Class / Patent application number | Description | Number of patent applications / Date published |
705077000 | Including remote charge determination or related payment system | 35 |
20080235145 | METHOD, SYSTEM, AND STORAGE MEDIUM FOR PROVIDING WEB-BASED ELECTRONIC RESEARCH AND PRESENTATION FUNCTIONS VIA A DOCUMENT CREATION APPLICATION - An exemplary embodiment of the invention relates to a method, system, and storage medium for providing web-based electronic research and presentation functions via a document creation application. The method comprises scanning an active document on a computer device for identifying relevant keywords, and searching at least one database for reference materials relating to the relevant keywords. The active document includes data currently being entered or edited by a user on the computer device. Results relevant to the active document are automatically shown on the computer screen. The method also includes converting the reference materials if they are in a format different from the format used in creating the active document, and displaying the converted reference materials on the computer device. Embodiments of the invention also include a system and a storage medium. | 09-25-2008 |
20080262974 | System and method for enabling commercial subscribers of a communications carrier to access a network of wireless access points of other subscribers - A system and method for enabling commercial subscribers of a communications carrier to communicate over a network of wireless access points of other subscribers hosted by the communications carrier. A request signal may be received from a wireless device of a user via a wireless access point of a consumer subscriber of the communications carrier to communicate over a communications network A database may be queried to determine whether the user of the wireless device is a commercial subscriber of the communications carrier and has a subscription agreement enabling the commercial subscriber to communicate over the communications network via a network of wireless access points of consumer subscribers. The wireless device may be enabled to access the wireless access point in response to determining that the commercial subscriber has a subscription agreement enabling communication over the communications network via the network of wireless access points of consumer subscribers. | 10-23-2008 |
20080262975 | System and method for enabling subscribers of a communications carrier to access a network of wireless access points of subscribers of other communications carriers - A system and method for enabling subscribers of a first communications carrier to communicate over wireless access points of subscribers hosted by a second communications carrier. In response to receiving a request signal from a wireless device via a wireless access point within a first network of wireless access points, a determination maybe made as to whether the user is a first subscriber of the first communications carrier. In response to determining that the user is not a first subscriber, a determination as to whether the user is a second subscriber having a subscription agreement enabling the second subscriber to communicate over the communications network via the first network of wireless access points. The wireless device may be enabled to access the wireless access point in response to determining that the user is a second subscriber having a subscription agreement. | 10-23-2008 |
20110137804 | SYSTEM AND METHOD FOR APPROVING TRANSACTIONS - In a transaction between a merchant and a payer, approval of the transaction may be provided by a payment processing system using authentication information provided from a mobile device of the payer. The authentication information may include a location of the payer mobile device which may be compared to a location of a merchant payment device such that the transaction is approved if the payer mobile device is within a defined distance of the merchant payment device. | 06-09-2011 |
20110246374 | MOBILE COMMERCE PAYMENT SYSTEM - A mobile commerce system and components thereof are provided in which multiple wireless mobile communications devices (mobile devices) each has a unique electronic identification and processing circuit capable of encrypting data utilizing an encryption key and a first software application providing connectivity to commercial webpage servers for purposes that include the conduct of selected transactions involving a payment for goods or services. Each mobile device is independently enabled to conduct financial transactions in real time by communication with a financial institution. Each mobile device further has a second software application termed mobile payment application adapted to interact with the first application to receive data as to a payment required to conclude a transaction conducted by way of a commercial webpage server. The mobile payment application initiates an instruction to the financial institution to make a payment to a payee designated by way of such data wherein the instruction is encrypted utilizing the unique electronic identification and processing circuit. | 10-06-2011 |
20120173436 | Method and system for authorizing, authenticating, implementing, brokering data transfers, and collecting fees for data transfers among distributed electronic devices and servers - The invention provides a method and system to register, initiate, authenticate, authorize, draw from a price or fee schedule, and enable electronic devices, including “cloud” appliances capable of running computer readable code to perform data transfers and collect transaction fees for data forwarded or relayed to other electronic devices. The method includes generating and sending read-write pairs of activation keys across electronic devices authorizing data transfers from or between the devices, enabling data transfers from or between the devices, most often authorizing payment to at least one of the users associated with the devices for transferred data or for transaction fees associated with the data or both. In this manner, any electronic device capable of processing computer readable code can be used to facilitate data transfer and payment authorizations between a device functioning as a host or brokering server and one or a plurality of other electronic devices that generate, create, host, transmit or accept data. | 07-05-2012 |
20130031009 | AD-HOC CASH DISPENSING NETWORK - An ad-hoc cash-dispensing network that allows users to efficiently exchange cash is provided. The ad-hoc cash-dispensing network includes a cash-dispensing server, a network, and a plurality of client terminals that connect to the cash-dispending server through the network. The user of a client terminal sends a request for cash to the cash-dispensing server. The request for cash includes the location of the client terminal. Based on this location, the cash-dispensing server locates one or more other users that are close/proximate to the requesting user and verifies that at least one of these proximate users is willing and able to provide the requested amount of cash. Following the transfer of cash between the parties, the requesting user's account is charged for the service while the providing user's account is credited for the service. | 01-31-2013 |
20130179353 | SECURE FINANCIAL TRANSACTIONS USING MULTIPLE COMMUNICATION TECHNOLOGIES - During a financial technique, electronic devices may exchange, using a first communication technique, information with each other to establish a secure connection between the electronic devices when they are proximate to each other. After the secure connection is established, the electronic devices may hand off communication with each other from the first communication technique to a second communication technique that supports communication at a higher data rate and over longer distances than the first communication technique. Moreover, the electronic devices may communicate, using the second communication technique and the secure connection, additional information associated with the financial transaction with each other to facilitate completion of the financial transaction. | 07-11-2013 |
20140032418 | UPSTREAM AND DOWNSTREAM DATA CONVERSION - One embodiment of the invention is directed to implementing a broker system to accept confidential information from upstream trading partners, retrieve tokens from the tokenization service, send tokens to the merchant ordering system, and forward confidential information to downstream trading partners. By using a broker system, the merchant ordering system could store and use tokens to identify orders in its system instead of confidential information, which can help protect the confidential information in the event of a security breach. Also, the broker system may provide an amenable solution for the merchant to continue doing business with the upstream and downstream trading partners without causing these entities to substantially change their current processing systems. | 01-30-2014 |
20140143156 | Computer architecture for managing courseware in a shared use operating environment - Methods, devices, and systems are provided in a multi-level computer architecture which provides improved capabilities for managing courseware and other content in a shared use operating environment such as a computer network. In particular, the invention provides a commercial networked instruction content delivery method and system which does not exclude synchronous sharing but is focused on asynchronous sharing. Security means in the architecture provide content property holders with the ability to know how many minutes of use an individual made of licensed material and with increased certainty that their material cannot be used, copied, or sold in usable form unless and until a user site is connected or reconnected to a minute-by-minute counter which is located off the premises of the user. This security link helps protect software and other works which are being sold or licensed to an individual, organization, or entity, and creates income opportunities for owners of such content. | 05-22-2014 |
20150365384 | System and Methods for Transmitting Information Using Inaudible Acoustic Signals - A system and associated methods for transmitting information using inaudible acoustic signals are disclosed. In at least one embodiment, a user application resides in memory on an at least one user device; the user application being configured for generating and processing the inaudible acoustic signals. Similarly, a vendor application resides in memory on an at least one vendor device; the vendor application being configured for generating and processing the inaudible acoustic signals as well. Upon a one of the user device and vendor device needing to transmit information to the other, the information is converted to an inaudible acoustic signal. With the user device and vendor device positioned proximal to one another, the inaudible acoustic signal is produced via a speaker of the one of the devices and received via a microphone of the other of the devices. The inaudible acoustic signal is then converted back to the information. | 12-17-2015 |
20150371228 | METHOD OF GENERATING AND VALIDATING A VOUCHER THAT IS USED TO ENABLE AN END-USER TO OBTAIN GOODS OR SERVICES - A method of generating and validating a voucher to enable an end-user to obtain goods or services, comprising: (a) generating or acquiring contextual data that describes the goods or services and then encrypting that contextual data at a server or other device; (b) generating a time code corresponding to a span of time during which the voucher is valid and including or concatenating that time code with the contextual data; (c) signing the contextual data and time code cryptographically using either a symmetric or asymmetric secret key or keys to generate a signature; (d) providing the contextual data and time code and/or the signature on a voucher; (e) validating the voucher offline at a validating system, without having on-line access by means of comparing the signature in a process using a locally stored key shared with the server or other device that encrypted the contextual data. | 12-24-2015 |
20160012447 | Systems and Methods for Removing Point of Sale Processing From PCI Scope | 01-14-2016 |
20160078437 | PAYMENT TERMINAL SHARING - Methods, systems, and computer program products for payment terminal sharing. A payment terminal is configured to become usable as a payment terminal shared by a plurality of operators with cryptographic segregation between the different operators of the payment terminal. An operator- and terminal-specific transport key is provided to the payment terminal. An operator- and terminal-specific initial-encryption key is derived, by the payment provider, from an operator-specific base-derivation key using the terminal-identification number, or an additional identification number of the payment terminal. The operator- and terminal-specific initial-encryption key is transmitted to the payment terminal, and is decrypted at the payment terminal. An operator- and transaction-specific encryption key is derived, both at the payment provider and the payment terminal, from the operator- and terminal-specific initial-encryption key using a transaction-specific number associated with this transaction, when performing a transaction with the payment terminal. | 03-17-2016 |
20160086175 | PEER-TO-PEER TRANSACTION SYSTEM - Disclosed are implementations that include sending to a P2P system, by a first device associated with a first party, a request to obtain use rights for a property belonging to a second party, the first device further associated with a first network address and with a first digital key pair, and the property associated with a second device associated with a second network address and a second digital key pair. The request is processed with the private key of the first device and includes payment data representative of required number of credits to transfer to the second party, the request further including time data representative of a requested starting time and time duration at which use of the property by the first party is to occur. The method further includes communicating, subsequent to sending of the request, with the second device in order to access, by the first party, the property. | 03-24-2016 |
20190147448 | DATA ANALYSIS SYSTEMS AND METHODS FOR IDENTIFYING RECURRING PAYMENT PROGRAMS | 05-16-2019 |
705078000 | Including third party | 9 |
20080208761 | Secured transactional banner - By providing user interface functionality on a banner served on a webpage hosted by a third party, it is possible to carry out a secure transaction without the user leaving the banner. This is achieved by providing content and transaction middleware which co-operates with a served banner to, in the first instance provide a customised advertising banner and then subsequently to provide user interfaces which allow payment and personal details to be retrieved and to provide confirmation of a purchase. The banner may be served over a mobile device and may also be served overlayed onto moving video on the webpage. This provides a much better user experience and also provides better likelihood of converted sales from banner advertising. | 08-28-2008 |
20080243705 | Third-Party Gift Registry And Payment System - A third-party gift registry system is disclosed. The system provides consumers access to at least one third-party gift registry. The at least one third-party gift registry includes a listing of gifts selected by a registrant at least one merchant. The system receives a gift selection from a consumer for a gift listed in a first third-party gift registry. A payment may then be received from the consumer at an agent location for the gift selection. The system then transfers at least a portion of the payment for the gift selection to the third-party merchant. | 10-02-2008 |
20090063355 | METHOD AND SYSTEM USING RELOADABLE PORTABLE CONSUMER DEVICES - A method is disclosed. The method includes providing tender at an automatic teller machine (ATM), where the automatic teller machine is in operative communication with a payment processing network. The automatic teller machine sends a transaction authorization request message to an issuer of a portable consumer device, and the issuer authorizes or does not authorize the transaction authorization request message. | 03-05-2009 |
20090327145 | Payment System and Method - A card terminal having means for entering transaction value information indicative of a first amount, means for entering data indicative of an additional amount, means for storing the transaction value information and the data indicative of the additional amount, and means for creating a message for electronic transmission, the message including data indicative of the first amount in association with data indicative of a first recipient, and data indicative of the additional amount in association with data indicative of a second recipient. | 12-31-2009 |
20090327146 | MANY-TO-MANY CORRESPONDENCE: METHODS AND SYSTEMS FOR REPLACING INTERBANK FUNDS TRANSFERS - By establishing a correspondence account in each Financial Service Provider (FSP) of a group of FSPs and a secure inter-FSP messaging mechanism, transfers of funds entirely within member FSPs (FSP | 12-31-2009 |
20120254042 | Integrated Mobile/Server Applications - Methods and systems for providing integrated mobile/server applications are provided. An application may be received at a server from a third party. A request for information may be received at the server from a user's device and a token that identifies a user on the user's device, wherein the request and the token were transmitted by the user's device. It may be determined, by the server, that the user is authorized to make a request of the application. A response to the request using the application may be generated using the application. Accounting may be performed by the server so that the user can be billed according to a billing preference of the third party. | 10-04-2012 |
20140032419 | CONFIGURABLE PAYMENT TOKENS - Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves. | 01-30-2014 |
20140365377 | HIGH FRAUD RISK TRANSACTION AUTHORIZATION - A method of authorizing a transaction involves a computer server authenticating a payment cardholder from a cardholder credential, and receiving a request from a communications terminal to initiate an online transaction with the server. The server communicates with a database of clusters, each uniquely associated with a respective cardholder and identifying an authentication card and a partial payment card number. The server requests an authentication credential from the terminal in response to determining that the requested transaction possesses a high risk of fraud. The server receives the requested authentication credential, and uses the cardholder and authentication credentials to locate the authentication card uniquely associated with the cardholder and the authentication credential in the database. The authentication credential has fewer digits than the account number of the located authentication card. The server authorizes the transaction in response to authenticating the cardholder using the account number of the located authentication card. | 12-11-2014 |
20160035047 | Managing Energy Meter Usage Feedback - Methods, systems, and computer program products for managing energy meter usage feedback are provided herein. A method includes detecting information generated by a prepaid energy meter that has been authorized for a given user; processing the detected information to determine an amount of energy consumption associated with the prepaid energy meter; generating a code based on said processing comprising encrypting (i) the determined amount of energy consumption, (ii) an identifier corresponding to the prepaid energy meter, and (iii) authentication information for the given user authorized to to use the prepaid energy meter; outputting the generated code for transmission to an energy provider associated with the prepaid energy meter; decrypting a recharge code for the prepaid energy meter received in response to validation of the generated code by the energy provider associated with the prepaid energy meter; and enabling a remote recharge operation of the prepaid energy meter based on said decrypting. | 02-04-2016 |
705079000 | Including a payment switch or gateway | 10 |
20080208762 | PAYMENTS USING A MOBILE COMMERCE DEVICE - Methods, systems, and machine-readable media are disclosed for handling payment transactions in a mobile commerce system. According to one embodiment, a method of processing a payment transaction in a mobile commerce system can comprise receiving at a first acquirer system a communication from a point-of-sale (POS) device. The communication can be related to the payment transaction and can include information identifying a financial account from which a payment is requested. A second acquirer for authorizing the payment can be identified based on the information identifying the financial account. The communication can be sent to the second acquirer system for authorization of the transaction based on the information related to the financial account. An indication of whether the transaction is authorized can be received from the second acquirer system. | 08-28-2008 |
20090248584 | SYSTEM AND METHOD FOR FACILITATING PAYMENT TO A PARTY NOT HAVING AN ACCOUNT THAT CAN BE USED TO HOLD A MONETARY VALUE EQUIVALENT - A system for facilitating payment to a party not having an account that can be used to hold a monetary value equivalent, including: a payments facilitator; and at least one account established by the payments facilitator operable to hold a monetary value equivalent on trust for its customers. When a payer sends a communication message to the payments facilitator to make a payment to the party, the payments facilitator allocates one of the at least one accounts to the party and links the allocated account with a unique identifier assigned to the party. Payment is thereafter made by the payer to the allocated account. Preferably, the payment is an electronic payment and the account is established with at least one financial institution. | 10-01-2009 |
20100318468 | Tamper-Resistant Secure Methods, Systems and Apparatuses for Credit and Debit Transactions - An electronic payment transaction involves operating a gateway device in an electronic payment system to receive first encrypted transaction data from a merchant device, wherein the first encrypted transaction data is encrypted by means of a merchant device-specific encrypting key. Decrypted transaction data is produced by using a merchant device-specific decrypting key to decrypt the first encrypted transaction data. Second encrypted transaction data is derived from the decrypted transaction data, wherein the second encrypted transaction data is encrypted by means of a gateway device-specific encrypting key. The gateway device communicates the second encrypted transaction data to another electronic payment system server. A key transmission block received from the merchant device includes information that enables the gateway device to derive the merchant device-specific decryption key. | 12-16-2010 |
20110078083 | ELECTRONIC DRAFT CAPTURE - A method for processing financial transactions includes transmitting an authorization request to a payment processing gateway server. The authorization request includes a supplemental header having a contract identification field that stores an identification of a contract between a merchant and a payment provider. A transaction response transmission is received from the payment processing gateway server in response to the authorization request. The transaction response transmission includes a transaction response header and a response data component. The transaction response header includes identification of a particular transaction to which the transaction response transmission is applicable. The response data component includes an indication that the contract is invalid. The indication that the contract is invalid is responded to by facilitating a rejection of the financial transaction. | 03-31-2011 |
20110208659 | METHOD AND APPARATUS FOR MAKING SECURE TRANSACTIONS USING AN INTERNET ACCESSIBLE DEVICE AND APPLICATION - A method for making financial transactions uses a proprietary server and network in communication with a merchant's point of sale (POS) terminal and a customer's smart phone. The smart phone runs an application that generates or downloads from the server a two dimensional barcode containing encrypted information. The barcode display is scanned at the POS, and transaction information is returned to the proprietary server for processing as an ACH or a conventional transaction. | 08-25-2011 |
20110289006 | METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES, AND CONTENT OVER AN INTERNETWORK USING A VIRTUAL PAYMENT ACCOUNT - A secure, closed virtual payment system comprising registered buyers and sellers for ordering and paying for goods, services, and content over an internetwork is disclosed. A buyer becomes registered by applying for a virtual payment account. A seller becomes registered by applying for a seller account. A credit processing component ( | 11-24-2011 |
20120072354 | END-TO-END SECURE PAYMENT PROCESSES - Systems and method for performing secure electronic payment transactions to allow merchants to perform payment processing such that the merchant payment system is not required to store data specific to a particular payment device. | 03-22-2012 |
20140351147 | Payment Processing and Customer Engagement Platform Methods, Apparatuses and Media - A customer engagement device (CED) may receive a payment token associated with a transaction from a point of sale (POS) system. The CED may retrieve transaction details associated with the transaction from a gateway. The CED may prompt a customer to provide payment information for the transaction and may collect payment information from the customer. The CED may provide the payment information and may obtain a transaction authorization from the gateway. The CED may inform the POS system regarding the transaction authorization. | 11-27-2014 |
20160140566 | SECURE TRANSMISSION OF PAYMENT CREDENTIALS - An online electronic wallet system and method provide secure storage and transmission of payment instrument information for use in completing online purchases initiated from a client device. A payment instrument's verification code is stored in an encrypted form in local storage on a client device and retrieved and re-encrypted along with other payment instrument information stored on the system using a merchant-specific key. An API library is used to integrate the online electronic wallet system with a registered merchant's purchase flow, including the ability to ensure receipt of an electronic receipt prior to communicating payment instrument information to a merchant server. | 05-19-2016 |
20160379181 | SYSTEM AND METHOD FOR PAYMENT PLATFORM SELF-CERTIFICATION FOR PROCESSING FINANCIAL TRANSACTIONS WITH PAYMENT NETWORKS - Payment platforms such as point of sale terminals can send test transactions to an acquirer processor certification and analytics system for certification of the payment platform's readiness to perform financial transaction processing with payment networks. A payment platform sends a test transaction to an acquirer processor and receives a unique request identifier. The request identifier and a test identifier associated with the test transaction are sent to an analytics engine that retrieves data associated with the test transaction from the acquirer processor, and expected values based on the test identifier. The analytics engine performs a comparison and determines a certification result for the payment platform based on the comparison. Based on certification results, authorization or licenses can be granted to payment platforms to use payment networks of the acquirer processor. | 12-29-2016 |