Quotables
"Rail travel at high speeds is not possible because passengers, unable to breathe, would die of asphyxia."
Dionysius Lardner, Professor of Natural Philosophy and Astronomy at University College, London ; 1830
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| Number | Title | Issue Date |
| 8151335 | Proxy authentication methods and apparatus A proxy authentication method and apparatus is described for use in user authentication, e.g. for payment transactions. The authentication is carried out before the transaction between a electronic, e.g. digital identification device and a person terminal. Ve... | 04/03/2012 |
| 8150767 | System and method for conducting electronic commerce with a remote wallet server A method is provided for conducting a transaction over a computer network (such as the Internet) where the remote wallet server conducts a transaction with a merchant computer in a format substantially compliant with a chip card electronic commerce protocol or speci... | 04/03/2012 |
| 8136726 | Methods for providing stand-in services for transaction card customization The present invention is directed to methods for billing a transaction card applicant for the cost of a new customized transaction card as a stand-in service on behalf of a transaction card issuer. In some embodiments, the method comprises the steps of: (a) sending ... | 03/20/2012 |
| 8126791 | Methods and systems for providing a decision making platform A method for enriching the data associated with financial transaction card transactions using a computer system is described. The method includes receiving financial transaction data from a plurality of input channels, each input channel associated with a financial ... | 02/28/2012 |
| 8095438 | Methods and systems for assigning interchange rates to financial transactions using an interchange network A method for assigning an interchange rate to a financial transaction is provided. The method uses at least one input device in communication with an interchange database. The financial transaction is initiated by a cardholder using a card over a card interchange, t... | 01/10/2012 |
| 8090654 | Techniques for transaction adjustment Techniques are provided for transaction adjustment. A payment device, having an offline balance, is presented to an offline terminal in connection with a putative transaction. If an irregularity with the putative transaction is detected, the offline balance is adjus... | 01/03/2012 |
| 8086534 | Methods and systems for cardholder initiated transactions A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method inclu... | 12/27/2011 |
| 8041030 | Techniques for evaluating live payment terminals in a payment system Live payment terminals employing payment system public keys are evaluated. Dedicated test payment cards are internally issued by an operator of the payment system. Presentation of at least one of the cards to at least one of the terminals is facilitated. Testing the... | 10/18/2011 |
| 8028902 | 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 noti... | 10/04/2011 |
| 8027890 | Methods and systems for processing a financial transaction A method for processing a financial transaction such as an electronic bill payment is provided. The method includes receiving an electronic bill payment wherein the bill payment is submitted on behalf of a consumer in response to a bill associated with a biller, det... | 09/27/2011 |
| 8001585 | Methods and systems for providing website hosting security A method for registering user identification data in an application service provider data repository is provided, where the application service provider provides web services for a plurality of customers, each customer having a plurality of users with respective use... | 08/16/2011 |
| 7988058 | Payment device with audio and/or visual capability and associated method A payment device includes a memory, a processor coupled to the memory, a communications module coupled to the processor and configured to interact with a payment terminal, a sound-producing element coupled to the processor, and an associated body portion. The memory... | 08/02/2011 |
| 7984857 | System and method enabling fourth line embossing on contactless cards Antenna designs are provided for contactless payment cards. The antennas have reduced size compared to the size of traditional rectangular antennas deployed in ISO-format contactless payment cards. The reduced size antennas are geometrical disposed in areas removed ... | 07/26/2011 |
| 7983987 | System and method for conducting secure payment transaction In a secure electronic payment system, authentication data based on a payment account (e.g., a credit card account) is sent from an authentication server, through a user's Web browser, to a merchant's computer. The merchant's computer sends the authentication data t... | 07/19/2011 |
| 7967194 | 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 serve... | 06/28/2011 |
| 7958052 | Methods and systems for cardholder initiated transactions A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method inclu... | 06/07/2011 |
| 7956294 | System and method for protection against skimming of information from contactless cards Contactless payment cards with on-card microchips are transported in mailers with RF shielding. The RF shielding is designed to prevent communication with and skimming of information from the contactless cards enclosed in the mailers while in transit. ... | 06/07/2011 |
| 7925652 | Methods and systems for implementing approximate string matching within a database A computer-based method for character string matching of a candidate character string with a plurality of character string records stored in a database is provided. The method includes identifying a set of reference character strings in the database wherein the refe... | 04/12/2011 |
| D635359 | Silicone card frame with RFID payment device | 04/05/2011 |
| 7917435 | Apparatus and method for facilitating account restructuring in an electronic bill payment system A system can have a plurality of participating entities including a plurality of receivers and a plurality of originators. A data file indicative of an account restructuring of a given one of the receivers can be obtained. The data file specifies at least one old ac... | 03/29/2011 |
| 7866552 | 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 ... | 01/11/2011 |
| 7828204 | 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... | 11/09/2010 |
| 7801825 | Systems and methods for conducting secure payment transactions using a formatted data structure A formatted data structure is provided for conveying the results of ecommerce authentication programs that are used to authenticate a cardholder's on-line transactions. The data structure, which has at most a 20-byte length, is designed to be compatible with 3-D Sec... | 09/21/2010 |
| 7775445 | Reference equipment for testing contactless payment devices Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment is designed to simulate the external behavior of a variety of payment devices that are cu... | 08/17/2010 |
| 7765162 | Method and system for conducting off-line and on-line pre-authorized payment transactions A system and method for conducting a financial transaction using an integrated circuit device issued by a card issuer and capable of conducting off-line and on-line transactions with a payment card network. The method includes utilizing the card for conducting a tra... | 07/27/2010 |
| 7756786 | Method and system for processing messages in a bill payment and presentment system over a communications network In a bill payment and presentation system, a method for electronically routing billing information over a communications network is provided, using an open financial exchange communication protocol. The method provides for a centrally located mainframe system and a ... | 07/13/2010 |
| 7717346 | Collision detection and avoidance scheme for contactless card payment systems An electronic payment system for conducting transactions by presenting a contactless payment card to a card reader. The card reader processes transactions when only one card is present in its operating field. The card reader uses collision detection and avoidance al... | 05/18/2010 |
| 7694882 | System and method for integrated circuit card data storage A system and method for obtaining and storing information in an integrated circuit card is provided for use in a transaction over different environments. The card includes a memory unit having data records including formatted and unformatted fields, preferably compr... | 04/13/2010 |
| 7681788 | 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 acc... | 03/23/2010 |
| D612419 | Combined wristband and RFID payment device | 03/23/2010 |
| 7669772 | 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 ... | 03/02/2010 |
| 7657486 | 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 appl... | 02/02/2010 |
| 7636694 | Apparatus and method for generating an electronic-commerce personal identification number cryptographically related to an ATM personal identification number An apparatus and method by which a user or cardholder can be given an Electronic-Commerce PIN that bears no discernible relation to the ATM PIN, but from which the ATM PIN can be cryptographically determined using the cardholder's account number and an issuer-unique... | 12/22/2009 |
| 7628319 | Method and system for enabling item-level approval of payment card A method includes the steps of facilitating obtaining indicia identifying individual items to be purchased at a point of interaction, in conjunction with an inbound authorization request; facilitating translation of the indicia into a form understandable by a third ... | 12/08/2009 |
| 7580891 | Method and system for assisting in the identification of merchants at which payment accounts have been compromised A method and system for identifying merchants at which payment accounts (e.g., credit card accounts) have been compromised. A set of “pre-fraud” payment accounts is first identified, the pre-fraud accounts being compromised accounts previously used to conduct le... | 08/25/2009 |
| D597307 | Silicone card frame clip with RFID payment device | 08/04/2009 |
| 7520435 | Contactless payment card reader with a frusto-conical operating volume A contactless payment card reader has a frusto-conical operating volume. The frusto-conical shaped operating volume has defined magnetic field strengths for powering and communicating with proximity payment cards. The reader can serve as a reference reader, which is... | 04/21/2009 |
| D584360 | Combined sticker with RFID payment device | 01/06/2009 |
| 7431217 | Reference equipment for testing contactless payment devices Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment is designed to simulate the external behavior of a variety of payment devices that are cu... | 10/07/2008 |
| 7428509 | Method and system for detecting payment account fraud A method and system for identifying patterns of payment account (e.g., credit card account) transactions that have a high probability of being part of a fraudulent scheme. Certain merchant accounts and payment accounts may have been obtained under false pretenses. F... | 09/23/2008 |
