Patent application number | Description | Published |
20090132706 | Interpersonal Communication Enhancer - A system for enhancing interpersonal communication is disclosed. The system includes one or more personal computer devices capable of broadcasting and receiving select messages based on overlapping user interests. The device shares identity credentials with other devices to ensure credibility of the information being broadcast and maintains user interests in a portable secure database on the device. | 05-21-2009 |
20090138390 | Financial Transaction Message Exchange System - A system for conducting financial transactions which includes a message exchange service is disclosed. The message exchange can occur via a payment terminal and can be 1) payment device-to-payment device, 2) payment device-to-merchant, 3) merchant-to-payment device(s), 4) merchant-to-merchant, 5) anyone to/from financial institutions. The invention can enhance the paying experience, provide merchant feedback, as well as promote branding. | 05-28-2009 |
20090150235 | System and Method for Processing Financial Transactions - A system for processing financial transactions based on consumer preferences is disclosed. The system allows a user to specify on a payment device a consumer preference which is communicable to a payment terminal and is determinative in pricing goods and services. | 06-11-2009 |
20090150272 | Graphical Representation of Financial Transactions - A statement generator allows financial institutions to present transaction information as a graphical representation to an account holder in, for example, a statement of purchases. The statement generator obtains transaction information associated with an account holder and maps the transaction information to correlate the transaction information with at least one parameter. The transaction information can include at least one of a purchase amount, a purchase location, a purchase time, or a purchase category. The at least one parameter includes at least one of a purchase location, a purchase time, a purchase amount, or a purchase category. The statement generator depicts the mapping to the account holder to identify a correlation between transactions. The depiction can be a print out of the mapping or the mapping can be rendered on a display. | 06-11-2009 |
20090164373 | System and Method of Preventing Password Theft - A method and system for securely accessing an account using a security device that includes: (1) receiving a request via a payment device for access to an account having account information, wherein the request includes an account number; (2) generating randomly a numeric value; (3) displaying the numeric value; (4) prompting data entry of a combined PIN via the payment device, wherein the combined PIN is a combination of the numeric value and the PIN; (5) uncombining the numeric value from the entered combined PIN to provide an uncombined PIN; (6) comparing the uncombined PIN to the PIN; and (7) permitting access to the account information based on the comparison. | 06-25-2009 |
20090166435 | SECURE PAYMENT CARD - In a first aspect of the subject invention, a secure payment card is provided, including: a flat body, the flat body having a patterned channel in proximity to a first face of the flat body; an elongated magnetic stripe disposed on the first face of the flat body, the magnetic stripe extending along a longitudinal axis, wherein at least a portion of the channel being located under the longitudinal axis; and a magnetic fluid disposed in the channel, the magnetic fluid configured to define a readable magnetic pattern. | 07-02-2009 |
20090168997 | Method to detect man-in-the-middle (MITM) or relay attacks - A method for detecting a communication relay attack involves the steps of counting a number of clock cycles occurring in a clock signal between transmission of two predetermined elements of data with a data transmission device, counting a number of clock cycles occurring in the clock signal between receipt of the two predefined elements of data and comparing the number of clock cycles counted by the data transmission device with the number of clock cycles counted by the data receiving device. | 07-02-2009 |
20090171830 | Payment Transaction System - A system for allocating a resource used in payment transactions is disclosed. The system includes an allocation module that allows a user of a payment device to specify a class of good or service and an allowable resource amount that can be charged to a user account for the selected class of good or service and a control module that authorizes a charge to the user account based on the selected class of good or service and the allowable resource amount. | 07-02-2009 |
20090171841 | METHOD AND SYSTEM FOR TRANSFERRING FUNDS BETWEEN ACCOUNT HOLDERS - The preferred embodiments are directed to facilitating a transfer of funds between account holders. The preferred embodiments can receive account information from a transaction devices associated with a first account and a second account and can receive a specified amount of funds to be transferred to the second account. The preferred embodiments can transfer the specified amount of funds from the first account to the second account in response to receiving the account information from the transaction devices of associated with the first and second accounts and the specified amount of funds. | 07-02-2009 |
20090171842 | Techniques For Conducting Financial Transactions Using Mobile Communication Devices - The present invention advantageously combines communications aspects of mobile devices with financial transaction system capabilities in a novel manner. This advantageous combination enables a user to automatically initiate a financial transaction with a merchant upon the user being located in a particular geographic vicinity. Numerous types of transactions can be enabled using the present invention. | 07-02-2009 |
20090172678 | Method And System For Controlling The Functionality Of A Transaction Device - A method and system of controlling the functionality of a transaction device, the method includes providing a computing device for accessing an account corresponding to the transaction device. The computing device generates a list of a plurality of transaction functions associated with the transaction device. The method includes providing an option to disable and enable one or more of the transaction functions in response to a user input. In response to the user input disabling one of the transaction functions, an instruction is generated preventing the transaction device from being used for the disabled transaction function. | 07-02-2009 |
20140006287 | MOBILE COMMUNICATION DEVICE FOR CONDUCTING FINANCIAL TRANSACTIONS | 01-02-2014 |