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System for secured credit card transactions on the internet

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-017/60
출원번호 US-0971272 (1997-11-17)
발명자 / 주소
  • Wong Jacob Y.
  • Anderson Roy L.
출원인 / 주소
  • Jaesent Inc.
대리인 / 주소
    Lyon & Lyon LLP
인용정보 피인용 횟수 : 578  인용 특허 : 2

초록

A method for providing secure credit card transactions over the Internet generates a personal charge number from a user account number by inserting a user key into the user account number in accordance with an algorithm that uses a user insertion key and a permutation variable. After the personal ch

대표청구항

[ What is claimed:] [1.] A method for providing secure transactions between a first entity and at least one additional entity, comprising the steps of:(1) assigning a user account number to the first entity;(2) generating a record associated with the first entity with a money source repository which

이 특허에 인용된 특허 (2)

  1. Rosen Sholom S. (New York NY), System and method for commercial payments using trusted agents.
  2. Rosen Sholom S. (New York NY), Trusted agents for open electronic commerce.

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  197. Philyaw, Jeffry Jovan; Mathews, David Kent, Input device for allowing interface to a web site in association with a unique input code.
  198. Philyaw, Jeffry Jovan, Input device having positional and scanning capabilities.
  199. Hammad, Ayman, Integration of payment capability into secure elements of computers.
  200. Hammad, Ayman, Integration of payment capability into secure elements of computers.
  201. Hammad, Ayman, Integration of verification tokens with mobile communication devices.
  202. Hammad, Ayman, Integration of verification tokens with mobile communication devices.
  203. Hammad, Ayman, Integration of verification tokens with portable computing devices.
  204. Orr, Ryan M.; Nell, Garett R.; Brumbaugh, Benjamin L., Intelligent assistant for home automation.
  205. Gruber, Thomas Robert; Cheyer, Adam John; Kittlaus, Dag; Guzzoni, Didier Rene; Brigham, Christopher Dean; Giuli, Richard Donald; Bastea-Forte, Marcello; Saddler, Harry Joseph, Intelligent automated assistant.
  206. Gruber, Thomas Robert; Cheyer, Adam John; Kittlaus, Dag; Guzzoni, Didier Rene; Brigham, Christopher Dean; Giuli, Richard Donald; Bastea-Forte, Marcello; Saddler, Harry Joseph, Intelligent automated assistant.
  207. Os, Marcel Van; Saddler, Harry J.; Napolitano, Lia T.; Russell, Jonathan H.; Lister, Patrick M.; Dasari, Rohit, Intelligent automated assistant for TV user interactions.
  208. Van Os, Marcel; Saddler, Harry J.; Napolitano, Lia T.; Russell, Jonathan H.; Lister, Patrick M.; Dasari, Rohit, Intelligent automated assistant for TV user interactions.
  209. Orr, Ryan M.; Bernardo, Matthew P.; Mandel, Daniel J., Intelligent automated assistant for media exploration.
  210. Piersol, Kurt W.; Orr, Ryan M.; Mandel, Daniel J., Intelligent device arbitration and control.
  211. Booker, Susan L.; Krishnan, Murali; Weinberg, Garrett L.; Piercy, Aimee, Intelligent list reading.
  212. Fleizach, Christopher Brian; Hudson, Reginald Dean, Intelligent text-to-speech conversion.
  213. Fleizach, Christopher Brian; Hudson, Reginald Dean, Intelligent text-to-speech conversion.
  214. Fleizach, Christopher Brian; Hudson, Reginald Dean, Intelligent text-to-speech conversion.
  215. Cheyer, Adam John; Guzzoni, Didier Rene; Gruber, Thomas Robert; Brigham, Christopher Dean, Intent deduction based on previous user interactions with voice assistant.
  216. Mullen, Jeffrey D.; Hartwick, David J.; Mostowy, Jr., L. Casimir, Interactive card.
  217. Mullen, Jeffrey D.; Hartwick, David J.; Mostowy, Jr., L. Casimir, Interactive card.
  218. Mullen, Jeffrey D.; Hartwick, David J.; Mostowy, Jr., L. Casimir, Interactive display card.
  219. Mullen, Jeffrey D.; Hartwick, David J.; Mostowy, Jr., L. Casimir, Interactive display card.
  220. Mullen, Jeffrey D.; Hartwick, David J.; Mostowy, Jr., L. Casimir, Interactive display card.
  221. Nicklaus, Eric R.; Mullen, Jeffrey D., Interactive electronic card with button.
  222. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with buttons.
  223. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with buttons.
  224. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with buttons.
  225. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with buttons.
  226. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with buttons.
  227. Nicklaus, Eric R.; Mullen, Jeffrey D., Interactive electronic card with buttons.
  228. Nicklaus, Eric R.; Mullen, Jeffrey D., Interactive electronic card with buttons.
  229. Nicklaus, Eric R.; Mullen, Jeffrey D., Interactive electronic card with buttons.
  230. O'Shea, Norman E.; Brown, W. Barry, Interactive electronic card with contact connector.
  231. O'Shea, Norman E.; Brown, W. Barry, Interactive electronic card with contact connector.
  232. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Interactive electronic card with display.
  233. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Interactive electronic card with display.
  234. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and button.
  235. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and button.
  236. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and button.
  237. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and button.
  238. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and button.
  239. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and button.
  240. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and button.
  241. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and button.
  242. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and button.
  243. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and button.
  244. Nicklaus, Eric R.; Mullen, Jeffrey D., Interactive electronic card with display and button.
  245. Nicklaus, Eric R.; Mullen, Jeffrey D., Interactive electronic card with display and button.
  246. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and buttons.
  247. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and buttons.
  248. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and buttons.
  249. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display and buttons.
  250. Nicklaus, Eric R.; Mullen, Jeffrey D., Interactive electronic card with display and buttons.
  251. Mullen, Jeffrey D.; Nicklaus, Eric R., Interactive electronic card with display buttons.
  252. Lemay, Stephen O.; Sabatelli, Alessandro Francesco; Anzures, Freddy Allen; Chaudhri, Imran; Forstall, Scott; Novick, Gregory, Interface for a virtual digital assistant.
  253. Cash, Jesse R.; Dave, Swapnil R.; Varoglu, Devrim, Interpreting and acting upon commands that involve sharing information with remote devices.
  254. Beenau, Blayn W.; Bonalle, David S.; Fields, Seth W.; Gray, William J.; Larkin, Carl; Montgomery, Joshua L.; Saunders, Peter D., Iris scan biometrics on a payment device.
  255. Cloutier, Bruce S.; Mullen, Jeffrey D., Laminated cards with manual input interfaces.
  256. Cloutier, Bruce S.; Mullen, Jeffrey D., Laminated cards with manual input interfaces.
  257. Foo, Eric; Ziegler, Joan; Poidomani, Mark; Routhenstein, Lawrence; Alon, Ziv; McGuire, Charles, Laminated electronic card assembly.
  258. Bellegarda, Jerome R.; Barman, Bishal, Language identification from short strings.
  259. Hatori, Jun; Yu, Dominic, Language input correction.
  260. Fletcher,Christopher John, Limited use PIN system and method.
  261. Fletcher,Christopher John, Limited use pin system and method.
  262. Fletcher,Christopher John, Limited use pin system and method.
  263. Bonalle, David S; Isenberg, Susan E; Saunders, Peter D, Limiting access to account information during a radio frequency transaction.
  264. Mullen, Jeffrey D.; Cloutier, Bruce S.; Wallace, Michael T., Locking features for powered cards and devices.
  265. Li, Chengliu; Workley, James H.; Bruner, Kevin David; Bowers, Allen D., Magnetic cards and devices for motorized readers.
  266. Mullen, Jeffrey D., Magnetic stripe track signal having multiple communications channels.
  267. Cheyer, Adam John; Guzzoni, Didier Rene; Gruber, Thomas Robert; Brigham, Christopher Dean; Kittlaus, Dag, Maintaining context information between user interactions with a voice assistant.
  268. Dewan, Sunil; Kean, Brian, Manufacturing system to produce contactless devices with switches.
  269. Dancs Frank B. ; Zmuda James E., Mechanism for facilitating secure storage and retrieval of information on a smart card by an internet service provider using various network computer client devices.
  270. Philyaw, Jeffry Jovan; Davis, Douglas L., Method and apparatus for accessing a remote location with an optical reader having a programmable memory system.
  271. Cheyer, Adam; Guzzoni, Didier, Method and apparatus for building an intelligent automated assistant.
  272. Cheyer, Adam; Guzzoni, Didier, Method and apparatus for building an intelligent automated assistant.
  273. Philyaw, Jeffry Jovan; Mathews, David Kent, Method and apparatus for connecting a user location to one of a plurality of destination locations on a network.
  274. Paulik, Matthias; Evermann, Gunnar; Gillick, Laurence S., Method and apparatus for discovering trending terms in speech requests.
  275. O'Malley, Anne; Ray, Pragnesh; Reiter, Eve; Saunders, Peter; Teodosic, Stefan; Tze, Dennis, Method and apparatus for enrolling with multiple transaction environments.
  276. Philyaw, Jeffry Jovan; Mathews, David Kent, Method and apparatus for matching a user's use profile in commerce with a broadcast.
  277. Philyaw, Jeffry Jovan; Mathews, David Kent, Method and apparatus for opening and launching a web browser in response to an audible signal.
  278. Philyaw, Jeffry Jovan, Method and apparatus for utilizing an audibly coded signal to conduct commerce over the internet.
  279. Philyaw, Jeffry Jovan; Mathews, David Kent, Method and apparatus for utilizing an existing product code to issue a match to a predetermined location on a global network.
  280. Carrott, Richard F.; Pheir, Hirshol H., Method and apparatus to provide secure purchase transactions over a computer network.
  281. Walker, Jay S.; Schneier, Bruce; Jindal, Sanjay K.; Tedesco, Daniel E., Method and device for generating a single-use financial account number.
  282. Walker, Jay S.; Schneier, Bruce; Jindal, Sanjay K.; Tedesco, Daniel E., Method and device for generating a single-use financial account number.
  283. Walker, Jay S.; Schneier, Bruce; Jindal, Sanjay K.; Tedesco, Daniel E., Method and device for generating a single-use financial account number.
  284. Walker,Jay S.; Schneier,Bruce; Jindal,Sanjay K.; Tedesco,Daniel E., Method and device for generating a single-use financial account number.
  285. Jorgensen, Marty; Moss, Michael; Syed, Eziah, Method and system for a multi-purpose transactional platform.
  286. Bonalle, David S.; Larkin, Carl; Saunders, Peter D., Method and system for a travel-related multi-function fob.
  287. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Method and system for auditory recognition biometrics on a FOB.
  288. Hogan,Edward J.; Campbell,Carl M., Method and system for conducting secure payments over a computer network.
  289. Weber, Lance, Method and system for correlating diverse transaction data.
  290. Hammad, Ayman; Faith, Patrick; Aabye, Christian; Sahota, Jagdeep Singh, Method and system for generating a dynamic verification value.
  291. Hammad, Ayman; Faith, Patrick; Aabye, Christian; Sahota, Jagdeep Singh, Method and system for generating a dynamic verification value.
  292. Freeman, Daniel; Barrentine, Derek B., Method and system for operating a multi-function portable electronic device using voice-activation.
  293. 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.
  294. Barnes, Brian T.; Bonalle, David S.; Saunders, Peter D., Method and system for resource management and evaluation.
  295. Siegel, Brian; Abram, Philip Michael; Beckwitt, Marc; Gudorf, Gregory D.; Iso, Kazuaki; Raymond, Brian; Tobin, Christopher M., Method and system for restricted biometric access to content of packaged media.
  296. Hogan, Edward J.; Campbell, Carl M., Method and system for secure payments over a computer network.
  297. Barnes, Brian; Bonalle, David S.; Saunders, Peter D., Method and system for tracking user performance.
  298. Barnes,Brian; Bonalle,David S.; Saunders,Peter D., Method and system for tracking user performance.
  299. Anderson, Roy L.; Bryant, Jr., William R.; Wong, Jacob Y., Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions.
  300. Foo, Eric; Weng, Wong Chee; Chang, Liu, Method for broadcasting a magnetic stripe data packet from an electronic smart card.
  301. Foo, Eric; Weng, Wong Chee; Chang, Liu; Honnegowda, Lakshmisha, Method for broadcasting a magnetic stripe data packet from an electronic smart card.
  302. Foo, Eric; Ziegler, Joan; Poidomani, Mark; Routhenstein, Lawrence; Alon, Ziv; McGuire, Charles, Method for broadcasting a magnetic stripe data packet from an electronic smart card.
  303. Foo, Eric; Ziegler, Joan; Poidomani, Mark; Routhenstein, Lawrence; Alon, Ziv; McGuire, Charles, Method for broadcasting a magnetic stripe data packet from an electronic smart card.
  304. Poidomani, Mark; Ziegler, Joan; Foo, Eric; Alon, Ziv; McGuire, Charles; Routhenstein, Lawrence, Method for conducting a transaction between a magnetic stripe reader and an electronic card.
  305. Ramerth, Brent D.; Naik, Devang K.; Davidson, Douglas R.; Dolfing, Jannes G. A.; Pu, Jia, Method for disambiguating multiple readings in language conversion.
  306. Hills, Alexander H.; Schlegel, Jon P.; Jenkins, Benjamin C., Method for estimating signal strengths.
  307. Routhenstein,Larry, Method for generating customer secure card numbers.
  308. Routhenstein, Larry; Anderson, Roy L.; Bryant, William R.; Wong, Jacob Y., Method for generating customer secure card numbers subject to use restrictions by an electronic card.
  309. Philyaw, Jeffry Jovan; Mathews, David Kent, Method for interfacing scanned product information with a source for the product over a global network.
  310. Buck, Peter; Newport, Peter, Method for personalizing an authentication token.
  311. Buck, Peter; Newport, Peter, Method for personalizing an authentication token.
  312. Buck, Peter; Newport, Peter, Method for personalizing an authentication token.
  313. Buck, Peter; Newport, Peter, Method for personalizing an authentication token.
  314. Guion,Christian, Method for providing identification data of a banking card to a user.
  315. Wong, Jacob Y.; Anderson, Roy L., Method for storing data in payment card transaction.
  316. Paulik, Matthias; Huang, Rongqing, Method for supporting dynamic grammars in WFST-based ASR.
  317. Sharma, Pankaj; Modi, Vikram; Singh, Shantnu, Method for using barcodes and mobile devices to conduct payment transactions.
  318. Abad-Peiro, Jose-Luis; Markus, Stolze, Method of improving security in electronic transactions.
  319. Niwa, Kiyohiko, Method of using personal device with internal biometric in conducting transactions over a network.
  320. Niwa, Kiyohiko, Method of using personal device with internal biometric in conducting transactions over a network.
  321. Ludtke,Harold Aaron; Maritzen,L. Michael, Method or system for executing deferred transactions.
  322. Dillon, Pattie Suozzi; Giordano, James M.; Galle, Kenneth A., Method, system, and apparatus for identification number authentication.
  323. Peart, Lee J.; Saunders, Peter D., Methods and apparatus for a secure proximity integrated circuit card transactions.
  324. Lee, Michael M., Methods and apparatus for altering audio output signals.
  325. Livesay, Paul Owen, Methods and apparatus for providing user anonymity in online transactions.
  326. Livesay,Paul Owen, Methods and apparatus for providing user anonymity in online transactions.
  327. Bellegarda, Jerome R., Methods and apparatuses for automatic speech recognition.
  328. Gaddam, Ajit; Aissi, Selim, Methods and systems for providing a low value token buffer.
  329. Lee, Michael M.; Gregg, Justin; Seguin, Chad G., Mobile device having human language translation capability with positional feedback.
  330. Lee, Michael M.; Gregg, Justin; Seguin, Chad G., Mobile device having human language translation capability with positional feedback.
  331. Raj, Thanigaivel Ashwin; Flurscheim, Christian; Subramanian, Kaushik; Greene, Bradley; Laxminarayanan, Prasanna, Mobile tokenization hub.
  332. Gruber, Thomas R.; Saddler, Harry J.; Bellegarda, Jerome Rene; Nyeggen, Bryce H.; Sabatelli, Alessandro, Multi-command single utterance input method.
  333. Purves, Thomas; Mahadkar, Shilpak; Theurer, Tenni; Hammad, Ayman, Multi-directional wallet connector apparatuses, methods and systems.
  334. Faith, Patrick; Harris, Theodore David, Multi-source, multi-dimensional, cross-entity, multimedia merchant analytics database platform apparatuses, methods and systems.
  335. Mason, James Eric; Boettcher, Jesse, Multi-tiered voice feedback in an electronic device.
  336. Mason, James Eric; Boettcher, Jesse, Multi-tiered voice feedback in an electronic device.
  337. Makhotin, Oleg, Multifactor authentication using a directory server.
  338. Bellegarda, Jerome R.; Davidson, Douglas R., Multilingual word prediction.
  339. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card.
  340. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card.
  341. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card.
  342. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card.
  343. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card.
  344. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card.
  345. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card with display.
  346. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card with light source.
  347. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card with light source.
  348. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card with light source and display.
  349. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card with light sources.
  350. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card with light sources.
  351. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card with light sources.
  352. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Multiple button interactive electronic card with light sources.
  353. Hartwick, David Joseph; Batra, Gautam, Multiple layer card circuit boards.
  354. Workley, James H.; Shippee, Geoffrey D.; Bruner, Kevin David, Multiple sensor detector systems and detection methods of magnetic cards and devices.
  355. Hammad, Ayman, Multiple tokenization for authentication.
  356. Naik, Devang K., Name recognition system.
  357. Naik, Devang K., Name recognition system.
  358. Hsu,Cheng; Boonjing,Veera, Natural language interface using constrained intermediate dictionary of results.
  359. Weller, Kevin; Steele, Kim; Koganti, Krishna; Faith, Patrick, Online challenge-response.
  360. Gruber, Thomas Robert; Saddler, Harry Joseph; Cheyer, Adam John; Kittlaus, Dag; Brigham, Christopher Dean; Giuli, Richard Donald; Guzzoni, Didier Rene; Bastea-Forte, Marcello, Paraphrasing of user requests and results by automated digital assistant.
  361. Bellegarda, Jerome R., Parsimonious continuous-space phrase representations for natural language processing.
  362. Bellegarda, Jerome R.; Yaman, Sibel, Parsimonious handling of word inflection via categorical stem + suffix N-gram language models.
  363. Bellegarda, Jerome, Part-of-speech tagging using latent analogy.
  364. McCullagh, Niall; Cushley, Seamus, Passing payment tokens through an hop/sop.
  365. Cloutier, Bruce S., Passive detection mechanisms for magnetic cards and devices.
  366. Kumnick, Phillip; Ovick, Joseph Bjorn; Srivastava, Chandra, Payment account identifier system.
  367. Kumnick, Phillip; Ovick, Joseph Bjorn; Srivastava, Chandra, Payment account identifier system.
  368. Brown,Kerry D., Payment card preloaded with unique numbers.
  369. Mullen, Jeffrey D.; Yen, Philip W.; Cloutier, Bruce S., Payment cards and devices for displaying barcodes.
  370. Mullen, Jeffrey D.; Yen, Philip W., Payment cards and devices with budgets, parental controls, and virtual accounts.
  371. Mullen, Jeffrey David; Cloutier, Bruce, Payment cards and devices with displays, chips, RFIDS, magnetic emulators, magnetic decoders, and other components.
  372. Mullen, Jeffrey D.; Cloutier, Bruce, Payment cards and devices with displays, chips, RFIDs, magnetic emulators, magentic decoders, and other components.
  373. Mullen, Jeffrey D.; Cloutier, Bruce, Payment cards and devices with displays, chips, RFIDs, magnetic emulators, magnetic decoders, and other components.
  374. Mullen, Jeffrey D.; Cloutier, Bruce, Payment cards and devices with displays, chips, RFIDs, magnetic emulators, magnetic encoders, and other components.
  375. Mullen, Jeffrey D.; Cloutier, Bruce, Payment cards and devices with displays, chips, RFIDs, magnetic emulators, magnetic encoders, and other components.
  376. Mullen, Jeffrey David; Cloutier, Bruce, Payment cards and devices with displays, chips, RFIDs, magnetic emulators, magnetic encoders, and other components.
  377. Mullen, Jeffrey D.; Lambeth, David; Cloutier, Bruce, Payment cards and devices with enhanced magnetic emulators.
  378. Mullen, Jeffrey D.; Lambeth, David; Cloutier, Bruce, Payment cards and devices with enhanced magnetic emulators.
  379. Mullen, Jeffrey David; Lambeth, David; Cloutier, Bruce, Payment cards and devices with enhanced magnetic emulators.
  380. Mullen, Jeffrey David; Lambeth, David; Cloutier, Bruce, Payment cards and devices with enhanced magnetic emulators.
  381. Mullen, Jeffrey D.; Lambeth, David; Cloutier, Bruce, Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality.
  382. Mullen, Jeffrey D.; Lambeth, David; Cloutier, Bruce, Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality.
  383. Mullen, Jeffrey D.; Lambeth, David; Cloutier, Bruce, Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality.
  384. Mullen, Jeffrey David; Lambeth, David; Cloutier, Bruce, Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality.
  385. Makhotin, Oleg; Purves, Tom; Gardner, Chris, Payment channel returning limited use proxy dynamic value.
  386. Chen, Lik Harry; Cheyer, Adam John; Guzzoni, Didier Rene; Gruber, Thomas Robert, Personalized vocabulary for digital assistant.
  387. Hammad, Ayman; Faith, Patrick, Portable consumer device verification system.
  388. Hammad, Ayman; Faith, Patrick, Portable consumer device verification system.
  389. Philyaw, Jeffry Jovan, Portable scanner for enabling automatic commerce transactions.
  390. Mullen, Jeffrey D.; Wallace, Michael T., Powered cards and devices designed, programmed, and deployed from a kiosk.
  391. Rollins, Eugene J.; Padala, Sailendra; Hendrikse, Norbert, Pre-filling order forms for transactions over a communications network.
  392. Rollins,Eugene J.; Padala,Sailendra; Hendrikse,Norbert, Pre-filling order forms for transactions over a communications network.
  393. Wang, Xin; Ramerth, Brent D., Predictive conversion of language input.
  394. Dolfing, Jannes; Ramerth, Brent; Davidson, Douglas; Bellegarda, Jerome; Moore, Jennifer; Eminidis, Andreas; Shaffer, Joshua, Predictive text input.
  395. Gruber, Thomas Robert; Cheyer, Adam John; Guzzoni, Didier Rene; Brigham, Christopher Dean; Saddler, Harry Joseph, Prioritizing selection criteria by automated assistant.
  396. Nagasundaram, Sekhar; Aissi, Selim, Privacy firewall.
  397. Nagasundaram, Sekhar; Aissi, Selim, Privacy firewall.
  398. Paulik, Matthias; Mason, Henry G.; Seigel, Matthew S., Privacy preserving distributed evaluation framework for embedded personalized systems.
  399. Martel, Mathieu Jean; Deniau, Thomas, Proactive assistance based on dialog communication between devices.
  400. Kuo, James Shaw-Han, Process and method for secure online transactions with calculated risk and against fraud.
  401. Kuo, James Shaw-Han, Process and method for secure online transactions with calculated risk and against fraud.
  402. Bishop, Fred; Saunders, Peter D., Processing an RF transaction using a routing number.
  403. Zhang, Brian; Cloutier, Bruce S.; Mostowy, Jr., L. Casimir, Programming protocols for powered cards and devices.
  404. Kim, Yoon, Providing an indication of the suitability of speech recognition.
  405. Rollins,Eugene J.; Padala,Sailendra; Hendrikse,Norbert, Providing navigation objects for communications over a network.
  406. Yanagihara, Kazuhisa, Providing text input using speech data and non-speech data.
  407. Yanagihara, Kazuhisa, Providing text input using speech data and non-speech data.
  408. Beeson, Curt, RF presentation instrument with sensor control.
  409. Saunders, Peter D, RF transaction system and method for storing user personal data.
  410. Bishop, Fred, RF transactions using a wireless reader grid.
  411. Bishop, Fred; Saunders, Peter D, Recurrent billing maintenance with radio frequency payment devices.
  412. Piernot, Philippe P.; Binder, Justin G., Reducing the need for manual start/end-pointing and trigger phrases.
  413. 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.
  414. 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.
  415. 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.
  416. Purves, Thomas, Remote decoupled application persistent state apparatuses, methods and systems.
  417. Guglani, Abhishek; Sharma, Sanjeev; Chitalia, Jalpesh; Destremps, Gerald; Mardikar, Upendra; Xu, Minghua; Trevino, Jose Luis Rios; Singh, Brijendra, Remote server encrypted data provisioning system and methods.
  418. Gangi, Frank J., Retail point-of-transaction system, program products, and related methods to provide a customized set of identification data to facilitate a transaction using electronic coupons.
  419. Gangi, Frank Joseph, Retail point-of-transaction system, program products, and related methods to provide a customized set of identification data to facilitate a transaction using electronic coupons.
  420. Keresman, III, Michael A.; Balasubramanian, Chandra S.; Sherwin, Francis M., Secure and efficient payment processing system.
  421. Keresman, III, Michael A.; Bhagavatula, Ravishankar; Balasubramanian, Chandra; Sherwin, Francis M., Secure and efficient payment processing system.
  422. Keresman, III, Michael A.; Bhagavatula, Ravishankar; Balasubramanian, Chandra; Sherwin, Francis M., Secure and efficient payment processing system.
  423. Keresman, III, Michael A.; Bhagavatula, Ravishankar; Balasubramanian, Chandra; Sherwin, Francis M., Secure and efficient payment processing system with account holder defined transaction limitations.
  424. Hammad, Ayman; Faith, Patrick; Koganti, Krishna Prasad; Rewis, Ben; Louis, Brendan Xavier; Weller, Kevin; Dominguez, Benedicto Hernandez, Secure authentication system and method.
  425. Hammad, Ayman; Faith, Patrick; Koganti, Krishna Prasad; Rewis, Ben; Louis, Brendan Xavier; Weller, Kevin; Dominguez, Benedicto Hernandez, Secure authentication system and method.
  426. Hammad, Ayman, Secure communication of payment information to merchants using a verification token.
  427. Hammad, Ayman, Secure communication of payment information to merchants using a verification token.
  428. Carpenter, Andrew; Powell, Glen Leon, Secure mobile device credential provisioning using risk decision non-overrides.
  429. Carlson, Mark, Secure mobile payment system.
  430. Krueger, Scott; Goodman, Daniel, Secure networked transaction system.
  431. Krueger, Scott; Goodman, Daniel, Secure networked transaction system.
  432. Krueger, Scott; Goodman, Daniel, Secure networked transaction system.
  433. Tree,Ian David, Secure payment method and system.
  434. McGuire, Keith, Secure payment processing using authorization request.
  435. Bonalle, David S; Isenberg, Susan E; Saunders, Peter D; Williamson, John R, Securing RF transactions using a transactions counter.
  436. 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.
  437. 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.
  438. Moore, Jennifer Lauren; Naik, Devang K.; Bellegarda, Jerome R.; Aitken, Kevin Bartlett; Silverman, Kim E., Semantic search using a single-source semantic model.
  439. Bellegarda, Jerome, Sentiment prediction from textual data.
  440. Cheyer, Adam John; Guzzoni, Didier Rene; Gruber, Thomas Robert; Brigham, Christopher Dean, Service orchestration for intelligent automated assistant.
  441. Mullen, Jeffrey D.; Workley, James H., Shielded magnetic stripe for magnetic cards and devices.
  442. Bonalle,David S.; Salow,Glen, Smartcard transaction method and system using voiceprint recognition.
  443. Bonalle, David S.; Salow, Glen, Smartcard transaction system and method.
  444. Bonalle, David S.; Salow, Glen, Smartcard transaction system and method.
  445. Naik, Devang K.; Piernot, Philippe P., Social reminders.
  446. Naik, Devang K.; Piernot, Philippe P., Social reminders.
  447. Philyaw, Jeffry Jovan; Mathews, David Kent, Software downloading using a television broadcast channel.
  448. Kim, Yoon; Kajarekar, Sachin S., Speaker identification and unsupervised speaker adaptation techniques.
  449. Hunt, Melvyn; Bridle, John, Speech recognition involving a mobile device.
  450. Chen, Lik Harry, Speech recognition repair using contextual information.
  451. Sumner, Michael R.; Newendorp, Brandon J.; Orr, Ryan M., Structured dictation using intelligent automated assistants.
  452. Hurry, Simon; Aabye, Christian, System and method for account identifier obfuscation.
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  454. Hogan, Edward; Campbell, Carl; Kranzley, Arthur; Rutherford, Bruce; Orfei, Stephen, System and method for conducting secure payment transactions.
  455. Ludtke, Harold Aaron; Maritzen, L. Michael, System and method for conducting secure transactions over a network.
  456. Sinha, Anoop K., System and method for detecting errors in interactions with a voice-based digital assistant.
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  460. Peart, Lee J; Saunders, Peter D, System and method for generating an unpredictable number using a seeded algorithm.
  461. Evermann, Gunnar, System and method for inferring user intent from speech inputs.
  462. Saunders, Peter D, System and method for managing a transaction protocol.
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  464. Paasche,Thomas D.; Kerker,William S., System and method for managing recurring orders in a computer network.
  465. Rollins, Eugene J.; Padala, Sailendra; Hendrikse, Norbert, System and method for modifying electronic documents transmitted through an intermediary.
  466. Slater Alan, System and method for performing an electronic financial transaction.
  467. D'Agostino, John, System and method for performing secure credit card purchases.
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  469. Mizrah,Len L., System and method for private secure financial transactions.
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  471. Saunders, Peter D; Barnes, Brian T, System and method for secure transactions manageable by a transaction account provider.
  472. Saunders, Peter, System and method for securing a recurrent billing transaction.
  473. Peart, Lee J.; Saunders, Peter D., System and method for securing sensitive information during completion of a transaction.
  474. Ellingson,Robert E., System and method for thwarting identity theft and other identity misrepresentations.
  475. Kumnick, Phillip, System and method for token domain control.
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  477. Naik, Devang K.; Gruber, Thomas R.; Weiner, Liam; Binder, Justin G.; Srisuwananukorn, Charles; Evermann, Gunnar; Williams, Shaun Eric; Chen, Hong; Napolitano, Lia T., System and method for user-specified pronunciation of words for speech synthesis and recognition.
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  479. Anderson, Lisa; Cushley, Seamus, System and method of providing tokenization as a service.
  480. Gangi, Frank J., System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods.
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  482. 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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  485. 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.
  486. 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.
  487. Mullen, Jeffrey D.; Nicklaus, Eric R., Systems and methods for advanced card printing.
  488. Cloutier, Bruce S., Systems and methods for advanced communication mechanisms for magnetic cards and devices.
  489. Cloutier, Bruce S.; Mullen, Jeffrey D., Systems and methods for advanced detection mechanisms for magnetic cards and devices.
  490. Cloutier, Bruce S., Systems and methods for alignment techniques for magnetic cards and devices.
  491. O'Shea, Norman E., Systems and methods for automated assembly of dynamic magnetic stripe communications devices.
  492. Dill, Matthew; Narayan, Prasanna L.; Powell, Glenn; Sheets, John; Carpenter, Andrew, Systems and methods for communicating token attributes associated with a token vault.
  493. Cloutier, Bruce S.; Mullen, Jeffrey D., Systems and methods for detection mechanisms for magnetic cards and devices.
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  495. Cloutier, Bruce; Mullen, Jeffrey D., Systems and methods for detection mechanisms for magnetic cards and devices.
  496. James, Bryan; Herman, Kenneth; Rogers, Matthew L., Systems and methods for determining the language to use for speech generated by a text to speech engine.
  497. Chandoor, Madhuri; Chitalia, Jalpesh; Petkov, Gueorgui; Nosseir, Mohamed; Bansal, Parveen; Bellenger, Thomas; Law, Simon, Systems and methods for device push provisoning.
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  500. Cloutier, Bruce S.; Lambeth, David; Workley, James H., Systems and methods for drive circuits for dynamic magnetic stripe communications devices.
  501. Mullen, Jeffrey D., Systems and methods for extended stripe mechanisms for magnetic cards and devices.
  502. Mullen, Jeffrey D.; O'Shea, Norman E., Systems and methods for flexible components for powered cards and devices.
  503. Aidasani, Dilip; Alderfer, Kimberly; King, Kate T.; Parekh, Anup Anil; Rajwani, Abbas-Ali Hassan; Rolinson, Stuart, Systems and methods for generating and using a digital pass.
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  506. Naik, Devang K., Systems and methods for name pronunciation.
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  508. Youdale, Robert; Mayor, Shalini, Systems and methods for processing dormant virtual access devices.
  509. Mullen, Jeffrey D.; Yen, Philip, Systems and methods for programmable payment cards and devices with loyalty-based payment applications.
  510. Mullen, Jeffrey D.; Yen, Philip, Systems and methods for programmable payment cards and devices with loyalty-based payment applications.
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  513. Mullen, Jeffrey David; Yen, Philip, Systems and methods for programmable payment cards and devices with loyalty-based payment applications.
  514. 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.
  515. Brody, Robert M.; Binns, Donald W.; Kennedy, Reuben S., Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants.
  516. Keen, Daniel, Systems and methods for recognizing textual identifiers within a plurality of words.
  517. Gaddam, Ajit; Aissi, Selim, Systems and methods for secure detokenization.
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  535. Palanisamy, Karthikeyan, Token security on a communication device.
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  538. Hammad, Ayman, Track data encryption.
  539. Hammad, Ayman, Track data encryption.
  540. Hammad, Ayman, Track data encryption.
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  555. Keresman, III,Michael A.; Sherwin,Francis M.; Balasubramanian,Chandra S., Universal merchant platform for payment authentication.
  556. Bellegarda, Jerome R., Unsupervised document clustering using latent semantic density analysis.
  557. Weber, Lance, Upstream and downstream data conversion.
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  564. Gruber, Thomas Robert; Cheyer, Adam John; Guzzoni, Didier Rene, Using event alert text as input to an automated assistant.
  565. Hammad, Ayman, Verification of portable consumer devices.
  566. Hammad, Ayman, Verification of portable consumer devices.
  567. Hammad, Ayman, Verification of portable consumer devices.
  568. Hammad, Ayman, Verification of portable consumer devices.
  569. Lemay, Stephen O.; Newendorp, Brandon J.; Dascola, Jonathan R., Virtual assistant activation.
  570. Fleizach, Christopher B., Voice control to diagnose inadvertent activation of accessibility features.
  571. Binder, Justin; Post, Samuel D.; Tackin, Onur; Gruber, Thomas R., Voice trigger for a digital assistant.
  572. Badaskar, Sameer, Voice-based media searching.
  573. Badaskar, Sameer, Voice-based media searching.
  574. 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.
  575. Gangi, Frank J., Wallet consolidator and related methods of processing a transaction using a wallet consolidator.
  576. Gangi, Frank, Wallet consolidator to facilitate a transaction.
  577. Gangi, Frank J., Wallet consolidator to facilitate a transaction.
  578. Purves, Thomas; Hua, Julian; Rutherford, Robert, Wearable intelligent vision device apparatuses, methods and systems.
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