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8616443 Systems and methods employing delimiter searches to identify sensitive information in data  
A data string that includes potentially sensitive information, such as an account number for a payment card, may be evaluated using a delimiter search to provide an increased level of confidence...
8616441 Systems and methods for processing a transaction associated with a contactless transaction card  
Embodiments of the invention relate to systems and methods for processing a transaction associated with a contactless transaction card. In one embodiment, a method for processing a transaction...
8616445 Method and system for end user verification of controlled substances  
A portable electronic device includes an image capture module that captures a digital image of a symbology that is affixed to a regulated product. The device decodes the symbology to identify an...
8620824 Pin protection for portable payment devices  
A method and system of encrypting a Personal Identification Number (PIN) using a portable payment device includes a portable payment device in communication with a network and a payment processor,...
8616437 IC card and IC card system having suspend/resume functions  
An IC card and an IC card system are disclosed in which command processing performance is improved by storing current state data related to a first command upon interruption of an execution cycle...
8616446 Dynamic identity matching in response to threat levels  
A dynamic identity matching facility that enables an operator to determine the status of an individual based on identification information contained on an identification record provided by the...
8620260 Payment application download to mobile phone and phone personalization  
A method and system of personalizing a mobile phone over a wireless network is provided. The method is fast, reliable, and eliminates the need for an uninterrupted online connection to a host...
8616444 Authorizing financial transactions  
A system for authorizing a financial transaction includes a processor operable to execute an application on a wireless communications device that is communicatively coupled to a data stripe...
8616453 System and method for processing funds transfer between entities based on received optical machine readable image information  
A system and method for coordinating processing of a funds transfer transaction between a transaction requestor and a transaction responder over a communications network. The transaction system...
8616440 Alternative banking system for managing traditional and nontraditional markets  
A method of exchanging a check, cash or electronic funds transfer comprises receiving a check, cash or electronic funds transfer from a presenter at a receiving entity, the check having an amount...
8615438 Time-dependent response to user-determined unauthorized transaction  
A system and method is described for alerting authorities or taking other corrective authoritative action to a possibly fraudulent credit card transaction. A cardholder is notified that a...
8615428 Point of sale device for online reward point exchange method and system  
An online reward exchange system and method of operation, which includes an exchange computer that interoperates via a computer network with user computers, reward point issuer computers, and...
8615457 Payment entity device reconciliation for multiple payment methods  
A method begins by storing payment request data, which, for a client, includes a payables profile and an accounts payable data file. The method continues by receiving payment remittance...
8613385 Audio-visual entertainment system and docking systems associated therewith  
A docking system is provided and configured to receive swappable media players. Docking stations provide location-dependent information that the swappable media players may utilize to determine...
8613390 Computerized wireless payment methods  
Methods useful for conducting payment transactions wirelessly, such as at point-of-sale locations. In one embodiment, the mobile user apparatus is a cellular-enabled mobile device that includes a...
8613389 Method of packaging financial transaction instruments, particularly stored value cards  
A method of packaging financial transaction instruments includes preparing a batch of cards, where each card is provided with a first piece of machine readable information, and where the cards in...
8608067 Web service for enabling network access to hardware peripherals  
The present specification discloses methods and systems to enable a peripheral device, which otherwise lacks intrinsic networking capabilities, to be accessible over a network once attached to a...
8608062 Recognition and reward system and method  
A recognition and reward system including an identification assembly carried by a first party, the identification assembly including an identification code supported by a substrate, the...
8612169 Method and system for detecting anomalies in a bipartite graph  
A method of detecting anomalies from a bipartite graph includes analyzing the graph to determine a row-cluster membership, a column-cluster membership and a non-negative residual matrix, and in a...
8608061 Financial institution account-associated rewards program  
A system and method of operating a rewards program through a financial institution for granting rewards to customers enrolled in the rewards program wherein the customer receives one or more...
8608066 Combined radio-frequency identification and touch input for a touch screen  
A method for a point of sale terminal, including reading a first PIN code that is stored in an RFID chip that is embedded in a plastic card, identifying a first keypad character on a touch...
8608065 Authenticating electronic financial transactions  
To improve security and simplify financial transactions in electronic communications environments, a cryptographic Private Key is securely stored in a storage device of a user. A Public Key...
8608060 Banking transaction machine that operates responsive to data bearing records  
A cash dispensing banking machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash...
8610536 Beverage dispensing control  
Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for control of beverage dispensing. In one aspect, authorization data specifying that a beverage...
8608058 Automated banking machine that operates responsive to data bearing records  
A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking...
8608064 Payment system and method of IC card and a multi-application IC card as well as a payment terminal  
A payment system and method of IC card and a multi-application IC card as well as payment terminal are proposed in the present invention. The terminal and the IC card perform off-line data...
8608063 Systems and methods employing intermittent scanning techniques to identify sensitive information in data  
Potentially sensitive information (e.g., account numbers for payment cards, etc.) may be identified from data by use of an “interval scanning” technique, in which a string of data is evaluated in...
8604902 Communication system, information processing method, and program product  
A communication system includes a first information processing device, a plurality of processing portions, a storage portion, and a second information processing device. The first information...
8606662 Methods and systems for managing co-brand proprietary financial transaction processing  
A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing...
8602293 Integration of verification tokens with portable computing devices  
Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is communicatively coupled to a computer by...
8606702 Financial transaction authentication servers, methods, and computer program products for facilitating financial transactions between buyers and sellers  
A financial transaction authentication server includes a wireless network interface that is configured to receive fund transfer requests from a buyer via a wireless communications terminal, a...
8602302 Exception notification system and method  
A system and method for distributing prepaid cash alternatives and resolving exceptions related to the sale of prepaid cash alternatives such as traveler's cheques or prepaid cards. Reports of...
8604930 Sensor device  
There is provided a mobile communication device. An exemplary mobile communication device comprises an input unit, a display and a processing unit being connected with a subscriber identity module...
8602295 Selectable recognition of currency deposited into a cash handling device  
Methods and devices provide flexible demarcation points in order to selectably recognize currency deposited in a cash handling device. A denomination threshold may be set. A deposit may be...
8602299 Mobile terminal device  
A mobile terminal device having a structure suitable for insertion and removal of a card from the device with a battery held in a battery holding part. A mobile phone 1 has a housing body 21...
8602301 Selectable multi-purpose card  
A selectable, multi-purpose card comprising a plurality of features stored in memory means operatively mounted on the card and selection means for allowing a user to select a feature in a few...
8602298 Recycling system and method thereof  
A method of implementing an incentive-based recycling system is provided. In one embodiment of the present invention, the method of implementing an incentive-based recycling system includes...
8604908 Article storage system with closely-coupled, article-specific display  
Logic is included in a piece of active storage furniture such that the active storage furniture integrates articles stored thereby into a representation of information about those articles. The...
8602297 Method of distributing and activating gift cards  
The present invention is directed towards a method of distributing and activating gift cards. The method is performed by attaching a non-activated gift card to an article and selling the article...
8602296 Service messaging system and method for transaction machine  
Identification information is received from a transaction card at a transaction machine. The transaction card is associated with an account holder using the transaction machine. Using the...
8602300 Systems and methods for dynamically valuating a gift card  
A gift card that dynamically changes its value based on how it is used. For example, a gift card may have a different value in accordance with a merchant where the card is used, a merchant...
8596546 System for verifying an item in a package  
A system verifying an item in a package comprises a package producer and a verifier. The package producer produces a package with a label, wherein the package includes an item each with one or...
8596530 Retail point-of-transaction systems, program products, and related methods to provide a customized set of identification data to facilitate a retail transaction using electronic coupons  
Retail point-of-transaction systems, program products, and related computer implemented methods to provide a customized set of identification data to facilitate a retail sales point-of-sale...
8596527 Methods for locating a payment system utilizing a point of sale device  
A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment...
8596529 Interactive interface effectuated vending  
The present invention relates to a system and method which effectuates an interactive interface and protocol for interfacing a payment module (system 500) to and data communicating with a...
8596528 Collaborative negotiation techniques for mobile personal trusted device financial transactions  
Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the...
8596549 Authorizing the use of a transaction card  
Embodiments of the present invention provide systems and methods for validating a user of a transaction card. Specifically, embodiments of the present invention utilize dynamic manipulation of a...
8596547 Wireless mobile communicator for contactless payment on account read from removable card  
A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on...
8600893 System and method for back office processing of banking transactions using electronic files  
As banking transactions are processed by a bank teller, all of the relevant information with respect to the transaction (e.g., dollar amount) is captured in an electronic file. Each of the...
8600442 Power recovery circuit based on partial standing waves  
A power recovery system includes a transmission line that is coupled to transfer an RF signal received via an antenna. The RF signal generates a partial standing wave in the transmission line and...