Having Security Or User Identification Provision (password Entry, Etc.) Patents (Class 705/18)
  • Patent number: 8818874
    Abstract: A system and method to authenticate products. The method includes storing identity data corresponding to products to be sold into a database, accessing the database at a point-of-sale of a product, and determining the authenticity of the product at the point-of-sale by comparing the product's identity data with the identity data stored in the database.
    Type: Grant
    Filed: December 7, 2009
    Date of Patent: August 26, 2014
    Assignee: Trusted.com, LLC
    Inventor: Bekim Veseli
  • Publication number: 20140236842
    Abstract: A method of making a payment in which payment data is received by a user's terminal from a point-of-sale terminal, a secret of a payment application is received by the terminal from the operator's server system, a trust card is activated in the user's terminal by utilizing said secret of the payment application, and data of the trust card is transmitted from the user's terminal to the point-of-sale terminal for making the payment transaction. A trust card is created in the server system, data of the trust card is transmitted to the terminal to be used for making the payment transaction, the secret of the payment application is formed in the server system, and access to the secret of the payment application is provided to the terminal for activating the trust card for making the payment transaction.
    Type: Application
    Filed: September 28, 2012
    Publication date: August 21, 2014
    Applicant: OnSun Oy
    Inventors: Simo Salminen, Tuomo Kajava
  • Patent number: 8812367
    Abstract: Methods and systems for adjusting a security level of a transaction system based on biometric characteristics of a customer are disclosed. According to an aspect, a method includes interacting with a customer at a transaction terminal. The method also includes determining a biometric characteristic of the customer based on the interaction with the customer. Further, the method may include adjusting a security level of a transaction system based on the biometric characteristic.
    Type: Grant
    Filed: March 29, 2011
    Date of Patent: August 19, 2014
    Assignee: Toshiba Global Commerce Solutions Holdings Corporation
    Inventors: Bilal Aziz, Dean F. Herring, Brad M. Johnson, Jeffrey J. Smith
  • Patent number: 8812357
    Abstract: A self-service tanning system and method allows salon owners to offer tanning customization in order to meet the personal needs of various customers and to meet the various FDA regulations associated with each state. The present invention allows salon owners to customize each tanning customer session to prevent over exposure for new patrons, while allowing patrons who are already tanning to tan at a more progressive rate. In addition to tanning customization, the present invention offers built-in safety features, payment options, and networkability.
    Type: Grant
    Filed: April 29, 2009
    Date of Patent: August 19, 2014
    Inventor: Tracy Hughes
  • Patent number: 8805725
    Abstract: Systems and methods for providing payment vehicle recommendations are provided herein. In the systems and methods, a transaction associated with one of a transaction amount and purchase items is identified based on the transaction data; one or more payment rules associated with the transaction are identified; the terms of the one or more payment rules are compared with the transaction amount or purchase items; the most favorable payment vehicle for the transaction is determined based on the comparison of the terms of the one or more payment rules and the transaction amount or purchase items; and a recommendation of at least one payment vehicle is provided based on the determination of the most favorable payment vehicle on a display of a mobile device of a user.
    Type: Grant
    Filed: June 18, 2012
    Date of Patent: August 12, 2014
    Assignee: Bank of America Corporation
    Inventor: Matthew A. Calman
  • Publication number: 20140222596
    Abstract: In view of the foregoing, an embodiment herein discloses a system and method for facilitating cardless financial transaction in which the face of the user can itself be used as the credit card for financial transaction at the point of sale (POS) or online financial transaction. The method includes capturing a user's face using a 3-D facial recognition system, converting the facial image into digital data and converting the digital data is converted into the numeric template for that user's face and stored in the separate block within the server's database. One aspect discloses a method in which the multiple bank accounts can be managed as single accounts and at the time of cardless financial transaction user may choose which bank account to use which is differentiated by the three digit alphanumeric code assigned for each bank account.
    Type: Application
    Filed: March 8, 2013
    Publication date: August 7, 2014
    Inventor: NITHIN VIDYA PRAKASH S
  • Patent number: 8799088
    Abstract: A system and method for verifying a user's identity during a point-of-sale transaction are provided. The system and method provide for applying for, receiving and verifying a financial services provider card; providing a plurality of requested biometric identification data to a financial services provider; uploading the plurality of biometric identification data of a user requested by the financial services provider via a network connected computing device to a preselected website; storing the plurality of biometric identification data in a remote server coupled to the preselected website; and using the plurality of requested biometric identification data to execute a point-of-sale transaction, wherein a merchant can verify the financial services card with the biometric identification data provided by the remote server or provided by the user via a point-of-sale terminal.
    Type: Grant
    Filed: August 11, 2010
    Date of Patent: August 5, 2014
    Inventor: Leigh M. Rothschild
  • Patent number: 8799171
    Abstract: A secure online banking transaction apparatus to communicate with a server over a non-secure connection is provided and includes a selector configured to allow for a selection of a mode of the apparatus, a processing unit coupled to the selector and including a secure communication unit, which is configured to set up a secure connection, along which a secure transaction occurs, with the server via the non-secure connection in accordance with the mode, an input unit coupled to the processing unit and configured to allow for a input of data into the apparatus, which is at least partly related to the secure transaction, and an interface coupled to the processing unit and configured to convey at least a status of the secure transaction and the contents off the inputted data.
    Type: Grant
    Filed: April 1, 2008
    Date of Patent: August 5, 2014
    Assignee: International Business Machines Corporation
    Inventors: Michael Baentsch, Peter Buhler, Thomas Eirich, Frank Hoering, Thorsten Kramp, Thomas Weigold
  • Publication number: 20140214568
    Abstract: Systems and methods are disclosed herein for estimating the risk of criminal activity in a retail setting. Using video data, biometric data for an individual may be obtained. A baseline biometric measurement is taken upon enqueuing of an individual, which may include entry of the individual into the field of view of a camera having a point of sale (POS) in its field of view. A biometric measurement is also taken when the individual is adjacent the POS. According to an analysis of these measurements, an estimate of risk is calculated, such as by comparing the baseline measurement to a POS measurement. Based on this risk assessment, an alert may be generated. The alert may be a graphical indicator displayed on the POS or transmitted to a device operated by a store representative. The risk assessment may also be used to select transactions for auditing in a self-checkout system.
    Type: Application
    Filed: January 29, 2013
    Publication date: July 31, 2014
    Applicant: Wal-Mart Stores, Inc.
    Inventors: Stuart Argue, Anthony Emile Marcar
  • Publication number: 20140207590
    Abstract: A system and method for conducting commerce and sales operations is disclosed. A sales representative identifies a customer, chooses a product, and completes a sales transaction using a front-end POS software application. The sales data is transferred to a central storage server, where a master database is created with the data from the front-end POS software application. The central storage server transmits and receives data from back-end corporate servers and databases and creates a master database containing data from corporate applications. The front-end POS software devices uses a holster that includes a docking station, sliding cradle for a mobile device, a card reader, and an infrared scanner to identify products and complete payment.
    Type: Application
    Filed: March 24, 2014
    Publication date: July 24, 2014
    Inventors: Patrick BOUAZIZ, Laurent MICHEL-ETIENNE
  • Publication number: 20140201013
    Abstract: The present disclosure provides a compact portable point of sale (POS) device. The POS device is capable of being folded for easy transportation of the POS device by a user. The POS device includes a box unit having a cash register with a plurality of compartments, some of which are adapted to store currency notes and coins. Further, the POS device includes a pivotable tray hinged to the box unit for covering the cash register. The tray is adapted to receive a keyboard thereon. Furthermore, the POS device includes a tablet type computing device capable of being detachably attached to the box unit. The tablet has a display screen and is connected to the keyboard. After use of the POS device, the user is capable of folding the pivotable tray and the tablet for making the POS device portable in nature.
    Type: Application
    Filed: January 14, 2014
    Publication date: July 17, 2014
    Inventor: Russel Don DSOUZA
  • Patent number: 8781973
    Abstract: In a method of processing customer applications at an event, an application is received from a customer on a customer interface computer. The data in said application is verified on the customer interface computer and encrypted. The encrypted data is transmitted wirelessly to a portal computer via a private wireless network, and then transmitted to a processing computer system for approval of the application.
    Type: Grant
    Filed: September 24, 2004
    Date of Patent: July 15, 2014
    Assignee: Bank of America Corporation
    Inventors: Bellverie E. Ross, II, Dean F. Eastburn, Daniel C. Devoll, Kelly C. Laird, David T. Gulian, Theresa C. Hendrickson
  • Publication number: 20140188640
    Abstract: A mobile device includes a housing and an antenna mounted in or on the housing for exchanging transaction signals with a point-of-sale (POS) terminal. The mobile device also includes a user interface element, a transceiver coupled to the antenna, and a secure element including processing circuitry and a secure tick counter. The secure element stores a payment application operable to conduct a pre-sign procedure selected by a user before interfacing with a point-of-sale (POS) terminal. The processing circuitry verifies the user, obtains a first tick value, sets the mobile device into a transaction-enabled state, obtains, when the transceiver is interfaced with a POS terminal, a current tick value from the secure tick counter, calculates a difference value between the current tick value and the first tick value, and enforces a risk management decision.
    Type: Application
    Filed: March 7, 2014
    Publication date: July 3, 2014
    Applicant: MasterCard International Incorporated
    Inventors: Simon Phillips, Jonathan Main, Ronald D. Carter, David A. Roberts
  • Patent number: 8768776
    Abstract: A system for facilitating a financial transaction between a prospective transactor and a transactee has an identity and account verifying facility for verifying the identity of the prospective transactor and an account that the prospective transactor has with a financial institution, the identity and account verifying facility being operated by an independent verifier. The identity and account verifying facility includes a storage means for storing an identifier of the prospective transactor and details of at least one account held by the transactor at the financial institution. An identifier input means is provided whereby the transactor enters his identifier when he subscribes to the service.
    Type: Grant
    Filed: November 15, 2007
    Date of Patent: July 1, 2014
    Assignee: Net 1 UEPS Technologies, Inc.
    Inventor: Serge Christian Pierre Belamant
  • Patent number: 8768775
    Abstract: Systems, methods and articles for automating the process of registering a product purchased by a consumer from a merchant in a purchase transaction. Product data including product identification data is obtained from a merchant electronic point of sale system as the consumer checks out. The product data is then automatically transmitted to a product registration system, such as via a consumer's mobile communication device having a product registration app. An auto-registration database is accessed to see if auto-registration is available for the product. If auto-registration is available for the product, then a request is made to the consumer to authorize auto-registration for the product. If the consumer accepts the auto-registration, then consumer data, such as the consumer name and contact information, is sent to the product registration system. The product registration system then creates a product registration record using the product data and the consumer data.
    Type: Grant
    Filed: October 28, 2011
    Date of Patent: July 1, 2014
    Assignee: Intuit Inc.
    Inventors: Colin John Roper, Christian Gregory Dalit
  • Publication number: 20140172596
    Abstract: The invention relates to an assembly for handling transactions between a merchant and a consumer, comprising: —a cash register for generating and sending invoice data representative of the one or more products and/or one or more services relating to a transaction; —at least one payment terminal for generating and sending an electronic transaction order; —a payment system for electronic transfer of the transaction amount from the bank account of the consumer to the bank account of the merchant; —a transaction order processor for electronic clearing and settlement of the transaction amount associated with the transaction order, —a payment management system adapted to receive the invoice data and the electronic transaction order and to store at least a part thereof on a storage medium, wherein the payment management system is further adapted to control a transaction order processor in order to perform the transaction on the payment system.
    Type: Application
    Filed: April 16, 2012
    Publication date: June 19, 2014
    Applicant: SEPASoft B.V.
    Inventor: Eugene Raymond Ten Cate
  • Publication number: 20140172599
    Abstract: Systems and methods are disclosed herein for characterizing the effectiveness of an advertisement displayed at a point of sale (POS). A transaction reported by a POS may identify a consumer and a transaction time as well of details such as a product purchased. The transaction time may be compared to an advertising schedule to identify an advertisement displayed adjacent the POS at the time of purchase. Transactions subsequent to identified advertisements may be analyzed to identify any increase in purchasing activity for an advertised product. Increases in purchasing activity and impressions identified in this manner for the general population or demographic groups may be aggregated to characterize an advertisement's effectiveness. Video data or transaction frequency data may be used to estimate an in-queue time for a customer in order to identify advertisement impressions.
    Type: Application
    Filed: December 18, 2012
    Publication date: June 19, 2014
    Applicant: Wal-Mart Stores, Inc.
    Inventors: Stuart Argue, Anthony Emile Marcar
  • Patent number: 8751315
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Grant
    Filed: December 5, 2012
    Date of Patent: June 10, 2014
    Inventor: Michelle Fisher
  • Patent number: 8751313
    Abstract: The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.
    Type: Grant
    Filed: November 19, 2012
    Date of Patent: June 10, 2014
    Inventor: Michelle Fisher
  • Patent number: 8744974
    Abstract: Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilizing a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority.
    Type: Grant
    Filed: March 12, 2012
    Date of Patent: June 3, 2014
    Assignee: Mocapay, Inc.
    Inventor: William O. White
  • Publication number: 20140136351
    Abstract: The present disclosure is directed to consumer operated kiosks for purchasing items online and associated systems and methods. In one embodiment, for example, a method of making purchases online can include receiving funds (e.g., bills and/or coins) from a user at a consumer operated kiosk, and receiving online order information at the consumer operated kiosk. The online order information can be associated with a user account stored on a remote database and can include a cost of an online order from a third party merchant. The method can further include initiating transfer of at least a portion of the received funds to the third party merchant to pay for the online order.
    Type: Application
    Filed: March 8, 2013
    Publication date: May 15, 2014
    Applicant: COINSTAR, INC.
    Inventor: Kevin Lennon
  • Patent number: 8725577
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Grant
    Filed: August 29, 2013
    Date of Patent: May 13, 2014
    Inventor: Michelle Fisher
  • Patent number: 8725578
    Abstract: A system that authorizes a financial transaction is presented. During operation, the system receives a request to authorize accounts associated with one or more financial instruments to be used to fulfill the financial transaction. Next, the system determines a transaction location at which the financial transaction is being performed. The system then determines whether the accounts are authorized to be used at the transaction location. If so, the system authorizes the accounts to be used to fulfill the financial transaction.
    Type: Grant
    Filed: January 30, 2008
    Date of Patent: May 13, 2014
    Assignee: Intuit Inc.
    Inventors: Benjamin R. Weiss, Jim Del Favero, Todd M. Fitch
  • Patent number: 8725579
    Abstract: A method including sending a device ID and financial information associated with a user of a device to a transaction device in response to receiving a transaction request from the transaction device, configuring an image capture device to capture an image of the user and send the image of the user to the transaction device, and configuring the transaction device to authenticate the financial information with the image of the user.
    Type: Grant
    Filed: April 30, 2010
    Date of Patent: May 13, 2014
    Assignee: QUALCOMM Incorporated
    Inventor: Irwan Halim
  • Patent number: 8725575
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Grant
    Filed: January 7, 2013
    Date of Patent: May 13, 2014
    Inventor: Michelle Fisher
  • Patent number: 8725576
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Grant
    Filed: January 7, 2013
    Date of Patent: May 13, 2014
    Inventor: Michelle Fisher
  • Publication number: 20140122268
    Abstract: A method is disclosed identifying a customer during a point-of-sale transaction. Within the method, a computer system may associate or link a first character string to a computing device possessed by a customer. Subsequently, the computer system may initiate a point-of-sale transaction with the customer at a point-of-sale system. In the transaction, the computer system may receive payment data from the customer and first location data from the computing device. From the payment data, the computer system may obtain a second character string. Accordingly, the computer system may identify a match between the first character string and the second character string and between the first location data and second location data corresponding to the point-of-sale system. Thus, the computer system may determine that the computing device is a proper recipient of an electronic receipt documenting the transaction and send the electronic receipt to the computing device.
    Type: Application
    Filed: October 31, 2012
    Publication date: May 1, 2014
    Applicant: Wal-Mart Stores, Inc.
    Inventors: Stuart Argue, Anthony Emile Marcar
  • Publication number: 20140108173
    Abstract: A system and method for performing authentication are disclosed. The system may include a shared central processing server, a plurality of software components each residing in a corresponding point-of-sale (POS) workstation and an identity provider service. The server may reside at a merchant location and communicate with multiple POS workstations at the merchant location. The server may be configured to receive biometric information from each POS workstation. Each software component may communicate with a biometric sensor in communication with the corresponding POS workstation to receive biometric information. The identity provider service may be configured to communicate with the server, store registered biometric information and compare biometric information received from the server with one or more of the stored registered biometric information.
    Type: Application
    Filed: November 7, 2013
    Publication date: April 17, 2014
    Applicant: Open Invention Network, LLC
    Inventors: Brian Cooper, Ron Hilmes
  • Patent number: 8700523
    Abstract: Systems, methods and computer program products for enabling a holder of a transaction account linked to a financial transaction instrument to delegate management of the transaction account to an assistant. Information relating to the transaction account, including at least identification information relating to the holder of the transaction account, is stored in a database. The database stores financial transaction data relating to financial transactions performed using the financial transaction instrument. A designation of at least one assistant to manage the transaction account on behalf of the holder is accepted and stored. Assistant management authentication data associated with the transaction account is established, to be used by the assistant to execute management instructions at a designated level of management access. An instruction from the assistant is accepted to access transaction data associated with the transaction account.
    Type: Grant
    Filed: October 11, 2005
    Date of Patent: April 15, 2014
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Brent M. Edwards, Marc C. Rosenfeld, Robert J. Sondermeyer, Jane H. C. Thompson, Andre R. Wright
  • Publication number: 20140100974
    Abstract: An automated method for enabling a customer to make a payment for goods or services using one of several possible payment choices selectable by the customer by entering the customer's mobile telephone number and a personal identification number (PIN) at a point of payment terminal and then selecting one of several possible previously entered credit card numbers or payment mechanisms. Once the payment option is selected, the point of sale terminal conducts the transaction with the selected payment option.
    Type: Application
    Filed: October 4, 2012
    Publication date: April 10, 2014
    Applicant: ELECTRONIC TRANSACTION SYSTEMS CORPORATION
    Inventor: Edward Vaughan
  • Patent number: 8694792
    Abstract: A biometric authorization method, system, and program product Biometric data associated with a subject can be detected and acquired. Thereafter, particular biometric features can be segmented and extracted from the biometric data. These particular biometric features are then compared to biometric data previously stored in a database in order to determine if the particular biometric features match the biometric data previously stored in the database and thereby rapidly and automatically determine if the subject comprises a repeat visitor.
    Type: Grant
    Filed: February 16, 2007
    Date of Patent: April 8, 2014
    Assignee: Honeywell International Inc.
    Inventor: Rand P. Whillock
  • Patent number: 8695071
    Abstract: A system and method whereby the identity of a person, entity, device or the like attempting to gain access to a secured resource may be securely authenticated includes a means for receiving from a service client (such as a retail store, service station, on-line service provider or merchandiser, healthcare provider, medical insurer, information consumer or the like) a request for access to a secured resource, where the request for access was previously submitted to the service client by a requester purporting to be an authorized user of said secured resource; means for generating and communicating to the purported authorized user a challenge string adapted to provide a basis for authenticating the identity of the requester; a means for receiving from the service client a response string corresponding to the challenge string; and a means for evaluating the response string to authenticate the identity of the requester.
    Type: Grant
    Filed: October 23, 2011
    Date of Patent: April 8, 2014
    Inventor: Gopal Nandakumar
  • Patent number: 8694380
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Grant
    Filed: January 7, 2013
    Date of Patent: April 8, 2014
    Assignee: Michelle Fisher
    Inventor: Michelle Fisher
  • Patent number: 8688526
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Grant
    Filed: December 7, 2012
    Date of Patent: April 1, 2014
    Inventor: Michelle Fisher
  • Patent number: 8671453
    Abstract: A social networking system obtains parental authorization from a parent for a child to access a computing resource, where the parent and the child are users of the social networking system. The child user may request the authorization by identifying a purported parent user. The social networking system attempts to verify the validity of the purported parent user's account, the age of the user associated with the purported parent's account, and/or the existence of a parent-child relationship between users of the accounts associated with the purported parent and the child. The social networking system makes these determinations, at least in part, using social and transactional information associated with the purported parent user's account and the child user's account in the social networking system. Upon verification of these items, the social networking system may allow the purported parent to provide authorization responsive to the child's request to access the computing resource.
    Type: Grant
    Filed: August 17, 2010
    Date of Patent: March 11, 2014
    Assignee: Facebook, Inc.
    Inventors: Edward Moore Underwood, Joseph E. Sullivan, Ryan McGeehan
  • Patent number: 8671454
    Abstract: A point of sale system including at least one proxy server having an internet connection, a web browser operative to download web pages from the internet via the proxy server, and a real time user input limiting trusted computing base module communicating with the web browser and being operative to limit user input to the web pages in real time.
    Type: Grant
    Filed: November 4, 2010
    Date of Patent: March 11, 2014
    Assignee: Verifone, Inc.
    Inventors: David Bruce Ezell, Chris Anthony Madden, Aidan Totterdell
  • Publication number: 20140067566
    Abstract: Systems and methods for processing payments using a dynamic security code are provided. An account authorization system may generate a plurality of dynamic security codes and transmit the plurality of dynamic security codes to a portable consumer device. The portable consumer device may generate a payment code comprising a transaction account number and a dynamic security code. A merchant may scan the payment code and transmit a transaction request to the account authorization system. The account authorization system may compare the transaction account number and dynamic security code in the transaction request to a transaction account number and dynamic security code stored in a database. The account authorization system may transmit an authorization message to the merchant.
    Type: Application
    Filed: September 6, 2012
    Publication date: March 6, 2014
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Marcel Leyva, Francisco Mogollon
  • Patent number: 8667576
    Abstract: A computer system is provided comprising a non-volatile storage medium and a processor. The processor acquires authentication information from a first removable storage device, stores the authentication information into the non-volatile storage medium, and forbids data access of the computer system when detecting that a second removable storage device has been inserted and identification data of the second removable storage device is different from the authentication information.
    Type: Grant
    Filed: May 27, 2008
    Date of Patent: March 4, 2014
    Assignee: Silicon Motion, Inc.
    Inventors: Yi-Shen Lin, Chang-Hao Chiang
  • Patent number: 8666860
    Abstract: In one embodiment, one use of the disclosed method/system is for any multinational entity or individual performing currency exchanges is for business or personal use. This embodiment will greatly enhance the Transparency of the Cash Conversion Process at the ACTUAL POINT OF CONVERSION (POC), revealing dealt and offset pricings and TIME thereof thus providing the customer with a complete report of conversion as with any commodity conversion. With the POC method, the client will have a substantially complete accounting of the value of the funds conversion from one region's currency to another.
    Type: Grant
    Filed: July 5, 2011
    Date of Patent: March 4, 2014
    Assignee: International Monetary Specialists
    Inventors: John Golding, Joshua Trent
  • Publication number: 20140058862
    Abstract: Some embodiments provide a payment system that involves mobile applications, merchant Points-of-Sale (POS's), and a back-end. The back-end registers a mobile application for use by a user and a user PIN to complete a transaction via the mobile application. The back-end also registers identifiers to uniquely identify the merchant POS's. The user performs a check-in to a merchant POS by submitting the unique encoded identifier of the merchant POS to the back-end using the mobile application. The merchant can then invoice the user by selecting the corresponding check-in of that user and uploading an invoice for that check-in to the back-end. The back-end provides the invoice to the user via the mobile application. The user enters his/her PIN in the mobile application to approve payment for the transaction and the back-end completes the transfer of funds from a user account to a merchant account.
    Type: Application
    Filed: October 19, 2012
    Publication date: February 27, 2014
    Inventor: Nerijus Celkonas
  • Publication number: 20140058861
    Abstract: The present invention extends to methods, systems, and computer program products for delivering customer specified receipt types at checkout. A customer specifies receipt delivery preferences at a mobile device (e.g., specifying delivery of a digital receipt and/or a paper receipt at checkout). The mobile device sends the customer's receipt delivery preferences to a receipt preferences database server for storage in a receipt preferences database. During a sales transaction, a point-of-sale (“POS”) system refers to the receipt preferences database (or a relevant portion thereof) to access the customer's receipt delivery preferences. Based on the customer's receipt delivery preferences, the point-of-sale (“POS”) system delivers appropriate types of receipts (e.g. digital and/or paper) to the customer.
    Type: Application
    Filed: August 27, 2012
    Publication date: February 27, 2014
    Applicant: Wal-Mart Stores, Inc.
    Inventors: Stuart Argue, Anthony Emile Marcar
  • Patent number: 8660956
    Abstract: A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to capture and securely transmit check images (including, but not limited to, personal checks, business checks, travelers checks, money orders, merchant coupons, food coupons, line of credit checks, etc.), deposit information, and other information from remote locations (i.e., locations that could include the financial institution's remote locations, other financial institution's locations, businesses, private residences, etc.), for the purpose of having those checks credited to the depositing individual's or organization's bank account(s) and having the check images (and/or physical checks) entered into the bank check clearing channels for ultimate delivery to the maker bank for payment out of the maker's account.
    Type: Grant
    Filed: October 6, 2011
    Date of Patent: February 25, 2014
    Assignee: Netdeposit, LLC
    Inventors: Danne L. Buchanan, William Ronald Titus
  • Publication number: 20140052552
    Abstract: Access to a cash drawer is controlled by way of a basic input-output system (BIOS) of an associated computer. The BIOS can provide for local user access to the cash drawer by way of password, designated keystroke, or other procedure. A local or remote user can reconfigure cash drawer access procedures, establish time clock-based scheduling, or affect other control parameters by way of graphical user interface (GUI) stored in the BIOS. Cash drawer security, management options and user convenience are improved accordingly.
    Type: Application
    Filed: August 16, 2012
    Publication date: February 20, 2014
    Inventors: Binh T. TRUONG, Larry W. Kunkel, Nam Nguyen
  • Publication number: 20140052553
    Abstract: The current invention provides a mobile payment method and a number of variations that enable a consumer to pay for a purchase from a merchant. Preferably the consumer may use a mobile device such as a smart phone to complete the transaction. With the current invention, the merchant may be capable of conducting the transaction using only an ordinary point of sale (OPOS) terminal, allowing the merchant and consumer to conduct business in a more convenient manner. The variations of the core method also significantly facilitate possible payment from the consumer to the merchant, enhancing the efficiency of the transactions.
    Type: Application
    Filed: April 17, 2013
    Publication date: February 20, 2014
    Inventor: Chijioke Chukwuemeka Uzo
  • Patent number: 8655310
    Abstract: A method of preventing identity theft is provided. The method comprises reading confidential information from a mobile terminal that is not in communication with the public wireless communication network and determining if the mobile terminal has been reported lost. When the mobile terminal is determined to have been reported lost, the release of the confidential information by the mobile terminal is disabled.
    Type: Grant
    Filed: April 8, 2008
    Date of Patent: February 18, 2014
    Assignee: Sprint Communications Company L.P.
    Inventors: Robin D. Katzer, Sei Y. Ng, M. Jeffrey Stone, Kevin Zhu
  • Publication number: 20140046785
    Abstract: Disclosed is a system for substantially enhancing the security and protection of a credit/debit card typically carried by consumers. The system includes administrative mainframe computers at a payment processing center capable of cooperating with a microprocessor embedded credit card, an associated cellular telephone number, a scanner with fingerprint reading means, and inputs by the cardholder. The credit/debit card used in the system comprises embedded electronic data and a means for retaining an electronic image of the thumbprint of the authorized cardholder. When presented for a purchase, and scanned at the point of sale, the scanning equipment will initiate a prompt to automatically dial the cell phone number previously registered by the card holder with the system administrator. Upon recognizing the incoming message, the cardholder enters a pre-arranged PIN into his/her cell phone, thereby uploading all security parameters for verification by the electronic equipment at the point of sale.
    Type: Application
    Filed: August 13, 2012
    Publication date: February 13, 2014
    Inventor: Vandester Jenkins
  • Publication number: 20140046786
    Abstract: Disclosed herein are payment systems and methods for accepting and reconciling consumer credit or debit account transactions between merchants and consumers. The described systems and methods include merchant-employee POS application software that can be downloaded onto portable communication devices such that portable POS terminals can be easily deployed into a mobile sales network. Further disclosed are security techniques that can be employed within this system analytics systems and methods for gleaning useful data from the aggregation of multiple merchant employee POS terminal sales data.
    Type: Application
    Filed: September 14, 2012
    Publication date: February 13, 2014
    Applicant: BANCTEC LIMITED
    Inventors: Hooman MAZAHERI, Christopher Alan CHADWICK, Mohd Azham Azhari WASI
  • Publication number: 20140046782
    Abstract: An indicator associated with a financial card to tender payment for a transaction is received from a point of sale device. A storage device stores independent sets of information associated with the financial card. The sets of information indicate different actions to be performed and settings corresponding to the actions. The indicator received from the point of sale device is associated with one of the independent sets of information. The actions associated with the received indicator are performed in accordance with the corresponding settings in response to conducting a transaction with the financial card.
    Type: Application
    Filed: August 8, 2012
    Publication date: February 13, 2014
    Applicant: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Jonathan F. Brunn, Robert W. Campion
  • Patent number: 8645214
    Abstract: An electronic system and process for facilitating a financial transaction comprising a drop safe and a point-of-sale (POS) terminal, disposed at a retailer location, in communication with one another in which the POS terminal receives, from a user, a request to commence a drop request and, in response, instructs the drop safe to commence a drop request, whereupon after acceptance of the drop request the drop safe accepts, via a currency acceptor, currency that is identified and authenticated, and upon completion of the drop, the drop safe ascertains the total amount of accepted currency and transmits the ascertained amount to the POS terminal which then completes the transaction. The drop request may occur during a transaction with a customer for the purchase of goods or services or at other times. Other features are disclosed.
    Type: Grant
    Filed: August 28, 2012
    Date of Patent: February 4, 2014
    Assignee: Brink's Network, Inc.
    Inventors: Gil Geraldo Hipolito, Samuel de Alvarenga, Emerson Dourado
  • Publication number: 20140032346
    Abstract: The present invention provides a method and system for controlling a mobile data terminal, comprising: receiving an instruction execution request from the mobile POS terminal; in response to receiving the instruction execution request, determining whether the instruction execution request contains current location information associated with the mobile POS terminal; if not, executing a real-time location acquisition procedure to proactively obtain the current location information associated with the mobile POS terminal; if yes, executing a real-time location verification procedure to confirm the current location information contained in the instruction execution request; and determining whether the mobile POS terminal is located in a pre-determined region according to the current location information that has been verified or proactively obtained.
    Type: Application
    Filed: August 28, 2013
    Publication date: January 30, 2014
    Applicant: Tencent Technology (Shenzhen) Company Limited
    Inventors: Taoli Hong, Peiku Li, Anfeng Tan