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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...
8370264 System and method of fulfilling a transaction  
A method is disclosed that includes receiving a request for a transaction from a customer at a seller server system via an electronic-commerce website and identifying a customer account stored at...
8370266 Authentication-authorization system for mobile communication terminal and method therefor  
An authentication-authorization system for a mobile communication terminal and a method therefor are provided. When a mobile communication terminal is in a connect state, code data randomly...
8370916 Digital receipt for a transaction  
A first user (110) requests a service provider (130) to create (200,400) a record of a transaction. The service provider (130) creates (230,430) a digital receipt (300,700,900), which includes a...
8364552 Camera as a vehicle to identify a merchant access device  
Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from...
8364596 System and method for providing and/or obtaining electronic documents  
A system and method comprising filtering electronic data on a transaction per transaction basis and replicating the filtered electronic data in response to a request to obtain electronic data on...
8364962 Communication data freshness confirmation system  
A receiving device sends challenge information to a transmitting device. The transmitting device initializes a time varying parameter and transmits communication data together with data derived...
8364556 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...
8359396 Multiple identity management in an electronic commerce site  
In electronic commerce (e-commerce) sites that are executed on a single e-commerce application, a user's session is only associated with a single user identity for e-commerce site domain. Acting...
8359274 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...
8355991 Method and apparatus for executing cryptographically-enabled letters of credit  
A method and apparatus for executing electronic transactions using cryptographically-enabled accounts stores cryptographically-enabled account information and instructions, receives a...
8353018 Automatic local listing owner authentication system  
A method and apparatus for verifying that a user is the owner of a public listing is provided. The user selects an option to claim ownership of the public listing offered by an online service...
8352312 System and method for controlling actions taken on voting devices  
The present invention is directed to a system and method that allows a central election office to maintain control over actions taken on voting devices located at various polling locations. In an...
8352380 Method and system for generating a list signature  
The invention relates to a method for generating a list signature for a message to be signed, said method comprising steps which are carried out by an electronic material support of a member of a...
8352379 Method for certifying and verifying digital web content using public cryptography  
There is provided a method of, computer programs for and apparatus for providing and accessing digital content such as a news item. A news provider generates a news item, creates a digitally signed...
8352375 Digital rights management  
A method for digital rights management includes receiving a selection input from a user, associating a customer number with a file based on the selection input, embedding the customer number and a...
8346669 Method of requesting a customized instance of an object using information contained within an existing instance  
A method and system for reselling an object in a client-server environment is disclosed. The method and system also enables a user using a client device can order an object, order a customized...
8346672 System and method for secure transaction process via mobile device  
A system providing enhanced security for device based transactions, constituted of: a server associated with a network address; a first device associated with a user, the first device in...
8346671 System and method for point-to-point encryption with adjunct terminal  
A system for point-to-point encryption is provided. A card reader system reads unencrypted card data stored on a magnetic stripe of a card and encrypts the card data, the card reader system being...
8346670 System for controlling user access to a service  
The invention concerns a system for controlling user access to a service having a read device (210) arranged to contactlessly read a payment card (211) of a user; and a control block (214) coupled...
8346639 Authentication of a data card using a transit verification value  
Transaction processing involves receiving data from an access transaction application of a portable consumer device, wherein the received data comprises data from an access transaction data string...
8336763 System and method for processing transactions  
There is disclosed a transaction processing server (300), comprising: means (304) for receiving a request (224) to initiate a transaction, the request including user identification data (220) and...
8341737 Detecting fraudulent web sites through an obfuscated reporting mechanism  
A callback component embedded on a web site determines a current location of the web site. The current location is compared to a known legitimate location of the web site to determine if the web...
8336090 System and method for unlimited licensing to a fixed number of devices  
A method and system providing access to electronic content includes receiving a request to access the electronic content from a user device, accessing a unique ID of the user device, and comparing...
8335745 Method and system for processing micropayment transactions  
Methods and systems for performing micropayment transactions over communication networks is provided. These methods and systems enable ubiquitous micropayments by providing a seamless payment...
8332328 System and method for redistributing and licensing access to protected information among a plurality of devices  
A method and apparatus of encouraging distribution, registration, and purchase of free copyable software and other digital information which is accessed on a User's System via a Programmer's...
8332329 Virtual check  
Methods and systems for virtual checking are described. A virtual check is created by a payor's device and then sent to the payee's device. The payee can be another mobile device. The virtual check...
8326766 System and method for linked account having sweep feature  
A computer-implemented method for facilitating electronic funds transactions is disclosed. According to one embodiment, the method may comprise the steps of: issuing a transaction card to a...
8327147 Non-transferable anonymous digital receipts  
The present invention relates electronic receipts. There is provided a method for generating an electronic receipt in a communication system providing a public key infrastructure, the method...
8323099 Associating portable wagering game machines with a stationary wagering game machine  
Embodiments of a portable wagering game machine and a stationary wagering game machine are described herein. In one embodiment, a plurality of portable wagering game machines are associated with a...
8321341 Online fraud prevention using genetic algorithm solution  
Online fraud prevention including receiving a rules set to detect fraud, mapping the rules set to a data set, mapping success data to members of the rules set, filtering the members of the rules...
8315948 Method and device for generating a single-use financial account number  
A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit...
8315952 Money transfers using digital cash  
Methods and systems are described for transferring funds from a sender to a recipient. Source funds are received from a sender. An amount of recipient funds is determined from a value of the source...
8313018 Mobile ticket virtual sensor for context detection  
An apparatus and method for are provided. The method includes determining that a barcode displayed on a mobile terminal has been scanned, retrieving metadata corresponding to the barcode when the...
8312023 Automated forensic document signatures  
Methods and systems are provided for a proactive approach for computer forensic investigations. The invention allows organizations anticipating the need for forensic analysis to prepare in advance....
8306510 Person to person virtual cash transfer transaction using mobile phones  
A person to person cash transfer transaction method using mobile phones comprising the steps of: —sender sends a transfer command to the recipient containing the transfer amount, sender's PIN and t...
8301876 Techniques for secure network communication  
Techniques for secure network communication are provided. Credentials for a user along with a transparently generated secret are sent to a resource that the user desires to establish a secure...