Did You Know...
...that the video game, Pong, was invented by a guy who graduated at the bottom of his engineering class? Nolan Bushnell spent more time running the games at a local amusement park than he did on his studies at the University of Utah. His dreams of working for Disney's amusement empire were dashed when the company wouldn't hire him. Taking a boring job, Nolan daydreamed about electronic versions of popular games. He invented Pong, the first video game, and went on to found Atari Co.
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| Number | Title | Issue Date |
| 8175972 | Pre-paid card transaction computer to load a loan on a pre-paid card A loan transaction for a pre-paid card is approved for a borrower so that release of the loan proceeds is pending an activation of a pre-paid card. A pre-paid card transaction computer activates a pre-paid card responsive to an activation request on behalf of the bo... | 05/08/2012 |
| 8175973 | Internet payment, authentication and loading system using virtual smart card A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual smart card data base that has a record of information for each smart ca... | 05/08/2012 |
| 8156047 | System and method for funding a collective account A system and method for funding a collective account such as a charitable account includes issuing a plurality of financial instruments, linking the financial instruments to the collective account, aggregating individual financial instrument usage, calculating a bon... | 04/10/2012 |
| 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 |
| 8131642 | Controlling the value of a plurality of transactions involving payment token A method of controlling the value of at least one on-line transaction involving a token associated with an authorized user comprises the steps of: prior to the at least one proposed transaction, receiving at a pre-transaction authorization station, pre-transaction a... | 03/06/2012 |
| 8126806 | Method for launching an electronic wallet A portable electronic device is disclosed. The portable electronic device comprises a contactless communication transceiver configured to provide payment information to a point-of-sale terminal, a first input device configured to receive inputs, and a processor. The... | 02/28/2012 |
| 8108308 | Life settlement transaction system and method involving apportioned death benefit A method and system for structuring a life settlement with a paid-up policy transaction. An existing insurance policy holder exchanges an existing insurance policy for a paid-up insurance policy or life insurance group certificate purchased by a buyer on a secondary... | 01/31/2012 |
| 8108307 | System, method and apparatus for value exchange utilizing value-storing applications A system, method and apparatus for exchanging value using a smart card in a financial transaction is disclosed. The system includes a smart card having a contact interface and a contactless interface interactive with a closed purse application and an open purse appl... | 01/31/2012 |
| 8103586 | Methods and systems for exchanging and/or transferring various forms of value Methods and systems for exchanging various forms of value, including coins, currency, credit, debit, and/or bank account funds, for prepaid cash cards, credit cards, phone cards, and the like. In one embodiment, a value exchange machine includes a coin input region,... | 01/24/2012 |
| 8055584 | Systems and methods for fraud management in relation to stored value cards Systems and methods for monitoring and/or preventing fraud in relation to account acquisition. In some cases, this account acquisition is ongoing in relation to stored value accounts. Some of the methods provide for receiving suspicious activity indications from one... | 11/08/2011 |
| 8027881 | Custom messaging gift card system The present invention includes a gift card custom messaging system for creating gift card accounts on a database that includes custom messages created by the purchaser for display on receipts of purchase transactions made by the gift card recipient to convey custom ... | 09/27/2011 |
| 8027919 | Method and apparatus for allowing secured overdrafts of reloadable debit card accounts The invention discloses a reloadable debit card which may be overdrawn by authorized merchants thus allowing future and recurring payments to be made via ACH transactions against this debit card. In addition, the cardholder may repay indebtedness simply by depositin... | 09/27/2011 |
| 8024272 | Methods and systems for exchanging/transferring gift cards Methods and systems for exchanging various forms of value, including coins, currency, credit, debit, and/or bank account funds, for prepaid cash cards, credit cards, phone cards, and the like. In one embodiment, a value exchange machine includes a coin input region,... | 09/20/2011 |
| 8019684 | Smart card load and purchase transactions using wireless telecommunications network A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card rea... | 09/13/2011 |
| 8005756 | 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 acco... | 08/23/2011 |
| 8001047 | Method and apparatus for effecting payment One aspect of the invention relates to a technique for effecting payment, and involves: presenting a portable device; and causing the portable device to output a pseudo payment code. ... | 08/16/2011 |
| 8001048 | Non-cash transaction incentive and commission distribution system An electronic fund transfer system is disclosed wherein commissions for point-of-sale purchase transactions are determined and distributed to members of an organizational network for promoting use of a non-cash payment device that is tangible for effecting purchase ... | 08/16/2011 |
| 7991693 | System and method for distribution of payment media Systems and methods of the present disclosure provide a method for distributing payment media to a customer. In various embodiments, the systems and methods include receiving a request from a user via a network, generating a virtual payment number related to the use... | 08/02/2011 |
| 7991694 | Mobile electronic commerce system The objective of the present invention is to provide a mobile electronic commerce system that is superior in safety and usability. The mobile electronic commerce system comprises an electronic wallet 100, supply sides 101, 102, 103, 104 and 105,... | 08/02/2011 |
| 7991692 | Electronic payment instrument and packaging Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device. ... | 08/02/2011 |
| 7979351 | Prepaid transaction card activation system and method The present subject matter relates to reloadable or non-reloadable prepaid transaction card activation systems. More specifically, the system provides a platform for activation of prepaid or stored value transaction cards and capture of customer demographic informat... | 07/12/2011 |
| 7974920 | Benefit planning Methods, computer readable media, and systems including program instructions are provided for use with benefit planning. A method embodiment includes providing terms for a number of benefit plans available to a potential participant. The embodiment also includes rec... | 07/05/2011 |
| 7945514 | System and method for funding a collective account A system and method for funding a collective account such as a charitable account includes issuing a plurality of financial instruments, linking the financial instruments to the collective account, aggregating individual financial instrument usage, calculating a bon... | 05/17/2011 |
| 7930249 | Mobile wireless financial instrument for automatically selecting a payment instrument The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically sel... | 04/19/2011 |
| 7908216 | Internet payment, authentication and loading system using virtual smart card A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual smart card data base that has a record of information for each smart ca... | 03/15/2011 |
| 7873575 | Dynamic credit spread model Systems and methods for calculating a value of a credit hybrid. The value of the credit hybrid is determined based on a model of the forward hazard rate that is based on a stochastic differential equation that includes a jump term for the hazard rate. The jump term ... | 01/18/2011 |
| 7870073 | Method to pay with a smart card A payment method (BV) executed by a communication facility (1, 2, 8, N) and at least one data carrier (11, 12, K) for debiting a payment value unit (BW) from the data carrier (11, 12, K), in order to pay for a performed service, wherein the foll... | 01/11/2011 |
| 7860792 | Home asset management account A home asset management account system is provided that includes a first mortgage account and an equity line of credit (LOC), a periodic sweep feature between the first mortgage and equity LOC, a periodic property value review feature of the first mortgage, and a st... | 12/28/2010 |
| 7860793 | Smart secure storage A healthcare smart card management system stores a large amount of healthcare information to overcome shortcomings of separate and largely paper medical and insurance files. Embedded security technology supports partial or separated identity proofing as well as hard... | 12/28/2010 |
| 7853526 | Data transaction profile compression Techniques for compressing data transaction history profiles are disclosed. Such profiles can include a plurality of profile variables with each profile variable comprising a real number that provides a factor for determining whether a proposed data transaction is i... | 12/14/2010 |
| 7827106 | System and method for manufacturing a punch-out RFID transaction device The present invention relates to a process for producing an irregularly shaped Radio Frequency operable transaction device using conventional International Standards Organization dimensions for conventional transaction cards. The invention provides for normal manufa... | 11/02/2010 |
| 7818253 | 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 acco... | 10/19/2010 |
| 7814015 | Methods and systems for performing a sales transaction using a mobile communications device Methods and systems for performing sales transactions using a mobile communications device and without requiring text messaging or paging services are disclosed. In one example, a subscriber desiring to purchase goods or services proceeds to a point of sale device w... | 10/12/2010 |
| 7814014 | Providing dual number access electronic wallet An electronic wallet is based upon a centralized personal data base (CPDB). In the CPDB system merchants obtained customer information by using a primary number and a secondary number given to them by the customer. The CPDB electronic wallet provides a primary numbe... | 10/12/2010 |
| 7809642 | 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 acco... | 10/05/2010 |
| 7809643 | 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 acco... | 10/05/2010 |
| 7809641 | System and method for funding a collective account A system and method for funding a collective account such as a charitable account includes issuing a plurality of financial instruments, linking the financial instruments to the collective account, aggregating individual financial instrument usage, calculating a bon... | 10/05/2010 |
| 7805368 | 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 acco... | 09/28/2010 |
| 7801816 | System and method for currency selectable stored value instrument The invention provides a currency selectable stored value instrument, whose currency may be chosen or converted at the time value is loaded, after load but prior to redemption of value, at the time of redemption, or at other times. One embodiment of the system is co... | 09/21/2010 |
| 7792751 | Method and system for delayed payment of prepaid cards A method and system for accepting delayed payment of prepaid cards is described. The method includes providing a prepaid card to a purchaser, the prepaid card associated with a face value. The method includes, responsive to a redemption of the prepaid card, providin... | 09/07/2010 |
