Abstract: A management center registers user information that includes user identification information for identifying a user terminal and improvement-information identification information for identifying improvement information recorded in an optical disk and processed by the user terminal. When a user terminal requests improvement information through a network, the management center searches for another user terminal that can provide necessary information, according to user information, and obtains the improvement information from the another user terminal searched for, through the network. The management center then provides the obtained improvement information for the user terminal that requested it, through the network.

Abstract: Recording information used in determining a licensing fee related payment is disclosed. An application is provided without a component associated with the application, where the component is associated with a licensing fee. Information associated with obtaining the component for use with the application is received. At least some of the received information is recorded, where the recorded information is used in determining licensing fee related payment to be paid for the component.

Abstract: A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction.

Abstract: A system and method for the payment of petty cash disbursements is disclosed wherein a tree structure of linked purchasing cards is constructed according to a real-life organizational structure of persons able to authorized the expenditures of the petty cash. A central computer facility is used to maintain the structure and to facilitate the modification of the expenditure limits for the purchasing cards and the movement of cash between a master account and the accounts of each of the purchasing cards to cover purchased made thereby.

Abstract: The present invention refers to the use of a meter completely integrated on a single piece, totally covered and without contact with the exterior that incorporates a prepayment system and a more efficient method to control the electric energy supply and obtains excellent information from the meter by means of contactless intelligent cards.

Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

Abstract: The present invention provides an apparatus and method for receiving and assessing an application made by an applicant. In one aspect, the apparatus includes: computing means configured or programmed to present a plurality of application forms to the applicant, to receive the forms once completed from the applicant and to assess the application; input means for the applicant to complete and return the forms to the computing means; and communication means for communicating or sending the assessment of the application to the applicant; wherein the computing means is configured or programmed to construct second and subsequent forms of the plurality of forms progressively on the basis of information provided by the applicant by means of the input means in the completed and received forms, to assess the application, and to communicate the assessment by means of the communication means.

Abstract: A method to protect the financial rights of tiered media content providers including the original media content owner and media enhancers who add enhancements as additional media information or additional media content to be presented in conjunction with the media content when chosen by user.

Abstract: A title management apparatus resident on a first computer including a memory for storing a control program and data, and a processor for executing the control program and for managing the data. The apparatus includes a title object resident in the memory including a title structure, the title structure further comprising a content element, a set of attributes, and a set of title object security indicia. The apparatus further includes an authorization structure configured to selectively redeem the content element based at least in part on the user security indicia, and further configured to use a set of protocols. The apparatus also includes a title management structure configured to associate a user with the title object based at least in part on the user data and the title attributes.

Abstract: 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 second view of the agreement and transmitting the second view of the agreement to the third party, a wireless network connecting the first party and the second party, and a wired or wireless network connecting the second party to the third party. The trusted third party, receives the first view of the agreement and the second view of the agreement, verifies conditions including that the identities of the parties that transmitted the agreements and that the independent views of the agreement are consistent with each other, and takes action to execute the agreement if the conditions are satisfied.

Abstract: A method and apparatus for obtaining access to services of service providers. In one embodiment, the method comprises requesting a desired service through a foreign service provider, generating a hash tree and generating a digital signature on a root value of the hash tree, sending the digital signature and the root value to the foreign service provider, providing one or more tokens to the foreign service provider with the next packet if the foreign service provider accepts the signature and continuing to use the service while the foreign service provider accepts tokens.

Abstract: 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 (130) determines whether the buyer (110) has access to certain secret information without revealing the secret information to the seller (120). Access to the secret information would verify that the buyer (110) has authority to use the payment instrument. The authentication service (130) informs the seller (120) whether the buyer (110) is authorized to use the payment instrument.

Abstract: A method for validating an electronic payment by a credit/debit card in a transaction system. The method includes registering a purchase of an article by a buyer using a credit/debit card associated with at least one PIN code, checking that the at least one PIN code is associated with the number of said credit/debit card provided by said buyer to said seller terminal, checking, by said electronic payment center, whether or not said at least one PIN code is valid, and one of: after the at least one PIN code is found to be valid, checking, by said electronic payment center, whether the electronic payment center has received a pre-validation from a third party; after the at least one PIN code is found to be valid, contacting a third party via a communication network and requesting that the third party validate the purchase; and after the at least one PIN code is found to be valid, contacting a third party via a communication network and requesting said at least one PIN code from the third party.

Abstract: Systems and methods for controlling the use and duplication of digital content distributed on removable media are described. In accordance with embodiments of the present invention digital content is protected by allowing a particular number of protected (e.g., encrypted) copies of the digital content to be made. Typically, these copies may only be used on and moved between authorized devices. In one embodiment, if copies are desired, the maximum number of allowable copies of the protected digital content are made and stored on a computer's hard drive when the storage medium (e.g., a CD) containing the content is inserted into the computer. Each copy can then be moved but not copied to other devices (e.g., portable solid state devices). In an alternative embodiment, the storage medium containing the digital content is writable (e.g., a CD-R).

Abstract: A method and system is disclosed for dynamic licensing of software products in a distributed system. A job is generated by a master (or client) and the tasks in the job are distributed to a cluster of workers for the distributed execution of the job. The tasks are distributed with information on the software products for which the master is licensed. The workers receive the tasks with the information on the software products for which the master is licensed. The workers dynamically provide licenses for the software products which the master is licensed for. The workers execute the tasks using the dynamically provided licenses for the software products. The results from the execution of the tasks are returned to the client.

Abstract: The invention provides improved security for stored-value instruments. For example, a point-of-sale device may receive a request to process a transaction (such as an activation, redemption, funds recharge, etc.) with a presentation instrument. The point-of-sale device may receive a first identifier associated with the instrument. Merely by way of example, the first identifier may be encoded on a magnetic stripe disposed on the instrument, and receiving the first identifier may comprise swiping the magnetic stripe through a reader in communication with the point-of-sale device. The point-of-sale device may also receive a second identifier associated with the instrument. In some embodiments, the first and second identifiers may be correlated, e.g., to determine whether they are consistent.

Abstract: A memory card 110 extracts a session key Ks from the data applied onto a data bus BS3 by carrying out a decryption process. An encryption processing unit 1406 encrypts a public encryption key KPcard(1) of memory card 110 based on session key Ks, and applies the encrypted key to a server via data bus BS3. A memory 1412 receives from a server data such as license key Kc, license ID data License-ID and user ID data User-ID encrypted with a public encryption key KPcard(1) differing for each memory card for storage, and receives encrypted content data [Dc]Kc encrypted with license key Kc from data bus BS3 for storage.

Abstract: The present invention provides timecard processing in a procurement management system. A service provider creates and submits an on-line timecard, the timecard is approved by an approver, and the billing information is forwarded to a payment processing function. An embodiment comprises the steps of: providing a user interface for entry, modification and approval of timecard data; reading a timecard projects table to add data to the timecard data; comparing the received timecard data to the timecard projects table to determine if the received timecard data is valid: reading a contractor profile table to add data to the timecard data; reading timecard business rules; applying the timecard business rules, reading an approval matrix; notifying at least one approver to the existence of the received timecard data; computing billing amounts; accepting changes to the timecard data; receiving approval for payment of the billing amounts; and transmitting payment data.

Abstract: Usage rights for a digital work are established prior to creation of the corresponding content. The rights can be associated with the content after the content is created. A content creation, such as a video recorder or a still camera, device can store labels of the rights and can associate usage rights with content in real time as the content is created.

Abstract: A system and method for automatically determining if a remote client is a human or a computer. A set of HIP design guidelines which are important to ensure the security and usability of a HIP system are described. Furthermore, one embodiment of this new HIP system and method is based on human face and facial feature detection. Because human face is the most familiar object to all human users the embodiment of the invention employing a face is possibly the most universal HIP system so far.