BR0007797A - Processo para autorização de um cheque eletrônico sem indicação magnética entre um pagador e um recebedor, e, dispositivo para autorização de cheque eletrônico sem indicação magnética - Google Patents

Processo para autorização de um cheque eletrônico sem indicação magnética entre um pagador e um recebedor, e, dispositivo para autorização de cheque eletrônico sem indicação magnética

Info

Publication number
BR0007797A
BR0007797A BR0007797-6A BR0007797A BR0007797A BR 0007797 A BR0007797 A BR 0007797A BR 0007797 A BR0007797 A BR 0007797A BR 0007797 A BR0007797 A BR 0007797A
Authority
BR
Brazil
Prior art keywords
payer
authorizing
payee
electronic check
magnetic indication
Prior art date
Application number
BR0007797-6A
Other languages
English (en)
Inventor
Ned Hoffman
David F Pare Jr
Jonathan A Lee
Original Assignee
Veristar Corp
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=22902856&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=BR0007797(A) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Veristar Corp filed Critical Veristar Corp
Publication of BR0007797A publication Critical patent/BR0007797A/pt

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • G—PHYSICS
    • G01—MEASURING; TESTING
    • G01F—MEASURING VOLUME, VOLUME FLOW, MASS FLOW OR LIQUID LEVEL; METERING BY VOLUME
    • G01F19/00—Calibrated capacity measures for fluids or fluent solid material, e.g. measuring cups
    • G01F19/005—Calibrated capacity measures for fluids or fluent solid material, e.g. measuring cups for semi-liquid, e.g. fat
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F18/00—Pattern recognition
    • G06F18/20—Analysing
    • G06F18/28—Determining representative reference patterns, e.g. by averaging or distorting; Generating dictionaries
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/50—Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems
    • G06F21/55—Detecting local intrusion or implementing counter-measures
    • G06F21/554—Detecting local intrusion or implementing counter-measures involving event detection and direct action
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
    • G06F21/82—Protecting input, output or interconnection devices
    • G06F21/83—Protecting input, output or interconnection devices input devices, e.g. keyboards, mice or controllers thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
    • G06F21/86—Secure or tamper-resistant housings
    • 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
    • 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
    • G06Q20/04—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
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • 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
    • G06Q20/40—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
    • 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
    • G06Q20/4014—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity 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
    • 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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • 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
    • G06Q30/08—Auctions
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/12—Fingerprints or palmprints
    • G06V40/1365—Matching; Classification
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/37—Individual registration on entry or exit not involving the use of a pass in combination with an identity check using biometric data, e.g. fingerprints, iris scans or voice recognition
    • 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]
    • G07F19/201—Accessories of ATMs
    • 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]
    • G07F19/207—Surveillance aspects at ATMs
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0823—Network architectures or network communication protocols for network security for authentication of entities using certificates
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • H04L63/123—Applying verification of the received information received data contents, e.g. message integrity
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2211/00—Indexing scheme relating to details of data-processing equipment not covered by groups G06F3/00 - G06F13/00
    • G06F2211/007—Encryption, En-/decode, En-/decipher, En-/decypher, Scramble, (De-)compress
    • G06F2211/008—Public Key, Asymmetric Key, Asymmetric Encryption
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2117—User registration
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Computing Systems (AREA)
  • Development Economics (AREA)
  • Software Systems (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Data Mining & Analysis (AREA)
  • Human Computer Interaction (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Bioinformatics & Computational Biology (AREA)
  • Evolutionary Biology (AREA)
  • Evolutionary Computation (AREA)
  • Bioinformatics & Cheminformatics (AREA)
  • Life Sciences & Earth Sciences (AREA)
  • Game Theory and Decision Science (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Artificial Intelligence (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Technology Law (AREA)
  • Fluid Mechanics (AREA)
  • Health & Medical Sciences (AREA)
  • Biomedical Technology (AREA)
  • General Health & Medical Sciences (AREA)
  • Multimedia (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

"PROCESSO PARA AUTORIZAçãO DE UM CHEQUE ELETRôNICO SEM INDICAçãO MAGNéTICA ENTRE UM PAGADOR E UM RECEBEDOR, E, DISPOSITIVO PARA AUTORIZAçãO DE CHEQUE ELETRôNICO SEM INDICAçãO MAGNéTICA". Uma autorização sem indicação magnética de um cheque eletrônico entre um pagador e um recebedor, usando um identificador eletrônico de terceira parte (Figura 7, item 4) e pelo menos uma amostra biométrica de oferta de pagador, é descrita. O processo compreende uma etapa de registro de pagador, na qual o pagador registra com um identificador eletrônico de terceira parte (Figura 7, item 4) pelo menos uma amostra biométrica de registro, e pelo menos uma conta bancária de pagador. Em uma etapa de registro de recebedor (Figura 6), o recebedor registra dados de identificação de recebedor (Figura 6) com o identificador eletrônico de terceira parte (Figura 7, item 4). Uma transação financeira eletrônica é formada entre o pagador e o recebedor compreendendo dados de identificação de oferta de recebedor, valor da transação, e pelo menos uma biométrica de oferta do pagador, onde a amostra biométrica de oferta é obtida a partir da pessoa do pagador, em uma etapa de formação (Figura 6). Preferivelmente, em uma etapa de transmissão, os dados de identificação de oferta de recebedor, o valor da transação e a amostra biométrica de oferta de pagador são enviadas eletronicamente ao identificador eletrônico de terceira parte (Figura 7, item 4).
BR0007797-6A 1999-01-29 2000-01-31 Processo para autorização de um cheque eletrônico sem indicação magnética entre um pagador e um recebedor, e, dispositivo para autorização de cheque eletrônico sem indicação magnética BR0007797A (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09/239,595 US6230148B1 (en) 1994-11-28 1999-01-29 Tokenless biometric electric check transaction
PCT/US2000/002349 WO2000045247A1 (en) 1999-01-29 2000-01-31 Tokenless biometric electronic check transactions

Publications (1)

Publication Number Publication Date
BR0007797A true BR0007797A (pt) 2002-02-05

Family

ID=22902856

Family Applications (1)

Application Number Title Priority Date Filing Date
BR0007797-6A BR0007797A (pt) 1999-01-29 2000-01-31 Processo para autorização de um cheque eletrônico sem indicação magnética entre um pagador e um recebedor, e, dispositivo para autorização de cheque eletrônico sem indicação magnética

Country Status (7)

Country Link
US (2) US6230148B1 (pt)
EP (1) EP1151371A4 (pt)
JP (1) JP2003525478A (pt)
AU (1) AU2864400A (pt)
BR (1) BR0007797A (pt)
CA (1) CA2359676A1 (pt)
WO (1) WO2000045247A1 (pt)

Families Citing this family (289)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7613659B1 (en) * 1994-11-28 2009-11-03 Yt Acquisition Corporation System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse
US7882032B1 (en) 1994-11-28 2011-02-01 Open Invention Network, Llc System and method for tokenless biometric authorization of electronic communications
US7248719B2 (en) * 1994-11-28 2007-07-24 Indivos Corporation Tokenless electronic transaction system
US6397198B1 (en) * 1994-11-28 2002-05-28 Indivos Corporation Tokenless biometric electronic transactions using an audio signature to identify the transaction processor
US20040128249A1 (en) * 1994-11-28 2004-07-01 Indivos Corporation, A Delaware Corporation System and method for tokenless biometric electronic scrip
US6950810B2 (en) * 1994-11-28 2005-09-27 Indivos Corporation Tokenless biometric electronic financial transactions via a third party identicator
US6796492B1 (en) * 1995-04-13 2004-09-28 James G. Gatto Electronic fund transfer or transaction system
US5546523A (en) * 1995-04-13 1996-08-13 Gatto; James G. Electronic fund transfer system
US6363164B1 (en) 1996-05-13 2002-03-26 Cummins-Allison Corp. Automated document processing system using full image scanning
US6980670B1 (en) * 1998-02-09 2005-12-27 Indivos Corporation Biometric tokenless electronic rewards system and method
US7349557B2 (en) * 1998-06-19 2008-03-25 Solidus Networks, Inc. Electronic transaction verification system
US6424845B1 (en) 1998-06-19 2002-07-23 Ncr Corporation Portable communication device
JP4120997B2 (ja) * 1998-10-23 2008-07-16 富士通株式会社 不正アクセス判断装置及び方法
WO2000028462A1 (en) * 1998-11-09 2000-05-18 Onecore Financial Network, Inc. Systems and methods for performing integrated financial transactions
US7246244B2 (en) * 1999-05-14 2007-07-17 Fusionarc, Inc. A Delaware Corporation Identity verification method using a central biometric authority
KR100805341B1 (ko) * 1999-06-18 2008-02-20 이촤지 코포레이션 가상 지불 계정을 이용하여 인터네트워크상에서 상품,서비스 및 콘텐츠를 주문하는 방법 및 장치
US7058817B1 (en) 1999-07-02 2006-06-06 The Chase Manhattan Bank System and method for single sign on process for websites with multiple applications and services
US7343351B1 (en) 1999-08-31 2008-03-11 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
US7953671B2 (en) 1999-08-31 2011-05-31 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
WO2001033477A2 (en) 1999-11-04 2001-05-10 Jpmorgan Chase Bank System and method for automated financial project management
US7321864B1 (en) * 1999-11-04 2008-01-22 Jpmorgan Chase Bank, N.A. System and method for providing funding approval associated with a project based on a document collection
US6876991B1 (en) 1999-11-08 2005-04-05 Collaborative Decision Platforms, Llc. System, method and computer program product for a collaborative decision platform
US10275780B1 (en) 1999-11-24 2019-04-30 Jpmorgan Chase Bank, N.A. Method and apparatus for sending a rebate via electronic mail over the internet
US8571975B1 (en) 1999-11-24 2013-10-29 Jpmorgan Chase Bank, N.A. System and method for sending money via E-mail over the internet
WO2001041032A1 (en) * 1999-11-30 2001-06-07 David Russell Methods, systems, and apparatuses for secure interactions
US6701303B1 (en) * 1999-12-23 2004-03-02 International Business Machines, Corp. E-commerce system and method of operation enabling a user to conduct transactions with multiple retailers without certification and/or trusted electronic paths
US8090657B2 (en) * 2000-01-05 2012-01-03 Electronic Finger Print Technologies Limited Method and apparatus for authenticating financial transactions
US6871287B1 (en) * 2000-01-21 2005-03-22 John F. Ellingson System and method for verification of identity
US7978899B2 (en) 2005-10-05 2011-07-12 Cummins-Allison Corp. Currency processing system with fitness detection
US8701857B2 (en) 2000-02-11 2014-04-22 Cummins-Allison Corp. System and method for processing currency bills and tickets
US6867789B1 (en) * 2000-02-15 2005-03-15 Bank One, Delaware, National Association System and method for generating graphical user interfaces
US8322606B2 (en) 2000-02-16 2012-12-04 Ong Yong Kin Michael Electronic credit card—ECC
AUPQ564400A0 (en) 2000-02-16 2000-03-09 Ong, Yong Kin (Michael) Electronic credit card-ecc
US7103579B1 (en) * 2000-03-23 2006-09-05 Electronic Clearinghouse, Inc. Internet based check cashing and clearing method, apparatus and article of manufacture
US20040204994A1 (en) * 2000-04-17 2004-10-14 Olson A. Wayne Escrow management structure
US7181430B1 (en) 2000-04-28 2007-02-20 Netdeposit, Inc. Method and system for processing financial instrument deposits physically remote from a financial institution
JP5159006B2 (ja) * 2000-05-25 2013-03-06 インベンテイオ・アクテイエンゲゼルシヤフト 建物内において手続きを開始する方法
US9165323B1 (en) 2000-05-31 2015-10-20 Open Innovation Network, LLC Biometric transaction system and method
US7565329B2 (en) 2000-05-31 2009-07-21 Yt Acquisition Corporation Biometric financial transaction system and method
US7426530B1 (en) 2000-06-12 2008-09-16 Jpmorgan Chase Bank, N.A. System and method for providing customers with seamless entry to a remote server
US10185936B2 (en) 2000-06-22 2019-01-22 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments
EP1295266A1 (fr) * 2000-06-28 2003-03-26 G. Holdings Ltd Syst me de transaction avec dispositif personnel portatif d'identification et de contr le de transaction
AU2000270486A1 (en) * 2000-08-22 2002-03-04 Payperfect Pte Ltd Electronic payment methods
JP4504539B2 (ja) * 2000-08-30 2010-07-14 パイオニア株式会社 商品注文システムおよび、商品注文システムにおける商品注文方法
US20020049682A1 (en) * 2000-09-01 2002-04-25 Nobuko Yamamoto Authentication certificate, authentication certificate issuance system, and authentication system
US8015084B1 (en) * 2000-09-06 2011-09-06 Jpmorgan Chase Bank, N.A. System and method for linked account having sweep feature
US8335855B2 (en) 2001-09-19 2012-12-18 Jpmorgan Chase Bank, N.A. System and method for portal infrastructure tracking
DE10052813A1 (de) * 2000-10-24 2002-05-23 Interflex Datensyst Multifunktionales Kartenterminal
AU2002239481A1 (en) 2000-10-30 2002-05-27 Raf Technology, Inc. Verification engine for user authentication
US7124113B1 (en) * 2000-11-21 2006-10-17 Troy Group, Inc. System and method for verifying, setting, printing and guaranteeing checks at a remote location
DE10102779A1 (de) * 2001-01-22 2002-08-29 Utimaco Safeware Ag Verfahren zur Autorisierung in Datenübertragungssystemen
AU2002248604A1 (en) * 2001-03-09 2002-09-24 Pascal Brandys System and method of user and data verification
WO2002075674A2 (fr) * 2001-03-16 2002-09-26 G. Holdings Ltd. Systeme et methode de renouvellement de donnees d'identification sur un dispositif de transaction portatif
US8140415B2 (en) 2001-03-20 2012-03-20 Goldman Sachs & Co. Automated global risk management
US8121937B2 (en) 2001-03-20 2012-02-21 Goldman Sachs & Co. Gaming industry risk management clearinghouse
US8209246B2 (en) 2001-03-20 2012-06-26 Goldman, Sachs & Co. Proprietary risk management clearinghouse
US7676426B2 (en) * 2001-03-20 2010-03-09 Goldman Sachs & Co. Biometric risk management
US7254711B2 (en) * 2001-04-05 2007-08-07 Nippon Telegraph And Telephone Corporation Network authentication system, method, and program, service providing apparatus, certificate authority, and user terminal
US8849716B1 (en) 2001-04-20 2014-09-30 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
US7725427B2 (en) 2001-05-25 2010-05-25 Fred Bishop Recurrent billing maintenance with radio frequency payment devices
US7689506B2 (en) 2001-06-07 2010-03-30 Jpmorgan Chase Bank, N.A. System and method for rapid updating of credit information
US6601762B2 (en) * 2001-06-15 2003-08-05 Koninklijke Philips Electronics N.V. Point-of-sale (POS) voice authentication transaction system
JP2003006168A (ja) * 2001-06-25 2003-01-10 Ntt Docomo Inc 移動端末認証方法及び移動端末
US6758394B2 (en) * 2001-07-09 2004-07-06 Infonox On The Web Identity verification and enrollment system for self-service devices
US20040236699A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US7303120B2 (en) 2001-07-10 2007-12-04 American Express Travel Related Services Company, Inc. System for biometric security using a FOB
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US9031880B2 (en) 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US8284025B2 (en) 2001-07-10 2012-10-09 Xatra Fund Mx, Llc Method and system for auditory recognition biometrics on a FOB
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US8294552B2 (en) 2001-07-10 2012-10-23 Xatra Fund Mx, Llc Facial scan biometrics on a payment device
US7735725B1 (en) 2001-07-10 2010-06-15 Fred Bishop Processing an RF transaction using a routing number
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US7360689B2 (en) 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
EP1573426A4 (en) 2001-07-12 2009-11-25 Atrua Technologies Inc METHOD AND SYSTEM FOR A BIOMETRIC IMAGE ASSEMBLY OF MULTIPLE PARTIAL BIOMETRIC FRAME SCANS
US7266839B2 (en) 2001-07-12 2007-09-04 J P Morgan Chase Bank System and method for providing discriminated content to network users
JP2003108984A (ja) * 2001-07-27 2003-04-11 Toshiba Corp 顔画像認識装置、通行制御装置、顔画像認識方法、及び通行制御方法
US7103576B2 (en) 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
US8200980B1 (en) 2001-09-21 2012-06-12 Open Invention Network, Llc System and method for enrolling in a biometric system
US7624073B1 (en) 2001-09-21 2009-11-24 Yt Acquisition Corporation System and method for categorizing transactions
US7533809B1 (en) 2001-09-21 2009-05-19 Yt Acquisition Corporation System and method for operating a parking facility
US7099850B1 (en) * 2001-09-21 2006-08-29 Jpmorgan Chase Bank, N.A. Methods for providing cardless payment
US7765164B1 (en) 2001-09-21 2010-07-27 Yt Acquisition Corporation System and method for offering in-lane periodical subscriptions
US7269737B2 (en) 2001-09-21 2007-09-11 Pay By Touch Checking Resources, Inc. System and method for biometric authorization for financial transactions
US20040153421A1 (en) * 2001-09-21 2004-08-05 Timothy Robinson System and method for biometric authorization of age-restricted transactions conducted at an unattended device
US7464059B1 (en) 2001-09-21 2008-12-09 Yt Acquisition Corporation System and method for purchase benefits at a point of sale
US9189788B1 (en) 2001-09-21 2015-11-17 Open Invention Network, Llc System and method for verifying identity
US7437330B1 (en) 2002-09-20 2008-10-14 Yt Acquisition Corp. System and method for categorizing transactions
US7822679B1 (en) 2001-10-29 2010-10-26 Visa U.S.A. Inc. Method and system for conducting a commercial transaction between a buyer and a seller
CA2466071C (en) 2001-11-01 2016-04-12 Bank One, Delaware, N.A. System and method for establishing or modifying an account with user selectable terms
US7987501B2 (en) 2001-12-04 2011-07-26 Jpmorgan Chase Bank, N.A. System and method for single session sign-on
US6896118B2 (en) 2002-01-10 2005-05-24 Cummins-Allison Corp. Coin redemption system
US20030135456A1 (en) * 2002-01-15 2003-07-17 International Business Machines Corporation Method and system for receiving an alert code in a commercial transaction
US7941533B2 (en) 2002-02-19 2011-05-10 Jpmorgan Chase Bank, N.A. System and method for single sign-on session management without central server
US7743902B2 (en) 2002-03-11 2010-06-29 Cummins-Allison Corp. Optical coin discrimination sensor and coin processing system using the same
US7131571B2 (en) 2002-03-26 2006-11-07 First Data Corporation Alternative payment devices using electronic check processing as a payment mechanism
US20030187790A1 (en) * 2002-03-26 2003-10-02 Amy Swift Electronic check processing systems
US20030187786A1 (en) * 2002-03-26 2003-10-02 Amy Swift Merchant transponder systems using electronic check processing
US7925576B2 (en) * 2002-03-26 2011-04-12 First Data Corporation Systems for processing transponder-based transactions
WO2003083751A1 (en) * 2002-03-26 2003-10-09 First Data Corporation Alternative payment devices using electronic check processing as a payment mechanism
US7496540B2 (en) * 2002-03-27 2009-02-24 Convergys Cmg Utah System and method for securing digital content
KR100468031B1 (ko) * 2002-03-29 2005-01-24 (주) 시큐컴 자기앞 전자수표 발행 및 결제방법
US7979348B2 (en) 2002-04-23 2011-07-12 Clearing House Payments Co Llc Payment identification code and payment system using the same
US7614550B1 (en) 2002-05-10 2009-11-10 Phoenix Check Cashing, Inc. System and method for negotiable instrument cashing fee setup by type
US7753268B1 (en) 2002-05-10 2010-07-13 Phoenix Check Cashing, Inc. System and method for negotiable instrument cashing transaction assistance procedures
US7520422B1 (en) 2002-05-10 2009-04-21 Phoenix Check Cashing, Inc. System and method for depositing negotiable instruments
US6957770B1 (en) * 2002-05-10 2005-10-25 Biopay, Llc System and method for biometric authorization for check cashing
AU2003240958A1 (en) * 2002-05-29 2003-12-19 Raf Technology, Inc. Authentication query strategizer and results compiler
US20030222136A1 (en) * 2002-05-31 2003-12-04 First Data Corporation Stored value education account
US7155416B2 (en) * 2002-07-03 2006-12-26 Tri-D Systems, Inc. Biometric based authentication system with random generated PIN
US8171567B1 (en) 2002-09-04 2012-05-01 Tracer Detection Technology Corp. Authentication method and system
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
US20040267673A1 (en) * 2002-09-13 2004-12-30 Ballard Claudio R. Processing of credit card transactions using internet protocol
US7534476B2 (en) * 2002-09-16 2009-05-19 Avery Dennison Corporation Identification badge construction
US7172113B2 (en) * 2002-09-16 2007-02-06 Avery Dennison Corporation System and method for creating a display card
US20040059922A1 (en) * 2002-09-20 2004-03-25 Harris Rodney C. Continuous voice recognition for user authentication by a digital transmitting device
US7058660B2 (en) 2002-10-02 2006-06-06 Bank One Corporation System and method for network-based project management
US8301493B2 (en) 2002-11-05 2012-10-30 Jpmorgan Chase Bank, N.A. System and method for providing incentives to consumers to share information
US7233690B2 (en) * 2003-01-14 2007-06-19 Lacy Donald D Method and system for fraud detection
US6834894B2 (en) * 2003-02-20 2004-12-28 Shree G. Khaitan Apparatus for tying knot and method thereof
US8393455B2 (en) 2003-03-12 2013-03-12 Cummins-Allison Corp. Coin processing device having a moveable coin receptacle station
WO2004100053A1 (en) * 2003-05-01 2004-11-18 Us Biometrics Corporation System and method for preventing identity fraud
CA2534987A1 (en) * 2003-07-09 2005-01-27 Cross Match Technologies, Inc. Systems and methods for facilitating transactions
US20050119991A1 (en) * 2003-09-03 2005-06-02 David Delgrosso Access administration system and method
US7418717B1 (en) 2003-10-03 2008-08-26 Sun Microsystems, Inc. Smart card framework
US8190893B2 (en) 2003-10-27 2012-05-29 Jp Morgan Chase Bank Portable security transaction protocol
US7743980B2 (en) * 2003-11-12 2010-06-29 De Sylva Robert Francis System and method for facilitating monetary transactions
US20050125296A1 (en) * 2003-12-09 2005-06-09 Tidwell Lisa C. Systems and methods for obtaining biometric information at a point of sale
US7287689B2 (en) * 2003-12-09 2007-10-30 First Data Corporation Systems and methods for assessing the risk of a financial transaction using authenticating marks
US20050125338A1 (en) * 2003-12-09 2005-06-09 Tidwell Lisa C. Systems and methods for assessing the risk of a financial transaction using reconciliation information
US7783563B2 (en) * 2003-12-09 2010-08-24 First Data Corporation Systems and methods for identifying payor location based on transaction data
US20050125295A1 (en) * 2003-12-09 2005-06-09 Tidwell Lisa C. Systems and methods for obtaining payor information at a point of sale
US20050125360A1 (en) * 2003-12-09 2005-06-09 Tidwell Lisa C. Systems and methods for obtaining authentication marks at a point of sale
US7398925B2 (en) * 2003-12-09 2008-07-15 First Data Corporation Systems and methods for assessing the risk of a financial transaction using biometric information
US20050125350A1 (en) * 2003-12-09 2005-06-09 Tidwell Lisa C. Systems and methods for assessing the risk of financial transaction using geographic-related information
US20060247975A1 (en) * 2003-12-30 2006-11-02 Craig Shapiro Processes and systems employing multiple sources of funds
US20050144100A1 (en) * 2003-12-30 2005-06-30 Craig Shapiro Payment systems and methods for earning incentives using at least two financial instruments
US8725607B2 (en) 2004-01-30 2014-05-13 The Clearing House Payments Company LLC Electronic payment clearing and check image exchange systems and methods
WO2005078668A1 (en) * 2004-02-05 2005-08-25 Us Biometrics Corporation Access administration system and method for a currency compartment
US7747528B1 (en) 2004-02-11 2010-06-29 Yt Acquisition Corporation System and method for delaying payment processing for biometrically-initiated financial transactions
US20050216340A1 (en) * 2004-03-03 2005-09-29 Schneider John K Biometric loyalty transaction system and method
FR2867881B1 (fr) * 2004-03-17 2006-06-30 Sagem Procede de controle d'identification de personnes et systeme pour la mise en oeuvre du procede
US20050246291A1 (en) * 2004-04-14 2005-11-03 David Delgrosso System and method for creating an account using biometric information
US8606697B2 (en) 2004-06-17 2013-12-10 Visa International Service Association Method and system for providing buyer bank payable discounting services
US7314164B2 (en) * 2004-07-01 2008-01-01 American Express Travel Related Services Company, Inc. System for biometric security using a smartcard
US7318550B2 (en) 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
US7325724B2 (en) * 2004-07-01 2008-02-05 American Express Travel Related Services Company, Inc. Method for registering a biometric for use with a smartcard
US20060000893A1 (en) * 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method for biometric security using a smartcard-reader
US8996481B2 (en) 2004-07-02 2015-03-31 Goldman, Sach & Co. Method, system, apparatus, program code and means for identifying and extracting information
US8442953B2 (en) 2004-07-02 2013-05-14 Goldman, Sachs & Co. Method, system, apparatus, program code and means for determining a redundancy of information
US8510300B2 (en) 2004-07-02 2013-08-13 Goldman, Sachs & Co. Systems and methods for managing information associated with legal, compliance and regulatory risk
US8762191B2 (en) 2004-07-02 2014-06-24 Goldman, Sachs & Co. Systems, methods, apparatus, and schema for storing, managing and retrieving information
CA2574070A1 (en) * 2004-07-15 2006-02-23 Avery Dennison Corporation Printing stock with a label for making a security badge
US8433647B1 (en) * 2004-08-25 2013-04-30 Vectorsgi, Inc. Method and system for processing electronic checks
US20060064380A1 (en) * 2004-09-15 2006-03-23 Zev Zukerman Methods and systems for performing tokenless financial transactions over a transaction network using biometric data
US9934640B2 (en) 2004-09-15 2018-04-03 Cummins-Allison Corp. System, method and apparatus for repurposing currency
US8523641B2 (en) 2004-09-15 2013-09-03 Cummins-Allison Corp. System, method and apparatus for automatically filling a coin cassette
US7711639B2 (en) 2005-01-12 2010-05-04 Visa International Pre-funding system and method
US20060206429A1 (en) * 2005-01-28 2006-09-14 Martinez Pamela J Secure identification apparatus, system and method in a portable electronic device for financial and other secure systems
US8768838B1 (en) 2005-02-02 2014-07-01 Nexus Payments, LLC Financial transactions using a rule-module nexus and a user account registry
US11288666B1 (en) 2005-02-02 2022-03-29 Edge Mobile Payments Llc System and method for real-time processing of on-line financial transactions using a universal financial token and a remotely located rule-module clearinghouse
US8639629B1 (en) 2005-02-02 2014-01-28 Nexus Payments, LLC System and method for accessing an online user account registry via a thin-client unique user code
US7413117B2 (en) * 2005-02-09 2008-08-19 First Data Corporation Pre-paid activation and replenishment on a point-of-sale device
US8602200B2 (en) 2005-02-10 2013-12-10 Cummins-Allison Corp. Method and apparatus for varying coin-processing machine receptacle limits
US7676433B1 (en) 2005-03-24 2010-03-09 Raf Technology, Inc. Secure, confidential authentication with private data
US20060253358A1 (en) * 2005-04-08 2006-11-09 David Delgrosso System and method for identifying and managing customers in a financial institution
US20080298647A1 (en) * 2005-04-08 2008-12-04 Us Biometrics Corporation System and Method for Identifying an Enrolled User Utilizing a Biometric Identifier
US8185877B1 (en) 2005-06-22 2012-05-22 Jpmorgan Chase Bank, N.A. System and method for testing applications
US20060293891A1 (en) * 2005-06-22 2006-12-28 Jan Pathuel Biometric control systems and associated methods of use
US20070065021A1 (en) * 2005-07-14 2007-03-22 David Delgrosso System for encoding signatures for compressed storage using a signature encoding algorithm
US8583926B1 (en) 2005-09-19 2013-11-12 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
US20070124598A1 (en) * 2005-11-08 2007-05-31 Schneider John K System And Method For Providing Security
US20100063888A1 (en) * 2005-12-15 2010-03-11 United Security Applications Id, Inc. Identity verification system for monitoring and authorizing transactions
US20070256615A1 (en) * 2006-01-17 2007-11-08 David Delgrosso System and method for unattended access to safe deposit boxes
US7980378B2 (en) 2006-03-23 2011-07-19 Cummins-Allison Corporation Systems, apparatus, and methods for currency processing control and redemption
US20070233614A1 (en) * 2006-03-30 2007-10-04 Early Warning Services, Llc Management of biometric information
US20070283346A1 (en) * 2006-04-21 2007-12-06 David Delgrosso System and method for remote management and facilitating installation and registration of software
US8793490B1 (en) 2006-07-14 2014-07-29 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
US20080027750A1 (en) * 2006-07-27 2008-01-31 Barkeloo Jason E System and method for digital rights management
US20080028002A1 (en) * 2006-07-27 2008-01-31 Barkeloo Jason E Content publishing system and method
US7849436B2 (en) * 2006-08-11 2010-12-07 Dongbu Hitek Co., Ltd. Method of forming dummy pattern
US20080247629A1 (en) * 2006-10-10 2008-10-09 Gilder Clark S Systems and methods for check 21 image replacement document enhancements
US8001123B2 (en) * 2006-10-11 2011-08-16 Somatic Digital Llc Open source publishing system and method
US20080140610A1 (en) * 2006-10-11 2008-06-12 Barkeloo Jason E System and method for repurposing printed content to interact with digital content
US8505826B2 (en) * 2007-04-16 2013-08-13 Visa U.S.A. Anti-interrogation for portable device
US8473735B1 (en) 2007-05-17 2013-06-25 Jpmorgan Chase Systems and methods for managing digital certificates
EP2947592B1 (en) 2007-09-24 2021-10-27 Apple Inc. Embedded authentication systems in an electronic device
US20090112767A1 (en) 2007-10-25 2009-04-30 Ayman Hammad Escrow system and method
US20090145972A1 (en) * 2007-12-11 2009-06-11 James Douglas Evans Biometric authorization transaction
US8694793B2 (en) * 2007-12-11 2014-04-08 Visa U.S.A. Inc. Biometric access control transactions
US8600120B2 (en) 2008-01-03 2013-12-03 Apple Inc. Personal computing device control using face detection and recognition
US8321682B1 (en) 2008-01-24 2012-11-27 Jpmorgan Chase Bank, N.A. System and method for generating and managing administrator passwords
US8468358B2 (en) 2010-11-09 2013-06-18 Veritrix, Inc. Methods for identifying the guarantor of an application
US8536976B2 (en) * 2008-06-11 2013-09-17 Veritrix, Inc. Single-channel multi-factor authentication
US8006291B2 (en) 2008-05-13 2011-08-23 Veritrix, Inc. Multi-channel multi-factor authentication
US8516562B2 (en) 2008-05-13 2013-08-20 Veritrix, Inc. Multi-channel multi-factor authentication
US20090307140A1 (en) 2008-06-06 2009-12-10 Upendra Mardikar Mobile device over-the-air (ota) registration and point-of-sale (pos) payment
US8166297B2 (en) * 2008-07-02 2012-04-24 Veritrix, Inc. Systems and methods for controlling access to encrypted data stored on a mobile device
US8738488B2 (en) * 2008-08-12 2014-05-27 Branch Banking & Trust Company Method for business on-line account opening with early warning system
EP2353125A4 (en) * 2008-11-03 2013-06-12 Veritrix Inc USER AUTHENTICATION FOR SOCIAL NETWORKS
US20100123003A1 (en) * 2008-11-20 2010-05-20 Olson A Wayne Method for verifying instant card issuance
US20100123002A1 (en) * 2008-11-20 2010-05-20 Anthony Caporicci Card printing verification system
US9608826B2 (en) 2009-06-29 2017-03-28 Jpmorgan Chase Bank, N.A. System and method for partner key management
US8485442B2 (en) 2009-07-02 2013-07-16 Biometric Payment Solutions Electronic transaction verification system with biometric authentication
US20110112910A1 (en) * 2009-07-30 2011-05-12 Devries Derek Method and system of credit deferment in a private communications network
US20110029371A1 (en) * 2009-07-30 2011-02-03 Devries Derek Method and system of allocation of popularity credit in a private communications network
US7865937B1 (en) 2009-08-05 2011-01-04 Daon Holdings Limited Methods and systems for authenticating users
US8443202B2 (en) 2009-08-05 2013-05-14 Daon Holdings Limited Methods and systems for authenticating users
US20110047076A1 (en) * 2009-08-24 2011-02-24 Mark Carlson Alias reputation interaction system
US20110087611A1 (en) * 2009-10-14 2011-04-14 Shyam Chetal Biometric identification and authentication system for financial accounts
US20110161136A1 (en) 2009-11-25 2011-06-30 Patrick Faith Customer mapping using mobile device with an accelerometer
US8527758B2 (en) * 2009-12-09 2013-09-03 Ebay Inc. Systems and methods for facilitating user identity verification over a network
US8826030B2 (en) * 2010-03-22 2014-09-02 Daon Holdings Limited Methods and systems for authenticating users
CN105407100A (zh) 2010-09-24 2016-03-16 维萨国际服务协会 使用通用id和生物特征的方法和系统
US8545295B2 (en) 2010-12-17 2013-10-01 Cummins-Allison Corp. Coin processing systems, methods and devices
US8856043B2 (en) 2011-02-18 2014-10-07 Visa International Service Association Method and system for managing data and enabling payment transactions between multiple entities
US8474014B2 (en) 2011-08-16 2013-06-25 Veritrix, Inc. Methods for the secure use of one-time passwords
US8862767B2 (en) 2011-09-02 2014-10-14 Ebay Inc. Secure elements broker (SEB) for application communication channel selector optimization
US9002322B2 (en) 2011-09-29 2015-04-07 Apple Inc. Authentication with secondary approver
WO2013102210A1 (en) 2011-12-30 2013-07-04 Visa International Service Association A hosted thin-client interface in a payment authorization system
US9092924B1 (en) 2012-08-31 2015-07-28 Cummins-Allison Corp. Disk-type coin processing unit with angled sorting head
US9419957B1 (en) 2013-03-15 2016-08-16 Jpmorgan Chase Bank, N.A. Confidence-based authentication
US20140379584A1 (en) * 2013-06-25 2014-12-25 FraudFree Finance, LLC Anti-fraud financial transaction method
US9898642B2 (en) 2013-09-09 2018-02-20 Apple Inc. Device, method, and graphical user interface for manipulating user interfaces based on fingerprint sensor inputs
US9904921B2 (en) 2013-10-29 2018-02-27 Mastercard International Incorporated Systems and methods for tokenless authentication of consumers during payment transactions
JP6393325B2 (ja) 2013-10-30 2018-09-19 アップル インコーポレイテッドＡｐｐｌｅ Ｉｎｃ． 関連するユーザインターフェースオブジェクトの表示
US10148726B1 (en) 2014-01-24 2018-12-04 Jpmorgan Chase Bank, N.A. Initiating operating system commands based on browser cookies
US9344419B2 (en) 2014-02-27 2016-05-17 K.Y. Trix Ltd. Methods of authenticating users to a site
US10043185B2 (en) * 2014-05-29 2018-08-07 Apple Inc. User interface for payments
CN104077616B (zh) * 2014-07-02 2017-08-25 广州广电运通金融电子股份有限公司 自助终端吞卡处理方法和系统
US10685523B1 (en) 2014-07-09 2020-06-16 Cummins-Allison Corp. Systems, methods and devices for processing batches of coins utilizing coin imaging sensor assemblies
US9508208B1 (en) 2014-07-25 2016-11-29 Cummins Allison Corp. Systems, methods and devices for processing coins with linear array of coin imaging sensors
US9501885B1 (en) 2014-07-09 2016-11-22 Cummins-Allison Corp. Systems, methods and devices for processing coins utilizing near-normal and high-angle of incidence lighting
US9916713B1 (en) 2014-07-09 2018-03-13 Cummins-Allison Corp. Systems, methods and devices for processing coins utilizing normal or near-normal and/or high-angle of incidence lighting
US20160012423A1 (en) 2014-07-11 2016-01-14 Google Inc. Hands-free transactions with voice recognition
US20160012421A1 (en) 2014-07-11 2016-01-14 Google Inc. Hands-free transactions using beacon identifiers
US9430893B1 (en) 2014-08-06 2016-08-30 Cummins-Allison Corp. Systems, methods and devices for managing rejected coins during coin processing
WO2016036552A1 (en) 2014-09-02 2016-03-10 Apple Inc. User interactions for a mapping application
US11295308B1 (en) 2014-10-29 2022-04-05 The Clearing House Payments Company, L.L.C. Secure payment processing
US10089812B1 (en) 2014-11-11 2018-10-02 Cummins-Allison Corp. Systems, methods and devices for processing coins utilizing a multi-material coin sorting disk
CN106164967A (zh) * 2015-02-09 2016-11-23 株式会社日立制作所 业务协作系统以及业务协作方法
US9940637B2 (en) 2015-06-05 2018-04-10 Apple Inc. User interface for loyalty accounts and private label accounts
US20160358133A1 (en) 2015-06-05 2016-12-08 Apple Inc. User interface for loyalty accounts and private label accounts for a wearable device
US11694168B2 (en) 2015-07-01 2023-07-04 The Clearing House Payments Company L.L.C. Real-time payment system, method, apparatus, and computer program
US11042882B2 (en) 2015-07-01 2021-06-22 The Clearing House Payments Company, L.L.C. Real-time payment system, method, apparatus, and computer program
GB2540753B (en) * 2015-07-22 2022-08-24 Worldpay Uk Ltd Secure data entry device
US9875593B1 (en) 2015-08-07 2018-01-23 Cummins-Allison Corp. Systems, methods and devices for coin processing and coin recycling
US10380681B2 (en) * 2015-09-08 2019-08-13 Bank Of America Corporation Real-time data processing
US10417616B2 (en) * 2015-09-08 2019-09-17 Bank Of America Corporation Real-time data processing
CN109074584B (zh) * 2016-03-01 2022-04-26 谷歌有限责任公司 免手操交易的直接结算
EP3374916B1 (en) 2016-03-01 2023-12-13 Google LLC Facial profile modification for hands free transactions
DK179186B1 (en) 2016-05-19 2018-01-15 Apple Inc REMOTE AUTHORIZATION TO CONTINUE WITH AN ACTION
CN114693289A (zh) 2016-06-11 2022-07-01 苹果公司 用于交易的用户界面
US10621581B2 (en) 2016-06-11 2020-04-14 Apple Inc. User interface for transactions
DK201670622A1 (en) 2016-06-12 2018-02-12 Apple Inc User interfaces for transactions
KR20210125616A (ko) 2016-07-31 2021-10-18 구글 엘엘씨 자동 핸즈프리 서비스 요청
US20180068313A1 (en) 2016-09-06 2018-03-08 Apple Inc. User interfaces for stored-value accounts
DK179471B1 (en) 2016-09-23 2018-11-26 Apple Inc. IMAGE DATA FOR ENHANCED USER INTERACTIONS
US10860199B2 (en) 2016-09-23 2020-12-08 Apple Inc. Dynamically adjusting touch hysteresis based on contextual data
US10181234B2 (en) 2016-10-18 2019-01-15 Cummins-Allison Corp. Coin sorting head and coin processing system using the same
US10679449B2 (en) 2016-10-18 2020-06-09 Cummins-Allison Corp. Coin sorting head and coin processing system using the same
US10496808B2 (en) 2016-10-25 2019-12-03 Apple Inc. User interface for managing access to credentials for use in an operation
US20180130035A1 (en) * 2016-11-09 2018-05-10 Ca, Inc. Advanced cash reservation system in atms
US10984420B2 (en) 2017-03-15 2021-04-20 Sujay Abhay Phadke Transaction device
US11847651B2 (en) 2017-05-23 2023-12-19 Kenneth A Kopf Systems and methods for facilitating biometric tokenless authentication for services
US10404675B2 (en) 2017-08-16 2019-09-03 Bank Of America Corporation Elastic authentication system
KR102185854B1 (ko) 2017-09-09 2020-12-02 애플 인크. 생체측정 인증의 구현
EP4156129A1 (en) 2017-09-09 2023-03-29 Apple Inc. Implementation of biometric enrollment
US11436577B2 (en) 2018-05-03 2022-09-06 The Clearing House Payments Company L.L.C. Bill pay service with federated directory model support
US11170085B2 (en) 2018-06-03 2021-11-09 Apple Inc. Implementation of biometric authentication
WO2020060694A1 (en) 2018-09-21 2020-03-26 Ecolab Usa Inc. Portable fluid level monitoring device and method
US11100349B2 (en) 2018-09-28 2021-08-24 Apple Inc. Audio assisted enrollment
US10860096B2 (en) 2018-09-28 2020-12-08 Apple Inc. Device control using gaze information
CA3066598A1 (en) 2019-01-04 2020-07-04 Cummins-Allison Corp. Coin pad for coin processing system
US11328352B2 (en) 2019-03-24 2022-05-10 Apple Inc. User interfaces for managing an account
US11477609B2 (en) 2019-06-01 2022-10-18 Apple Inc. User interfaces for location-related communications
US11481094B2 (en) 2019-06-01 2022-10-25 Apple Inc. User interfaces for location-related communications
US11169830B2 (en) 2019-09-29 2021-11-09 Apple Inc. Account management user interfaces
EP4034979B1 (en) 2019-09-29 2024-01-03 Apple Inc. Account management user interfaces
DK180985B1 (da) 2020-04-10 2022-09-02 Apple Inc Brugergrænseflader for muliggørelse af en aktivitet
AU2020101743B4 (en) * 2020-05-18 2021-03-04 Ri Pty Ltd Contactless Biometric Authentication Systems and Methods Thereof
US11816194B2 (en) 2020-06-21 2023-11-14 Apple Inc. User interfaces for managing secure operations
EP4264460A1 (en) 2021-01-25 2023-10-25 Apple Inc. Implementation of biometric authentication
US20240346474A1 (en) * 2023-04-11 2024-10-17 Visa International Service Association Interoperable System, Method, and Computer Program Product for Dispensing Funds

Family Cites Families (79)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3943335A (en) 1974-09-03 1976-03-09 Diebold, Incorporated Automatic banking equipment
US4321672A (en) 1979-11-26 1982-03-23 Braun Edward L Financial data processing system
US4390968A (en) 1980-12-30 1983-06-28 Honeywell Information Systems Inc. Automated bank transaction security system
US4484328A (en) * 1981-08-03 1984-11-20 Schlafly Hubert J Television line multiplexed data communication system
JPS59151261A (ja) 1983-02-18 1984-08-29 Fujitsu Ltd 取引保障方式
US4926480A (en) 1983-08-22 1990-05-15 David Chaum Card-computer moderated systems
US4734858B1 (en) * 1983-12-05 1997-02-11 Portel Services Network Inc Data terminal and system for placing orders
US4649563A (en) * 1984-04-02 1987-03-10 R L Associates Method of and means for accessing computerized data bases utilizing a touch-tone telephone instrument
US5168520A (en) * 1984-11-30 1992-12-01 Security Dynamics Technologies, Inc. Method and apparatus for personal identification
US4998279A (en) * 1984-11-30 1991-03-05 Weiss Kenneth P Method and apparatus for personal verification utilizing nonpredictable codes and biocharacteristics
US5144680A (en) * 1985-03-01 1992-09-01 Mitsubishi Denki Kabushiki Kaisha Individual identification recognition system
ATE64484T1 (de) * 1986-05-06 1991-06-15 Siemens Ag Anordnung und verfahren zur ermittelung der berechtigung von personen durch ueberpruefen ihrer fingerabdruecke.
US4799156A (en) 1986-10-01 1989-01-17 Strategic Processing Corporation Interactive market management system
US4821118A (en) * 1986-10-09 1989-04-11 Advanced Identification Systems, Inc. Video image system for personal identification
US4837422A (en) * 1987-09-08 1989-06-06 Juergen Dethloff Multi-user card system
US5025372A (en) 1987-09-17 1991-06-18 Meridian Enterprises, Inc. System and method for administration of incentive award program through use of credit
US4961142A (en) * 1988-06-29 1990-10-02 Mastercard International, Inc. Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer
US4947028A (en) * 1988-07-19 1990-08-07 Arbor International, Inc. Automated order and payment system
CA2004457A1 (en) * 1988-12-06 1990-06-06 Seigo Igaki Minutia data extraction in fingerprint identification
JP2557510B2 (ja) * 1988-12-29 1996-11-27 株式会社東芝 個人認証装置
US5191611A (en) * 1989-04-03 1993-03-02 Lang Gerald S Method and apparatus for protecting material on storage media and for transferring material on storage media to various recipients
US5095194A (en) * 1989-10-12 1992-03-10 Joseph Barbanell Holographic credit card with automatical authentication and verification
US5210797A (en) * 1989-10-30 1993-05-11 Kokusan Kinzoku Kogyo Kabushiki Kaisha Adaptive dictionary for a fingerprint recognizer
KR930005570B1 (ko) * 1989-11-13 1993-06-23 주식회사 금성사 홀로그램(hologram)을 이용한 지문인식장치
US4993068A (en) * 1989-11-27 1991-02-12 Motorola, Inc. Unforgeable personal identification system
US5265162A (en) 1990-01-16 1993-11-23 George Bush Portable pin card
US5146102A (en) * 1990-02-22 1992-09-08 Kabushiki Kaisha Toshiba Fingerprint image input apparatus including a cylindrical lens
US5321242A (en) 1991-12-09 1994-06-14 Brinks, Incorporated Apparatus and method for controlled access to a secured location
US5127043A (en) 1990-05-15 1992-06-30 Vcs Industries, Inc. Simultaneous speaker-independent voice recognition and verification over a telephone network
US5036461A (en) * 1990-05-16 1991-07-30 Elliott John C Two-way authentication system between user's smart card and issuer-specific plug-in application modules in multi-issued transaction device
GB2244164A (en) 1990-05-18 1991-11-20 Philips Electronic Associated Fingerprint sensing
JPH0424889A (ja) * 1990-05-21 1992-01-28 Toshiba Corp 個人認証機能付きｉｃカード
DE4114777A1 (de) 1990-05-22 1992-02-06 Peter Elsner Verfahren und einrichtung zur nachrichtenumschluesselung
US5161204A (en) 1990-06-04 1992-11-03 Neuristics, Inc. Apparatus for generating a feature matrix based on normalized out-class and in-class variation matrices
US5230025A (en) 1990-08-31 1993-07-20 Digital Biometrics, Inc. Method and apparatus for capturing skin print images
JPH04147385A (ja) 1990-10-11 1992-05-20 Matsushita Electric Ind Co Ltd 個人識別装置
KR930001001Y1 (ko) * 1990-11-17 1993-03-02 주식회사 금성사 지문 인식장치
US5274695A (en) 1991-01-11 1993-12-28 U.S. Sprint Communications Company Limited Partnership System for verifying the identity of a caller in a telecommunications network
US5239583A (en) 1991-04-10 1993-08-24 Parrillo Larry A Method and apparatus for improved security using access codes
US5229764A (en) 1991-06-20 1993-07-20 Matchett Noel D Continuous biometric authentication matrix
US5383113A (en) * 1991-07-25 1995-01-17 Checkfree Corporation System and method for electronically providing customer services including payment of bills, financial analysis and loans
US5222152A (en) * 1991-11-19 1993-06-22 Digital Biometrics, Inc. Portable fingerprint scanning apparatus for identification verification
GB9201006D0 (en) 1992-01-17 1992-03-11 Philip Electronic And Associat Classifying faces
US5335288A (en) 1992-02-10 1994-08-02 Faulkner Keith W Apparatus and method for biometric identification
US5276314A (en) 1992-04-03 1994-01-04 International Business Machines Corporation Identity verification system resistant to compromise by observation of its use
US5359669A (en) 1992-04-13 1994-10-25 Motorola, Inc. Remote retinal scan identifier
US5280527A (en) 1992-04-14 1994-01-18 Kamahira Safe Co., Inc. Biometric token for authorizing access to a host system
EP0581421B1 (en) 1992-07-20 2003-01-15 Compaq Computer Corporation Method and system for certificate based alias detection
IT1257073B (it) 1992-08-11 1996-01-05 Ist Trentino Di Cultura Sistema di riconoscimento, particolarmente per il riconoscimento di persone.
US5251259A (en) 1992-08-20 1993-10-05 Mosley Ernest D Personal identification system
CA2100134C (en) 1992-09-29 1999-06-22 Raymond Otto Colbert Secure credit/debit card authorization
EP0598469A3 (en) 1992-10-27 1996-07-10 Daniel P Dunlevy Interactive credit card fraud control process.
US5484988A (en) 1992-11-13 1996-01-16 Resource Technology Services, Inc. Checkwriting point of sale system
US5354974A (en) 1992-11-24 1994-10-11 Base 10 Systems, Inc. Automatic teller system and method of operating same
US5351303A (en) 1993-02-25 1994-09-27 Willmore Michael R Infra-red imaging and pattern recognition system
US5343529A (en) 1993-09-28 1994-08-30 Milton Goldfine Transaction authentication using a centrally generated transaction identifier
GB2283349A (en) 1993-10-29 1995-05-03 Ibm Transaction processing system
GB9323489D0 (en) 1993-11-08 1994-01-05 Ncr Int Inc Self-service business system
EP0728341B1 (en) 1993-11-12 1999-11-10 Jasper Consulting, Inc. Fingerprint analyzing and encoding system
US5465303A (en) 1993-11-12 1995-11-07 Aeroflex Systems Corporation Automated fingerprint classification/identification system and method
US5613102A (en) 1993-11-30 1997-03-18 Lucent Technologies Inc. Method of compressing data for use in performing VLSI mask layout verification
ES2110841T5 (es) 1994-03-24 2005-12-16 Minnesota Mining And Manufacturing Company Sistema de autenticacion personal biometrica.
US5649117A (en) * 1994-06-03 1997-07-15 Midwest Payment Systems System and method for paying bills and other obligations including selective payor and payee controls
US5636282A (en) 1994-06-20 1997-06-03 Paradyne Corporation Method for dial-in access security using a multimedia modem
US5583933A (en) 1994-08-05 1996-12-10 Mark; Andrew R. Method and apparatus for the secure communication of data
US5546471A (en) 1994-10-28 1996-08-13 The National Registry, Inc. Ergonomic fingerprint reader apparatus
US5802199A (en) 1994-11-28 1998-09-01 Smarttouch, Llc Use sensitive identification system
US5764789A (en) 1994-11-28 1998-06-09 Smarttouch, Llc Tokenless biometric ATM access system
US5805719A (en) 1994-11-28 1998-09-08 Smarttouch Tokenless identification of individuals
US5615277A (en) 1994-11-28 1997-03-25 Hoffman; Ned Tokenless security system for authorizing access to a secured computer system
US5870723A (en) * 1994-11-28 1999-02-09 Pare, Jr.; David Ferrin Tokenless biometric transaction authorization method and system
US5613012A (en) 1994-11-28 1997-03-18 Smarttouch, Llc. Tokenless identification system for authorization of electronic transactions and electronic transmissions
US5826245A (en) 1995-03-20 1998-10-20 Sandberg-Diment; Erik Providing verification information for a transaction
US5546523A (en) 1995-04-13 1996-08-13 Gatto; James G. Electronic fund transfer system
US5657389A (en) * 1995-05-08 1997-08-12 Image Data, Llc Positive identification system and method
US5892824A (en) 1996-01-12 1999-04-06 International Verifact Inc. Signature capture/verification systems and methods
WO1998025227A1 (en) 1996-12-04 1998-06-11 Dew Engineering And Development Limited Biometric security encryption system
US6145738A (en) 1997-02-06 2000-11-14 Mr. Payroll Corporation Method and apparatus for automatic check cashing
US6028950A (en) 1999-02-10 2000-02-22 The National Registry, Inc. Fingerprint controlled set-top box

Also Published As

Publication number Publication date
EP1151371A4 (en) 2006-02-08
AU2864400A (en) 2000-08-18
US20010029493A1 (en) 2001-10-11
US6581042B2 (en) 2003-06-17
CA2359676A1 (en) 2000-08-03
JP2003525478A (ja) 2003-08-26
WO2000045247A1 (en) 2000-08-03
EP1151371A1 (en) 2001-11-07
US6230148B1 (en) 2001-05-08

Similar Documents

Publication Publication Date Title
BR0007797A (pt) Processo para autorização de um cheque eletrônico sem indicação magnética entre um pagador e um recebedor, e, dispositivo para autorização de cheque eletrônico sem indicação magnética
BR0007801A (pt) Processo para autorização sem indicação magnética de um pagamento eletrônico entre um pagador e um recebedor, e, dispositivo de autorização de pagamento eletrônico sem indicação magnética para transferir fundos de uma conta de crédito/débito de pagador para uma conta financeira de recebedor
WO2007016114A3 (en) Methods and systems for improved security for financial transactions through a trusted third party entity
US7822666B1 (en) Secure single-use transaction numbers
EP1207506A3 (en) Payment processing method and system
BR0008045A (pt) Processos para autorização sem indicação magnética de uma transação de recompensa entre um emissor e um recebedor e para processar transferência de unidades de recompensa eletrônicas sem indicação magnética para um recebedor, e, dispositivo para transação sem indicação magnética de transferência eletrônica de unidades de recompensa para um recebedor
WO2002063580A3 (en) Apparatus for and method of secure atm debit card and credit card payment transactions via the internet
WO2005048032A3 (en) Managing attempts to initiate authentication of electronic commerce card transactions
WO2001041527A3 (en) Smart electronic receipt system
TR200002758T2 (tr) Kredi kartı sistemi ve yöntemi
WO2003075131A3 (en) System and method for performing secure remote real-time financial transactions
BR0212627A (pt) Sistema e método de transação financeira que utiliza a transmissão eletrônica de mensagens
WO2003023574A3 (en) Systems and methods for monetary transactions between wired and wireless devices
WO2005001618A3 (en) Customer authentication in e-commerce transactions
DE60004074T2 (de) Vorrichtung und verfahren für sichere geldautomatdebitkarten- und kreditkartenzahlungstransaktionen über das internet
WO1998026376A3 (en) Postpaid traveler's checks
WO2003065164A3 (en) System and method for conducting secure payment transaction
BRPI0411286A (pt) sistema para autenticar a transação comercial efetuada pelo proprietário de um cartão junto a um comerciante em uma rede eletrÈnica; estrutura de dados para transportar informações e método para a autenticação da transação comercial
EP0858057A3 (en) Electronic commerce settlement system
NO20013897L (no) Kredittkortsystem og fremgangsmåte
BR9611975A (pt) Processo para protegidamente debitar-se um meio de pagamento eletrônico
BR0112239A (pt) método para autenticação segura de identidade com tons audìveis
BR0013326A (pt) Sistema e metódo para compras seguras por meio de uma rede
GB2377806B (en) Secure electronic commerce system
WO2004034343A3 (de) Verfahren zur abwicklung eines zahlungsvorganges im elektronischen handel

Legal Events

Date Code Title Description
B25D Requested change of name of applicant approved
B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B09B Patent application refused [chapter 9.2 patent gazette]

Free format text: INDEFIRO O PEDIDO DE ACORDO COM O ARTIGO 8O COMBINADO COM ARTIGO 13 E ARTIGO 10 DA LPI

B09B Patent application refused [chapter 9.2 patent gazette]

Free format text: MANTIDO O INDEFERIMENTO UMA VEZ QUE NAO FOI APRESENTADO RECURSO DENTRO DO PRAZO LEGAL.

B15K Others concerning applications: alteration of classification

Ipc: H04L 29/06 (2006.01), G01F 19/00 (2006.01), G06F 2