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 PDF

Info

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
Application number
CNA028165454A
Other languages
English (en)
Inventor
V・塞施
V·塞施
J·希尼斯
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
JP MOGEN BANK
JPMorgan Chase Bank NA
Original Assignee
JP MOGEN BANK
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by JP MOGEN BANK filed Critical JP MOGEN BANK
Publication of CN1547693A publication Critical patent/CN1547693A/zh
Pending legal-status Critical Current

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/387Payment using discounts or coupons
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0222During e-commerce, i.e. online transactions
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0239Online discounts or incentives
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241Advertisements
    • G06Q30/0277Online 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

电子凭单和用于发行其的系统和方法
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。
CNA028165454A 2001-06-25 2002-06-25 电子凭单和用于发行其的系统和方法 Pending CN1547693A (zh)

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)

* Cited by examiner, † Cited by third party
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)

* Cited by examiner, † Cited by third party
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)

* Cited by examiner, † Cited by third party
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

Cited By (2)

* Cited by examiner, † Cited by third party
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