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US20130282590 ELECTRONIC PAYMENTS USING VISUAL CODE  
A payer can present an electronic payment to a payee using a visual code. Such a visual code may be created by generating a semi-payment that records and secures the electronic payment to be made...
US20120265689 Methods for Customizing Secured Transactions that are Verified by a Money Source  
Methods for providing secure transactions in which a customization parameter and an encrypted transaction validation code are received from a user to positively identify a transaction for a user...
US20140279561 ALPHANUMERIC KEYPAD FOR FUEL DISPENSER SYSTEM ARCHITECTURE  
A vending machine can include a secure payment platform comprising one or more secure components for communicating sensitive information, an alphanumeric keypad configured outside of the secure...
US20140052641 Electronic Invoice Issuing System For Electronic Commerce Website  
An electronic invoice issuing system for an electronic commerce website is provided. The system comprises: an online trading platform; a security electronic invoice apparatus, preset with a code...
US20120246080 METHOD AND SYSTEM FOR REAL TIME ONLINE DEBIT TRANSACTIONS  
An online payment method is disclosed which permits users to make realtime debit card payments over the Internet. The payor and payee pre-register with the system by sending their PAN, encrypted...
US20140372319 METHODS AND APPARATUS FOR BROKERING A TRANSACTION  
Methods of brokering a transaction between a first party and a second party with a trusted transaction server (TTS) and apparatus therefor. In an aspect, the method includes receiving at the TTS a...
US20150127552 Systems and Methods for RFID Security  
An RFID system includes an RFID tag, an RFID reader, and a server. The RFID tag communicates to the server via encrypted information. The information may be encrypted with synchronized encryption...
US20130275308 SYSTEM FOR VERIFYING ELECTRONIC TRANSACTIONS  
The invention is an electronic payment system designed to capture payments from customers in an ecommerce environment, including on-line via a browser, a mobile browser or a mobile application,...
US20110213711 METHOD, SYSTEM AND APPARATUS FOR PROVIDING TRANSACTION VERIFICATION  
A system and method provides electronic transaction verification using multiple different units. A first unit initiates an electronic transaction in response to user authentication affirmation by,...
US20150206141 MULTI-LAYER TRANSACTION TRACKING  
Embodiments for tracking multi-layer secured transactions include systems for providing a first transaction channel to a user and sending pre-authorization code to the user via the first...
US20150206149 MULTI-LAYER TRANSACTION TRACKING AND ENCRYPTION  
Embodiments for tracking multi-layer secured transactions include systems for providing a dedicated secure transaction channel to a user and sending pre-authorization code to the user via the...
US20140297539 DONGLE DEVICE WITH RECHARGEABLE POWER SUPPLY FOR A SECURE ELECTRONIC TRANSACTION  
The various embodiments herein provide a dongle device with rechargeable power supply for a secure electronic transaction. The dongle device comprises a slot for swiping a magnetic stripe card, a...
US20130066787 SYSTEM AND TREATMENT PROCESS OF A FINANCIAL TRANSACTION  
The invention relates to a system and treatment process of a bank reimbursement transaction of a user of the system having made a first bank expense transaction for a company (30). The invention...
US20120317035 PROCESSING TRANSACTIONS WITH AN EXTENDED APPLICATION ID AND DYNAMIC CRYPTOGRAMS  
Methods, systems, and machine-readable media are disclosed for handling information related to a transaction conducted with a presentation instrument at a POS device. Extended application IDs and...
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...
US20140074723 COMMUNICATING PAYMENTS  
For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. A clearing house generates a payment authorization comprising an authorization code and a...
US20130297515 Wireless Payment with a Portable Device  
A portable device receives an account information request signal from a merchant machine. The portable device transmits a response message to the merchant machine. The response message comprises...
US20130204795 Wireless Payment with a Portable Device  
A portable device transmits a payment card number to a merchant machine. The portable device generates an encrypted first message comprising a request to get information about a financial...
US20140067691 ESTABLISHING TRUST FOR CONDUCTING ELECTRONIC TRANSACTIONS AMONG SERVICE PROVIDERS AND USERS  
Establishing trust to conduct direct, secure electronic transactions between a user and a service provider includes establishing trust between a wallet service center and an electronic traction...
US20140304171 METHOD AND SYSTEM TO FACILITATE SOCIAL ECOMMERCE  
Method and system are provided to facilitate social ecommerce. A computer-implemented social ecommerce service may be deployed at one or more server computer systems that may be referred to,...
US20140067690 ENSURING SECURE ELECTRONIC TRANSACTIONS WITH A CLUSTER OF SERVICE FACILITIES  
Ensuring secure electronic transactions between clusters of service facilities and at least one electronic transaction facility provided at a user device involves enrolling and registering the...
US20110191252 Secured Point-Of-Sale Transaction System  
The present invention relates to a secured transaction system. In one embodiment, a point-of-sale (POS) system includes an input module configured to receive a transaction description from a...
US20140310183 EMBEDDED ACCEPTANCE SYSTEM  
Methods and systems can provide for unified processing of merchant transactions over various payment channels over which the transactions originate, such as in-person retail transactions and...
US20130124422 SYSTEMS AND METHODS FOR AUTHORIZING TRANSACTIONS VIA A DIGITAL DEVICE  
In various embodiments, transactions initiated by or on behalf of users between client systems and transaction systems are sent to authorization systems for approval. An authorization system...
US20130060707 INTER-NETWORK FINANCIAL SERVICE  
Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider....
US20120089519 SYSTEM AND METHOD FOR SINGLE USE TRANSACTION SIGNATURES  
A system and method for providing transaction-level security, such as authentication, authorization, or non-repudiation of business-related and other transactions, using shared keys and single use...
US20140108262 Privacy Preserving E-Payment Architecture, Systems, and Methods  
A method for providing privacy in online transactions. The method can include receiving, at a service provider system, a purchase request from a client, the purchase request including banking...
US20140101057 SYSTEM FOR MANAGEMENT OF ALTERNATIVELY PRICED TRANSACTIONS  
A system and method thereof, comprising means for: communicating through at least one computer network interface with each of (i) a plurality of providers of accountable resources, and (ii) a...
US20140101056 PORTABLE NEAR-FIELD COMMUNICATION DEVICE  
An embodiment of the present invention may be deployed in a mobile payment device configured to communicate with a payment terminal via an RF near-field communication channel. The payment device...
US20140254896 UNMANNED DRONE, ROBOT SYSTEM FOR DELIVERING MAIL, GOODS, HUMANOID SECURITY, CRISIS NEGOTIATION, MOBILE PAYMENTS, SMART HUMANOID MAILBOX AND WEARABLE PERSONAL EXOSKELETON HEAVY LOAD FLYING MACHINE  
Provided is a system and method for delivering mail and goods using a mobile robot drone system. The method may comprise self-moving the mobile robot drone system to a mail or goods receiving...
US20130073467 METHOD AND SYSTEM FOR CONDUCTING FINANCIAL TRANSACTIONS USING MOBILE DEVICES  
An approach for conducting financial transactions using mobile devices is described. Authentication transaction information for a financial transaction event is received from a mobile device. A...
US20100332399 SYSTEM AND METHOD FOR PARTNER KEY MANAGEMENT  
A system and method for implementing an interoperable credential management protocol for processing online transactions. The protocol, referred to as the Partner Key Management (PKM) protocol...
US20140316992 METHOD FOR CHARGING AN ONBOARD-UNIT WITH AN ELECTRONIC TICKET  
Methods are disclosed for charging an onboard unit with an electronic ticket and redeeming the ticket at a radio beacon. The onboard unit has a DSRC interface for radio communication with the...
US20150081567 ELECTRONIC TRANSACTION SYSTEM AND METHOD WITH PARTICIPANT AUTHENTICATION VIA SEPARATE AUTHORITY FROM REAL-TIME PAYMENT VALIDATION  
A system and method of exchanging assets splits authentication of the parties in the transaction from real-time validation of the assets used in the transaction. Electronic representations of...
US20140229387 RFID TAG AND SYSTEM AND METHOD FOR SECURING RFID TAG  
An RFID tag to be authenticated in an authentication phase includes a tag memory. The tag memory stores an encryption key and an information table. The information table has a specific storing...
US20150213530 Online Purchase Processing System and Method  
A system and method to use quick response (QR) codes encoded with merchant website identification codes and session GUID to register a user or code scanner with a merchant server, login the user...
US20130179352 SECURE WIRELESS TRANSACTIONS WHEN A WIRELESS NETWORK IS UNAVAILABLE  
Methods, systems, and devices are disclosed for conducting offline transactions using mobile devices at a point of sale device while the point of sale device is disconnected from a network. The...
US20120290483 METHODS, SYSTEMS AND NODES FOR AUTHORIZING A SECURIZED EXCHANGE BETWEEN A USER AND A PROVIDER SITE  
Methods, systems and nodes for authorizing a securized exchange between a user and a provider site are described herein. User credentials are stored in a personal security module and in an...
US20140012763 MONEY TRANSFER FRAUD PREVENTION METHODS AND SYSTEMS  
Embodiments of the invention provide a fraud deterrent for retail money transfer or stored value product. In some embodiments, a two dimensional grid of number, letters, characters, and/or symbols...
US20110276495 ONE-TIME USE PASSWORD SYSTEMS AND METHODS  
According to the invention, a method of using a one-time password for a transaction between a user and a merchant is disclosed. The method may include generating the one-time password. The method...
US20130124292 SYSTEM AND METHOD FOR GENERATING A STRONG MULTI FACTOR PERSONALIZED SERVER KEY FROM A SIMPLE USER PASSWORD  
The present invention relates to a method of generating a multi-factor encryption key using a simple password in order to access control over information stored at a second entity from a first...
US20140040148 SYSTEMS AND METHODS FOR ARBITRAGED ENHANCED PAYMENT PROCESSING  
An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment...
US20150186866 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, including a smart card, a portable card reader device and a mobile phone, and a payment...
US20150052061 METHODS AND SYSTEMS FOR FACILITATING E-COMMERCE PAYMENTS  
Methods for facilitating financial transactions include facilitating or otherwise increasing the ease and speed of checkout processes. In particular, one or more implementations comprise an...
US20130138571 Systems and Protocols for Anonymous Mobile Payments with Personal Secure Devices  
Disclosed is a multi-purpose secure and anonymous payment system based on a variety of cryptographic confidentiality, authentication, and privacy methods. Users pay anonymously over the Internet...
US20140379584 ANTI-FRAUD FINANCIAL TRANSACTION METHOD  
An anti-fraud financial method that enables a strong initial registration process for registering a financial payment instrument such as a credit card, debit card, money transfer, or checking...
US20140089202 CRM Security Core  
A security core supports a networked banking app for a client application device communicating with a server, such as e.g. a smartphone. It provides a secure environment for the banking app to...
US20140067688 GAMING SYSTEM WITH SECURE ELECTRONIC PAYMENT COUPON REDEMPTION  
A cryptographic key is associated with an identifier (ID) of an electronic gaming machine (EGM). A computing device receives a coupon redemption request including an electronic payment coupon...
US20140351146 AUTHENTICATION FOR A COMMERCIAL TRANSACTION USING A MOBILE MODULE  
Current embodiments provide for authorization and payment of an online commercial transaction between a purchaser and a merchant including verification of an identity of the purchaser and...
US20150248674 END-TO-END DEVICE AUTHENTICATION  
End-to-end device authentication is provided. A dispenser receives an authorization token and a dispense amount from a host. The authorization token and the dispense amount are validated and when...