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Data Processing: Financial, Business Practice, Management, Or Cost/price Determination > Automated Electrical Financial Or Business Practice Or Management Arrangement > Finance (e.g., Banking, Investment Or Credit) > Including Funds Transfer Or Credit Transaction > Requiring Authorization Or Authentication Requiring Authorization Or AuthenticationRequiring Authorization Or Authentication 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.11/23/06 - 20060265328 - Electronic information management system There is provided an information operation management system having a high safety of the information stored. The system is a computer system performing user authentication and presenting electronic information attribution to the user. Electronic information on user authentication information and user attribution electronic information are respectively divided into division information, ... 11/02/06 - 20060248011 - Secure commerce systems Secure commerce systems and methods are disclosed. Commercial security is first provided by identity verification via voice authentication using voice similarity analysis, and by a set of random, continually-changing passwords that can be encrypted and uniquely identified with a fictitious and anonymous user name. Each anonymous user name is uniquely ... 10/19/06 - 20060235796 - Authentication for a commercial transaction using a mobile module Current embodiments provide for authorization and payment of an online commercial transaction between a purchaser and a merchant including verification of an identity of the purchaser and verification of an ability of the purchaser to pay for the transaction, where the identity provider and the payment provider are often different ... 10/19/06 - 20060235795 - Secure network commercial transactions Current embodiments provide for authorization and payment of an online commercial transaction between a purchaser and a merchant including verification of an identity of the purchaser and verification of an ability of the purchaser to pay for the transaction, where the identity provider and the payment provider are often different ... 07/13/06 - 20060155645 - Image uploading and print-on demand system and method, namely for art and photographs A computer system and method allowing a user to upload an image representing artwork into the memory of the computer system. Thereafter, after the image is uploaded and approved, the image can be made available for display to other users of the computer system and made available for sale as ... 07/06/06 - 20060149674 - System and method for identity-based fraud detection for transactions using a plurality of historical identity records A method for identifying a fraudulent account application includes receiving a new account application comprising a plurality of identity-related fields and linking the identity-related fields associated with the new account application with identity-related fields associated with a plurality of historical account applications. The links form a graphical pattern on which ... 07/06/06 - 20060149673 - Secure internet transaction system A secure Internet authorization system is based on matching of randomly generated number strings, generated at a module carried by an individual seeking authorization and uploaded to an offline vault during a setup procedure. During authorization the module generates one portion of the string, with the vault generating a quickly ... 06/22/06 - 20060136337 - Method of providing secure fulfillment of online purchased services The invention provide a method for verification of receipt of services delivered in person to a buyer in an online service sales transaction prior to release of funds by a service sales system to the seller of a service. An electronic buyer's voucher generated by the service sales system is ... 06/15/06 - 20060129486 - Quantum cash system and quantum cash apparatus An aspect of the present invention relates to a quantum cash system and a quantum cash apparatus which can inhibit even forgery in which quantum verification information is transformed using inverse transformation data, thus improving security. In order to allow quantum cash to be validly used, a quantum cash holding ... 05/04/06 - 20060095375 - Method for the standardization and syndication of business transactions A method for standardizing and syndicating international business transactions over a communications network, comprising the steps of receiving a transactional request containing terms of the business transaction from a client and categorizing the transaction into pre-defined categories. The method retrieves the functional templates for the pre-defined categories from a database ... 04/27/06 - 20060089909 - Cardless transaction system A method of conducting cardless and cashless transactions is disclosed. A user, such as from a plurality of students of one or more clients or schools, presents a familiar user ID number and a PIN at a participating merchant. A server receives the user ID and PIN from the merchant ... 04/13/06 - 20060080254 - Individual authentication method, individual authentication device, and program for same An individual authentication device, which verifies individual data of recording media against input individual data and performs individual authentication, is enabled to make a smooth transition to biometrics authentication. The device judges whether a biometrics unit is installed, and by judging whether the biometrics unit is installed, selects between individual ... 04/06/06 - 20060074805 - Method and system for supporting secure transactions in a peer-to-peer network At least two computer systems in a peer-to-peer network are utilized to support a secure transaction. Aspects of the present invention include allowing a shopper to create an order to purchase one or more digital assets stored on a first computer system in the peer-to-peer network, and after the order ... 03/23/06 - 20060064380 - Methods and systems for performing tokenless financial transactions over a transaction network using biometric data Systems and methods for performing tokenless financial transactions over a transaction network using biometric data. Financial transactions are completed without tokens, such as credit cards, debit cards, magnetic stripe cards, smart cards, RFID devices, and the like. A customer's identity is authenticated and the transaction is accepted by the customer ... 03/16/06 - 20060059089 - Transaction number management method in network commodity sales A cart ID according to the present invention is an identification code including receipt information containing at least a receipt number (serial number) indicating a receipt number of the transaction, and further unmeaning password information. Furthermore, it is preferable that the receipt information has date information in which the cart ... 02/16/06 - 20060036547 - Authentication system, card and authentication method Provided are an authentication system, an IC card and an authentication method in which identification information is displayed in association with respective ones of multiple items of authentication information, and authentication information corresponding to identification information that has been selected from multiple items of identification information is acquired, thereby making ... 02/16/06 - 20060036546 - System and method for improving reliability of distributed electronic transactions A system and method are disclosed that separate control functionality from the management functionality for conducting electronic transactions. The control functions are performed by a third party resulting in a low overhead since significant overhead is incurred in response to an anomalous event, thus facilitating high throughput electronic transactions when ... 02/09/06 - 20060031161 - System and method for performing secure credit card purchases A method and system of performing secure credit card purchases in the context of a remote commercial transaction, such as over the telephone, wherein only the customer, once generally deciding upon a product or service to be purchased, communicates with a custodial authorizing entity, such as a credit card company ... 02/09/06 - 20060031160 - Method of automated monetary transfers A consumer banking method provides for establishment of a petty cash account that may have funds transferred into it by a first user using a first account number and PIN number, and also have funds transferred out of the petty cash account by a second user using a second account ... 02/02/06 - 20060026100 - Dynamic downloading of keyboard keycode data to a networked client The present invention is directed toward dynamic downloading of keyboard keycode data to a networked client. According to one or more embodiments of the present invention, a user logs into a networked client by presenting a smart card to a card reader attached to the client (or by some other ... 02/02/06 - 20060026099 - Voice/data financial transaction communications device A voice/data financial transaction communications device having an integrated credit card processing terminal, a financial transaction computer program product, and a router detects and decodes financial data, associates the financial data with other transactional data, creates a financial transaction request, and communicates the request to an authorization communications address via ... 01/12/06 - 20060010072 - Method and system for identifying users and detecting fraud by use of the internet A method and system for detecting and preventing Internet fraud in online transactions by utilizing and analyzing a number of parameters to uniquely identify a computer user and potential fraudulent transaction through predictive modeling. The method and system uses a delta of time between the clock of the computer used ... 12/29/05 - 20050289058 - System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module clearinghouse. The steps for processing of the electronic transmissions comprise of a user registration step, wherein a user registers with an electronic identicator at ... 12/29/05 - 20050289057 - Information processing system and information processing method Card handling, which allows anyone to posses a card without any risks emanating from card issuance, may be implemented by establishing a private account for a customer, who is to be given a card, at an associated foreign bank with a high interest rate, issuing, for example, two cards 260 ... 11/24/05 - 20050262021 - Method and system for performing automated transactions using a server-side script-engine A method and an apparatus for performing automated transactions are disclosed. According to one aspect of the present invention, a script-engine associated with a particular server receives a request to execute a script. The script-engine executes a script and prompts a user to enter critical data directly related to the ... 11/17/05 - 20050256803 - Financial transaction verification The invention teaches the verifying a financial transaction by requiring an account holder to verify the transaction when the transaction is tagged for verification. It is emphasized that this abstract is provided to comply with the rules requiring an abstract that will allow a searcher or other reader to quickly ... 11/17/05 - 20050256802 - Payment protocol and data transmission method and data transmission device for conducting payment transactions Method for carrying out a transaction on a system that includes at least one central processing platform, at least issuer server and at least one acquirer server, wherein the central processing platform includes a routing engine coupled by a communication connection to the issuer server and the acquirer server, and ... 11/03/05 - 20050246278 - Multiple party benefit from an online authentication service An account authentication service where a trusted party verifies an account holder's identity for the benefit of a requestor during an online transaction. The account authentication involves requesting a password from the account holder, verifying the password, and notifying the requestor whether the account holder's authenticity has been verified. An ... 10/27/05 - 20050240528 - Smartcard with visual display A smartcard with visual display is provided that enhances identity verification and outputs information stored on the smartcard. For enhanced identity verification, the visual display outputs identifying features of the individual authorized to use the card. For instance, the visual display outputs a sequence of images of the authorized user's ... 10/27/05 - 20050240527 - Combined credit/debit card and associated payment authorization/processing method A novel charge card is a combined debit and credit card. The customer is offered an election of a credit feature or of debit feature. If debit is selected, the customer enters a personal identifier (e.g., a PIN). In the further transaction, the novel process investigates the authorization request to ... 10/20/05 - 20050234822 - Methods and systems for universal transaction processing In one embodiment, a first information packet is received at a payment network from a merchant, which includes a financial transaction cost and a credential presented by the customer as a payment for the financial transaction. The payment network uses the private label card account number to determine a financial ... 09/08/05 - 20050197959 - A method for validating and ordering services and products online The Digital Order Validation System (DOVS) consists of software combined with validation data to provide a secure method to conduct transactions for photo processing services over a wide area network (e.g. the internet). The invention allows internet based photo processing services and products to be deployed at traditional retail points ... 08/18/05 - 20050182724 - Incremental network access payment system and method utilizing debit cards The present invention provides a network access system and method using debit cards for payment. ... 08/11/05 - 20050177511 - Detailed data provision system A detailed data provision system that makes it easy for a recipient who receives basic data provided from an intermediary to reference detailed data corresponding to the basic data, while at the same time maintains confidentiality of the detailed data. Transmission result data that contains the ID code of the ... 08/04/05 - 20050171909 - System and method for buying goods and billing agency using short message service A system and method for buying goods and billing agency using short message service are disclosed. If a purchaser transmits goods information to a mobile communication service system using short message service of a mobile phone, the mobile communication service system generates a certification code corresponding to the goods information ... 08/04/05 - 20050171908 - System and method for aggregating and delegating signature authority to third parties in commercial transactions The present invention comprises a computer network, a database, and multiple input-output ports whereby vendors and authorizing-companies share commercial information about the identity of third parties such as authorized buyers, authorized signers, and authorized agents, and various related information including levels and types of signature authority for these third parties. ... 07/28/05 - 20050165684 - Electronic transaction verification system An apparatus, method and program product receive remote identification data from an identification device (12) associated with a user account in response to initiation of an electronic transaction at a terminal (22). The identifying device communicates the remote identification data to a processing system (16), where it is compared against ... 07/28/05 - 20050165683 - System and method for using a universal payment card for transportation vehicles for hire The present invention comprises a payment debit system specifically tailored to transportation vehicles and the method for its use wherein a passenger preferably will pre-purchase a card for a predetermined amount of fare at local outlets to be used in any hired vehicle located throughout the world equipped with the ... 07/14/05 - 20050154676 - Electronic commerce system method for detecting fraud An electronic commerce system having a server and an end user machine interacting through a network during an electronic commerce transaction is disclosed. The server includes a software module configured to receive user-entered information via the network including an electronic purchase order for a product within the electronic commerce system. ... 07/14/05 - 20050154675 - An internet system for speedy delivery of a greeting card and gift The current invention is a greeting cards Internet service. It is a method and process that is an electronic greeting card service that utilizes the distributed access afforded by the Internet or local area networks (LANs) to enable the sending of a greeting card or cards with a cashier's check ... 07/07/05 - 20050149439 - Transaction method and system using an issued transaction number for verification of a transaction A system and method for performing transactions using transaction codes is described. An issuer apparatus issues transaction codes which are unique for particular types of transactions to a customer and stores the issued transaction codes in a database. A transaction apparatus selects a transaction code from the issued transaction codes ... 06/23/05 - 20050137981 - Method and apparatus for personalization and identity management Methods and systems are disclosed for personalization and identity management. In one embodiment, the method comprises receiving, from an access provider, a message for a service provider, the message associated with a first identifier of a user of the access provider. A second identifier is obtained, the first identifier is ... 06/23/05 - 20050137980 - Active disablement of malicious code in association with the provision of on-line financial services Active disablement of malicious code in association with the provision of on-line financial services. The invention provides for the active detection and disablement of malicious code residing on a customer computer system used for conducting on-line financial transactions. Computer programs residing on a server of a financial institution, such as ... 06/16/05 - 20050131826 - Centralized authorization and fraud-prevention system for network-based transactions A system and method for authorizing certain aspects of network based transactions between a customer and a merchant is disclosed. At a credit card authorization system, merchant information, transaction information, and a credit card number of a customer is received from an e-commerce merchant. An authorization form at the credit ... 06/16/05 - 20050131825 - Distributed knowledge management system A system for managing digital assets in a distributed data processing system is provided. In one embodiment, the system includes a network of data processing systems, a plurality of local knowledge management servers connected to the network wherein each of the plurality of local knowledge management servers is connected to ... ### FreshPatents.com Support |