Specific Identifier* (e.g., Bank Card) Patents (Class 902/25)
  • Patent number: 8540146
    Abstract: An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is also operative to receive secure communications from a host system that are operative to enable the automated banking machine to carry out banking transactions in response to an input of a personal identification number.
    Type: Grant
    Filed: January 14, 2013
    Date of Patent: September 24, 2013
    Assignee: Diebold, Incorporated
    Inventors: Mark D. Smith, Anne Konecny, Timothy Zajkowski
  • Patent number: 8523057
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Grant
    Filed: December 10, 2012
    Date of Patent: September 3, 2013
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David Weis
  • Patent number: 8517262
    Abstract: An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is also operative to receive secure communications from a host system that are operative to enable the automated banking machine to carry out banking transactions in response to an input of a personal information number.
    Type: Grant
    Filed: December 19, 2012
    Date of Patent: August 27, 2013
    Assignee: Diebold, Incorporated
    Inventors: Mark D. Smith, Anne Konecny, Timothy Zajkowski
  • Patent number: 8471685
    Abstract: A non-contact IC card system includes a non-contact IC card having a display element and an IC card reader/writer communicating with the non-contact IC card. The IC card reader/writer disables detection of a load modulated signal from the non-contact IC card when the non-contact IC card displays data on the display element.
    Type: Grant
    Filed: December 8, 2010
    Date of Patent: June 25, 2013
    Assignee: Fujitsu Limited
    Inventor: Tomohisa Shingai
  • Patent number: 8423475
    Abstract: Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other.
    Type: Grant
    Filed: July 13, 2011
    Date of Patent: April 16, 2013
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred Bishop, Peter D. Saunders
  • Patent number: 8401974
    Abstract: A method, system, GUI, apparatus, and computer readable media for enabling a customer to access to a media file uploaded by a user are provided. A user profile may be generated using received login and profile information. The user profile may be hosted on, for example, a web site, SMS/MMS gateway, and a WAP site. A media file may be received from the user and may be upload to the user profile. The media file may be associated with a user account. A request to access the media file may be received from a customer. An account associated with the customer may be updated to indicate their requested access to the media file. The customer may then be enabled to access the media file. The user's account may be updated to indicate the transaction.
    Type: Grant
    Filed: April 2, 2009
    Date of Patent: March 19, 2013
    Assignee: Clear Channel Management Services, Inc.
    Inventors: Chris Phenner, Lasse Hamre, Mike Park
  • Patent number: 8346671
    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.
    Type: Grant
    Filed: April 1, 2010
    Date of Patent: January 1, 2013
    Assignee: Merchant Link, LLC
    Inventors: Susan Zloth, Daniel Lane, Benjamin Smyth
  • Patent number: 8328086
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Grant
    Filed: June 25, 2012
    Date of Patent: December 11, 2012
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David Weis
  • Patent number: 8301300
    Abstract: A smart card personalization system maintains a database containing card issuer data format templates, card applications, card operating system commands, and personalization equipment specifications and provides a centralized interface of inputs and outputs to a card issuing process which dynamically adjusts to changes in the issuing process to easily permit a card issuer to change data formats, card applications, card operating systems and/or personalization equipment in a card issuing process. The system interfaces to any card issuer management system, manages the transfer of cardholder data and card applications to the particular personalization equipment used, and maintains statistics for real-time and off-line inquiries to support critical management and reporting functions. Furthermore, the system works with a variety of security methodologies to prevent fraud.
    Type: Grant
    Filed: October 12, 1999
    Date of Patent: October 30, 2012
    Assignee: Card Technology Corporation
    Inventors: David R. Tushie, William W. Haeuser
  • Patent number: 8229859
    Abstract: Systems and methods are provided for utilizing a digital coin. A bit string is received. The number of bits in the bit string represents a coin value of the digital coin. The individual bit values of the bits of the bit string are used to determine an identity of the digital coin. The identity of the digital coin is validated by a node of an authentication hierarchy. The validation includes comparing bit values of at least a portion of the bits of the bit string to bit values of corresponding bits of known bit strings that represent known issued digital coins. The validation also includes checking that a matching known issued digital coin was not previously redeemed. A digital coin can also be split into multiple digital coins that are each a continuous sequence of bits of the bit string of the original digital coin.
    Type: Grant
    Filed: April 15, 2008
    Date of Patent: July 24, 2012
    Inventor: Gideon Samid
  • Patent number: 8199913
    Abstract: An authenticatable object comprises a surface having a latent hidden image embossed therein. The latent image is an encoded version of an authentication image and comprises a plurality of elements applied to the surface with a predetermined frequency. The latent hidden image is configured for optical decoding by a decoder having a decoder frequency corresponding to the predetermined frequency.
    Type: Grant
    Filed: March 10, 2006
    Date of Patent: June 12, 2012
    Assignee: Graphic Security Systems Corp.
    Inventors: Alfred V. Alasia, Alfred J. Alasia, Thomas C. Alasia
  • Patent number: 8181859
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Grant
    Filed: December 29, 2011
    Date of Patent: May 22, 2012
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David W. Weis
  • Patent number: 8172136
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Grant
    Filed: October 18, 2011
    Date of Patent: May 8, 2012
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David Weis
  • Patent number: 8042734
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Grant
    Filed: February 17, 2011
    Date of Patent: October 25, 2011
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David Weis
  • Patent number: 7996326
    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.
    Type: Grant
    Filed: June 27, 2007
    Date of Patent: August 9, 2011
    Assignee: Felica Networks, Inc.
    Inventors: Toshiya Kurasaki, Hideaki Kihara
  • Patent number: 7988039
    Abstract: A card activated cash dispensing automated banking machine is provided which is operative to authenticate firmware in at least one hardware device of the machine. The hardware device is operative to generate through operation of at least one processor in the at least one hardware device a firmware certificate responsive to the at least one measurement request message and the firmware content. The automated banking machine is operative to send a message from the automated banking machine to a host banking system responsive to the firmware certificate. The host banking machine may authenticate the message and send the automated banking machine an authorization message for performing a transaction function with the automated banking machine. Such a transaction function may include dispensing cash with a cash dispenser of the automated banking machine.
    Type: Grant
    Filed: December 17, 2007
    Date of Patent: August 2, 2011
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Erich Muschellack, Marcelo Soares de Castro, Luiz Alexandre Lopez de Oliveira
  • Patent number: 7892371
    Abstract: Transaction cards are provided wherein the foldable transaction cards have internal hinge material disposed within the foldable transaction card and fold lines for folding the transaction cards. In addition, foldable transaction card systems are provided, whereby transaction cards, having the internal hinge material, are provided within housings, cases or carriers. Moreover, methods of making foldable transaction cards are provided.
    Type: Grant
    Filed: April 14, 2008
    Date of Patent: February 22, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Priscilla Gandel, Ellen Lasch, Lisa Ann Morrill Webb
  • Patent number: 7891555
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with a server address, where a document is located. The document includes machine instructions for displaying a customer interface uniquely associated with the particular banking institution where the user holds the account. The customer interface includes user-selectable transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed to the user when the user operates automated banking machines of other banks.
    Type: Grant
    Filed: September 30, 2009
    Date of Patent: February 22, 2011
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David W. Weis
  • Patent number: 7871013
    Abstract: A transaction product includes a support member, an electrical circuit, a button and an account identifier. The support member at least partially depicts a measurement device. The electrical circuit is coupled to the support member, and the button is in communication with the electrical circuit such that user interaction with the button activates the electrical circuit causing the electrical circuit to automatically indicate a reading of the measurement device. The account identifier links the transaction product to an account or record and is machine readable. Other cards, products, assemblies and methods of using such cards, products and assemblies are also disclosed.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: January 18, 2011
    Assignee: Target Brands, Inc.
    Inventors: Greta Schumann, Timothy Schumann, Timothy P. Clegg, Primoz Samardzija
  • Patent number: 7805376
    Abstract: A system, method, apparatus, means, and computer program code for conducting a transaction include identifying information defining a transaction including at least a transaction amount, identifying an account identifier to associate with the transaction, and establishing a pre-authorization record associated with the account identifier, the pre-authorization record including an authorization restriction based on the transaction amount.
    Type: Grant
    Filed: March 19, 2003
    Date of Patent: September 28, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: Michael S. Smith
  • Patent number: 7631812
    Abstract: A transaction card system comprising a foldable transaction card and a foldable housing is disclosed. The foldable transaction card has a folded state and an unfolded state. The foldable housing for housing the foldable transaction card when the foldable transaction card is in a folded state, wherein the foldable housing further comprises a hinge for folding and closing the housing, wherein the second section of the foldable transaction card unfolds outside the housing when the housing is opened.
    Type: Grant
    Filed: May 23, 2008
    Date of Patent: December 15, 2009
    Inventors: Troy P. Williams, Peter A. Vaughn, Lisa Ann Morrill Web
  • Patent number: 7593886
    Abstract: A system and method are disclosed for managing collateral allocation and substitution in general collateral repurchase agreements. In a preferred embodiment, an intermediary computer system facilitates the execution of anonymous general collateral repurchase agreements between buyers and sellers. The intermediary system manages initial collateral allocations and substitutions in accordance with systematic and impartial rules.
    Type: Grant
    Filed: July 30, 2003
    Date of Patent: September 22, 2009
    Assignee: ICAP Services North America LLC
    Inventors: David Fitzpatrick, William G Riggio
  • Patent number: 7533828
    Abstract: Electronic Credit Card (ECC) is an electronic device that enables transmission/reception of data and/or digital information to/from a host computer via a Terminal Station (TS). TS includes Teller Machines in supermarkets/shopping complex, Automatic Teller Machines (ATM), EFTPOS devices and proprietary transceiver devices developed by Creative On-Line Technologies Limited for PC interface. It provides latest financial information including balances on its display unit. Keypads (1) enable PIN (personal identification number) entries so that an ECC is operational. Information Display Unit (2) including an LCD (liquid crystal display) screen or other display screens provides visual information. ENTER key (3) confirms a transaction. It is also used to activate an ECC when a PIN is keyed. Audio Transducer (4) confirms entries made on keypads (1). Audio Transducer is also used to activate a financial transaction via a telephone.
    Type: Grant
    Filed: August 28, 2007
    Date of Patent: May 19, 2009
    Inventor: Yong Kin (Michael) Ong
  • Patent number: 7526449
    Abstract: A system is provided for facilitating computerized transactions. The system comprises an optically encoded personal information carrier. The carrier comprising a card readable in a CD-ROM drive. The card comprises optically encoded personal information related to a user, the personal information including an account number for one of a credit card and a debit card. A processing device comprises a CD-ROM drive for reading the optically encoded card, and a processor which may including browsing tools for allowing a user to view and select actions to be taken or items for purchase and transaction tools for allowing a user complete a selected transaction. Alternatively, the personal information carrier may include an optically encoded version of the browsing tools and the transaction tools.
    Type: Grant
    Filed: April 17, 2001
    Date of Patent: April 28, 2009
    Assignee: JPMorgan Chase Bank N.A.
    Inventor: George Blossom
  • Patent number: 7513435
    Abstract: A service providing system for improving convenience of users by quickly executing a membership registration process in a system in which plural shops and groups jointly administrate its members. In the system, an external reading/writing unit stores a write data table in which provider-side data is correlated with information notification level, a portable information terminal enables the user to select the information notification level in accordance to a control of a portable terminal-side application and writes user-side data correlated with the information notification level selected by the user in the notification data table and the information notification level selected by the user to a non-contact IC. The external reading/writing unit reads the user-side data and the information notification level out of the non-contact IC, stores the user-side data and writes the provider-side data correlated with the information notification level in the write data table to the non-contact IC.
    Type: Grant
    Filed: February 10, 2006
    Date of Patent: April 7, 2009
    Assignee: Techfirm Inc.
    Inventor: Kouji Koizumi
  • Patent number: 7503491
    Abstract: A “coil-on-a-chip” RFID tag having an rfid integrated circuit and an antenna contemporaneously formed on a substrate. The antenna is a helical multiple layer, multi-turn coil having an axis of revolution oriented at an angle, preferably ninety degrees, with respect to the major body plane of the rfid integrated circuit. The coil has a central opening with an annular core of magnetically permeable material. The RFID tag has an increased operating range over known ID tags.
    Type: Grant
    Filed: October 29, 2005
    Date of Patent: March 17, 2009
    Assignee: Magnex Corporation
    Inventors: Shengbo Zhu, Su Shiong Huang
  • Patent number: 7448537
    Abstract: A method of purchasing goods or services with use of a bank card. The bank card is issued to consumers as a means of identifying the consumers and for extending credit to the consumers for the purchase of goods or services. A database is established of those consumers which hold the bank cards and at least one consumer is chosen from the database as the recipient of a prize.
    Type: Grant
    Filed: August 16, 2005
    Date of Patent: November 11, 2008
    Inventor: Richard E. Carnation
  • Patent number: 7437329
    Abstract: The present invention discloses systems and methods for activating and redeeming prepaid media download cards and devices. Methods for activating prepaid media download cards may comprise storing at a central processor a media download card identifier identifying a specific prepaid media download card, inputting the prepaid media download card identifier at a merchant terminal during a purchase of the prepaid media download card, receiving at a central processor a prepaid media download card activation request, determining whether to authorize activation of the prepaid media download card based on the media download card identifier, and activating the prepaid media download card in response to a determination to authorize activation of the prepaid media download card.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: October 14, 2008
    Assignee: e2Interactive, Inc.
    Inventor: Phillip Craig Graves
  • Patent number: 7398248
    Abstract: A method, system, and computer program product for implementing a marketing application using a store card as a Reward Card, Rebate Card, Pre-paid Script Program Card, Incentive Card, and/or Gift Card, as well as a Frequent Shopper Card. A card provided in association with an initial credit is also associated with an identification and account stored in a computer database memory, and the identification in the card enables the retailer to subsequently allow the consumer to use the card for additional computer based marketing, debit, and credit activity.
    Type: Grant
    Filed: February 8, 2002
    Date of Patent: July 8, 2008
    Assignee: Catalina Marketing Corporation
    Inventors: Steve Phillips, Joe Rice, Linda Mabrey, Colleen Donahue, Laurie Feegel, Jennifer Lee-Emmons, John Bastone, Katherine J. Perron
  • Patent number: 7383989
    Abstract: Transaction cards having one or more folds therein to provide compact and easily stored transaction cards are provided. Moreover, foldable transaction cards are provided having one or more holes or apertures therein for holding key chains, or other devices for attaching the transaction cards to other items, such as sets of keys, wallets, or other items. Other embodiments include spring-loaded clips on the foldable transaction cards and protective sleeves, housings or cases for full-sized and smaller-sized cards. Still further, transaction card systems are provided comprising a case or housing for holding and/or storing foldable transaction cards therein.
    Type: Grant
    Filed: November 27, 2006
    Date of Patent: June 10, 2008
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Ellen Lasch, Lisa Ann Morrill Webb, Priscilla Gandel
  • Patent number: 7377443
    Abstract: The present invention relates to a process for producing an opaque, transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.
    Type: Grant
    Filed: March 21, 2003
    Date of Patent: May 27, 2008
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Ellen Lasch, Lisa Webb, Judy Vigiletti, William J. Faenza, Jr.
  • Patent number: 7207060
    Abstract: Method, system and computer program product for secure ticketing in a communications device. In particular, the method, system and computer program product utilizes cryptography and an external, read-write security element to securely transmit and store critical data utilized by users of a communications device. Using the present invention, third-parties can prevent the fraudulent use of third-party services without detection.
    Type: Grant
    Filed: January 22, 2002
    Date of Patent: April 17, 2007
    Assignee: Nokia Corporation
    Inventors: Olli Immonen, Nadarajah Asokan, Panu S. Markkanen
  • Patent number: 7184856
    Abstract: A smart card personalization system maintains a database containing card issuer data format templates, card applications, card operating system commands, and personalization equipment specifications and provides a centralized interface of inputs and outputs to a card issuing process which dynamically adjusts to changes in the issuing process to easily permit a card issuer to change data formats, card applications, card operating systems and/or personalization equipment in a card issuing process. The system interfaces to any card issuer management system, manages the transfer of cardholder data and card applications to the particular personalization equipment used, and maintains statistics for real-time and off-line inquiries to support critical management and reporting functions. Furthermore, the system works with a variety of security methodologies to prevent fraud.
    Type: Grant
    Filed: October 12, 1999
    Date of Patent: February 27, 2007
    Assignee: Card Technology Corporation
    Inventors: David R. Tushie, William W. Haeuser
  • Patent number: 7168616
    Abstract: A method of purchasing goods and services in combination with a gaming feature is described. Consumers are provided with a bank card, which is used to identify consumers, extend credit to them and communicate purchasing data to a centralized location. A pool of funds is established in relationship to the use of the bank card by consumers. Periodically, a lottery is conducted for distributing prizes to consumers by distributing proceeds from the pool of funds.
    Type: Grant
    Filed: March 24, 2005
    Date of Patent: January 30, 2007
    Inventor: Richard E. Carnation
  • Patent number: 7028193
    Abstract: The present invention relates to determining the validity of a transaction of a data processing system such as the validity of a financial transaction carried out at an automatic teller machine (10) which has a magnetic card reader. In addition to the entry of a PIN, a user of the system is requested to enter personal information that has been nominated by the user and may consist of a date of birth and a telephone number. A keypad (16) allows the user to enter the PIN. The user is also requested to enter digits from the personal information to be checked against stored security data so that the level of security can be enhanced. A data processing unit of the system is programmed to cause further requests for digits from the personal information in the event that errors are made in the data entry.
    Type: Grant
    Filed: February 9, 1998
    Date of Patent: April 11, 2006
    Assignee: NCR Corporation
    Inventors: Robin John Slater, Kenneth J. Peters
  • Patent number: 6986465
    Abstract: A financial transaction card is transparent or translucent to human viewing yet detectable by automated card processing equipment. The card includes a substantially planar material sheet having upper and lower surfaces bounded by a continuous peripheral edge. The material sheet has one or more areas that are at least minimally transparent or translucent to human viewing. A filter associated with at least one of the areas provides sufficient opacity to light used by card sensors in the automated card processing equipment to render the card detectable.
    Type: Grant
    Filed: December 15, 2003
    Date of Patent: January 17, 2006
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: John H. Kiekhaefer
  • Patent number: 6938013
    Abstract: A technique for transferring money between a customer and a beneficiary comprises a money-transfer company, and a plurality of selling agents and paying agents. The money-transfer company maintains a server, a database, and a communications interface for communicating, via a telephone network and/or the Internet, with data terminals located at the selling and paying agents' sites. Customer transaction cards are distributed to customers. These cards have a visible card number and a corresponding alphanumeric card code stored in, e.g., a magnetic strip. In response to a customer's request, the money-transfer company activates the customer's transaction card by loading customer and beneficiary information into a corresponding transaction card record stored in the database. A selling agent initiates a money-transfer request from a data terminal. Specifically, the selling agent enters a monetary amount and swipes the customer's card in a magnetic strip reader located on the data terminal.
    Type: Grant
    Filed: August 9, 2000
    Date of Patent: August 30, 2005
    Assignee: Uniteller Financial Services, Inc.
    Inventor: Luis Eduardo Gutierrez-Sheris
  • Patent number: 6902115
    Abstract: The invention relates to a portable data carrier having a display device. This data carrier contains a microprocessor and storage devices associated with the microprocessor as well as means for displaying data stored in the storage devices associated with the microprocessor. In addition, the data carrier contains a display controller for controlling the display means and an energy supply unit for supplying at least the display unit and its controller with energy. Such a data carrier is to be improved so as to reduce the energy demand for the display unit. This is obtained by a nonvolatile memory disposed separately from the microprocessor and its storage device, said memory being associated with the controller of the display means and containing the data intended for display.
    Type: Grant
    Filed: July 16, 2001
    Date of Patent: June 7, 2005
    Assignee: Giesecke & Devrient GmbH
    Inventors: Hans Graf, Arno Hohmann
  • Patent number: 6902116
    Abstract: Financial transaction and similar cards are fabricated with a split core adapted to received embedded electronic circuitry. The card core has two or more laminated layers. The cavity is milled into one or more of the layers to receive the electronic circuitry. The core layers are then laminated together, along with protective overlays. Alternative fabrication methods include co-extrusion and injection molding.
    Type: Grant
    Filed: November 20, 2002
    Date of Patent: June 7, 2005
    Assignee: Innovative Card Technologies, Inc.
    Inventor: Alan Finkelstein
  • Patent number: 6836554
    Abstract: Authentication methods are very important in several applications. Existing methods of authentication based on possessions or knowledge have several problems that can be overcome by using biometrics. Unfortunately biometrics-based authentication is unrevocable today and has many privacy concerns in users' minds. The proposed technique employs signal scrambling and morphing techniques to intentionally distort the original biometrics signal in a non-invertible fashion. If the security is compromised, the system can cancel a particular distortion and reacquire the signal with a new distortion function. This provides functionality as good as non-biometric authentication methods in terms of their power of revocation.
    Type: Grant
    Filed: June 16, 2000
    Date of Patent: December 28, 2004
    Assignee: International Business Machines Corporation
    Inventors: Rudolf Maarten Bolle, Jonathan H. Connell, Nalini K. Ratha
  • Patent number: 6786417
    Abstract: A memory card and apparatus used therewith. The memory card comprises a rectangular card body having terminals in the vicinity of one end and a storage device disposed in the card body for storing data. A switch on the card is operable to a state to prevent stored data from being erased; and a status signal representing the state of the switch is supplied to one or more of the terminals. The apparatus with which the card is used has mating terminals to receive the status signal. Depending upon the state of that status signal, the apparatus is selectively inhibited from writing data to the memory card or erasing data stored in the memory card.
    Type: Grant
    Filed: January 18, 2000
    Date of Patent: September 7, 2004
    Assignee: Sony Corporation
    Inventors: Yoshio Kondo, Toshiharu Kobayashi, Takumi Okaue, Akira Sassa
  • Patent number: 6732936
    Abstract: A financial transaction card is transparent or translucent to human viewing yet detectable by automated card processing equipment. The card includes a substantially planar material sheet having upper and lower surfaces bounded by a continuous peripheral edge. The material sheet has one or more areas that are at least minimally transparent or translucent to human viewing. A filter associated with at least one of the areas provides sufficient opacity to light used by card sensors in the automated card processing equipment to render the card detectable.
    Type: Grant
    Filed: September 29, 2000
    Date of Patent: May 11, 2004
    Assignee: Perfect Plastic Printing Corp.
    Inventor: John H. Kiekhaefer
  • Patent number: 6715672
    Abstract: A method and system for authorizing an electronic credit card transaction having enhanced measures for detecting fraudulent transactions. A user at a remote terminal attempting to conduct an electronic credit card transaction is prompted to input the user's name credit card information, address, and only a portion of the user's social security number. The information input by the user is retrieved and used for identification purposes. Initially, the input credit card information is submitted to an issuer of the user's credit card to determine whether the input credit card information is valid. A second independent database having a stored list of individuals is further accessed, wherein each of the individuals includes at least one associated address stored therewith.
    Type: Grant
    Filed: October 23, 2002
    Date of Patent: April 6, 2004
    Inventors: Donald Tetro, Edward Lipton, Andrew Sackheim
  • Patent number: 6705530
    Abstract: A financial transaction card is transparent or translucent to human viewing yet detectable by automated card processing equipment. The card includes a substantially planar material sheet having upper and lower surfaces bounded by a continuous peripheral edge. The material sheet has one or more areas that are at least minimally transparent or translucent to human viewing. A filter associated with at least one of the areas provides sufficient opacity to light used by card sensors in the automated card processing equipment to render the card detectable.
    Type: Grant
    Filed: January 10, 2003
    Date of Patent: March 16, 2004
    Assignee: Perfect Plastic Printing Corporation
    Inventor: John H. Kiekhaefer
  • Patent number: 6687350
    Abstract: A smart card reader and transaction system which uses the voice path of a switched telephone network to effect smart card transactions are described. The smart card reader may be used with either a regular telephone or an ADSI telephone. If the telephone is not a handsfree set, the smart card reader is preferably connected between the base set and the handset. If the telephone is a handsfree model, the card reader is positioned between the base set and the switched telephone network. A smart card application server controls the smart card reader and switches it between a user mode and a card communications mode. Most applications software resides on the application server so that the smart card reader is simple to construct and inexpensive to manufacture. The advantage is a simple, portable, inexpensive yet reliable system adapted to be owned and used by the general public.
    Type: Grant
    Filed: October 26, 1998
    Date of Patent: February 3, 2004
    Assignee: Bell Canada
    Inventors: Benoit Landry, Francois Dugre, Stephane Fortier
  • Patent number: 6616035
    Abstract: A method and a device of identification and authentication of a holder of a mobile electronic transaction device in an electronic transaction process between a transaction service provider and a transaction terminal in communication via a computer network. A transceiver is adapted for transmitting an identity of the device to the transaction terminal and receiving a challenge transaction identifier from the service provider via the transaction terminal. A data processing device is adapted for determining an authenticity of a user identification input by comparison with a reference user identification, and for performing a cryptographic transformation of the transaction identifier using a secret key only on the identification input being determined as authentic. The transceiver is also adapted for transmitting a response result of the cryptographic transformation to the service provider via the transaction terminal for validating the transaction.
    Type: Grant
    Filed: May 15, 2002
    Date of Patent: September 9, 2003
    Assignee: Cypak AB
    Inventors: Jakob Ehrensvärd, Stina Grip
  • Patent number: 6553346
    Abstract: A conditional purchase offer (CPO) management system for receiving and processing CPOs for packages of component goods or services. The package CPO management system preferably deconstructs an overall package CPO into component CPOs which are individually offered to sellers. If each component CPO of a given package CPO is accepted, the package CPO management system binds the buyer, on behalf of each of the accepting sellers, to purchase the entire package. An offer price for each component CPO is preferably calculated by initially determining the total market price of the package based on the market price of each individual component good or service within the package. The package CPO management system then calculates an offer price for each component CPO based on the total price offered by the buyer for the entire package (as adjusted by a reserved margin, if appropriate) multiplied by the ratio of the market price of the respective component CPO to the total market price of the package.
    Type: Grant
    Filed: September 4, 1997
    Date of Patent: April 22, 2003
    Assignee: priceline.com Incorporated
    Inventors: Jay S. Walker, Daniel E. Tedesco, Andrew S. Vanluchene, James A. Jorasch, T. Scott Case
  • Patent number: 6510983
    Abstract: The present invention discloses a system and method enabling value stored in an advanced technology memory on a transaction card to be utilized in a magnetic stripe transaction with the card. The invention provides a special transaction number that is encrypted and recorded on the magnetic stripe of the card. The special transaction number comprises the value to be transferred or transaction amount, a personal identification number (“PIN”), and an account number. The special transaction number is recorded in a non-discretionary data field. Further, an indicator character may also be recorded on the magnetic stripe to alert a host system of a financial institution of the existence of the special transaction number. Thus, the special transaction number is read during a magnetic stripe transaction and the value represented by the special transaction number may be utilized to perform the transaction.
    Type: Grant
    Filed: July 2, 1998
    Date of Patent: January 28, 2003
    Assignee: Citicorp Development Center, Inc.
    Inventors: Edward Horowitz, Joseph C. Kawan, Henry Lichstein
  • Patent number: RE43333
    Abstract: An identity card comprises an easy-to-use, more specifically card-shaped, information carrier provided with an electronically readable memory capable of digitally storing personal user data, including data concerning the user's physical features. The information carrier is installed in and can be removed from an input unit of a housing of comfortable dimensions. The housing has been provided with reading equipment which is capable of reading the personal data stored in the memory of the information carrier. Moreover, the housing has been provided with a screen for representing the data read.
    Type: Grant
    Filed: July 24, 1997
    Date of Patent: May 1, 2012
    Inventor: Robert Willem Van Der Valk
  • Patent number: RE44034
    Abstract: An identity card comprises an easy-to-use, more specifically card-shaped, information carrier provided with an electronically readable memory capable of digitally storing personal user data, including data concerning the user's physical features. The information carrier is installed in and can be removed from an input unit of a housing of comfortable dimensions. The housing has been provided with reading equipment which is capable of reading the personal data stored in the memory of the information carrier. Moreover, the housing has been provided with a screen for representing the data read.
    Type: Grant
    Filed: July 24, 1997
    Date of Patent: March 5, 2013
    Assignee: Chiptec International Ltd.
    Inventor: Robert Willem Van Der Valk