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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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,...
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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...
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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.
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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US20100293100 |
Authenticated Payment
A buyer (110) wishes to use a payment instrument as part of an online commerce transaction with a seller (120) and it is desired to authenticate that the buyer (110) has authority to use the...
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US20100250441 |
METHOD AND SYSTEM FOR SECURING A PAYMENT TRANSACTION WITH TRUSTED CODE BASE ON A REMOVABLE SYSTEM MODULE
A trusted code base is provided on a removable system module that is inserted in a mobile payment device 130. The trusted code base obtains a password from a customer for processing a payment...
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US20070050305 |
RFID system for predictive product purchase date evaluation
Operating parameters and potentially related event dates are gathered from end users of computer systems and fed into a predictive model to generate post-sale predictions of purchase date when a...
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US20070203849 |
Endpoint verification using common attributes
A system for endpoint verification includes a computer system programmed to access one web site of a plurality of web sites associated with an organization. The computer system is programmed to...
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US20060224504 |
Mobile biometric merchant transaction processing
A method and system to enable mobile merchants process transaction payments. The system uses a BID card, smart device, merchant device, smart card reader scanner writer, and RFID reader. The BID...
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US20090164382 |
SYSTEM FOR MANAGING MULTIPLE CREDIT ACCOUNTS
In an improved method and system for managing consumer credit accounts a consumer registers a plurality of credit accounts through a secure web page establishing a priority of accounts in the...
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US20130110727 |
TECHNIQUES FOR MOBILE TRANSACTION PROCESSING
Techniques for automated mobile transaction processing are provided. A consumer traverses to a web portal or other type of enterprise terminal device of an enterprise and proceeds to shop. During...
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US20070094150 |
Transaction authorization service
System and method for authorizing transactions, such as payments or money transfers. A source entity may initiate a transaction with a target entity via a first communications channel. In...
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US20080235144 |
Pre-authenticated identification token
An identification token such as a proximity payment device may be integrated with a wristwatch. For security purposes, the identification token may be disabled when removed from the user's wrist....
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US20120158594 |
TRANSFER METHOD OF ELECTRONIC CASH
A card to card transfer method used in the financial system is provided in the present invention, and comprises an initializing step, a transferring step and a transaction confirming step, wherein...
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US20110302088 |
TOKEN BASED NEW DIGITAL CASH PROTOCOLS
Digital cash token protocols employ two pairs of private and public keys. Each public key is certified separately and the protocols do not use any blind signature schemes. As a result, the digital...
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US20110238579 |
SYSTEM AND DEVICE FOR FACILITATING A SECURE TRANSACTION WITH A VALIDATED TOKEN
The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet...
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US20110307389 |
Method and System for Distributed Point of Sale Transactions
A method and system for a fully distributed on-line selling environment is presented. Any webpage can contain a program module that for each customer that view any webpage with the module embedded...
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US20050102243 |
Authorisation of online transactions
An authorisation system (2) is hosted by a financial institution to allow it to authorise transactions for customers having multiple users. Users of the customer can access an authorisation control...
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US20080313088 |
IDENTIFICATION VERIFICATION SYSTEM
An identification verification system having several applications is disclosed. First, a sender sends a person an offer that requests information. The person replies to the sender, who forwards the...
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US20080249948 |
FINANCIAL INFORMATION INPUT METHOD USING SYMMETRICAL KEY SECURITY ALGORITHM AND COMMERCIAL TRANSACTION SYSTEM FOR MOBILE COMMUNICATIONS
A financial information input method using a symmetric key security algorithm and a mobile communications commercial transaction system using the same encrypts financial information such as a...
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US20130144792 |
STAND-ALONE SECURE PIN ENTRY DEVICE FOR ENABLING EMV CARD TRANSACTIONS WITH SEPARATE CARD READER
A method of conducting secure electronic payments to a payment acquirer using a credit card payment unit, comprising of a smart card, a portable card reader device, a mobile phone, a stand-alone...
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US20060092476 |
Document with user authentication
A document (e.g. a check) for a specific beneficiary has encoded on it a unique identifier, also present on an identity card owned by that beneficiary. A person presenting the document (e.g. to...
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US20060143137 |
Protecting privacy of networked devices containing management subsystems
In one embodiment, a method includes receiving a decommission command from a management console, determining that the decommission command is authentic, and disabling the manageability functions of...
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US20130117186 |
SYSTEM AND METHOD FOR INCREASING SECURITY IN INTERNET TRANSACTIONS
Increasing security of financial transactions conducted over the Internet is disclosed. In an example, an apparatus may be configured to prompt a user for authorization to permit a pending purchase...
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