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| Number | Title | Issue Date |
| 7817788 | Content distribution system and method A content distribution system is described. The content distribution system includes a show account database and a plurality of credit cards stored in the show account database. The content distribution system also has a linking module associating a viewer entering ... | 10/19/2010 |
| 7359503 | Method of and system for providing services in a communications network A system for providing services in a communications network includes a service processing function, a universal directory function, and a nodal resource manager. The service processing function receives service requests, formulates requests for interworking function... | 04/15/2008 |
| 7353210 | 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 t... | 04/01/2008 |
| 7337956 | System and method for facilitating the purchase of goods and services A system and method for facilitating commercial transactions between a consumer and a supplier of goods at a point of sale and authorized by a credit holder. The credit holder possesses a communications device for prestoring transaction information in a data base. T... | 03/04/2008 |
| 7333953 | Method and apparatus for integrated payments processing and decisioning for internet transactions A method and apparatus provides a decisioning solution for merchants accepting Internet transactions, integrated with means for processing payments electronically. The invention claimed herein provides features, such as, but not limited to, electronic transfer of fu... | 02/19/2008 |
| 7328188 | Dynamic currency conversion for card payment systems The present invention relates to Card Payment Systems for use in a multi-currency environment. In particular, the present invention provides a system and method for identifying an appropriate currency for individual transactions conducted using a card payment system... | 02/05/2008 |
| 7313545 | System and method for detecting fraudulent calls Systems and methods for evaluating transactions to determine if suspicious activities are possibly present. Various methods include providing a reference designator list with information associated with one or more suspicious activities. Using the reference designat... | 12/25/2007 |
| 7305473 | Provision of transparent proxy services to a user of a client device A proxy server for providing transparent proxy services to a user of a client device is provided. The proxy server receives a request from a browser for a unit of digital content, requests the unit of digital content from a remote server, receives the unit of digita... | 12/04/2007 |
| 7295999 | System and method for determining eligibility and enrolling members in various programs A system and method for determining eligibility of persons and enrolling those persons in various programs. For example, one embodiment is particularly suited for enrolling credit card members in payment programs. A program is selected, after which enrollment inform... | 11/13/2007 |
| 7269251 | Method and system for billing subscribers in a telecommunication network The invention relates to a method of changing a balance of a subscriber (MS1 . . . MS6) belonging to a subscriber group (G1, G2) of a telecommunication network. The invention comprises forming at least one subscriber group (G1, G | 09/11/2007 |
| 7267267 | System and method for providing signal compatibility The present disclosure provides methods and systems for transforming characters stored in a fixed format into an alternate format or template with which the fixed format would otherwise be incompatible. In particular, methods and systems are disclosed for reading a ... | 09/11/2007 |
| 7254557 | Financial services payment vehicle and method A financial services payment vehicle is disclosed having a database stored on a computer readable media, the database including records associated with a plurality of active financial services card accounts, one of the financial services card account records having ... | 08/07/2007 |
| 7249110 | Individual authentication method, individual authentication apparatus, accounting method, accounting apparatus The service presentation apparatus includes a member database (310) for storing the information of members registered preliminarily as users, basic authentication means (321) for authenticating official members through an open information communication... | 07/24/2007 |
| 7245223 | Anti terrorist and homeland security public safety warning system An anti-terrorist and crime fighting system, method and apparatus, of isolating terrorists and criminals by providing a predetermined audio-visual stimulus into controlled public or private environments in order to elicit specific human responses, reactions and judg... | 07/17/2007 |
| 7231045 | Secure transaction modem storing unique indicia A modem and secure communications method for the modem is disclosed in which the modem is capable of storing identifying indicia unique to the modem. The identifying indicia may include graphics data such as an image of a credit card, a signature, and/or an account ... | 06/12/2007 |
| 7231035 | Method and apparatus for entertaining callers in a queue One embodiment of the invention provides for receiving a call from a caller, the call being associated with a first merchant; placing the call in a queue; determining a second merchant; and establishing a connection, the connection enabling communication between the... | 06/12/2007 |
| 7229006 | Systems and methods for remote account control Systems and methods for remotely causing a request for authorization to charge a card, that is otherwise active, to be denied. In one embodiment, an access controller receives a call from a card holder and analyzes ANI and DNIS data received during call setup for th... | 06/12/2007 |
| 7225155 | Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange This disclosure describes a payment and disbursement system, wherein an initiator authorizes a payment and disbursement to a collector and the collector processes the payment and disbursement through an accumulator agency. The accumulator agency processes the paymen... | 05/29/2007 |
| 7221930 | Cellular phone capable of detecting counterfeit currency or lighting and method of the same The present invention is to provide a cellular phone capable of detecting counterfeit currency or lighting comprising a counterfeit currency detection bulb, a lamp and a keypad, wherein the keypad includes a first dual key in association with the counterfeit currenc... | 05/22/2007 |
| 7216799 | Terminal providing system A plurality of terminals (40) that are provided to users, and a providing device (20) are placed at a providing place (2). The providing device includes a memory that stores information concerning the plurality of terminals (40). The prov... | 05/15/2007 |
| 7203656 | Computer apparatus and methods supporting different categories of users A central computer system preferably communicates with local computers of users over the Internet and stores account information of users. Preferably, users may interact with information provided by the central computer system or third party computer systems. The av... | 04/10/2007 |
| 7191219 | Self-destructing document and e-mail messaging system A self-destruction document or e-mail massaging system is provided that automatically destroys documents or e-mail messages at a predetermined time by attaching a “virus” to the document or e-mail message. A virus in the form of a Trojan horse is attached to fil... | 03/13/2007 |
| 7184990 | Method and apparatus for selling an aging food product An automated kitchen apparatus determines a time until expiration of a food product. In one embodiment, the kitchen apparatus determines the time until expiration by receiving a start signal indicating that a food product is available to sell. Such a start signal ma... | 02/27/2007 |
| 7181196 | Performing authentication in a communications system A method and apparatus for performing authentication in a communications system is provided. The method includes receiving a request for authentication from a server, the request for authentication including a first and a second random challenge, and comparing the f... | 02/20/2007 |
| 7177849 | Method for validating an electronic payment by a credit/debit card Method for validating an electronic payment by a credit card in a transaction system comprising a seller terminal (12) for registering a sale of one or several articles by a buyer (10 or 11) using a credit card associated with a plurality of PIN... | 02/13/2007 |
| 7162434 | Method and apparatus for facilitating the sale of subscriptions to periodicals A POS terminal receives a signal that indicates an item, for example, via a bar code scanner. The POS terminal ascertains whether the item is associated with an offer for a rebate. If so, a code is generated and output to the customer, such as on a printed receipt. ... | 01/09/2007 |
| 7162015 | Automated information access via the telephone line Disclosed is a method and apparatus for obtaining information from a remote database via a telephone network using an automated interactive system. Such information may include, for example, credit history information, address/telephone number information, and book ... | 01/09/2007 |
| 7158947 | Method for selectively blocking remote purchase requests A method for partially verifying the legitimacy of a remote purchase request based on a card number from a card issuing financial institution. The method includes receiving and storing a first purchase request information set including an origin and a card number. F... | 01/02/2007 |
| 7146156 | Cellular radiotelephone system with remotely programmed mobile stations A cellular radiotelephone system (10) includes mobile stations (28) which may be remotely programmed from a customer activation system (12) to effect activation and other programming needs. Mobile stations (28) are manufactured in a blank... | 12/05/2006 |
| 7146327 | Electronic publication distribution method and system A method and system for distributing an electronic publication allows the distribution of customized publications, including customized advertising, customized content, or both. In accordance with the method for distributing an electronic publication, an electronic ... | 12/05/2006 |
| 7146344 | Method and system for making small payments using a payment card A system for conducting a financial transaction over a payment network is disclosed, which system includes a micropayment system interfaced with the payment network for allowing identification of the transaction as a micropayment transaction and allowing, at the opt... | 12/05/2006 |
| 7124090 | Electronic publication distribution method and system A method and system for distributing an electronic publication allows the distribution of customized publications, including customized advertising, customized content, or both. In accordance with the method for distributing an electronic publication, an electronic ... | 10/17/2006 |
| 7117171 | System and method for making a payment from a financial account A system and method of collecting payments facilitates authorized generation of a payment order. In a preferred embodiment the automated system has a simple input screen which receives the necessary information for generation of the payment order, which may be read ... | 10/03/2006 |
| 7110512 | Method and apparatus for providing prepaid local telephone services A system and method for providing prepaid dialtone services. The system includes a prepaid dialtone service center having an applications server that maintains a prepaid dialtone subscriber database including subscriber identification and service period information.... | 09/19/2006 |
| 7107250 | Apparatus for credential authorisation A mobile communication device, such as a mobile phone, which comprises a processor which is configured to process requests for authorisation of use of a credential, such as a credit card, and the processor causes the device to emit a signal, such as an audible inter... | 09/12/2006 |
| 7104443 | Method and system for facilitating electronic funds transactions A method and system for executing electronic funds transactions using a merchant based debit (MBD) card in a merchant-centric system that provides for reduced fees to acquiring merchants and remitting a portion of the collected fees to issuing merchants. The system ... | 09/12/2006 |
| 7099878 | System and method for managing account addresses A network for managing account addresses (such as for credit card accounts) where correspondence and other communications mailed to account holders may have different purposes (e.g., credit card statement, new credit card, marketing correspondence). The network has ... | 08/29/2006 |
| 7099832 | Method and apparatus for defining routing of customers between merchants A server or Internet service provider computer selects a soliciting merchant and an outputting merchant based on various factors. In one embodiment, the soliciting merchant is selected if its activity rate (e.g. sales rate) is low. The outputting merchant provides o... | 08/29/2006 |
| 7099652 | Originating a billed transaction for an origin telephony device A method, computer program product, and program for originating a billed transaction at an origin telephony device are provided. A request to originate a billed transaction is received from an origin device. The identity of a callee answering a call originated by th... | 08/29/2006 |
| 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 |
