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8577782 Trading with conditional offers for semi-anonymous participants  
According to one embodiment of the present invention, a method for generating conditional offers for semi-anonymous trading participants is provided. According to one embodiment of the present...
8577730 Cash management optimization for payment processing  
Embodiments of the present invention provide a method, system and computer program product for cash management optimization method for payment processing. In an embodiment of the invention, a cash...
8577811 In-band transaction verification  
Various embodiments of a system and method for in-band transaction verification are described. The system and method for in-band transaction verification may include a transaction verification...
8572701 Authenticating via mobile device  
A first server device is configured to receive an authentication request from a second server device; add the authentication request to a queue associated with a user; and provide a representation...
8571981 Method and system for establishing electronic financial transactions between entities  
One embodiment provides a system that facilitates an electronic transaction between a set of entities. During operation, the system discovers a potential interaction between the entities and...
8572388 Electronic document management system  
A method, apparatus and program product provide a mechanism for managing the execution of electronic documents using electronic signatures. Documents requiring electronic signatures are...
8566175 Common purchasing user interface  
In general, the subject matter described in this disclosure can be embodied in methods, systems, and program products. A first third-party application program that was developed by a first entity...
8561100 Using xpath and ontology engine in authorization control of assets and resources  
An embodiment defines access control allowing the expression of access control rules using ontology based semantics and references an ontology subset using XPath as the ontological expression. The...
8560458 Method and system for making transactions through electronic portable devices which can be connected to a communication network, and associated portable electronic device  
A method and system for making transactions with at least one merchant site through an electronic portable device which can be connected to a communication network, comprising a connection of an...
RE44542 Check based online payment and verification system and method  
A method and system for verifying a check that is being used for an on-line transaction, utilizes a hash code value either printed directly on the check, or obtained from an insert card provided by...
8560457 Enhanced network server authentication using a physical out-of-band channel  
Systems and methods for increasing user trust by authenticating an electronic commerce server over an electronic communications channel using information received through an out-of-band...
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...