Home Banking Patents (Class 705/70)
  • Patent number: 10164932
    Abstract: A communication system may include a server, and first and second communications devices. The server may be configured to maintain a database having first and second communication profiles respectively associated with first and second users, and maintain first and second value accounts respectively associated with the first and second communication profiles. The server may be configured to process the message from the first user, debit the transaction value from the first value account, convert the message to be from the masked email address of the first user and send the converted message to the actual email address of the second user, and when receiving an acceptance message from the second user in reply to the converted message, then facilitate a communication between the first and second users, and transfer the debited transaction value to the second value account of the second user.
    Type: Grant
    Filed: January 28, 2016
    Date of Patent: December 25, 2018
    Assignee: LOTURAS INCORPORATED
    Inventors: Peter Paulo Azcue Attolini, Rodrigo Enrique Galavis Rovati
  • Patent number: 9864993
    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.
    Type: Grant
    Filed: April 6, 2009
    Date of Patent: January 9, 2018
    Assignee: Visa International Service Association
    Inventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray, James Donald Reno, Liane Redford, Philippe Levy, Trudy Hill
  • Patent number: 9773234
    Abstract: A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.
    Type: Grant
    Filed: March 31, 2015
    Date of Patent: September 26, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Aruj Ahluwalia, Vernon Marshall, Satish Thenthiruperai Narayanan, Andrew Roth, Xiongwen Rui, Thomas K. Serge
  • Patent number: 9721243
    Abstract: A transaction system for coordinating processing of a transaction payment request associated with a transaction between a consumer and a merchant, comprising: a computer processor programmed for: receiving the transaction payment request including consumer code data and identification information, the consumer code data representative of a subaccount registered with a transaction interface; accessing the subaccount to obtain payment information related to the transaction payment request; creating a payment confirmation request using said identification information; sending said payment confirmation request over the network to a mobile device; obtaining authorization information from the mobile device; sending a funds transfer request to a payment platform based on the authorization information matching the required authorization information; receiving approval of the funds transfer request from the payment platform; and sending a confirmation of the approval of the funds transfer request to a computer device
    Type: Grant
    Filed: April 12, 2013
    Date of Patent: August 1, 2017
    Assignee: Riavera Corp.
    Inventor: Mark Itwaru
  • Patent number: 9715690
    Abstract: A computer-based method includes receiving, at a computer-based authorization system, a request to authorize payment to a first party at an electronic payment device from an account with funds that have been paid by a second party. The request includes an encrypted indication of an account number that corresponds to the account and a cash card number entered by the first party at the electronic payment device. The method further includes deriving an unencrypted version of the account number from the encrypted indication; comparing the unencrypted version of the account number to one or more identification codes in an electronic database, where one of the identification codes corresponds to the account; and authorizing payment from the account at the payment device based, at least in part, on whether the comparing yields a match between the unencrypted version of the account number and the identification code that corresponds to the account.
    Type: Grant
    Filed: August 25, 2011
    Date of Patent: July 25, 2017
    Assignee: AMERICAN CASH EXCHANGE, INC.
    Inventors: Donald C. Licciardello, Rush Taggart, John D. Licciardello, Debra Lynn Licciardello
  • Patent number: 9400699
    Abstract: A method is proposed for exchanging a data set between a transmitting module, associated with a first domain, and a destination module associated with a second domain. The transmitting module and the destination module are adapted to be loaded into a browser module having access to a local database for recording data and accessing the data recorded by one or more modules belonging to a single browsing domain and to any module loaded in the browser module that is also associated with said single browsing domain. The method comprises the following steps: storage, by a storage module associated with a third domain, of the data set in the local database; requesting a receiving module, associated with the third browsing domain, to read the data set; reading, by the receiving module, of the data set in the local database.
    Type: Grant
    Filed: July 21, 2011
    Date of Patent: July 26, 2016
    Assignee: Orange
    Inventors: Jérôme Giraud, Julien Van Den Bossche
  • Patent number: 8966065
    Abstract: Methods for controlling online session inactivity timeouts between a user terminal and a server involves the server polling the user's local terminal to determine whether the user presence at the terminal can be confirmed if there is a period of inactivity within the session. If so, or if the server can otherwise confirm that the terminal is secured from use by other users, then the user session is maintained. Otherwise, the user session is allowed to timeout due to inactivity. The server may issue an alert to the user whenever a timeout is imminent, and may restore any information entered by the user prior to the timeout, if the user later returns and validates his identification.
    Type: Grant
    Filed: October 4, 2012
    Date of Patent: February 24, 2015
    Assignee: III Holdings 1, LLC
    Inventor: Michael Barrett
  • Patent number: 8954352
    Abstract: A method and apparatus for storing financial data utilizing a communications network is described. In one embodiment, provisioning access is provided to a plurality of unrelated financial entities. The financial data received from the plurality of unrelated financial entities are stored in a secure data store, e.g., a secure network based mailbox.
    Type: Grant
    Filed: October 28, 2005
    Date of Patent: February 10, 2015
    Assignee: AT&T Intellectual Property II, L.P.
    Inventors: Marian Croak, Hossein Eslambolchi
  • Patent number: 8819815
    Abstract: Aspects of the present invention are directed to a method and system for distributing information from an information distributor in a banking environment. The method may include composing an electronic notification instrument by providing a notification component and providing a payload component, the payload component including a selectable link. The method may additionally include pushing the electronic notification instrument to an information client and allowing a pull from the information distributor through the electronic notification instrument such that the payload component including the selectable link is activated by an authorized information recipient, the authorized information recipient determined by the information client. The method may additionally include determining through a tracer whether the electronic notification instrument has an acceptable disposition and rendering the electronic notification instrument inaccessible if the disposition is not acceptable.
    Type: Grant
    Filed: October 16, 2007
    Date of Patent: August 26, 2014
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Sih Lee, Adrian Kunzle
  • Patent number: 8800027
    Abstract: An authentication method and system provides for a user requesting authentication where the authentication request includes Personally Identifiable Information (PPI) such as geolocation data. The user's device requesting authentication alters or encrypts the PII in order to prevent the PII's unintentional discovery by third parties or to comply with jurisdictional requirements for the safeguarding of PII. The receiving party saves the altered or encrypted PII for later use. In order to use the PII and perform calculations for authentication, the receiving party requests a trusted third party with knowledge of the methodology or key used to alter or encrypt the PII to perform calculations on the original values of the PII without saving the PII. The trusted third party returns a computed value to the receiving party where it is used to determine whether the user will be authenticated.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: August 5, 2014
    Assignee: EMC Corporation
    Inventor: Karl Ackerman
  • Patent number: 8800004
    Abstract: A computerized authorization system configured to authorize electronically-made requests to an electronic entity. The computerized authorization system comprises a store configured to store an indication of at least one predetermined electronic authorization device configured to authorize each electronically-made request. The computerized authorization system is further configured such that: in response to receiving an electronically-made request to the electronic entity, an indication of the request is output to the at least one predetermined electronic authorization device configured to authorize the request as indicated in the store; and in response to receiving an indication of authorization from the at least one predetermined electronic authorization device, an indication of authorization of the request is output to the electronic entity.
    Type: Grant
    Filed: March 21, 2012
    Date of Patent: August 5, 2014
    Inventor: Gary Martin Shannon
  • Publication number: 20140214687
    Abstract: A cryptographic expansion device that can be attached to a communication component of a communication device to enable the communication device to perform cryptographic operations on communications sent to and from the communication device is described. When used with a communication device, the cryptographic expansion device enables the communication device to send and received end-to-end secure encrypted communications. The cryptographic expansion device can be used with a communication device without requiring any changes to the internal software or hardware of the communication device and without requiring any modification to the communication protocols of the communication device. In some embodiments, the end-to-end secure communications enabled by the cryptographic expansion device can be utilized by a user of the communication device to perform financial and/or banking transactions.
    Type: Application
    Filed: July 20, 2012
    Publication date: July 31, 2014
    Inventor: Horatio Nelson Huxham
  • Patent number: 8769286
    Abstract: A method for generating e-mail messages with increased security includes receiving an e-mail message at a control system. The e-mail message has recipients, a security level, control attributes, and e-mail message contents. Moreover, the method includes verifying the recipients at the control system, and storing the recipients, security level, control attributes, and e-mail message contents in the control system when each of the recipients is verified. Furthermore, the method includes generating modified e-mail messages from the e-mail message, transmitting each of the modified e-mail messages to a respective recipient, and capturing authentication data from one of the recipients when the one recipient indicates a desire to view the e-mail message contents with a communications device operated by the one recipient. When the one recipient is successfully authenticated, the method includes permitting the one recipient to view the e-mail message contents in accordance with the control attributes.
    Type: Grant
    Filed: September 20, 2011
    Date of Patent: July 1, 2014
    Assignee: Daon Holdings Limited
    Inventors: Conor Robert White, Christopher Eric Holland, Jason Scott Cramer, Christopher James Mort, John Francis Oakley, III
  • Patent number: 8719907
    Abstract: A computerized authorization system configured to authorize electronically-made requests to an electronic entity. The computerized authorization system comprises a store configured to store an indication of at least one predetermined electronic authorization device configured to authorize each electronically-made request. The computerized authorization system is further configured such that: in response to receiving an electronically-made request to the electronic entity, an indication of the request is output to the at least one predetermined electronic authorization device configured to authorize the request as indicated in the store; and in response to receiving an indication of authorization from the at least one predetermined electronic authorization device, an indication of authorization of the request is output to the electronic entity.
    Type: Grant
    Filed: May 11, 2012
    Date of Patent: May 6, 2014
    Inventor: Gary Martin Shannon
  • Patent number: 8694356
    Abstract: Augmenting service oriented architecture (‘SOA’) governance maturity including receiving an evaluation of the maturity of the governance of the SOA; identifying, for each governance capability in dependence upon the evaluation of the maturity of the governance capability, one or more predefined risks to the SOA; establishing, for each governance capability in dependence upon the predefined risks to the SOA, a risk value representing the severity of the predefined risks; selecting, for each governance capability in dependence upon the evaluation of the maturity of the governance of the SOA and the predefined risk value, one or more governance work products; and communicating to predetermined stakeholders in the SOA the one or more predefined risks to the SOA identified for each governance capability, the risk value established for each governance capability, and the governance work products selected for each governance capability.
    Type: Grant
    Filed: May 2, 2012
    Date of Patent: April 8, 2014
    Assignee: International Business Machines Corporation
    Inventors: Anthony L. Carrato, Clive S. Gee, David B. Hodge, Robert G. Laird, Randall L. Langel, Ian W. Y. Loe
  • Patent number: 8627271
    Abstract: Particular embodiments provide a method for orchestrating an order fulfillment business process that includes a sub-process. In one embodiment, abstraction of business processes from an underlying information technology (IT) infrastructure is provided. An orchestration process can be designed using sub-processes such that the sub-process is assembled at run-time into an executable process. The sub-process may be defined in an interface as a single step. A plurality of services as then assembled as steps in the executable process at run-time.
    Type: Grant
    Filed: November 12, 2009
    Date of Patent: January 7, 2014
    Assignee: Oracle International Corporation
    Inventors: Lynn Leah Reed, Muhammad Zeeshan Butt, Shrikant Nene, Alok Singh, Krishna Raju Venkata Addala
  • Patent number: 8571981
    Abstract: One embodiment provides a system that facilitates an electronic transaction between a set of entities. During operation, the system discovers a potential interaction between the entities and verifies a set of shared electronic transfer capabilities between the entities. Next, the system facilitates the electronic transaction between the entities by notifying one or more of the entities of the shared electronic transfer capabilities.
    Type: Grant
    Filed: January 29, 2009
    Date of Patent: October 29, 2013
    Assignee: Intuit Inc.
    Inventors: William T. Laaser, Rajalakshmi Ganesan, James A. Schneider
  • Patent number: 8561100
    Abstract: An embodiment defines access control allowing the expression of access control rules using ontology based semantics and references an ontology subset using XPath as the ontological expression. The access control rules or access criteria are defined by an access control statement and may be expressed using classification criteria and ontology classes. The access control statement comprises a structural description that is used to define an asset and a logical expression that may be used to express the classification criteria. The access control statement defines access policy for various assets.
    Type: Grant
    Filed: July 25, 2008
    Date of Patent: October 15, 2013
    Assignee: International Business Machines Corporation
    Inventors: Jie Hu, Joanna W. Ng
  • Patent number: 8543476
    Abstract: In one exemplary embodiment, a method provides a cash ledger. The cash ledger may contain at least one line item and a clearing account. The method may post a payment, which contains at least one line item, to a bank account and clear a business partner account by posting the payment against the business partner account.
    Type: Grant
    Filed: March 28, 2008
    Date of Patent: September 24, 2013
    Assignee: SAP AG
    Inventors: Michel Loehden, Ruediger Raubeck, Vladimir Sept
  • Patent number: 8484701
    Abstract: A method for providing internet security via multiple user authorization in virtual software. Each of two users are provided with a non-transitory tangible storage medium. The first user inputs the storage medium into a local computer. If the first user is granted authorization by a second user, the first user can download at least one additional non-browser based application module into virtual memory of his local computer.
    Type: Grant
    Filed: October 28, 2011
    Date of Patent: July 9, 2013
    Inventor: Christopher Murphy
  • Patent number: 8442919
    Abstract: Digital cash token protocols use a combination of blind digital signatures and pseudonym authentication with at least two pairs of public and private keys. A user is provided with one master pair of private and public keys and as many pseudonym pairs of private and public keys as desired. The resulting digital cash token based hybrid protocols combine the advantages of blind digital signature and pseudonym authentication. Blind digital signatures based on the master pair of keys are used to withdraw digital cash from the user's bank account under the user's real identity. A pseudonym pair of keys is used for converting digital cash into digital cash tokens by a digital cash issuer. All pseudonyms can be used for spending the digital cash tokens. These protocols ensure anonymity when withdrawing digital cash from the user's account under the user's real identity in addition to providing pseudonym authentication when spending digital cash tokens under a pseudonym.
    Type: Grant
    Filed: December 14, 2010
    Date of Patent: May 14, 2013
    Assignee: King Fahd University of Petroleum and Minerals
    Inventors: Ahmed Ibrahim Al-Herz, Mohammad K. Ibrahim
  • Patent number: 8421594
    Abstract: Embodiments of methods and apparatus for tag-based personalization of kiosk computing devices are disclosed. In embodiments, an authentication server/system may receive, from a mobile device, a plurality data packets having data associated with a display tag of a kiosk computing device. The authentication system/server may, in response, instruct the kiosk to activate an account-specific mode based on an account associated with the mobile device. Other embodiments may be described and/or claimed.
    Type: Grant
    Filed: April 2, 2010
    Date of Patent: April 16, 2013
    Assignee: Intel Corporation
    Inventor: Paul B. Anders
  • Patent number: 8381271
    Abstract: A method and system for providing remote user access to secure financial applications by deployment of SSO software (126) to client workstations (120), including receiving a password for collaborating access to a secure server (110); navigating to the secure server (110) using a web browser (124) on a remote workstation (120); providing user authorization details and the received password to the secure server (120); generating a subsequent password at the secure server (110) upon validation of the user authorization details and received password; downloading an SSO deployment file (122) to the remote workstation (120), said deployment file (122) including the subsequent password; executing the SSO deployment file (122) to install an SSO client application (126) on the remote workstation; reading workstation settings and user credentials from a secure file or data store; and running the SSO client application (126) on the workstation to employ the user credentials and subsequent password to logon to the secure
    Type: Grant
    Filed: September 19, 2006
    Date of Patent: February 19, 2013
    Assignee: Actividentity (Australia) Pty, Ltd.
    Inventors: Timothy Dingwall, Matthew Herscovitch, Jason Hart, John F. Clark, John Boyer
  • Patent number: 8346910
    Abstract: Methods for controlling online session inactivity timeouts between a user terminal and a server involves the server polling the user's local terminal to determine whether the user presence at the terminal can be confirmed if there is a period of inactivity within the session. If so, or if the server can otherwise confirm that the terminal is secured from use by other users, then the user session is maintained. Otherwise, the user session is allowed to timeout due to inactivity. The server may issue an alert to the user whenever a timeout is imminent, and may restore any information entered by the user prior to the timeout, if the user later returns and validates his identification.
    Type: Grant
    Filed: November 30, 2004
    Date of Patent: January 1, 2013
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: Michael Barrett
  • Patent number: 8271588
    Abstract: Systems and methods for filtering fraudulent email messages are described. In one embodiment, a method includes receiving an email message, determining whether the email message is indicative of fraud, and creating a fraud filter based on the email message if the email message is fraudulent.
    Type: Grant
    Filed: September 24, 2004
    Date of Patent: September 18, 2012
    Assignee: Symantec Corporation
    Inventors: Mark Bruno, David Cowings, Sanford Jensen, Dylan Morss, Ken Schneider
  • Patent number: 8250657
    Abstract: A reputation server is coupled to multiple clients via a network. Each client has a security module that detects malware at the client. The security module computes a hygiene score based on detected malware. The security module provides the hygiene score and an identifier of a visited web site to a reputation server. The security module also provides identifiers of files encountered at specified web sites to the reputation server. The reputation server computes secondary hygiene scores for web sites based on the hygiene scores of the clients that visit the web sites. The reputation server further computes reputation scores for files based on the secondary hygiene scores of sites that host the files. The reputation server provides the reputation scores to the clients. A reputation score represents an assessment of whether the associated file is malicious.
    Type: Grant
    Filed: March 28, 2007
    Date of Patent: August 21, 2012
    Assignee: Symantec Corporation
    Inventors: Carey S. Nachenberg, Michael P. Spertus
  • Patent number: 8244548
    Abstract: Augmenting service oriented architecture (‘SOA’) governance maturity including receiving an evaluation of the maturity of the governance of the SOA; identifying, for each governance capability in dependence upon the evaluation of the maturity of the governance capability, one or more predefined risks to the SOA; establishing, for each governance capability in dependence upon the predefined risks to the SOA, a risk value representing the severity of the predefined risks; selecting, for each governance capability in dependence upon the evaluation of the maturity of the governance of the SOA and the predefined risk value, one or more governance work products; and communicating to predetermined stakeholders in the SOA the one or more predefined risks to the SOA identified for each governance capability, the risk value established for each governance capability, and the governance work products selected for each governance capability.
    Type: Grant
    Filed: December 18, 2008
    Date of Patent: August 14, 2012
    Assignee: International Business Machines Corporation
    Inventors: Anthony L. Carrato, Clive S. Gee, David B. Hodge, Robert G. Laird, Randall L. Langel, Ian W. Y. Loe
  • Patent number: 8220030
    Abstract: A system of security for global computer transactions that provides a reverse-authentication authority system that enables a client to authenticate the server to the client first before the user of a client proceed to enter their user id and password or other personal data in the web page to assure them that the web page did indeed originate from the secure web server and not from an imposter. The system uses an authentication code that is given to the client user when they call a reverse-authentication server by an out-of-band method such as a telephone network, different than the global network and which then appears in the part of the web page for them to visually see and compare the one they have received in the telephone call to the server.
    Type: Grant
    Filed: June 25, 2006
    Date of Patent: July 10, 2012
    Inventor: Tara Chand Singhal
  • Patent number: 8200554
    Abstract: A method for transferring funds, comprising defining a savings parameter associated with a first financial account and a second financial account, wherein the savings parameter adjusts over time based on the funds available in the first financial account and the second financial account, performing a transfer of funds from the first financial account to the second financial account for a transfer amount determined by the savings parameter, and displaying a progress report based on the transfer of funds.
    Type: Grant
    Filed: December 18, 2008
    Date of Patent: June 12, 2012
    Assignee: Intuit Inc.
    Inventors: Lucinda Kathryn Foss, Lesley K. Grossblatt
  • Patent number: 8141134
    Abstract: Embodiments of the invention are generally directed to a system and method for enrolling a user into an authentication system. In some embodiments of the invention, a user completes a first portion of the enrollment or setup process using a first computer environment, but is not permitted to complete the enrollment or setup process from the first computer environment. The system permits the user to complete the enrollment or setup process only from a second computer environment different from the first computer environment. In one embodiment, the second computer environment is any computer environment outside of the first computer environment.
    Type: Grant
    Filed: October 30, 2009
    Date of Patent: March 20, 2012
    Assignee: Bank of America Corporation
    Inventors: Jessica Lynn Brandt, William Larry Grant, Jr., Linda Marie Dziedzic, Aaron Daniel Lewis, Duncan Converse Morrell, Kapil Pruthi, Nishant H. Shah, Justin McCord, Heather Dolan, Ronald C. Mitchell, Jr., Michael Dean Bridges, Craig T. Johnson, Xianhong Zhang, Tanuja Melkani, Debra Jean Lewis, Gail R. Davis, Karen Choy, David Shroyer, Joseph M. Hollmann, Kris Tullos, Sidney A. Winchester, Jr.
  • Patent number: 8103588
    Abstract: A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the transaction satisfies a stored blocking parameter. The method further includes allowing, using the server computer, the transaction clearing request if the transaction does not satisfy the stored blocking parameter, and denying, using the server computer, the transaction clearing request if the transaction satisfies the stored blocking parameter.
    Type: Grant
    Filed: September 29, 2009
    Date of Patent: January 24, 2012
    Assignee: Visa International Service Association
    Inventor: Barbara Elizabeth Patterson
  • Patent number: 8090663
    Abstract: An automated banking machine (12, 200, 302) is provided. The machine may be operative to install a terminal master key (TK) therein in response to at least one input from a single operator. The machine may include an EPP (204) that is operative to remotely receive an encrypted terminal master key from a host system (210, 304). The machine may authenticate and decrypt the terminal master key prior to accepting the terminal master key. The machine may further output through a display device (30) of the machine a one-way hash of at least one public key associated with the host system. The machine may continue with the installation of the terminal master key in response to an operator confirming that the one-way hash of the public key corresponds to a value independently known by the operator to correspond to the host system.
    Type: Grant
    Filed: September 14, 2006
    Date of Patent: January 3, 2012
    Assignee: Diebold, Incorporated
    Inventors: Timothy Zajkowski, Anne Doland, Mark D. Smith
  • Patent number: 8074261
    Abstract: A method for providing internet security includes providing a storage medium including a first executable application module. In response to inputting the storage medium onto a local computer the first executable application module is loaded into virtual memory in the local computer. The first executable application module is executed, the first executable application module providing information identifying at least one remote server. Communication is performed between the local computer and the remote server using the information provided by the first executable application module. The remote server is instructed to send a second application module to the local computer. Upon receipt of the second application module, the second application module is loaded into virtual memory on the local computer. The second application module is executed from virtual memory and a prompt is displayed to the user.
    Type: Grant
    Filed: March 28, 2008
    Date of Patent: December 6, 2011
    Inventor: Christopher Murphy
  • Patent number: 8046301
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: October 25, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 8041338
    Abstract: The claimed subject matter provides a system and/or a method that facilitates securing a wireless digital transaction. A terminal component can receive a portion of data related to a payment for at least one of a good or a service. A mobile device can include at least one mobile payment card (m-card), wherein the m-card is created by establishing a link to an account associated with a form of currency. The mobile device can employ public-key cryptography (PKC) to securely and wirelessly transmit a payment to the terminal component utilizing the m-card and linked account.
    Type: Grant
    Filed: September 10, 2007
    Date of Patent: October 18, 2011
    Assignee: Microsoft Corporation
    Inventors: Yuqun Chen, Mohammed Moinuddin, Yacov Yacobi
  • Patent number: 8019685
    Abstract: A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the transaction satisfies a stored blocking parameter. The method further includes allowing, using the server computer, the transaction clearing request if the transaction does not satisfy the stored blocking parameter, and denying, using the server computer, the transaction clearing request if the transaction satisfies the stored blocking parameter.
    Type: Grant
    Filed: September 28, 2009
    Date of Patent: September 13, 2011
    Assignee: Visa International Service Association
    Inventor: Barbara Elizabeth Patterson
  • Patent number: 8001051
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 16, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7996314
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7996316
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7996315
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 7930248
    Abstract: A technique for determining a period of time to complete a payment to a payee is provided. The time that each of one or more payments to a payee is issued is stored. Post-issue event information associated with each of the one or more payments is received. The period of time to complete a future payment to that payee on behalf of a payor is then determined based upon the stored payment issue time information and the received post-issue event information.
    Type: Grant
    Filed: June 30, 2003
    Date of Patent: April 19, 2011
    Assignee: CheckFree Corporation
    Inventors: Mary Elizabeth Lawson, Cheryl L. Ward, Hans Dreyer
  • Patent number: 7907149
    Abstract: The present invention relates to a method for a cell phone based dating service. The method uses telecommunication in the form of phones, cell phones or email. The invention proposes a method or way to exchange the information of two people in a fast way by the Internet or telephone or cell phones, making it possible divide peoples personal information in small portions and to give out these portions step by step. In the invention proposes a system-administrator, the system, will coordinate the exchange of information between the meeting people. The invention uses a computer based partner service system in which a participant can order the system to give out its personalized information in defined modifications.
    Type: Grant
    Filed: September 5, 2002
    Date of Patent: March 15, 2011
    Inventor: Wolfgang Daum
  • Patent number: 7877331
    Abstract: Digital cash token protocols use a combination of blind digital signatures and pseudonym authentication with at least two pairs of public and private keys. A user is provided with one master pair of private and public keys and as many pseudonym pairs of private and public keys as desired. The resulting digital cash token based hybrid protocols combine the advantages of blind digital signature and pseudonym authentication. Blind digital signatures based on the master pair of keys are used to withdraw digital cash from the user's bank account under the user's real identity. A pseudonym pair of keys is used for converting digital cash into digital cash tokens by a digital cash issuer. All pseudonyms can be used for spending the digital cash tokens. These protocols ensure anonymity when withdrawing digital cash from the user's account under the user's real identity in addition to providing pseudonym authentication when spending digital cash tokens under a pseudonym.
    Type: Grant
    Filed: September 6, 2007
    Date of Patent: January 25, 2011
    Assignee: King Fahd University of Petroleum & Minerals
    Inventors: Ahned Ibrahim Al-Herz, Mohammad K. Ibrahim
  • Patent number: 7865729
    Abstract: A method of posting HTML form data securely is provided. Some embodiments may use an existing security protocol to send the sensitive information as an encrypted challenge from a client to a server, while other embodiments may require a bidirectionally-authenticated tunnel to be created before sensitive data is transmitted. The browser displaying the HTML form may employ user interface elements, such as graphical images and/or display messages, that actively notify the user when the webpage form is not secure via bidirectional authentication.
    Type: Grant
    Filed: October 2, 2006
    Date of Patent: January 4, 2011
    Assignee: Cisco Technology, Inc.
    Inventor: Max C. Pritikin
  • Patent number: 7828208
    Abstract: Retail point-of-transaction systems, program products, and related computer implemented methods to provide a customized set of identification data to facilitate a retail sales point-of-sale transaction which includes the use of one or more electronic coupons is provided. The retail point-of-sale system can include a computer having memory and configured to facilitate one or more transactions each of which include the use of one or more electronic coupons through a retail point-of-transaction terminal positioned remote from, and adapted to be in communication with, the computer. The computer can also include a set of instructions that when executed by the computer cause the computer to redeem one or more electronic coupons for one or more retail transactions responsive to a customized set of identification data provided by the computer responsive to a data profile derived from a set of personal data of at least one of a plurality of remotely positioned users.
    Type: Grant
    Filed: January 26, 2009
    Date of Patent: November 9, 2010
    Assignee: E-Micro Corporation
    Inventor: Frank J. Gangi
  • Patent number: 7797250
    Abstract: A method of electronically endorsing a check includes obtaining an electronic image of the check and composing an endorsement data element for the check that includes at least first information identifying a party endorsing the check. The method further includes creating a message data file including the electronic image and the endorsement data element, and creating a signed message data file that includes the message data file and a digital signature of the message data file creating using a private key. The private key may be specific to the party endorsing the check or to an electronic device with which the method is implemented. Also, a method of performing an inquiry relating to a check that was endorsed as described above using the endorsement data element.
    Type: Grant
    Filed: November 18, 2005
    Date of Patent: September 14, 2010
    Assignee: Pitney Bowes Inc.
    Inventors: Leon A. Pintsov, David Pintsov
  • Patent number: 7788175
    Abstract: An Internet-based check ordering system includes an Internet-based server having a check order entry user interface, a bank transit number computer system in operable communication with the Internet-based server computer system, a client computer system in operable communication with the Internet-based server computer system and a printing system in operable communication with the Internet-based server computer system to print the ordered checks.
    Type: Grant
    Filed: August 25, 2003
    Date of Patent: August 31, 2010
    Inventor: Cindy Hadfield
  • Patent number: 7774609
    Abstract: A method and apparatus for the digital signing of a message to be signed, the message to be signed is transmitted via a communication network to a mobile radio telephone to be used as a signing unit. A message to be signed is transmitted from a transmitter to a receiver and then from the receiver to the mobile radio telephone via a telephone network. The mobile radio telephone user indicates that the message to be signed should be signed, and the mobile radio telephone generates a signed message. The signed message is then transmitted from the mobile radio telephone to the receiver and from the receiver to an addressee.
    Type: Grant
    Filed: April 14, 2008
    Date of Patent: August 10, 2010
    Assignee: First Data Mobile Holdings Limited
    Inventors: Stefan Röver, Hans-Dieter Groffman
  • Patent number: 7756781
    Abstract: A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: July 13, 2010
    Assignee: NextCard, LLC
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan, Dermot Gately
  • Patent number: RE44381
    Abstract: An Internet-based check ordering system includes an Internet-based server having a check order entry user interface, a bank transit number computer system in operable communication with the Internet-based server computer system, a client computer system in operable communication with the Internet-based server computer system and a printing system in operable communication with the Internet-based server computer system to print the ordered checks.
    Type: Grant
    Filed: August 30, 2012
    Date of Patent: July 16, 2013
    Inventor: Cindy Hadfield