| 6038549 |
Portable 1-way wireless financial messaging unit |
| Mar-14-2000 |
A secure messaging system including a secure messaging system controller (1100) and a first financial messaging unit (906). A user initiates a financial transaction by providing a transaction authentication... |
| 6032137 |
Remote image capture with centralized processing and storage |
| Feb-29-2000 |
A system for remote data acquisition and centralized processing and storage is disclosed called the DataTreasury.TM. System. The DataTreasury.TM. System provides comprehensive support for the processing... |
| 6029150 |
Payment and transactions in electronic commerce system |
| Feb-22-2000 |
A method of payment in an electronic payment system wherein a plurality of customers have accounts with an agent. A customer obtains an authenticated quote from a specific merchant, the quote including... |
| 6028938 |
Secure electronic forms permitting layout revision |
| Feb-22-2000 |
Techniques for ensuring the security of forms data are disclosed. The layout for a particular form is signed separately from the data used to fill out the form using encryption techniques. The signed data... |
| 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... |
| 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... |
| 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... |
| 6012143 |
Method for managing security for card-type storage medium and a transaction apparatus therefor |
| Jan-4-2000 |
In a card-type storage medium and transaction apparatus, when a transaction is started between the card-type storage medium and the transaction apparatus and a data file that is an object of an access... |
| 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,... |
| 6011848 |
Method and system for message delivery utilizing zero knowledge interactive proof protocol |
| Jan-4-2000 |
A scheme for message delivery which can guarantee an authenticity of a user, a reliability of message delivery, and an authenticity of the message deliver, while preventing an illegal act, and which can... |
| 5982893 |
System and method for processing transaction messages |
| Nov-9-1999 |
A method of processing a transaction message is disclosed. The method includes receiving an incoming raw transport message. The raw transport message is stored in a channel interface database. A raw message... |
| 5982890 |
Method and system for detecting fraudulent data update |
| Nov-9-1999 |
A method and system for detecting fraudulent data update of databases connected to a plurality of distributed computers in which a monitor computer connected via a network to the distributed computers... |
| 5974148 |
Method for securing information relevant to a transaction |
| Oct-26-1999 |
A transaction system is disclosed wherein, when a transaction, document or thing needs to be authenticated, information associated with one or more of the parties involved is coded together to produce... |
| 5963648 |
Electronic-monetary system |
| Oct-5-1999 |
An electronic-monetary system having (1) banks or financial institutions that are coupled to a money generator device for generating and issuing to subscribing customers electronic money including electronic... |
| 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... |
| 5956404 |
Digital signature with auditing bits |
| Sep-21-1999 |
A method for digitally signing a message by a tamper-resistant device to generate a digital signature. The method includes the step of hashing the message to form message bits; and encrypting with a private... |
| 5949044 |
Method and apparatus for funds and credit line transfers |
| Sep-7-1999 |
A financial tender transfer system allows a transferor to transfer credit or make payment to a transferee by debiting the credit card of the transferor and crediting the credit card of the transferee.... |
| 5936541 |
Method for securing information relevant to a transaction |
| Aug-10-1999 |
A transaction system is disclosed wherein, when a transaction, document or thing needs to be authenticated, information associated with one or more of the parties involved is coded together to produce... |
| 5930786 |
Method and apparatus for providing shared data to a requesting client |
| Jul-27-1999 |
A method and apparatus for providing object data stored in a database management system to a receiving client. The method comprises the steps of receiving a database query from the client on a first communication... |
| 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... |
| 5917913 |
Portable electronic authorization devices and methods therefor |
| Jun-29-1999 |
A portable electronic authorization device for approving a transaction request originated from an electronic transaction system. The portable electronic authorization device includes first logic circuit... |
| 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... |
| 5915022 |
Method and apparatus for creating and using an encrypted digital receipt for electronic transactions |
| Jun-22-1999 |
A method and apparatus for authenticating electronic transactions carried out over public networks such as the Internet is disclosed. A transaction record which identifies the electronic transaction to... |
| 5910988 |
Remote image capture with centralized processing and storage |
| Jun-8-1999 |
A system for remote data acquisition and centralized processing and storage is disclosed called the DataTreasury.TM. System. The DataTreasury.TM. System provides comprehensive support for the processing... |
| 5903878 |
Method and apparatus for electronic commerce |
| May-11-1999 |
A method for providing validated electronic commerce transactions is disclosed. A transaction order generated by a purchaser has a unique transaction identifier associated therewith and the purchase order... |
| 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... |
| 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... |
| 5884277 |
Process for issuing coupons for goods or services to purchasers at non-secure terminals |
| Mar-16-1999 |
A method for automated issuance of a coupon redeemable for goods or services purchased in a transaction involving a purchaser at a non-secure terminal on a public network is provided. The method includes... |
| 5878143 |
Secure transmission of sensitive information over a public/insecure communications medium |
| Mar-2-1999 |
In order to achieve very secure transmission of sensitive information over a public communications medium such as the Internet to carry out transactions therebetween, an account initialization data set... |
| 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... |
| 5878139 |
Method for electronic merchandise dispute resolution |
| Mar-2-1999 |
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... |
| 5870476 |
Process for pledging data for a secure data exchange protocol |
| Feb-9-1999 |
The process comprises a "pledging" step in which a debtor party transmits to a creditor party a data item which is the image of a pledged data item, and a "commencement" step in which the debtor party... |
| 5848400 |
Electronic check exchange, clearing and settlement system |
| Dec-8-1998 |
An electronic financial transaction clearing and settlement system handles and processes electronic financial transactions on behalf of a set of regional banks and correspondent banks. In particular, each... |
| 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... |
| 5818955 |
Document and signature verification system and method |
| Oct-6-1998 |
A computer-based method and system for capturing and verifying a handwritten signature. The handwritten signature may relate to a document, such as an electronically stored document. An image of the document... |
| 5818937 |
Telephone tone security device |
| Oct-6-1998 |
An encryption device. A user wishes to identify himself to a remote party, over a telephone line. The remote party provides a Transaction Number, TN, to the user. The TN is given to the encryption device.... |
| 5812669 |
Method and system for providing secure EDI over an open network |
| Sep-22-1998 |
A method and system for selectively interconnecting a plurality of computers (112,114) over an open public network (120,102,122), such as the INTERNET, provides a private secure computer exchange of EDI... |
| 5812668 |
System, method and article of manufacture for verifying the operation of a remote transaction clearance system utilizing a multichannel, extensible, flexible architecture |
| Sep-22-1998 |
An architecture for verifying the operation of a remote transaction clearance system is disclosed. A merchant-controlled computer communicates with a test gateway computer over a communications channel.... |
| 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... |
| 5809142 |
Method and system for calculating a user account balance in a recognition system |
| Sep-15-1998 |
A system and method in which a transponder (14) is operable to transmit an original user account balance to an interrogator (12), which in turn calculates a revised user account balance and transmits the... |
| 5796831 |
Method for conducting a transaction between a chip card and an information system |
| Aug-18-1998 |
A method of conducting a transaction between a chip card and an information system protects against fraud and malfunction during the transaction. The method involves a multi-step recording procedure wherein... |
| 5793867 |
System and method for disaster recovery in an open metering system |
| Aug-11-1998 |
System and method for securely backing up and reliably retrieving vault data in a metering system that includes a host processor operatively coupled to a vault. Whenever a transaction is completed by the... |
| 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... |
| 5784460 |
Secured electronic information delivery system having a three-tier structure |
| Jul-21-1998 |
A system is provided for retrieving a selected one of a plurality of encrypted software products stored in at least one storage device, such as a CD-ROM. Each software product is decryptable by a unique... |
| 5778173 |
Mechanism for enabling secure electronic transactions on the open internet |
| Jul-7-1998 |
A method is provided for performing a transaction that is initiated over an open communication network between a user and a remotely located server. The open communication network may be the Internet,... |
| 5764762 |
Encrypted data package record for use in remote transaction metered data system |
| Jun-9-1998 |
The disclosed system relates to metered use cryptographic systems, and particularly to a data package and system operation for effecting metered purchases of encrypted data from a local encrypted database.... |
| 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... |
| 5754654 |
Electronic ticket vending system and method thereof |
| May-19-1998 |
A system comprises an electronic ticket vending and refunding device retained by a ticket publisher, a terminal device having a data input device, a data display device, and a data transmission and reception... |
