AU2002237709A1 - Method and apparatus for an integrated identity security and payment system - Google Patents

Method and apparatus for an integrated identity security and payment system

Info

Publication number
AU2002237709A1
AU2002237709A1 AU2002237709A AU3770902A AU2002237709A1 AU 2002237709 A1 AU2002237709 A1 AU 2002237709A1 AU 2002237709 A AU2002237709 A AU 2002237709A AU 3770902 A AU3770902 A AU 3770902A AU 2002237709 A1 AU2002237709 A1 AU 2002237709A1
Authority
AU
Australia
Prior art keywords
payment system
identity security
integrated identity
integrated
security
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
AU2002237709A
Inventor
Tara Chand Singhal
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Publication of AU2002237709A1 publication Critical patent/AU2002237709A1/en
Abandoned legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/383—Anonymous user system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs
AU2002237709A 2000-12-09 2001-12-10 Method and apparatus for an integrated identity security and payment system Abandoned AU2002237709A1 (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US25500200P 2000-12-09 2000-12-09
US60/255,002 2000-12-09
US27075001P 2001-02-21 2001-02-21
US60/270,750 2001-02-21
PCT/US2001/047622 WO2002046881A2 (en) 2000-12-09 2001-12-10 Method and apparatus for an integrated identity security and payment system

Publications (1)

Publication Number Publication Date
AU2002237709A1 true AU2002237709A1 (en) 2002-06-18

Family

ID=26944366

Family Applications (1)

Application Number Title Priority Date Filing Date
AU2002237709A Abandoned AU2002237709A1 (en) 2000-12-09 2001-12-10 Method and apparatus for an integrated identity security and payment system

Country Status (3)

Country Link
US (3) US7254560B2 (en)
AU (1) AU2002237709A1 (en)
WO (1) WO2002046881A2 (en)

Families Citing this family (130)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7809642B1 (en) 1998-06-22 2010-10-05 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US6615189B1 (en) 1998-06-22 2003-09-02 Bank One, Delaware, National Association Debit purchasing of stored value card for use by and/or delivery to others
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
US20020087478A1 (en) * 2001-01-03 2002-07-04 Hudd Neil P. Wireless financial transactions
US7483856B2 (en) 2001-01-17 2009-01-27 Xprt Ventures, Llc System and method for effecting payment for an electronic auction commerce transaction
US7567937B2 (en) * 2001-01-17 2009-07-28 Xprt Ventures, Llc System and method for automatically effecting payment for a user of an electronic auction system
WO2002093761A1 (en) * 2001-05-11 2002-11-21 Wildseed, Ltd. Method and system for playing boradcasts with a mobile telecommunication device that includes multiple tuners
AU2002327322A1 (en) 2001-07-24 2003-02-17 First Usa Bank, N.A. Multiple account card and transaction routing
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US7054430B2 (en) 2001-08-23 2006-05-30 Paymentone Corporation Method and apparatus to validate a subscriber line
US20030130912A1 (en) 2002-01-04 2003-07-10 Davis Tommy Lee Equipment management system
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
AU2003230751A1 (en) 2002-03-29 2003-10-13 Bank One, Delaware, N.A. System and process for performing purchase transaction using tokens
US7130843B2 (en) * 2002-05-20 2006-10-31 International Business Machines Corporation Method, system and program product for locating personal information over a network
US7418426B1 (en) * 2002-05-20 2008-08-26 Microsoft Corporation System and method providing rules driven subscription event processing
JP2004005042A (en) * 2002-05-30 2004-01-08 Sony Corp Information management apparatus and method, information processor and method, recording medium and program
US20040059633A1 (en) * 2002-07-18 2004-03-25 Andrew Rankin Dining system
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
US20040122736A1 (en) 2002-10-11 2004-06-24 Bank One, Delaware, N.A. System and method for granting promotional rewards to credit account holders
US6676017B1 (en) 2002-11-06 2004-01-13 Smith, Iii Emmitt J. Personal interface device and method
US20040139014A1 (en) * 2003-01-09 2004-07-15 Yuh-Shen Song Anti-fraud remote cash transaction system
US20040138991A1 (en) * 2003-01-09 2004-07-15 Yuh-Shen Song Anti-fraud document transaction system
US20040260607A1 (en) * 2003-01-28 2004-12-23 Robbins Andrew H. Stored product personal identification system
US20040230550A1 (en) * 2003-04-03 2004-11-18 Simpson Michael J. Method and apparatus for electronic filing of patent and trademark applications and related correspondence
US8065235B2 (en) * 2003-05-05 2011-11-22 International Business Machines Corporation Portable intelligent shopping device
US8306907B2 (en) 2003-05-30 2012-11-06 Jpmorgan Chase Bank N.A. System and method for offering risk-based interest rates in a credit instrument
US20050144143A1 (en) * 2003-09-03 2005-06-30 Steven Freiberg Method and system for identity theft prevention, detection and victim assistance
US20050049932A1 (en) * 2003-09-03 2005-03-03 Howell James A. Process for managing subscription service purchases
US10679452B2 (en) * 2003-09-04 2020-06-09 Oracle America, Inc. Method and apparatus having multiple identifiers for use in making transactions
US8700729B2 (en) 2005-01-21 2014-04-15 Robin Dua Method and apparatus for managing credentials through a wireless network
US7584482B2 (en) * 2005-02-23 2009-09-01 Toshiba Corporation System and method for authenticating transactions
CA2503740A1 (en) * 2005-03-11 2006-09-11 Dushyant Sharma Electronic payment system for financial institutions and companies to receive online payments
WO2006115984A2 (en) 2005-04-21 2006-11-02 Securedpay Solutions, Inc. Portable handheld device for wireless order entry and real time payment authorization and related methods
US11308477B2 (en) 2005-04-26 2022-04-19 Spriv Llc Method of reducing fraud in on-line transactions
US20060271457A1 (en) * 2005-05-26 2006-11-30 Romain Martin R Identity theft monitoring and prevention
US7401731B1 (en) 2005-05-27 2008-07-22 Jpmorgan Chase Bank, Na Method and system for implementing a card product with multiple customized relationships
US20060293963A1 (en) * 2005-06-27 2006-12-28 Hoblit Robert S Basket restaurant gift card
US8285639B2 (en) 2005-07-05 2012-10-09 mConfirm, Ltd. Location based authentication system
BRPI0613952A2 (en) * 2005-07-15 2011-02-22 Revolution Money Inc system and method for establishing rules governing children's accounts
US11818287B2 (en) 2017-10-19 2023-11-14 Spriv Llc Method and system for monitoring and validating electronic transactions
US8190997B2 (en) * 2005-10-07 2012-05-29 Google Inc. Personalized content feed suggestions page
US8949154B2 (en) 2005-10-07 2015-02-03 Google Inc. Content feed user interface with gallery display of same-type items
US20070080475A1 (en) * 2005-10-11 2007-04-12 Wang Hui L Manufacturing method for EVA foam body
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
US9065643B2 (en) 2006-04-05 2015-06-23 Visa U.S.A. Inc. System and method for account identifier obfuscation
US20080040261A1 (en) * 2006-04-24 2008-02-14 Robert Nix Systems and methods for implementing financial transactions
GB2438236A (en) * 2006-05-19 2007-11-21 Mark Edward Ashcroft Using a mobile telecommunications device to perform a monetary transaction
US8510223B2 (en) * 2006-08-03 2013-08-13 The Western Union Company Money transfer transactions via pre-paid wireless communication devices
US20080065396A1 (en) * 2006-09-07 2008-03-13 John Steven Marshall Systems and methods for managing tips and gratuities
US8645497B2 (en) * 2006-09-28 2014-02-04 Google Inc. Bookmark-based access to content feeds
US8230361B2 (en) 2006-09-28 2012-07-24 Google Inc. Content feed user interface
US8694607B2 (en) * 2006-10-06 2014-04-08 Google Inc. Recursive subscriptions to content feeds
US20080090520A1 (en) * 2006-10-17 2008-04-17 Camp William O Apparatus and methods for communication mobility management using near-field communications
US20080103800A1 (en) * 2006-10-25 2008-05-01 Domenikos Steven D Identity Protection
US8359278B2 (en) 2006-10-25 2013-01-22 IndentityTruth, Inc. Identity protection
US20080103984A1 (en) * 2006-10-30 2008-05-01 Mobilekash, Inc. System, Method, and Computer-Readable Medium for Mobile Payment Authentication and Authorization
AU2008209321A1 (en) * 2007-01-25 2008-07-31 A & Mt Projects Pty Limited Multi factor authorisations utilising a closed loop information management system
US8688570B2 (en) * 2007-04-27 2014-04-01 American Express Travel Related Services Company, Inc. System and method for performing person-to-person funds transfers via wireless communications
US11354667B2 (en) 2007-05-29 2022-06-07 Spriv Llc Method for internet user authentication
CN101373529A (en) * 2007-08-24 2009-02-25 许丰扬 Method using mobile communication device as payment tool
US20090063352A1 (en) * 2007-08-29 2009-03-05 Lance Kaufman Methods and systems for monetary exchange and transfer
US8060634B1 (en) 2007-09-26 2011-11-15 Google Inc. Determining and displaying a count of unread items in content feeds
US10025871B2 (en) 2007-09-27 2018-07-17 Google Llc Setting and displaying a read status for items in content feeds
US7575177B2 (en) * 2007-10-03 2009-08-18 Mastercard International, Inc. Dual use payment device
US10528925B2 (en) * 2008-01-18 2020-01-07 Mitek Systems, Inc. Systems and methods for mobile automated clearing house enrollment
US8621641B2 (en) 2008-02-29 2013-12-31 Vicki L. James Systems and methods for authorization of information access
US20090271265A1 (en) * 2008-04-28 2009-10-29 Cyndigo, Corp. Electronic receipt system and method
JP5349589B2 (en) * 2008-06-25 2013-11-20 テレフオンアクチーボラゲット エル エム エリクソン（パブル） Dynamic payment method and apparatus
AP3995A (en) * 2008-12-23 2017-01-11 Mtn Mobile Money Sa Pty Ltd Method of and system for securely processing a transaction
US9357384B2 (en) 2009-02-09 2016-05-31 International Business Machines Corporation System and method to support identity theft protection as part of a distributed service oriented ecosystem
US20100274653A1 (en) * 2009-04-28 2010-10-28 Ayman Hammad Notification social networking
US8712912B2 (en) * 2009-04-28 2014-04-29 Visa International Service Association System and method for providing advice to consumer regarding a payment transaction
US20100325048A1 (en) * 2009-04-28 2010-12-23 Mark Carlson System and method for providing consumer tip assistance as part of payment transaction
US9710802B2 (en) * 2009-04-28 2017-07-18 Visa International Service Association Merchant competition alert
US9449327B2 (en) 2009-04-28 2016-09-20 Visa International Service Association Merchant alert based system and method including customer presence notification
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US8534564B2 (en) 2009-05-15 2013-09-17 Ayman Hammad Integration of verification tokens with mobile communication devices
US9105027B2 (en) 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US8602293B2 (en) 2009-05-15 2013-12-10 Visa International Service Association Integration of verification tokens with portable computing devices
US8893967B2 (en) 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US10846683B2 (en) 2009-05-15 2020-11-24 Visa International Service Association Integration of verification tokens with mobile communication devices
US9038886B2 (en) 2009-05-15 2015-05-26 Visa International Service Association Verification of portable consumer devices
US8645213B2 (en) * 2010-01-15 2014-02-04 Ebay, Inc. Transactions associated with a mobile device
US9652802B1 (en) 2010-03-24 2017-05-16 Consumerinfo.Com, Inc. Indirect monitoring and reporting of a user's credit data
US11792314B2 (en) 2010-03-28 2023-10-17 Spriv Llc Methods for acquiring an internet user's consent to be located and for authenticating the location information
US10043180B2 (en) 2010-09-30 2018-08-07 The Western Union Company System and method for secure transactions at a mobile device
US9123040B2 (en) 2011-01-21 2015-09-01 Iii Holdings 1, Llc Systems and methods for encoded alias based transactions
US9384487B2 (en) * 2011-01-28 2016-07-05 Fis Financial Compliance Solutions, Llc Phone number payments for bill payments users
EP2676197B1 (en) 2011-02-18 2018-11-28 CSidentity Corporation System and methods for identifying compromised personally identifiable information on the internet
KR101895243B1 (en) 2011-03-04 2018-10-24 비자 인터네셔널 서비스 어소시에이션 Integration of payment capability into secure elements of computers
US20140229458A1 (en) * 2011-06-06 2014-08-14 Nelson C. Glasper Proof ID - search engine
US8380541B1 (en) 2011-09-25 2013-02-19 Theranos, Inc. Systems and methods for collecting and transmitting assay results
US8819793B2 (en) 2011-09-20 2014-08-26 Csidentity Corporation Systems and methods for secure and efficient enrollment into a federation which utilizes a biometric repository
EP2575097A1 (en) * 2011-09-30 2013-04-03 Research In Motion Limited Payment processing system including point-of-sale device with a unique identifier and associated methods
US20130085875A1 (en) 2011-09-30 2013-04-04 Research In Motion Limited Payment processing system including point-of-sale device with a unique identifier and associated methods
US11030562B1 (en) 2011-10-31 2021-06-08 Consumerinfo.Com, Inc. Pre-data breach monitoring
DE202012100620U1 (en) 2011-11-22 2012-06-13 Square, Inc. System for processing cardless payment transactions
US9129273B2 (en) * 2011-12-01 2015-09-08 At&T Intellectual Property I, L.P. Point of sale for mobile transactions
US20130173404A1 (en) * 2011-12-28 2013-07-04 German Scipioni Real-time user feedback
US10282724B2 (en) 2012-03-06 2019-05-07 Visa International Service Association Security system incorporating mobile device
US20140052613A1 (en) * 2012-08-17 2014-02-20 Square, Inc., A Delaware Corporation Systems and methods for providing gratuities to merchants
US9741050B2 (en) 2012-09-04 2017-08-22 Gratuity, Llc System and method for managing gratuities
US8955746B2 (en) 2012-09-27 2015-02-17 Intel Corporation Providing a locking technique for electronic displays
US20140108247A1 (en) 2012-10-17 2014-04-17 Groupon, Inc. Peer-To-Peer Payment Processing
US10235692B2 (en) 2012-10-17 2019-03-19 Groupon, Inc. Consumer presence based deal offers
US20140229375A1 (en) 2013-02-11 2014-08-14 Groupon, Inc. Consumer device payment token management
US9852409B2 (en) 2013-03-11 2017-12-26 Groupon, Inc. Consumer device based point-of-sale
US9576286B1 (en) * 2013-03-11 2017-02-21 Groupon, Inc. Consumer device based point-of-sale
US10482511B1 (en) 2013-03-12 2019-11-19 Groupon, Inc. Employee profile for customer assignment, analytics and payments
US8812387B1 (en) 2013-03-14 2014-08-19 Csidentity Corporation System and method for identifying related credit inquiries
US9173101B1 (en) * 2013-03-14 2015-10-27 Microstrategy Incorporated Acquiring client device data
US20150012432A1 (en) * 2013-07-08 2015-01-08 Mastercard International Incorporated Systems and methods for managing personal records associated with payment transactions
US9928493B2 (en) 2013-09-27 2018-03-27 Groupon, Inc. Systems and methods for providing consumer facing point-of-sale interfaces
US11803841B1 (en) 2013-10-29 2023-10-31 Block, Inc. Discovery and communication using direct radio signal communication
US10026083B1 (en) 2014-05-11 2018-07-17 Square, Inc. Tab for a venue
US10339527B1 (en) 2014-10-31 2019-07-02 Experian Information Solutions, Inc. System and architecture for electronic fraud detection
US9225519B1 (en) 2015-03-02 2015-12-29 Federico Fraccaroli Method, system, and apparatus for enabling secure functionalities
US10198525B2 (en) * 2015-05-05 2019-02-05 Sap Se Asset intelligence network
DE102015008598B3 (en) * 2015-07-02 2016-08-11 Audi Ag Method and system for providing a driving license
US11151468B1 (en) 2015-07-02 2021-10-19 Experian Information Solutions, Inc. Behavior analysis using distributed representations of event data
US20170132683A1 (en) * 2015-11-06 2017-05-11 Bucket Wonders LLC Product customization system and method
EP3452949B1 (en) * 2016-05-03 2024-02-28 Payment Technologies S.r.l. Communication using colour encoded sequence of digits
US20180005203A1 (en) * 2016-06-30 2018-01-04 Square, Inc. Display notification of information upon payment authorization
US10453049B2 (en) 2016-06-30 2019-10-22 Square, Inc. Physical, logical separation of balances of funds
US10460395B2 (en) 2016-06-30 2019-10-29 Square, Inc. Graphical user interface for tracking transactions
US10699028B1 (en) 2017-09-28 2020-06-30 Csidentity Corporation Identity security architecture systems and methods
US10896472B1 (en) 2017-11-14 2021-01-19 Csidentity Corporation Security and identity verification system and architecture
US11593806B2 (en) * 2019-03-25 2023-02-28 Yuh-Shen Song Illicit proceeds tracking system
US11756020B1 (en) 2019-07-31 2023-09-12 Block, Inc. Gesture and context interpretation for secure interactions
US11165580B2 (en) 2019-11-26 2021-11-02 Bank Of America Corporation Encrypted data transmission system for secure resource distribution

Family Cites Families (34)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4553222A (en) * 1983-03-14 1985-11-12 Kurland Lawrence G Integrated interactive restaurant communication system for food and entertainment processing
US4868376A (en) 1987-05-15 1989-09-19 Smartcard International Inc. Intelligent portable interactive personal data system
DE3906349A1 (en) * 1989-03-01 1990-09-13 Hartmut Hennige METHOD AND DEVICE FOR SIMPLIFYING THE USE OF A VARIETY OF CREDIT CARDS AND THE LIKE
US5128862A (en) * 1989-06-28 1992-07-07 Management Information Support, Inc. Customer operable system for a retail store or fast-food restaurant having plural ordering stations
US5235509A (en) * 1989-06-28 1993-08-10 Management Information Support, Inc. Customer self-ordering system using information displayed on a screen
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
US5387784A (en) * 1990-10-30 1995-02-07 Societe D'applications Generales D'electricite Et De Mecanique Sagem Portable payment terminals and network for such terminals
CA2059078C (en) * 1991-02-27 1995-10-03 Alexander G. Fraser Mediation of transactions by a communications system
ES2114310T3 (en) * 1994-02-23 1998-05-16 Dataflight Europ As A SALE SYSTEM.
SE506506C2 (en) * 1995-04-11 1997-12-22 Au System Electronic transaction terminal, telecommunication system including an electronic transaction terminal, smart card as electronic transaction terminal and method of transferring electronic credits
US5933812A (en) * 1995-04-12 1999-08-03 Verifone Inc. Portable transaction terminal system
US6076075A (en) * 1995-09-25 2000-06-13 Cardis Enterprise International N.V. Retail unit and a payment unit for serving a customer on a purchase and method for executing the same
WO1997045814A1 (en) 1996-05-24 1997-12-04 Behruz Vazvan Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data
US6295482B1 (en) 1996-06-26 2001-09-25 Sun Microsystems, Inc. Electronic newspaper vending machine
JP3660101B2 (en) 1996-11-14 2005-06-15 松下電器産業株式会社 Personal electronic payment system
US7251617B1 (en) * 1998-12-28 2007-07-31 Walker Digital, Llc Method and apparatus for managing subscriptions
US6038548A (en) 1997-11-26 2000-03-14 International Business Machines Corporation System and method for conducting electronic commerce in a computer network using a cashier desk payment framework
US6549912B1 (en) * 1998-09-23 2003-04-15 Visa International Service Association Loyalty file structure for smart card
US6473740B2 (en) * 1998-11-29 2002-10-29 Qpass, Inc. Electronic commerce using a transaction network
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
DE19903363C2 (en) 1999-01-28 2002-05-29 Mueller Judex Donald Method and system for carrying out cashless financial transactions
KR100789222B1 (en) * 1999-04-27 2007-12-31 아이쓰리이 홀딩스, 엘엘씨 Remote ordering system
US7729283B2 (en) * 1999-06-01 2010-06-01 Yodlee.Com, Inc. Method and apparatus for configuring and establishing a secure credential-based network link between a client and a service over a data-packet-network
US6332124B1 (en) * 1999-07-30 2001-12-18 Synapse Group, Inc. Method and system for managing magazine portfolios
EP1093097A3 (en) 1999-10-14 2004-01-07 International Business Machines Corporation System and method for providing secure financial transactions
US6941286B1 (en) * 1999-12-29 2005-09-06 Pitney Bowes Inc. Method and apparatus for providing refunds in a postage metering system
US6587835B1 (en) * 2000-02-09 2003-07-01 G. Victor Treyz Shopping assistance with handheld computing device
FI108592B (en) * 2000-03-14 2002-02-15 Sonera Oyj Billing on a mobile application protocol using a wireless application protocol
JP2001297241A (en) * 2000-04-11 2001-10-26 Nec Corp System and method for on-line reservation
US20030167202A1 (en) * 2000-07-21 2003-09-04 Marks Michael B. Methods of payment for internet programming
TW512640B (en) * 2000-08-25 2002-12-01 Phone Inc W Mobile opinion polling system and method
US20020065074A1 (en) * 2000-10-23 2002-05-30 Sorin Cohn Methods, systems, and devices for wireless delivery, storage, and playback of multimedia content on mobile devices
US7240035B1 (en) * 2001-05-31 2007-07-03 Hall Aluminum Llc Method and apparatus for masking private mailing address information by manipulating delivery transactions
JP2003141650A (en) * 2001-11-05 2003-05-16 Telemidic Ltd Article identification label with anti-theft function, article control system using the article identification label

Also Published As

Publication number Publication date
WO2002046881A3 (en) 2004-02-19
US20020073044A1 (en) 2002-06-13
US7254560B2 (en) 2007-08-07
US9037499B2 (en) 2015-05-19
US8494957B2 (en) 2013-07-23
WO2002046881A2 (en) 2002-06-13
US20020096563A1 (en) 2002-07-25
US20020095380A1 (en) 2002-07-18

Similar Documents

Publication Publication Date Title
AU2002237709A1 (en) Method and apparatus for an integrated identity security and payment system
AU2609900A (en) System and method for performing secure credit card purchases
AU2001250540A1 (en) Secure payment method and apparatus
AU2001260512A1 (en) Product verification and authentication system and method
AU2001229638A1 (en) System and method for verification of identity
GB2370398B (en) Card verification system and card verification method
AU2001230287A1 (en) Payment device and method for secure payment
IL150050A0 (en) Secure photo carrying identification device, as well as means and method for authenticating such an identification device
AU2002234183A1 (en) Method and apparatus for providing rights for event tickets
GB0110042D0 (en) Card approval method, settlement system and apparatus therefor
AU2003245505A1 (en) System and method for payment transaction authentication
AU2002363065A1 (en) System for vending products and services using an identification card and associated methods
AU2001296362A1 (en) Method and apparatus for document identification and authentication
AU2001280125A1 (en) Card payment method and card payment system for door-to-door delivery
AU6354400A (en) Identity authentication system and method
SG101967A1 (en) Authentication system, authentication method, authentication apparatus, and authentication method therefor
AU2001241906A1 (en) Method and apparatus for critical and false path verification
AU2001286536A1 (en) System and method for automated credit matching
AU4298201A (en) Method and system for encryption and authentication
AU1678300A (en) Credit card verification system and method
GB2408368B (en) Apparatus, system and method for enhancing data security
AU2001271090A1 (en) Method and system for providing temporary credit card number on internet
AU3641899A (en) Method, system and apparatus for biometric identification
AUPR819101A0 (en) Security system and method for transaction cards
AU4431799A (en) Method, system and apparatus for authorization and verification of documents