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Secure credit/debit card authorization 원문보기

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • H04M-017/00
  • H04M-011/00
출원번호 US-0300096 (1994-09-01)
발명자 / 주소
  • Colbert Raymond O. (Naperville IL)
출원인 / 주소
  • AT&T Corp. (Murray Hill NJ 02)
인용정보 피인용 횟수 : 455  인용 특허 : 0

초록 ▼

This invention relates to methods for making a credit/debit card purchase without revealing the card number to the vendor of services or goods. The card holder is connected to a data base and provides the card number, plus holder identity verification, to the data base. The data base then verifies w

대표청구항 ▼

In a database system for authorizing a credit/debit card (CDC) expenditure, a method for authorizing credit/debit for a purchase of goods or services comprises: receiving data in the database over a first telecommunications connection from a CDC holder at a first location, the data identifying a spe

이 특허를 인용한 특허 (455)

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  147. Monahan, Jay; Handler, Bradley A., Method and system for communicating user interfaces between first and second users over a network.
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  148. Monahan, Jay; Handler, Bradley A., Method and system for communicating user interfaces between first and second users over a network.
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  149. Monahan, Jay; Handler, Bradley A., Method and system for communicating user interfaces between first and second users over a network.
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  150. Monahan, Jay; Handler, Bradley A., Method and system for communicating user interfaces between first and second users over a network.
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  151. Walker Jay S. ; Tedesco Daniel E. ; Van Luchene Andrew S. ; Jorasch James A., Method and system for controlling authorization of credit card transactions.
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  152. Walker Jay S. ; Tedesco Daniel E. ; Van Luchene Andrew S. ; Jorasch James A., Method and system for controlling authorization of credit card transactions.
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  153. Veres, Robert Dean; Liang, Ching-Jye, Method and system for customizing a network-based transaction facility seller application.
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  154. Sun, Ken; Ghatare, Sanjay Pundlkrao; Dumon, Oliver G.; Netzloff, Julie Lavee; Rehman, Muhammad Faisal; McDonald, Ryan, Method and system for determining an order of presentation of search results.
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  155. Sun, Ken; Ghatare, Sanjay Pundlkrao; Dumon, Olivier G.; Netzloff, Julie; Rehman, Muhammad Faisal; McDonald, Ryan, Method and system for determining an order of presentation of search results.
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  156. Walker Jay S. ; Schneier Bruce ; Case T. Scott, Method and system for establishing and maintaining user-controlled anonymous communications.
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  157. Walker Jay S. ; Schneier Bruce ; Case T. Scott, Method and system for facilitating an employment search incorporating user-controlled anonymous communications.
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  158. Levy, Daniele V.; Grove, Steve; Mohnia, Dheeraj; Poon, Alex, Method and system for harvesting feedback and comments regarding multiple items from users of a network-based transaction facility.
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  159. Levy,Daniele V.; Grove,Steve; Mohnia,Dheeraj; Poon,Alex, Method and system for harvesting feedback and comments regarding multiple items from users of a network-based transaction facility.
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  160. Boone, Barry; Sacco, Nathan; Chard, Rhys, Method and system for listing items globally and regionally, and customized listing according to currency or shipping area.
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  161. Boone, Barry; Sacco, Nathan; Chard, Rhys, Method and system for listing items globally and regionally, and customized listing according to currency or shipping area.
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  162. Pearson, Jennifer; Poon, Alex D.; Poon, Buffy, Method and system for maintaining login preference information of users in a network-based transaction facility.
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  163. Pearson, Jennifer; Poon, Alex Dai-Shun; Poon, Buffy, Method and system for maintaining login preference information of users in a network-based transaction facility.
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  164. Pearson, Jennifer; Poon, Alex Dai-Shun; Poon, Buffy, Method and system for maintaining login preference information of users in a network-based transaction facility.
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  165. Pearson, Jennifer; Poon, Alex Dai-Shun; Poon, Buffy, Method and system for maintaining login preference information of users in a network-based transaction facility.
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  166. Pearson,Jennifer; Poon,Alex D.; Poon,Buffy, Method and system for maintaining login preference information of users in a network-based transaction facility.
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  167. Fisher, Alan S.; Kaplan, Samuel Jerrold, Method and system for performing a progressive auction.
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  168. Beenau,Blayn W; Bonalle,David S; Fields,Seth W; Gray,William J; Larkin,Carl; Montgomery,Joshua L; Saunders,Peter D, Method and system for proffering multiple biometrics for use with a FOB.
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  169. Shu, Lingyan, Method and system for protecting sensitive information and preventing unauthorized use of identity information.
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  170. Boone, Barry; Sacco, Nathan; Chard, Rhys, Method and system for providing a record.
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  171. Fisher, Alan S.; Kaplan, Samuel Jerrold, Method and system for providing simultaneous on-line auctions.
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  172. Barnes, Brian T.; Bonalle, David S.; Saunders, Peter D., Method and system for resource management and evaluation.
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  173. Woolston, Thomas G., Method and system for retrieving information regarding an item posted for sale.
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  174. Liu, Allen Yihren; King, Philip J.; Agrawal, Ajay K., Method and system for sharing metadata between interfaces.
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  175. Beenau,Blayn W.; Bonalle,David S.; Fields,Seth W.; Gray,William J.; Larkin,Carl; Montgomery,Joshua L.; Saunders,Peter D., Method and system for smellprint recognition biometrics on a fob.
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  176. Wilson,Michael, Method and system for the creation and communication of notes concerning an auction participant or item within a network-based auction facility.
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  177. Barnes, Brian; Bonalle, David S.; Saunders, Peter D., Method and system for tracking user performance.
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  178. Barnes,Brian; Bonalle,David S.; Saunders,Peter D., Method and system for tracking user performance.
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  179. Fisher, Alan S.; Kaplan, Samuel Jerrold, Method and system for updating information on a merchandise catalog page.
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  180. Schwankl, Michael; Balijepalli, Srinivas; Geshel, Vadim; Borowsky, Pete; Kopelman, Joshua, Method and system of facilitating a transaction.
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  181. Grove, Brian Alan; Edson, Zak James; Grove, Steve; Sandler, Andrew Leigh, Method and system to adjust a seller fixed price offer.
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  182. Taylor, Jeffrey; Morin, Noel; Goodwine, Annette; Sze, Vicky; Cooney, Kevin W.; Hsin, James; Fung, Elaine; Shaviv, Vered; Maltzman, Reed, Method and system to automatically qualify a party to participate within a network-based commerce transaction.
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  183. Taylor, Jeffrey; Morin, Noel; Goodwine, Annette; Sze, Vicky; Hsin, James; Fung, Elaine; Shaviv, Vered; Maltzman, Reed, Method and system to automatically qualify a party to participate within a network-based commerce transaction.
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  184. Taylor, Jeffrey; Morin, Noel; Goodwine, Annette; Sze, Vicky; Hsin, James; Fung, Elaine; Shaviv, Vered; Maltzman, Reed, Method and system to automatically qualify a party to participate within a network-based commerce transaction.
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  185. Taylor, Jeffrey; Morin, Noel; Goodwine, Annette; Sze, Vicky; Hsin, James; Fung, Elaine; Shaviv, Vered; Maltzman, Reed, Method and system to automatically qualify a party to participate within a network-based commerce transaction.
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  186. Embree, Kevin H., Method and system to detect outlying behavior in a network-based marketplace.
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  187. Munro, Bart; Pritchett, Daniel L; Monier, Louis Marcel Gino, Method and system to display and search in a language independent manner.
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  188. Munro, Jr., W. Barton; Pritchett, Dan; Monier, Louis, Method and system to display and search in a language independent manner.
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  189. Stuart, Erik Anderson, Method and system to enable a fixed price purchase within a multi-unit online auction environment.
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  190. Stuart, Erik Anderson, Method and system to enable a fixed price purchase within a multi-unit online auction environment.
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  191. Maltzman,Reed, Method and system to enable a fixed price purchase within a online auction environment.
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  192. Lee, Stacy A.; Early, Justin Christopher; McSpadden, Kevin; Pedone, Greg, Method and system to facilitate an online promotion relating to a network-based marketplace.
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  193. Schwankl, Michael; Balijepalli, Srinivas; Geshel, Vadim; Borowsky, Pete; Kopelman, Joshua, Method and system to facilitate pre-ordering via an electronic commerce facility, and to automatically facilitate satisfying of a pre-order upon listing of an appropriate offer via the electronic commerce facility.
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  194. Taylor, Jeffrey; Morin, Noel; Goodwine, Annette; Sze, Vicky; Cooney, Kevin W.; Hsin, James; Fung, Elaine; Shaviv, Vered, Method and system to implement seller authorized buying privileges within a network-based shopping facility.
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  195. Taylor,Jeffrey; Morin,Noel; Goodwine,Annette; Sze,Vicky; Cooney,Kevin W.; Hsin,James; Fung,Elaine; Shaviv,Vered, Method and system to implement seller authorized buying privileges within a network-based shopping facility.
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  196. Woolston, Thomas G., Method for facilitating commerce at an internet-based auction.
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  197. Kelly, Matthew F.; Kelly, Bryan M.; Petermeier, Norman B.; Kroeckel, John G.; Link, John E., Method for providing games over a wide area network.
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  198. Woolston, Thomas G., Method for reposting a good for sale using a consignment node.
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  199. Jalili, Reza, Method for telephone-based authenticated authorization of transactions.
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  200. Yadav-Ranjan, Rani K., Method for transferring an amount to be paid.
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  201. Felger, David, Method of billing a purchase made over a computer network.
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  202. Felger, David, Method of billing a purchase made over a computer network.
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  203. Felger, David, Method of billing a purchase made over a computer network.
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  204. Boulware, Van W., Method of conducting anti-fraud electronic bank security transactions having price-date-time variables and calculating apparatus thereof.
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  205. Cowen, Michael J., Method, apparatus, and computer program product for topping up prepaid payment cards for offline use.
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  206. Cowen, Michael J., Method, apparatus, and computer program product for topping up prepaid payment cards for offline use.
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  207. Cowen, Michael J., Method, apparatus, and computer program product for topping up prepaid payment cards for offline use.
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  208. Peart, Lee J.; Saunders, Peter D., Methods and apparatus for a secure proximity integrated circuit card transactions.
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  209. Maltzman, Reed, Methods and machine readable mediums to enable a fixed price purchase within an online auction environment.
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  210. Levy, Daniele V.; Grove, Steve; Mohnia, Dheeraj; Poon, Alex, Methods and systems for harvesting comments regarding events on a network-based commerce facility.
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  211. Levy, Daniele; Grove, Steve; Mohnia, Dheeraj Singh; Poon, Alex Dai-Shun, Methods and systems for harvesting comments regarding users on a network-based facility.
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  212. Woolston, Thomas G., Methods and systems for searching for goods.
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  213. Woolston, Thomas G., Methods and systems for searching for goods and services.
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  214. Woolston, Thomas G., Methods and systems for searching for goods in a virtual marketplace.
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  215. Bishop, Fred A.; Saunders, Peter D., Methods for a third party biller to receive an allocated payment authorization request.
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  216. Bishop, Fred A.; Saunders, Peter D., Methods for locating a payment system utilizing a point of sale device.
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  217. Bishop, Fred A.; Saunders, Peter D., Methods for processing a payment authorization request utilizing a network of point of sale devices.
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  218. Dominguez, Benedicto H.; Manessis, Thomas J.; Roth, Janet T.; Caillon, Pascal Achille; Spielman, Jason; Spielman, Terence; Reno, James Donald, Mobile account authentication service.
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  219. Dominguez, Benedicto H.; Manessis, Thomas J.; Roth, Janet T.; Caillon, Pascal Achille; Spielman, Jason; Spielman, Terence; Reno, James Donald, Mobile account authentication service.
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  220. Wentker, David; Lindelsee, Michael; Brand, Olivier; Dimmick, James; Singh Grewal, Tribhuwan A., Mobile device initiated transaction.
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  221. Modi, Vikram, Money transfer service with authentication.
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  222. Vogel, Inna; Ye, Mei, Monitoring and automatic notification of irregular activity in a network-based transaction facility.
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  223. Digrigoli, Giacomo; Lee, George, Multi currency exchanges between participants.
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  224. Digrigoli, Giacomo; Lee, George, Multi currency exchanges between participants.
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  225. Digrigoli, Giacomo; Lee, George, Multi currency exchanges between participants of a network-based transaction facility.
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  226. Digrigoli, Giacomo; Lee, George, Multi currency exchanges between participants of a networked-based transaction facility.
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  227. Gerber, Gary E.; Lee, Timothy Mu-Chu, Multiple party benefit from an online authentication service.
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  228. Sermersheim, James; Hodgkinson, Andrew A.; Sanders, Daniel S.; Doman, Thomas E.; Buss, Duane F., Multiple persona information cards.
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  229. Dominguez, Benedicto H.; Manessis, Thomas J.; Reno, James Donald, Online account authentication service.
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  230. Weller, Kevin D.; Ryan, Stephen W.; Hill, Peter R.; Manessis, Thomas J.; Lewis, Tony D.; Dominguez, Benedicto H.; Bray, Peter; Reno, James Donald, Online payer authentication service.
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  231. Weller, Kevin D.; Ryan, Stephen W.; Hill, Peter R.; Manessis, Thomas J.; Lewis, Tony D.; Dominguez, Benedicto H.; Bray, Peter; Reno, James Donald, Online payer authentication service.
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  232. McGhie, Sean I.; Buchheit, Brian K., Online shopping sites for redeeming loyalty points.
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  233. Felsted, Patrick R.; Doman, Thomas E.; Sermersheim, James G.; Sanders, Daniel S.; Hodgkinson, Andrew A.; Olds, Dale R., Performing a business transaction without disclosing sensitive identity information to a relying party.
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  234. Hess, Martin L.; Wilson, Michael K., Periodically reloading image in order to obtain any changes to the images.
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  235. Johnson, Peter K.; Minnick, J. Doug; Robertson, Ian; Peterson, Samuel J., Point-and-shoot product lister.
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  236. Johnson, Peter K.; Minnick, J. Doug; Robertson, Ian; Peterson, Samuel J., Point-and-shoot product lister.
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  237. Hodgkinson, Andrew A.; Buss, Duane F.; Doman, Thomas E.; Felsted, Patrick R.; Sermersheim, James G., Policy-based auditing of identity credential disclosure by a secure token service.
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  238. Byrne, Patrick Michael; Atkinson, Geoffrey Russell, Positioning E-commerce product related to graphical imputed consumer demand.
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  239. Watson, Angela; Richardson, Rebecca; Jalora, Anshu; Liu, Wendy; Hofmann, Ryan, Pricing and forecasting.
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  240. Suzuki,Stephanie Ann; Giridharagopal,Rajini Bala; Iwamoto,Neil Y.; Sevastyanov,Vladimir; Slick,Royce E.; Page,Martin Ervin; Shoa,Katayoun; Tanaka,Yokichi Joe; Chen,Paul; Keung,Stephen, Printing with credit card as identification.
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  241. Leahy, Scott; Cohen, Alon, Prioritization of third party access to an online commerce site.
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  242. Leahy, Scott; Cohen, Alon, Prioritization of third party access to an online commerce site.
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  243. Leahy, Scott; Cohen, Alon, Prioritization of third party access to an online commerce site.
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  244. Leahy, Scott; Cohen, Alon, Prioritization of third party access to an online commerce site.
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  245. Leahy, Scott; Cohen, Alon, Prioritization of third party access to an online commerce site.
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  246. Leahy, Scott; Cohen, Alon, Prioritization of third party access to an online commerce site.
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  247. Leahy, Scott; Cohen, Alon, Prioritization of third party access to an online commerce site.
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  248. Leahy, Scott; Cohen, Alon, Prioritization of third party access to an online commerce site.
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  249. Leahy,Scott; Cohen,Alon, Prioritization of third party access to an online commerce site.
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  250. Yadav-Ranjan, Rani K., Process and device for conducting electronic transactions using wireless and cellular devices.
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  251. Dominguez, Benedicto H.; Manessis, Thomas J.; Rutherford, Melody L.; Salvatori, Sandra; Roth, Janet T., Profile and identity authentication service.
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  252. Sandberg-Diment Erik, Providing verification information for a transaction.
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  253. Bonalle, David S.; Freud, Aliza; Nanton, Jason; Fitzmaurice Reilly, Mary Ann; Sharp, Ray, Public/private dual card system and method.
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  254. Bonalle,David S.; Freud,Aliza; Nanton,Jason E.; Reilly,Mary Ann Fitzmaurice; Sharp,Ray, Public/private dual card system and method.
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  255. Veres, Robert Dean; Liang, Ching-Jye, Publishing user submissions.
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  256. Veres, Robert Dean; Liang, Ching-Jye, Publishing user submissions at a network-based facility.
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  257. Biship,Fred; Saunders,Peter D, RF payment via a mobile device.
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  258. Bishop, Fred; Saunders, Peter D., RF payment via a mobile device.
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  259. Bonalle, David S.; Fehlhaber, Jeff; Saunders, Peter D., RF transaction device.
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  260. Saunders, Peter D, RF transaction system and method for storing user personal data.
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  261. Bishop, Fred, RF transactions using a wireless reader grid.
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  262. Bishop, Fred; Saunders, Peter D, Recurrent billing maintenance with radio frequency payment devices.
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  263. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Registering a biometric for radio frequency transactions.
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  264. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Registering a biometric for radio frequency transactions.
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  265. Yu, Kevin John; Chong, Joseph; Tien, Alan, Release of funds based on criteria.
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  266. Yu, Kevin John; Chong, Joseph; Tien, Alan, Release of funds based on criteria.
    상세보기
  267. Berardi, Michael J.; Bliman, Michal; Bonalle, David; Elwood, Jennifer Anne; Hood, Matthew C.; Isenberg, Susan E.; Mayers, Alexandra; Perry, Trevor J.; Saunders, Peter D.; Scheding, Kathryn D.; Shah, Sejal Ajit; VonWald, Kristin L.; Williamson, John R., Reload protocol at a transaction processing entity.
    상세보기
  268. Burch, Lloyd Leon; Sanders, Daniel S.; Hodgkinson, Andrew A.; Carter, Stephen R., Remotable information cards.
    상세보기
  269. Wentker, David; Lindelsee, Michael; Brand, Olivier; Dimmick, James; Grewal, Tribhuwan A. Singh, Remote authentication system.
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  270. Wentker, David; Lindelsee, Michael; Brand, Olivier; Dimmick, James; Singh Grewal, Tribhuwan A., Remote authentication system.
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  271. McGhie, Sean I.; Buchheit, Brian K., Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds.
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  272. McGhie, Sean I.; Buchheit, Brian K., Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds.
    상세보기
  273. Jalili Reza, Secure purchase transaction method using telephone number.
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  274. Bonalle, David S; Isenberg, Susan E; Saunders, Peter D; Williamson, John R, Securing RF transactions using a transactions counter.
    상세보기
  275. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Elwood, Jennifer Anne; Hood, Matthew C.; Isenberg, Susan E.; Mayers, Alexandra; Saunders, Peter D.; Scheding, Kathryn D.; Shah, Sejal Ajit; Williamson, John R., Securing a transaction between a transponder and a reader.
    상세보기
  276. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Elwood, Jennifer Anne; Hood, Matthew C.; Isenberg, Susan E.; Saunders, Peter D.; Scheding, Kathryn D.; Shah, Sejal Ajit; Williamson, John R.; Mayers, Alexandra, Securing a transaction between a transponder and a reader.
    상세보기
  277. Kramer Glenn A. ; Weber Jay C., Settlement of aggregated electronic transactions over a network.
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  278. Bonalle,David S.; Salow,Glen, Smartcard transaction method and system using voiceprint recognition.
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  279. Bonalle, David S.; Salow, Glen, Smartcard transaction system and method.
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  280. Bonalle, David S.; Salow, Glen, Smartcard transaction system and method.
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  281. Byrne, Patrick Michael; Park, Susan, Social choice engine.
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  282. Byrne, Patrick Michael; Park, Susan, Social choice engine.
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  283. Hobbs,Chris; Park,Grace; Rubinshtein,Tomer, System and method for a prepaid card issued by a foreign financial institution.
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  284. Berardi,Michael J.; Bliman,Michal; Bonalle,David; Elwood,Jennifer Anne; Hood,Matthew C.; Isenberg,Susan E.; Mayers,Alexandra; Perry,Trevor J.; Saunders,Peter D.; Scheding,Kathryn D.; Shah,Sejal Ajit;, System and method for assigning a funding source for a radio frequency identification device.
    상세보기
  285. Robertson, Ian B., System and method for assigning computer users to test groups.
    상세보기
  286. Bishop,Fred; Saunders,Peter D, System and method for authenticating a RF transaction using a transaction account routing number.
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  287. Unger, Nicholas K.; Price, Timothy M.; Ramsay, John R.; Skaddan, Dana N., System and method for automated third party verification.
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  288. Robinson,Timothy, System and method for biometric authorization for financial transactions.
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  289. Robinson, Timothy L.; Schildt, Bradford R.; Goff, Tennille V.; Corwin, Daniel J., System and method for biometrically-initiated refund transactions.
    상세보기
  290. Robinson,Timothy L.; Schildt,Bradford R.; Goff,Tennille V.; Corwin,Daniel J., System and method for biometrically-initiated refund transactions.
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  291. Robinson, Timothy L.; Schildt, Bradford R.; Goff, Tennille V.; Corwin, Daniel J.; Watson, Timothy Neil, System and method for categorizing transactions.
    상세보기
  292. Robinson, Timothy L.; Schildt, Bradford R.; Goff, Tennille V.; Corwin, Daniel J.; Watson, Timothy Neil, System and method for categorizing transactions.
    상세보기
  293. Robinson,Timothy L.; Schildt,Bradford R.; Goff,Tennille V.; Corwin,Daniel J.; Watson,Timothy Neil, System and method for categorizing transactions.
    상세보기
  294. Fisher, Alan S.; Kaplan, Samuel Jerrold, System and method for creating a customer account.
    상세보기
  295. Fisher, Alan S.; Kaplan, Samuel Jerrold, System and method for creating a customer account.
    상세보기
  296. Mullen, Matthew; Rockelman, Mark; Patterson, Barbara, System and method for data completion including push identifier.
    상세보기
  297. Bonalle, David S.; Larkin, Carl; Saunders, Peter D., System and method for dynamic fob synchronization and personalization.
    상세보기
  298. Foss, Jr., Sheldon H.; James, Jr., Dennis H., System and method for dynamically managing a financial account.
    상세보기
  299. Littrell, Nathan Bowman, System and method for electric vehicle charging and billing using a wireless vehicle communication service.
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  300. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Saunders, Peter D., System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions.
    상세보기
  301. Baranowski, James A., System and method for enhanced RFID instrument security.
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  302. Baranowski, James A., System and method for enhanced RFID instrument security.
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  303. Robinson, Timothy L.; Schildt, Bradford R.; Goff, Tennille V.; Corwin, Daniel J., System and method for enrolling in a biometric system.
    상세보기
  304. Robinson, Timothy L.; Schildt, Bradford R.; Goff, Tennille V.; Robinson, Mark B., System and method for enrolling in a biometric system.
    상세보기
  305. Robinson, Timothy L.; Schildt, Bradford R.; Gott, Tennille V.; Robinson, Mark B., System and method for enrolling in a biometric system.
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  306. Robinson,Timothy L.; Schildt,Bradford R.; Goff,Tennille V.; Robinson,Mark B., System and method for enrolling in a biometric system.
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  307. Benkert, Marc; Hobbs, Chris; Okamoto, Kazuhiko; Park, Grace; Rubinshtein, Tomer, System and method for facilitating a subsidiary card account.
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  308. Dunn,Melanie; Hobbs,Chris; Menichilli,Julie; Rances,Mary, System and method for facilitating a subsidiary card account with controlled spending capability.
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  309. Saunders, Peter D, System and method for facilitating a transaction using a revolving use account associated with a primary account.
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  310. Walker, Jay S.; Tedesco, Daniel E.; Van Luchene, Andrew S.; Jorasch, James A., System and method for facilitating account-based transactions.
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  311. Walker, Jay S.; Tedesco, Daniel E.; Van Luchene, Andrew S.; Jorasch, James A., System and method for facilitating account-based transactions.
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  312. Walker, Jay S.; Tedesco, Daniel E.; Van Luchene, Andrew S.; Jorasch, James A., System and method for facilitating account-based transactions.
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  313. Walker,Jay S.; Tedesco,Daniel E.; Van Luchene,Andrew S.; Jorasch,James A., System and method for facilitating account-based transactions.
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  314. Peart, Lee J; Saunders, Peter D, System and method for generating an unpredictable number using a seeded algorithm.
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  315. Martin, James, System and method for graphically building weighted search queries.
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  316. Martin, James, System and method for graphically building weighted search queries.
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  317. Morin, Noel; Holmquest, Hilary; Maltzman, Reed; Taylor, Jeffrey, System and method for handling complaints about unsolicited communications.
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  318. Wang, Hsiaozhang Bill, System and method for handling item listings with generic attributes.
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  319. Wang, Hsiaozhang Bill, System and method for handling item listings with generic attributes.
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  320. Saunders, Peter D, System and method for managing a transaction protocol.
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  321. Faenza, Jr.,William J.; Lasch,Ellen; Saunders,Peter D.; Webb,Lisa, System and method for manufacturing a punch-out RFID transaction device.
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  322. Saunders, Peter D., System and method for manufacturing a punch-out RFID transaction device.
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  323. Saunders, Peter D., System and method for manufacturing a punch-out RFID transaction device.
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  324. Robinson, Timothy L.; Schildt, Bradford R.; Goff, Tennille V.; Corwin, Daniel J.; Watson, Timothy Neil, System and method for offering in-lane periodical subscriptions.
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  325. Robinson, Timothy L.; Schildt, Bradford R.; Goff, Tennille V.; Corwin, Daniel J.; Watson, Timothy Neil, System and method for operating a parking facility.
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  326. Berardi,Michael J.; Bliman,Michal; Bonalle,David S.; Elwood,Jennifer Anne; Hood,Matthew C.; Isenberg,Susan E.; Mayers,Alexandra; Saunders,Peter D.; Scheding,Kathryn D.; Shah,Sejal Ajit; Williamson,Jo, System and method for payment using radio frequency identification in contact and contactless transactions.
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  327. D'Agostino, John, System and method for performing secure credit card purchases.
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  328. D'Agostino, John, System and method for performing secure credit card transactions.
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  329. Harris, David N., System and method for pre-verifying commercial transactions.
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  330. Mizrah,Len L., System and method for private secure financial transactions.
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  331. Hoffman, Ned; Lapsley, Philip Dean, System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse.
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  332. Hoffman, Ned; Lapsley, Philip Dean, System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse.
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  333. Hoffman, Ned; Lapsley, Philip Dean, System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse.
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  334. Hoffman, Ned; Lapsley, Philip Dean, System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse.
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  335. Harris Jeffrey ; Kirschner Douglas ; Purdy James, System and method for providing a discount credit transaction network.
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  336. Bonalle,David S; Francolini,Gail A; Ing,Samantha S; Kunian,Danielle; Nulle,Danielle R, System and method for providing and RFID transaction device.
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  337. Robinson, Timothy L.; Schildt, Bradford R.; Goff, Tennille V.; Corwin, Daniel J.; Watson, Timothy Neil, System and method for purchase benefits at a point of sale.
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  338. Robinson,Timothy L.; Schildt,Bradford R.; Goff,Tennille V.; Corwin,Daniel J.; Watson,Timothy Neil, System and method for purchase benefits at a point of sale.
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  339. Bishop, Fred; Neemann, Trey; Armes, David, System and method for reassociating an account number to another transaction account.
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  340. Fisher, Alan S.; Kaplan, Samuel Jerrold, System and method for receiving a bid.
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  341. Saunders,Peter D., System and method for remotely initializing a RF transaction.
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  342. Littrell, Nathan Bowman, System and method for roaming billing for electric vehicles.
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  343. Saunders, Peter D; Barnes, Brian T, System and method for secure transactions manageable by a transaction account provider.
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  344. Harris,David N., System and method for securing a credit account.
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  345. Saunders, Peter, System and method for securing a recurrent billing transaction.
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  346. Peart, Lee J.; Saunders, Peter D., System and method for securing sensitive information during completion of a transaction.
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  347. Hoffman, Ned, System and method for tokenless biometric authorization of electronic communications.
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  348. Hoffman, Ned, System and method for tokenless biometric authorization of electronic communications.
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  349. Hoffman, Ned, System and method for tokenless biometric electronic scrip.
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  350. Harris, David N., System and method for verifying commercial transactions.
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  351. Robinson, Timothy L.; Schildt, Bradford R.; Goff, Tennille V.; Corwin, Daniel J.; Watson, Timothy Neil, System and method for verifying identity.
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  352. Buss, Duane; Hodgkinson, Andrew; Doman, Tom, System and method for virtual information cards.
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  353. Morin, Noel; Holmquest, Hilary, System and method to control sending of unsolicited communications relating to a plurality of listings in a network-based commerce facility.
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  354. Morin, Noel; Holmquest, Hilary; Maltzman, Reed; Taylor, Jeffrey, System and method to control sending of unsolicited communications relating to a plurality of listings in a network-based system based on an identifier of the sender of the unsolicited communication.
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  355. Grove, Steve, System and method to facilitate translation of communications between entities over a network.
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  356. Grove, Steve, System and method to facilitate translation of communications between entities over a network.
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  357. Grove, Steve, System and method to facilitate translation of communications between entities over a network.
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  358. Cooper, Dave M. L.; Woronuk, Dennis; Woodward, Robert S.; Zeeb, Kevin G.; Mullen, Thomas Joseph, System and method to provide real time transaction validation and billing via a communications network.
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  359. MacDonald-Korth, Holly C.; Peterson, Samuel Jacob, System and methods for electronic commerce using personal and business networks.
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  360. MacDonald-Korth, Holly C.; Peterson, Samuel Jacob, System and methods for electronic commerce using personal and business networks.
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  361. Beenau,Blayn W.; Bonalle,David S.; Fields,Seth W.; Gray,William J.; Larkin,Carl; Montgomery,Joshua L.; Saunders,Peter D., System for biometric security using a FOB.
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  362. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, System for biometric security using a fob.
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  363. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, System for biometric security using a fob.
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  364. Breck, Lydia; Zoob, Jessica; Salow, Glen; Bishop, Fred; Schwarz, William; Glazer, Elliot; Johnstone, David; Cunningham, Katie; Nambiar, Anant; Belt, Jan Nunney; Wittwer, Martin; Armes, David; Chow, Christina, System for facilitating a transaction.
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  365. Vogel, Inna; Ye, Mei, System to monitor irregular activity.
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  366. Vogel, Irina; Ye, Mei, System to monitor irregular activity.
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  367. Friedman, Solomon, System, method and apparatus for establishing privacy in internet transactions and communications.
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  368. Nguyen Trong ; Haller Daniel R. ; Kramer Glenn A., System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture.
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  369. Nguyen Trong ; Subramanian Mahadevan P. ; Haller Daniel R., System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser.
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  370. Kramer Glenn A., System, method and article of manufacture for a modular gateway server architecture.
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  371. Rowney Kevin T. B., System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible.
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  372. Bahreman Ali Reza, System, method and article of manufacture for dynamic negotiation of a network payment framework.
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  373. Weber Jay C. ; Rowney Kevin T. B. ; Kramer Glenn A., System, method and article of manufacture for exchanging software and configuration data over a multichannel, extensible, flexible architecture.
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  374. Haller Daniel R. ; Nguyen Trong, System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing.
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  375. Williams Humphrey, System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture.
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  376. Haller Daniel R. ; Nguyen Trong ; Rowney Kevin T. B. ; Berger David A. ; Kramer Glenn A., System, method and article of manufacture for managing transactions in a high availability system.
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  377. Weber Jay C. ; Berger David A. ; Arora Atul, System, method and article of manufacture for multiple-entry point virtual point of sale architecture.
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  378. Williams Humphrey ; Hughes Kevin ; Parmar Bipinkumar G., System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment.
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  379. Berger David A. ; Weber Jay C. ; Kramer Glenn A., System, method and article of manufacture for processing a plurality of transactions from a single initiation point on a.
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  380. Weber Jay C., System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensi.
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  381. Rowney Kevin Thomas Bartholomew ; Nadig Deepak S., System, method and article of manufacture for secure network electronic payment and credit collection.
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  382. Williams Humphrey ; Hughes Kevin ; Parmar Bipinkumar G., System, method and article of manufacture for the use of payment instrument holders and payment instruments in network.
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  383. Kevin T. B. Rowney, System, method and article of manufacture for transmitting messages within messages utilizing an extensible, flexible architecture.
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  384. Weber Jay C., System, method and article of manufacture for verifying the operation of a remote transaction clearance system utilizing.
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  385. Berger David A. ; Weber Jay C. ; Madapurmath Vilas I., System, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible archite.
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  386. MacDonald Korth, Holly C.; Peterson, Samuel Jacob, System, program product, and methods for online image handling.
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  387. MacDonald Korth, Holly C.; Peterson, Samuel Jacob, System, program product, and methods for online image handling.
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  388. MacDonald Korth, Holly C; Peterson, Samuel Jacob, System, program product, and methods for online image handling.
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  389. Byrne, Patrick, System, program product, and methods for social network advertising and incentives for same.
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  390. Bishop, Fred; Sharma, Bansi L.; Thomas, Tracey R., Systems and methods for adjusting crediting limits to facilitate transactions.
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  391. Bishop, Fred A.; Saunders, Peter D., Systems and methods for allocating a payment authorization request to a payment processor.
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  392. Bishop, Fred A.; Sharma, Bansi L.; Thomas, Tracey R., Systems and methods for approval of an allocation.
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  393. Bishop, Fred A.; Sharma, Bansi L.; Thomas, Tracey R., Systems and methods for authorizing an allocation of an amount between transaction accounts.
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  394. Bishop, Fred A.; Sharma, Bansi L.; Thomas, Tracey R., Systems and methods for authorizing an allocation of an amount between transaction accounts.
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  395. Littrell, Nathan Bowman, Systems and methods for charging an electric vehicle using broadband over powerlines.
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  396. Littrell, Nathan Bowman, Systems and methods for delivering energy to an electric vehicle with parking fee collection.
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  397. Bishop,Fred; Barrett,Michael R.; Armes,David; Wojciechowski,Lee A.; Madhineni,Madhukar; Krishnan,Vilayanur Parameswaran; McKay,Joshua B.; Gebb,Lucas, Systems and methods for facilitating commercial transactions between parties residing at remote locations.
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  398. Gebb, Lucas; McKay, Joshua B; Barrett, Michael R; Wojciechowski, Lee A; Armes, David; Bishop, Fred; Madhineni, Madhukar; Krishnan, Vilayanur Parameswaran, Systems and methods for facilitating commercial transactions between parties residing at remote locations.
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  399. Gebb, Lucas; McKay, Joshua B; Barrett, Michael R; Wojciechowski, Lee A; Armes, David; Bishop, Fred; Madhineni, Madhukar; Krishnan, Vilayanur Parameswaran, Systems and methods for facilitating commercial transactions between parties residing at remote locations.
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  400. Gebb, Lucas; McKay, Joshua B; Barrett, Michael R; Wojciechowski, Lee A; Armes, David; Bishop, Fred; Madhineni, Madhukar; Krishnan, Vilayanur Parameswaran, Systems and methods for facilitating commercial transactions between parties residing at remote locations.
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  401. Gebb, Lucas; McKay, Joshua B; Barrett, Michael R; Wojciechowski, Lee A; Armes, David; Bishop, Fred; Madhineni, Madhukar; Krishnan, Vilayanur Parameswaran, Systems and methods for facilitating commercial transactions between parties residing at remote locations.
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  402. Bishop, Fred; Sharma, Bansi; Thomas, Tracey R., Systems and methods for facilitating transactions with interest.
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  403. Bishop,Fred, Systems and methods for locating a payment system utilizing a wireless point of sale device.
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  404. Bonalle, David; Bliman, Michal; Saunders, Peter D.; Williamson, John Robert, Systems and methods for managing account information lifecycles.
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  405. Beenau,Blayn W.; Bliman,Michal; Bonalle,David S.; Montgomery,Joshua L.; Saunders,Peter D.; Williamson,John R., Systems and methods for managing multiple accounts on a RF transaction instrument.
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  406. Bishop, Fred; Morgan, Robert E.; Seth, Hitesh, Systems and methods for maximizing a rewards accumulation strategy during transaction processing.
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  407. Bishop, Fred; Saunders, Peter D, Systems and methods for non-traditional payment using biometric data.
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  408. Bishop, Fred; Morgan, Robert E.; Seth, Hitesh, Systems and methods for point of interaction based policy routing of transactions.
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  409. Littrell, Nathan Bowman; Slates, Richard Dale, Systems and methods for prepaid electric metering for vehicles.
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  410. Bishop, Fred A.; Saunders, Peter D., Systems and methods for processing a payment authorization request over disparate payment networks.
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  411. Bonalle,David S; Fehlhaber,Jeff; Saunders,Peter D, Systems and methods for providing a RF transaction device for use in a private label transaction.
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  412. Beenau,Blayn W.; Bliman,Michal; Bonalle,David S.; Montgomery,Joshua L.; Saunders,Peter D.; Williamson,John R., Systems and methods for providing a RF transaction device operable to store multiple distinct accounts.
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  413. Bonalle,David S.; Fehlhaber,Jeff; Saunders,Peter D., Systems and methods for providing a RF transaction device operable to store multiple distinct calling card accounts.
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  414. Bishop, Fred A.; Sharma, Bansi L.; Thomas, Tracey R., Systems and methods for settling an allocation of an amount between transaction accounts.
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  415. Bishop, Fred A.; Sharma, Bansi L.; Thomas, Tracey R., Systems and methods for suggesting an allocation.
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  416. Bishop, Fred; Morgan, Robert E.; Seth, Hitesh, Systems and methods for transaction processing based upon an overdraft scenario.
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  417. Bishop, Fred; Morgan, Robert E.; Seth, Hitesh, Systems and methods for transaction processing using a smartcard.
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  418. Poon, Alex Dai-Shun; Leahy, Scott; Wilson, Michael K., Systems and methods to facilitate transactions.
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  419. Poon, Alex Dai-Shun; Leahy, Scott; Wilson, Michael K., Systems and methods to facilitate transactions.
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  420. Poon, Alex Dai-Shun; Leahy, Scott; Wilson, Michael K., Systems and methods to facilitate transactions.
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  421. Wilson, Michael K., Taxonomy based database partitioning.
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  422. Wilson, Michael K., Taxonomy based database partitioning.
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  423. Wilson, Michael K., Taxonomy based database partitioning.
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  424. Wilson, Michael K., Taxonomy-based database partitioning.
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  425. Fiebiger, Sara; Gluck, Adam; Hill, Dennis J.; Kelly-Frank, Carole; Kranzley, Arthur D.; Reany, Robert D.; Mealey, Kenneth J., Techniques for authorization of usage of a payment device.
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  426. Fiebiger, Sara; Gluck, Adam; Hill, Dennis J; Kelly-Frank, Carole; Kranzley, Arthur D; Reany, Robert D, Techniques for authorization of usage of a payment device.
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  427. Fiebiger, Sara; Gluck, Adam; Hill, Dennis J; Kelly-Frank, Carole; Kranzley, Arthur D; Reany, Robert D, Techniques for authorization of usage of a payment device.
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  428. Hess,Martin L.; Wilson,Michael K., Thumbnail image virtual address space.
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  429. Pare, Jr., David Ferrin; Hoffman, Ned; Lee, Jonathan Alexander, Tokenless biometric electronic check transactions.
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  430. Pare, Jr., David Ferrin; Hoffman, Ned; Lee, Jonathan Alexander, Tokenless biometric electronic debit and credit transactions.
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  431. Lapsley, Philip D.; Lee, Jonathan Alexander; Pare, Jr., David Ferrin; Hoffman, Ned, Tokenless biometric electronic financial transactions via a third party identicator.
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  432. Lapsley, Philip Dean; Lee, Jonathan Alexander; Pare, Jr., David Ferrin; Hoffman, Ned, Tokenless biometric electronic financial transactions via a third party identicator.
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  433. Hoffman, Ned; Pare, Jr., David Ferrin; Lee, Jonathan Alexander; Lapsley, Philip Dean, Tokenless biometric electronic transactions using an audio signature to identify the transaction processor.
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  435. Hoffman, Ned; Pare, Jr., David Ferrin; Lee, Jonathan Alexander, Tokenless electronic transaction system.
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  437. Hoffman,Ned; Pare, Jr.,David Ferrin; Lee,Jonathan Alexander, Tokenless electronic transaction system.
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  438. Hoffman,Ned; Pare, Jr.,David Ferrin; Lee,Jonathan Alexander; Lapsley,Philip Dean, Tokenless financial access system.
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  439. Hoffman, Ned, Tokenless identification system for authorization of electronic transactions and electronic transmissions.
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  440. Hoffman,Ned, Tokenless identification system for authorization of electronic transactions and electronic transmissions.
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  441. Morrill Webb, Lisa Ann; Faenza, Jr., William J., Transaction card.
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  442. Morrill-Webb, Lisa Ann; Faenza, Jr., William J., Transaction card.
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  443. Joao,Raymond Anthony; Bock,Robert Richard, Transaction security apparatus.
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  444. Joao Raymond Anthony ; Bock Robert Richard, Transaction security apparatus and method.
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  445. Joao Raymond Anthony ; Bock Robert Richard, Transaction security apparatus and method.
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  446. Joao, Raymond Anthony, Transaction security apparatus and method.
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  449. Joao, Raymond Anthony; Bock, Robert Richard, Transaction security apparatus and method.
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  450. Beenau,Blayn W.; Bonalle,David S.; Vander Eyk,Becky; Isenberg,Susan E.; Malnati,Leigh; Mueller,Sue; Norcross,Zarita; Peart,Lee J.; Saunders,Peter D.; Skilling Belmond,Lisa; Webb,Lisa; Williamson,John, Transparent transaction device.
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  451. Austin Frank,SAX, User-Specified credit card system.
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  452. Nendell, Donald F.; Hunter, Sr., David L.; Wade, Eric D., Verification of identity of participant in electronic communication.
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  453. Tanaka Youko,JPX ; Motai Seizo,JPX ; Hirokawa Katsuhisa,JPX, Virtual shop computer network system which displays member shops and member shop certification method.
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  454. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Voiceprint biometrics on a payment device.
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  455. Albert Herb ; Renton Paul ; Rowe Lorin ; Schramke Stephen R. ; Zorn Glen, Wireless adaptor and wireless financial transaction system.
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