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8233601 Interrupt payment system  
An interrupt payment system (100) comprising means (100) for detecting an interrupt signal generated by a party to a call; means (102) for obtaining details of a payment to be made on detection of...
8229860 Payment system and its method for supporting user verification in VoIP configuration  
Disclosed is a payment system and method for supporting user verification in VoIP configuration by receiving secret number or VoIP phone number of a user as payment information on Internet and...
8229848 Secure networked transaction system  
A method and system for approving a transaction between a customer and a merchant including the steps of transmitting a transaction request from a customer to a merchant; transmitting a...
8221221 Metrics-based gaming operations  
Methods and systems for metrics-based gaming operations are provided. Information concerning game play for each play may be received and stored. Such information may be used to generate certain...
8224753 System and method for identity verification and management  
A system for verifying the identity of a user includes an identification score assignment module configured to receive at least one source of identification of the user and to assign an...
8219491 Systems and methods for providing ACH transaction notification and facilitating ACH transaction disputes  
A system and method for identifying incoming ACH transactions involving subscriber accounts at a financial institution, comparing the ACH transaction details with preset notification criteria,...
8219493 Messaging method and apparatus for use in digital distribution systems  
A method of subsidizing the presentation of media content by including informative messages as part of the presentation. The presentation of the media content is paused while the informative...
8220057 Method for the automatic control of fraud in an electronic transaction system  
A method of automatically controlling fraud in an electronic transaction system. When a user initiates a session in the electronic transaction system, an element is generated and stored in a...
8214299 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,...
8209536 Message authentication system, message transmission apparatus and message reception apparatus  
In a message authentication system in which a message is transmitted from a message transmission apparatus 100 to individual message reception apparatuses 120 through wireless communication...
8205793 Banking transaction processing system  
Banking transaction processing apparatus and methods are disclosed. In one general aspect, a banking transaction processing method includes accessing a first authorization code from a first device,...
8204214 Method and system for generating data transaction ID  
A method for generating a data transaction ID for an interaction between first and second units, the method comprising: the first data unit generating a first data item as a function of a first...
8204831 Post-anonymous fuzzy comparisons without the use of pre-anonymization variants  
A method, apparatus, and article of manufacture for processing data. The method, apparatus and article of manufacture preferably comprise the steps of: (a) receiving a record having a plurality of...
8200582 Mobile device password system  
A mobile payment system password restriction system is provided. The system comprises a portable electronic device, an electronic wallet application, and an access restriction application that,...
8195575 Systems and methods for providing change of address services over a network  
This disclosure describes systems and methods for collecting and processing change of address data and providing change of address services to a customer using a computer network. The address data...
8195505 System, method and computer program for vote tabulation with an electronic audit trail  
A system, method and computer program for tabulating votes and creating an audit trail is provided. A ballot processing device is integrated with a ballot box. The ballot processing device includes...
8185743 Systems and methods for application locking using an internal and external checksum  
Methods and systems for locking an application are described. A method includes receiving, over a communication network from a remote applicant, a signature for an application. The signature...
8185478 Systems and methods for conducting transactions and communications using a trusted third party  
Systems and methods are provided for managing the transfer of electronic files. In one embodiment, a sender transfers an encrypted version of a file (such as a digitally encoded audio track, movie,...
8180687 Method for selectively verifying or blocking remote purchase requests  
A method for partially verifying the legitimacy of a remote purchase request based on a card number from a card issuing financial institution. The method includes receiving and storing a first...
8172132 Identity verification systems and methods  
Systems and methods are disclosed for verifying customer identifications. In one embodiment, the method comprises receiving, at a transaction gateway, a communication associated with a transaction...
8175519 Third-party provider method and system  
Methods and systems for processing negotiable economic credits through, or at the request of, a hand held device in association with a third-party provider communicative with the hand held device...
8171294 Additional-information detection processing apparatus and method, content playback processing apparatus and method, and computer program  
Information capable of tracing a content distribution route, such as a user ID of a content destination, a content ID, a content provider ID, and a service provider ID, is superimposed on the...
8170937 System and method for an automated sales system with remote negotiation and post-sale verification  
The present invention provides a system and method to process items for sale or bid, to transmit electronic negotiations between prospective buyer and seller, and to verify the condition of the...
8171285 Cryptographically signed filesystem  
A cryptographically signed filesystem provides a central database resident on a server that contains database objects. The server creates startup software to be installed in a client system's read...
8170953 Systems and method for screening payment transactions  
Methods and systems for anti money laundering screening are provided. The method includes determining a risk score and a first validation code associated with the risk score, based on information...
8165963 License scheme for use with stackable devices  
A method (300), system (100) and apparatus (200) are provided that enable selected features in a group of two or more devices. A first of the devices (102A) receives a license (306) identifying...
8157647 Tournament manager for use in casino gaming system  
Various techniques are disclosed for operating a gaming device of a casino gaming network. In at least one embodiment, the gaming device includes a tournament manager and a first meter. In at least...
8160933 Method and system to automate payment for a commerce transaction  
A method and system to automate payment for a network-based commerce transaction provide a buyer an option to enable an automatic payment service, wherein automatic payment service automatically...
8145908 Web content defacement protection system  
A method and mechanism for protecting a website against defacement are provided. A content owner may associate content with a digital signature. The digital signature allows a recipient of the...
8140345 System and method for performing a business process in a multi-enterprise, collaborating network  
A system for performing a business process includes a first version of a business application executed by a first client to perform a particular business process and a second version of the...
8140440 Paperless mortgage closings  
Concepts and technologies are disclosed herein for providing an electronic document processing system, an electronic document generation mechanism, an encrypted digital certificate generator, a...
8140430 Escrow accommodation system  
An escrow accommodation system adapted for deployment in the offices of brokers, mortgage companies, lending institutions and title insurers to facilitate remote video-conferencing of potential...
8135647 Consumer authentication system and method  
A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A...
8130961 Method and system for client-server mutual authentication using event-based OTP  
The invention comprises a method of authenticating and encrypting a client-server communication, comprising the steps of: a) generating a first one-time password (OTP1) and a second one-time...
8132011 System and method for authenticating at least a portion of an e-mail message  
A system and method allows some or all of an e-mail message, such as the sender or its contents, to be authenticated, for example, to identify a message as potential spam.
8126815 Method and system for carrying out verification processes including optical scanning of information displayed via a mobile telephone terminal  
The invention relates to the carrying out of verification processes with regard to authorization of user and/or payment processes by means of a mobile telephone terminal, whereby an identifier...
8127137 Watermark payload encryption for media including multiple watermarks  
The present invention provides encryption techniques useful with digital watermarking payloads. One claim recites: a method to secure a first digital watermark payload and a second digital...
8121957 Discrete verification of payment information  
In a computing system, in response to an order placed by a customer, a request for verification information is received from a merchant. Customer information is communicated to an issuing...
8121956 Cardless challenge systems and methods  
Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the...
8113419 Processing device for value documents  
An apparatus for processing documents of value having a checking device for checking documents of value in a processing area, an intermediate repository arranged in an intermediate area for...
8117444 Host computer, mobile communication device, program, and recording medium  
The object of the present invention is to provide an authentication system capable of achieving suitable authentication processing while guaranteeing the maximum convenience for the customer. A...
8117455 Object authentication from a signature part  
A method of authenticating an object in which a computer system receives indicating data from a sensing device. The indicating data is generated in response to sensing of coded data provided on or...
8112039 System and method for detecting radar signals in wireless communications access points  
A system and method for providing radar signal detection in a communications system. In an example method, a raw energy detect signal is received and analyzed to determine if the raw energy detect...
8112359 Pre-sale data broadcast system and method  
In one embodiment, a method for promoting the sale of a substitute product at the point of sale (POS). Upon the presentation of an original product for purchase by a consumer at a POS terminal,...
8103588 System and method for account level blocking  
A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the...
8099368 Intermediary service and method for processing financial transaction data with mobile device confirmation  
A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The...
8099329 Systems and methods for determining taxes owed for financial transactions conducted over a network  
Various embodiments of the invention provide a more secure financial transaction system for e-commerce sectors that (1) more securely processes payment transactions, (2) helps to protect merchants...
8099600 Content distribution site spoofing detection and prevention  
A method, system and apparatus for detecting and preventing content distribution site impersonation. In this regard, a method for detecting and preventing content distribution site spoofing can...
8094949 Music methods and systems  
The disclosure details a variety of applications of steganographic encoding and decoding of auxiliary information in physical and media objects. In particular, digital watermarks embedded in media...
8095672 Verifying online identities across parental control systems  
Identities of owners of electronic communication aliases are collected from a plurality of client computers across a parental control system. Each collected identity corresponds to an electronic...