Credit Or Identification Card Systems

Credit Or Identification Card Systems patent applications listed are from June 2005 to current and include Date, Patent Application Number, Patent Title, Patent Abstract summary and are linked to the corresponding patent application page.

01/24/08 - 20080017705 - Method to reduce authentication latency in an immobilizer system
An immobilizer system begins authentication of an identification device in response to an external triggering event. The external triggering event occurs prior to engagement with a reader module within the vehicle. Authorization commences prior to engagement to the reader module and continues after engagement with the reader module to reduce ...

01/17/08 - 20080011831 - Method and system for smellprint recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using smellprint recognition biometrics in a smartcard-reader system. The biometric security system also includes a smellprint sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard configured ...

01/17/08 - 20080011830 - System for biometric security using a smartcard
The present invention discloses a system and methods for biometric security using biometrics in a smartcard-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard configured with a ...

01/17/08 - 20080011829 - Time delimited multiple admission method and system
Systems and methods are disclosed for providing a provision of access to services. A time delimited, multiple use ticket/admissions card is provided that controls admission to services offered by participating service providers. The ticket/admissions card is issued to a ticket holder, and the card is valid for a certain amount ...

01/10/08 - 20080006691 - Method and system for smellprint recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using smellprint recognition biometrics in a smartcard-reader system. The biometric security system also includes a smellprint sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard configured ...

01/10/08 - 20080006690 - Credit cards and related services provided by credit card services entities that provide health reminders unrelated to credit card financial or account information
The invention provides a credit card or credit card services provided by a credit card entity to a cardholder that provides at least one health reminder sent to or accessed by the cardholder of the credit card and related credit card customer services, wherein the health related information provided by ...

01/03/08 - 20080000965 - Creation of customized transactional cards
Customized transactional cards are created in one of various ways. The card holder may obtain a blank transactional card already having an encoded account number, create a customized design, and then apply the customized design to the blank transaction card such as by printing the design onto a label to ...

12/27/07 - 20070295806 - Electronic credit card - ecc
Electronic Credit Card (ECC) is an electronic device that enables transmission/reception of data and/or digital information to/from a host computer via a Terminal Station (TS). TS includes Teller Machines in supermarkets/shopping complex, Automatic Teller Machines (ATM), EFTPOS devices and proprietary transceiver devices developed by Creative On-Line Technologies Limited for PC ...

12/20/07 - 20070290035 - System and methods for processing private transactions with an access instrument
A system and methods for processing transactions with an access instrument having a first plurality of user-specific account information stored thereon. A transaction is initiated upon request from a user and the requesting user is authenticated from a second plurality of user-specific information and the first plurality of user-specific account ...

12/20/07 - 20070290034 - Method for generating customer secure card numbers
A method for providing secure transactions generates a Secure Card Number (“SCN”) for a first entity that is transferred with a first entity identifier to a second entity and then to a money source that verifies that the transaction is valid by use of the first entity identifier and the ...

12/13/07 - 20070284439 - Systems and methods for automatically distributing gifts to recipients on behalf of customers
Systems and methods for providing gifts are described. In one exemplary embodiment, the systems and methods may include receiving financial card distribution information from a consumer, wherein the financial card distribution information identifies at least one recipient for a financial card and a predetermined delivery time for providing the financial ...

12/06/07 - 20070278296 - Methods and systems for bulk activation of multiple, disparate stored value accounts
According to one embodiment of the invention, a method of activating a plurality of disparate stored value accounts utilizes a set of multiple presentation instruments redeemable at different merchants. Each presentation instrument includes a unique presentation instrument identifier used to associate value with the presentation instrument. Also, the set includes ...

12/06/07 - 20070278295 - Method and apparatus for accessing electronic data via a familiar printed medium
The disclosed methods and apparatus relate generally to the electronics media industry, such as cable television (CATV), home shopping services, on-line computer services and computer memory applications. These methods and apparatus allow a user to access and make use of electronic media input and output devices by reference to and/or ...

12/06/07 - 20070278294 - Gaming smart card
A system has been developed which employs a Smart Card which is approximately the size and shape of an ordinary credit card that an individual can carry in their wallet. It contains a Smart Card chip or similar information storage device which contains information by which the person may be ...

12/06/07 - 20070278293 - Promotional assembly
A promotional sheet assembly assembleable from components of a single material web processed in a multi-station press is provided. The assembly includes opposing surfaces bearing printed information and/or indicia thereon, and a consumer premium delimited by one or more of visible, revealable, and/or machine readable information. ...

12/06/07 - 20070278292 - Retail cash product
The invention discloses a retail cash product available in multiple denominations, encoded with Point of Sale information allowing it to be purchased like any other retail product, which becomes a usable debit card once activated by the consumer. The ability for consumers to use gift cards, gift certificates, or credit ...

12/06/07 - 20070278291 - Methods and systems for two-factor authentication using contactless chip cards or devices and mobile devices or dedicated personal readers
Generating authentication data for use in a transaction by providing a contactless payment device or smart card configured to communicate with a mobile device, placing the contactless chip card in a proximity to the mobile device to instantiate communication between the contactless chip card and the mobile device, inputting a ...

12/06/07 - 20070278288 - Customer loyalty methods and systems
An improved system and method for providing a rebate to a third party beneficiary for the purchase of a product from a merchant including the steps of designating a beneficiary for a rebate amount associated with a purchase of goods or services, assigning a rebate amount with one or more ...

11/29/07 - 20070272739 - Payment system and methods
Disclosed are payment system and methods. ...

11/29/07 - 20070272738 - Systems and methods for generating, reading and transferring identifiers
Systems and methods for generating, reading and transferring identifiers are disclosed. In one embodiment, a handheld system for associating a selected audio content with an object includes an identifier applied to a surface of the object and having a predetermined graphical format that is configured to encode the selected audio ...

11/22/07 - 20070267487 - System for multiple income-generating business card and referral network
A system for using a communications network with a server and a database to provide income-generating business card and referral card network. In one embodiment, a credit card issuer provides a set of personalized business cards to a first customer for his use, upon qualifying the first customer for a ...

11/22/07 - 20070267486 - Methods for providing long term storage and retrieval of customized transaction card images
The present invention provides a method for providing long term storage of customized transaction card images, comprising the steps of approving or rejecting a selected customized image, marking the customized image as approved or rejected, packaging the customized image into an image file for a transaction card issuer, sending the ...

11/22/07 - 20070267485 - Centralized issuer hub for transaction card customization
The present invention provides a system for card customization including a centralized issuer hub providing a single point of website integration for applicants in different countries or affiliations, the system comprising a centralized issuer hub comprising a server that coordinates data exchange among a plurality of country- or affiliate-specific websites, ...

11/22/07 - 20070267484 - Methods for providing stand-in services for transaction card customization
The present invention is directed to methods for providing stand-in services for transaction card customization, wherein a transaction card franchiser provides the stand-in services for the transaction card issuer with regard to transaction card applicant email notification with respect to approval/rejection decisions and/or billing the transaction card applicant for the ...

11/15/07 - 20070262140 - Apparatus, system, and method for delivering products or services
Various embodiments of the present invention are directed to a system, method, and apparatus for offering products and services based, at least in part, on a continually updating analysis of user accounts held by commercial enterprises such as banks, credit card companies, media service providers, insurance companies, and other institutions ...

11/15/07 - 20070262139 - Techniques for authorization of usage of a payment device
Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on desired spending limit parameters established by a merchant and/or an issuer of the device; facilitating obtaining an issuer authorization decision; ...

11/15/07 - 20070262138 - Dynamic encryption of payment card numbers in electronic payment transactions
Systems and methods are provided for secure transmission of information identifying account holders in electronic payment transactions made using payment cards or devices that are based integrated circuit chip technology. Individual cards or devices are associated with a cipher key. Information such as personal account numbers, which may be stored ...

11/15/07 - 20070262137 - Predictive authorization techniques
Methods and systems are provided for processing a transaction. An authorization request for the transaction is received over a financial network. The authorization request includes account information and transaction information specifying at least a transaction amount. A financial account is identified from the account information. A history of the financial ...

11/15/07 - 20070262136 - Anti-fraud credit/debit card authorization system and method
The invention provides a credit/debit authorization system and method which aim at stopping unauthorized use of credit/debit cards. The authorization system and method takes a two-step authorization approach. When a credit/debit card transaction authorization request is routed to the authorization system, the authorization system first validates the transaction by comparing ...

11/08/07 - 20070257107 - Computer readable universal authorization card system and method for using same
A computer readable universal authorization card system including a card having a computer readable portion for conducting communications over a global network and a magnetic stripe for interfacing with card readers is disclosed. Here, the magnetic stripe has a stripe length and a stripe width, the card has a card ...

11/08/07 - 20070257105 - Systems and methods for establishing a secure computing environment for performing online transactions
A portable, biometrically-secured device for facilitating various different types of in-person and online transactions. For example, the portable, biometrically-secured device can be used to safely perform in-person financial transactions, such as credit card transactions, in which the user's identity is biometrically authenticated. The portable, biometrically-secured device can also be used ...

11/08/07 - 20070257104 - Portable device and methods for performing secure transactions
A portable, biometrically-secured device for facilitating various different types of in-person and online transactions. For example, the portable, biometrically-secured device can be used to safely perform in-person financial transactions, such as credit card transactions, in which the user's identity is biometrically authenticated. The portable, biometrically-secured device can also be used ...

11/08/07 - 20070257103 - Method and system for performing two factor authentication in mail order and telephone order transactions
The method for authenticating a mail order or telephone order transaction according to the present invention includes receiving authentication information from a cardholder, providing authentication information to an issuer, and determining whether the authentication information is valid. If the authentication information is valid, the issuer informs the merchant that the ...

11/08/07 - 20070257102 - Magnetic tape with holographic hidden pattern, method of making same and reader for reading same
A holographic magnetic tape comprising a hidden image pattern for protecting against skimming, alteration and counterfeiting of the data encoded in the holographic magnetic tape. The hidden image pattern in a holographic magnetic tape of a transaction card is used to determine the validity of said transaction card and the ...

11/08/07 - 20070257101 - Systems and methods for providing access to wireless gaming devices
Systems and methods for controlling access to wireless gaming devices and networks are provided. For example, access is controlled through one or more levels of security checks, such as a hard security check instead of or in addition to a soft security check. In a hard security check, the user ...

11/08/07 - 20070257100 - Method and system for private information exchange in smart card commerce
A method, system and computer program product for private information exchange in smart card commerce is disclosed. The method includes, in response to determining that an item of biometric data received on a biometric reader corresponds to an authorized user, unlocking a communication channel on a communication port, exchanging public ...

11/01/07 - 20070252001 - Access control system with rfid and biometric facial recognition
A biometric identification system which uses a UHF radio frequency identification (RFID) tag storing a first set of specified biometric information on an identity card; which bears a facial picture of the card carrier. An identification system comprising an antenna using radio frequency signals and a reader is used to ...

11/01/07 - 20070251999 - Optical data cards and transactions
Improved optical data cards 20, and compatibly-configured systems, methods, and software are useful in advertising, communications, and the completion of on-line and other electronically-processed transactions. Optical data cards 20 comprise optically readable data comprising unique card identifiers and seating devices configured for seating the cards 20 in an optical reading ...

11/01/07 - 20070251998 - Service-to-device mapping for smart items using a genetic algorithm
Systems and methods allow service-to-device mapping using genetic algorithm logic by which services are mapped onto best-suited smart items selected from a plurality of smart items of a sensor network. As part of the mapping, and/or subsequent thereto, a deployment of the service(s) onto the smart items is initiated. A ...

11/01/07 - 20070251997 - System and method for managing multiple smart card sessions
A system and method is provided for managing multiple smart card sessions with multiple communications or computing devices in association with a single smart card reader. A wireless smart card reader is provided for communicating with a plurality of devices requiring smart card functionality in a number of smart card ...

11/01/07 - 20070251996 - Verification of a biometric identification
An identification verification system includes a combination of indicia that represent measurable characteristics mapped into a characteristic signature, and an indicia detector for detecting the characteristic signature and verifying authenticity of the characteristic signature. ...

11/01/07 - 20070251995 - Transaction card package assembly having enhanced security
A transaction card package assembly comprising a transaction card held by a card holder and having a security code spanning the transaction card and the card holder such that upon removal of the transaction card from the card holder, the security code is broken and a portion of the security ...

11/01/07 - 20070251994 - Hybrid transaction card package assembly
A transaction card package assembly comprising a transaction card and a card holder, wherein the package assembly further comprises at least three unique identifiers thereon such that the transaction card may be activated at a point of sale by either a one-step or two-step activation process. ...

11/01/07 - 20070251993 - Rfid card issuing system
In this RFID card issuing system, manual operations are required only in two steps of: inputting personal information of an RFID card holder to register it in database; and pushing a shutter button of a camera at the photographing, and software controls are employed for the steps of: copying an ...

10/25/07 - 20070246530 - System of settlement transaction and method
In a settlement transaction system or settlement transaction method using the system, the system includes a content providing server conducting a digital broadcast, for example, for a CS broadcast, a BS broadcast, a CATV, or a broadcast using ground waves; a settlement server to execute settlement transaction or settlement transaction, ...

10/25/07 - 20070246529 - Smart card with touchpad
The invention relates to a self-powered card of standardized format including keys (201) placed on at least one zone not allocated by the standardized format, a functional module (203) and an activation module (202) designed to activate the functional module (203) when a correct code is entered by means of ...

10/25/07 - 20070246528 - System and method for authorizing electronic payment transactions
A transaction authorization system comprises an authorization engine (22) configured to perform an analysis in relation to a received request for authorization of an electronic payment transaction and determine an authorization output based on the analysis, wherein the analysis includes application of one or more checking rules of the if-then ...

10/25/07 - 20070246527 - Stored value card with fraud protection wrapping
A secure and confidential card display package and a method of manufacturing the same. The secure and confidential card display package includes a card carrier, a stored value card, and a clear plastic wrapping. The card carrier is constructed of a laminated sheet of material and has a first peg ...

10/25/07 - 20070246526 - Apparatus and method for production of transaction cards
A method for producing transaction cards corresponding to an account of a customer and bearing an image defined by said customer comprises associating an optically-read-able identifier with a customer-defined image to be applied to the transaction card. The optical identifier can be read to reconcile it with a corresponding identifier ...

10/18/07 - 20070241185 - Driver interface for data capture systems
An interface enables data capture systems, such as electro-optical readers, RFID readers, and imagers operative for capturing transaction data to communicate with a plurality of open applications executed by a host computer. A queue arranges the transaction data processed by one of the open applications, and management data processed by ...

10/18/07 - 20070241184 - Point-of-sale terminal system with integrated rf card reader and interchangeable base
A point-of-sale system includes a housing, processing device, and radio frequency card reader. The processing device and reader are disposed within the housing, which eliminates external electrical connections associated with the reader. The system may include a monitor and an interchangeable base, which receives the monitor and is selectively removable ...

10/18/07 - 20070241182 - System and method for binding a smartcard and a smartcard reader
Systems and methods for binding a smartcard and a smartcard reader are provided. A smartcard is provision to store a first set of credentials for use in traditional transactions such as at a brick and mortar retail store and a second set of credentials for use when performing a transaction ...

10/18/07 - 20070241181 - Identification information managing method and system
A ticket system using an IC card includes a terminal, such as an entrance gate, and a server. A ticket incorporates an IC chip having read-only identification information and the server manages a table of the correspondence between identification information printed on the surface of the ticket and identification information ...

10/11/07 - 20070235524 - Data card management system
A data card management system that consolidates and manages use of a plurality of single-function data cards using one, portable multifunction data card. The cardholder accesses the secure, internet-based system using a computer with access to the Internet. Once accessed, the user completes: (1) account registration; (2) card data collection ...

10/04/07 - 20070228161 - Limited use pin system and method
The present invention facilitates transactions by providing a limited use PIN that is associated with a primary account and/or PIN number, wherein the limited use PIN is presented to the merchant to initiate a transaction. More particularly, the system involves the process of registering a user (if not already pre-registered) ...

10/04/07 - 20070228159 - Inquiry system, imaging device, inquiry device, information processing method, and program thereof
An inquiry system which includes a portable imaging device and an inquiry device capable of communicating with the imaging device in two ways is provided. The imaging device includes an imaging unit, a communication unit, a face characteristic data generator extracting a face image from the image data picked up ...

10/04/07 - 20070228158 - System and method for personalizing a card
Systems and methods for personalizing data card are disclosed. One embodiment includes a card receiver configured to receive one or more data cards, a control system connected to the card receiver, the control system configured to receive personalization information, an encoder system connected to the control system, the encoder system ...

10/04/07 - 20070228155 - Method for producing a collimator
The invention is related to a method for producing a collimator comprising an X-ray transparent substrate. The innovative method comprises the steps of: forming a slit in the substrate, wherein the slit has first and second side walls; filling the slit with an X-ray absorbing material so that the absorbing ...

10/04/07 - 20070228154 - System and method for sensing biometric and non-biometric smart card devices
A system of detecting biometric and non-biometric, standard smart card devices includes a smart card host and smart card device reader, which is operable for receiving an Answer to Reset signal and determining whether the smart card device comprises a biometric or non-biometric, standard smart card device. If a biometric ...

10/04/07 - 20070228153 - Obtaining transaction accounts using identification cards
A system, method, and computer program product are used to obtain a transaction account. The system comprises at least one input device, at least one credit requesting system, at least one transaction account provider, and at least one credit reporting agency. The input device receives an identification card (e.g., driver's ...

09/27/07 - 20070221723 - Identification data decoder
The invention is a system component which may be installed in systems used to, in an automated fashion, acquire and process identification data from sources such as drivers licenses. The novel component is typically installed between the reader and the processing unit of such systems. Preferably the novel component replaces ...

09/20/07 - 20070215696 - Electronic voucher system and associated method
An electronic voucher system comprising: a voucher facilitator; at least one merchant; and at least one customer, where each merchant communicates details of themselves and at least one voucher to the voucher facilitator; the voucher facilitator allocates a unique identifier to the merchant and stores details of the at least ...

09/20/07 - 20070215695 - Device and system for presenting and facilitating payment of a restaurant bill
A device, system and method are disclosed for presenting a bill to restaurant patrons, and facilitating the payment of the bill by the patrons. A basic embodiment of the device includes a computing system and a billfold for housing at least a portion of the computing system. The computing system ...

09/20/07 - 20070215694 - Slide-out gift card
A stored value card device has a housing comprising an upper shell and a lower shell. The card device is dimensioned similar to typical credit cards and contains a circuitry for producing an audio/visual message in an inner space formed between the upper and lower shells, which are shaped like ...

09/20/07 - 20070215693 - Method and apparatus to provide authentication using an authentication card
A method and apparatus to provide authentication. The method comprising sending a challenge to a user to be authenticated, the challenge including a reference on a card issued to the user and receiving a user-supplied value purported by the user to be associated with the reference on the card issued ...

09/13/07 - 20070210152 - Method and system for linking additional value to a stored value or gift card
In a system that utilizes a stored value or gift card (SVGC), additional value is linked to the SVGC. This additional value may provide an added incentive for purchasing the SVGC. The additional value may be a product or service, for example. The additional value may be linked to certain ...

09/06/07 - 20070205270 - System for personal authorization control for card transactions
An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or ...

09/06/07 - 20070205269 - Method and system for the resale of prepaid cards and paper gift certificates
A method and system for the resale of prepaid cards and paper gift certificates, which includes as part of the resale process verification of the monetary value represented by such prepaid card or gift certificate. ...

09/06/07 - 20070205267 - Method and apparatus for promotion of transaction card
An envelope for carrying a transaction card is provided. A transaction card is a gift certificate or the like redeemable for additional goods from a retail store or the like. The envelope includes a planar surface having a first side and a second side. A slot is cut into the ...

09/06/07 - 20070205266 - Method and system for reporting identity document usage
To more rapidly redress identity theft, reports are issued to a person detailing instances in which that person's driver's license, passport, or other government-issued identification documents are presented as a form of ID. These reports can be issued periodically (e.g., integrated with monthly reports aggregating bank and brokerage account information, ...

08/30/07 - 20070199986 - Issuing a value-bearing card associated with only non-personally identifying information
Issuing a debit card associated with only non-personally identifying information includes communicating among an input device, a network coupling, and a card dispenser. The input device is configured to receive a new account request. The new account request includes only non-personally identifiable information. The network coupling is configured to send ...

08/30/07 - 20070199985 - Method and system for processing a transaction
A method of, and system for, processing payment for a transaction is provided. The method includes providing a user with an option to select payment for the transaction from an account associated with a communication line via which an electronic terminal is connected to a communication network. The communication line ...

08/23/07 - 20070194107 - Pre-paid credit card
A method of acquiring goods and services using a pre-paid credit card, issued by either a merchant in any network of merchants or service providers, a bank card network or a financial institution, credit card companies and a system for settling a used amount with the pre-paid credit card. A ...

08/16/07 - 20070187492 - System and method for authorizing stored value card transactions
A computer-implemented method for processing a stored-value card transaction request in a card data management system is presented. The management system has a central processor in communication with one or more point-of-sale terminals over a communications network. Each terminal has a unique terminal identifier and is associated with a location ...

08/16/07 - 20070187490 - Systems, methods, and devices for selling transaction instruments via web-based tool
The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, ...

08/16/07 - 20070187489 - Presentation instrument with user-created pin
In one embodiment, the invention provides a method for activating a presentation instrument using a computerized network. The method utilizes a presentation instrument package that comprises a presentation instrument that is coupled to a carrier. A package identifier on the presentation instrument package is read and transmitted to a host ...

08/16/07 - 20070187488 - Presentation instrument package arrangement
A presentation instrument package is constructed of a carrier having a package identifier. The package defines an enclosure into which is held a presentation instrument having a human readable presentation instrument identifier such that the human readable information is hidden from view. ...

08/16/07 - 20070187487 - Method of distributing and activating gift cards
The present invention is directed towards a method of distributing and activating gift cards. The method is performed by attaching a non-activated gift card to an article and selling the article to a consumer. The article may be sold at a retail store, or ordered over a telephone line or ...

08/09/07 - 20070181673 - Identification system
Disclosed is a system for uniquely identifying an entity includes a wireless identification device with a controller mechanism for wirelessly communicating and acquiring, processing and transmitting data. A reader device having a controller mechanism acquires, processes and transmits data and a sensing mechanism is in communication with the reader device ...

08/09/07 - 20070181672 - Electronic settlement system, portable telephone, noncontact ic card reader, and personal identification data sampler
An electronic settlement system includes a portable telephone mounted with a noncontact IC card means and a fingerprint verification means, a noncontact IC card reader, and a fingerprint sampler connected with the noncontact IC card reader. User's fingerprint data is sampled using the fingerprint sampler and transmitted from the noncontact ...

08/09/07 - 20070181671 - System, method and computer program product for updating a reference magnetic signature of a magstripe card
The present invention provides systems, methods and computer program products for updating a reference magnetic signature of a magstripe card. In one embodiment, magnetic signatures from a magstripe card, each previously captured from a terminal during a transaction are retrieved from a database. The magnetic signatures are examined to identify ...

08/09/07 - 20070181670 - System, method and computer program product for pos-based capture of reference magnetic signatures
The present invention provides systems, methods and computer program products for point of sale (POS) based capture of reference magnetic signatures. In one embodiment, a magnetic signature included in a request to authorize a transaction associated with a magstripe card is retrieved from a database. If the transaction is determined ...

08/09/07 - 20070181669 - Personalized calling card including indicia for conveying information about the cardholder's offspring
A personalized calling card (100) includes personal information (103-111) and also includes indicia signifying the cardholder's children (113) that conveys information regarding their number, gender and and/or birth order (115). ...

08/02/07 - 20070175984 - Open-loop gift card system and method
Provided herein is a description of an open-loop gift card system and method. ...

08/02/07 - 20070175983 - Multifunction information card devices and methods
An information card device may include a storage device configured to store information as a plurality of sets of information, an input device configured to select one of the plurality of sets of information, and an output device configured to output information of the selected set of information. A method ...

08/02/07 - 20070175982 - System, method, and computer program product for issuing and using debit cards
A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit ...

08/02/07 - 20070175981 - Merchandise transaction system and data reading device thereof
A merchandise transaction system and data reading device capable of gathering statistics of overall consuming detail data are provided. The data reading device comprises an input interface, a display interface, a data collecting processor, and a plurality of connecting ports. One end of each connecting port can electrically connect to ...

08/02/07 - 20070175980 - Clinical decision support system for guideline selection and knowledge/location indication with the guideline
A clinical decision support system (30) displays a patient treatment guideline (20) for a given patient in response to a query from a medical practitioner along with an indicator (21) as to what state in the patient treatment guideline (20) the current patient is. According to one aspect of the ...

08/02/07 - 20070175979 - Ticket management system, terminal device, ticket management server, register device, value conversion method, computer program, and recording medium
A useful ticket management system is provided, which can perform adjustment using a ticket to which non-updatable value information is assigned together with an electronic value, according to a payment form. The ticket management system includes an IC tag attached to a money ticket, a money ticket management server, and ...

07/26/07 - 20070170248 - Authentication methods and systems including embedded auxiliary data
The present invention generally relates to steganography and digital watermarking. An authentication method is provided in one embodiment. The method includes receiving an object including a host object and auxiliary data steganographically embedded within the host object; determining geometric characteristics of the host object relative to expected geometric characteristics of ...

07/26/07 - 20070170246 - Terminal unit, server unit, terminal verification method, terminal program product, and storage medium
A program product for causing a computer to function as a terminal for processing an electronic money card is prepared and distributed to a member store. The member store installs it in the computer and uses as a member store terminal. The computer for installation may be a general-purpose computer, ...

07/26/07 - 20070170245 - Secure payment system
A system for the authentication by a card-issuing financial institution of identifying information of a card-holding user of a public data network. The system includes a secure data entry device connected to the public data network and a gateway device connected to the public data network and to a private ...

07/19/07 - 20070164101 - Rewritable card printer
A rewritable card printer useful as a rewritable card printer. The rewritable card printer includes a print module coupled to one or more separate card magazines, each having independent card drives. The operation of the print module and one or more card magazines are controlled by a printer controller. Cards ...

07/19/07 - 20070164100 - Visual identity mechanisms
Mechanisms are disclosed for visual identification of a user in a gaming environment. For example, a digital image is used to identify a user, whether the user is on-line or off-line. This digital image is easily verifiable as an appropriate and non-offensive image because it may come form a controlled ...

07/19/07 - 20070164099 - Integrated card system and method
An integrated card system providing multiple payment and loading mechanisms is provided herein. ...

07/19/07 - 20070164098 - Staging of financial accounts: the ultimate charge account and ultimate credit/atm card
This invention outlines a unique method and system where multiple accounts can be combined and user can access them from a single master account. Account holder or organization offering master account can define rule(s) maintained in a configurable table. Those rules dictate how a single transaction made to the master ...

07/12/07 - 20070158415 - Updating of a smart card value counter
A method and a system for updating a counter of an electronic component in which are stored recordings, each containing at least one individual value and at least one sorting value, including: transferring into a memory of a reader an initial count of the counter and said recordings; calculating on ...

07/12/07 - 20070158414 - Wireless authentication system
A wireless authentication system performs authentication by means of radio signals, and has a use restriction function for an appliance in order to prevent illegal use or unauthorized use thereof. The system carries out multiple level authentication and settlement relating to payment cards, including credit cards and has functions for ...

07/12/07 - 20070158412 - Non-contact paper-based electronic ticket based on electronic tag techniques
The present invention provides an electronic ticket compatible with the existing railway paper tickets, which comprises two layers of paper media where an antenna and a chip are buried in advance and is characterized in that dynamic encryption information is written into said chip in advance and has a check ...

07/12/07 - 20070158411 - Method and system for storing, retrieving and updating information from an information card
The invention is directed to methods of and apparatus for storing, retrieving and updating information on an information card or calling card. The card is made of traditional materials with at least a first surface reserved for traditional print and/or graphics. A second surface of the card contains computer readable ...

07/12/07 - 20070158410 - Employer notification system
An apparatus for monitoring employees is provided. The apparatus includes a biometric sensor generating biometric data, such as a fingerprint reader, and time of measurement data. An identification system receives the biometric data and determines a personal identifier, such as an employee's name, based on the biometric data. An employer ...

07/12/07 - 20070158409 - Process for validating identification badges and heat transfer ribbon therefor
A process for validating an identification badge for a plurality of predetermined periods of time. The process includes generating, preferably randomly, an initial image for an initial predetermined period of time and then transmitting this initial image to a heat transfer printing device. The heat transfer device prints the image ...

07/12/07 - 20070158408 - Portable storage device with identifying function
A portable storage device with identifying function is provided. The portable storage device comprises a data transmission interface, for electrically connecting to a host end; a memory transmission interface; a microcontroller, having a smart card engine and electrically connected to the data transmission interface and the memory transmission interface respectively; ...

07/05/07 - 20070152036 - Methods, systems and computer program products for electronic identification card creation and transfer during real time communications
Exemplary embodiments include a method for creating an electronic identification card during a real time communications session including: presenting a user with an option to enter personal information; receiving a command from the user to send the electronic identification card including the personal information during the real time communications session; ...

06/28/07 - 20070145125 - Purchasing aid logistics appliance
A purchasing aid logistics appliance that assists a purchaser with a shopping list generation, in-store product location, automated checkout, and financial management. The PAL is in the form of a battery operated PAL with touch screen display and multimedia input/output. The PAL functions as a fiduciary aid and two-way communications ...

06/28/07 - 20070145124 - Communication system, reader/writer, authentication method, and computer program
Disclosed is a reader/writer that reads or writes information from or in an IC module, in which one or more applications are loaded, in response to an instruction issued from a controller in which counter-applications compatible with the applications are loaded includes: a memory in which one or more pieces ...

06/28/07 - 20070145121 - Authentication system for the authorization of a transaction using a credit card, atm card, or secured personal id card
An authentication system for the authorization of a transaction card, such as a credit card, an ATM card or a secured personal ID card by a user. The authentication system includes a writer authenticator input unit for inputting and encrypting of personal authentication data and information of a user to ...

06/28/07 - 20070145120 - Method for receiving credit card applications at a fuel dispenser
Credit card applications typically involve the help of a third party to input the necessary data required by a credit card issuing agency. Using the present invention, a customer at a fuel dispenser can complete a credit card application and have it approved or denied in a quick and easy ...

06/28/07 - 20070145119 - System for identifying an individual in an electronic transaction
A system for identifying an individual in an electronic transaction The system comprises a terminal (10, 12), an independent portable device (20) including a data processing means, and a wireless coupling means (RF COMMUNICATION) for exchanging individual-identification data between said terminal and said portable device. A body-medium communication means (OSC ...

06/21/07 - 20070138261 - Enhancing bank card security with a mobile device
A PIN server system interacts with one or more financial institutions to authenticate a mobile phone and-or a user thereof. The PIN server provides to the mobile phone one or more PIN numbers to use in financial transactions involving the one or more financial institutions, and also provides the one ...

06/21/07 - 20070138260 - Methods and apparatus for automated document examination for age verification
Systems and techniques for automated age verification in self service transaction processing. Upon identification of an age restricted product presented for purchase, presentation of a purchaser identification document is requested. Encoded information is read from the document and a purchaser photograph obtained from the document is examined. An image of ...

06/21/07 - 20070138259 - Systems and methods for electronic transaction risk processing
A system automatically determines authorization of a financial transaction occurring through the presentation of a check card such as a demand deposit account (DDA) card. For a proposed financial transaction of a customer from a merchant having a membership program, the system obtains an indication that the customer is a ...

06/14/07 - 20070131761 - Techniques for co-existence of multiple stored value applications on a single payment device managing a shared balance
A method of managing a first stored value application having a first application balance and a second stored value application having a second application balance, can include the steps of facilitating conducting of a first transaction by the first stored value application, and synchronizing the second stored value application with ...

06/14/07 - 20070131760 - Electronically refunding change from a purchase transaction
In a system where a customer makes a purchase with a merchant using currency, methods are provided for enabling the customer to receive change electronically. The customer has a customer identification device that is associated with a change account stored at a change server. The merchant also has a change ...

06/14/07 - 20070131759 - Smartcard and magnetic stripe emulator with biometric authentication
A handheld unit which is capable of emulating a plurality smartcards or magnetic stripe cards. The unit has the capability of storing a plurality of data sets representing a plurality of accounts. The unit is equipped with a near field communications interface that can emulate a smartcard interface that is ...

06/07/07 - 20070125844 - Method for transmitting medical information identified by a unique identifier barcode to a hospital
A method for transmitting personal health information from a databank to a health facility. An individual's health information is stored in a database, and the information is sent to authorized users as needed. The information is stored in the database by coding an individual's private file with a unique identifying ...

06/07/07 - 20070125843 - Combination printer and its paper
A computer network system and method for printing purchase transaction receipts includes a novel printer physical structure, data structure, and control logic for printing on both sides of a register receipt, business rules designed to facilitate the two sided printing, and print paper designed to facilitate two sided printing. ...

06/07/07 - 20070125842 - Method and system for loading and reloading portable consumer devices
A method is disclosed. The method includes providing tender at a point of service terminal operated by a load agent, the point of service terminal being in operative communication with a payment processing network. The point of service terminal thereafter sends a transaction authorization request to an issuer of a ...

05/31/07 - 20070119924 - Security clearance card, system and method of reading a security clearance card
The security clearance card, system, and method include a card that stores data to verify the identity of an owner of the card. In addition to other types of information, the card stores biometric data of the owner and other identity data. Different portions of the data may be encrypted ...

05/31/07 - 20070119923 - Biometric authentication
A system and method for tokenless authentication. A customer can enroll with a customer identifier and by providing biometric samples. A customer checking, credit or debit account can be associated with the information provided by the customer. When the customer seeks to enter into a transaction, the customer provides his ...

05/31/07 - 20070119922 - Method, device and system of illumination-based disinfection
Some demonstrative embodiments of the invention include a method, device and/or system illumination-based disinfection. A disinfector may include, for example, a conduit to carry a flowing medium to be disinfected, the conduit having an inlet to receive the medium and an outlet to discharge the medium; a flow adapter configured ...

05/31/07 - 20070119921 - System and method for establishment of rules governing child accounts
A system and method for establishment of rules governing child accounts may include associating, in a database, a first transaction card through which access to monetary funds is extended with a second transaction card through which access to said monetary funds is extended. Also, in said database, said second transaction ...

05/31/07 - 20070119920 - System and method for disputing individual items that are the subject of a transaction
A system and method for disputing individual items that are the subject of a transaction includes storing, in a database, a record of a transaction in which a plurality of goods or services were sold to an individual that owns a transaction card through which access to monetary funds may ...

05/31/07 - 20070119919 - System and method for user selection of fraud detection rules
A system and method for establishing fraud detection rules system includes a first transaction card through which access to monetary funds is extended and a database associating said transaction card with one or more fraud detection rules governing access to said monetary funds by said transaction card. The system also ...

05/31/07 - 20070119918 - System and method for new execution and management of financial and data transactions
A system and method for execution of financial and data transactions includes a point-of-sale device configured to execute a transaction in which at least one good or service is sold to an individual having a card with a storage medium encoding a card number. The transaction is completed after said ...

05/31/07 - 20070119917 - Integrated circuit card, mobile communication terminal device, transaction system, and unauthorized use preventing method
An Integrated Circuit (IC) card stores therein card identification. The IC card includes a verification data fetching unit that fetches verification data from a mobile communication terminal of a user; a verification process unit that verifies whether fetched verification data is authentic thereby verifying whether the user is an authorized ...

05/24/07 - 20070114275 - Novel enhanced quasi-personalized data set products and processes
At least one of a card, product, key-chain fob, or any other tangibly manifested item or related mechanism is provided whereby a user can store a specific data set or predetermined order which is then scanned, read or otherwise interpreted at a point-of-purchase location and debited off of/or otherwise reduced ...

05/24/07 - 20070114274 - System, apparatus and method for obtaining one-time credit card numbers using a smart card
A system, apparatus and method for utilizing one-time, or temporary, “credit” card information for executing purchase transactions with a smart card or similar electronic data card device. The card is activated in an activation process with the issuer prior to receiving and utilizing temporary card information (numbers). Retrieval and submission ...

05/17/07 - 20070108271 - System and method for detecting fraudulent calls
Systems and methods for evaluating transactions to determine if suspicious activities are possibly present. Various methods include providing a reference designator list with information associated with one or more suspicious activities. Using the reference designator list, a first and a second transaction systems are evaluated. Various systems include two or ...

05/17/07 - 20070108270 - Voucher system and method of use
A system for managing voucher use includes a database, a voucher, and a processor. The database stores an account defining at least one approved item available for purchase and a financial balance. The voucher includes an identifier linking the voucher to the account. The processor is in communication with the ...

05/17/07 - 20070108269 - Processing merchant point-of-sale transactions using a mobile subscriber device
In an exemplary method, a telecommunication network node receives a communication originated by a wireless mobile device where the communication contains transaction information of items selected for purchases. The subscriber is authenticated as a member authorized to use purchase transaction services. A database stores an account of the subscriber. A ...

05/17/07 - 20070108268 - Temporary value card method and system
A method for using a temporary value card is provided. A first value is determined base upon a selection of goods or services from a provider. The temporary value card is sold at a POS. The first value is associated with the temporary value card. ...

05/10/07 - 20070102510 - Customized transaction card and account reports
A method of customizing communications to a transaction account user is described. The method may include the steps of incorporating a customized image sent by the user on a transaction card that is provided to the user, and displaying the customized image on one or more account message seen by ...

05/03/07 - 20070095900 - Method and system for securely encoding and decoding biometric data into a memory device using a two dimensional symbol
A method of storing information on a memory device. The method comprises setting up a user to be associated with the memory device including biometric information obtained from a biometric reader. The method also comprises coding at least a portion of the biometric information before storage in the memory device. ...

05/03/07 - 20070095899 - Global identification authentication system
The present invention is a global identification authentication system where fee based subscribers can verify the authenticity of personal identification submitted to the subscribers with substantially immediate access, by non-governmental entities, to identification databases to verify whether any particular identification is valid, invalid or non-existing in the identification document databases. ...

04/26/07 - 20070090184 - Debit card package assemblies
The present invention relates to card packaging assemblies that have removable portions: a card portion and a carrier portion. Machine readable indicia for activating the card at the point of sale can be located on either portion and such indicia is adapted to be easily readable by such point of ...

04/26/07 - 20070090183 - Real time prepaid transaction bidding
Electronic transaction networks are described that are operable to find a pathway to complete an electronic data exchange for a prepaid transaction account. The networks may include an intermediary node, in electronic communication with a transaction point node where transaction information is input, and a plurality of processing nodes that ...

04/26/07 - 20070090182 - All-in-one card and its management
The All-In-One card, referred to as AIOC in this document, is a smart card which contains multiple credit cards, debit cards and other applications for the user. For instance, it may contain an application which offers various pre-programmed credit cards to the user to choose from, to pay for a ...

04/26/07 - 20070090181 - System and method for deep interaction modeling for fraud detection
The use of a variety of plastic cards to carry out monetary transactions is on the increase. It is important to ensure that such transactions are authenticated, authorized, and accounted in a best possible manner to prevent fraudulent transactions. However, as much the transactions are being protected, the fraudsters are ...

04/19/07 - 20070084914 - Geographic area multiple service card system
The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for ...

04/19/07 - 20070084913 - Systems and methods for authorizing a transaction for a financial account
A method is disclosed for authorizing a purchase transaction made using a purchasing device associated with a financial account and communicating with a point-of-sale (POS) terminal. In one embodiment, the method may include determining a physical location of the purchasing device during the purchase transaction based on location information provided ...

04/19/07 - 20070084912 - Fraud deterrence in connection with identity documents
According to one aspect, an air travel agent who reviews photo IDs of prospective travelers is advised by an expert system that directs the agent to give certain travelers more or less (or different) scrutiny, depending on the type of photo ID they present (e.g., depending on the jurisdiction from ...

04/12/07 - 20070080214 - Method and system for multi-media gift card system
An interactive transaction gift card system containing a code stripe with an identification code which provides the features of a conventional gift card and/or debit card with the added benefits of an interactive multimedia presentation which can be in the form of a virtual store. ...

04/12/07 - 20070080213 - Aggregate electronic change saving method
A method for automatic electronic saving of change over the whole dollar amount of purchases using cash, debit cards, credit cards, or any combination of cash, debit cards, and credit cards. For cash purchases, change from the purchase is transferred into the user's designated account by transferring the change from ...

04/12/07 - 20070080212 - Systems, methods, and computer-readable media for providing financial accounts with unique characteristics
Systems, methods, and computer-readable media provide mechanisms to provide an additional financial card product to a cardholder or customer at various times during the year. The additional financial card product may be associated with a primary financial card product of the cardholder. In one embodiment, the method may comprise identifying ...

04/12/07 - 20070080211 - Credit card payment validation system
A credit card payment method and system ensures the security and robustness of payment transaction processing and validation procedure by utilizing an ordered list of supplementary credit card numbers and by requiring a card holder to present said supplementary credit card numbers, one by one, according to a pre-determined selection ...

04/12/07 - 20070080210 - Money remittance method
A system wherein a customer is provided with a debit card, cash value is loaded onto the customer's card and a customer account is set up. To allow money remittance, specific information is obtained of the customer and the recipient. These include their names, address, phone number and a recognizable ...

04/12/07 - 20070080209 - Information processing device, information providing device, information processing method and information providing method
The user accesses a point site on a point server 10 through a user terminal, and logs in thereto. The user enters the electronic money member number in the point site. The point server 10 transmits a combination of the electronic money member number and the user's point member number ...

04/12/07 - 20070080208 - Modular processing system for personalization elements
Modular processing system (1) for processing personalization elements, in particular chip cards, smart cards and/or magnetic strip cards, comprising a large number of processing modules, wherein the processing modules each comprise at least one first and at least one second sub-module (3-7; 12-20) and are arranged in a linear manner ...

04/05/07 - 20070075134 - Method and apparatus for attendant assisted gift card printing
Methods and systems for printing gift cards are provided. Gift cards may be customized and may be printed remotely from the point of customization. Customized gift card designs can be reviewed by the issuer for content prior to printing the customized gift card. ...

04/05/07 - 20070075133 - Method, system and computer-readable medium for radio frequency identification device
A method, computer-readable medium, and system for configuring an adapter is provided. A network connection is established between an adapter host and a network server. An account associated with the adapter is accessed by the sever. Tag emulation data is transferred to the adapter host and is loaded onto the ...

04/05/07 - 20070075132 - Systems and methods for personalizing transaction cards
A system for personalizing a plurality of transaction cards comprises an array of shells that are adapted to engage a sheet having a plurality of transaction cards. Each of the shells comprises an antenna adapted for transmitting data onto one of the cards. An orientation detector is used to determine ...

04/05/07 - 20070075131 - Method and apparatus for managing information
In a method of managing information, information is stored associated with at least one wallet card in an electronic device. An establishment is entered with the electronic device. The location of the establishment is determined. A determination of whether at least one wallet card is associated with the location. Information ...

04/05/07 - 20070075130 - Mid-level local biometric identification credit card security system
A method for providing secure transactions with credit cards by adding a fingerprint scanner at the point-of-sale to obtain personal information. The scanner will be integrated with a simple hardware processing device that will process and encode the personal information and compare it to encoded biometric information of the cardholder ...

03/29/07 - 20070069010 - Biometrically activated radio frequency identification tag
A biometrically activated radio frequency identification (RFID) tag including a fingerprint detection matrix, an antenna control circuit, and a biometric identification chip. The fingerprint detection matrix acquires biometric data indicative of a user's identity and passes it to the biometric identification chip. The biometric identification chip compares the biometric data ...

03/29/07 - 20070069009 - Magnetic stripe card medium for pharmacy input of patient third party, medical and demographic information
Current hardware, along with customized copyrighted software, can be utilized to enhance efficiency of information processing by pharmacy personnel and as a byproduct, bring third party payers into compliance with statutory laws. ...

03/22/07 - 20070063025 - Selectable multi-purpose card
A selectable, multi-purpose card comprising a plurality of features stored in memory means operatively mounted on the card and selection means for allowing a user to select a feature in a few simple steps, preferably in a single step. In one embodiment the card includes a plurality of magnetic strips ...

03/22/07 - 20070063024 - Dual macro- and micro-payment card system
An electronic transactions system suitable for payment services wherein certain merchants needing to accept online micro-payments from holders of mainstream payment cards are equipped with an online Point Of Service system capable of communicating directly with an operator acting on behalf of the issuer of the cards of the payers ...

03/22/07 - 20070063023 - Device customizing system, device customizing method, authentication agent, recording medium storing device customizing program and computer data signal embodied in carrier wave
A device customizing system which includes: a device having an account information acquisition unit that acquires account information, and a customizing unit that customizes environments and settings of the device based on customize information; an authentication agent including a user data storage unit that stores user data for customizing the ...

03/22/07 - 20070063022 - Settlement system using electronic money and recording medium for electronic money information
A settlement system using electronic money for accessible objects includes a recording medium for electronic money information and a controller. The recording medium has an electronic money memory storing the electronic money information and an accumulative information memory storing accumulative information for granting a privilege. The accumulative information is accumulated ...

03/22/07 - 20070063021 - Activation number generation and association
The present invention is generally directed to methods of manufacturing data card assemblies. These methods generally comprise manufacturing or purchasing a data card comprising a special number, wherein the special number is associated with a particular data card account; packaging the data cards in a package such that the special ...

03/22/07 - 20070063020 - System and method for charity gift card
Systems and methods enable the provision, management and use of a monetary card for making donations. A processor may cause information associated with donation parameters to be stored on a monetary card. The card may be given as a gift to a recipient. The recipient may use the card to ...

03/15/07 - 20070057046 - Electronic device with card interface
When initializing a card-shaped device inserted in a card interface, operation mode acquiring means incorporated in an electronic device acquires operation mode information, stored in a register file incorporated in the card-shaped device, by a predetermined procedure using a predetermined pin. Operation mode setting means incorporated in the electronic device ...

03/15/07 - 20070057045 - Systems, methods and devices for selling transaction instruments
The present invention generally relates to a system and method for distributing an open transaction instrument. The system includes the steps of: accessibly offering for sale, in a retail environment, the open transaction instrument; selling a selected open transaction instrument; and enabling the use of the open transaction instrument. The ...

03/15/07 - 20070057044 - Information processor-based service providing system and method
A Smart card-based service providing system and method, in which a service application uses resources of a common application and which can easily cope with an addition of a service application into the Smart card and thereby efficiently utilize valuable resources of the Smart card, is provided. A management application ...

03/15/07 - 20070057043 - Calling card with integrated banking functions
An integrated multi-serviced stored value card system permits and performs integrated telecommunication and financial services. A card affords the features of a traditional calling card plus a wide array of banking services, such as electronic fund transfers between cards and cash withdrawals, and telecommunication features. Stored values from a primary ...

03/15/07 - 20070057042 - Electronic money settlement system and electronic money information storage medium
An electronic money settlement system for making settlement using an electronic money information storage medium 21 storing electronic money information, wherein the electronic money information storage medium 21 includes an electronic money storage area 27 storing the electronic money information, and a discount-rate storage 28 area storing a predetermined discount ...

03/15/07 - 20070057041 - Rechargeable smart card blood pressure recording method and apparatus
Enabling the providers of automated blood pressure readings, such as pharmacies, corporate work sites, health clubs and other customers, to charge a fee for the long-term use of a memory card to record non-invasive physiological test data and make the data available for health consultations. In an automated blood pressure ...

03/15/07 - 20070057040 - Transaction card with attached auxiliary portion
A transaction card assembly may include a transaction card and an auxiliary portion attached to the transaction card. The transaction card and the auxiliary portion may be formed to have a shaped edge that conforms with a trademark, a representation of a product, or other information printed or otherwise formed ...

03/15/07 - 20070057039 - Charge card network with an implementation to enable card owners to limit the use of their cards to sales points in designated geographic areas and to sales points for designated types of goods and services
An implementation enabling an owner of a charge card to limit purchases made with the charge card comprising an implementation enabling the owner of a charge card to limit purchases made with the charge card to purchases of either owner defined types of goods and/or owner defined geographical areas, and ...

03/15/07 - 20070057038 - Wireless devices for storing a financial account card and methods for storing card data in a wireless device
A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a ...

03/15/07 - 20070057037 - Secure credit card and method and apparatus for utilizing the same
A secure credit card and a method of use of the same is shown. A transactional processing system using the method and the secure credit card of the present invention is also shown. The secure credit card has a first group of numbers or symbols which identify a user, and ...

03/15/07 - 20070057036 - System for consumers at the point of purchase/sale to automatically invest funds into a personal money saving program
Herein taught is a system that allows an individual to automatically transfer funds into a personal money saving program via a retailer/wholesaler. The system is novel as a percent of the actual sales price is incorporated into the purchase/sale and the percent is credited to the purchaser. Also, we provide ...

03/01/07 - 20070045409 - Methods and systems for redeeming a stored- value card
A reloadable debit card system includes an issuing institution whereat a main account is set up and multiple sub-accounts are established thereunder. Each sub-account corresponds to a respective cardholder. The sub-accounts are established and debit cards are printed with respective sub-account numbers prior to distributing the cards to an 80 ...

03/01/07 - 20070045408 - Information processing system, clients, server, programs and information processing method
An information processing system including an IC chip, a client driving the IC chip to carry out predetermined processing, a server connected to the client by a communication network, wherein the client has a processing-command requesting section configured to request for transmission of a processing command to the server; an ...

03/01/07 - 20070045407 - Method and system for facilitating electronic funds transactions
A method and system for executing electronic funds transactions using a merchant-issued payment (MIP) card in a merchant-centric system having benefits which include reduced fees to acquiring merchants and optionally remitting a portion of the collected fees, or other incentive, to issuing merchants. The system also preferably provides information sharing ...

03/01/07 - 20070045406 - Credit card offer and activation system and method
A method and system for providing and activating a credit card and credit line to a consumer. In one embodiment, the system and method include providing the consumer with a choice of one credit card from a plurality of cards. In response to the consumer's selection of one of the ...

03/01/07 - 20070045405 - System and method for issuing digital receipts for purchase transactions over a network
A system and method for providing digital receipts for purchase transactions are provided. The method includes the steps receiving information for a first credit card account for executing a transaction; retrieving a first customer record from a database using information from the first credit card account; charging an amount of ...

03/01/07 - 20070045404 - Presentation instrument display and activation systems and methods
A method of validating and activating a purchase card includes providing a purchase card that is removably attached to a card carrier, wherein the purchase card has an account identifier associated therewith and has a card indicium affixed thereto, wherein the purchase card includes a machine-readable information encoding region into ...

03/01/07 - 20070045403 - System and method for locking and unlocking a financial account card
A system and method whereby a holder of a financial account card, such as a credit card or debit card, is able to disable and re-enable use of the card by locking and unlocking the card repeatedly. A request to lock or unlock a card may be provided by a ...

03/01/07 - 20070045402 - System and method for issuing and managing a plurality of credit card accounts
A system and method for issuing and managing a plurality of credit cards are provided. The system and method enables a merchant to sign up customers for their proprietary, e.g., merchant/house, credit card without credit risk to the merchant and then allowing the customers to utilize the proprietary account without ...

03/01/07 - 20070045401 - Retail package for prepaid debit cards and method for debit card distribution
A retail package for prepaid cards is disclosed which includes a card retainer, a proxy debit card retained by the retainer and adapted to be loaded with funds at a point of sale, and at least one electronic debit card retained by the retainer and requiring registration prior to use, ...

03/01/07 - 20070045400 - Distriubuted registry for personalization
Embodiments of the present invention address deficiencies of the art in respect to application personalization and provide a method, system and computer program product for application and computing environment personalization utilizing a distributed personalization data registry. In an embodiment of the invention, a personalization data processing system can include a ...

03/01/07 - 20070045399 - Card with rewriteable display
A transaction card is formed of an electrically-alterable display material. The display may be altered by the application of an external field, without requiring any circuiting on the card. The card also includes an information storage medium, and both the information storage medium and the display may be accessed by ...

03/01/07 - 20070045398 - Credit card verification system
A method and system verifies the validity of a credit card payment transaction with a set of requester account data by searching an account record database for a matched record containing a record account number that matches the requester account number and an expected verification key that matches the requester ...

02/22/07 - 20070040021 - User identification infrastructure system
There is disclosed a user identification infrastructure system which does not depend on a user identification device (token) and which sets user identification to be independent of an application (Ap) which requests or uses the user identification and to which Ap-related data can easily be added. A virtual token memory ...

02/22/07 - 20070040020 - System and method for calculating expected approval rates
The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The invention provides a system and method by which a program administrator for a company may model varying client-imposed limit scenarios in order to determine one or ...

02/22/07 - 20070040019 - Portable magnetic stripe reader for criminality security applications
A security device comprises a portable magnetic stripe reader and computing functionality associated with the magnetic stripe reader, such as a credit card reader, drivers license reader, debit card reader, club card reader, or any other element that can be mechanically read. A single device may be needed for evaluation ...

02/22/07 - 20070040018 - Systems and methods of providing inserts into envelopes
The present invention provides exemplary mail processing systems and methods, including systems and methods for retrieving paper sheets, statements, inserts and/or cards, and inserting same into an envelope. In one embodiment, an apparatus (200) includes a paper feeding mechanism (210) to feed sheets of paper into a collection bin (220) ...

02/22/07 - 20070040017 - Wireless biometric cardholder apparatus, method, & system
A wireless biometric cardholding apparatus is disclosed. The invention facilitates remote reading and writing smartcards after a user has been biometrically authenticated. The invention promotes secure, wireless exchange of data between standard smartcards and an application, via a remote external RF transceiver. This invention enables enrolled users to access physical, ...

02/22/07 - 20070040016 - System and method for completing a transaction
A method and a system complete a transaction with an identification card and/or a point of sale system. A customer tenders an amount of money to a retailer for purchasing a product and/or a service offered by the retailer and/or for completing a retail transaction with the retailer. The retailer ...

02/15/07 - 20070034690 - Mobile cellular device using access numbers
A first access number stored on the removable computer chip module is retrieved by a mobile cellular device. The first access number to a cellular network is transmitted by the mobile cellular device using spread spectrum communications. The mobile cellular device receives a second access number in response to the ...

02/15/07 - 20070034689 - Systems, methods, and apparatus for instant issuance of a transaction card
Systems, methods, and apparatus are provided for instant decisioning and remote dispensing of credit cards. In accordance with one implementation the system for instantly issuing a credit card includes means for receiving a credit card application from an applicant, means for instantly decisioning the credit card application, if declined, means ...

02/15/07 - 20070034688 - Final sale merchandise card
A system for activating a merchandise card and account that permits a card user to initially purchase or reload cash value into a merchandise account using a card issued by an issuer such as a merchant, bank, or card association via a terminal, with or without a PIN, and have ...

02/15/07 - 20070034687 - Traceability signature system, signature method and program product
A signature device having an item selection input section which accepts a selection of a group of items formed by combining an item delivered from at least one supplier and an item generated by itself, a path verification information updating section which updates path verification information to verify a delivery ...

02/15/07 - 20070034686 - Protection of non-promiscuous data in an rfid transponder
A radio frequency identification device (RFID) and method for authenticating RFIDs are disclosed. In RFIDs, data is stored in a form of data segments selectively associated with promiscuous and non-promiscuous regions of their memories. A randomly selected portion of a content of a non-promiscuous region is examined by an interrogating ...

02/15/07 - 20070034685 - Real-time verification of a transaction by its initiator
A transaction-enabling instrument, such as a credit card, a debit card, or a check, has encoded thereon in machine-readable form a telephone number of a portable wireless communications device, such as a cell phone or a PDA, of the instrument's owner, who is typically the holder of the instrument, and ...

02/15/07 - 20070034684 - Electronic money management system, electronic money management method and computer program
An internet N is connected to an electronic money management server 10 so that communications can be performed with a deposit money terminal device 30 replenishing an electronic money for an user card comprised by recording a card ID and an issuer ID, a member shop terminal device 50 reducing ...

02/08/07 - 20070029378 - Change card
A transaction card allows for retail purchases involving fractional dollar amounts to be completed without the use of coin currency. Change amounts involving less than one dollar can be either credited to or debited from a monetary value stored on a smart chip in the transaction card by placing the ...

02/08/07 - 20070029377 - Apparatus, system, and method for identification and tracking
An apparatus, system, and method are disclosed for identification and tracking. The apparatus includes a receiver guide and an applicator. The receiver guide receives a selected portion, such as a fingernail, of a target subject. The target subject may be a human or an animal. The applicator semi-permanently disposes an ...

02/01/07 - 20070023504 - Computer implemented flexible benefit plan host based stored value card product
A system, method, computer program and product to allow a card processor to use a single card with a card account number for payment from different account fund buckets. The first account fund bucket is an unrestricted general account fund bucket with funds available to make purchases of goods and ...

02/01/07 - 20070023503 - Methods for controlling access to data stored in smart cards and related devices
In a method for controlling access to data stored on a smart card, an external request for communication with the smart card is received via a first communication interface. The external request for communication may be a request for communication over a second communication interface, for example, from a smart ...

02/01/07 - 20070023502 - Composite electronic card device
A composite electronic card device is disclosed, comprising an erasable nonvolatile memory, a random access memory (RAM) . . . , CPU, cryptographic module and other electronic components. Through different cryptographic algorithms, different security application systems may arrange and configure different application program or data block required and application software, ...

01/25/07 - 20070017977 - Image processing apparatus and authentication processing method
According to one embodiment, an information processing apparatus includes: an authenticating section that authenticates a user; an inputting section that allows the user to input authentication information used for performing the authentication by the authenticating section; an upper-limit retaining section that retains an upper limit indicating a maximum number to ...

01/25/07 - 20070017976 - System and method for child card payment
A transaction system suitable for payment by card includes a child account associated with a parent account. The transaction system receives from the parent a data set representing rules which specify on which purchases the child will benefit from an incentive such as discount, coupon, rebate or gift. Upon a ...

01/25/07 - 20070017975 - Transaction card assemblies and methods
Transaction card assemblies, systems and methods of making are provided. One such assembly includes a card carrier having a card integrally formed within. The card peripherally engages the card carrier and is adapted to be removed from the card carrier. An encodable strip is disposed on the card. The strip ...

01/25/07 - 20070017974 - Transaction security apparatus and method
A transaction security apparatus, including an input device for inputting information regarding a transaction on an account involving an individual, a camera for obtaining a photograph of the individual's face, wherein the photograph is stored as a digital photograph file, a processing device, wherein the processing device processes information regarding ...

01/25/07 - 20070017973 - Transaction card and envelope assembly
A transaction card assembly and method for forming a transaction card assembly. The transaction card assembly may include one or more transaction cards that is separably attached to an envelope. The envelope may be fully formed and ready for use and attached at its outer surface to the transaction card ...

01/25/07 - 20070017972 - Credit card verification enhancement system
A method and system verifies the validity of a credit card payment transaction with a set of requester account data by searching an account record database for a matched record containing a record account number that matches the requester account number and an expected verification key that matches the requester ...

01/18/07 - 20070012764 - Method, system and portable consumer device using wildcard values
A portable consumer device is disclosed. The portable consumer device includes a body and a computer readable medium coupled to the body. The computer readable medium comprises a data string including one or more wildcard values. The data string is specifically associated with the consumer. For example, the data string ...

01/18/07 - 20070012763 - Apparatus and method for integrated payment and electronic merchandise transfer
Payment transactions using a payment infrastructure are efficiently combined with e-merchandise transactions using an e-merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function. An electronic payment device configured according to the payment infrastructure is interrogated by a payment module (also configured according to the payment infrastructure) of ...

01/18/07 - 20070012762 - Method of using a telecommunications card as generic smart card reader for a host device
A method for accessing a smart card (SIM) from a host device (TE), the smart card being connected to the host device (TE) via a telecommunications card (MT), the telecommunications card (MT) comprising a command interpreter (TA) for interpreting host device commands and a modem (ME) with associated smart card ...

01/18/07 - 20070012761 - Secure personal identification document and system for preventing unauthorized use of same
A secure personal identification document and a system for obfuscating the document in order to prevent the unauthorized use of the document, the document including at least one person identifier arranged to be viewed by another person and the system including the personal identification document and a remote controller. The ...

01/18/07 - 20070012760 - Id confirmation unit
An identification confirmation unit is provided which includes a unit for gathering an individual's physical/biometric characteristics and data stored in and on an identification card and a processor for processing information about the characteristics and data to confirm the individual's identity and for verifying that the identification card has not ...

01/11/07 - 20070007335 - Healthcare card closed loop network system
A method comprises the steps of: receiving, at a host computer, a request from a provider for payment for a charge incurred by a purchaser; identifying a plurality of funding sources of the purchaser from which to draw funds for payment of the charge; and causing at least one of ...

01/11/07 - 20070007334 - Mini atm/credit card, mini bank id card and mini key/access card
The Mini, ID, and Key cards of the present invention are characterized by a magnetic strip that is shortened with respect to the length of the card, due to the physical size limitation imposed by the physical dimensions of the card. The width of the magnetic strip is increased to ...

01/11/07 - 20070007333 - On-us cash withdrawal at a point-of-sale
Various embodiments of systems, methods, computer programs, merchant terminals, etc. for providing an on-us cash withdrawal service at a point-of-sale are provided. One embodiment comprises a method for providing a cash withdrawal service at a point-of-sale. One such method comprises: issuing an association-branded financial card to a cardholder, the association-branded ...

01/04/07 - 20070001001 - Wireless payment method and systems
A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the ...

01/04/07 - 20070001000 - Method and system for providing interactive cardholder rewards image replacement
A system for facilitating image management for portable devices is disclosed. The system includes a host configured to maintain information relating to a first portable device and a second portable device and an interface device configured to communicate with the host and the first and second portable devices. The interface ...

01/04/07 - 20070000999 - System and method for authorizing electronic payment transactions
A transaction authorization system comprises an authorization engine (18) configured to perform an analysis in relation to a received request for authorization of a current electronic payment transaction and generate an authorization output based on the analysis, and a database (22) storing a plurality of transaction records for past electronic ...

01/04/07 - 20070000998 - Display-enabled electronic system
A display-enabled electronic system. The display-card electronic comprises an external device and card-type device receiving the external device. The external device provides a data signal. The card-type device comprises a card body, at least one image display unit, and an interface. The card body comprises a display surface and a ...

01/04/07 - 20070000997 - Enhanced system and method for point of sale cash rebates
According to certain embodiments of the present invention, systems and methods are provided for providing a consumer with a rebate on purchases, which are made, for example, at a merchant. The rebate may be in a variety of forms. According to one aspect the rebate may be a reduction in ...

01/04/07 - 20070000996 - System and method for point of sale cash rebates
According to certain embodiments of the present invention, systems and methods are provided for providing a consumer with a rebate on purchases, which are made, for example, at a merchant. The rebate may be in a variety of forms. According to one aspect the rebate may be a reduction in ...

01/04/07 - 20070000995 - Imparting digital uniqueness to the types of a programming language using a unique digital sequence
A system and method for establishing uniqueness in type definition names. Each application vendor has associated therewith a unique data sequence. The data sequence is combined with the type definition name and then a digital operation is performed to produce a unique digital identifier that is used in place of ...

12/28/06 - 20060289632 - Method and apparatus for promoting the selection and use of a transaction card
One embodiment of the present invention provides for detecting a physical change at a transaction card, and, in response to detecting the physical change outputting content to attract the attention of a user. ...

12/28/06 - 20060289631 - System, apparatus and methods for automatically calculating discounts for purchases from merchants made using a reservation system
System, apparatus and methods for automatically calculating a discount for a customer offered by a merchant through a reservation system. In one example, a reservation file is provided and contains data relating to a reservation, and transaction data relating to payment card transactions is accessed. One or more elements of ...

12/21/06 - 20060283935 - Systems and methods for processing commercial transactions
Embodiments include systems and methods for processing commercial transactions. Embodiments comprise a wireless terminal that wirelessly receives patron order data, displays the data, accepts commercial card payment and prints an itemized bill. Embodiments also upload commercial card information and download an authorization result. ...

12/14/06 - 20060278698 - System, method and program product for account transaction validation
A system, method and program product for account transaction validation which may be downloaded or otherwise installed on a networked computing device such as a cell phone or other networked computing device. The networked computing device provides an encrypted validation code to a merchant for each transaction. The validation code ...

12/14/06 - 20060278697 - System, method and program product for credit card transaction validation
A personal card and method of transaction validation for the protection of credit card use in malls, restaurants, telephone and Internet orders and use of ATM. The card generates a coded validation number based on a time code, a cardholder's PIN, and the amount of purchase in accordance with a ...

12/14/06 - 20060278696 - Transaction forms and method for making
Transaction form systems and methods that include secure customer slips for use with traditional manual credit card imprinting techniques are provided. A transaction form system can include a cardholder slip, an accepter slip, and a duplication arrangement. The duplication arrangement can be configured to produce a complete image of a ...

12/14/06 - 20060278695 - Disposable hidden codes for verification of identity
Disposable Hidden Codes DHCs (42) for verification of identity are a plurality of codes (42) randomly selected and sequentially stored in a control center database and linked to an account number (30). A copy of said codes then printed on a card (20) at the same sequential order and hidden ...

12/07/06 - 20060273158 - Method and system to prevent fraudulent payment in credit/debit card transactions, and terminals therefor
The present invention enables secure, valid card payments in credit transactions to be performed, preventing fraudulent card use even in cases of loss or theft of a card or of information theft. During a transaction authorization process using a transaction terminal disposed in a credit transaction member store and connected ...

12/07/06 - 20060273157 - Lottery ticket bar code
Security can be provided for lottery tickets having data printed thereon in a bar code or other machine readable media by covering only a portion of the bar code with a scratch-off material. Removing the scratch-off material, or in some cases only a portion of the scratch-off material, can permit ...

12/07/06 - 20060273156 - Lottery ticker bar code
Security can be provided for lottery tickets having data printed thereon in a bar code or other machine readable media by covering only a portion of the bar code with a scratch-off material. Removing the scratch-off material, or in some cases only a portion of the scratch-off material, can permit ...

12/07/06 - 20060273155 - System and method for on-line commerce operations
A system and method provides for an independent provider of electronic “stored value” credit to enable a consumer of products and services to apply cash or cash equivalents to fund an electronic account, i.e., a stored value account (SVA), managed by an independent stored value provider (ISVP) in a network ...

12/07/06 - 20060273154 - Flash memory device within a business card
A flash memory device including a housing, having a form factor of a business card bearing printed information, a non-volatile memory within the housing, for storing digital information, and a connecting mechanism within the housing for a direct operational connection of the non-volatile memory to a host, such that the ...

12/07/06 - 20060273153 - System, method, and computer program product for packaging and activating stored value cards
A system, method, and computer program product are used for packaging a stored value card that unviewably secures the secured value card in the package. The package includes a readable area allowing for purchasing of the stored value card without removing it from the package or viewing it within the ...

12/07/06 - 20060273152 - Dynamic aggregation of payment transactions
A transaction aggregation method that includes the steps of receiving user data and a current transaction amount associated with a current transaction, and retrieving a reliability score for the user with the user data, and calculating an aggregation threshold based on the reliability score. The method also includes updating an ...

11/30/06 - 20060266822 - Secure credit card with near field communications
A near field communication device included in a secure transaction card provides an addition and/or transitional communication link for communicating secure transaction information. The near field communication device may be selectively engaged or disengaged and, when engaged, either active or passive modes of operation of the near field communication device ...

11/30/06 - 20060266821 - System and method for an integrated payment and reward card
An integrated rewards card includes a credit card number associated with a credit account of a person, persons, entity or a business. The integrated rewards card also includes a debit card number. The debit card number is different then the credit card number. Purchases using the credit card number cause ...

11/30/06 - 20060266820 - Visitor badge and visitor business card photo identification system and method
A system and method of supplying visitor badges and business cards for visitors to a facility includes an image capture device and/or storage device, a user interface, and a central processing unit (CPU). The image capture device selectively captures an image of a visitor and supplies visitor image data representative ...

11/23/06 - 20060261155 - Point of sale payment terminal
An integrated point of sale terminal for processing multiple payment types including payment by check includes a compact housing, a processor, and memory. The housing has a base shaped to sit on a merchant counter and has a document slot for receiving a check. The processor is disposed in the ...

11/23/06 - 20060261154 - Multi-card bulk package identifying activation systems and methods
According to one embodiment of the invention, a method of activating a plurality of gift cards utilizes a package of multiple presentation instruments. Each presentation instrument includes a unique presentation instrument identifier used to associate funds with the presentation instrument. Also, the package includes a package identifier. In one step, ...

11/16/06 - 20060255128 - Portable handheld device for wireless order entry and real time payment authorization and related methods
A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the housing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information from a transaction ...

11/16/06 - 20060255127 - System, method, and computer program product for biometric radiofrequency id
An apparatus including a biometric scanner to determine a user profile of a user; a radiofrequency ID (RFID) responsive to a configuration signal to set a dynamic attribute of said RFID; and a processing system, coupled to said scanner and to said RFID, for asserting said configuration signal when a ...

11/16/06 - 20060255126 - Stored value card validation
An apparatus and method reads magnetic stripe data and bar code data from a stored value card. The magnetic stripe data and the bar code data originally applied to the card are associated with one another. For instance, the magnetic stripe data may be encrypted to determine a number that ...

11/16/06 - 20060255125 - System and method for detecting fraudulent use of stored value instruments
The present invention is generally directed to systems and methods for detecting unauthorized or fraudulent use of stored-value instruments. A stored-value instrument can be any instrument (tangible or intangible) that may be associated with a debit account and/or may otherwise be presented for payment for goods and/or services, used to ...

11/16/06 - 20060255124 - Method and system for discovering significant subsets in collection of documents
A method (and system) of discovering a significant subset in a collection of documents, includes identifying a set of documents from a plurality of documents based on a likelihood that documents in the set of documents carries an instance of information that is characteristic to the documents in the set ...

11/16/06 - 20060255123 - Mechanism for storing authenticity information about a written or printed document
A mechanism for storing authenticity information about a written or printed document. This authenticity information may be stored in a publicly-accessible database. When a document patterned with electronic ink is to be verified, the verifier examines the electronic ink under magnification. The verifier locates start and end pattern markers within ...

11/16/06 - 20060255122 - Mechanish for ensuring authenticity of written and printed documents
A mechanism for ensuring the authenticity of written and printed documents. With the mechanism of the present invention, electronic ink is deposited onto a document, wherein the electronic ink deposited comprises at least one mark visible to a user. Current is applied to the electronic ink while the electronic ink ...

11/09/06 - 20060249575 - System and method for redeeming rewards and incentives
Transaction card comprising a substrate having a front face and a back face, a first magnetic stripe for storing data associated with a credit account, the first magnetic stripe being located along an edge of the back face, a second magnetic stripe for storing data associated with a rewards account, ...

11/09/06 - 20060249574 - Automated payment card fraud detection and location
A payment card fraud detection business model comprises an internal virtual account number generator and a user display for Card-Not-Present transactions. Card-Present transactions with merchant card readers are enabled by a magnetic array internally associated with the card's magnetic stripe. The internal virtual account number generator is able to reprogram ...

11/09/06 - 20060249573 - Systems and methods for generating, reading and transferring identifiers
Systems and methods for generating, reading and transferring identifiers are disclosed. In one embodiment, a handheld system for associating a selected audio content with an object includes an identifier applied to a surface of the object and having a predetermined graphical format that is configured to encode the selected audio ...

11/09/06 - 20060249572 - Electronic transaction system capable of improving transaction security and electronic transaction method thereof
An electronic transaction system and an electronic transaction method thereof mainly comprise at least one issuing unit to generate at least one electronic certificate capable of representing the issuing unit or transaction object and at least one personal radio frequency identification capable of representing corresponding users according to the demanding ...

11/09/06 - 20060249571 - Interest bearing gift card mechanisms
An interest bearing gift card (“IBGC”) and related methods and systems are compatible with various credit and debit card networks and may be employed almost universally. An account associated with the IBGC is credited on a predetermined basis with transaction related credits reflecting an effective monetary return on amounts maintained ...

11/09/06 - 20060249570 - System and method for accounting for activation of stored value cards
Stored value cards, such as gift cards, from different card issuers are displayed for sale and activation at retail locations. A distribution database system maintains records of cards sold at the retail locations. The system accounts to each retailer for commissions owed for cards sold by that retailer, and accounts ...

11/09/06 - 20060249569 - Monetary card with programmable customer identification code
According to one embodiment, a method for using a monetary card is provided. A customer identification code for a card may be selected by a customer. The card may include a storage system that stores a monetary value. The selected customer identification code may also be stored in the storage ...

11/02/06 - 20060243794 - Transactional card system and encoding method
An encoded transactional card system comprising a carrier having a first side, a second side, a top side, a bottom side, a front and a back; a card having a first side, a second side, a top side, bottom side, a front and a back, wherein the card is connected ...

11/02/06 - 20060243793 - Value unit
A value unit for conveying or transferring value, currency, information, data, images, video and/or audio and comprising a thin medium for attachment to mail, packages, documents or other items to be transferred or exchanged or for use as a financial or informational card, check or other instrument, a readable/writeable memory ...

11/02/06 - 20060243792 - Stored-value card for variable printing and methods of using and making the same
A stored-value card is provided which can be customized or imprinted with customer-friendly information at a point-of-sale. The stored-value card is made of a flexible material and includes a machine-readable data storage medium. The stored-value card also has at least one ink-receptive printable region which allows variable printing. One or ...

11/02/06 - 20060243791 - Tamper resistant presentation instruments and methods
In one embodiment, a presentation instrument comprises a card body having machine readable information stored thereon. A protective device is coupled to the card body so as to be disposed over at least a portion of the machine readable information such that the machine readable information is incapable of being ...

10/26/06 - 20060237530 - Portable transaction terminal having an image recognition system
Portable transaction terminal includes a processor, an imager configured to produce a digital image of a payment card using a source of continuous light, the imager being operably linked to the processor, and an image recognition module that performs image recognition and that is configured to produce or extract data ...

10/26/06 - 20060237529 - Secure credit card adapter
A secure card adapter provides for writing of highly secure, single transaction information on a machine-readable medium of a card structure in accordance with a format that may be downloaded from an external data source. The card structure may be, for example, an existing access authorization card or an existing ...

10/26/06 - 20060237528 - Systems and methods for non-traditional payment
The present invention includes systems and methods for facilitating transactions using non-traditional devices. A method of the present invention includes the steps of forming a transaction request at a non-traditional device, and communicating the transaction request to a reader. In one embodiment, the non-traditional device may be configured with a ...

10/19/06 - 20060231611 - Radio frequency identification purchase transactions
Methods and systems for using a Radio Frequency Identification (RFID) payment card are disclosed herein. The method generally comprises receiving an indicia identifying an RFID card, receiving a request to activate the RFID card, activating the RFID card by associating an initial value with a database record associated with the ...

10/19/06 - 20060231610 - Handheld system and method for age verification
A handheld computer enables an operator to authenticate an ID, determine if an ID holder is above a minimum age, and enables the collection of data about the ID holder if the ID holder is determined to be above the minimum age. The computer also displays an optional video after ...

10/19/06 - 20060231609 - Stored-value card assembly with package
A stored-value card assembly includes a stored-value card, a package, and a backer. The stored-value card includes an account identifier adapted to link the stored-value card to a financial account or a financial record. The package includes a container and at least one good enclosed within the container. The backer ...

10/12/06 - 20060226217 - Sleeve for electronic transaction card
A sleeve provides communications between an electronic transaction card and an intelligent electronic device. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale ...

10/05/06 - 20060219776 - Rfid reader with multiple interfaces
A pocket-size RFID reader apparatus having a contactless interface and a slot for insertion of a contactless smart card fob, and having a biometric sensor, thereby providing two levels of personalization. The apparatus may have a wireless interface; and a slot for insertion of a wireless SD I/O device. The ...

10/05/06 - 20060219775 - Method and system for processing a transaction
A method of, and system for, processing payment for a transaction is provided. The method includes providing a user with an option to select payment for the transaction from an account associated with a communication line via which an electronic terminal is connected to a communication network. The communication line ...

10/05/06 - 20060219774 - Network support for credit card receipt reconciliation
An apparatus in one example has: a telecommunications network having at least a receipt database; a mobile terminal having predetermined wireless communication functionality, the mobile terminal operative coupled to the telecommunications network; and a point of sale terminal wirelessly connectable to the mobile terminal. ...

09/28/06 - 20060213983 - Method and apparatus for issuing and managing gift certificates
The present invention relates to a method and apparatus for issuing and redeeming a gift certificate drawn on a credit card or other financial account. The present invention includes a first aspect directed to a merchant card authorization terminal and a second aspect directed to a credit card issuer central ...

09/28/06 - 20060213982 - Biometric identification device with smartcard capabilities
A smartcard-enabled BPID Security Device integrates a smartcard reader with a biometric authentication component to provide secured access to electronic systems. The device allows for an individual to insert a smartcard into an aperture in the physical enclosure of the BPID Security Device, allowing the smartcard and the BPID Security ...

09/28/06 - 20060213981 - Portable information processing terminal apparatus
In a hospital information system, a PDA reads identification information attached to patients and medicines. A positional information acquiring unit acquires the information on the position of the PDA and restricts a function of an RF reader in accordance with the acquired positional information. The positional information acquiring unit may ...

09/28/06 - 20060213980 - Method and system of detecting cash deposits and attributing value
The present invention relates to stored value cards and improved bank processing systems. In particular, it relates to systems and methods that load value into demand deposit and plastic account number accounts corresponding to the stored value card and make funds available without delay, even for the unbanked. It also ...

09/28/06 - 20060213979 - Method and system of detecting fraud and incremental commitment of value
The present invention relates to stored value cards and improved bank processing systems. In particular, it relates to systems and methods that load value into demand deposit and plastic account number accounts corresponding to the stored value card and make funds available without delay, even for the unbanked. It also ...

09/28/06 - 20060213978 - Method and system of advancing value from credit card account for use with stored value account
The present invention relates to stored value cards and improved bank processing systems. In particular, it relates to systems and methods that load value into demand deposit and plastic account number accounts corresponding to the stored value card and make funds available without delay, even for the unbanked. It also ...

09/28/06 - 20060213977 - Bank card with sweepstakes feature
A method of purchasing goods or services with use of a bank card. The bank card is issued to consumers as a means of identifying the consumers and for extending credit to the consumers for the purchase of goods or services. A database is established of those consumers which hold ...

09/28/06 - 20060213976 - Article reader program, article management method and article reader
An article reader program of this invention comprises: detecting that a display of data concerning a first article is instructed by a user; calculating an article relevance degree between the first article and a second article; extracting the second article whose article relevance degree with the first article satisfies a ...

09/28/06 - 20060213975 - Strategies for handling transactions based on policies
A transaction handling system and associated method are described for handling transactions based on a plurality of rule sets that apply to point sets (where the point sets contain points that can be consumed for goods and services, or have some other end-use connotation). Namely, the rule sets can be ...

09/28/06 - 20060213974 - Bank card with lottery feature
A method of purchasing goods and services in combination with a gaming feature is described. Consumers are provided with a bank card which acts as a means of identifying consumers, extending credit to them and communicating purchasing data to a centralized location. A pool of funds is established in relationship ...

09/28/06 - 20060213973 - Electronic card assembly
An electronic card assembly is provided which includes a protective housing having a movable card therein. The card, in one example one having a magnetic stripe, has its information erased when being inserted into the housing and re-written back onto its information portion (magnetic stripe) during card withdrawal, provided appropriate ...

09/28/06 - 20060213972 - Secure credit card with near field communications
A near field communication device included in a secure transaction card provides an addition and/or transitional communication link for communicating secure transaction information. The near field communication device may be selectively engaged or disengaged and, when engaged, either active or passive modes of operation of the near field communication device ...

09/28/06 - 20060213971 - Secure credit card adapter
A secure card adapter provides for writing of highly secure, single transaction information on a machine-readable medium of a card structure in accordance with a format that may be downloaded from an external data source. The card structure may be, for example, an existing access authorization card or an existing ...

09/28/06 - 20060213970 - Smart authenticating card
An authenticating card 10 for use in a transaction includes a memory 15 and a processor 20. Biometric data of an authorized user of the card 10 are stored in the memory 15 when the card is used for the first time. The processor 20 receives acquired biometric information 25 ...

09/21/06 - 20060208068 - Ic-card service period setting method, ic card, ic card case and battery charger
A method of setting validity period of IC card, includes preparing IC card including change unit whose state changes with lapse of time starting from initial state without external power, measuring unit configured to measure state of change unit so as to generate information indicating whether or not validity period ...

09/21/06 - 20060208067 - Electronic value exchange system and electronic value exchange method
The present invention is directed to avoidance of inconvenience arising from application program's incapability of recognizing processing executed on the IC card side, interruption of communication between IC cards, and so on on the occasion of an exchange of electronic values between the IC cards. A portable terminal 20, when ...

09/21/06 - 20060208066 - Rfid token with multiple interface controller
An RFID token apparatus has a connection module for interfacing with an appliance capable of communicating and interacting with remote servers and networks, a translation module for moving signals between a USB interface and a smart card interface, a processor module which may be capable of operating as a dual-interface ...

09/21/06 - 20060208065 - Method for managing consumer accounts and transactions
A method and system includes at least one transaction network configured to route credit card or ACH/debit card transactions. A compilation credit card is associated with the existing credit card accounts of the consumer. A compilation card service provider has a compilation card database that stores information about the plurality ...

09/21/06 - 20060208064 - Method for managing consumer accounts and transactions
A method and system permits a consumer to access one of a plurality of existing credit card accounts belonging to the consumer. The system includes at least one transaction network configured to route credit card or ACH/debit card transactions. A compilation credit card is associated with the plurality of existing ...

09/21/06 - 20060208063 - Multiple device and/or user association
Methods and devices are provided for automating a login process and user/device associations. A user's preferred device settings and/or functions may be provisioned automatically. Some implementations provide an automated log out or “sleep” when a user leaves one or more of the devices. Users may be automatically identified and associated. ...

09/21/06 - 20060208062 - Injection molded gift case for debit, credit and smart cards
A one-piece gift case for flexible plastic magnetic or smart cards is loosely patterned after digital video disc cases, in that it is of clamshell design, having a spine, front cover, and rear cover s interconnected by “living” hinges. Made preferably of polyolefins, the rear cover of the case incorporates ...

09/14/06 - 20060202025 - Mobile phone charge card notification and authorization method
An added level of security is added to charge card transactions. Upon presenting a credit card for a purchase, for example, the cardholder receives a message on his cell phone that a charge authorization request has been received. The cardholder may also be prompted to reply with a password or ...

09/07/06 - 20060196933 - Ic-card service period setting method, ic card, ic card case and battery charger
A method of setting validity period of IC card, includes preparing IC card including change unit whose state changes with lapse of time starting from initial state without external power, measuring unit configured to measure state of change unit so as to generate information indicating whether or not validity period ...

09/07/06 - 20060196932 - Rules management systems and methods
A method of providing bankcard services includes receiving at a host computer system information from a client defining an event. The method includes receiving at the host computer system information identifying a condition relating to at least one element associated with bankcard accounts. The method further includes receiving at the ...

09/07/06 - 20060196931 - Methods, system and mobile device capable of enabling credit card personalization using a wireless network
Methods of creating a secure channel over which credit card personalization data can be transmitted over the air (OTA) are provided. In particular, Generic Authentication Architecture (GAA) may be used to establish a secure communication channel between the user equipment (UE) and a personalization application server or bureau acting as ...

09/07/06 - 20060196930 - Categorization of financial transactions
A user records categorization information on a financial instrument used to conduct a financial transaction. A financial entity that handles the financial instrument processes the categorization information recorded on the financial instrument. The financial entity uses the processed categorization information to generate a report for the user. The financial entity ...

09/07/06 - 20060196929 - Multiple use secure transaction card
Diverse and or multiple functions are performed in a secure manner using a secure transaction card which validates a holder of the secure transaction card in accordance with a Personal Identification Number (PIN), generates, encrypts and transmits a pair of pseudo-random number sequences through a card reader to validate the ...

08/31/06 - 20060192000 - Method for authenticating ruim card
A method for authenticating a RUIM card comprises: determining whether authentication process proceeds or not depending on identification of an external input code with an internal storage code; generating an authentication parameter with a RUIM identifier and an ESN (Electric Serial Number); generating a final authentication value with an authentication ...

08/24/06 - 20060186197 - Method and apparatus for wireless customer interaction with the attendants working in a restaurant
An apparatus and method are disclosed of a wireless system for customers to interact with attendants (e.g waiters) in restaurants. The system provides for a computing system that transmits electronic menus to wireless portable digital assistants (PDA's) and enables customers to place orders and make real-time service requests. For example, ...

08/24/06 - 20060186196 - Stored-value card assembly with a plurality of stored-value cards
A stored-value card assembly includes a plurality of stored-value cards and a package. The plurality of stored-value cards each include an account identifier linking the respective stored-value card to a different financial account or record. The package is configured to maintain the plurality of stored-value cards such that the account ...

08/24/06 - 20060186195 - System for increasing the security of credit and debit cards transactions
A system for facilitating a commercial transaction by a consumer includes a card or electronic storage device which includes a first number for identifying a financial account of the consumer and a second number, related to the first number, for use in authorizing a transaction involving the financial account of ...

08/17/06 - 20060180660 - Electronic identification system
An electronic identification system comprising a system server and a plurality of mobile devices, the system server and the mobile devices being electronically connectable, where the system server contains references to a plurality of subscribers to the system. The system server receives an electronic request message from a remote location ...

08/17/06 - 20060180659 - Patient information management system
An apparatus and system is disclosed for an improved patient information management system in a medical setting. The present invention relates to a remote patient information system comprising workstations, handheld computers, and wireless portable printers or portable-computing and labeling systems that facilitate the fulfillment of orders for patient specimen collection ...

08/17/06 - 20060180658 - Credential communication device
A credential communication device and method adapted to transmit and receive data, including means to process said data in order to effect credential verification and trusted mutual recognition between the device and a second credential communication device, without reference to a third party, further including at least one proximity conductor ...

08/10/06 - 20060175397 - System and method of reporting lost or stolen cards
The system and method of reporting lost or stolen cards allows an individual to use one website to report multiple lost or stolen cards. A user enters lost card information on a card-reporting website. The information for the card is then sent through an e-mail to a card-issuing company. Once ...

08/10/06 - 20060175396 - Systems and methods for managing and using prepaid purchasing accounts
The present invention extends to managing prepaid purchasing accounts and depositing funds therein. A kiosk and management system are connected over a network. The management system maintains purchasing accounts usable for multiple product or service purchases. To make a deposit, the consumer enters credentials at the kiosk, the credentials identifying ...

08/10/06 - 20060175395 - Desktop card processor
A desktop card processor having increased card processing capabilities without increasing the horizontal footprint of the card processor. The card processor utilizes multiple card processing levels stacked in vertically separated levels to minimize the horizontal footprint of the card processor. ...

08/03/06 - 20060169768 - System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods
A system to provide a customized set of identification data to facilitate a transaction and related methods are provided. The system includes a server configured to store personal control IDs and sets of personal data and configured to store a data profile derived from a set of personal data associated ...

08/03/06 - 20060169767 - Device and methods for secure transactions
Embodiments of the present invention provide users with apparatus and methods for managing user data and for making and accepting payments. A system for enabling secure payment transactions comprises user hardware, recipient hardware, and a data system, in accordance with an embodiment of the present invention. The data system comprises ...

07/27/06 - 20060163347 - Customer enrollment in a stored value card program
Customer enrollment in a stored value card program is provided. One embodiment is a method for enrolling a customer in a stored value card program. One such method comprises: generating a list of unaffiliated stored value card programs; and when enrolling a new customer in a new stored value card ...

07/27/06 - 20060163346 - Method and server of providing lotto using bill and receipt of credit card or debit card
Disclosed herein is a method and a lotto supply server of providing lotto using a bill or a receipt of a credit or debit card, and utilizing the front and the back side of a receipt or a lotto as an advertising space, in which, a financial VAN company accumulates ...

07/27/06 - 20060163345 - Wireless payment methods and systems
A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the ...

07/27/06 - 20060163344 - Biometric delegation and authentication of financial transactions
A method and system that enables a customer to delegate or authorize another individual to perform a financial transaction is provided. This system uses a smart card and a biometric scanner or reader writer, or a biometric device without a smart card. The smart card holds personal and financial accounts ...

07/27/06 - 20060163343 - Virtual card service system and method
Disclosed are a system and method of providing a virtual card service. The virtual card service system includes a mobile communication terminal for transmitting an amount of withdrawal money and a withdrawing term for a virtual cash card to the virtual card service system, a virtual cash card system for ...

07/20/06 - 20060157559 - Systems and methods for document verification
A method for issuing a credential includes scanning in documents (e.g., breeder or ID documents) used to verify the applicant of the credential and creating data records including the image of the documents. As a means to reduce fraud, these data records are linked to the credential and to the ...

07/20/06 - 20060157558 - Infoscan
This idea integrates the use of a secure computer program for the storage and retrieval of personal information. It consists of a portable system such as a small scanner with the capacity of reading a credit card sized object, which contains the information to be secure. This information carried in ...

07/20/06 - 20060157557 - Method and apparatus for performing benefit transactions using a portable intergrated circuit device
A portable electronic data storage/processing device, e.g., smart card maintains an account including benefit packages. Each benefit package includes multiple items with associated quantity information. A smart card includes an account benefits interface and a retailer interface, each interface using different security measures. New benefit packages are added to the ...

07/20/06 - 20060157556 - Stored-value card with light
A stored-value card includes a housing and a light circuit. The housing defines a first primary panel and a second primary panel spaced from the first primary panel. The first primary panel defines an account identifier signifying a financial account linked to the stored-value card. A side is defined between ...

07/20/06 - 20060157555 - Stored-value card with sound and light
A stored-value card includes an electrical assembly, a housing, and decorative indicia. The electrical assembly stores an audio file and includes at least one light and a speaker. The housing generally encloses the electrical assembly and includes an account identifier and an activation area. The account identifier signifies a financial ...

07/20/06 - 20060157554 - Stored-value card with game
A stored-value card including a housing, a game, and an object. The housing includes an account identifier adapted to link the stored-value card to a financial account or a financial record. The game is enclosed within the housing. The object is also enclosed within the housing and placed to selectively ...

07/20/06 - 20060157553 - Accommodating multiple users of a secure credit card
A secure credit card provides for secure transactions by users other than a holder of the secure credit card by providing storage for additional personal identification numbers (PINs) for authorized users. Transactions for authorized users may be controlled in accordance with individual user profiles stored in the secure credit card ...

07/13/06 - 20060151599 - Renewal method and renewal apparatus for an ic card having biometrics authentication functions
A renewal apparatus for an IC card, which utilizes biometrics information to perform individual authentication, prevents the divulgence of biometrics data during renewal, while rigorously confirming the identity of the individual. A control unit confirms the identity of the individual in biometrics authentication by the biometrics authentication functions of an ...

07/13/06 - 20060151598 - Categorization based spending control
A categorization based spending control at the time of purchase is provided. An account holder may establish spending limits for categories of products and/or services, and establish filter limits based on merchant location, time, and day. The merchant may be associated with a spending category. The merchant point of sale ...

07/06/06 - 20060144928 - Data processing method, system and apparatus for processing a variety of demands from a service provider
An IC card issuer issues an IC card and requests a card memory area operator to lend part of a memory area of the IC card to another card memory area user. The card memory area operator provides a memory area division apparatus and various data to the memory area ...

07/06/06 - 20060144927 - Identity verification systems and methods
Systems and methods are disclosed for verifying customer identifications. In one embodiment, the method comprises receiving, at a transaction gateway, a communication associated with a transaction initiated by a customer; determining the communication includes an identity verification request to verify encoded data obtained from an identification presented by the customer; ...

07/06/06 - 20060144926 - Method and apparatus for providing multiple transaction cards in assembly
A transaction card assembly and method for forming a transaction card assembly. The transaction card assembly may include two or more transaction cards that are each useable with different issuers. A first transaction card may be useable only with a first issuer, and the second transaction card may be useable ...

07/06/06 - 20060144925 - System for facilitating online electronic transactions
The invention provides systems and methods within existing business and technology infrastructures and processes for facilitating an electronic transaction including payment by an account issuer to a merchant for online purchases by a consumer. The invention uses a web services model including request and response messages to provide simplified authentication ...

06/29/06 - 20060138217 - Smart card handling system
A smart card handling system is for handling a plurality of smart cards. It includes an infeed mechanism, a discharge mechanism, a rotary drum, an indexing mechanism, a motor and a control system. The rotary drum has a plurality of evenly spaced smart card read modules. The drum is mechanically ...

06/29/06 - 20060138216 - Smart phone with a scan and identification
A smart phone with a scan and identification function is disclosed. The smart phone includes a phone body, a scanning module, a phone processing module and a text identification module. The phone body has a display module disposed thereon. The scanning module is disposed in the phone body, and has ...

06/29/06 - 20060138215 - System for operating a prepaid reloadable debit card having ancillary services
Disclosed is a system for operating a prepaid reloadable debit card. The system includes providing ancillary services associated with the prepaid reloadable debit card. The prepaid reloadable debit card is primarily directed to the “unbanked” population and may provide a means for remittance to immigrants for transferring funds to family ...

06/29/06 - 20060138214 - Financial transaction card
A secured method of storing personal credit card information that may be used for Internet purchasing or debit exchanges on the Internet or networked computers and also for over-the-counter purchases for businesses that have computer equipment but lack credit card readers or credit card imprint machines. Credit card information is ...

06/22/06 - 20060131398 - Transaction card assemblies and methods
Transaction card assemblies, systems and methods of making are provided. One such assembly includes a card carrier having a card integrally formed within. The card peripherally engages the card carrier and is adapted to be removed from the card carrier. An encodable strip is disposed on the card. The strip ...

06/22/06 - 20060131397 - Protected content distribution system
A rights management system, method and device for managing use of items having usage rights associated therewith by enforcement of the usage rights with repositories, including a client device adapted to request an item and receive the item and a usage right associated with the item and specifying a permitted ...

06/22/06 - 20060131396 - Selectable multi-purpose card
A selectable, multi-purpose card comprising a plurality of features stored in memory means operatively mounted on the card and selection means for allowing a user to select a feature in a few simple steps, preferably in a single step. In one embodiment the card includes a plurality of magnetic strips ...

06/22/06 - 20060131395 - System and method for checkless cash advance settlement
A checkless cash advance settlement system and method are provided, including the following steps: (1) a customer initiates a Debit or Credit POS transaction via one of several possible systems, e.g., Kiosk, ATM or wireless device; (2) the customer receives authorization or denial from the selected system; (3) if authorized, ...

06/22/06 - 20060131394 - Transaction card assemblies and methods
Transaction card assemblies, systems and methods of making are provided. One such assembly includes a card carrier having a card integrally formed within. The card peripherally engages the card carrier and is adapted to be removed from the card carrier. An encodable strip is disposed on the card. The strip ...

06/22/06 - 20060131393 - Multi-role transaction card
Transaction cards, transaction card systems, and methods for operating the same are provided. A transaction card has a display, a non-volatile memory having a plurality of transaction data sets each set having data for one of a plurality of transaction partners with whom a consumer holding the transaction card can ...

06/22/06 - 20060131392 - Transaction card system and approach
A deferred-type payment approach facilitates transaction card management and processing. According to an example embodiment, a user's transaction card purchases are authorized against a purchase limit associated with a consideration-bearing (e.g., interest-bearing) account. The purchases are tracked and, at the end of a billing cycle, provided to the user via ...

06/22/06 - 20060131391 - Method for effecting ticket-based transactions using a wristband
A process for effecting ticket-based transactions includes attaching a band to a definite object. The band for carrying out the process has a plurality of removable tickets with each ticket bearing band-specific indicia usable in effecting a transaction. During the process, the band is associated with the definite object in ...

06/22/06 - 20060131390 - Method and system for providing transaction notification and mobile reply authorization
A system and a corresponding method are described for providing a notification of a pending transaction request and obtaining an authorization from a cardholder. The system maintains a database of account records, each of the account records including a phone number of a mobile device assigned to receive authorization request ...

06/22/06 - 20060131389 - Data card authentication system and method
The present invention provides a method and an apparatus for authenticating a data card. The method for authenticating a data card having data storage comprises the steps capturing an image of the data card and comparing the image with a predetermined image to authenticate the data card. Alternatively, the method ...

06/22/06 - 20060131388 - Method at the production of an identity card or similar, and an arrangement at the production of such a card
The present invention relates to a method and to an arrangement for producing an ID document (9) or a like document in which a photograph (2) shall be included in the ID-document and in which the photograph (2) is produced in a digital form and transferred (7) for direct copying ...

06/15/06 - 20060124732 - System and method for dispensing of a receipt reflecting prepaid phone services
A system and method for electronic purchase of prepaid telephone services is provided. An initiating terminal receives input of a customer's request to purchase a specified amount of prepaid telephone services and receives input of the customer's designation of a financial account from which to electronically debit the price of ...

06/15/06 - 20060124731 - Judgment systems and methods
Judgment systems and methods. The system includes a signal gathering module, an attribute retrieval module, a rule retrieval module, and a rule execution module. The signal gathering module receives identification of at least a first card and a second card, and defines statuses thereof. The attribute retrieval module retrieves attributes ...

06/08/06 - 20060118621 - Transaction card system having security against unauthorized usage
A system having a host having information regarding at least one transaction card account. The host functions to transfer card data to a drone card carried within the host. The host includes a biometric sensor or other suitable identification means for authentication of the user prior to use of the ...

06/08/06 - 20060118620 - Ic card operation management system
In a data transfer device which performs a data transfer processing to transfer data of a plurality of service applications in an old IC card to a new IC card, a list information acquisition unit acquires application list information of the plurality of service applications in the old IC card ...

06/08/06 - 20060118619 - Data storage and access systems
Data storage and access systems are described for downloading and paying for data such as audio and video data, text, software, games and other types of data. A portable data carrier has an interface for sending and receiving data, non-volatile data memory for storing received content data and non-volatile payment ...

06/08/06 - 20060118618 - Stored-value card adapted to be read by an electronic device
A stored-value card including a first surface and a second surface. The first surface stores data adapted to be read by an electronic device to perform at least one interactive activity. The second surface is opposite the first surface. The second surface includes account indicia signifying a financial account linked ...

06/08/06 - 20060118617 - Electronic money conversion apparatus
This invention includes an IC card reader/writer (50) which reads and writes data from and to an IC card (100), an input unit (20) for inputting the amount or the number of points to be converted, and a conversion processing unit (40) which subtracts the amount or the number to ...

06/08/06 - 20060118616 - Stored-value card adapted to be read by an electronic device
A stored-value card including a first surface and a second surface. The first surface stores data adapted to be read by an electronic device to perform at least one interactive activity. The second surface is opposite the first surface. The second surface includes account indicia signifying a financial account linked ...

06/08/06 - 20060118615 - System and method for secure transmission of electronic information
The present invention provides a novel system and method for securely transmitting data. In an embodiment, the system is a merchant POS system that comprises a plurality of POS stations all of which are connected to a communications switch via a network. The POS stations each include a reader and ...

06/08/06 - 20060118614 - Method for secure storing of personal data and for consulting same, chip card, terminal and server used to carry out said method
A method for the secure storing of personal data and for consulting same is carried out in a terminal that is connected to a chip card reader and fitted with a man-machine interface. A browser executing on the terminal conducts a dialogue with a remote server by way of a ...

06/01/06 - 20060113380 - Biometric security system and method
The invention includes biometric security systems and related methods. In a device according to the invention there is an interface plate, a housing and a biometric receiver. The housing and biometric receiver may be mounted to the interface plate, and the interface plate may be secured to a mounting plate. ...

06/01/06 - 20060113379 - Triggering a proactive session from an applet in a smart card
establishing (E6) a command, for example for a call establishment or short message sending request, according to the parameters read in the second awakened part, and transmitting the command established to the communication interface. ...

06/01/06 - 20060113378 - User programmable interactive display device and method
A method for transferring data from a user station to a portable electronic display device includes providing one or more data sets, linking the data sets together in a predetermined sequence for accessing the data sets, and providing each data set with one or more data frames. Each data frame ...

06/01/06 - 20060113377 - Compact electronic unit with display
An electronic unit for storing and displaying information includes a case, a computer having storage capability for electronically storing information and a processor for generating display signals corresponding to the stored information. A display screen is mounted within the case and connected to the processor for receiving the display signals ...

05/25/06 - 20060108413 - Methods and systems for customer validation using an indentification document and/or one or more pins
The present invention provides systems and methods for remote authorization of fuel dispensing and authorization or confirmation of participation in frequent shopper programs, club memberships, and the like. In one embodiment, identification documents may be used as membership cards for a retailer's membership or frequent shopper program. In another embodiment, ...

05/11/06 - 20060097041 - Identification barcode assigning method, identity verifying method, identification barcode assigning device, identity verifying device, and portable terminal device
A method for assigning an identification barcode to a party desiring identity verification. A barcode request signal is received from the party, including a sender number of the party, and a barcode is generated for the party. The generated barcode is transmitted to the party. An assigning device is provided ...

05/11/06 - 20060097040 - System and method for securing the initialization of an inherently non-secure smartcard controller
A system and method for securing the initialization of a Smartcard controller and a Smartcard terminal incorporating the system or the method. In one embodiment, the system includes: (1) a firmware loader associated with a Smartcard controller and configured to receive and authenticate firmware and provide an associated Smartcard driver ...

05/11/06 - 20060097039 - Change card
A transaction card allows for retail purchases involving fractional dollar amounts to be completed without the use of coin currency. Change amounts involving less than one dollar can be either credited to or debited from a monetary value stored on a smart chip in the transaction card by placing the ...

05/11/06 - 20060097038 - Ic card data chain
An IC card data chain stores each datum formed in a data chain by utilizing an index read-and-write rule so that the IC card data chain has multi-functions. ...

05/11/06 - 20060097037 - Electronic value transfer device equipped with non-contact ic interface
An electronic value transferring device such as a high speed and large capacity computer or mobile terminal device is disclosed that can function as a contactless IC card performing electronic value operations. The device is connectable to an IC card that performs electronic value operations, and includes a microprocessor for ...

05/04/06 - 20060091200 - Method and apparatus for integrating a mobile phone with a contactless ic card
The present invention is to provide a method and an apparatus for integrating a mobile phone with a contactless IC card, wherein various data are preinstalled in the mobile phone for conducting different business transactions for a user simply by using a man-machine interface of the mobile phone to control ...

04/27/06 - 20060086787 - Systems and methods for facilitating purchases and tax recovery
A method includes storing information associated with at least one purchaser in a database. The information may include discount or rate information to be applied when calculating charges for purchases. The method also includes receiving, from a seller, payment card information associated with the sale of fuel to a first ...

04/27/06 - 20060086786 - Covers having rfid functionality for portable electronic devices
A cover for electronic hand-held devices providing RFID-operability and/or other functional keypad overlay to extend or expand the operation of the device to permit the user to perform additional actions or transactions facilitated by the RFID-operable cover. Method of using the cover for conducting business transactions are also included. ...

04/27/06 - 20060086785 - Portable electronic apparatus and method of updating application in portable electronic apparatus
In the case where a portable electronic apparatus having a rewritable non-volatile memory updates a first application stored in a storage area of the non-volatile memory with a second application, the apparatus installs the second application for updating a first application on a storage area of the non-volatile memory while ...

04/20/06 - 20060081702 - System and method for universal consumer cards
A system and method for universal consumer cards includes a network of linked databases utilized to generate and maintain cross-references between universal consumer cards and a plurality of other traditional consumer cards. Consumers utilize the system by being issued a linked card of a similar physical character to a traditional ...

04/20/06 - 20060081701 - Method and apparatus for verifying connectivity of an instrumentation system
An instrumentation system including a plurality of sensors attached to a test piece, each of the sensors provided with an electrical signal generating device and an electrical signal measurement device. Each sensor is located remotely from its electrical signal measurement device, and connected thereto by connectors. A method of testing ...

04/20/06 - 20060081700 - Secure credit card having daily changed security number
A secure credit card having daily changing security number is disclosed. The upper half portion of the secure credit card has a magnet strip and its thickness is same as a normal credit card, so it can be read by a credit-card reader. The bottom half portion of the secure ...

04/20/06 - 20060081699 - Method and device for recharging a credit to chip cards
A method for recharging chip cards, the recharging being made from a terminal which is connectable to a service center for recharging the chip card. During the process either data are filled in a filling-in coupon or the data are gained by reading a bar code in combination with a ...

04/13/06 - 20060076403 - Point card, point card processing apparatus, and point card system
A point card system according to the present invention includes a customer ID recording area 20, a service point recording area 24, an information recording area 22, and a browse flag recording area 23. The customer ID recording area 20 records unrewritable customer identification information. The service point recording area ...

04/13/06 - 20060076402 - Method for authorizing an auxiliary account using identification wristbands
A process for electronic authorization to access a common account via personal identification devices such as Radio Frequency Identification (RFID) tags, such as may be mounted on a wristband. RFID wristbands for auxiliary users are not authorized by a cashier/operator unless a primary account holder's RFID wristband is utilized as ...

04/13/06 - 20060076401 - Method and apparatus for synchronization of proximate rfid readers in a gaming environment
The present invention provides a system and method for an improved player tracking in a gaming environment. Certain embodiments include a plurality of radio frequency identification (RFID) readers for detecting a response signal from an RFID tag, an RFID tag generating a response signal including identification data in response to ...

04/06/06 - 20060071066 - Pcmcia-compliant smart card secured memory assembly for porting user profiles and documents
A portable profile carrier stores and securely transports a user's profile and data files from one computer to the next. The profile carrier is a two-component assembly comprising a smart card and a PCMCIA smart card reader. The reader is physically constructed in a form factor of a PCMCIA card ...

04/06/06 - 20060071065 - Methods, systems, and articles of manufacture for a financial card having warning features
Methods, systems, and articles of manufacture for managing possession of a financial card product are disclosed. The system consists of a transmitting device, where the transmitting device is capable of being attached to a financial card product and transmitting a pulsed electromagnetic signal. The system also consists of a separate ...

03/30/06 - 20060065716 - Indirect customer identification system and method
A database system and method is presented that updates a retail transaction database for each transaction by extracting a name from a payment mechanism. Associations already made between the customer records, the transactions database, and the payment account database are used in conjunction with the extracted name to create additional ...

03/30/06 - 20060065715 - Charge settlement device and charge settlement system
The charge settlement device of the invention has an information reading unit. When a certain fee is charged to a user and the user places a contactless storage medium, which stores electronic money information and user identification information for identification of the user, close to the information reading unit, the ...

03/30/06 - 20060065714 - Passport reader for processing a passport having an rfid element
A passport reader for processing a passport having an RFID element associated therewith. A exemplary embodiment of the invention provides a passport reader for processing a passport having an RFID element associated therewith including an RFID interrogation source for interrogating and obtaining information from the RFID element associated with a ...

03/30/06 - 20060065713 - System and method for monitored administration of medical products to patients
A system and method for monitored administration of medical products to patients. In one implementation, the system includes: an RFID tag article disposable on or in proximity to a patient, including a first RFID tag containing first information relevant to administration of medical product to the patient; a medical product ...

03/23/06 - 20060060648 - Method and apparatus for storing and reading medical records from a magnetic card
A method of providing medical personnel with a patient's preselected medical information. The method comprises the steps of providing a card having at least one magnetic strip disposed thereon and embedding the patient's preselected medical information into the at least one magnetic strip disposed on said card. ...

03/16/06 - 20060054689 - Contents distribution system, method thereof, accounting device, contents distribution apparatus, and program
A contents distribution system capable of using contents from a wireless device without using a Kiosk terminal, its method, an accounting device, a contents distribution apparatus, and a program. A wireless device 10 issues a purchase request for contents to a contents server 30. The wireless device 10 accepts payment ...

03/16/06 - 20060054688 - Transaction security system
The present invention is a method and system for protecting an identity of a user. The method includes conducting a transaction with a transaction medium issued from of an institution, which provides transaction information to the institution. A government-issued identification number (GIN) of the user and a personal identification number ...

03/16/06 - 20060054687 - System and method for an integrated entertainment device network
An integrated entertainment device network is provided using a unique debit card issued to a subscriber. A plurality of debit card readers are provided, each of which are coupled to a corresponding entertainment device. A debit card hub is coupled to each of the debit card readers and configured to ...

03/16/06 - 20060054686 - Device comprising two mutually adapted impedances for the purpose of power transmission
A device (1) for processing a signal (S) has firstly an antenna configuration (5) that is arranged to transmit a signal (S), that has at least one antenna-configuration terminal (6, 7) intended for connecting the antenna configuration (5) to a circuit (2), and that has an antenna-configuration impedance (ZA) at ...

03/09/06 - 20060049243 - Ic card, terminal device, and data communications method
The present invention avoids duplication and loss of digital contents by a transmitter/receiver and a malicious third party when the digital contents are transmitted on a communication platform where direct communication is performed between IC cards. A data communications method relating to the present invention includes the steps of executing ...

03/02/06 - 20060043173 - Personal account protection system
A security system for a transaction card having a magnetized strip, protection icon, account number, name, and expiration date displayed visually on an external portion of the card is provided. The protection icon is adjacent the account number. A personal identification number has at least three characters and is recorded ...

03/02/06 - 20060043172 - Apparatus for showing disposable amount of electronic ticket card on portable electronic device and wirelessly adding value to the electronic ticket card by means of the portable electronic device and method therefor
The present invention relates to an apparatus for showing disposable amount of an electronic ticket card on a portable electronic device and wirelessly adding value to the electronic ticket card by means of the portable electronic device and a method therefore, wherein the electronic ticket card includes a non-contact value-adding ...

03/02/06 - 20060043171 - Method and apparatus for receipt printing and information display in a personal identification number delivery system
A method of obtaining personal identification numbers (PINs) in the form of receipts printed by a client terminal is disclosed. The method includes receiving, at the client terminal, a first request for a PIN associated with a first of plural prepaid services. The method further includes transmitting, to a server, ...

03/02/06 - 20060043170 - Personal account protection system
The “Personal Account Protection System” allows the use of personal identification numbers (PIN)s on magnetized monetary transaction cards without allowing those (PIN)s to leave the checkout counter card-swipe/keypad unit. Also, the (PIN)s are ERASED from the units themselves when the transactions are complete. In other words, the (PIN)s never follow ...

02/23/06 - 20060038006 - Verification system and program check method for verification system
In a verification system which verifies individual input data against registered data to perform individual authentication, the verification program is checked for alteration. Programs for verification in a processing unit are checked for alteration by a check program in the tamper-proof environment of a lower-level storage unit. Hence illicit use ...

02/16/06 - 20060032909 - System and method for providing database security measures
A trigger card and system for preventing credit and debit card fraud is disclosed. The trigger card is adapted to be indistinguishable from typical credit cards and other cards issued by financial institutions. The system is adapted to receive signals when a standard card reader reads the trigger card. The ...

02/16/06 - 20060032908 - Financial and similar identification cards and methods relating thereto
Apparatuses forming portable identification cards and associated methods are described. A preferred apparatus includes an input device adapted for a consumer to enter authentication data, a memory for storing reference data, a processor configured to compare the authentication data entered by the consumer to the reference data stored in the ...

02/16/06 - 20060032907 - Laminate tabbed pouch identification card with an integrated circuit
The present invention provides an identification device having an integrated circuit. The identification device has a first outer layer formed of a substrate. A second outer layer formed of a substrate having an antenna printed on an inner surface and an integrated circuit electrically connected to the antenna on the ...

02/16/06 - 20060032906 - Financial and similar identification cards read by magnetic swipe card readers and methods relating thereto
Apparatus forming a portable charge, debit or similar identification card which can be read using a magnetic card reader and methods for securing information are described. The preferred apparatus includes a magnetic stripe for storing information, a jamming assembly configured to emit a jamming signal which temporarily renders at least ...

02/16/06 - 20060032905 - Smart card network interface device
A smart card device is provided which may be directly hooked to a network or Internet via a phone or other communication interfaces. The smart card device includes a smart card reader and a communications interface, such as a MODEM, (54) an infra-red interface, RF, tone, or an Ethernet interface, ...

02/16/06 - 20060032904 - Ic card creation method and system thereof
An IC card creation entrusted company server for creating IC card creation data to be loaded on an IC card registers in advance in-advance registration information data including at least one or more application template information mountable on a IC card, receives IC car setting data consisting of card basis ...

02/09/06 - 20060027647 - System and method for redeeming rewards and incentives
A transaction card, including a substrate having a front face and a back face, a first magnetic stripe for storing data associated with a credit account, the first magnetic stripe being located along an edge of the back face, a second magnetic stripe for storing data associated with a rewards ...

02/09/06 - 20060027646 - Identification storage medium arrangement, a read apparatus and an identification system
The invention relates to an identification data-storage medium arrangement which contains payload data split into payload data subareas and which contains payload data linking data for linking the payload data subareas, having a plurality of identification data-storage media each having a substrate, an antenna which is formed on and/or in ...

02/09/06 - 20060027645 - Identification tag with item holding feature
An identification tag with an item-holding feature comprises a tag body, a compartment adjacent the tag body for securely holding at least one personal item therein, and means for securing the at least one personal item within the compartment. The personal item may comprise a pocket knife, a key, or ...

02/09/06 - 20060027644 - Ic card and ic card system having suspend/resume functions
An IC card and an IC card system are disclosed in which command processing performance is improved by storing current state data related to a first command upon interruption of an execution cycle for the first command by a second command. Upon completion of the second command, the current state ...

02/02/06 - 20060022034 - Device for digitizing and processing checks and driver licenses
An integrated platform is provided for digitizing checks, driver licenses, and other documents, including the processing of the digitized checks in accordance with Check 21 standards and requirements and processing of driver licenses to obtain identification data, and for reading and decoding optical codes. The integrated platform includes a document ...

02/02/06 - 20060022033 - Method and system using a bitmap for passing contactless payment card transaction variables in standardized data formats
An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures or tracks. The proximity payment card ...

01/26/06 - 20060016882 - Positional information management system
A positional information management system includes a positional information management server including a memory and a clock: a card carried by a user in a facility and having a tag IC storing a tag ID; detectors, each detector having a detector ID and a detection range and being installed at ...

01/26/06 - 20060016881 - Contactless smart card system with password
A system using a smart card without a processor, capable of being coupled without contact to a reader, this card comprising a first read-protected memory area and containing a password and a second memory area containing data of access to a service accessible in write mode, and possibly in read ...

01/26/06 - 20060016880 - Wireless payment processing system
The transaction method is for secure payment by credit cards or debit cards for goods or services with the use or mobile devices. The payment authorization center delivers a public portion of the authorization token to the service provider via the existing communication channels and the private portion of the ...

01/26/06 - 20060016879 - Presentation instrument security arrangement and methods
A presentation instrument includes a first information encoding region and a second information encoding region. The first information encoding region has a unique characteristic. The first information encoding region stores an account identifier. The second information encoding region has a first security value stored thereon. The first security value relates ...

01/26/06 - 20060016878 - Wireless payment processing system
The transaction method is for secure payment by credit cards or debit cards for goods or services with the use or mobile devices. The payment authorization center delivers a public portion of the authorization token to the service provider via the existing communication channels and the private portion of the ...

01/26/06 - 20060016877 - Biometric safeguard method with a smartcard
A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said ...

01/26/06 - 20060016876 - Method for registering a biometric for use with a smartcard-reader system
A method for registering biometric information for use in a smartcard-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with ...

01/26/06 - 20060016875 - Method for registering a biometric for use with a smartcard
The present invention discloses a method for registering biometric information for use in a smartcard-reader system. The method comprises the steps of contacting an authorized sample receiver and submitting a biometric to a sensor to facilitates the sensor in obtaining a biometric sample. The method also includes providing user information ...

01/26/06 - 20060016874 - System for registering a biometric for use with a smartcard
The present invention discloses system for registering biometric information for use with a smartcard-reader system. The system comprises a biometric sensor for detecting biometric samples. The system also comprises a device for associating the biometric samples with user information as well as smartcard information. Finally, the system includes a database ...

01/26/06 - 20060016873 - Method and system for retinal scan recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using retinal scan biometrics in a smartcard-reader system. The biometric security system also includes a retinal scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard ...

01/26/06 - 20060016872 - Method and system for iris scan recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using iris scan biometrics in a smartcard-reader system. The biometric security system also includes a iris scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard ...

01/26/06 - 20060016871 - Method and system for keystroke scan recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using keystroke scan biometrics in a smartcard-reader system. The biometric security system also includes a keystroke scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard ...

01/26/06 - 20060016870 - Method and system for smellprint recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using smellprint recognition biometrics in a smartcard-reader system. The biometric security system also includes a smellprint sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard configured ...

01/26/06 - 20060016869 - Method and system for auditory emissions recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a smartcard-reader system. The biometric security system also includes an auditory emissions sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a ...

01/26/06 - 20060016868 - Method and system for hand geometry recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a smartcard-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes ...

01/19/06 - 20060011719 - Customer loyalty card and devices associated therewith
A customer loyalty card implemented as a smart card (180), including a microchip (200) provided with a processor (304) and a memory (306) as well as a data transfer connection (302) for two-way data transfer with a point-of-sale terminal device. The memory (306) contains a set of card-specific basic information ...

01/12/06 - 20060006227 - System for managing risk of financial transactions with location information
The present teachings describe a system for processing financial transactions. In one embodiment, the system includes a remote terminal adapted to identify the location of financial transactions via global positioning system (GPS) information such that the remote terminal acquires transaction information from a user and transmits a first signal indicative ...

01/12/06 - 20060006226 - Method for electronic payment
The invention is a system for facilitating credit card transactions. The system operates in a setting that includes a merchant platform, a System platform and a subscriber mobile device. The merchant platform is in electronic data communications with the System platform and the subscriber mobile device is in electronic data ...

01/12/06 - 20060006225 - Secure card package for transaction cards and method of activating the same
A secure card package which includes an inactive transaction card that includes an edge. The secure card package also includes a security piece that includes an edge. The security piece and the inactive transaction card are connected in an edge-to-edge manner to prevent the transaction card from being activated. The ...

01/05/06 - 20060000901 - Apparatus for reading standardized personal identification credentials for integration with automated access control systems
An apparatus for reading information encoded on standardized personal identification credentials includes a reading device that reads information encoded on 3-track magnetic stripes as well as barcodes, and connects to a computer system to allow complete automation of information collection. The software application uses the apparatus to automate the collection ...

01/05/06 - 20060000900 - Collaborative negotiation techniques for mobile personal trusted device financial transactions
Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When ...

01/05/06 - 20060000899 - Method and system for dna recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using DNA recognition biometrics in a smartcard-reader system. The biometric security system also includes a DNA scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard ...

01/05/06 - 20060000898 - Method and system for vascular pattern recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using vascular pattern recognition biometrics in a smartcard-reader system. The biometric security system also includes a vascular scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a ...

01/05/06 - 20060000897 - Method and system for signature recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using signature recognition biometrics in a smartcard-reader system. The biometric security system also includes a signature scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard ...

01/05/06 - 20060000896 - Method and system for voice recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using voice recognition biometrics in a smartcard-reader system. The biometric security system also includes a voice print sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard ...

01/05/06 - 20060000895 - Method and system for facial recognition biometrics on a smartcard
The present invention discloses a system and methods for biometric security using facial scan biometrics in a smartcard-reader system. The biometric security system also includes a facial scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard ...

01/05/06 - 20060000894 - Method and system for fingerprint biometrics on a smartcard
The present invention discloses a system and methods for biometric security using fingerprint biometrics in a smartcard-reader system. The biometric security system also includes a fingerprint sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard configured with ...

01/05/06 - 20060000893 - Method for biometric security using a smartcard-reader
The present invention discloses a method for facilitating biometric security in a smartcard-reader system. The method includes detecting biometrics using a biometric sensor in order to obtain a biometric sample. In one embodiment, the biometric sensor communicates with the smartcard-system and is configured with a smartcard. In another embodiment, the ...

01/05/06 - 20060000892 - Method for biometric security using a smartcard
The present invention discloses a method for facilitating biometric security in a smartcard-reader transaction system by proffering a biometric. The biometric may be proffered to a biometric sensor communicating with the smartcard-reader system. Proffering the biometric initiates verification of the biometric sample and facilitates authorization of a transaction. ...

01/05/06 - 20060000891 - System for biometric security using a smartcard
The present invention discloses a system and methods for biometric security using biometrics in a smartcard-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard configured with a ...

12/29/05 - 20050284929 - Portable storage apparatus
This invention provides a portable storage apparatus to process a data of the memory card by the card reader. Storage apparatus comprises a receiving interface, a memory module, an activating device and a controller. The receiving interface is connected to card reader for transmitting or deleting data. The memory module ...

12/29/05 - 20050284928 - Method and system for associating customer information with a customer identifier
A system for managing information relating to customers at a fuel service facility may include customer service points, one or more processors, a database, and a central server. The customer service points can receive a customer identifier, and the processors can apply a hash function to a customer identifier received ...

12/29/05 - 20050284927 - Slide out card configuration
A slide-out card configuration is provided. A presentation section slides outwardly and laterally along the back cover of the card as it is opened. The card may be provided in a packaged form for use as a mailer to deliver advertising to specific recipients by mail. Alternatively, in card form, ...

12/22/05 - 20050279830 - Method and system for multiple income-generating business card and referral network
A system and method for using a communications network with a server and a database to provide income-generating business card and referral card network. In one embodiment, a credit card issuer provides a set of personalized business cards to a first customer for his use, upon qualifying the first customer ...

12/22/05 - 20050279829 - Method and system for facilitating a purchase agreement
The method of the present invention changes the present day “value for value” methodology, system and process for the purchase of Stored Value Card purchases to a “value for greater value” or “value for greater perceived value” methodology, system and process by bundling the actual Stored Value Card product with ...

12/22/05 - 20050279828 - Optical motor-vehicle card
An optical motor-vehicle card is provided as a laminated card having a pattern of burn holes that encode information according to a set of fields. One field is an identification field having optically encoded information identifying an authorized holder of the optical motor-vehicle card. Another field is a driving-status field ...

12/22/05 - 20050279827 - Methods and systems for providing guaranteed merchant transactions
A network arrangement is provided for processing credit transactions. A financial network is used to route communications securely between interfaces with the financial network. Merchant systems are coupled with the interfaces, with each merchant system transmitting requests for authorization of credit transactions through the financial network. An issuer system authorizes ...

12/22/05 - 20050279826 - Secure transfer of data between two smart cards
Transfer of data between two chip cards A means (SS, CT) external to a terminal (TM) transmits a specific application identifier and an encrypted first key and number to a first chip card (CA) in service in the terminal. In the first card, if the decrypted first number satisfies a ...

12/22/05 - 20050279825 - Transaction card packaging
A package for preventing forgery and theft of transaction card information. Transaction card information is concealed inside package so as to deter theft and forgery. Retailers can identify security breaches of prepaid transaction cards by observing the condition of the packaging prior to card activation. Consequently, forgery and tempering are ...

12/22/05 - 20050279824 - System and method for calculating recommended charge limits
The invention facilitates the compilation of client-imposed charge or credit limit reports based on declined purchase and/or payment transactions. The invention provides a system and method by which an account manager for a financial institution and/or a client program administrator company may perform analysis of spending patterns for cardmembers in ...

12/22/05 - 20050279823 - Electronic lock with visual interface
An electronic key card lock has a card reader having both card reading electronics and a visual interface integrated into a single unit. Portions of the card reader are made from a light transmitting material that act as both a physical guide for the card and a lens that can ...

12/15/05 - 20050274795 - System for marketing leisure activity services through prepaid tickets
One-time-use tickets containing a unique identification code that allow for prepayment of entertainment or personal services are distributed and sold. When a ticket is sold, it is activated by the seller notifying a ticket information manager of its sale, at which time the ticket's unique identification code is recorded by ...

12/15/05 - 20050274794 - Smart identification document
A smart electronic personal identification document, including a smart identification module and an automated anti-skimming element. The smart identification module includes a contactless chip module and an antenna. The smart identification module is operative to store and exchange personal identification information contactlessly with an external reader. The automated anti-skimming element ...

12/08/05 - 20050269402 - System and method for securing financial transactions
A financial transaction system utilizes multi-factor authentication to secure financial transactions. ...

12/08/05 - 20050269401 - System and method for securing financial transactions
A financial transaction system utilizes multi-factor authentication to secure financial transactions. ...

12/08/05 - 20050269400 - Checking of the atomicity of commands executed by a microprocessor
A method and a system for checking the atomic character of at least one command executed by a microprocessor of an electronic component including at least one rewritable non-volatile memory, including: selecting a main command including at least one updating of at least one piece of data requiring several write ...

12/08/05 - 20050269399 - Method for recharging a subscription card using wireless equipment
This invention relates to a device for recharging a contactless smart card (1) including a recharge kiosk (2) that can have an identifier specific to it and capable of communicating with a contactless smart card (1), a mobile terminal (3) provided with a recharge management program (33) capable of communicating ...

12/08/05 - 20050269398 - Transaction authorization system and method
The present invention includes a system and method for authorizing billing files at a substantially real-time batch authorization rate. The invention comprises a poller configured for queuing billing transaction files in real-time. In one embodiment, the invention uses advanced logic to split transactions into multiple subsets and it uses a ...

12/01/05 - 20050263588 - Systems and methods for remote account control
Systems and methods for remotely causing a request for authorization to charge a card, that is otherwise active, to be denied. In one embodiment, an access controller receives a call from a card holder and analyzes ANI and DNIS data received during call setup for the call to select a ...

12/01/05 - 20050263587 - System and method for initializing financial presentation instruments
The present invention provides alternative methods and systems for instantaneous initialization of financial presentation instruments, preferably stored value cards, gift cards, or other pre-paid debit cards. In one aspect of the present invention, a method for initializing financial presentation instruments is provided. The method comprises mailing a financial presentation instrument ...

11/24/05 - 20050258238 - Method and apparatus for providing identification
A method of providing identification of an entity includes maintaining a database of identification data specific to the appearance and condition of entities, providing a unique description for each entity enabling access to the entity's identification data in the database, providing identification means adapted for portage with the entity and ...

11/24/05 - 20050258237 - Settlement information notification service server and settlement information notification method
It is an object of the invention to provide a settlement information notifying service server and a settlement information notifying method which can notify a card user of information about a settlement when a card is utilized. When a user (8) puts a non-contact IC card on an IC card ...

11/17/05 - 20050252962 - Communication system
Communications system having a chip card and at least one chip card communications partner, the chip card having a module for initiating data interchange with the chip card communications partner, and a method for interchanging data between a chip card and a chip card communications partner, the chip card initiating ...

11/17/05 - 20050252961 - Charge card and debit transactions using a variable charge number
“VariCharge” (SM) process improves on the security of credit cards by assigning a different charge number for every charge transaction. The card does not contain the entire string of numbers that are required for charging. The charge number is constructed as a combination of the card number and a variable, ...

11/10/05 - 20050247777 - Device, system and methods of conducting paperless transactions
A universal electronic transaction card (“UET card”) is capable of serving as a number of different credit cards, bank cards, identification cards, employee cards, medical cards and the like. The UET card includes storage elements, an input interface, a processor, a display, and a communications interface. In a preferred embodiment, ...

11/10/05 - 20050247776 - Authenticating optical-card reader
Methods and devices are provided for reading optical cards. A housing has a slot for slidably receiving an optical card. The optical card has physical tracks with an arrangement of physical pits to define on optically encoded biometric. A light detector is fixed in position relative to the housing. An ...

11/03/05 - 20050242173 - Method and system to prevent fraudulent payment in credit/debit card transactions, and terminals therefor
The present invention enables secure, valid card payments in credit transactions to be performed, preventing fraudulent card use even in cases of loss or theft of a card or of information theft. During a transaction authorization process using a transaction terminal disposed in a credit transaction member store and connected ...

11/03/05 - 20050242172 - Method, apparatus and pos system for processing credit card transactions associated with pos sales
A method apparatus and POS system for processing credit card transactions associated with POS sales to inhibit illegal credit card use. The method involves reading magnetic stripe information including the credit card number from the magnetic stripe on a credit card and comparing the result with stored credit card transaction ...

11/03/05 - 20050242171 - System and method for generating collision-free identifiers for financial transaction cards
A one-way permutation over financial transaction card data provides a merchant with a unique card identifier for each financial transaction card that is used by a customer to purchase goods from a merchant. This card identifier, which is not the actual financial transaction card data, may then be permissibly stored ...

11/03/05 - 20050242170 - Prepaid long-distance telephone calling card with separable coupon
An instrument has a perforation joining a first portion and a second portion, each of the first card and second card having an obverse and a reverse side. The first portion bears on both its obverse and reverse sides indicia relating to a store coupon of a first predetermined value, ...

10/27/05 - 20050236473 - Identification card personalization device with web browser
The present invention is directed toward an identification card personalization device used to create identification cards. The identification card personalization device includes a network adapter that is connectable to a network and either a print mechanism for printing onto a card, a laminating mechanism for laminating a printed card, or ...

10/27/05 - 20050236472 - Gift card assembly and method
A gift card system includes a gift card imprinted with indicia identifying the issuer, an adhesively coated security label permanently adhered to the card and imprinted on one surface with the value of the gift, and a gift record for recording information concerning the gift including the date of issuance ...

10/27/05 - 20050236471 - Gift card assembly and method
A gift card system includes a gift card imprinted with indicia identifying the issuer, an adhesively coated security label permanently adhered to the card and imprinted on one surface with the value of the gift, and a gift record for recording information concerning the gift including the date of issuance ...

10/13/05 - 20050224575 - System and method for facilitating the purchase of goods and services
A system and method for facilitating commercial transactions between a consumer and a supplier of goods at a point of sale and authorized by a credit holder. The credit holder possesses a communications device for prestoring transaction information in a data base. The communications device is operable by the credit ...

10/06/05 - 20050218215 - Biometric identification system
A biometric identification system that includes one or more identification devices or cards. Each identification card includes a radio frequency identification (RFID) element storing a first set of biometric information. A communication device operates to send and receive radio frequency signals to read the first set of biometric information from ...

10/06/05 - 20050218214 - Community concept for payment using rf id transponders
Payment systems and methods using wireless transponders in a community of retailers are disclosed. The disclosed systems and method include a community of retailers, an RFID transponder card, a number of readers for reading an identification number from the RFID transponder card when a subscriber carrying the card enters the ...

10/06/05 - 20050218213 - System and method for mailing account cards
A system for mailing account cards includes an account identification module that is operable to select an account scheduled for a card reissue. The system also includes an embossing module that is operable to generate one or more reissue cards associated with the selected account. Moreover, the system includes a ...

10/06/05 - 20050218212 - High-speed personalization machine
The present invention concerns a high-speed personalization machine comprising a personalization station (2) for personalizable documents (4) and a computer system (6), the machine being characterized in that a personalizable document comprises information, whether visible or not corresponding to an identification, an electronic chip and contactless communication means of transmitting/receiving ...

10/06/05 - 20050218211 - Communication terminal device
Conventionally, obtaining both information regarding use of a credit card and information regarding an account to which credit card payment is debited is not considered. For instance, when paying by credit using a communication terminal device, obtaining information regarding a payment amount and information regarding a bank balance is not ...

10/06/05 - 20050218210 - System and method for providing personal identification or recognition pieces to a small group or family of participants
The present invention relates to a personal identification method and system that enables families or small groups to efficiently provide recognition or identification pieces to members of the group or family to enable participation in an activity or event. The system includes a package having supply of business forms having ...

10/06/05 - 20050218209 - Counterfeit detection method
A counterfeit detection method includes electronically reading a label on a desired item in a store, transmitting an item identification code encoded in the read label to an authentication unit, receiving an indication from the authentication unit whether or not the item identification code is registered to the store and ...

09/29/05 - 20050211767 - Multiplex information card, image data inputting equipment and method, and information card issuing system
An information card includes two display panels as a user interface, which constitute a card body, and display visible information constituted by a portrait image and ID information. An internal memory is incorporated in a card body, for storing verification information of that the visible information has been verified externally. ...

09/29/05 - 20050211766 - Local zone security architecture for retail environments
A security architecture for a retail environment providing both on-line and off-line personal identification number (PIN) validation for a smart card transaction using a reduced number of secure access modules (SAMs). In one embodiment, the retail environment includes and security module and numerous fuel dispensers each including a controller and ...

09/22/05 - 20050205665 - Foldable transaction card systems for non-traditionally-sized transaction cards
Transaction cards having one or more folds therein for compact and easily stored transaction cards are provided. Moreover, foldable transaction cards are provided having one or more holes or apertures therein for holding key chains, or other devices for attaching the transaction cards to other items, such as sets of ...

09/22/05 - 20050205664 - Storing account information with related data in a common store
Described is a system and method in which the account settings for managing (e.g., sending and receiving) data are maintained in association with the managed data, such that the account settings and data remain unified yet are independent of any computing device. In one electronic mail application implementation, the mail ...

09/22/05 - 20050205663 - Card display system and method
A system and method for displaying a presentation instrument such as a gift card, and for establishing and maintaining an account associated with the gift card. The gift card is packaged with a card carrier for display at a retail establishment, with both the card and the card carrier each ...

09/22/05 - 20050205662 - Method and system for manual authorization
Embodiments provide systems, apparatus, methods, computer program code, and means for performing manual authorizations. ...

09/15/05 - 20050199711 - Updating of a smart card value counter
A method and a system for updating a counter of an electronic component in which are stored recordings, each containing at least one individual value and at least one sorting value, including: transferring into a memory of a reader an initial count of the counter and said recordings; calculating on ...

09/15/05 - 20050199710 - Card holder for sim card
A card holder has a generally flat and rectangular plastic base fixed to a support, e.g. a printed-circuit board of a card reader, and formed centered on an axis with a pair of pivot pins. A generally rectangular and flat metal cover forming a slot dimensioned to hold the card ...

09/15/05 - 20050199709 - Secure money transfer between hand-held devices
A payment resolution module is configured to communicate with hand-held devices (such as mobile phones, PDA's, or computers) to allow secure transfer of funds between financial accounts associated with each of the hand-held devices. A user of a paying device may be identified as the owner of the device either ...

09/15/05 - 20050199708 - Method for a host based smart card
A method for a Host Based Smart (HBS) card, a method for system maintenance of the HBS card, a method for maintenance of the HBS card, and a method for purchasing goods or services using the HBS card is presented. ...

09/15/05 - 20050199707 - Transaction instrument inventory management system and method
A system and method for facilitating inventory management in financial transaction instrument distribution is disclosed. The method may include the steps of: receiving information related to the sale of a first transaction instrument, wherein the first transaction instrument is associated with a second transaction instrument, wherein the first and second ...

09/15/05 - 20050199706 - Systems, methods, and devices for selling transaction instruments via web-based tool
The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, ...

09/15/05 - 20050199705 - Systems, methods, and devices for selling transaction instruments
The present invention generally relates to a system and method for distributing an open transaction instrument. The system includes the steps of: accessibly offering for sale, in a retail environment, the open transaction instrument; selling a selected open transaction instrument; and enabling the use of the open transaction instrument. The ...

09/15/05 - 20050199704 - Wireless credit card charging system
A truck or car having a credit card reader and a wireless modem on board that allows a credit card to be charged wirelessly. ...

09/15/05 - 20050199703 - Method and system for a host based smart card
A method for a Host Based Smart (HBS) card, a method for system maintenance of the HBS card, a method for maintenance of the HBS card, a method for purchasing goods and services using the HBS card, a method for selling goods and services via a HBS card is presented. ...

09/08/05 - 20050194436 - Data card
A data card for facilitating a transaction, including a card body having a front surface and a back surface, a first data storage section storing a first set of data, a second data storage section storing a second set of data, a third data storage section storing a third set ...

09/08/05 - 20050194435 - Automobile identification device
A vehicle identification system is disclosed that organizes pertinent data about an automobile and the automobile's owner on a card the size of a credit card. Various pictures of the vehicle are positioned on the card for quick visual inspection, and a bar code and magnetic strip interface with established ...

09/08/05 - 20050194434 - Business card having a printed circuit board substrate and onboard electronic circuitry
An electronic business card includes a printed circuit board, having a desired length and width, as well as front and rear major surfaces, functions as the substrate of the business card. Electrical components, a switch, and a direct-current source, such as a battery or voltage cell, are mounted to the ...

08/25/05 - 20050184146 - System and method for managing and processing stored-value cards and bill payment therefrom
A system and method for managing and processing stored-value debit, check card, signature debit, PIN based card or automatic teller machine (ATM) cards and bill payment from a variety of access points. Enrollment occurs between a card issuer and a card holder resulting in issuance of the card. When using ...

08/25/05 - 20050184145 - Secure wireless authorization system
The invention relates to a secure wireless authorization system by which a user can employ a wireless device to authorize a request that is initiated by a remote third party and transmitted to the user by an authorization server. The system includes the authorization server that is linked to the ...

08/18/05 - 20050178830 - Apparatus and method for increased security of wireless transactions
A mobile communication device with security mechanisms is provided for enabling wireless personal information transfer with increased security. In another embodiment of the invention, a mobile communication device is used to confirm a transaction. ...

08/18/05 - 20050178829 - Apparatus and method for increased security of wireless transactions
A mobile communication device with security mechanisms is provided for enabling wireless personal information transfer with increased security. In another embodiment of the invention, a mobile communication device is used to confirm a transaction. ...

08/18/05 - 20050178828 - Method and system for providing a flexible product purchase account for members of a healthcare organization
A method and system for facilitating a redemption of benefits for a customer with the use of a benefit card is provided that includes associating an identification code with the customer, the identification code being stored on the benefit card, accessing an account record associated with the identification code, and ...

08/18/05 - 20050178827 - Flexible fingerprint sensor arrays
A print sensor, computing device, and method comprising a swipe sensor array that includes a number of sensor elements arranged in at least two columns with a gap separating each adjacent column and each sensor element in each adjacent column. Each sensor element generates signals related to a portion of ...

08/18/05 - 20050178826 - Personal property/animal identification and security system
A property security system and method therefor assigns a property code uniquely associated with each property owning member. The property marker code includes an abbreviation for the state of residence of the property owner, a first numerical code identifying the county in which the member, or property owner, resides or ...

08/18/05 - 20050178825 - Multi-function transaction processing system
A multi-function transaction processing system including a transaction terminal having a data entry facility and a transaction processor, the transaction processor being communicatively associated with a control processor that defines user accounts and issues one or more authorization codes associated with the user account(s) in response to payment authorities provided ...

08/18/05 - 20050178824 - On-line merchant services system and method for facilitating resolution of post transaction disputes
A system is disclosed for facilitating the handling of post transactional credit disputes in real-time via a variety of transactional environments and architectures. The system includes one or more workstations linked to a communication channel and one or more servers with at least one having capability of processing a plurality ...

08/11/05 - 20050173518 - Secure device and mobile terminal which carry out data exchange between card applications
A secure device comprises a data exchange card application carrying out data exchange between card applications isolated by a fire wall, card application plug-in data defining authentication processing of the data exchange card application, in such a manner that authentication processing between the card application and the data exchange card ...

08/11/05 - 20050173517 - Couponing system
A method and apparatus are provided for a method of offering coupons to a consumer at a point of sale. The method includes the steps of detecting entry of an identifier of an item to be purchased by the consumer at the point of sale, searching a database to identify ...

08/04/05 - 20050167487 - System and method for customizing designs for credit cards, atm/debit cards, checks, gift cards, and membership cards
The system and method for customizing credit cards, ATM/debit cards, gift cards, checks, membership cards and the like allows a user to create personalized products with a combination of images, text or sound clips using a kiosk, the Internet or stand-alone software. The user selects a product to create, such ...

08/04/05 - 20050167486 - System, method, and program for generating transaction profile for measuring and analyzing computer system performance
A system for generating a transaction profile includes a communication status analyzer, a consumed resource quantity analyzer, an analyzer for analyzing an association between a processing group and a process, an analyzer for analyzing consumed resource quantities and communication quantities for respective processing groups, a transaction profile generator, and a ...

08/04/05 - 20050167485 - Magnetic identification card clip
A clip that utilizes a magnet to attach identification cards to clothing. The clip includes a clasp, a bendable strap, and a magnetic connector which together allow identification cards to be displayed anywhere on a garment without penetrating, clamping or biting the fabric. The invention is connected to an identification ...

08/04/05 - 20050167484 - Method and system issue an electronic visa of a foreign visitor at a country's foreign consular premises
This invention integrates with a country's customs and immigration system to issue an electronic visitor's visa, and to validate periodically, electronically a visitor's visa within the country's borders. A computer-encoded visa card is created and issued to the visitor at the country's overseas consulate. Pertinent visa application information is embedded ...

07/28/05 - 20050161503 - Process for managing an electronic transaction by chip card terminal and chip card implementing this process
A process for managing an electronic transaction with a trader by use of a microprocessor chip card and of a reading terminal able to interact with the card. The card performs a first comparison where it compares a transaction amount with a first threshold value and instigates a bearer authentication ...

07/21/05 - 20050156026 - Emv transactions in mobile terminals
A mobile terminal is enabled to conduct an EMV transaction. A wireless access node in the EMV card-reader terminal is provided for connecting a mobile terminal to the card-reader terminal. An EMV-proxy module executing in the card-reader terminal facilitates communication between the mobile terminal and the card-reader terminal. The EMV-proxy ...

07/14/05 - 20050150947 - Fingerprint based smartcard
A smartcard device 1200 that includes a single embedded IC chip 1222 that includes smart card circuitry that includes a processor device and memory that is shared with a fingerprint capture device (10) that has a plurality of charge storage devices (12), i.e., the shared memory, that couple through conductive ...

07/07/05 - 20050145691 - Reprove prepaid credit card
The Prepaid Card uses an Electronic System (Process Server) for Issuance, activation, tracking activity and Balances; networking allowing the card user to purchase a card thru a bank, retail establishment, or other agencies, select an increment and card is automatically activated and can be used for immediate purchase. Use the ...

06/30/05 - 20050139653 - Method and apparatus for providing a card carrier for bringing together with a card
In a method and an apparatus for providing a card carrier for bringing it together with a card, the card is initially provided, and card data are acquired from it. On the basis of this card data, a card-carrier blank having a first identification mark is provided. On the basis ...

06/30/05 - 20050139652 - Information reading device and information reading system
In a card reader of a card reading system corresponding to an infrastructure for a magnetic card to be made applicable commonly for an IC card, a decoding circuit converts an analog signal of magnetic card data to a digital signal in waveform and a transmission and reception circuit receives ...

06/30/05 - 20050139651 - Medical treatment management systems
A medical treatment process and system, in which a patient fluid is subjected to extracorporeal handling and treatment prior to administration to the patient, is provided. The system includes two or more treatment units which successively handle the fluid, and a token associated with the patient. The token includes a ...

06/30/05 - 20050139650 - Method and system for configuring a publicly accessible computer system
A method in an information card generating computer system for initializing and distributing information cards that contain configuration information for configuring a computer of a user, the method comprising receiving a request for an information card from a user of a user computer directing the execution of a program on ...

06/23/05 - 20050133591 - Control method and control device during fabrication of cards
The present invention relates to a control method and a control device during fabrication of a series of cards (2), preferably credit or ledger cards, in which series each card (2) has hobbed symbols (3) which represent individual information (4-6) about the card possessor or card holder, e.g. his or ...

06/23/05 - 20050133590 - System and method for redeeming rewards and incentives
Transaction card comprising a substrate having a front face and a back face, a first magnetic stripe for storing data associated with a credit account, the first magnetic stripe being located along an edge of the back face, a second magnetic stripe for storing data associated with a rewards account, ...

06/23/05 - 20050133589 - Network connection apparatus
An improved network connection apparatus that employs inherent functions of user identification cards such as identity authentication and encryption to achieve security functions. The user identification card is coupled with the network connection apparatus such as routers to prevent data from being stolen or disclosed. User identification cards also can ...

06/16/05 - 20050127169 - Stored value card account transfer system
Systems, methods, computer programs, merchant terminals, etc. for transferring finds between stored value card accounts are provided. One embodiment comprises a method for loading a stored value card. One such method comprises: identifying a first stored value card account associated with a first customer; receiving a selection from the first ...

06/16/05 - 20050127168 - Debit purchasing of stored value card for use by and/or delivery to others
A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the ...

06/16/05 - 20050127167 - Electronic settlement system, settlement apparatus and terminal
An electronic settlement system for settling a transaction through a communication network comprises a settlement apparatus which performs the settlement of the transaction; a billing terminal connecting to the settlement apparatus via the communication network; and a paying terminal, connecting to the settlement apparatus via the communication network, wherein the ...

06/16/05 - 20050127166 - Secure device and information processing apparatus
An IC card including a first communications unit, a second communications unit and a card application unit further includes an information passing unit accessible to all card applications. The card application generates transmit information based on an instruction from an external R/W received via the first communications unit and writes ...

06/16/05 - 20050127165 - Systems and methods for credit card charge validation over a network
Methods and systems consistent with the present invention provide a data processing system that includes a remote data processor operably connected to one or more point of sale systems and to one or more credit card issuer systems on a network. The methods and systems receive a plurality of credit ...

06/16/05 - 20050127164 - Method and system for conducting a transaction using a proximity device and an identifier
A proximity device transmits a first dynamic authentication value contactlessly to a terminal. The first authentication value is included in a discretionary data field of message data arranged in an ISO Track 1 and/or ISO Track 2 format. Message data is sent from the terminal to an issuer. The issuer ...

06/09/05 - 20050121512 - Method and system for conducting transactions using a payment card with two technologies
A system for conducting financial transactions is provided wherein payment cards have stored account information including a first portion readable by a first machine-readable technology and a second portion readable by a second different machine-readable technology. Terminals employing both of said first and second technologies are used to capture said ...

06/09/05 - 20050121511 - System and method for providing a credit card with back-end payment filtering
A credit card transaction processing system that, in various embodiments, is configured for: (1) receiving transaction data related to a reimbursable charge made on the credit card by a credit card holder; (2) analyzing the transaction data to determine whether the charge may be auto-substantiated; (3) in response to determining ...

06/02/05 - 20050116029 - Personal authentication medium issuing method
In a personal authentication medium issuing apparatus, a main image information is input and whether a personal authentication medium on which synthesized image information having sub-information embedded in the main image information is checked or not is determined based on the state of the input main image information. Further, synthesized ...

06/02/05 - 20050116028 - Financial transaction system and method
A financial system and method for a stored value e-card financial management system using a worldwide financial network to deposit funds into an e-card account in one country and withdraw funds from a networked automated teller machine in another country. A dual-card package containing two e-cards and a personal identification ...

06/02/05 - 20050116027 - Personalized presentation instrument production systems and methods
In one embodiment, a method for producing a customized presentation instrument comprises receiving at a production computer system production information needed to produce a customized presentation instrument. The production information may comprise customized design information from a purchaser of the presentation instrument, recipient information and a unique identifier. The design ...

06/02/05 - 20050116026 - Portable electronic authorization system and method
In one embodiment an apparatus includes a housing; a user authenticator, supported by the housing, that authenticates an identity of a user; at least one memory, supported by the housing, that stores transaction information for at least first and second media; and at least one output, supported by the housing, ...

06/02/05 - 20050116025 - Fraud prevention in issuance of identification credentials
According to one aspect, the detailed technology concerns assessment of the fraud risk presented by an applicant for a driver's license, based on a particular ensemble of information presented by the applicant. For example, certain collateral identification documents presented by the applicant (birth certificate, passport, student body ID card, etc.)—or ...

06/02/05 - 20050116024 - Method and system for dna recognition biometrics on a fob
The present invention discloses a system and methods for biometric security using DNA recognition biometrics in a transponder-reader system. The biometric security system also includes a DNA scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder ...

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