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7108174 Systems and methods for detecting corporate financial transactions  
Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service...
7108173 Method, apparatus, and system for distributed meeting scheduling based on autonomous multi-agent  
According to one aspect of the invention, a method is provided in which a scheduling agent is assigned to each user in a system. Each scheduling agent is responsible for coordinating meeting...
7107249 Electronic identifier payment systems and methods  
Systems and methods for accepting payments for goods and services provided by a consumer provider. The methods can include associating consumers and consumer providers with a payment provider. The...
7107245 Biometric gaming access system  
A method for cashless and tokenless access to casino machines is provided including the steps of providing a biometric registration apparatus connected to a computer having an input for a user to...
7104444 Method and system to prevent fraudulent payment in credit/debit card transactions, and terminals therefor  
The present invention enables secure, valid card payments in credit transactions to be performed, preventing fraudulent card use even in cases of loss or theft of a card or of information theft....
7104443 Method and system for facilitating electronic funds transactions  
A method and system for executing electronic funds transactions using a merchant based debit (MBD) card in a merchant-centric system that provides for reduced fees to acquiring merchants and...
7104440 Money transfer systems and methods for travelers  
One method involves payment of money to a recipient traveling to one or more foreign countries by entering into a remote computer money transfer information from a sender. The money transfer...
7104437 System and method for variably resolved identification tags  
A system and method for identification tag resolution is disclosed. The method discloses the elements of: identifying a set of attributes for a structure; assigning a tag to the structure; scanning...
7103577 Systems and methods for staging transactions, payments and collections  
The present invention relates to systems and methods for staging transactions and facilitating payments by consumers to a lender or merchant to consummate a financial transaction and/or to maintain...
7103575 Enabling use of smart cards by consumer devices for internet commerce  
A method, system, and computer readable code for enabling use of smart cards by consumer devices for Internet commerce. This is achieved by integrating an existing “Integrated Circuit Card...
7100829 Card reader and transaction processing apparatus  
An ultrasonic wave sensor is mounted on a card reader. A detection range of the ultrasonic wave sensor covers a front surface of an inlet. The ultrasonic wave sensor detects presence or absence of...
7100821 Charge card and debit transactions using a variable charge number  
A system and method to improve on the security of credit cards when money needs to be charged or transferred by assigning a different charge number to every transaction. A charge number is a...
7100820 Systems and methods for prioritizing reconcilement information searches  
Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or...
7099033 Hand held mobile communications device with an image sensor, a printer and a print media slot  
A handheld mobile image-sensing device comprising: a support structure; an image sensor positioned on the support structure for sensing an image; a display positioned on the support...
7096205 Systems and methods for enrolling consumers in goods and services  
Systems and methods for enrolling consumers in goods and services offered by a consumer provider are disclosed herein. Various of the methods include providing an enrollment system and displaying...
7093761 System and method for distributing stored-value cards  
A system and method for supplying communication service value is disclosed. In one embodiment, the method includes distributing indicia of an identifier to a merchant for distribution to a customer...
7092935 Customizable filter interface  
A customizable data filter system is disclosed, that is adapted to reduce the dimension of a searchable data base ( 100 ), and to enable performance of a database search and/or a data item...
7092916 Electronic identifier payment system and methods  
A payment service method and system involve a payment service provider, a customer/payor and a consumer provider/payee. The customer/payor enrolls in the service and is provided a unique identifier...
7090139 IC card and method of manufacturing the same  
The invention provides an IC card in which it is difficult to separate IC chips from the IC card. In accordance with the invention, an IC card formed by laminating a plurality of substrates can...
7090124 Use of small electronic circuit cards with different interfaces in an electronic system  
Electronic systems, such as automobile radios, portable and other computing devices, and global positioning system receivers, often require that a correct security code be inputted from a small...
7090123 Method and apparatus for promoting the selection and use of a transaction card  
One embodiment of the present invention provides for detecting a physical change at a transaction card, and, in response to detecting the physical change outputting content to attract the attention...
7089214 Method for utilizing a portable electronic authorization device to approve transactions between a user and an electronic transaction system  
A method permits a user to conduct a charged transaction utilizing a charge terminal of an electronic transaction system, the charge card terminal being configured to interface with a charge card...
7086590 Pay-by-card method and pay-by-card system for home delivery service  
A home delivery contractor 10 enters into an affiliation contract with a credit card company 12 and also enters into a merchandise price collection consignment contract with a merchandise...
7086588 Data communication systems, identification tags and methods of notifying an elapsed time period  
A data communication system is provided comprising: a reader/writer device; and an identification tag that is capable of data communications with the reader/writer device, wherein: the...
7086587 Anti-tracking system to ensure consumer privacy  
A system, method and computer program product for enabling a user to detect nearby RFID tags and identify nearby RFID readers to enhance user privacy. A portable RFID reader scans for nearby tags,...
7086586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance  
The present invention comprises an apparatus and method for a card payment instrument providing that a share of program profits above a pre-designated level is returned to participating consumers...
7083105 IC card and method of operating the same  
The present invention aims to provide an IC card, requiring no special additional devices, not causing a liquid leakage of an aqueous electrolyte, requiring no battery, and capable of displaying...
7083094 Universal credit card apparatus and method  
The apparatus and method described herein provides for creating multiple spatial patterns, such as magnetic patterns on credit cards. The invention includes storage of information from which...
7083089 Off-line PIN verification using identity-based signatures  
A method for off-line Personal Identification Number (PIN) verification using a smart card accessed on an off-line terminal comprises creating a unique secret key for an enrolled smart card using a...
7083087 Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources  
A method and apparatus for warehousing information in a wallet consolidator, including personal identification data for facilitating a transaction. The wallet consolidator includes a controller for...
7083086 Transactional card system and encoding method  
An encoded transactional card system comprising a carrier having a first side, a second side, a top side, a bottom side, a front and a back; a card having a first side, a second side, a top side,...
7083085 Verifying financial services card transactions using tags  
For added security against fraud, a financial services card such as a credit card is paired with a separate tag such as an RFID tag. A system for minimizing fraud includes a card reader for reading...
7083084 System and method for managing stored-value card data  
A computerized system and method for managing stored-value card data over a communications network between a plurality of terminals and a central processor is provided. Each of the terminals is...
7082416 Method of using prepaid cash card for making purchases on the world wide web  
A method for making on-line purchases includes purchasing a card having a unique identification code and a predetermined cash balance and activating an associated account. Goods or services offered...
7080781 Method and device for saving and retrieving pin codes  
A method and apparatus for storing and retrieving a number of PIN codes for protected-access devices, in particular smart cards and magnetic stripe cards, involves storage of the individual PIN...
7080780 Computer software interface  
A computer system operating computer software for enabling interaction between a user and an interface surface. The computer system is configured to receive indicating data from a sensing device...
7080776 Transaction card assemblies and methods  
Transaction card assemblies, systems and methods of making are provided. One such assembly includes a card carrier having a card integrally formed within. The card peripherally engages the card...
7080047 Website-specific electronic signature containing personalized logo  
The present invention involves the creation of a website-specific electronic signature containing a personalized logo via a mechanism for on-line assembly of image parts to obtain personalized...
7080037 Portable electronic authorization system and method  
In one embodiment, an electronic device is used to authenticate an identity of a user to determine that the user is permitted to access restricted information on a server. In response to the...
7079670 Apparatus and method for authenticating a user by employing feature points of a fingerprint image of the user  
In an apparatus for authenticating a user by employing feature points of a fingerprint image of the user, a fingerprint image input circuit scans a fingerprint of a user to be registered to provide...
7077312 Automated banking machine system and method  
An automated banking machine ( 10 ) is operatively controlled from a front consumer user station ( 12 ) and a rear maintenance user station ( 14 ). The machine is operative to output a consumer...
7073713 Card having coded data and visible information, for operating a device  
A card for causing the device to operate in a predetermined operation mode. The card comprises, on a first surface, a visual representation of the operation mode, and on a second surface, a...
7073711 Mobile handheld code reader and print scanner system and method  
A scanner section of a reader/scanner device that scans and stores biometric data of an individual with a biometric scanner section. A reader section reads and stores machine readable code data...
7073710 Method of purchasing refill units online  
A method of purchasing value units required for utilizing a paid function of a software program residing on a first computer. The method includes the first computer initiating an order with a...
7072864 Customer activated multi-value (CAM) card  
The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can...
7070097 Settled weight scale for a checkout system  
A retail terminal includes a scale for weighing items to be purchased. The scale is operative to obtain a settled or stable weight of items placed thereon either after a predetermined time delay...
7070095 Foldable transaction cards and methods of making the same  
Transaction cards are provided, wherein said foldable transaction cards have internal hinge material disposed within the foldable transaction card and fold lines for folding the transaction cards....
7066385 Information processing terminal or control method therefor  
Amount information stored in an IC chip installed in a portable terminal has been encoded, and no key is contained in the same terminal for protection against unauthorized use. On the other hand,...
7066382 Method and apparatus for transferring or receiving data via the Internet securely  
A system using magnetic stripe encoded swipe cards containing Internet address data and further data and whose address data strings are obfuscated. An account card data de-obfuscation sequence in...
7065382 Wireless terminal having a scanner for issuing an alert when within the range of a target wireless terminal  
A wireless terminal, method, and system for using the wireless terminal, for determining when the wireless terminal enters a coverage area of a target device within which communications are...