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WO/2007/062155A2 |
A holographic magnetic tape comprising a hidden image pattern for protecting against slcimnaing, alteration and counterfeiting of the data encoded in the holographic magnetic tape. The hidden image pattern in a holographic magnetic tape ...
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WO/2007/062253A2 |
The invention is directed to methods of and apparatus for storing, retrieving and updating information on an information card or calling card. The card is made of traditional materials with at least a first surface reserved for tradition...
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WO/2007/059058A2 |
Systems and methods for personalizing data card are disclosed. One embodiment includes a card receiver configured to receive one or more data cards, a control system connected to the card receiver, the control system configured to receiv...
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WO2005114523B1 |
A system and method for loading, transferring and redeeming value whereby two different systems of stored value accounts, one system being on a major network (2) and the second system being on a secondary network (22), are linked, provid...
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WO/2007/055962A2 |
In a signal transmission medium such as an ac power line, impulse noise (1 10) in the line may be dealt with by detecting impulse noise in the transmission medium (110), determining whether the impulse noise is periodic (1 13) or complex...
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WO/2007/056462A2 |
A method of customizing communications (400) to a transaction account user is described The method may include the steps of incorporating a customized image (412) sent by the user on a transaction card that is provided to the user, and d...
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WO/2007/053488A2 |
A method of storing information on a memory device (120). The method includes setting up a user to be associated with the memory device (120) including biometric information obtained from the biometric reader (110). The method also inclu...
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WO/2007/051160A2 |
A tester for testing high-speed serial transceiver circuitry. The tester includes a jitter generator that uses a rapidly varying phase-selecting signal to select between two or more differently phased clock signals to generate a phase-mo...
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WO/2007/050431A2 |
Electronic transaction networks are described that are operable to find a pathway to complete an electronic data exchange for a prepaid transaction account (102). The networks may include an intermediary node (104, 404), in electronic co...
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WO/2007/044822A2 |
A drive system for a regulating the rotation of a drive system or agitator in a paintball loader is disclosed. It is designed to regulate the rotation of a feeder, especially during a jam or when projectiles in a hopper become misaligned...
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WO/2007/044479A2 |
A method of providing business information data to a user, including allowing the user unlimited access to interactive, customizable modular applications through a single platform. The applications interface with a database to provide re...
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WO/2007/044925A2 |
In a system where a customer makes a purchase with a merchant using currency, methods are provided for enabling the customer to receive change electronically. The customer has a customer identification device that is associated with a ch...
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WO/2007/044600A2 |
An interactive transaction gift card system containing a code stripe with an identification code which provides the features of a conventional gift card and/or debit card with the added benefits of an interactive multimedia presentation ...
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WO/2007/044259A2 |
A system for personalizing a plurality of transaction cards comprises an array of shells that are adapted to engage a sheet having a plurality of transaction cards. Each of the shells comprises an antenna adapted for transmitting data on...
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WO/2007/041032A2 |
A money transfer system using a money transfer instrument purchased at a retail location The system includes a POS terminal for entering a UPC code carried on the instrument. The POS terminal issues a PIN (132) in response to the UPC cod...
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WO/2007/038005A1 |
A Foldable data card assembly and method are disclosed. The foldable data card assembly comprises a base assembly (10) with a le portion (20), a middle portion (30), and a right portion (40). The left portion or the middle portion contai...
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WO/2007/035898A2 |
An electronic transactions system suitable for payment services wherein certain merchants (310C) needing to accept online micro- payments from holders of mainstream payment cards are equipped with an online Point Of Service system capabl...
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WO/2007/035831A2 |
A system and method for using a communications network with a server and a database to provide income-generating business card and referral card network. In one embodiment, a credit card issuer provides a set of personalized business car...
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WO/2007/033071A2 |
An integrated multi-serviced stored value card system permits and performs integrated telecommunication and financial services. A card affords the features of a traditional calling card plus a wide array of banking services, such as elec...
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WO/2007/030624A2 |
Systems, methods, and software are described for authorizing transactions undertaken with a negotiable instrument (185) which is p allocated a specific amount of funds. A host computer system (125) may receive a request to allocate funds...
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WO/2007/024786A1 |
A method of validating and activating a purchase card includes providing a purchase card that is removably attached to a card carrier, wherein the purchase card has an account identifier associated therewith and has a card indicium affix...
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WO/2007/024247A2 |
A wireless biometric cardholding apparatus (100) is disclosed. The invention facilitates remote reading and writing smartcards (110) after a user has been biometrically authenticated. The invention promotes secure, wireless exchange of d...
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WO2006113281B1 |
Methods and systems for measuring retail store display compliance are provided. One or more images of one or more retail store conditions are captured and associated with related information. The one or more captured images and the relat...
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WO/2007/022017A2 |
Enabling the providers of automated blood pressure readings, such as pharmacies, corporate work sites, health clubs and other customers, to charge a fee for the long-term use of a memory card to record non-invasive physiological test dat...
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WO/2007/021862A2 |
Techniques for reducing or eliminating the likelihood of fraud in a contactless proximity communications apparatus are provided. The apparatus can include a body portion with a body, a communications circuit, and an antenna. The apparatu...
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WO/2007/011254A1 |
The invention relates to electronic information systems. The inventive method for controlling authenticity of alcohol products and the transportation thereof consists in assigning an identification code to each product item, in introduci...
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WO2006014205B1 |
The present invention discloses a system and methods for biometric security using biometrics in a smartcard transaction system. The biometric security system also includes a biometric sensor that detects biometric samples and a device fo...
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WO/2007/011695A2 |
A system and method for establishing fraud detection rules system includes a first transaction card through which access to monetary funds is extended and a database associating said transaction card with one or more fraud detection rule...
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WO/2007/011840A2 |
A system and method for execution of financial and data transactions includes a point-of-sale device configured to execute a transaction in which at least one good or service is sold to an individual having a card with a storage medium e...
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WO/2007/011782A2 |
A system and method for disputing individual items that are the subject of a transaction includes storing, in a database, a record of a transaction in which a plurality of goods or services were sold to an individual that owns a transact...
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WO/2007/011786A2 |
A system and method for establishment of rules governing child accounts may include associating, in a database, a first transaction card through which access to monetary funds is extended with a second transaction card through which acce...
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WO/2007/011791A2 |
A transaction system suitable for payment by card includes a child account associated with a parent account. The transaction system receives from the parent a data set representing rules which specify on which purchases the child will be...
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WO/2007/011505A2 |
Methods, systems, and machine-readable media are disclosed for an identity verification switch. According to one embodiment, the method comprises receiving from an inquirer a request to verify an identity of an individual initiating a tr...
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WO/2007/008915A2 |
Payment transactions using a payment infrastructure (100) are efficiently combined with e-merchandise transactions using an e- merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function An elect...
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WO/2007/009051A2 |
A pre-encoded financial card (101, 102, 103, 104) is disclosed along with a system and method (100) allowing a user to attach it to pre-existing accounds and activate it instantly.
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WO/2007/002296A2 |
System, apparatus and methods for automatically calculating a discount for a customer offered by a merchant through a reservation system. In one example, a reservation file is provided and contains data relating to a reservation, and tra...
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WO/2006/138348A2 |
Disposable Hidden Codes DHCs (42) for verification of identity are a plurality of codes (42) randomly selected and sequentially stored in a control center database and linked to an account number (30). A copy of said codes then printed o...
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WO/2006/135779A2 |
Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an ident...
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WO/2006/133300A2 |
A system, method, and computer program product are use for packaging a stored value card that unviewably secures the secured value card in the package (108). The package (108) includes a readable area (106) allowing for purchasing of the...
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WO/2006/133280A2 |
A transaction aggregation method that includes the steps of receiving user data and a current transaction amount associated with a current transaction, and retrieving a reliability score for the user with the user data, and calculating a...
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WO/2006/122300A2 |
The invention provides improved security for stored-value instruments. For example, an instrument-authority system (120) may receive a first identifier for an instrument from a purchaser (104) at a point-of-sale terminal (108) and may th...
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WO/2006/121458A2 |
Systems and methods for generating, reading and transferring identifiers are disclosed. In one embodiment, a handheld system (10) for associating a selected audio content with an object includes an identifier (20) applied to a surface of...
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WO/2006/119181A1 |
Stored value cards, such as gift cards, from different card issuers are displayed for sale and activation at retail locations. A distribution database system maintains records of cards sold at the retail locations. The system accounts to...
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WO/2006/116431A2 |
In one embodiment, a presentation instrument comprises a card body having machine readable information stored thereon. A protective device is coupled to the card body so as to be disposed over at least a portion of the machine readable i...
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WO/2006/112875A1 |
A handheld computer enables an operator to authenticate an ID, determine if an ID holder is above a minimum age, and enables the collection of data about the ID holder if the ID holder is determined to be above the minimum age. The compu...
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WO/2006/107321A1 |
The invention facilitates the compilation of client-imposed charge or credit limit reports based on declined purchase and/or payment transactions. The invention provides a system and method by which an account manager for a financial ins...
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WO/2006/107777A2 |
Systems and methods are provided for secure transmission of information identifying account holders in electronic payment transactions made using payment cards or devices that are based integrated circuit chip technology. Individual card...
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WO/2006/107467A2 |
Calibrating automatic test equipment (ATE) includes determining an offset between a reference timing event and a channel event, where the channel event is associated with a communication channel of the ATE, and adjusting signal transmiss...
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WO/2006/101698A2 |
Methods and devices are provided for automating a login process and user/device associations. A user's preferred device settings and/or functions may be provisioned automatically. Some implementations provide an automated log out or 'sle...
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WO/2006/102625A2 |
A smartcard-enabled BPID Security Device integrates a smartcard reader with a biometric authentication component to provide secured access to electronic systems. The device allows for an individual to insert a smartcard into an aperture ...
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