CN1547693A - 电子凭单和用于发行其的系统和方法 - Google Patents
电子凭单和用于发行其的系统和方法 Download PDFInfo
- Publication number
- CN1547693A CN1547693A CNA028165454A CN02816545A CN1547693A CN 1547693 A CN1547693 A CN 1547693A CN A028165454 A CNA028165454 A CN A028165454A CN 02816545 A CN02816545 A CN 02816545A CN 1547693 A CN1547693 A CN 1547693A
- Authority
- CN
- China
- Prior art keywords
- electronic vouchers
- image file
- image
- recipient
- picture data
- 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.)
- Pending
Links
Images
Classifications
-
- 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
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/387—Payment using discounts or coupons
-
- 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0222—During e-commerce, i.e. online 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0239—Online discounts or incentives
-
- 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
- G06Q30/0241—Advertisements
- G06Q30/0277—Online advertisement
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Development Economics (AREA)
- Marketing (AREA)
- Economics (AREA)
- Game Theory and Decision Science (AREA)
- Entrepreneurship & Innovation (AREA)
- Computer Security & Cryptography (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Editing Of Facsimile Originals (AREA)
- Storage Device Security (AREA)
Abstract
一种用于发行表示值的电子凭单的系统和方法。发行服务器(130)产生电子凭单,接受者使用该电子凭单来从零售商的电子商务网站购买商品和服务。电子凭单包括诸如公司标识的图像,以识别所述发行商。诸如用于电子凭单和加密任意文件的唯一标识符的非图像数据被嵌入电子凭单图像并用来跟踪电子凭单的使用和确认其可靠性。
Description
相关申请的参照
本申请要求2001年6月25日提交的临时申请号60/300632的优先权,其整体结合在此作为参考。
发明领域
本发明一般涉及电子凭单,尤其涉及包含嵌入图像文件中的隐藏数据的电子凭单图像,和用于发行这种电子凭单的系统和方法。
发明背景
诸如折扣券或礼券的凭单是可转让的单据,由零售商发行,它表示对发行零售商的商品或服务的将来购买的贷记。纸张形式和借记卡凭单暂时是本技术领域中已知的,且通常作为面对面零售交易中支付的形式。但是,在因特网上电子购买商品和服务的消费者中的越来越普及造成了本技术领域内对可用于电子商务交易的电子凭单的需要。
虽然当前具有专有电子凭单系统,但开发和维护这种系统是十分昂贵的,且进行电子凭单的发行超出了多数小型商业的范围。此外,现有的电子凭单仅仅由在电子商务中使用户输入的简单数字或关键字构成。数字和关键字不能匹配纸制凭单或单据的销售和广告作用,纸制的凭单或单据通常显示公司标识或其它标识发行商的形象。最后,某些已知的凭单系统为了工作迫使用户在他们的计算机上安装专有软件模块,这妨碍了某些用户采用电子凭单。
因此,本技术领域中需要一种电子凭单系统,它可以使用当前消费者的可得的软件来实现;包含标识发行商的可存储形象;并无需产生专有代码开发和维护的花费而易于实现。
发明概述
根据本发明的实施例,提供了一种系统和方法用于发行代表值的电子凭单。发行服务器产生电子凭单(eVoucher),它可以使用接受者来从零售商的电子商务网站购买商品和服务。电子凭单包括图像,它可以是公司的标识或表示发行商的任何可存储的图像。非图像数据可以嵌入在电子凭单图像中并用于跟踪接受者的电子凭单使用和检验其可靠性。根据本发明的实例性实施例,嵌入的非图像数据可以包括唯一识别该电子凭单的序号。发行服务器使用该序号来跟踪在每次使用之后电子凭单中剩余的值,并确保一旦其值用尽时不再使用该电子凭单。嵌入的非图像数据还可以包括仅为用户所知的任意文本。使用公共密钥加密技术,采用发行服务器的公共密钥加密任意文本并将其嵌入图像中。发行服务器存储所加密的任意文本的副本,并在接受者提交由零售商履行的电子凭单时使用它来检验电子凭单图像的可靠性。
附图概述
为了说明本发明,在附图中示出当前较佳的形式,但应理解本发明不限于附图中示出的精确形式,其中:
图1是描述根据本发明的实例性实施例的用于发行电子凭单的系统的图示;
图2是描述根据本发明的实例性实施例的用于电子凭单图像的格式的图示;
图3是描述根据本发明的实例性实施例的24位电子凭单图像的图示;
图4是描述根据本发明的实例性实施例的具有嵌入的非图像数据的电子凭单图像的图示;以及
图5是描述根据本发明的实例性实施例的用于发行电子凭单的方法的流程图。
具体实施方式
图1是描述根据本发明的实例性实施例的用于发行电子凭单的系统的图示。用户可以通过客户计算机110a-d访问电子凭单系统100,其中每个客户计算机较佳地加载了诸如Microsoft Internet ExplorerTM的常规网络浏览器。每个客户计算机110a-d通过诸如因特网的常规数据网络120连接到被编程来发行电子凭单的发行服务器130,如以下更详细地描述的;和连接到网络服务器160。虽然在实例性实施例中,客户计算机110a-d较佳地是运行网络浏览器的个人计算机,但在可选的实施例中客户计算机110a-d可以是连接到因特网的任何装置,包括个人数字助理(PDA)、移动电话、交互电视和其它移动通信装置。
根据本发明的实例性实施例,网络服务器160较佳地运行一网站,从该网站安全地发行零售商的电子凭单。网络服务器160还较佳地运行一网站,可以从该网站安全地购买零售商的产品,诸如电子商务或商业机构对消费者(B2C)网站。将发行服务器130程序设计来动态地产生到网络服务器160的页面。网络服务器160将这些页面转移给客户计算机110a-d。较佳地,使用超文本标记语言(HTML)、可扩展标记语言(XML)或能由客户计算机110a-d上运行的常规网络浏览器所显示的任何其它变形来将页面格式化。
发行服务器130和网络服务器160可以驻留在分开的计算机上,如图1所示,或可选地可以作为同一主机上运行的分开的进程。虽然根据基于因特网的结构进行描述,但本技术领域内熟练的技术人员可以理解的是本发明的系统100可以完整地在局域网(LAN)上、广域网(WAN)上或例如通过从客户计算机110a-d到发行服务器130的拨号连接工作。
较佳地,发行服务器130连接到数据库140。数据库140优选关系数据库,诸如Microsoft SQL Server。将发行服务器130程序设计成查询数据库140,并从其检索数据,如以下更完整地描述的。
在描述电子凭单系统100的操作之前,将说明一过程,通过该过程可以将信息隐藏到电子凭单的图像文件中。根据本发明的实例性实施例,每个电子凭单是图像文件200,其格式在图2中加以描述。电子凭单图像文件200包含定义图像的图像数据,该图像诸如公司标识或表示发行该电子凭单的零售商的任何图像。电子凭单图像文件200还较佳地包括定义由电子凭单代表的值的图像数据。较佳地,使用采用无损压缩的任何标准图像文件格式将图像文件200格式化,所述标准图像文件格式例如Microsoft WindowsTM位图格式(BMP)或可交换的图像文件格式(GIF)。
通常,图像文件表示计算机图形显示的沿横轴或行的每个像素的颜色,和沿纵轴或列的每个像素的颜色。电子凭单图像文件200优选包括3个部分:首部(header)210;调色板220;和一组图像数据230。
电子凭单图像首部210包含描述电子凭单图像的尺寸的信息,诸如分配每个像素的位的数量和位计数。电子凭单图像数据230较佳地大于8位每像素(bpp),并表示定义实际电子凭单图像的数据和用来定义每个像素的颜色含量(colorcontent)的调色板指标值(index value)。为了确定像素的颜色,从电子凭单图像数据230提取图像数据和电子凭单图像调色板220的指标。虽然图像数据230优选大于8bpp,但本技术领域内熟练的技术人员可以理解的是,也可以采用小于8bpp的图像数据。
电子凭单图像文件中每个像素的颜色较佳地是三种颜色成分的混合:红、绿和蓝。可以将多达三个字节(每个颜色成分一个字节)的数据分配到图像文件中用来指定像素的颜色。24位颜色系统(通常称作“真彩”系统)充分利用所有三个字节并能显示多达16777216种颜色。但是,多数的彩色图形显示系统是8位颜色系统,且显示多达256种颜色。
减少用来定义电子凭单图像200的图像数据200的每个像素的位数量使得可用于再现图像的颜色数量更少。但这种减少不会另外地影响图像的再现。结果,可以减少电子凭单图像200中使用的图像数据230的每个像素的位数量而牺牲图像的质量,并可以使用未使用的部分将非图像数据存储在图像文件中。根据本发明的实例性实施例,作为实例,考虑图3中描述的24位电子凭单图像像素。由于像素的三个字节中的每一个都完全用于分别表示红、绿和蓝,电子凭单图像300能够显示多达16777216种颜色。
但是如图4所示,通过在24bpp图像数据300的每个字节中腾出两个最不重要的位,每个像素可以存储多达6位的非图像数据。虽然电子凭单图像颜色分辨率从24bpp降低到18bpp(即,从16777216种颜色降低到约65536种颜色),这对电子凭单图像的质量方面的影响是可忽略的。多数图形系统只能显示256种颜色。
可供选择地,通过将其每个像素的初始位数量扩展到每个像素的其它任意位数量,非图像数据可以存储在电子凭单图像数据中。由于在确定像素颜色时添加的位是无关的,所以隐藏在这些位中的非图像数据将不影响如何再现和显示电子凭单图像。
现在将参考图1和5描述根据本发明的实例性实施例的电子凭单系统的工作。当诸如个人或公司的购买者联系发行者订购电子凭单时,过程在步骤510处开始。发行者可以是兑现电子凭单的零售商,或者可供选择地,可以是约定代表零售商产生和发行电子凭单的受信任的第三方。
较佳地,发行者具有发行服务器130,如图1所示。发行服务器130连接到运行电子凭单发行网站的网络服务器160。从而,购买者可以通过网络服务器160在发行服务器130和在购买者的客户计算机110a-d上运行的网络浏览器之间安全的因特网上订购电子凭单。在订购电子凭单时,较佳地要求购买者输入:用于凭单的最终接受者的电子邮件地址;到接受者的消息;和所需的电子凭单的值。为了购买电子凭单,购买者可以输入,例如信用卡信息,虽然也可以使用任何常规的支付形式。发行服务器随后将购买者输入的订购信息存储到数据库140中。
在步骤520中,发行服务器130产生包括电子凭单图像文件200的电子凭单。如前所述,电子凭单图像文件200可以是公司标识的图像或任何其它标识兑现的零售商的图像。为了确保每个发行的电子凭单只使用一次,发行服务器130向每个它产生的电子凭单指定一唯一的序号。可以使用常规加密技术将该序号加密,并用于之前联系图2到4描述的过程将其嵌入电子凭单图像文件的非图像数据位中。
序号可以存储在数据库140中,且可以用序号作为对账户的唯一标识符来为接受者建立电子凭单账户。因此,每次接受者使用时,本发明的电子凭单系统可以保持电子凭单是否已使用的记录以及电子凭单中还剩余多少值的记录。
较佳地,一旦使用了电子凭单,将不再使用指定给电子凭单的序号。用于指定这些唯一的序号的过程可以通过常规的全局唯一标识符(GUIDS)算法进行,如本技术领域内一般的技术人员易于理解的。可供选择地,可以使用简单的线性计数实现序号产生方案,在该简单的线性计数中每个电子凭单的序号比前一个发行的电子凭单的序号增加一。
由于超过一个人可以访问接受者的电子邮件地址,本发明的电子凭单系统包括一安全机制来确保只有接受者,而非其它实体,能够履行电子凭单。该安全机制基于常规公共密钥加密,这在美国专利No.4405829中完整地进行描述,并是本技术领域内一般的技术人员已知的。虽然该安全机制是根据接受者是电子凭单的购买者之外的某人进行描述的,但在可供选择的实施例中购买者和接受者可以是一样的。在该实施例中,接受者的身份无需包括在电子凭单中。因此,例如,购买者可以购买电子凭单并将其传递给自己作为接受者。随后,购买者将自己随意履行电子凭单,或例如将电子凭单作为礼物发送给另一个人。
在步骤530中,为了实现安全机制,发行者向接受者发送包含可执行程序和发行者公共密钥的电子邮件。可执行程序较佳地是Java程序(Java applet),如本技术领域内一般的技术人员能理解的,在其自己的安全存储空间中运行并不需要将软件安装在接受者的客户计算机110a-d上。可但是,可供选择地,可以采用任何可执行软件程序。
随后,Java程序提示接受者输入某个任意文本。较佳地,该文本是接受者易于记住的一些信息片,诸如接受者的母亲的婚前姓,并可以被用来确认接受者的身份。在可供选择的实施例中,购买者和接受者可以是相同的且接受者可能希望将电子凭单例如作为礼物发送给另一个人。为上述的相同目的,购买者/接受者也将该任意文本传递给最终接受者。随后,在步骤540中,Java程序使用发行者的公共密钥将所述任意文本加密并将其发送回发行服务器130。
在步骤550中,发行服务器130使用发行者的私有密钥将加密的文本签名,并将加密的且签名的文本存储入数据库140。在步骤550中,发行服务器130还将加密且签名的文本嵌入电子凭单图像文件200中。在步骤560中,发行者随后使用发行者的私有密钥将电子凭单加密,并将该电子凭单用电子邮件寄给接受者。应注意,由于用公共密钥加密了接受者输入的文本,所以只有发行者(使用私有密钥)能够将其解密。由于只有发行者具有发行者的私有密钥,所以任何人,甚至接受者也不能将嵌入电子凭单图像中的文本解密来改变它。结果,当接受者尝试履行电子凭单时,发行者和/或零售商能够将嵌入电子凭单图像的加密文本和数据库140中存储的加密文本进行比较来确认所要履行的电子凭单和发送给接受者的电子凭单是同样的。
在图5中描述的过程中的这一点上,电子凭单和接受者被人为是由发行实体信任的,结果也是被零售商信任的。为了履行电子凭单,较佳地在步骤570中接受者打开包含由接受者发送的电子凭单的电子邮件。在步骤570中,Java程序使用发行者的公共密钥将电子凭单解密并向接受者显示有效的电子凭单。当在步骤580中接受者点击电子凭单图像时,较佳地,自动建立到兑现零售商的电子商务服务器的连接,在该服务器上接受者可以选择产品或服务并在步骤590中使用电子凭单进行购买。
虽然联系特殊实施例描述了本发明,但许多其它变形和修改以及其它使用对于本技术领域内熟练的技术人员来说是明显的。因此,较佳地,本发明不限于这里所揭示的,而仅由所附权利要求书所限定。
Claims (17)
1.一种电子凭单,其特征在于,包括:
形成图像的图像数据;
嵌于所述图像中唯一地识别所述电子凭单的非图像数据。
2.如权利要求1所述的电子凭单,其特征在于,还包括嵌于所述图像中唯一地识别接受者的非图像数据。
3.如权利要求1所述的电子凭单,其特征在于,还包括嵌入的非图像数据,用于识别所述电子凭单的值。
4.如权利要求1所述的电子凭单,其特征在于,还包括嵌入的非图像数据,用于定义到Web服务器的超链接。
5.如权利要求1所述的电子凭单,其特征在于,还包括形成图像的图像数据,它识别发行所述电子凭单的实体。
6.如权利要求1所述的电子凭单,其特征在于,还包括形成图像的图像数据,它识别所述电子凭单的值。
7.一种用于发行表示价值的电子凭单的分布式计算机系统,其特征在于,所述系统包括:
发行服务器,它:
生成包括图像数据的图像文件;
将非图像数据嵌入所述图像文件;以及
发送包含所述嵌入的非图像数据的所述图像文件;以及
数据库,在其中存储有所述非图像数据的副本。
8.如权利要求7所述的计算机系统,其特征在于,还包括客户计算机,它接收由所述发行服务器发送的所述图像文件。
9.如权利要求8所述的计算机系统,其特征在于,所述客户计算机还向接受者显示由所述图像文件中包含的所述图像数据形成的图像。
10.如权利要求7所述的计算机系统,其特征在于,在发送所述图像文件之前,所述发行服务器先将所述图像文件加密。
11.如权利要求9所述的计算机系统,其特征在于,所述发行服务器生成可执行的计算机程序,该程序:
加密由所述接受者输入的任意文本并将所述任意文本发送到所述发行服务器;以及
将由所述发行服务器发送的所述加密的图像文件解密。
12.一种用于发行表示价值的电子凭单的方法,其特征在于,包括:
生成包含有形成图像的图像数据的图像文件;
将非图像数据嵌入所述图像文件;
存储所述非图像数据的副本;和
将包含所述图像数据和所述嵌入的非图像数据的所述图像文件发送给接受者。
13.如权利要求9所述的方法,其特征在于,还包括将所述嵌入的非图像数据加密。
14.如权利要求9所述的方法,其特征在于,还包括将所述图像文件加密。
15.如权利要求11所述的方法,其特征在于,还包括:
生成可执行的计算机程序,它:
将由所述接受者输入的任意文本加密并将所述任意文本发送到所述发行服务器;和
将由所述发行服务器发送的加密图像文件解密;以及
将所述可执行计算机程序发送到所述接受者。
16.如权利要求9所述的方法,其特征在于,还包括向所述接受者显示由所述图像文件中包含的所述图像数据形成的图像。
17.如权利要求13所述的方法,其特征在于,还包括当选择所显示的图像时,将所述接受者链接到Web服务器。
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US30063201P | 2001-06-25 | 2001-06-25 | |
US60/300,632 | 2001-06-25 |
Publications (1)
Publication Number | Publication Date |
---|---|
CN1547693A true CN1547693A (zh) | 2004-11-17 |
Family
ID=23159927
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CNA028165454A Pending CN1547693A (zh) | 2001-06-25 | 2002-06-25 | 电子凭单和用于发行其的系统和方法 |
Country Status (7)
Country | Link |
---|---|
US (2) | US8266437B2 (zh) |
EP (1) | EP1407344A4 (zh) |
JP (1) | JP2004536504A (zh) |
CN (1) | CN1547693A (zh) |
AU (1) | AU2002349780C1 (zh) |
CA (1) | CA2451616A1 (zh) |
WO (1) | WO2003001363A1 (zh) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2016172982A1 (zh) * | 2015-04-30 | 2016-11-03 | 深圳市银信网银科技有限公司 | 数据记录方法、装置和系统、计算机存储介质 |
Families Citing this family (18)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7822656B2 (en) * | 2000-02-15 | 2010-10-26 | Jpmorgan Chase Bank, N.A. | International banking system and method |
US20010041988A1 (en) * | 2000-05-09 | 2001-11-15 | Bo-In Lin | Customer renders seller issued incentive-voucher to after-sales service providers to enhance service quality |
US8290863B2 (en) | 2004-07-23 | 2012-10-16 | Jpmorgan Chase Bank, N.A. | Method and system for expediting payment delivery |
US20060235795A1 (en) * | 2005-04-19 | 2006-10-19 | Microsoft Corporation | Secure network commercial transactions |
US7849020B2 (en) * | 2005-04-19 | 2010-12-07 | Microsoft Corporation | Method and apparatus for network transactions |
US7761370B1 (en) * | 2006-11-03 | 2010-07-20 | Intuit Inc. | Method and system for generating and processing an electronic payroll voucher |
EP2165307A4 (en) * | 2007-05-25 | 2011-10-05 | Metafos Inc | ANONYMOUS ONLINE PAYMENT SYSTEMS AND METHODS |
US8819815B1 (en) * | 2007-10-16 | 2014-08-26 | Jpmorgan Chase Bank, N.A. | Method and system for distributing and tracking information |
CA2767223A1 (en) * | 2009-07-06 | 2011-01-13 | Per Otterstroem | Voucher access code creation and management |
US20120136699A1 (en) * | 2010-11-29 | 2012-05-31 | Commonkindness Inc | On-Line System of Coupon Placement and Redemption |
US9282086B2 (en) * | 2013-04-26 | 2016-03-08 | Broadcom Corporation | Methods and systems for secured authentication of applications on a network |
EP3074942A4 (en) * | 2013-11-26 | 2017-04-26 | Mastercard International Incorporated | Multi-party transaction payment network bridge apparatus and method |
PT108111A (pt) * | 2014-12-18 | 2016-06-20 | Cofidis | Método e sistema de verificação e autenticação de um voucher |
US10586409B2 (en) * | 2016-06-29 | 2020-03-10 | Ncr Corporation | Visual voucher communication systems and methods |
US10893306B2 (en) * | 2017-05-31 | 2021-01-12 | Paypal, Inc. | Digital encryption of tokens within videos |
US10762520B2 (en) | 2017-05-31 | 2020-09-01 | Paypal, Inc. | Encryption of digital incentive tokens within images |
KR102337677B1 (ko) | 2020-07-16 | 2021-12-09 | (주)휴먼스케이프 | 디지털 검증 지문 삽입 시스템 및 그 방법 |
KR102337673B1 (ko) | 2020-07-16 | 2021-12-09 | (주)휴먼스케이프 | 데이터 열람 검증 시스템 및 그 방법 |
Family Cites Families (252)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US3318227A (en) * | 1965-03-10 | 1967-05-09 | Kewaunee Mfg Company | Fume hood |
US3938091A (en) | 1972-03-17 | 1976-02-10 | Atalla Technovations Company | Personal verification system |
US4100847A (en) * | 1976-12-20 | 1978-07-18 | Labconco Corporation | Convertible, laminar flow biological safety cabinet apparatus |
US4321672A (en) | 1979-11-26 | 1982-03-23 | Braun Edward L | Financial data processing system |
US4965825A (en) | 1981-11-03 | 1990-10-23 | The Personalized Mass Media Corporation | Signal processing apparatus and methods |
US4567359A (en) | 1984-05-24 | 1986-01-28 | Lockwood Lawrence B | Automatic information, goods and services dispensing system |
US4882675A (en) | 1984-11-26 | 1989-11-21 | Steven Nichtberger | Paperless system for distributing, redeeming and clearing merchandise coupons |
US4633397A (en) | 1984-12-24 | 1986-12-30 | Richard Macco | Union member accounts management system |
US5828734A (en) | 1985-07-10 | 1998-10-27 | Ronald A. Katz Technology Licensing, Lp | Telephone interface call processing system with call selectivity |
US4713761A (en) | 1985-07-18 | 1987-12-15 | Pitney Bowes, Inc. | System for centralized processing of accounting and payment functions |
US4695880A (en) | 1985-07-30 | 1987-09-22 | Postron Corp. | Electronic information dissemination system |
US4926255A (en) | 1986-03-10 | 1990-05-15 | Kohorn H Von | System for evaluation of response to broadcast transmissions |
US4745468B1 (en) | 1986-03-10 | 1991-06-11 | System for evaluation and recording of responses to broadcast transmissions | |
US4823264A (en) | 1986-05-27 | 1989-04-18 | Deming Gilbert R | Electronic funds transfer system |
US4696491A (en) | 1986-06-19 | 1987-09-29 | Stenger Barbara J | Information reference book and indexing system |
US4725719A (en) | 1986-07-21 | 1988-02-16 | First City National Bank Of Austin | Restricted purpose, commercial, monetary regulation method |
US4799156A (en) | 1986-10-01 | 1989-01-17 | Strategic Processing Corporation | Interactive market management system |
US6195644B1 (en) | 1987-07-08 | 2001-02-27 | Stuart S. Bowie | Computer program and system for credit card companies for recording and processing bonus credits issued to card users |
US5566294A (en) | 1989-09-29 | 1996-10-15 | Hitachi, Ltd. | Method for visual programming with aid of animation |
US5084816A (en) | 1987-11-25 | 1992-01-28 | Bell Communications Research, Inc. | Real time fault tolerant transaction processing system |
US5485370A (en) | 1988-05-05 | 1996-01-16 | Transaction Technology, Inc. | Home services delivery system with intelligent terminal emulator |
US4964043A (en) | 1988-06-13 | 1990-10-16 | Galvin Thomas M | System for visualizing, identifying and ordering gearing configurations |
US4903685A (en) * | 1989-01-24 | 1990-02-27 | Melink Stephen K | Variable exhaust controller for commercial kitchens |
US4969491A (en) * | 1989-02-28 | 1990-11-13 | Nch Corporation | Acid drain opening system |
US4992940A (en) | 1989-03-13 | 1991-02-12 | H-Renee, Incorporated | System and method for automated selection of equipment for purchase through input of user desired specifications |
US5016270A (en) | 1989-04-03 | 1991-05-14 | First Data Resources Inc. | Expanded telephone data organization system |
US5201010A (en) | 1989-05-01 | 1993-04-06 | Credit Verification Corporation | Method and system for building a database and performing marketing based upon prior shopping history |
US5621812A (en) | 1989-05-01 | 1997-04-15 | Credit Verification Corporation | Method and system for building a database for use with selective incentive marketing in response to customer shopping histories |
US5187790A (en) | 1989-06-29 | 1993-02-16 | Digital Equipment Corporation | Server impersonation of client processes in an object based computer operating system |
US5157717A (en) | 1989-11-03 | 1992-10-20 | National Transaction Network, Inc. | Portable automated teller machine |
US5050207A (en) | 1989-11-03 | 1991-09-17 | National Transaction Network, Inc. | Portable automated teller machine |
US5870724A (en) | 1989-12-08 | 1999-02-09 | Online Resources & Communications Corporation | Targeting advertising in a home retail banking delivery service |
US5220501A (en) | 1989-12-08 | 1993-06-15 | Online Resources, Ltd. | Method and system for remote delivery of retail banking services |
JPH03180968A (ja) | 1989-12-08 | 1991-08-06 | Hitachi Ltd | データベース検索方法およびこれを用いる書式付き文書出力方法 |
US5231571A (en) | 1990-08-14 | 1993-07-27 | Personal Financial Assistant, Inc. | Personal financial assistant computer method |
US5317683A (en) | 1990-09-10 | 1994-05-31 | International Business Machines Corporation | Method and apparatus for automated meeting agenda generation in a data processing system |
US5351186A (en) | 1991-01-16 | 1994-09-27 | Bullock Communications, Inc. | System and method for obtaining information concerning a product or a service |
US5634101A (en) | 1991-05-31 | 1997-05-27 | R. Alan Blau & Associates, Co. | Method and apparatus for obtaining consumer information |
US5537473A (en) | 1991-07-08 | 1996-07-16 | Amstrad Public Limited Company | Video recorder system |
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 |
US5644493A (en) | 1991-08-30 | 1997-07-01 | Nsk Ltd. | Production information processing system |
US5473143A (en) | 1991-09-23 | 1995-12-05 | Atm Communications International, Inc. | ATM/POS based electronic mail system |
US5265033A (en) | 1991-09-23 | 1993-11-23 | Atm Communications International, Inc. | ATM/POS based electronic mail system |
US5557518A (en) | 1994-04-28 | 1996-09-17 | Citibank, N.A. | Trusted agents for open electronic commerce |
US5467269A (en) | 1991-12-20 | 1995-11-14 | J. B. Laughrey, Inc. | Method and means for telephonically crediting customers with rebates and refunds |
JP2659896B2 (ja) | 1992-04-29 | 1997-09-30 | インターナショナル・ビジネス・マシーンズ・コーポレイション | 構造化文書複製管理方法及び構造化文書複製管理装置 |
DE69332633T2 (de) | 1992-07-20 | 2003-11-06 | Compaq Computer Corp | Verfahren und Sytem um, auf Bescheinigung gestützt, Alias zu entdecken |
US5598557A (en) | 1992-09-22 | 1997-01-28 | Caere Corporation | Apparatus and method for retrieving and grouping images representing text files based on the relevance of key words extracted from a selected file to the text files |
US5424938A (en) | 1992-10-13 | 1995-06-13 | First Chicago Corporation | Method and apparatus for providing access to a plurality of payment networks |
GB9226475D0 (en) | 1992-12-18 | 1993-02-10 | Cambridge Display Tech Ltd | Chromophoric polymeric compositions |
US5450134A (en) | 1993-01-12 | 1995-09-12 | Visual Automation Systems, Inc. | Video facility management system for encoding and decoding video signals to facilitate identification of the video signals |
US5557334A (en) | 1993-01-12 | 1996-09-17 | Visual Automation Systems, Inc. | Apparatus for tracking the flow of video signals by incorporating patterns of machine readable signals which will appear at predetermined locations of a television picture |
US5594837A (en) | 1993-01-29 | 1997-01-14 | Noyes; Dallas B. | Method for representation of knowledge in a computer as a network database system |
US5420405A (en) | 1993-02-26 | 1995-05-30 | Chasek; Norman E. | Secure, automated transaction system that supports an electronic currency operating in mixed debit & credit modes |
US5412708A (en) | 1993-03-12 | 1995-05-02 | Katz; Ronald A. | Videophone system for scrutiny monitoring with computer control |
US5802502A (en) | 1993-05-24 | 1998-09-01 | British Telecommunications Public Limited Company | System for selective communication connection based on transaction pricing signals |
AU677393B2 (en) | 1993-07-08 | 1997-04-24 | E-Talk Corporation | Method and system for transferring calls and call-related data between a plurality of call centres |
US5570465A (en) | 1993-07-22 | 1996-10-29 | Tsakanikas; Peter J. | Apparatus, method and system for printing of legal currency and negotiable instruments |
US5844553A (en) | 1993-08-30 | 1998-12-01 | Hewlett-Packard Company | Mechanism to control and use window events among applications in concurrent computing |
US5621789A (en) | 1993-09-01 | 1997-04-15 | Teknekron Infoswitch Corporation | Method and system for integrating a plurality of call center agent performance enhancement modules |
US5920847A (en) | 1993-11-01 | 1999-07-06 | Visa International Service Association | Electronic bill pay system |
US5473732A (en) | 1993-11-02 | 1995-12-05 | Chang; Hou-Mei H. | Relational artificial intelligence system |
US6122403A (en) * | 1995-07-27 | 2000-09-19 | Digimarc Corporation | Computer system linked by using information in data objects |
US5991751A (en) | 1997-06-02 | 1999-11-23 | Smartpatents, Inc. | System, method, and computer program product for patent-centric and group-oriented data processing |
US5623681A (en) | 1993-11-19 | 1997-04-22 | Waverley Holdings, Inc. | Method and apparatus for synchronizing, displaying and manipulating text and image documents |
US5999907A (en) | 1993-12-06 | 1999-12-07 | Donner; Irah H. | Intellectual property audit system |
US5446740A (en) | 1993-12-17 | 1995-08-29 | Empire Blue Cross/Blue Shield | Method of and apparatus for processing data at a remote workstation |
US5880769A (en) | 1994-01-19 | 1999-03-09 | Smarttv Co. | Interactive smart card system for integrating the provision of remote and local services |
AU1735195A (en) | 1994-02-14 | 1995-08-29 | Telepay, Inc. | Automated interactive bill payment system |
US5870456A (en) | 1997-01-22 | 1999-02-09 | Telepay, Inc. | Automated interactive bill payment system using debit cards |
US5715298A (en) | 1996-05-16 | 1998-02-03 | Telepay | Automated interactive bill payment system using debit cards |
US5537314A (en) | 1994-04-18 | 1996-07-16 | First Marketrust Intl. | Referral recognition system for an incentive award program |
US5918214A (en) | 1996-10-25 | 1999-06-29 | Ipf, Inc. | System and method for finding product and service related information on the internet |
US5950173A (en) | 1996-10-25 | 1999-09-07 | Ipf, Inc. | System and method for delivering consumer product related information to consumers within retail environments using internet-based information servers and sales agents |
US5790650A (en) | 1994-06-01 | 1998-08-04 | Davox Corporation | Telephone call center management system which supports multi-user and separate private applications |
US5832476A (en) | 1994-06-29 | 1998-11-03 | Hitachi, Ltd. | Document searching method using forward and backward citation tables |
US5761661A (en) | 1994-07-14 | 1998-06-02 | The Sabre Group, Inc. | Data management system and method |
US5826241A (en) | 1994-09-16 | 1998-10-20 | First Virtual Holdings Incorporated | Computerized system for making payments and authenticating transactions over the internet |
US5740231A (en) | 1994-09-16 | 1998-04-14 | Octel Communications Corporation | Network-based multimedia communications and directory system and method of operation |
US5511117A (en) | 1994-09-26 | 1996-04-23 | Zazzera; Andre C. | Integrated voice and business transaction reporting for telephone call centers |
US5544086A (en) | 1994-09-30 | 1996-08-06 | Electronic Payment Services, Inc. | Information consolidation within a transaction network |
US5594791A (en) | 1994-10-05 | 1997-01-14 | Inventions, Inc. | Method and apparatus for providing result-oriented customer service |
US5838906A (en) | 1994-10-17 | 1998-11-17 | The Regents Of The University Of California | Distributed hypermedia method for automatically invoking external application providing interaction and display of embedded objects within a hypermedia document |
EP0792493B1 (en) | 1994-11-08 | 1999-08-11 | Vermeer Technologies, Inc. | An online service development tool with fee setting capabilities |
US6181837B1 (en) | 1994-11-18 | 2001-01-30 | The Chase Manhattan Bank, N.A. | Electronic check image storage and retrieval system |
US5742775A (en) | 1995-01-18 | 1998-04-21 | King; Douglas L. | Method and apparatus of creating financial instrument and administering an adjustable rate loan system |
US5755770A (en) | 1995-01-31 | 1998-05-26 | Boston Scientific Corporatiion | Endovascular aortic graft |
JPH08214281A (ja) | 1995-02-06 | 1996-08-20 | Sony Corp | 課金方法および課金システム |
US5892900A (en) | 1996-08-30 | 1999-04-06 | Intertrust Technologies Corp. | Systems and methods for secure transaction management and electronic rights protection |
US5896137A (en) * | 1995-02-15 | 1999-04-20 | Fuji Xerox, Co., Ltd. | Image processing apparatus having storage area for efficiently storing two-value and multi-value image data |
US5890140A (en) | 1995-02-22 | 1999-03-30 | Citibank, N.A. | System for communicating with an electronic delivery system that integrates global financial services |
US5787403A (en) | 1995-03-08 | 1998-07-28 | Huntington Bancshares, Inc. | Bank-centric service platform, network and system |
US5625767A (en) | 1995-03-13 | 1997-04-29 | Bartell; Brian | Method and system for two-dimensional visualization of an information taxonomy and of text documents based on topical content of the documents |
US5826245A (en) | 1995-03-20 | 1998-10-20 | Sandberg-Diment; Erik | Providing verification information for a transaction |
US5727163A (en) | 1995-03-30 | 1998-03-10 | Amazon.Com, Inc. | Secure method for communicating credit card data when placing an order on a non-secure network |
US6134549A (en) | 1995-03-31 | 2000-10-17 | Showcase Corporation | Client/server computer system having personalizable and securable views of database data |
US5590197A (en) | 1995-04-04 | 1996-12-31 | V-One Corporation | Electronic payment system and method |
US5734838A (en) | 1995-05-04 | 1998-03-31 | American Savings Bank, F.A. | Database computer architecture for managing an incentive award program and checking float of funds at time of purchase |
US5675637A (en) | 1995-05-16 | 1997-10-07 | Inventions, Inc. | Method for automatically obtaining and presenting data from multiple data sources |
US5832460A (en) | 1995-06-02 | 1998-11-03 | International Business Machines Corporation | Method and system for bill presentation and payment reconciliation |
US5657383A (en) | 1995-06-06 | 1997-08-12 | Lucent Technologies Inc. | Flexible customer controlled telecommunications handling |
US5664115A (en) | 1995-06-07 | 1997-09-02 | Fraser; Richard | Interactive computer system to match buyers and sellers of real estate, businesses and other property using the internet |
US5866889A (en) | 1995-06-07 | 1999-02-02 | Citibank, N.A. | Integrated full service consumer banking system and system and method for opening an account |
US6026429A (en) | 1995-06-07 | 2000-02-15 | America Online, Inc. | Seamless integration of internet resources |
US5710886A (en) | 1995-06-16 | 1998-01-20 | Sellectsoft, L.C. | Electric couponing method and apparatus |
US5703344A (en) | 1995-06-30 | 1997-12-30 | Visa International Service Association | Electronic funds confirmation at point of transaction |
US5794221A (en) | 1995-07-07 | 1998-08-11 | Egendorf; Andrew | Internet billing method |
US5659165A (en) | 1995-07-24 | 1997-08-19 | Citibank. N.A. | Customer-directed, automated process for transferring funds between accounts via a communications network |
US5710887A (en) | 1995-08-29 | 1998-01-20 | Broadvision | Computer system and method for electronic commerce |
JP3898242B2 (ja) | 1995-09-14 | 2007-03-28 | 富士通株式会社 | ネットワーク端末の出力を変更する情報変更システムおよび方法 |
US5819285A (en) | 1995-09-20 | 1998-10-06 | Infonautics Corporation | Apparatus for capturing, storing and processing co-marketing information associated with a user of an on-line computer service using the world-wide-web. |
US5884032A (en) | 1995-09-25 | 1999-03-16 | The New Brunswick Telephone Company, Limited | System for coordinating communications via customer contact channel changing system using call centre for setting up the call between customer and an available help agent |
US5765141A (en) | 1995-10-06 | 1998-06-09 | Spector; Donald | Computerized merchandising system |
US5784562A (en) | 1995-10-10 | 1998-07-21 | U S West Advanced Technologies, Inc. | System for using a dialog session context to process electronic forms data on the world wide web |
US5825870A (en) | 1996-04-05 | 1998-10-20 | Genesys Telecommunications Laboratories | Methods and apparatus for implementing a network call center |
US5699528A (en) | 1995-10-31 | 1997-12-16 | Mastercard International, Inc. | System and method for bill delivery and payment over a communications network |
US5778178A (en) | 1995-11-13 | 1998-07-07 | Arunachalam; Lakshmi | Method and apparatus for enabling real-time bi-directional transactions on a network |
CH690048A5 (fr) | 1995-11-28 | 2000-03-31 | C Sam S A En Formation C O Jue | Dispositif de sécurité commandant l'accès à un ordinateur ou à un terminal de réseau. |
US5859920A (en) | 1995-11-30 | 1999-01-12 | Eastman Kodak Company | Method for embedding digital information in an image |
US5790785A (en) | 1995-12-11 | 1998-08-04 | Customer Communications Group, Inc. | World Wide Web registration information processing system |
US5802498A (en) | 1996-01-11 | 1998-09-01 | Comesanas; Jorge | Computer-aided prepaid transmittal charge billing system |
US5754840A (en) | 1996-01-23 | 1998-05-19 | Smartpatents, Inc. | System, method, and computer program product for developing and maintaining documents which includes analyzing a patent application with regards to the specification and claims |
US5970482A (en) | 1996-02-12 | 1999-10-19 | Datamind Corporation | System for data mining using neuroagents |
US5758328A (en) | 1996-02-22 | 1998-05-26 | Giovannoli; Joseph | Computerized quotation system and method |
US5870718A (en) | 1996-02-26 | 1999-02-09 | Spector; Donald | Computer-printer terminal for producing composite greeting and gift certificate card |
US5933823A (en) | 1996-03-01 | 1999-08-03 | Ricoh Company Limited | Image database browsing and query using texture analysis |
US5842211A (en) | 1996-03-15 | 1998-11-24 | Microsoft Corporation | Method and system for transferring a bank file to an application program |
US5796395A (en) | 1996-04-02 | 1998-08-18 | Wegener Internet Projects Bv | System for publishing and searching interests of individuals |
US5835580A (en) | 1996-04-04 | 1998-11-10 | At&T Corp | Method and apparatus for automated provisioning and billing of communication services |
US6032147A (en) | 1996-04-24 | 2000-02-29 | Linguateq, Inc. | Method and apparatus for rationalizing different data formats in a data management system |
US5815657A (en) | 1996-04-26 | 1998-09-29 | Verifone, Inc. | System, method and article of manufacture for network electronic authorization utilizing an authorization instrument |
US5970140A (en) | 1996-05-08 | 1999-10-19 | The Regents Of The University Of California | Modular error embedding |
US5898780A (en) | 1996-05-21 | 1999-04-27 | Gric Communications, Inc. | Method and apparatus for authorizing remote internet access |
US5727950A (en) | 1996-05-22 | 1998-03-17 | Netsage Corporation | Agent based instruction system and method |
US5761647A (en) | 1996-05-24 | 1998-06-02 | Harrah's Operating Company, Inc. | National customer recognition system and method |
US6014638A (en) | 1996-05-29 | 2000-01-11 | America Online, Inc. | System for customizing computer displays in accordance with user preferences |
US5987434A (en) | 1996-06-10 | 1999-11-16 | Libman; Richard Marc | Apparatus and method for transacting marketing and sales of financial products |
US6076072A (en) | 1996-06-10 | 2000-06-13 | Libman; Richard Marc | Method and apparatus for preparing client communications involving financial products and services |
US5793861A (en) | 1996-06-11 | 1998-08-11 | Executone Information Systems, Inc. | Transaction processing system and method |
US5889863A (en) | 1996-06-17 | 1999-03-30 | Verifone, Inc. | System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture |
US5826250A (en) | 1996-06-19 | 1998-10-20 | Pegasystems Inc. | Rules bases and methods of access thereof |
US5926812A (en) | 1996-06-20 | 1999-07-20 | Mantra Technologies, Inc. | Document extraction and comparison method with applications to automatic personalized database searching |
EP0852441B1 (en) | 1996-06-20 | 2010-08-25 | International Business Machines Corporation | Data hiding method |
US5845259A (en) | 1996-06-27 | 1998-12-01 | Electronic Consumer Concepts, L.L.C. | Electronic coupon dispensing system |
US5884288A (en) | 1996-07-01 | 1999-03-16 | Sun Microsystems, Inc. | Method and system for electronic bill payment |
US6070147A (en) | 1996-07-02 | 2000-05-30 | Tecmark Services, Inc. | Customer identification and marketing analysis systems |
US5903880A (en) | 1996-07-19 | 1999-05-11 | Biffar; Peter C. | Self-contained payment system with circulating digital vouchers |
US5862223A (en) | 1996-07-24 | 1999-01-19 | Walker Asset Management Limited Partnership | Method and apparatus for a cryptographically-assisted commercial network system designed to facilitate and support expert-based commerce |
US5794259A (en) | 1996-07-25 | 1998-08-11 | Lextron Systems, Inc | Apparatus and methods to enhance web browsing on the internet |
US6088683A (en) | 1996-08-21 | 2000-07-11 | Jalili; Reza | Secure purchase transaction method using telephone number |
US6049835A (en) | 1996-08-30 | 2000-04-11 | Internet Media Corporation | System for providing easy access to the World Wide Web utilizing a published list of preselected Internet locations together with their unique multi-digit jump codes |
US6189029B1 (en) | 1996-09-20 | 2001-02-13 | Silicon Graphics, Inc. | Web survey tool builder and result compiler |
US5933827A (en) | 1996-09-25 | 1999-08-03 | International Business Machines Corporation | System for identifying new web pages of interest to a user |
US5847709A (en) | 1996-09-26 | 1998-12-08 | Xerox Corporation | 3-D document workspace with focus, immediate and tertiary spaces |
US5933817A (en) | 1996-09-27 | 1999-08-03 | Hucal; Stephen J. | Tiered interest rate revolving credit system and method |
US6055637A (en) | 1996-09-27 | 2000-04-25 | Electronic Data Systems Corporation | System and method for accessing enterprise-wide resources by presenting to the resource a temporary credential |
US5953710A (en) | 1996-10-09 | 1999-09-14 | Fleming; Stephen S. | Children's credit or debit card system |
WO1998015925A2 (en) | 1996-10-09 | 1998-04-16 | Visa International Service Association | Electronic statement presentment system |
US6058381A (en) | 1996-10-30 | 2000-05-02 | Nelson; Theodor Holm | Many-to-many payments system for network content materials |
US5933816A (en) | 1996-10-31 | 1999-08-03 | Citicorp Development Center, Inc. | System and method for delivering financial services |
US5815683A (en) | 1996-11-05 | 1998-09-29 | Mentor Graphics Corporation | Accessing a remote cad tool server |
US20030217005A1 (en) | 1996-11-27 | 2003-11-20 | Diebold Self Service Systems, Division Of Diebold, Incorporated | Automated banking machine system and method |
JP3154325B2 (ja) | 1996-11-28 | 2001-04-09 | 日本アイ・ビー・エム株式会社 | 認証情報を画像に隠し込むシステム及び画像認証システム |
US6005939A (en) | 1996-12-06 | 1999-12-21 | International Business Machines Corporation | Method and apparatus for storing an internet user's identity and access rights to world wide web resources |
US6012088A (en) | 1996-12-10 | 2000-01-04 | International Business Machines Corporation | Automatic configuration for internet access device |
JP3172475B2 (ja) | 1996-12-26 | 2001-06-04 | 日本アイ・ビー・エム株式会社 | 統計検定を用いたデータ・ハイディング方法及びデータ抽出方法 |
US5915244A (en) | 1996-12-31 | 1999-06-22 | Bi Performance Services | Computerized incentive program with plateau pricing and remote award redemption |
US5875249A (en) * | 1997-01-08 | 1999-02-23 | International Business Machines Corporation | Invisible image watermark for image verification |
US5918239A (en) | 1997-01-21 | 1999-06-29 | International Business Machines Corporation | Deferred display of web pages corresponding to links selected by user |
US5864830A (en) | 1997-02-13 | 1999-01-26 | Armetta; David | Data processing method of configuring and monitoring a satellite spending card linked to a host credit card |
CA2198189C (en) | 1997-02-21 | 2001-05-29 | Ibm Canada Limited-Ibm Canada Limitee | Internet browser based data entry architecture |
US5970478A (en) | 1997-03-12 | 1999-10-19 | Walker Asset Management Limited Partnership | Method, apparatus, and program for customizing credit accounts |
US6064987A (en) | 1997-03-21 | 2000-05-16 | Walker Digital, Llc | Method and apparatus for providing and processing installment plans at a terminal |
US6014636A (en) | 1997-05-06 | 2000-01-11 | Lucent Technologies Inc. | Point of sale method and system |
KR19980086811A (ko) | 1997-05-08 | 1998-12-05 | 니시무로 타이조 | 부가정보 매입과 재생을 위한 장치와 방법 및 그 기록 매체 |
US5958007A (en) | 1997-05-13 | 1999-09-28 | Phase Three Logic, Inc. | Automatic and secure system for remote access to electronic mail and the internet |
EP0883295A3 (en) * | 1997-06-04 | 1999-08-11 | Texas Instruments Incorporated | Method and system for the displaying of digital video data using pulse width modulation |
US5903881A (en) | 1997-06-05 | 1999-05-11 | Intuit, Inc. | Personal online banking with integrated online statement and checkbook user interface |
US6061665A (en) | 1997-06-06 | 2000-05-09 | Verifone, Inc. | System, method and article of manufacture for dynamic negotiation of a network payment framework |
US6144948A (en) | 1997-06-23 | 2000-11-07 | Walker Digital, Llc | Instant credit card marketing system for reservations for future services |
US6222932B1 (en) | 1997-06-27 | 2001-04-24 | International Business Machines Corporation | Automatic adjustment of image watermark strength based on computed image texture |
US6018724A (en) | 1997-06-30 | 2000-01-25 | Sun Micorsystems, Inc. | Method and apparatus for authenticating on-line transaction data |
US5982370A (en) | 1997-07-18 | 1999-11-09 | International Business Machines Corporation | Highlighting tool for search specification in a user interface of a computer system |
US6006249A (en) | 1997-08-19 | 1999-12-21 | The Chase Manhattan Bank | Method and apparatus for concurrent data processing |
US5940812A (en) | 1997-08-19 | 1999-08-17 | Loanmarket Resources, L.L.C. | Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications network |
US6208735B1 (en) | 1997-09-10 | 2001-03-27 | Nec Research Institute, Inc. | Secure spread spectrum watermarking for multimedia data |
US5960411A (en) | 1997-09-12 | 1999-09-28 | Amazon.Com, Inc. | Method and system for placing a purchase order via a communications network |
US5914472A (en) | 1997-09-23 | 1999-06-22 | At&T Corp | Credit card spending authorization control system |
US6112181A (en) | 1997-11-06 | 2000-08-29 | Intertrust Technologies Corporation | Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information |
US6018714A (en) | 1997-11-08 | 2000-01-25 | Ip Value, Llc | Method of protecting against a change in value of intellectual property, and product providing such protection |
US6070244A (en) | 1997-11-10 | 2000-05-30 | The Chase Manhattan Bank | Computer network security management system |
US5995948A (en) | 1997-11-21 | 1999-11-30 | First Usa Bank, N.A. | Correspondence and chargeback workstation |
US5969318A (en) | 1997-11-24 | 1999-10-19 | Mackenthun; Holger | Gateway apparatus for designing and issuing multiple application cards |
US5943656A (en) | 1997-12-03 | 1999-08-24 | Avista Advantage, Inc. | Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems |
US6535855B1 (en) | 1997-12-09 | 2003-03-18 | The Chase Manhattan Bank | Push banking system and method |
US5918217A (en) | 1997-12-10 | 1999-06-29 | Financial Engines, Inc. | User interface for a financial advisory system |
US6298356B1 (en) | 1998-01-16 | 2001-10-02 | Aspect Communications Corp. | Methods and apparatus for enabling dynamic resource collaboration |
JP4313873B2 (ja) * | 1998-01-30 | 2009-08-12 | キヤノン株式会社 | 電子機器及びデータ処理方法 |
US6081810A (en) | 1998-02-03 | 2000-06-27 | Electronic Data Systems Corporation | Report database system |
US6170011B1 (en) | 1998-09-11 | 2001-01-02 | Genesys Telecommunications Laboratories, Inc. | Method and apparatus for determining and initiating interaction directionality within a multimedia communication center |
US5963953A (en) | 1998-03-30 | 1999-10-05 | Siebel Systems, Inc. | Method, and system for product configuration |
US6505773B1 (en) * | 1998-04-03 | 2003-01-14 | International Business Machines Corporation | Authenticated electronic coupon issuing and redemption |
US6256736B1 (en) * | 1998-04-13 | 2001-07-03 | International Business Machines Corporation | Secured signal modification and verification with privacy control |
US6263086B1 (en) | 1998-04-15 | 2001-07-17 | Xerox Corporation | Automatic detection and retrieval of embedded invisible digital watermarks from halftone images |
US6252971B1 (en) | 1998-04-29 | 2001-06-26 | Xerox Corporation | Digital watermarking using phase-shifted stoclustic screens |
US6278791B1 (en) | 1998-05-07 | 2001-08-21 | Eastman Kodak Company | Lossless recovery of an original image containing embedded data |
US6912315B1 (en) * | 1998-05-28 | 2005-06-28 | Verance Corporation | Pre-processed information embedding system |
US6098070A (en) | 1998-06-09 | 2000-08-01 | Hipersoft Corp. | Case management for a personal injury plaintiff's law office using a relational database |
US6298446B1 (en) * | 1998-06-14 | 2001-10-02 | Alchemedia Ltd. | Method and system for copyright protection of digital images transmitted over networks |
US6275599B1 (en) | 1998-08-28 | 2001-08-14 | International Business Machines Corporation | Compressed image authentication and verification |
US6141441A (en) | 1998-09-28 | 2000-10-31 | Xerox Corporation | Decoding data from patterned color modulated image regions in a color image |
US6116402A (en) * | 1998-10-23 | 2000-09-12 | Coinstar, Inc. | Voucher coding for self-service coin discriminator |
US6557039B1 (en) | 1998-11-13 | 2003-04-29 | The Chase Manhattan Bank | System and method for managing information retrievals from distributed archives |
JP2000182086A (ja) | 1998-12-18 | 2000-06-30 | Toshiba Corp | 券発行方法および券照合方法 |
US6202005B1 (en) | 1999-02-05 | 2001-03-13 | First Data Corporation | System for selectively printing messages and adding inserts to merchant statements |
US6493685B1 (en) | 1999-02-10 | 2002-12-10 | The Chase Manhattan Bank | Electronic account presentation and response system and method |
US6246777B1 (en) | 1999-03-19 | 2001-06-12 | International Business Machines Corporation | Compression-tolerant watermarking scheme for image authentication |
US6609125B1 (en) | 1999-03-23 | 2003-08-19 | The Chase Manhattan Bank | Funds transfer repair system |
US6609113B1 (en) | 1999-05-03 | 2003-08-19 | The Chase Manhattan Bank | Method and system for processing internet payments using the electronic funds transfer network |
US6385591B1 (en) * | 1999-05-11 | 2002-05-07 | Jeffrey W. Mankoff | Method and system for electronic organization of coupons |
US6243481B1 (en) | 1999-05-11 | 2001-06-05 | Sony Corporation Of Japan | Information embedding and retrieval method and apparatus |
JP3550509B2 (ja) | 1999-05-26 | 2004-08-04 | 松下電器産業株式会社 | 画像記録再生装置と画像再生装置と不正利用防止方法 |
US6088700A (en) | 1999-08-06 | 2000-07-11 | Larsen; Kenneth N. | Automated forms completion for global information network applications |
US20020128903A1 (en) * | 1999-08-23 | 2002-09-12 | Kent Kernahan | Encrypted coupons |
US6438594B1 (en) | 1999-08-31 | 2002-08-20 | Accenture Llp | Delivering service to a client via a locally addressable interface |
US6574348B1 (en) * | 1999-09-07 | 2003-06-03 | Microsoft Corporation | Technique for watermarking an image and a resulting watermarked image |
US6618579B1 (en) | 1999-09-24 | 2003-09-09 | Chase Manhattan Bank | Tunable filter with bypass |
US7151832B1 (en) * | 1999-11-18 | 2006-12-19 | International Business Machines Corporation | Dynamic encryption and decryption of a stream of data |
US7013286B1 (en) * | 1999-12-30 | 2006-03-14 | International Business Machines Corporation | Generation, distribution, storage, redemption, validation and clearing of electronic coupons |
US6536663B1 (en) | 2000-01-11 | 2003-03-25 | Ncr Corporation | Self service kiosk which dispenses vouchers |
AU2001227908A1 (en) | 2000-01-12 | 2001-07-24 | Coverdell And Company | Method and system for providing insurance policy incentive rewards |
US6493677B1 (en) | 2000-01-19 | 2002-12-10 | Jones Soda Co. | Method and apparatus for creating and ordering customized branded merchandise over a computer network |
JP2001275115A (ja) * | 2000-03-23 | 2001-10-05 | Nec Corp | 電子すかしデータ挿入装置および検出装置 |
WO2001079966A2 (en) | 2000-04-14 | 2001-10-25 | American Express Travel Related Services Company, Inc. | A system and method for using loyalty points |
US20010055391A1 (en) * | 2000-04-27 | 2001-12-27 | Jacobs Paul E. | System and method for extracting, decoding, and utilizing hidden data embedded in audio signals |
US6978378B1 (en) * | 2000-05-12 | 2005-12-20 | Bluetie, Inc. | Secure file transfer system |
US20020010627A1 (en) * | 2000-05-17 | 2002-01-24 | Gilles Lerat | System and method for creation, distribution, exchange, redemption and tracking of digitally signed electronic coupons |
JP2001331747A (ja) * | 2000-05-19 | 2001-11-30 | Best Reserve:Kk | 領収データ処理方法、領収データ処理装置及び記録媒体 |
US6185242B1 (en) | 2000-05-24 | 2001-02-06 | South Carolina Systems, Inc. | Integral side wall and tap hole cover for an eccentric bottom tap (EBT) electric furnace |
US7249095B2 (en) | 2000-06-07 | 2007-07-24 | The Chase Manhattan Bank, N.A. | System and method for executing deposit transactions over the internet |
US10185936B2 (en) | 2000-06-22 | 2019-01-22 | Jpmorgan Chase Bank, N.A. | Method and system for processing internet payments |
US7065212B1 (en) * | 2000-10-27 | 2006-06-20 | Matsushita Electric Industrial Co., Ltd. | Data hiding in communication |
AU2002223934A1 (en) * | 2000-11-22 | 2002-06-03 | S. H. Hi Start Ltd. | Hiding images in halftone pictures |
US7003479B2 (en) | 2000-12-15 | 2006-02-21 | First Data Corporation | Systems and methods for ordering and distributing incentive messages |
US6912653B2 (en) * | 2001-01-23 | 2005-06-28 | Erika Monika Gohl | Authenticating communications |
US6807528B1 (en) * | 2001-05-08 | 2004-10-19 | Dolby Laboratories Licensing Corporation | Adding data to a compressed data frame |
US20020180997A1 (en) * | 2001-05-29 | 2002-12-05 | Imation Corp. | Embedding color profiles in raster image data using data hiding techniques |
US6802500B2 (en) | 2001-11-08 | 2004-10-12 | First Data Corporation | Systems and methods of providing inserts into envelopes |
US6779319B2 (en) | 2001-11-08 | 2004-08-24 | First Data Corporation | Real-time intelligent packet-collation systems and methods |
FR2832354B1 (fr) | 2001-11-20 | 2004-02-20 | Arjo Wiggins Sa | Procede de fabrication d'un article comportant une feuille et au moins un element rapporte sur cette feuille |
US20030115160A1 (en) | 2001-12-19 | 2003-06-19 | First Data Corporation | Weight measuring systems and methods for weighing items |
US6623415B2 (en) | 2001-12-21 | 2003-09-23 | First Data Corporation | Sheet folding systems and methods |
-
2002
- 2002-06-25 WO PCT/US2002/020176 patent/WO2003001363A1/en active IP Right Grant
- 2002-06-25 EP EP02752093A patent/EP1407344A4/en not_active Ceased
- 2002-06-25 CA CA002451616A patent/CA2451616A1/en not_active Abandoned
- 2002-06-25 CN CNA028165454A patent/CN1547693A/zh active Pending
- 2002-06-25 JP JP2003507689A patent/JP2004536504A/ja active Pending
- 2002-06-25 US US10/183,747 patent/US8266437B2/en active Active
- 2002-06-25 AU AU2002349780A patent/AU2002349780C1/en not_active Expired
-
2012
- 2012-08-27 US US13/595,337 patent/US8671030B1/en not_active Expired - Lifetime
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2016172982A1 (zh) * | 2015-04-30 | 2016-11-03 | 深圳市银信网银科技有限公司 | 数据记录方法、装置和系统、计算机存储介质 |
CN106415588A (zh) * | 2015-04-30 | 2017-02-15 | 深圳市银信网银科技有限公司 | 数据记录方法、装置和系统、计算机存储介质 |
Also Published As
Publication number | Publication date |
---|---|
JP2004536504A (ja) | 2004-12-02 |
WO2003001363A1 (en) | 2003-01-03 |
AU2002349780B2 (en) | 2005-11-10 |
US8671030B1 (en) | 2014-03-11 |
AU2002349780C1 (en) | 2006-09-21 |
US20030014363A1 (en) | 2003-01-16 |
EP1407344A4 (en) | 2004-12-08 |
US8266437B2 (en) | 2012-09-11 |
CA2451616A1 (en) | 2003-01-03 |
EP1407344A1 (en) | 2004-04-14 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
CN1547693A (zh) | 电子凭单和用于发行其的系统和方法 | |
CN111213139B (zh) | 基于区块链的无纸化文档处理 | |
CN111226249B (zh) | 基于区块链的可信平台 | |
CA2275574C (en) | Method and system for processing electronic documents | |
CN111108522B (zh) | 基于区块链的传票送达 | |
US11093652B2 (en) | Web-based method and system for applying a legally enforceable signature on an electronic document | |
US20210264547A1 (en) | Blockchain-based judgment execution | |
EP0913789B1 (en) | Pre-paid links to networks servers | |
US8370916B2 (en) | Digital receipt for a transaction | |
CA2594018C (en) | Method and process for creating an electronically signed document | |
US20050021480A1 (en) | Method and apparatus for creating and validating an encrypted digital receipt for third-party electronic commerce transactions | |
AU2002349780A1 (en) | Electronic vouchers and a system and method for issuing the same | |
US20030128229A1 (en) | Allowing a user to determine whether to view web content based on cost | |
AU4060502A (en) | Method and system for processing electronic documents | |
AU3819202A (en) | Method and system for processing electronic documents | |
JP2004070705A (ja) | 電子フォーム作成装置、及びこの装置によって作成された電子フォーム |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
C06 | Publication | ||
PB01 | Publication | ||
C10 | Entry into substantive examination | ||
SE01 | Entry into force of request for substantive examination | ||
REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 1071447 Country of ref document: HK |
|
C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
WD01 | Invention patent application deemed withdrawn after publication | ||
REG | Reference to a national code |
Ref country code: HK Ref legal event code: WD Ref document number: 1071447 Country of ref document: HK |