text:
|Publication number
|Publication type
|Application number
|Publication date
|Mar 1, 2011
|Filing date
|Apr 21, 2003
|Priority date
|Mar 25, 2002
|Fee status
|Also published as
|Publication number
|Glenn Cobourm EVERHART
|Original Assignee
|Jpmorgan Chase Bank, N.A
|Export Citation
|BiBTeX, EndNote, RefMan
|Patent Citations (524), Non-Patent Citations (70), Referenced by (24), Classifications (29), Legal Events (3)
|External Links: USPTO, USPTO Assignment, Espacenet
This application is a continuation-in-part application (CIP) of U.S. application Ser. No. 10/105,471 filed Mar. 25, 2002, now abandoned which is incorporated herein by reference in its entirety.
The present invention relates to systems and methods to perform authentication of a transaction between a requesting entity, in particular a customer, and an authenticating authority.
Since the ancient invention of money, problems of counterfeiting have existed. These problems have led to ever more sophisticated measures to make the injection of false tokens, representing value, from successfully being used in a transaction. When in much more recent times credit cards were introduced, such measures were incorporated. For example, in earlier times, only a check digit formed by a secret algorithm was used to validate card numbers, the number space being very sparsely occupied so that the chance of finding a valid card number was relatively low. Then thieves learned how to forge this digit. As a result secret cryptography-based codes were added to the cards and checked by the card issuer when charges to an account were made. These measures have been useful in reducing fraud until recently.
However, with the practice of merchants storing card numbers, including some of the codes, insecurely on the Internet, there have been enough thefts of these numbers so that fraud is becoming an increasingly difficult problem. Such fraud often occurs in cases where the cards are not physically present. Fraud is reduced somewhat where the card is physically present. That is, credit cards contain fraud avoidance devices like holograms which make counterfeiting of physical cards more difficult than counterfeiting numbers off the cards.
Further, rules designed to prohibit storing the secret codes have been ignored, even by large issuers and as a result a new way to prevent fraudulent card use for remote customers is becoming necessary. Smart cards using public key encryption have been introduced, but these have met with little acceptance, due to their need for gadgetry to read them, which is not widely available.
Known techniques in the area of time based codes reach back to ancient times, when the password of the day was common in military camps. The notion of using widely synchronized times to control functions dates at least to the philosophy of Gottfried Liebniz (coinventor of the calculus and a contemporary of Isaac Newton). During World War II, codebooks valid for a particular day were used by both sides. The use of time stamps in computer communication is almost as old as computing. An example of their use in authentication can be found in the Kerberos system (MIT, 1987). Financial transactions have been timestamped to avoid replay problems also.
However, known techniques fail to provide an approach to effectively use the advance of time as an effective authentication mechanism. The present invention addresses the above, as well as other problems, that are present in known techniques.
The systems and methods of the invention provide a technique for authenticating a finance related transaction. The method may include providing a token which contains a token counter, the token counter periodically advancing to generate a changing token value, the token counter being synchronized to a base counter that generates an authenticating value; transforming the token value into a token output sequence using logic; and outputting at least part of the token output sequence to an authenticating authority, the authenticating authority having access to the authenticating value. Further, the method includes the authenticating authority verifying the validity of the transaction based on the token output sequence and the authenticating value, from which the authenticating authority obtains a verification sequence using the logic, the verifying the validity including the authenticating authority comparing the token output sequence to the verification sequence to determine if there is a match between the token output sequence and the verification sequence.
The present invention can be more fully understood by reading the following detailed description together with the accompanying drawings, in which like reference indicators are used to designate like elements, and in which:
Hereinafter, features in accordance with various embodiments of the invention will be described. As used herein, any term in the singular may be interpreted to be in the plural, and alternatively, any term in the plural may be interpreted to be in the singular.
The present invention supplies a display on a consumer device, in accordance with one embodiment of the invention. The display displays an authentication code that varies with time. The "time" is synchronized to a known base time. An authenticating authority, such as the issuer for credit cards for example, can determine whether the correct code is being sent to it for a particular consumer device and for a particular transaction time. The time variability is obscured by a secret process on the consumer device to prevent those not in possession of the secret process from figuring out the code sequence. As a result, the authenticating authority can decide whether the requested transaction comes from a valid source. Because the display number is variable, it cannot be recorded on the Internet or elsewhere in a form useful for theft, save for very limited durations. Further such recorded numbers cannot be used to aid in impersonating a holder of a consumer device, e.g., a credit card, for purposes of identity theft. Widespread use of this invention will make telephone, network, or other remote commerce safer for all involved.
The token, in accordance with one embodiment of the invention, may be issued by an authenticating authority. An "authenticating authority" as used herein means either a central authority or a distributed authority, for example. The authenticating authority is capable of deciding whether to authorize transactions where a token is provided as a way to check the validity of authorizations, i.e., to permit them. The authenticating authority possesses authority to perform transactions in the scope of the invention including authority to effect a payment or authorize some other financial or financial-related transaction
In accordance with one embodiment of the invention, the invention uses what might be characterized as a token. The token is used to indicate authority to perform transactions. The token includes a token clock or token counter that can maintain synchronization with a reference clock, i.e., a base counter, during the lifetime of the token. This synchronization might be maintained to within one or a few times the interval between changes of identifier. In accordance with one embodiment of the invention, this might include a counter which "ticks", i.e., changes value, one or a few times per day, for example.
Further, the token also includes a device or mechanism for performing a secret transform on the clock value. In accordance with one embodiment of the invention, this transformation might also involve some other separately observable attribute of the token, such as the credit card number or a cellular phone number. The token uses the secret transform, which is not available to the token holder, but that is reproducible by an authenticating authority. Further, the secret may be different for every such token so that if one is lost, only its secret is lost and other tokens remain secure. The result of this transform, or part of the result of the transform, is displayed by the token in such a way that the displayed number can be read by a person or device, i.e., whatever might read the token, and transmitted to an authenticating authority. Optionally, such an authority might demand that additional memorized digits or some other identifying indicia be supplied. This other indicia would further preclude use of a stolen token. That is, the token as described herein may be used with any other known authentication technique, as desired.
In accordance with one embodiment of the invention, the invention may be in the form so as to resemble a credit card. In addition to the existing credit card fields, i.e., such as magnetic stripe, for example, the card in accordance with one embodiment of the invention is provided with a small processor and battery. Further, the card includes a display that is visible on the card. The display shows a few digits computed by a secret process on the card. One such implementation might take a secret master key known to the issuer and encrypt the card account number and expiration with this master key. This diversified key then gets stored on the card. Further, it is noted that the diversified key may be different for each card.
As noted above, a clock computes a value that is transformed and then displayed on the token. That is, the token first reads the clock. The clock may be in the form of a counter of some type. For example, the clock for a certain batch of credit cards might advance based on the "hours since midnight on Jan. 1, 2001". Further, the credit cards might be synchronized when issued. In accordance with one embodiment of the invention, the initial value generated by the clock is encrypted with the diversified key.
Further, only the low three decimal digits of the result are displayed on the display, for example, in accordance with one embodiment of the invention. Of course, it is appreciated that any number of digits or selection of digits may be used, as is desired. Physically, the invention will not pose a problem since there currently exists flexible numeric displays much thinner than credit cards. Should power be limited to drive such a display all the time for a few years, a pushbutton or other switch might be present to conserve power.
When the credit card holder of the token of the invention makes a phone purchase or a net purchase, for example, he or she then reads the display, and possibly recites some other digits she is given to retain or memorize, in accordance with one embodiment of the invention. For example, such other digits might be the fixed CVV code (card validation value) on the back of the credit card. The credit card holder then furnishes such information to a merchant. The merchant then sends the information to the issuer, or some other authenticating authority, for validation.
The authenticating authority receives the card number, timestamp of the transaction, the token value and any added data. The authenticating authority then derives the diversified key from the card number and the master secret the particular card holds and/or reads such information from storage. Further, the authenticating authority checks the timestamp supplied for sanity, i.e., performs a crude reasonableness test, and uses the timestamp to derive the expected on-card clock value. The authenticating authority then encrypts this clock value with the diversified key and compares with the value supplied by the customer.
So as to avoid clock drift problems, the authenticating authority may compare adjacent timeslot values for the comparison operation. The authenticating authority then treats these adjacent timeslot values as matches if one of them produces the same code as was reported. The exact number of these comparisons depends on expected maximum clock drift on card over the card lifetime, i.e., two to three years, for example, and may be varied as desired. For example if it is expected the clock might drift under an hour, and the clock changes value at midnight, then transactions after 11 PM might be compared also with the next day's code, and similarly transactions before 1 AM might be compared with the prior day's code. In this way the card user never sees any effects of the clock changing during his transaction.
In accordance with further aspects of the invention, as noted above, a variety of other values may be supplied to a token holder for use in authenticating transactions. These other values can be recorded by the authenticating authority, or alternatively, can be computed by such an operation as encrypting the card number with a second secret key and using part of such resulting number. This additional number is entered when making a transaction, along with the displayed number, by the cardholder. Such added information makes a token less useful to someone who stole the token, as they would have to guess the correct check digits or digits to fool the authenticating authority.
Further, it may be desirable for the values, which the token displays, to be related mathematically to some separate observable about the token, e.g., such as a cellular phone number. For example, a second identifier built into the token may be used mathematically for computation of the value displayed by the display on the token. For tokens of the nature of credit cards, the preferred implementation encrypts the card number. For tokens like cell phones, there is a phone ID number which could be used. Such practice would make it harder to forge tokens and will be found to be of particular use for tokens in which the internal state cannot be hidden well from users, i.e., the internal state meaning a cell phone number, for example. In those cases where the internal state cannot be hidden, it may be desired to use other identifiers, in addition to the token value described herein, in order to gain the added protection against fraud.
As described herein, one embodiment of the invention uses a token resembling a credit card. However, any of a wide variety of tokens may be used. Accordingly, as used herein a "token" means a device which is presented or which bears information which is presented by someone to set up a payment or similarly authorize some financial or financial-related transaction. Accordingly, a token of the invention may be in a wide variety of forms including a token in the form of a credit card, or a gasoline-buying "speedpass," for example. Accordingly, the token in the invention may be in the form of credit card or debit card type device possessing a display to be read by the cardholder, a credit card type device having a magnetic strip, a radio frequency generating device, an infrared signal generating device, an audio signal generating device, a magnetic pattern generating device, and/or other devices for outputting a data signal, i.e., such as a PDA (personal digital assistance) outputting a data signal to a computer or to a cashier, for example.
Further, as described herein, the token of the invention generates a "display." As used herein, a "display" means whatever sends information off the token for authentication checks. For credit card type tokens, the display might be some visible display. For other types of tokens, the display might be a radio or audio signal, or magnetic patterns, for example. Accordingly, a "display" in a token of the invention may illustratively be an LED (light emitting diode), an LCD (liquid crystal display), a magnetic strip, a radio frequency signal, an infrared signal, an audio signal, a magnetic pattern, any other data signal, or any other technique that may be used to convey information from the token to the merchant, and in turn to the authenticating authority, for example. As is appreciated, interim steps may be needed such as a human cardholder reading the token output sequence and inputting the token output sequence into a computer via a keyboard or to a human merchant verbally, for example.
As described in various examples herein, the token of the invention may be used in an interaction between a customer and a merchant. However, the token of the invention may be used in a variety of other situations between any of a wide variety of entities. For example, the treasurer of a corporation might use the token described herein to validate instructions to a bank, i.e., regarding a desired transaction, for example. Accordingly, the token of the invention might be used in conjunction with transactions between two banks or between any other institutions or entities, for example.
The checking is preferably done off the token, although a central authority's processing might be replaced in some cases by some combination of other processing with perhaps other tokens whose trust is established in other ways, e.g., such as biometrics, for example, to allow local checking of such tokens for authenticity. That is, the token of the invention may well be used in conjunction with other authentication checks, such as simply a credit card number, for example; and the authenticating authority may be made up of separate portions so as to collectively perform the verification process.
Hereinafter, further aspects of the systems and methods of the invention will be described with reference to the drawings.
As shown in
To explain further, the token output sequence 130 is generated using a token counter 160. The token counter 160 generates a token value. This token value is output within a token 100 to an encryption portion 170. The encryption portion 170 provides logic to process the token value to result in the token output sequence 130. Both the progression of the token counter 160 as well as the logic used in the encryption portion 170 is known and simulated by a verification or authenticating authority so as to verify a transaction by the holder of the token 100.
The embodiment of
In accordance with one embodiment of the invention, the customer token 100 takes the form of the device shown in
The authenticating authority 300 further includes an input portion 330. The input portion 330 inputs information necessary to verify a transaction performed using the token 100. Illustratively, the input portion 330 inputs a device number from a token, the time the transaction, as well as a token output sequence. The authenticating authority 300 further includes a base counter 350. The base counter 350 outputs an authenticating value based on the transaction time, which is received from the token 100. This authenticating value is created using processing performed in parallel to the token counter 160. Specifically, the base counter 350 simulates the output that the token counter 160 would have generated at the time of the transaction.
Further, the authenticating authority 300 includes an encryption portion 360. The encryption portion 360 calculates a verification sequence in the same secret logic as in the token 100. In the authenticating authority 300, the encryption portion 360 operates in conjunction with the secret logic memory portion 370 to generate the verification sequence. For example, the secret logic memory portion might use the device number to determine which logic to apply to the verification sequence, e.g., using a look-up table, for example.
In accordance with one embodiment of the invention, it is noted that the logic might use the device number in mathematical processing of the authenticating value, or, in the token, the logic might use the device number in mathematical processing of the token value.
Further, the authenticating authority 300 includes a comparison portion 380. The comparison portion 380 uses the verification sequence, which is generated within the authenticating authority 300, and compares such verification sequence with the input "token output sequence," which is input from the token 100.
Returning to
As noted above,
In step 670, as shown in
Alternatively, it may be the situation that in step 670, the token output sequence does not match with the verification sequence. As a result, the processes passes from step 670 to step 680. In step 680, an initial determination is made that the transaction is not authorized. However, this is merely an initial determination. That is, after step 680, the process passes to step 690. In step 690, the process performs alternative processing to further consider the authorization. That is, the process performs further processing to ascertain whether the transaction was indeed a valid transaction.
In step 699, the process may perform a supplemental transaction validation, as is necessary or desired. That is, it is appreciated that there may be other criteria that makes an authenticator decide to allow the transaction or not. For example suppose a transaction is coming supposedly from Seattle and the authenticating authority experienced a transaction, with the same token, from New York 10 minutes ago. The authenticating authority might want to decline this transaction even if the authorization number appeared to be correct. Likewise even if the transaction is not authorized, maybe the issuer will determine the electronics have glitched and he may use other information, ask the merchant for other information, or just warn the merchant and let the merchant decide whether to go ahead anyway, i.e., since the merchant will bear any loss. After step 699, the process passes to step 700. In step 700, the process returns to step 800 of
To explain, the process of
Alternatively, in step 692, the process may have determined that the time of the transaction is not at the beginning of a clock interval. As a result, the process passes to step 694. In step 694, the process, as illustratively performed by the authenticating authority, determines whether the time of the transaction is near the end of a clock interval. If yes, then the process passes from step 694 to step 695. In step 695, the process recalculates the "verification sequence" based on the next base counter setting. Then, the process passes to step 697.
In step 697, the process determines whether the token output sequence input by the customer matches with the recalculated verification sequence. That is, step 697 checks whether the previous or the next clock setting of step 693 and step 695, respectively, result in a match between the token output sequence and the verification sequence. If yes, then the process passes to step 698. That is, if there is indeed a match then the transaction is authorized. After step 698, the process passes to step 698′. Alternatively, in step 697, there may still not be a match between the token output sequence input by the customer and the recalculated verification sequence. As a result, the process passes to step 697′ and the transaction is not authorized. After step 697′, the process passes to step 698′.
As noted above, in step 694 of
In step 698′, the process returns to step 699 and then to step 700 of
In accordance with a further embodiment of the invention,
In accordance with a yet further embodiment of the invention,
The tick reduction portion 864 works off the advancement of the clock 862 to generate the token values. However, the tick reduction portion 864 advances at a much slower rate. For example, for every 12 hours that the clock 862 advances, the tick reduction portion 864 may only advance once. As is noted above, such reduced advancement reduces the effects of clock drift between the token and the authenticating authority.
In accordance with further aspects of the invention, it is appreciated that the token value, the token output sequence, the authenticating value, and the verification sequence, for example, may be numbers, letters, symbols, punctuation and/or any other character set, for example. However, the particular composition of the token value, as well as the corresponding authenticating value, should be such that such values may advance in a routine manner.
As described above, the systems and methods of the invention rely upon time stamping in accordance with embodiments of the invention. Accordingly, a variety of techniques may be used to address different time zones. For example, one time zone may be designated as a standard and all time stamps converted to this standard.
As described above, methods and systems are disclosed which permit tokens used for finance to be checked for authenticity by having the tokens display an authentication code that varies with time, yet can be validated by the token validation authority. Because the authentication code changes, such codes may not readily be stored and stolen, as is a problem in existing codes. The invention reduces fraud for all involved where there is risk that a token might be a forgery.
It will be readily understood by those persons skilled in the art that the present invention is susceptible to broad utility and application. Many embodiments and adaptations of the present invention other than those herein described, as well as many variations, modifications and equivalent arrangements, will be apparent from or reasonably suggested by the present invention and foregoing description thereof, without departing from the substance or scope of the invention.
Accordingly, while the present invention has been described here in detail in relation to its exemplary embodiments, it is to be understood that this disclosure is only illustrative and exemplary of the present invention and is made to provide an enabling disclosure of the invention. Accordingly, the foregoing disclosure is not intended to be construed or to limit the present invention or otherwise to exclude any other such embodiments, adaptations, variations, modifications and equivalent arrangements.
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|Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales information
|Aug 24, 1994
|Sep 17, 1996
|Intermec Corporation
|Apparatus and method for 16-bit and numeric data collection using bar code symbologies
|Feb 16, 1995
|Oct 8, 1996
|Tamura Electric Works, Ltd
|Pay phone call control apparatus for allowing calls using pre-paid cards
|Feb 23, 1995
|Oct 15, 1996
|Powersoft Corporation
|Method for forming a reusable and modifiable database interface object
|Apr 17, 1995
|Oct 22, 1996
|Empire Blue Cross/Blue Shield
|Method and apparatus for processing data received at a remote workstation
|Jul 27, 1995
|Dec 10, 1996
|Huntington Bancshares, Inc.
|Mechanism for expediting the deposit, transport and submission of checks into the payment system
|Aug 5, 1994
|Dec 10, 1996
|Mark; Andrew R.
|Method and apparatus for the secure communication of data
|May 2, 1994
|Dec 17, 1996
|Wallerstein; Robert S.
|Programmable credit card
|Jun 20, 1994
|Dec 31, 1996
|Pitroda; Satyan G.
|Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
|Aug 19, 1994
|Jan 7, 1997
|Andersen Consulting Llp
|Computerized order entry system and method
|Feb 8, 1996
|Jan 7, 1997
|International Business Machines Corporation
|Authentication system using one-time passwords
|Nov 21, 1994
|Mar 18, 1997
|International Business Machines Corporation
|Generic disinfection of programs infected with a computer virus
|Feb 5, 1996
|Apr 15, 1997
|Visa International
|Automated purchasing control system
|Aug 22, 1995
|Jun 17, 1997
|Davox Corporation
|Data processing system with automated at least partial forms completion
|Jun 3, 1994
|Jul 15, 1997
|Midwest Payment Systems
|System and method for paying bills and other obligations including selective payor and payee controls
|May 27, 1994
|Jul 15, 1997
|Lucent Technologies Inc.
|Smart card with multiple charge accounts and product item tables designating the account to debit
|Feb 22, 1995
|Jul 22, 1997
|Electronic Data Systems Corporation
|System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds
|May 16, 1996
|Jul 29, 1997
|Automated interactive bill payment system
|Jul 24, 1995
|Aug 19, 1997
|Citibank. N.A.
|Customer-directed, automated process for transferring funds between accounts via a communications network
|Apr 27, 1995
|Aug 19, 1997
|Credit Verification Corporation
|Check transaction processing, database building and marketing method and system utilizing automatic check reading
|Aug 18, 1995
|Aug 26, 1997
|International Business Machines Corporation
|Authentication system using one-time passwords
|Jun 29, 1995
|Oct 14, 1997
|Garrou; Elizabeth B.
|Personal identification and credit information system and method of performing transaction
|Apr 7, 1995
|Oct 14, 1997
|Financial Services Technology Consortium
|Electronic funds transfer instruments
|Dec 2, 1994
|Oct 21, 1997
|Telecheck International, Inc.
|Methods and systems for interactive check authorizations
|Dec 1, 1995
|Oct 21, 1997
|Telecheck International, Inc.
|Transaction system with on/off line risk assessment
|Apr 28, 1995
|Oct 21, 1997
|Kasten Chase Applied Research Limited
|Passive transponder
|Jun 7, 1995
|Nov 25, 1997
|Mastercard International, Inc.
|System and method for conducting cashless transactions on a computer network
|Oct 6, 1995
|Dec 16, 1997
|Mitsubishi Denki Kabushiki Kaisha
|Method and system for identifying and communicating with a plurality of contactless IC cards
|Oct 31, 1995
|Dec 16, 1997
|Mastercard International, Inc.
|System and method for bill delivery and payment over a communications network
|Jun 30, 1995
|Dec 30, 1997
|Visa International Service Association
|Electronic funds confirmation at point of transaction
|May 31, 1995
|Jan 13, 1998
|Transaction authorization and alert system
|Jun 7, 1995
|Jan 20, 1998
|Citibank, N.A.
|Interface device for electronically integrating global financial services
|Jan 22, 1997
|Feb 3, 1998
|Automated interactive bill payment system using debit cards
|Oct 24, 1994
|Feb 3, 1998
|Open Market, Inc.
|Network sales system
|May 30, 1995
|Feb 3, 1998
|Amazon.Com, Inc.
|Secure method and system for communicating a list of credit card numbers over a non-secure network
|Sep 13, 1995
|Feb 24, 1998
|Microsoft Corporation
|Authentication system and method for smart card transactions
|Sep 18, 1995
|Mar 3, 1998
|Telefonaktiebolaget Lm Ericsson
|Method and apparatus for user authentication
|Nov 29, 1995
|Mar 3, 1998
|Open Market, Inc.
|Digital active advertising
|Apr 1, 1996
|Mar 10, 1998
|Pollin; Robert E.
|Automated payment system and method
|Apr 9, 1997
|Mar 24, 1998
|Realsource Communications, Inc.
|Merchant specific debit card verification system
|Sep 3, 1996
|Mar 31, 1998
|Motorola, Inc.
|Smart card with Iintegrated reader and visual image display
|Mar 22, 1996
|Apr 7, 1998
|System for controlling access to a function having clock synchronization
|Jun 7, 1996
|Apr 28, 1998
|Smart Tone Authentication, Inc.
|System and method using personal identification numbers and associated prompts for controlling unauthorized use of a security device and unauthorized access to a resource
|Nov 14, 1994
|May 5, 1998
|Daggar; Robert N.
|Multimedia electronic wallet with generic card
|Jun 14, 1994
|May 5, 1998
|Stolfo; Salvatore J.
|Method and apparatus for imaging, image processing and data compression
|Aug 4, 1997
|Jun 9, 1998
|Trimble Navigation Limited
|Image authentication patterning
|Jul 2, 1996
|Jun 23, 1998
|Ncr Corporation
|Access card for multiple accounts
|Sep 1, 1994
|Aug 4, 1998
|Marshall; Marvin E.
|Telephone travel card system under the control of its customers
|Jun 11, 1996
|Aug 11, 1998
|Executone Information Systems, Inc.
|Transaction processing system and method
|Jul 7, 1995
|Aug 11, 1998
|Egendorf; Andrew
|Internet billing method
|Nov 14, 1996
|Aug 18, 1998
|International Business Machines Corporation
|System and method for near-field human-body coupling for encrypted communication with identification cards
|Mar 22, 1996
|Sep 1, 1998
|System for controlling access to a function, using a plurality of dynamic encryption variables
|Jan 11, 1996
|Sep 1, 1998
|Comesanas; Jorge
|Computer-aided prepaid transmittal charge billing system
|Mar 18, 1997
|Sep 8, 1998
|Tokenless identification of individuals
|Jun 12, 1995
|Oct 6, 1998
|Carreker-Antinori, Inc.
|System and method for providing advance notification of potential presentment returns due to account restrictions
|Feb 24, 1997
|Oct 20, 1998
|Voith Sulzer Papiermaschinen Gmbh
|Wound roll support in a web winding machine
|Jun 7, 1996
|Oct 20, 1998
|Smart Tone Authentication, Inc.
|Information storage device for storing personal identification information
|Sep 16, 1994
|Oct 20, 1998
|First Virtual Holdings Incorporated
|Computerized system for making payments and authenticating transactions over the internet
|Mar 20, 1995
|Oct 20, 1998
|Sandberg-Diment; Erik
|Providing verification information for a transaction
|Aug 10, 1995
|Nov 3, 1998
|Hid Corporation
|Radio frequency transponder stored value system employing a secure encryption protocol
|Nov 13, 1995
|Nov 3, 1998
|International Business Machines Corporation
|Propagating plain-text passwords from a main registry to a plurality of foreign registries
|Jun 2, 1995
|Nov 3, 1998
|International Business Machines Corporation
|Method and system for bill presentation and payment reconciliation
|Mar 28, 1996
|Nov 3, 1998
|Electronic Data Systems Corporation
|Automated system and method for checkless check transaction
|Aug 21, 1996
|Nov 3, 1998
|Image Data, Llc
|System and method for efficiently processing payments via check and electronic funds transfer
|Sep 23, 1996
|Nov 10, 1998
|Ncr Corporation
|Financial transaction system
|Jul 25, 1996
|Nov 17, 1998
|Smarttouch, Llc
|Tokenless biometric transaction authorization system
|Nov 13, 1995
|Nov 17, 1998
|International Business Machines Corporation
|Configurable password integrity servers for use in a shared resource environment
|Aug 23, 1995
|Dec 22, 1998
|Microsoft Corporation
|Billing system for a network
|Sep 28, 1995
|Jan 12, 1999
|Sol H. Wynn
|Programmable multiple company credit card system
|Nov 13, 1995
|Jan 19, 1999
|International Business Machines Corporation
|Retrieving plain-text passwords from a main registry by a plurality of foreign registries
|Sep 11, 1995
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|At&T Corp.
|Method for establishing customized billing arrangements for a calling card in a telecommunications network
|Oct 7, 1997
|Feb 9, 1999
|Telepay, Inc.
|Automated interactive bill payment system using debit cards
|Oct 15, 1996
|Feb 9, 1999
|Affinity Technology Group, Inc.
|System and method for real time loan approval
|Aug 29, 1996
|Feb 9, 1999
|Pare, Jr.; David Ferrin
|Tokenless biometric transaction authorization method and system
|Aug 11, 1995
|Feb 9, 1999
|Wachovia Corporation
|High volume financial image media creation and display system and method
|Oct 8, 1997
|Feb 16, 1999
|America Online, Inc.
|Authentication using random challenges
|Jan 13, 1995
|Feb 16, 1999
|Checkfree Corporation
|System and method for electronically providing customer services including payment of bills, financial analysis and loans
|Jul 20, 1994
|Mar 9, 1999
|Fujitsu Limited
|System for creating virus diagnosing mechanism, method of creating the same, virus diagnosing apparatus and method therefor
|Sep 24, 1997
|Mar 16, 1999
|Microsoft Corporation
|Electronic online commerce card with transactionproxy number for online transactions
|Dec 9, 1996
|Mar 16, 1999
|Sun Microsystems, Inc.
|Method and system for electronic bill payment
|Oct 2, 1997
|Mar 23, 1999
|System and method for user authentication having clock synchronization
|May 30, 1997
|Apr 27, 1999
|Capital Security Systems, Inc.
|Automated document cashing system
|Dec 27, 1996
|May 4, 1999
|Gemplus Card International
|Smart cards, systems using smart cards and methods of operating said cards in systems
|Jun 5, 1997
|May 11, 1999
|Intuit, Inc.
|Personal online banking with integrated online statement and checkbook user interface
|May 28, 1996
|May 25, 1999
|Kelsey; Craig E.
|Fraud resistant personally activated transaction card
|Oct 7, 1996
|Jul 6, 1999
|Visa International Service Association
|Electronic bill pay system
|Jul 11, 1996
|Jul 27, 1999
|Huntington Bancshares Incorporated
|System for expediting the clearing of financial instruments and coordinating the same with invoice processing at the point of receipt
|Oct 2, 1997
|Aug 10, 1999
|System and method for user authentication employing dynamic encryption variables
|Oct 15, 1996
|Aug 17, 1999
|Affinity Technology Group, Inc.
|Closed loop financial transaction method and apparatus
|May 5, 1995
|Aug 17, 1999
|The Chase Manhattan Bank, Na
|Method and apparatus for displaying electronic image of a check
|Dec 3, 1997
|Aug 24, 1999
|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
|Jun 26, 1997
|Aug 31, 1999
|Walker Asset Management Limited Partnership
|System and method for establishing and executing functions to affect credit card accounts and transactions
|Oct 9, 1996
|Sep 14, 1999
|Fleming; Stephen S.
|Children's credit or debit card system
|Jun 17, 1997
|Oct 5, 1999
|Citicorp Development Center, Inc.
|Method and system for transferring funds from an account to an individual
|Oct 8, 1997
|Oct 5, 1999
|Visa International Service Association
|Electronic statement presentment system
|Apr 1, 1996
|Oct 12, 1999
|Pollin; Robert E.
|Automated payment system and method
|Nov 21, 1997
|Nov 2, 1999
|Craig Michael Watson
|Integrated bill consolidation, payment aggregation, and settlement system
|Oct 24, 1997
|Nov 23, 1999
|Ge Capital
|System and method for pre-authorization of individual account transactions
|Mar 6, 1998
|Dec 7, 1999
|Walker Asset Management Limited
|Method and system for controlling authorization of credit card transactions
|Dec 24, 1996
|Dec 7, 1999
|Compaq Computer Corporation
|Remote financial transaction system
|Sep 24, 1997
|Dec 14, 1999
|Microsoft Corporation
|Electronic online commerce card with customer generated transaction proxy number for online transactions
|Jul 26, 1994
|Dec 21, 1999
|Fujitsu Limited
|Transaction terminal for an electronic cashless system
|Oct 8, 1997
|Dec 28, 1999
|Caere Corporation
|Computer-based document management system
|Jan 16, 1998
|Jan 18, 2000
|International Business Machines Corporation
|Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security
|Oct 27, 1997
|Feb 1, 2000
|Northern Telecom Limited
|System for controlling usage of phone debit cards
|Jun 22, 1998
|Feb 29, 2000
|Austin; Frank
|User-Specified credit card system
|Jun 19, 1997
|Mar 21, 2000
|Autoscribe Corporation
|Automated payment system and method
|Aug 20, 1997
|Mar 28, 2000
|Koninklijke Ptt Nederland N.V.
|Authentication system wherein definition signals of two devices are altered, communicated between the two devices, and compared
|Jun 16, 1997
|Mar 28, 2000
|Picciallo; Michael J.
|Third party credit card
|Feb 2, 1998
|Apr 4, 2000
|Alfi S.R.L.
|Prepaid or stored-value card with means for preventing useful fraudulent alteration
|Jun 29, 1998
|May 23, 2000
|Cardis Enterprise International N.V.
|Processing system and method for a heterogeneous electronic cash environment
|Dec 5, 1997
|May 30, 2000
|Shaw; Venson M.
|Electronic transaction system for banking, security, and/or charge card
|Jul 16, 1997
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|Gilbarco Inc.
|Cryptography security for remote dispenser transactions
|Aug 21, 1996
|Jul 11, 2000
|Jalili; Reza
|Secure purchase transaction method using telephone number
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|International Business Machines Corporation
|Apparatus and methods for providing repetitive enrollment in a plurality of biometric recognition systems based on an initial enrollment
|Dec 22, 1997
|Aug 15, 2000
|Motorola Inc
|Transaction authentication for 1-way wireless financial messaging units
|Jan 7, 1998
|Sep 12, 2000
|Lockheed Martin Corporation
|Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange
|Feb 18, 1997
|Sep 19, 2000
|Protech Video Security, Inc.
|Identification verification apparatus and method
|Jun 7, 1996
|Nov 7, 2000
|Weiss Jensen Ellis & Howard
|Handheld remote computer control and methods for secured interactive real-time telecommunications
|Aug 28, 1997
|Dec 19, 2000
|Walker Digital, Llc
|Method and device for generating a single-use financial account number
|Dec 23, 1997
|Jan 2, 2001
|Arcot Systems, Inc.
|Method and apparatus for cryptographically camouflaged cryptographic key storage, certification and use
|Mar 30, 1998
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|International Business Machines Corporation
|System and method for building and exchanging encrypted passwords between a client and server
|Oct 28, 1998
|Feb 6, 2001
|American Express Travel Related Services Company, Inc.
|Systems and methods for authorizing a transaction card
|Jun 3, 1998
|Feb 6, 2001
|U.S. Philips Corporation
|Authentication system
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|Feb 13, 2001
|At&T Corp
|Method and apparatus for minimizing credit card fraud
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|Feb 20, 2001
|Smarttouch, Inc.
|Tokenless biometric electronic stored value transactions
|Apr 13, 1998
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|Compaq Computer Corporation
|Method for selectively restricting access to computer systems
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|Arcot Systems, Inc.
|Method and apparatus for secure entry of access codes in a computer environment
|May 9, 1996
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|Smartmove, Ltd.
|Card interface for interfacing a host application program to data storage cards
|Apr 28, 1998
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|International Business Machines Corporation
|Method and apparatus for recognizing identity of individuals employing synchronized biometrics
|May 10, 1999
|May 8, 2001
|First Usa Bank, Na
|Cardless payment system
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|Jul 17, 2001
|Arcot Systems, Inc.
|Method and apparatus for secure distribution of authentication credentials to roaming users
|Jan 29, 1999
|Jul 31, 2001
|Veristar Corporation
|Tokenless biometric electronic debit and credit transactions
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|Aug 28, 2001
|Visa International Service Association
|Internet payment system using smart card
|Feb 18, 1998
|Oct 16, 2001
|Industrial Automation Integrators (I.A.I.) B.V.
|Document made fraud-proof by an irreversibly distortable weakening pattern
|Feb 18, 2000
|Oct 23, 2001
|Portable electronic device for safe communication system, and method for initializing its parameters
|May 11, 1998
|Nov 13, 2001
|Diebold, Incorporated
|Transaction apparatus and method
|Jan 29, 1999
|Nov 13, 2001
|International Business Machines Corporation
|Biometric authentication system with encrypted models
|Jan 15, 1999
|Nov 27, 2001
|D'agostino John
|System and method for performing secure credit card purchases
|Sep 12, 1997
|Jan 8, 2002
|Oki Electric Industry Co., Ltd.
|Electronic transaction system
|Mar 5, 1997
|Jan 8, 2002
|Walker Digital, Llc
|User-generated traveler's checks
|Jan 11, 2001
|Jan 29, 2002
|First Usa Bank, Na
|Cardless payment system
|Apr 19, 2000
|Mar 26, 2002
|Cambridge Consultants Limited
|Portable cards
|Oct 30, 1998
|Apr 2, 2002
|Indivos Corporation
|Tokenless electronic transaction system
|Mar 15, 1999
|Apr 16, 2002
|Activcard Ireland, Limited
|Corrective optical component
|Aug 2, 1999
|Apr 16, 2002
|Walker Digital, Llc
|Method, apparatus and program for customizing credit accounts
|Sep 10, 1998
|May 7, 2002
|Giesecke & Devrient Gmbh
|Security element and method for producing same
|Nov 22, 1999
|Jun 25, 2002
|International Business Machines Corporation
|Methods and apparatus for correlating biometric attributes and biometric attribute production features
|Aug 2, 2001
|Jul 16, 2002
|Welcome Real-Time
|Apparatus and method for processing coded information stored on an integrated circuit card
|Oct 16, 2000
|Jul 23, 2002
|Koninklijke Philips Electronics N.V.
|Chip card
|Dec 23, 1999
|Aug 6, 2002
|Activcard Ireland, Limited
|Imaging device, especially for optical fingerprinting
|Sep 22, 1999
|Aug 13, 2002
|Activcard Ireland Limited
|Method of providing secure user access
|Sep 20, 1999
|Sep 3, 2002
|Activcard Ireland Limited
|Method for securing communication by selecting an encoding process using a first computer based upon ability of a second computer and deleting the process thereafter
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|Dec 24, 2002
|Activcard Ireland Limited
|Biometric security encryption system
|Jun 8, 1999
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|Worldcom, Inc.
|Pre-paid telephone calling card linked to a stored value account
|Jan 27, 1999
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|International Business Machines Corporation
|Protection of biometric data via key-dependent sampling
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|Mar 4, 2003
|Intermec Ip Corp.
|Automatic payment system for a plurality of remote merchants
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|Mar 25, 2003
|Ncr Corporation
|Write input credit transaction apparatus and method with paperless merchant credit card processing
|Mar 27, 2002
|May 6, 2003
|Xtreme Traffic Builders, Inc.
|Promotional mailing device
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|Jun 17, 2003
|International Business Machines Corporation
|System and method for compressing biometric models
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|Jacob Y. Wong
|Anonymous electronic card for generating personal coupons useful in commercial and security transactions
|Sep 21, 2000
|Aug 26, 2003
|Privasys, Inc.
|Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions
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|Aug 26, 2003
|Richard P. Sehr
|Travel system and methods utilizing multi-application traveler cards
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|Sep 2, 2003
|Fuji Xerox Co., Ltd.
|Device and method for authenticating user's access rights to resources
|Dec 6, 2000
|Oct 14, 2003
|Bank One, Delaware, National Association
|Selectable multi-purpose card
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|Nov 4, 2003
|International Business Machines Corporation
|Secure credit card
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|Nov 18, 2003
|International Business Machines, Corp.
|Authentication framework for multiple authentication processes and mechanisms
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|Dec 23, 2003
|Tsunami Security, Inc.
|Verification of identity of participant in electronic communication
|Dec 13, 2002
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|American Express Travel Related Services Company, Inc.
|System and method for selecting an account
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|Feb 17, 2004
|Frederick D. Noyes
|Autograph verification and authentication system
|Jul 5, 1999
|Feb 17, 2004
|Deutsche Telekom Ag
|Electronic identification tag
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|Feb 24, 2004
|International Business Machines Corporation
|Biometric based multi-party authentication
|Aug 21, 2001
|Mar 16, 2004
|Kookmin Credit Card Co., Ltd.
|System and method for providing tourism service using RF IC card, and storage medium for storing tourism service algorithm thereof
|Feb 28, 2002
|Apr 27, 2004
|Giesecke & Devrient Gmbh
|Security device and method for producing it
|Nov 5, 2002
|Apr 27, 2004
|Guy M. Kelly
|Anti-tear protection for smart card transactions
|Feb 19, 2002
|May 11, 2004
|Hewlett-Packard Development Company, L.P.
|System and method for using a multiple-use credit card
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|May 11, 2004
|International Business Machines Corporation
|Methods and apparatus for restricting access of a user using random partial biometrics
|Nov 13, 1996
|May 25, 2004
|Lucent Technologies Inc.
|Distributed protocol for secure communication of commercial transactions and decentralized network employing the protocol
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|William O. Bozeman
|Universal positive pay match, authentication, authorization, settlement and clearing system
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|Jul 20, 2004
|American Express Travel Related Services Company, Inc.
|Transaction card
|Apr 25, 2001
|Sep 21, 2004
|Mastercard International Incorporated
|Financial transaction card with installment loan feature
|Jun 16, 2000
|Sep 21, 2004
|Dacom Cyberpass Inc.
|Electronic payment system using multifunctional prepaid cards and method of selling prepaid cards
|Sep 7, 2000
|Oct 12, 2004
|Canon Kabushiki Kaisha
|User customizable secure access token and multiple level portable interface
|Sep 21, 2001
|Oct 19, 2004
|Larry Routhenstein
|Method for generating customer secure card numbers subject to use restrictions by an electronic card
|May 23, 2002
|Oct 19, 2004
|Eduardo Noriega
|Prepaid card payment system and method for electronic commerce
|Oct 13, 2000
|Nov 16, 2004
|International Business Machines Corporation
|Method for biometric-based authentication in wireless communication for access control
|Dec 24, 2003
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|American Express Travel Related Services Company, Inc.
|System and method for selecting financial services
|Nov 25, 2002
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|Mastercard International
|Method and system for conducting transactions using a payment card with two technologies
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|Arcot Systems, Inc.
|Method and system for secure authenticated payment on a computer network
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|Arcot Systems, Inc.
|One-time credit card number generator and single round-trip authentication
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|Citicorp Development Center, Inc.
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|Arcot Systems, Inc.
|Efficient computational techniques for authorization control
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|Cdck Corporation
|Payment instrument authorization technique
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|Systemneeds Inc.
|Memory rental service system in intelligent authentication unit
|Jan 31, 2003
|Aug 30, 2005
|First Data Corporation
|ABDS system and verification status for authenticating entity access
|Nov 22, 2001
|Sep 13, 2005
|Sony Corporation
|Noncontact IC card
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|Sep 27, 2005
|First Data Corporation
|ABDS method utilizing security information in authenticating entity access
|Dec 27, 2000
|Oct 18, 2005
|Arcot Systems, Inc.
|Computer readable medium having a private key encryption program
|Aug 11, 1999
|Oct 18, 2005
|International Business Machines Corporation
|Method and apparatus for secure authorization and identification using biometrics without privacy invasion
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|First Data Corporation
|Person-centric account-based digital signature system
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|Jan 3, 2006
|Arcot Systems, Inc.
|Methods for pre-authentication of users using one-time passwords
|Apr 23, 2002
|Feb 14, 2006
|Mastercard International Incorporated
|System and method for using a prepaid card
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|Nds Limited
|Portable transaction device
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|Arcot Systems, Inc.
|Size-dependent hashing for credit card verification and other applications
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|Yahoo! Inc.
|Systems and methods for implementing person-to-person money exchange
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|International Business Machines Corporation
|Secure encryption of data packets for transmission over unsecured networks
|Aug 27, 1999
|May 23, 2006
|Citibank, N.A.
|System and method for merchant function assumption of internet checking and savings account transactions
|Jun 12, 2003
|May 23, 2006
|Cardinalcommerce Corporation
|Universal merchant platform for payment authentication
|Oct 18, 2004
|May 30, 2006
|Gongling Li
|Secure credit card having daily changed security number
|Oct 3, 2001
|May 30, 2006
|First Data Corporation
|Stored value cards and methods for their issuance
|Dec 15, 2004
|Jul 4, 2006
|American Express Travel Related Services Company, Inc.
|Foldable transaction cards and methods of making the same
|Feb 20, 2003
|Jul 4, 2006
|Bank One Deleware, N.A.
|Customer activated multi-value (CAM) card
|Dec 11, 2001
|Jul 25, 2006
|Karyn Elaine Anderson
|Method of using prepaid cash card for making purchases on the world wide web
|Nov 9, 2001
|Aug 15, 2006
|First Data Corporation
|Electronic identifier payment system and methods
|Aug 9, 2001
|Aug 15, 2006
|Hillhouse Robert D
|Method for supporting dynamic password
|Sep 21, 2001
|Aug 29, 2006
|Jpmorgan Chase Bank, N.A.
|Methods for providing cardless payment
|Sep 21, 2001
|Sep 5, 2006
|First Usa Bank, Na
|System for providing cardless payment
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|Sep 12, 2006
|First Data Corporation
|Electronic identifier payment systems and methods
|Aug 22, 2002
|Sep 26, 2006
|Arcot Systems, Inc.
|Enhancements to multi-party authentication and other protocols
|Mar 2, 2001
|Nov 21, 2006
|Cardinalcommerce Corporation
|Centralized identity authentication for electronic communication networks
|Apr 25, 2003
|Dec 12, 2006
|Intertrust Technologies Corp.
|Establishing a secure channel with a human user
|May 13, 2003
|Jan 16, 2007
|Jpmorgan Chase Bank N.A.
|Selectable multi-purpose card
|Oct 31, 2002
|Jan 16, 2007
|Jpmorgan Chase Bank, N.A.
|Sponsor funded stored value card
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|Arcot Systems, Inc.
|Efficient techniques for sharing a secret
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|Feb 20, 2007
|Arcot Systems, Inc.
|Apparatus for pre-authentication of users using one-time passwords
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|Jpmorgan Chase Bank, N.A.
|Selectable multi-purpose card
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|Mar 27, 2007
|Privasys, Inc.
|Method for generating customer secure card numbers
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|American Express Travel Related Services Company, Inc.
|Stored value transaction system including an integrated database server
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|American Express Travel Related Services Company, Inc.
|System and method for remotely initializing a RF transaction
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|Event reporting between a reporting computer and a receiving computer
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|Paybyclick Corporation
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|Aug 7, 2007
|Singhal Tara C
|Method and apparatus for an integrated identity security and payment system
|Nov 5, 2002
|Sep 11, 2007
|Infineon Techonologies Ag
|Smart card containing a carrier body for receiving at least one system component having a plurality of electrical components and uniting electrical functions for operating the smart card
|Apr 19, 2002
|Sep 18, 2007
|Jpmorgan Chase Bank, N.A.
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|Jan 6, 2005
|Oct 30, 2007
|Mastercard International Incorporated
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|Apr 4, 2006
|Dec 11, 2007
|Jpmorgan Chase Bank, N.A.
|System and method for funding a collective account by use of an electronic tag
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|Jpmorgan Chase Bank, N.A.
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|The Western Union Company
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|Jpmorgan Chase Bank, N.A.
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|Auditing secret key cryptographic operations
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|James Roskind
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|May 24, 2001
|Gould David B.
|Prepaid cash equivalent card and system
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|Symantec Corporation
|System for supporting secured log-in of multiple users into a plurality of computers using combined presentation of memorized password and transportable passport record
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|Dec 1, 2000
|Oct 18, 2001
|Davor Runje
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|System and method for account reconciliation
|Nov 13, 2001
|Apr 18, 2002
|Cardinalcommerce Corporation
|Secure and efficient payment processing system
|Oct 31, 2001
|May 23, 2002
|Behrenbrinker Anita M.
|Systems and methods for the processing of financial transactions
|Jan 21, 1999
|May 30, 2002
|Joseph C. Kawan
|Method and system for tracking smart card loyalty points
|Feb 23, 1999
|Jun 6, 2002
|Kirk W. Beach
|Method and apparatus for generating personal identification numbers for use in consumer transactions
|Nov 20, 2001
|Jun 13, 2002
|Gero Offer
|Configuration and method for increasing the prepaid amount associated with an electronic prepaid account
|Jan 9, 2001
|Jul 11, 2002
|Turock David L.
|Method and system for linking prepaid cards and calls using those cards to paying for content and other services over the internet
|Jan 11, 2001
|Jul 11, 2002
|Level Z, L.L.C.
|System and method providing stored value payment in multiple level enterprise
|Jan 23, 2001
|Jul 25, 2002
|Diamandis Peter H.
|Mehtod and apparatus for making purchases over the internet using pre-paid cards
|Feb 14, 2001
|Aug 15, 2002
|Cotton Clifford E.
|Apparatus and method for adjusting the pre-load of a spring
|Feb 12, 2001
|Aug 15, 2002
|Chenevich William L.
|Payment management
|Feb 21, 2001
|Aug 22, 2002
|Hed Aharon Zeev
|Wireless communicating credit card
|Aug 7, 2001
|Aug 29, 2002
|Lynne Biggar
|Online card activation system and method
|Feb 25, 2002
|Aug 29, 2002
|Stewart Whitney Hilton
|Electronic payment and authentication system with debit and identification data verification and electronic check capabilities
|Jul 10, 2001
|Sep 12, 2002
|Kranzley Arthur D.
|Method and system for conducting secure electronic commerce transactions with authorization request data loop-back
|Aug 21, 2001
|Oct 3, 2002
|Park Hong Joo
|System and method for providing tourism service using RF IC card, and storage medium for storing tourism service algorithm thereof
|Apr 10, 2001
|Oct 10, 2002
|Seamus Carroll
|Apparatus and method for selling lottery tickets at fuel dispensers
|Apr 6, 2001
|Oct 10, 2002
|Anthony Capobianco
|Method for purchasing web based digital media
|Apr 5, 2001
|Oct 10, 2002
|Davis Dustin M.
|Method and system for consummating a transaction in a biometric verification system based on prior transactional histories
|Oct 26, 2001
|Oct 17, 2002
|First Data Corporation
|Automated transfer with stored value fund
|Oct 26, 2001
|Oct 31, 2002
|First Data Corporation
|Money order debit from stored value fund
|Mar 29, 2002
|Nov 14, 2002
|First Data Corporation
|Electronic identifier payment systems and methods
|Oct 19, 2001
|Nov 21, 2002
|Praisner C. Todd
|Dynamic payment cards and related management systems and associated methods
|May 25, 2001
|Nov 28, 2002
|Kelly Gravelle
|Community concept for payment using RF ID transponders
|Aug 20, 2002
|Dec 19, 2002
|Anvekar Dinesh Kashinath
|Anonymous redemption and stored value system and method
|May 23, 2002
|Dec 19, 2002
|Chris Hobbs
|System and method for a prepaid card issued by a foreign financial institution
|Jun 26, 2002
|Dec 26, 2002
|Michener John R.
|Transaction verification system and method
|Jul 11, 2001
|Jan 16, 2003
|Ri-Ju Ye
|Chip-base plastic currency with cash amount loading function
|Jul 27, 2001
|Jan 30, 2003
|Dodds Matthew Kevin
|Light curtain repeater system and method of operation
|Aug 8, 2002
|Feb 13, 2003
|Ken Mages
|System and method for using a smart card for wireless or wired remote gaming activities
|Mar 19, 2002
|Feb 13, 2003
|John Wankmueller
|Method and system for making small payments using a payment card
|Sep 21, 2001
|Feb 20, 2003
|Larry Routhenstein
|Method for generating customer secure card numbers subject to use restrictions by an electronic card
|Aug 9, 2001
|Feb 20, 2003
|Hillhouse Robert D.
|Method for supporting dynamic password
|Dec 27, 2001
|Feb 27, 2003
|Fujitsu Limited
|System, method and apparatus for change management, cash dispenser for use with the system/apparatus, and computer-readable medium containing change management program
|Sep 18, 2001
|Mar 20, 2003
|First Data Corporation
|Method and system for transferring stored value
|Oct 31, 2002
|Mar 20, 2003
|Bank One Corporation
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|Sep 21, 2001
|Mar 27, 2003
|Larry Routhenstein
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|Oct 3, 2001
|Apr 3, 2003
|First Data Corporation
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|Dec 22, 2000
|May 1, 2003
|Petter Ericson
|Information management system with authenticity check
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|May 8, 2003
|David W. Andrews
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|May 8, 2003
|International Business Machines Corporation
|Secure credit card
|Jan 7, 2003
|Jun 5, 2003
|Melissa Alarcon-Luther
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|Nov 25, 2002
|Jul 3, 2003
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|Jul 26, 2002
|Jul 10, 2003
|First Data Corporation
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|Jul 10, 2003
|First Data Corporation
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|Dec 19, 2002
|Jul 17, 2003
|Brian Caulfield
|Transaction dispute management system and method
|Jan 2, 2003
|Jul 17, 2003
|First Data Corporation
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|Dec 11, 2000
|Sep 25, 2003
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|Apr 15, 2003
|Oct 16, 2003
|Kenneth Reece
|Method and device for making secure transactions
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|Oct 23, 2003
|Khal Hee Kwan
|Method, apparatus and program to make payment in any currencies through a communication network system using pre-paid cards
|May 14, 2003
|Nov 20, 2003
|Diane Jackson
|Method of issuing tickets to events
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|Nov 20, 2003
|Diebold Self Service Systems, Division Of Diebold, Incorporated
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|Mar 27, 2003
|Nov 20, 2003
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|Creation and distribution of excess funds, deposits, and payments
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|Sep 9, 2004
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|U.S. Classification
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|International Classification
|Cooperative Classification
|European Classification
|Jun 5, 2003
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