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US20140279555 DYNAMICALLY ALLOCATED SECURITY CODE SYSTEM FOR SMART DEBT AND CREDIT CARDS  
This invention provides a dynamically generated security code for smart, debit and credit cards as a way to thwart fraudulent use of these cards in financial transactions. The card internally...
US20140108261 SYSTEMS AND METHODS FOR PAYMENT MANAGEMENT FOR SUPPORTING MOBILE PAYMENTS  
Systems and methods for managing mobile payments is provided. An account issuer provides an application that is loaded onto a mobile device, which enables a consumer to pay for transactions. The...
US20140025583 ELECTRONIC TRANSACTION VERIFICATION SYSTEM WITH BIOMETRIC AUTHENTICATION  
An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction...
US20120221475 MOBILE TRANSACTION DEVICE SECURITY SYSTEM  
Embodiments of the invention include apparatuses, methods, and computer-program products that provide for a unique financial transaction security system. In one embodiment, the financial...
US20110191250 Methods and Apparatus for Conducting Electronic Transactions  
A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use...
US20110191249 Methods and Apparatus for Conducting Electronic Transactions  
A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use...
US20110191248 Methods and Apparatus for Conducting Electronic Transactions  
A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use...
US20140052640 ENSURING SECURE ELECTRONIC TRANSACTIONS BETWEEN A WALLET SERVICE CENTER AND A CLUSTER OF ELECTRONIC WALLET TRANSACTION FACILITIES  
Ensuring secure electronic transactions between a wallet service center and a cluster of electronic wallet transaction facilities provided at a user device involves registering the cluster of...
US20130191289 METHOD AND SYSTEM FOR UTILIZING AUTHORIZATION FACTOR POOLS  
One embodiment of the present disclosure provides a system and associated processes for sharing cardholder data (CHD) between a merchant that utilizes tokenization and a second merchant that may or...
US20120191613 SYSTEMS AND METHODS FOR VIRTUAL MOBILE TRANSACTION  
Disclosed is a computer based method including receiving a request, by a virtual mobile transaction computer, from a user device or from an application running on the user device. The user and the...
US20120101950 ELECTRONIC CURRENCY AND AUTHENTICATION SYSTEM AND METHOD  
An electronic currency and authentication system and method. An electronic money validator is attached to electronic money. The electronic money validator authenticates the electronic money...
US20110208657 Mobile monetary transactions and banking for rural populations  
Authenticating users for mobile transactions conducted over mobile phones. In general, the present invention makes it possible to securely authenticate a rural user (using the unique user ID from...
US20130262316 Securely Selling and Purchasing of Goods through Social Network Sites Using a Secure Mobile Wallet System as a Mobile Commerce  
A secure and convenient product purchasing system and method are disclosed to allow for online sale and purchase of goods by means of a social network site using a mobile wallet system as an...
US20120215700 PAYMENT SYSTEMS AND METHODS USING MOBILE COMPUTING DEVICES  
Systems and methods for the processing of payments to retail establishments using mobile computing devices. A user of a mobile computer device takes a digital image of a specific bar code at a...
US20120078799 SECURE PAYMENT SERVICE AND SYSTEM FOR INTERACTIVE VOICE RESPONSE (IVR) SYSTEMS  
A secure payment method includes receiving, at a computer of a payment service, a request from a requester for a one time use transaction identification token for a transaction. The one time use...
US20110258121 METHOD AND APPARATUS FOR PROVIDING AUTOMATED PAYMENT  
An approach is provided for conducting transactions via an audio token base payment system. An audio payment manager receives a request, at a device, for payment to a merchant, the request...
US20140164251 USER GENERATED AUTONOMOUS DIGITAL TOKEN SYSTEM  
A digital token system and methods to provide user generated digital tokens includes receiving from a plurality of users authorization to create one or more unique tokens without approval from a...
US20130226813 Cyberspace Identification Trust Authority (CITA) System and Method  
When two parties of a cyberspace transaction register their identity attributes under a CITA system each party is assigned a unique, encrypted and digitally signed identity token. When the...
US20120041881 SECURING EXTERNAL SYSTEMS WITH ACCOUNT TOKEN SUBSTITUTION  
Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant...
US20110137803 SECURE ELECTRONIC RECEIPT SYSTEMS AND METHODS  
The present disclosure relates to secure electronic receipt systems and methods. The present invention removes the need for paper-based receipts while preserving security through use of a digital...
US20130046697 Using Mobile Device to Prevent Theft of User Credentials  
Systems and methods are provided to prevent unauthorized credit and debit transactions. A system creates a transactional, or one-time-use PIN in response to a request from a mobile device, such as...
US20120116976 VERIFICATION OF PORTABLE CONSUMER DEVICE FOR 3-D SECURE SERVICES  
Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a...
US20130262315 System for Secure Purchases Made by Scanning Barcode Using a Registered Mobile Phone Application Linked to a Consumer-Merchant Closed Loop Financial Proxy Account System  
A secure product purchasing system and method are disclosed to allow for online purchase of goods or services by means of a proprietary graphical or barcode-represented printed or on-line digital...
US20080201264 PAYMENT CARD FINANCIAL TRANSACTION AUTHENTICATOR  
A payment card financial transaction authenticates for providing overall financial network security computes a number of results from a cryptographic key that match values that were selectively...
US20140136419 LIMITED USE TOKENS GRANTING PERMISSION FOR BIOMETRIC IDENTITY VERIFICATION  
Systems and methods are described herein for granting permission for biometric identity verification by a third-party using a limited-use token. A merchant point of sale (“POS”) system may rec...
US20140074720 VIRTUAL ACCOUNT AND TOKEN-BASED DIGITAL CASH PROTOCOLS  
The virtual account and token-based digital cash token protocols use a combination of blind digital signatures and pseudonym authentication with at least two pairs of public and private keys. A...
US20110145152 SYSTEMS, APPARATUS, AND METHODS FOR IDENTITY VERIFICATION AND FUNDS TRANSFER VIA A PAYMENT PROXY SYSTEM  
Systems, apparatus, and methods for verifying a user's identity and conducting a transfer of funds via a payment proxy system are herein provided. A message including a request for verification of...
US20110307388 METHODS AND SYSTEMS FOR PAYMENT PROCESSING BASED ON A MOBILE PHONE NUMBER  
Described herein are methods and systems for processing a consumer payment based on a mobile phone number of a mobile device of a consumer. In one embodiment, a method includes initiating a payment...
US20130282588 Consumer, Merchant and Mobile Device Specific, Real-Time Dynamic Tokenization Activation within a Secure Mobile-Wallet Financial Transaction System  
A secure system and method are disclosed to effectuate financial transactions over a secure internet backbone establishing and using a secure closed loop financial transactional system encompassing...
US20140164253 METHOD AND SYSTEM FOR PROCESSING INTERNET PURCHASE TRANSACTIONS  
A method for minimizing risk of a consumer performing a fraudulent Internet purchase transactions using a transaction card is disclosed herein, the method comprising receiving an enrollment...
US20130232084 Mobile Financial Transaction System and Method  
The present invention relates to a mobile financial transaction system (1) and method (100) which is operated on mobile device (3) and enables user information to be carried on SIM card (2) by...
US20130054470 System for Payment via Electronic Wallet  
A method includes receiving a request to process, against an electronic wallet, a portion of a transaction, an electronic wallet optionally comprising a sub-wallet, the transaction processed...
US20120030121 SECURE ACTIVATION BEFORE CONTACTLESS BANKING SMART CARD TRANSACTION  
The invention relates to a portable token equipped with non-volatile memory, the token comprising authentication means to authenticate a holder of the token, authorization means to define the...
US20130173475 SYSTEM FOR SECURE PAYMENT OVER A WIRELESS COMMUNICATION NETWORK  
A method of conducting secure electronic credit payments to a payment acquirer using a credit payment unit, comprising of a smart card, a portable card reader device and a mobile phone, and a...
US20080086424 Guest Limited Authorization For Electronic Financial Transaction Cards  
Generally speaking, systems, methods and media for authorizing a guest to use an electronic financial transaction card, such as a credit card or debit card, are disclosed. Embodiments may include...
US20140310181 ANONYMOUS ONLINE PAYMENT SYSTEMS AND METHODS  
In various embodiments, a server grants access to a plurality of anonymous one-time-usable, time-sensitive encrypted tokens that identify consumer purchase orders. A plurality of certified merchant...
US20140297537 AUTOMATED APPLICATION PROGRAMMING INTERFACE (API) SYSTEM AND METHOD  
A method for leveraging email to complete an online transaction from a third party vendor, the method comprising: storing customer information, the customer information including a customer name,...
US20120271771 METHODS AND APPARATUS FOR CONDUCTING ELECTRONIC TRANSACTIONS  
A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token,...
US20080183627 Filtered healthcare payment card linked to tax-advantaged accounts  
A system, method and computer program product for linking healthcare purchases to tax advantaged accounts by means of a card containing a card member's data. The system assists in substantiating...
US20140330726 SMART CARD WITH VERIFICATION MEANS  
The present invention is directed to a smartcard that enables a one-time pin code offline security authentication with a card reader. This is achieved by generating a one-time pin code when the...
US20130311380 NETWORK TRANSACTIONS  
A system and method which enable online network participants to enter into transactions with each other are provided. Accounts are maintained for first and second network participants, and an...
US20110029436 Methods And Systems For Delivering Sponsored Out-Of-Band Passwords  
Methods and systems for delivering advertising content to selected users in combination with out-of-band passwords or access code information delivered over a selected communication medium.
US20110258122 PAYMENT SYSTEM TO FACILITATE TRANSACTIONS  
Disclosed herein are systems and method for facilitating transactions between a merchant-partner and a customer. In general, the systems and methods include: (a) staging a transaction between the...
US20060271456 Debit-based identity theft monitoring and prevention  
Systems and methods of monitoring financial information of a consumer for fraudulent activity. One method can include receiving an account closure event from an event provider, determining if the...
US20130173474 OFFLINE MOBILE PHONE PAYMENTS  
A method for performing vending transactions includes generating a token upon request by a wireless appliance is provided. The method includes placing the token in a remote server; placing the...
US20130054469 COMPUTER IMPLEMENTED MULTI-LEVEL TRANSACTION AUTHORIZATION BANKING SUPPORT SYSTEM AND METHOD THEREOF  
A computer implemented system and method for multi-level transaction authorization in a banking support unit. The system includes a data center with a cluster further including: (i) a host for...
US20050075985 Voice authenticated credit card purchase verification  
The present invention provides a method of completing a purchase transaction which comprises a purchaser ordering over an electronic network goods or services that the purchaser desires to purchase...
US20120296829 Unlinkable Priced Oblivious Transfer with Rechargeable Wallets  
A protocol that allows customers to buy database records while remaining fully anonymous, i.e. the database server does not learn who purchases a record, and cannot link purchases by the same...
US20120028609 Secure financial transaction system using a registered mobile device  
A secure system and method are disclosed to effectuate financial transactions over a secure internet backbone establishing and using a secure financial proxy account and a pre-registered personal...
US20080147564 Security in use of bankcards that protects bankcard data from merchant systems in a payment card system  
A method and apparatus for security that protects bankcard data from merchant systems and uses a payment card (30) and payment system (12) that can be used by a customer (20) to perform a...
Matches 1 - 50 out of 276 1 2 3 4 5 6 >