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9020858 Presence-of-card code for offline payment processing system  
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each...
9009081 Purchasing tickets using an NFC enabled mobile communication device  
A method for using a mobile communication device to purchase a ticket for an event. The method comprises locating an event of interest to a user through the mobile communication device, displaying...
8990117 Smartcard to virtual media conversion  
In one embodiment, a method for converting a smartcard into a virtual media in a transit system is provided. The method includes reading data from a smartcard. The data includes product...
8959034 Transaction signature for offline payment processing system  
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each...
8943323 System and method for provisioning device certificates  
A method is provided for provisioning a device certificate. A device certificate request is transmitted from a communication device to a server in a communication network using an established...
8935186 Wireless payment with a portable device  
A portable device receives an account information request signal from a merchant machine. The portable device transmits a response message to the merchant machine. The response message comprises...
8930279 System and method for prepaid account replenishment  
A method of processing a transaction for provision of funds to a mobile telephone prepayment account associated with a mobile telephone is disclosed. The method includes: an Automated Teller...
8923838 System, method and computer program product for activating a cellular phone account  
A system, method and computer program product are provided for activating a cellular phone account utilizing automated speech recognition. In use, information about a user is received over a...
8909557 Authentication arrangement and method for use with financial transaction  
A system and method for generating an authentication token which is used by an issuer associated with a integrated circuit card to authenticate a transaction. A personal card reader receives data,...
8904498 Biometric identification for mobile applications  
Methods for automating the entry of password information and other user credentials into native and web-based computing applications are described. In some embodiments, an end user identity and a...
8903744 System and method for controlling access to personal identification information contained in documents  
A system and method for creating a document containing secured personal identification information includes a database containing personal identification information; a classifier module for...
8903425 Method and system for accessing places  
A method for automatic access to a pre-reserved place may operate on a hotel reservation system, which can communicate with a user smart phone application. The method includes receiving a request...
8898088 In-card access control and monotonic counters for offline payment processing system  
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each...
8892475 Provision of authorization and other services  
Methods, apparati, and computer-readable media for providing authorization and other services. In a preferred embodiment, an authorization service includes both a messaging specification and a set...
8886570 Hacker-resistant balance monitoring  
Methods of and systems for securely monitoring a balance of a payment account include storing, in a first database, ledger data and storing, in a second database, wallet data. Wallet data includes...
8886562 Robust payment settlements using distributed and potentially unreliable computer systems  
Settlement transactions are processed on a distributed computer system. Settlement data describing a settlement request are received and stored in a settlement storage. The storage includes a...
8862518 Multi-way transaction related data exchange apparatus and methods  
Methods and apparatus for conducting electronic transactions such as commerce transactions or purchases and exchanging related information. In one aspect, a robust and integrated apparatus and...
8839385 Systems and methods for implementing device-specific passwords  
Each of multiple computing devices of a user is registered by obtaining therefrom identifying indicia, obtaining from the user a device-specific password for the computing device, and storing the...
8838502 Method of using personal device with internal biometric in conducting transactions over a network  
A method of authorizing a commercial transaction between a customer and a provider of goods or services over a network, wherein the provider of goods or services requests that the customer provide...
8832440 Data security system  
A data security system includes providing a unique identification from a first system to a second system; copying the unique identification in the second system by the first system; and unlocking...
8818906 Systems and methods for performing authentication of a customer interacting with a banking platform  
The invention provides systems and methods of authenticating a customer device, in conjunction with a requested interaction, the customer device associated with a customer, the method performed by...
8818907 Limiting access to account information during a radio frequency transaction  
The present invention provides a system and method for facilitating a RF transaction using a secondary transaction number that is associated with a user's primary transponder account. The user...
8812402 Methods, apparatus and articles for use in association with token  
In some embodiments, a method comprises receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and...
8812398 Key for a wireless-enabled device  
A user sets up an account including radio identification, billing information, etc. via a web-based account creation device, or over the telephone with an account representative. An activation key...
8812401 Secure payment capture processes  
Methods and processes for securely capturing payment device information and conveying the securely captured payment device information to a client application on a merchant's client device in a...
8805746 Smart card purchasing transactions using wireless telecommunications network  
A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For...
8800865 System and method to allow access to a value holding account  
Example systems and methods that allow access to a value holding account are described. In one implementation, a method receives a first request for a second account code after activation of a...
8800056 Guided implicit authentication  
Embodiments of the present disclosure provide a method and system for guided implicit authentication. The system first receives a request to access the controlled resource from a user. The system...
8800004 Computerized authorization system and method  
A computerized authorization system configured to authorize electronically-made requests to an electronic entity. The computerized authorization system comprises a store configured to store an...
8782769 System and method for providing a rest-based management service in a traffic director environment  
Described herein are systems and methods for providing software administration tools, for use in administering server configurations, such as in a traffic director or other type of server...
8781905 System and method for transponder-enabled account transactions  
A transponder-initiated transaction system is electromagnetically coupled to an account transponder device at the point of sale. The account transponder device may be embedded within a watch, key...
8775188 Method, device, and system for voice approval  
Embodiments of the present invention provide a method for voice approval, where the method includes: receiving voice approval request information sent by an enterprise application server;...
8775321 Systems and methods for providing notification of and access to information associated with media content  
Certain embodiments provide a user notification such as a cue in a media content player. The notification or cue indicates that there is additional content available for a piece of media being...
8775312 Alternative payment method for online transactions using interactive voice response  
A method for performing payments in remote transactions between a buyer and a vendor is provided. The method includes receiving buyer information from a vendor's network outlet when the buyer...
8768840 Universal positive pay match, authentication, authorization, settlement and clearing system  
A Universal Positive Pay Database (UPPD) method, system and/or computer useable medium to reduce financial transaction fraud. A UPPD database is configured to store thereon transaction records...
8769656 Method and trusted service manager for providing fast and secure access to applications on an IC card  
A method for providing fast and secure access to MIFARE applications installed in a MIFARE memory being configured as a MIFARE Classic card or an emulated MIFARE Classic memory, comprises: keeping...
8763907 Barcode device  
Bar codes used for various applications. A bar code can be used for biometrics, or for computer data entry. A special bar code is described that has additional information, but can be read by...
8768838 Financial transactions using a rule-module nexus and a user account registry  
A method and a system for processing an online financial transaction executed at least partially by a computing device coupled to a communications network, comprising a rule-module nexus for...
8762284 Systems and methods for facilitating secure transactions  
Various embodiments are directed to methods for generating proxy account data for a financial account and authorizing payment from an account of a customer based on proxy account data. Example...
8755525 Quantum key distribution involving moveable key device  
A method of key distribution from a first entity to a second entity including the first entity communicating with a moveable key device so as to share a secret data with said moveable key device,...
8751404 Method and mobile terminal for realizing network payment  
For solving the problem that multiple Universal Serial Bus (USB) Keys are required to be taken to realize multiple network payments in the conventional art, the provides a method and a mobile...
8746565 Barcode device  
Bar codes used for various applications. A bar code can be used for biometrics, or for computer data entry. A special bar code is described that has additional information, but can be read by...
8751379 Mobile money transfers  
Methods and systems are disclosed for conducting person-to-person money transfers over a handheld mobile device using any suitable text messaging service. In one implementation, the money transfer...
8744974 Systems and methods for secure wireless payment transactions when a wireless network is unavailable  
Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems,...
8740069 Fraud-free payment for internet purchases  
A simple, non-intrusive, fraud free payment method for customers to make Internet purchases without using credit cards or revealing personal information. Customers can purchase any specific dollar...
8738540 Techniques for mobile transaction processing  
Techniques for automated mobile transaction processing are provided. A consumer traverses to a web portal or other type of enterprise terminal device of an enterprise and proceeds to shop. During...
8733658 Barcode device  
Bar codes used for various applications. A bar code can be used for biometrics, or for computer data entry. A special bar code is described that has additional information, but can be read by...
8730043 Credit card holding device with security system  
A card holding device featuring a housing with a plurality of slots in the top panel that allow passage of credit cards. Card holding mechanisms are disposed in the housing, which engage the...
8719907 Computerized authorization system and method  
A computerized authorization system configured to authorize electronically-made requests to an electronic entity. The computerized authorization system comprises a store configured to store an...
8719583 Apparatus for verifying and for generating an encrypted token and methods for same  
Embodiments show an apparatus for verifying a validity of an encrypted token associated to a product, wherein the apparatus has a decryptor for decrypting an encrypted token using a decryption key...