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7401051 |
Automated teller machine system and method relay center
Automated teller machine systems and methods for reducing system development efforts by financial institutions and for providing a financial transaction system that is adapted for using one or more...
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7398249 |
ACH debit blocking method and system
The invention provides a method and system for blocking fraudulent or incorrect Automated Clearing House (ACH) debits. In an embodiment of the invention, the number of fraudulent and incorrect ACH...
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7395246 |
Delegating digital credentials
The system includes receiving, from a delegator, a designation of a role and a delegate to assume the role, receiving, from a credential service provider, an indication that the designation is...
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7389914 |
Method of capturing and communicating correlated data of check transaction at card reading automated banking machine
A system and method is carried out in connection with a card actuated automated banking machine. The automated banking machine is operative to receive checks and dispense cash to users. The...
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7386511 |
Methods and systems for processing financial instrument deposits
The present invention comprises a program product, system and method for deposit processing using check images. In one embodiment of the present invention, the program product comprises...
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7386510 |
System and method for detecting fraudulent calls
A system and method that determines when fraudulent activity, such as relates to a credit card, etc., may be imminent. The system and method of the invention allows for warning a credit issuer of...
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7377427 |
Method, apparatus and POS system for processing credit card transactions associated with POS sales
A method apparatus and POS system for processing credit card transactions associated with POS sales to inhibit illegal credit card use. The method involves reading magnetic stripe information...
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7379916 |
System and method for private secure financial transactions
A clocked authentication, authorization and accounting (CAAA) system and method offers private and secure credit/debit card online and offline financial transactions (FT) including an embedded...
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7374100 |
Mobile terminal having smart card coupled with RFID tag and method for performing RFID function in such mobile terminal
Disclosed is a mobile terminal equipped with a smart card coupled with an RFID tag and a method for performing an RFID function in the mobile terminal. The smart card includes a user information...
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7363274 |
Automatic teller machine
Includes the same-financial-institution account register control section ( 101 A) and the other-financial-institution account register control section ( 101 B) that make the display section ( 103 )...
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7360692 |
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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7356515 |
Method and system for transferring an electronic sum of money from a credit memory
A method and system for transferring an electronic sum of money from a credit memory associated with a money sender to an account or to a credit memory associated with a money receiver via an...
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7344064 |
System and method for processing electronically deposited checks
A method of processing a check prior to electronically depositing the check includes receiving the check, determining a number of existing check submission indicating marks, if any, that are...
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7346578 |
Electronic cashing card settlement system
A settlement system is provided for an electronic cashing card such as an IC card, a prepaid card, or the like. A card comprises a memory storing process data to execute a settlement under a...
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7341178 |
Processing apparatus, system and method for processing checks in communication with a host computer and a host computer for controlling the check processing apparatus
Processing apparatus, system and method for processing checks in communication with a host computer for accurately detecting check multifeeding. The check processing system includes a check...
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7343346 |
Computer-based method and system for aiding transactions
A method for facilitating provision of a warranty relating to a transaction between two parties in a system which includes an infrastructure composed of a plurality of locations each associated...
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7337119 |
System and method for detecting purchasing card fraud
A method and system for detecting purchasing card fraud during every aspect of a purchasing card life cycle is disclosed. A central fraud database is created for receiving potential fraud or...
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7337145 |
E-money managing method and system, e-money managing/holding medium, computer-readable recording medium in which e-money managing program is recorded, e-value managing/holding medium, and e-value managing method
With an electronic money managing system using an electronic-money medium, a user is freed from worrying about a balance in the medium, avoiding unnecessary spending. The system has a medium...
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7331527 |
Exception reduction and event reordering in an item tracking system
A current state of an item being tracked by an item-tracking system may be determined using prior state information about the item. To ensure proper temporal order of the state information,...
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7333955 |
System and method for securing communication service
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...
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7331518 |
Transaction processing systems and methods
A transaction processing system according to various embodiments of the invention is adapted for: (1) associating a particular account (e.g., a credit card account) with a particular phone number;...
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7331062 |
Method, computer software, and system for providing end to end security protection of an online transaction
A method for implementing an online transaction security product includes downloading an online transaction security product program from a web site to an information handling system. The security...
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7328190 |
System and method for adding value to a stored-value account
A system and method for adding value into a customer's stored-value account is provided. A stored-value card is distributed to a merchant for distribution to a customer who has an account with a...
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7328188 |
Dynamic currency conversion for card payment systems
The present invention relates to Card Payment Systems for use in a multi-currency environment. In particular, the present invention provides a system and method for identifying an appropriate...
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7319986 |
Dynamic payment cards and related management systems and associated methods
Dynamic payment cards and related dynamic payment card management systems and associated methods are disclosed that allow for the efficient management of corporate purchasing needs. The dynamic...
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7319987 |
Tokenless financial access system
The present invention shows a method and a device system for tokenless authorization of commercial transactions between a user and a seller. The user registers at least one registration biometric...
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7318050 |
Biometric certifying authorities
A biometric certifying authority (BCA) management system and method provide and maintain a hierarchical relationship among biometric certifying authorities in the issuance of biometric...
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7313544 |
System and method for restricting over-limit accounts
A system and method is provided for preventing check kiting with credit card products. The disclosed system first determines whether the cardholder is exhibiting check kiting behavior. This is...
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7311248 |
Method and system for automatically detecting fraudulent applications
A system and method are provided for automatically detecting fraudulent applications. The system receives application data from one or more clients and compares the application data with an...
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7310608 |
Authentication method, authentication system, payment system, user apparatus and recording medium containing program for conducting authentication
An authentication system, program and method authenticates users who are parties to a transaction by supplying a first user with a matching key for a prospective transaction, receiving by a second...
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7293699 |
Currency cassette access based on facial recognition
A security system controls access to a currency cassette. The system includes a database having images of individuals authorized to access the cassette. The system also includes a camera for...
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7292998 |
System and method for adding value to a stored-value account
A system and method for adding value into a customer's stored-value account is provided. A stored-value card is distributed to a merchant for distribution to a customer who has an account with an...
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7292996 |
Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service
A wireless telecommunications carrier operates a commerce platform in a trusted domain, which may store sensitive information associated with a consumer. During a credit card based transaction, a...
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7289971 |
Personal information security and exchange tool
Utilization of the E-Metro Community and Personal Information Agents assure an effective and comprehensive agent-rule based command and control of informational assets in a networked computer...
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7287009 |
System and a method for carrying out personal and business transactions
The present invention relates to a system and a method for carrying out personal transactions including financial transactions, e-mail transactions, and voice messaging transactions. A user of the...
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7287270 |
User authentication method in network
When a network connection request is sent from a user's personal computer ( 2 ) to a server ( 1 ) on the Internet ( 5 ), the server ( 1 ) sends an authentication confirmation number generated by 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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7266520 |
Digital computer system and methods for managing an auction market for preferred-return securities
A digital computer machine and a data processing system, methods involving the same and products produced thereby, as well as data structures and articles of manufacture pertaining thereto, as...
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7263506 |
Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites
Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which...
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7263347 |
Biometric authentication of a wireless device user
A network storage location stores voice prints from a user of a wireless telephone. The voice prints are context-specific to likely responses to voice prompts from an interactive voice response...
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7258267 |
Wireless banking system and wireless banking method using mobile phones
The present invention generally relates to a wireless banking system and a wireless banking method using a mobile phone. The mobile phone includes a smart card inputting smart card information...
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7254548 |
System and method for the administration of financial accounts using profiles
A credit facility for controlling financial transactions is arranged with the ability of users to establish self-imposed limits on a category by category basis. The processing system provides...
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7249097 |
Method for ordering goods, services, and content over an internetwork using a virtual payment account
A virtual payment system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment system comprises a commerce gateway component ( 52 ) and a...
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7249098 |
Subscription-based payment
According to the invention, a method for automatically processing a recurring transfer request from a stored value fund with an online system is disclosed. A handler associated with a payor is...
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RE39736 |
Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
The following procedures describe the use of cellular telephones and other analog or digital wireless communication devices to conduct transactions and activities. These procedures effectively...
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7246097 |
Methods and apparatus for generating secure endorsed transactions
To ensure the data corresponding to transactions has not been altered, a method and system are provided for generating secure endorsed transactions having transaction data representative of...
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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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7236614 |
Device, system, and method for identifying living bodies and renewing registration data
There are provided a living body collating device, a living body collating system and a living body collating method, which is equipped with optimization candidate data extracting means 35 for...
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7233690 |
Method and system for fraud detection
A method of detecting fraud involving a check being cashed includes reading electronic information from an ID; reading visible information from a face of the ID; determining if the electronic...
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7229006 |
Systems and methods for remote account control
Systems and methods for remotely causing a request for authorization to charge a card, that is otherwise active, to be denied. In one embodiment, an access controller receives a call from a card...
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