Abstract: Systems, methods, and devices for providing and managing electronic event tickets are provided. For example, a device for managing an electronic event ticket may include a processor configured to run an electronic ticket management application, a memory device configured to store data associated with the electronic ticket management application, an electronic display configured to display at least a portion of the data associated with the electronic ticket management application, and an input/output interface configured to receive an electronic ticket and the data associated with the electronic ticket for management by the electronic ticket management application. The electronic ticket management application may be configured to enable the electronic device to gain entry to an event and to obtain at least one other event-related benefit after the electronic ticket is received by the input/output interface.

Abstract: An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes a processor that is in operative connection with a card reader and a touch screen display. The processor can cause the card reader to read card data from a user card, and can determine whether the read card data corresponds to an authorized financial account. Without the touch screen display surface visibly providing indicia that corresponds to a desired character, the user can still input the character through user contact with the touch screen display surface. The processor can resolve the desired character from the user contact.

Abstract: A card actuated automated banking machine (10) is operative to early out financial transactions responsive to data included on user cards. The banking machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user's financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Alternatively a touch screen display module (608) is operative to securely receive manual inputs and/or card data.

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.

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.

Abstract: Electronic currency consists of data in a form suitable to be stored in a user's data storage medium, comprising information on the data value, identification of each specific set of data or data point, and authentication information suitable to verify that said data has been generated by a specific Currency Issuing Authority (CIA). A method and a system for effecting currency transactions between two users over the Internet or other communication network are also described.

Abstract: A mobile device includes a housing and an antenna mounted in or on the housing. The antenna is for transmitting and receiving transaction signals to and from a point of sale (POS) terminal. The device also includes at least one user interface element mounted on the housing and a transceiver mounted in the housing and coupled to the antenna. Still further, the device includes a secure element mounted in the housing. The secure element is coupled to the transceiver and stores a payment application program. The payment application program is for handling exchanging of the transaction signals with the POS terminal. A tick counter is operated within the secure element. The tick counter is for enforcing at least one time-out period with respect to transactions handled by the payment application program.

Abstract: In various embodiments, a central server grants access to a plurality of anonymous one-time-usable, time-sensitive encrypted tokens that identify consumer purchase orders. A plurality of certified merchant servers are certified by being provided with an application to securely connect the certified merchant servers to the central server for, among other things, transmitting purchase order data to the central server for use in generating the tokens. A plurality of financial institution servers can also be certified by being configured for use with an application that enables secure connection to the central server for, among other things, requesting the tokens.

Abstract: Disclosed are systems and methods for establishing a personal identification number (PIN). The systems and methods provide techniques to begin a remote session with a customer, prompt the customer to select a PIN to associate with a financial account card during the remote session, and receive the PIN from the customer during the remote session.

Abstract: A trusted closed loop payment system and method that reduces the liability imposed upon carriers for delivery of C.O.D. shipments is provided. A third party payment system is authorized by the buyer to make payments to a shipper (and, if applicable, a freight forwarder) on behalf of the buyer upon receipt of goods by the buyer. Since the payment for the shipment is being made by the third party payment system, and guaranteed by the third party payment system, the liability imposed on the carrier to ensure the payment is proper and will be honored is removed. In addition, the present invention provides several advantages for shippers and buyers as well, including receipt of payment by a shipper in a much shorter time frame, and multiple payment options for buyers for account reconciliation with the third party payment system for the C.O.D. shipments.

Abstract: Techniques for processing media data. Techniques are provided for using media keys that have been created for media data. A media key may be used to access media data for which the media key has been created. A media key has information associated with it that may be used to access the media data corresponding to the media key. Various operations may be performed using the accessed media data.

Abstract: A prompt-response card issuing system providing temporary financial transaction cards includes a communications module, a personal account number (PAN) mapping module, and a security measure determination module. The communications module communicates with a plurality of financial card issuers, each having different profile standards for generating security measures, and also receives, from an issuer, an authorization for a new PAN associated with a financial account of a cardholder. The PAN module maps the new PAN to a temporary personal account number (TPAN) for the cardholder. The security measure determination module determines at least one security measure requirement according to a system profile standard of said prompt-response card issuing system rather than the system profile standard of the authorizing issuer.

Abstract: According to one aspect, the invention provides a system for authenticating identities of a plurality of users. In one embodiment, the system includes a first handheld device including a wireless transceiver which is configured to transmit authentication information, a second device including a wireless receiver, where the second device is configured to receive the authentication information.

Abstract: A computerized method (10) is provided which improves data security in electronic transactions in an insecure network (12). This is accomplished when the method (10) operates on a user (18) which has established a commercial relationship with a trusted third party broker (22), and merchants (20a-20d). The method utilizes network links (14, 24) between (a) the trusted third party broker and the user and (b) the trusted third party broker and the merchants. Protocols are selected to operate between each network link, the selection being made, at least in part, on the basis of the computer resources which may be expected to be available in each network link.

Abstract: A system and method for online content licensing and distribution is provided. A central website is accessible by content providers and content licensees via the Internet, and allows content providers to upload content to the central website. Licenses can be associated with uploaded content, and one or more licensees for the content can be designated. Royalty distributions can be defined and distributed to one or more recipients, and can be expressed as percentages of collected royalties or dollar amounts. An e-mail is automatically transmitted to a designated licensee which allows the licensee to access the uploaded content, pay for the content, and download the content. Collected payments are automatically distributed to one or more recipients in accordance with the royalty distributions. Suggested license fees for uploaded content can be generated and provided to the content provider, and uploaded content can be published to a third-party publication website or service.

Abstract: A system for improving transaction security based on location information. The system includes a transaction processing center in communication with a first transaction device and a second transaction device. The transaction processing center includes a receiver that receives respective identification and location from at least one of the first and second transaction devices. The transaction processing center also includes a transaction processor that validates the identifications, validates the locations, and executes a transaction between the first and second transaction devices when the identifications and locations are validated.

Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

Abstract: The system and method performing secure online-transactions based on challenge/response procedures executed by a terminal of at least one customer and by a terminal of a service provider, such as a bank, which terminals are connected to a network, preferably the Internet.

Abstract: Described herein are processes and devices that integrate social contact identifiers into wagering games. One of the devices described is a social contact identifier integrator. The social contact identifier integrator can display one or more elements of a wagering game, such as graphics that are part of, or connected to, the wagering game. A player of the wagering game can have a social network account that has one or more related social network accounts, such as friends or acquaintances. The social contact identifier integrator selects a social contact identifier from one of the related social network accounts and integrates the social contact identifier into the wagering game. The social contact identifier integrator can also determine and assign rewards to the player or to the related social network account whose social contact identifier appeared in the wagering game.

Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

Abstract: A system for point-to-point encryption is provided. A card reader system reads unencrypted card data stored on a magnetic stripe of a card and encrypts the card data, the card reader system being contained in a first housing. A point of sale device coupled to the card reader system and contained in a second housing separate from the first housing has a user interface for obtaining a transaction amount. A transaction request system transmits the transaction amount and the encrypted card data to an authorization gateway, wherein the unencrypted card data is prevented from being processed by the point of sale device.

Abstract: The present Gaming Device For Multi-Player Games provides the end user with a private bidirectional link to the gaming site to enter their moves, to optionally receive private data from the gaming site to enable the end user's device to display private data that is hidden from the other players, and to communicate privately with another member or members of a sub-group. The Gaming Device For Multi-Player Games comprises a content display for displaying content that is transmitted to the plurality of end users on the unidirectional forward path, a plurality of controls for enabling an end user to generate data for transmission to at least one of the multicasting system and the plurality of end users, and a message display for displaying end user private communications received at the end user device.

Abstract: The Gaming System With End User Feedback enables a reverse path feedback architecture wherein the forward path multicasted gaming content transmitted by a gaming site can be dynamically modified as a result of end user interaction or feedback, wherein each end user has a private bidirectional link to the gaming site to enter their moves, optionally receive private data from the gaming site to enable the end user's device to display private data that is hidden from the other players, and to communicate privately with another member or members of a sub-group.

Abstract: A random number generating algorithm is seeded with an unpredictable number. The seed value is computed by subjecting variable data to a Secure Hashing Algorithm, and truncating the right most, or left most, 16 bytes from the message digest generated. The algorithm generates the unpredictable number by using the seed value as a counter value in the random number generator, and performing a data encryption standard operation. In one exemplary embodiment, the unpredictable number is modified to a predetermined maximum unpredictable number value as determined by the sender and receiver of the unpredictable number.

Abstract: Disclosed are systems and methods for establishing a personal identification number (PIN). The systems and methods provide techniques to begin a remote session with a customer, prompt the customer to select a PIN to associate with a financial account card during the remote session, and receive the PIN from the customer during the remote session.

Abstract: An acquirer communicates with an intermediary transaction processing service to handle financial transaction requests received from multiple points of purchase. The acquirer receives an initial authorization request generated based on a transaction initiated by a customer at a point of purchase. The initial authorization request includes unique identifying information associated with the customer. The acquirer determines that the unique identifying information is associated with the intermediary service and provides at least part of the initial authorization request to the intermediary service. In response, the intermediary service provides account information to the acquirer. The acquirer then generates a modified authorization request based on the initial authorization request and the received account information and transmits the modified authorization to an issuing institution to request approval of the transaction.

Abstract: Electronic currency consists of data in a form suitable to be stored in a user's data storage medium, comprising information on the data value, identification of each specific set of data or data point, and authentication information suitable to verify that said data has been generated by a specific Currency Issuing Authority (CIA). A method and a system for effecting currency transactions between two users over the Internet or other communication network are also described.

Abstract: A system and method for replenishing prepaid account balances is disclosed. Consumers are issued a prepaid account card similar to a credit card. Funds are added to prepaid accounts at retail locations by providing cash or equivalent to a clerk along with the prepaid account card. The clerk swipes the prepaid account card in an authorization terminal and rings up the transaction in a manner similar to a normal credit card transaction. The transaction is transmitted to a bank which processes the transaction and notifies a replenishment system that the customer has added value to the prepaid account. The replenishment system provides the customer with a confirmation number associated with the transaction. The replenishment system notifies a prepaid engine for the prepaid account. The prepaid engine updates the user's prepaid account balance, thereby making funds available for future purchases by the user.

Abstract: The present invention relates to a system and method for printing labels on-demand in a manufacturing environment. During initialization, an association is made between a part being manufactured and the work station in which the part is made. The association is stored in a computer application. When a user desires to print a label, the user simply presses a user input device which generates a print request. The print request is interrogated to determine which user input device originated the print request. An indicator may be presented to the operator indicating that a valid print request was received by the data storage device. The computer application searches for information related to the user input device that originated the print request. The data storage device transmits information from the computer application for printing to the associated printer.

Abstract: Electronic currency consists of data in a form suitable to be stored in a user's data storage medium, comprising information on the data value, identification of each specific set of data or data point, and authentication information suitable to verify that said data has been generated by a specific Currency Issuing Authority (CIA). A method and a system for effecting currency transactions between two users over the Internet or other communication network are also described.

Abstract: Disclosed herein is a financial card system. The system includes a communications device on which a non-contact integrated circuit chip is installed; and an authentication terminal having a reader/writer allowing reading/writing information on the communications device and capable of transmission and reception of information with the communications device through the reader/writer. The communications device has a storage block, a common area information transmission block, and an individual area information transmission block. The reader/writer of the authentication terminal has a storage block, a common area information reception block, and an individual area information reception block.

Abstract: An improved interactive network system is provided that allows the Network Operator to control the transfer of information to and from the network end users, the system preferably using triggers or markers embedded within the programming broadcast to users via the network. As a consequence of this system, the Network Operator is able to efficiently garner revenues from third parties transacting business over the network and to control the look and feel of programming offered to network users. Additionally the system can be used as a means of limiting network access, filtering programming, providing on-screen graphics or audible signals for particular programming types or providers, bookmarking programming, profiling network users, targeting advertising, and simplifying network transactions.

Abstract: Systems, methods, and technologies for configuring a conventional smart card and a client machine, and for performing a smart card authorization using the configured smart card and client. Further, the combination of methods provides for mutual authentication—authentication of the client to the user, and authentication of the user to the client. The authentication methods include presenting a specified token to the user sufficient to authenticate the client to the user and thus protect the user-provided PIN. Security is strengthened by using an integrity key based on approved client system configurations. Security is further strengthened by calculating a PIN? value based on a user-specified PIN and a modifier and using the PIN? value for unlocking the smart card.

Abstract: A cash dispensing automated banking machine that operates in response to data read from user cards includes a cash dispenser, keypad, and a card reader. The card reader is operative to read data bearing records such as user cards that include financial account information. The machine may include an encrypting pin pad (EPP) that is operative to remotely receive an encrypted terminal master key from a host banking system. The machine may authenticate and decrypt the terminal master key prior to accepting the terminal master key using a public key of a certificate authority. The machine may further receive and authenticate a new public for a new certificate authority for use with authenticating further terminal master keys.

Abstract: A transaction network contains a networked certificate authority, by which one or more virtual certificates may be remotely defined and stored, such as by an issuer user through a issuer web portal interface. An acquirer user, through an acquirer web portal interface, may acquire one or more virtual certificates, which contain a secret public key portion, as well as a corresponding private key, which is established by the acquirer at the time of acquisition, and is stored at the certificate authority. At a redemption location associated with an acquired certificate, the acquirer (or an alternate recipient of an acquired certificate to whom the acquirer has communicated the established private key), submits the certificate information, along with the established private key, to redeem the certificate.

Abstract: A system and method for buying goods and billing agency using short message service are disclosed. If a purchaser transmits goods information to a mobile communication service system using short message service of a mobile phone, the mobile communication service system generates a certification code corresponding to the goods information and transmits it to a shopping mall server and the mobile phone. Then, the shopping mall server and the mobile phone exchange messages and run mutual authentication. Thereby, system construction expense for selling goods and service is decreased, purchasing procedure is simple, and the safe purchase can be done by mutual authentication using the certification code.

Abstract: Various methods and systems for providing a reliable verification of a player at a remote gaming terminal are disclosed. This is done by providing gaming events remotely via a first mode of communication, establishing criteria for verifying the identity of a player, receiving a player request to participate in a gaming event remotely, obtaining personal information for that player via a second mode of communication, verifying that the obtained personal information is adequate, and permitting the requested gaming event to commence. Additional features can include a subsequent repetition of the steps of obtaining and verifying personal information, and permitting the gaming event to commence or continue. Personal information can include pictures and/or the geographic location of the player. A cellular telephone can be used to take pictures and determine the geographic location of the player, and both of these items can be transmitted via a cellular telephone call.

Abstract: A secure terminal comprises: primary means consisting of processing means, data and program storage means, security means and data input means, wherein the components of the primary means are interconnected by a first data bus; peripheral means consisting of printing means, means for reading from/writing to a card and means for accessing a telecommunications network, wherein the components of the peripheral means are interconnected by a second data bus; and power supply means connected to the primary and peripheral means. The primary means arc grouped in a main housing that cannot be dismantled without damaging at least one of the components of the primary means, and the peripheral means are grouped in at least one housing capable of being connected to the main housing.

Abstract: Embodiments of the present invention provide a method and system for authentication. In one embodiment, a first identifier associated with an item to be authenticated may be received. A first decryption key associated with the item may also be received. The first identifier may be decrypted using the first decryption key to generate a second identifier. The contents of an authentication database may be searched to find a match for the second identifier. If a match for the second identifier is found in the authentication database, the item may be confirmed as authentic. In embodiments of the present invention, the item may be a lottery ticket, a document, a receipt, a ticket, a credit card, etc.

Abstract: Electronic currency consists of data in a form suitable to be stored in a user's data storage medium, comprising information on the data value, identification of each specific set of data or data point, and authentication information suitable to verify that said data has been generated by a specific Currency Issuing Authority (CIA). A method and a system for effecting currency transactions between two users over the Internet or other communication network are also described.

Abstract: The present invention relates to a method of enabling a computer network transaction for a product being purchased by a buyer from a seller by generating a once-only transaction feature associated with the transaction, by providing the transaction identification feature to a transaction acquirer, together with a buyer identification feature which identifies the buyer to the transaction acquirer, and by providing the once-only identification feature to the seller, such that the seller may provide the transaction identification feature to the transaction acquirer and the transaction acquirer can match the transaction identification feature received from the seller with the transaction identification feature they have been provided with and, if they match, can enable settlement of the transaction.

Abstract: A self-service terminal (10) comprising a plurality of components associated with a valuable media, such as a card reader (28) or cash dispenser (30). Each component includes or is associated with one or more sensors for detecting potentially fraudulent activity and a component agent (34) for generating a warning signal in the event that such activity is detected. Also provided is a higher level agent (38) that is operable to receive warning signals from the component agents (34), and use the received signals to identify potentially fraudulent activity. By providing a hierarchy of fraud detection agents (34,38), the likelihood of a fraud being successfully detected is improved.

Abstract: A system and method for managing sponsorships by a sponsor, in which the party requesting the sponsorship requests to use content owned and protected by the sponsor, such as trademarks, logos, and copyrighted material. An embodiment of the method involves receiving, at a computer network site, a request for sponsorship from a requester and responding to the request by sending either an approval or a rejection. If an approval is sent, the method further involves providing the requestor with access to content of the sponsor through the site. As part of providing this access, the method can involve requiring the requestor to accept an agreement posted on the site. The method can also include monitoring the requestor's actual use of the content.

Abstract: An exchange system for intangible goods comprises a first user system, a second user system, a registry system, a clearinghouse system and a hash module coupled for communication with each other. The first and second user systems includes a content module for acting as a repository for intangible goods, a pricing module for setting the price of intangible goods, a transaction generator module for creating transactions between seller and buyer, and a transaction log module for recording any transaction in which the user system participates. These systems are used to consummate transactions with other users for exchanging intangible goods. As part of each transaction, the user and the transaction must be entered or registered in the registry system. The registry system comprises an account module and a transaction log module for maintaining the anonymity of the sellers and buyers.

Abstract: Electronic means of payment require specific procedures concerning the use thereof as well as set security features. Disclosed is a means of payment allowing the user to add individual security features, comprising the use of specific devices that are available to the user, the purchasing procedure, and additional general conditions pertaining to purchasing goods and services. The electronic means of payment can combine existing payment systems by making the payment systems selectable and allowing individual security features to be adjusted. The popular credit card can become far more secure when purchasing goods and services by combining the credit card with devices providing increased security, for a mobile phone, and adequate general conditions. The user of the means of payment can make payments in an individual manner according to the individual merchandise or service that he/she would like to purchase.

Abstract: A method of securely receiving data on a user's system from a web broadcast infrastructure with a plurality of channels. The method comprising receiving promotional metadata from a first web broadcast channel, the promotional metadata related to data available for reception; assembling at least part of the promotional metadata into a promotional offering for review by a user; selecting by a user, data to be received related to the promotional metadata; receiving data from a second web broadcast channel, the data selected from the promotional metadata, and wherein the data has been previously encrypted using a first encrypting key; and receiving the first decrypting key via a computer readable medium, the first decrypting key for decrypting at least some of the data received via the second web broadcast channel. In another embodiment, a method and system to transmit data securely from a web broadcast center is disclosed.

Abstract: A method and a device for carrying out electronic transactions. A sender produces, under his own full control, a transaction message in a smart card (1) and provides the message with his digital signature in the card for subsequent output and transmission.

Abstract: The object of the present invention is intended to solve the problem of the broadcasting of conditional access data where certain parts must be accessible either for technical reasons or for commercial reasons.

Abstract: A method and device for fingerprint identification implementing precise identification at a high speed by using partial images of a fingerprint obtained through relative movements of a finger to a small sized sensor are provided. The device includes a frame input unit for inputting a partial image of a fingerprint. A registered image optimum position calculating unit compares the partial image to a registered fingerprint and an image combining unit creates a composite of the partial images using the optimum position. A fingerprint collating unit judges the similarity between the composite image and registered fingerprint to determine the correlation between the partial images and the registered fingerprint.

Abstract: A cryptographic device comprises a data stream interceptor, a main controller receiving input from the data stream interceptor, and a pair of data generating and storage controllers adapted to perform data transfer protocols with corresponding peer controllers of a data generating device and a data storage device, respectively, on command from the main controller. The cryptographic device further comprises a cipher engine programmed to transparently encrypt and decrypt data streams flowing between the data generating device and data storage device on command from the main controller. The cryptographic device does not utilize system resources associated with the data generating and storage devices during operation.