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RE45532 Mobile host using a virtual single account client and server system for network access and management  
A Virtual Single Account (VSA) system and method that provides a mobile user with automatic authentication and connection to a remote network via local access networks with a single password,...
9043237 Systems and methods for making a payment using a wireless device  
Embodiments of the invention provide methods and systems for performing a payment transaction. A method for performing a payment transaction may include receiving purchase information from a...
9043246 Method for performing transactional communication using a universal transaction account identifier assigned to a customer  
A method for sending a transactional message assigns a universal transactional account (UTA) identifier to a customer, associates the assigned UTA identifier with a customer account corresponding...
9037514 Authentication for service server in wireless internet and settlement using the same  
The present invention is directed to a method of payment using a wireless Internet comprising the step of storing individual identification information provided from a user in an authentication...
9031903 Method and system for providing network based transaction metrics  
An approach is provided for metrics data collection for business transactions. An online activity (e.g., Application Programming Interface (API) call) associated with a business flow is...
9031611 Secure element with terminal and mobile device interaction capabilities  
A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is...
9031877 Credit card fraud prevention system and method  
A mobile computing device is adapted to transmit to a scoring server URLs of websites browsed using the device. The scoring server can compare these URLs against a merchant URL obtained within a...
9020836 Method and system for mobile banking using a mobile application  
A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is...
9020859 Fraud prevention for transactions  
Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium, and include a method for fraud prevention. A method includes receiving registration...
9015078 Audit trails for electronic financial transactions  
An exemplary method includes transmitting, via a network interface, at least a currency amount in an attempt to confirm a financial transaction; responsive to the transmitting, receiving a...
9010633 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...
9015063 Secure device based NFC payment transactions  
A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is...
9009067 System, method and apparatus for managing made-to-order food tickets for a restaurant service  
A customer service system operated by a restaurant service provides a restaurant service server. From a database, the restaurant service server retrieves a ticket that is generated by a restaurant...
9009261 Optical character recognition for video automation  
A video analysis system may utilize display screen snapshots captured from a device. The system may receive time information that indicates a time duration, position-related information that...
9009462 Differential client-side encryption of information originating from a client  
A method may include allocating a number of public keys, where each respective public key is allocated to a respective entity of a number of entities; storing a number of private keys, where each...
9002274 Method and system for improving client server transmission over fading channel with wireless location and authentication technology via electromagnetic radiation  
Wireless personal area network (Zigbee, Bluetooth, UWB) and wireless identification technologies (Near Field Communication (NFC), Radio Frequency Identification (RFID)) are implemented in...
9002751 Apparatus and method for authorization of online financial transaction  
A method and an apparatus for authorizing online financial transactions are provided. The apparatus for authorizing online financial transactions includes: randomly selecting, using an apparatus...
8996867 Method and device for end-user verification of an electronic transaction  
The present invention provides methods and apparatuses for verifying that a transaction is legitimate. The methods and apparatuses use protected memory space, such as kernel space of an operating...
8985442 One-touch payment using haptic control via a messaging and calling multimedia system on mobile device and wearable device, currency token interface, point of sale device, and electronic payment card  
Provided are computer implemented methods and systems for messaging, calling, and one-touch payments via mobile and wearable devices. An exemplary system comprises a processor and a database in...
8983871 System and method for providing service to end terminal that uses authentication information of another mobile communication terminal, service server, mobile communication terminal, end terminal, and storage medium  
The present invention relates to a system, a method, a service server, a mobile communication terminal, an end-point terminal, and a storage medium, for providing a service to an end-point...
8983874 Method and system for micropayment transactions  
A micropayment system and method is presented for a payor U to establish payment to payee M for a transaction T, which typically has a very low value TV. The micropayment scheme minimizes the...
8978108 Method, device, and system for service presentation  
A method, device and system for service presentation, which includes: receiving a presentation request message; acquiring presentation information from the presentation request message; storing...
8978117 Authentication frequency and challenge type based on environmental and physiological properties  
An apparatus and method are disclosed for determining authentication frequency (i.e., the length of time between authenticating and re-authenticating a user) and challenge type (e.g.,...
8977570 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...
8977568 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...
8972298 Merchant category codes in a proxy card transaction  
Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request...
8966274 File tamper detection  
This disclosure relates generally to methods and systems for determining when a file has changed. According to one aspect of the present disclosure, a method of determining if contents of a file...
8959125 File system having inverted hierarchical structure  
A computer system that improves upon the traditional file system hierarchy is disclosed. The computer system includes a processor and a persistent data storage device that is accessible by the...
8954743 System and method for watermarking content for tracking media consumption  
In a system and method of watermarking content for tracking media consumption, the method may include creating, by a computer processor, at least one copy of a mezzanine asset for distribution to...
8943578 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...
8943318 Secure messaging by key generation information transfer  
A system is configured to receive a first authentication request from a first device, authenticate the first device, establish a secure connection with the first device based on authenticating the...
8924537 Business processes tracking  
Systems, methods, and machine readable and executable instructions are provided for business process tracking. Business process tracking can include collecting data from network traffic. Instances...
8924309 Method of providing assured transactions by watermarked file display verification  
Electronic transactions employing prior art approaches of digital certificates and authentification are subject to attacks resulting in fraudulent transactions and abuse of identity information....
8922333 Contactless electronic access control system  
An embodiment of an electronic access control system includes an electronic access apparatus, an electronic lock, and an access control administration program. The electronic access apparatus...
8918334 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...
8917826 Detecting man-in-the-middle attacks in electronic transactions using prompts  
Aspects of the invention provide a solution for detecting man-in-the-middle attacks in electronic transactions using prompts. One embodiment includes a method for authenticating an electronic...
8914310 Multi-functional control unit for an ionic foot bath system  
One particular implementation of the present invention may involve a control unit of an ionic foot bath or other health product. The control unit may be connected to a network or the Internet such...
8904495 Secure transaction systems and methods  
A user transaction request is received at a client device. A web browser plug-in communicates the user transaction request to a server that determines whether the user transaction request is a...
8903940 System and method for intelligently distributing content to a mobile device based on a detected location of the mobile device and context data defining characteristics of the location at a particular date and time  
A system and method are described for intelligently distributing content to an end user based on both a particular location of the user and a date/time at which the user is at, or scheduled to be...
8898089 Dynamic verification value system and method  
A method for forming a dynamic verification value. The method includes altering a first data string to form a second data string, and forming a first dynamic verification value using at least a...
8892470 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,...
8886558 Method and system for implementing mobile transaction solution based on early media dynamic content generation  
A mobile transaction system comprising: a user's mobile phone, a mobile network of any provider, a transaction device equipped with a microphone, a transaction processing center with dynamic early...
8880435 Detection and tracking of unauthorized computer access attempts  
False honeytoken data is generated, stored, and disseminated to a criminal organization such as an online banking fraud ring. After dissemination of the data, access attempts using the false...
8874923 Policy-based signature authentication system and method  
In various example embodiments, a system and method for providing policy-based authentication is provided. In example embodiments, a request to access and sign a document is received from a device...
8868467 Method for performing transactional communication using a universal transaction account identifier assigned to a customer  
Methods, systems, computer data signals, recordable media and methods of doing business for wireless or wired network communication between network resources each having a unique telephone number...
8851366 Money transfer service with authentication  
A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the...
8856024 Determining companion and joint cards in transit  
Embodiments of systems, methods, and machine-readable media are disclosed for detecting potential misuse of a primary account number (PAN) associated with a first handheld media in a transit...
8855605 Associating a particular account configuration during the out of box experience for a mobile device  
A method of providing particular account configurations to a user of a mobile device based on a predetermined account configuration offering between a mobile device manufacturer and a third-party...
8843994 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...
8843417 Track data encryption  
A method for using a secondary PAN is disclosed. The method includes providing a secondary PAN associated with a primary PAN, where the secondary PAN has at least one end portion that is the same...