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7469233 Method and system for facilitating the anonymous purchase of goods and services from an e-commerce website  
A method and system for facilitating the purchase of goods and services anonymously from an e-commerce website is provided. The method includes providing a plurality of transaction account numbers,...
7463738 Method for providing multimedia files and terminal therefor  
A method of and a system for securely distributing data files to a user. A first key is encrypted using a second key. The encrypted first key is stored on an integrated circuit card that is...
7461030 System for anonymous purchase of goods by providing a plurality of non-activated account numbers  
A method and system for facilitating the purchase of goods and services anonymously from an e-commerce website is provided. The method includes providing a plurality of transaction account numbers,...
7461399 PIN recovery in a smart card  
A method of controlling access to resources on a smart card, the method involving: providing a list of n questions for presentation to the user, where n is an integer; receiving from the user...
7457781 Method and system for enforcing simultaneous user licenses for applications running on wireless devices  
A method for allocating a plurality of user licenses for simultaneous use of a software application in a wireless communication system. The method includes negotiating allocation of a single user...
7454385 Transaction signature  
The present invention provides systems and methods for protecting transaction information stored in a database of a gaming network. To accomplish this, a transaction signature is generated each...
7451492 Portable information terminal, and electronic information authenticating system and method using same terminal  
An electronic information authenticating system is provided which is capable of providing enhanced security of specified electronic information and its related information in the terminal without...
7440922 System, method, and business method for settling micropayment transactions to a pre-paid instrument  
The invention provides a method, business method, and system for conducting micropayment transactions between consumers and merchants. A merchant offers micropayment transactions to a consumer. The...
7433848 System for carrying out a transaction  
A system is proposed for performing transactions with terminals which fundamentally allow a plurality of different transactions to be performed. The terminals (10, 11) are connected for this...
7421411 Digital rights management in a mobile communications environment  
A method, system, and computer program product for enabling a wireless device in a mobile communication environment to obtain rights to protected content of a digital asset. The digital asset is...
7415443 Online card present transaction  
An online card-present transaction system facilitates card-present type transactions with a merchant over a public network. A host system is configured to accept authentication data from a user via...
7412229 Sales apparatus and method of transmitting and receiving merchandise information by electric field induced in human body  
The button apparatus is an apparatus provided for, for example, a vending machine and to be touched and pressed with the body of a user who wants to purchase a commodity from the vending machine....
7412420 Systems and methods for enrolling a token in an online authentication program  
An online transaction system configured to implement authentication methods that allow for strong multi-factor authentication in online environments. The authentication methods can be combined with...
RE40444 Four-party credit/debit payment protocol  
A method, system, program, and method of doing business are disclosed for electronic commerce that includes the feature of a “thin” consumer's wallet by providing issuers with an active role in eac...
7403924 Communication terminal, portable terminal, circulating server, providing server, electronic book distributing method, and electronic book distributing program  
A portable terminal 20 according to the present invention is provided with an electronic book coupon storage 22, a book data receiver 24, an electronic book coupon deductor 25, and a book data...
7401049 System and method for a prepaid card issued by a foreign financial institution  
A system and method for providing a reloadable prepaid card account maintained by a foreign financial institution is provided. The foreign financial institution is provided with a domestic payment...
7392226 Electronic ticket, electronic wallet, and information terminal  
A network electronic ticket 1003 is provided in an electronic ticket 1000. Start page data 1016, a ticket owner secret key 1017, an electronic ticket possession certificate 1018, and a network...
7386516 System and method for providing secure services over public and private networks using a removable portable computer-readable storage  
A system and method provides secure access over public communication lines using encrypted information on a removable, portable storage medium. Information relating to a customer's financial...
7386481 Method for delivering and charging for services in a telecommunications network  
The method is for delivering and charging for services. The network has one or more user terminals with a browser for requesting services from the service provider and has a connection to a...
7383232 Systems, methods and computer program products facilitating automated confirmations and third-party verifications  
Systems and methods are defined for facilitating the audit process involving a financial institution, a client of the financial institution, and an accountant. A service provider receives the...
7373518 Operation of a security module in a card reader  
Card reader having a control interface 18 for controlling 12 the card reader from the exterior, and a device for reading data cards, particularly chip cards, and also having a security module 20,...
7370203 Method for indivisibly modifying a plurality of sites in a microcircuit card non volatile memory, in particular a contactless card  
A method of connecting a card to a terminal including the following steps: a) on receiving corresponding respective commands from the terminal, it modifies the contents of the card memory by...
7366918 Configuring and managing resources on a multi-purpose integrated circuit card using a personal computer  
The systems and methods provide for configuring and managing resources on a multi-purpose IC card. In one aspect, a user interface (UI) for an application is presented on a display device. A user...
7366703 Smartcard internet authorization system  
A system and method are disclosed for conducting electronic commerce such as a virtual purchase transaction with an on-line merchant. A user is provided with an intelligent token, such as a smart...
7353211 Method for encrypting data and a telecommunications terminal and access authorization card  
A method of encrypting data, a telecommunications terminal and an access authorization card are described, which permit utilization of services of one or more service providers independently of a...
7346587 Intelligent method of order completion in an e-commerce environment based on availability of stored billing information  
An intelligent method of e-commerce order completion automatically completes an order using either stored billing information, or information supplied at purchase if none is stored. User sends an...
7343351 Methods and apparatus for conducting electronic transactions  
A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token,...
7340439 Portable electronic authorization system and method  
In one embodiment, an apparatus comprises a user authenticator and a transponder. The transponder is permitted to emit a wireless signal representing information stored in the apparatus in response...
7340773 Multi-stage authorisation system  
A system for authorizing smart cards via the Internet is provided, comprising a plurality of user stations (1-1-1-n) connected to a server (3) via the Internet (5) . Each of the user stations (1-1;...
7337332 Transferring electronic content  
A method and apparatus for transferring electronic content. The method and apparatus include providing electronic content to a first user, providing the first user with a key packet, the key packet...
7333958 Electronic settlement system, settlement management device, store device, client device, data storage device, computer program, and storage medium  
An effective electronic settlement system in which the number of checks is small. The electronic settlement system includes a data storage device such as an IC card in which value information is...
7328191 Methods and systems for processing unrestricted stored-value instruments  
Methods and systems are provided for processing a stored-value instrument. An unrestricted value associated with the stored-value instrument is authenticated at an instrument-authority system in...
7328187 System and method for issuing cyber payment means marked with business identification information and processing transactions with the cyber payment means on computer network  
A system for issuing cyber payment means (cyber notes, cyber checks, cyber payment certificates, etc.) marked with business identification information, on a computer network, and a method thereof...
7328338 Transaction verification protocol for smart cards  
A protocol appropriate for smartcard purchase applications such as those that might be completed between a terminal or ATM and a users personal card is disclosed. The protocol provides a signature...
7324972 Managing transactions on a network: four or more parties  
A system for managing user accounts and controlling anonymous access to resources over data networks for a plurality of provider members in a manner to preserve the secrecy of the identity of a...
7325132 Authentication method, system and apparatus of an electronic value  
An authentication system providing a safety authentication process of electronic values with the use of mobile terminals which do not have a tamper-resistant function. The electronic value...
7318235 Attestation using both fixed token and portable token  
Methods, apparatus and machine readable medium are described for creating and using protected key blobs that require a particular portable token be present before use of the key or keys of the...
7308431 System and method of secure authentication and billing for goods and services using a cellular telecommunication and an authorization infrastructure  
A system, method and computer program for authorizing a mobile station to use a product, service, access or other rights provided by a service provider through the use of digital signatures. These...
7302413 Systems and methods for providing loan management from cash or deferred income arrangements  
This invention includes methods and systems for providing participants in benefit plans with loans related to the participants' vested assets in the benefit plans. Administrative systems of this...
7299211 Transaction number management method in network commodity sales  
A cart ID according to the present invention is an identification code including receipt information containing at least a receipt number (serial number) indicating a receipt number of the...
7295997 Method for shipping a package privately to a customer  
Methods and systems consistent with the present invention facilitate in sending a package (112) to a customer at a physical address via a shipper (106) while preserving customer privacy. In...
7287162 System and method for platform activation  
A platform discrimination indication register is stored in a wireless network card. This register holds a platform discrimination indication that indicates whether the wireless network card can be...
7287011 Application management for multi application devices  
A process and system for managing and leasing memory capacity on a plurality of smartcards and/or smartcard terminals. The capacity is leased to developers of various applications who wish to load...
7266525 Invoiceless trading and settlement method and system  
Methods and systems consistent with the present invention overcome the shortcomings of existing trading systems by providing an invoiceless trading system that creates incentives for customers to...
7254561 Method and device for performing electronic transactions  
A method and a device for carrying out electronic transactions. A sender produces, under his own full control, a transaction message in a smart card (1) and provides the message with his digital...
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...
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...
7249109 Shielding manipulations of secret data  
This invention concerns a method of shielding manipulations of secret data in an authentication chip from observation. In another aspect it concerns an authentication chip for performing the...
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...
7246377 Method and apparatus for mediation of security information, and a computer product  
The security information mediation apparatus comprises security information registering unit which registers security information supplied by a client of a user, a transfer unit which transfers the...