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8175973 |
Internet payment, authentication and loading system using virtual smart card
A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual...
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8175974 |
Portable storage device and transaction machine
In systems which execute transactions with an ATM using an IC card in which plural account information is registered in advance, one or more transaction information and intended use information...
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8175972 |
Pre-paid card transaction computer to load a loan on a pre-paid card
A loan transaction for a pre-paid card is approved for a borrower so that release of the loan proceeds is pending an activation of a pre-paid card. A pre-paid card transaction computer activates a...
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8175914 |
Automatic adjustment of advertiser bids to equalize cost-per-conversion among publishers for an advertisement
A learning model is built on a combination of advertiser, publisher and user data. The learning model can be applied to all advertisers in an advertising system. The learning model provides...
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8165961 |
Method and system for setting levels of electronic wallet security
A method of a portable electronic device providing payment from an electronic wallet is provided. The method comprises prompting for input of a personal identification number (PIN) after the wallet...
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8165965 |
Transaction method with a mobile apparatus
A transaction method between a client and a terminal (2) connected to a telecommunication network comprises the transmission of at least one client identification (IDUI), a terminal identification...
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8160960 |
System and method for rapid updating of credit information
According to one embodiment, the invention relates to a system and method for evaluating the creditworthiness of an account holder of a credit account comprising the steps of determining, at least...
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8160961 |
Charging for prepaid subscribers in a telecommunications system
To be able to customize subscriber charging in a telecommunications system, at least two different kinds of tariff models (TM) are defined, each model containing a tariff scheme defining how to...
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8156042 |
Method and apparatus for automatically reloading a stored value card
To facilitate the sale of merchandise using a stored value card (SVC), a method and system are provided to automatically reload an SVC in accordance with automatic reload preferences associated...
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8156047 |
System and method for funding a collective account
A system and method for funding a collective account such as a charitable account includes issuing a plurality of financial instruments, linking the financial instruments to the collective account,...
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8150767 |
System and method for conducting electronic commerce with a remote wallet server
A method is provided for conducting a transaction over a computer network (such as the Internet) where the remote wallet server conducts a transaction with a merchant computer in a format...
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8146803 |
Automated banking machine with noncontact reading of card data
An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine...
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8146802 |
Automated banking machine with noncontact reading of card data
An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine...
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8145549 |
System and method for offering risk-based interest rates in a credit instutment
A system and method for communicating an offer to apply for a credit instrument is provided. A processing allows for processing credit history data. A calculating step allows for calculating a...
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8145556 |
Online mortgage approval and settlement system and method therefor
A method for automatically fulfilling lending conditions includes the steps of maintaining a database of a plurality of registered service providers, receiving a loan application having one or more...
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8140421 |
Automatically determining a current value for a home
A facility for valuing a distinguished home located in a distinguished geographic area is described. The facility receives home attributes for the distinguished home. For each of a plurality of...
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8140417 |
Data transmission system and data transmitting method
A data transmission system is provided that enables a user to move away before the completion of data transmission regardless of whether a refund is made in association with occurrence of a...
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8140433 |
Method for making secure transactions carried out with cards provided with an owner identification number
The invention concerns a method for carrying out a transaction comprising prior steps of identifying the card by reading its number and authenticating the bearer optionally by writing in the secret...
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8132723 |
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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8135621 |
System and method for supporting anonymous transactions
A method for supporting anonymous transactions includes storing a first profile comprising first information associated with a first client. The first information includes identifying data and...
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8131642 |
Controlling the value of a plurality of transactions involving payment token
A method of controlling the value of at least one on-line transaction involving a token associated with an authorized user comprises the steps of: prior to the at least one proposed transaction,...
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8123120 |
Automated banking machine that operates responsive to data bearing records
A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an...
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8126806 |
Method for launching an electronic wallet
A portable electronic device is disclosed. The portable electronic device comprises a contactless communication transceiver configured to provide payment information to a point-of-sale terminal, a...
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8126809 |
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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8126771 |
System and method for managing customized reward offers
In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined....
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8122261 |
Data communication apparatus and data communication method
Realizing a data communication device and a data communication method enabling to specify an IC memory mounted in the communication device and to perform data communication to the communication...
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8118218 |
Method and apparatus for providing electronic purse
Techniques for portable devices functioning as an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct...
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8121585 |
Technique for synchronizing data with a mobile device based on a synchronization context
The present invention discloses a technique for a user to control a manner in which a data store of a mobile device synchronizes with a remotely located data store. More specifically,...
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8121955 |
Signing program data payload sequence in program loading
Communicating program data between a first device and a second device comprises disassembling a first program file comprising program data into at least one logical data unit, partitioning each of...
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8113438 |
Governor arrangement for contactless point of sale terminal gateway
Gateway for contactless purchase transactions identifies plural transaction cards held by a customer at a point of sale terminal and loads account information into a memory. The customer's payment...
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8117128 |
Content usage management system method, and program providing medium therefor
When the encrypted content is provided from a service provider to a user device, a usage log including information of the content usage fee is created in the user device. The created usage log is...
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8109436 |
Secure card
Systems and methods for monetary cards are described. The cards are free from personally identifiable data, e.g., no name or embossment. In an example, the card includes a first number that...
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8108307 |
System, method and apparatus for value exchange utilizing value-storing applications
A system, method and apparatus for exchanging value using a smart card in a financial transaction is disclosed. The system includes a smart card having a contact interface and a contactless...
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8108308 |
Life settlement transaction system and method involving apportioned death benefit
A method and system for structuring a life settlement with a paid-up policy transaction. An existing insurance policy holder exchanges an existing insurance policy for a paid-up insurance policy or...
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8108272 |
Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account
A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests by...
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8103586 |
Methods and systems for exchanging and/or transferring various forms of value
Methods and systems for exchanging various forms of value, including coins, currency, credit, debit, and/or bank account funds, for prepaid cash cards, credit cards, phone cards, and the like. In...
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8099769 |
System and method for trusted communication
A method of establishing a trusted path of data and a method of verifying the integrity of data presented for signing to a user of the personalized device in a public-key cryptographic scheme. The...
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8095463 |
System and method for prepaid account replenishment
A system and method for replenishing prepaid account balances is disclosed. Consumers are issued a prepaid account card similar to a credit card. Funds are added to prepaid accounts at retail...
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8095113 |
Onetime passwords for smart chip cards
A financial transaction card is provided according to various embodiments described herein. The financial transaction card includes a card body with at least a front surface and a back surface. The...
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8082195 |
Prepaid value account with reversion to purchaser systems and methods
Systems, methods, and devices are described for a refundable prepaid transaction cards. The methods and systems include a prepaid transaction card funded with funds by a purchaser. Also included is...
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8082163 |
Methods for selling insurance using rapid decision term
An insurance company sells a life insurance policy having a coverage period. The policy provides a total benefit amount which includes an all-cause benefit amount and an accidental death only...
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8079513 |
Creation of customized transactional cards
Customized transactional cards are created in one of various ways. The card holder may obtain a blank transactional card already having an encoded account number, create a customized design, and...
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8078510 |
Method, system and server for charging a prepaid account
The present invention relates to prepaid services in the communication field. A method for charging a prepaid account includes: delivering the available traffic to the NAS based on the available...
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8078513 |
Normalized distributed exchange system
A real-time normalized, distributed exchange and barter system that allows multiple members to exchange multiple goods and services with other members of the system over a distributed network such...
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8074081 |
Method for replacing contents of a data storage unit
A data storage device includes a plurality of data storage units, a physical random number generator with a noise source based on a physical noise process, for generating a random number, and a...
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8073750 |
***WITHDRAWN PATENT AS PER THE LATEST USPTO WITHDRAWN LIST***
Computer support for multi-jurisdictional investment
Machine and related manufacturer controlling multi-jurisdictional investment; a computer system arranged to receive information and locate said information into a memory, the information including...
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8073770 |
Person-to-person funds transfer
Systems and methods are illustrated for performing a person-to-person funds transfer. A person-to-person funds transfer process may be divided into a funds transfer initiation process to receive...
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8073424 |
System and method of managing contactless payment transactions using a mobile communication device as a stored value device
A method handling payment transactions in a system using mobile communication devices as stored value devices is disclosed. A transaction operations server receives multiple records of the...
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8061596 |
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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8064579 |
Prepaid services accounts with multi-user customers and individualized quotas
Prepaid services include a multi-user prepaid services account as well as a prepaid balance associated with the account. A plurality of user records associated with the account each includes a...
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