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"The Americans have need of the telephone, but we do not. We have plenty of messenger boys."
Sir William Preece, chief engineer, British Post Office ; 1878
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| Number | Title | Issue Date |
| 7373671 | Method and system for user information verification A system and method for authenticating users based on personal information. The personal information may include age-related data where the users are interested in receiving age-restricted content. The personal information may include an address and a permission req... | 05/13/2008 |
| 7349557 | Electronic transaction verification system An electronic transaction verification system for use at a location where a transaction token is presented for payment. The electronic transaction verification system digitizes various indicia of the token, and transmits the transaction information data to a central... | 03/25/2008 |
| 7318048 | Method of and system for authorizing purchases made over a computer network A method of and system for authorizing purchases made over a computer network is provided. In accordance with the present invention, a consumer electronically transmits an ATM card number over the network to an on-line merchant from which the consumer desires to mak... | 01/08/2008 |
| 7254548 | System and method for the administration of financial accounts using profiles A credit facility for controlling financial transactions is arranged with the ability of users to establish self-imposed limits on a category by category basis. The processing system provides messages and other information to the user, both on-demand and at the poin... | 08/07/2007 |
| 7231068 | Electronic transaction verification system An electronic transaction verification system for use with transaction tokens that gathers and transmits information about the transaction token and biometric data. The electronic transaction verification system preferably digitizes various indicia of the token and ... | 06/12/2007 |
| 7151451 | Near field presence detection device The invention relates to a near field presence detection device provided to monitor an area (11) around a mouth (2) of a reading member, in particular a card reading member (1). The device comprises a presence detector (3) including a tra... | 12/19/2006 |
| 7096192 | Method and system for detecting fraud in a credit card transaction over a computer network A method and system for detecting fraud in a credit card transaction between consumer and a merchant over the Internet. The method and system comprises obtaining credit card information relating to the transaction from the consumer; and verifying the credit card inf... | 08/22/2006 |
| 7096003 | Transaction security apparatus An apparatus including a memory device for storing a limitation or restriction on an account use received via the Internet and/or World Wide Web and a processing device for determining whether a transaction on the account or a use of a wireless or cellular communica... | 08/22/2006 |
| 7066669 | Method of creating an image replacement document for use in a check truncation environment and an apparatus therefor A method of creating an image replacement document (IRD) during two passes of a sheet material through a printing apparatus including building a first print file portion based upon IRD data, building a second print file portion based upon IRD data, printing with non... | 06/27/2006 |
| 7066668 | Method of creating an image replacement document for use in a check truncation environment and an apparatus therefor An image replacement document (IRD) is created in a single feed of sheet of material through a feeder. A print file having a MICR portion and a non-MICR portion is built based upon IRD data. The IRD data used to build the print file may be from an external applicati... | 06/27/2006 |
| 7050526 | Information processing apparatus and data communication method An information apparatus switches a display at a predetermined area which includes at least a part of a portion where an electromagnetic-wave emitting unit used for data communications with a data storage device is disposed, according to data communication processin... | 05/23/2006 |
| 7039167 | Call routing system and method System and method for providing at least one predetermined automated message to an account holder via a voice response unit based on a likely reason for the call by the account holder to be because of a recent transaction decline. ... | 05/02/2006 |
| 7020638 | System and method for flexible micropayment of low value electronic assets An electronic asset system mints a stick of electronic assets that can be spent by the user with multiple vendors. Assets sticks are issued anonymously or non-anonymously in a way without requiring dedication to a particular vendor, hence allowing the user to spend ... | 03/28/2006 |
| 7014107 | 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 communica... | 03/21/2006 |
| 7002474 | Radio frequency identification (RFID) tag and a method of operating an RFID tag A radio frequency identification (RFID) tag comprises RFID circuitry, an antenna, and a detector responsive to electromagnetic radiation of a predetermined frequency and for controlling cooperation between the RFID circuitry and the antenna when electromagnetic radi... | 02/21/2006 |
| 6985886 | Method and apparatus for a mortgage loan management system The automated system of the present invention uses the Federal, State, local and professional regulations and requirements and implementing instructions to generate a plurality of tasks which can be used to control and drive the process of handling a mortgage loan a... | 01/10/2006 |
| 6965323 | Communal vehicle system In a motor vehicle sharing system for managing motor vehicles parked in a parking area and renting the motor vehicles to users, the motor vehicle is provided with a detector for detecting the start and end of motor vehicle rental, and a usage data measuring section ... | 11/15/2005 |
| 6957770 | System and method for biometric authorization for check cashing A system for authorizing a check cashing transaction between a consumer and a merchant using identity verification based on biometric information. A system comprises a central biometric information database containing biometric and personal identity-verifying data r... | 10/25/2005 |
| 6873260 | System and method for selectively allowing the passage of a guest through a region within a coverage area A system and method for selectively allowing the passage of a guest through a region within at a coverage area. The system includes a turnstile system having an RFID reader, a network interface, an entry mechanism and a processor, and a central server having a netwo... | 03/29/2005 |
| 6871288 | Computerized password verification system and method for ATM transactions A computerized password verification system and associated method is disclosed for discreet recognition and reporting of a duress transaction being imposed upon a user at an ATM or other remote cash-dispensing terminal. The inventive system utilizes conventional ATM... | 03/22/2005 |
| 6600416 | Device for validating authenticity features on documents of value and security documents The invention relates to a device for validating authenticity features on documents of value and security documents, especially bank notes, personal documents, plastic cards and similar. The device consists of an automatic testing apparatus into which the... | 07/29/2003 |
| 6525646 | Identification system for the user of a vehicle In an identification system for the user of a vehicle having a mobile transponder which contains a memory for an authorization code and a transmitting-receiving device for transmitting the authorization code to a vehicle-fixed receiver, the transponder is... | 02/25/2003 |
| 6484023 | Apparatus of a wireless electronic account book An apparatus and a control system to communicate with a portable wireless communication device to act as an electronic account book. The system comprises: an information providing dealer to provide a personal bank savings; an information transmission deal... | 11/19/2002 |
| 6480098 | Remote vehicle control system including common carrier paging receiver and related methods A vehicle remote control system includes a common carrier paging receiver and an adapted remote transmitter coupled to the paging receiver to communicate with the system function controller. The system preferably includes a plurality of transmitters inclu... | 11/12/2002 |
| 6430305 | Identity verification methods Apparatus for fraud detection for an account includes a plurality of N statistical estimators which estimate the likelihood of a transaction being fraudulent from data about a transaction on the account and transaction history of the account. A statistica... | 08/06/2002 |
| 6279826 | Fault monitoring and notification system for automated banking A system operates to receive status messages from banking machines (12) operating in a network (14). The messages are received by an event management system (20) operating at least one computer (54) in operative connection with a data store (52). The data... | 08/28/2001 |
| 5984178 | Fault monitoring and notification system for automated banking machines A system operates to receive status messages from banking machines (12) operating in a network (14). The messages are received by an event management system (20) operating at least one computer (54). The computer is in operative connection with a data sto... | 11/16/1999 |
| 5917421 | Method of authenticating an application program and a system therefor An unattended system, such as a self-service terminal or an automated teller machine, includes a memory unit which stores a number of application programs, and a register unit which stores a number of signatures associated with the application programs. T... | 06/29/1999 |
| 5893080 | Disbursement system and method A computerized payment disbursement system and method are provided. One embodiment of the method of the present invention includes storing in a computer database user-defined payment disbursement criteria associated with a plurality of types of disburseme... | 04/06/1999 |
| 5878138 | System and method for detecting fraudulent expenditure of electronic assets An electronic asset system includes tamper-resistant electronic wallets that store non-transferable electronic assets. To break such tamper-resistant wallets, the criminal is expected to spend an initial investment to defeat the tamper-resistant protectio... | 03/02/1999 |
| 5812765 | Multi-media remote data access terminals and system A public internet access terminal includes an access station, and computer apparatus at the station and including a user keyboard and data display, and a user credit card reader at the station, and the computer apparatus including circuitry operatively co... | 09/22/1998 |
| 5793302 | Method for securing information relevant to a transaction A transaction system wherein, when a transaction, document or thing needs to be authenticated, information associated with one or more of the parties involved is coded together to produce a joint code. This joint code is then utilized to code information ... | 08/11/1998 |
| 5729460 | Method for payment of the recrediting of an electronic postage meter and arrangement for the operation of a data central In a method and apparatus for paying for recrediting of an electronic postage meter machine, switchable into a reloading mode, and communicating with a data central, data is entered into the postage meter machine and the postage meter machine is switched ... | 03/17/1998 |
| 5724424 | Digital active advertising A complete system for the purchasing of goods or information over a computer network is presented. Merchant computers on the network maintain databases of digital advertisements that are accessed by buyer computers. In response to user inquiries, buyer co... | 03/03/1998 |
| 5712629 | Device for interfacing point of sale systems with external peripheral units A device (12) for interfacing an external peripheral unit (18) to a store controller (16) and store terminal (14) of a point of sale (POS) system has been provided. The interface device includes an MPU (50) for passively monitoring the data coming from th... | 01/27/1998 |
| 5708422 | Transaction authorization and alert system An automated method for alerting a customer that a transaction is being initiated and for authorizing the transaction based on a confirmation/approval by the customer thereto. In accordance with one illustrative embodiment, a request to authorize the tran... | 01/13/1998 |
| 5696909 | Virtual POS terminal The present invention includes the hardware and software necessary to perform virtually any volume of complex transactions, and particularly a large volume thereof, is disposed in a central Application Processing Front End (APFE) which is shared by a plur... | 12/09/1997 |
| 5678010 | Automated routing of messages over a network A system for processing credit card transactions is disclosed. Transaction data to be processed is sent by point of sale terminal to a terminal node connected to a sophisticated communications network. The terminal node uses routing data contained in the ... | 10/14/1997 |
| 5671364 | Method and system for commodity-based currency for payment of accounts and elimination of payment risk A system and method for permitting gold or other commodities to circulate as currency requires a network of system users that participate in financial transactions where payment is made in units of gold. The gold is kept in secure storage at a deposit sit... | 09/23/1997 |
| 5550535 | Bank balance notification by wristwatch pager A wrist watch radio pager which includes a microprocessor and which receives different types of messages. Normal messages received by the wrist watch pager are displayed in a conventional fashion. However, one type of message is transmitted together with ... | 08/27/1996 |
