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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Abstract: Systems, methods, and computer program products are provided for user authentication required for conducting online financial institution transactions. The disclosed embodiments leverage the capabilities of platforms other than conventional personal computers and laptops, such as gaming consoles and wireless devices. Unique intrinsic user activities, such as controller motions or activities, built-in hardware signatures or other input data associated with a gaming console are used as the authentication mechanism, so as to provide a higher degree of security in the overall authentication process by lessening the likelihood of password replication or interception during network communication.

Abstract: Systems and methods provide for embedding white noise signals representing DTMF digits into a voice data stream.

Abstract: A method. The method includes a) sending a first transaction notification message comprising an original payee identifier to a user. The original payee identifier may be part of original transaction information associated with a first transaction. At some point, the user sees this transaction information and wants to correct one or more items in the transaction information. For example, the user may not recognize that the original payee identifier is wrong or is otherwise unrecognizable. The user may then contact a central server (e.g., via a Web site) and may provide updated transaction information such as an updated merchant identifier to the central server computer. This updated transaction information may be stored so that subsequent transactions can be accurately conducted and reported to the user, and other uses.

Abstract: A central transaction server in electronic commerce card authorization system enables the electronic commerce card association to manage and monitor the authentication system. The central transaction server acts as an intermediary for all communications between the access control server used for authentication. If any portion of the authentication system fails, the central transaction server compensates by providing appropriate responses to other portions of the system. The centralized transaction server translates all incoming traffic into a format compatible with the intended recipient, enabling portions of the system to be upgraded without breaking compatibility with the non-upgraded portions. The centralized transaction server also enables the integration of formally separate portions of the authentication system into a single unit.

Abstract: A plurality of storage location numbers (“SLNs”), each having a cryptographic period, is received at a first device (100). A system cryptographic period is determined based on the SLN cryptographic periods. Prior to expiration of each system cryptographic period, if at least one SLN requires an updated, the first device sends updated key material for the at least one SLN. A second device (102) maintains first, second, and third keysets, wherein the first and second keysets comprise key material. The second device receives a message to make the first keyset active, and a second message for updating at least a portion of the key material in the second keyset with updated key material for at least one SLN. The second device makes the third keyset equivalent to the second keyset, updates the second keyset with the updated key material, and receives a third message to make the second keyset active.

Abstract: A transaction manager may be paused so that the transactions it manages are prevented from making transaction state changes. While the transaction manager is paused, the transactions that the transaction manager is executing may not be allowed to complete. A transaction manager may be configured to obtain permission from a transaction freeze manager in order to transition the state of a transaction. The transaction freeze manager may function as a read/write lock manager controlling locks on a transaction freeze object. In servicing a transaction state transition request, the transaction freeze manager may grant the transaction manager a read lock on the transaction freeze object. In servicing a transaction manager pause request, the transaction freeze manager may grant an administrative entity a write lock on the transaction freeze object.

Abstract: An apparatus and method by which a user or cardholder can be given an Electronic-Commerce PIN that bears no discernible relation to the ATM PIN, but from which the ATM PIN can be cryptographically determined using the cardholder's account number and an issuer-unique “conversion” secret key. The intent is that the Maestro Master Debit Switch, or else the Member Interface Processor, whichever is appropriate to a given issuer, can “convert” an Electronic-Commerce PIN to an ATM PIN, so that the member, by verifying the ATM PIN, is in effect verifying the Electronic-Commerce PIN. If the Electronic-Commerce PIN is entered incorrectly, it will convert into an incorrect ATM PIN. Thus the member's EDP facility need not deal with two PINs, yet the ATM PIN is not exposed to possible compromise in PCs or other electronic-commerce equipment. The suggested approach ensures that any disclosure of the Electronic-Commerce PIN does not disclose the ATM PIN.

Abstract: A communication system is disclosed comprising a communication network and a communication device. The communication device reads machine-readable information from a card, wherein the information on the card corresponds to data hosted by a content provider in the communication network. The communication device processes the information to locate the content provider, and transmits a request for the data and the information to the communication network. The communication network processes the information to translate the data hosted by the content provider to a format suitable for the communication device. The communication network also processes the information to handle a financial transaction for the data.

Abstract: In one example embodiment, a system and method is shown as including receiving an email address selection displayed as part of a screen widget, the screen widget included within the display of an interface associated with an Internet-utilizing application. Further, this method may, for example, include executing a plug in having a send money function, the plug in associated with the Internet-utilizing application, the send money function executed due, in part, to a signal received from an input device. The method may additionally include generating a payment request identifying a recipient of funds by the e-mail address selection.

Abstract: A system to provide a customized set of identification data to facilitate a transaction and related methods, are provided. The system can include a computer in communication with a database to store personal control IDs and sets of personal data associated with personal control IDs identifying a selected different person for use by a selected one of one or more providers identified by provider ID, and program product to perform the operations of receiving a set of personal data from a remotely positioned user, requesting and receiving a personal control ID from the user to associate with a set of personal data, storing the personal control ID and the set of personal data in the database, receiving a request for at least a portion of the set of personal data of the user, and providing customized information based on a data profile derived from the set of personal data of the user.

Abstract: A system and method are disclosed for presenting a reason for the rejection of 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.

Abstract: An automated transaction machine such as an ATM (10) is provided. The ATM is operative to digitally sign electronic documents (42). The ATM may be in operative connection with a storage server (32). The storage server is operative responsive to the ATM to maintain electronic documents (42) in a data store (34) in association with the user's digital safe deposit account (40) and/or a financial account (48) such as checking, savings, debit, or credit account. The storage server is further operative to store a private key (44) of a user in association with the user's digital safe deposit account and/or financial account. The ATM is operative to cause electronic documents to be signed using the private key associated with the user. The ATM is further operative to output the electronic document on a display device (18) of the ATM where the user may view and edit the electronic document.

Abstract: Method, parser, messaging system, computer program and computer program product for handling context information associated with a message flow in a messaging system, the message flow having processing nodes for processing the message. A request is received at the parser to perform a first operation associated with the message. An indication of the context information to retrieve from a context store is obtained. This context information is for use by at least one of the processing nodes in the message flow for determining how to process the message. The context information is retrieved from the context store and a logical representation of the context information is then created in a format accessible by at least one processing node in the message flow.

Abstract: A method and apparatus is provided for secure terminals that facilitate secure data transmission and are compliant with the payment card industry (PCI) data security requirements. A security processor is combined with an application processor and a display into a secure display control unit (SDCU) that provides tamper resistance and other security measures. Modular secure I/O devices are interfaced to the SDCU via a wired, or wireless, medium so as to facilitate secure data transfer to the SDCU during a point-of-sale (POS) transaction or other transaction that requires secure data entry. The secure I/O devices implement one-time-pad (OTP) encryption, where the random keys, or pads, are generated by a derived unique key per transaction (DUKPT) generator. Other embodiments facilitate interconnection of the secure I/O devices to a hardware security module (HSM) or a personal computer (PC) while maintaining a high level of data security.

Abstract: An online transaction system configured to implement authentication methods that allow for strong multi-factor authentication in online environments. The authentication methods can be combined with strong security methods to further ensure that the authentication process is secure. Further, the strong multi-factor authentication can be implemented with zero adoption dependencies through the implementation of automated enrollment methods.

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.

Abstract: Systems and methods are defined for facilitating the audit process involving a financial institution, a client of the financial institution, and an accountant. A service provider receives the client's account information from the financial institution upon approval of the client. The financial institution also provides an identification number allowing the accountant to access the information deposited in the service provider. The accountant is provided the identification number in one of a variety of ways allowing the accountant to access the client's information to facilitate an audit process. In this manner, an audit process can be facilitated and reduce the sending of paper copies from the financial institution to the accountant.

Abstract: A method that provides access to Privileged Accounts to users with Privileged Account access permission. A message is sent to a Privileged Accounts manager when a user logs into a Privileged Account. The user must enter a reason for access. All keystrokes are logged. At the conclusion of the user session, the log file is closed and another message is sent to the Privileged Accounts manager. The log file may be sent to the manager at this time or saved for a batch transfer periodically.

Abstract: Methods and systems for selecting a payment source for use in making a mobile financial payment utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for electronic communications with one or more financial service providers with which the user maintains one or more accounts, and also for wireless communications with mobile devices. The mobile device displays information corresponding to accounts available to the user as a payment source for use in connection with making a payment using the mobile device. The user selects a payment source for making a payment. The mobile device generates a mobile payment instruction comprising information corresponding to the payment and a selected payment source. The mobile payment instruction is wirelessly communicated to the MFTS.

Abstract: The present disclosure provides an improved system and method that allows a registrant to establish, generally through the Internet, an electronic account with a provider of services or products, and allows the registrant and others to add value to the account to raise the value through the collective contributory efforts. The value can include various forms such as monetary value from bank accounts and debit or credit charge cards. The value can also include in-kind value that is appropriate to the services from the provider, such as travel miles for an airline account. Still further, the provider can itself add value to the account, such as for promotional incentives. The incentives can include bonuses for timely use or the recipient's selection of certain services or products, and other promotional purposes. The collective efforts of several entities contributing to the account create a source for the recipient to select a service or product from the provider, such as travel.

Abstract: Techniques are described for securitizing, administering and trading various index shared securitized by derivative, cash-settled instruments on the underlying index.

Abstract: Personalized transaction identification information is provided by a user to supplement the generic transaction banking information received from the user's electronic banking service. The personalized transaction identification information is maintained by the user or the user's Internet Service Provider (ISP) or host. At the time of the transaction or later, details about the transaction are entered by the user into a personal digital assistant (PDA) or online. Subsequently, when the user downloads his banking information, the downloaded banking material is matched with the stored personalized transaction identification information. As a result, the information provided to the user about a transaction is more comprehensive since information beyond check number and amount are provided.

Abstract: A method and system for paying bills. A service provider receives, via a network, a request to pay a bill on behalf of a consumer. The consumer can request that any merchant be paid. The service provider searches a master database containing names of merchants to determine if the merchant the consumer has requested be paid is included in the database. If the merchant is not included in the database the service provider adds the merchant to the database. The request is processed to generate an instruction to pay the merchant.

Abstract: A virtual postage metering system and method provides value added services corresponding to postage metering transactions. Funds are not stored at a user's site, reducing the risk of unauthorized modification of accounting balances. There is a database record of every mailpiece, thereby improving verification since all valid pieces are known. Furthermore, the present invention enables the Post to know the volume of mail to be processed prior to receipt of physical mail pieces. Since more mailer data is available (e.g. when users usually mail, how much mail per day, average postage amount) the virtual postage metering system enables the postal service to predict mail handling patterns. Additionally, users have the option to pay as they go which contrasts present systems in which funds must be on deposit prior to being downloaded to a meter although such downloaded funds may remain in the meter for weeks before being used.

Abstract: A definition tool of the present invention declares columns which are concealed in external tables to a multi-database server. The multi-database server controls a decomposition and an execution of query messages such that the multi-database server does not perform an arithmetic using the concealed columns. The external database server encrypts the data of concealed columns in tables of query result tables. The multi-database server designates a range to be decrypted at the time of acquiring and integrating respective result tables. A client program acquires an integrated result table and decrypts the designated range. Since the data encrypted by the external database server is decrypted by and is referred to the client program, it becomes difficult for the multi-database server to refer to a content of the concealed columns.

Abstract: A system and method are disclosed for presenting a reason for the rejection of 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.

Abstract: An Internet business transaction processor of the present invention has a distributed processing architecture which allows the processing load to be distributed among multiple parallel servers. The transaction processor of the present invention provides a virtual store front utilizing “others people's warehouse” approach by using a dynamic distributor selection processing system to select among a plurality of distributors based on flexible rule-based algorithm. Furthermore, a multi-level fraud check processing system allows orders to be processes that would otherwise be discarded to generate a higher yield in sales.

Abstract: A method of doing business is disclosed that transforms a biometric used by a user in a transaction. The transformation creates a distorted biometric. The distorted biometric is used to identify the user to another party without requiring the user to provide actual physical or behavioral characteristics about himself to the other party.

Abstract: A multimedia network (1) with connected customer stations (2), merchant servers (3), and a payment server (5). Secure electronic transactions are performed using a secure electronic transactions protocol (SET), including exchange of digital certificates, managed by a Trusted Third Party Server (9). The customer stations comprise transactions management means (10), fit for performing said SET protocol and for managing said certificates for the customer station. A remote customer agent (13) represents the customer station in the negotiation and payment process. The customer station (2) comprises an agent interface (12), fit for transmission of codes, parameters and certificates between the customer agent (13) and the transactions management means (10). A remote merchant agent (14) represents the merchant station (3) in the negotiation and payment process with the customer agent (13) or the customer station (3), to have paid for the selected products in a secure way, under control of SET protocol.

Abstract: A method, system, and apparatus for authenticating transactions and records is disclosed. A nonce stamp is a physical article that is relatively difficult to copy illicitly, and that bears a “nonce” number. The “nonce” is a relatively unique identifier, in that it is chosen from a distribution such that any given user/customer is extremely unlikely to obtain two nonce stamps bearing the same nonce. The method includes: presenting a nonce stamp having a nonce number; presenting a numbered digital certificate derived securely from the nonce number; and authenticating the transaction by comparing the number on the digital certificate and the nonce number. The digital certificate is typically obtained by users/customers in exchange for the purchase price of a desired transaction. The apparatus is an information-based indicium including a nonce stamp, and a digital certificate including a number derived securely from the nonce.

Abstract: Embodiments of the present invention described and shown in the specification and drawings facilitate electronic authentication services for banking and other industries. Authentication services, often using Public Key Infrastructure (PKI) technology, are used to confirm the identity of the sender of data and to ensure that the data that was received is identical to the data that was sent. Embodiments of the present invention provide authentication services that may be used by a variety of configurations of entities requesting data authentication and entities responding to those requests. Embodiments of the present invention also support compatibility with commercial data authentication standards, integration with third-party data authentication software such as Secude (for Identrus access), and systems to control data authentication risks.

Abstract: The invention pertains to a method, online service, and system, for creating partnerships based on trust relationships over a public network, authenticating trade partners, infrastructure providers and collaborators to each other, and providing users with an environment suitable for conducting transactions requiring a high level of trust. A service according to the invention is a persistent authentication and mediation service (PAMS) which is provided as an on-line service. One embodiment is a method for conducting authenticated business transactions involving microprocessor equipped devices over the Internet comprising: A. providing an on-line authentication service available on the distributed network; B. authenticating a plurality of users to said on-line authentication service using a closed authentication system to produce a plurality of authenticated users; and C.

Abstract: An electronic cashless system uses a cashless medium for memorizing amount information and for performing an operation of amount information. The electronic cashless system comprises an automatic transaction terminal device having a reading/writing unit for writing amount information to the cashless medium, and a center device having a unit for identifying the account balance of multiple accounts and for storing amount information and a non-settled fund file unit for storing amount information written by the cashless medium and a seller ledger file means for identifying the account balance of the multiple seller's accounts and for storing amount information.

Abstract: An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82). The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction devices.

Abstract: A system and method for authorizing certain aspects of network based transactions between a customer and a merchant is disclosed. The system utilizes an account code for identifying rights to use an account identified by an account number, and a database for storing the account number, account code, and a Signature Phrase. The Signature Phrase is stored when rights to use the account have been positively identified. The customer can complete an e-commerce transaction using the customer's account by providing a Signature Phrase without the Signature Phrase or account code actually residing in the database or being provided to the merchant. The account code, account number, and Signature Phrase may be received through one or more external interfaces with the customer. In some embodiments, the database stores the account number, account code, and the Signature Phrase in a hashed format.

Abstract: An automated teller machine (ATM) implements financial transactions over the Internet. The ATM includes a computer and at least one non-standard I/O device coupled to the computer. The computer of the ATM interprets extended open network protocol statements to control the non-standard I/O device for purposes of implementing a financial transaction.

Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.

Abstract: The present invention is directed to a combination software and/or hardware system that provides consumers and merchants with a secure method for making and accepting credit card and ATM card payments over the Internet. Using various software and/or hardware implementations, the system operates by: 1) creating (at the consumer's Internet access device) a Data Encryption Standard (DES) encrypted Personal Identification Number (PIN) Block meeting American National Standards Institute (ANSI) X9.

Abstract: A telecommunication total security system of financial transaction substantially diminishes any risk of continued illicit use of payment means. The system comprises one or more user identification codes to be coupled with transaction codes when carrying out a financial transaction. Each transaction code is unique and unrepeatable for each transaction and is generated by an administrator of the system. Each transaction code is cancelled when the transaction is terminated.