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5457305 |
Distributed on-line money access card transaction processing system
A distributed on-line transaction processing system (10) that functions with to any existing credit card and debit bank card processing center (18). The system (10) consists of a customer...
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5432506 |
Counterfeit document detection system
A system for verifying the authenticity of a document that bears a number of fields of strings of variable characters such as a check bearing date of issue field, payee field and numeric and alpha...
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5377268 |
Metering system with remotely resettable time lockout
A metering system requires a user to provide periodic, accurate meter readings to a billing authority. The metering system includes a mechanism for dispensing postage or another accountable...
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5371797 |
Secure electronic funds transfer from telephone or unsecured terminal
A secure electronics funds or other financial transaction system that provides substantially equivalent security to that obtained by the use of secure point of sale terminals such as automatic...
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5343529 |
Transaction authentication using a centrally generated transaction identifier
Each access attempt transmitted to an authentication agency causes the agency to produce a request identifier unique to that request. The request identifier is transmitted back to the...
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5341428 |
Multiple cross-check document verification system
A check or other document verification method in which a data encryption algorithm is applied to personal identification number (PIN) and selected other information particular to each document such...
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5337358 |
Apparatus for recording a transaction including authenticating an identification card
Apparatus for recording a transaction where the transaction includes authenticating an identification card; the card having information pertaining to an object or other entity to be identified on a...
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5319710 |
Method and means for combining and managing personal verification and message authentication encrytions for network transmission
The method and means of transmitting a user's transaction message to a destination node in a computer-secured network operates on the message, and a sequence number that is unique to the...
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5297202 |
Apparatus and method for producing a digitized transaction record including an encrypted signature
A method and system for generating a completed payment document ready for signature in image form. The document is signed by a customer and a copy of the signature is captured in digital form....
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5283829 |
System and method for paying bills electronically
An electronic bill payment system and method include billing equipment for creating approval records and generating approval numbers for each pre-authorized subscriber. The system also includes an...
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5259025 |
Method of verifying fake-proof video identification data
A fake-proof card verification system allows for the reading of data from an EEPROM memory device. A photographic-type image is stored in the memory device. The data comprises a data table...
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5256863 |
In-store universal control system
The present invention relates to a system for automating data acquisition and processing at a checkstand point-of-sale in a retail outlet. Preferred embodiments include a first local area network...
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5245657 |
Verification method and apparatus
A prover possessing public information and related secret information sends the public information and an initial message to a verifier. The verifier sends back a random message and an enquiry...
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5231666 |
Cryptographic method for updating financial records
A data processing system, method and computer program provide for the secure updating an electronic purse which includes a list of purse records. The method includes the step of defining an...
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5191613 |
Knowledge based system for document authentication
The document authentication apparatus provides document authentication and authenticity capability. Document authentication requires that the person to be charged apply an authenticating mark on...
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5163098 |
System for preventing fraudulent use of credit card
A credit card system uses an encryption algorithm to generate a first encoded text from the card number and a password supplied by the user. The card user is verified by comparison of the first...
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5097504 |
Method and device for qualitative saving of digitized data
An encrypted signature S representative of the information and of the identity of the holder of the information is established by means of a calculation algorithm for the encryption and the...
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5018196 |
Method for electronic transaction with digital signature
A mediation can be requested to a computer connected to a communications network when transacting parties A and B effect an electronic transaction and trouble takes place during the transaction....
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4962531 |
Transaction system comprising one or more host exchanges and a number of distributed terminal stations
A transaction system comprises terminal stations which can communicate with a host exchange. In order to improve the communication, concentrators are arranged between the host exchange and the...
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4926478 |
Method and apparatus for continuously acknowledged link encrypting
An authentication system in which communication between two locations is provided by a continuous full duplex bidirectional communications highway, which highway is a secure link between the two...
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4885777 |
Electronic transaction system
An electronic transaction in which in order to improve a reliability of message certification by digital signature and enable the use of the digital signature in a formal transaction in place of...
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4862501 |
Communications network using IC cards
A communications network has a plurality of customer terminals and a single center terminal which are coupled through communication lines. A large scale integrated circuit is operatively coupled to...
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4816655 |
Method and apparatus for checking the authenticity of individual-linked documents and the identity of the holders thereof
There is described a method and an apparatus which comprises a reader for reading document characteristics, circuitry permitting the formation of a message confirming the holder identity, a...
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4796297 |
Device for calculating a charge for a charged information signal with errors avoided in a report of the charge
The amount of money which should be charged upon reception of a pay television signal or a like information signal, is calculated by a charging device comprising a calculator (25) for calculating...
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4771460 |
Data processing terminal device which stores a modified decrypted data in a programmable read only memory in order to detect alteration thereof
A data processing terminal device is on-line connected to a host computer and records on journal paper journal data obtained as a result of communication with the host computer. Data is encrypted,...
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4757543 |
Encrypting and decrypting device which stores an algorithm in a memory
A data processing terminal device is on-line connected to a host computer and records on journal paper journal data obtained as a result of communication with the host computer. Data is encrypted,...
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4755940 |
Transaction security system
An electronic funds transfer system (EFT) is described in which retail terminals located in stores are connected through a public switched telecommunication system to card issuing agencies data...
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4748557 |
Data processing terminal device for storing encrypted journal data and decrypting the data
A data processing terminal device is on-line connected to a host computer and records on journal paper journal data obtained as a result of communication with the host computer. Data is encrypted,...
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4745267 |
Fraudulent card intercept system
Credit card blanks are manufactured with a plurality of random, secure codes (24) such as randomly applied infrared readable bits. A card encoding apparatus (B) includes a secure code reader (32)...
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4578530 |
End-to-end encryption system and method of operation
An efficient end-to-end encryption system including key management procedures for providing secure, financial data communication between a system user at one of a plurality of transaction terminals...
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4393269 |
Method and apparatus incorporating a one-way sequence for transaction and identity verification
A method and apparatus for verifying both the content of a transaction and the identity of the parties thereto. The system includes a plurality of terminals connected together over a common...
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4326098 |
High security system for electronic signature verification
The system provides both electronic signature and message verification with a minimum of excess coding information on an instantaneous basis and is easily restartable in a store and forward...
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4315101 |
Method and apparatus for securing data transmissions
A method and apparatus are provided for improving the security of data transmissions between stations and for controlling secured transactions from remote locations in a data-transfer system. The...
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4302810 |
Method and apparatus for secure message transmission for use in electronic funds transfer systems
An electronic funds transfer system wherein it is required that a bank be reasonably guaranteed that the two parties to a retail transaction (i.e., a person and a retailer) agree on the transaction...
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4264782 |
Method and apparatus for transaction and identity verification
A method and apparatus whereby the senders and receivers of messages sent over a transmission system including a Host CPU may guarantee the integrity of the data content of the message and also the...
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3990558 |
Method and apparatus for preparing and assessing payment documents
A method and apparatus is described for preparing and assessing machine readable payment documents such as bank or postal checks to avoid fraud. The checks are prepared by enciphering the serial...
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