Patent application number | Description | Published |
20110270753 | METHOD FOR AUTHENTICATING FINANCIAL TRANSACTION REQUESTS USING A WEBSITE OR WEB PORTAL - A method for authenticating a financial transaction request includes receiving first information where the first information includes first party identifying information, and a unique pseudorandom number of a pseudorandom sequence included with a check from a plurality of checks. A status of activating the plurality of checks is determined using a portion of the first information, a stored activation code, and stored information first party identifying information. The stored first party identifying information is stored with the pseudorandom sequence. The first party is authenticated with the received and stored first party identifying information. The unique pseudorandom number is authenticated with the received first party identifying information, a portion of the stored first party identifying information and the stored sequence. The first information is authenticated if the first party and the unique pseudorandom number included with the first information are authenticated and if the plurality of checks have been activated. | 11-03-2011 |
20110270755 | METHOD FOR SECURELY CLEARING CHECKS - A method for check clearing by a first entity where the check was previously issued from a first party to a second party. The first party has a first account with the first entity and the second party has a second account with a second entity. The first entity receives first information included with the check from the second party, including first party identifying information, a unique pseudorandom check number, and a check amount. The first entity authenticates at least a portion of the first information and receives second information from the second party, including at least the second account number and the second entity's routing transit number. The first entity transfers funds from the first account of the first party to the second account of the second party using at least a portion of the authenticated first information and the second information. | 11-03-2011 |
20120239570 | Systems and methods for performing ATM transactions using active authentication - A financial transaction method includes receiving a request to perform a financial transaction from a user having an account with a financial institution that receives the request, generating an active authentication transaction key in response to the request, and transmitting the active authentication transaction key to a mobile financial transaction instrument of the user. A request to authenticate a transaction, including at least a portion of the active authentication transaction key, is received from an automated teller machine. An authorization response is transmitted to the automated teller machine if is determined that the transaction is authorized, the account of the user is settled to complete the financial transaction. | 09-20-2012 |
20120239572 | SYSTEMS AND METHODS FOR PERFORMING FINANCIAL TRANSACTIONS USING ACTIVE AUTHENTICATION - A financial transaction method includes receiving a request to perform a financial transaction at a financial institution, generating a single-use transaction key for the financial transaction, and storing at least a first portion of the transaction key in a storage medium. The transaction key is transmitted to a user that requested the financial transaction, and an authorization request including at least a second portion of the transaction key is received from a merchant. The second portion of the transaction key received from the merchant is compared to the first portion of the transaction key to determine if the transaction should be authorized. An authorization message is transmitted to the merchant if the second portion of the transaction key received from the merchant matches the first portion of the transaction key. The financial transaction is funded from an account of the user if the financial transaction is authorized. | 09-20-2012 |
20120239577 | Systems and methods for performing person-to-person transactions using active authentication - In some embodiments, a method of performing a person-to-person financial transaction includes receiving an active authentication transaction key at a mobile financial transaction instrument of a transferor from a financial institution, storing the active authentication transaction key in a non-transient machine-readable storage medium of the mobile financial transaction instrument of the transferor, and transferring the active authentication transaction key to a mobile financial transaction instrument of a transferee for completion of the person-to-person financial transaction using wireless transmission. | 09-20-2012 |
20120239579 | Systems and methods for performing ATM fund transfer using active authentication - A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN. | 09-20-2012 |
20150106275 | SYSTEMS AND METHODS FOR PERFORMING ATM FUND TRANSFER USING ACTIVE AUTHENTICATION - A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN. | 04-16-2015 |
Patent application number | Description | Published |
20110066909 | PLUGGABLE TRANSCEIVER MODULE WITH ENHANCED CIRCUITRY - Pluggable transceiver modules with additional functions and circuitry contained within the module. In a first embodiment, additional circuitry is added to determine bit error rates at the point of the module itself. This allows a much better diagnostic evaluation of location of problem. In an alternate embodiment, various logic is placed in the module. In a first alternate embodiment encryption/decryption units are placed in the converter module so that encryption and decryption operations on the serial bitstream do not need to be performed in a switch. Existing switches can be used but the interconnecting links can still be encrypted. A second alternate embodiment includes compression/decompression units placed in the module to allow effective higher throughput on the selected links. | 03-17-2011 |
20120173935 | PLUGGABLE TRANSCEIVER MODULE WITH ENHANCED CIRCUITRY - Pluggable transceiver modules with additional functions and circuitry contained within the module. In a first embodiment, additional circuitry is added to determine bit error rates at the point of the module itself. This allows a much better diagnostic evaluation of location of problem. In an alternate embodiment, various logic is placed in the module. In a first alternate embodiment encryption/decryption units are placed in the converter module so that encryption and decryption operations on the serial bitstream do not need to be performed in a switch. Existing switches can be used but the interconnecting links can still be encrypted. A second alternate embodiment includes compression/decompression units placed in the module to allow effective higher throughput on the selected links. | 07-05-2012 |
20140308032 | Diagnostic Port for Inter-Switch Link Testing in Electrical, Optical and Remote Loopback Modes - A diagnostic testing utility is used to perform single link diagnostics tests including an electrical loopback test, an optical loopback test, a link traffic test, and a link distance measurement test. To perform the diagnostic tests, two ports at each end of a link are identified and then statically configured by a user. The ports will be configured as D_Ports and as such will be isolated from the fabric with no data traffic flowing through them. The ports will then be used to send test frames to perform the diagnostic tests. | 10-16-2014 |