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WO/2003/088005A2 |
A point-of-sale device (130a) useful in relation to a variety of circumstances and/or utilization methods. Various implementations of such point-of-sale devices are disclosed. For example, one particular point-of-sale device (130a) inclu...
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WO/2003/085959A1 |
The invention aims at providing a novel manner of offering to a wide range of customers access to pay television while reducing costs related to subscriber management. This is achieved through a system comprising a management center (CAS...
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WO/2003/085611A2 |
The invention relates to a method for configuring a payment transaction terminal (10). According to said method, a configuration form (30) that can be filled in is displayed by a browser (26) executed by an operator computer (28). Input ...
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WO/2003/085491A2 |
A system and method for replicating derivatives strategies and for trading derivatives strategies in a demandbased trading market is provided. The system and method include a plurality of client devices (160) to (200) for establishing co...
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WO/2003/085578A1 |
A system for determining customer identifiers (CIDs) associated with purchase of product items which are recalled includes a computer database management system (10, 20) and network (30). Consumers associated with the determined CIDs are...
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WO/2003/085581A1 |
A process determines whether a prepaid card customer is credit worthy by analyzing deposits and purchases transactions associated with the account of the customer. Credit is advanced on prepaid card purchases in response to the determina...
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WO/2003/085948A1 |
The inventive system for recharging prepaid mobile telephones from telephone booths comprises a central recharging unit (UCR) which is connected to telephone booths, telephone operators and credit and debit card payment gateways. The UCR...
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WO/2003/083793A2 |
There is disclosed a method and system for conducting secure credit and debit card transactions between a customer and a merchant. The customer is issued with a pseudorandom security string by a host computer, the security string being s...
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WO/2003/083751A1 |
The present invention includes a merchant system (105) that recognizes virtually any payment device (120) or technology that uses electronic check processing as a payment mechanism. For example, the merchant system (105) associates prese...
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WO/2003/083791A2 |
A method for recharging chip cards, the recharging being made from a terminal which is connectable to a service center for recharging the chip card. During the process either data are filled in a filling-in coupon or the data are gained ...
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WO/2003/083758A1 |
A terminal for supporting personal financial transactions enables a user to easily and quickly conduct his or her banking transactions over the Internet without visiting financial institutions such as a bank.
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WO/2003/084124A1 |
Provided is an apparatus (100) and method for effecting secure transactions in a contactless manner using biometric identity validation. The apparatus (100) may include, for example, a biometric sensor (102) that is operable to detect bi...
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WO/2003/083783A2 |
The invention relates to a method of delivering goods or services to a user, such as a temporary parking authorisation for a motor vehicle, by an automatic terminal, such as a ticket machine. The inventive method is characterised in that...
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WO/2003/083750A1 |
Disclosed are a system and method for operating a credit card gift certificate based on credit card transactions. According to the method for operating the credit card gift certificate, a credit card gift certificate server adds the limi...
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WO/2003/083619A2 |
The invention relates to a method and process by which an existing and large network (102) of devices can be used by consumers to authenticate themselves, and permits each consumer to apply any of the various payments mechanisms availabl...
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WO/2003/081544A2 |
A method for portable device memory management includes determining an operational mode of a program configured to execute on the portable device based on validating the presence of one or more memory markers in the memory. The one or mo...
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WO/2003/081545A1 |
A method and a system for authentication and synchronization is disclosed. The user provides a first one time code (OTC) to the authentication manager, If this OTC is within a small access window, the user is directly authenticated and g...
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WO/2003/081519A2 |
In one embodiment, an apparatus comprises a user authenticator and a transponder. The transponder is permitted to emit a wireless signal representing information stored in the apparatus in response to a wireless interrogation signal afte...
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WO/2003/081832A2 |
A proximity device (102) transmits a first dynamic authentication value contactlessly to a terminal. The first authentication value is included in a discretionary data field of message data arranged in an ISO Track 1 and/or ISO Track 2 f...
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WO/2003/080970A1 |
When an electronic locking device is applied to a rental locker, data is passed without causing a user to feel inconvenience. The user of the locker (100) holds a recording device (400) and approaches an input device (200). The input dev...
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WO/2003/081377A2 |
The invention enables a registered PEAD user to exchange a secure message with another registered PEAD user by using the user ID and the user public key information in the server. The sender can retrieve the public key information from t...
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WO/2003/081546A1 |
The invention relates to a method for automatic validation of a computer program which can access a secure memory and a non-secure memory, said program using at least one coding function and at least one de-coding function. The inventive...
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WO/2003/081455A2 |
It is described a method for certifying data containing a sequence of transactions comprising the following steps: finding a new transaction added to the sequence; computing a certification code for the new transaction taking into consid...
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WO/2003/081377A1 |
The invention enables a registered PEAD user to exchange a secure message with another registered PEAD user by using the user ID and the user public key information in the server. The sender can retrieve the public key information from t...
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WO/2003/081787A2 |
An RF-ID base wireless terminal (102) has shorted session set-up and user identification time for conducting transactions with interactive service applications (118). The wireless terminal (102) includes a terminal identification number ...
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WO/2003/081489A2 |
A system and a method for coding, tracking, and reporting on items from any one or more processing points for institutions. The system operates to affix, apply or print codes on or to items and documents, in the form of one or more bar c...
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WO/2003/081549A2 |
An approach to managing stored-value data objects, such as electronic tickets, comprises secure systems and procedures for ticket issuing, storage, and redemption. With these systems and procedures in place, stored-value data objects may...
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WO/2003/079291A1 |
An individual authentication device can execute a fingerprint authentication processing with a simple operation. The individual authentication device (10) is mounted on a slot (31) of a cellular telephone (30). When a button (11) compose...
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WO/2003/079303A1 |
The present invention relates to a system which allows third-party smart cards to be recognized by computing devices configured to receive smart cards. According to one or more embodiments of the present invention, a smart card is presen...
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WO/2003/078283A1 |
An automatic system for the delivery and distribution of articles in groups comprises a store (2) of articles (1), means (3) for the collection and delivery of articles from the store (2) and control means (5) associated with the collect...
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WO/2003/079259A1 |
A wireless financial transaction verification facility (14) has a transaction information terminal (36) for scanning credit cards and entering a purchase price, and communicates information in a first electronic format. A converter (30) ...
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WO/2003/079204A1 |
A password input unit (10) for making a user to designate specified parts of a plurality of display images sequentially and inputting designation information for a relevant display image as a password for authentication. An image display...
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WO/2003/078768A1 |
In a use limit device (1), a non-volatile storage device (15) contains second identification information for identifying a temporary user of an object and use permission information indicating that the temporary user is given the object ...
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WO/2003/079157A2 |
A computer-implemented information processing system that acts as an electronic or digital payment communications system is provided. The present invention enables a fax machine or scanning device (101a) to act as an electronic or digita...
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WO/2003/078225A2 |
The invention relates to a deposit lock (22) for a transport car (10) with a pushing handle (18), comprising a checking element (26) for a deposit (27) and a locking element (28) for a key (30). A working connection is provided between t...
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WO/2003/079250A1 |
A risk value representing the occurrence of data erase or a reason for change of issuing data of each card such as issuing cancel or an address change is calculated for the successive preparations of cards. Cards are issued in the ascend...
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WO/2003/079281A1 |
A portable device (1) comprises a communication station configuration (10) for contactless communication with at least one external data carrier (13) and a data carrier configuration (11) for contactless communication with at least one e...
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WO/2003/079302A1 |
A cashless vending system using a cellular communication terminal not requiring a complicated operation by a user. An existing vending machine can easily be made into the cashless type. After issuing a settlement request code, upon detec...
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WO/2003/079262A1 |
A reloadable debit card system (2) and method includes an issuing institution (4) whereat a main account is set up and multiple sub-accounts are established thereunder. Each sub-account corresponds to a respective cardholder. The sub-acc...
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WO/2003/079159A2 |
A system and method for purchasing pre-paid account cards and replenishing pre-paid accounts for goods and services. The system includes a data source containing data descriptive of a prepaid account. The data source is accessible by a t...
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WO/2003/077077A2 |
A system and method for PIN-less card transactions is provided where a request is received for a transaction (A). An image of a user is retrieved (B) which is then matched to a profile (C). The profile may include other identifying infor...
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WO/2003/077180A1 |
An authorization system (10) allows for cardholder-provided parameters to a personal authorization subsystem (10). The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. ...
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WO/2003/077176A1 |
The present invention relates to a method of conducting a gift sale using a magnetic card, and more specifically to a method of conducting a real-time gift sale using a magnetic card in which the gift sale participant passes a magnetic c...
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WO/2003/077080A2 |
A system and method for conducting financial transactions in an isolated economic environment. The present invention includes a nonisolated financial account system based in a non-isolated environment which maintains accounts for users...
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WO/2003/077181A1 |
This invention claims systems and methods for evaluating electronic value transfers (7a). Said mehods include receiving money transfer requests (705), electronically storing records of the money transfer requests (710), and performing an...
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WO/2003/077054A2 |
The present invention provides methods and systems (101) that facilitate the prevention of money laundering by monitoring various facets of a financial transaction via automated test routines, and automatically generating an action to ad...
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WO/2003/075197A2 |
A method for determining online financial transaction veracity, the method including determining a network address associated with an online payer in connection with an online payment instruction, determining an online payer location ass...
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WO/2003/075233A2 |
The invention concerns a smart card whereof the component includes a central unit (10), a code memory (16) wherein is stored an original code comprising at least a software bug which cannot be corrected, a data/code memory (14) in a zone...
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WO/2003/075218A1 |
Identification card manufacturing security restricts use of an identification card manufacturing system (10) with only authorized supplies (26). The supply is authorised for use with the identification card manufacturing system only when...
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WO/2003/075131A2 |
There is provided a system and method for providing a payment service including processing a payment service request having independent identification information and a pair of ATM network compatible PINs, including validating the indepe...
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