Patent application number | Description | Published |
20080268811 | PAYMENT APPLICATION DOWNLOAD TO MOBILE PHONE AND PHONE PERSONALIZATION - A method and system of personalizing a mobile phone over a wireless network is provided. The method is fast, reliable, and eliminates the need for an uninterrupted online connection to a host server in order to achieve successful download of user information. With the method and system, a mobile phone can be personalized for various purposes, such as for conducting financial transactions. | 10-30-2008 |
20080270300 | SYSTEM AND METHOD FOR PERFORMING PERSON-TO-PERSON FUNDS TRANSFERS VIA WIRELESS COMMUNICATIONS - A funds-transfer system includes a processor and a memory storing control logic for causing the processor to enable a buyer to transfer funds to a seller via a mobile telephone. The control logic includes program code for causing the processor to receive a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The control logic also includes program code for causing the processor to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller. Additionally, the control logic includes program code for causing the processor to provide a payment acknowledgment to the buyer's mobile telephone and to the seller. | 10-30-2008 |
20080270301 | MOBILE PAYMENT SYSTEM AND METHOD - A method which enables a merchant to obtain payment for a purchase from a customer who uses a mobile communication device to make the purchase, including uploading an application program to the customer's mobile communication device, and receiving a request for payment from a merchant terminal. The request for payment includes an identification code of the customer's mobile communication device and a purchase amount. The method further includes transmitting a purchase message to the customer's mobile communication device, the purchase message including an identification of the merchant, the purchase amount, and a request for purchase confirmation. The method further includes receiving a response to the request for purchase confirmation transmitted from the customer's mobile communication device, and if the response to the request for purchase confirmation is affirmative, transmitting to the merchant terminal information identifying a financial account belonging to the customer. | 10-30-2008 |
20080270302 | USER EXPERIENCE ON MOBILE PHONE - A method of operating a mobile phone as a financial transaction instrument is provided. Security features, which can disable the mobile phone so as to prevent account information from being transmitted, incorporate transaction limits and the use of a personal identification number. | 10-30-2008 |
20090079546 | DNA SAMPLE DATA IN A TRANSPONDER TRANSACTION - The present disclosure relates to the use of DNA sample data as part of a biometric security system in a transponder transaction. The biometric security system also includes a DNA sensor that detects biometric samples, and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a DNA sensor. In another embodiment, the system includes a reader configured with a DNA sensor. In yet another embodiment, the present invention discloses methods for proffering and processing DNA samples and DNA sample data to facilitate authorization of transactions. | 03-26-2009 |
20090119220 | AUTHORIZED SAMPLE RECEIVER - In an exemplary embodiment of the invention, an authorized sample receiver (ASR) comprises a processor that is configured to verify biometric sample data in order to create registered biometric sample data. The ASR may also comprise a communications device configured to receive a transaction request from an RF transaction device, wherein the transaction request comprises transaction biometric sample data, a reload protocol update request, and an RF device identification code. The ASR may also be configured to authorize the transaction request in response to the transaction biometric sample data substantially matching the registered biometric sample data. The ASR may further comprise a reload protocol data file associated with the device identification code, and the reload protocol data file may be configured to be updated in accordance with the reload protocol update request. | 05-07-2009 |
20090125401 | BIOMETRIC AUTHORIZATION OF AN RF TRANSACTION - A method and system for biometric authorization to facilitate a radio frequency transaction is disclosed. In an exemplary embodiment, a system and method is provided for using biometric sample and biometric sample data to authorize completion of an RF transaction. Authorization of biometric sample data may authorize increasing a preloaded value, or using an additional value to supplement the preloaded value, in order to facilitate completion of an RF transaction. | 05-14-2009 |
20090171851 | REGISTERING A BIOMETRIC FOR RADIO FREQUENCY TRANSACTIONS - An authorized sample receiver configured to verify an RF device in response to proffered biometric sample data is disclosed. The authorized sample receiver may be configured to receive data from the RF device and decrypt an encrypted authentication code using a unique device identification code. The RF device is authenticated in response to verifying proffered biometric sample data and the authentication code. | 07-02-2009 |
20090327131 | DYNAMIC ACCOUNT AUTHENTICATION USING A MOBILE DEVICE - Providing dynamic authentication of a user requesting access to a system via a mobile device is disclosed. An account holder tailors a set of customized security challenges and responses. When a request for account authentication is received from a mobile device, the system conducts a multi-step user authentication process that includes dynamically selecting and prompting the user with the custom security challenges. | 12-31-2009 |
20100030633 | SYSTEM FOR BIOMETRIC SECURITY USING A FOB - The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases. | 02-04-2010 |
20100030693 | METHOD AND SYSTEM FOR HAND GEOMETRY RECOGNITION BIOMETRICS ON A FOB - The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions. | 02-04-2010 |
20100120408 | SERVICING ATTRIBUTES ON A MOBILE DEVICE - Enabling remote customer service and maintenance using a visual identifier is disclosed. In response to a user enrolling in a service capability associated with a mobile device, the process utilizes a visual identifier to associate the service capability with the customer account, the service and the mobile device. The system allocates a visual identifier for each service capability and enables customer service agents to identify the service capability and mobile device, verify the user and retrieve information for the service interaction. | 05-13-2010 |
20100211448 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR REWARDS INTEGRATION FOR AN ONLINE TOOL - An online toolbar is provided to a user to add to a browser that allows the user to select a merchant website. When the user selects a merchant website, specific information about the user and the website to be accessed are used to build a personalized URL. The personalized URL, in turn, is used to connect to the website and initiate rewards program processing. After the user is taken to the requested website using the personalized URL, the user shops and is able to make purchases. In turn, a rewards program provider is notified of the purchase and information contained in the personalized URL. The rewards program provider then issues rewards based on predetermined business rules (e.g., 1× point, 2× points, everyday spend, non-everyday spend, etc.), and the rewards are awarded to the user according to a transaction. | 08-19-2010 |
20100265038 | METHOD AND SYSTEM FOR HAND GEOMETRY RECOGNITION BIOMETRICS ON A FOB - The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions. | 10-21-2010 |
20110161235 | SYSTEM AND METHOD FOR SECURING RF TRANSACTIONS USING A RADIO FREQUENCY IDENTIFICATION DEVICE INCLUDING A RANDOM NUMBER GENERATOR - A system and method for securing a Radio Frequency (RF) transaction using a RF identification device (RFID) transaction device is provided. The method includes a RFID transaction device including a random number generator for generating a random number. The random number may be used by an account issuer to verify the validity of a RFID transaction device or RFID reader communicating on the RF transactions network. The authorizing agent may receive the random number and compare the random number to a device validating code. | 06-30-2011 |
20120129514 | SERVICING ATTRIBUTES ON A MOBILE DEVICE - Enabling remote customer service and maintenance using a visual identifier is disclosed. In response to a user enrolling in a service capability associated with a mobile device, the process utilizes a visual identifier to associate the service capability with the customer account, the service and the mobile device. The system allocates a visual identifier for each service capability and enables customer service agents to identify the service capability and mobile device, verify the user and retrieve information for the service interaction. | 05-24-2012 |
20130024384 | HAND GEOMETRY BIOMETRICS ON A PAYMENT DEVICE - The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions. | 01-24-2013 |
20140080470 | PAYMENT APPLICATION DOWNLOAD TO MOBILE PHONE AND PHONE PERSONALIZATION - A method and system of personalizing a mobile phone over a wireless network is provided. The method is fast, reliable, and eliminates the need for an uninterrupted online connection to a host server in order to achieve successful download of user information. With the method and system, a mobile phone can be personalized for various purposes, such as for conducting financial transactions. | 03-20-2014 |
20140164229 | SYSTEM AND METHOD FOR PERFORMING PERSON-TO-PERSON FUNDS TRANSFERS VIA WIRELESS COMMUNICATIONS - A funds-transfer system enables a buyer to transfer funds to a seller via a mobile telephone. The system receives a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The system charges the purchase amount to the financial account held by the buyer and transfers the purchase amount to a financial account held by the seller. | 06-12-2014 |