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Class 705/67 - Including authentication


Subclass of Class 705 - Data processing: financial, business practice, management, or cost/price determination
Definition: Subject matter wherein the intelligent token participates
No. of patents: 704
Last issue date: 05/08/2012


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NumberTitleIssue Date
8175979Method and system for anonymous electronic transactions using a mobile device
A method for conducting transactions, includes: encoding concatenated transaction information at a cash point; sending the encoded concatenated transaction information from the cash point to a mobile device; receiving verification information from the mobile device ...
05/08/2012
8160966Token based new digital cash protocols
Digital cash token protocols employ two pairs of private and public keys. Each public key is certified separately and the protocols do not use any blind signature schemes. As a result, the digital cash token protocols provide strong protection of user privacy by usi...
04/17/2012
8135647Consumer authentication system and method
A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dy...
03/13/2012
8135648Authentication of lottery tickets, game machine credit vouchers, and other items
Credit vouchers from a wagering game machine can be authenticated. This may be accomplished by receiving credit information at a server, the credit information including information indicating a player's balance at the wagering game machine. A security key may be cr...
03/13/2012
8126816Method for fingerprinting and identifying internet users
Various aspects of the present system provide methods and systems for authenticating online purchase by tracing internet actions to a remote computer and to an individual who operates the computer. One aspect provides a technique to generate fingerprint of computer ...
02/28/2012
8121956Cardless challenge systems and methods
Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judi...
02/21/2012
8099368Intermediary service and method for processing financial transaction data with mobile device confirmation
A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The intermediary service utilizes a customer's mobile device as an out-of-band ...
01/17/2012
8082213Method and system for personalized online security
Various embodiments of the present invention provide strong authentication of users on behalf of commercial entities and other parties to electronic transactions. In these embodiments of the present invention, a user interacts with an authentication service provider...
12/20/2011
8005722Method and apparatus for ordering goods, services and content over an internetwork
A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered product by its telephone service provider. When a product is ordered over the Internet, a plug-in compone...
08/23/2011
7996326Financial card system, communications device, authentication terminal, authentication method, and program
Disclosed herein is a financial card system. The system includes a communications device on which a non-contact integrated circuit chip is installed; and an authentication terminal having a reader/writer allowing reading/writing information on the communications dev...
08/09/2011
7983993Authenticated payment
A buyer (110) wishes to use a payment instrument as part of an online commerce transaction with a seller (120) and it is desired to authenticate that the buyer (110) has authority to use the payment instrument. A separate authentication service ...
07/19/2011
7983992Client system facilitating an online card present transaction
An online card-present transaction system facilitates card-present type transactions with a merchant over a public network. A host system is configured to accept authentication data from a user via an authentication device. The host system, after authenticating a us...
07/19/2011
7962419Performing automatically authorized programmatic transactions
Techniques are described for facilitating interactions between computing systems, such as by performing transactions between parties that are automatically authorized via a third-party transaction authorization system. In some situations, the transactions are progra...
06/14/2011
7953671Methods and apparatus for conducting electronic transactions
A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use of the intelligent instrument by issuing a challenge to an intelligen...
05/31/2011
7933842Client facilitation of online card present transaction
An online card-present transaction system facilitates card-present type transactions with a merchant over a public network. A host system is configured to accept authentication data from a user via an authentication device. The host system, after authenticating a us...
04/26/2011
7899753Systems and methods for time variable financial authentication
The systems and methods of the invention provide a technique for authenticating a finance related transaction. The method may include providing a token which contains a token counter, the token counter periodically advancing to generate a changing token value, the t...
03/01/2011
7895126Method, communications system and receiver device for the billing of access controlled programmes and /or data from broadcast transmitters
A method, a communications system and a receiving device are for billing of access-controlled programs and/or data which are broadcast by a broadcast transmitter unidirectionally and encrypted, and are received by at least one receiving device. A monetary value is s...
02/22/2011
7885899System and method for secure network purchasing
There is disclosed a method for performing secure electronic transactions on a computer network, the network comprising a buyer's computer, a vendor server, a creditor server and a security server. The buyer's computer has a fingerprint file stored in the memory the...
02/08/2011
7882037Open, neutral electronic distribution system for digital content providing distribution channel support to publishers and retailers and abstract fulfillment for publishers
An online service and system are provided through which digital content publishers can package, protect, market and sell their content through on-line retailers, and through which on-line retailers can both build a unique inventory of digital content with all associ...
02/01/2011
7873579Merchant facilitation of online card present transaction
An online card-present transaction system facilitates card-present type transactions with a merchant over a public network. A host system is configured to accept authentication data from a user via an authentication device. The host system, after authenticating a us...
01/18/2011
7873580Merchant system facilitating an online card present transaction
An online card-present transaction system facilitates card-present type transactions with a merchant over a public network. A host system is configured to accept authentication data from a user via an authentication device. The host system, after authenticating a us...
01/18/2011
7865449Electronic data vault providing biometrically protected electronic signatures
An eVault system securely stores personal data and documents for citizens and allows controlled access by citizens and optionally by service providers. The eVault may be adapted to allow processes involving the documents to be carried out in a secure and paperless f...
01/04/2011
7853535System for secure internet access for children
A system and method for secure internet access by children that assigns each child a Safe Card with integral fingerprint scanner, plus an intelligent USB card reader for biometric-secure internet access. Both the Safe Card and card reader/docking station have device...
12/14/2010
7853534Authentication-authorization system for mobile communication terminal and method therefor
An authentication-authorization system for a mobile communication terminal and a method therefore are provided. When a mobile communication terminal is in a connect state, code data randomly generated by a remote encoding terminal is continuously provided to the ter...
12/14/2010
7840496Electronic payment system through a telecommunication network
An electronic system for payment via a telecommunications network between firstly a vendor having a server suitable for implementing a secure protocol for payment by smart card, and secondly a client having navigation and electronic payment means suitable for making...
11/23/2010
7835994Systems and methods for performing flow-through banking
A flow-through transaction is effectuated with regard to a deposit account at a financial institution by an intermediary between a customer and the financial institution. The customer is received at a site of the intermediary and a type of the flow-through transacti...
11/16/2010
7822688Wireless wallet
A mobile phone system and method of initializing, at a secure transaction server (STS), a mobile payment software with a software authentication parameter, as an authentic mobile payment software; providing an STS correlation between a personal identification entry ...
10/26/2010
7805378System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
A transaction device system is associated with a transaction device proxy account identifier, which may be stored in a database on the transaction device system and may be associated with a transaction account identifier for use in completing a transaction. The prox...
09/28/2010
7801827Methods and apparatus for conducting electronic transactions
A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token, such as a smartcard containing a digital certificate. The intelligent to...
09/21/2010
7801825Systems 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
7801826Framework and system for purchasing of goods and services
A system for conducting an agreement between two parties relying on a trusted a third party includes a first party generating a first view of the agreement and transmitting the first view of the agreement to the third party, a second party independently generating a...
09/21/2010
7797249Copyright detection and protection system and method
A method for detecting against unauthorized transmission of digital works comprises the steps of maintaining a registry of information permitting identification of digital copyrighted works, monitoring a network for transmission of at least one packet-based digital ...
09/14/2010
7792759Methods for performing transactions in a wireless environment
A method of performing a transaction over a contactless interface placing a first device in wireless communication with a second device, selecting the interface over which the first and second device will communicate, selecting the application to be used to approve ...
09/07/2010
7778935System for secure payment and authentication
A system and method for biometric-secure point-of-sale or online transactions and/or authentication and ID verification for restricted access that simplifies the checkout process and eliminates fraudulent transactions. The system employs a credit-card-sized device w...
08/17/2010
7778934Authenticated payment
A buyer (110) wishes to use a payment instrument as part of an online commerce transaction with a seller (120) and it is desired to authenticate that the buyer (110) has authority to use the payment instrument. A separate authentication service ...
08/17/2010
7769696Information storing apparatus
An information storing apparatus for judging who requests personal information and for setting an access level for the personal information for the requester. The information storing apparatus includes: a personal information storing section storing thereon the pers...
08/03/2010
7765163System and method for conducting secure transactions over a network
A system and method for effecting a transaction between a person and a provider of goods or services over a network are provided. The method includes establishing, from a communication device, a communication link over the network with the provider, entering into th...
07/27/2010
7765164System and method for offering in-lane periodical subscriptions
A system and method of offering subscriptions to periodical publications or other products and services at a point of sale using subscription enabling information stored in a database. The present invention imparts a process by which users enrolled in a biometric au...
07/27/2010
7747540Account linking with privacy keys
A computer system includes a security module programmed to generate a first privacy key for use with secure communications with a first web site, and a second privacy key for use with secure communications with a second web site, the first and second keys being diff...
06/29/2010
7747541Validating apparatus for use with a pair of integrated circuits
An apparatus is provided for validating a device. The apparatus includes a first integrated circuit which is configured to generate a random number, reference information using the random number and a secret key. A control system is configured to: receive the random...
06/29/2010
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