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Data Processing: Financial, Business Practice, Management, Or Cost/price Determination > Business Processing Using Cryptography > Secure Transaction (e.g., Eft/pos) Secure Transaction (e.g., Eft/pos)Secure Transaction (e.g., Eft/pos) 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.11/16/06 - 20060259437 - Methods and apparatus for the interoperability and manipulation of data in a computer network A system for exchanging transaction between computers that enables software with different data formats to exchange data. The system maintains a profile of all the parties to the transaction which includes the data formats utilized by each party. Upon initiation of a transaction, the system generates encryption keys unique to ... 11/02/06 - 20060248019 - Method and system to detect fraud using voice data According to one aspect of the invention there is provided a method, comprising (a) maintaining a collection of voice signatures, at least a subset of which is organized to form a list of voice signatures, each belonging to a disqualified candidate; (b) obtaining a voice sample for a candidate; (c) ... 11/02/06 - 20060248018 - Automated remittance network A computerized network empowers senders to transfer funds and recipients to receive funds at any time anywhere over the world through user-accessible terminals such as ATM terminals, check-cashing kiosks, supermarket checkout stands, etc. There is no need for either the sender or the recipient to open an account with any ... 10/26/06 - 20060242085 - Financial transaction processing system An automated method provides an efficient arrangement for setting certain financial transactions using a debit point of sale transaction network, as opposed to routing over a credit network. The method and arrangement uses an onsite database of bank identification numbers to conduct a preliminary assessment of whether a particular card ... 10/26/06 - 20060242084 - Consumer data credit or debit card A consumer data credit card or debit card or personal computer wallet linked to an Internet master catalogue of products. The consumer data card empowers the small credit card or debit cardholder against retailers, by mining and analyzing their consumer profile data, for anticipated purchases, and then leveraging the consumer's ... 10/05/06 - 20060224523 - Dynamic keypad Methods and apparatus for providing a dynamic interface, for example, a keypad on a touch screen. When the touch screen displays a keypad, the appearance of the keypad is randomly generated. In an embodiment, consecutive keypads can differ with respect to any combination of the size of the keys, the ... 09/14/06 - 20060206434 - Accurately linking alarm system financing to equity and contractual flows Selling alarm systems and services previously depended upon the dealers being both the source, of the financing considered necessary for and used to obtain the hardware, and also to sustain linked monitoring and service contracts. Difficulties associated with turnover of both customers and dealers, and the separation between ownership of ... 09/07/06 - 20060200426 - Method and system for creating and delivering group messages A method and system for managing the creation and delivery of an electronic group message is disclosed. The electronic group message can be provided to two or more (i.e., a group) of signers to sign the electronic group message. Once signed, the electronic group message can be provided to one ... 09/07/06 - 20060200425 - Single sign-on for access to a central data repository Systems and methods for providing access to an information account stored in a central data repository. The information account is associated with a consumer and is subject to the consumer's control and management. Consumer authentication information is input by the consumer in connection with a first request for access to ... 09/07/06 - 20060200424 - Method and system for integrating multiple identities, identity mechanisms and identity providers in a single user paradigm Exemplary embodiments disclosed herein may include a method and system for integrating multiple identities and identity providers, including, receiving the security policy of a service provider, determining the attributes requested by the service provider, obtaining authenticated attributes requested by the service provider, registering with a provisioning service based at least ... 08/24/06 - 20060190411 - System and method for authenticating transactions A system and method for authenticating document processing transactions wherein the transaction is rejected if the user is not within a selected geographical region. A transaction request is first received representing a request for the completion of a selected transaction associated with a selected user. Preauthorized geographic region data, associated ... 08/10/06 - 20060179006 - Method and system for electronic purchases using an intelligent data carrier medium, electronic coupon system, and interactive tv infrastructure A method and a system for electronically transacting a purchase between a purchaser and a merchant are disclosed. The method includes storing accrued incentives on an intelligent data carrier medium via interactive television (DTV/STB) equipment and redeeming a discount or a value corresponding to the accrued incentives present on the ... 08/10/06 - 20060179005 - Network security system and methods regarding the same A network security system and methodology that securely defenses against current and future threats. According to the invention, anti-phishing method is utilized for protecting a computer system. In one embodiment of the invention, anti-phishing method comprises the steps of: detecting a user being submitting predetermined data to a predetermined website; ... 08/10/06 - 20060179004 - Biometric paypoint system The Biometric Pay-Point system is the future for all financial transactions particularly point of sale transactions (POS). It is more convenient, safer and more secure than using credit cards or cash. It is always available and cannot be stolen, copied or misplaced. This system will totally eliminate all forms of ... 08/03/06 - 20060173790 - Optical payment transceiver and system using the same An optical payment transceiver and an optical settlement system using the same uses a personal portable terminal incorporated with an optical transceiver as a card substitute payment unit for settlement. Here, card information is incorporated in a personal portable terminal incorporated with an optical transceiver such as a portable phone ... 07/27/06 - 20060167819 - Payment information security for multi-merchant purchasing environment for downloadable products A multi-merchant purchasing system is configured to identify downloadable products selected by a user for purchase. The identified downloadable products are offered by multiple merchants. The multi-merchant purchasing system enables the user to purchase all of the downloadable products in a single transaction. Specifically, the multi-merchant purchasing system determines payment ... 07/27/06 - 20060167818 - Methods and system for performing data exchanges related to financial transactions over a public network Methods and systems for exchanging data related to financial transactions utilizing a public network are disclosed. One or more participant computer systems are in communication with the public network. Each participant computer system includes at least one application for performing functions related to a financial transaction, and a gateway providing ... 06/29/06 - 20060143136 - Trusted electronic messaging system An electronic messaging system, including: a first message transfer server for receiving a message for a party, mapping the destination address of the message to a trusted address for the party, and substituting the trusted address for the destination address; and a second message transfer server for establishing an authenticated ... 06/15/06 - 20060129499 - Integrated proxy interface for web based data management reports An Intranet/Internet/Web-based data management tool that provides a common GUI enabling the requesting, customizing, scheduling and viewing of various types of unpriced call detail data reports pertaining to a customer's telecommunications network traffic. The Intranet/Internet/Web-based reporting system tool comprises a novel Web-based, client-server application that enables customers to access their ... 05/18/06 - 20060106734 - 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 ... 05/04/06 - 20060095387 - Method for computer network operation providing basis for usage fees A computer network having a requesting node and a providing node permits data transfer therebetween when permitted by an authorizing node. Reports generated in response to authorizations and reports generated in response to data transfers are reconciled at a reconciliation node to improve the accuracy of payments collected and paid ... 05/04/06 - 20060095386 - System and method for trust management Disclosed is a system and method for establishing communications between a first node and a second node to enable interaction to occur over a network. The first node has a pre-established trust relationship with a first supporting node and the second node has a pre-established trust relationship with a second ... 05/04/06 - 20060095385 - Method and network for selectively controlling the utility a target A distribution control system is provided to support the controlled and selective changing of utility for a target. The target with controlled utility may be an electronic device, or alternatively, may be a tangible media, such as an optical disc. The distribution control system has a target with a change ... 05/04/06 - 20060095384 - Apparatus with electronic information transfer function or the like, program for electronic information transfer, and method for electronic information transfer An information processor transmits and receives electronic information via a network, and includes an electronic information encrypting unit which encrypts the electronic information. A storage unit stores the electronic information and the encrypted electronic information data encrypted by the electronic information encrypting unit. An electronic credit generating unit generates a ... 04/27/06 - 20060089918 - System and method for performing real-time market researches A system for performing market researches is proposed. The system includes a sniffer for detecting an event relating to the selection of one or more goods by a consumer (for example, the insertion of each product on sale in a supermarket into a shopping cart), a transmitter for notifying the ... 04/20/06 - 20060085357 - Methods and systems for performing credit transactions with a wireless device Methods and systems are provided of initiating a wireless device for use in performing transactions. A wireless communication is received from the wireless device at a host system. The wireless communication identifies a financial account to be authorized for use in supporting transactions. A location-positioning signal is received at the ... 03/16/06 - 20060059108 - Financial transaction approval system and method A method of sale including processing a plurality of purchases to be sold to a consumer, identifying a consumer financial account held by a financial institution, receiving authorization from the financial institution to enable payment for the plurality of purchases from the consumer financial account, and providing the consumer with ... 03/16/06 - 20060059107 - System and method for establishing eletronic business systems for supporting communications servuces commerce A comprehensive electronic business support system comprises three layers: (1) the business layer, including various smart components which unify data and business processes across all customer interactions; (2) the integration layer, including various communications messaging interfaces and enterprise application integration adpaters, which provide a flexible, automated, and process driven solution ... 03/09/06 - 20060053082 - System and method for constructing transactions from electronic content A system and method for constructing transactions by requesting content from content providers, such as web sites, according to automatically generated content references. From that content and according to user-defined rules, the system can generate other content references, and request and access further content. Statistics can be maintained for each ... 03/02/06 - 20060047605 - Privacy management method and apparatus A computer implemented method describes managing privacy information. Initially, a request is received from a requester for the privacy information of an entity. The request is often the result of an applicant submitting a form or application to the requester. Next, implementations of the present invention create a privacy transaction ... 02/23/06 - 20060041514 - Secure internet transactions on unsecured computers The present invention is directed to a secure electronic registration and voting solution incorporating integrated end-to-end voting system architecture and processes providing secure identification and authentication, voter registration, ballot definition, ballot presentation to the voter, voting, and ballot tabulation via secure transmission over the network. The disclosed embodiments of the ... 02/09/06 - 20060031173 - Method and apparatus for secure electronic commerce One embodiment of the present invention provides a system that facilitates secure electronic commerce. The system operates by first providing a consumer with a file of security data relating to an account maintained by a financial institution. The consumer then creates a financial transaction with a merchant using security data ... 01/26/06 - 20060020558 - Method and system for proffering multiple biometrics for use with a smartcard The present invention discloses a system and methods for biometric security using multiple 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 ... 01/05/06 - 20060004671 - Exception notification system and method A system and method for distributing prepaid cash alternatives and resolving exceptions related to the sale of prepaid cash alternatives such as traveler's cheques or prepaid cards. Reports of sales may be reviewed to identify exceptions, and information explaining the exceptions may be made available electronically. Sellers may be notified ... 01/05/06 - 20060004670 - System and method for providing payment services in electronic commerce A system and method are disclosed for providing a plurality of payment services to facilitate electronic commerce. In one embodiment, services are provided within the context of a four-corner trust model comprising a buyer and a seller that engage in an on-line transaction. The buyer is a customer of a ... 12/29/05 - 20050289081 - Computing system and method for secure sales transactions on a network A Secure File Distribution Network (SFDN) method and computer system allows copyrighted digital data files to be sold securely by independent sales parties and ensures that all authors and distributors of the work are paid all royalties and fees owed to them, regardless of who is selling the file. A ... 12/29/05 - 20050289080 - Transaction system A transaction system includes a network of terminals and a network of servers which form separate communication networks for impersonal transaction and anonymous transmission. No reference to an individual person exists for executing card transactions at a point of sale. The terminals generate impersonal identifiers for a discrete card and ... 12/29/05 - 20050289079 - Systems and methods for biometric identification Apparatus and methods for registering biometric information may include receiving the biometric information from an individual; receiving identification information from the individual; and certifying that the identification information identifies the individual. Apparatus and methods for verifying the identity of a participant in an electronic transaction may include receiving over an ... 12/29/05 - 20050289078 - Electronic signature method A method in which a telephony operator acts as a recording authority and certification authority for secured transactions between a subscriber and a provider. Communications between the subscriber (101) and the operator (113) are signed with a symmetrical algorithm (108c, 117C). The communications between the operator and the provider are ... 12/22/05 - 20050283442 - Method and system for transmitting secured electronic documents A system and method of filing documents electronically or otherwise where the documents are secured from modification. The security provides proof that the items to be submitted have remained unchanged since the encryption was applied. A first installation account within a first installation is created, the first installation account having ... 12/22/05 - 20050283441 - Efficient policy change management in virtual private networks A solution is provided wherein the granularity of traffic disruption is on a per rule basis rather than a per customer basis. In an embodiment of the present invention, this is accomplished using two banks, an active bank, which may be used to work on the live traffic flowing through ... 12/08/05 - 20050273440 - Multi-way transaction related data exchange apparatus and methods Methods and apparatus for conducting electronic transactions such as commerce transactions or purchases and exchanging related information. In one aspect, a robust and integrated apparatus and associated method is provided whereby a purchaser can securely provide transaction data and/or information in an electronic format to another party such as a ... 11/24/05 - 20050262025 - Systems and methods for brokering data in a transactional gateway Systems and methods for brokering data are invented and disclosed. A system for producing a data model comprises a message broker, filters, and a data collector. The message broker includes an interface configured to receive client requests from a plurality of communication devices, a transaction request identifier configured to identify ... 11/17/05 - 20050256806 - Method and system to facilitate securely processing a payment for an online transaction A computer-implemented method, to facilitate processing a payment for an online transaction, includes, responsive to receiving secure transaction data from a merchant server, using a payment processor to generate a transaction data identifier to identify the transaction data. The payment processor communicates the transaction data identifier to the merchant server. ... 10/13/05 - 20050228754 - Marketing method A first party provides third party access to second party information through a network. The third party is able to use a device capable of receiving unsolicited communications (spam), without the second party receiving spam enabling information concerning the third party device. The first party receives an information identifier and ... 10/06/05 - 20050222961 - System and method of facilitating contactless payment transactions across different payment systems using a common mobile device acting as a stored value device A system for facilitating contactless payment transactions across different contactless payment systems using a common mobile device that acts as a stored value device is provided. A combination of a mobile application and a communication module allows the mobile device, which is associated with one payment system, to emulate various ... 09/29/05 - 20050216421 - Integrated business systems for web based telecommunications management The specification discloses a method of doing business over the public Internet, particularly, a method which enables access to legacy management tools used by a telecommunications enterprise in the management of the enterprise business to the enterprise customer, to enable the customer to more effectively manage the business conducted by ... 09/22/05 - 20050209974 - Method and apparatus for providing transaction-level security A method and apparatus is presented for providing transaction-level security. The method comprises determining security information associated with at least one object of a transaction and determining if a remote device is capable of providing a level of security indicated by at least a portion of the security information. The ... 09/15/05 - 20050203855 - Information management system An information management system is described comprising one or more workstations running applications to allow a user of the workstation to connect to a network, such as the Internet. Each application has an analyzer, which monitors transmission data that the application is about to transmit to the network or about ... 09/15/05 - 20050203854 - Method and system for using a camera cell phone in transactions A method facilitating a transaction between a camera-phone user and a business entity. The business entity produces a printed medium indicating a transaction. The printed medium includes a barcode that includes direct contact data for communicating with the business entity. The barcode further includes specific transaction data relating to the ... 09/08/05 - 20050197968 - Method and system for using a camera cell phone in transactions A method facilitating a transaction between a camera-phone user and a business entity. The business entity produces a printed medium indicating a transaction. The printed medium includes a barcode that includes direct contact data for communicating with the business entity. The barcode further includes specific transaction data relating to the ... 08/25/05 - 20050187882 - Electronic payment schemes in a mobile environment for short-range transactions A short-range transaction system enables a user to conduct transactions with a self-service terminal in a user-friendly environment without using currency. The user carries a portable smart card, which interacts with a mobile phone. After authentication via an RFID connection, the device MAC address and a security key (K) are ... 08/25/05 - 20050187881 - System and data structure for account management An account management system has been developed that enables customer or client-related information to be stored, viewed and manipulated in a manner that reflects the relationship among different customers. The account management system includes an account data structure that defines accounts and relates customers to accounts so that the accounts ... 08/18/05 - 20050182733 - Method and apparatus for executing cryptographically-enabled letters of credit A method and apparatus for executing electronic transactions using cryptographically-enabled accounts stores cryptographically-enabled account information and instructions, receives a cryptographically-encoded permission certificate, and processes the received permission certificate to execute the transactions. ... 08/11/05 - 20050177518 - Electronic funds transfer and electronic bill receipt and payment system A software system that is used by consumers with electronic communications systems such as email or instant messaging, and an account such as a checking account to leverage these systems to transfer funds electronically to other consumers and businesses with similar electronic communications systems and to receive and pay bill ... 08/11/05 - 20050177517 - System and method for facilitating electronic financial transactions using a mobile telecommunication device A transaction processing system for processing a transaction between a supplier and a customer, said system comprising a supplier device for initiating the transaction, a system server and a mobile communication device, said device containing a message processing program module for enabling local verification of the transaction within the mobile ... 07/28/05 - 20050165695 - System and method for payment using radio frequency identification in contact and contactless transactions A transponder-reader payment system includes a RFID reader for interrogating a transponder, and a fob including a transponder which is associated with fob data file funded by one or more funding sources. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a ... 07/21/05 - 20050160051 - Network-accessible account system The present invention is directed to methods of, and systems for, allowing an account participant to add value via a wide-area network to a first account from a second account. A first account server coupled to a wide-area network supports the first account. In a preferred embodiment the wide-area-network-accessible value ... 07/21/05 - 20050160050 - Conversion system for encrypting data in a secure transaction A transaction system includes a transaction terminal and a host computer coupled to a transaction network to enable a transaction to be conducted between the transaction terminal and the host computer over the network. In one embodiment of the present invention, the transaction terminal comprises an ATM terminal operable to ... 07/07/05 - 20050149456 - Electronic means of payment with individually settable security features for the internet or for mobile networks Electronic means of payment require specific procedures concerning the use thereof as well as set security features. Disclosed is a means of payment allowing the user to add individual security features, comprising the use of specific devices that are available to the user, the purchasing procedure, and additional general conditions ... 07/07/05 - 20050149455 - Method and system for providing advanced authorization A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message ... 07/07/05 - 20050149454 - Device and method for digital certificate distribution The present invention discloses a device and a method for digital certificate distribution. The device comprises at least an digital certificate receiver for receiving and storing at least an digital certificate, a display being provided on the digital certificate receiver for displaying the digital certificate; an digital certificate transmitter for ... 06/30/05 - 20050144142 - Mobile settlement system and device The present invention relates to a mobile settlement system for performing settlement by a mobile terminal, which improves efficiency and convenience of self-service service apparatuses. A mobile communication device performs, via a network, settlement for the service received from a service providing apparatus having no network communication function. The mobile ... 06/16/05 - 20050131837 - Method, system and program product for communicating e-commerce content over-the-air to mobile devices Product or service information in the form of selected wireless e-commerce content is transmitted from a server to a mobile device, such as mobile telephone or personal digital assistant. The e-commerce content is transmitted either in response to an explicit user request for communication of the e-commerce content, or, in ... 06/16/05 - 20050131836 - Method, device and software for ordering and paying for a purchase There is disclosed a method, device and software for allowing a buyer to order and pay for products with minimal action required on the part of the buyer. In an embodiment, a display component displays to the buyer a product available for purchase from a merchant through a merchant computing ... 06/16/05 - 20050131835 - System for pre-trusting of applications for firewall implementations A system which dynamically generates a list of applications on an individual machine that a firewall application should enable access to the internet by default is provided. The list is generated via registering applications during factory installation. Firewall applications scan this list of registered applications during the installation or setup ... 06/16/05 - 20050131834 - E-commerce by check Methods, systems, and media to facilitate payment by check for a web commerce transaction are contemplated. Embodiments include hardware and/or software for providing a purchaser with an encoded personal identification number (PIN); receiving the encoded PIN in response to an offer of payment by the purchaser to a merchant by ... ### FreshPatents.com Support |