| 5754653 |
Coding formula for verifying checks and credit cards |
| May-19-1998 |
A method is disclosed for verifying that a check user, a credit card holder, or an account user is authorized to complete a transaction. The issuer of the check or credit card or the verifying entity assigns... |
| 5748740 |
Method, apparatus, system and firmware for secure transactions |
| May-5-1998 |
The present invention relates to an electronic module used for secure transactions. More specifically, the electronic module is capable of passing information back and forth between a service provider's... |
| 5742683 |
System and method for managing multiple users with different privileges in an open metering system |
| Apr-21-1998 |
A system and method of managing multiple users of an open metering system, wherein the users have different access privileges, includes the steps of providing a user password system for vault access; programing... |
| 5737423 |
Old modified smart card or similar apparatus having a remote inspection capability |
| Apr-7-1998 |
An apparatus and method for remote inspection of a smart card or similar apparatus. A smart card includes an antenna and receiver for receiving transmitted messages and a display. The smart card responds... |
| 5724424 |
Digital active advertising |
| Mar-3-1998 |
A complete system for the purchasing of goods or information over a computer network is presented. Merchant computers on the network maintain databases of digital advertisements that are accessed by buyer... |
| 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,... |
| 5706347 |
Method and system for authenticating a computer network node |
| Jan-6-1998 |
A method and system for verifying the identity of a computer network node is provided. As part of the session initiation process between two partner nodes planning to exchange sensitive encrypted data,... |
| 5696824 |
System for detecting unauthorized account access |
| Dec-9-1997 |
A method and system for detecting unauthorized account access. The system may operate in conjunction with known methods of remote access authentication. The system provides a unique account for each authorized... |
| 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... |
| 5671279 |
Electronic commerce using a secure courier system |
| Sep-23-1997 |
A courier electronic payment system provides customers, merchants, and banks with a secure mechanism for using a public network as a platform for credit card payment services. The system governs the relationship... |
| 5666420 |
Simultaneous electronic transactions |
| Sep-9-1997 |
A communication method between a first and second party, in the presence of a trusted party, that enables a transaction in which the second party receives a first value produced by the first party and... |
| 5659616 |
Method for securely using digital signatures in a commercial cryptographic system |
| Aug-19-1997 |
A system for securely using digital signatures in a commercial cryptographic system that allows industry-wide security policy and authorization information to be encoded into the signatures and certificates... |
| 5647017 |
Method and system for the verification of handwritten signatures |
| Jul-8-1997 |
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... |
| 5642419 |
Method for acquiring and revalidating an electronic credential |
| Jun-24-1997 |
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... |
| 5633930 |
Common cryptographic key verification in a transaction network |
| May-27-1997 |
A stored value transaction system has a plurality of value storing transfer devices, including at least one local device, collection device, consolidation device and settlement device. First and second... |
| 5629981 |
Information management and security system |
| May-13-1997 |
A closed loop, (networked) information management and security system which provides a secure, end-to-end fully automated solution for controlling access, transmission, manipulation, and auditability of... |
| 5625694 |
Method of inhibiting token generation in an open metering system |
| Apr-29-1997 |
A method is provided for inhibiting the generation of digital tokens in an open metering system that includes a host processor and a vault. The method includes the steps of generating in the host processor... |
| 5623547 |
Value transfer system |
| Apr-22-1997 |
A value transfer system which allows value to be transferred between electronic purses comprises computer which controls the loading of purses with value and the redemption of value from purses, a special... |
| 5621797 |
Electronic ticket presentation and transfer method |
| Apr-15-1997 |
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... |
| 5621796 |
Transferring information between transaction networks |
| Apr-15-1997 |
A stored value transaction system has a plurality of value storing transfer devices. First and second stored value transaction networks each include at least one local value storing device, at least one... |
| 5615269 |
Ideal electronic negotiations |
| Mar-25-1997 |
There is described an electronic communications method between a first party and a second party, with assistance from at least a plurality of trustees, enabling an electronic transaction in which the first... |
| 5615268 |
System and method for electronic transmission storage and retrieval of authenticated documents |
| Mar-25-1997 |
A system and method is provided that implements digital encryption for the electronic transmission, storage and retrieval of authenticated documents and that enables the establishment of the identity of... |
| 5604802 |
Transaction processing system |
| Feb-18-1997 |
A transaction processing system comprises at least one transaction terminal (10, 11, 12) having means to receive characteristic data from a user, which characteristic data is required to generate a characteristic... |
| 5596642 |
Network settlement performed on consolidated information |
| Jan-21-1997 |
A system for determining value in a stored value transaction system has a plurality of value storing devices. A first network consolidation device is provided for receiving stored value information from... |
| 5590198 |
Open metering system with super password vault access |
| Dec-31-1996 |
A super password is a one time use password that is issued to a user for the singular purpose of reinitializing the user password system for a meter. When the meter is manufactured, the meter and the Data... |
| 5590196 |
Secure payment method using facsimile |
| Dec-31-1996 |
Electronic funds transfer processes are being put into place to replace the paper based check clearing process. Although ubiquitous in the business environment, facsimile transmission technology has not... |
| 5577121 |
Transaction system for integrated circuit cards |
| Nov-19-1996 |
A transaction system and method of conducting a transaction between in integrated circuit (IC) card and a transaction terminal which includes a security module comprises establishing communication between... |
| 5577120 |
Method and apparatus for restrospectively identifying an individual who had engaged in a commercial or retail transaction or the like |
| Nov-19-1996 |
Individuals are provided with a transaction card which is to be presented for at least certain classes of transactions, e.g., truck rentals, purchases of chemicals, etc. Encoded electronically within the... |
| 5559887 |
Collection of value from stored value systems |
| Sep-24-1996 |
A first transfer device receives a first transaction signal from a second transfer device and provides a first certification signal. The second transfer device receives the first certification signal and... |
| 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... |
| 5555303 |
Secure transaction system and method utilized therein |
| Sep-10-1996 |
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... |
| 5544255 |
Method and system for the capture, storage, transport and authentication of handwritten signatures |
| Aug-6-1996 |
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... |
| 5544086 |
Information consolidation within a transaction network |
| Aug-6-1996 |
A system for determining value in a stored value transaction system has a plurality of value transferring devices including a local device, a collection device, a consolidation device and a settlement... |
| 5539825 |
Electronic cashless transaction system |
| Jul-23-1996 |
A key control method is for use in an electronic cashless transaction system including at least a bank center, a store transaction terminal and an IC card being used as an electronic cashless transaction... |
| 5539822 |
System and method for subscriber interactivity in a television system |
| Jul-23-1996 |
A system for providing interactive services in a subscription television system comprises a system network controller for controlling the interactive services having controller memory for storing subscriber... |
| 5524073 |
Secure transaction system and method utilized therein |
| Jun-4-1996 |
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... |
| 5479510 |
Automated data card payment verification method |
| Dec-26-1995 |
A method of data transmission over existing telephone lines and later verification of that transmission includes electronic payment verification using telephone transmission of payment information and... |
| 5457305 |
Distributed on-line money access card transaction processing system |
| Oct-10-1995 |
A distributed on-line transaction processing system (10) that functions with to any existing credit card and debit bank card processing center (18). The system (10) consists of a customer data-input station... |
| 5440634 |
Value transfer system |
| Aug-8-1995 |
A plurality of electronic purses communicate with each other to transfer values in transactions off-line from a main computer. A transfer message protocol of a transaction between electronic purses includes... |
| 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... |
| 5396558 |
Method and apparatus for settlement of accounts by IC cards |
| Mar-7-1995 |
An IC card has a card information memory area wherein there are written a master public key nA, card secret keys pU and qU, a card public key nU, a card identification number IDU, and a first master digital... |
| 5377268 |
Metering system with remotely resettable time lockout |
| Dec-27-1994 |
A metering system requires a user to provide periodic, accurate meter readings to a billing authority. The metering system includes a mechanism for dispensing postage or another accountable quantity, an... |
| 5371797 |
Secure electronic funds transfer from telephone or unsecured terminal |
| Dec-6-1994 |
A secure electronics funds or other financial transaction system that provides substantially equivalent security to that obtained by the use of secure point of sale terminals such as automatic teller machines,... |
| 5343529 |
Transaction authentication using a centrally generated transaction identifier |
| Aug-30-1994 |
Each access attempt transmitted to an authentication agency causes the agency to produce a request identifier unique to that request. The request identifier is transmitted back to the authentication code... |
| 5341428 |
Multiple cross-check document verification system |
| Aug-23-1994 |
A check or other document verification method in which a data encryption algorithm is applied to personal identification number (PIN) and selected other information particular to each document such as... |
| 5337358 |
Apparatus for recording a transaction including authenticating an identification card |
| Aug-9-1994 |
Apparatus for recording a transaction where the transaction includes authenticating an identification card; the card having information pertaining to an object or other entity to be identified on a first... |
| 5319710 |
Method and means for combining and managing personal verification and message authentication encrytions for network transmission |
| Jun-7-1994 |
The method and means of transmitting a user's transaction message to a destination node in a computer-secured network operates on the message, and a sequence number that is unique to the transaction message... |
| 5297202 |
Apparatus and method for producing a digitized transaction record including an encrypted signature |
| Mar-22-1994 |
A method and system for generating a completed payment document ready for signature in image form. The document is signed by a customer and a copy of the signature is captured in digital form. Thereafter... |
| 5283829 |
System and method for paying bills electronically |
| Feb-1-1994 |
An electronic bill payment system and method include billing equipment for creating approval records and generating approval numbers for each pre-authorized subscriber. The system also includes an interactive... |
| 5267314 |
Secure transaction system and method utilized therein |
| Nov-30-1993 |
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... |
