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| Number | Title | Issue Date |
| 8090663 | Automated banking machine system and method An automated banking machine (12, 200, 302) is provided. The machine may be operative to install a terminal master key (TK) therein in response to at least one input from a single operator. The machine may include an EPP (204) that is operative to remo... | 01/03/2012 |
| 7797250 | Method for electronically endorsing check images A method of electronically endorsing a check includes obtaining an electronic image of the check and composing an endorsement data element for the check that includes at least first information identifying a party endorsing the check. The method further includes cre... | 09/14/2010 |
| 7434225 | Context information associated with message flows in a messaging system Method, parser, messaging system, computer program and computer program product for handling context information associated with a message flow in a messaging system, the message flow having processing nodes for processing the message. A request is received at the p... | 10/07/2008 |
| 7412420 | Systems and methods for enrolling a token in an online authentication program An online transaction system configured to implement authentication methods that allow for strong multi-factor authentication in online environments. The authentication methods can be combined with strong security methods to further ensure that the authentication pr... | 08/12/2008 |
| 7386727 | Method for digital signing of a message A method and apparatus for the digital signing of a message to be signed, the message to be signed is transmitted via a communication network to a mobile radio telephone to be used as a signing unit. A message to be signed is transmitted from a transmitter to a rece... | 06/10/2008 |
| 7383232 | Systems, methods and computer program products facilitating automated confirmations and third-party verifications Systems and methods are defined for facilitating the audit process involving a financial institution, a client of the financial institution, and an accountant. A service provider receives the client's account information from the financial institution upon approval ... | 06/03/2008 |
| 7376838 | Method for controlled and audited access to privileged accounts on computer systems A method that provides access to Privileged Accounts to users with Privileged Account access permission. A message is sent to a Privileged Accounts manager when a user logs into a Privileged Account. The user must enter a reason for access. All keystrokes are logged... | 05/20/2008 |
| 7343349 | System and method for secure data and funds transfer Embodiments of the present invention offer systems and methods for the transfer of persistently secure electronic representations of funds and/or descriptive data through the use of digital rights management (DRM) containers transmitted as e-mail attachments. Furthe... | 03/11/2008 |
| 7299979 | Systems and methods for interfacing location-base devices Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that f... | 11/27/2007 |
| 7287005 | Method for supplementing descriptors for online banking transaction statements Personalized transaction identification information is provided by a user to supplement the generic transaction banking information received from the user's electronic banking service. The personalized transaction identification information is maintained by the user... | 10/23/2007 |
| 7283154 | Systems and methods for videoconference and/or data collaboration initiation Systems and methods to accept information regarding audio communication sessions (e.g., telephone calls) and, in response, initiate a videoconference and/or data collaboration session via for example data collaboration terminals associated with the audio terminals u... | 10/16/2007 |
| 7251326 | Method and apparatus for data encryption A method and apparatus for use in encrypting and decrypting digital communications converting an initial block to final block based on freely selectable control information and secret key information having double the length of prior art keys and maintaining compati... | 07/31/2007 |
| 7249093 | Method of and system for making purchases over a computer network A method of and system for making purchases over a computer network using an ATM card or the like is provided. In accordance with the invention, a consumer transmits his ATM card number over the network to an on-line merchant. The on-line merchant then forwards the ... | 07/24/2007 |
| 7240031 | Bill payment system and method with a master merchant database A method and system for paying bills. A service provider receives, via a network, a request to pay a bill on behalf of a consumer. The consumer can request that any merchant be paid. The service provider searches a master database containing names of merchants to de... | 07/03/2007 |
| 7222098 | Method and system for online payments using sensor with identifier Methods and systems are disclosed which relate to online payments via interface surfaces printed with information and coded data. The coded data, encoded visibly or invisibly, may be queried by an appropriate sensing device. The sensing device communicates with a co... | 05/22/2007 |
| 7215751 | System and method for processing caller information across heterogeneous networks A system and method for processing caller information across heterogeneous networks is provided. An enterprise application receives a message from a name resolution adapter over a computer network. The message includes caller attributes and port location information... | 05/08/2007 |
| 7203666 | Virtual postage metering system A virtual postage metering system and method provides value added services corresponding to postage metering transactions. Funds are not stored at a user's site, reducing the risk of unauthorized modification of accounting balances. There is a database record of eve... | 04/10/2007 |
| 7185805 | Wireless check authorization A wireless check authorization system and method that determines in real time, upon receipt of check information from a check writer, whether the check writer's checking account is open, whether the check writer has written more than a specified number of checks in ... | 03/06/2007 |
| 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 |
| 7162435 | Transaction managing apparatus and method and recording medium storing transaction managing program therein A transaction managing apparatus for a POS terminal has: a transaction defining unit for defining a plurality of kinds of unsettled transaction types by combining a plurality of predetermined categories; and a management control unit for designating one of the plura... | 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 |
| 7152067 | Secure multi database system including a plurality of database devices A definition tool of the present invention declares columns which are concealed in external tables to a multi-database server. The multi-database server controls a decomposition and an execution of query messages such that the multi-database server does not perform ... | 12/19/2006 |
| 7143063 | Method and apparatus for a verifiable on line rejection of an applicant for credit A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the appl... | 11/28/2006 |
| 7142653 | System and method for providing caller information across heterogeneous networks A system and method for providing caller information across heterogeneous networks is provided. A Name Resolution Adapter (NRA) receives a message from a destination central office which includes a caller's telephone number and a call recipient's telephone number. T... | 11/28/2006 |
| 7139731 | Multi-level fraud check with dynamic feedback for internet business transaction processor An Internet business transaction processor of the present invention has a distributed processing architecture which allows the processing load to be distributed among multiple parallel servers. The transaction processor of the present invention provides a virtual st... | 11/21/2006 |
| 7120609 | System for secure transactions A multimedia network (1) with connected customer stations (2), merchant servers (3), and a payment server (5). Secure electronic transactions are performed using a secure electronic transactions protocol (SET), including exchange of digit... | 10/10/2006 |
| 7120607 | Business system and method using a distorted biometrics A method of doing business is disclosed that transforms a biometric used by a user in a transaction. The transformation creates a distorted biometric. The distorted biometric is used to identify the user to another party without requiring the user to provide actual ... | 10/10/2006 |
| 7120606 | System and method for secure electronic fund transfers A system and method for allowing simplified electronic transfer of funds in files subject to sender-defined access constraints. In one aspect of the system and method, a digital currency file is transmitted as an attachment to an electronic message. The sender of th... | 10/10/2006 |
| 7117363 | System and method using information-based indicia for securing and authenticating transactions A method, system, and apparatus for authenticating transactions and records is disclosed. A nonce stamp is a physical article that is relatively difficult to copy illicitly, and that bears a “nonce” number. The “nonce” is a relatively unique identifier, in t... | 10/03/2006 |
| 7080051 | Internet download systems and methods providing software to internet computer users for local execution A customer computer connects to an online service provider by phone, Internet, or other telecommunications link. The link gives the customer access to additional processing and storage resources such as virtual storage, processing power and/or additional software or... | 07/18/2006 |
| 7058594 | Distributed network system which transmits information to users based on past transactions of the users A geographic-based communications service system has a mobile unit for transmitting/receiving information, and access points connected to a network. The access points are arranged in a known geographic locations and transmit and receive information from the mobile u... | 06/06/2006 |
| 7039809 | Asymmetric encrypted pin Secure protection and distribution of a personal identification number (PIN) is achieved by using a first encryption process only for PIN data and a second encryption process for non-PIN data. The first encryption process uses asymmetric encryption, where a public k... | 05/02/2006 |
| 7024429 | Data replication based upon a non-destructive data model In a data-replication system, multi-way synchronization of copies of the data at different devices is achieved by employing a non-destructive data model. In this model, each replicated data object is represented by a revision graph, and every operation that is perfo... | 04/04/2006 |
| 7021530 | System and method for managing and processing stored-value cards and bill payment therefrom A system and method for managing and processing stored-value debit, check card, signature debit, PIN based card or automatic teller machine (ATM) cards and bill payment from a variety of access points. Enrollment occurs between a card issuer and a card holder result... | 04/04/2006 |
| 6973571 | System, apparatus, and method for performing cryptographic validity services Embodiments of the present invention described and shown in the specification and drawings facilitate electronic authentication services for banking and other industries. Authentication services, often using Public Key Infrastructure (PKI) technology, are used to co... | 12/06/2005 |
| 6957199 | Method, system and service for conducting authenticated business transactions The invention pertains to a method, online service, and system, for creating partnerships based on trust relationships over a public network, authenticating trade partners, infrastructure providers and collaborators to each other, and providing users with an environ... | 10/18/2005 |
| 6915951 | Electronic cashless system An electronic cashless system uses a cashless medium for memorizing amount information and for performing an operation of amount information. The electronic cashless system comprises an automatic transaction terminal device having a reading/writing unit for writing ... | 07/12/2005 |
| 6873973 | Cash dispensing automated banking machine and method An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with fore... | 03/29/2005 |
| 6853987 | Centralized authorization and fraud-prevention system for network-based transactions A system and method for authorizing certain aspects of network based transactions between a customer and a merchant is disclosed. The system utilizes an account code for identifying rights to use an account identified by an account number, and a database for storing... | 02/08/2005 |
| 6850996 | System and method for enabling transactions between a web server and an automated teller machine over the internet An automated teller machine (ATM) implements financial transactions over the Internet. The ATM includes a computer and at least one non-standard I/O device coupled to the computer. The computer of the ATM interprets extended open network protocol statements to contr... | 02/01/2005 |
