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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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6178409 |
System, method and article of manufacture for multiple-entry point virtual point of sale architecture
A server communicates bidirectionally with a gateway over a first communication link, over which service requests flow to the server for one or more merchants and/or consumers. Service requests are...
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6161183 |
Data verifying method apparatus for creating data to be verified and data verifying apparatus
A token 12 creates utilization history information and sends the information to an information processing unit 11 and simultaneously creates an verification value and stores the value in a...
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6076078 |
Anonymous certified delivery
A number of fault-tolerant methods for purchasing digital goods with a digital token over a network in which the token's value resides either with a customer or a merchant are disclosed. One...
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6073237 |
Tamper resistant method and apparatus
A method for securing data in a tamper resistant fashion on a computer connected to a network. The presence of a user on a network is established using one protocol with routine operations...
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6049786 |
Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures
An electronic bill presentment and payment system includes multiple biller computers, a bill presentment computer, and multiple customer computers. Each biller computer stores complete bills for...
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6041316 |
Method and system for ensuring royalty payments for data delivered over a network
A method and system for delivering data over a communication network which ensures proper payment of royalties while preserving free access to data for purposes such as browsing or research. An...
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6029150 |
Payment and transactions in electronic commerce system
A method of payment in an electronic payment system wherein a plurality of customers have accounts with an agent. A customer obtains an authenticated quote from a specific merchant, the quote...
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6026163 |
Distributed split-key cryptosystem and applications
A distributed split-key cryptosystem and application in a public-key setting wherein each of a plurality of trustees independently selects his own secret-public key pair. The trustees combine their...
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6002771 |
Method and system for regulating discounts on merchandise distributed through networked computer systems
The present invention provides a method and system for regulating discounts on merchandise distributed through networked computer systems. The method and system involve the use of discount coupons...
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5991412 |
Method for protectedly debiting an electronic payment means
The invention relates to a method for protected transactions involving a so-called smart card and a terminal, such as a cash register. In order to prevent the smart card from simultaneously...
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5991411 |
Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like
A system for rejecting second and subsequent copies of an informationally-equivalent card or badge asserted into a client/server system by processing only those cards having transaction histories...
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5991413 |
Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number
The present invention relates to a process for accepting a request for use of a virtual prepaid card involving the following stages: a user of a virtual prepaid card is connected to a server...
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5987132 |
System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture
An architecture that provides a server that communicates bidirectionally with a gateway over a first communication link, over which service requests flow to the server for one or more merchants...
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5956699 |
System for secured credit card transactions on the internet
A method for providing secure credit card transactions over the Internet generates a personal charge number from a user account number by inserting a user key into the user account number in...
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5952638 |
Space efficient method of electronic payments
A method of space efficient electronic payments. A customer initiates an electronic transaction by transmitting a request for payment information to a seller. In response, the customer receives...
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5940504 |
Licensing management system and method in which datagrams including an address of a licensee and indicative of use of a licensed product are sent from the licensee's site
A license management system and method for recording the use of a licensed product, and for controlling its use in accordance with the terms of the license. A licensed product invokes a license...
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5930767 |
Transaction methods systems and devices
A transaction system includes a computer (20) which performs a transaction method comprising steps of receiving a first data element indicating an item in a transaction, receiving a second data...
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5926548 |
Method and apparatus for implementing hierarchical electronic cash
A user U generates a signature verification key NU, a signature key SSU and a cipher key K, enciphers (X,NU) by a public key into EI (X,K,NU) and sends the enciphered information to a bank together...
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5907617 |
Try before you buy software distribution and marketing system
A computer-based system is provided for demonstrating software programs to a potential purchaser and for gathering marketing information related to the demonstration of the programs. The system...
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5901228 |
Commercial online backup service that provides transparent extended storage to remote customers over telecommunications links
A user can use his personal computer to call up an on-line service system over a telecommunications link such as a telephone line. The On-line system provides all sorts of useful services to the...
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5889863 |
System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture
An architecture that provides a server that communicates bidirectionally with a client over a first communication link, over which service requests flow to the server for one or more merchants...
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