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Credit or identification card systems

Subclass of:

235 - Registers

235375000 - SYSTEMS CONTROLLED BY DATA BEARING RECORDS

Patent class list (only not empty are listed)

Deeper subclasses:

Class / Patent application numberDescriptionNumber of patent applications / Date published
235382000 Permitting access 154
235381000 With vending 48
Entries
DocumentTitleDate
20110174876TRANSACTION PRODUCT WITH HINGED PUZZLE SEGMENTS - A transaction product includes a plurality of puzzle segments, four skin components, and a machine-readable account identifier. The four skin components each couple and form a hinge between at least two of the plurality of puzzle segments such that the transaction product is configured to be successively folded about the plurality of hinges to undergo a closed chain of transformations from an initial configuration to a plurality of intermediate configurations and back to the initial configuration. The four skin components are each positioned on an external surface of the transaction product when the transaction product is in the initial configuration. The machine-readable account identifier is coupled to at least one of the puzzle segments and links the transaction product to an account or record for tracking a value associated with the transaction product.07-21-2011
20110198396CARD HOLDER DEVICE - A card storage device for storing payment cards, such as credit and debit cards or other media in an orderly fashion. The device may be used at a food and/or drink establishment. The device securely stores a number of cards for a number of patrons who wish to open a tab at a bar, pub, restaurant, or other service environment.08-18-2011
20090224034INFORMATION PROCESSING APPARATUS - According to one embodiment, an information processing apparatus includes a communication device which is provided in a casing and executes wireless communication with a non-contact type IC card, and a storing module which stores the non-contact type IC card, the storing module being provided at such a position that communication is enabled between the non-contact type IC card that is stored and the communication device.09-10-2009
20100019031Forged Card Discrimination System - A forged card discrimination system, an authenticity determination information writing device and a forged card discrimination device which can directly utilize an existing cash card or a credit card of a magnetic recording type and is preferable to prevent abuse of a forgery card with low cost are provided. A forged card discrimination system 01-28-2010
20100001063TRANSACTION OVERRIDE USING RADIO FREQUENCY IDENTIFICATION - A system for overriding retail transactions. In response to receiving an input to override a retail transaction, it is determined whether data on an RFID card has been read. The data is read by an RFID reader located on a POS device keyboard. In response to determining that the data has been read, a light emitting diode is used to indicate that the data has been read. Then, the data is sent to a central computer to validate that a user of the RFID card is authorized to perform the override. In response to receiving a validation result from the central computer, it is determined whether the user of the RFID card is authorized to perform the override. Then, in response to determining that the user of the RFID card is authorized to perform the override, the user of the RFID card is permitted to complete the retail transaction override.01-07-2010
20090020602METHOD FOR ESTABLISHING A SECURE LOGICAL CONNECTION BETWEEN AN INTEGRATED CIRCUIT CARD AND A MEMORY CARD THROUGH A TERMINAL EQUIPMENT - A user system includes terminal equipment, a removable integrated circuit card and a removable memory card configured to cooperate with the terminal equipment, a card link application provided in the integrated circuit card to establish and manage a secure logical connection between the integrated circuit card and the memory card through the terminal equipment, and an application programming interface provided in the terminal equipment to receive and execute commands from the card link application and to cooperate with the card link application to establish the secure logical connection between the integrated circuit card and the memory card through the first terminal equipment.01-22-2009
20100133335SYSTEM AND METHOD FOR MOBILE PAYMENT - A system and method for mobile payment. The system and method provide for a user of a mobile telephony device (MTD), having an affixed wireless identification tag, to make payments, and other similar financial transactions, by presenting the MTD at a point-of-sale (POS), or equivalent, and by providing a confirmation, including a personal identification number, to complete the financial transaction via a data communication infrastructure (e.g. Unstructured Supplementary Service Data (USSD)) supported by the MTD.06-03-2010
20130075469My Vacation Card - A system and method for using a smart card for selectively storing and accessing a plurality of travel related information and documents is provided. The system uses a smart card to store and selectively provide access to travel information. Further, the method allows a traveler to use a smart card to store and access travel documents and information throughout the duration of a trip or vacation.03-28-2013
20080257959Banking transaction processing system - Banking transaction processing apparatus and methods are disclosed. In one general aspect, a banking transaction processing method includes accessing a first authorization code from a first device, such as a credit card, and a second authorization code from a second device, such as a portable phone, at a merchant location, These codes are provided to an authorization module at the merchant location, and a relationship between the first and second authorization codes is evaluated. A transaction authorization indication can then be provided from the authorization module for an in-person transaction with the merchant.10-23-2008
20080257958TRANSACTION APPARATUS, SYSTEMS AND METHODS - Aspects and embodiments of the present invention relate to alternative kinds of transactions, which do not involve payment using only cash or a token device such as a smart card or chip and PIN card. In some embodiments, transactions involve a customer providing token-less transaction authentication information using customer interface means (10-23-2008
20080257957System and method for personalized e-commerce and information communications - A system allows consumers the ability to remotely transmit order and/or payment preference data to a vendor to facilitate sales transactions. A personal transmitter or key fob functions to transmit a signal to the vendor when the customer approaches the vendor, which signal comprises preferred order information for vendor processing. The vendor may acknowledge order receipt, generate the order, and automatically submit the transaction for payment through a secure connection. A web site acknowledges receipt of the payment request, retrieves specific transaction information for the target vendor, and processes the payments electronically. Customer information, vendor preferences and encrypted Customer payment specific pointers are downloaded to the personal transmitter on an ongoing basis and stored as encrypted data. If multiple vendors are within the proximity of the consumer, the transmitter will signal an error and list the vendors to the consumer, from which list the target vendor may be selected.10-23-2008
20080257956SYSTEM FOR FULFILLING PURCHASES - A purchase key is disclosed. A system that incorporates teachings of the present disclosure may include, for example, a purchase fulfillment device can have a storage medium to store a plurality of purchase fulfillment identifiers (IDs) issued by a corresponding plurality of credit providers, and a biometric reader to enable access to a point of sale (POS) device to retrieve at least one among the plurality of purchase fulfillment IDs in the storage medium. Additional embodiments are disclosed.10-23-2008
20110192898FITTING ROOM TERMINAL, JOB SUPPORTING SYSTEM, AND INFORMATION ACQUIRING METHOD - A display unit displays information in a fitting room. An operation input unit receives operation input of information in the fitting room. An RFID reader writer performs radio communication with an RFID tag, which is attached to a commodity and stores data of a commodity ID for identifying the commodity, and sets a radio communication range in the inside of the fitting room. A control unit that (i) acquires data of a commodity ID from an RFID tag attached to a commodity in the fitting room via the RFID reader writer, (ii) acquires, according to the acquisition of the data of the commodity ID, data of questionnaire information including a question and plural answers to the question from a questionnaire information file that stores the data of the questionnaire information, and (iii) causes the display unit to display the acquired questionnaire information, waits for selection of one or two or more answers, which are included in the questionnaire information displayed by the display unit, by operation input in the operation input unit, and causes a storage area to store the answers selected by the operation input in the operation input unit.08-11-2011
20110192897 METHOD FOR PAYMENT WHEN PARKING VEHICLES IN WHICH A CREDIT CARD IS USED FOR POST-PAYMENT - A payment method when parking vehicles in which a credit or debit card is used for post-payment, which system includes a number of parking machines provided with credit or debit card readers, which parking machines are connected to a supervisory computer system including a computer and a database, where a credit or debit card is read by the card reader at the commencement and termination of the parking period. The registration number of the vehicle is input into the parking machine by the person parking the vehicle, using elements associated with the parking machine, the number of the credit or debit card and the registration number are transferred to the computer and stored and associated with each other in the database, when the card is read at the commencement of a subsequent parking period and when the number of the credit card or debit card is received by the computer, the computer system retrieves at least the registration number with which the credit or debit card most recently associated in the database.08-11-2011
20110192896ELECTRONIC NAME CARD AND ELECTRONIC NAME CARD SYSTEM USING RADIO FREQUENCY OR MICROWAVE IDENTIFICATION - An electronic name card and an electronic name card system using radio frequency or microwave identification are disclosed. A chip in the electronic name card includes an identification code and a reserved memory block, and the identification code is used to store an identification data thereof, and the reserved memory block is used to store a user's information thereof. Therefore, the memory section of the chip can be used efficiently to achieve the identification function of the electronic name card. By using the electronic name card system, the user can utilize a reading device to read and store the information in an electronic form without scanning or transforming, and the manual input and amendment are not needed to achieve the electronic management for the name card.08-11-2011
20120175416Performing Social Networking Functions Using Matrix Codes - A matrix code reader may detect a matrix code (such as a QR code), which may be displayed along with content and include information identifying the content. The matrix code reader may obtain user information associated with a social networking service and, based at least on the content information and the user information, may transmit an instruction to the social networking service to perform a social networking service function. The matrix code reader may obtain the user information and/or the instruction to perform the social networking service function from information included in the matrix code, from a non-transitory storage medium of the matrix code reader, from a user, and so on. In some implementations, the matrix code reader may determine that additional information or a confirmation to transmit the instructions is needed and may prompt a user for the additional information or confirmation.07-12-2012
20100078473PERIPHERAL INCLUDING BIOMETRIC READER AND CARD READER - A peripheral including a biometric reader and a card reader which require less mounting space than separate devices. An example peripheral includes a magnetic stripe reader including a housing, and a fingerprint reader in the housing.04-01-2010
20130037611APPARATUS WITH SMARTCARD CIRCUITRY POWERED BY A MOBILE DEVICE - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.02-14-2013
20130037612INFORMATION PROVIDING SYSTEM, APPARATUS AND METHOD FOR INFORMATION PROCESSING, AND COMPUTER PROGRAM PRODUCT - An information providing system includes the following elements. An IC card stores card ID. An information providing terminal reads out the card ID of the IC card, provides information to the IC card, and transmits the card ID and the information provided to the IC card or the ID of the provided information to a management server. The management server receives the card ID and the information provided to the IC card or the provided information ID from the information providing terminal, has a database to manage the card ID and the provided information such that the card ID is associated with the provided information, acquires the information provided to the IC card from the database in response to an information request from a client terminal, and supplies the provided information to the client terminal. The client terminal displays the provided information supplied from the management server.02-14-2013
20130037610Real Time Balance On Card Plastic - A system, method and credit card configured to display a current card balance on the credit card. The credit card receives a balance request from a button on the card. After retrieving the current card balance encoded on the credit card, the card displays the current card balance. Remote terminals may be configured to support the real-time display of a balance on a credit card by writing the current balance to the card after a payment transaction has occurred.02-14-2013
20130037609Method, apparatus and system of unique, coded, visual identifiers that provide a point of contact between people for communication and exchange of information bridging non-virtual and virtual environments - The present invention comprises a method for anonymously relaying personal relationship status of single men or single women desirous of a relationship, as a signal or invitation for contact by potential suitors for matchmaking while facilitating a private, secure point of contact or communications between Client-Users and Prospect-Users. A unique coding system of Visual Identifiers of the present invention, recognizable however undecipherable outside of a private, paid membership, secure computer network facilitates a plurality of Client-User defined levels of communication or exchange of information ranging from denial of contact to electronic messaging, audio chat, video chat or face to face conversation with a potential suitor or Prospect-User in a non-virtual or virtual environment is provided. Further, the presence or display of the apparatus of the Client-User's unique, coded, anonymous, identifier itself in a non-virtual environment performs as a signal or invitation to Prospect-Users that a Client-User is receptive to potential electronic communication at various, individually or mutually defined levels within the domain of said private computer network. Further, the invention provides people a way to take an active role in matchmaking between a friend, family member, or associates by recognition of a Client-User's unique Visual Identifier code and then apprising a Prospect-User of that avenue of communication as a means for parties to contact with one another.02-14-2013
20130037608METHOD AND PROCESS FOR SYMBOLIC MARK DECODING - Apparatuses, systems and methods that operate to customize content or other information indicated by symbolic marks (such as, for example, QR codes and other types of barcodes).02-14-2013
20130037607Secure system for creating and validating personal identification cards with operator discretion - An identification card (ID card) creation and validation system where the ID card includes at least one unambiguous digital identifier together with additional information stored in predetermined data fields. Upon creation, the ID card is scanned to create and store a composite digital image in a central database on a secured server. On presentation by a user to a human operator-gatekeeper, the ID card is scanned and encoded and the encoded data sent to a central database where it is compared with the stored image information of that ID card to positively identify the user using the unambiguous digital information. If the user is positively identified, the encoded data is compared with the stored data to generate to identify and transmit any anomalies to the gatekeeper, thereby allowing the gatekeeper to exercise independent judgment in allowing or denying admission privileges to the presenter.02-14-2013
20100140348SYSTEM AND METHOD OF MULTIPLE SMART CARD DRIVER SUPPORT - By thoroughly investigating compatibility of a plurality of smart card drivers to applications available on a given smart card, a smart card framework module may be afforded additional flexibility in communications with the smart card. The additional flexibility is allowed by additional checking with a plurality of smart card drivers before communicating with the smart card, rather than simply using the first compatible smart card driver found. Furthermore, when employing an application available on the given smart card, a correct smart card driver is to be selected from among the plurality of smart card drivers.06-10-2010
20100140349SYSTEM, METHOD, AND COMPUTER SOFTWARE CODE FOR RE-USING A COIN IN A COIN-OPERATED SYSTEM OR APPARATUS - A system for re-using a coin in an apparatus that requires the coin to operate the apparatus, the system including a currency insertion device, an activation device configured to activate the apparatus once currency provided to the currency insertion device has been validated, a holding bin configured to hold at least one coin, and a collection device configured to capture the at least one coin when activation ceases. A method and computer software code, stored on a computer readable media and executable with a processor, are also disclosed.06-10-2010
20100163617IC-CARD HOLDING APPARATUS, DISPLAY METHOD,DATA PROVIDING SYSTEM, SERVER APPARATUS,AND DATA PROVIDING METHOD - An IC-card holding apparatus improving the availability, the convenience, and the usefulness of a non-contact IC card. The IC-card holding apparatus may communicate with a non-contact IC card held therein to read out information from the non-contact IC card and obtain the type of the non-contact IC card held therein and usage history information. The IC-card holding apparatus may display an image corresponding to the type of the non-contact IC card. The usage history may also be read out and displayed. For example, information (e.g., place name or shop name) about a position where the non-contact IC card has been used may be displayed and/or the use position may be presented on a map image.07-01-2010
20100163619CARD READER AND MOBILE PAYMENT TERMINAL - The present invention discloses a card reader and a mobile payment terminal. The card reader comprises an MCU which is connected to a single interface smart stage card and is configured to read data from the single interface smart stage card or write data in the single interface smart stage card; an NFC antenna which is connected to the MCU and is configured for performing data interchange between a contactless card reading terminal and the single interface smart stage card; and a DIU which is connected to the MCU and is configured to realize communication between the MCU and a communication terminal. In this way, by installing an NFC antenna, the single interface smart stage card in the card reader can interchange data with a contactless card reading terminal wirelessly without connecting to the DIU.07-01-2010
20090121014ELLIPTICAL POLARIZERS, TAGS AND IDENTIFICATION SYSTEMS USING FREQUENCY SELECTIVE SURFACES - An optical combination includes a substrate, a linear polarizer on the substrate, and a first frequency selective surface (FSS) based elliptical polarization filter on the linear polarizer. The first FSS comprises at least one periodic pattern of spaced apart electrically conductive lines having a sub-wavelength line-to-line spacing orientated along a first axis. The pattern is operable to impose a phase differential for one orthogonal linear polarization state relative to the other linear polarization state for electromagnetic radiation having a wavelength between 400 nm and 1 mm, such as 1 μm to 12 μm. An identification system and associated method for identifying objects includes at least one tag having encoded information attached to the surface of an object to be identified, wherein the tag includes a first FSS-based elliptical polarization filter which provides the encoding. A remotely located receiver including a second FSS-based elliptical polarization filter and a linear polarizer optically coupled to the second filter is operable for differentially attenuating the first and second orthogonal polarization states allowing a determination whether the intensity pattern corresponds to the encoded information.05-14-2009
20100044432Vehicle Operating Chip with Gas Price Variation Capability - A fuel dispensing system which sets the price for fuel to be dispensed based on the mileage/fuel consumption history of a vehicle for which fuel is being purchased. A key is used both to enable vehicle operation and to transfer mileage data to the dispenser computer.02-25-2010
20100044431 CARD CAPABLE OF AUTHENTICATION - It is possible to prevent use of a forged card. An authentication chip describing information which cannot be copied or difficult to be copied is attached to a card and a card processing device includes a card authentication processing device. The information described in the authentication chip is degitized and encrypted to obtain encrypted data, which is described on an authentication certifying chip. The authentication certifying chip is attached to the card. The authentication certifying chip checks the validity of the authentication chip. Before a specific operation such as entry of a password is started, it is judged whether the card is true so as to exclude a forged card.02-25-2010
20120205443Electronic Card - An electronic card ha a power source, a user selection mechanism operable to allow a user to select a customization variable for a single transaction, a processor for generating a transaction specific data packet that includes a card number and a customized number and an electronic communication device operable to cause the data packet to be read by a read head of a magnetic strip reader. The electronic communication device is operable to dynamically convey the transaction specific data packet to a read head of a magnetic card reader so that the transaction specific data packet is read by the read head. The transaction specific data packet is dynamically generated for use by the card for the single transaction of the card and the customized number is determined based upon the customization variable selected by the user selection mechanism.08-16-2012
20090159673SYSTEMS AND METHODS FOR PROGRAMMABLE PAYMENT CARDS AND DEVICES WITH LOYALTY-BASED PAYMENT APPLICATIONS - A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or the type of reward that a user would like to utilize to at least partially pay for a purchase.06-25-2009
20090283587CHARITABLE GIFT GIVING SYSTEM AND METHOD - Disclosed herein is a system for facilitating charitable gift giving including a card request interface configured to provide a charitable gift card to a requestor. The charitable gift card is tagged with identification information. The computerized system further includes a server comprising a payment interface configured to accept a payment and credit a value of money corresponding to the payment to the charitable gift card, wherein the payment interface is separate from the card interface, and a charity selection interface. The charity selection interface is configured to accept information related to the identification information, receive a selection of a donee charity and an amount to be paid using the identification information, pay the donee charity the amount to be paid, and deduct the amount to be paid from the amount credited to the charitable gift card. The system further includes a card storage database in operable communication with the server, the card storage database containing data related to the identification information, and an organization storage database in operable communication with the server, the organization storage database containing a list of selectable charitable organizations, the storage database accessible at least in part by a gift recipient.11-19-2009
20100096449CAUSE GIFT CARD PLATFORM FOR PROVIDING REDEMPTION OF FUNDS ACROSS MULTIPLE UNAFFILIATED ENTITIES - A cause gift card system allows for redemption of a gift card with one or more unaffiliated organizations—including both for-profit and not for-profit entities. The system automatically distributes any unredeemed funds to participating entities associated with the particular cause gift card type per defined business rules. The system provides for purchase of cause gift cards through retail merchants, websites, or other authorized sellers for either fixed denominations or variable amounts. The recipient can elect to direct the funds, in whole or in part, to one of a basket of pre-determined organizations that are specific to each cause gift card type, for example, environmental services, health and wellness, political actions, and more.04-22-2010
20090159672CARDS WITH SERIAL MAGNETIC EMULATORS - A card is provided, such as a credit card or security card, that may transmit information to a magnetic stripe reader via a magnetic emulator. The emulator may transmit the information serially in order to reduce the amount of circuitry needed to emulate a particular block of information. Additionally, for example, a serial encoder may send any amount of information through a single emulation segment. Such a magnetic emulator may be provided on a credit card. A dynamic credit card number may be provided by, for example, coding a number with a different coding scheme for different periods of time. The magnetic emulator may be utilized to transmit a particular coded number for a particular period of time. In this manner, a dynamic credit card number may be provided such that to help secure, and progress, a payment transaction.06-25-2009
20090159671CARDS AND DEVICES WITH MAGNETIC EMULATORS WITH ZONING CONTROL AND ADVANCED INTERIORS - A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable to act as a magnetic stripe read-head detector and a data transmitter. A multiple layer flexible PCB may be fabricated to include multiple magnetic emulators. An emulator may include a coil that includes magnetic, ferromagnetic, or ferromagnetic, material in the coil's interior. Coils may be associated with zones. As a read-head is detected to move from zone-to-zone, coils may be activated to transmit information in those zones.06-25-2009
20090159670CARDS AND DEVICES WITH MULTIFUNCTION MAGNETIC EMULATORS AND METHODS FOR USING THE SAME - A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable of communicating information to a magnetic stripe reader. Information used in validating a financial transaction is encrypted based on time such that a validating server requires receipt of the appropriate encrypted information for a period of time to validate a transaction for that period of time. Such dynamic information may be communicated using such an emulator such that a card may be swiped through a magnetic stripe reader—yet communicate different information based on time. An emulator may receive information as well as communicate information to a variety of receivers (e.g., an RFID receiver).06-25-2009
20090159666Contact-less tag with signature, and applications thereof - A method, comprising: obtaining a signature from a contactlessly readable tag; decrypting the signature with a key to obtain (i) a candidate identifier and (ii) a scrambling code associated with the signature; and validating the candidate identifier based on at least one of the scrambling code and the signature. Also, a system, comprising: at least one tag reader configured to receive a plurality of signatures released by a respective plurality of tags, including a particular signature released by a particular one of the tags, and to cause decryption of the particular signature with a key to obtain (i) a candidate identifier, and (ii) a scrambling code associated with the signature; and a processing entity configured to effect validation of the candidate identifier based on at least one of the scrambling code and the signature.06-25-2009
20090159665Reserve currency card - The Reserve Currency Card is a standard sized gift card type of instrument that is sold at the retail level to anybody wishing to have or give a gift of a money market savings or investment account with a designated major fiduciary. The purchaser would be able to buy the card in various denominations, such as $25, 50, 75, 100, or 200 dollars, earmark the funds for a selected account type (depending on the amount), and reserve that selected amount for allocation to a specific investment account, subject to the terms and rules of the fiduciary. The purchaser may then establish an investment account with the designated fiduciary or, alternatively, give the card as a gift for another person to establish the account in the recipient's name. The account holder may purchase additional cards as often as desired to add funds to the account.06-25-2009
20090159669CARDS WITH SERIAL MAGNETIC EMULATORS - A card is provided, such as a credit card or security card, that may transmit information to a magnetic stripe reader via a magnetic emulator. The emulator may transmit the information serially in order to reduce the amount of circuitry needed to emulate a particular block of information. Additionally, for example, a serial encoder may send any amount of information through a single emulation segment. Such a magnetic emulator may be provided on a credit card. A dynamic credit card number may be provided by, for example, coding a number with a different coding scheme for different periods of time. The magnetic emulator may be utilized to transmit a particular coded number for a particular period of time. In this manner, a dynamic credit card number may be provided such that to help secure, and progress, a payment transaction.06-25-2009
20090159668CARDS AND DEVICES WITH MULTIFUNCTION MAGNETIC EMULATORS AND METHODS FOR USING SAME - A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable of communicating information to a magnetic stripe reader. Information used in validating a financial transaction is encrypted based on time such that a validating server requires receipt of the appropriate encrypted information for a period of time to validate a transaction for that period of time. Such dynamic information may be communicated using such an emulator such that a card may be swiped through a magnetic stripe reader—yet communicate different information based on time. An emulator may receive information as well as communicate information to a variety of receivers (e.g., an RFID receiver).06-25-2009
20090159667CARDS WITH SERIAL MAGNETIC EMULATORS - A card is provided, such as a credit card or security card, that may transmit information to a magnetic stripe reader via a magnetic emulator. The emulator may transmit the information serially in order to reduce the amount of circuitry needed to emulate a particular block of information. Additionally, for example, a serial encoder may send any amount of information through a single emulation segment. Such a magnetic emulator may be provided on a credit card. A dynamic credit card number may be provided by, for example, coding a number with a different coding scheme for different periods of time. The magnetic emulator may be utilized to transmit a particular coded number for a particular period of time. In this manner, a dynamic credit card number may be provided such that to help secure, and progress, a payment transaction.06-25-2009
20100108758Method and System Using a Bitmap for Passing Contactless Payment Card Transaction Variables in Standardized Data Formats - An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures or tracks. The proximity payment card transaction data such a dynamic authentication codes are placed in unused space in the same standard formatted data structures. The availability of unused space varies with card issuer or vendor. An issuer-specific bitmap provides an index to the available space in discretionary data fields in magnetic stripe tracks. The bitmap also is stored in the card's discretionary data field.05-06-2010
20130026232METHODS AND SYSTEMS FOR PREVENTING CARD PAYMENT FRAUD AND RECEIVING PAYMENTS USING CODES AND MOBILE DEVICES - Provided are methods and systems for preventing card payment fraud and receiving payments using codes and mobile devices. To pay for a product, a new code payment card without visible digits may be created. A code associated with the code payment card may encode customer payment information and may be scanned by a merchant to receive payment for products. Upon scanning the code, it may be sent to a server. The server may then decode the code for retrieving customer payment information. Based on the customer payment information retrieved and product information stored on the server, purchase transaction may be processes. Based on the processing, a merchant may receive payment for products. The payment may be received from a customer account.01-31-2013
20130026229System or Method for Storing Credit on a Value Card or Cellular Phone Rather Than Accepting Coin Change - A system and method for receiving a value on or associated with a consumer card in lieu of actually receiving coin change. In particular embodiments, and RFID device or other card reader/writer device is connected either in place of, or parallel to, an electric coin dispenser on a Point-of-Sale (POS) terminal or cash register. Instead of receiving an odd amount of coin change after a purchase, the RFID device can augment a total value either stored on the card itself or in an account associated with the card. Alternatively a clerk can cause value to be added to a card equal to the amount that would have given as coin change. A consumer can redeem value up to the amount on the value card at participating stores as if it were a gift card. In one embodiment, a customer ID, total value and optionally a password or PIN can be stored on a smartcard usually in encrypted form. Alternatively, the card or telephone can simply present a barcode which relates to an account. The present invention can either be implemented to work with a particular merchant or merchant chain, or it can be implemented to work across a large number of participating merchants. The latter case usually requires a single remote value account accessible by all the participating merchants.01-31-2013
20130026231METHOD FOR ESTABLISHING A PROOF ELEMENT DURING THE CONTROL OF A PERSON WITH AN ELECTRONIC PERSONAL DOCUMENT - The invention relates to a method for establishing an element of proof when checking an individual using an electronic document. The check involves using a checking means to read at least one data item present in the electronic document. According to the invention, the method involves recording the read data item with at least one data item relating to the check, and signing the read data item and the data item relating to the check using a public key of the checked individual, the signed data items constituting the element of proof of the check.01-31-2013
20130026230BIOMETRIC IDENTIFICATION DEVICE WITH SMARTCARD CAPABILITIES - A smartcard-enabled BPID Security Device integrates a smartcard reader with a biometric authentication component to provide secured access to electronic systems. The device allows for an individual to insert a smartcard into an aperture in the physical enclosure of the BPID Security Device, allowing the smartcard and the BPID Security Device to electronically communicate with each other. The BPID Security Device is based on a custom application specific integrated circuit that incorporates smartcard terminals, such that the BPID Security Device can communicate directly with an inserted smartcard. In an alternative embodiment of the invention, the BPID Security Device is based on a commercial off-the-shelf microprocessor, and may communicate with a commercial off-the-shelf microprocessor smartcard receiver using a serial, USB, or other type of communication protocol. The device allows for enrolling a user's credentials onto the BPID Security Device and for authenticating an individual using the BPID Security Device.01-31-2013
20130082102VALET PARKING SYSTEM AND METHOD - A valet system including a valet computer communicatively linked to one or more hand-held interface devices. The interface devices allow a valet attendant to input a vehicle owner's/driver's text number, email address and/or vehicle make, model and color. The interface devices transmit acquired vehicle owner/driver and vehicle data to the valet computer which then transmits an electronic virtual valet ticket to the vehicle owner's/driver's smart phone. When the vehicle driver/owner desires to depart from the establishment, the driver/owner electronically replies to the text message and/or email. The driver's/owner's electronic reply is transmitted to the valet computer notifying a valet attendant to retrieve the vehicle identified by the electronic virtual number code (or other code). Before returning possession of the vehicle to the driver/owner, the valet attendant confirms that both the interface device and the driver's/owner's smart phone display the same electronic virtual number code.04-04-2013
20130082103Credit Card Transaction Methods Employing Wireless Terminal Location and Registered Purchasing Locations - A credit card transaction authorization method includes receiving information concerning a prospective remote credit card transaction with a credit card, obtaining location information from a wireless network provider for a wireless terminal that is associated with a cardholder of the credit card for the prospective credit card transaction, and correlating a location of the wireless terminal with a registered purchasing location associated with the user. Authorization information for the prospective credit card transaction may be generated in response to a result of the correlation of the location of the wireless terminal and the registered purchasing location.04-04-2013
20130048719PROXY CARD PROVIDING INDIRECT FUNDS ACCESS - A proxy card used at an ATM, or at any vendor store, that has a legacy point of sale unit or at a store with the smart point of sale. In general, it can be used with any vendor and otherwise as any credit or debit card might be used. The point-of sale unit interacts with a multi-source processing system (MSPS) that, instead of servicing a single money source, interacts with more than one of a plurality of monetary sources that may be associated with the proxy card. The money transferred from credit or debit accounts of the user may be either transferred directly or indirectly via a proxy central account associated with the MSPS that a user maintains.02-28-2013
20130087611SYSTEM FOR PROVIDING IDENTIFICATION AND INFORMATION, AND FOR SCHEDULING ALERTS - A device and system for providing identification and medical information are disclosed. The device includes a readable code that contains medical biographical information of the subject, a programmable reporter element that is programmed to electronically store at least one particular event relating to the subject, and a signal producing element functionally related to the programmable reporter element. The system includes collecting and storing medical biographical information of a subject, embedding the medical biographical information in a readable code of the device, and scanning the readable code of the device worn by or in the possession of the subject using an appliance to retrieve the medical biographical information of the subject. The medical biographical information allows medical professionals to obtain the subject's medical information in order to provide medical care. Also disclosed is an integrated system for alerting subjects to upcoming events related to their continued care.04-11-2013
20130087612METHOD AND DEVICES FOR THE PRODUCTION AND USE OF AN IDENTIFICATION DOCUMENT THAT CAN BE DISPLAYED ON A MOBILE DEVICE. - A method for producing an identification document that can be displayed on a mobile communication device of an ID user and a server arrangement for carrying out the method, an identification document, in particular for the authentication of authorizations or qualifications of a person and the use of this identification document for processing transactions at a transaction terminal and a method for the management of the identification documents.04-11-2013
20120181333Secure ID Credential With Bi-State Display For Unlocking Devices - A secure identification card having a batteryless thin flexible display inlay and a housing encapsulating the batteryless thin flexible display inlay. The batteryless thin flexible display inlay has a bi-state display, display control circuitry, a secure processor and an antenna. The housing has a composite layer having front and back faces and a window aligned with the display in the batteryless thin flexible display inlay, printing on the front face of the composite later and a transparent polyester plastic layer encapsulating the composite layer, the printing and the window.07-19-2012
20120181332SYSTEM AND METHOD FOR LOCATING A LOST CHILD'S PARENT/GUARDIAN - In one embodiment, a method for protecting a child who may become lost is disclosed, comprising the steps of (a) providing an encoded identification device, comprising: a substrate having a surface, and visual coded information disposed upon said surface, wherein said visual coded information encodes a communication address and a unique serial number; (b) entering said unique serial number into a database; (c) entering contact information of said child's parent into said database, said contact information being linked to said unique serial number in said database; (d) decoding said visual coded information to obtain said communication address and said unique serial number; (e) contacting said communication address and transmitting said unique serial number to said communication address; (f) locating said unique serial number within said database; (g) locating said parent contact information in said database that is linked to said unique serial number; and (h) contacting said parent using said parent contact information.07-19-2012
20090045252Apparatus and Method of Entering An Authorization Code Into a Chip Card Terminal - An authorization code is entered into a chip card terminal from a chip card. The authorization code is first entered into a chip card and stored in a secret memory location. A state on the chip card is temporarily changed from a first state to a second state. When the chip card is inserted into a chip card terminal within a pre-defined period of time, the authorization code is transmitted to the chip card terminal and the state is reset from the second state to the first state.02-19-2009
20090045254DEVICE FOR CHECKING THE REGULARITY OF THE OPERATION OF AUTOMATIC PAYMENT TERMINALS - There is described a device for the control and surveillance to check the regularity of the operation of automatic payment terminals, specifically automatic terminals employing payment card readers of the contact-type.02-19-2009
20090045253SYSTEM AND METHOD FOR PROVIDING VIRTUAL DISCERNMENT INFORMATION - A system and method of providing virtual identification information which can securely perform a predetermined control process online or offline using virtual identification information, without directly exposing personal information, is provided. The method of providing virtual identification information includes: exposing an output medium having an identification code to a user being associated with a request of the user; receiving personal information of the user along with the identification code from the user; generating virtual identification information using the inputted identification code and personal information, and transmitting the generated virtual identification information to the user; and performing a predetermined control process which corresponds to a request of the user as a result that the transmitted virtual identification information is inputted to the exposed output medium by the user.02-19-2009
20100001067Debit Card Billing System and Method - A system and method for managing a financial institution account with a transaction card used as a deferred-debit transaction card and as an automated banking card wherein debit transactions are stored by a managing computer system for a billing cycle without being automatically debited against the account until after debit transaction activity. In certain instances, this is not until after the activity for the billing cycle is reported to the holder of the account. Also, a limited time period is provided relative to the billing cycle, for the user to provide funds as consideration for payment against the transaction card purchases without an automatic debiting of available funds as full consideration for payment against the deferred-debit purchases. Before the limited time period lapsing, the available amount useful for additional purchases can be increased.01-07-2010
20120217298WIRELESS TRANSACTION MEDIUM HAVING COMBINED MAGNETIC STRIPE AND RADIO FREQUENCY COMMUNICATIONS - A wireless financial transaction instrument, such as a card, has a magnetic stripe, a display, and an on-board power supply, such as a battery, and is usable with a dual capture point of sale terminal. Information is received by such a terminal from the card wirelessly, and also from the magnetic stripe, and the data received contactlessly is preferably used to verify that read from the stripe. The display can display the account number on command, or to display a current balance, or amount of credit remaining, or any combination of these items of information.08-30-2012
20120217297SYSTEM AND METHOD FOR CHECK WRITING USING A PORTABLE DEVICE WITH NEAR FIELD COMMUNICATION SYSTEMS - A system comprises a set of two devices communicating each other, using near field communication systems (NFC) where one of said devices is connected to a merchant's POS system via wireless network or a cable. The other device is a portable device belongs to a customer. The customer's portable device authorizes transactions and further writing a check. The merchant side device communicates with the customer's portable device and receives customer's check information. The check information is sent to the merchant's POS system where the check can be printed. The check can have a signature using one of the three options; 1) hand writing 2) electronically captured signature from a signature pad, and 3) electronic signature received from the customer's portable device. The customer's check image can be printed for conventional check processing or directly used for the check image based checking systems. The transaction data on either side can be exported to other programs for more sophisticated financial management if necessary.08-30-2012
20120217296Reversing 2D barcode scanning for real-time social networking - A process for streamlining social networking in real-time as well as the process of generating and submitting social network information on behalf of the user. The process reverses the traditional method of 2D barcodes in their relation to social networking. The user presents a 2D barcode which securely references their social network information and the processes social network. This process reduces social networking operations on behalf of a user to a few seconds. Reversing the 2D barcode process to having the merchant being responsible for the decoding instead of user additionally removes technical requirements on behalf of the user such as the need of having a smartphone or internet data plan.08-30-2012
20130056535System and Method for Medical Data Transfer - A system for transferring medical data includes a computer network upon which an electronic medical record of a patient is stored. A mobile computer presents a bar code on a graphical display. A medical device is communicatively connected to a bar code scanner and receives patient information and mobile computer information from the bar code scanner. The medical device further performs a medical test to generate test result data. The test result data is transmitted to the mobile computer based upon the received mobile computer information. A method of medical data transfer includes receiving a medical data transfer request. A bar code is scanned to input the patient information and mobile computer information into the medical device. A medical test is performed with the medical device to produce test result data that is transmitted to the mobile computer based upon the mobile computer information.03-07-2013
20090294524High Security Transaction Card System and Method - A secure transaction card system and method utilizes a transaction card and an authentication device. The transaction card includes a first electrical contact, a power supply device, a card memory that stores a card identifier and a magnetic strip provided with a thin film magnetic write head in electrical communication with the power supply device. The authentication device includes a housing with an access slot for the card, a power source, a second electrical contact structure, an authentication processor in electrical communication with the second electrical contact structure and the power source, and a programmable memory storing account information corresponding to the transaction card. When the transaction card is mated with the authentication device, the processor causes account information to be written onto the magnetic strip so that the card can be used. After an interval of time, electrical charge is drained so that the card is inoperable.12-03-2009
20080237337STAKEHOLDER CERTIFICATES - An electronic device (10-02-2008
20090289110Wireless Biometric Computer Mouse with Integrated Credit Card Reader - Accordingly, in an embodiment of the invention, a computer mouse is provided and includes a digital medium for storing executable software and user data, a wireless transceiver, a credit card reader, and a biometric scanner. A user operating the mouse connected to a computing appliance may validate stored credit card information as belonging to the user by performing a biometric match of biometrics of the user taken by the biometric scanner against biometrics and profile data stored in a network-based data server, and whereupon a successful match of biometrics invokes a graphics user interface stored on the digital medium to display on a display device accessible to the computing appliance, the interface containing the credit card information belonging to the authenticated user for the one or more cards authenticated.11-26-2009
20120111939TRANSACTION RECORDAL METHOD - A method of recording a transaction relating to a security document is disclosed. Coded data portions are provided on the security document, with each coded data portion encoding an identity of the security document and part of a signature. The signature is a digital signature of the identity. A sensing device senses at least one coded data portion. From the coded data portion sensed by the sensing device a determined identity and a determined signature part are determined. The security document is authenticated using the determined identity and the determined signature part. Transaction data associated with the security document, stored in a data store, is updated upon successful authentication.05-10-2012
20120111938MEDICAL IDENTIFICATION SYSTEM AND METHOD OF IDENTIFYING INDIVIDUALS, MEDICAL ITEMS, AND ASSOCIATIONS THEREBETWEEN USING SAME - An assembly and method of identifying and visually associating individuals and medical equipment includes a computing device having a software algorithm that determines a unique combination of one or more human cognitive identifiers to avoid confusion and displays the determined selection on an electronic skin located on the individual or medical equipment so that identities and associations amongst individuals and equipment can be understood readily.05-10-2012
20120111937VALET PARKING SYSTEM AND METHOD - A valet system including a valet computer communicatively linked to one or more hand-held interface devices. The interface devices allow a valet attendant to input a vehicle owner's/driver's text number, email address and/or vehicle make, model and color. The interface devices transmit acquired vehicle owner/driver and vehicle data to the valet computer which then transmits an electronic virtual valet ticket to the vehicle owner's/driver's smart phone. When the vehicle driver/owner desires to depart from the establishment, the driver/owner electronically replies to the text message and/or email. The driver's/owner's electronic reply is transmitted to the valet computer notifying a valet attendant to retrieve the vehicle identified by the electronic virtual number code (or other code). Before returning possession of the vehicle to the driver/owner, the valet attendant confirms that both the interface device and the driver's/owner's smart phone display the same electronic virtual number code.05-10-2012
20090078760AUTOMATED APPLIANCE REGISTRATION - A system for automatically registering an appliance, including a storage housed within an electrical appliance for storing identifying information about the electrical appliance and its purchase, and a communication card including a controller, an interface connector for connecting the communication card to the electrical appliance, a wireless cellular modem for transmitting data, and a card memory for storing program code, wherein when the communication card is connected to the electrical appliance via the interface connector, the program code automatically instructs the controller to collect the identifying information about the electrical appliance and its purchase, to collect owner information and to transmit at least a portion of the collected information to at least one remote recipient using the cellular modem. A method is also described and claimed.03-26-2009
20090266884DUAL USE PAYMENT DEVICE - A mobile device includes an antenna and at least one control device coupled to the antenna. The at least one control device is selectively operable in a first mode and in a second mode. In the first mode, the at least one control device transmits a payment card account number via the antenna to a point of sale terminal. In the second mode, the at least one control device transmits a message to the point of sale terminal via the antenna to request that the point of sale terminal download transaction information to the mobile device.10-29-2009
20110011929SYSTEM AND METHOD FOR CARD BASED DOCUMENT PROCESSING DEVICE LOGIN AND ACCOUNTING - The subject application is directed to a system and method for automated document processing device login and accounting. Identification data corresponding to an identity of an associated user and accounting data corresponding to each of a plurality of billing accounts is communicated with an associated portable data storage. Data corresponding to each of the plurality of billing accounts is displayed, and selection data is received corresponding to at least one billing account corresponding to the plurality of billing accounts associated with the display of data. An associated document processing device is enabled in accordance with selection data and identification data received from the portable data storage. Usage of the document processing device is monitored relative to received selection data, and usage data corresponding to monitored usage of the document processing device with associated billing account data is communicated to an associated administrator.01-20-2011
20110011928METHOD FOR IMPLEMENTING A WIRELESS PERSONAL COMMUNICATION PROTOCOL FOR AN IC CARD - A method is for implementing a wireless personal communication protocol between an integrated circuit (IC) card and a reader device. The IC card is hosted in and in communication with a handset through a corresponding handset-IC card communication protocol. The method includes the handset transmitting an Application Protocol Data Unit (APDU) command to the IC card, according to the handset-IC card communication protocol, the IC card detecting an association between the APDU command and an applet stored inside the IC card, the IC card executing the APDU command, and the IC card executing the applet if an association between the APDU command and the applet is detected. The IC card detects data associated to a wireless personal communication with the reader device after the processing of the APDU command.01-20-2011
20090255987METHOD OF AUTHORISING A TRANSACTION BETWEEN A COMPUTER AND A REMOTE SERVER AND COMMUNICATIONS SYSTEM, WITH IMPROVED SECURITY - A transaction between a computer, a remote server and a communications system can be authorized securely. A portable card reader is connected to a computer. Then, the portable card reader reads card data. The portable card reader reads an identification code from a separate RFID tag. Sensitive card identification data and the identification code is sent to a management server. The sensitive identification data is searched for a unique code set in an electronic memory of a management server. If the search does not produce a positive result, an instruction denying the transaction is generated.10-15-2009
20090236414METHOD AND APPARATUS FOR PERSONALIZING PORTABLE DATA STORAGE MEDIA - A method is suggested for the simultaneous personalization of several portable data carriers (09-24-2009
20090236416CONTACT/NON-CONTACT TYPE HYBRID IC CARD, COMMUNICATION METHOD, PROGRAM AND COMMUNICATION SYSTEM - A contact/non-contact type hybrid IC card is provided which includes a non-contact interface to communicate in a non-contact manner with a non-contact type reader/writer through an antenna, a contact interface to communicate in a contact manner with a contact type reader/writer through a contact terminal, a storage unit to store personal identification information input from the contact type reader/writer through the contact interface during a contact communication mode by the contact interface, and a control unit to remove a limitation of a prescribed function in a non-contact communication mode by the non-contact interface based on the personal identification information stored in the storage unit during the contact communication mode and switch a communication mode from the contact communication mode to the non-contact communication mode with the limitation of the prescribed function being removed.09-24-2009
20130068838PERFORMING SOCIAL NETWORKING FUNCTIONS USING MATRIX CODES - A matrix code reader may detect a matrix code (such as a QR code), which may be displayed along with content and include information identifying the content. The matrix code reader may obtain user information associated with a social networking service and, based at least on the content information and the user information, may transmit an instruction to the social networking service to perform a social networking service function. The matrix code reader may obtain the user information and/or the instruction to perform the social networking service function from information included in the matrix code, from a non-transitory storage medium of the matrix code reader, from a user, and so on. In some implementations, the matrix code reader may determine that additional information or a confirmation to transmit the instructions is needed and may prompt a user for the additional information or confirmation.03-21-2013
20130068837MOBILE COMPUTING DEVICE AUTHENTICATION USING SCANNABLE IMAGES - User credentials are passed to a mobile computing device using scannable images. A scannable image is generated based on a previously created user profile. A user accesses a website from a computer and, in response, the scannable image is locally displayed on the computer. The mobile computing device may be authenticated by capturing the scannable image that is displayed on the computer. In the event that a user profile stored on the mobile computing device matches the previously created user profile that is encoded in the scannable image, the mobile computing device is authenticated. The user may then directly access data and/or interact with the website using the authenticated mobile computing device.03-21-2013
20130068836Authorizing Financial Transactions - A system for authorizing a financial transaction includes a processor operable to execute an application on a wireless communications device, communicate wirelessly with a data stripe through a security enabled wireless communications protocol, receive a request to authorize a financial transaction involving a financial account associated with account data, access authorization criteria for determining whether to authorize the financial transaction, apply the authorization criteria to the financial transaction, generate an authorization code based on the application of the authorization criteria to the financial transaction, and communicate the authorization code.03-21-2013
20130068835Authorizing Financial Transactions - A system for authorizing a financial transaction includes a processor operable to execute an application on a wireless communications device that is communicatively coupled to a data stripe through a wired connection, receive a request to authorize a financial transaction involving a financial account associated with account data, access authorization criteria for determining whether to authorize the financial transaction, apply the authorization criteria to the financial transaction, generate an authorization code based on the application of the authorization criteria to the financial transaction, and communicate the authorization code.03-21-2013
20090008445VIRTUAL MEMBERSHIP CARD SYSTEM AND PROVIDING METHOD, AND VIRTUAL MEMBERSHIP CARD READING METHOD - A method for providing virtual membership cards whereby by a card broker generates a virtual membership card based on the information of a card issuer and the information of a user and sends the virtual membership card to the mobile terminal of the user though a communication network. A virtual membership card system includes a membership management module, for managing card issuer account information, card user account information, and the virtual membership card information and a virtual membership card management module, including a card generation module, for generating a virtual membership card based on the information of the card issuer and the information of the user and a card distribution module, for sending the virtual membership card to the mobile terminal of the user though a communication network. With the present invention, merchants can easily issue, validate and maintain their membership cards, and the user may retrieve, use and manage his/her membership card at any place and at any time.01-08-2009
20090008444PORTABLE TERMINAL - A management apparatus including a portable terminal identifying module to receive card information from a non-contact IC card processing unit having a module to communicate with an IC card without contact.01-08-2009
20090008443Information Storage Tag System for Use and Method - Medical information storage tags to be carried on a person have two separate data storage devices on a base. Each has a data reader or reader/writer interface. Read only data storage identifies the bearer and provides vital medical information required for emergency treatment; it can be accessed by a data reader only, preferably with a printer. A read and write data storage area prerecords encrypted medical history data using industry standard formats that can be amended or deleted. Access to the read and write data storage is restricted to designated users by security means. Both data areas provide personal identification of the bearer name and address, a photo of the bearer, name and contact information to reach the bearer's doctors and next of kin. Both areas may also include financial and insurance information. Means is provided for forwarding data from ambulance to a designated receiving hospital, such as a radio link.01-08-2009
20130214043ENCODED PICTURE IDENTIFICATION - An identification device includes a computer readable code. The computer readable code includes data relating to one or more pictures of a person and identity data for the person. The computer readable code is readable by a device reader, and the device reader is configured to interpret the computer readable code and to display the picture of the person using the computer readable code data relating to the picture of the person.08-22-2013
20120234914System and Method for Validating That Fares Have Been Paid - The invention relates to a control terminal (09-20-2012
20080296370System and Method for the Capture, Storage and Manipulation of Remote Information - A system and method for the capture, storage and manipulation of remote information is disclosed. The system includes at least one remote information capture device located at a remote site for capturing remote data, a central database accessible by the remote capture device for storing the captured remote data, and a computer program operative to manipulate the captured data. The method includes the steps of capturing remote data, storing the captured remote data, and manipulating the stored data.12-04-2008
20080296369SYSTEM AND METHOD FOR MANAGING ENHANCEMENT FEATURES ASSIGNED TO FINANCIAL PRESENTATION DEVICES - A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts database stores account holder data containing assigned enhancement features for associated credit cards. The feature management module is capable of updating and managing the assigned features of an individual credit card independently of other cards so as to provide enhancement features that can be customized for each individual cardholder.12-04-2008
20080296367Electronic ink for identity card - A method and apparatus for an identity card with improved security features. The identity card can have a programmable display. The display can be used to display sensitive data under defined circumstances. The card may have an interactive interface to receive input from a user. The card may also have a input/output interface to allow the exchange of data from the card to an external device. These elements can be used together to give a holder of a card control over the access to the data in the card and thwart counterfeiting and identity theft.12-04-2008
20090261160Systems and Methods for Enabling Distribution of Co-Branded Debit Cards - In accordance with the present invention, systems and methods for enabling distribution of co-branded debit payment tokens are provided. The systems and methods, which may include a franchising party entering into an arrangement with a co-brand partner and assembling a group of one or more banks to participate in co-branding of the co-branded debit payment tokens where one or more of the banks in the group distribute the co-branded debit payment tokens are disclosed herein.10-22-2009
20090026260System and method for the secure input of a PIN - The invention relates to a system and a method for the secure input of a PIN on a chip card reader, without its own display, which is connected to a computer system. After an application requests the input of a PIN, the chip card reader passes information to a PIN input program on the computer system, and this program guides the user through the PIN entry procedure.01-29-2009
20090108061PAYMENT TERMINAL WITH HYBRID CARD READER - A method of transferring a value to a smart card includes inserting a smart card into a reader and reading data from at least one of a chip located in said smart card and a magnetic stripe located on a surface of the smart card. The method also includes inputting a transaction request for said value, sending said request and said data to a processing center and receiving approval of said request. The method includes transmitting said value to said smart card, receiving by said smart card of said value, and storing said value on a contactless communication portion of said smart card.04-30-2009
20110278358CENTRALIZED ISSUER HUB FOR TRANSACTION CARD CUSTOMIZATION - The present invention provides a system for card customization including a centralized issuer hub providing a single point of website integration for applicants in different countries or affiliations, the system comprising a centralized issuer hub comprising a server that coordinates data exchange among a plurality of country—or affiliate—specific websites, a card customization services for processing applicant requests, and an image administrator for customizing applicant submitted images. In operation, a local issuer country website provides a browser-based user interface for an applicant. Card customization services includes a website that recognizes an issuer country or affiliation of the applicant and launches a dedicated country—or affiliate—specific website for the applicant based upon on a country of origin or affiliation of the local issuer country website.11-17-2011
20120097739METHODS OF TRANSMITTING INFORMATION TO MOBILE DEVICES USING COST EFFECTIVE CARD READERS - A method of transmitting information to a mobile device includes providing a card reader is provided with a read head, a slot for swiping a magnetic stripe of a card and device electronics that includes an analog front-end and a microcontroller. The analog to digital front end is coupled to a processing element in the microcontroller. A raw magnetic head signal is received at the analog to digital front end. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. An output jack output jack signal is delivered to the mobile device.04-26-2012
20090050693TRANSACTION CARD WITH SOUND AND TRANSFORMATIVE PLAYBACK FEATURE - A transaction card includes an audio circuit, housing and an account identifier. The audio circuit includes memory configured to store an audio file having audio properties. The audio circuit is configured to transform at least one audio property of the audio file such that upon playback of the audio file, the audio file sounds different than when the audio file was initially stored to the memory. The housing substantially encloses the audio circuit, and the account identifier links the transaction card to an account or record. The account identifier is machine readable. Other cards, products, assemblies and methods of using such cards, products and assemblies are also disclosed.02-26-2009
20110068170METHODS AND SYSTEMS FOR DISPLAYING LOYALTY PROGRAM INFORMATION ON A PAYMENT CARD - A method for displaying loyalty program information on a payment card using a computer coupled to a database is described. The payment card includes a processing device coupled to a display screen. The method includes receiving, at the computer, a loyalty program request message that includes payment card identification data. The payment card identification data is associated with the payment card. The method also includes determining that the payment card is registered in a loyalty program based on the payment card identification data and cardholder account data stored in the database. The method also includes electronically generating a loyalty program response message that includes loyalty program update data. The method further includes transmitting the loyalty program update data from the computer to the payment card for displaying as loyalty program information on the display screen.03-24-2011
20090289107MULTI-USE DURABLE GOODS CARD AND SYSTEM - A card, system, and methods for the present invention: the Multi-Use Durable Goods (MDG) Card having multiple features, such as integrated circuit chips, RFID circuitry, magnetic stripe, holographic foil, photograph and text; provides a customer with a primary use as a registry title card which can be further activated to have a secondary use as a credit card. The MDG card can be activated as a registry title card, registering title, monitor ownership equity and brand equity to durable goods; and as a transaction card with a credit card feature. Activation of the MDG card as a registry title card, allows the customer to purchase unique and documented durable goods (for example a gemstone with Gemological Trade Laboratory Report) from a vendor to establish transfer of ownership of the durable good, maintain provenance, documentation, equity values and credit. Activation of the MDG card credit feature allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of MDG card features allows a customer to purchase a durable good, maintain provenance, equity and credit, upon the activation of both manners described above; and the Multi-Use Durable Goods (MDG) Card is a security financial instrument.11-26-2009
20090065574LOTTERY TICKET BAR CODE - Security can be provided for lottery tickets having data printed thereon in a bar code or other machine readable media by covering only a portion of the bar code with a scratch-off material. Removing the scratch-off material, or in some cases only a portion of the scratch-off material, can permit machine validation of the lottery tickets. For bar codes having a specified level of redundancy, it is desirable to cover at least enough of the bar code to prevent the machine reading of ticket validation data encoded in the bar code. Also, a lottery ticket can include a bar code printed on the ticket having both inventory and validation data along with a bar code printed on the front of the ticket including the validation data. All or part of the bar code printed on the front of the ticket can be covered by a scratch-off material. Also, the validation and redemption process can be expedited by having a player ticket checker read a ticket identifier printed on the lottery ticket so that this information can be checked and automatically entered in an agent terminal. 03-12-2009
20080223924Apparatus for Reducing Energy Consumption Within an Unoccupied Room - An apparatus for managing energy consumption in an unoccupied room having a keycard actuated card and a plurality of appliance control units interposed between electrical appliances and their power sources such that the card reader wirelessly transmits signals to the appliance control units upon insertion and removal of the keycard and the appliance control units energize the appliances only when the keycard is present in the card reader.09-18-2008
20110155802PROTECTING ELECTRONIC CARDS - A device, a system, and methods of securing an authentication device are disclosed. A security system includes an authentication device configured for transmitting a second signal to deactivate the authentication device, in response to receiving a first signal. The authentication device further includes a receiver, a transmitter, an activation device, and a power source, and wherein the second signal includes a unique identifier of the authentication device. The security system further includes an authentication device reader configured for receiving the second signal from the authentication device, extracting the unique identifier from the second signal, and transmitting the extracted unique identifier. The security system further includes an identification data management system configured for storing stored unique identifiers corresponding to authentication devices, storing validity status indicators corresponding to the stored unique identifiers, validating a transaction of the at least one authentication device in response to a combination of the corresponding stored unique identifier and the corresponding validity status indicator, receiving the extracted unique identifier from the authentication device reader, matching the extracted unique identifier with the plurality of stored unique identifiers, and deactivating the authentication device corresponding to the at least one matched stored unique identifier, wherein the deactivation is performed by modifying the corresponding validity status indicator, if a match is found between the extracted unique identifier and at least one stored unique identifier. Also disclosed are a device and methods for securing the authentication device.06-30-2011
20110284632SYSTEMS AND METHODS FOR CARDS AND DEVICES OPERABLE TO COMMUNICATE TO TOUCH SENSITIVE DISPLAYS - A card is provided with a touch transmitter operable to electrically communicate touch signals to a touch-sensitive screen such as a capacitive touch sensitive screen. In doing so, for example, a card may directly communicate with a mobile telephonic device or portable computer (e.g., a tablet computer).11-24-2011
20110284631Recognition and Reward System and Method - A recognition and reward system including an identification assembly carried by a first party, the identification assembly including an identification code supported by a substrate, the identification code including data, a reader assembly carried by a second party, the reader assembly being configured to collect the data from the identification code when the identification assembly is presented to the reader assembly, and a rewards program platform selectively interfaceable with the reader assembly to receive the data collected by the reader assembly, wherein the rewards program platform awards redeemable points to the first or second party based on the collected data.11-24-2011
20110284633PORTABLE OBJECT INCLUDING A DISPLAY AND APPLICATION FOR CARRYING OUT ELECTRONIC TRANSACTIONS - The invention relates to a smart portable object including a safety component and a display, wherein the display is directly or indirectly interactive between a user and the safety component. The invention also relates to the use of a portable object for implementing an electronic transaction, including a display step for displaying all or some of the information that is useful to a user for the transaction and/or a step of interacting with the user, wherein the display and/or interaction step is carried out via said interactive display.11-24-2011
20120012653PORTABLE HANDHELD DEVICE FOR WIRELESS ORDER ENTRY AND REAL TIME PAYMENT AUTHORIZATION AND RELATED METHODS - A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the housing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information from a transaction card, a wireless transceiver carried by the housing, and a processor carried by the housing and connected to the display, order entry input device, transaction card input device and wireless transceiver. The processor may be for wirelessly sending input order information, and encrypting and wirelessly sending the user sensitive information from the transaction card without storing and without displaying. The processor may also be for wirelessly receiving and displaying payment authorization information based upon real time authorization from a transaction card issuing entity.01-19-2012
20090277960 Code Based Access Systems - A system including at least two parts or stations wherein a transaction or connection between any two or more of the parts or stations is conducted or established by means of an access code, the access code being available to an accessed part or station and requiring an identical access code to be provided to an accessing part or station at the time of conducting the transaction or establishing the connection. The system is characterised in that the access code is one of a plurality of codes provided to the accessed part or station and available to the accessing part or station. The system is further characterised in that the access code is selected from the plurality of codes at the time of conducting the transaction or establishing the connection, such that no two transactions are conducted or no two connections are established with the same access codes11-12-2009
20090039153DEACTIVATABLE/REACTIVATABLE SMART CARD RECORDING APPARATUS - An automated system with one or more memory-card interface devices, a custom-formatted end-user memory card keeps track of the user's results, and a reactivation memory card controls the provider's recharging of the end-user memory card after the end-user memory card expires. The contents of the reactivation memory card are updated in order to track its use by the provider of the readings.02-12-2009
20090039152Apparatus for Accrediting Event Participants - The present invention relates to the accreditation of participants to an event. Participants are invited to register, allowing an accreditation system (02-12-2009
20100078474Custom content gift cards - There is provided a customized gift card and methods for customizing the gift card with buyer-selected downloadable content. A buyer may associate pre-purchased downloadable content with a gift card such that the card is “preloaded” for a recipient. The recipient may then redeem the customized gift card and download or access the pre-purchased content. The customized gift card may also include a buyer-selected image and/or personalized message on the face of the card. Alternatively, the customized gift card may have a generic design. Various methods are provided for producing the cards and selecting the downloadable content, including purchasing the card online and having it delivered; buying a generic card and associating content with it online; and purchasing and preloading the card at a dispenser, or kiosk.04-01-2010
20110204140SYSTEM AND METHOD FOR CONDUCTING SECURE PIN DEBIT TRANSACTIONS - The invention relates to a system for secure multi-factor authentication using dynamic data, the system including a card reader, and a computer having a display, wherein the card reader is configured to read card information from a data card, provide a scramble code to the computer, receive user input data indicative of user input responsive to a graphical numeric display based on the scramble code, generate PIN data based on the user input data, generate a PIN block including the PIN data and the card information, and transmit the PIN block for authentication.08-25-2011
20120097740METHOD OF TRANSMITTING INFORMATION FROM A CARD READER WITH A POWER SUPPLY AND WAKE-UP CIRCUIT TO A MOBILE DEVICE - A method of transmitting information to a mobile device has a card reader with wake-up electronics and a microcontroller, and a power supply coupled to the wake-up electronics and the microcontroller. Data is read on the magnetic stripe. A raw magnetic signal is produced indicative of data stored on the magnetic stripe. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. An output jack signal is sent to the mobile device.04-26-2012
20080308627Financial and similar identification cards and methods relating thereto including awards - Apparatuses forming portable identification cards and associated methods are described. A preferred apparatus includes an input device adapted for a consumer to enter authentication data, a memory for storing reference data, a processor configured to compare the authentication data entered by the consumer to the reference data stored in the memory to determine whether the authentication data entered by the consumer is valid authentication data, an indicator for informing a merchant directly or indirectly when the processor has determined that the consumer has entered valid authentication data, programming which determines if use of the card has resulted in grant of an award, and a power source adapted to supply power to the processor and the indicator.12-18-2008
20080308626Systems and Methods for Acquiring Media Assets - In one aspect, the invention provides a device for facilitating the acquisition of media assets. In some embodiments, the device includes: a housing; a USB connector projecting outwardly from an end of the housing; a card reader housed in the housing; non-volatile memory housed in the housing and coupled to the USB connector and the card reader; and a barcode disposed on a major surface of the housing, said barcode encoding an identifier that is associated with customer information.12-18-2008
20090294523Method, System and Device for Identification from Multiple Data Inputs - A device, system and method including a mobile unit having a location sensor to detect location data of a unit; a biometric sensor to detect a biometric property of user of the unit; a display to prompt the user of the unit to input personalized data into for example an input interface; a memory to store identification data; a user input interface to receive identification data; a transmitter to wirelessly transmit location data, biometric data, personalized input and identification data; and a mobile power source to power the unit.12-03-2009
20100108757TRANSACTION PRODUCT WITH HINGED PUZZLE SEGMENTS - A transaction product has an account identifier and includes a series of interconnected, hinged puzzle segments. The various hinged segments may be collectively manipulated to reveal a variety of surfaces, graphics, and indicia. The transaction card may include a number of three-dimensional segments (e.g., eight polyhedral segments) interconnected such that each segment is hingedly connected to two other segments via a hinge structure, wherein the hinge structures on any given cube are orthogonal to each other, resulting in a closed chain of transformations. The hinge structures may be formed via skin components (e.g., plastic, paper, or other laminate media) bonded directly to respective pairs of the three-dimensional segments. The account identifier is associated with the housing and links the transaction product to an account or record having a value configured to be used toward one or more of a purchase and a use of goods or services.05-06-2010
20120024950WIRELESS TRANSACTION MEDIUM HAVING COMBINED MAGNETIC STRIPE AND RADIO FREQUENCY COMMUNICATIONS - A wireless financial transaction instrument, such as a card, has a magnetic stripe, a display, and an on-board power supply, such as a battery, and is usable with a dual capture point of sale terminal. Information is received by such a terminal from the card wirelessly, and also from the magnetic stripe, and the data received contactlessly is preferably used to verify that read from the stripe. The display can display the account number on command, or to display a current balance, or amount of credit remaining, or any combination of these items of information.02-02-2012
20120024949POWER NEGOTIATION IN A COMMUNICATIONS DEVICE - A mobile device is provided having a smart card. The smart card is powered by the mobile device and a maximum power supply value is defined by the mobile device to control the power drawn by the smart card. Provision is made for the smart card to inform the mobile device of the processes supported by the smart card and their classes of current. Provision is also made for the smart card to inform the mobile device whether or not the smart card supports high density memory. The mobile device is operable to use the information provided by the smart card to determine the optimal or best value of electrical current that is to be made available to the smart card.02-02-2012
20120024948Parsing an identification document in accordance with a jurisdictional format - An apparatus that authenticates the contents of identification documents provided by different issuers having machine-readable and/or human readable information is disclosed. The contents of the identification documents are verified without encountering any human error. The verified contents of the identification documents may be used for identification purposes such as age restricted purchases, preordained organ donors or possible criminal prosecution. The verified contents of the identification documents may be logged to provide ID checking compliance and/or may be transferred to a remote computer for additional processing or logging.02-02-2012
20120024947WEARABLE ARTICLE HAVING POINT OF SALE PAYMENT FUNCTIONALITY - A wearable article is configured for providing payment information to a point of sale terminal during a transaction. The wearable article, in some embodiments, includes a band configured for wrapping around a body part of the customer and for carrying an electronic device. In some embodiments, the band has an attachment system for removably securing the band to the body part of the customer. The electronic device includes an energy storage element, a memory device, a communication device and a processing device. The processing device is configured for receiving a communication from the point of sale terminal requesting payment information for completion of the transaction. The processing device reads account information from the memory device and communicates payment information to the point of sale terminal. In some embodiments, the wearable article receives power from a field generated by the point of sale terminal.02-02-2012
20090145964SWIPE CARD AND A METHOD AND SYSTEM OF MONITORING USAGE OF A SWIPE CARD - A swipe card and a method and system of monitoring usage of a swipe card. The swipe card includes a substrate forming a body of the card, a magnetic strip for storing accessible account information and a swipe counter. The swipe counter detecting and accessibly storing a count of the number of times the magnetic strip is swiped. The swipe counter can include a piezo-electric element. The swipe counter can include a capacitive element for storing pulses of energy generated when the magnetic strip is swiped. The swipe counter can include a micro-electromechanical system for recording select physical movement of the card. The swipe card can further include a swipe analyzer for detecting and accessibly storing descriptive information associated with at least one transaction associated with each swipe, wherein the swipe analyzer is operatively coupled to the magnetic strip.06-11-2009
20090145963METHOD AND SYSTEM FOR OPERATING A HYBRID CARD READER - This disclosure provides for a method and system for operating a hybrid card reader that is operable to read magnetic stripe cards and that, upon the receipt of one or more signals, becomes operable to read integrated circuit cards. The hybrid card reader receives one or more signals from one or more remote devices. Such signals may be transmitted wirelessly or over one or more communication lines. When the one or more signals reach the hybrid card reader, they are used to enable a latching mechanism and an integrated circuit card reading function. This permits an integrated circuit card that is inserted into the hybrid card reader to be latched into place so that the data on the card can be read by the integrated circuit card reading function.06-11-2009
20100123003METHOD FOR VERIFYING INSTANT CARD ISSUANCE - There is disclosed a method for verifying instant card issuance. The method begins with receiving from a user an identification credential including personally identifying data. Then the method continues with authenticating the user based upon an evaluation of the personally identifying data against a fraud detection database. The identity of the user may be correlated to the identity specified in the identification credential. The user is then validated based upon an analysis of the personally identifying data against a compliance database including a list of prohibited identities or watch lists. The user is designated as authorized upon proper authentication and validation. The method concludes with dispensing a transaction card linked via a unique identifier to a financial account associated with the authorized user. The transaction card is imprinted with the unique identifier and a custom user-selected design.05-20-2010
20100116879SYSTEMS AND METHODS FOR FACILITATING PAYMENT TRANSACTIONS USING A FINANCIAL TRANSACTION CARD - A financial transaction card associated with an account of a cardholder is provided. The financial transaction card includes a front side, a back side, a signature block, and a validation code. The signature block includes a substrate having a bottom face and a top face wherein the bottom face is coupled to at least one of the sides of the card. The top face is substantially planar and includes a first data field and a second data field. The first data field and the second data field are non-overlapping. The validation code is associated with the account and is displayed within the second data field.05-13-2010
20120286035METHOD AND APPARATUS FOR PROMOTING THE SELECTION AND USE OF A TRANSACTION CARD - Some embodiments of the present invention provide for detecting a physical change (e.g., via a sensor of a transaction card), and, in response to detecting the physical change, producing an output signal promoting use of a financial account.11-15-2012
20090294527SYSTEM AND METHOD FOR PAYMENT CARD INDUSTRY ENTERPRISE ACCOUNT NUMBER ELIMINATION - A system and method replaces credit card numbers in systems that are customer facing with token Ids to thereby reduce exposure to credit card number theft.12-03-2009
20100084462SYSTEMS AND METHODS FOR SECURE PHOTO IDENTIFICATION AT POINT OF SALE - A method for verifying the identity of an individual at a selected location, such as a point of sale (POS), includes storing a photograph of the individual with an associated verifier, such as the individual's verified name, at a remote service provider. A request for a photograph of the individual having the associated verifier is transmitted from the selected location to the remote service provider via a secure data communication network. In response to the request, the service provider matches the verifier with the verifier stored in the database and transmits the photograph associated therewith back to the selected location via the network. The individual's photograph is displayed at the selected location and used by a merchant or the like to verify the identity of the individual.04-08-2010
20090261162SECURE SYSTEM AND METHOD FOR PAYMENT CARD AND DATA STORAGE AND PROCESSING VIA INFORMATION SPLITTING - A method is provided for securely storing and retrieving data. A data unit is split by an entity, into a first component and at least a further second component such that the data unit cannot be reconstructed without having the first and second component. The second component is stored on a secure server in a non-volatile memory, the secure server being separate from any entity that may store the first component. The first and second component of the data unit are then subsequently accessed by a secure data retriever who is not an originator of the data, where the second component is accessed from the secure server. The secure data retriever combines these components into the original data unit. The method is particularly applied in commerce for credit card information in which significant restrictions are placed on the permanent storage of such data.10-22-2009
20100078475System and method for transportation check-in - There is provided a method and system for transportation check-in (e.g., ticketing and identification) via near field communication (NFC) using a handheld electronic device, such as a cellular phone or a personal media player. The handheld device may store and transmit travel reservations and traveler identifications using a travel management application. Various methods may be employed to acquire the reservation and identification information on the handheld device. For example, travel reservations may be made via the management application or may be retrieved from an email, a website, another NFC-enabled device, or a carrier-provided confirmation number. User identification may be acquired by scanning a radio frequency identification tag embedded in a government-issued I.D. In another embodiment, an I.D. number may be entered via the travel management application, and the user's identification information may be downloaded from the issuing authority.04-01-2010
20090173783SYSTEM AND METHOD FOR PROVIDING ACTIVATION AND EXPIRATION DATA ASSOCIATED WITH NEWLY ISSUED FINANCIAL PRESENTATION DEVICES - Apparatus and method for indirectly determining activation status of newly issued financial presentation devices that replace existing financial presentation devices such as credit cards that are about to expire. The apparatus includes a computer device having an account update module that receives an account identifier for an existing credit card, determines a new expiration date associated with a newly issued credit card that replaces the existing credit card, retrieves transaction data associated with the new credit card and examines the expiration date of the retrieved data. If the expiration date associated with the retrieved transaction data matches the new expiration date, then the account update module determines that the newly issued card has been activated.07-09-2009
20100089998Electronic Transaction Security System and Method - A computerized method for generating a time-limited number for use in a payment card transaction involving a payment card issued to a user by a financial institution. The payment card comprises an original payment card number. The method comprises the steps of providing to a processor a first plurality of digits of the original payment card number, where the first plurality of digits are predetermined digits associated to the financial institution, providing to the processor a desired expiration date through which the time-limited number is valid for acceptance in the payment card transaction, and executing a program by the processor so that the program sets a first. plurality of digits in the time-limited number to the first plurality of digits in the original payment card number, generates a first number corresponding to the desired expiration date, sets a second plurality of digits in the time-limited number to the first number, and outputs the time-limited number.04-15-2010
20110139869WIRELESS TRANSACTION MEDIUM HAVING COMBINED MAGNETIC STRIPE AND RADIO FREQUENCY COMMUNICATIONS - A wireless financial transaction instrument, such as a card, has a magnetic stripe, a display, and an on-board power supply, such as a battery, and is usable with a dual capture point of sale terminal. Information is received by such a terminal from the card wirelessly, and also from the magnetic stripe, and the data received contactlessly is preferably used to verify that read from the stripe. The display can display the account number on command, or to display a current balance, or amount of credit remaining, or any combination of these items of information.06-16-2011
20090272798Method of Membership Management - Business method that allows a user to store the value of their membership on a card, to use when and where they wish to do so. This not only eliminates their financial risk, but also facilitates choosing one's own personal preferences out of their membership. A user can enjoy use tailored to a member's needs and receive value for money. The present invention enables a user to store the value of their membership on an Access Card so that one only pays for the services used. Key components of the business method of the present invention include: inter-member networking capabilities for the members through a personal web page and member and partner communication where each member can select the partners that interest them and give them commercial communication access through the member's personal page and in exchange the selected partners give these members offers/discounts in exchange for other non-monetary compensation.11-05-2009
20090090771STORED-VALUE CARD WITH MULTIPLE MEMBER HOUSING - A stored-value card includes a housing, an auxiliary member and an account identifier. The housing includes a base and a cover coupled to the base. The cover and the base each include a primary panel and a side wall extending therefrom. An edge is defined by the side wall of the cover and is positioned to abut an edge defined by the side wall of the base to define a chamber between the base and the cover. The auxiliary member is formed separately from the housing, is at least partially positioned within the chamber, is accessible from a position external to the housing, and is configured to move relative to the housing upon user interaction with the stored-value card. The account identifier is coupled to the housing and signifies a financial account or record linked to the stored-value card. Other cards, assemblies and associated methods are also disclosed.04-09-2009
20100123002CARD PRINTING VERIFICATION SYSTEM - A card printing verification system is disclosed. The system includes a security input device for receiving an identity credential that embodies user identification data and corresponds to a card user. There is also an identity verification module that verifies the identity of the user against a fraud detection scheme. There is also a compliance module for checking whether the card user is found in a prohibited persons list. When both evaluations indicate that there is little to no risk in authorizing a financial transaction card, various customizations are applied thereto and issued for immediate use.05-20-2010
20080210754Account payment using barcode information exchange - A system for effecting transactions, typically retail transactions, by using account information stored on a computing device, such as a cell phone, wherein the computing device is placed on an optical reader at the merchant's establishment. The computing device generates a pattern, such as a bar code, on a visual display, which can be read by the merchant's optical reader. The display encodes account number and other information for the transaction. The merchant's optical reader also includes a display, which can be read by the computing device by using the cell phone camera. The merchant's display includes transaction amount and other information allowing updating of account information in the computing device. The computing device may include security codes and/or a fingerprint reader to allow access to the account information. The use of the fingerprint reader can provide positive identification of the individual, which may be used for restricted items such as age restricted items such as beer, cigarettes, and senior discounts.09-04-2008
20080210753LOYALTY REWARD SETTLEMENT SYSTEM AND METHOD - A acquirer system used for credit card transaction processing includes a loyalty server to manage issuance of loyalty points as transactions are processed and to provide settlement features. The loyalty server uses loyalty qualifying criteria and assigned point values stored in an associated database. When points are awarded, the loyalty server records the value of the points and electronically transfers amounts from an account of a merchant to an account of the loyalty point issuer. The merchant may be multi-tiered, with the point value allotted between a central merchant organization and individual retail stores.09-04-2008
20090289109METHOD AND DEVICE FOR COMMUNICATION BETWEEN AN AUTOMOBILE AND A POINT OF SALE - Automobile, Reader and Method facilitating mobile commerce by a user of an automobile is disclosed, the automobile being equipped with a reader to be placed inside of the automobile, the reader being able to read purchasing instrument data of at least one of a contactless credit card or smart card-type credit card or NFC-enabled handset, and the reader being further connected to a wireless communication interface of the automobile, the wireless communication interface being able to transmit the purchasing instrument data to a point of sale.11-26-2009
20090289108FITTING ROOM TERMINAL, JOB SUPPORTING SYSTEM, AND INFORMATION ACQUIRING METHOD - A display unit displays information in a fitting room. An operation input unit receives operation input of information in the fitting room. An RFID reader writer performs radio communication with an RFID tag, which is attached to a commodity and stores data of a commodity ID for identifying the commodity, and sets a radio communication range in the inside of the fitting room. A control unit that (i) acquires data of a commodity ID from an RFID tag attached to a commodity in the fitting room via the RFID reader writer, (ii) acquires, according to the acquisition of the data of the commodity ID, data of questionnaire information including a question and plural answers to the question from a questionnaire information file that stores the data of the questionnaire information, and (iii) causes the display unit to display the acquired questionnaire information, waits for selection of one or two or more answers, which are included in the questionnaire information displayed by the display unit, by operation input in the operation input unit, and causes a storage area to store the answers selected by the operation input in the operation input unit.11-26-2009
20130098995Method and device for communication between an automobile vehicle and payment means - Method and device for communication between an automobile vehicle and payment unit carried by a user in order to pay for an action carried out on the vehicle equipped with wireless communication elements (04-25-2013
20090277958TRACKING SYSTEM THAT PROVIDES INFORMATION RELATED TO ELECTRONIC DEVICES - A system for use with smartcard type devices 11-12-2009
20090277959INVASIVE SURGICAL INSTRUMENT EQUIPPED WITH A TRANSPONDER - The present invention concerns a read system (11-12-2009
20090283588Verification of a Biometric Identification - An identification verification system includes a combination of indicia that represent measurable characteristics mapped into a characteristic signature, and an indicia detector for detecting the characteristic signature and verifying authenticity of the characteristic signature.11-19-2009
20090283586METHOD FOR SECURE USE OF IDENTIFICATION CARDS - A method for approving or refusing a transaction is based on the use of an identification card having card data thereon, the card data identifying account information pertaining to the authorized user of the identification card. The method includes storing issuer secondary security data in association with the account information. A transaction approval request is received from a vendor, the transaction approval request including the card data and transaction secondary identifier (secondary ID) data. The transaction is refused if the transaction secondary ID data does not correlate properly to the stored issuer secondary security data. Optionally, a post-transaction confirmation request is issued if the transaction is not refused.11-19-2009
20090289112SMARTCARD TRANSACTION SYSTEM AND METHOD - A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.11-26-2009
20090289111System And Method For Providing A Product-Based Coupon Card Account - Providing a product-based coupon account. Specifically, the invention provides systems and methods for providing consumers with a coupon account for receiving an incentive or discount for purchasing a particular product. The consumer is issued a coupon account or coupon card that can be used at a merchant to receive the incentive at the time of purchase of the particular product. The coupon card is scanned at the merchant point of sale and information associated with the transaction including product-level information (e.g., SKU or UPC) and information associated with the coupon card is communicated to a authorization computing system for approval based on this information. The coupon card can be issued for one-time use or can receive updated incentives periodically.11-26-2009
20110204142SYSTEM AND METHOD OF INTEGRATED NATIONAL CITIZEN IDENTITY MANAGEMENT AND E-GOVERNANCE - The instant invention relates to an integrated system and method of secure national citizen identity management and e-Governance—known as the CimeGo System®—using as the foundational platform a centralized national-level electronic database of all citizens known as the National Registry (NR) or Central Data Repository (CDR) (containing all relevant data including biometrics in uniquely designed formats, periodically updated) (and also separately for non-citizens) for national level identity management deploying secure smart cards bearing a single, unique scientifically derived identity reference allocated to each citizen valid for the lifetime of the citizen for all applications countrywide, replacing all multiple IDs presently in use. Dedicated India Card Centres (ICCs) across the country serve to rapidly complete citizens' enrolment procedures leading to card issuance and activation. Data stored on the card chip is ported from NR (CDR) and accessed by authorised personnel via card reader units located countrywide. Using the method offered under the instant invention, the NR also serves as the basis for operationalising a modern e-Governance programme with numerous advanced functionalities for efficient, facile bi-directional interaction between citizens versus government and other agencies, spanning a wide range of statutory and non-statutory applications. The Cimego® System facilitates efficient national administration, ensuring compliance by citizens with laid-down laws and national directives. The invention also helps to plan and monitor welfare measures to the populace and to maintain stringent levels of internal security and border regulation by means of the wide ranging actionable inputs and functional capabilities offered by the instant invention.08-25-2011
20110204139Data output method in analysis of sample, analytical device, and analytical system - An analytical device is provided that can easily determine whether analysis results are affected by drug administration for the test subject when a sample such as urine or blood is analyzed. The analytical device includes reading means capable of reading test subject identification information recorded on an information recording portion of a sample container, and data output means capable of outputting data on analysis results of a sample contained in the sample container, the analytical device further having: information acquiring means capable of acquiring, from a source external to the analytical device, drug administration information on the test subject corresponding to the test subject identification information read by the reading means, wherein when the data on analysis results of a sample are outputted by the data output means, data on the drug administration information on the test subject corresponding thereto are also outputted.08-25-2011
20090008446SYSTEM AND METHOD FOR IDENTITY VALIDATION FOR A REGULATED TRANSACTION - A system and method for performing an identity validation is provided. The invention includes an identity transaction engine component and a communication component. The identity transaction engine component facilitates searching of data store(s) in order to validate identity related to a regulated transaction. The communication component facilitates communication between the identification validation system and remote system such as database(s) and/or data storage system(s). The data store(s) can store governmental agency and/or private entity information. The data store(s) can be remote or local. The invention further provides for the identification validation system to, optionally, include input device(s) and/or output device(s). The input device(s) facilitate identifying an entity to the identification validation system. The output device(s) facilitate communication to user(s) of the identification validation system.01-08-2009
20090166409METHOD FOR ENHANCING DOCUMENT SECURITY AND DEVICE FOR IMPLEMENTING SAID METHOD - The present invention relates to a method of enhancing document security for documents of the type each comprising a print medium on which is printed personalizing information, this printed medium being laminated between two laminates that are at least partially transparent, this method rendering any forging of these documents by ungluing the laminates ineffective, and it is characterized in that at least one additional phantom personalizing image is printed on at least one of the laminates.07-02-2009
20120292390MOBILE COMMUNICATION DEVICE AND DATA VERIFICATION SYSTEM COMPRISING SMART CARD HAVING DOUBLE CHIPS - A mobile communication device and a data verification system applying a smart card having double chips are applicable to data verification processing when the mobile communication device drives the smart chip to perform transaction with a front end access device. The mobile communication device includes a wireless communication unit, a processing unit and a smart chip. When the processing unit receives a transaction request sent by the front end access device or the processing unit executes a transaction procedure, the processing unit performs data verification processing during transaction through the smart chip.11-22-2012
20100127074Method and equipment configured for verifying presence of a medical implant within a patient - A system comprises means for authenticating an identity of a medical implant patient using at least a portion of information provided on an identification card and means for displaying an image showing a medical implant as actually implanted within the medical implant patient and an image showing an implant operation scar of the medical implant patient resulting from actual implantation of the medical implant therein thereby allowing the displayed image of the medical implant to be visually compared against a corresponding image provided on the identification card and allowing verification that the medical implant patient has a scar thereon appearing the same as the image showing the implant operation scar of the medical implant patient resulting from actual implantation of the medical implant. Displaying the images is performed in response to successfully authenticating the identity of the medical implant verification patient.05-27-2010
20100127073Method For Attaching An Information Card To An Item Packaged In A Blister, An Information Card And A System Using The Information Card - An information card for attaching to a blister holding an item such as a pharmaceutical dose comprises a rim area around an opening in the information card for attaching the information card to the blister, the opening allowing the information card to be positioned around the item. This allows additional information to be added to the blister while leaving the protective blister intact.05-27-2010
20090266883Gathering Randomness in a Wireless Smart Card Reader - A device coupled to a smart card reader may request random data from a smart card inserted into the smart card reader, and the smart card reader may incorporate the random data into its randomness pool. A device having a source of random data may have a driver installed thereon for the smart card reader. The device may generate a random session key to encrypt traffic between the device and the smart card reader. The device may send an encrypted version of the random session key to the smart card reader. The smart card reader may decrypt the encrypted version and incorporate the random session key into its randomness pool. A smart card reader may incorporate random data received from a smart card inserted therein into its randomness pool.10-29-2009
20080245859INFORMATION PROVISION INTERMEDIATION APPARATUS - An information provision intermediation apparatus is disclosed. An information provision intermediation definition table has stored therein, in correspondence with each other, an address of the information providing site of an information providing unit and an information provision condition required for the traceability data at the time of providing the information of the information providing site. A CPU acquires a traceability data group corresponding to the individual commodity ID acquired from a terminal. Based on the acquired traceability data group and the information provision condition, the CPU acquires the address of the information providing site of the information-available information providing unit, and using the acquired address, acquires the information from the information providing site and transmits it to the terminal.10-09-2008
20080245855SYSTEM AND METHOD FOR CONTROLLING SECURED TRANSACTION USING DIRECTIONALLY CODED ACCOUNT IDENTIFIERS - A control method and system provides coded access to a system by acquiring account identification data corresponding to a combination of a plurality of symbols. The account identification data is transmitted, for example to a remote server, to correlate the account identification data against an account database to evaluate corresponding account information. Based on the account information, access to the system may be controlled.10-09-2008
20100102124COMMUNICATION MANAGEMENT DEVICE, COMMUNICATION MANAGEMENT METHOD, AND COMMUNICATION MANAGEMENT PROGRAM - To authenticate etc. an IC card upon execution of an IC locking function by utilizing a privacy function. A communication management device has an IC, an IC card lock setting part, and a main control part. The IC includes an IC card function part for providing various kinds of services and a privacy function setting part for storing information for controlling the services provided by the IC card function part. The IC card lock setting part manages setting for locking the operation of the IC card function part. When locking managed by the IC card lock setting part is unlocked, the main control part forcibly stops the services provided by the IC card function part according to privacy information set by the privacy function setting part.04-29-2010
20100102125ELECTRONIC FUND TRANSFER OR TRANSACTION SYSTEM - A universal financial card is provided having a first memory location, which is configured to store a plurality of financial institution identifiers. The universal financial card further includes a second memory location, which is configured to store a plurality of account identifiers which are configured to represent a plurality of accounts at the plurality of financial institutions. The universal financial card next includes a third memory location, which is configured to store identification information associated with the plurality of accounts. The identification information includes at least authorized user information. A read device is included with the universal financial card and is configured to be read by a card reader and enable a financial transaction to be executed on one of the plurality of accounts identified by one of the plurality of account identifiers.04-29-2010
20100102123Systems, Methods, and Apparatus for Facilitating Access to Medical Information - Embodiments of the invention may relate to systems, methods, and apparatus for facilitating access to medical information. In one embodiment, a method of facilitating access to medical data stored on a contactless transaction device may include transmitting to a contactless transaction device a transaction request comprising either a consumer account transaction type or a medical information transaction type. If the transaction request comprises the consumer account transaction type, the consumer account data may be received from the contactless transaction device, responsive to a determination that the transaction terminal is authorized to receive data associated with the transaction request type. If the transaction request comprises the medical information transaction type, the medical data may be received from the contactless transaction device, responsive to a determination that the transaction terminal is authorized to receive data associated with the transaction request type.04-29-2010
20100102122Systems, Methods, and Apparatus to Facilitate Locating a User of a Transaction Device - Embodiments of the invention may relate to systems, methods, and apparatus to facilitate locating a user of a transaction device. In one embodiment, a contactless transaction device for facilitating locating the user can be provided. The contactless transaction device may include an antenna operable to electromagnetically receive and transmit data. The contactless transaction device may also include a microchip comprising a memory operable to store consumer account data and location alert data and in communication with the antenna, wherein the microchip is operable to transmit the location alert data to a transaction terminal via the antenna when the contactless transaction device is presented to facilitate a transaction with the transaction terminal.04-29-2010
20080251580APPARATUS AND METHOD FOR INTEGRATED PAYMENT AND ELECTRONIC MERCHANDISE TRANSFER - Payment transactions using a payment infrastructure are efficiently combined with e-merchandise transactions using an e-merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function. An electronic payment device configured according to the payment infrastructure is interrogated by a payment module (also configured according to the payment infrastructure) of a first terminal to obtain financial data. Electronic merchandise-related information is generated by an electronic merchandise module (configured according to the electronic merchandise infrastructure) of the first terminal, and such information is transferred to the electronic payment device within a transaction conducted in accordance with the financial data and the payment infrastructure.10-16-2008
20110198397SECURE USE OF EXTERNALLY STORED DATA - A smart card reader is adapted to extract and store authentication data from a response APDU received from a smart card before generating a filtered response APDU, wherein the filtered response APDU does not include the authentication data. Beneficially, when the smart card reader transmits the filtered response APDU toward a destination, the biometric template data is less susceptible to interception, thereby providing a more secure solution.08-18-2011
20110198395HANDHELD MOBILE CREDIT CARD READER - A handheld mobile credit card reader includes a handy housing having a clamping space for holding a mobile electronic device, a card reader module mounted in a compartment in the housing and having a card slot set in alignment with a card-sliding slot at the front side of the housing for allowing a person to slide an electronic card therethrough and a card reader unit adapted for reading data from the electronic card being moved through the card slot, and a signal transmission device set in the front side of the housing for the connection of the attached mobile electronic device and electrically connected with the card reader unit for transmitting fetched data from the cad reader unit to the attached mobile electronic device for enabling the attached mobile electronic device to transmit the data to a remove remote credit card transaction processing center wirelessly to make a payment.08-18-2011
20080237336METHOD, APPARATUS, AND ARTICLE OF MANUFACTURE FOR AUTOMATIC VERIFICATION OF TRANSACTIONS MADE OVER AN INSECURE NETWORK - An apparatus and method automatically verifies online transactions, such as credit card charges, made by a customer of a bank or financial institution. A browser “plug-in” is used to monitor a first party use of the internet to detect online transactions and create transaction data. The transaction data is forwarded to the financial institution to correlate with transaction data received independently from the other party in the transaction. The financial institution can provide the customer with alerts, such as online purchase warnings, if there are problems or discrepancies between the data from the first party and the data provided by the second party. The transaction data can also be used in other ways to provide information to the financial institution's customers.10-02-2008
20080265020System and method for performing payment transactions, verifying age, verifying identity, and managing taxes - Age authentication and management of taxes for a merchant. The merchant can verify the age of a customer based on the customer's use of a smartcard that is obtained from a validation authority. The smartcard may contain a certificate related to the age of the user. By utilizing the smartcard, the user can go to an online, virtual, or brick-and-mortar merchant and buy goods requiring age restrictions. When the customer proceeds to purchase a good or service requiring age verification, the merchant's application can obtain information from the smartcard and request from the validation authority information authenticating the user's age. Further, the validation authority may also remit and pay taxes on behalf of the merchant based on the location of the merchant and other information stored in a merchant profile.10-30-2008
20090166410MULTIFUNCTION ATTENDANCE CHECKING SYSTEM - This invention relates to a multifunction attendance checking system comprising a card reader for card-making, said system using the information acquired from an existed card of a user by the card reader for card-making as the user's identification information and using the existed card as a timecard of the user, further comprising a microprocessor, one or more card readers for attendance checking and a memorizer. This system allows an existed card of a user as a timecard.07-02-2009
20090166408METHODS AND APPARATUS FOR USE IN DOCKING - In accordance with some embodiments, apparatus comprises a body defining: a first seat to receive a first device having a wireless communication interface; and a second seat to receive a second device having a wireless communication interface; a first wireless communication interface supported by the body to communicate with the wireless communication interface of the first device; and a second wireless communication interface supported by the body to communicate with the wireless communication interface of the second device. In accordance with some embodiments, apparatus comprises a body comprising a flexible pad; a first communication interface supported by the flexible pad, the first communication interface comprising a first wireless communication interface to communicate with a wireless communication interface of a first device; a second communication interface supported by the flexible pad; and a controller supported by the flexible pad to couple the first wireless communication interface to the second communication interface. In accordance with some embodiments, a method comprises: receiving a first device having a wireless communication interface on a body of a dock; receiving a second device having a wireless communication interface on a body of a dock; communicating with the wireless communication interface of the first device using a first wireless communication interface supported by the body of the dock; and communicating with the wireless communication interface of the second device using a second wireless communication interface supported by the body of the dock.07-02-2009
20090166407METHODS AND APPARATUS FOR USE IN ASSOCIATION WITH SECURITY PARAMETER - In accordance with some embodiments, a method comprises transmitting at least one signal, via a wireless interface, from an identification token issued to an account holder to a communication device issued to the account holder; receiving at least one signal from the communication device via the wireless interface; and resetting a security parameter in the identification token in response at least in part to receiving the at least one signal from the communication device. In accordance with some embodiments, apparatus comprises an identification token issued to an account holder, the identification token to transmit at least one signal, via a wireless interface, to a communication device issued to the account holder, to receive at least one signal from the communication device via the wireless interface, and to reset a security parameter in the identification token in response at least in part to receiving the at least one signal from the communication device.07-02-2009
20080283594Systems and methods for implementing debit card account restrictions - A method includes receiving from a remotely located computer information identifying at least one purchase category, wherein the information is transmitted by the computer responsive to user input provided to the computer by a bank customer having a debit card account with a bank; after receiving the information identifying the at least one purchase category, receiving an authorization request for a transaction corresponding to the debit card account; and causing the authorization request to be declined responsive to the at least one purchase category.11-20-2008
20080265021FOLDABLE TRANSACTION CARD SYSTEMS - 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.10-30-2008
20080290158Mobile Terminal Device and Data Acquistion Method Using the Same - In a system according to the invention, a communication section of a mobile terminal detects a carrier from an external R/W, starts communication with the external R/W, and acquires content simplified data of contactless card function content from the external R/W. The acquired content simplified data is transferred to a control section using the contactless card function content and stored. Further, in this system, by connecting to a URL contained in the content simplified data, content body data of the contactless card function content corresponding to the content simplified data is downloaded and stored in the mobile terminal.11-27-2008
20080296368Stored-value instrument protection system and method - A system and method are disclosed for protecting funds associated with a stored-value instrument, such as a gift card, by way of a non-limiting example. The system and method provide an ability to assign a deactivated status to a stored-value instrument in response to a deactivation request. The system and method further provide an ability to change the status of a deactivated instrument in response to a reactivation request. The reactivation request includes reactivation information assigned for the instrument in response to the deactivation request. The system and method maintain information on the status of an instrument, which status can be used as part of an authorization process to authorize a transaction in which the instrument is used. The system and method may further include registration of instrument holders, such as an instrument's transferor and/or transferee, which information can be used for marketing purposes by an entity to customize offers to be made to an instrument holder or for other purposes such as business intelligence.12-04-2008
20080302870COMPUTERIZED BIOMETRIC PASSENGER IDENTIFICATION SYSTEM AND METHOD - A system and method for passenger identity verification. The system has at least one check in system with a barcode reader and a biometric data collection device. When a passenger checks in, a barcode is placed on the passenger's boarding documents, the barcode is read, and biometric data is collected from the passenger. The system stores the data in a database of a server such that the barcode data is associated with the biometric data. The system further contains at least one checkpoint verification system with a bar code reader and a biometric data collection device. When the passenger arrives at the verification system, the barcode is read and biometric data is collected from the passenger. Biometric data is retrieved from the database using the bar code read by the verification system and the biometric data retrieved from the server is compared with the data collected by the verification system.12-11-2008
20080245858TRANSACTION CARD WITH BEADS - A transaction card includes a substrate, a plurality of adhesive dots, and a plurality of beads. The substrate includes an account identifier linking the transaction card to at least one of an account and a record, and the account identifier is machine readable by a point-of-sale terminal. The plurality of adhesive dots is applied to a surface of the substrate. The plurality of beads are each individually secured to the surface of the substrate with a separate one of the plurality of adhesive dots. Stored-value card assemblies, methods of encouraging purchase and facilitating use of a stored-value card, and other embodiments are also disclosed.10-09-2008
20080245857BOOKMARK TRANSACTION CARD - A financial transaction card includes a substantially planar substrate and a cut formed through the substantially planar substrate. The substantially planar substrate includes an account identifier linking the financial transaction card to at least one of a financial account and a financial record, and the account identifier is machine readable by a point-of-sale terminal. The cut defines a boundary between a first portion and a second portion of the substantially planar substrate. The first portion of the substantially planar substrate is configured to flex relative to the second portion of the substantially planar substrate, and the first portion is biased toward the second portion to receive and secure one or more sheets of paper between the first portion and the second portion of the substantially planar substrate. Stored-value card assemblies, methods of encouraging purchase and facilitating use of a stored-value card, and other embodiments are also disclosed.10-09-2008
20080265022CUSTOMER CHECKOUT ACCELERATOR - A system and method for accelerating customer sales transactions in a retail store. A customer checkout accelerator provides a customer user interface to initiate a request for a preapproval amount for a sales transaction before reaching the point of sale terminal for completion of the purchase transaction. A card reader integrated into the customer checkout accelerator reads a customer payment card number when the payment card is swiped through the reader. A customer checkout accelerator server module resident on a store controller server determines a preapproval amount for the sales transaction and transmits the request to an external card services system for payment approval. The customer checkout accelerator also provides the ability to purchase additional promotional items in the checkout lane with this process integrated into the payment preapproval process. Once payment approval is obtained from the external card services system, an entry is placed in a preapproval database associated with the customer checkout accelerator server module on the store controller server. The server module forwards the approval notification to the point of sales terminal where it is placed in a preapproval cache for use in completing the actual sale transaction.10-30-2008
20080283590SECURE PAYMENT CARD TRANSACTIONS - Payment card transactions at a point of sale (POS) are secured in certain embodiments by intercepting, with a POS security layer installed on a POS terminal, payment data from the POS terminal, transmitting the payment data from the POS security layer to a server security application installed on a POS server, and providing false payment data from the POS security layer to a POS terminal application installed on the POS terminal. The false payment data in various embodiments is processed as if it were the payment data, such that the POS terminal transmits an authorization request to the POS server using the false payment data. In addition, the authorization request may be transmitted from the POS server to a payment gateway.11-20-2008
20130119127X-RAY SECURITY SYSTEM - The present invention is directed to security systems that utilize electromagnetic radiation. The security system includes an authentication security document, an authentication system, and a process for authenticating security documents. The security document includes a document body with an RFID and body information pertinent to the security document. The RFID inlay includes a radiopaque material or other material that is opaque to ranges of electromagnetic radiation. The authentication system for secured documents includes an electromagnetic scanning device, a document with a document body, and the RFID device. The scanning device includes a secured device inlet suitable to accept the document body and a display that shows the results of the electromagnetic bombardment of the document body. The process for authenticating security documents includes positioning within the scanning device the security document to create a radiated image thereof that displays the inlay information.05-16-2013
20080283592SECURE PAYMENT CARD TRANSACTIONS - Payment card transactions at a point of sale (POS) are secured in certain embodiments by intercepting, with a POS security layer installed on a POS terminal, payment data from the POS terminal, transmitting the payment data from the POS security layer to a server security application installed on a POS server, and providing false payment data from the POS security layer to a POS terminal application installed on the POS terminal. The false payment data in various embodiments is processed as if it were the payment data, such that the POS terminal transmits an authorization request to the POS server using the false payment data. In addition, the authorization request may be transmitted from the POS server to a payment gateway.11-20-2008
20100270372WORK-CONDITION MANAGEMENT SYSTEM FOR PREVENTING INDUSTRIAL ACCIDENTS - A work-condition management system for preventing industrial accidents is disclosed. In one embodiment, the system includes an attendance input terminal and a drunkometer connected to an alcohol-measuring probe, to analyze and check physical conditions of workers and judge the suitability of the workers for work to allow the selected workers to work, thus considerably reducing industrial accidents and product defects occurring in the industrial sites. In one embodiment, the work-condition management system includes a measuring device to measure vital signs including blood-alcohol level, blood pressure and body temperature and simply check physical conditions of attending workers, to considerably reduce safety-concerned industrial accidents and product defects occurring in the industrial sites, and a workability-deciding member to compare data obtained from the measuring device with a preset range for normal vital sign and determine the suitability of workers for work based on the comparison results, thereby improving work efficiency and decreasing product defects.10-28-2010
20100270374DEVICE, SYSTEM AND METHOD FOR REDUCING AN INTERACTION TIME FOR A CONTACTLESS TRANSACTION - A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card to authorizing the contactless transaction.10-28-2010
20110006113AUTHORIZATION VERIFICATION SYSTEM - A transaction card payment authorization system wherein a user presents the transaction card issued by an issuer to a merchant to facilitate payment to the merchant through an acquirer. The system includes an acquirer server in communication with an issuer server through communication with a data control center. A remote terminal, located with the merchant, is in communication with the acquirer. The terminal is configured to forward the transaction amount and user data the card contains through communication with the acquirer, and in turn, to the data control center for authorization. The data control center assigns an identification code to the transaction and forwards the identification code, the transaction amount, and the user data to the issuer for inclusion in records of the transaction. The issuer server initiates a portable communications device communication to the user at a portable communications device.01-13-2011
20090050692DYNAMIC IDENTITY MATCHING IN RESPONSE TO THREAT LEVELS - A dynamic identity matching facility that enables an operator to determine the status of an individual based on identification information contained on an identification record provided by the individual. The operator scans the individual's identification information from the identification record using a scanning device. The facility decodes the scanned identification information and identifies a number of candidates based on the decoded identification information. For each identified candidate, the facility generates a candidate score. Based on the candidate score of each identified candidate, the facility selects a number of the identified candidates for display. The facility displays the selected candidates to the operator along with the candidate's criminal or other acts.02-26-2009
20110204141Secure Core Material For Documents - Particles conveying a code are incorporated into polymer matrix to form a core document substrate. These particles may be colored to create a distinctive look of the document that makes it unique for a particular document issuer and enables visual authentication. Addition of a covert attribute to the particle, such as a UV pigment or hidden layer of material, allows a covert, forensic characteristic and it also allows a mathematical description to be calculated describing the random distribution of a specific area on a document and then captured on it (e.g., in the bar code or magnetic stripe or digital watermark on an ID document).08-25-2011
20080257955Nonvolatile Memory Card Adaptable to Plural Specifications - A nonvolatile memory card includes memory card controllers conforming to two or more different specifications, a memory card controller changeover switch configured to enable one of the memory card controllers in response to an indication supplied from an exterior, and a nonvolatile memory that has data therein written from and data therein read to an external device under control of the enabled one of the memory card controllers.10-23-2008
20090057400SYSTEM FOR IDENTIFYING COUNTERFEIT SECURITY DOCUMENT - A system is provided having a sensing device and a processor for determining a counterfeit security document. The security document has disposed thereon or therein coded data including a number of coded data portions. Each coded data portion is indicative of an identity of the security document and a part of a digital signature of at least a part of the identity which has a plurality of signature parts. The sensing device is configured to sense one of the coded data portions and generate, using the sensed coded data portion, indicating data indicative of the identity, the part of the signature and a signature part identifier. The processor is configured to determine a determined signature using the identity, a determined signature part using the determined signature and the signature part identifier, and whether the security document is counterfeit by comparing the determined signature part and the part of the signature.03-05-2009
20090140043Portable memory module with wireless emitter to facilitate the provision of location-dependent services - A portable memory module, which comprises an interface allowing the module to be connected to and disconnected from an electronic device by a user of the module such that the electronic device is in close physical proximity to the module when connected thereto; memory storing an identifier of the module; an emitter; and a processing entity configured to encode the identifier of the module into a signal that is transmitted via the emitter as a wireless beacon. The memory contains information that allows the module to be identified by an entity connected to the electronic device. The wireless beacon is configured to enable a location of the module to be determined by a detection sub-system. When the module is connected to the electronic device and the identity of the module is transmitted to a network entity via the electronic device, the location of the module can be used by the network entity to establish the location of the electronic device.06-04-2009
20090140040ANTI-FAKE IDENTIFICATION SYSTEM AND METHOD CAPABLE OF AUTOMATICALLY CONNECTING TO WEB ADDRESS - This invention relates to an anti-fake identification system and method capable of automatically connecting to web address, in which an electronic tag of commodity is scanned by a reader device so as to read the identification code into the computer device; the identification code includes a web address of a remote maker to which the computer can automatically connect so as to transmit the identification code to the web address; a verifying device receives and verifies the identification code at the web address, and produce an authentication code according to the identification code after the identification code passes through verification so as to confirm the accuracy of the identification code. The method comprises the following steps of: reading an identification code of commodity; transmitting the identification code to the web address; verifying the identification code and generating an authentication code when the identification code is accurate. When the identification code is verified to be accurate according to the authentication code, the computer can keep consumer informed that the commodity passing through anti-fake verification is genuine, and that the user's manual and service information of the commodity can be understood.06-04-2009
20090184163BANK ISSUED CONTACTLESS PAYMENT CARD USED IN TRANSIT FARE COLLECTION - An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.07-23-2009
20090184162HANDHELD DEVICE FOR SELLING TRANSACTION INSTRUMENTS VIA WEB-BASED TOOLS - The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.07-23-2009
20090140044Secure cards and methods - The present invention generally relates to credit cards and debit cards. More particularly, the present invention relates to security methods and techniques that can be used with credit and debit cards and the like in order to provide protection against unauthorized use.06-04-2009
20090140041Consumer Self-Activated Financial Card - A pre-encoded financial card is disclosed along with a system and method allowing a user to attach it to pre-existing accounts and activate it instantly.06-04-2009
20090140042Encased stored value card - An encased stored value card for decoratively presenting is provided comprising an electronic light and/or audio circuit with a switch and a lighting element and/or a speaker; and a housing for holding the electronic circuit permanently as well as the card removably. The housing may have different opening schemes including an upper shell and a lower shell joined by one or more hinge connections and a lock to allow the shells to swivel between a closed position where the upper shell mates with the lower shell temporarily and an open position for retrieval of the card. The electronic circuit is generally embedded in the housing but for the lighting element and speaker so that the lighting element is partially exposed through the housing and is configured to illuminate upon activation of the switch and at the same time the speaker propagates sound at perforations locally formed through the housing.06-04-2009
20120138679Secure two dimensional bar codes for authentication - The invention is a method for creating one time-use highly secure 2D barcodes, or secure two-dimensional barcodes, by utilizing machine readable physical tokens such as read only memory (ROM) or biometric data as a precursor and then applying a public key encryption algorithm and a time-stamp to otherwise standard 2D barcode generation schemas.06-07-2012
20110220716IDENTIFICATION FEATURE - The invention relates to an identification means (09-15-2011
20120067949INTELLIGENT CREDIT CARD SYSTEM - A new credit card system which enables improved reading and other operations. Reading can be done in the short edge of the credit card thereby shortening the aspect ratio and size of the card reader. The reader can be electrical, reading information via contacts, or can be optical readers.03-22-2012
20120067948STORED VALUE CARD TRANSACTION CONTROL SYSTEMS AND METHODS - A gift card processing system which includes a database storing interval information representing a required interval between transactions using the gift card. The database also stores data representing the maximum amount of each transaction. The gift card processing system is part of a network that includes POS terminals at merchant locations, where the gift card may be presented. A card ID is read from the card at a POS terminal and used to access the interval data and the maximum transaction amount data.03-22-2012
20120067947IC CARD, MOBILE ELECTRONIC DEVICE AND DATA PROCESSING METHOD IN IC CARD - According to one embodiment, an IC card includes a communication module, a first command processing module, a determining module, a second command processing module, a response processing module. The first command processing module performs a process corresponding to a first command received from the external device. The determining module determines whether a second command is contained in a data portion of the first command. The second command processing module performs a process corresponding to the second command if the determining module determines that the second command is contained in the data portion of the first command. The response processing module sets a processing result of the second command executed by the second command processing module in the data portion of the response indicating a processing result of the first command executed by the first command processing module and transmit the same to the external device.03-22-2012
20110220717AN AUTOMATED DOCUMENT PROCESSING SYSTEM AND METHOD - A document processing system includes an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past an image scanner and a discrimination unit. An output receptacle receives the documents from the transport mechanism after being transported past the full image scanner and the discrimination unit. The image scanner operates to obtain images of the documents and further operates to obtain images of selected portions of the documents, and further can obtain information contained in the selected portions. The discrimination unit operates to determine document authenticity. A system controller directs the flow of documents over the transport mechanism.09-15-2011
20110220715ANALYSIS SYSTEM FOR ANALYZING BIOLOGICAL SAMPLES, METHODS, AND COMPUTER PROGRAM PRODUCT THEREOF - An analysis system for analyzing biological samples, such as body fluids, methods implemented by the analysis system, and a computer program product for implementing the analysis system are disclosed. The system may include first and second lab devices, at least one of the lab devices may have a user identification component for identifying a user, a device identification component for identifying the lab device, and an interface component for sending a user identifier of the identified user and a device identifier of the lab device. The system may include a server computer having a server interface component for receiving the user identifier and the device identifier, and a processing component for determining a step of a workflow to be executed by the identified user, wherein the server interface component is operable to send a signal being indicative of a determined workflow to the lab device identified by the device identifier.09-15-2011
20090072026CONCEPT CARD AND SELLING SYSTEM AND METHOD BASED ON PURCHASER USING THE CARD - A new concept card and a selling system and method based on a purchaser using the card are disclosed. The system includes a card system 03-19-2009
20100155469DATA COMMUNICATION SYSTEM, DEVICE FOR EXECUTING IC CARD FUNCTION, CONTROL METHOD FOR THE DEVICE, AND INFORMATION PROCESSING TERMINAL - An information processing terminal defines a data transfer state for permitting a contactless data communication through an IC card and a data not transfer state for not permitting the contactless data communication so that the IC card manages the communication state of the information processing terminal. The IC card can transfer data to the terminal side depending on whether it is in any of the data transfer state and the data not transfer state without depending on the notification from the information processing terminal, synchronization can be easily established, a transfer speed can be increased, and a large amount of data can be transmitted.06-24-2010
20090101707COMMUNICATION DEVICE, REMOTE SERVER, TERMINAL DEVICE, FINANCIAL CARD ISSUE SYSTEM, FINANCIAL CARD AUTHENTICATION SYSTEM, AND PROGRAM - A communication device, a remote server, a terminal device, a financial card issue system, a financial card authentication system, and a computer-readable storage medium for authenticating card information. In one embodiment, a communication device incorporates an IC chip. The communication device may be connected to a financial institution server and a remote server through a network. The communication device may include a card issue request portion for requesting the financial institution server to issue a first card; a card information write request portion for receiving first card information corresponding to the first card from the financial institution server and requesting the remote server to write the first card information; and a storage portion including a first individual area, a second individual area, and a common area.04-23-2009
20090200372METHOD FOR AUTHENTICATING MICRO-PROCESSOR CARDS, CORRESPONDING MICRO-PROCESSOR CARD, CARD READER TERMINAL AND PROGRAMS - A method is provided for authenticating micro-processor cards to determine whether a card is a genuine card or a fake card. Authentication is performed by a checking program of at least one card reader terminal. The program sends to each card commands belonging to a standard and public set of commands. The method includes: modifying the checking program in the terminal or terminals, in such a way that the program additionally sends, to each card to be authenticated, at least one additional command, called a secret command, from a set of at least one additional command, pre-inserted into each genuine card, and different from the standard and public set of commands; and a step of detecting authenticity of the card, if the secret command is recognised and/or processed correctly, or the presence of a clone, if the secret command is not recognised and/or is processed wrongly.08-13-2009
20090084842AUTOMATED SUBMISSION OF PREPAID PROGRAMS - A payment system includes transaction handler that processes transactions, each characterized by a consumer and a merchant engaging in a sales transaction involving a prepaid program having prepaid cards, such as a gift card, that an issuer provides to consumers. A method for establishing a prepaid program includes the issuer remotely accessing a computer system at the transaction handler. The computer system presenting the issuer with a program information form on which the issuer enters requested data. As each data item is entered, the computer system checks for errors, which are identified to and corrected by the issuer in real time. The issuer submits the data as a request to create a prepaid program, which the transaction handler reviews and responds by approving or rejecting creation of the prepaid program. The transaction handler electronically communicates approval or rejection of the prepaid program to the issuer.04-02-2009
20090184161REMOTE CONTROL APPARATUS AND COMMUNICATION SYSTEM - A remote control apparatus for communicating with an electric apparatus by radio communication is provided. The remote control apparatus includes a reader/writer for carrying out reading out and writing of information from and into an information recording medium; a transmission/reception section configured to transfer a signal to and from the electric apparatus by the radio communication; and a control section having a power control function for controlling the power of the reader/writer; the control section controlling the reader/writer to the low power consumption state when the power supply to the remote control apparatus is made available.07-23-2009
20090101706Electronic Advertising Device and Method of Using the Same - Electronic advertising devices and methods of using the same for providing targeted advertisements to one or more individuals based on the individual(s) consumer profile(s). The device or systems include a sensor or receiver (04-23-2009
20090108062INFORMATION PROVIDING SYSTEM, APPARATUS AND METHOD FOR INFORMATION PROCESSING, AND COMPUTER PROGRAM PRODUCT - An information providing system includes the following elements. An IC card stores card ID. An information providing terminal reads out the card ID of the IC card, provides information to the IC card, and transmits the card ID and the information provided to the IC card or the ID of the provided information to a management server. The management server receives the card ID and the information provided to the IC card or the provided information ID from the information providing terminal, has a database to manage the card ID and the provided information such that the card ID is associated with the provided information, acquires the information provided to the IC card from the database in response to an information request from a client terminal, and supplies the provided information to the client terminal. The client terminal displays the provided information supplied from the management server.04-30-2009
20090108060METHOD AND APPARATUS FOR USE IN PROVIDING AN IDENTIFICATION TOKEN - According to some embodiments, a method comprises: providing a card sized to fit within a card personalization machine, the card including a surface defining at least a portion of a recess; inserting at least a portion of a sub-card into the recess; providing adhesive between the surface and the sub-card to releasably retain the at least a portion of the sub-card within the recess; and personalizing the sub-card, using the card personalization machine, while the at least a portion of the sub-card is within the recess. According to some embodiments, apparatus comprises: a card defining a recess; a sub-card, at least a portion of the sub-card being inserted into the recess; adhesive to releasably retain the at least a portion of the sub-card within the recess; and a card personalization machine to personalize the sub-card while the at least a portion of the sub-card is within the recess; wherein the card is sized to fit within the card personalization machine. According to some embodiments, a method comprises: providing a card sized to fit within a card personalization machine, the card defining a recess; inserting at least a portion of a sub-card into the recess; releasably adhering a cover across at least a portion of the card to retain the at least a portion of the sub-card within the recess; and personalizing the sub-card, using the card personalization machine, while the at least a portion of the sub-card is within the recess. According to some embodiments, apparatus comprises: a card; a sub-card; a cover releasably adhered across at least a portion of the card to retain the sub-card with the card; and a card personalization machine to personalize the sub-card while the sub-card is retained with the card; wherein the card is sized to fit within the card personalization machine.04-30-2009
20090230186 METHOD OF PROCESSING A USER DATA CARD, AN INTERFACE MODULE AND A GAMING SYSTEM - A method of processing a user data card comprising: determining that a user data card comprising a non-compatible smart card has been entered into a card reader; obtaining a user identifier from a magnetic stripe of the user data card; and processing the user identifier to obtain data from a user record to enable further processing in respect of the user data card.09-17-2009
20090230185CASH REGISTER SYSTEM AND METHOD OF OPERATING A CASH REGISTER SYSTEM - An aspect of the invention relates to a cash register system and a method of operating a cash register system. The cash register system comprises an age verification system. An image of a person is captured and transmitted to a remote age verification center. An authorization signal is subsequently received if from the image the person can be determined to have an age allowing purchase of the age-restricted item. A release signal is provided to the cash register system only if the authorization signal is received in order to allow payment of the age-restricted item.09-17-2009
20090212106CODE BASED ACCESS SYSTEMS - A system including at least two parts or stations wherein a transaction or connection between any two or more of the parts or stations is conducted or established by means of an access code, the access code being available to an accessed part or station and requiring an identical access code to be provided to an accessing part or station at the time of conducting the transaction or establishing the connection. The system is characterized in that the access code is one of a plurality of codes provided to the accessed part or station and available to the accessing part or station. The system is further characterized in that the access code is selected from the plurality of codes at the time of conducting the transaction or establishing the connection, such that no two transactions are conducted or no two connections are established with the same access codes.08-27-2009
20090242628Driver's license and state issued ID card used to access store charge accounts and other business accounts - A system and methodology of accessing a person's charge account record at a store or person's account record at other businesses using the person's driver's license or state issued ID card in addition to the access card that may have been issued by the store or the business. The unique number on the driver's license or state issued ID card captured by swiping or scanning the driver's license or state issued ID card or possibly manually entering the number would be used to retrieve the customer's record for appropriate action—charge for goods or services purchased in the case of stores or retrieving and updating records for other business customers. The driver's license and state issued ID card gives the employee of the store or business the opportunity to validate the information on the store charge account or business record with the personal human readable information on the driver's license and state issued ID card. This feature also offers more security to the customers against identity fraud.10-01-2009
20090095809METHOD OF TRANSMITTING A SECRET CODE, CARD READING TERMINAL, MANAGEMENT SERVER AND CORRESPONDING COMPUTER SOFTWARE PROGRAMMES - A method and apparatus are provided for transmitting a secret code of a new microprocessor card held by a user. The method includes: insertion by the user of the new card into a card reading terminal; sending a request to obtain the secret code by the card reading terminal to a management server; and transmission by the management server, via a communication network, of the secret code or of an item of information permitting the secret code to be obtained, to a communication terminal of the user.04-16-2009
20090095812SYSTEM AND METHOD FOR MANAGING MULTIPLE SMART CARD SESSIONS - A system and method is provided for managing multiple smart card sessions with multiple communications or computing devices in association with a single smart card reader. A wireless smart card reader is provided for communicating with a plurality of devices requiring smart card functionality in a number of smart card sessions, in which each smart card session is addressed with an identifier identifying a single device. The smart card session is secured by a wireless connection pairing and by a secure pairing, such that each connection between the smart card reader and a device is secured against all other devices in communication with the smart card reader using a master connection key, which is unique for each device.04-16-2009
20090255988Method and Apparatus for Displaying Embedded Chip States and Embedded Chip End-User Application States - A method and apparatus for managing applications installed on a smartcard. The invention comprises a Smartcard Management Program (SMP), a User Action Program (UAP), a User Command Program (UCP), an Application Status Update Program (ASUP), and a Card Status Update Program (CSUP). The SMP interfaces with smartcard communications system and accepts the user commands. The UAP obtains applications from external sources, updates the user profile, and transmits the user profile to the user for viewing on a graphical user interface. The UCP breaks the user commands into card actions and application actions and executes the card actions and application actions. The ASUP updates the user profile by changing the entry in an application name column, an application status column, a user action column, and an information column. The CSUP updates the user profile by changing the entry in the card status field.10-15-2009
20090236415RESCUE TRACK AND LOCATE NAME BADGE - A name badge which has wireless capabilities. The name badge is normally maintained in a power reduced states, but detects an excitation signal from a remote antenna and turns on to provide ID information. The ID information can be associated with the transaction from the remote computer, and used to determine who initiated that transaction.09-24-2009
20100032478TAMPERPROOF GENUINENESS ID DEVICE WITH SELF-DESTRUCT PROTECTION FUNCTION AND A METHOD THEREOF - A tamperproof genuineness ID device with self-destruct protection function and a method thereof, which identifies whether merchandises are genuine or fake by reading, identifying and encrypting genuineness ID information in a genuineness ID medium. The tamperproof genuineness ID device includes a working part with self-destruct protection function and a detecting work part for identifying a product to be detected, wherein the product to be detected is airtight sealed or fixed with the tamperproof genuineness ID device together. The method includes several steps: setting the genuineness ID medium in a coordinate working state with the tamperproof genuineness ID device; identifying information in the genuineness ID medium by the detecting work part of the tamperproof genuineness ID device, then encrypting and calculating to obtain a native genuineness ID code; and outputting a detecting result. The tamperproof genuineness ID device makes genuineness ID detection for merchandise easier and more reliable.02-11-2010
20100012720SYSTEM AND METHODS TO SELECT AUTHORIZED VENDORS FOR PREPAID DEBIT CARD/CREDIT CARD - Embodiments of systems and methods are capable of selecting authorized vendors for categories of a multi-vendor gift card.01-21-2010
20090250513CLOSE-CONTACT-CONFIRM-THEN-COMMUNICATE DATA EXCHANGE METHODS AND APPARATUS - Portable wireless devices and methods for conducting at least part of an electronic transaction with a target electronic device are disclosed. The portable wireless device includes a detector configured to ascertain whether the portable wireless device is in close proximity with the target electronic device and a data transmission circuit configured for transmitting data between the if the close proximity is detected, the transmitting is performed by one of wireless data transmission method and direct contact data transmission method.10-08-2009
20090250514AUTHENTICATED DATA CARRIER - A method for authenticating a data carrier that is associated with at least two security features that can be independently used to authenticate the data carrier, the method comprising using a first one of the security features to authenticate the data carrier and switching to using a second security feature in place of the first security feature in response to a switch security feature command.10-08-2009
20120193414CARD PERSONALIZATION DEVICE FOR PRODUCING A PORTABLE USB OBJECT, ASSOCIATED CARD, METHOD FOR DETECTING THE TYPE OF CARD, AND USE OF THE CARDS IN A MASS MAILING METHOD - A card personalization device for producing a portable USB object having a device that is capable of recognizing cards that are operating according to the ISO standard and cards operating according to the USB standard. The recognition device being coupled to a device for switching the power supply terminals on the contact pads corresponding to the USB or ISO power supply contacts of the card in accordance with the type of the detected card.08-02-2012
20120193413METHOD OF USING UNIQUE IDENTIFIERS TO ASSOCIATE A FIRST PERSON WITH A SECOND PERSON - A method of utilizing a unique identifier to identify a child and a parent and associating the child with the parent is provided. Furthermore, a method identifying a first person using a first unique identifier, wherein the first unique identifier remains in possession of the first person while the first person is present at a location, identifying a second person using a second unique identifier, wherein the second unique identifier remains in possession of the second person, comparing the first unique identifier possessed by the first person with the second unique identifier possessed by the second person prior to the first person departing the location, and verifying a match between the first unique identifier and the second unique identifier based on the comparison of the first unique identifier with the second unique identifier is also provided.08-02-2012
20100032479ELECTRONIC TOLL SETTLEMENT SYSTEM AND APPARATUS FOR VEHICLE - The present invention relates to an electronic toll settlement system and apparatus of a vehicle, more particularly, to a technology that settles a toll of a vehicle with a high-pass system through an identification card of a mobile communications terminal instead of a smart card in a high-pass terminal which is built in a mirror.02-11-2010
20120104095Method and Apparatus for Detecting Movement of a Medium and Providing Associated Output - Various methods for card reading and providing associated output are provided. One example method includes receiving one or more signals provided by one or more sensors, the one or more signals being an indication that a medium is moving relative to the one or more sensor, determining position attributes of the medium based at least on the one or more signals provided by the sensor, and causing a graphic to be presented as moving in relation to the movement of the medium relative to the one or more sensors based at least on the position attributes. Similar and related example methods, example apparatuses, and example computer program products are also provided.05-03-2012
20100264209AUTOMATIC TOUCH IDENTIFICATION SYSTEM AND METHOD THEREOF - An automatic identification system for communicating identifying information by coupling signals through the human body is provided. The system includes a battery powered identification device that transmits an identifying signal via a modulated carrier. The identification device is coupled to the body of the user via a coupling plate. The signal from the identification device is received by a reading device that is also coupled to the body of the user via a coupling plate. The reading device may display and/or enunciates the identifying information to the user. The coupling technique, carrier frequency, and construction of the devices are such that the identification information is not inadvertently radiated or coupled to unintentional users or receivers.10-21-2010
20100147944INFORMATION PROCESSING DEVICE, DISPLAY SWITCHING METHOD AND PROGRAM - There is provided an information processing device including a light emitting unit to supply light to an operating means mounted on an IC card, a light emission adjusting unit to cause information of an electronic ticket recorded on the IC card to be displayed on the display unit of the IC card by adjusting the number of times of emitting light or a light emitting pattern by the light emitting unit, a storage unit to store service identification information for identifying a service related to an electronic ticket, and a reading unit to read information of one or more than one electronic ticket stored in the IC card, and a determination unit to determine whether the information of the electronic ticket corresponding to the service identification information stored in the storage unit matches the information of one or more than one electronic ticket read by the reading unit.06-17-2010
20100187303SYSTEMS AND METHODS FOR USER IDENTIFICATION STRING GENERATION FOR SELECTION OF A FUNCTION - Systems and methods for the generation of user identification strings (UIS) used with multi-function operation vehicles are provided. In some embodiments, a system for activating a user operation vehicle can include an activation portal, a verifier and a UIS generator. The activation portal can request a base UIS and a vehicle code identifying a user operation vehicle be supplied by a user. Then, using an encryptor and a communications module, the activation portal can generate an encrypted base UIS and communicate the encrypted base UIS and the vehicle code to the verifier. The verifier can then authenticate the user and identify functions that are linked to the user operation vehicle. The UIS generator can include a decryptor and a UIS generation module to generate a unique account-specific UIS from the encrypted base UIS for each account linked to the user operation vehicle by modifying the base UIS.07-29-2010
20100193586ELECTRONIC DEVICE HAVING CARD READER AND METHOD OF SUPPLYING POWER TO CARD READER - An electronic device includes: a card reader into which a card is inserted and which reads out information carried on the card; a power supply unit which supplies power to the card reader; a detection unit which detects the insertion of a card into the card reader and the ejection of a card from the card reader; and a control unit which controls the power supply unit. When the detection unit detects the insertion of a card, the control unit causes the power supply unit to start the supply of power to the card reader, and when the detection unit detects the ejection of the inserted card, the control unit causes the power supply unit to shut off the supply of power to the card reader.08-05-2010
20100163618TRANSACTION METHOD WITH E-PAYMENT CARD AND E-PAYMENT CARD - The present invention discloses a transaction method with an E-payment Card and an E-payment card. The method includes the steps of: receiving transaction instructions sent from a peripheral e-equipment using communication interfaces of an E-payment card; authenticating the peripheral e-equipment's authorization of access to a storage unit of the E-payment card using a processor of the E-payment card; and if the authentication is successful, performing corresponding operation to the data in the storage unit in response to the transaction instruction by the processor of the E-payment card. The E-payment card is provided with a plurality of communication interfaces, through which it transacts with different peripheral e-equipments to be suitable for the transactions, charging, etc. in different occasions, which is more convenient for users.07-01-2010
20100258624PERSONAL IDENTIFICATION NUMBER INPUT APPARATUS, CONTROL METHOD FOR THE SAME, AND CARD PROCESSING SYSTEM - Card data read by a card reader and a personal identification number inputted via an input unit are transmitted to an information processing apparatus. A timer is made to start measuring a predetermined waiting time in accordance with a notification of completion of processing using the card data and the personal identification number from the information processing apparatus. A warning is given if a card loaded in the card reader is detected by a detection unit when the measurement of the waiting time by the timer is finished.10-14-2010
20090294526TESTING CAPABILITY ALLOWING NEW DATA TAGS - A method of testing a payment device reader includes receiving data from the payment device reader, combining the received data with data for a first testing scenario, transmitting the combined data to a payment processor, receiving an authorization decision from the payment processor, and displaying the results of the authorization decision on a display. The first testing scenario is selected from a plurality of testing scenarios stored in the computer readable storage medium. Each of the plurality of testing scenarios includes data for emulating a device for performing a financial transaction located at one of a merchant, an acquirer, or an issuer.12-03-2009
20090294525IDENTIFICATION CARD COMPRISING AN IMAGE AND PRODUCTION METHOD THEREFOR - The invention relates to a method for producing and processing an image on a card substrate of an identification card, comprising the following steps: 12-03-2009
20100258626Mobile Terminal Device - A mobile terminal device having a structure suitable for insertion and removal of a card from the device with a battery held in a battery holding part. A mobile phone 10-14-2010
20100187302MULTIPLE PERSONA INFORMATION CARDS - A computer-implemented method can include selecting an information card from a group of identified information cards, selecting a persona from a group of identified personae that are associated with the selected information card, and generating a Request for Security Token (RST) based on the selected information card and the selected persona.07-29-2010
20100187301MULTIMEDIA NAME CARD MANAGEMENT SYSTEM - Disclosed in a multimedia name card management system in which a driver program and hardware are prior installed in a user end and internet is used as a transmission medium so that by using a one dimensional barcode scanner device to scan a one dimensional barcode printed on the name card at user end and establishing connection with a web site name card management system in which multimedia name cards are stored, personal data of the name card owner can be accessed. The management system allows the user end to access the web site by using password for recording or revision of stored personal data, and setting of other functions, so as to realize a multimedia name card function of efficient look-up and convenient revision. The present invention also allows selected personal data to be transmitted in a wireless manner from the computer to a mobile phone or a personal digital assistant (PDA) for storage.07-29-2010
20100176196COMPACT PROTOCOL AND SOLUTION FOR SUBSTANTIALLY OFFLINE MESSAGING BETWEEN PORTABLE CONSUMER DEVICE AND BASE DEVICE - A method for providing messaging between a portable device and base device is provided. The method included communicating one or more message codes maintained in the portable device to the base device. The base device then composes a message for a user of the portable device using a dictionary of message codes. The message codes have corresponding message values, which are used to generate the message for the one or more message codes. The generated message is then provided to the user.07-15-2010
20100176195DISCERNMENT CARD AND A DISCERNMENT CARD BUSINESS SYSTEM USING THE DISCERNMENT CARD - This invention is related to a discernment card which is resistant to bending and high heat, and capable of preventing unauthorized copying of recorded identity information leakage of personal information and deletion of identity information, and to a discernment card business system for preventing unauthorized use of identity information. The discernment card (07-15-2010
20090078759Electronic Device, Method and Computer-Readable Recording Medium for Controlling Electronic Device - An electronic device having a maneuvering part provided at an external part of the electronic device for maneuvering the electronic device that includes a unique data storage part configured to store unique data identifying a valid non-contact key medium, a data reading part configured to read data stored in a target non-contact key medium placed in the vicinity of the data reading part, a validity determining part configured to determine whether the data read from the target non-contact key medium are valid by comparing the data read from the target non-contact key medium with the unique data, and a mode switching part configured to switch the maneuvering part from a regular mode to an adjustment mode for adjusting the electronic device in a case where the validity determining part determines that the data read from the target non-contact key medium are valid.03-26-2009
20090078757Information management system and method - An information management system includes a computer server. The computer server includes an interface module. The information management system also includes a plurality of card processors in communication with the computer server via the interface module. The computer server is configured to interface with each of the plurality of card processors via the interface module. The computer server is configured to choose one of the plurality of card processors in accordance with a unique identifier associated with a card product to process information associated with the card product.03-26-2009
20100258625Dynamic Card Verification Values and Credit Transactions - A system and method for providing card verification values for card-not-present transactions is described. In one example, a user's computing device stores single-use CVVs to be provided from a secure wallet. The secure wallet may be software running on the user's computing device. Alternatively, it may be an external device connectable to the user's computing device, which accesses the external device to obtain the single-use CVV.10-14-2010
20100012721Switching Between Internal and External Antennas - The present disclosure is directed to a system and method for switching between internal and external antennas. In some implementations, a system includes an antenna, a connector, and a housing. The antenna is configured to communicate wirelessly transactions with transaction terminals. The connector is connected to the antenna and configured to connect a transaction card to the antenna in response to at least insertion in the housing. The housing enclosing at least a portion of the antenna and at least a portion of the connector and including one or more elements that form an opening for receiving the transaction card. In addition, the housing is substantially rectangular and includes a first portion with a first thickness and a second portion with a second thickness different from the first thickness and at least the thickness of the transaction card.01-21-2010
20080314977Method, System, and Computer Program Product for Customer-Level Data Verification - A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one postal address as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first customer record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional customer record associated with the customer. Finally, the postal address is compared to the information contained in the additional record to create a comparison result that verifies the submitted postal address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity.12-25-2008
20100176194INFORMATION CARD OVERLAY - An information card overlay system can include a base card having multiple claims, an overlay card storing an overlay claim, and an overlay module that can be used to apply the overlay card to the base card. A computer-implemented method can include selecting a base card having multiple claims, selecting an overlay card storing an overlay claim, and applying the overlay card to the base card.07-15-2010
20100224683System for Packaging, Processing, Activating, and Deactivating Multiple Individual Transaction Cards as a Singular Unit - A transaction card processing and activation system comprising the identification of a unique identifier corresponding to an aggregate of transaction cards of affiliated or non-affiliated card issuers and the activation of each transaction card corresponding to the unique identifier of the aggregate irrespective of the number, types, or card issuers of the transaction cards. Additionally, the present invention allows a point of sale entity to initiate the activation of each of the multiple, disparate transaction cards in the aggregate by merely processing the unique identifier associated with the aggregate.09-09-2010
20100224680Web of safety - A method of locating people by using radio frequency identification (RFID) and/or global positioning system (GPS) that is imbedded in a gift card and/or keytag which holds digital information in a microchip which communicates through a data base assigned for this use to locate missing or lost people when activated. There also may be chipless form of RFID and/or GPS that use a material to reflect back a signal of the radio waves beamed at them in return identifying the location of the card/keytag holder. The gift card/keytag may also have a barcode and/or assigned number for identifying purposes. Gift card/keytag will be sold at retail establishments and on line. Gift card/keytag is a four part card assembly that has a RFID and/or GPS microchip imbedded in card, barcode, individually numbered, keytag, aperture. There will be a website to register card with customers personal information. This device may also be put in vehicles and activated if the missing person is missing with their car.09-09-2010
20100224682CONTACTLESS SMARTCARD AUTHENTICATION - Techniques for authenticating a contactless smartcard in a card processing system are disclosed. A card reader measures an impulse response associated with the contactless smartcard during outbound modulation of an RF carrier and compares measured impulse data to reference impulse data. The reference impulse data can be stored at the card reader or obtained from the contactless smartcard in an encrypted form. Optionally, the card reader issues one or more challenges to the contactless smartcard in connection with a card transaction and verifies a response to the one or more challenges using calibration data. The card reader can determine the card's authenticity based on the impulse data, the response to one or more challenges, or a combination thereof.09-09-2010
20100224681PORTABLE CONSUMER DEVICE FOR USE IN CURRENCY CONVERSION PROCESS - A server computer including a processor and a computer readable medium coupled to the processor. The computer readable medium includes code executable by the processor. The code includes code for determining a load value loaded on a portable consumer device in a first currency and code for converting at least a portion of the load value to a second currency using an exchange rate associated with the first currency and the second currency, where the exchange rate is associated with a set date. The set date may be a current or future date.09-09-2010
20100237146CARD AUTHENTICATION SYSTEM AND METHOD - The invention provides a method for performing card authentication of a bank card. The method comprises reading a first liquid encoded number (LEN09-23-2010
20100243732AUDIO/ACOUSTICALLY COUPLED CARD READER - A system for performing mobile payment transactions includes an audio/acoustically coupled card reader, a mobile communication device, an interface server and a payment card processor. The audio/acoustically coupled card reader includes means for reading payment card data from a payment card, means for generating a stream of audio/acoustical signals comprising the payment card data and means for transmitting the stream of audio/acoustical signals. The mobile communication device includes means for receiving the stream of audio/acoustical signals, means for generating an electrical signal comprising data contained in the stream of audio/acoustical signals and means for transmitting the electrical signal. The interface server includes means for extracting the payment card data from the electrical signal and means for transmitting the payment card data. The mobile communication device connects to the interface server device via a first network and transmits the electrical signal to the interface server. The interface server connects to the payment card processor via a second network and transmits the payment card data to the payment card processor for payment processing. The payment card processor processes payments via payment card companies.09-30-2010
20100243731DATA CARRIER AND DATA CARRIER SYSTEM - A region to store authentication commands to perform authentication between a data carrier and a reader/writer device is divided into at least three areas, and as for the three areas, a first authentication command is stored in a first area, a second authentication command is stored in a second area, and a third authentication command is stored in a third area, and security levels can be selected depending on a command of an inquiry signal (09-30-2010
20100001066AUTHENTICATION SYSTEM AND TERMINAL HAVING FUNCTION OF SETTING IDENTIFICATION INFORMATION READING METHOD - In order to provide an authentication system and a terminal capable of saving user's trouble and allowing quick and accurate determination as to whether the user is a registered user or not, a data processing device capable of data communication with a plurality of image forming apparatuses decides an IC card standard used by an IC card reader connected to each image forming apparatus, and transmits a signal notifying the standard to the image forming apparatus having a corresponding identification ID. Based on the IC card standard decided by the data processing device, the image forming apparatus sets the IC card standard used by the IC card reader and determines whether or not the user is a registered user.01-07-2010
20100252623METHOD AND SYSTEM FOR GENERATING A DYNAMIC VERIFICATION VALUE - A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first dynamic data element and a second dynamic data element. The verification value is sent to a service provider associated with the portable consumer device so that the service provider can verify the transaction.10-07-2010
20100252622SIMULATED CONTACTLESS IDENTIFICATION CARD READER - A simulated contactless identification card reader includes an antenna adjacent a card presentation surface. The antenna is for exchanging wireless signaling with a contactless identification card presented to the card presentation surface. The contactless identification card reader may further include a detection unit coupled to the antenna to detect a presence of a contactless identification card, and an output indicator coupled to the detection unit to provide a user-perceivable indication when the detection unit detects a presence of a contactless identification card.10-07-2010
20100301115SYSTEMS AND METHODS FOR GENERATING, READING AND TRANSFERRING IDENTIFIERS - Systems and methods for generating, reading and transferring identifiers are disclosed. In one embodiment, a handheld system for associating a selected audio content with an object includes an identifier applied to a surface of the object and having a predetermined graphical format that is configured to encode the selected audio content, and a handheld device operable to encode the identifier and further operable to detect an audio content associated with the identifier.12-02-2010
20100127075Medical implant verification card - A medical implant verification card (MIVC) having information provided on one or both sides thereof. Information for enabling access to a Medical Implant Verification Account (MIVA) of a patient is one the card. An image showing a medical implant as implanted within a body of the patient (e.g., reproduction of an x-ray image) is on the card. An image of an actual implant operation scar of the patient is on the card. The implant operation scar image shows a scar on the body of the patient resulting from implantation of the medical implant within the body of the patient. Implant identification information designating a type of the medical implant is on the card. Information designating a name of a surgeon having performed the operation for implanting the medical implant and/or information for contacting the surgeon is on the card.05-27-2010
20100127072AUTHENTICATION OF DOCUMENTS HAVING MAGNETIC STRIPE - Methods, systems, and apparatus for efficiently authenticating a document (e.g. a credit card) having a magnetic stripe are provided. The magnetic field at different points of the magnetic stripe are measured, e.g., by a checkout scanner to create a magnetic signature. Digital samples of the measurements may be transformed into coefficients of continuous basis functions, e.g., a Fourier transform. These coefficients are then compared to reference values (e.g. corresponding coefficients) to produce a measure of the authenticity of the document. The number of coefficients used can advantageously be smaller than the number of digital samples without compromising accuracy, thus using less bandwidth between a scanner and an authentication entity.05-27-2010
20100001068Debit Card Billing System and Method Involving Multiple Accounts - A system and method for managing a financial institution account with a transaction card used as a deferred-debit transaction card and as an automated banking card wherein debit transactions are stored by a managing computer system for a billing cycle without being automatically debited against the account until after debit transaction activity. In certain instances, this is not until after the activity for the billing cycle is reported to the holder of the account. Also, a limited time period is provided relative to the billing cycle, for the user to provide funds as consideration for payment against the transaction card purchases without an automatic debiting of available funds as full consideration for payment against the deferred-debit purchases. Before the limited time period lapsing, the available amount useful for additional purchases can be increased.01-07-2010
20100001064SMART CARD PERSONALIZATION IN A MULTISTATION ENVIRONMENT - A smart card personalization system provides an interface to smart card personalization stations and to external computing or data resources which normally are not available directly to personalization station. A card issuer management systems prepares card objects and assigns a unique card object identifier. A smart card personalization server receives the card objects from the card issuer management system. A smart card personalization controller receives the unique card object identifiers and routes the card object identifiers to waiting personalization stations. The personalization stations use the card object identifier to request data and services from the smart card personalization server in order to personalize the smart card. The services provided by the smart card personalization server include data services, security services and support services. The smart card personalization server supports multiple active personalization station sessions.01-07-2010
20100001065Library Materials Tagging System and Software Management System and Library Patron Card Reader - An imager is employed for reading a bar code from patron library card or a library material for subsequent processing and derivation of the bar code for subsequent processing by a library cataloging system.01-07-2010
20100116881METHOD AND APPARATUS FOR MONITORING WASTE REMOVAL AND ADMINISTRATION - A method for a municipality to control, track, and monitor waste or refuse receptacles requires a permit for use of a waste receptacle. An issuing organization issues a permit associated with a discreet receptacle identifier. An RFID tag is provided with the permit and attached to a discreet receptacle. The RFID tag transmits a signal carrying data associated with the discreet receptacle identifier. The signal may be read by a portable reader carried by municipal personnel to record violations of municipal code associated with the use of the discreet receptacle.05-13-2010
20110057032METHOD OF PROVIDING AND PROCESSING A PLURALITY OF STORED-VALUE CARDS - A method of providing and processing a plurality of stored-value cards includes providing a stored-value card assembly including the plurality of stored-value cards in a housing. The plurality of stored-value cards includes a first stored-value card and a last stored-value card. Each of the plurality of stored-value cards is associated with a different account identifier linking each one of the plurality of stored-value cards to a different financial record or account. The different account identifiers collectively define a series of account identifiers. The method further includes scanning the different account identifier associated with the first stored-value card using a point-of-sale terminal, and scanning the different account identifier associated with the last stored-value card using the point-of-sale terminal. The housing indicates which of the different account identifier associated with the first stored-value card and the last stored-value card should be scanned first. Other card assemblies and associated methods are also disclosed.03-10-2011
20110057031CARD INCLUDING ACCOUNT NUMBER WITH VALUE AMOUNT - Embodiments of the invention disclosed herein provide a method of participating in prepaid programs through retail systems without the need to first upgrade their POS capabilities to participate, and allow for a merchant (retailer) to participate in proof of concept programs to determine if prepaid is a viable solution for their retail business model.03-10-2011
20110057030Card Including Account Number With Value Amount - Embodiments of the invention disclosed herein provide a method of participating in prepaid programs through retail systems without the need to first upgrade their POS capabilities to participate, and allow for a merchant (retailer) to participate in proof of concept programs to determine if prepaid is a viable solution for their retail business model.03-10-2011
20110057029Apparatus, system and method for storing passport information - The present invention is directed to an apparatus, system and method for storing passport information on a reusable immigration customs visa card for use as valid identification and proof of authorized entry within a country's borders. The immigration customs visa card is configured for being accessed by a passport card application program executable on a computer, where the card is configured for receiving a selection of passport information from a passport holder's passport via a passport reader or computer, when issued by an authorized institution. Once the immigration customs visa card has been issued, the card may be used as valid proof of authorized entry into the issuing country's borders.03-10-2011
20090272797DYNAMIC INFORMATION CARD RENDERING - A system and method for dynamic rendering of information cards is provided. A card selector uses policies and rendering content to modify the presentation of information cards in the card selector. The policies and rendering content can be obtained from identity providers and relying parties. The rendering content can be obtained each time the card selector is invoked, just prior to rendering the information cards, or at other times specified in the policy. The rendering content can be displayed in a display area of the information card or in a content canvas outside the display area of the information card.11-05-2009
20090114720Method and System for Transferring Captured Identification Data in Selectable Formats Suitable for Different Recipients - A method and system include a data capture device and scan, record, and report (SRR) logic. The data capture device captures identification data from a card having identification data elements such that the captured identification data includes the identification data elements. The SRR logic receives the identification data and receives requests pertaining to the card from a user of the data capture device. The SRR logic selects a set of the identification data elements in response to a first request and transfers the first set of identification data elements with the first request to a first recipient responsible for handling the first request. The SRR logic selects a different set of the identification data elements in response to a second request and transfers the second set of identification data elements with the second request to a second recipient responsible for handling the second request.05-07-2009
20080302869DYNAMIC CREDIT CARD WITH MAGNETIC STRIPE AND EMBEDDED ENCODER AND METHODS FOR USING THE SAME TO PROVIDE A COPY-PROOF CREDIT CARD - A dynamic credit card is provided in which a secure credit card number (e.g., a secret/hidden credit card number) is encoded based on a timing signal (e.g., an internal counter) to provide a dynamic credit card number. This dynamic number may be displayed to a user via a display (e.g., so that online purchases can be made) or written onto a magnetic stripe such that the number may be processed by traditional credit card merchants (e.g., swiped). At a remote facility, the dynamic number may be decoded based on time (and/or a counter/key number/equation) or the facility may have the secure number and perform the same function as the dynamic credit card (e.g., encode using time data as a parameter to the encoding equation) and compare the resultant dynamic number to the dynamic number received. Thus, a dynamic credit card number may change continually or periodically (e.g., every sixty seconds) such that credit card numbers may not be copied by thieves and used at later times. A dynamic verification code may be utilized in addition to, or in lieu of, a dynamic credit card number.12-11-2008
20110108621National security driver's license - An improvement upon a driver's license, a national driver's license includes traditional identification information as well as insurance, both automobile and health, automobile registration, health care, emergency contact, driving records, criminal record, credit and banking, and employment information either embedded thereupon or information that may be used to access one or more computer systems containing said information.05-12-2011
20100219242WALLET CONSOLIDATOR TO FACILITATE A TRANSACTION - A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction is provided. An embodiment of a Wallet consolidator can include a housing, one or more input devices positioned to receive information, and a memory device positioned to store at least a portion of the information received by the one or more input devices. The wallet consolidator can also include a radio frequency wireless communication interface associated with the housing and adapted to communicate with a point-of-sale terminal thereby to provide at least a portion of the Information stored in the memory device to the point-of-sale terminal, a display screen, and a controller positioned within the housing in communication with and to control each of the one or more input devices, the memory device, the radio frequency wireless communication interface, and the display screen.09-02-2010
20090108064Collaborative negotiation techniques for mobile personal trusted device financial transactions - Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.04-30-2009
20090072025Methods, Systems And Computer Program Products For Electronic Identification Card Creation And Transfer During Real Time Communications - Exemplary embodiments include a method for creating an electronic identification card during a real time communications session including: presenting a user with an option to enter personal information; receiving a command from the user to send the electronic identification card including the personal information during the real time communications session; recording the personal information for the electronic identification card with a data entry method; and sending the electronic identification card to a device involved in the real time communications session.03-19-2009
20090072024TRANSIT SECURITY DETECTION SYSTEM - A method and system for processing exposure to an item of interest in a transit system is disclosed. Detectors are sensitive to the item of interest such as chemicals, biologic compound, radiation, nuclear, and/or explosives to produce detector or other information. A threat assessment value is determined periodically. The fare media is read for card information, which can be used in addition to detector or other information. The assessment value along with the card information, detector information and/or other information is used in determining if an action is taken, for example, if a user can pass a portal to get access to the transit system.03-19-2009
20090072023Methods for receiving credit card applications at a fuel dispenser - Credit card applications typically involve the help of a third party to input the necessary data required by a credit card issuing agency. Using the present invention, a customer at a fuel dispenser can complete a credit card application and have it approved or denied in a quick and easy transaction, without the need of assistance from a third party. All required data at the fuel dispenser is entered through a user interface which includes card swipe inputs and numeric inputs through a numeric key pad. The customer does not make any alphabetical inputs on a typical keyboard because fuel dispensers do not have keyboards.03-19-2009
20090072022MODULAR COMMUNICATION PLUG-IN MODULE FOR AN ELECTRONIC TRIP UNIT - The present invention relates to a communication module plug-in device for an electronic trip unit including both wired and wire-less conventional communication methodologies. The device comprising a housing, the housing being structurally configured for the releasable connection to an electronic trip unit, wherein the housing further facilitates the electronic communication between the communication plug-in device and the electronic trip unit. The device also comprises a communication controller that is situated within the housing, a transceiver situated within the housing, wherein the transceiver is in communication with the communication controller, and a memory storage device situated within the housing, the memory storage device being in communication with the communication controller and the transceiver.03-19-2009
20110101092BIN ROUTING FOR PAYMENT PROCESSING - Embodiments of the present invention provide a method and computer program product for bank identification number (BIN) routing. In an embodiment of the invention, a BIN routing method can include receiving a transaction profile for a proposed transaction as payment for a purchase by a purchaser from a merchant at a card processing terminal configured to identify a card number for a card. A BIN can be extracted from the card number a financial institution can be determined from a list of financial institutions pre-specified to be related to the BIN. Thereafter, the proposed transaction can be routed to the determined financial institution related to the BIN.05-05-2011
20080245856TRANSACTION CARD WITH STAKE - A financial transaction card is associated with seeds of at least one type, where each of the seeds is configured for planting in a composition. The financial transaction card includes a substrate defining a first portion and a second portion attached to and readily separable from the first portion. The first portion includes an account identifier, which links the financial transaction card to at least one of a financial account and a financial record and is machine readable by a point-of-sale terminal. The second portion includes a pointed end and indicia identifying the at least one type of seeds. The second portion is configured for insertion into the composition to mark where the seeds are planted in the composition. Stored-value card assemblies, methods of encouraging purchase and facilitating use of a stored-value card, and other embodiments are also disclosed.10-09-2008
20080230601Financial server, IC card terminal, and financial information processing method - The present invention provides an inexpensive system capable of charging up electronic money cards by using a credit card.09-25-2008
20080230600METHOD, SYSTEM, AND APPARATUS FOR CONDUCTING A PURCHASE TRANSACTION - A system, method, and apparatus for conducting a purchase transaction include receiving account information from a payment card device for a purchase transaction, wherein an unrestricted funds account and a restricted funds account is associated with the payment card device; receiving account type data representative of one of the unrestricted funds account and the restricted funds account to associate with the purchase transaction by a transaction terminal; transmitting payment transaction data, including the account type data, from the transaction terminal to a payment network; routing the payment transaction data to one of a first network and a second network based on the account type data associated with the payment transaction data; determining whether the routing is successful; and re-routing, in an instance the routing is not successful, the payment transaction to the first network or the second network not selected in the routing of the payment transaction.09-25-2008
20100288833Drill Gauge And Financial Transaction Assembly - A financial transaction card assembly is described. Specifically, the financial transaction card assembly comprises a drill gauge, at least one drill bit, and a substrate. The drill gauge and the drill bit may be removably coupled to the substrate. The drill gauge may be used to measure a plurality of drill bit sizes, and to purchase retail goods and services. The drill bit may be coupled to a drill to make holes in metal, wood, and plastic materials.11-18-2010
20090108063Wirelessly Communicating Radio Frequency Signals - The present disclosure is directed to a system and method for wirelessly communicating Radio Frequency (RF) signals. In some implementations, a microSD payment system includes an antenna element and a card element. The antenna element affixes to a surface of a mobile device and includes antenna for wireless communicating RF signals with retail terminals and a connection to a microSD card element. The card element includes a shape and dimensions approximately equal to a standard microSD card and wirelessly executes transactions with the retail terminals using the antenna of the antenna element.04-30-2009
20100301114METHOD AND SYSTEM FOR TRANSACTION BASED PROFILING OF CUSTOMERS WITHIN A MERCHANT NETWORK - A computer-based method for managing a profile for a cardholder is provided. The cardholder having an account associated with a payment card. The method includes electronically receiving, at the computer, transaction information for a cardholder for transactions with at least a first business entity and a second business entity, the transaction information including data representing each transaction initiated by the cardholder using the payment card and at least one subdivision within the first business entity, the transaction information further including data representing each transaction initiated by the cardholder using the payment card and the second business entity. The method also includes electronically storing the transaction information within the database, generating a profile of the stored transaction information for the cardholder, the profile including a type, a recency and a frequency of transactions initiated by the cardholder using the payment card and the at least one subdivision, grouping the cardholder into a single cluster with other cardholders registered within the payment card network based on the profile of the cardholder and the other cardholders, and outputting marketing information based on the cluster.12-02-2010
20100301113CONSUMER REWARDS SYSTEMS AND METHODS - A method comprising, in combination: receiving a unique identifier from a consumer; receiving a list of at least one item to be purchased corresponding to a pending transaction; identifying a consumer account associated with the unique identifier; applying at least one accrued point of the consumer account to determine a redemption possibility; and providing a redemption possibility to the consumer. A system comprising, in combination: a point-of-sale (POS) device, further comprising a reader configured to receive a unique identifier and a display configured for providing information to at least one of a merchant and a consumer; an account management system, further comprising an account database containing information regarding at least one consumer account; wherein the POS device and the account management system are communicatively connected to transmit at least one of a unique identifier and a redemption possibility.12-02-2010
20110127325SYSTEM INCLUDING BAR CODED WRISTBAND - A bar coded patient wristband identifies a patient wearing the wristband. The system comprises a bar code reader to read the bar coded wristband. A host computer is connected to the digital link to receive the segment of data from the bar code reader. A database correlates the segment of data to a patient to identify the patient. The patient wristband comprises a plurality of bar code symbols. A computer then retrieves a patient record from the database to identify the patient wearing the wristband. In one embodiment, a patient wristband for identifying a patient accepts a plurality of markings of 2 D bar codes distributed along the strip. In another embodiment, the wristband comprises a plurality of linear bar code lines and spaces distributed along the strip. The lines and spaces form a 1 D bar code.06-02-2011
20110000960INTELLIGENT CREDIT CARD SYSTEM - A new credit card system which enables improved reading and other operations. Reading can be done in the short edge of the credit card thereby shortening the aspect ratio and size of the card reader. The reader can be electrical, reading information via contacts, or can be optical readers.01-06-2011
20100170946FINANCIAL TRANSACTION CARD WITH EMBEDDED MEMBER - A financial transaction card includes a substrate, an insert member, and a rim. The substrate is formed of a first material and defines a first major surface and an aperture though the substrate. The substrate further includes an account identifier linking the financial transaction card to at least one of a financial account and a financial record and is configured for use a payment toward a purchase. The insert member is formed of a second material differing from the first material. The insert member defines a perimeter edge. The rim extends around at least a portion of a perimeter edge of the insert member and is coupled with the first major surface of the substrate adjacent the aperture in a manner at least partially coupling the insert member to the substrate such that the aperture and the insert member align with one another. Other products and methods are also disclosed.07-08-2010
20110024497CARD PROCESSING APPARATUS - According to one embodiment, includes an operation surface section, a card reader provided on one side of the operation surface section and configured to read card information, and an operation button provided near the card reader on the operation surface section and recessing a predetermined dimension from the operation surface section.02-03-2011
20110017820TECHNIQUES FOR AUTHORIZATION OF USAGE OF A PAYMENT DEVICE - Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on desired spending limit parameters established by a merchant and/or an issuer of the device; facilitating obtaining an issuer authorization decision; and responsive to the issuer authorization decision, facilitating setting a spending limit for the account number based on at least an appropriate one of the parameters.01-27-2011
20100133336System and Method for a Secure Transaction - A system and method is used to secure a transaction. The system comprises a data card and a payment receiving device. The data card stores confidential data related to the secure transaction. The payment receiving device receives the confidential data. A first credibility relating to the payment receiving device is verified. Upon the first credibility being verified, a second credibility relating to the data card is verified.06-03-2010
20110024495Machine and Process for Paperless Receipts - An improved transaction machine and a system and method using such machine for obtaining a paperless receipt from the transaction machine, which may be an ATM, vending machine, cash register machine or the like. The transaction machine is configured similar to standard transaction machines except it includes a USB port configured to receive a user's USB drive and/or a keypad or touch screen configured to allow the user to input his or her email address. Instead of printing the receipt, the user selects whether he or she wants the electronic transaction receipt transmitted to the USB drive through the USB port or to his or her email address via the Internet. Eliminating paper receipts will reduce costs and reduce the environmental impact of transaction machines by reducing paper and ink usage and waste. In addition, the transaction machine will improve contacts with customers by capturing email addresses for later use.02-03-2011
20110024496CREDIT CARD, DEBIT CARD OR PREPAID CARD WITH IMPROVED SECURITY FEATURES - The present invention is a credit card, debit card or prepaid card with a front facing and a back facing with improved security features for a user. The card has printed card related indicia on the front facing of the card to allow the user to determine an account associated with the card and a magnetic strip with encrypted information and a plurality of tracking formats disposed on the back facing of the card to prevent reading by a magnetic stripe reader. There is also a separate supplemental card or document supplied to the user to furnish an account number for ordering desired products or services.02-03-2011
20110042457CARD READER WITH MULTIPLE FUNCTIONS AND A METHOD FOR IMPLEMENTING THE SAME - The invention discloses a method for implementing a card reader with multiple functions and a card reader therewith. The method includes that a card reader determines whether a card is inserted in the slot of the card reader and whether the card reader is online; if no card is inserted in the slot, the card reader performs operation to generate a one-time password; if a card is inserted in the slot and the card reader is online, the card reader performs corresponding operation on the card according to the card operating requirement, while if a card is inserted in the slot and the card reader is offline, the card reader performs operation with the card to generate a Token; otherwise, to end the process. The card reader includes a power module, an input/output module, a determining module, an operating module, and a performing module. With good common performance, the card reader provided by the invention performs as smart card reader and verification whether a card is inserted in the card reader or not, which overcomes the shortcomings that the card reader in the prior art has simplex function.02-24-2011
20090065575METHOD FOR USE IN ASSOCIATION WITH IDENTIFICATION TOKEN AND APPARATUS INCLUDING IDENTIFICATION TOKEN - In some embodiments, a method comprises: sensing at least one of movement and position of an identification token; determining if a criteria is satisfied; and enabling operation of the identification token if the criteria is satisfied; wherein determining if the criteria is satisfied comprises determining if the at least one of movement and position satisfies a reference criteria; and wherein the sensor comprises a sensor to provide a signal indicative of at least one of movement and position of the identification token prior to presentation to a proximity coupling device. In some embodiments, apparatus comprises: an identification token comprising: a sensor to provide a signal indicative of at least one of movement and position of the identification token; circuitry, to receive the signal, to determine if a criteria is satisfied, and to enable operation of the identification token if the criteria is satisfied; wherein the circuitry comprises circuitry to determine if the at least one of movement and position satisfies a reference criteria wherein the sensor comprises a sensor to provide a signal indicative of at least one of movement and position of the identification token prior to presentation to a proximity coupling device.03-12-2009
20090065576Card, Card Reader and Authentication System - An object of the present invention is to provide a card hard to counterfeit it by reading information stored thereinside even if an electronic technique is abused, a card reader used to read such a card, and an authentication system using the card and the card reader. Therefore, in the present invention, fragrant materials (fragrant material chips 03-12-2009
20110031309SENSITIVE DATA ALIASING FOR TRANSACTION-CARD AND OTHER APPLICATIONS - Database management and security is implemented in a variety of embodiments. In one such embodiment, data sets containing retail transaction information are analyzed using aliases representing transaction card identifiers. In another embodiment, the transaction card identifiers are stored in an encrypted form for use from a secure access, while the alias identifier is available for standard access.02-10-2011
20110031310AUTHENTICATING ELECTRONIC FINANCIAL TRANSACTIONS - To improve security and simplify financial transactions in electronic communications environments, a cryptographic Private Key is securely stored in a storage device of a user. A Public Key Certificate corresponding to the Private Key is also created and can be stored in an online repository for merchant access. The Public Key Certificate identifies a payment card of the user, and is signed by or on behalf of a financial institution issuing the payment card. When initiating a payment card transaction with a merchant, a data item is signed using the Private Key. The signed data item and the Public Key Certificate are conveyed to the merchant, which enables the merchant to authenticate the transaction without needing to communicate with the user's financial institution, and while avoiding the inconvenience and privacy issues associated with obtaining other card details and user details.02-10-2011
20100155470Method and apparatus for securely activating a credit card for a limited period of time - An apparatus and methods securely activate a credit or debit card for a single purchase, a predetermined amount of time, or a predetermined amount of purchases in a predetermined amount of time, while utilizing a portable phone, especially a cell phone, having a card reader. Only transactions using the electronic telephone number and electronic serial number of the cell phone being used, along with preselected information identifying the owner of a swiped card will be authorized to perform credit and debit card transactions, thus providing secured transactions. Current card magnetic strips and possibly magnetic or other type of strips that are smaller in size and closer to the edge of the credit or debit card are serviced.06-24-2010
20100163616METHODS AND APPARATUS FOR USE IN ASSOCIATION WITH IDENTIFICATION TOKEN - In some embodiments, a method includes supporting an identification token, issued to an account holder by a non-card shaped body of a device; communicating with a proximity coupling device via a wireless interface of the identification token; electrically connecting a communication device to an electrical connector attached to the non-card shaped body; and resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device. In some embodiments, the non-card shaped body of the device is a non-card shaped body of a device issued to the account holder. In some embodiments, the communication device is a communication device issued to the account holder. In some embodiments, an apparatus includes an identification token having a wireless interface; a non-card shaped body that encloses the identification token; and an electrical connector attached to the non-card shaped body and adapted to be electrically connected to a communication device; the identification token to communicate with a proximity coupling device via the wireless interface, and to reset a security parameter in the identification token in response, at least in part, to at least one signal from the communication device.07-01-2010
20110127326Methods, Systems And Computer Program Products For Electronic Identification Card Creation And Transfer During Real Time Communications - A method for creating an electronic identification card during a real time communications session including: presenting a user with an option to enter personal information; receiving a command from the user to send the electronic identification card including the personal information during the real time communications session; recording the personal information for the electronic identification card with a data entry method; and sending the electronic identification card to a device involved in the real time communications session.06-02-2011
20090090770COMBINE IDENTITY TOKEN - An apparatus and method is provided for using a single portable consumer device for purchase transactions, providing identification, and contacting a law enforcement agency. In one embodiment the present invention provides a portable consumer device comprising a body, a first memory containing financial information on the body, and a second memory containing driver license information on the body.04-09-2009
20110084133METHOD, SYSTEM AND APPARATUS FOR IDENTIFICATION - Method, system and apparatus for providing data. The method, system and apparatus can include at least one database for storing data. Further, the method, system and apparatus may utilize a plurality of cards containing individualized information about the holders of the cards and a data storage device may be coupled with each of the plurality of cards. The data storage device can be readable by a data reading device and can store further individualized information about the holders of the cards. Additionally, the at least one database can store the individualized information from the plurality of cards. Also, a plurality of authorized personnel may be equipped with data reading devices to read the data on the data storage device.04-14-2011
20100078476System and method for funding via a prepaid card a financial product intended or targeted by the purchaser at the time of purchase - System and method for funding via a prepaid card a financial product intended at a time of purchase by a purchaser for a customer. A customer cash account is created and funds allocated to the prepaid card are redeemed solely as cash funds in the customer's cash account. The customer may either withdraw at least some of the cash funds in the customer's cash account or apply at least some of the cash funds in the customer's cash account to a financial product. In response to receiving the customer's instructions to apply at least some of the cash funds from the customer's cash account to a financial product selected by the customer as well as their acknowledgement of disclosures or consent to an agreement related to the selected financial product, the cash funds are applied to an associated financial product account.04-01-2010
20110084134METHOD, SYSTEM AND APPARATUS FOR IDENTIFICATION - Method, system and apparatus for providing data. The method, system and apparatus can include at least one database for storing data. Further, the method, system and apparatus may utilize a plurality of cards containing individualized information about the holders of the cards and a data storage device may be coupled with each of the plurality of cards. The data storage device can be readable by a data reading device and can store further individualized information about the holders of the cards. Additionally, the at least one database can store the individualized information from the plurality of cards. Also, a plurality of authorized personnel may be equipped with data reading devices to read the data on the data storage device.04-14-2011
20110084132Devices, Systems and Methods for Secure Remote Medical Diagnostics - Devices, systems and methods are disclosed which relate to collecting and distributing medical diagnostics using a smart card. A smart card with secure medical diagnostics logic on the memory is disclosed. When the smart card is inserted into a wireless communications device, the smart card receives data from a wireless medical diagnostic device. The wireless medical diagnostic device can be wearable by a user. The smart card stores the data in a medical diagnostics database on the smart card memory. A doctor or other medical professional may access the data in the medical diagnostics database after providing authentication.04-14-2011
20120125997SYSTEM AND METHOD FOR PROVIDING AND VERIFYING A PASSPORT - Embodiments of the present invention provide an approach that leverages public key infrastructure (PKI) digital signature and barcode technology in providing a passport that can be validated for authenticity and data integrity when in printed form. In one embodiment, there is a barcoding tool that includes a data retrieving component configured to retrieve a set of identity data; a data concatenating component configured to concatenate the set of identity data into a single data string; a digital signature generating component configured to generate a digital signature from the data string using a private key of an issuing authority; and a barcode generating component configured to generate a barcode symbol from the data string and a barcode symbol from the digital signature. In another embodiment, there is a barcode reading tool that includes reading the identity data and digital signature barcode symbols using a barcode reader; displaying the identity data and digital signature on a display device; verifying the digital signature; and displaying verification results on a display device.05-24-2012
20090218398RFID ACCES APPARATUS AND TRANSACTION METHOD USING THE SAME - The present invention discloses a RFID access apparatus and a transaction method using the same. The RFID access apparatus, coupled to a SD card socket disposed in an electrical terminal device including a controller unit coupled to said SD card socket and a radio frequency transceiver coupled to the controller unit, and being capable of accessing data recorded in a RFID tag through operating the electrical terminal device.09-03-2009
20090218397Document of Value Having Security Element - The invention concerns a value-bearing document (09-03-2009
20090218396Data Medium, Identity Document and Corresponding Security-Protection Method - A data medium has at least first and second parts joined together, each having an outer face turned towards the outside and a hidden inner face. At least one of the first and second parts bears, at a certain distance from the outer faces, hidden markings corresponding to personalization data. This first part and preferably the second part of the medium are, at least locally, opaque with respect to through-transmission of laser radiation liable to modify the hidden markings.09-03-2009
20090218395BILL ACCEPTOR WITH RADIO FREQUENCY IDENTIFICATION - A bill acceptor for verifying the authenticity of every inserted bill and accepting every verified bill is disclosed having operating buttons and a video display provided at a face panel for data input and displaying related operating message and data and a sensor zone for sensing a RFID stored-value card by a radio wave to fetch data from the RFID stored-value card and to add value to or deduct value from the RFID stored-value card subject to the operation mode selected by a consumer through the operating buttons.09-03-2009
20090039154FOLDABLE TRANSACTION CARD SYSTEMS - 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.02-12-2009
20120125998APPARATUS FOR VERIFYING THE IDENTITY OF A FINAL FLUID PRODUCT FOR MEDICAL OR PHARMACEUTICAL USE - An apparatus (05-24-2012
20100038421Secure card terminal - To provide alphanumeric data, such as a PIN code, to a smart card (02-18-2010
20090032582INFORMATION PROVIDING APPARATUS, INFORMATION PROVIDING METHOD, AND COMPUTER PRODUCT - An information providing apparatus provides a menu to a portable terminal and, when an item is selected from the menu by the user of the portable terminal, provides detailed information about the item. The information providing apparatus has an IC-tag reader that corresponds to a menu item and performs short-distance wireless communication with the portable terminal held thereover. Upon receiving, from the portable terminal that has received input information, the input information via the IC-tag reader through short-distance wireless communication, the information providing apparatus performs a predetermined process corresponding to the menu item based on the input information and predetermined identification information.02-05-2009
20090032581STORED VALUE CARD TRANSACTION CONTROL SYSTEMS AND METHODS - A gift card processing system which includes a database storing interval information representing a required interval between transactions using the gift card. The database also stores data representing the maximum amount of each transaction. The gift card processing system is part of a network that includes POS terminals at merchant locations, where the gift card may be presented. A card ID is read from the card at a POS terminal and used to access the interval data and the maximum transaction amount data.02-05-2009
20090032584DISPLAY DEVICE, DATA PROCESSING METHOD AND DATA PROCESSING SYSTEM USING THE DISPLAY DEVICE - The present invention has non-contact communication means (02-05-2009
20090032583SYSTEM FOR AUTHENTICATING ENCODED OBJECT - A system for authenticating an object is provided having means for sensing coded tags printed on the object which each encode an identity of the object, a signature fragment and a signature fragment identifier associated with the signature fragment, means for identifying a determined signature from the identity, signature fragment and signature fragment identifier encoded by at least one sensed coded tag, means for generating, using the determined signature and a key, a generated identity, means for comparing the identity encoded by the sensed coded tag with the generated identity, and means for authenticating the object using the results of the comparison.02-05-2009
20100065626MULTIFUNCTIONAL PORTABLE CONSUMER PAYMENT DEVICE - A card can be used to make a payment or to gain access to a secure facility. The card embeds a chip, a passive circuit, and an antennae that receives frequencies upon which the chip executes corresponding payment and access applications. The passive circuit powers the chip upon being energized by an external circuit that emits the frequencies. The card docks into a card dock having a user interface. The user interface has buttons which, when particularly engaged, permits reception of one of the frequencies that energizes the passive circuit to power the chip for the execution of the corresponding application.03-18-2010
20110174875Charging station for electric vehicles - A charging station is provided for charging an electric vehicle. The charging station preferably has dual voltage power outlets so as to be compatible with the vehicle being charged. The customer may select various charging times and may leave the vehicle unattended knowing that an unauthorized user may not remove the customer's charge plug from the outlet and replace the customer's plug with the plug of an unauthorized vehicle.07-21-2011
20090065577MEDIUM PROCESSING SYSTEM AND INTERMEDIARY MEDIUM PROCESSING APPARATUS - A medium processing system for use with an information recording medium is disclosed. The system may include a first medium processing apparatus, a host apparatus, and a second medium processing apparatus. The first medium processing apparatus may be structured to carry out writing and reading information to and from the information recording medium. The host apparatus may have an interface with which the first medium process apparatus is connectable. The second medium processing apparatus may be structured to intermediate a connection between the first medium processing apparatus and the host apparatus. The second medium processing apparatus may also be structured to carry out writing and reading information to and from the information recording medium at a higher speed than the first medium processing apparatus does.03-12-2009
20100127071VERIFYING CARDHOLDER IDENTITY USING SIGNATURE OF THE CARD - Methods, systems, and apparatus for verifying the identity of a cardholder are provided. A digital representation of a magnetic characteristic of a magnetic stripe of the card is stored on a portable electronic device of the cardholder. During a transaction, the digital signature is then transmitted so that it can be compared with a reference signature. The identity may be verified, and a response sent to a party requesting the verification, e.g., during a transaction between the requesting party and the verified party.05-27-2010
20110079645MULTI-HEAD POINT OF SALE TERMINAL - The invention provides increased convenience through use of multiple opposed magnetic stripe reader heads within a POS terminal card reader track. In one embodiment, the various opposed heads are offset along the card reader track. The POS terminal also accommodates smart card and contactless instrument readers and includes features for electronic signature capture, user display interaction, multi-tasking capabilities, check reading and age and identity verification.04-07-2011
20110079643PRESCRIPTION SAMPLE TRANSACTION PAYMENT CARD - An input device of a user interface is used to receive an identifier, quantity, and dosage of a free prescription medical supply sample, and an identifier for a patient. A transmission is sent including the identifier for the free sample. In response, a transmission is received that includes free sample information regarding a pharmaceutical company account for a dispensing pharmacist to charge the cost of the free sample, the identifier, quantity, and dosage of the free sample, and an image corresponding to the free sample. A prescription medical supply sample transaction payment card has written to its memory the free sample information, an identifier for the patient, and an identifier for the prescribing medical practitioner. An image corresponding to the free sample is rendered on the surface of the card.04-07-2011
20110101091INTERCHANGE OPTIMIZATION FOR PAYMENT PROCESSING - Embodiments of the present invention provide a method, system and computer program product for interchange optimization for payment processing. In an embodiment of the invention, an interchange optimization method for payment processing can include receiving a transaction profile for a proposed transaction as payment for a purchase by a purchaser from a merchant at a card processing terminal configured to identify a card number for a card. The method further can include determining a card association for the card number and retrieving criteria for a lowest interchange rate for the card association. The method yet further can include prompting the merchant to provide data required by the retrieved criteria and assembling a transaction for the proposed transaction with the required data. Finally, the method can include routing the assembled transaction to a selected payment processor.05-05-2011
20110101090TRANSACTION PRODUCT ASSEMBLY WITH MECHANICAL PRODUCT - A transaction product assembly includes a transaction product, a mechanical article, and a coupling member. The transaction product includes an account identifier statically connected thereto. The account identifier links the transaction product to at least one of an account and a record and is machine readable by a point-of-sale terminal. The mechanical article includes a body, an auxiliary member, and an actuating mechanism. The actuating mechanism extends from within the body to a position external to the body. User interaction with the actuating mechanism is configured to induce movement of the auxiliary member relative to the body of the mechanical article. The coupling member is secured to the mechanical article and configured to be secured to the transaction product such that movement of the auxiliary member relative to the body causes corresponding movement of the transaction product. Other cards, combinations and associated methods are also disclosed.05-05-2011
20110101089TRANSACTION PRODUCT WITH CARD AND STICKER - A transaction product for a retail display includes a transaction sticker and a transaction card. The transaction sticker defines a front surface and a rear surface opposite the front surface. The transaction sticker includes a first account identifier linking the transaction sticker to an account or record configured to track a value available for use toward a purchase of goods and services. The first account identifier is machine readable by a point-of-sale terminal. The rear surface is coated with a pressure sensitive adhesive. The transaction card defines a first surface and a second surface opposite the first surface and including a second account identifier. The second account identifier is machine readable by the point-of-sale terminal. The transaction sticker is releasably coupled to the transaction card and is configured to be removed from the transaction card and applied to an article. Other cards, products, combinations and associated methods are also disclosed.05-05-2011
20110068171CARD READING DEVICE FOR TRANSACTION SYSTEM - A non-magnetic card reader, a magnetic card reader and a card transaction method are provided to selectively read a magnetic card and a non-magnetic card for identification of payment transaction at a transaction terminal. The non-magnetic card reader includes an integrator module electrically connecting to the magnetic card reader and the transaction terminal. Each of the non-magnetic card reader, the magnetic card reader and the transaction terminal has one or more physical connectors compatible with a magnetic-card communication protocol. A non-magnetic card signal incorporated with card data of the non-magnetic card is converted by the integrator module to match the magnetic-card communication protocol and is selectively transmitted to a main controller of the transaction terminal for identification. A magnetic card signal from the magnetic card reader incorporated with card data of the magnetic card is selectively transceived through the integrator module to the main controller for identification.03-24-2011
20110042455METHOD FOR INPUTTING A PASSWORD AND A DEVICE THEREFOR - A method for inputting a password and a device thereof are disclosed in the invention, relating to the information security field and solving the problem that a password input by a user is easy to be intercepted. The method includes steps that, a password inputting device acquires an instruction in accordance with ISO/IEC 7816 standard from an upper computer, and determines whether the instruction is a password checking instruction or not, and if it is not, the device sends the instruction to the smart card; or else if it is, the device receives the password input by the user, encloses it to the password checking instruction, sends the instruction enclosed with the password to the smart card, receives the result of executing the password checking instruction from the smart card, and sends the result to the upper computer. The solution of the invention is used for improving the security of inputting a password in avoidance that the password is intercepted when being transmitted.02-24-2011
20110024498TRANSACTION PRODUCT WITH ELECTRICAL CIRCUIT - A transaction product includes an enclosure, an account identifier and an electrical circuit. The enclosure defines an aperture. The account identifier is at least one of connected to or enclosed within the enclosure and links the transaction product to an account or record. The account identifier is machine readable. The electrical circuit includes a flexible circuit member, wherein the flexible circuit member extends through the aperture defined by the enclosure such that a first portion of the flexible circuit member is coupled to an outside surface of the enclosure and a second portion of the flexible circuit member is positioned inside the enclosure. Other cards, products, assemblies and methods of using such cards, products and assemblies are also disclosed.02-03-2011
20090014515METHOD OF FACILITATING INTERACTION BETWEEN USER AND PACKAGED PRODUCT - A method of facilitating an interaction between a user and an item, said item comprising a product contained in a package, said package having an interface surface containing information relating to the item, the interface surface having disposed thereon coded data indicative of an identity of the item and of coordinates of a plurality of locations of the interface surface, the method including the steps of: receiving, in a computer system, indicating data from a sensing device regarding the identity of the item and at least one position of the sensing device relative to the interface surface, the sensing device, when placed in an operative position relative to the interface surface, sensing at least some of the coded data in the vicinity of the sensing device and generating the indicating data using at least some of the sensed coded data; and facilitating, in the computer system and with reference to the indicating data, the interaction between the user and the item.01-15-2009
20090266882SMART PASSPORT SYSTEM FOR MONITORING AND RECORDING ACTIVITY AND DATA RELATING TO PERSONS - An apparatus for providing secure and unique identification of individuals includes a device for electromagnetically recording and storing data indicative of a specific individual. The device receives and stores data in various fields. A system for use in tracking and identifying individuals includes an electromagnetic identification device that has a plurality of data fields, each being adapted to receive identifying signals; a writer for encoding the signals into the appropriate data fields; a controller for receiving signals uniquely identifying an individual and storing the signals in a master database; and a reader adapted to interrogate the unique individual identification signals stored on the electromagnetic identification apparatus and for comparing corresponding individual identification signals with signals received from the electromagnetic identification apparatus and generating an alarm signal if a discrepancy exists.10-29-2009
20100116880METHODS AND APPARATUS FOR TRANSACTING WITH MULTIPLE DOMAINS BASED ON A CREDENTIAL - In one embodiment, a method includes receiving from a credential a credential-owner authentication information associated with an identity of an individual. A issuer validation information associated with an issuer of the credential is also received. The method also includes providing a plurality of options, including a first option associated with a first domain and a second option associated with a second domain mutually exclusive from the first domain. The method also includes sending to a portion of the first domain the credential-owner authentication information and the issuer validation information in response to the first option being selected.05-13-2010
20100264213Method and system for registering off-line response cards - Every off-line response card to be registered comprises a card ID identifying the off-line card uniquely. In the registering process the card ID of a first off-line response card is read and a virtual user ID associated with the card ID of the first off-line response card is obtained. Afterwards, the obtained virtual user ID, for example, can be associated with card IDs of any subsequent off-line response card.10-21-2010
20100264212CARD PERSONALIZATION SYSTEM AND METHOD - A system and method for personalizing cards and other secure identification documents. The card personalization system and method provide improved data integrity, system reliability, and system performance. Improvements to card handling and processing within the modules, improved card transfer between modules, improvements to control of the modules, and other improvements are set forth, all of which contribute, individually and collectively, to achieving these goals.10-21-2010
20100264211MAGNETICALLY COUPLING RADIO FREQUENCY ANTENNAS - The present disclosure is directed to a system and method for using magnetically coupled antennas to enhance receptivity and/or reading range of radio frequency (RF) transaction devices. In some implementations, a method for boosting RF signals includes wirelessly receiving an RF signal from a transaction terminal at a passive antenna. The passive antenna is magnetically coupled to the antenna of a transaction card. The transaction card is inserted in a mobile host device and configured to execute a payment application using user credentials in response to at least a transaction request and transmits at least one transaction response to the transaction terminal based, at least in part, on the executed transaction application and using the antenna either standalone or through the coupled antenna configuration. The RF signal is transmitted to the transaction card using the inductive coupling with the terminal.10-21-2010
20100258623FLAT CARD PRODUCTION SYSTEMS AND METHODS - Systems and methods for producing a presentation instrument involve receiving an image file having an account number stamp, and producing the image file onto a piece of stock material, such that a visible account number corresponding to the account number stamp is created on the stock material. The visible account number is scanned with a reader. An account number record is encoded onto a presentation instrument, and compared with the scanned visible account number.10-14-2010
20100243730SYSTEMS AND METHODS RELATING TO MULTI CURRENCY CARD - Systems and methods allow changing a default currency of a multi-currency card. The default currency may be changed by: (1) accessing a database of card numbers associated with currency identifies that indicate the currencies in which payments may be processed for a the multi-currency card to retrieve currency-change rules that apply to the multi-currency card; (2) determining circumstances of how the multi-currency card is to be used; (3) applying the currency-change rules retrieved for the multi-currency card to the determined circumstances; (4) choosing, based on the currency-change rules and the circumstances, a favorable default currency; and (5) changing the default currency of the multi-currency card to the favorable default currency. The default currency defines a currency in which transactions on the card are transacted.09-30-2010
20090127332SYSTEM FOR PROCESSING PAYMENT EMPLOYING OFF-LINE TRANSACTION APPROVAL MODE OF MOBILE CARD AND METHOD THEREOF - Provided is a payment processing system and a method thereof employing an off-line transaction approval mode of a mobile card. Card information and off-line transaction approval information is contained in a mobile device such as a cellular phone which us used as a mobile card. A server in a card issuing company computer center registers a Black List (B/L) on a corresponding card of the mobile device through an On-The-Air (OTA) function at the time when a Black List (B/L) item occurs. Accordingly, the mobile device confirms whether or not the card is included in the Black List (B/L) at the time of using the card for transactions. The mobile device communicates with a card reader in a card affiliated shop only when the card can be used for payment of transactions. If the card transaction meets the off-line approval conditions such as an amount of transaction money and the number of times of using the card, the card transaction is approved, and then the transaction detail is stored in the card reader to then transfer the stored transaction detail to the card issuing company in a batch style for exact calculation. Accordingly, a card approval cost and a card approval time can be reduced. The card can be applied in a petty transaction market which made it difficult for the card issuing company to be applied because of an approval cost and time.05-21-2009
20090127334Method for Processing Settlement by VoIP Terminal and Recording Medium - Provided are a method for processing settlement by a VoIP terminal having a card reader and a plurality of communication units and a recording medium thereof. In the method, a card transaction message containing card transaction data is received through a first communication medium among a plurality of communication media. When the card transaction message is received, the card transaction data is output and card data for the card transaction processing is read through the card reader. Transaction request data containing the card data and the card transaction data is generated, and the generated transaction request data is transmitted to a card transaction server on a communication network through a second communication medium among the communication media.05-21-2009
20090127331Settlement system using card settlement terminal - Proposed is a settlement system and method capable of enhancing reliability. This settlement system for performing card settlement based on card information that is read from a card by a card settlement terminal or input into the card settlement terminal by external operation includes an imaging unit for taking an image of a user of the card during the card settlement, and an image accumulation unit connected to the imaging the via a network and for storing and managing image data. The imaging unit sends image data of the card user obtained by the imaging to the image accumulation unit via the network, and the image accumulation unit searchably stores and manages the image data sent from the imaging unit.05-21-2009
20090127330Method for controlling the production of an apparatus for making drinks - A method for controlling the production of an apparatus for making drinks which is adapted to be used with a predetermined type of product container has the steps of organising containers in a plurality of packages (05-21-2009
20090127329Method for Making Secure a Transaction With a Payment Card, and Center for Authorizing Implementation of Said Method - The invention proposes a method for the securing of a transaction effected by means of a payment card and involving communication with an authorisation centre.05-21-2009
20080314976CARD WITH EMBEDDED BISTABLE DISPLAY HAVING SHORT AND LONG TERM INFORMATION - A transaction card system includes a transaction cared with a display tag for displaying short term information, the character display having optical states that are stable without power and viewable from one side of the display tag and an array of electrical contacts for electrically addressing the character display from the other side of the tag, a contact window through which the contacts are accessible, machine readable data on the card, and long term information printed on the transaction card; a transaction card writer having a reader for reading the machine readable data and having means for updating the short term information displayed on the transaction card; and a central computer connected to the transaction card writer having a data base and a central processor for receiving the information read by the magnetic card reader and generating display commands for the transaction card writer.12-25-2008
20080314974DATA STORAGE AND ACCESS SYSTEMS - Data storage and access systems are described for downloading and paying for data such as audio and video data, text, software, games and other types of data. A portable data carrier has an interface for sending and receiving data, non-volatile data memory for storing received content data and non-volatile payment validation memory for providing payment validation data to an external device. The carrier may also store a record of access made to the stored content, and content use rules for controlling access to the stored content. Preferred embodiments store further access control data and supplementary data such as hot links to web sites and/or advertising data. A complementary data access terminal, data supply computer system and data access device are also described. The combination of payment data and stored content data and, in preferred embodiments, use rule data, helps reduce the risk of unauthorized access to data such as compressed music and video data, especially over the Internet.12-25-2008
20080314973SYSTEM AND METHOD FOR CONFIGURING A MEDICAL DEVICE - In one embodiment a medical device comprising an interface, a portable component and a controller is provided. The interface is configured for receiving identification data of a user, the portable component is configured for storing configuration data and the controller is configured for retrieving the configuration data based on the identification data and for configuring the medical device based on the configuration data.12-25-2008
20080223922MONITORING OF STORED-VALUE-INSTRUMENT USAGE - Methods and systems are disclosed of executing a financial transaction that enable enhanced usage monitoring. Funds are received from a buyer for purchase of a single-load stored-value instrument. The single-load stored-value instrument is associated with a predefined value amount. Buyer identification information that identifies the buyer is received. The buyer identification information is stored in association with the stored-value instrument. The stored-value instrument is validated for use in making purchase by drawing from value associated with the stored-value instrument.09-18-2008
20080308625INTELLIGENT CREDIT CARD SYSTEM - A new credit card system which enables improved reading and other operations. Reading can be done in the short edge of the credit card thereby shortening the aspect ratio and size of the card reader. The reader can be electrical, reading information via contacts, or can be optical readers.12-18-2008
20080283595Authentication Information Management System, Authentication Information Management Server, Authentication Information Management Method and Program - There is provided an authentication information management system including: an information processing terminal mounted with an IC chip capable of non-contact communication with a reader/writer; and an authentication information management server capable of communication with the information processing terminal, wherein the information processing terminal includes: a plurality of memory areas provided in the IC chip for each of functions of the IC chip; and a plurality of applications for achieving each of the functions of the IC chip, and the authentication information management server includes: an authentication information setting portion for setting authentication information in the first memory area in response to a request sent from the first application of the information processing terminal; and an authentication information notifying portion which in response to a request sent from a second application of the information processing terminal, notifies the second application of the authentication information of the first memory area.11-20-2008
20080272191IDENTIFICATION CARD HOLDER WITH FLASH MEMORY CARD READER - An identification card holder with flash memory card reader has a body and a card reader module. The body has an identification card holder and a card reader side. The identification card holder holds a personal identification card. The card reader module is formed on the card reader side, is a flash memory card readable and is an audio file playable processing unit.11-06-2008
20080203154Access to a remote machine from a local machine via smart card - A method and apparatus for accessing a remote machine from a local machine via a smart card. In one embodiment, the presence of the smart card coupled to the local machine is detected. A card reader reads the credentials from the smart card and communicates them to a remote access client application of the local machine. The remote access client application transmits the credentials to the remote machine. The remote machine sends a query for login information to the local machine upon valid credentials. The local machine transmits the login information to the remote machine and is granted permission to access the remote machine upon valid login information.08-28-2008
20080203156SYSTEM AND METHOD FOR TRANSACTION CARD ELECTRONIC MESSAGING - A system and method for delivering electronic messages automatically to transaction cards. The transaction cards are capable of rendering electronic messages from a server using a transaction activated connection. This system can be used to automatically deliver user specific information such as calendar, reminder, or e-mail information to a person scanning their card in, for example, a building where scanning a badge is required to enter the building. Alternatively, the system can be used to automatically deliver public information to a user such as advertisements to a render-capable transaction card which includes, for example, a calling card, a credit card, or a public transportation access card.08-28-2008
20080203152AUTHENTICATION OF A DATA CARD USING A TRANSIT VERIFICATION VALUE - Transaction processing involves receiving data from an access transaction application of a portable consumer device, wherein the received data comprises data from an access transaction data string that includes a transit verification value wherein, with the exception of the transit verification value, the access transaction data string is substantially similar to a retail data string comprising retail data, wherein the access application data string is adapted for use with an access transaction processing system and the retail data string is adapted for use with a retail processing system. The transaction processing involves processing access transaction application data for selective authorization of the transaction.08-28-2008
20080203153Method and system for engaging in a transaction between a consumer and a merchant - Disclosed is a method for engaging in a transaction between a consumer and a merchant. In particular, the present invention is directed to a method and system for providing instant credit by a credit issuer to the consumer at a point-of-sale of the merchant. In addition, the present invention is directed to a method and system for identifying at least one optimal credit product from a plurality of credit products of at least one credit issuer to a consumer.08-28-2008
20080203151VERIFICATION OF A PORTABLE CONSUMER DEVICE IN AN OFFLINE ENVIRONMENT - A portable consumer device includes a base, and a computer readable medium on the base. The computer readable medium comprises code for an issuer verification value and a supplemental verification value. The issuer verification value is used by an issuer to verify that the portable consumer device is authentic in an on-line transaction and the supplemental verification value is used to verify that the portable consumer device is authentic in an off-line transaction.08-28-2008
20110163158SYSTEM AND METHOD FOR PERSONALIZING A CARD - Systems and methods for personalizing data card are disclosed. One embodiment includes a card receiver configured to receive one or more data cards, a control system connected to the card receiver, the control system configured to receive personalization information, an encoder system connected to the control system, the encoder system configured to encode the one or more data cards with at least some portion of the personalization information, a card reader connected to the control system, the card reader configured to read magnetic fingerprint information from the one or more data cards, and the control system configured to store the magnetic fingerprint information.07-07-2011
20110163157MACHINE FOR PERSONALISING SMART CARDS AT HIGH RATE - The personalisation machine for smart cards (07-07-2011
20120031969INTEGRATION OF VERIFICATION TOKENS WITH MOBILE COMMUNICATION DEVICES - Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is communicatively coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computer's display, or may display the value to the user using the computer's display.02-09-2012
20110079644SYSTEM AND METHOD FOR MERCHANT INTERACTION WITH AND TRACKING OF THE SECONDARY GIFT CARD MARKETPLACE - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for tracking a secondary gift card marketplace. A system configured to practice the method collects data related to a secondary market, which includes a transaction associated with a gift card, the transaction not involving an issuer of the gift card, processes the collected data, and presents at least a portion of the processed collected data to a merchant in a user interface. Gift cards can include at least one of gift cards and gift codes. The collected data can further include a plurality of transactions associated with gift cards. In one aspect, each gift card transaction in the plurality of gift card transaction does not involve an original issuing merchant of a gift card. The collected data can further include at least one of pricing, demographic, geographic, and other information related to the gift card transactions.04-07-2011
20090095808METHOD FOR MANUFACTURING A PORTABLE PAYMENT TERMINAL, CORRESPONDING TERMINAL, DEVICE AND BATTERY - A method is provided for manufacturing a payment terminal. The method includes: obtaining a dedicated battery with a predetermined complex shape adapted for cooperating with the shape of at least one other adjacent component of said terminal; and assembling the components of said terminal, including positioning said battery in an imbricated way with said adjacent component(s).04-16-2009
20130193206COMPUTED RADIOGRAPHY LICENSE METHOD AND SYSTEM - A method for licensing a system for obtaining an X-ray image of a subject. The system employs flexible information carrier plates for computed radiography, which are exposed to X-rays and then scanned in a scanner. A license media is provided with a RFID transponder, which stores in its memory identification information referring to the system components as well as information referring to an amount of valid licenses available for use of the system components. When the identification information stored in the memory of the license media RFID transponder matches the identification information transmitted to the scanner by a processing and acquisition station the carrier plates are scanned automatically.08-01-2013
20110089232SYSTEM AND METHOD FOR AUTOMATED SELECTION OF TESTING CRITERIA FOR PAYMENT DEVICES - System and methods for generating one more tests to be performed on a payment device are provided. A vendor selects one or more features to be included in his payment device and provides that information to the system. The system analyzes the information and provides a list of tests to be performed on the reference payment device. In addition, the system also provides a list of one or more reference payment device configurations provided for testing purposes.04-21-2011
20110042456Method and System of Electronic Payment Transaction, In Particular By Using Contactless Payment Means - A method of electronic payment transaction is characterized by the fact that during processing of one payment transaction, a communication link (02-24-2011
20110073642CUSTOMER INTERACTION MANAGEMENT FOR AN AUTOMATED INTERACTIVE CUSTOMER INTERFACE FOR AN AUTOMOTIVE FACILITY - A system for interacting with onsite customers at an automotive facility when operating personnel normally present at the facility are not present, such as after hours. The system may comprise a free-standing kiosk having a data input interface device and data processing capabilities. The data processing capabilities may enable a customer to initiate transactions such as service transactions, lease transactions, and purchase transactions. The automotive facility may have an onsite server linked to the kiosk but located out of view therefrom. The kiosk and onsite server may be connected to the internet and may be functional to conduct transactions in whole or in part over the internet.03-31-2011
20110095086APPARATUS, METHOD AND SYSTEM FOR FACILITATING PAYMENT OF MONETARY TRANSACTIONS - An apparatus, method and system for facilitating payment of a monetary transaction using a card device, the card device comprising a microchip for storing encrypted information including a denomination-specific balance having a plurality of selectable digital monetary amounts associated with a plurality of selectable denominations and a denomination non-specific balance, wherein the card device is rechargeable with further monetary amounts and allows a balance of a transaction to be credited to the card.04-28-2011
20100176193OPT IN SYSTEM AND METHOD - A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured to receive a financial transaction request message from a payment device reader, and parse the financial transaction request message. The financial transaction request message includes a cardholder response to an offer to enroll in a loyalty program of a commercial entity. The processor is further configured to store the cardholder response in the computer readable storage medium.07-15-2010
20130008955System and Method of Multiple Smart Card Driver Support - By thoroughly investigating compatibility of a plurality of smart card drivers to applications available on a given smart card, a smart card framework module may be afforded additional flexibility in communications with the smart card. The additional flexibility is allowed by additional checking with a plurality of smart card drivers before communicating with the smart card, rather than simply using the first compatible smart card driver found. Furthermore, when employing an application available on the given smart card, a correct smart card driver is to be selected from among the plurality of smart card drivers.01-10-2013
20130008954METHOD AND APPARATUS FOR ACCESSING ELECTRONIC DATA VIA A FAMILIAR PRINTED MEDIUM - The disclosed methods and apparatus relate generally to the electronics media industry, such as cable television (CATV), home shopping services, on-line computer services and computer memory applications. These methods and apparatus allow a user to access and make use of electronic media input and output devices by reference to and/or utilization of standard printed matter, such as magazines, textbooks, or any other printed matter that can be correlated to electronic media.01-10-2013
20130126608WIRELESS TRANSACTION MEDIUM HAVING COMBINED MAGNETIC STRIPE AND RADIO FREQUENCY COMMUNICATIONS - A wireless financial transaction instrument, such as a card, has a magnetic stripe, a display, and an on-board power supply, such as a battery, and is usable with a dual capture point of sale terminal. Information is received by such a terminal from the card wirelessly, and also from the magnetic stripe, and the data received contactlessly is preferably used to verify that read from the stripe. The display can display the account number on command, or to display a current balance, or amount of credit remaining, or any combination of these items of information.05-23-2013
20090127333SMARTCARD, TELEPHONE COMPRISING SUCH A CARD AND METHOD FOR EXECUTING A COMMAND IN SUCH A CARD - A smartcard (05-21-2009
20080217399System and method for controlling usage of a payment card - A system and method for controlling usage of a payment card by a cardholder using a cardholder telephony device is provided. The cardholder registers the payment card and the cardholder telephony device and defines cardholder default limits for the card. During subsequent usage of the card, an authorization computing device connected to the cardholder telephony device by a network verifies that the default limits for the card are not exceeded. If the default limits are exceeded, then a cardholder authorization for the usage of the card must be provided by the cardholder form the cardholder telephony device. The cardholder may also pre-authorize usage of the card in excess of the default limits.09-11-2008
20110186629Method For The Authentication Of Dosage Forms - The present invention relates to a method for the authentication of dosage forms such as tablets, in particular pharmaceutical tablets, by reading, i.e. detecting, code structure from the tablet, reading additional information from the package or on an information sheet, and then comparing the readings to verify authenticity. The code structure may be randomized on a plurality of tablets disposed in identifiable locations in a shared package such that the detected code structures define a unique digital signature for the package of tablets.08-04-2011
20110147452PAYMENT SYSTEM - A payment system for paying money in the Internet is provided. The system includes an IC card, wherein the IC card has a circuit for transforming a signal into a USB signal and a USB interface; a USB port of a computer, wherein the USB interface of the IC card communicates with the USB port; a front-end trade platform, the IC card communicates with the front-end trade platform through the computer and the Internet; and a back-end trade platform, wherein the back-end trade platform has a program to perform a small amount of money payment process that does not perform an identification process to identify a holder of IC card.06-23-2011
20100025462METHOD OF PROVIDING AND PROCESSING A PLURALITY OF STORED-VALUE CARDS - A method of providing and processing a plurality of stored-value cards includes providing a stored-value card assembly including the plurality of stored-value cards in a housing. The plurality of stored-value cards includes a first stored-value card and a last stored-value card. Each of the plurality of stored-value cards is associated with a different account identifier linking each one of the plurality of stored-value cards to a different financial record or account. The different account identifiers collectively define a series of account identifiers. The method further includes scanning the different account identifier associated with the first stored-value card using a point-of-sale terminal, and scanning the different account identifier associated with the last stored-value card using the point-of-sale terminal. The housing indicates which of the different account identifier associated with the first stored-value card and the last stored-value card should be scanned first. Other card assemblies and associated methods are also disclosed.02-04-2010
20110215145METHOD OF DISPENSING A PRODUCT - A method of dispensing a product is disclosed. The product has associated packaging. The packaging has disposed thereon coded data. The coded data is indicative of an identity of the product. The coded data is sensed by a sensing device and indicating data indicative of the identity of the product is generated based on the sensed coded data. The coded data is arranged in accordance with a layout having n-fold rotational symmetry. The layout including n sub-layouts rotated 1/n revolutions apart about a center of rotation. A processor receives the indicating data from the sensing device and determines at least one criterion for dispensing the product. The processor causes the product to be dispensed when the at least one criterion is satisfied.09-08-2011
20110215144ADVANCED CARD MERGE MACHINE - Advanced card machines and associated card merge methods are provided. A form may be provided from a first supply of forms to a first track that is configured to advance the form. A foldable payment card may be selected from a second supply of foldable payment cards, wherein the selection of the payment card does not result in the payment card being folded. The selected payment card may be advanced, without folding the payment card, along a second track to a position in which the payment card is supplied to the form Additionally, an adhesive may be applied to one of the form or the payment card, and the adhesive may attach the payment card to the form when the payment card is supplied to the form.09-08-2011
20100019032MULTI-USE MEMORY CARD WITH DISPLAY UNIT - A storage device storing a plurality of pieces of authentication information is provided. The storage device includes a display allowing a user to determine the authentication information stored in the storage device and to select desired authentication information from among the authentication information displayed thereon. The store device performs authentication processing on the authentication information selected by the user. The storage device may be a memory card having a display. The memory card may be used for various use purposes by changing information displayed thereon according to a desired purpose.01-28-2010
20100019030SYSTEM AND METHOD FOR PROCESSING EXPIRATION DATES FOR PREPAID CARDS - A prepaid card processing system is operable for processing customized expiration dates of prepaid cards. The prepaid card processing system includes a database for storing program expiration parameters associated with an issuer prepaid card program; a set of card accounts created under the issuer prepaid card program, wherein each card account has an expiration date for a prepaid card associated with the card account; and one or more customized expiration parameters for the set of card accounts. The prepaid card processing system is operable to determine the expiration date for the prepaid card associated with the card account based on the program expiration parameters and the customized expiration parameters for the set of card accounts.01-28-2010
20090266881DEVICE INCLUDING FORM FACTOR INDICATOR - A consumer device is disclosed. The device comprises a body, and a memory comprising a computer readable medium disposed on or within the body. The computer readable medium comprises a form factor indicator element coupled to the body. The form factor indicator element indicates the form factor for the consumer device.10-29-2009
20080308624Advance remote payment authority for real and virtual world transactions - A payment card system for use in remote transactions wherein a cardholder may create additional accounts subsidiary to a principal payment card, each such account having its own unique payment card number compliant with existing standards and protocols and each credited in advance by transfer from the principal account with a specified amount available either to meet modest or mini payments below a specified level and otherwise only to meet the cost-of purchases from specified merchants, whilst disabling the principal payment card from being used in remote transactions, such that a variable payment card account number is used for each transaction, the principal payment card numbers are not at any time at risk, merchants may be certain of payment without possibility of repudiation of the transaction without needing to identify the cardholder, and thereby enabling remote anonymous transactions to take place both in the real world and in a virtual world.12-18-2008
20110101093DEVICE AND METHOD FOR GENERATING DYNAMIC CREDIT CARD DATA - A portable electronic device adapted to be attached to a computer through a keyboard input port, the portable device having means to generate and automatically output authentication data on request by a user. The output data comprises a by the device generated dynamic code and the code can be automatically inserted into at least one pre-defined field in a credit-card transaction process form.05-05-2011
20090057399ELECTRONIC SECURITY SYSTEM FOR MONITORING AND RECORDING ACTIVITY AND DATA RELATING TO INSTITUTIONS AND CLIENTS THEREOF - A tracking system for use in identifying individuals of a group, each of the individuals having an associated data set indicative of the identity of those individuals, includes an electromagnetic identification apparatus configured with each of the individuals for providing an electromagnetic identification signal indicative of the content data set of that apparatus; a writer for use in encoding the electromagnetic identification signals with signals indicative of the individual onto the electromagnetic identification apparatus; a controller for receiving the encoded signals and for storing the encoded signals in a master database storage apparatus; and a reader remotely positioned from the controller and configured for communicating with the electromagnetic identification apparatus and receiving the encoded signals therefrom corresponding to the content data signal set, the reader also for providing the controller with signals indicative of the same.03-05-2009
20090173785Universal Credit Card Apparatus and Method - The apparatus and method described herein provides for creating multiple spatial patterns, such as magnetic patterns on credit cards. The invention includes storage of information from which patterns may be created, a pattern creation device for creating the spatial patterns, and control whereby the information which is stored is selectively utilized to cause the pattern creation. This allows multiple desired patterns to be simulated, allowing convenient replacement of a number of separate pattern carrying devices.07-09-2009
20090173784METHOD AND SYSTEM FOR PERFORMING A CARD-PRESENT TRANSACTION USING IMAGE CAPTURE ON A PORTABLE DEVICE - Some embodiments of the present invention provide a system that processes a financial transaction involving a portable device and a transaction server. During operation, the system obtains transaction data associated with the financial transaction that includes a transaction amount, credit card information, and an image of a credit card. The system then sends the transaction data to the transaction server using the portable device. Next, the system verifies a card-present transaction using the transaction data and determines a validity of the transaction data. If the transaction data is valid, the transaction server processes the financial transaction and sends an authorization code confirming the financial transaction to the portable device.07-09-2009
20100019033CONTACTLESS INTERFACE WITHIN A TERMINAL TO SUPPORT A CONTACTLESS SERVICE - In a mobile terminal, a contactless interface is defined between a secure element and a contactless function (CLF) module, which allows a contactless service to be performed with an external device. The secure element may be a type of smart card and the external device may be an access gateway for transportation, a point-of-sale (PoS) terminal, or some other application for the user.01-28-2010
20120031968Printing apparatus - A charging processing unit calculates a pre-charged amount of money based on print conditions and charges the calculated pre-charged amount of money to a card through a card reader. A job control unit starts a print job to print until a penultimate page, when pre-charging is finished. Further, when an accumulated amount of money is specified by generating image data of the final page and the accumulated amount of money is smaller than the pre-charged amount of money, the printing is stopped before the final page is printed. The charging processing unit causes an UI control unit to display a message requesting to place the card again. When the card is placed in response to the message and pieces of the card information matches each other, a refunding process is carried out. The job control unit restarts printing the final page after a refunding process.02-09-2012
20100213253All in One Card - The invention comprises arrangement and methods for contact- and contactless-services, e.g. payments, money transfer, electronic tickets or identity cards. A card comprises a point of service interface for communication with a point of service, a card database, a mobile terminal interface for connect the card to a mobile terminal connectable to a telecommunication network. The card database can be controlled by the mobile terminal. The card database is configured for storing data and the card data can be accessed via the point of service interface. The date stored in the card database relates to e.g. bank cards, credit cards, identification, tickets, electronic money, identification 15 cards. The invention also comprises a mobile terminal (MT) suitable for communication with the card described.08-26-2010
20120305645Card Reader Device and Method of Use - In one embodiment, a card reader device includes: a read head configured to generate a signal indicative of data stored on a magnetic stripe of a card, an output plug, adapted to be inserted into a headset jack of a mobile host device, configured to communicate an output signal indicative of data stored on the magnetic stripe to a microphone input of the headset jack of the mobile host device; and circuitry configured to set the amplitude, which includes attenuation by at least a resistor, of a signal communicating said data included in the signal indicative of data stored on the magnetic stripe generated by the read head resulting in the output signal indicative of data stored on the magnetic stripe. In one embodiment, the circuitry includes decoding circuitry configured to decode the signal indicative of the data stored on the magnetic stripe.12-06-2012
20120305644SYSTEM AND METHOD FOR POINT OF SERVICE CARE ACCOUNTABILITY, MONITORING AND REPORTING - A system is disclosed for insuring accountability of a provider at a point of service. The system comprises a card holder identification card having a printed code identifying the card holder. A processing device at the point of service is programmed to read the card holder's code and establish communication with the code server to transfer the card holder's code to the code server. The code server is programmed to compare the received code to the code database and return the address corresponding to the received code to the processing device. The processing device is programmed to use the return address to download the personal identification information defining card holder eligibility for display at the point of service and thereafter the processing device communicates with the application database indicating one performance of the service begins and ends.12-06-2012
20120305643System and Method for Determining Eligibility of a Card Holder at a Point of Service - A system and method are disclosed for determining eligibility of a card holder at a point of service by accessing personal identification information stored at a select application database. The system comprises a card holder identification card having a printed code identifying the card holder. A code server comprises a code database correlating card holder specific code record IDs and corresponding addresses associated with the select application database for providing personal identification information defining card holder eligibility. A processing device at the point of service is programmed to: read the card holder's printed code; convert the card holder's print code to a code record ID; and establish communication with the code server to transfer the card holder's code record ID to the code server. The code server is programmed to compare the received code record ID to the code database and return the address corresponding to the received code record ID to the processing device. The processing device is programmed to log onto the application database and use the returned address to download the personal identification information defining card holder eligibility for display on the processing device at the point of service.12-06-2012
20080314975Proximity Card Function Content Distribution System and Proximity Card Function Content Distribution Method - In a proximity card function content distribution system of the invention, an IP-side apparatus 12-25-2008
20090078761Financial and similar identification cards read by magnetic swipe card readers and methods relating thereto - Apparatus forming a portable charge, debit or similar identification card which can be read using a magnetic card reader and methods for securing information are described. The preferred apparatus includes a magnetic stripe for storing information, a jamming assembly configured to emit a jamming signal which temporarily renders at least a portion of the magnetic stripe unreadable when the card is swiped through the card reader without first entering correct authentication data, and a power source adapted to supply power to the jamming assembly. Other features are also disclosed.03-26-2009
20120061466Switching Between Internal and External Antennas - The present disclosure is directed to a system and method for switching between internal and external antennas. In some implementations, a system includes an antenna, a connector, and a housing. The antenna is configured to communicate wirelessly transactions with transaction terminals. The connector is connected to the antenna and configured to connect a transaction card to the antenna in response to at least insertion in the housing. The housing enclosing at least a portion of the antenna and at least a portion of the connector and including one or more elements that form an opening for receiving the transaction card. In addition, the housing is substantially rectangular and includes a first portion with a first thickness and a second portion with a second thickness different from the first thickness and at least the thickness of the transaction card.03-15-2012
20120061465NEAR FIELD COMMUNICATION DEVICE, AUTHENTICATION SYSTEM USING THE SAME AND AUTHENTICATION METHOD THEREOF - A near field communication (NFC) device, an authentication system using the NFC device and an authentication method thereof are provided. The NFC device includes a RFID tag, a loop antenna, a flexible fabric packaging material and an EMI shielding material. The device can be easily adhered to objects including most handsets for mobile phone services. By adopting the authentication system and the authentication method, the device can be paired with a typical mobile phone and used to authenticate the user, thereby enabling mobile payment and mobile banking activities using mobile phones.03-15-2012
20110315763Dynamic Remote Peripheral Binding - Disclosed are systems and methods of dynamic remote peripheral binding. In one embodiment, such a system includes a local system (12-29-2011
20110315762ELECTRONIC PAYMENT INSTRUMENT AND PACKAGING - Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device.12-29-2011
20120055988ENCODED INFORMATION READING TERMINAL WITH MULTI-BAND ANTENNA - An encoded information reading (EIR) terminal can comprise a microprocessor, a memory communicatively coupled to the microprocessor, an EIR device, a multi-band antenna, and a wireless communication interface. The EIR reading device can be provided by a bar code reading device, an RFID reading device, and/or a card reading device. The EIR device can be configured to output raw message data comprising an encoded message and/or output decoded message data corresponding to an encoded message. The wireless communication interface can be configured to support at least two wireless communication protocols. The multi-band antenna can be configured to simultaneously receive two or more radio signals in two or more frequency regulatory domains. The EIR terminal can be configured to dynamically select a wireless communication network and/or a wireless communication protocol by optimizing a value of a wireless communication protocol selection criterion which can be based on said two or more radio signals.03-08-2012
20120055989APPARATUS AND METHOD FOR COMMERCIAL TRANSACTIONS USING A COMMUNICATION DEVICE - An apparatus for effecting commercial transactions with a server using a transaction card via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information from the transaction card and a controller for converting the captured card information into an encrypted audio signal and for transmitting the audio signal to the communication device. The communication device delivers the audio signal to the server for processing the commercial transaction.03-08-2012
20080290159System and Method for Recording Attendance in Restricted Areas, Recording Personnel Involved in an Emergency Medical Situation, and Displaying Victim's Critical Medical Information - A system and method for recording personnel involved in an emergency medical situation and displaying a victim's critical medical information. There is a portable data storage device such as an RFID chip that is adapted to be worn on the person and containing personal identification and medical information of authorized personnel. There is also a portable data storage device reader such as an RFID reader that reads at least medical information from a portable data storage device. A portable display device such as a PDA displays at least the medical information read from a portable data storage device.11-27-2008
20110155804Methods, smart cards, and systems for providing portable computer, VOIP, and application services - A smart card is used with a network based system to providing portable telecommunication and computing services. In an exemplary embodiment the smart card holds a user authentication code and user telephony account information. The smart card transfers the user authentication code and the account information to one of a plurality of geographically dispersed card readers which are each connected to a local telephony device. When the smart card is plugged into a first card reader, telephone calls directed to the smart card user's follow-me telephone number are received at a first local telephony device. When the smart card is plugged into a second smart card reader, telephone calls directed to the follow-me telephone number are received at a second telephony local device. Hence the user is enabled to receive and place calls using any of the geographically dispersed telephony devices as though they were his/her own personal landline or cellular telephone supplied by his/her telephony services provider.06-30-2011
20110155803USER-SPECIFIC PERSONALIZATION OF VEHICLE FUNCTIONALITY - A system is described for personalization of vehicle operations. The system includes a smart card reader and a vehicle computer system. The smart card reader reads user-specific personalization information from a smart card corresponding to a user of the smart card within the vehicle. The vehicle computer system receives the user-specific personalization information from the smart card reader and implements user-specific functionality within the vehicle based on the user-specific personalization information.06-30-2011
20090001160SYSTEM AND METHOD FOR IMPROVING SMART CARD READER RECONNECTIONS - Communications between a computing device and a smart card reader configured for communication with a smart card are facilitated through the use, by the computing device, of a smart card resource manager and a smart card reader service. The smart card reader service acts as a relay for commands between the smart card resource manager and the smart card reader. Appropriate configuration of the smart card reader service obviates a redundant downloading of certificates from smart card to computing device subsequent to loss of a connection between the computing device and the smart card reader. However, upon re-establishing a previously lost connection to a smart card reader and determining that a communication link between a smart card and the smart card reader has been ended and reestablished during the loss of connection, the smart card reader service may indicate to the smart card resource manager that smart card is absent and, subsequently, that the smart card is present.01-01-2009
20120006891FACILITATING MOBILE DEVICE PAYMENTS USING PRODUCT CODE SCANNING - Provided are computer implemented methods and systems for facilitating mobile device payments using barcodes displayed on mobile devices and scanned by merchants at checkout counters. When a customer is ready to tender a payment to a merchant, instead of using a credit card, cash, or check, the customer activates an application on his mobile device. The mobile device includes or obtains information about the payment system of this merchant. Furthermore, the mobile device includes or obtains information about the customer/mobile device user and then uses these two pieces of information to generate and display a barcode that encodes customer payment information specific to this merchant. The barcode is scanned at the checkout counter and processed to retrieve customer records from a database of the payment processing system. These records are then used to transfer funds between the merchant and customer, obtain discounts, and/or perform other retail transactions.01-12-2012
20120012654METHODS FOR PROVIDING STAND-IN SERVICES FOR TRANSACTION CARD CUSTOMIZATION - The present invention is directed to methods for providing stand-in services for transaction card customization, wherein a transaction card franchiser provides the stand-in services for the transaction card issuer with regard to transaction card applicant email notification with respect to approval/rejection decisions and/or billing the transaction card applicant for the cost of a new transaction card on behalf the transaction card issuer.01-19-2012
20120104094PROXIMITY INTEGRATED CIRCUIT CARD READER - A proximity integrated circuit card reader including a transmitter, transmitting energy within a proximity integrated circuit card reading volume, a receiver, receiving a signal from a proximity integrated circuit card located within the proximity integrated circuit card reading volume and a controller operative in a card presence sensing mode for sensing, but not reading, a card located within the proximity integrated circuit card reading volume and, responsive to sensed probable card presence, operative in a card reading mode for reading a card located within the proximity integrated circuit card reading volume.05-03-2012
20090078758SYSTEMS AND METHODS FOR CARDLESS TRANSACTIONS USING A TELEPHONE NUMBER - This disclosure describes, generally, methods and systems for performing cardless financial transactions using a telephone number. The method may include registering a customer's telephone number with a financial account of the customer based at least in part on verification of the customer's identity and prompting the customer to enter into a cardless transaction. The method may further include receiving the entered telephone number and personal identification number (PIN). The method may further verify the entered telephone number by comparing it to the registered telephone number, and in response to verification of the entered telephone number, retrieve account information for the financial account. The method may further include verifying the entered PIN by comparing it to a corresponding PIN associated with the financial account, and granting access to the financial account based on verification of the entered telephone number and PIN.03-26-2009
20110049235Method and Device for Identifying and Authenticating Objects - The invention relates to a process for identifying and authenticating an object. The object includes an identifier which has a code region and a scattering region and is irradiated with electromagnetic radiation for identifying and/or authenticating the object, in such a manner that the electromagnetic radiation reflected by the code region is used for identifying the object and the electromagnetic radiation reflected by the scattering region is used for authenticating the object. In addition, the invention relates to a device for the parallel identification and authentication of an object03-03-2011
20110049234CARD SURFACE READING/INSTRUCTION EXECUTING METHOD - Both an information output device (a stage chassis) having a touch panel and other dot pattern reading devices can use a card, and one card can provide two types of information. To provide a card with such excellent convenience and flexibility, a technique to read a card surface and a technique to execute an instruction corresponding to the read card surface are realized. On the front surface and the back surface of the card, dot patterns are formed. The dot pattern is made into a pattern with an application ID which specifies an application related to each surface, a card surface number which specifies a card surface, and XY coordinates. With this, a method for reading a card surface and executing an instruction, which can execute different applications related to the front and back surfaces of the card is provided.03-03-2011
20090261161SELECTABLE MULTI-PURPOSE CARD - A selectable, multi-purpose card comprising a plurality of features stored in memory means operatively mounted on the card and selection means for allowing a user to select a feature in a few simple steps, preferably in a single step. In one embodiment the card includes a plurality of magnetic strips positioned on the card in a manner to allow swiping each magnetic strip separately using conventional reading devices. Each magnetic strip activates a different feature of the card. In another embodiment the card includes a programmable magnetic strip, a plurality of features stored in memory means mounted on the card, a plurality of buttons or contacts, and means for programming the magnetic strip with a different card feature. The card may also include a thin, flexible display.10-22-2009
20100096450Shopping Cart With Multifunctional Data Tag Reader - A shopping cart includes a receptacle for holding shopping items, a memory storing a shopping cart identity and an optical reading device mounted to the shopping receptacle. The optical reading device is configured for reading coded data tags on a user identity card and on shopping items placed in the receptacle. The shopping cart also includes a computer system configured for associating a user identity with the shopping cart identity and updating a shopping list using the determined identities of the shopping items. The coded data tags on each shopping item and the coded data tags on the user identity card are of the same type so as to both be readable by the optical reading device.04-22-2010
20120118953Wireless Mobile Communicator For Contactless Payment On Account Read From Removable Card - A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on the account with the wireless mobile communications apparatus. A total currency amount for the transaction, and remaining balance in the account after the transaction, can be displayed on a display screen of the wireless mobile communications apparatus. The removable card can be a gift card bearing a magnetic strip having an identifier for the account encoded thereto that will be read when inserted into the wireless mobile communications apparatus which can be a cellular telephone or Web enabled portable device. The magnetic strip gift card can be substantially composed of paper so as to be intended for disposable after use.05-17-2012
20120118952Method and Apparatus for Interfacing with a Smartcard - A device may be configured such that a smartcard may be physically mounted in, on, and/or to the device. The device may comprise one or more circuits that enable communicating over a far-field communication link and that enable communicating with a smartcard when the smartcard is physically mounted in, on, and/or to the device. The far-field communication link may be an ISO 18000-7 link. The device may communicate with a smartcard via contacts and/or via near-field communications. The device may be operable to relay data between a near-field communication link between the device and a smartcard and a far-field communication link between the device and another device. The device may be generally rectangular in shape, less than one centimeter thick, than one centimeter longer than an ISO 7816 compliant smartcard, and less than one centimeter wider than an ISO 7816 compliant smartcard.05-17-2012
20120118951SYSTEM AND METHOD FOR IMPROVING SMART CARD READER RECONNECTIONS - Communications between a computing device and a smart card reader (SCR) configured for communication with a smart card are facilitated through the use, by the computing device, of a smart card resource manager and a smart card reader service (SCRS). The SCRS acts as a relay for commands between the smart card resource manager and the SCR. Appropriate configuration of the SCRS obviates a redundant downloading of certificates from smart card to computing device subsequent to loss of a connection between the computing device and the SCR. However, upon re-establishing a previously lost connection to a SCR and determining that a communication link between a smart card and the SCR has been ended and reestablished during the loss of connection, the SCRS may indicate to the smart card resource manager that smart card is absent and, subsequently, that the smart card is present.05-17-2012
20120118950Combined Business/Gift Card with Redemption Notification - A calling card includes a gift code that can be used to redeem a gift online (e.g., songs, ring tones, coupons, physical merchandise) using an electronic communications device (e.g., a personal computer, mobile phone, electronic tablet). When a user attempts to redeem the gift online, the user can be provided with a web page, email, text message or other electronic document that provides the user with information about the card provider and allows the user to perform certain actions for the benefit of the card provider or a third party. The card provider can be electronically notified during or after an attempt by the user to redeem the gift online. The identity or other personal information of the user is not shared with the card provider unless the user volunteers to share such information.05-17-2012
20110089233DEVICE AND PROCESS FOR THE AUTHENTICATION OF AUTHORIZATIONS OR ENABLEMENT OF A PERSON WITH THE USE OF A MOBILE COMMUNICATION DEVICE - An identification document which is linked to a person, particularly for the authentication of authorizations or qualifications of the person is provided. The identification document includes a mobile communication device which is able to show images and assigned to the person, including a display unit, an operating unit and a memory, wherein an identification dataset that is stored in the memory is assigned to data which are stored and administered in a central database, and wherein an optical recognition attribute that is assigned to the identification dataset can be displayed on the display unit of the communication device.04-21-2011
20090134216Apparatus and Method of Entering An Authorization Code into a Card Terminal - An authorization code is entered into a card terminal reader from a security card. The authorization code is first entered into a card and stored in a secret memory location or stored into or onto the card with a alternate element. A characteristic physical state of an element on the card is temporarily changed from a first state to a second state. When the card is inserted into a card reader terminal within a pre-defined period of time, the authorization code is transmitted to the card reader terminal and the state is reset from the second state to the first state.05-28-2009
20100288836STORED-VALUE CARD WITH MULTIPLE MEMBER HOUSING - A financial transaction card includes a first member, a second member, a side wall, at least one substantially rigid connection member, and an account identifier. The first member defines a first panel, and the second member defines a second panel. Each of the first panel and the second panel are substantially planar. The side wall extends between the first panel and the second panel such that the first panel is spaced from the second panel to define a void between the first panel and the second panel. The at least one substantially rigid connection member extends through the first member and interfaces with the second member to at least partially couple the first member to the second member. The account identifier associates the financial transaction card with an account or record having a value associated therewith. Other cards, assemblies and associated methods are also disclosed.11-18-2010
20100288835System for Giving and Organizing Gift Cards and Associated Method - A gift coordinator includes a server accessible by at least one gift giver, the server including a merchant database of merchants for supplying gift cards, the merchant database being cross-indexed with gift recipient characteristics and gift occasions, the server adapted to recommend merchants for supplying gift cards. The card organizer includes an expandable pouch with a plurality of dividers arranged therein. The dividers have gift card indexing indicia thereon. A method for organizing gift cards includes arranging a plurality of dividers within an expandable pouch, the plurality of dividers having indexing indicia for the plurality of gift cards thereon, selecting a plurality of gift cards for insertion into the expandable pouch, sorting the plurality of gift cards based on the indexing indicia, and inserting the plurality of gift cards into the expandable pouch such that the plurality of gift cards correspond with the plurality of dividers having associated indexing indicia.11-18-2010
20100288834Systems And Methods For Controlling Payment And Information Flows In Payment-By Card Networks - A system and method for processing payment transactions made in the commerce using diverse payment device types. A centralized transaction processing platform is integrated with a standard payment-by-card industry network to process transactions made using different payment device types in the same manner as a conventional credit or debit card transaction. A single platform can provide a range of secure, flexible physical and virtual world payment solutions for all devices types including physical and virtual cards, RFID, mobile, etc.11-18-2010
20090134217CREDIT CARD SYSTEM AND METHOD - A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.05-28-2009
20100206950Link Software Object to Sticker - A system for generating an association between a software object and a sticker on a surface, and then retrieving the software object, is disclosed. The sticker has disposed thereon coded data indicative of a sticker identity. A sensing device is provided for sensing the coded data in order to determine the sticker identity, and to generate indicating data at least partially indicative of the sticker identity. A computer system receives the indicating data from the sensing device, stores object data indicative of each of a plurality of software objects in an object repository, orders the object data stored in the object repository according to when the software object data was stored in the object repository, determines, using the order of the object data in the object repository, the software object which has been most recently stored in the object repository, generates the association based at least partially on the most recently stored software object and the sticker identity, receives further indicating data from the sensing device, the indicating data being at least partially indicative of the sticker identity, and retrieves the software object associated with the sticker identity.08-19-2010
20110180599IC card - An IC card includes: a card body; a conductive pad for receiving a power and an updating information; an electro-phoretic display located on the card body for displaying an information; and a driving circuit, coupled to the conductive pad and the electro-phoretic display, for receiving the power and the updating information from the conductive pad and driving the electro-phoretic display according to the updating information.07-28-2011
20120132706ELECTRONIC CREDIT CARD WITH FRAUD PROTECTION - A method for verifying permission to use a payment system such as an electronic credit card, using a hand held communication device such as a smart phone, where the customer presents the communication device to a merchant who extracts account information from the hand held device, and the hand held device generates a transaction code that is shared with the merchant and sent by both to a financial institution. The financial institution sends a new random code to the user and the merchant, which can be compared to verify the user's account and the financial institution's approval of the transaction.05-31-2012
20110180598SYSTEMS, METHODS, AND COMPUTER PRODUCTS FOR PROCESSING PAYMENTS USING A PROXY CARD - Systems, methods and computer program products for processing payments for a proxy card are provided. Embodiments of the system include a processor, and a memory in communication with the processor. The memory may be configured to store processing instructions for directing the processor to receive a request for authorization of a payment. In various embodiments, the request is triggered at a merchant server, by the use of a proxy card of the customer. The processor attempts to identify at least one desired payment mode for making the payment, from among payment mode(s) associated with the proxy card. The processor first selects the payment modes based at least in part on one or more selection criteria, such as predefined customer goals, and then the processor performs an authorization check to identify the desired payment modes. Subsequently, the processor authorizes the payment if at least one desired payment mode is identified.07-28-2011
20090230184Discernment card and a discernment card business system which employed the discernment card - A discernment card (09-17-2009
20120312872REAL-TIME INTERNET METHOD FOR TRACKING NUMBER AND GENDER OF PATRONS IN BAR AND NIGHT CLUB ESTABLISHMENTS - A computer-readable medium containing instructions for a computer to perform a method for tracking visitors at bar or night club establishments having scanners capable of scanning the driver's license of each visitor entering the establishment. After scanning, the validity of the license is verified, as is whether the visitor is above the legal drinking age, and an identification code is associated with each such visitor. The time that the scan took place is recorded and the gender of the visitor is ascertained. The information is sent to and stored on the system server. The system server tallies the gender information for visitors associated with an identification code at each establishment. The population, tallied gender ratio and a calculated gender rate ratio for each establishment are displayed on a system website. System subscribers are permitted to access the displayed information on the system website.12-13-2012
20100051690Off Line Micropayment Commerce Transactions Using A Conventional Credit Card - A method for completing a transaction including receiving a credit card payment request at a card reader. The payment request can include a payment amount and a micropayment account identification identifying a pre-pay account or a post-pay account. In the event the payment request is for a pre-pay type of account and the payment amount is greater than a balance associated with the account, then a credit card account associated with the micropayment account is charged with a top off amount plus the difference between the payment amount and the remaining balance. In the event, the payment request is for a post-pay type of account and the payment amount is greater than the balance associate with the account, then a credit account associated with the micropayment account is charged with an amount equal to a credit limit plus the difference between the payment amount and the remaining credit.03-04-2010
20100051689WIRELESS MOBILE COMMUNICATOR FOR CONTACTLESS PAYMENT ON ACCOUNT READ FROM REMOVABLE CARD - A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on the account with the wireless mobile communications apparatus. A total currency amount for the transaction, and remaining balance in the account after the transaction, can be displayed on a display screen of the wireless mobile communications apparatus. The removable card can be a gift card bearing a magnetic strip having an identifier for the account encoded thereto that will be read when inserted into the wireless mobile communications apparatus which can be a cellular telephone or Web enabled portable device. The magnetic strip gift card can be substantially composed of paper so as to be intended for disposable after use.03-04-2010
20100051688Card Processing Apparatus and Card Processing Method - A card processing apparatus is provided with: a storage unit for storing biological information read by a biological information acquiring unit as a result of comparing biological information read from a card by a card handling unit with the biological information read from a user by the biological information acquiring unit, a confirmation is made that the user is an owner of the card; and a control unit for judging whether storing operations for storing the biological information in the storage unit have been carried out preselected times, for producing biological information stored in another card newly issued by employing a plurality of biological information stored in the storage unit when the storing operations have been carried out the preselected times, and for instructing the user to again acquire biological information when the storing operations have not yet been carried out the preselected times.03-04-2010
20100051691System, Program Product and Methods For Retail Activation And Reload Associated With Partial Authorization Transactions - Systems, program product, apparatus and method for transmitting and processing the sale of a transaction card product over an existing payment network using partial authorization messaging, are provided. An example of such a system can include a merchant POS apparatus equipped to support partial authorization messaging, a transaction card issuer server in communication therewith, and a transaction card product. The transaction card product can include a conventional transaction card securely wrapped within a tamper evident container that can carry its own magnetic strip. The container magnetic strip can store an assigned unique card identifier linked to, but different from, the card identifier normally associated with the card. The container card identifier stored in the container magnetic strip is compatible with the merchant POS card reader and is usable to activate the card without the merchant or consumer having access to the card, the card identifier, or the card magnetic strip.03-04-2010
20120211560Ordering System Using Radio Frequency Identification - An ordering system using radio frequency identification. is interactive and can track the processing status in real time, the system at least includes a menu having a RFID tag, a customer display device, a kitchen display device, a service display device, and a host display device. The menu having a RFID tag includes items each disposed with a RFID tag switch for a customer to select the item by pressing the RFID tag switch. When pressed, the RFID tag switch is turned on and transmits a signal to a reader for the reader to generate real-time ordering information on a display device, which is provided for corresponding the customer with an attendant for ordering information service, wherein the reader can also simultaneously transmit the ordering information to the kitchen display device, the service display device, and the host display device for preparing a meal, delivering the meal and preparing a bill, thereby informing the customer with the processing status on the go and improving the meal ordering/delivering efficiency.08-23-2012
20090095811METHODS FOR CONTROLLING ACCESS TO DATA STORED IN SMART CARDS AND RELATED DEVICES - In a method for controlling access to data stored on a smart card, an external request for communication with the smart card is received via a first communication interface. The external request for communication may be a request for communication over a second communication interface, for example, from a smart card reader. Private data from the smart card is transmitted via the second communication interface responsive to authentication of a user of the smart card. Related devices are also discussed.04-16-2009
20090095810BIOMETRIC IDENTIFICATION DEVICE WITH SMARTCARD CAPABILITIES - A smartcard-enabled BPID Security Device integrates a smartcard reader with a biometric authentication component to provide secured access to electronic systems. The device allows for an individual to insert a smartcard into an aperture in the physical enclosure of the BPID Security Device, allowing the smartcard and the BPID Security Device to electronically communicate with each other. The smartcard-enabled BPID Security Device is based on a custom application specific integrated circuit that incorporates smartcard terminals, such that the BPID Security Device can communicate directly with an inserted smartcard. In an alternative embodiment of the invention, the smartcard-enabled BPID Security Device is based on a commercial off-the-shelf microprocessor, and may communicate with a commercial off-the-shelf microprocessor smartcard receiver using a serial, USB, or other type of communication protocol. The device allows for enrolling a user's credentials onto the smartcard-enabled BPID Security Device. The device also allows for authenticating an individual using the smartcard-enabled BPID Security Device.04-16-2009
20080283591SECURE PAYMENT CARD TRANSACTIONS - Payment card transactions at a point of sale (POS) are secured in certain embodiments by intercepting, with a POS security layer installed on a POS terminal, payment data from the POS terminal, transmitting the payment data from the POS security layer to a server security application installed on a POS server, and providing false payment data from the POS security layer to a POS terminal application installed on the POS terminal. The false payment data in various embodiments is processed as if it were the payment data, such that the POS terminal transmits an authorization request to the POS server using the false payment data. In addition, the authorization request may be transmitted from the POS server to a payment gateway.11-20-2008
20120175417METHOD AND SYSTEM FOR PROVIDING A THREE DIMENSIONAL STORED VALUE TOKEN THAT CONTAINS MOVABLE CONSUMER GOODS - A method and system provides a stored value token that includes a three dimensional, closed volume which can include a movable cover for allowing access to the closed volume. The closed volume can contain various movable objects such as consumer goods, like plant seeds, edible food stuffs like mints, and/or utilitarian objects that can be used by the consumer such as screws, nails, nuts, bolts, etc. The closed volume can comprise human readable printed media on one side that identifies the volume as a stored value card and that identifies the contents being contained within the closed volume.07-12-2012
20100270373Electronic Card and Methods For Making Same - An electronic card includes a digital processor, an electrochemical battery and a communications port. The processor and battery are essentially coplanar, and are sandwiched between and enclosed by two flexible covers, preferably made from an insulating plastic material, and preferably fitted to the components that they enclose. The communications port can include, for example, a Smart Card contact port, a stripe emulator, an RF port, and IR port, etc. The battery may comprise a rechargeable battery. In an exemplary embodiment, at least the processor is carried by a flexible printed circuit (PC) board. In other exemplary embodiments, switches and/or indicators are also carried by the PC board. A method for manufacturing an electronic card having at least two components is also disclosed.10-28-2010
20100270371OBSERVABLE MOMENT ENCRYPTION - A method, system and apparatus for encrypting a consumer identification number contained in a portable consumer device by gradually changing a consumer identification number when an observable moment is observed is disclosed. Observable moments can be exposure to light or an electromagnetic field, use of the portable consumer device or a change in temperature. A pattern or history of how the consumer identification number is gradually changed is used to authenticate the portable consumer device or the consumer.10-28-2010
20120074221INFORMATION CARD OVERLAY - A computer implemented method may include identifying a base information card stored on a client, determining whether an overlay information card is to be applied to the identified base information card, and selecting the overlay information card. The method may also include generating a final information card by applying the selected overlay information card to the identified base information card.03-29-2012
20120074220Authenticating Identification and Security Documents With Cell Phones - The present disclosure relates to authenticating identification and security documents, and methods and systems for authenticating such. One claim recites a method of authenticating a security or identification document with a cell phone. The cell phone comprising an optical sensor and a graphical display, the document comprising micro-printing, in which the micro-printing is imperceptible by an unassisted human observer. The method comprises: receiving from the optical sensor optical scan data corresponding to the document; analyzing the optical scan data to recognize the micro-printing; scaling or magnifying the micro-printing; and rendering at least some of the scaled or magnified micro-printing via the graphical display, in which rendered, scaled or magnified micro-printing is perceptible by a human observer of the graphical display. Other claims, implementations and embodiments are provided as well.03-29-2012
20120074219PAYMENT DEVICE UPDATES USING AN AUTHENTICATION PROCESS - A payment device—payment device reader combination obtains issuer token data that was generated by an issuer entity from: input data, and an issuer application cryptogram based on the input data and a session key. The issuer token data is disassembled by the payment device—payment device reader combination to obtain the input data and the issuer application cryptogram, and the payment device—payment device reader combination computes a payment device application cryptogram based on the input data and the session key. This is compared, by the payment device—payment device reader combination, to the issuer application cryptogram. If the payment device application cryptogram matches the issuer application cryptogram, at least one action is allowed to take place on the payment device.03-29-2012
20120074218Checkout Methods and Apparatus - A system readily adaptable to both periods of normal and peak store activity. A primary barcode scanner is employed to scan most items, and a secondary handheld barcode scanner is employed to scan items, such as large or bulk items left in a customer's shopping cart during normal operation. During peak periods, the secondary handheld barcode scanner is employed by a second store employee to prescan a second customer's items.03-29-2012
20100264210IC card with display function - IC card with display function includes a CPU, a card interface, a non-volatile memory, a volatile memory, and a display device. The CPU communicates with an external card reader through the card interface for accessing the data stored in the non-volatile memory. The non-volatile memory stores an encryption key and encrypted data. The volatile memory stores decrypted data temporarily for providing the CPU to transmit the stored data of the volatile memory to the display device for display.10-21-2010
20120223137ELECTRONIC SALES METHOD - Methods are presented for facilitating sales transactions by electronic media A temporary barcode or other design is affixed to the person or personal object during the period of time for which a financial transaction might occur. Before the sales transaction can be consummated, the barcode information is scanned and characteristics about the scanned code are compared to characteristics about other codes stored in a database for the specific time period in question in order to verify the identity of the buyer for a given time period. Once the information is verified, the seller may be authorized to debit the buyer's electronic bank account or charge their charge card account to consummate the transaction or transactions during a period of time. The seller may transmit the buyer's barcode and the buyer transmit the seller's barcode to a clearance center, where the buyer has a smartphone capable of scanning the seller's code.09-06-2012
20090020604METHOD FOR INFORMATION ARCHIVAL AND RETRIEVAL - Printed or published material is provided with a unique alpha-numeric code that is both in a machine-readable format and in a human-readable format. When the user picks an article or other information that the user wishes to save, he uses an access device that reads and scans the machine-readable code. The user could also enter the human-readable code. Periodically the device accesses an information service and transmits the stored codes. The user then obtains from the information service electronic copies of the articles which the user desires to archive. The information service organizes the articles in the user's personal virtual filing cabinet by subject based on the way the codes have been assigned or as designated by the user.01-22-2009
20090020603Method, a System and a Microcontroller Card for Communicating Application Services from a Microcontroller Card to a Terminal - A method wherein at least one service of an application stored in a microcontroller card is communicated to a terminal. The terminal transmits a command identifying the selected application to the card immediately after selecting the application. In order to reduce in the card the time for accessing the application service data by the terminal, a reply generator in the card selects the active services related to the application in the card in response to the command, and dynamically establishes a list of data identifying these services, to transmit a reply message including the identification data from the card to the terminal. A reply analyzer in the terminal analyzes the identification data of the reply message to communicate the at least one service of the application identified by the identification data.01-22-2009
20120255995Method and Device for Merchant Authentication - Conducting payment card transactions through a payment network through a card reader with a merchant authentication code attached. A payment is processed in connection with a transaction using a payment card. Prior to approving the transaction, the payment card holder is contacted and requested to provide the merchant authentication code. If the merchant authentication code provided by the payment card holder is consistent with the merchant authentication code affixed to the device, approving the transaction. The merchant authentication code may be text, a bar code, a quick response code, a hologram or other code. The merchant authentication code may include information regarding the merchant such as location, business name and the like.10-11-2012
20120255996Method and Device for Processing Payment Card Information - Conducting payment card transactions through a networked device of a user wherein the networked device comprises a card reader and a wireless application operated by the networked device. The transaction may comprise acquiring information from a client's payment card using the card reader; providing such information from the card reader to the networked device through a headphone or similar jack; and processing the data through the mobile application connected to a payment network. More specifically, the networked device transmits a known first signal to the card reader, the card reader returns a second signal which is a function of the first signal and a third signal generated by the card reader that is indicative of information stored on a payment card, and the networked device derives the third signal from the first signal and the function applied to the first signal and the third signal.10-11-2012
20100193585Proximity Card Self-Service PIN Unblocking when used as a Primary Authentication Token to Stand-Alone or Network-Based Computer Systems - A method or a process for unblocking a second factor of authentication, utilizing self-service processes, when required for use with a Proximity Card defined by ISO 14443 and ISO 15693 standards for PC or network-based authentication, such as when a user's selected Personal Identification Number (PIN) becomes blocked due to excessive invalid attempts.08-05-2010
20110108622METHOD AND SYSTEM FOR USING A CAMERA CELL PHONE IN TRANSACTIONS - A method facilitating a transaction between a camera-phone user and a business entity. The business entity produces a printed medium indicating a transaction. The printed medium includes a barcode that includes direct contact data for communicating with the business entity. The barcode further includes specific transaction data relating to the transaction in the printed medium. Using the digital camera feature, the user captures a digital image of the barcode. The camera-phone is programmed to decode the digital image to retrieve the direct contact data and the transaction data embedded in the barcode. The camera-phone then automatically initiates a direct communication with the business entity via the mobile communications device using the decoded direct contact data. Once communications are established, the camera phone further transmits the transaction data derived from the barcode to further facilitate the transaction. The barcode includes an encrypted digital signature that can be used by the camera-phone to authenticate the identity of the business entity that created the printed medium.05-12-2011
20120228376APPARATUS AND METHOD FOR A PRIVACY SHIELD IN KEYPAD INPUT DEVICES AT FINANCIAL TRANSACTION TERMINALS - An input device for inputting personal information has a keypad for selectively inputting personal information and a privacy shield that is positioned adjacent to and extends away from near the keypad, the privacy shield inhibiting someone from viewing personal information entered into the keypad. The input device is part of a sales transaction terminal. The input device is part of an automated teller machine.09-13-2012
20130200147Decoding systems with a decoding engine running on a mobile device with a touch screen - A decoding system has a decoding engine running on a mobile device. The decoding engine decodes signals produced from a read of a first party's financial transaction card. The decoding engine accepts and initializes incoming signals from a read of the first party's financial transaction card. A transaction engine runs on the mobile device and is coupled to the decoding engine. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine. A user interaction engine is configured to utilize a touch screen of the mobile device. A first party or second party can input at least one of numbers, characters, and signatures by touching the touch screen.08-08-2013
20130200148Decoding system running on a mobile device and coupled to a payment system that includes at least one of, a user database, a product database and a transaction database - A decoding system runs on a mobile device and is coupled to a payment system. The decoding engine decodes signals produced from a read of a first party's financial transaction card. A transaction engine runs on the mobile device and is coupled to the decoding engine. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine. A payment system, in communication with the transaction engine, includes at least one of, a user database, a product database, and transaction database.08-08-2013
20130200149Decoding systems with a decoding engine running on a mobile device and using financial transaction card information to create a send funds application on the mobile device - A decoding system has a decoding engine running on a mobile device. The decoding engine decodes signals produced from a read of a first party's financial transaction card. The decoding engine accepts and initializes incoming signals from a read of the first party's financial transaction card. A transaction engine runs on the mobile device and is coupled to the decoding engine. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine. At least a portion of a first party's financial card information or information relative to a first party's financial account is used to create a mobile device payment application on the mobile device.08-08-2013
20110121072AUTHORIZATION SYSTEM WITH A CARD AND A READER - An authorization system (05-26-2011
20110121071IDENTIFICATION CARD - A secure identification card and method for authenticating a holder of an identification card is presented. The method stores personal information in the identification card that is personal to an owner of the card. When a holder of the card presents the card, the method allows the personal information that identifies the owner of the card to be extracted from the authorization card at an authorized establishment. The method then allows the authorized establishment to graphically display the personal information at the authorized establishment. This allows a person at the authorized establishment to verify, based on the graphical display of the personal information, that the holder of the card is the owner.05-26-2011
20100327056PAYMENT APPROVAL SYSTEM AND METHOD FOR APPROVING PAYMENT FOR CREDIT CARD - A payment approval system and a method for approving a payment for credit cards are provided for providing efficient processing while maintaining accuracy in detection of fraud usage of credit cards with an IC chip. Fraud parameters obtained by modeling a pattern of fraud usage is stored in the IC chip equipped in the IC credit card to use for payment approval to achieve improved reliability of offline approval. When offline approval process finds a possibility of fraud usage, online approval for more detailed statistical analysis processing is requested to a host computer. When update information of the fraud parameter used for the judgment is transmitted together with the request for approval and the newest fraud parameter created by analyzing the newest transaction trend etc. is confirmed to have been updated at the host computer, the newest fraud parameter along with the approval result from the host computer is transmitted to the IC terminal to update the fraud parameter in the IC chip to the up-to-date state.12-30-2010
20120318864METHODS FOR OVER THE NETWORK TRANSACTIONS ON A WEARABLE DEVICE - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.12-20-2012
20110036906Gift Card Purchasing System - In a disclosed embodiment, a bill pay system presents a bill payment interface having an area for presenting bill payment details. The bill payment interface includes the display of one or more offers for purchase of gift cards. The one or more offers for purchase of gift cards may be determined based on merchants identified in the bill payment details. The bill payment details may be updated to reflect a purchase of an offered gift card.02-17-2011
20120298747COMBICARD TRANSACTION METHOD AND SYSTEM HAVING AN APPLICATION PARAMETER UPDATE MECHANISM - Systems, methods and IC card devices are described for updating parameters such as unblocking or blocking or re-blocking an application on an IC card device whereby an integrated circuit card device gets issued with one or more active applications and optionally one or more dormant applications. Post issuance, triggered by a cardholder action when using a primary application, the issuer will send a command, e.g. in the form of a script to the card that will update parameters of another application, e.g. to ‘wake up’ the or each dormant application. An on-card mechanism is provided for the deblocking of the dormant application while the primary application is active. For any further transactions performed with the card, the cardholder will be offered a choice between the unblocked applications on the card. Optionally the oncard mechanism can also block or re-block an application or perform other actions.11-29-2012
20120298746ELECTRONIC MEDICAL INFORMATION CARD AND SYSTEM AND METHOD OF USE - An electronic medical information card (11-29-2012
20120318863LIGHT-POWERED SMART CARD FOR ON-LINE TRANSACTION PROCESSING - In general, embodiments of the present invention relate to a light-powered smart card and associated methods for automated information (static and dynamic) exchange pursuant to a commercial transaction. In a typical embodiment, the card (e.g., a credit card, a debit card and/or a smart card) comprises (among other things) an energy component for providing power to the card. Upon powering up via a light source, including light from the interfacing terminal's backlight, a terminal (e.g., a point of sale terminal) will scan/read card information shared between the card and the card company (e.g., upon swiping or placing of the card), and generate a corresponding source validation code (SVC). An optional imager/image array positioned on the back of the card will scan/read the SVC, and card validation code (CVC) logic on the card will generate a CVC based on the SVC (e.g., based on a validation result of the SVC).12-20-2012
20110226854SYSTEMS AND METHODS FOR TARGETED POINT-OF-SALE ADVERTISEMENTS - Systems and methods of presenting targeted content to consumers at a point of sale using a customer profile derived at least in part from consumer credit or debit card information transmitted from the point of sale.09-22-2011
20110226853METHOD OF CONDUCTING A TRANSACTION USING AN NFC DEVICE - The invention relates to a method of conducting a transaction between an NFC device and a contactless integrated circuit of the passive reader type. The method includes providing, in the contactless integrated circuit, at least one reader application emulation program and, by an intermediary unit of the NFC device, establishing a communication with the contactless integrated circuit, receiving from the contactless integrated circuit reader application commands and transferring the commands to the first host processor, and receiving card application responses supplied by the first host processor and transferring the responses to the contactless integrated circuit.09-22-2011
20090173786COPPA-COMPLIANT WEB SERVICES - A system and method for providing to a minor access to a network information dissemination activity. Responsive to an interaction by the minor with a webpage of a website, an information dissemination machine determines whether the interaction is a triggering action. Where a triggering action is determined to have occurred, a credit card transaction form for completing a credit card transaction is provided at a client input/output device. Responsive to completion of the credit card transaction, access to performance of an activity via a further interaction with the website is provided to the minor.07-09-2009
20120080519METHOD AND IMAGE FORMING APPARATUS TO AUTHENTICATE USER BY USING SMART CARD - A method and an image forming apparatus authenticate a user by using a smart card. The image forming apparatus includes a card reader to, if a smart card is inserted, extract user information from the smart card, an input unit to input information required for user authentication, a storage unit to store the input information in correspondence with the extracted user information, a user account management unit to request to authenticate the user of the smart card based on the extracted user information and the input information, or the extracted user information and the stored information, and a user authentication unit to authenticate the user according to the authentication request.04-05-2012
20110259957Debit and credit card transaction device - The present utility provides a Debit and Credit card transaction device, wherein it comprises a microprocessor or micro-controller (MCU), a magnetic stripe card reader or a smart card reader and a power regeneration circuit, wherein the microprocessor connects with the magnetic stripe card reader or smart card reader, the power regeneration circuit and the microphone input of the communication device, wherein the power regeneration circuit connects with the microprocessor, magnetic stripe card reader or smart card reader and the headphone output of the communication device. The present utility presents a Debit and Credit transaction device which can be used in conjunction with a communication device. It is a low cost device which can carry out secure debit, PIN debit and credit transactions.10-27-2011
20100230487SELF-AUTHENTICATING CREDIT CARD SYSTEM - A self-authenticating credit card method (09-16-2010
20120325905DYNAMIC DISPLAY INFORMATION CARD - In general, embodiments of the present invention provide a card (e.g., identification, debit card, credit card, smart card, etc.) having a dynamic information display panel integrated therein. The display panel is typically activated when user uses the card. This can occur when the card is swiped, and/or is powered up via an integrated energy panel (e.g., by an external light source). Alternatively, the card can be powered by RFID coupling, smart IC contact, battery, etc. Upon powering up, displayed information is used to: identify the user; and/or show private information to user only. Along these lines, displayed information can remain in card memory and/or on the display until next transaction, or it can be deleted after a programmed duration.12-27-2012
20120325906METHOD AND APPARATUS FOR ACCESSING ELECTRONIC DATA VIA A FAMILIAR PRINTED MEDIUM - The disclosed methods and apparatus relate generally to the electronics media industry, such as cable television (CATV), home shopping services, on-line computer services and computer memory applications. These methods and apparatus allow a user to access and make use of electronic media input and output devices by reference to and/or utilization of standard printed matter, such as magazines, textbooks, or any other printed matter that can be correlated to electronic media. The methods and apparatus further allow the user to tailor the retrieval of electronic data by using a user profile.12-27-2012
20120280038MOBILE WALLET TRANSACTION SYSTEM - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.11-08-2012
20120280035MAGNETIC STRIPE-BASED TRANSACTIONS USING MOBILE COMMUNICATION DEVICES - Magnetic stripe-based transaction enabled mobile communication device embodiments are presented which generally involve a mobile communication device which has been configured to perform transactions that heretofore were completed using a magnetic stripe found on magnetic-stripe cards. In one general embodiment, a mobile communication device generates magnetic stripe data which is used to perform a magnetic stripe-based transaction. To this end, the mobile communication device includes a magnetic stripe device and a computing device. The computing device stores the magnetic stripe data, and the magnetic stripe device is employed to transfer the stored magnetic stripe information so that it can be used to conduct transactions as if a traditional magnetic stripe card were being used.11-08-2012
20120280037Credit Card with E-paper Display for Advertisement and with Optical Communication and Power Transfer Modules - A novel credit or charging card is disclosed. According to one implementation, the card comprises an e-paper type of display on at least one of two surfaces of the card. An advertising message may be displayed. The advertising message may be replaced by a new one when the card is connected to a card reader. The advertising message may be selected based upon a data file stored in a storage unit of the card. The data file includes a purchase history of the user using the card. According to one embodiment of the invention, the card and the reader are coupled through an optical power transfer module and an optical communication module. Operations of the card are powered by optical energy transmitted from the card reader.11-08-2012
20120280036Read head device with slot configured to reduce torque - A read head system has a housing and a read positioned in the housing with a slot for swiping a magnetic stripe of a financial transaction card with the slot utilized to enable a financial transaction between a buyer and seller. The read head reads data on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. The read head includes an output jack configured to be coupled to at least one of a audio jack or microphone port of a mobile device. The read head provides the signal to the mobile device.11-08-2012
20120280039METHODS FOR OVER THE NETWORK TRANSACTIONS ON A MOBILE DEVICE - An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.11-08-2012
20120091201Systems and methods for financial transaction through miniaturized card with ASIC - A card reader device is provided with a housing having a slot for swiping a magnetic stripe of a card to complete a financial transaction between a buyer and seller. A read head is in the housing reads data stored on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. An output jack is adapted to be inserted into a microphone input associated with a mobile device for provides the signal indicative of data stored on the magnetic stripe to the mobile device. A sourcing power device couples to an audio jack of the mobile device and sources power from the mobile device through the audio jack.04-19-2012
20120091200Card reader device without - A card reader device is provided that includes a housing having a slot for swiping a magnetic stripe of a financial transaction card to complete a financial transaction between a buyer and seller. A read head is positioned in the housing. The read head reads data stored on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. The read head has sufficient impedance to set amplitude of a signal indicative of data stored on the magnetic stripe. An output jack is adapted to be inserted into a microphone input associated with a mobile device for providing the signal indicative of data stored on the magnetic stripe to the mobile device.04-19-2012
20120091199Multi-account card system - A multi account system consisting of master accounts linked to multiple accounts wherein account data is stored in a data storage card and in a central database. The central database may also store a plurality of secret keys and or public/private key sets associated with the accounts in addition to optional BIO information, which can be used for authentication and authorization.04-19-2012
20120286036CONTROL SYSTEM FOR WIRELESS COMMUNICATION PARKING METER - An electronic parking meter mechanism is provided. The electronic meter mechanism includes an inner housing, an electronic display screen and a wireless communication subsystem configured to wirelessly communicate with a parking management system. The electronic meter mechanism includes a first processor configured to control the electronic display screen, and a second processor configured to control communication of data by the wireless communication subsystem.11-15-2012
20120286037CARDS AND DEVICES WITH MULTIFUNCTION MAGNETIC EMULATORS AND METHODS FOR USING SAME - A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable of communicating information to a magnetic stripe reader. Information used in validating a financial transaction is encrypted based on time such that a validating server requires receipt of the appropriate encrypted information for a period of time to validate a transaction for that period of time. Such dynamic information may be communicated using such an emulator such that a card may be swiped through a magnetic stripe reader—yet communicate different information based on time. An emulator may receive information as well as communicate information to a variety of receivers (e.g., an RFID receiver).11-15-2012
20080217400System for preventing fraudulent purchases and identity theft - An anti-fraud/anti-identity theft system verifies the authenticity of genuine identification devices, including credit cards, cellular telephones, and the like. Likewise the system detects counterfeit credit cards or lines of credit. The system comprises a modified retailer machine that verifies the cards and/or person at the time of buying or selling with a wide variety of security measures. The system further utilizes cellular telephones or electronic devices as a credit card-holding device, which device has a microprocessor computer embedded within the cellular telephone or device, which microprocessor computer can be operated to selectively turn on or turn off availability of credit card funds without closing the credit card account itself.09-11-2008
20120138678CONTACTLESS SMART SIM FUNCTIONALITY RETROFIT FOR MOBILE COMMUNICATION DEVICE - A contactless transaction adaptor for use with a mobile communicator, including a thin SIM card signal interceptor portion arranged for insertion intermediate an existing SIM card, having SIM card-based contacts, and communicator based SIM card contacts located in a SIM card recess formed in the communicator, the interceptor portion having first contacts for communication with the communicator-based SIM card contacts and second contacts for communication with the SIM card-based contacts, a contactless communication circuit bearing portion arranged for insertion in the communicator, a contactless antenna and a contactless communication circuit both mounted onto the circuit bearing portion, a flexible connector portion interconnecting the interceptor portion and the circuit bearing portion, a first electrical path extending along the connector portion between the contacts of the interceptor portion and the contactless communication circuit, and a second electrical path extending along the circuit bearing portion between the antenna and the contactless communication circuit.06-07-2012
20130008957CARD BENEFIT PROVIDING METHOD AND CARD BENEFIT PROVIDING SERVER - Provided are a card benefit providing method and a card benefit providing server, which enable a card owner to use the card benefits of another party. If a card owner who wants to use the card benefits of another party requests the use of the card benefits of the other party, and the other party consents to the request, the card owner may then use the benefits of the other party's card in association with his/her card. The card benefit providing method includes the steps of receiving, by a card benefit providing server, a request for use of a benefit linked to a second card from a terminal of an owner of a first card, and performing, by the card benefit providing server, processing so that the benefit linked to the second card can be used in association with the first card when the owner of the second card has approved the benefit use request.01-10-2013
20130008956METHOD AND APPARATUS FOR USING AT LEAST A PORTION OF A ONE-TIME PASSWORD AS A DYNAMIC CARD VERIFICATION VALUE - Method and apparatus for using at least a portion of a one-time password as a dynamic card verification value (CVV) are disclosed. A credit/debit card is able to generate a dynamic card verification value (CVV). Such a card may also include an indication that the dynamic CVV is to be used as a security code for purchasing or other transactions. A card-based financial transaction can be authorized in accordance with the use of a dynamic CVV by receiving a transaction authorization request for a specific credit/debit card, wherein the transaction authorization request includes a dynamic CVV. The dynamic CVV can be compared to at least a portion of a one-time password generated for the specific credit/debit card, and a transaction authorization can be sent to the merchant or vendor when the dynamic CVV matches all or a portion of the one-time password.01-10-2013
20100133337PORTABLE PAYMENT DEVICE - A payment method and system are provided for electronic data that is purchased by a recipient from a supplier thereof for transmission to the recipient with payment being made in advance of downloading of the electronic data. The pre-payment entitles the recipient to a predetermined period of time online, or a predetermined quantity of downloaded electronic data. Payment control means associated with communication means communicates with a source of funding associated with the particular recipient and an allocated funds register is associated with the source of funding such that an initial quantum of value contained in the source of funding is credited to the allocated funds register. The payment control means monitors the balance remaining in the allocated funds register and when a predetermined low value is reached a further predetermined quantum of value contained in the source of funding is credited to the allocated funds register to increase the balance therein and enable continued connectivity.06-03-2010
20130015240RFID-BASED BOOK RETURN APPARATUSAANM CHEN; Horng-JiAACI HsinchuAACO TWAAGP CHEN; Horng-Ji Hsinchu TWAANM CHENG; Yu-ChyangAACI Taipei CityAACO TWAAGP CHENG; Yu-Chyang Taipei City TWAANM KUO; Chia-LinAACI Hsinchu CityAACO TWAAGP KUO; Chia-Lin Hsinchu City TW - An RFID-based book return apparatus has dual touch screen and operation interface that conforms to a standard for barrier-free design. It has the following features: automatically detecting RFID tags attached on the identification cards of borrowers and attached to books to be returned, and enabling a panel covering a book-return gate to open; adopting a high-density optical sensor array to prevent the borrower's hand from being clamped accidentally by the cover panel of the book-return gate; enabling an access panel of the book return apparatus to open/close automatically according to the RFID tag detection book return apparatus, facilitating the maintenance and repair of the book return apparatus; preventing any components, papers and books in the book return apparatus from wet damage due to rainfall or moisture by installing a waterproof device on the RFID-based book return apparatus.01-17-2013
20130015241COLLABORATIVE NEGOTIATION TECHNIQUES FOR MOBILE PERSONAL TRUSTED DEVICE FINANCIAL TRANSACTIONS - Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.01-17-2013
20130020389SYSTEMS AND METHODS FOR AUTHENTICATING NEAR FIELD COMMUNCATION FINANCIAL TRANSACTIONS - A system for authenticating near field communication (NFC) transactions that has an NFC merchant reader that provides an electromagnetic field and an NFC hand-held device that senses the electromagnetic field and prompts a user for a personal identifier (PI) in response to the electromagnetic field. Additionally, the NFC hand-held device wirelessly transmits the PI, and the NFC hand-held-device receives an approval code transmitted to the NFC hand-held device in response to the PI. Further, the NFC hand-held device transmits the approval code to the NFC merchant reader, and the NFC merchant reader transmits a payment request comprising the approval code.01-24-2013
20080237338METHODS FOR PROVIDING LONG TERM STORAGE AND RETRIEVAL OF CUSTOMIZED TRANSACTION CARD IMAGES - The present invention provides a method for providing long term storage of customized transaction card images, comprising the steps of approving or rejecting a selected customized image, marking the customized image as approved or rejected, packaging the customized image into an image file for a transaction card issuer, sending the image file to the transaction card issuer via a secure transfer process, and sending the image file to long term storage.10-02-2008
20080223925Biometric Identity Verification System and Method - A card authenticates a cardholder. The card includes a substrate, a sensor module, a wireless transceiver module, and a power circuit. The sensor module includes (a) a biometric sensor adapted to detect biometric information from a person's body, (b) a processor unit adapted to authenticate the person in response to the detected biometric information and generate an authentication signal representing an authentication result, and (c) a memory adapted to store biometric information of a specific individual associated with the card. The wireless transceiver module transmits signals received from the processor unit and receives a wirelessly-transmitted power signal. The power circuit generates at least one supply voltage from the received power signal and provides the supply voltage to the sensor module. An electronic passport is embedded with the card, and a terminal module is used for wirelessly transmitting power to and receiving signals from the electronic passport.09-18-2008
20080223923STORED-VALUE CARD WITH PEDOMETER AND CLIP - A financial transaction card includes an enclosure, a step detector, and a processing device. The enclosure includes an account identifier linked to a financial account or record such that the financial transaction card can be used toward the purchase or use of at least one of goods and services. The step detector is positioned within the enclosure and configured to perceive movement caused each time a person carrying the financial transaction card takes a step. The processing device is positioned within the enclosure and in communication with the step detector, the processing device being configured to identify movement perceived by the step detector and to determine a cumulative number of steps taken by the person while carrying the financial transaction card. Stored-value card assemblies, methods of promoting sales of stored-value cards, methods of using a stored-value card, and other embodiments are also disclosed.09-18-2008
20080223921MAGNETIC STRIPE CARD ANTI-FRAUD SECURITY SYSTEM - To prevent fraud, a magnetic card's ID, which may be a stripe ID or security chip, is converted to an encrypted card ID, which is stored on the card and in a database. Information about the card's history is captured, encrypted, and stored on the card and in a database. To validate the card, the magnetic card ID on the card is again converted to the card ID. This card ID is then compared with the card ID for that card in the database. The card history data stored on the card may also be compared, for validity and to determine points of fraud, with the card history data stored in the database. The data in the card's magnetic card ID can also be compared with the decrypted data in the card ID stored on that card to help determine the card's validity, for example, when the database is inaccessible. Card data about the account holder, stored on the card's magnetic stripe, may also be used to create the card ID for verification.09-18-2008
20130181044Barcode Device - Bar codes used for various applications. A bar code can be used for biometrics, or for computer data entry. A special bar code is described that has additional information, but can be read by other readers.07-18-2013
20130140360SYSTEM AND METHOD FOR A SECURE CARDHOLDER LOAD AND STORAGE DEVICE - A system for a secure cardholder and storage device includes a mobile communication device and a secure card transporter (SCT). The SCT includes a Near Field Communication (NFC) chip, a microprocessor, a magnetic stripe card reader, a contact chip card reader, a contactless card reader, an audio jack interface and a micro-USB interface. The SCT interfaces with the mobile communication device via the audio jack interface or the micro-USB interface, and the SCT captures payment card data and transmits the captured payment card data to a merchant point of sale (POS) checkout system both in the physical and virtual environments. The system provides convenient buying experience for buyers, and secure and informative transaction for sellers.06-06-2013
20130140361METHOD AND APPARATUS FOR CONDUCTING OFFLINE COMMERCE TRANSACTIONS - Methods and apparatus for conducting offline commerce transactions that use a barcode as an alternative means for personal identification. The user represented in the bar code format, User ID Barcode, is generated from a number that uniquely identifies the user. Numbers such as a cell phone number or a credit card number may be used to generate the User ID Barcode. These numbers are prefixed with a special character before they are converted to the barcode format. Prefixing a special character is necessary so that the bar code generated can be distinguished from any bar code representing products being sold. If a credit card number is used, the User ID Barcode is printed on the back of the credit card which then becomes a 2 and 1 credit card.06-06-2013
20080283593Compromised Account Detection - Systems and methods are disclosed for identifying a compromised account. A compromised account may be identified by identifying a first unique identifier and associating the unique identifier with a fraud behavior. A second unique identifier may be identified and associated with a fraud behavior as well. The first unique identifier and the second unique identifier may be linked if at least a portion of the fraud behavior of the first unique identifier corresponds to at least a portion of the fraud behavior of the second unique identifier. Information relating to the fraud behavior of the first unique identifier, information relating to the fraud behavior of the second unique identifier, and information relating to the link between the fraud behavior of the first unique identifier and the second unique identifier may be stored in a data file. The first and/or the second unique identifiers may be an Internet protocol address.11-20-2008
20080217398Anti-theft credit card system with a credit card having magnetic stripe containing digitized finger print information of authorized owner and a printing section of user's finger print thereon - An anti-theft credit card system is provided. The anti-theft credit card according to current invention has digitized information of the finger print of an authorized card holder. A finger printing section of a user is provided on a corner of the card. A scanner, installed in a credit card machine, scans the finger print printed on the printing section of the card and send the information to a micro-processor which is installed in the in the credit card machine and digitalize the scanned information. A second micro-processor, which is also installed inside of the credit card machine, compares the newly digitalized fingerprint with the digitized finger print of the authorized owner of the card. If they match each other, the machine proceeds requested procedure. If not, aborts the procedure.09-11-2008
20080217397REAL-TIME AWARDS DETERMINATIONS - The present invention provides systems and methods for facilitating transactions with real-time awards determinations for a cardholder. Each transaction includes transaction information, where the transaction information includes: cardholder information, merchant information, and a transaction amount. An engine determines if an award should be granted based on award criteria, such that the engine compares the transaction information with each award criterion in order to determine if the award should be granted in real-time with the transaction by the cardholder.09-11-2008
20080217396DEVICE AND METHOD FOR CONDUCTING SECURE ECONOMIC TRANSACTIONS - A secure economic transaction device includes a memory for storing user account information, a temporary code generator coupled to the memory and operable to generate a code based upon the user account information that is valid for only a finite amount of time, and a wireless transmitter operable to wirelessly transmit the user account information and the code.09-11-2008
20130134216PORTABLE E-WALLET AND UNIVERSAL CARD - Universal cards are used in place of all the other traditional cards which a person may want to carry. The universal card can include a short range communications transceiver to communicate with a mobile device. The mobile device can include a user interface and an e-wallet application so that the user can interface with the e-wallet application for programming the universal card via the short range communication link. Once programmed, the universal card emulates a function of a traditional card.05-30-2013
20080251579SECURE IDENTIFICATION OF DEPENDANTS - The present invention provides a method for identifying patients using common forms of identification, and specifically readable personal identifiers such as credit cards, and for identifying dependents through a guardian's personal identification. The guardian registers the account with a health care database, and associates the dependent patients with the account. Thereafter, the guardian can process healthcare services for the guardian by providing a readable identifier identifying the account. As a result, the guardian can register the dependent patient for an appointment through a kiosk or other publicly accessible terminal, and can also access scheduling or other services.10-16-2008
20130112746Alcohol Delivery Management System - A system for management of age verification using an internet enabled mobile device. The system provides ID verification using identification information comparison. The system further optionally provides display of completed and pending orders, routing to delivery destination, and prioritizing of deliveries.05-09-2013
20130119128METHOD AND SYSTEM FOR AUTHENTICATING A USER BY MEANS OF AN APPLICATION - A user may be authenticated by an application. The user may be in possession of a user-specific card, which may store a user ID (UID), an operator ID (SID), and a plurality of application IDs (AIDn), and other related data. The card may provide data for implementing a plurality of security steps, performed individually or in combination, as chosen depending on a desired security level and/or the application. In a first security step, the application may read from the card the user ID (UID) from the card. In a second security step, the application may read out the operator ID (SID) and forward it to a server of an operator, which may then verify the operator ID (SID). In a third security step, the application may read out and verify its corresponding application ID (AIDn). The application may request additional information for the user from the server, using the user ID (UID).05-16-2013
20130126607USING OPTICAL REPRESENTATIONS COMMUNICATED TO OR FROM A MOBILE DEVICE - Among other things, a mobile wireless device can be used for communication of data via an optical representation. The data may represent an instrument of payment and be provided using a display. The optical representation is read by an optical receiver of a second device, and can be translated back into the data. Consequently, a device such as a mobile phone may be used to make or receive payments using optical representations of data.05-23-2013
20130140359Method and System of Sending Information Based on a User Card - Sending information based on a user card includes obtaining, by a card terminal, identification information of the user card and sending identification information of the user card and identification information of the card terminal to a device, such as a data analysis and recommendation device. The data analysis and recommendation device determines whether recommendation information corresponding to the identification information of the user card and the identification information of the card terminal exists according to the identification information of the user card and the identification information of the card terminal, and if yes, sends the recommendation information to the card terminal. The data analysis and recommendation device can send the recommendation information to the card terminal and the card terminal can display the information to the user. As the recommendation information may be in different forms, personalized multimedia information can be provided to the user.06-06-2013
20080203155Reader with Integrated Encryption - The invention concerns a device for reading and encrypting sensitive data which are to be transmitted by way of a remote transmission network (08-28-2008
20110210170DIGITAL BARCODE USE, DISTRIBUTION, AND REDEMPTION SYSTEM FOR MOBILE DEVICES - A method of displaying an image with a display screen of an electronic device includes establishing communication between the electronic device and an application server. The application server is in communication with a database corresponding with information regarding a value item. The method includes flowing the information regarding the value item to the electronic device. A barcode image associated with the value item is displayed by the display screen. The barcode image is adjusted in response to an indication of the type of electronic device.09-01-2011
20130146658Medical Insurance Card With Quick Response Code System - The present invention is a system with a medical insurance card with one or more quick response code images that includes an electronic device that includes an output device, an input device that scans a plurality of file types displayed on the output device of the electronic device utilized by the system and an insurance card with a front facing and a back facing used to identify a user to use or obtain services or benefits from a healthcare insurance company, a healthcare plan type or is used as part of or all of one or more vision, dental, or hearing or related health services. The one or more quick response code images that are disposed on the insurance card and is scanned or photographed by the electronic device that include a plurality of file types.06-13-2013
20130146659WEARABLE PERSONAL DIGITAL DEVICE FOR FACILITATING MOBILE DEVICE PAYMENTS AND PERSONAL USE - Provided is a device and methods for facilitating mobile device payments using a wearable personal digital device. The device may comprise a processor, a memory unit, a timepiece module, a communication circuit, a display, a camera, control elements, a connection port, and a band adapted to secure the device on a human body or clothes. The processor may be configured to retrieve information encoded in a barcode, generate barcodes, display retrieved information and barcodes on the display. Additionally, the device may comprise a swipe card reader to make payments using the wearable personal digital device by swiping a payment card through the device. In addition to that, the device may comprise one or more sensors and one or more accelerometers to measure biometric parameters of the user, display measured parameters on the display, and store the parameters to the memory of the device.06-13-2013
20080197190Monetary information processing server and monetary information processing method - An object of the present invention is to deposit money to a monetary terminal using an account in a financial institution.08-21-2008
20080197189Non Pre-Approved Channel Filtering for Card Acquisition - Information can be shared across a pre-approved (PA) channel and a non pre-approved (NPA) channel to reduce unnecessary offers of a transactional instrument or transactional instrument upgrade to prospects. All prospects listed in the NPA channel that have been evaluated in the PA channel may be removed from a NPA offeree list. This may be done by matching the NPA prospect list with a list of prospects who have been evaluated in the PA channel. The list of prospects evaluated in the PA channel may include, for example, prospects who were pre-approved for an offer as well as prospects who were considered for a pre-approved offer but who were denied the offer. Prospects in the NPA channel that are removed from the NPA offer list may be dropped from further NPA processing, as such prospects are either unprofitable or do not meet a transactional account company's standards for credit.08-21-2008
20080197188TRANSMISSION AND CAPTURE OF LINE-ITEM-DETAIL TO ASSIST IN TRANSACTION SUBSTANTIATION AND MATCHING - A system, method and computer program product for capturing Line-Item-Detail to assist in substantiating eligible expenses for participating card holders. The system leverages existing data feeds to capture Line-Item-Detail at a point of sale (POS). Advanced filtering and transmission protocols are implemented to enable the process of capturing and transmission of data. The system helps to reduce the number of paper receipts that are required from card members, especially those resulting from over the counter purchases at retail stores. By flagging eligible purchases, the invention aids in automation of the rebate/claims process thereby leading to a faster rebate process and hence, improving customer satisfaction.08-21-2008
20090302104METHODS OF ESTABLISHING CREDIT - A method for improving credit of a cardholder of a prepaid card. The method may include establishing an account associated with the prepaid card. A load may be applied to the account to create an available balance for the cardholder. A credit instrument associated with the cardholder and the prepaid card may be established. An initial credit balance to the credit instrument may also be established. Payment from the cardholder may be collected, and, in response to collecting the payment from the cardholder, at least a portion of the collected payment may be applied to the credit instrument associated with the cardholder and the prepaid card. A credit history of the cardholder may be updated and reported to at least one credit bureau.12-10-2009
20100308106Barcode-Based Marketing System - A barcode-based marketing system includes a station, mobile devices and identification devices. The station is used for producing barcodes. The mobile devices are used for receiving the barcodes and transferring the barcodes to one another. The identification devices are used for communication with the station to read the barcodes and determine whether the barcodes are effective.12-09-2010
20120273570Physical Credentials and Related Methods - Directional albedo of a particular article, such as an identity card, is measured and stored. When the article is later presented, it can be confirmed to be the same particular article by re-measuring the albedo function, and checking for correspondence against the earlier-stored data. The re-measuring can be performed through us of a handheld optical device, such as a camera-equipped cell phone. The albedo function can serve as random key data in a variety of cryptographic applications. The function can be changed during the life of the article through use of a variety of different card constructions (e.g., involving quantum dots, phase change materials, MEMS structures, etc.). A variety of other arrangements and features are also detailed.11-01-2012
20100314442GIFT CARD ACCOUNT SYSTEM AND METHODS OF A MERCHANT PROCESSING A GIFT CARD - A gift card account system is provided for a merchant to process gift cards. The system comprises a merchant terminal for enabling a merchant to access a gift card account to (i) associate a key number with an account number of a gift card when payment is received from a gift card purchaser for purchase of the gift card, and (ii) associate payment instrument information with the key number and the account number when the purchased gift card and the payment instrument information are received from a gift card recipient so as to allow the gift card recipient to apply the gift card towards a future purchase of goods or services from the merchant without having to present the gift card again to the merchant.12-16-2010
20110303747METHOD FOR USE IN ASSOCIATION WITH IDENTIFICATION TOKEN AND APPARATUS INCLUDING IDENTIFICATION TOKEN - In some embodiments, a method comprises: sensing at least one of movement and position of an identification token; determining if a criteria is satisfied; and enabling operation of the identification token if the criteria is satisfied; wherein determining if the criteria is satisfied comprises determining if the at least one of movement and position satisfies a reference criteria; and wherein the sensor comprises a sensor to provide a signal indicative of at least one of movement and position of the identification token prior to presentation to a proximity coupling device. In some embodiments, apparatus comprises: an identification token comprising: a sensor to provide a signal indicative of at least one of movement and position of the identification token; circuitry, to receive the signal, to determine if a criteria is satisfied, and to enable operation of the identification token if the criteria is satisfied; wherein the circuitry comprises circuitry to determine if the at least one of movement and position satisfies a reference criteria wherein the sensor comprises a sensor to provide a signal indicative of at least one of movement and position of the identification token prior to presentation to a proximity coupling device.12-15-2011
20110303746SYSTEM FOR VERIFYING AN ITEM IN A PACKAGE - A system verifying an item in a package comprises a package producer and a verifier. The package producer produces a package with a label, wherein the package includes an item each with one or more selected tag identifiers that are placed in a location on the item. The verifier verifies the item using 1) the one or more selected tag identifiers as detected using a spectral measurement or 2) a location or a shape of the one or more selected tag identifiers on the item, and 3) the label as read using a label reader.12-15-2011
20110309142PAYMENT CARD READER APPARATUS AND METHOD OF OPERATING A PAYMENT CARD READER APPARATUS - A payment card reader apparatus is provided for enabling a retail customer purchasing goods or services from a retail establishment to make payment for purchased goods or services. A housing enclosure has a front panel which faces toward the retail customer and an interior chamber located behind the front panel. A payment card reader portion is disposed in the interior chamber and is provided for receiving a payment card from the retail customer. A customer input pad portion is disposed in the interior chamber and is provided for (i) receiving input data from the retail customer after the payment card reader portion has received a payment card from the retail customer, and (ii) providing a trigger signal in response to receiving input data from the retail customer. An actuatable camera portion is disposed in the interior chamber and is provided for, when actuated in response to the trigger signal, capturing an image of the retail customer while the retail customer is providing input data to the customer input pad portion.12-22-2011
20120018511INTEGRATION OF VERIFICATION TOKENS WITH PORTABLE COMPUTING DEVICES - Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is communicatively coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computer's display, or may display the value to the user using the computer's display.01-26-2012
20090242629Fraud prevention in issuance of identification credentials - According to one aspect, the detailed technology concerns assessment of the fraud risk presented by an applicant for a driver's license, based on a particular ensemble of information presented by the applicant. For example, certain collateral identification documents presented by the applicant (birth certificate, passport, student body ID card, etc.)—or certain combinations of documents—may be found to have relatively higher or lower historical incidences of fraud associated therewith. Based on such historical insight, the issuing agency can tailor its scrutiny of the applicant accordingly. In one arrangement a score is determined based on the presented information. If it falls below a threshold, extra verification checks can be undertaken, such as querying additional third party databases (credit bureaus, military discharge records, etc.). An automated system may guide the evaluation process, based on the particular ensemble of information presented, and on the results of any database queries.10-01-2009
20120074222Document Processing Methods - Directional albedo of a particular article, such as an identity card, is measured and stored. When the article is later presented, it can be confirmed to be the same particular article by re-measuring the albedo function, and checking for correspondence against the earlier-stored data. The re-measuring can be performed through us of a handheld optical device, such as a camera-equipped cell phone. The albedo function can serve as random key data in a variety of cryptographic applications. The function can be changed during the life of the article. A variety of other features are also detailed.03-29-2012
20130206835PORTABLE COMPUTERIZED WIRELESS PAYMENT APPARATUS AND METHODS - A mobile user apparatus and associated methods useful for conducting payment transactions wirelessly, such as at point-of-sale locations. In one embodiment, the mobile user apparatus is a cellular-enabled mobile device that includes a short-range radio frequency device, such as an active-mode capable device, that generates a transmission to a point of sale apparatus, including information relating to an account of the user of the mobile apparatus that is to be charged for the payment. In one variant, the information stored on the mobile device is further configured to receive transaction data wirelessly in return.08-15-2013

Patent applications in class Credit or identification card systems

Patent applications in all subclasses Credit or identification card systems