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7620814 |
System and method for distributing data
A system that distributes content access data which provides rights management data indicating a right of a user to reproduce and/or copy the distributed content. The system includes an...
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7614549 |
System and method for immediate issuance of transaction cards
A system and method for substantially immediate issuance of transaction cards includes at least one unassigned transaction card including a storage medium having a card number encoded thereupon....
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7613658 |
Methods and systems for redeeming a stored-value card
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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7613654 |
Use of electronic devices for money transfer
A system for dispensing funds. The system includes a non-dedicated printer adapted to print indicia of a monetary value, and a postal security device coupled to the franking machine. The postal...
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7606767 |
Cash dispensing automated banking machine system and communication method
A method of operating an automated banking machine is provided. The method comprises sending a configuration XML message to an ATM from an application server, wherein the configuration XML data...
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7606763 |
Systems and methods for improving auction liquidity
Systems, methods, apparatus, and means for improving liquidity in a securities auction include selecting a cover to use to provide general liquidity to the auction, the cover having a plurality of...
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7603472 |
Zero-minute virus and spam detection
Disclosed in this application are systems and methods for detecting unwanted electronic message transmissions at a certain location on an electronic communications network. The disclosed principles...
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7603313 |
Charging system and charging method
A user sends data for requesting a service provider to provide predetermined service and signature data created based upon the data to the service provider, the service provider calculates a fee...
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7602920 |
Method for making secure the pre-initialising phase of a silicon chip integrated system, in particular a smart card and integrated system therefor
A method for secure loading of a key dedicated to securing a predetermined operation into memory of a microchip of an embedded system includes, as a first step, authenticating a security device by...
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7599887 |
Method and system for prepaid roaming minutes
A method and system for prepaying roaming minutes including crediting a user's account with prepaid roaming minutes at a discounted rate. The roaming minutes are subtracted from the user's account...
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7593900 |
Host device, memory card, memory capacity changing method, memory capacity changing program and memory capacity charge giving/receiving method
A host device exchanging information with a memory card, the host device including: a charge management module configured to receive payment of a charge corresponding to an increased amount of a...
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7580897 |
IC card and authentication method in electronic ticket distribution system
Between an IC card ( 1 ) and a electronic ticket server ( 2 ), upon purchasing an electronic ticket a public key cryptosystem is employed for a mutual authentication to keep a strict security, and...
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7580890 |
System and method for supervising account management operations
A technique for tracking and managing account movement using a delinquency movement matrix is described. Customer Service Representatives or other agents may receive a promise for a payment amount...
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7580889 |
Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card
An apparatus of the invention comprises an operation inputting element for designating one of a plurality of functions; a function executing element for executing the function designated by the...
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7580856 |
Systems and methods for distributing targeted incentives to financial institution customers
An incentive distribution system is used in distributing, tracking and redeeming product incentives offered by manufacturers and distributors of consumer goods through a financial institution. A...
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7577597 |
System for financial planning
A system for financial planning is disclosed. The system determines at least one financial strategy for assets to meet financial goals. The system determines an outcome for each of a plurality of...
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7575152 |
Temporary value card method and system
A method for using a temporary value card is provided. A first value is determined base upon a selection of goods or services from a provider. The temporary value card is sold at a POS. The first...
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7562050 |
Aging of electronic payment units
The present invention relates to an electronic purse data carrier for performing monetary transactions and a method for managing electronic payments with such a carrier. The purse stores one or...
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7558110 |
IC module and cellular phone
In a SIM card having a flash memory chip, a memory controller chip, and contact/contactless card interfaces, the memory controller chip has a function of executing user authentication of a host...
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7555462 |
Method and apparatus for incorporating scanned checks into financial applications
An improved method, apparatus, and computer implemented instructions for processing a check in an automatic teller machine in a data processing system. A check is received from a user at the...
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7555460 |
Payment system and method using tokens
A method for collecting payment over a distributed digital computerized communication environment by a third party for services using digital tokens issued by a third party. The services may be...
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7548886 |
System and method for early detection and prevention of identity theft
A system and method for early detection of identity theft are provided. An authorized user establishes an identity with an organization's computing system and registers a mobile device and a...
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RE40753 |
Method and system for conducting business in a transnational E-commerce network
The invention presents a method and system for processing the purchase of products, goods and/or services, more particularly, to a method and system for processing the purchase by a buyer of...
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7526449 |
Optically encoded card and system and method for using
A system is provided for facilitating computerized transactions. The system comprises an optically encoded personal information carrier. The carrier comprising a card readable in a CD-ROM drive....
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7519653 |
Self-service terminals in which remote parties can induce operation of peripheral devices without obtaining control over the peripheral devices
A self-service terminal system ( 10 ) is described. The system ( 10 ) has a plurality of terminals ( 14 or 214 ), each terminal comprising a user interface ( 30 ) and a terminal application ( 38...
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7519554 |
Processing binary options in future exchange clearing
Systems and methods are disclosed for processing binary options (also referred to as digital options) in existing clearing systems, such as futures clearing systems. The binary option is treated,...
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7513435 |
Service providing system
A service providing system for improving convenience of users by quickly executing a membership registration process in a system in which plural shops and groups jointly administrate its members....
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7509292 |
Authentication of consumable items
This invention concerns a consumable authentication method for validating the existence of an untrusted chip. A random number is encrypted using a first key and sent to an untrusted chip. In the...
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7509289 |
System and method for single event authorization control of transactions
Controlling the authorization of financial transactions, such as credit card transactions. Financial institutions and businesses can establish accounts for employees that have an authorization...
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7506819 |
Biometric security using a fob
The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that...
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7503508 |
Updating of a smart card value counter
A method and a system for updating a counter of an electronic component in which are stored recordings, each containing at least one individual value and at least one sorting value, including:...
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7499873 |
Communication through a financial services network
A method of communicating a message from a sender to a recipient in possession of a unique identifier by use of which the recipient can perform a transaction at a transaction terminal includes:...
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7493638 |
Processing terminal, receiving terminal and received data processing system
An IC card (processing terminal) divides a process into process blocks, and holds a time period required for processing each process block. A receiver (receiving terminal) notifies the IC card of a...
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7493287 |
Distributed content architecture
A distributed content architecture is provided the de-coupled site management and presentation from asset inventory management and publishing. An active content cell is provided which manages the...
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7492878 |
Method for providing and billing for functionalities of a wireless identification module WIM in mobile communication terminals
A method for providing and billing WIM functionalities in mobile communication terminals. The method is characterized in that the WIM internally counts each of the signatures initiated by the...
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7478065 |
Payment transaction method and payment transaction system
Payment transaction method and payment transaction system in which payment transactions between customers with portable mobile devices ( 1 ), for example mobile radio telephones, and a plurality of...
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7475040 |
Return item early notification and return
A method, and system for processing electronic return items, the method comprising: receiving directly or indirectly from a plurality of different payor banks a plurality of different electronic...
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7472829 |
Payment card with internally generated virtual account numbers for its magnetic stripe encoder and user display
A payment card comprises an internal virtual account number generator and a user display for online transactions. Offline transactions with merchant card readers are enabled by a magnetic array...
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7472157 |
Architecture for a system of portable information agents
A method and system for providing enhanced intelligent agents that are moveable by a user from a browser application to a desktop. In specific embodiments, agents provide advanced interactive...
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7469824 |
Check accepting and cash dispensing automated banking machine system and method
An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to...
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7464863 |
Method and apparatus for managing information
In a method of managing information, information is stored associated with at least one wallet card in an electronic device. An establishment is entered with the electronic device. The location of...
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7448537 |
Bank card with sweepstakes feature
A method of purchasing goods or services with use of a bank card. The bank card is issued to consumers as a means of identifying the consumers and for extending credit to the consumers for the...
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7447661 |
Electronic bearer bond online transaction system
An electronic transaction system, comprising bearer bond means for providing an online electronic bearer bond having a monetary value, transaction means for performing monetary transactions with...
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7444305 |
Methods of coordinating products and service demonstrations
This invention relates to the methods of coordinating product and service demonstrations. An event coordinator directs event operators to conduct a product or service demonstration event. The event...
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7440924 |
Method and system for processing financial instrument deposits physically remote from a financial institution
A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to...
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7439859 |
RF device in drinkware to record data/initiate sequence of behavior
A drinkware is provided to provide information to a receiver. The drinkware is a RF device coupled to a handheld drinking container. The RF device can receive and send RF signals and communicate...
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7437329 |
Point-of-sale activation of media device account
The present invention discloses systems and methods for activating and redeeming prepaid media download cards and devices. Methods for activating prepaid media download cards may comprise storing...
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7437328 |
Value insertion using bill pay card preassociated with biller
The present invention is directed at systems and methods of inserting value into a customer account with a provider of goods or services. Methods may comprise distributing to a customer a bill pay...
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7430540 |
System and method for safe financial transactions in E.Commerce
A system, method and program for executing securely e-financial transactions over the Internet between merchants, clients and financial institutions using an electronic programmable device such as...
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7430537 |
System and method for verifying a financial instrument
A system and method for verifying a financial instrument or a user's authorization to use a financial instrument. The system initiates one or more verifying transactions involving the instrument,...
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