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7103577 |
Systems and methods for staging transactions, payments and collections
The present invention relates to systems and methods for staging transactions and facilitating payments by consumers to a lender or merchant to consummate a financial transaction and/or to maintain...
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7103579 |
Internet based check cashing and clearing method, apparatus and article of manufacture
A method apparatus and article of manufacturing for using a computer to electronically clear and cash a check submitted to an on-line merchant from an on-line consumer by electronic means is...
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7096205 |
Systems and methods for enrolling consumers in goods and services
Systems and methods for enrolling consumers in goods and services offered by a consumer provider are disclosed herein. Various of the methods include providing an enrollment system and displaying...
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7092916 |
Electronic identifier payment system and methods
A payment service method and system involve a payment service provider, a customer/payor and a consumer provider/payee. The customer/payor enrolls in the service and is provided a unique identifier...
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7083084 |
System and method for managing stored-value card data
A computerized system and method for managing stored-value card data over a communications network between a plurality of terminals and a central processor is provided. Each of the terminals is...
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7080047 |
Website-specific electronic signature containing personalized logo
The present invention involves the creation of a website-specific electronic signature containing a personalized logo via a mechanism for on-line assembly of image parts to obtain personalized...
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7054843 |
Method and apparatus in a telecommunications system
The present invention relates to methods for providing access independent global roaming between heterogeneous networks. The invention solves this problem and provides policy enforcement and...
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7043489 |
Litigation-related document repository
A litigation-related document repository for management and exchange of documents independent of courts or other tribunals. Users can upload litigation-related documents for on-line case folders in...
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7039605 |
Settlement intermediation processing apparatus, storage medium in which a program for settlement intermediation processing is stored, computer program for settlement intermediation, online shop apparatus, and on-line shopping method and system
Using a preset, temporary ID, a user accesses an on-line shop where he is not registered. When the user buys a commodity, the on-line shop sends order data to a money gate. In response to a request...
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7031947 |
Method and apparatus for continuing play with cart-based navigation/information system display
A method is disclosed for administering use of a golf course information system implemented in golf carts or other roving units with a monitor adapted to provide display of any or all of course and...
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7024395 |
Method and system for secure credit card transactions
A customer making a credit card transaction inserts their smart card into a card reader attached to the merchant's system. The card reader activates the customer's card and passes certain merchant...
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7013296 |
Using electronic security value units to control access to a resource
A network utilizes electronic security value units to prevent unauthorized access to resources in the network. The network includes at least a resource manager and an electronic bank server (e.g.,...
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7011246 |
Portable card reader and card settlement system
A portable card reader device performs storing credit card inquiry information and freight information of a plurality of consumers that exist in a certain delivery area at a hard disk, reading...
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7006979 |
Methods and systems for creating models for marketing campaigns
Methods and systems for increasing efficiency of a marketing campaign are disclosed. The method uses a system including a database containing customer demographic data and includes the steps of...
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6996547 |
Method for purchasing items over a non-secure communication channel
A method for purchasing items over a non-secure communication channel uses a secure communication device. The secure communication device includes a host processor, a secure memory that includes a...
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6990472 |
Telecommunications initiated data fulfillment system
A system for providing a wide range of telecommunications initiated data fulfillment services in which a multi-function code, such as “*#” (star, pound), input into an originating tel...
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6970854 |
System for remote signature writing
A portable device may be configured to transmit a digital signature of a user to an Internet terminal for the user to complete a transaction requiring a signature. The portable device may be a...
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6971007 |
Assured printing of documents of value
The transmission and reproduction of an original document transferred via a data network can be assured when the printing mechanism generates a unique serial number for the document being printed....
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6954793 |
Pre-paid data card authentication in a public wireless LAN access system
A user (121, 122) can gain access to a Local Area Network (LAN) (20) on a fee basis without the risk of having to transmit an un-encrypted PIN at upon initial access. The user initially sends a...
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6954740 |
Action verification system using central verification authority
Architecture for central e-commerce authorization and verification using multiple Keys/Pins storage and central action verification means. Action Verification is provided between Action Initiating...
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6954714 |
System and associated method for measuring communication data volume and type thereof
It is an object of the invention to measure a communication data volume for each service type in measuring a communication data volume in a charging process and the like. The invention comprises a...
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6948063 |
Securing electronic transactions over public networks
An electronic message for transmission over a network, such as the Internet, is created by encrypting a first component with a first crypto-key, which is associated with a first network entity,...
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6938019 |
Method and apparatus for making secure electronic payments
In accordance with the present invention, consumers and merchants use computing devices connected to a network, such as the Internet, through wired and wireless means, wherein the consumer connects...
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6931381 |
Methods and apparatus for authenticating the download of information onto a smart card
Systems and methods for producing a digitally-computed acknowledgment of a delegated download event are disclosed. An information owner, such as the issuer of a smart card, delegates an information...
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6931382 |
Payment instrument authorization technique
A method is provided for protecting a payment instrument in non-face-to-face transactions. The payment instrument is issued by an issuing entity and associated with an authorized instrument holder....
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6865559 |
Method and system in electronic commerce for inspection-service-based release of escrowed payments
A method, apparatus, system, or computer program product facilitates trustworthy electronic commerce by providing an inspection-service-based release of an escrowed payment for a transaction...
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6862496 |
Laundry system
Purpose: To provide a laundry system with improved customer services by utilizing portable information terminals having a radiocommunication function such as mobile phones and PHS. Constitution:...
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6859795 |
Method for carrying out transactions and device for realizing the same
A method for effecting payments is suggested which allows protecting the financial interests of each participant of a payment during payments via open telecommunication nets from other...
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6836764 |
Tiered interest rate revolving credit system and method
A method and a system for operating a revolving credit program utilizing a table of tiered interest rates in which one of the interest rates is applied as a finance charge to a remaining...
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6826547 |
Printer service denial
In a system in which a user obtains documents, a method of controlling what is supplied to the user, the method including providing one or more user accounts for the user and providing the or each...
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6820064 |
E-commerce consumables
A consumable article includes a consumable item and a memory device. The memory device is organized to represent currency. Use of the consumable item causes the memory device to be reorganized. The...
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6728878 |
Deferred billing, broadcast, electronic document distribution system and method
An electronic document delivery system and method in which a broadcast center periodically sends a “catalog” of available documents to a receiving computer, thereby allowing a user to browse thr...
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6636969 |
Digital signatures having revokable anonymity and improved traceability
A method of authenticating electronic data is disclosed. In the preferred embodiment, when a Receiver makes a request to a Signer (e.g., a bank customer asks the bank to issue E-Coin), the Receiver...
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6598031 |
Apparatus and method for routing encrypted transaction card identifying data through a public telephone network
A personal computer transmits encrypted information identifying a transaction card, together with a serial number of an encryption unit in which the information way encrypted, over a public network...
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6594644 |
Electronic gift certificate system
An electronic gift certificate system is disclosed which distributes electronic gift certificates in the form of e-mail documents that include hyperlinks for automating the redemption process. When...
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6594647 |
Real time bank-centric universal payment system
An infrastructure for a real time bank-centric universal payment system (2) in which a central processing system (CPU) defines an electronic commerce trust system (1) formed from a plurality of...
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6584568 |
Network provider loop security system and method
The present invention involves a desktop administration system and method which allows a network administrator to remotely create, protect, and manage desktops and control file systems across a...
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6496824 |
Session management over a stateless protocol
A method for session management over a stateless protocol the steps of comparing a first plurality of identifiers contained in a first request with a second plurality of identifiers contained in a...
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6453306 |
Internet commerce method and apparatus
A system that permits commercial transactions over a network of computers is described. In one example, the network of computers supports communications between business relation data structures....
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6434536 |
Methods and systems for commerce
Methods and systems are offered to create, eliminate and/or modify trade channels. These can utilize a variety of communication media, including computer networks and the network of interconnected...
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6404337 |
System and method for providing access to an unattended storage
In one embodiment of the present invention, a system for access to an unattended storage device is described. The system includes a first transmitter for placing an order for an item with a...
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6363363 |
System, method and article of manufacture for managing transactions in a high availability system
An architecture is disclosed allowing a server to communicate bidirectionally with a gateway over a first communication link, over which service requests are initiated by the server. In response to...
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6343284 |
Method and system for billing on the internet
The present invention discloses an Internet billing method which can reject invalid orders with reliability, and which can be used without a credit card. In the present invention, a terminal makes...
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6336095 |
Method for electronic merchandise dispute resolution
A system for open electronic commerce having a customer trusted agent securely communicating with a first money module, and a merchant trusted agent securely communicating with a second money...
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6298441 |
Secure document access system
A method for downloading a document via a communications medium operatively associated with a communications interface, the method including receiving the document from the communications medium,...
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6256393 |
Authorization and access control of software object residing in set-top terminals
A method for providing authentication, authorization and access control of software object residing in digital set-top terminals creates a fingerprint ("signature") for each software object,...
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6236972 |
Method and apparatus for facilitating transactions on a commercial network system
A method and device for using a computer to facilitate a transaction of secondary market shares of an investment company such as a mutual fund between a buyer and a seller, having the steps of: a...
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6196461 |
Value data charging method and system for implementing the same
A value charging apparatus for writing value data to an electronic storage device includes an apparatus main body having a processor, a cash inserting portion for accepting cash, and an interface...
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6185307 |
Cryptography security for remote dispenser transactions
The invention relates to providing secure transactions with a tag and POS device associated with a host network authorization system. In doing so, the tag is adapted to bi-directionally communicate...
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6185545 |
Electronic payment system utilizing intermediary account
Payments in cash are submitted to a merchant at a point of sale. The payment transaction is effected electronically to credit the end user's intermediary account. Subsequent electronic...
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