Patents Assigned to Orbis Patents Ltd.
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Patent number: 10592901Abstract: Controlled Payment Numbers (CPNs) which issue as a unique payment number for each transaction uniquely identify the transaction for matching the purchase and payment information. The issuance of the CPN is controlled by business rules which are designed to and effectively restrict the use of the CPN, such that if a user exceeds his authorization, a CPN is not issued. The business rules are set up according to a hierarchy of users. Further, a declining balance CPN is also provided.Type: GrantFiled: June 4, 2002Date of Patent: March 17, 2020Assignee: ORBIS PATENTS, LTD.Inventors: Daniel Ian Flitcroft, Graham O'Donnell, Conor Langford, James Carroll
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Publication number: 20140258019Abstract: A method for processing a personalized gift card transaction includes: receiving a gift card request from a consumer associated with a payment account, the request including a usage amount, a plurality of merchant identifiers, an account identifier associated with the payment account, and a message; identifying a personalized gift card number; storing a gift card data entry including the personalized gift card number, usage amount, plurality of merchant identifiers, account identifier, and message; transmitting the personalized gift card number; receiving an authorization request for a financial transaction not involving the consumer, the request including the personalized gift card number, a transaction amount, and at least one merchant identifier of the plurality of merchant identifiers; processing the financial transaction including updating, in the database, the usage amount of the gift card data entry based on the transaction amount; and transmitting the message to a recipient of the personalized gift caType: ApplicationFiled: March 8, 2013Publication date: September 11, 2014Applicant: Orbis Patents, Ltd.Inventors: Oran CUMMINS, Stephen DOYLE
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Publication number: 20140236831Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.Type: ApplicationFiled: April 29, 2014Publication date: August 21, 2014Applicant: ORBIS PATENTS LTD.Inventors: Daniel Ian FLITCROFT, Graham O'Donnell
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Publication number: 20140201079Abstract: A transaction processing system for the real time authorization of payment transactions. The system comprises a verification system (4) connected to an issuer card management system (3). A cardholder can access the system via an interface (2) which can be for example the Internet, a wireless device, telephone, or a branch visit. The interface allows the cardholder to input rules governing how their credit card transactions are to be authorized. When the cardholder initiates a purchase transaction with their credit card, an authorization request is passed from the card network to the verification system which executes the rules created by the cardholder in order to approve or deny the transaction.Type: ApplicationFiled: November 14, 2013Publication date: July 17, 2014Applicant: Orbis Patents Ltd.Inventors: Stephen KAVANAGH, Conor CLARKE, Kleron GUILFOYLE, Patrick BROSNAN
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Publication number: 20140122340Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.Type: ApplicationFiled: January 8, 2014Publication date: May 1, 2014Applicant: ORBIS PATENTS LTD.Inventors: Daniel Ian FLITCROFT, Garry LYONS
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Patent number: 8676707Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.Type: GrantFiled: July 30, 2008Date of Patent: March 18, 2014Assignee: Orbis Patents Ltd.Inventors: Daniel Ian Flitcroft, Garry Lyons
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Patent number: 8639623Abstract: A transaction processing system for the real time authorization of payment transactions, The system comprises a verification system (4) connected to an issuer card management system (3). A cardholder can access the system via an interface (2) which can be for example the Internet, a wireless device, telephone, or a branch visit. The interface allows the cardholder to input rules governing how their credit card transactions are to be authorized. When the cardholder initiates a purchase transaction with their credit card, an authorization request is passed from the card network to the verification system which executes the rules created by the cardholder in order to approve or deny the transaction.Type: GrantFiled: June 25, 2012Date of Patent: January 28, 2014Assignee: Orbis Patents Ltd.Inventors: Stephen Kavanagh, Conor Clarke, Kleron Guilfoyle, Patrick Brosnan
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Publication number: 20130204781Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.Type: ApplicationFiled: March 14, 2013Publication date: August 8, 2013Applicant: ORBIS PATENTS LTD.Inventor: ORBIS PATENTS LTD.
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Patent number: 7593896Abstract: A credit card system is provided which has the added feature of providing additional limited-use credit card numbers and/or cards. These numbers and/or cards can be used for a single transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques.Type: GrantFiled: October 19, 2000Date of Patent: September 22, 2009Assignee: Orbis Patents Ltd.Inventors: Daniel I. Flitcroft, Graham O'Donnell
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Patent number: 7567934Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.Type: GrantFiled: June 4, 2002Date of Patent: July 28, 2009Assignee: Orbis Patents Ltd.Inventors: Daniel I. Flitcroft, Graham O'Donnell
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Publication number: 20090134217Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.Type: ApplicationFiled: January 26, 2009Publication date: May 28, 2009Applicant: ORBIS PATENTS LTD.Inventors: Daniel I. Flitcroft, Graham O'Donnell
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Publication number: 20090070260Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.Type: ApplicationFiled: November 10, 2008Publication date: March 12, 2009Applicant: ORBIS PATENTS LTD.Inventors: Daniel I. FLITCROFT, Graham O'Donnell
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Patent number: 7136835Abstract: A credit card system is provided which has the added feature of providing additional limited-use credit card numbers and/or cards. These numbers and/or cards can be used for a single transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques.Type: GrantFiled: September 18, 2000Date of Patent: November 14, 2006Assignee: Orbis Patents Ltd.Inventors: Daniel I. Flitcroft, Graham O'Donnell
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Publication number: 20030028481Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.Type: ApplicationFiled: June 4, 2002Publication date: February 6, 2003Applicant: Orbis Patents, Ltd.Inventors: Daniel I. Flitcroft, Graham O'Donnell
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Publication number: 20030018567Abstract: Controlled Payment Numbers (CPNs) which issue as a unique payment number for each transaction uniquely identify the transaction for matching the purchase and payment information. The issuance of the CPN is controlled by business rules which are designed to and effectively restrict the use of the CPN, such that if a user exceed his authorization, a CPN is not issued. The business rules are set-up according to a heirarchy of users. Further, a declining balance CPN is also provided.Type: ApplicationFiled: June 4, 2002Publication date: January 23, 2003Applicant: Orbis Patents Ltd.Inventors: Daniel Ian Flitcroft, Graham O'Donnell, Conor Langford, James Carroll