employing a communications system with actively connects communicating entities to mediate transactions. Disclosed are general methods and apparatus for mediating transactions,... |
| 5311594 |
Fraud protection for card transactions |
| May-10-1994 |
The problems of fraud in card transactions can be reduced by, after requiring the person engaged in the card transaction to initially identify himself, such as by supplying a card number, a) requesting,... |
| 5285382 |
System and method for processing credit and debit card validity and funds transactions from vending machines and similar terminals |
| Feb-8-1994 |
A system and method for processing credit card transactions includes a data processor with memory storage capable of accessing an electronic clearing facility through a time rated (e.g., long distance)... |
| 5267149 |
System and method for registering passwords |
| Nov-30-1993 |
A system and method for registering a password includes a data center that processes and stores transaction data, and a teller window transaction device communicating with the data center. The teller window... |
| 5265008 |
Method of and system for electronic funds transfer via facsimile with image processing verification |
| Nov-23-1993 |
In a system for carrying out financial transactions via facsimile machines, account customized transaction vouchers are completed by at least one party to a transaction. The transaction vouchers issued... |
| 5255182 |
Payment card point-of-sale service quality monitoring system, apparatus, and method |
| Oct-19-1993 |
A system for determining the cause of lost, delayed or erroneous responses in a network for authorizing payment card transactions from the point of view of the point-of-sale terminal that forms part of... |
| 5163097 |
Method and apparatus for providing secure access to a limited access system |
| Nov-10-1992 |
Disclosed is a method and apparatus that protects user passwords and identification numbers by using dynamic and fixed cipher keys to generate one-time access codes that are recognized by an authorization... |
| 5122950 |
Method of and system for electronic funds transfer via facsimile machines |
| Jun-16-1992 |
In a system for carrying out finanical transactions via facsimile machines, account customized transaction vouchers are completed by at least one party to a transaction. The transaction vouchers issued... |
| 5103079 |
System for controlling the use of portable data media |
| Apr-7-1992 |
The invention relates to making use of a "black" list in a system where goods or services are provided in response to a memory card being presented. The complete "black" list is stored in the memory (46)... |
| 5036461 |
Two-way authentication system between user's smart card and issuer-specific plug-in application modules in multi-issued transaction device |
| Jul-30-1991 |
A transaction terminal for use with diverse credit or other transaction cards is provided with an interface unit for receiving a plurality of modules, wherein each module contains programming information... |
| 5010485 |
Apparatus, system and method for creating credit vouchers usable at point of purchase stations |
| Apr-23-1991 |
Apparatus, system and method are provided for processing charge vouchers against charge card accounts administered by a host institution that issues an approval/disapproval to a merchant for a proposed... |
| 4995081 |
Method and system for personal identification using proofs of legitimacy |
| Feb-19-1991 |
The method and system for the invention utilizes any of a number of "proofs of legitimacy" to generate and verify a personal identification card. A card is generated by computing a digital signature of... |
| 4962530 |
System for cryptographing and identification |
| Oct-9-1990 |
According to the invention, the keyboard consists of a matrix of keys and variable visible indicia. Each of the variable visible indicia is associated with a key. Upon each keystroke on the keyboard, the... |
| 4960981 |
Method of and system for electronic funds transfer via facsimile machines |
| Oct-2-1990 |
In a system for carrying out financial transactions via facsimile machines, account customized transaction vouchers are completed by the parties to a transaction, each filling in the amount of the transactions,... |
| 4947028 |
Automated order and payment system |
| Aug-7-1990 |
An automated order and payment system for use by consumers to rapidly order products and services from any location at which the consumer is present at the time of ordering. The system receives information... |
| 4935608 |
Card authorization terminal system in which one terminal transmits data to a designated other terminal |
| Jun-19-1990 |
A card authorization terminal in which a plurality of CATs (card authorization terminals) are connected to a data transmission line. At least one of the CATs comprises: a memory from/into which data can... |
| 4926325 |
Apparatus for carrying out financial transactions via a facsimile machine |
| May-15-1990 |
Financial transactions between buyers and sellers are carried out using at least one facsimile machine improved in accordance with the invention both to transfer electronic funds data among the buyer,... |
| 4884199 |
User transaction guidance |
| Nov-28-1989 |
A user guidance display system provides an animated display of example action being entered into a displayed image of the machine, to show a self-service machine user how the machine is to be operated.... |
| 4879747 |
Method and system for personal identification |
| Nov-7-1989 |
The method and system of the invention utilizes a private key of a public-key cryptosystem key pair to encrypt a non-secret password into a digital signature. The password and the digital signature are... |
