| 6289322 |
Electronic bill processing |
| Sep-11-2001 |
A method of electronically presenting billing information, includes receiving billing information associated with a plurality of different billers, different portions of which represent bills for different... |
| 6285991 |
Secure interactive electronic account statement delivery system |
| Sep-4-2001 |
The present invention consists of a secure interactive electronic account statement delivery system suitable for use over open networks such as the Internet. The invention utilizes a certification hierarchy... |
| 6269348 |
Tokenless biometric electronic debit and credit transactions |
| Jul-31-2001 |
The invention satisfies these needs by providing a method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic third party identicator and at... |
| 6249865 |
Systems and methods for a user to access digital data provided by an on-line server over a data network |
| Jun-19-2001 |
Systems and methods are provided for a user to access digital data provided by an on-line server over a data network, and for allowing a billing system separate from the on-line server to charge the user... |
| 6230148 |
Tokenless biometric electric check transaction |
| May-8-2001 |
A tokenless authorization of an electronic check between a payor and a payee using an electronic third party identicator and at least one payor bid biometric sample is described. The method comprises a... |
| 6185307 |
Cryptography security for remote dispenser transactions |
| Feb-6-2001 |
The invention relates to providing secure transactions with a tag and POS device associated with a host network authorization system. In doing so, the tag is adapted to bi-directionally communicate with... |
| 6178243 |
User-controlled document processing |
| Jan-23-2001 |
A system and method for selectable encryption of documents employing a document generator and a user-controlled document encryptor operative to encrypt user-selector portions of a document generated on... |
| 6163772 |
Virtual point of sale processing using gateway-initiated messages |
| Dec-19-2000 |
Secure transmission of data is provided between a plurality of computer systems over a public communication system, such as the Internet. For example, secure transmission of data is provided between a... |
| 6092053 |
System and method for merchant invoked electronic commerce |
| Jul-18-2000 |
A system and method for merchant invoked electronic commerce allowing consumers to purchase items over a network and merchants to receive payment information relating to the purchases. The system includes... |
| 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... |
| 6076078 |
Anonymous certified delivery |
| Jun-13-2000 |
A number of fault-tolerant methods for purchasing digital goods with a digital token over a network in which the token's value resides either with a customer or a merchant are disclosed. One version of... |
| 6072870 |
System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture |
| Jun-6-2000 |
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... |
| 6029151 |
Method and system for performing electronic money transactions |
| Feb-22-2000 |
The present invention relates to electronic monetary systems in general, and in particular to measures for making their use easier for an average user. The present invention is based on the idea that the... |
| 6026166 |
Digitally certifying a user identity and a computer system in combination |
| Feb-15-2000 |
Digital certification method in which a first digital signature dependent upon a first user identity and a first user system in combination, is stored accessibly to a certification server. The first user... |
| 6026163 |
Distributed split-key cryptosystem and applications |
| Feb-15-2000 |
A distributed split-key cryptosystem and application in a public-key setting wherein each of a plurality of trustees independently selects his own secret-public key pair. The trustees combine their public... |
| 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... |
| 6014646 |
Process for making a payment using an account manager |
| Jan-11-2000 |
The present invention relates to a process for making a payment using an account manager or kiosk, the process guaranteeing the payment of the supplier and the anonymity of the customer. A customer (U)... |
| 6014636 |
Point of sale method and system |
| Jan-11-2000 |
A method for providing point-of-sale (POS) payment using interactive television (ITV) or the world wide web (WWW) by directly debiting a customer's bank account through electronic transfer of funds or... |
| 6005939 |
Method and apparatus for storing an internet user's identity and access rights to world wide web resources |
| Dec-21-1999 |
A method and apparatus for obtaining user information to conduct secure transactions on the Internet without having to re-enter the information multiple times is described. The method and apparatus can... |
| 6003765 |
Electronic cash implementing method with a surveillance institution, and user apparatus and surveillance institution apparatus for implementing the same |
| Dec-21-1999 |
A method for implementing an electronic cash system with a surveillance institution, in which a user sends a request for the issuance of electronic cash of a face value X to a bank together with user information... |
| 5999625 |
Method for electronic payment system with issuer control |
| Dec-7-1999 |
A cryptographic method implemented on an electronic communication network interconnecting a plurality of terminals represents funds in a way that is secure at the issuer and secure when funds move from... |
| 5996076 |
System, method and article of manufacture for secure digital certification of electronic commerce |
| Nov-30-1999 |
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 party in communication... |
| 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... |
| 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... |
| 5978918 |
Security process for public networks |
| Nov-2-1999 |
A practical method and system for supplementing or replacing current security protocols used on public networks involving the distribution of a proprietary system for use on a public network access provider's... |
| 5970477 |
Method and system for allocating costs in a distributed computing network |
| Oct-19-1999 |
A method and system for providing an end-user with Internet access and allocating a cost associated with that access among the end-user and Internet sites 18 accessed by the end-user. A supervisory program... |
| 5956700 |
System and method for paying bills and other obligations including selective payor and payee controls |
| Sep-21-1999 |
A system and method for paying bills without requiring interaction with the payors disclosed. The system includes a payor control interface, a communications interface, a bill generator, and a TCF message... |
| 5930777 |
Method of charging for pay-per-access information over a network |
| Jul-27-1999 |
A method for charging a consumer for access, over a network, to a vendor's information; in particular, a method for this pay-per-access over the Internet. The method uses a third-party, called a banker,... |
| 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,... |
| 5903652 |
System and apparatus for monitoring secure information in a computer network |
| May-11-1999 |
A secure transaction system apparatus and method provide for the auditing of secure messages in a computer network. The secure transaction system includes an electronic commerce service which is in communication... |
| 5898777 |
Digital product dissemination and sale |
| Apr-27-1999 |
Digital product dissemination and sale occurs across a broad spectrum of distribution platforms making available a packaged digital product for wide spread public distribution. Execution of a packaged... |
| 5890137 |
On-line shopping system and the method of payment settlement |
| Mar-30-1999 |
When performing on-line shopping using the Internet, and when performing payment settlement for a product by a credit card, user's card data runs over the Internet, leaving the possibility of card data... |
| 5884280 |
System for and method of distributing proceeds from contents |
| Mar-16-1999 |
A content proceeds distribution system distributes proceeds of a sold content to third parties. Each of the third parties has a right of charge, not prescribed in a sales contract, at a rate corresponding... |
| 5878141 |
Computerized purchasing system and method for mediating purchase transactions over an interactive network |
| Mar-2-1999 |
A computerized, electronic purchase mediating system includes a purchaser database having a list of purchasers and a merchant database having a list of merchants. The purchaser database stores information... |
| 5870473 |
Electronic transfer system and method |
| Feb-9-1999 |
A system and method relating to secure communications in a communication network is disclosed. The invention uses sessions having limited duration to enable parties to communicate securely in the communication... |
| 5857023 |
Space efficient method of redeeming electronic payments |
| Jan-5-1999 |
A method of redeeming for a seller electronic payments generated by and received from a customer using a master key unknown to the seller. In anticipation of making electronic payments, a customer sends... |
| 5848161 |
Method for providing secured commerical transactions via a networked communications system |
| Dec-8-1998 |
In a networked communications system comprising a client unit, a secured host server, and a company subscriber unit, a method for providing secured commercial transactions via the networked communications... |
| 5845070 |
Security system for internet provider transaction |
| Dec-1-1998 |
This invention provides security controls against exposing Confidential Information that is required to purchase goods and services from Internet Entity 56 offered on a home page site. The Confidential... |
| 5825884 |
Method and apparatus for operating a transactional server in a proprietary database environment |
| Oct-20-1998 |
A transactional server system for transferring subscriber information requests to information service providers, and methods of operating the same result in discouraging reconstruction of the subscriber... |
| 5825883 |
Method and apparatus that accounts for usage of digital applications |
| Oct-20-1998 |
A method and apparatus that accounts for utilization of digital applications on an as used basis is accomplished by compensating a publisher for each use of its digital application instead of a lump sum... |
| 5825881 |
Public network merchandising system |
| Oct-20-1998 |
A system for conducting commerce over a large public network such as the Internet. The system facilitates communications between a merchant, a customer, and a bank or credit card processor. |
| 5812670 |
Traceable anonymous transactions |
| Sep-22-1998 |
Encryption is a common tool to achieve privacy of communication in networks whose lines are not physically protected. In most communication networks, however, having a sender S send an encrypted message... |
| 5809144 |
Method and apparatus for purchasing and delivering digital goods over a network |
| Sep-15-1998 |
A method for purchasing and delivering goods over a network is comprised of the steps of identifying a digital good to be purchased. A purchase price for the digital good is negotiated. After the negotiation... |
| 5790677 |
System and method for secure electronic commerce transactions |
| Aug-4-1998 |
An electronic commerce system facilitates secure electronic commerce transactions among multiple participants. Each electronic commerce transaction involves at least one commerce document defining the... |
| 5790667 |
Personal authentication method |
| Aug-4-1998 |
A user i calculates authentication application information involving a random-number parameter and transmits it to a sales company A. At the sales company A, the received authentication application information... |
| 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... |
| 5757917 |
Computerized payment system for purchasing goods and services on the internet |
| May-26-1998 |
A method and system for use on a quasi-public network, such as the Internet, to enable users of the network to conduct commercial transactions involving a payment of funds by one user to another user of... |
| 5740246 |
Crypt key system |
| Apr-14-1998 |
The present invention provides a concrete structure for applying a crypt key system to a television system, a database system or an electronic commercial transaction system or the like. This system consists... |
| 5715314 |
Network sales system |
| Feb-3-1998 |
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,... |
