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WO/2005/020029A2 |
A merchant can extend credit to a customer by establishing an account which allows the account to be paid off, or significantly paid down, on or after the customer's next payday. The payment can be directly extracted from the customer's ...
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WO/2005/017757A1 |
There is provided an information storage device capable of setting the number and size of divided areas obtained by dividing the memory area according to a user desire. The information storage device (70) has a plurality of divided areas...
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WO/2005/017795A1 |
A payment transaction system and method is disclosed which has a central facility (100, 200) which has an approval payment processor and a transaction payment database for maintaining accounts relating to customers. The approval payment ...
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WO/2005/017748A1 |
The invention relates to an operating system for a portable data carrier that contains a primary operating system (2) for operating the portable data carrier under normal conditions. The inventive operating system is characterized in tha...
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WO/2005/015461A1 |
A transaction system (10) for use by users, comprising: electronic tokens (24) for storing and processing token transaction data (28) and token reward data (30), each for use by a respective user; a computer server (12) for storing and p...
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WO/2005/015468A1 |
There is provided an accounting system for accounting a content distributed by an accumulation broadcast or a removable recording medium while preventing an unauthorized use and holding privacy of a user. An accounting ID specifying the ...
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WO/2005/015339A2 |
A system and method for managing one or more applications deployed on a mobile electronic device, such as a cellular phone, are disclosed. The system and method enable the user of a mobile electronic device to select one of a plurality o...
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WO/2005/015458A1 |
The invention relates to a system whereby any person can use a mobile telephone in order to make a lottery purchase. According to the invention, the customer uses his/her mobile telephone to call the inventive system and said system disp...
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WO/2005/014959A1 |
There is provided a recognition device having an improved key identification capability and user-friendliness for a user. An electronic device using the recognition device is also provided. A clerk key (10) has a built-in transponder (10...
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WO/2005/013163A2 |
The invention concerns an electronic payment system wherein the client is provided in replacement of currency, electronic money, in the form of an alphanumerical code representing a specific maximum amount or nominal value. To obtain sai...
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WO/2005/013219A1 |
The invention concerns a secure housing containing a keyboard for inserting confidential data such as a personal identification number designed in particular for a secure electronic payment system in terms of mechanics, electronics and e...
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WO/2005/013180A2 |
Apparatus and method are disclosed for digital authentication and verification. In one embodiment, authentication involves storing a cryptographic key and a look up table (LUT), generating an access code using the cryptographic key; gene...
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WO/2005/013159A1 |
This invention concerns a method for validating a deposit bond (20). The method involves receiving data to identify the vendor (30), from an authorised user. Also; verifying the deposit bond (20) by searching for an issued bond which mat...
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WO/2005/013138A1 |
An authentication method for authenticating a user by operating a plurality of operation object areas corresponding to a password by a predetermined order for a plurality of operation object areas. The method includes a judgment step for...
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WO/2005/013167A1 |
The present invention relates to a method for management of a plurality of payment cards (10), in particular payment cards of the smatcard type, which can be used in a sales service for consumer goods sold by at least one person purchasi...
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WO/2005/010785A1 |
A method is disclosed, by means of which at least one goods identification unit (60) is operated in a data transmission network, in particular, an electronic price label. Goods are rapidly and simply selected by means of a selection unit...
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WO/2005/010835A1 |
An add value terminal provides an automatic fare collection environment with a compact, easy to use, and easy to install device that re-values and issues transit fare smart cards exclusively utilizing credit and debit functions. The add ...
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WO/2005/010810A1 |
The invention relates to a method for the issuing of a portable data support to a user (1). Reference data is provided in the portable data support, which can be extracted from the portable data support for verification of inputted verif...
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WO/2005/010684A2 |
We provide techniques for uniquely linking security elements in identification documents. In one implementation we provide a digital watermark embedded embedded on, and a smartcard (212) chip embedded in, an identification document. The ...
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WO/2005/010805A1 |
In an IC card issuing system, for an IC card electronically closed in advance and having key information for activating the IC card, an issuing device generates or selects information for releasing the key to activate the IC card from in...
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WO/2005/010832A1 |
The inventive terminal (200), that may be realised in various embodiments, e.g. as access control terminal, pay telephone, point of sales terminal, ticket vending machine or automatic teller machine, comprises a touch panel display (100)...
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WO/2005/011191A1 |
Method and apparatus for controlling access to a secure network, system or application is disclosed. In one embodiment, an apparatus for requesting authentication (210) includes a storage medium (211) that stores a cryptographic key, a p...
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WO/2005/008576A1 |
A card and a user terminal allowing processings associated with processings based on card-noncontact communication to be executed in the user terminal to which the card has been provided. The card (30) has noncontact communication means;...
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WO/2005/008400A2 |
A self-service vending unit allows a potential user of a toll transponder to buy the transponder without having to visit a customer-service facility. The vending unit automatically accepts payment, such as cash or a credit or debit card,...
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WO/2005/008563A2 |
A method for encrypting and decrypting user data stored on identification tags, such as RFID tags, of the type having a tag identification code unique to each tag. An encryption/decryption key unique to each tag is based in part or in wh...
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WO/2005/008502A1 |
A command specifying an access region from a terminal is separated from a command performing access and the argument of the command performing access contains terminal verification data when transmitted. Thus, it is possible to verify th...
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WO/2005/008446A2 |
A payment system that does not rely on credit or debit cards, does not require the merchant and purchaser to have compatible memberships to complete a transaction, and does not limit single transactions to a single account provides a wid...
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WO/2005/006231A1 |
An authentication system of a high security property wherein even when a person, who attempts to conduct an illegal behavior, performs modification or the like of an authentication apparatus, a system of a retail store or the like, such ...
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WO/2005/006178A2 |
In one embodiment, a method is provided that may include determining, at least in part, at an intermediate station one or more locations in storage devices of one or more respective portions of check data and/or other data. The check dat...
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WO/2005/006647A2 |
A universal lightweight, easily carried memory identification card (8) records information and controls access to this information. The memory card includes a file system of electronic files on the card, which are automatically detected ...
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WO/2005/006265A1 |
The invention concerns a first device for delivering a service using an application lodged in a portable object, comprising a portable object reader for receiving said portable object, the portable object incorporating at least one appli...
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WO/2005/004070A2 |
A system and method for conducting secure electronic transactions are provided. More specifically, a system and method are provided for conducting secure transactions utilizing tokens, such as transaction cards, such as credit cards or t...
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WO/2005/003924A2 |
Merchants or other third parties can add an activation link on their Internet site. The activation link can be associated with text or an image, for example a logo. The activation link can be presented to cardholders visiting an Internet...
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WO/2005/004456A1 |
A method of using accounting certificates to allow a subscriber of a home network to purchase services or products via a mobile communications network, the method comprising sending a request for an accounting certificate from a subscrib...
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WO/2005/003928A2 |
Methods and systems for trading and replicating contingent claims, such as derivatives strategies, in a demand-based auction are described. In one embodiment, a set of demand-based claims, each of which can be a vanilla option or a digit...
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WO/2005/001671A1 |
An identification system is provided for controlling access to a resource such as a place, an object, data, information, payment means, or authority to act. The system includes one or more objects (100, 202, 310) each hosting an electron...
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WO/2005/002130A1 |
A hybrid authentication device that has a keypad (103), a display(104), an electronic communications interface (105) and a processor (101) and memory (102) that can be removable, such as a Subscriber Identity Module. The device can opera...
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WO/2005/001780A1 |
The invention relates to a method for the management of memory in a portable data carrier (10). According to the invention, programs are entered into a file system (38, 38'), wherein an entry of a program into a file system (38, 38') com...
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WO/2005/002132A2 |
The invention relates to a portable data carrier (1) for decoding cryptographically secured digital data representing a digitalisation of an analog signal. The inventive portable data carrier (1) is characterised in that it is provided w...
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WO/2005/002105A1 |
A universal lightweight, easily carried memory identification card records information and controls access to this information. The memory card includes a file system of electronic files on the card, which are automatically detected and ...
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WO/2005/001618A2 |
A Chip Authentication Program based on 3-D Secure protocols is provided for authenticating customers' (180) on-line transactions. An issuer, who may be a payment card issuer, operates Access Control and Authentication Request Servers (12...
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WO/2005/001610A2 |
A system and method of conducting sales transactions. More particularly, the invention includes a first station (22) at which a customer may obtain a portable scanning device (34). This scanning device (34) may be readily transported abo...
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WO/2004/114696A1 |
A system for providing banking services by use of a mobile communication system, in which a variety of financial transactions including inquiry of at least one financial account of at least one financial institution, transfer and remitta...
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WO/2004/114097A2 |
Apparatus and method for authentication is disclosed (100). In one embodiment (100), an apparatus for performing authentication using removbly coupled external authentication module comprises a module configured to receive the authentica...
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WO/2004/114697A1 |
A method of providing banking services by use of a mobile communication system having a removable built-in integrated circuit (IC) card chip in which personal identification number (PIN) information and related information on financial a...
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WO/2004/114236A1 |
The invention relates to a method of issuing a ticket which has been paid for using illegal payment means. The invention is intended to be implemented during a transaction between a user and a ticket-dispensing automaton (10), at the end...
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WO/2004/114190A1 |
A method and system used to integrate and control multiple secure credentialing approaches including magnetic stripes, bar codes, contact and contactless SmartCard chips (12), Short Message Systems (SMS), Global Positioning Systems (GPS)...
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WO/2004/114231A1 |
Techniques are provided for verifying an electronic financial transaction. In certain implementations, verifying an electronic financial transaction includes generating a user interface including a security code, the user interface assoc...
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WO/2004/114685A2 |
A tracking system for use in identifying individuals of a group, each of the individuals having an associated data set indicative of the identity of those individuals, includes an electromagnetic identification apparatus (20) configured ...
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WO/2004/114229A1 |
The aim of the invention is to provide a method for allocating resources in a security module of a mobile device such as a telephone, which takes into account the security imperatives of the different parties such as the operator and the...
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