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7315843 |
Electronic identifier payment systems 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...
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7313546 |
System and method for currency selectable stored value instrument
The invention provides a currency selectable stored value instrument, whose currency may be chosen or converted at the time value is loaded, after load but prior to redemption of value, at the time...
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7293717 |
Method for recovering information stored in a smart card
A system and method for using a smart card. The system includes a smart card enabler receiving a first identification key from a smart card. The smart card enabler compares the first identification...
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7287690 |
Value holding system, value holding method, value holding program, and transaction system
A value holding system includes a receiving unit that receives an instruction to add or remove a value relating to a payment, a judging unit that judges whether the instruction is identical to a...
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7277865 |
Information portal in a contract manufacturing framework
The present disclosure provides for affording an information portal in a contract manufacturing framework. First, a database including a plurality of service provider data structures is provided,...
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7273183 |
Wireless tag
A wireless tag includes a circuit module having an electromagnetic induction unit for generating an electromotive force by an electromagnetic wave of the outside and an information storing unit for...
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7257708 |
Steganographic authentication
Various embodiments pertain to steganographically authenticating identities and authorizing transactions based on the authenticated identities.
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7251633 |
Method or system for executing deferred transactions
A method of conducting a transaction between a user of a remote communications device and a second party includes: creating a transaction data structure based on input from the user that defines...
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7249108 |
Validation protocol and system
This invention concerns a validation protocol for determining whether an untrusted authentication chip is valid, or not. The protocol may be used to determine the physical presence of a valid...
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7249093 |
Method of and system for making purchases over a computer network
A method of and system for making purchases over a computer network using an ATM card or the like is provided. In accordance with the invention, a consumer transmits his ATM card number over the...
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7246098 |
Consumable authentication protocol and system
This invention concerns a consumable authentication protocol for validating the existence of an untrusted authentication chip, as well as ensuring that the Authentication Chip lasts only as long as...
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7243076 |
Computer network system for shopping and method therefor
A system and method for secure and private on-line shopping has an on-line shopping store having a plurality of computers for accessing on-line retailers. An on-line shopping store server is...
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7240036 |
Method and system for facilitation of wireless e-commerce transactions
A method for facilitating a wireless transaction includes receiving, by a transaction management system, a transaction request and a spoken authentication code from a transaction requester. After...
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7222164 |
Device and method to load commands in an integrated circuit card
The invention concerns a device to load commands from at least one server to at least one integrated circuit card, the said card including a first command execution program and a first memory. The...
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7219082 |
Financial management system
A financial transaction network includes a customer network serviced by a host processor. The financial transaction network provides customers with a plurality of diverse and interchangeable...
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7216803 |
Biometric delegation and authentication of financial transactions
A method and system that enables a customer to delegate or authorize another individual to perform a financial transaction is provided. This system uses a smart card and a biometric scanner or...
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7216105 |
Offline code based reloading system
An offline code-based reload device and method for adding value to a reconfigurable memory storage means in a portable storage medium. Reload is effected using a reload device not directly...
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7213003 |
Bill payment system and method utilizing bank routing numbers
A system and method for paying bills which uses bank routing numbers. A service provider receives a bank routing number from a consumer, the routing number belonging to the bank at which the...
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7206847 |
Smart card with back up
Smart card security is enhanced by making the smart card a two-piece device. Both parts of the smart card contain copies of user data and a processor, which executes program instructions stored in...
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7203657 |
General packet-based payment and transaction method and system
A method and system to enable data packets to engage in two-way transactions with various facilities, electronic equipment, and data sources, performing various services. This is accomplished by...
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7200571 |
Computerized auction system for use with multiple purchasing media
Systems and methods create and maintain an auction server operative to receive requests for displaying auction items. The bid values are displayed and received in units that are specific to a...
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7200756 |
Base cryptographic service provider (CSP) methods and apparatuses
Apparatuses and methods are provided for interface logic that is configurable to operatively couple cryptography support logic and cryptography providing logic. The interface logic provides at...
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7200577 |
Method and apparatus for secure online transactions
A method and apparatus for performing secure online transactions provides a user interface that is intuitive and easily to understand. The invention integrates an online wallet service with credit...
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7197448 |
Method of electronic settlement with a mobile terminal
An electronic settlement system with extremely high security based on the use of a mobile terminal with an electronic camera therein. Display units for commodity information provided at a place for...
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7194423 |
Method and apparatus for determining a progressive discount for a customer based on the frequency of the customer's transactions
A system and method are disclosed for determining and applying a discount to a customer's transaction. The discount is of a progressive nature, wherein the value of a customer's discount increases...
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7191152 |
Automated financial transaction system
In an automated financial transaction system, a plurality of automated tellers machines (ATMs) have each a message input section and are each communicatably connected with a message depository via...
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7191156 |
Digital watermarking systems
A variety of systems responsive to watermarked documents are detailed. In one, watermarking is employed to facilitate e-commerce transactions. More particularly, watermarking is employed to assure...
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7184989 |
Staged transactions systems and methods
Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment, a method for accepting payments from a consumer for a good or service provided by a...
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7181602 |
Method for exchanging at least one secret initial value between a processing station and a chip card
The invention relates to a method for exchanging at least one secret initial value between a processing station and a chip card, in an initializing step for the chip card. In the initialization of...
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7181429 |
Apparatus and method for storing electronic money
An apparatus and method for storing an electronic money are disclosed. The apparatus includes a portable terminal having an integrally formed electronic money card which is capable of storing a...
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7174315 |
Debit purchasing of stored value card for use by and/or deliveries to others
A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has...
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7168616 |
Bank card with lottery feature
A method of purchasing goods and services in combination with a gaming feature is described. Consumers are provided with a bank card, which is used to identify consumers, extend credit to them and...
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7165049 |
Sponsor funded stored value card
A method and system for issuing a sponsor funded stored value card. A sponsor company funds an account associated with the stored value card. The stored value card is issued to a cardholder, who...
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7165052 |
Payment service method and system
A payment service method and system involve a payment service provider, a customer/payor and a client/payee. The customer/payor enrolls in the service and is provided the unique identifier which...
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7155411 |
Integrating payment accounts and an electronic wallet
An electronic wallet including is made available to a user and is capable of storing a wide variety of different types of accounts (including both payment accounts and traditional credit card...
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7146342 |
Payment system and method for use in an electronic commerce system
A method and system of payment of goods and services in an electronic commerce system reduces the transfer and processing costs for each purchase made by a customer from a merchant. A customer...
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7146159 |
Over-the-air card provisioning system and method
A system for over-the-air provisioning of a card on a wireless device is provided. The system includes a wireless device, a provisioning system in communication with the wireless device, and an...
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7133843 |
Easy check-out with enhanced security
This invention is a contactless label chipcard including payment and identification information and a check-out system including a contactless reader for reading and updating payment information...
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7130828 |
Debit purchasing of stored value card for use by and/or delivery to others
A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has...
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7130827 |
Business calling card
A combination business card and calling card. After receipt of the invention card, a card holder may use the card as a calling card by contacting a designated calling card service company and...
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7127427 |
Secure transaction processing system and method
A processing system and method for processing purchase orders between a purchaser and a merchant across a public network. The processing system comprising a purchaser account database for storing...
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7127529 |
Smart card system having asynchronous communication with the smart card operating either as master or slave
A smart card comprises a microcontroller, a memory unit, a storage unit, and a communications unit. The smart card may be connected to a terminal, which is in turn may be connected to a host...
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7127426 |
Reloadable debit card system and method
A reloadable debit card system includes an issuing institution whereat a main account is set up and multiple sub-accounts are established thereunder. Each sub-account corresponds to a respective...
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7117183 |
Airline ticket payment and reservation system and methods
A method for accepting payments from a consumer for a travel ticket from a travel company comprises receiving at a point of sale device a transaction request that includes a transaction identifier...
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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...
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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...
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7107250 |
Apparatus for credential authorisation
A mobile communication device, such as a mobile phone, which comprises a processor which is configured to process requests for authorisation of use of a credential, such as a credit card, and the...
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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...
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7103571 |
Electronic settlement system using prepaid type electronic money
Even goods of a low price can be handled at a virtual shop and services to the user side are improved. When a payment instruction of certain goods is issued from a user's terminal 1 , a paying...
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7096204 |
Electronic commerce system
A method of brokering a transaction between a consumer and a vendor by a broker, wherein the consumer, the broker and the vendor are all attached to a public network, the consumer having a secure...
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