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8554689 Biometric authentication of mobile financial transactions by trusted service managers  
A method for authenticating a financial transaction at a point of sale (POS) includes storing an application program in a first secure element of a mobile phone. The application is configured to...
8543817 Secure indentification and authorization apparatus and method  
A cryptographic system that continuously identifies both the client and server applications/systems without the need for long term secret keying material or traditional encryption techniques. This...
8543510 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,...
8543512 Licensed content utilization validation using cache parameters  
A utilization method and system within a communication network comprises at least one service provider and at least one service consumer. In particular, a there is license contract method and...
8538881 Method and apparatus for secure access payment and identification  
According to one aspect, the invention provides a system for authenticating identities of a plurality of users. In one embodiment, the system includes a first handheld device including a wireless...
8538893 Apparatus and method for electronic transaction evidence archival and retrieval  
An electronic transaction evidence archive apparatus and method archives electronic transaction evidence, such as public key based electronic transaction evidence on behalf of a first party. The...
8510116 Synchronized voice signature  
Methods and systems are disclosed for capturing consumer voice signatures. The methods and systems synchronize voice signatures with display of the terms and conditions of a transaction to the...
8510845 Method and apparatus for monitoring identity misrepresentation by a user on a network  
Method and apparatus for monitoring identity misrepresentation by a user on a network are described. In one example, validated identity information for the user is received from a trusted source....
8504840 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...
8499339 Authenticating and communicating verifiable authorization between disparate network domains  
Verifiable authentication credentials are provided to foreign systems without passing an id and password to the protected resource. A user wishing to access a secure remote site is prompted for...
8499332 Electronic board provided with security functions and method for ensuring electronic board security  
An electronic card is disclosed including circuits of the protected zone include at least one control circuit. The electronic card further includes another zone defining a non-protected...
8494969 Cryptographic server with provisions for interoperability between cryptographic systems  
The invention is a cryptographic server providing interoperability over multiple algorithms, keys, standards, certificate types and issuers, protocols, and the like. Another aspect of the invention...
8494966 Method and apparatus for facilitating the transfer of a software license between computer systems  
One embodiment of the present invention provides a system that facilitates the transfer of a software license from a first client to a second client. The system operates by receiving a request at...
8488784 Organic keyed encryption  
An encryption technique that creates a unique encryption key or fingerprint based on unique physical and electrical characteristics of a target electronic assembly to be protected. The encryption...
8489513 Methods and apparatus for conducting electronic transactions  
A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use...
8483386 Share generation apparatus, reconstruction apparatus, verification apparatus, and secret sharing system  
A share generation apparatus (100) generates check data corresponding to a secret and random number, shares and encodes the secret and random number in accordance with a predetermined access...
8478995 Method of encrypting and transferring data between a sender and a receiver using a network  
A method of encrypting and transferring data between a sender and a receiver using a network thereby transferring data in a secure manner includes the steps of a server receiving from the sender an...
8474034 Method and apparatus for fast check and update of anti-replay window without bit-shifting in internet protocol security  
An apparatus comprising a processor configured to implement an anti-replay check for a plurality of received packets and a plurality of corresponding sequence numbers; and a circular buffer coupled...
8473414 System and method including chip-based device processing for transaction  
Present embodiments are directed to a server computer. The server computer establishes a first channel of communication to receive payment device data in a first format (e.g., chip type) and...
8473418 Sensitive data aliasing for transaction-card and other applications  
Database management and security is implemented in a variety of embodiments. In one such embodiment, data sets containing retail transaction information are analyzed using aliases representing...
8463710 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse  
Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module...
8452680 Biometric financial transaction system and method  
Tokenless biometric authorization of transaction between a consumer and a merchant uses an identicator and an access device. A consumer registers with the identicator a biometric sample taken from...
8452710 Secure expandable advertisements using an API and cross-domain communications  
A system to present secure expandable advertisements using an API and cross-domain communication. A content publishing system that hosts a website can implement an expandable advertisement using...
8452267 System and method for granting access to a system  
A method and system for granting access to a service is based on a received request and a communication between a subscriber, client and a service provider.
8447697 Rights offering and granting  
Processes and systems for offering and granting digital rights that govern distribution and usage of content, services and resources. The processes and systems provide a basis for flexible business...
8447700 Transaction authorization service  
System and method for authorizing transactions, such as payments or money transfers. A source entity may initiate a transaction with a target entity via a first communications channel. In...
8442920 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...
8442919 Token based new digital cash protocols with combined blind digital signature and pseudonym authentication  
Digital cash token protocols use a combination of blind digital signatures and pseudonym authentication with at least two pairs of public and private keys. A user is provided with one master pair...
8433658 Methods and apparatus for conducting electronic transactions  
A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use...
8429084 Confirming local marketplace transaction consummation for online payment consummation  
Exemplary embodiment of the present invention would provide systems, including Internet-based systems, and computer-implemented methods, for providing online Buyers and Sellers who physically...
8429708 Method and system for assessing cumulative access entitlements of an entity in a system  
A method and system is provided for assessing the cumulative set of access entitlements to which an entity, of an information system, may be implicitly or explicitly authorized, by virtue of the...
8423457 Anonymous mobile payments  
Anonymous mobile payments enable a user to make and/or receive payments without disclosing personal or private information to another party. In some aspects, a provider of a payment may request an...
8421594 Tag-based personalization  
Embodiments of methods and apparatus for tag-based personalization of kiosk computing devices are disclosed. In embodiments, an authentication server/system may receive, from a mobile device, a...
8423476 Methods and apparatus for conducting electronic transactions  
A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use...
8417947 Electronic authorization system and method  
An electronic authorization system comprising a data source system configured to transmit transaction data. A secure data system is coupled to the data source system over an open network, the...
8413896 System and method for new execution and management of financial and data transactions  
A system and method for execution of financial and data transactions includes a point-of-sale device configured to execute a transaction in which at least one good or service is sold to an...
8412597 System for targeting messages to consumers based on determination of current ownership  
A computer program enabling the determination of an inference related to the purchase of an item by a customer. The program analyzes certain public information relative to an entity's customer...
8412638 Method and system for validating a device that uses a dynamic identifier  
A method that comprises obtaining a currently received signature from a device; obtaining a candidate identifier associated with the device; consulting a database to obtain a set of previously...
8406382 Transparent voice registration and verification method and system  
A method includes registering a voice of a party in order to provide voice verification for communications with an entity. A call is received from a party at a voice response system. The party is...
8407148 Systems and methods to provide messages in real-time with transaction processing  
In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger...
8396811 Validation approach for auditing a vendor-based transaction  
A computer processing system for auditing transaction information between vendors and service providers servicing a third party's needs. The system also includes those transactions involving...
8387129 Method and apparatus for verifying data packet integrity in a streaming data channel  
Disclosed is a method for verifying data packet integrity in a streaming-data channel. In the method, data packets are received from the streaming-data channel. Each data packet includes a data...
8386541 Dynamic change data capture process  
Systems and methods for dynamically creating Entity-Specific Views from one or more Data Warehouses are provided. The system may involve multiple data sets within a Data Warehouse and may provide a...
8386349 Verification of a portable consumer device in an offline environment  
A portable consumer device includes a base, and a computer readable medium on the base. The computer readable medium comprises code for an issuer verification value and a supplemental verification...
8380629 Seeding challenges for payment transactions  
Systems, methods, and apparatus are provided for authenticating a consumer using challenge questions. A response to a challenge question is verified via seeding the challenge question, receiving...
8380637 Variable fractions of multiple biometrics with multi-layer authentication of mobile transactions  
Virtually fraud-proof authentication for wireless mobile financial transactions. A mobile telephone, genius card or dongle may capture multiple biometrics, such as fingerprint, voiceprint, retinal...
8380636 Personal interface device and method  
A personal device is provided. The personal device includes an identification verification system that receives first identification data from a physical identification device, such as by inserting...
8375441 Portable consumer device configured to generate dynamic authentication data  
Embodiments of the invention provide a portable consumer device configured to store dynamic authentication data in memory. The portable consumer device also includes an interface for transmitting...
8374964 Methods and systems for processing stranded payments and lockbox payments at the same designated payment location  
Embodiments of the invention describe an electronic method for processing stranded payments and lockbox payments at the same designated payment location. The method includes receiving a stranded...
8370265 System and method for managing status of a payment instrument  
A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The...