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US20140279555 |
DYNAMICALLY ALLOCATED SECURITY CODE SYSTEM FOR SMART DEBT AND CREDIT CARDS
This invention provides a dynamically generated security code for smart, debit and credit cards as a way to thwart fraudulent use of these cards in financial transactions. The card internally... |
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US20140108261 |
SYSTEMS AND METHODS FOR PAYMENT MANAGEMENT FOR SUPPORTING MOBILE PAYMENTS
Systems and methods for managing mobile payments is provided. An account issuer provides an application that is loaded onto a mobile device, which enables a consumer to pay for transactions. The... |
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US20140025583 |
ELECTRONIC TRANSACTION VERIFICATION SYSTEM WITH BIOMETRIC AUTHENTICATION
An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the... |
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US20120221475 |
MOBILE TRANSACTION DEVICE SECURITY SYSTEM
Embodiments of the invention include apparatuses, methods, and computer-program products that provide for a unique financial transaction security system. In one embodiment, the financial... |
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US20110191250 |
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... |
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US20110191249 |
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... |
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US20110191248 |
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... |
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US20150112871 |
MULTI-NETWORK TOKEN BIN ROUTING WITH DEFINED VERIFICATION PARAMETERS
Techniques described herein relate to using tokenization with BIN table routing by configuring a computer system, such as an acquirer computer, to utilize a token BIN translation table to... |
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US20140052640 |
ENSURING SECURE ELECTRONIC TRANSACTIONS BETWEEN A WALLET SERVICE CENTER AND A CLUSTER OF ELECTRONIC WALLET TRANSACTION FACILITIES
Ensuring secure electronic transactions between a wallet service center and a cluster of electronic wallet transaction facilities provided at a user device involves registering the cluster of... |
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US20130191289 |
METHOD AND SYSTEM FOR UTILIZING AUTHORIZATION FACTOR POOLS
One embodiment of the present disclosure provides a system and associated processes for sharing cardholder data (CHD) between a merchant that utilizes tokenization and a second merchant that may... |
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US20120191613 |
SYSTEMS AND METHODS FOR VIRTUAL MOBILE TRANSACTION
Disclosed is a computer based method including receiving a request, by a virtual mobile transaction computer, from a user device or from an application running on the user device. The user and the... |
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US20120101950 |
ELECTRONIC CURRENCY AND AUTHENTICATION SYSTEM AND METHOD
An electronic currency and authentication system and method. An electronic money validator is attached to electronic money. The electronic money validator authenticates the electronic money... |
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US20110208657 |
Mobile monetary transactions and banking for rural populations
Authenticating users for mobile transactions conducted over mobile phones. In general, the present invention makes it possible to securely authenticate a rural user (using the unique user ID from... |
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US20130262316 |
Securely Selling and Purchasing of Goods through Social Network Sites Using a Secure Mobile Wallet System as a Mobile Commerce
A secure and convenient product purchasing system and method are disclosed to allow for online sale and purchase of goods by means of a social network site using a mobile wallet system as an... |
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US20120215700 |
PAYMENT SYSTEMS AND METHODS USING MOBILE COMPUTING DEVICES
Systems and methods for the processing of payments to retail establishments using mobile computing devices. A user of a mobile computer device takes a digital image of a specific bar code at a... |
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US20120078799 |
SECURE PAYMENT SERVICE AND SYSTEM FOR INTERACTIVE VOICE RESPONSE (IVR) SYSTEMS
A secure payment method includes receiving, at a computer of a payment service, a request from a requester for a one time use transaction identification token for a transaction. The one time use... |
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US20110258121 |
METHOD AND APPARATUS FOR PROVIDING AUTOMATED PAYMENT
An approach is provided for conducting transactions via an audio token base payment system. An audio payment manager receives a request, at a device, for payment to a merchant, the request... |
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US20150019441 |
MOBILE-TO-MOBILE TRANSACTIONS
A mobile-to-mobile transaction method allows two mobile smartphones to engage in a private transaction between themselves. The two share the same transaction server using prearranged individual... |
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US20150066777 |
VALUE ADD SERVICE FOR MOBILE POINT OF SALE
The present invention provides a method and system for validating the authenticity of products in which a known payment network infrastructure is used to convey messages for applications other... |
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US20150254646 |
RESTORING OR REISSUING OF A TOKEN BASED ON USER AUTHENTICATION
Embodiments described herein relate to an invention for restoring a modified token or reissuing an unfettered token for use in a financial transaction. The systems, methods, and computer program... |
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US20140164251 |
USER GENERATED AUTONOMOUS DIGITAL TOKEN SYSTEM
A digital token system and methods to provide user generated digital tokens includes receiving from a plurality of users authorization to create one or more unique tokens without approval from a... |
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US20130226813 |
Cyberspace Identification Trust Authority (CITA) System and Method
When two parties of a cyberspace transaction register their identity attributes under a CITA system each party is assigned a unique, encrypted and digitally signed identity token. When the... |
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US20120041881 |
SECURING EXTERNAL SYSTEMS WITH ACCOUNT TOKEN SUBSTITUTION
Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant... |
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US20110137803 |
SECURE ELECTRONIC RECEIPT SYSTEMS AND METHODS
The present disclosure relates to secure electronic receipt systems and methods. The present invention removes the need for paper-based receipts while preserving security through use of a digital... |
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US20130046697 |
Using Mobile Device to Prevent Theft of User Credentials
Systems and methods are provided to prevent unauthorized credit and debit transactions. A system creates a transactional, or one-time-use PIN in response to a request from a mobile device, such as... |
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US20120116976 |
VERIFICATION OF PORTABLE CONSUMER DEVICE FOR 3-D SECURE SERVICES
Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a... |
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US20130262315 |
System for Secure Purchases Made by Scanning Barcode Using a Registered Mobile Phone Application Linked to a Consumer-Merchant Closed Loop Financial Proxy Account System
A secure product purchasing system and method are disclosed to allow for online purchase of goods or services by means of a proprietary graphical or barcode-represented printed or on-line digital... |
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US20080201264 |
PAYMENT CARD FINANCIAL TRANSACTION AUTHENTICATOR
A payment card financial transaction authenticates for providing overall financial network security computes a number of results from a cryptographic key that match values that were selectively... |
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US20140136419 |
LIMITED USE TOKENS GRANTING PERMISSION FOR BIOMETRIC IDENTITY VERIFICATION
Systems and methods are described herein for granting permission for biometric identity verification by a third-party using a limited-use token. A merchant point of sale (“POS”) system may receive... |
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US20140074720 |
VIRTUAL ACCOUNT AND TOKEN-BASED DIGITAL CASH PROTOCOLS
The virtual account and token-based 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... |
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US20110145152 |
SYSTEMS, APPARATUS, AND METHODS FOR IDENTITY VERIFICATION AND FUNDS TRANSFER VIA A PAYMENT PROXY SYSTEM
Systems, apparatus, and methods for verifying a user's identity and conducting a transfer of funds via a payment proxy system are herein provided. A message including a request for verification of... |
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US20150186876 |
MOBILE DEVICE SECURITY USING WEARABLE SECURITY TOKENS
The claimed subject matter provides systems and/or methods that effectuates and establishes mobile device security. The system can include devices that detect point of sale mechanisms or secure... |
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US20110307388 |
METHODS AND SYSTEMS FOR PAYMENT PROCESSING BASED ON A MOBILE PHONE NUMBER
Described herein are methods and systems for processing a consumer payment based on a mobile phone number of a mobile device of a consumer. In one embodiment, a method includes initiating a... |
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US20130282588 |
Consumer, Merchant and Mobile Device Specific, Real-Time Dynamic Tokenization Activation within a Secure Mobile-Wallet Financial Transaction System
A secure system and method are disclosed to effectuate financial transactions over a secure internet backbone establishing and using a secure closed loop financial transactional system... |
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US20150154589 |
ELECTRONIC SIGNATURE TOKEN AND AUTHORIZATION CHECKING METHOD AND SYSTEM FOR THE SAME
An authorization checking method for an electronic signature token includes: sending by a first electronic signature token an authorization request to a second electronic signature token;... |
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US20140164253 |
METHOD AND SYSTEM FOR PROCESSING INTERNET PURCHASE TRANSACTIONS
A method for minimizing risk of a consumer performing a fraudulent Internet purchase transactions using a transaction card is disclosed herein, the method comprising receiving an enrollment... |
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US20150199689 |
PAYMENT ACCOUNT IDENTIFIER SYSTEM
A method for utilizing a non-transactable account identifier with a payment token is disclosed. The non-transactable account identifier can have the same format as a primary account number (PAN)... |
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US20130232084 |
Mobile Financial Transaction System and Method
The present invention relates to a mobile financial transaction system (1) and method (100) which is operated on mobile device (3) and enables user information to be carried on SIM card (2) by... |
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US20150112870 |
CONTEXTUAL TRANSACTION TOKEN METHODS AND SYSTEMS
Embodiments of the present invention are directed to methods, systems, apparatuses, and computer-readable mediums for generating and providing a transaction token that may provide contextual... |
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US20130054470 |
System for Payment via Electronic Wallet
A method includes receiving a request to process, against an electronic wallet, a portion of a transaction, an electronic wallet optionally comprising a sub-wallet, the transaction processed... |
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US20120030121 |
SECURE ACTIVATION BEFORE CONTACTLESS BANKING SMART CARD TRANSACTION
The invention relates to a portable token equipped with non-volatile memory, the token comprising authentication means to authenticate a holder of the token, authorization means to define the... |
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US20130173475 |
SYSTEM FOR SECURE PAYMENT OVER A WIRELESS COMMUNICATION NETWORK
A method of conducting secure electronic credit payments to a payment acquirer using a credit payment unit, comprising of a smart card, a portable card reader device and a mobile phone, and a... |
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US20080086424 |
Guest Limited Authorization For Electronic Financial Transaction Cards
Generally speaking, systems, methods and media for authorizing a guest to use an electronic financial transaction card, such as a credit card or debit card, are disclosed. Embodiments may include... |
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US20140310181 |
ANONYMOUS ONLINE PAYMENT SYSTEMS AND METHODS
In various embodiments, a server grants access to a plurality of anonymous one-time-usable, time-sensitive encrypted tokens that identify consumer purchase orders. A plurality of certified... |
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US20140297537 |
AUTOMATED APPLICATION PROGRAMMING INTERFACE (API) SYSTEM AND METHOD
A method for leveraging email to complete an online transaction from a third party vendor, the method comprising: storing customer information, the customer information including a customer name,... |
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US20120271771 |
METHODS AND APPARATUS FOR CONDUCTING ELECTRONIC TRANSACTIONS
A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token,... |
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US20080183627 |
Filtered healthcare payment card linked to tax-advantaged accounts
A system, method and computer program product for linking healthcare purchases to tax advantaged accounts by means of a card containing a card member's data. The system assists in substantiating... |
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US20140330726 |
SMART CARD WITH VERIFICATION MEANS
The present invention is directed to a smartcard that enables a one-time pin code offline security authentication with a card reader. This is achieved by generating a one-time pin code when the... |
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US20130311380 |
NETWORK TRANSACTIONS
A system and method which enable online network participants to enter into transactions with each other are provided. Accounts are maintained for first and second network participants, and an... |
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US20110029436 |
Methods And Systems For Delivering Sponsored Out-Of-Band Passwords
Methods and systems for delivering advertising content to selected users in combination with out-of-band passwords or access code information delivered over a selected communication medium. |