Patent application number | Description | Published |
20090037333 | Credit cards system and method having additional features - 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. | 02-05-2009 |
20120130790 | METHOD AND SYSTEM FOR LOCATION- AND HISTORY-BASED DISTRIBUTION OF OFFERS TO MOBILE DEVICES - A method of distributing context based offers to a mobile device based on device location and user transaction history is disclosed. The geographic location of a mobile device associated with a user is disclosed. At least one merchant proximate to the geographic location is identified. A user account associated with the user is analyzed in order to identify at least one previous transaction between the user and the at least one merchant. Upon identifying at least one previous transaction, an offer for goods or services associated with the at least one merchant is distributed to the mobile device. | 05-24-2012 |
20120130866 | METHOD AND SYSTEM FOR CONSUMER TRANSACTIONS USING VOICE OR HUMAN BASED GESTURE ACTIONS - A method of initiating a consumer transaction using a human interaction device to read voice or human based gesture actions is disclosed. Video data is transmitted from a processing device to a display device. The video is monitoring for event data corresponding to a plurality of consumer products or services, and monitored event data is received in the processing device. A consumer is notified on the display device of an eligible consumer transaction. Voice or human based gesture actions are read with a human interaction device and are analyzed. If the voice or human based gesture actions conform to a predetermined set of requirements, then a consumer transaction for the plurality of consumer products or services is initiated. | 05-24-2012 |
20120130888 | METHOD AND SYSTEM FOR DISTRIBUTION OF ADVERTISEMENTS TO MOBILE DEVICES PROMPTED BY AURAL SOUND STIMULUS - A method for distributing context-based data using an acoustic receiving device and a high frequency analog acoustic signal is disclosed. The acoustic receiving device a high frequency analog acoustic signal. A high frequency analog acoustic signal is of a frequency of at least 21,000 Hz and contains encoded data. The high frequency analog acoustic signal is converted to a digital acoustic signal and then analyzed to obtain the encoded data. The data is decoded to obtain information, and the information is then displayed on the acoustic receiving device. | 05-24-2012 |
20120130889 | FINANCIAL CARD METHOD, DEVICE AND SYSTEM UTILIZING BAR CODES TO IDENTIFY TRANSACTION DETAILS - An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network. | 05-24-2012 |
20120131094 | METHOD AND SYSTEM FOR INDIRECT CONTROL OF A WEBSITE - A method for indirectly controlling a website using a user communication device is disclosed. A unique machine-readable code is displayed on a display device, the unique machine-readable code being specific to the display device displaying contents from a website through a server. The unique machine-readable code is readable by a user communication device, the user communication device in turn being able to communicate with the server through a communication path not involving an input device associated with the display device. Commands to control content displayed through the server are received from the user communication device. The commands include the identity of the specific display device by the displayed unique machine readable code. The content displayed on the specific display device is then changed accordingly. | 05-24-2012 |
20120303439 | USER-DEFINED ACCESS CONTROLS FOR ACCESSING USER VIA AN ELECTRONIC COMMUNICATION DEVICE - A system that controls what information can reach a user via an electronic or electrical communications device and under what circumstances is disclosed. The controls can be set by the user, e.g., an individual or an authorised person acting in a supervisory role. This provides a configurable communication inclusion and exclusion zone. Only communications that meet predefined or dynamically configured rules are presented to the user. These rules determine who can contact a user, when they can be contacted, where they can be contacted, with what message content and by which route. Users can thereby fully control how they receive communications or advertising messages. The platform also integrates payment capabilities to allow users to be paid for delivery of marketing messages with cash, cash equivalents, vouchers or premium media content such as news stories, music or films. | 11-29-2012 |
20130179336 | FINANCIAL CARD METHOD, DEVICE AND SYSTEM UTILIZING BAR CODES TO IDENTIFY TRANSACTION DETAILS - An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network. | 07-11-2013 |
20130185207 | METHOD AND SYSTEM FOR ONLINE AUTHENTICATION USING A CREDIT/DEBIT CARD PROCESSING SYSTEM - A system for online authentication using a payment card processing system, the system comprises: a managing computer system of a payment card service provider, the managing computer system having a memory device capable of storing data associating identifying information of individual customers with payment card accounts, and a computer processor configured to: receive a request for personal information of a customer on a relying party website, and wherein the relying party website is a member of the payment card processing system; request and receive identifying information of the customer for at least one payment card of the customer; present at least one authentication question to the customer to validate the customer; and validate the customer upon receipt of at least one correct answer to the at least one authentication question. | 07-18-2013 |
20130226801 | METHOD AND SYSTEM FOR FACILITATING MICROPAYMENTS IN A FINANCIAL TRANSACTION SYSTEM - A system for processing accounts includes a database configured to store a plurality of accounts, the accounts including a consumer account associated with a consumer and a plurality of merchant accounts including a transacting merchant account associated with a merchant, wherein at least one account includes an amount of a virtual currency associated with the account. The system further includes a processor configured to process a financial transaction, wherein the transaction includes the consumer and the merchant, is for a specified amount of virtual currency, and processing the transaction includes transferring the specified amount of virtual currency from the consumer account to the transacting merchant account. The processor is further configured to process the at least one account, wherein processing the at least one account includes converting the associated amount of virtual currency to or from a real currency when the at least one account meets a predetermined criteria. | 08-29-2013 |
20130311255 | METHOD AND SYSTEM FOR DISPLAYING AND UPDATING LIMITED REDEMPTION COUPONS ON A MOBILE DEVICE - A method for updating a limited redemption coupon includes: storing, in a database, at least one coupon record for at least one coupon, wherein the at least one coupon record includes at least a limitation on redemption associated with the at least one coupon; updating, in the database, the limitation on redemption associated with the at least one coupon in response to a limiting event; and transmitting, by a transmitting device, the updated limitation on redemption associated with the at least one coupon to at least one mobile communication device for display on the at least one mobile communication device. | 11-21-2013 |
20140122340 | CREDIT CARD SYSTEM AND METHOD HAVING ADDITIONAL FEATURES - 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. | 05-01-2014 |
20140195435 | METHOD AND SYSTEM FOR FACILITATING MICROPAYMENTS IN A FINANCIAL TRANSACTION SYSTEM - A system for processing accounts includes a database configured to store a plurality of accounts, the accounts including a consumer account associated with a consumer and a plurality of merchant accounts including a transacting merchant account associated with a merchant, wherein at least one account includes an amount of a virtual currency associated with the account. The system further includes a processor configured to process a financial transaction, wherein the transaction includes the consumer and the merchant, is for a specified amount of virtual currency, and processing the transaction includes transferring the specified amount of virtual currency from the consumer account to the transacting merchant account. The processor is further configured to process the at least one account, wherein processing the at least one account includes converting the associated amount of virtual currency to or from a real currency when the at least one account meets a predetermined criteria. | 07-10-2014 |