WO2008089090A2 - Generation systems and methods for transaction identifiers having biometric keys associated therewith - Google Patents
Generation systems and methods for transaction identifiers having biometric keys associated therewith Download PDFInfo
- Publication number
- WO2008089090A2 WO2008089090A2 PCT/US2008/050902 US2008050902W WO2008089090A2 WO 2008089090 A2 WO2008089090 A2 WO 2008089090A2 US 2008050902 W US2008050902 W US 2008050902W WO 2008089090 A2 WO2008089090 A2 WO 2008089090A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- transaction
- transaction settlement
- identifier
- credit card
- card number
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/348—Single-use cards, i.e. without possibility of recharging
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
Definitions
- Embodiments of the present invention relate generally to transaction settlement identifier generation systems and methods. More specifically, embodiments of the present invention relate to systems and methods for generating transaction settlement identifiers using biometric features.
- a sender visits an "agent” (i.e., agent of a money transfer system operator, such as Western Union of Englewood, Colorado) location to specify payee details (name, destination country and test question, if applicable) and pay applicable fees and principal amount to be transferred.
- agent i.e., agent of a money transfer system operator, such as Western Union of Englewood, Colorado
- the agent receipts the transaction details into a money transmission system and receives a Money Transfer Control Number ("MTCN") that uniquely references the transaction.
- the agent provides the MTCN to the sender.
- the sender advises the recipient (Payee) through independent means (e.g. phone call or SMS) of the transfer's availability for collection and the MTCN.
- the payee visits an agent location, and supplies the MTCN, appropriate identification and correct response to the test question (if applicable).
- the agent pays out the principal amount on successful completion of verification checks.
- This model is vulnerable to a number of attacks.
- a paying agent may collude with a fraudster and pay out funds without complying with local verification procedures.
- An unrelated agent in the paying country may also retrieve the transaction details from the money transfer software using limited search criteria and enable an accomplice to proceed with collection at a separate location in the expected payout country.
- a number of fraudulently inclined individuals may present themselves simultaneously at different agent locations in the destination country of a transfer and all receive payout before the money transfer system is able to detect the problem.
- the system may include an arrangement configured to receive a biometric sample from a customer; an arrangement configured to use the biometric sample to select the transaction settlement identifier from a pool of predetermined transaction settlements; and a mapping arrangement configured to map the selected financial transaction settlement identifier to an identifier of the customer.
- the biometric sample may be a voiceprint, fingerprint, DNA sample, and/or a retinal scan.
- the transaction settlement identifier may be a one time use credit card number.
- Another embodiment of the invention provides a system for associating a biometric sample with a transaction settlement identifier.
- the system includes a storage arrangement adapted to store transaction settlement identifiers and keys; an input adapted to receive a biometric sample from a user; and a processor.
- the processor may be programmed to execute instructions to receive the biometric sample from a user through the input; instructions to use the biometric sample to select a transaction settlement identifier from a pool of predetermined transaction settlement identifiers; and instructions to thereafter use the transaction settlement identifier to settle a transaction.
- the processor may further have instructions to use the biometric sample to generate a first key; and instructions to store the first key and the transaction settlement identifier as a record.
- Processor instructions may further generate the first key by a cryptographic hashing of the biometric sample.
- the transaction settlement identifier may be a credit card number, a charge card number, a one time use credit card number, a money transfer control number, a transfer authentication number, a transaction identifier, a debit card number, and/or a stored value card number.
- the biometric sample may be a voiceprint, a fingerprint, a retinal scan, and/or a DNA sample.
- the processor may further include instructions to retrieve a second key associated with the transaction settlement identifier from the storage arrangement; and instructions to generate the first key by mathematically combining the first key with a cryptographic hash of the transaction settlement identifier.
- the processor may include instructions to apply an exclusive disjunction operator on the second key and the cryptographic hash of the transaction settlement identifier.
- the processor may also include instructions to receive a request from a user for a transaction settlement identifier, wherein the transaction settlement identifier comprises a one-time-use credit card number; instructions to retrieve a one-time- use credit card number from a pool of one-time-use credit card numbers; and instructions to issue the one-time-use credit card number to the customer.
- the processor may further include instructions to generate a one-time credit-card number.
- Another embodiment of the invention may provide for a method for associating a cryptographic hash of a physical sample with a financial identifier.
- the method may include receiving a first biometric sample from a user; using the biometric sample to select a transaction settlement identifier from a pool of predetermined transaction settlement identifiers; and using the transaction settlement identifier to settle a transaction.
- the method may also include generating a first key from the biometric sample; and assigning the first key to the transaction settlement identifier.
- Generating a first key may include retrieving a second key associated with the financial identifier from a database; and mathematically combining the previous key with the hash to create the first.
- a first key may be generated by applying an exclusive disjunction operation on the previous key and the hash.
- the method may also include receiving a request from a user for a financial identifier, wherein the financial identifier comprises a one-time-use credit card number; retrieving a one-time-use credit card number from a pool of one-time-use credit card numbers; and issuing the onetime-use credit card number to the customer.
- a one time-time credit card number may also be generated.
- the transaction settlement identifier may be an account number, a credit card number, a charge card number, a one-time-use credit card number, a money transfer control number, a transfer authentication number, a transaction identifier, a debit card number, and/or a stored value card number.
- the biometric sample may be a voiceprint, a fingerprint, a retinal scan, and/or a DNA sample.
- FIG. 1 A depicts a typical purchase transaction in which a consumer uses a one-time- use credit card to complete a transaction with an online merchant according to one embodiment of the invention.
- Fig. IB depicts a purchase transaction in which a fraudster acquires account details from the consumer leaving the issuer unable to collect the transaction funds from the consumer according to one embodiment of the invention.
- FIG. 2 illustrates an exemplary system according to one embodiment of the invention.
- FIG. 3 A depicts an exemplary method according to one embodiment of the invention.
- Fig. 3B depicts an exemplary repudiation process according to one embodiment of the invention.
- FIG. 4A depicts an exemplary money transfer system according to one embodiment of the invention.
- Fig. 4B depicts a money transfer method according to one embodiment of the invention.
- Fig. 5 A illustrates an exemplary master pool from which transaction settlement numbers may be selected according to one embodiment of the invention.
- Fig. 5B depicts an exemplary method for populating a master pool according to one embodiment of the invention.
- FIG. 6 A depicts a method of generating an array of one-time-use credit card numbers according to one embodiment of the invention.
- Fig. 6B depicts another method of generating a master pool of one-time-use credit card numbers according to one embodiment of the invention.
- Fig. 7 depicts a method of generating an individual master pool of one-time-use credit card numbers for each credit card number according to one embodiment of the invention.
- Fig. 8 depicts an assignment table according to embodiments of the present invention.
- Fig. 9 depicts a method of assigning transaction settlement numbers from the master pool according to embodiments of the present invention.
- Fig. 10 depicts a method of confirming the identity of user associated with a transaction settlement identifier according to one embodiment of the invention.
- Fig. 11 depicts a method of confirming the identity of payee associated with a MTCN according to one embodiment of the invention.
- Fig. 12 depicts a first exemplary method of a recipient-staged money transfer transaction.
- Fig. 13 depicts a second exemplary method of a recipient-staged money transfer transaction.
- Embodiments of the present invention relate to systems and methods for assigning transaction settlement identifiers.
- transaction settlement identifiers aka "transaction settlement numbers”
- MTCNs money transfer control number
- embodiments of the invention may be used to provide brokerage account purchase and redemption transaction settlement numbers and the like.
- the embodiments may be described as a process which is depicted as a flowchart, a flow diagram, a data flow diagram, a structure diagram, or a block diagram. Although a flowchart may describe the operations as a sequential process, many of the operations can be performed in parallel or concurrently, hi addition, the order of the operations may be re-arranged.
- a process is terminated when its operations are completed, but could have additional steps not included in the figure.
- a process may correspond to a method, a function, a procedure, a subroutine, a subprogram, etc. When a process corresponds to a function, its termination corresponds to a return of the function to the calling function or the main function.
- the term “storage medium” may represent one or more devices for storing data, including read only memory (ROM), random access memory (RAM), magnetic RAM, core memory, magnetic disk storage mediums, optical storage mediums, flash memory devices and/or other machine readable mediums for storing information.
- ROM read only memory
- RAM random access memory
- magnetic RAM magnetic RAM
- core memory magnetic disk storage mediums
- optical storage mediums flash memory devices and/or other machine readable mediums for storing information.
- computer-readable medium includes, but is not limited to portable or fixed storage devices, optical storage devices, wireless channels and various other mediums capable of storing, containing or carrying instruction(s) and/or data.
- embodiments may be implemented by hardware, software, firmware, middleware, microcode, hardware description languages, or any combination thereof.
- the program code or code segments to perform the necessary tasks may be stored in a machine readable medium such as storage medium.
- a processor(s) may perform the necessary tasks.
- a code segment may represent a procedure, a function, a subprogram, a program, a routine, a subroutine, a module, a software package, a class, or any combination of instructions, data structures, or program statements.
- a code segment may be coupled to another code segment or a hardware circuit by passing and/or receiving information, data, arguments, parameters, or memory contents. Information, arguments, parameters, data, etc.
- a biometric feature of an individual is used to generate a transaction identifier for subsequent use by the individual to complete a transaction.
- the transaction may be a purchase transaction, a money transfer transaction, or the like.
- the close association of the transaction identifier to the individual helps to minimize fraud associated with the transaction.
- a consumer provides a biometric sample to an issuer upon requesting the transaction identifier.
- the biometric sample may be a sample of any of a variety of biometric features of the consumer.
- the consumer may provide a fingerprint, a voiceprint, DNA, retinal scan, or the like.
- a biometric feature of an individual to generate a transaction identifier other physical identifiers may be used.
- a PC signature or the keystroke dynamics of the user may be used.
- the user may request a transaction identifier using a computer and use the PC signature or their keystroke dynamics to generate a transaction identifier.
- the PC signature or keystroke dynamics may be initiated locally by the user's computer or remotely through a network. Accordingly, while a biometric sample is used throughout the specification to describe embodiments of the invention, other physical identifiers uniquely identifying a user or user's system may be used to generate a transaction identifier.
- the transaction identifier may be a one-time-use transaction identifier, such as a one-time-use credit card number, or the like.
- the issuer uses the biometric sample, or a function thereof (e.g., a hash), to select the transaction identifier from a large pool of transaction identifiers appropriate for the particular use.
- the consumer thereafter uses the transaction identifier to complete the transaction.
- a second biometric sample is obtained from the consumer to authorize the transaction.
- a second biometric sample is obtained only if the consumer attempts to repudiate the transaction.
- a sender obtains a first transaction number upon depositing funds with a money transfer agent.
- the sender then provides the first transaction number to the desired recipient.
- the recipient then provides a biometric sample and the first transaction number to a money transfer system operator to receive a second transaction number (e.g., a MTCN, Money Transfer Control Number).
- the money transfer agent on the sender side therefore, does not know the MTCN.
- the recipient requests the funds deposited by the sender from a money transfer agent, which may be the same as the money transfer agent on the send side, but is most likely a different money transfer agent.
- the recipient provides the MTCN and a biometric sample.
- the money transfer agent Only if the biometric sample matches the sample provided by the recipient to the money transfer system operator can the money transfer agent provide the funds. Hence, according to some embodiments, the transfer is protected from fraudulent collusion among money transfer agents since agents do not have access to transfer records using only an MTCN. Moreover, by providing a biometric sample at the time of receipt, a recipient is less able to claim not having received the funds. Further, embodiments of the present invention prevent multiple individuals from simultaneously requesting payment from different money transfer agents and receiving multiple payouts, since, presumably only one individual's biometric will result in transaction approval. Further still, collection of a biometric at the time of payment allows aggregation of transaction amounts for anti-money laundering compliance tracking.
- Fig. IA depicts a typical purchase transaction 100 in which a consumer uses a onetime-use credit card to complete a transaction with an online merchant.
- This purchase transaction 100 begins at block 102 at which point a consumer requests and receives a one-time-use credit card number from an issuer, hi doing so, the consumer provides, for example, an account number and password to the issuer.
- the consumer uses the one-time-use credit card number to complete a purchase transaction with an online merchant.
- the merchant obtains authorization for the transaction from the issuer, and the transaction is completed at block 108. Thereafter, the merchant obtains compensation for the transaction from the issuer at block 110, and the issuer obtains compensation from the consumer at block 112.
- Fig. IB depicts a purchase transaction 130 in which a fraudster acquires account details from the consumer leaving the issuer unable to collect the transaction funds from the consumer.
- the transaction 130 begins at block 132, at which point the fraudster obtains the consumer's account password.
- the fraudster uses the password to obtain a one-time-use credit card number from the issuer (134) and complete a transaction with a merchant (136). Because the number appears to have been obtained by the consumer, the transaction is authorized (138) and completed (140).
- the merchant is able to obtain compensation from the issuer (142), but when the issuer attempts to obtain compensation from the consumer (144), the consumer is able to successfully repudiate the transaction (146).
- the issuer is penalized because of the consumer's failure to protect his password.
- the consumer may fraudulently repudiate the transaction, and the issuer has no ability to challenge him.
- FIG. 2 illustrates an exemplary system 200 according to embodiments of the invention.
- the system includes a computer 202 associated with a consumer.
- the computer 202 may be any of a variety of well known computing devices such as, for example, a personal computer, a laptop computer, a personal digital assistant (PDA), a "Smart Phone,” or the like.
- PDA personal digital assistant
- the consumer uses the computer 202 to communicate via a network 204 with a computer 206 associated with an issuer and/or an online merchant 208.
- the network 204 may be, for example, the Internet, but other embodiments are possible.
- the computer 206 associated with the issuer may be a host computer system that includes a mainframe computer, a collection of servers, and/or the like.
- the computer 206 has at least one associated data storage arrangement 210, which may be any of a variety of well know data storage arrangements.
- the computer 206 is programmed to perform the exemplary method embodiments disclosed herein.
- the online merchant 208 may communicate with the issuer computer 204 via the network 204 or through a different network 212, which may be, for example, a credit card transaction processing network.
- the online merchant 208 communicates with the issuer to obtain authorization for credit card transactions.
- the consumer obtains a one-time-use credit card by communicating with the issuer via the Internet.
- This assumes that the consumer is able to provide a biometric sample via the Internet
- the consumer may use a telephone 214 to contact the issuer via the PSTN (public switched telephone network) 216 or Internet using, for example VOIP (Voice Over Internet Protocol), to thereby provide a voiceprint.
- PSTN public switched telephone network
- VOIP Voice Over Internet Protocol
- the method 300 may be implemented in the system 200 of Fig. 2 or other appropriate system.
- the method 300 begins at block 302 at which point a consumer requests a one-time-use credit card number from an issuer.
- the issuer obtains a biometric sample from the consumer at block 304 and uses the biometric sample to assign a one-time-use credit card to the consumer from a large pool of suitable one-time-use credit card numbers at block 306.
- the consumer provides the one-time-use credit card number to a merchant at block 308 in the process of completing a purchase transaction.
- the merchant obtains authorization for the transaction from the issuer at block 310, and the transaction is completed at block 312.
- the merchant thereafter obtains compensation from the issuer for the transaction at block 314, and the issuer obtains compensation from the consumer at block 316.
- the method 300 depicts the typical case in which the consumer does not attempt to repudiate the transaction.
- Fig. 3B depicts what happens if the consumer attempts to repudiate the transaction.
- FIG. 3B depicts an exemplary repudiation process 320.
- the consumer disputes the transaction.
- the issuer obtains a biometric sample from the consumer.
- the issuer also retrieves the biometric sample used to assign the one-time-use credit card to the consumer at block 326.
- the issuer is then able to compare the two samples, and the consumer's ability to repudiate the transaction depends on the comparison. This is indicated by block 328.
- a consumer is less able to repudiate a transaction, due to the tight coupling between the consumer, using the biometric, and the issuance of the one-time-use number.
- the consumer could also claim that the one-time-use number was pilfered after issuance, but other controls may be used to limit such possibility.
- a consumer may protect himself by requesting the number close in time to the planned usage.
- the issuer may protect itself by limiting the validity duration of the number to only a few minutes, a few hours, or a few days.
- the one-time-use nature of the number provides further protection for both the consumer and the issuer by preventing multiple uses of the number. Even further protection may be provided if the merchant takes a biometric sample from the consumer at the time of the purchase transaction. The merchant would then provide the sample to the issuer as part of the authorization process.
- FIGS. 4 A and 4B depict an exemplary system 400 and exemplary method 430 for performing money transfer transactions according to embodiments of the present invention.
- Fig. 4A depicts an exemplary money transfer system 400 according to embodiments of the invention.
- the system 400 includes a sender agent location 402, at which a sender may deposit funds for receipt by a recipient.
- the sender location 402 may be a computer of the sender or may be a physical agent location (e.g., money transfer office, store, etc.) equipped to initiate money transfer transactions.
- the sender agent location communicates, via a network 404, with a money transfer system operator 406 to thereby receive a transaction identifier.
- a sender might receive a MTCN (Money Transfer Control Number) at this point, but that is not the case here.
- the sender receives a transaction identifier that cannot be used to obtain the funds like an MTCN could.
- the transaction identifier is stored at a storage arrangement 407 associated with the money transfer system operator.
- the system 400 also includes a telephone 408 associated with a recipient and the PSTN (public switched telephone network) 410 though which the recipient may communicate with the money transfer system operator 406.
- the recipient having received the transaction identifier from the sender, is able to provide the transaction identifier and a biometric sample to thereby obtain the MTCN.
- PSTN public switched telephone network
- the system also includes a recipient agent location 412 at which the sender may request payment.
- the sender agent location 412 is able to obtain a biometric sample from the recipient, communicate the biometric sample, along with the MTCN, to the money transfer system operator 406, and receive authorization to pay the recipient. The recipient is paid only if the biometric the recipient provides matches the biometric supplied to obtain the MTCN.
- Fig. 4B depicts a money transfer method 430 according to embodiments of the invention.
- the method 430 maybe implemented in the system 400 of Fig. 4A or other appropriate system.
- the method 430 begins at block 432, at which location a sender deposits funds with a money transfer agent and obtains a transaction number.
- the transaction number is provided by the money transfer system operator.
- the sender provides the transaction number to the designated recipient at block 434.
- the recipient contacts the money transfer system operator at block 436 and supplies the transaction identifier and a biometric sample to thereby receive the MTCN.
- the MTCN is generated by the money transfer system operator according to the embodiments of the invention.
- the recipient requests payment from a money transfer agent.
- the agent collects the MTCN and a biometric sample from the recipient at block 440 and supplies them to the operator at block 442 as part of an authorization request.
- the operator uses the MTCN to locate the biometric sample provided to obtain the MTCN and authorizes the agent to pay the recipient only if the samples match, which takes place at block 444.
- the aforementioned embodiments are merely exemplary.
- the any of a variety of methods may be employed to generate one-time-use credit card numbers, MTCNs, and the like from a biometric sample.
- the one-time-use credit card number or MTCN is selected from a large pool of appropriately selected numbers using the biometric sample or a function of a biometric sample, but this is not required.
- the ensuing description provides exemplary methods for generating a master pool, selecting numbers from the pool, and authorizing transactions using numbers selected from the pool.
- Fig. 5A illustrates an exemplary master pool 500 from which transaction settlement numbers may be selected.
- the transaction settlement numbers may be one-time-use credit card numbers, as in this example, or may be MTCNs, or the like in other embodiments.
- the master pool 500 includes a "record number” field, a "one-time CC#" field, and an "assignment table pointer" field.
- the record number field in this exemplary embodiments, is numbered consecutively throughout the records in the pool, and the pool includes a sufficient number of records to satisfy expected demand for the transaction settlement numbers.
- the one-time CC# field includes a unique transaction settlement number in each record, and the field of each record is populated randomly as will be described with reference to Fig.
- the assignment table pointer field of each record maintains a pointer to a record in an assignment table.
- the assignment table will be described below with reference to Fig. 8.
- the assignment table pointer field is populated as will be described below with reference to Fig. 9.
- Fig. 5B depicts an exemplary method 530 for populating a master pool.
- an array of conforming numbers is generated.
- the numbers conform to appropriate specification for which the transaction settlement numbers will be used.
- the transaction settlement numbers are one-time-use credit card numbers, and the numbers which are sixteen digits long and include no letters.
- the numbers are in appropriate ranges (e.g., BIN ranges) to thereby prevent duplication with typical credit cards.
- the transaction settlement numbers may be MTCNs, which would be appropriately formatted according to the desired specifications for MTCNs. Many such examples are possible.
- a first transaction settlement number is randomly selected from the from the array.
- Fig. 6 A depicts another method 600 for generating an array of one-time-use credit card numbers, hi this embodiment, an array of one-time-use credit card numbers is generated. This array is used to assign one-time-use credit card numbers to a user and/or a master pool.
- a one-time-use credit card number is created, which, according to specific embodiments, conforms to appropriate formats and/or standards for which the number will be used (e.g., credit care number, MTCN, etc.).
- the one-time-use credit card number is adjusted to comply with format and content specifications developed by the industry at block 615.
- the one-time-use credit card number is then stored in a one-time-use credit card number array at block 620 whereupon the system returns to block 610.
- Other means for storing the one-time-use credit card number may be used, such as a linked list, a generic file, a text file, etc.
- Fig. 6B depicts a method 650 of generating a master pool of one-time-use credit card numbers according to one embodiment of the invention.
- the record number is initiated and set to 1.
- a one-time-use credit card number is selected from a onetime-use credit card number array at block 630.
- the array may be the array generated at block 620 of Fig. 6A. This number may be selected randomly, incrementally or systematically.
- the system may also select the one-time-use credit card number from any other storage location.
- the system determines if it is currently in use or not. If it is currently in use, then the system returns to block 630 and another one-time-use credit card number is selected.
- the one-time-use credit card number may also be deleted from the one-time-use credit card number array. If the onetime-use credit card number is not in use, the one-time-use credit card number is inserted into the master pool 650 at block 640 at the location associated with the record number. The record number is incremented at block 645 and the system selects another number from the one-time-use credit card number array at block 630 whereupon the system is repeated.
- Fig. 7 depicts a method 700 of generating an individual master pool of one-time-use credit card numbers for each credit card according to one embodiment of the present invention. While this embodiment generates and stores one-time-use credit card numbers in a pool, the method may be used for any type of transaction settlement number. According to this embodiment, each credit card number has an associated pool of one-time-use credit card numbers 730. Each one-time-use credit card number pool 730 may be a fixed size or the size may be adjusted dynamically according to the number of one-time-use credit card numbers used or required by the user.
- a credit card number is selected at block 710 for populating the one-time-use credit card number pool 730 associated with the credit card number.
- a one-time-use credit card number is randomly generated at block 715. Generation of the one-time-use credit card number may also include steps to ensure the one-time-use credit card number complies with industry specifications.
- the method determines if the one-time-use credit card number generated at block 715 is unique, if it is not unique, the method returns to block 715. The system may determine if the one-time-use credit card number is unique by refereeing to a list or array of issued credit card numbers, unissued credit card numbers or the like.
- the method moves to block 725.
- the one-time-use credit card number pool record number is incremented.
- the system determines if the one-time-use credit card number pool is full. If the pool is full, the system returns to block 710, where another credit card number is selected. In alternative embodiments, the size of the one-time-use credit card number pool 730 may be increased and the system moves along to block 740. In other embodiments, more than one-time-use credit card number pool may be associated with the credit card number.
- the randomly produced one-time-use credit card number is entered into the one-time-use credit card number pool and the system returns to block 715.
- Fig. 8 depicts an assignment table 800 according to embodiments of the present invention.
- the assignment table 800 maps starting numbers to transaction settlement numbers in the master pool 500.
- the starting numbers maybe, for example, a consumer's credit card account number, as in this example, a transaction identifier provided to a sender in a money transfer transaction, or the like.
- the assignment table 800 includes a "key” filed, a "record number” field, a "real CC#” field, a "usage conditions” field, a "previous pointer” field, and a “next pointer” field.
- the key field provides an index to the assignment table. According to embodiments of the invention, the key field is based on a biometric sample as will be described in greater detail with respect to Fig. 9.
- the record number field identifies a record in the master pool.
- the "real CC#" field stores the starting number from which the transaction settlement number is generated, hi other exemplary embodiments, the real CC# field may be, for example, the transaction identifier provided to the sender in a money transfer transaction.
- the usage conditions field may include any of a variety of usage conditions associated with the transaction settlement number. For example, the usage conditions field may identify a limited number of merchants at which the transaction settlement number may be used. It may include an expiration time and/or date for the number, and/or the like.
- previous and next pointers identify previous and next assignment table records in a daisy chain of records assigned to a common consumer, customer, recipient, or the like, as will be described in greater detail with respect to Fig. 9.
- the assignment table 800 unlike the master pool 500, is not fully populated initially. Additional records are added as transaction settlement numbers are requested and assigned by the issuer. A "last record assigned" pointer is used in the process of assigning transaction settlement numbers as will be described with respect to Fig. 9.
- Fig. 9 depicts a method 900 of assigning transaction settlement numbers from the master pool according to embodiments of the present invention.
- a request for a transaction settlement number is received from a customer, hi this embodiments, the request is for a one-time-use credit card number and the request is received by an issuer.
- the request may be for a MTCN and be received by a money transfer system operator.
- the request includes a biometric sample (e.g., a voiceprint) from the customer.
- the request also identifies the customer's credit card account. For example, the customer may have used a USER ID and password to access an account electronically, and the account includes a feature that allows the customer to request a one-time-use credit card number.
- the issuer creates a hash of the biometric sample, thereby producing #V.
- the hashing algorithm produces a #V that is repeatable for different biometric samples of the same individual, hi other embodiments, a function other than hashing may be used to produce #V. In other embodiments, the function may not produce a #V that is repeatable for different biometric samples of the same individual.
- #V is used to search the assignment table.
- #V is populated into the key field of a new assignment table record.
- the "last record assigned" pointer is incremented to point to the next, unassigned, record in the master pool.
- the record # of the indicated record of the master pool is populated into the record # field of the new record of the assignment table.
- the customer's real credit card account number is populated into the real CC# field of the new assignment record
- the key of the new assignment record is populated into the assignment pointer field of the current master pool record
- any usage conditions are populated into the usage conditions field of the assignment record.
- the next and previous pointers of the new assignment record are populated appropriately as will be described in greater detail hereinafter.
- the transaction settlement number is returned to the customer. The customer may thereafter use the transaction settlement number in an appropriate transaction.
- blocks 912 and 914 are traversed repeatedly until the last assignment table record in the chain is located. Locating the last record in the chain, however, requires knowing how subsequent keys are assigned.
- each time a customer requests a transaction settlement number (e.g., a one-time-use credit card number), a new key is created.
- the first key is #V.
- the second key is #V XOR the first transaction settlement number assigned to the customer.
- Third key is the second key XOR the second transaction settlement number assigned to the customer, and so on.
- each new key incorporates together the customer's biometric and each previously assigned transaction settlement number.
- next and previous pointer fields may be, at block 914, populated to assist with searches of the assignment table. This will be particularly useful during authorization and dispute resolution processes as will be described in greater detail hereinafter with reference to Figs. 10 and 11.
- Fig. 10 shows a method 1000 for confirming the identity of a user by comparing a received biometric sample and the stored sample to detect for fraudulent transactions according to one embodiment of the invention.
- the method 1000 shown may be used for any type of transaction settlement identifier, such as, for example, one-time-use credit card numbers and/or MTCN's. hi light of the embodiment described in the figure, those skilled in the art will recognize other embodiments well within the scope of the invention.
- a user contacts issuer to dispute a transaction they consider to be fraudulent.
- the user's identity may need confirmation because the user may deny requesting and having been issued a one-time-use credit card number and, therefore, deny making a transaction with the one-time-use credit card number.
- the user may also wish to confirm their identity in order to receive a payout.
- the issuer receives the transaction settlement number from the user as well as a biometric sample at block 1020. After receiving the biometric feature, the issuer creates a hash (#H) of the biometric sample at block 1025 using a hashing algorithm as discussed above. The issuer may then retrieve the record associated with the transaction settlement number at block 1030, for example, from the assignment table.
- #H hash of the biometric sample at block 1025 using a hashing algorithm as discussed above.
- the issuer may then retrieve the record associated with the transaction settlement number at block 1030, for example, from the assignment table.
- the record retrieved at block 1030 may contain the transaction settlement number, and a unique key.
- the record may also contain previous and next pointers.
- the previous and next pointers link the records for a particular user in a chain like fashion.
- the key associated with each transaction settlement number may be a mathematical combination of the previous key and the previous transaction settlement number.
- the first key associated with a user is the hash of the biometric sample.
- the method determines whether this record associated with the transaction settlement number is the first record in the chain. If the previous pointer is NULL, then the record is the first record in the chin, fit is not the first record the method retrieves the previous record at block 1040. If the previous pointer equals NULL then the record is the first record.
- the method traverses the chain of records to find the first record. Once the first record is found the stored hash of the biometric sample (#V) is the key associated with the first record.
- the method determines whether the received biometric sample hash (#H) equals the stored hash of the stored biometric sample (#V). If the two hashed samples match, the identity of the user is confirmed at block 1050. If the two hashed samples do not match, the identity of the user is not confirmed.
- the method 1000 may be applicable in a system generating one-time- use credit card numbers, where a one-time-use credit card number is the transaction settlement number.
- a user receives a one-time-use credit card number upon receipt of a biometric sample. If a user claims that they did not request a one-time-use credit card number, the biometric sample received from the user and stored when the one-time-use credit card number was issued may be used to either confirm or deny the users claim. For example, the user contacts the issuer at block 1010, the credit card number is received 1015, and a biometric sample is received 1020.
- the stored biometric sample used when the onetime-use credit card number was issued is retrieved in blocks 1030, 1035 and 1040 and the chain of records may be traversed.
- the biometric samples are compared. If the hash of the biometric sample received when the one-time-use credit card number was issued matches the hash of the biometric sample received at block 1020, then the user's claim is denied, because the one-time-use credit card number was issued to the user and not a fraudster. Otherwise, if there is no match, the user may have a genuine fraud claim, whereupon the issuers may initiate procedures to address the fraudulent activity.
- Fig. 11 shows a method 1100 for confirming the identity of a user in a money transfer transaction according to one embodiment of the invention.
- a payout may only be received by first confirming the identity of the payee.
- Blocks 1110, 1115, 1120, 1125, 1130, 1135, 1140 and 1145 are similar to blocks 1010, 1015, 1020, 1025, 1030, 1035, 1040 and 1045 of Fig. 10, except in this method 1100 the transaction settlement identifier is a MTCN.
- the transaction settlement identifier is a MTCN.
- the method determines whether the aggregate payout to the user is greater than some predetermined threshold at block 1160.
- Legally money transfers greater than a certain amount, must meet certain compliance requirements to deter money laundering.
- the aggregate payout may be determined by moving through the daisy chain of records and summing the payout of all transaction. If the aggregate payout is greater than the threshold then compliance requirements must be satisfied at block 1165 before payout occurs at block 1151. Those skilled in the art will recognize how to implement various compliance procedures. If the aggregate payout is not greater than the threshold then payout at block 1151 may occur.
- Figs. 12 and 13 depict exemplary embodiments of recipient-staged money transfer transaction.
- a recipient "stages" a transaction by providing a biometric sample and receiving a transaction control number.
- the recipient also may provide other transaction details, but this is not necessary.
- the recipient provides the transaction control number to a sender, who then deposits funds using the transaction control number. The funds can then be released only upon the recipient providing a confirming biometric sample.
- the embodiments 1200 and 1300 provide two different ways in which this can be accomplished.
- a recipient stages a transaction at block 1210. This includes providing a biometric sample.
- the recipient may stage the transaction using a phone and providing a voice sample, visiting a money transfer location and providing another type of biometric sample, or using any of a variety of other ways apparent to those skilled in the art in light of this disclosure.
- the sample or a derivative thereof is stored in a transaction record, and the recipient is provided with a transaction control number at block 1212, which the recipient provides to a sender at block 1214.
- the sender deposits funds and provides any additional details necessary to create the transaction.
- the transaction record established by the recipient is accessed using the transaction control number provided to the sender by the recipient. At this point, the ability to receive the funds is closely tied to the recipient via the biometric sample.
- the blocks 1210, 1212, 1214, and 1216 are substantially similar to the corresponding blocks 1310, 1312, 1314, and 1316 of the embodiment 1300 of Fig. 13.
- the recipient can now receive the funds in any of several ways.
- the recipient requests funds at a money transfer location and provides a biometric sample at block 1218.
- a determination is made at block 1220 whether the sample matches the sample provide at the time the transaction was staged. If is does not, then payout is denied at block 1222. If the sample matches, the payout is made at block 1224.
- a recipient is able to receive the funds electronically or at a money transfer location this is not equipped to take a biometric sample.
- the recipient requests a MTCN by providing a biometric sample.
- the recipient can request the biometric sample by, for example, phoning the money transfer system operator.
- a decision is made whether the sample matches the sample obtained at the time the transaction was staged. If is does not, the MTCN is not provided to the recipient, as indicated by block 1322. If, however, the samples match, the a MTCN is provided to the recipient at block 1324.
- the recipient may use the MTCN to access the funds in any of a variety of ways, including by visiting a money transfer location, accessing an account electronically, and the like, as is apparent to those skilled in the art in light of this disclosure.
Abstract
Description
Claims
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU2008206394A AU2008206394A1 (en) | 2007-01-17 | 2008-01-11 | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
MX2009007653A MX2009007653A (en) | 2007-01-17 | 2008-01-11 | Generation systems and methods for transaction identifiers having biometric keys associated therewith. |
CA002675849A CA2675849A1 (en) | 2007-01-17 | 2008-01-11 | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
EP08756796A EP2127172A2 (en) | 2007-01-17 | 2008-01-11 | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US11/623,956 US8818904B2 (en) | 2007-01-17 | 2007-01-17 | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
US11/623,956 | 2007-01-17 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2008089090A2 true WO2008089090A2 (en) | 2008-07-24 |
WO2008089090A3 WO2008089090A3 (en) | 2008-10-30 |
Family
ID=39617012
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2008/050902 WO2008089090A2 (en) | 2007-01-17 | 2008-01-11 | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
Country Status (7)
Country | Link |
---|---|
US (3) | US8818904B2 (en) |
EP (1) | EP2127172A2 (en) |
CN (1) | CN101636949A (en) |
AU (1) | AU2008206394A1 (en) |
CA (1) | CA2675849A1 (en) |
MX (1) | MX2009007653A (en) |
WO (1) | WO2008089090A2 (en) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US9123044B2 (en) | 2007-01-17 | 2015-09-01 | The Western Union Company | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
Families Citing this family (60)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8131026B2 (en) | 2004-04-16 | 2012-03-06 | Validity Sensors, Inc. | Method and apparatus for fingerprint image reconstruction |
US8229184B2 (en) | 2004-04-16 | 2012-07-24 | Validity Sensors, Inc. | Method and algorithm for accurate finger motion tracking |
US8165355B2 (en) | 2006-09-11 | 2012-04-24 | Validity Sensors, Inc. | Method and apparatus for fingerprint motion tracking using an in-line array for use in navigation applications |
US8447077B2 (en) | 2006-09-11 | 2013-05-21 | Validity Sensors, Inc. | Method and apparatus for fingerprint motion tracking using an in-line array |
US8358815B2 (en) | 2004-04-16 | 2013-01-22 | Validity Sensors, Inc. | Method and apparatus for two-dimensional finger motion tracking and control |
US8175345B2 (en) | 2004-04-16 | 2012-05-08 | Validity Sensors, Inc. | Unitized ergonomic two-dimensional fingerprint motion tracking device and method |
WO2005106774A2 (en) | 2004-04-23 | 2005-11-10 | Validity Sensors, Inc. | Methods and apparatus for acquiring a swiped fingerprint image |
DE602005022900D1 (en) * | 2004-10-04 | 2010-09-23 | Validity Sensors Inc | FINGERPRINTER CONSTRUCTIONS WITH ONE SUBSTRATE |
US8874477B2 (en) | 2005-10-04 | 2014-10-28 | Steven Mark Hoffberg | Multifactorial optimization system and method |
US8107212B2 (en) | 2007-04-30 | 2012-01-31 | Validity Sensors, Inc. | Apparatus and method for protecting fingerprint sensing circuitry from electrostatic discharge |
US8290150B2 (en) * | 2007-05-11 | 2012-10-16 | Validity Sensors, Inc. | Method and system for electronically securing an electronic device using physically unclonable functions |
US20110002461A1 (en) * | 2007-05-11 | 2011-01-06 | Validity Sensors, Inc. | Method and System for Electronically Securing an Electronic Biometric Device Using Physically Unclonable Functions |
US7865439B2 (en) * | 2007-10-24 | 2011-01-04 | The Western Union Company | Systems and methods for verifying identities |
US8204281B2 (en) | 2007-12-14 | 2012-06-19 | Validity Sensors, Inc. | System and method to remove artifacts from fingerprint sensor scans |
US8276816B2 (en) | 2007-12-14 | 2012-10-02 | Validity Sensors, Inc. | Smart card system with ergonomic fingerprint sensor and method of using |
US8116540B2 (en) | 2008-04-04 | 2012-02-14 | Validity Sensors, Inc. | Apparatus and method for reducing noise in fingerprint sensing circuits |
EP2321764A4 (en) | 2008-07-22 | 2012-10-10 | Validity Sensors Inc | System, device and method for securing a device component |
US8391568B2 (en) | 2008-11-10 | 2013-03-05 | Validity Sensors, Inc. | System and method for improved scanning of fingerprint edges |
US8278946B2 (en) | 2009-01-15 | 2012-10-02 | Validity Sensors, Inc. | Apparatus and method for detecting finger activity on a fingerprint sensor |
US8600122B2 (en) | 2009-01-15 | 2013-12-03 | Validity Sensors, Inc. | Apparatus and method for culling substantially redundant data in fingerprint sensing circuits |
US8374407B2 (en) | 2009-01-28 | 2013-02-12 | Validity Sensors, Inc. | Live finger detection |
US9336428B2 (en) | 2009-10-30 | 2016-05-10 | Synaptics Incorporated | Integrated fingerprint sensor and display |
US9274553B2 (en) | 2009-10-30 | 2016-03-01 | Synaptics Incorporated | Fingerprint sensor and integratable electronic display |
US9400911B2 (en) | 2009-10-30 | 2016-07-26 | Synaptics Incorporated | Fingerprint sensor and integratable electronic display |
US8421890B2 (en) | 2010-01-15 | 2013-04-16 | Picofield Technologies, Inc. | Electronic imager using an impedance sensor grid array and method of making |
US8866347B2 (en) | 2010-01-15 | 2014-10-21 | Idex Asa | Biometric image sensing |
US8321339B2 (en) * | 2010-01-15 | 2012-11-27 | Apollo Enterprise Solutions, Inc. | System and method for resolving transactions with variable offer parameter selection capabilities |
US8791792B2 (en) | 2010-01-15 | 2014-07-29 | Idex Asa | Electronic imager using an impedance sensor grid array mounted on or about a switch and method of making |
US9666635B2 (en) | 2010-02-19 | 2017-05-30 | Synaptics Incorporated | Fingerprint sensing circuit |
US8716613B2 (en) | 2010-03-02 | 2014-05-06 | Synaptics Incoporated | Apparatus and method for electrostatic discharge protection |
US9001040B2 (en) | 2010-06-02 | 2015-04-07 | Synaptics Incorporated | Integrated fingerprint sensor and navigation device |
US10002466B2 (en) * | 2010-07-21 | 2018-06-19 | Verizon Patent And Licensing Inc. | Method and system for providing autonomous car errands |
US8331096B2 (en) | 2010-08-20 | 2012-12-11 | Validity Sensors, Inc. | Fingerprint acquisition expansion card apparatus |
US8594393B2 (en) | 2011-01-26 | 2013-11-26 | Validity Sensors | System for and method of image reconstruction with dual line scanner using line counts |
US8538097B2 (en) | 2011-01-26 | 2013-09-17 | Validity Sensors, Inc. | User input utilizing dual line scanner apparatus and method |
GB2489100A (en) | 2011-03-16 | 2012-09-19 | Validity Sensors Inc | Wafer-level packaging for a fingerprint sensor |
US20130080331A1 (en) * | 2011-09-26 | 2013-03-28 | Ebay Inc. | System and Method for Instantaneous Retail Payment |
US10043052B2 (en) | 2011-10-27 | 2018-08-07 | Synaptics Incorporated | Electronic device packages and methods |
US9195877B2 (en) | 2011-12-23 | 2015-11-24 | Synaptics Incorporated | Methods and devices for capacitive image sensing |
US9785299B2 (en) | 2012-01-03 | 2017-10-10 | Synaptics Incorporated | Structures and manufacturing methods for glass covered electronic devices |
US9137438B2 (en) | 2012-03-27 | 2015-09-15 | Synaptics Incorporated | Biometric object sensor and method |
US9268991B2 (en) | 2012-03-27 | 2016-02-23 | Synaptics Incorporated | Method of and system for enrolling and matching biometric data |
US9251329B2 (en) | 2012-03-27 | 2016-02-02 | Synaptics Incorporated | Button depress wakeup and wakeup strategy |
US9600709B2 (en) | 2012-03-28 | 2017-03-21 | Synaptics Incorporated | Methods and systems for enrolling biometric data |
US9152838B2 (en) | 2012-03-29 | 2015-10-06 | Synaptics Incorporated | Fingerprint sensor packagings and methods |
CN109407862B (en) | 2012-04-10 | 2022-03-11 | 傲迪司威生物识别公司 | Biometric sensing |
KR101354388B1 (en) * | 2012-12-12 | 2014-01-23 | 신한카드 주식회사 | Generating method for one time code |
US9665762B2 (en) | 2013-01-11 | 2017-05-30 | Synaptics Incorporated | Tiered wakeup strategy |
US10706132B2 (en) | 2013-03-22 | 2020-07-07 | Nok Nok Labs, Inc. | System and method for adaptive user authentication |
US10270748B2 (en) | 2013-03-22 | 2019-04-23 | Nok Nok Labs, Inc. | Advanced authentication techniques and applications |
US9887983B2 (en) | 2013-10-29 | 2018-02-06 | Nok Nok Labs, Inc. | Apparatus and method for implementing composite authenticators |
CN103237030A (en) * | 2013-04-25 | 2013-08-07 | 深圳市中兴移动通信有限公司 | Biological recognition-based user authentication method and system |
US9450760B2 (en) * | 2014-07-31 | 2016-09-20 | Nok Nok Labs, Inc. | System and method for authenticating a client to a device |
US9875126B2 (en) * | 2014-08-18 | 2018-01-23 | Red Hat Israel, Ltd. | Hash-based load balancing for bonded network interfaces |
US10769635B2 (en) | 2016-08-05 | 2020-09-08 | Nok Nok Labs, Inc. | Authentication techniques including speech and/or lip movement analysis |
US11367070B2 (en) * | 2017-09-19 | 2022-06-21 | The Toronto-Dominion Bank | System and method for provisioning a data transfer application |
US11868995B2 (en) | 2017-11-27 | 2024-01-09 | Nok Nok Labs, Inc. | Extending a secure key storage for transaction confirmation and cryptocurrency |
US11831409B2 (en) | 2018-01-12 | 2023-11-28 | Nok Nok Labs, Inc. | System and method for binding verifiable claims |
US11244316B2 (en) | 2018-06-07 | 2022-02-08 | International Business Machines Corporation | Biometric token for blockchain |
US11792024B2 (en) | 2019-03-29 | 2023-10-17 | Nok Nok Labs, Inc. | System and method for efficient challenge-response authentication |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20060177061A1 (en) * | 2004-10-25 | 2006-08-10 | Orsini Rick L | Secure data parser method and system |
US20060193472A1 (en) * | 2005-01-25 | 2006-08-31 | Yuen Pak K | Secure encryption system, device and method |
Family Cites Families (735)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US1109127A (en) | 1908-12-15 | 1914-09-01 | Charles A Juengst | Signature-gathering machine. |
US2362134A (en) | 1941-08-25 | 1944-11-07 | Henry T Honig | Gathering machine |
US3599151A (en) | 1969-12-29 | 1971-08-10 | Ibm | Character recognition photosensing apparatus having a threshold comparator circuit |
US3717337A (en) * | 1970-04-27 | 1973-02-20 | Mccain Mfg Co | Sheet or signature feeding machines |
US3783755A (en) * | 1972-06-05 | 1974-01-08 | H Lagin | Apparatus for applying indicias to sheets |
US3833395A (en) | 1972-09-11 | 1974-09-03 | Burroughs Corp | Continuous form computer print-out document protection system |
FR2304965A2 (en) * | 1974-03-25 | 1976-10-15 | Innovation Ste Int | ELECTRONIC CONTROL PROCESS AND DEVICE |
US4060228A (en) | 1975-08-29 | 1977-11-29 | Bell & Howell Company | Pull-foot feed |
US4032931A (en) | 1975-12-22 | 1977-06-28 | Haker Floyd H | Money transfer device keyboard terminal |
FR2386080A1 (en) * | 1977-03-31 | 1978-10-27 | Cii Honeywell Bull | ACCOUNTING SYSTEM FOR PREDETERMINED HOMOGENEOUS UNITS |
CH635046A5 (en) * | 1978-11-17 | 1983-03-15 | Grapha Holding Ag | COLLECTOR FOR PRINTED SHEET. |
US4321672A (en) * | 1979-11-26 | 1982-03-23 | Braun Edward L | Financial data processing system |
SE448922B (en) | 1980-10-21 | 1987-03-23 | Ibm Svenska Ab | METHOD FOR PROCESSING VIDEO DATA BY AN OPTICAL SIGN IDENTIFICATION SYSTEM WITH A CHARACTER IDENTIFICATION DEVICE IN AN OPTICAL DOCUMENT READER |
DE3201407A1 (en) | 1981-03-19 | 1982-10-07 | VEB Kombinat Polygraph "Werner Lamberz" Leipzig, DDR 7050 Leipzig | MONITORING DEVICE FOR MONITORING BOOK BLOCK FOR MATCHING MACHINES |
US4385285A (en) | 1981-04-02 | 1983-05-24 | Ncr Corporation | Check dispensing terminal |
US4462585A (en) | 1982-04-06 | 1984-07-31 | Metromail Corporation | Thickness adjustable material detector for gripper mechanism |
US4454414A (en) | 1982-06-16 | 1984-06-12 | Vericard Corporation | Funds transfer system using optically coupled, portable modules |
JPH0642244B2 (en) | 1982-07-09 | 1994-06-01 | オムロン株式会社 | Margin transaction processing device |
JPS5972572A (en) | 1982-10-19 | 1984-04-24 | Omron Tateisi Electronics Co | Terminal device for settlement of credit transaction |
JPS5979375A (en) | 1982-10-29 | 1984-05-08 | Omron Tateisi Electronics Co | Facility for settling transactions |
US4528643A (en) | 1983-01-10 | 1985-07-09 | Fpdc, Inc. | System for reproducing information in material objects at a point of sale location |
JPS59153261A (en) | 1983-02-18 | 1984-09-01 | Omron Tateisi Electronics Co | Transaction processor |
JPH079678B2 (en) | 1983-03-01 | 1995-02-01 | オムロン株式会社 | Electronic cash register |
CA1217212A (en) * | 1983-12-01 | 1987-01-27 | Brian Otter | Paper stacker |
US4650977A (en) * | 1983-12-21 | 1987-03-17 | International Business Machines Corporation | Automatic self service machine system and method |
US5021967A (en) | 1984-04-03 | 1991-06-04 | Republic Money Orders, Inc. | Apparatus for dispensing money orders |
US4723212A (en) * | 1984-07-18 | 1988-02-02 | Catalina Marketing Corp. | Method and apparatus for dispensing discount coupons |
US5173851A (en) * | 1984-07-18 | 1992-12-22 | Catalina Marketing International, Inc. | Method and apparatus for dispensing discount coupons in response to the purchase of one or more products |
US4910672A (en) * | 1984-07-18 | 1990-03-20 | Catalina Marketing Corporation | Method and apparatus for dispensing discount coupons |
US4577848A (en) * | 1984-09-07 | 1986-03-25 | Bell & Howell Company | Method and apparatus for controlling the actuation of gripper arms |
US4634107A (en) * | 1984-09-07 | 1987-01-06 | Bell & Howell Company | Gripper arm and method of operation |
US4697246A (en) | 1984-09-07 | 1987-09-29 | Bell & Howell Company | Method and apparatus for detecting the engagement of a proper number of articles |
US4882675A (en) * | 1984-11-26 | 1989-11-21 | Steven Nichtberger | Paperless system for distributing, redeeming and clearing merchandise coupons |
US4812628A (en) * | 1985-05-02 | 1989-03-14 | Visa International Service Association | Transaction system with off-line risk assessment |
US4700055A (en) | 1985-10-15 | 1987-10-13 | Kashkashian Jr Arsen | Multiple credit card system |
US4766293A (en) | 1986-06-26 | 1988-08-23 | Visa International Service Association | Portable financial transaction card capable of authorizing a transaction in foreign currencies |
DE3777708D1 (en) | 1986-07-03 | 1992-04-30 | Omron Tateisi Electronics Co | SALES POINT TERMINAL. |
US4722554A (en) * | 1986-08-27 | 1988-02-02 | St. Ives Laboratories, Inc. | Alternative-value paper refund form |
US5027316A (en) | 1986-09-11 | 1991-06-25 | International Business Machines Corporation | Versioning of message formats in a 24-hour operating environment |
US5053607A (en) | 1986-10-06 | 1991-10-01 | Carlson Steven R | Point-of-sale device particularly adapted for processing checks |
US4864618A (en) | 1986-11-26 | 1989-09-05 | Wright Technologies, L.P. | Automated transaction system with modular printhead having print authentication feature |
US4900903A (en) * | 1986-11-26 | 1990-02-13 | Wright Technologies, L.P. | Automated transaction system with insertable cards for transferring account data |
JPS63233458A (en) | 1987-03-20 | 1988-09-29 | Sharp Corp | Electronic appliance equipped with currency conversion function |
US4884212A (en) | 1987-03-23 | 1989-11-28 | Vertx Corporation | Apparatus and method for using unique charge cards dispensed from a vending machine |
US4753430A (en) | 1987-05-29 | 1988-06-28 | Am International Incorporated | Method and apparatus for controlling a collator |
US6195644B1 (en) * | 1987-07-08 | 2001-02-27 | Stuart S. Bowie | Computer program and system for credit card companies for recording and processing bonus credits issued to card users |
US4837422A (en) | 1987-09-08 | 1989-06-06 | Juergen Dethloff | Multi-user card system |
US5025372A (en) | 1987-09-17 | 1991-06-18 | Meridian Enterprises, Inc. | System and method for administration of incentive award program through use of credit |
US4764666A (en) | 1987-09-18 | 1988-08-16 | Gtech Corporation | On-line wagering system with programmable game entry cards |
US4795892A (en) * | 1987-12-09 | 1989-01-03 | Cic Systems, Inc. | Pre-paid commodity system |
US4948174A (en) | 1988-04-20 | 1990-08-14 | Remittance Technology Corporation | Financial data processing system |
US4902881A (en) * | 1988-06-10 | 1990-02-20 | Faxplus Corporation | Parallel process communications terminal and network |
US4961142A (en) | 1988-06-29 | 1990-10-02 | Mastercard International, Inc. | Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer |
US5185695A (en) * | 1988-07-14 | 1993-02-09 | Pruchnicki Michael A | Method and system for handling discount coupons by using centrally stored manufacturer coupons in place of paper coupons |
US5082268A (en) * | 1988-08-22 | 1992-01-21 | J.A.D. Enterprises Of New York, Inc. | Credit card dispensing and positioning apparatus |
US4972318A (en) | 1988-09-09 | 1990-11-20 | Iron City Sash & Door Company | Order entry and inventory control method |
US5119293A (en) | 1988-09-16 | 1992-06-02 | Republic Money Orders, Inc. | System and apparatus for dispensing negotiable instruments |
US5200889A (en) * | 1988-10-31 | 1993-04-06 | Teraoka Seiko Co., Ltd. | System for maintaining continuous total of refund amounts due a customer and for allowing customer designation of the amount of refund to be applied to a purchase |
US5202826A (en) * | 1989-01-27 | 1993-04-13 | Mccarthy Patrick D | Centralized consumer cash value accumulation system for multiple merchants |
US5117355A (en) | 1989-01-27 | 1992-05-26 | Mccarthy Patrick D | Centralized consumer cash valve accumulation system for multiple merchants |
US4941090A (en) | 1989-01-27 | 1990-07-10 | Mccarthy Patrick D | Centralized consumer cash value accumulation system for multiple merchants |
JPH02217990A (en) | 1989-02-17 | 1990-08-30 | Shibaura Eng Works Co Ltd | Automatic vending machine |
US5245329A (en) | 1989-02-27 | 1993-09-14 | Security People Inc. | Access control system with mechanical keys which store data |
CA2011396C (en) | 1989-03-03 | 1995-01-03 | Kazue Tanaka | Cipher-key distribution system |
US5305196A (en) * | 1989-05-01 | 1994-04-19 | Credit Verification Corporation | Check transaction processing, database building and marketing method and system utilizing automatic check reading |
US5644723A (en) | 1989-05-01 | 1997-07-01 | Credit Verification Corporation | Method and system for selective incentive point-of-sale marketing in response to customer shopping histories |
US5649114A (en) | 1989-05-01 | 1997-07-15 | Credit Verification Corporation | Method and system for selective incentive point-of-sale marketing in response to customer shopping histories |
US6334108B1 (en) | 1989-05-01 | 2001-12-25 | Catalina Marketing International, Inc. | Method and system for selective incentive point-of-sale marketing in response to customer shopping histories |
US5216229A (en) | 1989-06-05 | 1993-06-01 | Rand Mcnally & Company | Verifiable object having incremental key |
JPH0346089A (en) | 1989-07-13 | 1991-02-27 | Brother Ind Ltd | Prepaid card managing device printable on card |
US5056019A (en) | 1989-08-29 | 1991-10-08 | Citicorp Pos Information Servies, Inc. | Automated purchase reward accounting system and method |
US5870724A (en) * | 1989-12-08 | 1999-02-09 | Online Resources & Communications Corporation | Targeting advertising in a home retail banking delivery service |
US5220501A (en) | 1989-12-08 | 1993-06-15 | Online Resources, Ltd. | Method and system for remote delivery of retail banking services |
US5146067A (en) | 1990-01-12 | 1992-09-08 | Cic Systems, Inc. | Prepayment metering system using encoded purchase cards from multiple locations |
JPH04209085A (en) | 1990-01-24 | 1992-07-30 | Tokyo Koka Cola Botoringu Kk | Dealing liquidating method |
GB9001758D0 (en) | 1990-01-25 | 1990-03-28 | Printed Forms Equip | Inserter apparatus |
US5250906A (en) | 1991-10-17 | 1993-10-05 | Granville-Phillips Company | Ionization gauge and method of using and calibrating same |
US5623547A (en) | 1990-04-12 | 1997-04-22 | Jonhig Limited | Value transfer system |
US5231569A (en) | 1990-06-12 | 1993-07-27 | Sears Payment Systems, Inc. | Account transaction system |
US5088711A (en) * | 1990-08-27 | 1992-02-18 | Newsome John R | Machine for transporting and loading signatures |
US6539363B1 (en) | 1990-08-30 | 2003-03-25 | Ncr Corporation | Write input credit transaction apparatus and method with paperless merchant credit card processing |
US5367452A (en) | 1990-10-05 | 1994-11-22 | Carts Of Colorado, Inc. | Mobile merchandising business management system which provides comprehensive support services for transportable business operations |
CA2094281A1 (en) | 1990-10-16 | 1992-04-17 | Daniel D. Richard | Telecommunications device and related method |
US5175682A (en) | 1990-12-14 | 1992-12-29 | Verifone, Inc. | Check system and method including prioritizing checks for transmission to banks for processing |
CA2059472C (en) | 1991-01-16 | 1997-11-18 | Dennis A. Mikel | On site destination label printing system for postal trays and sacks |
US5171005A (en) | 1991-02-28 | 1992-12-15 | Ta Triumph-Adler Ag | Newspaper handling method and apparatus with misfeed inhibiting control |
EP0585238A1 (en) | 1991-03-12 | 1994-03-09 | SUTCLIFFE, Peter Harold | Apparatus and method for generating a receipt |
NZ242614A (en) | 1991-05-06 | 1995-07-26 | Catalina Marketing Int | Printing discount coupons according to product bar codes at point of sale |
US5832457A (en) | 1991-05-06 | 1998-11-03 | Catalina Marketing International, Inc. | Method and apparatus for selective distribution of discount coupons based on prior customer behavior |
US5317135A (en) | 1991-05-24 | 1994-05-31 | Richard Finocchio | Method and apparatus for validating instant-win lottery tickets |
US5233167A (en) | 1991-06-24 | 1993-08-03 | Positek Incorporated | Multi-function terminal |
US5783808A (en) | 1996-01-11 | 1998-07-21 | J. D. Carreker And Associates, Inc. | Electronic check presentment system having transaction level reconciliation capability |
US6289322B1 (en) | 1998-03-03 | 2001-09-11 | Checkfree Corporation | Electronic bill processing |
US5383113A (en) * | 1991-07-25 | 1995-01-17 | Checkfree Corporation | System and method for electronically providing customer services including payment of bills, financial analysis and loans |
US20030023552A1 (en) | 1991-07-25 | 2003-01-30 | Checkfree Services Corporation | Payment processing utilizing alternate account identifiers |
US5510979A (en) * | 1991-07-30 | 1996-04-23 | Restaurant Technology, Inc. | Data processing system and method for retail stores |
US5159632A (en) * | 1991-09-17 | 1992-10-27 | Next Computer, Inc. | Method and apparatus for public key exchange in a cryptographic system |
US5440108A (en) | 1991-10-11 | 1995-08-08 | Verifone, Inc. | System and method for dispensing and revalung cash cards |
IT1251621B (en) | 1991-10-23 | 1995-05-17 | Lino Bonavitacola | ELECTRONIC SYSTEM FOR AUTOMATIC TRANSFER OF A PERCENTAGE ON PURCHASES MADE IN CONVENTIONAL STORES, ON AN INSURANCE POLICY INTENDED TO THE PURCHASER |
AU3058292A (en) | 1991-10-30 | 1993-06-07 | Computer Based Controls, Inc. | Financial document dispensing apparatus and method |
US5453601A (en) | 1991-11-15 | 1995-09-26 | Citibank, N.A. | Electronic-monetary system |
US6009415A (en) | 1991-12-16 | 1999-12-28 | The Harrison Company, Llc | Data processing technique for scoring bank customer relationships and awarding incentive rewards |
US5428210A (en) | 1992-01-10 | 1995-06-27 | National Bancard Corporation | Data card terminal with embossed character reader and signature capture |
US5334823A (en) * | 1992-01-10 | 1994-08-02 | National Bancard Corporation | Systems and methods for operating data card terminals for transaction chargeback protection |
US5255182A (en) | 1992-01-31 | 1993-10-19 | Visa International Service Association | Payment card point-of-sale service quality monitoring system, apparatus, and method |
US5432506A (en) | 1992-02-25 | 1995-07-11 | Chapman; Thomas R. | Counterfeit document detection system |
US5276735A (en) * | 1992-04-17 | 1994-01-04 | Secure Computing Corporation | Data enclave and trusted path system |
US5865470A (en) * | 1992-05-12 | 1999-02-02 | Thompson; Kenneth | Peel off coupon redemption card with microprocessor chip and tracking system |
US6292786B1 (en) | 1992-05-19 | 2001-09-18 | Incentech, Inc. | Method and system for generating incentives based on substantially real-time product purchase information |
US5550932A (en) | 1992-06-19 | 1996-08-27 | Pierce Companies, Inc. | Method for encoding MICR documents |
US5236960A (en) | 1992-06-22 | 1993-08-17 | Basf Corporation | Water-blown polyurethane integral skin foam |
US5334821A (en) * | 1992-07-16 | 1994-08-02 | Telxon Corporation | Portable point of sale terminal |
EP0581421B1 (en) | 1992-07-20 | 2003-01-15 | Compaq Computer Corporation | Method and system for certificate based alias detection |
US5491325A (en) * | 1992-08-25 | 1996-02-13 | Huang; Dorge O. | Method and system for payment and payment verification |
US5819226A (en) | 1992-09-08 | 1998-10-06 | Hnc Software Inc. | Fraud detection using predictive modeling |
US5283829A (en) * | 1992-10-01 | 1994-02-01 | Bell Communications Research, Inc. | System and method for paying bills electronically |
US5825617A (en) | 1992-10-02 | 1998-10-20 | Teletransactions, Inc. | Workslate computer having modular device docking stations on horizontal and vertical side portions |
US5504677A (en) * | 1992-10-15 | 1996-04-02 | Pollin; Robert E. | Automated payment system |
AU5364794A (en) | 1992-10-22 | 1994-05-09 | American Express Travel Related Services Company, Inc. | Automated billing consolidation system and method |
US5484988A (en) * | 1992-11-13 | 1996-01-16 | Resource Technology Services, Inc. | Checkwriting point of sale system |
US5267314A (en) | 1992-11-17 | 1993-11-30 | Leon Stambler | Secure transaction system and method utilized therein |
US6167386A (en) | 1998-06-05 | 2000-12-26 | Health Hero Network, Inc. | Method for conducting an on-line bidding session with bid pooling |
US5326960A (en) | 1992-11-25 | 1994-07-05 | Tannenbaum David H | Currency transfer system and method |
US5350906A (en) | 1992-11-25 | 1994-09-27 | Brody Bill E | Currency transfer system and method using fixed limit cards |
US5450479A (en) * | 1992-12-30 | 1995-09-12 | At&T Corp. | Method and apparatus for facilitating the making of card calls |
GB2274349B (en) | 1993-01-15 | 1997-01-15 | Htec Ltd | Retailing system |
US6415271B1 (en) | 1993-02-10 | 2002-07-02 | Gm Network Limited | Electronic cash eliminating payment risk |
US5621640A (en) | 1993-02-18 | 1997-04-15 | Every Penny Counts, Inc. | Automatic philanthropic contribution system |
JPH06243158A (en) | 1993-02-19 | 1994-09-02 | Fujitsu Ltd | Foreign remittance business processing system |
US5388815A (en) * | 1993-02-19 | 1995-02-14 | Dynetics Engineering Corporation | Embossed card package production system with modular inserters for multiple forms |
US5371798A (en) | 1993-02-22 | 1994-12-06 | Mcwhortor; William F. | System and method for enhancing detection of counterfeit financial transaction documents |
WO1994021066A1 (en) | 1993-03-05 | 1994-09-15 | Telstra Corporation Limited | A method and apparatus for generating a digital message authentication code |
US5426594A (en) | 1993-04-02 | 1995-06-20 | Motorola, Inc. | Electronic greeting card store and communication system |
US5513117A (en) | 1993-04-30 | 1996-04-30 | Small; Maynard E. | Apparatus and method for electronically dispensing personalized greeting cards and gifts |
JP3024433B2 (en) | 1993-05-28 | 2000-03-21 | 富士通株式会社 | Card payment device |
US5794207A (en) | 1996-09-04 | 1998-08-11 | Walker Asset Management Limited Partnership | Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers |
US5406716A (en) | 1993-07-22 | 1995-04-18 | Rubinstein; Scott | Gift card system |
US5570465A (en) | 1993-07-22 | 1996-10-29 | Tsakanikas; Peter J. | Apparatus, method and system for printing of legal currency and negotiable instruments |
US5940811A (en) | 1993-08-27 | 1999-08-17 | Affinity Technology Group, Inc. | Closed loop financial transaction method and apparatus |
JPH0765134A (en) * | 1993-08-27 | 1995-03-10 | Tamura Electric Works Ltd | Data communication method |
JP3321926B2 (en) * | 1993-09-17 | 2002-09-09 | 株式会社日立製作所 | Self-synchronous semiconductor integrated circuit device |
US5477038A (en) | 1993-10-25 | 1995-12-19 | Visa International | Method and apparatus for distributing currency |
USRE36365E (en) | 1993-10-25 | 1999-11-02 | Visa International Service Association | Method and apparatus for distributing currency |
DE69412119T2 (en) * | 1993-10-26 | 1999-04-15 | Radisson Hotels Internationals | SYSTEM AND METHOD FOR REWARDING PERSONS WHO MAKE TRAVEL RESERVATIONS |
GB2283349A (en) * | 1993-10-29 | 1995-05-03 | Ibm | Transaction processing system |
US5920847A (en) | 1993-11-01 | 1999-07-06 | Visa International Service Association | Electronic bill pay system |
US5465206B1 (en) | 1993-11-01 | 1998-04-21 | Visa Int Service Ass | Electronic bill pay system |
US5578808A (en) | 1993-12-22 | 1996-11-26 | Datamark Services, Inc. | Data card that can be used for transactions involving separate card issuers |
US5530232A (en) | 1993-12-22 | 1996-06-25 | Datamark Services, Inc. | Multi-application data card |
US5550734A (en) | 1993-12-23 | 1996-08-27 | The Pharmacy Fund, Inc. | Computerized healthcare accounts receivable purchasing collections securitization and management system |
US5774879A (en) | 1993-12-27 | 1998-06-30 | First Data Corporation | Automated financial instrument processing system |
US5826243A (en) | 1994-01-03 | 1998-10-20 | Merrill Lynch & Co., Inc. | Integrated system for controlling master account and nested subaccount(s) |
US6108641A (en) | 1994-01-03 | 2000-08-22 | Merrill Lynch, Pierce, Fenner & Smith | Integrated nested account financial system with medical savings subaccount |
US5457747A (en) * | 1994-01-14 | 1995-10-10 | Drexler Technology Corporation | Anti-fraud verification system using a data card |
GB9401757D0 (en) | 1994-01-31 | 1994-03-23 | Neopost Ltd | Franking machine |
US5557516A (en) | 1994-02-04 | 1996-09-17 | Mastercard International | System and method for conducting cashless transactions |
WO1995021428A1 (en) | 1994-02-04 | 1995-08-10 | Card One Development Company | Method and system for allocating and redeeming incentive credits |
US5461217A (en) | 1994-02-08 | 1995-10-24 | At&T Ipm Corp. | Secure money transfer techniques using smart cards |
US5668897A (en) | 1994-03-15 | 1997-09-16 | Stolfo; Salvatore J. | Method and apparatus for imaging, image processing and data compression merge/purge techniques for document image databases |
US5471669A (en) | 1994-03-17 | 1995-11-28 | Alchemist And Company, Inc. | Coupon savings account system |
GB2288476A (en) | 1994-04-05 | 1995-10-18 | Ibm | Authentication of printed documents. |
US5537314A (en) | 1994-04-18 | 1996-07-16 | First Marketrust Intl. | Referral recognition system for an incentive award program |
US5799087A (en) | 1994-04-28 | 1998-08-25 | Citibank, N.A. | Electronic-monetary system |
US5555496A (en) | 1994-05-06 | 1996-09-10 | Mary T. Tackbary | Method and apparatus for communicating with a card distribution center for management, selection, and delivery of social expression cards |
US5500513A (en) * | 1994-05-11 | 1996-03-19 | Visa International | Automated purchasing control system |
US5504808A (en) * | 1994-06-01 | 1996-04-02 | Hamrick, Jr.; James N. | Secured disposable debit card calling system and method |
US5649117A (en) | 1994-06-03 | 1997-07-15 | Midwest Payment Systems | System and method for paying bills and other obligations including selective payor and payee controls |
US5511114A (en) * | 1994-06-06 | 1996-04-23 | Call Processing, Inc. | Telephone pre-paid calling card system and method |
US6502745B1 (en) | 1994-06-06 | 2003-01-07 | Call Processing, Inc. | Pre-paid card system and method |
US5577109A (en) * | 1994-06-06 | 1996-11-19 | Call Processing, Inc. | Pre-paid card system and method |
US5590038A (en) | 1994-06-20 | 1996-12-31 | Pitroda; Satyan G. | Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions |
US5475603A (en) | 1994-06-21 | 1995-12-12 | Pitney Bowes Inc. | Apparatus and method for mail qualification and traying |
US5513102A (en) | 1994-06-28 | 1996-04-30 | Auriemma Consulting Group, Inc. | Data processing methods of implementing an award to an authorized user of a credit card |
EP0690399A3 (en) | 1994-06-30 | 1997-05-02 | Tandem Computers Inc | Remote financial transaction system |
US5586036A (en) | 1994-07-05 | 1996-12-17 | Pitney Bowes Inc. | Postage payment system with security for sensitive mailer data and enhanced carrier data functionality |
US5637845A (en) | 1994-12-12 | 1997-06-10 | Usa Technologies, Inc. | Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine |
NL9401406A (en) | 1994-08-31 | 1996-04-01 | Nederland Ptt | Payment system with improved integrity. |
US5826241A (en) | 1994-09-16 | 1998-10-20 | First Virtual Holdings Incorporated | Computerized system for making payments and authenticating transactions over the internet |
EP0789883A4 (en) * | 1994-09-28 | 2002-07-31 | Gordon T Brown | Automated accounting system |
US5909673A (en) | 1994-09-29 | 1999-06-01 | Gregory; Edward M. | Method and system for creating site specific coupons at a plurality of remote locations which are controlled by a central office |
JP3571383B2 (en) | 1994-10-19 | 2004-09-29 | 株式会社日立製作所 | IC card, IC card read / write device and electronic wallet system |
US5715314A (en) | 1994-10-24 | 1998-02-03 | Open Market, Inc. | Network sales system |
JP3614480B2 (en) | 1994-11-18 | 2005-01-26 | 株式会社日立製作所 | Electronic ticket sales / refund system and sales / refund method |
US5764789A (en) | 1994-11-28 | 1998-06-09 | Smarttouch, Llc | Tokenless biometric ATM access system |
US7152045B2 (en) | 1994-11-28 | 2006-12-19 | Indivos Corporation | Tokenless identification system for authorization of electronic transactions and electronic transmissions |
US5870723A (en) * | 1994-11-28 | 1999-02-09 | Pare, Jr.; David Ferrin | Tokenless biometric transaction authorization method and system |
US6950810B2 (en) | 1994-11-28 | 2005-09-27 | Indivos Corporation | Tokenless biometric electronic financial transactions via a third party identicator |
US5805719A (en) | 1994-11-28 | 1998-09-08 | Smarttouch | Tokenless identification of individuals |
US5613012A (en) * | 1994-11-28 | 1997-03-18 | Smarttouch, Llc. | Tokenless identification system for authorization of electronic transactions and electronic transmissions |
US5679938A (en) | 1994-12-02 | 1997-10-21 | Telecheck International, Inc. | Methods and systems for interactive check authorizations |
FR2728983A1 (en) | 1994-12-30 | 1996-07-05 | Candidature Spontanee | Updating of candidatures for appointment using electronic communication |
US5732400A (en) * | 1995-01-04 | 1998-03-24 | Citibank N.A. | System and method for a risk-based purchase of goods |
US5614703A (en) * | 1995-01-05 | 1997-03-25 | Martin; Jay R. | Hotel check-in system with wireless communication |
US5915023A (en) | 1997-01-06 | 1999-06-22 | Bernstein; Robert | Automatic portable account controller for remotely arranging for transfer of value to a recipient |
US6298335B1 (en) | 1995-01-06 | 2001-10-02 | Robert Bernstein | Method of controlling payment of debts |
US5701727A (en) | 1995-01-13 | 1997-12-30 | Datacard Corporation | Card affixing and form folding system |
US6367013B1 (en) | 1995-01-17 | 2002-04-02 | Eoriginal Inc. | System and method for electronic transmission, storage, and retrieval of authenticated electronic original documents |
US5732136A (en) * | 1995-01-31 | 1998-03-24 | Realsource Communications, Inc. | Merchant specific debit card verification system |
JPH08214281A (en) | 1995-02-06 | 1996-08-20 | Sony Corp | Charging method and system |
GB9502907D0 (en) | 1995-02-15 | 1995-04-05 | Int Computers Ltd | Electronic identification system |
US5650604A (en) | 1995-02-22 | 1997-07-22 | Electronic Data Systems Corporation | System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds |
US5673320A (en) | 1995-02-23 | 1997-09-30 | Eastman Kodak Company | Method and apparatus for image-based validations of printed documents |
US5717868A (en) * | 1995-03-07 | 1998-02-10 | Huntington Bancshares Inc. | Electronic payment interchange concentrator |
US5787403A (en) | 1995-03-08 | 1998-07-28 | Huntington Bancshares, Inc. | Bank-centric service platform, network and system |
US5689100A (en) | 1995-03-21 | 1997-11-18 | Martiz, Inc. | Debit card system and method for implementing incentive award program |
US5553145A (en) | 1995-03-21 | 1996-09-03 | Micali; Silvia | Simultaneous electronic transactions with visible trusted parties |
US5622388A (en) | 1995-03-23 | 1997-04-22 | Alcordo; Isabelo S. | Postcard rank check |
US5903633A (en) | 1995-03-27 | 1999-05-11 | Smarttalk Teleservices, Inc. | Method and apparatus for prepaid phone card activation and billing |
FR2732801B1 (en) | 1995-04-07 | 1997-06-06 | High Co | DEVICE AND METHOD FOR PROCESSING ENCODED INFORMATION FOR BAR CODE AND CHIP CARD |
US5677955A (en) | 1995-04-07 | 1997-10-14 | Financial Services Technology Consortium | Electronic funds transfer instruments |
US5546523A (en) | 1995-04-13 | 1996-08-13 | Gatto; James G. | Electronic fund transfer system |
US6321208B1 (en) * | 1995-04-19 | 2001-11-20 | Brightstreet.Com, Inc. | Method and system for electronic distribution of product redemption coupons |
US5734838A (en) * | 1995-05-04 | 1998-03-31 | American Savings Bank, F.A. | Database computer architecture for managing an incentive award program and checking float of funds at time of purchase |
DE19517818C2 (en) | 1995-05-18 | 1997-12-18 | Angewandte Digital Elektronik | Method for issuing individual chip cards to a plurality of individual chip card users using a neutral chip card dispensing station |
US5708422A (en) | 1995-05-31 | 1998-01-13 | At&T | Transaction authorization and alert system |
WO1996038801A1 (en) | 1995-06-01 | 1996-12-05 | American Express Trs | Methods and apparatus for providing a prepaid, remote entry customer account |
US5678010A (en) | 1995-06-07 | 1997-10-14 | Compuserve Incorporated | Automated routing of messages over a network |
US5745886A (en) | 1995-06-07 | 1998-04-28 | Citibank, N.A. | Trusted agents for open distribution of electronic money |
US6000522A (en) | 1995-06-12 | 1999-12-14 | Alice A Johnson | Multi-compartment and acceptors computerized vending machine |
US5666765A (en) | 1995-06-20 | 1997-09-16 | Mark Voting Systems, Inc. | Suitcase voting booth with access for handicapped persons |
US5790677A (en) | 1995-06-29 | 1998-08-04 | Microsoft Corporation | System and method for secure electronic commerce transactions |
KR19990028355A (en) | 1995-07-06 | 1999-04-15 | 가나이 쓰도무 | Electronic money transfer system |
US5794221A (en) * | 1995-07-07 | 1998-08-11 | Egendorf; Andrew | Internet billing method |
EP0852038A2 (en) | 1995-07-20 | 1998-07-08 | Dallas Semiconductor Corporation | An electronic micro identification circuit that is inherently bonded to a someone or something |
US5799072A (en) | 1995-07-21 | 1998-08-25 | Callmanage | Telecommunications call management system |
US5761648A (en) | 1995-07-25 | 1998-06-02 | Interactive Coupon Network | Interactive marketing network and process using electronic certificates |
US6223168B1 (en) | 1995-07-25 | 2001-04-24 | Bottomline Technologies, Inc. | Automatic remittance delivery system |
US5893080A (en) | 1995-07-25 | 1999-04-06 | Bottomline Technologies, Inc. | Disbursement system and method |
JPH0954808A (en) | 1995-08-18 | 1997-02-25 | Fujitsu Ltd | On-line account settlement system, issue system for electronic check and inspection system |
JPH0958451A (en) | 1995-08-23 | 1997-03-04 | Aisin Seiki Co Ltd | Vehicular fluid-pressure control device |
DE69503374T2 (en) * | 1995-08-28 | 1999-04-15 | Ofra Feldbau | Setup and method for authenticating the sending and content of a document |
JPH0984951A (en) | 1995-09-22 | 1997-03-31 | Nippon T M I:Kk | Gift card for game |
US5859419A (en) * | 1995-09-28 | 1999-01-12 | Sol H. Wynn | Programmable multiple company credit card system |
US5647583A (en) | 1995-10-06 | 1997-07-15 | North American Capital L.L.C. | Apparatus and method for singulating sheets and inserting same into envelopes |
JPH09128529A (en) | 1995-10-30 | 1997-05-16 | Sony Corp | Removing method for noise in digital image based on projection |
US5699528A (en) | 1995-10-31 | 1997-12-16 | Mastercard International, Inc. | System and method for bill delivery and payment over a communications network |
US5757917A (en) | 1995-11-01 | 1998-05-26 | First Virtual Holdings Incorporated | Computerized payment system for purchasing goods and services on the internet |
US5657201A (en) | 1995-11-06 | 1997-08-12 | Teletransactions, Inc. | Portable data collection terminal including arm mounting assembly |
US5762376A (en) | 1995-11-07 | 1998-06-09 | American Express Travel Relate | Methods and apparatus for providing a prepaid, remote entry transaction instrument having multiple language capability |
US5796832A (en) | 1995-11-13 | 1998-08-18 | Transaction Technology, Inc. | Wireless transaction and information system |
US5671279A (en) | 1995-11-13 | 1997-09-23 | Netscape Communications Corporation | Electronic commerce using a secure courier system |
US5855007A (en) | 1995-11-15 | 1998-12-29 | Jovicic; Neboisa | Electronic coupon communication system |
US5673309A (en) | 1995-11-17 | 1997-09-30 | Avery Dennison Corporation | ATM phone card system |
CA2192016C (en) | 1995-12-08 | 2003-07-22 | Masayuki Ohki | Method of handling electronic money in automatic cash handling machine |
US5774870A (en) | 1995-12-14 | 1998-06-30 | Netcentives, Inc. | Fully integrated, on-line interactive frequency and award redemption program |
US5983196A (en) | 1995-12-19 | 1999-11-09 | Phoneworks, Inc. | Interactive computerized methods and apparatus for conducting an incentive awards program |
US6129275A (en) | 1995-12-20 | 2000-10-10 | The Eastern Company | Smart card transaction system and encoder-dispenser |
US6003763A (en) | 1995-12-29 | 1999-12-21 | Visa International Service | Method and apparatus for recording magnetic information on traveler's checks |
US5722221A (en) * | 1996-01-17 | 1998-03-03 | United States Computer Services | Envelope opening apparatus |
US5781654A (en) * | 1996-01-18 | 1998-07-14 | Merrill Lynch & Co., Inc. | Check authentication system utilizing payee information |
JPH09193580A (en) | 1996-01-18 | 1997-07-29 | Nippon T M I:Kk | Gift card for game and its manufacture |
US6419161B1 (en) | 1996-01-22 | 2002-07-16 | Welcome Real-Time | Apparatus and method for processing coded information stored on an integrated circuit card |
JPH09212549A (en) * | 1996-01-31 | 1997-08-15 | Hitachi Ltd | Method and system for electronic commerce |
US5686713A (en) | 1996-02-22 | 1997-11-11 | Rivera; Antonio | Apparatus and method for allowing a money order purchase via an ATM |
US5870718A (en) * | 1996-02-26 | 1999-02-09 | Spector; Donald | Computer-printer terminal for producing composite greeting and gift certificate card |
CA2170834C (en) | 1996-03-01 | 2006-11-21 | Calin A. Sandru | Apparatus and method for enhancing the security of negotiable documents |
US20020023055A1 (en) * | 1996-03-01 | 2002-02-21 | Antognini Walter Gerard | System and method for digital bill presentment and payment |
US6792110B2 (en) | 1996-03-01 | 2004-09-14 | Calin A. Sandru | Apparatus and method for enhancing the security of negotiable instruments |
US5949885A (en) | 1996-03-12 | 1999-09-07 | Leighton; F. Thomson | Method for protecting content using watermarking |
US5923763A (en) | 1996-03-21 | 1999-07-13 | Walker Asset Management Limited Partnership | Method and apparatus for secure document timestamping |
US5832463A (en) | 1996-03-28 | 1998-11-03 | Electronic Data Systems Corporation | Automated system and method for checkless check transaction |
US6044360A (en) | 1996-04-16 | 2000-03-28 | Picciallo; Michael J. | Third party credit card |
WO1997039899A1 (en) | 1996-04-19 | 1997-10-30 | Barry Fiala, Inc. | Package for card and method of using |
US5815657A (en) | 1996-04-26 | 1998-09-29 | Verifone, Inc. | System, method and article of manufacture for network electronic authorization utilizing an authorization instrument |
US5987140A (en) | 1996-04-26 | 1999-11-16 | Verifone, Inc. | System, method and article of manufacture for secure network electronic payment and credit collection |
US5902983A (en) | 1996-04-29 | 1999-05-11 | International Game Technology | Preset amount electronic funds transfer system for gaming machines |
US5897989A (en) | 1996-07-23 | 1999-04-27 | Beecham; James E. | Method, apparatus and system for verification of infectious status of humans |
US6002771A (en) | 1996-05-22 | 1999-12-14 | Sun Microsystems, Inc. | Method and system for regulating discounts on merchandise distributed through networked computer systems |
EP0979459A4 (en) | 1996-05-23 | 2005-04-06 | Citibank Na | Global financial services integration system and process |
US5924080A (en) | 1996-05-28 | 1999-07-13 | Incredicard Llc | Computerized discount redemption system |
US6049782A (en) | 1996-05-31 | 2000-04-11 | Citibank, N.A. | Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution |
US6039245A (en) | 1996-06-10 | 2000-03-21 | Diebold, Incorporated | Financial transaction processing system and method |
US6026379A (en) | 1996-06-17 | 2000-02-15 | Verifone, Inc. | System, method and article of manufacture for managing transactions in a high availability system |
US5983208A (en) | 1996-06-17 | 1999-11-09 | Verifone, Inc. | System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture |
US6072870A (en) | 1996-06-17 | 2000-06-06 | Verifone Inc. | System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture |
US6253027B1 (en) | 1996-06-17 | 2001-06-26 | Hewlett-Packard Company | System, method and article of manufacture for exchanging software and configuration data over a multichannel, extensible, flexible architecture |
US5850446A (en) | 1996-06-17 | 1998-12-15 | Verifone, Inc. | System, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible architecture |
US6373950B1 (en) | 1996-06-17 | 2002-04-16 | Hewlett-Packard Company | System, method and article of manufacture for transmitting messages within messages utilizing an extensible, flexible architecture |
US6178409B1 (en) * | 1996-06-17 | 2001-01-23 | Verifone, Inc. | System, method and article of manufacture for multiple-entry point virtual point of sale architecture |
US5812668A (en) | 1996-06-17 | 1998-09-22 | Verifone, Inc. | System, method and article of manufacture for verifying the operation of a remote transaction clearance system utilizing a multichannel, extensible, flexible architecture |
US5943424A (en) | 1996-06-17 | 1999-08-24 | Hewlett-Packard Company | System, method and article of manufacture for processing a plurality of transactions from a single initiation point on a multichannel, extensible, flexible architecture |
US6119105A (en) | 1996-06-17 | 2000-09-12 | Verifone, Inc. | System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture |
US5889863A (en) * | 1996-06-17 | 1999-03-30 | Verifone, Inc. | System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture |
US6324525B1 (en) | 1996-06-17 | 2001-11-27 | Hewlett-Packard Company | Settlement of aggregated electronic transactions over a network |
US6002767A (en) | 1996-06-17 | 1999-12-14 | Verifone, Inc. | System, method and article of manufacture for a modular gateway server architecture |
US5987132A (en) | 1996-06-17 | 1999-11-16 | Verifone, Inc. | System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture |
JP3540511B2 (en) | 1996-06-18 | 2004-07-07 | 株式会社東芝 | Electronic signature verification device |
FR2750274B1 (en) | 1996-06-21 | 1998-07-24 | Arditti David | PROCEDURE FOR TAKING INTO ACCOUNT A REQUEST FOR THE USE OF A VIRTUAL PREPAID CARD ALLOWING THE REUSE OF ITS SERIAL NUMBER |
US5825881A (en) | 1996-06-28 | 1998-10-20 | Allsoft Distributing Inc. | Public network merchandising system |
US6070147A (en) | 1996-07-02 | 2000-05-30 | Tecmark Services, Inc. | Customer identification and marketing analysis systems |
US5770843A (en) | 1996-07-02 | 1998-06-23 | Ncr Corporation | Access card for multiple accounts |
US5801365A (en) | 1996-07-08 | 1998-09-01 | Katz; Richard B. | Fund raising by discounted collection on special issue checks |
AU3883097A (en) * | 1996-07-09 | 1998-02-02 | Ldc Direct, Ltd. Co. | Point-of-distribution pre-paid card vending system |
US5903880A (en) | 1996-07-19 | 1999-05-11 | Biffar; Peter C. | Self-contained payment system with circulating digital vouchers |
NL1003971C2 (en) | 1996-08-16 | 1997-11-06 | Chiptec International Ltd | Gift voucher. |
US6088683A (en) | 1996-08-21 | 2000-07-11 | Jalili; Reza | Secure purchase transaction method using telephone number |
US6240396B1 (en) | 1996-09-04 | 2001-05-29 | Priceline.Com Incorporated | Conditional purchase offer management system for event tickets |
US5991749A (en) | 1996-09-11 | 1999-11-23 | Morrill, Jr.; Paul H. | Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities |
US5931917A (en) | 1996-09-26 | 1999-08-03 | Verifone, Inc. | System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser |
US6438586B1 (en) | 1996-09-30 | 2002-08-20 | Emc Corporation | File transfer utility which employs an intermediate data storage system |
US5823521A (en) | 1996-10-03 | 1998-10-20 | Bell & Howell Mail Processing Systems | Computer controlled apparatus and method for inserting mail into envelopes |
US6015087A (en) | 1996-10-04 | 2000-01-18 | First Data Corporation | Apparatus and method for leasing documents of value |
US6029150A (en) | 1996-10-04 | 2000-02-22 | Certco, Llc | Payment and transactions in electronic commerce system |
US5953710A (en) | 1996-10-09 | 1999-09-14 | Fleming; Stephen S. | Children's credit or debit card system |
US6021943A (en) | 1996-10-09 | 2000-02-08 | Chastain; Robert H. | Process for executing payment transactions |
US5995976A (en) | 1996-10-11 | 1999-11-30 | Walker Asset Management Limited Partnership | Method and apparatus for distributing supplemental information related to printed articles |
US6070150A (en) | 1996-10-18 | 2000-05-30 | Microsoft Corporation | Electronic bill presentment and payment system |
DE69711155D1 (en) | 1996-11-14 | 2002-04-25 | Fexco Killorglin | Processing of transactions |
US5983003A (en) | 1996-11-15 | 1999-11-09 | International Business Machines Corp. | Interactive station indicator and user qualifier for virtual worlds |
US6148377A (en) | 1996-11-22 | 2000-11-14 | Mangosoft Corporation | Shared memory computer networks |
US5779379A (en) | 1997-03-28 | 1998-07-14 | Interbold | Receipt form handling system for automated banking machine |
US5868236A (en) * | 1996-11-27 | 1999-02-09 | Darrell G. Rademacher | Pin vending dispenser |
US6021491A (en) | 1996-11-27 | 2000-02-01 | Sun Microsystems, Inc. | Digital signatures for data streams and data archives |
US5913202A (en) | 1996-12-03 | 1999-06-15 | Fujitsu Limited | Financial information intermediary system |
US5950179A (en) | 1996-12-03 | 1999-09-07 | Providian Financial Corporation | Method and system for issuing a secured credit card |
US5923016A (en) | 1996-12-03 | 1999-07-13 | Carlson Companies, Inc. | In-store points redemption system & method |
US5937396A (en) | 1996-12-04 | 1999-08-10 | Konya; Arpad | System for ATM/ATM transfers |
US6311170B1 (en) | 1996-12-04 | 2001-10-30 | Mark C. Embrey | Method and apparatus for making payments and delivering payment information |
US5991748A (en) | 1996-12-06 | 1999-11-23 | American Express Travel Related Services Company, Inc. | Methods and apparatus for regenerating a prepaid transaction account |
US6199761B1 (en) * | 1996-12-09 | 2001-03-13 | Drexler Technology Corporation | Validation method for electronic cash cards and digital identity cards utilizing optical data storage |
US6193155B1 (en) * | 1996-12-09 | 2001-02-27 | Walker Digital, Llc | Method and apparatus for issuing and managing gift certificates |
US5760381A (en) | 1996-12-16 | 1998-06-02 | Moore Business Forms, Inc. | Prepaid card |
US6021202A (en) | 1996-12-20 | 2000-02-01 | Financial Services Technology Consortium | Method and system for processing electronic documents |
US5878211A (en) * | 1996-12-20 | 1999-03-02 | N C R Corporation | Multi-functional retail terminal and associated method |
US5742932A (en) | 1996-12-24 | 1998-04-21 | Pitney Bowes Inc. | Method and system of accounting for transaction costs and currency exchange in a hybrid mail system |
US5932869A (en) | 1996-12-27 | 1999-08-03 | Graphic Technology, Inc. | Promotional system with magnetic stripe and visual thermo-reversible print surfaced medium |
US6164528A (en) | 1996-12-31 | 2000-12-26 | Chequemark Patent, Inc. | Check writing point of sale system |
US5920628A (en) | 1997-01-09 | 1999-07-06 | Washington University | Method and apparatus for fingerprinting and authenticating various magnetic media |
CA2287379C (en) | 1997-01-10 | 2005-10-04 | Silicon Gaming-Nevada | Method and apparatus for providing authenticated, secure on-line communication between remote locations |
US6149056A (en) | 1997-02-06 | 2000-11-21 | Mr. Payroll Corporation | Automatic check cashing using biometric identification verification |
US6145738A (en) | 1997-02-06 | 2000-11-14 | Mr. Payroll Corporation | Method and apparatus for automatic check cashing |
US6314169B1 (en) | 1997-02-06 | 2001-11-06 | Poweroasis, Inc. | Power and telecommunications access vending machine |
US5815555A (en) | 1997-02-11 | 1998-09-29 | Matthew J. Cairo | Certified telephonic transmissions |
US5920848A (en) | 1997-02-12 | 1999-07-06 | Citibank, N.A. | Method and system for using intelligent agents for financial transactions, services, accounting, and advice |
US5864830A (en) * | 1997-02-13 | 1999-01-26 | Armetta; David | Data processing method of configuring and monitoring a satellite spending card linked to a host credit card |
US5963647A (en) | 1997-02-14 | 1999-10-05 | Citicorp Development Center, Inc. | Method and system for transferring funds from an account to an individual |
US6070798A (en) | 1997-02-21 | 2000-06-06 | Nethery; Kee | Purchaser generated transaction recording and negotiable instrument payment system |
US6321984B1 (en) | 1997-02-25 | 2001-11-27 | Dresser Equipment Group, Inc. | Adjustable price fuel dispensing system |
US5999625A (en) | 1997-02-27 | 1999-12-07 | International Business Machines Corporation | Method for electronic payment system with issuer control |
AU6759998A (en) | 1997-03-06 | 1998-09-22 | Skylight Software, Inc. | Cryptographic digital identity method |
JPH10249052A (en) | 1997-03-13 | 1998-09-22 | Oizumi Corp | Gift card for game hall |
US5903721A (en) | 1997-03-13 | 1999-05-11 | cha|Technologies Services, Inc. | Method and system for secure online transaction processing |
US5909486A (en) | 1997-03-19 | 1999-06-01 | Walker Asset Management Limited Partnership | Method and apparatus for awarding and redeeming prepaid telephone time |
US6035406A (en) | 1997-04-02 | 2000-03-07 | Quintet, Inc. | Plurality-factor security system |
US5970480A (en) | 1997-04-14 | 1999-10-19 | Kalina; Dyan T. | Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle |
JP2002504245A (en) | 1997-04-28 | 2002-02-05 | アリーバ・テクノロジーズ・インク | Operating resource management system |
US6145740A (en) | 1997-04-29 | 2000-11-14 | Diebold, Incorporated | Electronic purse card value system |
US6282522B1 (en) | 1997-04-30 | 2001-08-28 | Visa International Service Association | Internet payment system using smart card |
US6999936B2 (en) | 1997-05-06 | 2006-02-14 | Sehr Richard P | Electronic ticketing system and methods utilizing multi-service visitor cards |
US6193152B1 (en) * | 1997-05-09 | 2001-02-27 | Receiptcity.Com, Inc. | Modular signature and data-capture system and point of transaction payment and reward system |
WO1998050875A2 (en) | 1997-05-09 | 1998-11-12 | Gte Government Systems Corporation | Biometric certificates |
US6330544B1 (en) | 1997-05-19 | 2001-12-11 | Walker Digital, Llc | System and process for issuing and managing forced redemption vouchers having alias account numbers |
US5991376A (en) | 1997-05-20 | 1999-11-23 | At&T Corp. | Subscriber reward method |
US6111953A (en) | 1997-05-21 | 2000-08-29 | Walker Digital, Llc | Method and apparatus for authenticating a document |
US5828875A (en) | 1997-05-29 | 1998-10-27 | Telefonaktiebolaget Lm Ericsson | Unroll of instructions in a micro-controller |
US6012048A (en) | 1997-05-30 | 2000-01-04 | Capital Security Systems, Inc. | Automated banking system for dispensing money orders, wire transfer and bill payment |
US5897625A (en) | 1997-05-30 | 1999-04-27 | Capital Security Systems, Inc. | Automated document cashing system |
US5903881A (en) | 1997-06-05 | 1999-05-11 | Intuit, Inc. | Personal online banking with integrated online statement and checkbook user interface |
US6061665A (en) | 1997-06-06 | 2000-05-09 | Verifone, Inc. | System, method and article of manufacture for dynamic negotiation of a network payment framework |
US5949044A (en) | 1997-06-13 | 1999-09-07 | Walker Asset Management Limited Partnership | Method and apparatus for funds and credit line transfers |
US6097834A (en) | 1997-06-13 | 2000-08-01 | Paystation America Inc. | Financial transaction processing systems and methods |
US20010047342A1 (en) | 1997-06-16 | 2001-11-29 | Vincent Cuervo | Credit or debit cards of all kinds to be issued with a bank savings account attched |
US6405182B1 (en) | 1998-08-03 | 2002-06-11 | Vincent Cuervo | System for dispensing prepaid debit cards through point-of-sale terminals |
US6105009A (en) | 1997-06-16 | 2000-08-15 | Cuervo; Vincent | Automated teller machine dispenser of debit cards |
US20020174016A1 (en) | 1997-06-16 | 2002-11-21 | Vincent Cuervo | Multiple accounts and purposes card method and system |
US5960963A (en) | 1997-06-23 | 1999-10-05 | Pitney Bowes Inc. | Sorting device for an inserting system |
US6085976A (en) | 1998-05-22 | 2000-07-11 | Sehr; Richard P. | Travel system and methods utilizing multi-application passenger cards |
US6012045A (en) | 1997-07-01 | 2000-01-04 | Barzilai; Nizan | Computer-based electronic bid, auction and sale system, and a system to teach new/non-registered customers how bidding, auction purchasing works |
AU8276398A (en) | 1997-07-03 | 1999-01-25 | Citicorp Development Center, Inc. | System and method for transferring value to a magnetic stripe on a transaction card |
US6000608A (en) * | 1997-07-10 | 1999-12-14 | Dorf; Robert E. | Multifunction card system |
US6295522B1 (en) | 1997-07-11 | 2001-09-25 | Cybercash, Inc. | Stored-value card value acquisition method and apparatus |
US6006988A (en) | 1997-07-15 | 1999-12-28 | Behrmann; Bry E. | Non-cash media card and process of dispensing from automated teller |
US6119933A (en) | 1997-07-17 | 2000-09-19 | Wong; Earl Chang | Method and apparatus for customer loyalty and marketing analysis |
US5978475A (en) * | 1997-07-18 | 1999-11-02 | Counterpane Internet Security, Inc. | Event auditing system |
US5974146A (en) | 1997-07-30 | 1999-10-26 | Huntington Bancshares Incorporated | Real time bank-centric universal payment system |
US5896298A (en) | 1997-08-08 | 1999-04-20 | Carreker-Antinori, Inc. | System and method for providing central notification of issued items |
US5899980A (en) | 1997-08-11 | 1999-05-04 | Trivnet Ltd. | Retail method over a wide area network |
US6311892B1 (en) | 1997-08-12 | 2001-11-06 | Bell & Howell Postal Systems, Inc. | Automatic system for verifying articles containing indicia thereon |
US6146272A (en) | 1997-08-15 | 2000-11-14 | Walker Digital, Llc | Conditional lottery system |
US6292789B1 (en) | 1997-08-26 | 2001-09-18 | Citibank, N.A. | Method and system for bill presentment and payment |
US5910988A (en) | 1997-08-27 | 1999-06-08 | Csp Holdings, Inc. | Remote image capture with centralized processing and storage |
US6163771A (en) * | 1997-08-28 | 2000-12-19 | Walker Digital, Llc | Method and device for generating a single-use financial account number |
US6026370A (en) | 1997-08-28 | 2000-02-15 | Catalina Marketing International, Inc. | Method and apparatus for generating purchase incentive mailing based on prior purchase history |
US5974399A (en) | 1997-08-29 | 1999-10-26 | Catalina Marketing International, Inc. | Method and apparatus for generating purchase incentives based on price differentials |
US6044362A (en) | 1997-09-08 | 2000-03-28 | Neely; R. Alan | Electronic invoicing and payment system |
US6128603A (en) | 1997-09-09 | 2000-10-03 | Dent; Warren T. | Consumer-based system and method for managing and paying electronic billing statements |
US6213391B1 (en) | 1997-09-10 | 2001-04-10 | William H. Lewis | Portable system for personal identification based upon distinctive characteristics of the user |
US6030000A (en) | 1997-09-12 | 2000-02-29 | Diamond Security, Inc. | Negotiable document having enhanced security for deterring fraud by use of a thermochromatic fingerprint image |
US5914472A (en) | 1997-09-23 | 1999-06-22 | At&T Corp | Credit card spending authorization control system |
US6000832A (en) | 1997-09-24 | 1999-12-14 | Microsoft Corporation | Electronic online commerce card with customer generated transaction proxy number for online transactions |
US6070156A (en) | 1997-09-26 | 2000-05-30 | Gilbarco Inc. | Providing transaction estimates in a fueling and retail system |
US6073121A (en) | 1997-09-29 | 2000-06-06 | Ramzy; Emil Y. | Check fraud prevention system |
US6061794A (en) | 1997-09-30 | 2000-05-09 | Compaq Computer Corp. | System and method for performing secure device communications in a peer-to-peer bus architecture |
US5993047A (en) | 1997-10-02 | 1999-11-30 | John C. Novogrod | Apparatus and method for requesting and dispensing negotiable instruments |
US6119931A (en) | 1997-10-02 | 2000-09-19 | Novogrod; John C. | System and method for requesting and dispensing negotiable instruments |
US5936221A (en) | 1997-10-02 | 1999-08-10 | Bridgepoint Systems, Inc. | Smart card system and method for transferring value |
US6304860B1 (en) | 1997-10-03 | 2001-10-16 | Joseph B. Martin, Jr. | Automated debt payment system and method using ATM network |
US6128599A (en) | 1997-10-09 | 2000-10-03 | Walker Asset Management Limited Partnership | Method and apparatus for processing customized group reward offers |
US5987426A (en) | 1997-10-14 | 1999-11-16 | Ncr Corporation | Point-of-sale system including isolation layer between client and server software |
US6250548B1 (en) | 1997-10-16 | 2001-06-26 | Mcclure Neil | Electronic voting system |
US5926795A (en) | 1997-10-17 | 1999-07-20 | Catalina Marketing International, Inc. | System and apparatus for dispensing coupons having selectively printed borders around preferred products |
US6061660A (en) | 1997-10-20 | 2000-05-09 | York Eggleston | System and method for incentive programs and award fulfillment |
US6027216A (en) | 1997-10-21 | 2000-02-22 | The Johns University School Of Medicine | Eye fixation monitor and tracker |
US5991750A (en) | 1997-10-24 | 1999-11-23 | Ge Capital | System and method for pre-authorization of individual account transactions |
GB9722551D0 (en) | 1997-10-25 | 1997-12-24 | Ncr Int Inc | Card reader |
US6128602A (en) | 1997-10-27 | 2000-10-03 | Bank Of America Corporation | Open-architecture system for real-time consolidation of information from multiple financial systems |
US6106020A (en) | 1997-10-28 | 2000-08-22 | Kerning Data Systems, Inc. | Fraud prevention method and system |
US6061799A (en) | 1997-10-31 | 2000-05-09 | International Business Machines Corp. | Removable media for password based authentication in a distributed system |
US6269369B1 (en) | 1997-11-02 | 2001-07-31 | Amazon.Com Holdings, Inc. | Networked personal contact manager |
US6047268A (en) | 1997-11-04 | 2000-04-04 | A.T.&T. Corporation | Method and apparatus for billing for transactions conducted over the internet |
US6009411A (en) | 1997-11-14 | 1999-12-28 | Concept Shopping, Inc. | Method and system for distributing and reconciling electronic promotions |
US6247047B1 (en) | 1997-11-18 | 2001-06-12 | Control Commerce, Llc | Method and apparatus for facilitating computer network transactions |
US5978780A (en) | 1997-11-21 | 1999-11-02 | Craig Michael Watson | Integrated bill consolidation, payment aggregation, and settlement system |
US5969318A (en) | 1997-11-24 | 1999-10-19 | Mackenthun; Holger | Gateway apparatus for designing and issuing multiple application cards |
US6275829B1 (en) | 1997-11-25 | 2001-08-14 | Microsoft Corporation | Representing a graphic image on a web page with a thumbnail-sized image |
US6119106A (en) | 1997-11-26 | 2000-09-12 | Mersky; Randy | Method and apparatus for facilitating customer payments to creditors from a remote site |
US6223166B1 (en) | 1997-11-26 | 2001-04-24 | International Business Machines Corporation | Cryptographic encoded ticket issuing and collection system for remote purchasers |
GB2331822B (en) | 1997-12-01 | 2002-04-17 | Global Money Transfer Holdings | Method and apparatus for money transfers |
BR9815131A (en) | 1997-12-02 | 2005-05-31 | Cash Technologies Inc | Automated transaction network, automated transaction terminal, and process for transacting with one of several service providers from an automated transaction terminal |
US5930773A (en) | 1997-12-17 | 1999-07-27 | Avista Advantage, Inc. | Computerized resource accounting methods and systems, computerized utility management methods and systems, multi-user utility management methods and systems, and energy-consumption-based tracking methods and systems |
US5943656A (en) | 1997-12-03 | 1999-08-24 | Avista Advantage, Inc. | Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems |
US6807537B1 (en) * | 1997-12-04 | 2004-10-19 | Microsoft Corporation | Mixtures of Bayesian networks |
US5987429A (en) | 1997-12-16 | 1999-11-16 | Sun Microsystems, Inc. | Computer-based fee processing for electronic commerce |
AU758710B2 (en) | 1997-12-19 | 2003-03-27 | Visa International Service Association | Card activation at point of distribution |
US6314519B1 (en) | 1997-12-22 | 2001-11-06 | Motorola, Inc. | Secure messaging system overlay for a selective call signaling system |
US6052674A (en) | 1997-12-23 | 2000-04-18 | Information Retrieval Consultants (Europe, Middle East, Africa ) Limited | Electronic invoicing and collection system and method with charity donations |
US6263446B1 (en) | 1997-12-23 | 2001-07-17 | Arcot Systems, Inc. | Method and apparatus for secure distribution of authentication credentials to roaming users |
US6134561A (en) | 1997-12-29 | 2000-10-17 | Pitney Bowes Inc. | System for tracking the receipt and internal delivery of items such as packages |
US6212504B1 (en) | 1998-01-12 | 2001-04-03 | Unisys Corporation | Self-authentication of value documents using encoded indices |
JP2002509313A (en) | 1998-01-16 | 2002-03-26 | メディアドナ、インコーポレイテッド | System and method for authenticating a peer component |
US6068183A (en) | 1998-04-17 | 2000-05-30 | Viztec Inc. | Chip card system |
US6098053A (en) | 1998-01-28 | 2000-08-01 | Citibank, N.A. | System and method for performing an electronic financial transaction |
US6889198B2 (en) | 1998-01-30 | 2005-05-03 | Citicorp Development Center, Inc. | Method and system for tracking smart card loyalty points |
DE19838628A1 (en) | 1998-08-26 | 2000-03-02 | Ibm | Extended smart card communication architecture and method for communication between smart card application and data carrier |
US6078907A (en) | 1998-02-18 | 2000-06-20 | Lamm; David | Method and system for electronically presenting and paying bills |
US5953709A (en) | 1998-02-19 | 1999-09-14 | Labor Ready, Inc. | Automated voucher cash-out system and method |
US5999596A (en) | 1998-03-06 | 1999-12-07 | Walker Asset Management Limited | Method and system for controlling authorization of credit card transactions |
JP3199173B2 (en) | 1998-03-12 | 2001-08-13 | エヌ・ティ・ティ・コムウェア株式会社 | Email wrapping system device |
GB9805905D0 (en) | 1998-03-19 | 1998-05-13 | Pitney Bowes Ltd | Envelope inserting apparatus |
US6081790A (en) | 1998-03-20 | 2000-06-27 | Citibank, N.A. | System and method for secure presentment and payment over open networks |
US6532451B1 (en) | 1998-03-23 | 2003-03-11 | Novell, Inc. | Nested strong loader apparatus and method |
US6636833B1 (en) * | 1998-03-25 | 2003-10-21 | Obis Patents Ltd. | Credit card system and method |
JPH11268351A (en) | 1998-03-26 | 1999-10-05 | Seiko Epson Corp | Printing apparatus, reading apparatus, processing system for check |
US6721715B2 (en) | 1998-03-30 | 2004-04-13 | Martin A. Nemzow | Method and apparatus for localizing currency valuation independent of the original and objective currencies |
SG81266A1 (en) | 1998-03-30 | 2001-06-19 | Citibank Na | Method and system to perform electronic value exchange and settlement among heterogeneous payment schemes with heterogenous currencies |
US6422462B1 (en) | 1998-03-30 | 2002-07-23 | Morris E. Cohen | Apparatus and methods for improved credit cards and credit card transactions |
US6064990A (en) | 1998-03-31 | 2000-05-16 | International Business Machines Corporation | System for electronic notification of account activity |
US5915007A (en) | 1998-04-14 | 1999-06-22 | Catalina Marketing International, Inc. | Method and system for using a frequent shopper card as a phone calling card |
US6315195B1 (en) | 1998-04-17 | 2001-11-13 | Diebold, Incorporated | Transaction apparatus and method |
US6450407B1 (en) | 1998-04-17 | 2002-09-17 | Viztec, Inc. | Chip card rebate system |
US20030171992A1 (en) | 1999-04-23 | 2003-09-11 | First Data Corporation | System and methods for redeeming rewards associated with accounts |
US20020198806A1 (en) | 1998-04-24 | 2002-12-26 | First Data Corporation | Systems and methods for accessing and modifying usage parameters associated with a financial transaction account |
US6173272B1 (en) | 1998-04-27 | 2001-01-09 | The Clearing House Service Company L.L.C. | Electronic funds transfer method and system and bill presentment method and system |
US6102287A (en) | 1998-05-15 | 2000-08-15 | International Business Machines Corporation | Method and apparatus for providing product survey information in an electronic payment system |
US6206283B1 (en) * | 1998-12-23 | 2001-03-27 | At&T Corp. | Method and apparatus for transferring money via a telephone call |
US7039805B1 (en) | 1998-05-20 | 2006-05-02 | Messing John H | Electronic signature method |
US6092202A (en) | 1998-05-22 | 2000-07-18 | N*Able Technologies, Inc. | Method and system for secure transactions in a computer system |
US6270011B1 (en) | 1998-05-28 | 2001-08-07 | Benenson Tal | Remote credit card authentication system |
US6122624A (en) | 1998-05-28 | 2000-09-19 | Automated Transaction Corp. | System and method for enhanced fraud detection in automated electronic purchases |
US7249054B2 (en) | 1998-06-18 | 2007-07-24 | Keil Dean S | System and method for debit account transactions |
US20010023409A1 (en) | 1998-06-18 | 2001-09-20 | Keil Dean S. | Apparatus for establishing debit accounts |
US7349557B2 (en) | 1998-06-19 | 2008-03-25 | Solidus Networks, Inc. | Electronic transaction verification system |
HUP0103385A2 (en) | 1998-06-19 | 2002-01-28 | Protx Limited | Verified payment system |
US6216227B1 (en) | 1998-06-29 | 2001-04-10 | Sun Microsystems, Inc. | Multi-venue ticketing using smart cards |
US6601038B1 (en) | 1998-07-20 | 2003-07-29 | Usa Technologies, Inc. | Delivery of goods and services resultant from an electronic commerce transaction by way of a pack and ship type company |
US6011833A (en) | 1998-08-11 | 2000-01-04 | Florafax International, Inc | Talking bouquet |
US6343279B1 (en) * | 1998-08-26 | 2002-01-29 | American Management Systems, Inc. | System integrating credit card transactions into a financial management system |
EP0982674A3 (en) | 1998-08-27 | 2004-03-31 | Citibank, N.A. | System and method for merchant function assumption of internet checking and savings account transactions |
US6453300B2 (en) | 1998-08-31 | 2002-09-17 | Cd Coupon, Llc | Personalized greeting card with electronic storage media and method of personalizing same |
US6222914B1 (en) | 1998-09-02 | 2001-04-24 | Mcmullin John L. | System and method for administration of an incentive award system having a delayed award payment using a credit instrument |
US6175823B1 (en) * | 1998-09-15 | 2001-01-16 | Amazon.Com, Inc. | Electronic gift certificate system |
US6360254B1 (en) * | 1998-09-15 | 2002-03-19 | Amazon.Com Holdings, Inc. | System and method for providing secure URL-based access to private resources |
EP0987642A3 (en) | 1998-09-15 | 2004-03-10 | Citibank, N.A. | Method and system for co-branding an electronic payment platform such as an electronic wallet |
US6170744B1 (en) * | 1998-09-24 | 2001-01-09 | Payformance Corporation | Self-authenticating negotiable documents |
US6058417A (en) | 1998-10-23 | 2000-05-02 | Ebay Inc. | Information presentation and management in an online trading environment |
US6999569B2 (en) | 1998-10-28 | 2006-02-14 | Mastercard International Incorporated | System and method for using a prepaid card |
US6473500B1 (en) | 1998-10-28 | 2002-10-29 | Mastercard International Incorporated | System and method for using a prepaid card |
US6334109B1 (en) | 1998-10-30 | 2001-12-25 | International Business Machines Corporation | Distributed personalized advertisement system and method |
US6327570B1 (en) | 1998-11-06 | 2001-12-04 | Dian Stevens | Personal business service system and method |
GB9824697D0 (en) | 1998-11-11 | 1999-01-06 | Ncr Int Inc | Terminal |
US6032136A (en) | 1998-11-17 | 2000-02-29 | First Usa Bank, N.A. | Customer activated multi-value (CAM) card |
KR20020006625A (en) * | 1998-11-17 | 2002-01-23 | 추후제출 | Electronic payment system utilizing intermediary account |
US6442529B1 (en) | 1998-11-17 | 2002-08-27 | Novaweb Technologies, Inc. | Methods and apparatus for delivering targeted information and advertising over the internet |
US6070154A (en) | 1998-11-27 | 2000-05-30 | Activepoint Ltd. | Internet credit card security |
US6339766B1 (en) | 1998-12-02 | 2002-01-15 | Transactionsecure | Electronic payment system employing limited-use account number |
US6260024B1 (en) | 1998-12-02 | 2001-07-10 | Gary Shkedy | Method and apparatus for facilitating buyer-driven purchase orders on a commercial network system |
ITMI982749A1 (en) | 1998-12-18 | 2000-06-18 | Brain Srl | PROCEDURE FOR DISTRIBUTING PERSONALIZED OFFERS TO OWNERS DETENTION LOYALTY TO THE ENTRY OF SALES POINTS |
US6135292A (en) | 1998-12-21 | 2000-10-24 | Pitney Bowes Inc. | Method and system for presorting mail based on mail piece thickness |
US6321981B1 (en) * | 1998-12-22 | 2001-11-27 | Eastman Kodak Company | Method and apparatus for transaction card security utilizing embedded image data |
US6571339B1 (en) | 1998-12-30 | 2003-05-27 | Intel Corporation | Use of a processor identification for authentication |
US6760711B1 (en) | 1999-01-11 | 2004-07-06 | Microsoft Corporation | Merchant owned, ISP-hosted online stores with secure data store |
US6418472B1 (en) | 1999-01-19 | 2002-07-09 | Intel Corporation | System and method for using internet based caller ID for controlling access to an object stored in a computer |
US6405176B1 (en) | 1999-01-27 | 2002-06-11 | International Business Machines Corp. | Method for processing multiple electronic shopping carts |
WO2000046725A1 (en) | 1999-02-05 | 2000-08-10 | Fundsxpress, Inc. | System and method for conducting online financial transactions using electronic funds transfer and public communications networks |
US6202005B1 (en) * | 1999-02-05 | 2001-03-13 | First Data Corporation | System for selectively printing messages and adding inserts to merchant statements |
US6223983B1 (en) | 1999-02-19 | 2001-05-01 | National City Bank | Interactive point access financial and information system |
US6510453B1 (en) | 1999-02-26 | 2003-01-21 | Microsoft Corporation | System and method for creating and inserting multiple data fragments into an electronic mail message |
US6467684B2 (en) | 1999-03-02 | 2002-10-22 | Netvisions, Inc. | Pre-paid card system for purchasing products or services |
WO2000054122A2 (en) | 1999-03-09 | 2000-09-14 | Ancestry.Com, Inc. | System and methods for shared electronic purchasing |
US20040139004A1 (en) | 1999-04-08 | 2004-07-15 | Aceinc Pty Ltd. | Secure online commerce transactions |
US6578014B1 (en) | 1999-04-14 | 2003-06-10 | Thomas Murcko, Jr. | Method and apparatus for post-transaction pricing system |
AU2597200A (en) | 1999-04-23 | 2000-11-10 | First Data Resources, Inc. | Methods for processing a group of accounts corresponding to different products |
US20030212620A1 (en) | 1999-04-23 | 2003-11-13 | First Data Corporation | Systems and methods for authorizing transactions |
AU762775B2 (en) | 1999-04-26 | 2003-07-03 | Ronald Katz | Point of sale terminal for the visually impaired |
US6678664B1 (en) | 1999-04-26 | 2004-01-13 | Checkfree Corporation | Cashless transactions without credit cards, debit cards or checks |
EP2360635A3 (en) | 1999-04-30 | 2013-04-10 | PayPal, Inc. | System and method for electronically exchanging value among distributed users |
US6609113B1 (en) | 1999-05-03 | 2003-08-19 | The Chase Manhattan Bank | Method and system for processing internet payments using the electronic funds transfer network |
US6704714B1 (en) | 1999-05-03 | 2004-03-09 | The Chase Manhattan Bank | Virtual private lock box |
CA2271178A1 (en) | 1999-05-06 | 1999-07-06 | Connotech Experts-Conseils Inc. | Server-side public key cryptography apparatus with private key protection and isolation from public networks |
US6554184B1 (en) | 1999-05-07 | 2003-04-29 | Carl Raymond Amos | Automatic instant money transfer machine |
US7246244B2 (en) | 1999-05-14 | 2007-07-17 | Fusionarc, Inc. A Delaware Corporation | Identity verification method using a central biometric authority |
US6345261B1 (en) * | 1999-09-21 | 2002-02-05 | Stockback Holdings, Inc. | Customer loyalty investment program |
US6609104B1 (en) | 1999-05-26 | 2003-08-19 | Incentech, Inc. | Method and system for accumulating marginal discounts and applying an associated incentive |
US6536037B1 (en) | 1999-05-27 | 2003-03-18 | Accenture Llp | Identification of redundancies and omissions among components of a web based architecture |
US6519571B1 (en) | 1999-05-27 | 2003-02-11 | Accenture Llp | Dynamic customer profile management |
US6721713B1 (en) | 1999-05-27 | 2004-04-13 | Andersen Consulting Llp | Business alliance identification in a web architecture framework |
US6615166B1 (en) | 1999-05-27 | 2003-09-02 | Accenture Llp | Prioritizing components of a network framework required for implementation of technology |
US6473794B1 (en) | 1999-05-27 | 2002-10-29 | Accenture Llp | System for establishing plan to test components of web based framework by displaying pictorial representation and conveying indicia coded components of existing network framework |
US6282516B1 (en) | 1999-06-01 | 2001-08-28 | Catalina Marketing International, Inc. | Process, system and computer readable medium for in-store printing of discount coupons and/or other purchasing incentives in various departments within a retail store |
US6505179B1 (en) | 1999-06-02 | 2003-01-07 | Kara Technology Incorporated | Verifying the authenticity of printed documents on universally available paper stock |
JP5405704B2 (en) | 1999-06-18 | 2014-02-05 | イーチャージ コーポレーション | Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account |
US6370514B1 (en) | 1999-08-02 | 2002-04-09 | Marc A. Messner | Method for marketing and redeeming vouchers for use in online purchases |
CA2276641A1 (en) | 1999-06-30 | 2000-12-30 | S. Mark Brady | System and method for a multiple-site e-mail to letter mail system |
US20020184152A1 (en) | 1999-06-30 | 2002-12-05 | Martin David A. | Method and device for preventing check fraud |
US6321211B1 (en) | 1999-07-06 | 2001-11-20 | Richfx, Inc. | Methods and systems for electronically accepting and exchanging an online gift |
WO2001004816A1 (en) | 1999-07-09 | 2001-01-18 | Citicorp Credit Services, Inc. | Method and system for managing and conducting a network auction |
IES990584A2 (en) | 1999-07-12 | 2000-07-12 | Mainline Corporate Holdings | Dynamic currency conversion for card payment systems |
US6386444B1 (en) | 1999-07-30 | 2002-05-14 | First Usa Bank, N.A. | System and methods for card payment instrument with rebate applied to an insurance premium |
US6827260B2 (en) | 1999-08-09 | 2004-12-07 | First Data Corporation | Systems and methods for utilizing a point-of-sale system |
US7086584B2 (en) | 1999-08-09 | 2006-08-08 | First Data Corporation | Systems and methods for configuring a point-of-sale system |
US6886742B2 (en) | 1999-08-09 | 2005-05-03 | First Data Corporation | Systems and methods for deploying a point-of sale device |
MXPA02001382A (en) | 1999-08-09 | 2004-07-16 | First Data Corp | Point of sale payment terminal. |
US7600673B2 (en) | 1999-08-09 | 2009-10-13 | First Data Corporation | Systems and methods for performing transactions at a point-of-sale |
AU771900B2 (en) | 1999-08-13 | 2004-04-08 | Siemens Aktiengesellschaft | Automatic tray handling system for sorter |
US6575361B1 (en) | 1999-08-19 | 2003-06-10 | E-2 Interactive, Inc. | System and method for managing stored-value card data |
US7093761B2 (en) | 2001-09-24 | 2006-08-22 | E2Interactive, Inc. | System and method for distributing stored-value cards |
EP1077436A3 (en) | 1999-08-19 | 2005-06-22 | Citicorp Development Center, Inc. | System and method for performing an on-line transaction using a single-use payment instrument |
US20020099607A1 (en) | 1999-08-27 | 2002-07-25 | Bertrand Sosa | Online promotional scheme |
US20020095387A1 (en) | 1999-08-27 | 2002-07-18 | Bertrand Sosa | Online content portal system |
US7386516B2 (en) | 1999-09-10 | 2008-06-10 | Metavante Corporation | System and method for providing secure services over public and private networks using a removable portable computer-readable storage |
US6335688B1 (en) * | 1999-09-28 | 2002-01-01 | Clifford Sweatte | Method and system for airport security |
US6164043A (en) | 1999-09-29 | 2000-12-26 | Pitney Bowes Inc. | Method and apparatus for opening an envelope in an inserting machine |
US6829588B1 (en) | 1999-10-08 | 2004-12-07 | First Data Corporation | Electronic payroll system & method |
US6394343B1 (en) | 1999-10-14 | 2002-05-28 | Jon N. Berg | System for card to card transfer of monetary values |
US6267366B1 (en) | 1999-10-25 | 2001-07-31 | Quad/Graphics, Inc. | Apparatus and method of delivering signatures to a binding line |
US7617157B2 (en) | 2002-01-03 | 2009-11-10 | The Western Union Company | Method for receiving electronically transferred funds using an automated teller machine |
US7664703B2 (en) * | 1999-10-26 | 2010-02-16 | The Western Union Company | Value transfer systems and methods |
US7104440B2 (en) * | 1999-10-26 | 2006-09-12 | First Data Corporation | Money transfer systems and methods for travelers |
US6994251B2 (en) | 1999-10-26 | 2006-02-07 | First Data Corporation | Cash payment for remote transactions |
US6502747B1 (en) | 1999-10-26 | 2003-01-07 | First Data Corporation | System and method for performing money transfer transaction using TCP/IP |
US6814282B2 (en) | 1999-10-26 | 2004-11-09 | First Data Corporation | Systems and methods of introducing and receiving information across a computer network |
US20030069856A1 (en) | 2001-10-10 | 2003-04-10 | First Data Corporation | Method and system for performing money transfer transactions |
US6488203B1 (en) | 1999-10-26 | 2002-12-03 | First Data Corporation | Method and system for performing money transfer transactions |
US6908031B2 (en) | 1999-10-26 | 2005-06-21 | First Data Corporation | Systems and methods for price matching on funds transfers |
WO2001031555A1 (en) | 1999-10-28 | 2001-05-03 | Gould David B | Prepaid cash equivalent card and system |
US6347305B1 (en) * | 1999-10-29 | 2002-02-12 | E-Duction, Inc. | Method for selecting and processing a payroll deduction plan as a payment option during electronic commerce |
WO2001033522A1 (en) | 1999-11-05 | 2001-05-10 | American Express Travel Related Services Company, Inc. | Systems and methods for facilitating commercial transactions between parties residing at remote locations |
US6606744B1 (en) | 1999-11-22 | 2003-08-12 | Accenture, Llp | Providing collaborative installation management in a network-based supply chain environment |
US6671818B1 (en) | 1999-11-22 | 2003-12-30 | Accenture Llp | Problem isolation through translating and filtering events into a standard object format in a network based supply chain |
WO2001044995A2 (en) | 1999-12-16 | 2001-06-21 | Versus Technologies Inc. | System and method for performing automated currency conversion and order update |
US7849009B2 (en) | 1999-12-29 | 2010-12-07 | The Western Union Company | Methods and apparatus for mapping sources and uses of consumer funds |
AU1960101A (en) | 1999-12-29 | 2001-07-16 | Paymap, Inc. | Method and apparatus for mapping sources and uses of consumer funds |
US7613653B2 (en) | 1999-12-30 | 2009-11-03 | First Data Corporation | Money order debit from stored value fund |
US6847947B1 (en) | 2000-01-18 | 2005-01-25 | First Data Corporation | Method and system for reduced cost debit processing |
US8543423B2 (en) | 2002-07-16 | 2013-09-24 | American Express Travel Related Services Company, Inc. | Method and apparatus for enrolling with multiple transaction environments |
IL134172A0 (en) * | 2000-01-23 | 2001-04-30 | Kabin Dan | Virtual cash limited money card for purchasing, to be used mostly through the internet and communication systems |
US6615190B1 (en) | 2000-02-09 | 2003-09-02 | Bank One, Delaware, National Association | Sponsor funded stored value card |
AU2001236838A1 (en) | 2000-02-09 | 2001-08-20 | Internetcash.Com | Methods and systems for making secure electronic payments |
EP1257983A2 (en) | 2000-02-10 | 2002-11-20 | Jon Shore | Apparatus, systems and methods for wirelessly transacting financial transfers, electronically recordable authorization transfers, and other information transfers |
US7120606B1 (en) | 2000-02-10 | 2006-10-10 | Jove Corporation | System and method for secure electronic fund transfers |
US20030126036A1 (en) | 2000-02-29 | 2003-07-03 | First Data Corporation | Online payments |
US7366695B1 (en) | 2000-02-29 | 2008-04-29 | First Data Corporation | Electronic purchase method and funds transfer system |
US20030126075A1 (en) | 2001-11-15 | 2003-07-03 | First Data Corporation | Online funds transfer method |
AU2001243473A1 (en) | 2000-03-07 | 2001-09-17 | American Express Travel Related Services Company, Inc. | System for facilitating a transaction |
US20010037455A1 (en) | 2000-03-09 | 2001-11-01 | Lawandy Nabil M. | Authentication using a digital watermark |
EP1269429A2 (en) * | 2000-03-15 | 2003-01-02 | Mastercard International, Inc. | Method and system for secure payments over a computer network |
US7412422B2 (en) | 2000-03-23 | 2008-08-12 | Dekel Shiloh | Method and system for securing user identities and creating virtual users to enhance privacy on a communication network |
KR100887275B1 (en) | 2000-03-23 | 2009-03-06 | 크로스 매치 테크놀로지스, 인크. | Piezoelectric identification device and applications thereof |
US6591249B2 (en) * | 2000-03-26 | 2003-07-08 | Ron Zoka | Touch scan internet credit card verification purchase process |
RU2002128748A (en) | 2000-03-27 | 2004-02-27 | Тфхс, Инк. (Us) | Online Interactive Correspondence with Integrated Charge |
JP2001273430A (en) | 2000-03-27 | 2001-10-05 | Toshiba Corp | Portable electronic device and point system |
US20010051876A1 (en) | 2000-04-03 | 2001-12-13 | Seigel Ronald E. | System and method for personalizing, customizing and distributing geographically distinctive products and travel information over the internet |
WO2001075744A1 (en) | 2000-04-03 | 2001-10-11 | Incogno Corporation | Method of and system for effecting anonymous credit card purchases over the internet |
US6732916B1 (en) | 2000-04-14 | 2004-05-11 | Gtech Rhode Island Corporation | Automated ticket cancellation device and process for canceling uniquely numbered tickets |
CA2305249A1 (en) | 2000-04-14 | 2001-10-14 | Branko Sarcanin | Virtual safe |
CA2406001A1 (en) | 2000-04-14 | 2001-10-25 | American Express Travel Related Services Company, Inc. | A system and method for using loyalty points |
US6386457B1 (en) | 2000-04-19 | 2002-05-14 | Edward Earl Sorie | Prepaid entertainment card and methods and systems for using prepaid entertainment card |
US6618705B1 (en) | 2000-04-19 | 2003-09-09 | Tiejun (Ronald) Wang | Method and system for conducting business in a transnational e-commerce network |
EP1277179A2 (en) * | 2000-04-20 | 2003-01-22 | Innovative Payment Systems, Llc | Method and system for ubiquitous enablement of electronic currency |
DE10023251A1 (en) | 2000-05-12 | 2001-12-20 | Logo Hardware & Internet Servi | Payment card and method of payment using a payment card |
US10521782B2 (en) | 2000-05-15 | 2019-12-31 | Efunds Corporation | System for and method of effecting an electronic transaction |
US20020104026A1 (en) | 2001-01-29 | 2002-08-01 | Robert Barra | Method and apparatus for providing a service to transfer messages over a communications network |
AU2001265107A1 (en) | 2000-05-26 | 2001-12-11 | Interchecks, Llc | Methods and systems for network based electronic purchasing system |
US6651885B1 (en) | 2000-06-08 | 2003-11-25 | Luis A. Arias | Multi-function transaction processing system |
US7599847B2 (en) | 2000-06-09 | 2009-10-06 | Airport America | Automated internet based interactive travel planning and management system |
US6736314B2 (en) | 2000-06-09 | 2004-05-18 | Telecom Usa | Methods and systems for transferring funds |
US6496809B1 (en) | 2000-06-09 | 2002-12-17 | Brett Nakfoor | Electronic ticketing system and method |
US6588658B1 (en) | 2000-06-23 | 2003-07-08 | Eric Blank | Transaction card with attached auxiliary member |
US7949600B1 (en) | 2000-06-27 | 2011-05-24 | Western Union Financial Services, Inc. | Method for facilitating payment of a computerized transaction |
US20020046106A1 (en) | 2000-06-28 | 2002-04-18 | Akira Ishibashi | Method and system for modeling business card exchanges in a point-to -point value |
US20020152168A1 (en) | 2000-07-11 | 2002-10-17 | First Data Corporation | Automated transfer with stored value fund |
US7249098B2 (en) | 2000-07-11 | 2007-07-24 | First Data Corporation | Subscription-based payment |
AU2001271978A1 (en) * | 2000-07-11 | 2002-01-21 | Citicorp Credit Services, Inc. | Method and system for on-line payments |
US7398252B2 (en) | 2000-07-11 | 2008-07-08 | First Data Corporation | Automated group payment |
EP1312012A4 (en) | 2000-07-11 | 2006-09-06 | First Data Corp | Wide area network person-to-person payment |
US6526130B1 (en) | 2000-07-19 | 2003-02-25 | Ewi Holdings, Inc. | System and method for distributing personal identification numbers over a computer network |
DE10039419C1 (en) | 2000-08-11 | 2001-10-18 | Siemens Ag | Stack section identification method for mail sorting machine uses automatic dispenser for applying adhesive tag to last or first and last letter in each stack section |
AU2001288343A1 (en) * | 2000-08-22 | 2002-03-04 | Citibank, N.A. | Method and system for payment over the internet |
US20030028491A1 (en) | 2000-08-25 | 2003-02-06 | Cooper Jonathan D. | Improved money transfer system and method with added security features |
US20020046116A1 (en) | 2000-09-08 | 2002-04-18 | William Hohle | System and method for loyalty program distribution and settlement |
WO2002023796A1 (en) * | 2000-09-11 | 2002-03-21 | Sentrycom Ltd. | A biometric-based system and method for enabling authentication of electronic messages sent over a network |
WO2002023445A2 (en) | 2000-09-11 | 2002-03-21 | Mygroupbuy, Inc. | Customizable group initiative |
US20030236728A1 (en) | 2000-09-20 | 2003-12-25 | Amir Sunderji | Method and apparatus for managing a financial transaction system |
US20020040346A1 (en) | 2000-09-27 | 2002-04-04 | Kwan Khai Hee | Computer system and method for on-line generating a password protected and barcode prepaid instrument of entitlement and activating said instrument on presentation over a computer network |
US20020062253A1 (en) | 2000-10-20 | 2002-05-23 | Sidney Dosh | Loyalty club reward system for use in a broadcast loyalty program |
US6877656B1 (en) | 2000-10-24 | 2005-04-12 | Capital One Financial Corporation | Systems, methods, and apparatus for instant issuance of a credit card |
US7398225B2 (en) | 2001-03-29 | 2008-07-08 | American Express Travel Related Services Company, Inc. | System and method for networked loyalty program |
US7899717B2 (en) | 2000-11-06 | 2011-03-01 | Raymond Anthony Joao | Apparatus and method for selling a ticket to an event and/or to a portion of an event or venue |
WO2002039368A1 (en) | 2000-11-10 | 2002-05-16 | Kargman James B | Method for processing credit card payments made by customers to merchants |
US20020082920A1 (en) | 2000-11-17 | 2002-06-27 | Kermit Austin | System and methods for providing a multi-merchant loyalty program |
US7680738B2 (en) | 2000-11-22 | 2010-03-16 | American Express Travel Related Services Company, Inc. | System and method for executing cash payments via a computer network |
US20020065716A1 (en) | 2000-11-30 | 2002-05-30 | Kuschill James E. | Methods and system for processing loyalty transactions |
US20020067827A1 (en) | 2000-12-04 | 2002-06-06 | Kargman James B. | Method for preventing check fraud |
GB0029948D0 (en) | 2000-12-08 | 2001-01-24 | Ncr Int Inc | Self-service terminal user interface |
US20020107797A1 (en) | 2000-12-13 | 2002-08-08 | Combaluzier Pierre Michel | Electronic remittance transfer from a merchant's smart card to a consumer loyalty smart card identified by a transaction authorization code |
US7003479B2 (en) | 2000-12-15 | 2006-02-21 | First Data Corporation | Systems and methods for ordering and distributing incentive messages |
US6922673B2 (en) | 2000-12-15 | 2005-07-26 | Fist Data Corporation | Systems and methods for ordering and distributing incentive messages |
US7130817B2 (en) | 2000-12-15 | 2006-10-31 | First Data Corporation | Electronic gift linking |
US20020076018A1 (en) | 2000-12-15 | 2002-06-20 | Banks Diane K. | Pre-purchased phone minutes service |
US20020087462A1 (en) | 2000-12-28 | 2002-07-04 | First Data Corporation | Method and system for electronic transfer of funds implementing an automated teller machine in conjunction with a manned kiosk |
US20020087469A1 (en) | 2000-12-28 | 2002-07-04 | Ravi Ganesan | Technique of registration for and direction of electronic payments in real-time |
US20020087463A1 (en) | 2000-12-28 | 2002-07-04 | First Data Corporation | Method and system for authorizing negotiable instrument encashment |
US20020087337A1 (en) | 2000-12-29 | 2002-07-04 | Hensley David W. | System to ensure customer privacy in an e-business |
US20020091573A1 (en) | 2001-01-05 | 2002-07-11 | Hodes Mark B. | Method and apparatus for point of sale activated delivery of products or services |
US20020099601A1 (en) | 2001-01-22 | 2002-07-25 | Mark Farrell | Loyalty-based program for higher education finance assistance |
US20020120514A1 (en) | 2001-02-06 | 2002-08-29 | International Business Machines Corporation | Method, computer system and computer program product for processing customer loyalty data |
JP2002245378A (en) | 2001-02-14 | 2002-08-30 | Hitachi Ltd | Ic card, point service method using ic card, and ic card system |
CA2354372A1 (en) | 2001-02-23 | 2002-08-23 | Efunds Corporation | Electronic payment and authentication system with debit and identification data verification and electronic check capabilities |
US20020120582A1 (en) | 2001-02-26 | 2002-08-29 | Stephen Elston | Method for establishing an electronic commerce account |
US20020123926A1 (en) | 2001-03-01 | 2002-09-05 | Bushold Thomas R. | System and method for implementing a loyalty program incorporating on-line and off-line transactions |
US20020123962A1 (en) | 2001-03-02 | 2002-09-05 | Bryman Evan L. | System and method for providing a reaffirmation credit card including an increasing credit limit |
US7117183B2 (en) | 2001-03-31 | 2006-10-03 | First Data Coroporation | Airline ticket payment and reservation system and methods |
CA2443220A1 (en) | 2001-03-31 | 2002-10-10 | First Data Corporation | Electronic identifier payment system and methods |
US7165052B2 (en) | 2001-03-31 | 2007-01-16 | First Data Corporation | Payment service method and system |
US7103577B2 (en) | 2001-03-31 | 2006-09-05 | First Data Corporation | Systems and methods for staging transactions, payments and collections |
US7103573B2 (en) | 2001-04-02 | 2006-09-05 | Privilegeone Networks, Llc | User rewards program and associated communications system |
US20020147600A1 (en) * | 2001-04-05 | 2002-10-10 | Ncr Corporation | System and method for implementing financial transactions using biometric keyed data |
US6468155B1 (en) | 2001-05-08 | 2002-10-22 | Skillgames, Inc. | Systems and methods to facilitate games of skill for prizes played via a communication network |
EP1399869A4 (en) | 2001-05-14 | 2010-02-10 | Cubic Corp | System enablement of automatic fare collection devices using a network |
US7006632B2 (en) | 2001-05-18 | 2006-02-28 | Payformance Corporation | Check authorization system and method |
IES20010524A2 (en) | 2001-06-01 | 2002-12-11 | Mainline Corporate Holdings | A secure on-line payment system |
US20030195811A1 (en) | 2001-06-07 | 2003-10-16 | Hayes Marc F. | Customer messaging service |
US20030009382A1 (en) | 2001-06-12 | 2003-01-09 | D'arbeloff Matthew A. | Customer identification, loyalty and merchant payment gateway |
CA2452958A1 (en) | 2001-07-05 | 2003-01-16 | Chequepoint Franchise Corporation | Transaction processing system and method |
AU2002327322A1 (en) | 2001-07-24 | 2003-02-17 | First Usa Bank, N.A. | Multiple account card and transaction routing |
JP2003152989A (en) | 2001-09-03 | 2003-05-23 | Canon Inc | Image processing device, image processing method, program, and storage medium |
US8412633B2 (en) | 2002-03-04 | 2013-04-02 | The Western Union Company | Money transfer evaluation systems and methods |
US7769686B2 (en) | 2001-09-18 | 2010-08-03 | The Western Union Company | Method and system for transferring stored value |
US7103576B2 (en) * | 2001-09-21 | 2006-09-05 | First Usa Bank, Na | System for providing cardless payment |
US7054842B2 (en) | 2001-10-03 | 2006-05-30 | First Data Corporation | Stored value cards and methods for their issuance |
US6701216B2 (en) | 2001-10-16 | 2004-03-02 | Pitney Bowas Inc. | Method for printing a manifest or statement of mailing having a pattern that matches a pattern printed on the edges of mail pieces contained in a tray |
US6708176B2 (en) | 2001-10-19 | 2004-03-16 | Bank Of America Corporation | System and method for interactive advertising |
US8374962B2 (en) | 2001-10-26 | 2013-02-12 | First Data Corporation | Stored value payouts |
US8244632B2 (en) | 2001-10-26 | 2012-08-14 | First Data Corporation | Automated transfer with stored value |
US20030168510A1 (en) | 2001-11-01 | 2003-09-11 | Allen R. Kendall | Anonymous electronic bearer instrument method and apparatus |
US6802500B2 (en) | 2001-11-08 | 2004-10-12 | First Data Corporation | Systems and methods of providing inserts into envelopes |
US6670569B2 (en) | 2001-11-08 | 2003-12-30 | First Data Corporation | Mail handling equipment and methods |
US20030163417A1 (en) | 2001-12-19 | 2003-08-28 | First Data Corporation | Methods and systems for processing transaction requests |
ATE479974T1 (en) | 2001-12-26 | 2010-09-15 | Hamafteach Hamistovev Ltd | PROTECTED HOUSING |
US20030120777A1 (en) | 2001-12-26 | 2003-06-26 | First Data Corporation | Forms auditing systems and methods |
US7596529B2 (en) | 2002-02-13 | 2009-09-29 | First Data Corporation | Buttons for person to person payments |
US7424441B2 (en) | 2002-02-19 | 2008-09-09 | First Data Corporation | Systems and methods for integrating loyalty and stored-value programs |
US7620567B2 (en) | 2002-02-19 | 2009-11-17 | First Data Corporation | Systems and methods for operating loyalty programs |
US20030167231A1 (en) | 2002-03-04 | 2003-09-04 | First Data Corporation | Method and system for processing credit card payments |
GB2387929B (en) | 2002-03-18 | 2005-11-16 | Mainline Corporate Holdings | A tax voucher system |
US7487127B2 (en) | 2002-03-27 | 2009-02-03 | First Data Corporation | Merchant cash payment systems and methods |
US8407143B2 (en) | 2002-03-27 | 2013-03-26 | The Western Union Company | International negotiable instrument payment |
US7099878B2 (en) | 2002-04-08 | 2006-08-29 | First Data Corporation | System and method for managing account addresses |
US20030195842A1 (en) * | 2002-04-15 | 2003-10-16 | Kenneth Reece | Method and device for making secure transactions |
US20030212629A1 (en) | 2002-05-07 | 2003-11-13 | King Philip Joseph Benton | Authent-eCard is an implementation of business rules and a rules engine on a portable data device, point-of-sale interface and internet portal to apply predefined rules to the automated approval of financial transactions |
US7014104B2 (en) | 2002-05-31 | 2006-03-21 | First Data Corporation | Gift matching method |
US20030222136A1 (en) | 2002-05-31 | 2003-12-04 | First Data Corporation | Stored value education account |
US6907408B2 (en) | 2002-06-04 | 2005-06-14 | Albert J. Angel | Hierarchical authentication process and system for financial transactions |
US7133844B2 (en) | 2002-06-04 | 2006-11-07 | Bottomline Technologies (De) Inc. | System and method for producing and verifying secure negotiable instruments |
US7558758B2 (en) | 2002-06-26 | 2009-07-07 | International Business Machines Corporation | Business event triggered, policy-driven payment management |
US7898385B2 (en) * | 2002-06-26 | 2011-03-01 | Robert William Kocher | Personnel and vehicle identification system using three factors of authentication |
IES20020579A2 (en) | 2002-07-12 | 2004-01-14 | Mainline Corporate Holdings | Methods and systems for effecting payment card transactions |
WO2004008399A2 (en) | 2002-07-12 | 2004-01-22 | Mainline Corporate Holdings Limited | Methods and systems for effecting payment card transactions |
IES20020712A2 (en) | 2002-09-04 | 2004-03-10 | Mainline Corporate Holdings | A method and system for transferring funds |
US6801833B2 (en) | 2002-09-10 | 2004-10-05 | Pitney Bowes Inc. | Method for maintaining the integrity of a mailing using radio frequency identification tags |
US6911910B2 (en) | 2002-09-10 | 2005-06-28 | Pitney Bowes Inc. | Method for detecting and redirecting misdirected mail |
US6738689B2 (en) | 2002-09-10 | 2004-05-18 | Pitney Bowes Inc. | Method for detecting and redirecting major mailer's special service mail |
AU2003296773A1 (en) * | 2002-09-13 | 2004-04-30 | Datatreasury Corporation | Processing of credit card transactions using internet protocol |
US7069244B2 (en) | 2002-09-17 | 2006-06-27 | First Data Corporation | Method and system for merchant processing of purchase card transactions with expanded card type acceptance |
US20040193487A1 (en) | 2002-10-08 | 2004-09-30 | Coolsavings, Inc. | Secure promotions |
US7083081B2 (en) | 2002-10-08 | 2006-08-01 | First Data Corporation | Electronic card and ticket and methods for their use |
US7319977B2 (en) | 2002-10-08 | 2008-01-15 | First Data Corporation | Discount-instrument methods and systems |
US20040078327A1 (en) | 2002-10-16 | 2004-04-22 | First Data Corporation | Wireless communication device account payment notification systems and methods |
US20040083170A1 (en) | 2002-10-23 | 2004-04-29 | Bam Ajay R. | System and method of integrating loyalty/reward programs with payment identification systems |
US20040098326A1 (en) | 2002-11-01 | 2004-05-20 | First Data Corporation | Stored value currency conversion systems and methods |
US8630946B2 (en) | 2002-11-04 | 2014-01-14 | The Western Union Company | Systems and methods for providing individualized financial access |
US8090594B2 (en) | 2002-11-04 | 2012-01-03 | The Western Union Company | Systems and methods for directing recurring financial transfer operations |
US20040088248A1 (en) | 2002-11-04 | 2004-05-06 | First Data Corporation | Systems and methods for implementing a grace period in electronic transfers |
US7925589B2 (en) | 2002-11-04 | 2011-04-12 | The Western Union Company | Systems and methods for authorizing account access |
US8032452B2 (en) | 2002-11-06 | 2011-10-04 | The Western Union Company | Multiple-entity transaction systems and methods |
US7571140B2 (en) * | 2002-12-16 | 2009-08-04 | First Data Corporation | Payment management |
US7827101B2 (en) | 2003-01-10 | 2010-11-02 | First Data Corporation | Payment system clearing for transactions |
US7003493B2 (en) | 2003-01-22 | 2006-02-21 | First Data Corporation | Direct payment with token |
US20040260607A1 (en) | 2003-01-28 | 2004-12-23 | Robbins Andrew H. | Stored product personal identification system |
US7882021B2 (en) | 2003-01-30 | 2011-02-01 | First Data Corporation | Financial settlement systems and methods |
US20040158521A1 (en) | 2003-02-06 | 2004-08-12 | First Data Corporation | Credit enhancement systems and methods |
US7072868B2 (en) | 2003-02-20 | 2006-07-04 | First Data Corporation | Methods and systems for negotiable-instrument fraud prevention |
US7409358B2 (en) | 2003-02-21 | 2008-08-05 | First Data Corporation | Methods and systems for coordinating a change in status of stored-value cards |
US6761311B1 (en) | 2003-03-21 | 2004-07-13 | First Data Corporation | System and methods for disclosing transaction information to customers |
US8582764B2 (en) | 2003-03-24 | 2013-11-12 | The Western Union Company | Device and method for concealing customer information from a customer service representative |
US7328191B2 (en) | 2003-03-31 | 2008-02-05 | First Data Corporation | Methods and systems for processing unrestricted stored-value instruments |
US20040210521A1 (en) | 2003-04-02 | 2004-10-21 | First Data Corporation | Web-based payment system with consumer interface and methods |
US7523058B2 (en) | 2003-04-07 | 2009-04-21 | Integrated Payment Systems Inc. | Systems and methods for processing negotiable instruments |
US20040210506A1 (en) | 2003-04-21 | 2004-10-21 | First Data Corporation | Systems and methods for directing elective account balances |
US7316350B2 (en) | 2003-04-22 | 2008-01-08 | First Data Corporation | Multi-purse card system and methods |
US20040254833A1 (en) | 2003-06-12 | 2004-12-16 | First Data Corporation | Presentation instrument production systems and methods |
ES2552030T3 (en) | 2003-07-02 | 2015-11-25 | United States Postal Service | System and method for tracking the shipment of items using RFID tags |
US7324641B2 (en) | 2003-09-29 | 2008-01-29 | First Data Corporation | Activating telephone-based services using a POS device |
US7073242B2 (en) | 2003-10-09 | 2006-07-11 | First Data Corporation | Methods for gripping inserts |
US20050107152A1 (en) | 2003-11-14 | 2005-05-19 | First Data Corporation | Stored value lottery card and methods |
US20050108127A1 (en) | 2003-11-14 | 2005-05-19 | First Data Corporation | Stored value lottery card and methods |
US20050125360A1 (en) | 2003-12-09 | 2005-06-09 | Tidwell Lisa C. | Systems and methods for obtaining authentication marks at a point of sale |
US7831519B2 (en) | 2003-12-17 | 2010-11-09 | First Data Corporation | Methods and systems for electromagnetic initiation of secure transactions |
US20050159993A1 (en) | 2004-01-20 | 2005-07-21 | Kordas John J. | System and method of presenting offers by way of a computer network |
US7933907B2 (en) | 2004-02-19 | 2011-04-26 | The Western Union Company | Methods and systems for providing personalized frequently asked questions |
US7711638B2 (en) | 2004-03-17 | 2010-05-04 | The Western Union Company | System and method for transferring money |
US8239319B2 (en) | 2004-03-22 | 2012-08-07 | The Western Union Company | Equipment to facilitate money transfers into bank accounts |
US7104439B2 (en) | 2004-03-23 | 2006-09-12 | First Data Corporation | System and method for preparing RF devices for delivery and verifying delivery information |
US8126785B2 (en) | 2004-06-09 | 2012-02-28 | Syncada Llc | Automated transaction accounting processing engine and approach |
US8818904B2 (en) | 2007-01-17 | 2014-08-26 | The Western Union Company | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
-
2007
- 2007-01-17 US US11/623,956 patent/US8818904B2/en active Active
-
2008
- 2008-01-11 EP EP08756796A patent/EP2127172A2/en not_active Withdrawn
- 2008-01-11 WO PCT/US2008/050902 patent/WO2008089090A2/en active Application Filing
- 2008-01-11 CA CA002675849A patent/CA2675849A1/en not_active Abandoned
- 2008-01-11 CN CN200880008550A patent/CN101636949A/en active Pending
- 2008-01-11 AU AU2008206394A patent/AU2008206394A1/en not_active Abandoned
- 2008-01-11 MX MX2009007653A patent/MX2009007653A/en not_active Application Discontinuation
-
2014
- 2014-06-29 US US14/318,683 patent/US9123044B2/en active Active
-
2015
- 2015-08-05 US US14/818,326 patent/US20150339674A1/en not_active Abandoned
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20060177061A1 (en) * | 2004-10-25 | 2006-08-10 | Orsini Rick L | Secure data parser method and system |
US20060193472A1 (en) * | 2005-01-25 | 2006-08-31 | Yuen Pak K | Secure encryption system, device and method |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US9123044B2 (en) | 2007-01-17 | 2015-09-01 | The Western Union Company | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
Also Published As
Publication number | Publication date |
---|---|
US9123044B2 (en) | 2015-09-01 |
AU2008206394A1 (en) | 2008-07-24 |
US20080169345A1 (en) | 2008-07-17 |
CA2675849A1 (en) | 2008-07-24 |
US8818904B2 (en) | 2014-08-26 |
WO2008089090A3 (en) | 2008-10-30 |
US20140316986A1 (en) | 2014-10-23 |
EP2127172A2 (en) | 2009-12-02 |
US20150339674A1 (en) | 2015-11-26 |
MX2009007653A (en) | 2009-08-17 |
CN101636949A (en) | 2010-01-27 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US9123044B2 (en) | Generation systems and methods for transaction identifiers having biometric keys associated therewith | |
US7933835B2 (en) | Secure money transfer systems and methods using biometric keys associated therewith | |
US10579977B1 (en) | Method and system for controlling certificate based open payment transactions | |
JP5430701B2 (en) | System and method for validating financial instruments | |
US11245513B2 (en) | System and method for authorizing transactions in an authorized member network | |
US20080185429A1 (en) | Authentication Of PIN-Less Transactions | |
JP2006073022A (en) | Method and system for private and secured financial transaction | |
CA2738038A1 (en) | Apparatus and method for preventing unauthorized access to payment application installed in contactless payment device | |
US11494769B2 (en) | System, methods and computer program products for identity authentication for electronic payment transactions | |
RU2577472C2 (en) | Authentication framework extension for verification of identification information | |
KR100372683B1 (en) | User authentification system and the method using personal mobile device | |
US20020156689A1 (en) | System and method for securing transactions between buyer and credit authorizer | |
WO2020215831A1 (en) | Payee identity verification method and device | |
US20080162158A1 (en) | Authentication Services Compensation System | |
US11812260B2 (en) | Secure offline mobile interactions | |
JP2003317015A (en) | Method and system for taking over right for digital contents charging system, purchase control terminal, and authentication charging server | |
WO2005062215A1 (en) | Apparatus for financial account information management and method therefor |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
WWE | Wipo information: entry into national phase |
Ref document number: 200880008550.0 Country of ref document: CN |
|
WWE | Wipo information: entry into national phase |
Ref document number: 2008206394 Country of ref document: AU |
|
WWE | Wipo information: entry into national phase |
Ref document number: 2675849 Country of ref document: CA Ref document number: MX/A/2009/007653 Country of ref document: MX |
|
NENP | Non-entry into the national phase |
Ref country code: DE |
|
ENP | Entry into the national phase |
Ref document number: 2008206394 Country of ref document: AU Date of ref document: 20080111 Kind code of ref document: A |
|
WWE | Wipo information: entry into national phase |
Ref document number: 2008756796 Country of ref document: EP |
|
WWE | Wipo information: entry into national phase |
Ref document number: 1508/MUMNP/2009 Country of ref document: IN |
|
121 | Ep: the epo has been informed by wipo that ep was designated in this application |
Ref document number: 08756796 Country of ref document: EP Kind code of ref document: A2 |