CA2836286A1 - System and method for authenticating a rf transaction using a radio frequency indentification device including a transactions counter - Google Patents
System and method for authenticating a rf transaction using a radio frequency indentification device including a transactions counter Download PDFInfo
- Publication number
- CA2836286A1 CA2836286A1 CA2836286A CA2836286A CA2836286A1 CA 2836286 A1 CA2836286 A1 CA 2836286A1 CA 2836286 A CA2836286 A CA 2836286A CA 2836286 A CA2836286 A CA 2836286A CA 2836286 A1 CA2836286 A1 CA 2836286A1
- Authority
- CA
- Canada
- Prior art keywords
- transaction
- transaction device
- rfid
- reader
- authentication tag
- 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.)
- Abandoned
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/0036—Checkout procedures
- G07G1/0045—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
- G07G1/009—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader the reader being an RFID reader
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/203—Inventory monitoring
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/20—Individual registration on entry or exit involving the use of a pass
- G07C9/28—Individual registration on entry or exit involving the use of a pass the pass enabling tracking or indicating presence
Abstract
A system and method for securing a Radio Frequency (RF) transaction (100) a RF
identification device (RFID) transaction device (102) is provided. RFID
transaction device (102) includes a transactions counter for tallying the number of transactions attempted or completed with the RFID transactions device. Counter (118) value is used to create a RFID device authentication tag for use in validating the RFID
device. A RFID reader, (104) interacting with the RFID device, provides a random number to the RFID device which may be used in the RFID device authentication tag creation and validation. RFID reader may also use counter value and random number to create a RFID reader authentication key useful for validating RFID
reader. RFID transaction device may include an encryption key for creating RFID
transaction device authentication tag. Likewise, REID reader may include a RFID
reader encryption key for creating RFID reader authentication tag.
identification device (RFID) transaction device (102) is provided. RFID
transaction device (102) includes a transactions counter for tallying the number of transactions attempted or completed with the RFID transactions device. Counter (118) value is used to create a RFID device authentication tag for use in validating the RFID
device. A RFID reader, (104) interacting with the RFID device, provides a random number to the RFID device which may be used in the RFID device authentication tag creation and validation. RFID reader may also use counter value and random number to create a RFID reader authentication key useful for validating RFID
reader. RFID transaction device may include an encryption key for creating RFID
transaction device authentication tag. Likewise, REID reader may include a RFID
reader encryption key for creating RFID reader authentication tag.
Description
Description SYSTEM AND METHOD FOR
AUTHENTICATING A RF TRANSACTION
USING A RADIO FREQUENCY
IDENTIFICATION DEVICE INCLUDING
A TRANSACTIONS COUNTER
AUTHENTICATING A RF TRANSACTION
USING A RADIO FREQUENCY
IDENTIFICATION DEVICE INCLUDING
A TRANSACTIONS COUNTER
2 This is a divisional application of Canadian Patent Application Serial No. 2,583,402 filed on September 23, 2005.
FIELD OF INVENTION
[Para 21 This invention generally relates to a system and method for securing a Radio Frequency (RF) transaction using a RF operable transaction device, and more particularly, to securing a RF transaction using a Radio Frequency Identification (RFID) device module including a transactions counter.
It should be understood that the expression "the invention" and the like used herein may refer to subject matter claimed in either the parent or the divisional applications.
BACKGROUND OF INVENTION
[Para 3]
Like barcode and voice data entry, RFID is a contactless information acquisition technology. RFID systems are wireless, and are usually extremely effective in hostile environments where conventional acquisition methods fail. RFID has established itself in a wide range of markets, such as, for example, the high-speed reading of railway containers, tracking moving objects such as livestock or automobiles, and retail inventory applications. As such, RFID technology has become a primary focus in automated data collection, identification
FIELD OF INVENTION
[Para 21 This invention generally relates to a system and method for securing a Radio Frequency (RF) transaction using a RF operable transaction device, and more particularly, to securing a RF transaction using a Radio Frequency Identification (RFID) device module including a transactions counter.
It should be understood that the expression "the invention" and the like used herein may refer to subject matter claimed in either the parent or the divisional applications.
BACKGROUND OF INVENTION
[Para 3]
Like barcode and voice data entry, RFID is a contactless information acquisition technology. RFID systems are wireless, and are usually extremely effective in hostile environments where conventional acquisition methods fail. RFID has established itself in a wide range of markets, such as, for example, the high-speed reading of railway containers, tracking moving objects such as livestock or automobiles, and retail inventory applications. As such, RFID technology has become a primary focus in automated data collection, identification
3 and analysis systems worldwide.
[Para 4] Of late, companies are increasingly embodying RFID data acquisition technology in portable devices are identifiable by hand. For example, RFID modules are being placed in a fob or tag for use in completing financial transactions. A typical fob includes a RF transponder and is ordinarily a self-contained device which may be contai ned on any portable form factor. In some instances, a battery may be included with the fob to power the transponder, in which case the internal circuitry of the fob (including the transponder) may draw its operating power from the battery power source. Alternatively, the fob may exist independent of an internal power source. In this instance the internal circuitry of the fob (including the transponder) may gain its operating power directly from an RF interrogation signal provided by a RF
reader. U.S. Patent No. 5,053,774, issued to Schuermann, describes a typical transponder RF interrogation system which may be found in the prior art. The Schuermann patent describes in general the powering technology surrounding conventional transponder structures. U.S. Patent No. 4,739,328 discusses a method by which a conventional transponder may respond to a RF interrogation signal.
Other typical modulation techniques which may be used include, for example, ISO/IEC 14443 and the like.
[Para 5]
In the conventional fob powering technologies used, the fob is typically activated upon presenting the fob in an interrogation signal.
In this regard, the fob may be activated irrespective of whether the
[Para 4] Of late, companies are increasingly embodying RFID data acquisition technology in portable devices are identifiable by hand. For example, RFID modules are being placed in a fob or tag for use in completing financial transactions. A typical fob includes a RF transponder and is ordinarily a self-contained device which may be contai ned on any portable form factor. In some instances, a battery may be included with the fob to power the transponder, in which case the internal circuitry of the fob (including the transponder) may draw its operating power from the battery power source. Alternatively, the fob may exist independent of an internal power source. In this instance the internal circuitry of the fob (including the transponder) may gain its operating power directly from an RF interrogation signal provided by a RF
reader. U.S. Patent No. 5,053,774, issued to Schuermann, describes a typical transponder RF interrogation system which may be found in the prior art. The Schuermann patent describes in general the powering technology surrounding conventional transponder structures. U.S. Patent No. 4,739,328 discusses a method by which a conventional transponder may respond to a RF interrogation signal.
Other typical modulation techniques which may be used include, for example, ISO/IEC 14443 and the like.
[Para 5]
In the conventional fob powering technologies used, the fob is typically activated upon presenting the fob in an interrogation signal.
In this regard, the fob may be activated irrespective of whether the
4 user desires such activation. These are called "passive" RFID
devices. Alternatively, the fob may have an internal power source such that interrogation by the reader to activate the fob is not required. These RFID devices are termed "active" RFID devices.
[Para 6] One of the more visible uses of the RFID technology is found in the introduction of Exxon/Mobil's Speedpass and Shell's EasyPayC) products. These products use transponders placed in a fob or tag which enables automatic identification of the user when the fob is presented at a Point-of-Sale (POS) device. Fob identification data is typically passed to a third-party server database, where the identification data is referenced to a customer (e.g., user) credit or debit account. In an exemplary processing method, the server seelcs authorization for the transaction by passing the transaction and account data to an authorizing entity, such as for example an "acquirer" or account issuer. Once the server receives authorization' from the authorizing entity, the authorizing entity sends clearance to the point-of-sale device for completion of the transaction.
[Para 7]
Minimizing fraud transactions in the RFID environment is typically important to account issuer to lessen the loss associated with fraudulent RFID transaction device usage. One conventional method for securing RFID transactions involves requiring the device user to provide a secondary form of identification during transaction Completion. For example, RFID transaction device user may be asked to enter a personal identification number (PIN) into a keypad. The PIN
may then be verified against a number associated with the user or RFID transaction device, where the associated number is stored in an account issuer database. If the PIN number provided by the device user matches the associated number, then the transaction may be cleared for completion.
[Para 8] One problem with the conventional method of securing an RFID
transaction is that the time for completing the transaction is increased.
The increased time is typically due to the RFID device user delaying the transaction to provide the alternate identification. The increased time for completing a transaction defeats one of the real advantages of RFID transaction device, which is to permit expedient completion of a transaction since the account information may be passed to a reader without merchant involvement.
[Para 9] As such, a need exists for a method of securing a RFID transaction which does not increase the time needed to complete a transaction, and wherein the method may be used without device user intervention.
SUMMARY OF INVENTION
[Para 10] The invention includes a system and method for securing RFID
transactions which addresses the problems found in conventional transaction securing methods. The securing method includes verifying a RFID transaction device counter, which may generate an indicia corresponding to the number of transactions conducted using a particular RFID transaction device. The method involves variously validating a RFID device authentication tag and a RFID reader authentication tag.
[Para 11] The invention discloses a system and method for verifying a RFID
transaction device and RFID reader operable with a RF transaction system. An exemplary method involves presenting a RFID transaction system to a RFID reader, receiving a random number from RFID
reader, creating a RFID transaction device authentication tag using the random number and a counter value, providing the random number, counter value; and RFID transaction device authentication tag to a RFID reader, creating a RFID reader authentication tag using counter random number, and RFID authentication tag, and providing RFID reader and RFID transaction device for authentication.
[Para 12] Under a second embodiment, the invention involves verifying RFID
transaction device only. In another embodiment, the invention involves verifying RFID reader without verifying RFID transaction device.
According to an aspect of the present invention there is provided a Radio Frequency (RF) transaction securing system comprising:
a radio frequency identification (RFID) transaction device, including:
a RF operable transaction device transponder;
a transaction device processor in communication with said transponder;
a transaction device database in communication with said transaction device processor; and 6a a transactions counter in communication with said transaction device processor, said counter including a total transactions counted value.
According to another aspect of the present invention there is provided a method for securing Radio Frequency (RF) transactions comprising the steps of:
providing an interrogation signal for interrogating a RF
transaction device including a RF operable transaction device transponder;
providing a counter for counting the total transactions completed with the RF transaction device;
incrementing the counter value a predetermined incremental value when a transaction request is provided, thereby providing the total number of transactions completed with the transaction device;
and approving a transaction based on the value of the total number of transactions completed.
According to a further aspect of the present invention there is provided a method of completing a secure Radio Frequency transaction comprising:
providing a RFID transaction device including a counter for counting the number of transactions completed with the device; and approving a transaction based on the number of transactions completed with the device.
Aspects of the present invention are provided by the following clauses.
Clauses 1. A
method for securing a radio frequency (RF) transaction comprising:
6b receiving a RF reader authentication tag, a transaction account number, a RF transaction device authentication tag, and a RF
transaction device counter value;
verifying the RF reader authentication tag, RF transaction device authentication tag, and RF transaction device counter value;
processing a transaction request, wherein the RF transaction device authentication tag, RF reader authentication tag, and RF
transaction device counter value are verified, the RF transaction device authentication tag being produced using a RF transaction device encryption key, the RF transaction device counter value, the transaction account number, and a random number, where the RF
transaction device encryption key, the RF transaction device counter value, and the transaction account number are provided by a RF
transaction device and the random number is provided by a RF
reader, and wherein the RF reader authentication tag is produced using the RF transaction device authentication tag, the RF transaction device counter value, the random number, and transaction account number.
2. A method of clause 1 comprising locating a RF reader encryption key using a merchant Point-of-Sale (POS) identifier.
3. A method of clause 1 comprising receiving a converted RF reader authentication tag, converted RF transaction device authentication tag, converted RF transaction device counter value, converted random number, and converted transaction number, where the conversion is done in accordance with a merchant POS recognized format.
4. A method of clause 3 comprising reproducing the RF reader authentication tag, the transaction account number, counter value, the random number and the RF transaction device authentication tag 6c from the RF reader authentication tag using the RF reader encryption key.
devices. Alternatively, the fob may have an internal power source such that interrogation by the reader to activate the fob is not required. These RFID devices are termed "active" RFID devices.
[Para 6] One of the more visible uses of the RFID technology is found in the introduction of Exxon/Mobil's Speedpass and Shell's EasyPayC) products. These products use transponders placed in a fob or tag which enables automatic identification of the user when the fob is presented at a Point-of-Sale (POS) device. Fob identification data is typically passed to a third-party server database, where the identification data is referenced to a customer (e.g., user) credit or debit account. In an exemplary processing method, the server seelcs authorization for the transaction by passing the transaction and account data to an authorizing entity, such as for example an "acquirer" or account issuer. Once the server receives authorization' from the authorizing entity, the authorizing entity sends clearance to the point-of-sale device for completion of the transaction.
[Para 7]
Minimizing fraud transactions in the RFID environment is typically important to account issuer to lessen the loss associated with fraudulent RFID transaction device usage. One conventional method for securing RFID transactions involves requiring the device user to provide a secondary form of identification during transaction Completion. For example, RFID transaction device user may be asked to enter a personal identification number (PIN) into a keypad. The PIN
may then be verified against a number associated with the user or RFID transaction device, where the associated number is stored in an account issuer database. If the PIN number provided by the device user matches the associated number, then the transaction may be cleared for completion.
[Para 8] One problem with the conventional method of securing an RFID
transaction is that the time for completing the transaction is increased.
The increased time is typically due to the RFID device user delaying the transaction to provide the alternate identification. The increased time for completing a transaction defeats one of the real advantages of RFID transaction device, which is to permit expedient completion of a transaction since the account information may be passed to a reader without merchant involvement.
[Para 9] As such, a need exists for a method of securing a RFID transaction which does not increase the time needed to complete a transaction, and wherein the method may be used without device user intervention.
SUMMARY OF INVENTION
[Para 10] The invention includes a system and method for securing RFID
transactions which addresses the problems found in conventional transaction securing methods. The securing method includes verifying a RFID transaction device counter, which may generate an indicia corresponding to the number of transactions conducted using a particular RFID transaction device. The method involves variously validating a RFID device authentication tag and a RFID reader authentication tag.
[Para 11] The invention discloses a system and method for verifying a RFID
transaction device and RFID reader operable with a RF transaction system. An exemplary method involves presenting a RFID transaction system to a RFID reader, receiving a random number from RFID
reader, creating a RFID transaction device authentication tag using the random number and a counter value, providing the random number, counter value; and RFID transaction device authentication tag to a RFID reader, creating a RFID reader authentication tag using counter random number, and RFID authentication tag, and providing RFID reader and RFID transaction device for authentication.
[Para 12] Under a second embodiment, the invention involves verifying RFID
transaction device only. In another embodiment, the invention involves verifying RFID reader without verifying RFID transaction device.
According to an aspect of the present invention there is provided a Radio Frequency (RF) transaction securing system comprising:
a radio frequency identification (RFID) transaction device, including:
a RF operable transaction device transponder;
a transaction device processor in communication with said transponder;
a transaction device database in communication with said transaction device processor; and 6a a transactions counter in communication with said transaction device processor, said counter including a total transactions counted value.
According to another aspect of the present invention there is provided a method for securing Radio Frequency (RF) transactions comprising the steps of:
providing an interrogation signal for interrogating a RF
transaction device including a RF operable transaction device transponder;
providing a counter for counting the total transactions completed with the RF transaction device;
incrementing the counter value a predetermined incremental value when a transaction request is provided, thereby providing the total number of transactions completed with the transaction device;
and approving a transaction based on the value of the total number of transactions completed.
According to a further aspect of the present invention there is provided a method of completing a secure Radio Frequency transaction comprising:
providing a RFID transaction device including a counter for counting the number of transactions completed with the device; and approving a transaction based on the number of transactions completed with the device.
Aspects of the present invention are provided by the following clauses.
Clauses 1. A
method for securing a radio frequency (RF) transaction comprising:
6b receiving a RF reader authentication tag, a transaction account number, a RF transaction device authentication tag, and a RF
transaction device counter value;
verifying the RF reader authentication tag, RF transaction device authentication tag, and RF transaction device counter value;
processing a transaction request, wherein the RF transaction device authentication tag, RF reader authentication tag, and RF
transaction device counter value are verified, the RF transaction device authentication tag being produced using a RF transaction device encryption key, the RF transaction device counter value, the transaction account number, and a random number, where the RF
transaction device encryption key, the RF transaction device counter value, and the transaction account number are provided by a RF
transaction device and the random number is provided by a RF
reader, and wherein the RF reader authentication tag is produced using the RF transaction device authentication tag, the RF transaction device counter value, the random number, and transaction account number.
2. A method of clause 1 comprising locating a RF reader encryption key using a merchant Point-of-Sale (POS) identifier.
3. A method of clause 1 comprising receiving a converted RF reader authentication tag, converted RF transaction device authentication tag, converted RF transaction device counter value, converted random number, and converted transaction number, where the conversion is done in accordance with a merchant POS recognized format.
4. A method of clause 3 comprising reproducing the RF reader authentication tag, the transaction account number, counter value, the random number and the RF transaction device authentication tag 6c from the RF reader authentication tag using the RF reader encryption key.
5. A method of clause 4 where the RF transaction device authentication tag is verified using a corresponding RF transaction device encryption key, the corresponding RF transaction device encryption key corresponding to the RF transaction device encryption key.
6. A method of clause 5 where counter value is verified by comparing counter value to an expected counter value.
7. A method of clause 6, where the transaction account number, transaction account expiration date, RF transaction device encryption key, and a RF transaction device counter for providing counter value are included on a RF transaction device when the RF transaction device is manufactured.
8. A method of clause 6, where counter value is a value incremented by a random amount from a counter beginning value.
9. A method of clause 6, where counter value is a value incremented by a predetermined amount from a counter beginning value.
10. A method for facilitating securing a radio frequency transaction cornprising:
receiving a RF transaction device authentication tag, a transaction account number, a transaction account expiration date, and a RF transaction device counter value;
verifying the RF transaction device authentication tag using a corresponding RF transaction device encryption key, the corresponding RF transaction device encryption key corresponding to a RF transaction device encryption key referenced to a RF
transaction device;
6d verifying the RF transaction device counter value; and processing a transaction request wherein the RF transaction device authentication tag and the RF transaction device counter is verified, the RF transaction device authentication tag being produced using the RF transaction device encryption key, a random number, the RF transaction device counter value and the transaction account number, where the RF transaction device encryption key, the RF
transaction device counter value, and the transaction account number are provided by a RF transaction device, and wherein the random number is provided by a RF reader.
receiving a RF transaction device authentication tag, a transaction account number, a transaction account expiration date, and a RF transaction device counter value;
verifying the RF transaction device authentication tag using a corresponding RF transaction device encryption key, the corresponding RF transaction device encryption key corresponding to a RF transaction device encryption key referenced to a RF
transaction device;
6d verifying the RF transaction device counter value; and processing a transaction request wherein the RF transaction device authentication tag and the RF transaction device counter is verified, the RF transaction device authentication tag being produced using the RF transaction device encryption key, a random number, the RF transaction device counter value and the transaction account number, where the RF transaction device encryption key, the RF
transaction device counter value, and the transaction account number are provided by a RF transaction device, and wherein the random number is provided by a RF reader.
11. A method of clause 10 comprising receiving a converted RF
transaction device authentication tag, converted RF transaction device counter value, converted random number, and converted transaction number, where the conversion is done in accordance with a merchant POS recognized format.
transaction device authentication tag, converted RF transaction device counter value, converted random number, and converted transaction number, where the conversion is done in accordance with a merchant POS recognized format.
12. A method of clause 11 where counter value is verified by comparing counter value to an expected counter value.
13. A method of clause 12, where the transaction account number, transaction account expiration date, RF transaction device encryption key, and RF transaction device counter for providing counter value are included on the RF transaction device when the RF transaction device is manufactured.
14. A method of clause 12, where counter value is a value incremented by a random amount from a counter beginning value.
15. A method of clause 12, where counter value is a value incremented by a predetermined amount from a counter beginning value.
6e
6e
16. A method for facilitating securing a radio frequency (RF) transaction comprising:
receiving a RF reader authentication tag, a transaction account number, and a merchant POS encryption key;
verifying the RF reader authentication tag using the merchant POS encryption key; and processing a transaction request where the RF reader authentication tag is verified, the RF reader authentication tag being produced using a RF transaction device counter value, a RF reader encryption key, and transaction account number, where the RF
transaction device counter value and the transaction account number is provided by a RF transaction device, and the RF reader encryption key is provided by a RF reader.
receiving a RF reader authentication tag, a transaction account number, and a merchant POS encryption key;
verifying the RF reader authentication tag using the merchant POS encryption key; and processing a transaction request where the RF reader authentication tag is verified, the RF reader authentication tag being produced using a RF transaction device counter value, a RF reader encryption key, and transaction account number, where the RF
transaction device counter value and the transaction account number is provided by a RF transaction device, and the RF reader encryption key is provided by a RF reader.
17. A method of clause 16 comprising verifying the RF reader authentication tag using the merchant POS encryption key, the merchant POS encryption key being provided by a merchant POS.
18. A method of clause 17, where the transaction account number and a RF transaction device counter for providing counter value are included on the RF transaction device when the RF transaction device is manufactured.
19. A method of clause 17, where counter value is a value incremented by a random amount from a counter beginning value.
20. A method of clause 17, where counter value is a value incremented by a predetermined amount from a counter beginning value.
21. A system configured to facilitate securing a RF transaction comprising:
a. RF transaction device, said RF transaction device including:
6f i. a RF transaction device database configured to store transaction account number, transaction account expiration date, RF
transaction device encryption key;
ii. a RF transaction device counter, said counter having a counter value;
iii. a RF transaction device processor configured to increment said counter value; and iv. a RF transponder configured to transmit said transaction account number, transaction account expiration date, RF transaction device encryption key and counter value;
b. a RFID reader in RF communication with said RF transaction device configured to receive said transaction account number, transaction account expiration date, RF transaction device encryption key, and said counter value, said RFID reader including a random number generator for generating a random number, said RFID
reader configured to provide said random number to said RF
transaction device;
c. a merchant point of sale (POS) in communication with said RFID reader, said merchant POS including a merchant POS
identifier, i. said RF transaction device configured to receive said random number and produce a RF transaction device authentication tag using the RF transaction device encryption key, said random number, said counter value and said RF transaction device encryption key, said RF transaction device configured to provide said RF transaction device authentication tag, RF transaction device encryption key, said random number, said counter value and said RF
transaction device encryption key to said RFID reader, said RFID
reader configured to produce a RFID reader authentication tag using said RF transaction device authentication tag, said random number, said counter value and said transaction account number, said RFID
reader configured to convert said RF transaction device authentication tag, RF transaction device encryption key, said 6g random number, said counter value and said transaction account number to a merchant POS recognizable format; and d. an issuer system in communication with said merchant POS, said issuer system configured to locate a RFID reader encryption key using said merchant POS identifier, rehash from said RFID reader authentication tag, the transaction account number, counter value, random number, and said RF transaction device authentication tag using said RFID reader encryption key, verify said RF transaction device authentication tag using a corresponding RF transaction device encryption key, and verify said counter value, and to process a transaction request where said RFID reader authentication tag, said RF transaction device authentication tag, and said counter value are verified.
a. RF transaction device, said RF transaction device including:
6f i. a RF transaction device database configured to store transaction account number, transaction account expiration date, RF
transaction device encryption key;
ii. a RF transaction device counter, said counter having a counter value;
iii. a RF transaction device processor configured to increment said counter value; and iv. a RF transponder configured to transmit said transaction account number, transaction account expiration date, RF transaction device encryption key and counter value;
b. a RFID reader in RF communication with said RF transaction device configured to receive said transaction account number, transaction account expiration date, RF transaction device encryption key, and said counter value, said RFID reader including a random number generator for generating a random number, said RFID
reader configured to provide said random number to said RF
transaction device;
c. a merchant point of sale (POS) in communication with said RFID reader, said merchant POS including a merchant POS
identifier, i. said RF transaction device configured to receive said random number and produce a RF transaction device authentication tag using the RF transaction device encryption key, said random number, said counter value and said RF transaction device encryption key, said RF transaction device configured to provide said RF transaction device authentication tag, RF transaction device encryption key, said random number, said counter value and said RF
transaction device encryption key to said RFID reader, said RFID
reader configured to produce a RFID reader authentication tag using said RF transaction device authentication tag, said random number, said counter value and said transaction account number, said RFID
reader configured to convert said RF transaction device authentication tag, RF transaction device encryption key, said 6g random number, said counter value and said transaction account number to a merchant POS recognizable format; and d. an issuer system in communication with said merchant POS, said issuer system configured to locate a RFID reader encryption key using said merchant POS identifier, rehash from said RFID reader authentication tag, the transaction account number, counter value, random number, and said RF transaction device authentication tag using said RFID reader encryption key, verify said RF transaction device authentication tag using a corresponding RF transaction device encryption key, and verify said counter value, and to process a transaction request where said RFID reader authentication tag, said RF transaction device authentication tag, and said counter value are verified.
22. A system configured to facilitate securing a RF transaction comprising:
a. a RF transaction device, said RF transaction device including:
i. a RF transaction device database configured to store transaction account number, transaction account expiration date, RF
transaction device encryption key;
ii. a RF transaction device counter, said counter having a counter value;
iii. a RF transaction device processor configured to increment said counter value; and iv. a RF transponder configured to transmit said transaction account number, transaction account expiration date, RF transaction device encryption key and counter value;
b. a RFID reader in RF communication with said RF transaction device configured to receive said transaction account number, transaction account expiration date, RF transaction device encryption key, and said counter value, said RFID reader including a random number generator for generating a random number, said RFID reader 6h configured to provide said random number to said RF transaction device;
c. a merchant point of sale (POS) in communication with said RFID reader, said merchant POS including a merchant POS
identifier, said RF transaction device configured to receive said random number and produce a RF transaction device authentication tag using the RF transaction device encryption key, said random number, said counter value and said RF transaction device encryption key, said RF transaction device configured to provide said RF transaction device authentication tag, RF transaction device encryption key, said random number, said counter value and said RF
transaction device encryption key to said RFID reader, said RFID
reader configured to convert said RF transaction device authentication tag, RF transaction device encryption key, said random number, said counter value and said transaction account number to a merchant POS recognizable format; and d. an issuer system in communication with said merchant POS, said issuer system configured verify said RF transaction device authentication tag using a using a corresponding RF transaction device encryption key, and verify said counter value, and process a transaction request where said RF transaction device authentication tag and said counter value are verified.
a. a RF transaction device, said RF transaction device including:
i. a RF transaction device database configured to store transaction account number, transaction account expiration date, RF
transaction device encryption key;
ii. a RF transaction device counter, said counter having a counter value;
iii. a RF transaction device processor configured to increment said counter value; and iv. a RF transponder configured to transmit said transaction account number, transaction account expiration date, RF transaction device encryption key and counter value;
b. a RFID reader in RF communication with said RF transaction device configured to receive said transaction account number, transaction account expiration date, RF transaction device encryption key, and said counter value, said RFID reader including a random number generator for generating a random number, said RFID reader 6h configured to provide said random number to said RF transaction device;
c. a merchant point of sale (POS) in communication with said RFID reader, said merchant POS including a merchant POS
identifier, said RF transaction device configured to receive said random number and produce a RF transaction device authentication tag using the RF transaction device encryption key, said random number, said counter value and said RF transaction device encryption key, said RF transaction device configured to provide said RF transaction device authentication tag, RF transaction device encryption key, said random number, said counter value and said RF
transaction device encryption key to said RFID reader, said RFID
reader configured to convert said RF transaction device authentication tag, RF transaction device encryption key, said random number, said counter value and said transaction account number to a merchant POS recognizable format; and d. an issuer system in communication with said merchant POS, said issuer system configured verify said RF transaction device authentication tag using a using a corresponding RF transaction device encryption key, and verify said counter value, and process a transaction request where said RF transaction device authentication tag and said counter value are verified.
23. A system configured to facilitate securing a RF transaction comprising:
a. a RF transaction device, said RF transaction device including:
i. a RF transaction device database configured to store transaction account number, and a transaction account expiration date;
ii. a RF transaction device counter, said counter having a counter value;
6i iii. a RF transaction device processor configured to increment said counter value; and iv. a RF transponder configured to transmit said transaction account number, transaction account expiration date, and counter value;
b. a RFID reader in RF communication with said RF transaction device configured to receive said transaction account number, transaction account expiration date, and said counter value;
c. a merchant point of sale (POS) in communication with said RFID reader, said merchant POS including a merchant POS
encryption key, said RF transaction device configured to receive said random number and said RF transaction device configured to provide said RF transaction device authentication tag, RF transaction device encryption key, said random number, said counter value to said RFID
reader, said RFID reader configured to produce a RFID reader authentication tag using a RFID reader encryption key, said RFID
reader configured to convert, RFID authentication tag, said random number, said counter value and said transaction account number to a merchant POS recognizable format; and d. an issuer system in communication with said merchant POS, said issuer system configured to locate a RFID reader encryption key using said merchant POS encryption key, verify said RFID reader authentication tag using said merchant POS encryption key, and verify said counter value, and to process a transaction request where said RFID reader authentication tag and said counter are verified.
a. a RF transaction device, said RF transaction device including:
i. a RF transaction device database configured to store transaction account number, and a transaction account expiration date;
ii. a RF transaction device counter, said counter having a counter value;
6i iii. a RF transaction device processor configured to increment said counter value; and iv. a RF transponder configured to transmit said transaction account number, transaction account expiration date, and counter value;
b. a RFID reader in RF communication with said RF transaction device configured to receive said transaction account number, transaction account expiration date, and said counter value;
c. a merchant point of sale (POS) in communication with said RFID reader, said merchant POS including a merchant POS
encryption key, said RF transaction device configured to receive said random number and said RF transaction device configured to provide said RF transaction device authentication tag, RF transaction device encryption key, said random number, said counter value to said RFID
reader, said RFID reader configured to produce a RFID reader authentication tag using a RFID reader encryption key, said RFID
reader configured to convert, RFID authentication tag, said random number, said counter value and said transaction account number to a merchant POS recognizable format; and d. an issuer system in communication with said merchant POS, said issuer system configured to locate a RFID reader encryption key using said merchant POS encryption key, verify said RFID reader authentication tag using said merchant POS encryption key, and verify said counter value, and to process a transaction request where said RFID reader authentication tag and said counter are verified.
24. A
computer-readable storage medium containing a set of instructions for a general purpose computer configured for:
receiving a RF reader authentication tag, a transaction account number, a RF transaction device authentication tag, and a RF
transaction device counter value;
=
6j verifying the RF reader authentication tag, RF transaction device authentication tag, and RF transaction device counter value;
and processing a transaction request where the RF transaction device authentication tag, RF reader authentication tag, and RF
transaction device counter value are verified, the RF transaction device authentication tag being produced using a RF transaction device encryption key, the RF transaction device counter value, the transaction account number, and a random number, where the RF
transaction device encryption key, the RF transaction device counter value, and the transaction account number are provided by a RF
transaction device and the random number is provided by a RF
reader, and wherein the RF reader authentication tag is produced using the RF transaction device authentication tag, the RF transaction device counter value, the random number, and transaction account number.
computer-readable storage medium containing a set of instructions for a general purpose computer configured for:
receiving a RF reader authentication tag, a transaction account number, a RF transaction device authentication tag, and a RF
transaction device counter value;
=
6j verifying the RF reader authentication tag, RF transaction device authentication tag, and RF transaction device counter value;
and processing a transaction request where the RF transaction device authentication tag, RF reader authentication tag, and RF
transaction device counter value are verified, the RF transaction device authentication tag being produced using a RF transaction device encryption key, the RF transaction device counter value, the transaction account number, and a random number, where the RF
transaction device encryption key, the RF transaction device counter value, and the transaction account number are provided by a RF
transaction device and the random number is provided by a RF
reader, and wherein the RF reader authentication tag is produced using the RF transaction device authentication tag, the RF transaction device counter value, the random number, and transaction account number.
25. A
computer-readable storage medium containing a set of instructions for a general purpose computer configured for:
receiving a RF transaction device authentication tag, a transaction account number, a transaction account expiration date, and a RF transaction device counter value, verifying the RF transaction device authentication tag using a corresponding RF transaction device encryption key, the corresponding RF transaction device encryption key corresponding to a RF transaction device encryption key referenced to a RF
transaction device;
verifying the RF transaction device counter value; and processing a transaction request where the RF transaction device authentication tag and the RF transaction device counter is verified, the RF transaction device authentication tag being produced using the RF transaction device encryption key, a random number, the RF transaction device counter value and the transaction account =
6k number, where the RF transaction device encryption key, the RF
transaction device counter value, and the transaction account number are provided by a RF transaction device, wherein the random number is provided by a RF reader.
computer-readable storage medium containing a set of instructions for a general purpose computer configured for:
receiving a RF transaction device authentication tag, a transaction account number, a transaction account expiration date, and a RF transaction device counter value, verifying the RF transaction device authentication tag using a corresponding RF transaction device encryption key, the corresponding RF transaction device encryption key corresponding to a RF transaction device encryption key referenced to a RF
transaction device;
verifying the RF transaction device counter value; and processing a transaction request where the RF transaction device authentication tag and the RF transaction device counter is verified, the RF transaction device authentication tag being produced using the RF transaction device encryption key, a random number, the RF transaction device counter value and the transaction account =
6k number, where the RF transaction device encryption key, the RF
transaction device counter value, and the transaction account number are provided by a RF transaction device, wherein the random number is provided by a RF reader.
26. A computer-readable storage medium containing a set of instructions for a general purpose computer configured for:
receiving a RF reader authentication tag, a transaction account number, and a merchant POS encryption key;
verifying the RF reader authentication tag using the merchant POS encryption key; and processing a transaction request where the RF reader authentication tag is verified, the RF reader authentication tag being produced using a RF transaction device counter value, a RF reader encryption key, and transaction account number, where the RF
transaction device counter value and the transaction account number is provided by a RF transaction device, and wherein the RF reader encryption key is provided by a RF reader.
[Para 13] These features and other advantages of the system and method, as well as the structure and operation of various exemplary embodiments of the system and method, are described below.
'BRIEF DESCRIPTION OF TH'E DRAWINGS
[Para 14]
The accompanying drawings, wherein like numerals depict like elements, illustrate exemplary embodiments of the present invention, and together with the description, serve to explain the principles of the invention. In the drawings:
[Para 15] Figure 1 illustrates an exemplary RFID-based system depicting exemplary components for use in RFD transaction completion in accordance with the present invention;
[Para 16] Figure 2 illustrates an exemplary method for securing a RFID
transaction using a counter-generated indicia in accordance with the present invention;
[Para 17] Figure 3 depicts a flow diagram of an exemplary RFID transaction device and RFID reader authentication flow chart useful with this invention;
[Para 18] Figure 4.depicts a flow diagram of an exemplary RFID transaction device authentication flow diagram useful with this invention; and [Para 19] Figure 5 depicts a flow diagram of an exemplary RFID reader authentication flow diagram useful with this. invention.
DETAILED DESCRIPTION
[Para 20]
The present invention may be described herein in terms of functional block components, screen shots, optional selections and varibus processing steps. Such functional blocks may be realized by any number of hardware and/or software components configured to perform to specified functions. For example, the present invention may employ various integrated circuit components (e.g., memory elements, processing elements, logic elements, look-up tables, and the like), which may carry out a variety of functions under the control of one or more microprocessors or other control devices. Similarly, the software elements of the present invention may be implemented with any programming or scripting language such as C, C++, Java, COBOL, assembler, PERL, extensible markup language (XML), JavaCard and MULTOS with the various algorithms being implemented with any combination of data structures, objects, processes, routines or other programming elements. Further, it should be noted that the present invention may employ any number of conventional techniques for data transmission, signaling, data processing, network control, and the like_ For a basic introduction on cryptography, review a text written by Bruce Schneier entitled "Applied Cryptography: Protocols, Algorithms, and Source Code in C,"
published by John Wiley & Sons (second edition, 1996), [Para 21] In addition, many applications of the present invention could be formulated. The exemplary network disclosed herein may include any system for exchanging data or transacting business, such as the Internet, an intranet, an .extranet, WAN, LAN, satellite Communications, and/or the like. It is noted that the network may be implemented as other types.otnetworks, such as an interactive television network (ITN).
[Para 22]
Further still, the terms "Internet" or "network" may refer to the Internet, any replacement, competitor or successor to the Internet, or any public or private inter-network, intranet or extranet that is based upon open or proprietary protocols. Specific information related to the protocols, standards, and application software utilized in connection with the Internet may not be discussed herein. For further information regarding such details, see, for example, Dilip Naik, Internet Standards and Protocols (1998); Java 2 Complete, various authors, (Sybex 1999); Deborah Ray and Eric Ray, Mastering HTML 4.0 (1997); Loshin, TCP/IP Clearly Explained (1997).
[Para 23] By communicating, a signal may travel to/from one component to another_ The components may be directly connected to each other.or may be connected through one or more other devices or components.
The various coupling components for the devices can include but are not limited to the Internet, a wireless network, a conventional wire cable, an optical cable or connection through air, water, or any other medium that conducts signals, and any other coupling device or medium.
[Para 24]
Where required, the system user may interact with the'system via any input device such as, a keypad, keyboard, mouse, kiosk, personal digital assistant, handheld computer (e.g., Palm Pilot , Blueberry ), cellular phone and/or the like). Similarly, the invention could be used in conjunction with any type of personal computer, network computer, work station, minicomputer, mainframe, or the like running any operating system such as any version of Windows, Windows NT;
Windows 2000, Windows 98, Windows 95, MacOS, OS/2, Be0S, Linux, UNIX, Solaris or the like. Moreover, although the invention may frequently be described as being implemented with TCP/IP
communications protocol, it should be understood that the invention could also be implemented using SNA, IPX, Appletalk, IPte, NetBIOS, OSI or any number of communications protocols. Moreover, the system contemplates the use, sale, or distribution of any goods, services or information over any network having similar functionality described herein.
[Para 25] A variety of conventional communications media and protocols may be used for data links providing physical connections between the various system Components_ For example, the data links may be an Internet Service Provider (ISP) configured to facilitate communications over a local loop as is typically used in connection with standard modem communication, cable modem, dish networks, ISDN, Digital Subscriber Lines (DSL), or any wireless communication media. In addition, the merchant system including the POS device 106 and host network 108 may reside on a local area network which interfaces to a remote.network (not shown) for remote authorization of an intended -transaction. POS 106 may communicate with the remote network via a leased line, such as all, D3 line, or the like. Such communications lines are described in a variety of texts, such as, "Understanding Data Communications," by Gilbert Held.
[Para 261 A transaction device identifier, as used herein, may include any identifier for a transaction device which may be correlated to a user transaction account (e.g., credit, charge debit, checking, savings, reward, loyalty, or the like) maintained by a transaction account provider (e.g., payment authorization center). A typical transaction account identifier (e.g, account number) may be correlated to a credit or debit account, loyalty account, or rewards account maintained and serviced by such entities as American Express, Visa and/or MasterCard, or the like.
[Para 271 To facilitate understanding, the present invention may be described with respect to a credit account. However, it should be noted that the invention is not so limited and other accounts permitting an exchange of goods and services for an account data value is contemplated to be within the scope of the present invention.
[Para 281 A transaction device identifier may be, for example, a sixteen-digit credit card number, although each credit provider has its own numbering system, such as the fifteen-digit numbering system used by American Express. Each company's credit card numbers comply with that company's standardized format such that the company using a sixteen-digit format will generally' use four spaced sets of numbers, as represented by the number "0000 0000 0000 0000". In a typical example, the first five to seven digits are reserved for processing purposes and identify the issuing bank, card type and, etc. In this example, the last sixteenth digit is used as a sum check for the sixteen-digit number. The intermediary eight-to-ten digits are used to uniquely identify the customer. The account number stored as Track 1 and Track 2 data as defined in ISO/IEC 7813, and further may be made unique to RFID transaction device.
[Para 29] In one exemplary embodiment, transaction device identifier may include a unique RFID transaction device serial number and user identification number, as well as specific application applets.
Transaction device identifier may be stored on a transaction device database located on transaction device. Transaction device database may be configured to store multiple account numbers issued to RFID
transaction device user by the same or different account providing institutions. In addition, where the device identifier corresponds to a loyalty or rewards account, RFID transaction device database may be configured to store the attendant loyalty or rewards points data.
[Para 30] The merchant database locations maintained on database 116 by server 110 are provided a distinct merchant identifier. Database discussed herein may be a graphical, hierarchical, relational, object-oriented or other database, and may be maintained on a local drive of a server or on a separate computer coupled to the server via a local area or other network (not shown). In one embodiment, databases disclosed are a collection of ASCII or other text files stored on a local drive of server. Database. information is suitably retrieved from the database and provided to transaction processing systems upon request via a server application, as described more fully below.
[Para 311 In addition to the above, transaction device identifier may be associated with any secondary form of identification configured to allow the consumer to interact or communicate with a payment system. For example, transaction device identifier may be associated with, for example, an authorization/access code, personal identification number (PIN), Internet code, digital certificate, biometric data, and/or other secondary identification data used to verify a transaction device user identity.
[Para 32] It should be further noted that conventional components of RFID
transaction devices may not be discussed herein for brevity. For instance, one skilled in the art will appreciate that RFID transaction device and RFID reader disclosed herein include traditional transponders, antennas, protocol sequence controllers, modulators/demodulators and the like, necessary for proper RFID
data transmission. As such, those components are contemplated to be included in the scope of the invention.
[Para 33] It should be noted that the transfer of information in accordance with this invention, may be done in a format recognizable by a merchant system or account issuer. In that regard, by way of example, the information may be transmitted in magnetic stripe or multi-track magnetic stripe format. Because of the proliferation of devices using . magnetic stripe format, the standards for coding information in magnetic stripe format were standardized by the international Standards Organization (ISO)..
[Para 34] Typically, magnetic stripe information is formatted in three tracks.
Certain industry information must be maintained on certain portion of the tracks, while other portions of the tracks may have open data fields. The contents of each track and the formatting of the information provided to each track is controlled by ISO standard ISO/IEC 7811.
For example, the information must typically be encoded in binary.
Track 1 is usually encoded with user information (name) in alphanumeric format. Track 2 is typically comprised of discretionary and non-discretionary data fields. In one example, the non-discretionary field may comprise 19 characters and the discretionary field may comprise 13 characters. Track 3 is typically reserved for financial transactions and includes enciphered versions of the user's persona( identification number, country code, currently units amount authorized per cycle, subsidiary accounts, and restrictions.
[Para 35] As such, where information is provided in accordance with this invention, it may be provided in magnetic stripe format track. For example, counter values, authentication tags and encrypted identifiers, described herein, may be forwarded encoded in all or a portion of a data stream representing data encoded in, for example, track 2 or track 3 format.
[Para 36]
Further still, various components may be described herein in terms of their "validity." In this context, a "valid" component is one which is authorized for use in completing a transaction request in accordance with the present invention. Contrarily, an "invalid" component is one which is not authorized for transaction completion. In addition, an invalid component may be one which is not recognized as being permitted for use on the secure RF system described herein.
[Para 37] Figure 1 illustrates an exemplary secure RFID transaction system 100 in accordance with the present invention, wherein exemplary components for use in completing a RF transaction are depicted. In general, system 100 may include a RFID transaction device 102 in RF
communication with a RFID reader 104 for transmitting data there between. RFID reader 104 may be in further communication with a merchant point-of-sale (POS) device 106 for providing to POS 106 data received from RFID transaction device 102. POS 106 may be in further communication with an acquirer 110 or an account issuer 112 via host network 108 for transmitting a transaction request, including information received from RFID reader 104, and receiving authorization concerning traWsabtion completion.
[Para 381 Although the point-of-interaction device (POS) is described herein with respect to a merchant point-of-sale (POS) device, the invention is not to be so limited. Indeed, a merchant POS device is used herein by Way of example, and the point-of-interaction device may be any device capable of receiving transaction device account data. In this regard, the POS may be any point-of-interaction device enabling the user to complete a transaction using a transaction device 102. POS
device 106 may receive RFID transaction device 102 information and provide the information to host network 108 for processing.
[Para 39] As used herein, an "acquirer" may be a third-party entity including various databases and processors for facilitating the routing of the transaction request to an appropriate account issuer 112. Acquirer 110 may route the request to account issuer in accordance with a routing number provided by RFID transaction device 102. The "routing number" in this context may be a unique network address or any similar device for locating an account issuer 112 on host network 108.
Traditional means of routing the payment request in accordance with the routing number are well understood. As such, the process for using a routing number to provide the payment request will not be discussed herein for brevity.
[Para 401 Additionally, account issuer 112 ("account provider" or "issuer system") may be any entity which provides a transaction account for facilitating completion of a transaction request. The transaction account may be any credit, debit, loyalty, direct debit, checking, or savings, or the like. The term "issuer" or "account provider" may refer to any entity facilitating payment of a transaction using a transaction device, and which includes systems permitting payment using at least one of a preloaded and non-preloaded transaation device. Typical issuers may be American Express, MasterCard, Visa, Discover, and the like. In the preloaded value processing context, an exchange value (e.g, money, rewards points, barter points, etc.) may be stored in a preloaded value database (not shown) for use in completing a requested transaction. The preloaded value database and thus the exchange value may not be stored on transaction device itself, but may be stored remotely, such as, for example, at account issuer 112 location. Further, the preloaded value database may be debited the amount of the transaction requiring the value to be replenished. The preloaded value may be any conventional value (e.g., monetary, rewards points, barter points, etc.) which may be exchanged for goods or services. In that regard, the preloaded value may have any configuration as determined by issuer system 112.
[Para 41] In general, during operation of secure system 100, RFID reader 104 may provide an interrogation signal to transaction device 102 for powering device 102 and receiving transaction device related data.
The interrogation signal may be received at a transaction device antenna 120 and may be further provided to a transponder (not shown). In response, a transaction device processor 114 may retrieve a transaction device identifier from a transaction device database 116 for providing to RFID reader 104 to complete a transaction request.
Typically, transaction device identifier may be encrypted prior to providing the device identifier to a modulator/demodulator (not shown) for providing the identifier to RFID reader 104.
[Para 42]
It should be noted that RHO reader 104 and RFID transaction _device 102 may engage in mutual authentication prior to transferring any transaction device 102 data to RFID reader 104. For a detailed explanation of a suitable mutual authentication process for use with the invention, please refer to commonly owned U.S. Patent Application No. 10/340,352, entitled "SYSTEM AND METHOD FOR
INCENTING PAYMENT USING RADIO FREQUENCY
IDENTIFICATION IN CONTACT AND CONTACTLESS
TRANSACTIONS," filed January 10, 2003.
[Para 43] In accordance with one embodiment of the present invention, a RF
transaction using a RFID transaction device is secured by limiting the number of transactions which may be performed with a particular transaction device. Once the maximum transactions value is reached, transaction device may automatically disable itself against further usage. Alternatively, account issuer 112 may flag the transaction account correlating to transaction device such that account issuer system automatically prevents completion of transactions using transaction device.
[Para 44] As such, RFID transaction device 102 in accordance with the present invention further includes a counter 118 for recording and reporting the number of transactions performed with a particular transaction device 102. Counter 118 may be any device capable of being initiated with a beginning value and incrementing that value by a predetermined amount when transaction device 102 is presented for completion, of a transaction. Counter 118 may be a discrete electronic device on the transponder, or may be software or code based counter as is found in the art.
[Para 45] The initial counter value may be any value from which other similar values may be measured. The value may take any form, such as, alpha, numeric, a formation of symbols, or any combination thereof.
[Para 46] To facilitate understanding, the following description discusses all values to be in numeric units (0, 1, 2, 3...n). Thus, counter values, the value amount to be incremented, the total transactions counted value, and the maximum transactions value, are all whole numbers.
[Para 47] It should be noted that account issuer 112 may preset the initial counter value at any initial value as desired. Account issuer 112 may also predetermine the value amount to be incremented by counter 118 when transaction device is used to complete a transaction.
Further, account issuer 112 may assign different values to be incremented for each distinct transaction device 102. Further still, account issuer 112 may determine the maximum transactions value, which may be particular to each individual transaction device 102 issued by account issuer 112. Where counter 118 value equals a maximum transactions value, the system 100 prevents the usage of transaction device 102 to complete additional transactions. Account issuer 112 may prevent the usage of transaction device 102 where account issuer flags the transaction account corresponding to transaction device 102, thereby preventing authorization for using the account to complete transactions. Alternatively, transaction device 102 may self-disable. For example, counter 118 value may trigger transaction device processor 114 to provide a signal for preventing the transfer of transaction device 102 identifier.
[Para 48] For example, account issuer 112 may preset the initial counter value at 5 units and counter value to be incremented at 10 units per transaction. Account issuer 112 may determine that transaction device 102 may be used to complete a total transaction value of 20 transactions. Since counter 118 increments counter value by the value to be incremented (e.g., 10 units) for each transaction, then for a total of 20 transactions permitted, the maximum transactions value will be 205 units. Once counter value equals 205 units, then the operation of transaction device 102 may be disabled.
[Para 49] The operation of the exemplary embodiment described above, may be understood with reference to Figure 1 and to the method of securing a RFID transaction described in Figure 2. The operation may begin when RFID transaction device 102 is presented for completion of a transaction. Transaction device 102 may be placed in an interrogation field generated by RFID reader 104 (step 202). RFID reader 104 may interrogate RFID transaction device 102 enabling transaction device 102 operation. In response, RFID transaction device 102 may retrieve transaction device 102 identifier, account issuer 112 routing number and encrypted transaction device identifier from database 116 for providing to RFID reader 104 (step 204).
[Para 50]
Once RFID transaction device 102 detects the interrogation signal provided by RFID reader 104, counter 118 may increment its counter value (step 206). Counter 118 value may be incremented by an amount predetermined by account issuer 112 (e.g., value amount to be incremented). The resulting counter 118 value after incrementing is the total transactions counted value.
[Para 51] Upon determining the total transactions counted value, RFID
transaction device 102 may provide the total transactions counted value, the encrypted transaction device 102 identifier, and account issuer 112 routing number to RFID reader 104 via RF transmission (step 208). RFID reader 104 may, in turn, convert transaction device 102 identifier, routing number, and total transactions counted value into merchant POS recognizable format and forward the converted information to merchant POS 106 (step 210). A merchant system, including POS 106, may then provide a transaction request to acquirer 110 via network 106. The transaction request may include the information received from transaction device 102 along with information (e.g., amount, number of product, product/service identifier) concerning the transaction requested to be completed (step 216). The transaction request may include information relative to RFID
reader 104.
'Para 52]
= Acquirer 110 may receive the transaction request and forward the transaction request to the appropriate account issuer 112 in accordance with the routing number provided (step 218). Account issuer 112 may then identify that a transaction request is being provided that relates to a transaction device. For example, merchant POS 106 may provide a code appended to the transaction request specially configured for identifying a transaction device transaction which may be recognized by account issuer 112. Alternatively, transaction device identifier, or a portion thereof, may be identified by account issuer 112 as originating with a RFID transaction device 102.
[Para 53] In one exemplary embodiment, account issuer 112 receives the transaction device 102 identifier and checks to see if the transaction device identifier corresponds to a valid transaction account maintained on account issuer 112 system (step 220). For example, account issuer 112 may receive the encrypted transaction device identifier and locate the corresponding decryption key relating to the transaction account. If the encrypted identifier is invalid, such as, for example, when account issuer 112 is unable to locate the corresponding decryption key, account issuer 112 may provide a "Transaction Invalid" message to POS 106 (step 228). Transaction device 102 user may then be permitted to provide an alternate means of satisfying the transaction, or the transaction is ended (step 230).
[Para 54] If the RF1D transaction device 102 encrypted identifier corresponding decryption key is located, the encrypted identifier is considered "valid"
and account issuer 112 may then use the corresponding decryption key to "unlock" or locate transaction device account correlative to transaction device 102. Account provider 112 may then retrieve all information relating to the usage limits which have been predetermined by account issuer 112. Account issuer 112 may be able to determine if a particular transaction device 102 has reached its limit of available transactions.
=
[Para 55] For example, account issuer 112 may check to see if the total transactions counted value equals or exceeds the maximum transactions allowed (step 224). if the maximum transactions allowed have been reached then counter value is met or exceeded, and the transaction is considered "invalid." As such, account issuer 112 may then provide a "Transaction Invalid" message to POS 106 (step 228).
In addition, account issuer 112 may determine whether the total transactions counted value is the next expected value. If not, then the transaction is considered "invalid" and account issuer 112 may also provide a "Transaction Invalid" message to POS 106 (step 228). The transaction device 102 user may then be permitted to provide alternate means of completing the transaction (step 226) or the transaction is ended.
[Para 56] Alternatively, where the total transactions counted value does not exceed or rneet the maximum transactions allowed value, counter value is considered valid and a "Transaction Valid" message is sent to merchant POS 106 (step 230). The merchant system may then complete the transaction under business as usual standards as are employed by the merchant.
[Para 57]
In accordance with the various embodiments described, the present invention addresses the problem of securing a RF transaction completed by a RFID transaction device. The invention provides a system and method for an account issuer to determine if RFID
transaction device is a valid device for completing a transaction on a =
RE transaction system. Account issuer can determine whether transaction device is valid by verifying transaction device counter, and encryption identifier. It should be noted, however, that the present invention contemplates various arrangements wherein RFID reader may also be validated.
[Para 58] Figure 3 illustrates another method 300 for usage of RFID
transaction device counter 118 value for securing a RF transaction. In accordance with the method depicted, RFID reader 104 includes a random number generator 120, for producing a random number to be used in secure transactions. Random number generator 120 may be any conventional random number generator as is found in the art.
[Para 59] Method 300 may begin when a user presents RFID transaction device 102 for transaction completion (step 302). The user may, for example, place RFID transaction device 102 into the interrogation zone provided by RFID reader 104. The interrogation zone may be the area or zone defined by the interrogation signal cast by RFID reader 104.
[Para 60] Upon presentment of transaction device 102, RFID reader 104 may provide the random number to RFID transaction device 102 (step 304). RFID transaction device 102 may receive the random number and use it to create a RFID transaction device authentication tag (step 306). RFD transaction device 102 may receive the random number and use the random number, counter value, transaction account number and RFID transaction device encryption key to create a RFID
transaction device authentication tag.
[Para 61] RFID transaction device 102 may provide RFID transaction device authentication tag to RFID reader 104. RFID transaction device 102 may also provide in-the-clear data, counter value, random number to RFID reader 104, along with RFID transaction device authentication tag (step 308). RFID transaction device processor 114 may increment counter 118 using any of the incrementing methods discussed above (step 310).
[Para 62] RFID reader 104 may receive the data provided by RFID transponder 102, and use the data to create a RFID reader authentication key using a RFID reader encryption key (step 312). RFID reader 104 may use the transaction data and RFID reader 104 encryption key to encrypt the authentication tag created by the RF transaction device using common techniques such as DES and Triple DES and pass the modified authentication tag together with the in-the-clear data, random number, counter value, modified RFID transaction device authentication tag, and RFID reader authentication tag into a format readable by POS 106 (step 314) and provide the converted data to POS 106 (step 316).
[Para 63]
In an alternate embodiment, RFID reader 104 may receive the data provided by RFID transaction device 102, and use the data to create a RFID reader authentication key using a RFID reader encryption key (step 312). The reader authentication key is a digital signature created using the reader encryption key, RFN D transaction device transaction =data, and reader random number. RFID reader 104 may then pass the transaction data provided by the RE transaction device plus the reader authentication tag to POS 106.
[Para 64] POS 106 may seek satisfaction of the transaction (step 318). For example, POS 106 may form a transaction request using the data received from RFID transaction device 102, and RF1D reader 104 encryption key and forward the transaction request to acquirer 110 who may forward the transaction request to acco unt issuer 112 using the routing number.
[Para 65] Account issuer 112 may receive the transaction request and verify that RFID reader 104 and RFID transmission device 102 are valid.
Account issuer 112 may validate RFID reader authentication tag by decrypting RFID reader authentication tag using a RFID reader encryption key stored on an account issuer database (not shown) (step 320). If the decryption is unsuccessful, then issuer system 112 may provide a "Transaction Invalid" message to POS 106 (step 322) and the transaction is terminated. Alternatively, if decryption is successful, issuer system 112 may seek to validate RFID transaction device authentication tag (step 332).
[Para 661 For example, account issuer 112 may use the RF transaction device account number to locate a RFID transaction device encryption key stored on the issuer 112 (step 324) database and use RFD
transaction device encryption key to decrypt RFID transaction device authentication tag (step 326). If decryption is unsuccessful then issuer system 112 provides a "Transaction Invalid" message to POS 106
receiving a RF reader authentication tag, a transaction account number, and a merchant POS encryption key;
verifying the RF reader authentication tag using the merchant POS encryption key; and processing a transaction request where the RF reader authentication tag is verified, the RF reader authentication tag being produced using a RF transaction device counter value, a RF reader encryption key, and transaction account number, where the RF
transaction device counter value and the transaction account number is provided by a RF transaction device, and wherein the RF reader encryption key is provided by a RF reader.
[Para 13] These features and other advantages of the system and method, as well as the structure and operation of various exemplary embodiments of the system and method, are described below.
'BRIEF DESCRIPTION OF TH'E DRAWINGS
[Para 14]
The accompanying drawings, wherein like numerals depict like elements, illustrate exemplary embodiments of the present invention, and together with the description, serve to explain the principles of the invention. In the drawings:
[Para 15] Figure 1 illustrates an exemplary RFID-based system depicting exemplary components for use in RFD transaction completion in accordance with the present invention;
[Para 16] Figure 2 illustrates an exemplary method for securing a RFID
transaction using a counter-generated indicia in accordance with the present invention;
[Para 17] Figure 3 depicts a flow diagram of an exemplary RFID transaction device and RFID reader authentication flow chart useful with this invention;
[Para 18] Figure 4.depicts a flow diagram of an exemplary RFID transaction device authentication flow diagram useful with this invention; and [Para 19] Figure 5 depicts a flow diagram of an exemplary RFID reader authentication flow diagram useful with this. invention.
DETAILED DESCRIPTION
[Para 20]
The present invention may be described herein in terms of functional block components, screen shots, optional selections and varibus processing steps. Such functional blocks may be realized by any number of hardware and/or software components configured to perform to specified functions. For example, the present invention may employ various integrated circuit components (e.g., memory elements, processing elements, logic elements, look-up tables, and the like), which may carry out a variety of functions under the control of one or more microprocessors or other control devices. Similarly, the software elements of the present invention may be implemented with any programming or scripting language such as C, C++, Java, COBOL, assembler, PERL, extensible markup language (XML), JavaCard and MULTOS with the various algorithms being implemented with any combination of data structures, objects, processes, routines or other programming elements. Further, it should be noted that the present invention may employ any number of conventional techniques for data transmission, signaling, data processing, network control, and the like_ For a basic introduction on cryptography, review a text written by Bruce Schneier entitled "Applied Cryptography: Protocols, Algorithms, and Source Code in C,"
published by John Wiley & Sons (second edition, 1996), [Para 21] In addition, many applications of the present invention could be formulated. The exemplary network disclosed herein may include any system for exchanging data or transacting business, such as the Internet, an intranet, an .extranet, WAN, LAN, satellite Communications, and/or the like. It is noted that the network may be implemented as other types.otnetworks, such as an interactive television network (ITN).
[Para 22]
Further still, the terms "Internet" or "network" may refer to the Internet, any replacement, competitor or successor to the Internet, or any public or private inter-network, intranet or extranet that is based upon open or proprietary protocols. Specific information related to the protocols, standards, and application software utilized in connection with the Internet may not be discussed herein. For further information regarding such details, see, for example, Dilip Naik, Internet Standards and Protocols (1998); Java 2 Complete, various authors, (Sybex 1999); Deborah Ray and Eric Ray, Mastering HTML 4.0 (1997); Loshin, TCP/IP Clearly Explained (1997).
[Para 23] By communicating, a signal may travel to/from one component to another_ The components may be directly connected to each other.or may be connected through one or more other devices or components.
The various coupling components for the devices can include but are not limited to the Internet, a wireless network, a conventional wire cable, an optical cable or connection through air, water, or any other medium that conducts signals, and any other coupling device or medium.
[Para 24]
Where required, the system user may interact with the'system via any input device such as, a keypad, keyboard, mouse, kiosk, personal digital assistant, handheld computer (e.g., Palm Pilot , Blueberry ), cellular phone and/or the like). Similarly, the invention could be used in conjunction with any type of personal computer, network computer, work station, minicomputer, mainframe, or the like running any operating system such as any version of Windows, Windows NT;
Windows 2000, Windows 98, Windows 95, MacOS, OS/2, Be0S, Linux, UNIX, Solaris or the like. Moreover, although the invention may frequently be described as being implemented with TCP/IP
communications protocol, it should be understood that the invention could also be implemented using SNA, IPX, Appletalk, IPte, NetBIOS, OSI or any number of communications protocols. Moreover, the system contemplates the use, sale, or distribution of any goods, services or information over any network having similar functionality described herein.
[Para 25] A variety of conventional communications media and protocols may be used for data links providing physical connections between the various system Components_ For example, the data links may be an Internet Service Provider (ISP) configured to facilitate communications over a local loop as is typically used in connection with standard modem communication, cable modem, dish networks, ISDN, Digital Subscriber Lines (DSL), or any wireless communication media. In addition, the merchant system including the POS device 106 and host network 108 may reside on a local area network which interfaces to a remote.network (not shown) for remote authorization of an intended -transaction. POS 106 may communicate with the remote network via a leased line, such as all, D3 line, or the like. Such communications lines are described in a variety of texts, such as, "Understanding Data Communications," by Gilbert Held.
[Para 261 A transaction device identifier, as used herein, may include any identifier for a transaction device which may be correlated to a user transaction account (e.g., credit, charge debit, checking, savings, reward, loyalty, or the like) maintained by a transaction account provider (e.g., payment authorization center). A typical transaction account identifier (e.g, account number) may be correlated to a credit or debit account, loyalty account, or rewards account maintained and serviced by such entities as American Express, Visa and/or MasterCard, or the like.
[Para 271 To facilitate understanding, the present invention may be described with respect to a credit account. However, it should be noted that the invention is not so limited and other accounts permitting an exchange of goods and services for an account data value is contemplated to be within the scope of the present invention.
[Para 281 A transaction device identifier may be, for example, a sixteen-digit credit card number, although each credit provider has its own numbering system, such as the fifteen-digit numbering system used by American Express. Each company's credit card numbers comply with that company's standardized format such that the company using a sixteen-digit format will generally' use four spaced sets of numbers, as represented by the number "0000 0000 0000 0000". In a typical example, the first five to seven digits are reserved for processing purposes and identify the issuing bank, card type and, etc. In this example, the last sixteenth digit is used as a sum check for the sixteen-digit number. The intermediary eight-to-ten digits are used to uniquely identify the customer. The account number stored as Track 1 and Track 2 data as defined in ISO/IEC 7813, and further may be made unique to RFID transaction device.
[Para 29] In one exemplary embodiment, transaction device identifier may include a unique RFID transaction device serial number and user identification number, as well as specific application applets.
Transaction device identifier may be stored on a transaction device database located on transaction device. Transaction device database may be configured to store multiple account numbers issued to RFID
transaction device user by the same or different account providing institutions. In addition, where the device identifier corresponds to a loyalty or rewards account, RFID transaction device database may be configured to store the attendant loyalty or rewards points data.
[Para 30] The merchant database locations maintained on database 116 by server 110 are provided a distinct merchant identifier. Database discussed herein may be a graphical, hierarchical, relational, object-oriented or other database, and may be maintained on a local drive of a server or on a separate computer coupled to the server via a local area or other network (not shown). In one embodiment, databases disclosed are a collection of ASCII or other text files stored on a local drive of server. Database. information is suitably retrieved from the database and provided to transaction processing systems upon request via a server application, as described more fully below.
[Para 311 In addition to the above, transaction device identifier may be associated with any secondary form of identification configured to allow the consumer to interact or communicate with a payment system. For example, transaction device identifier may be associated with, for example, an authorization/access code, personal identification number (PIN), Internet code, digital certificate, biometric data, and/or other secondary identification data used to verify a transaction device user identity.
[Para 32] It should be further noted that conventional components of RFID
transaction devices may not be discussed herein for brevity. For instance, one skilled in the art will appreciate that RFID transaction device and RFID reader disclosed herein include traditional transponders, antennas, protocol sequence controllers, modulators/demodulators and the like, necessary for proper RFID
data transmission. As such, those components are contemplated to be included in the scope of the invention.
[Para 33] It should be noted that the transfer of information in accordance with this invention, may be done in a format recognizable by a merchant system or account issuer. In that regard, by way of example, the information may be transmitted in magnetic stripe or multi-track magnetic stripe format. Because of the proliferation of devices using . magnetic stripe format, the standards for coding information in magnetic stripe format were standardized by the international Standards Organization (ISO)..
[Para 34] Typically, magnetic stripe information is formatted in three tracks.
Certain industry information must be maintained on certain portion of the tracks, while other portions of the tracks may have open data fields. The contents of each track and the formatting of the information provided to each track is controlled by ISO standard ISO/IEC 7811.
For example, the information must typically be encoded in binary.
Track 1 is usually encoded with user information (name) in alphanumeric format. Track 2 is typically comprised of discretionary and non-discretionary data fields. In one example, the non-discretionary field may comprise 19 characters and the discretionary field may comprise 13 characters. Track 3 is typically reserved for financial transactions and includes enciphered versions of the user's persona( identification number, country code, currently units amount authorized per cycle, subsidiary accounts, and restrictions.
[Para 35] As such, where information is provided in accordance with this invention, it may be provided in magnetic stripe format track. For example, counter values, authentication tags and encrypted identifiers, described herein, may be forwarded encoded in all or a portion of a data stream representing data encoded in, for example, track 2 or track 3 format.
[Para 36]
Further still, various components may be described herein in terms of their "validity." In this context, a "valid" component is one which is authorized for use in completing a transaction request in accordance with the present invention. Contrarily, an "invalid" component is one which is not authorized for transaction completion. In addition, an invalid component may be one which is not recognized as being permitted for use on the secure RF system described herein.
[Para 37] Figure 1 illustrates an exemplary secure RFID transaction system 100 in accordance with the present invention, wherein exemplary components for use in completing a RF transaction are depicted. In general, system 100 may include a RFID transaction device 102 in RF
communication with a RFID reader 104 for transmitting data there between. RFID reader 104 may be in further communication with a merchant point-of-sale (POS) device 106 for providing to POS 106 data received from RFID transaction device 102. POS 106 may be in further communication with an acquirer 110 or an account issuer 112 via host network 108 for transmitting a transaction request, including information received from RFID reader 104, and receiving authorization concerning traWsabtion completion.
[Para 381 Although the point-of-interaction device (POS) is described herein with respect to a merchant point-of-sale (POS) device, the invention is not to be so limited. Indeed, a merchant POS device is used herein by Way of example, and the point-of-interaction device may be any device capable of receiving transaction device account data. In this regard, the POS may be any point-of-interaction device enabling the user to complete a transaction using a transaction device 102. POS
device 106 may receive RFID transaction device 102 information and provide the information to host network 108 for processing.
[Para 39] As used herein, an "acquirer" may be a third-party entity including various databases and processors for facilitating the routing of the transaction request to an appropriate account issuer 112. Acquirer 110 may route the request to account issuer in accordance with a routing number provided by RFID transaction device 102. The "routing number" in this context may be a unique network address or any similar device for locating an account issuer 112 on host network 108.
Traditional means of routing the payment request in accordance with the routing number are well understood. As such, the process for using a routing number to provide the payment request will not be discussed herein for brevity.
[Para 401 Additionally, account issuer 112 ("account provider" or "issuer system") may be any entity which provides a transaction account for facilitating completion of a transaction request. The transaction account may be any credit, debit, loyalty, direct debit, checking, or savings, or the like. The term "issuer" or "account provider" may refer to any entity facilitating payment of a transaction using a transaction device, and which includes systems permitting payment using at least one of a preloaded and non-preloaded transaation device. Typical issuers may be American Express, MasterCard, Visa, Discover, and the like. In the preloaded value processing context, an exchange value (e.g, money, rewards points, barter points, etc.) may be stored in a preloaded value database (not shown) for use in completing a requested transaction. The preloaded value database and thus the exchange value may not be stored on transaction device itself, but may be stored remotely, such as, for example, at account issuer 112 location. Further, the preloaded value database may be debited the amount of the transaction requiring the value to be replenished. The preloaded value may be any conventional value (e.g., monetary, rewards points, barter points, etc.) which may be exchanged for goods or services. In that regard, the preloaded value may have any configuration as determined by issuer system 112.
[Para 41] In general, during operation of secure system 100, RFID reader 104 may provide an interrogation signal to transaction device 102 for powering device 102 and receiving transaction device related data.
The interrogation signal may be received at a transaction device antenna 120 and may be further provided to a transponder (not shown). In response, a transaction device processor 114 may retrieve a transaction device identifier from a transaction device database 116 for providing to RFID reader 104 to complete a transaction request.
Typically, transaction device identifier may be encrypted prior to providing the device identifier to a modulator/demodulator (not shown) for providing the identifier to RFID reader 104.
[Para 42]
It should be noted that RHO reader 104 and RFID transaction _device 102 may engage in mutual authentication prior to transferring any transaction device 102 data to RFID reader 104. For a detailed explanation of a suitable mutual authentication process for use with the invention, please refer to commonly owned U.S. Patent Application No. 10/340,352, entitled "SYSTEM AND METHOD FOR
INCENTING PAYMENT USING RADIO FREQUENCY
IDENTIFICATION IN CONTACT AND CONTACTLESS
TRANSACTIONS," filed January 10, 2003.
[Para 43] In accordance with one embodiment of the present invention, a RF
transaction using a RFID transaction device is secured by limiting the number of transactions which may be performed with a particular transaction device. Once the maximum transactions value is reached, transaction device may automatically disable itself against further usage. Alternatively, account issuer 112 may flag the transaction account correlating to transaction device such that account issuer system automatically prevents completion of transactions using transaction device.
[Para 44] As such, RFID transaction device 102 in accordance with the present invention further includes a counter 118 for recording and reporting the number of transactions performed with a particular transaction device 102. Counter 118 may be any device capable of being initiated with a beginning value and incrementing that value by a predetermined amount when transaction device 102 is presented for completion, of a transaction. Counter 118 may be a discrete electronic device on the transponder, or may be software or code based counter as is found in the art.
[Para 45] The initial counter value may be any value from which other similar values may be measured. The value may take any form, such as, alpha, numeric, a formation of symbols, or any combination thereof.
[Para 46] To facilitate understanding, the following description discusses all values to be in numeric units (0, 1, 2, 3...n). Thus, counter values, the value amount to be incremented, the total transactions counted value, and the maximum transactions value, are all whole numbers.
[Para 47] It should be noted that account issuer 112 may preset the initial counter value at any initial value as desired. Account issuer 112 may also predetermine the value amount to be incremented by counter 118 when transaction device is used to complete a transaction.
Further, account issuer 112 may assign different values to be incremented for each distinct transaction device 102. Further still, account issuer 112 may determine the maximum transactions value, which may be particular to each individual transaction device 102 issued by account issuer 112. Where counter 118 value equals a maximum transactions value, the system 100 prevents the usage of transaction device 102 to complete additional transactions. Account issuer 112 may prevent the usage of transaction device 102 where account issuer flags the transaction account corresponding to transaction device 102, thereby preventing authorization for using the account to complete transactions. Alternatively, transaction device 102 may self-disable. For example, counter 118 value may trigger transaction device processor 114 to provide a signal for preventing the transfer of transaction device 102 identifier.
[Para 48] For example, account issuer 112 may preset the initial counter value at 5 units and counter value to be incremented at 10 units per transaction. Account issuer 112 may determine that transaction device 102 may be used to complete a total transaction value of 20 transactions. Since counter 118 increments counter value by the value to be incremented (e.g., 10 units) for each transaction, then for a total of 20 transactions permitted, the maximum transactions value will be 205 units. Once counter value equals 205 units, then the operation of transaction device 102 may be disabled.
[Para 49] The operation of the exemplary embodiment described above, may be understood with reference to Figure 1 and to the method of securing a RFID transaction described in Figure 2. The operation may begin when RFID transaction device 102 is presented for completion of a transaction. Transaction device 102 may be placed in an interrogation field generated by RFID reader 104 (step 202). RFID reader 104 may interrogate RFID transaction device 102 enabling transaction device 102 operation. In response, RFID transaction device 102 may retrieve transaction device 102 identifier, account issuer 112 routing number and encrypted transaction device identifier from database 116 for providing to RFID reader 104 (step 204).
[Para 50]
Once RFID transaction device 102 detects the interrogation signal provided by RFID reader 104, counter 118 may increment its counter value (step 206). Counter 118 value may be incremented by an amount predetermined by account issuer 112 (e.g., value amount to be incremented). The resulting counter 118 value after incrementing is the total transactions counted value.
[Para 51] Upon determining the total transactions counted value, RFID
transaction device 102 may provide the total transactions counted value, the encrypted transaction device 102 identifier, and account issuer 112 routing number to RFID reader 104 via RF transmission (step 208). RFID reader 104 may, in turn, convert transaction device 102 identifier, routing number, and total transactions counted value into merchant POS recognizable format and forward the converted information to merchant POS 106 (step 210). A merchant system, including POS 106, may then provide a transaction request to acquirer 110 via network 106. The transaction request may include the information received from transaction device 102 along with information (e.g., amount, number of product, product/service identifier) concerning the transaction requested to be completed (step 216). The transaction request may include information relative to RFID
reader 104.
'Para 52]
= Acquirer 110 may receive the transaction request and forward the transaction request to the appropriate account issuer 112 in accordance with the routing number provided (step 218). Account issuer 112 may then identify that a transaction request is being provided that relates to a transaction device. For example, merchant POS 106 may provide a code appended to the transaction request specially configured for identifying a transaction device transaction which may be recognized by account issuer 112. Alternatively, transaction device identifier, or a portion thereof, may be identified by account issuer 112 as originating with a RFID transaction device 102.
[Para 53] In one exemplary embodiment, account issuer 112 receives the transaction device 102 identifier and checks to see if the transaction device identifier corresponds to a valid transaction account maintained on account issuer 112 system (step 220). For example, account issuer 112 may receive the encrypted transaction device identifier and locate the corresponding decryption key relating to the transaction account. If the encrypted identifier is invalid, such as, for example, when account issuer 112 is unable to locate the corresponding decryption key, account issuer 112 may provide a "Transaction Invalid" message to POS 106 (step 228). Transaction device 102 user may then be permitted to provide an alternate means of satisfying the transaction, or the transaction is ended (step 230).
[Para 54] If the RF1D transaction device 102 encrypted identifier corresponding decryption key is located, the encrypted identifier is considered "valid"
and account issuer 112 may then use the corresponding decryption key to "unlock" or locate transaction device account correlative to transaction device 102. Account provider 112 may then retrieve all information relating to the usage limits which have been predetermined by account issuer 112. Account issuer 112 may be able to determine if a particular transaction device 102 has reached its limit of available transactions.
=
[Para 55] For example, account issuer 112 may check to see if the total transactions counted value equals or exceeds the maximum transactions allowed (step 224). if the maximum transactions allowed have been reached then counter value is met or exceeded, and the transaction is considered "invalid." As such, account issuer 112 may then provide a "Transaction Invalid" message to POS 106 (step 228).
In addition, account issuer 112 may determine whether the total transactions counted value is the next expected value. If not, then the transaction is considered "invalid" and account issuer 112 may also provide a "Transaction Invalid" message to POS 106 (step 228). The transaction device 102 user may then be permitted to provide alternate means of completing the transaction (step 226) or the transaction is ended.
[Para 56] Alternatively, where the total transactions counted value does not exceed or rneet the maximum transactions allowed value, counter value is considered valid and a "Transaction Valid" message is sent to merchant POS 106 (step 230). The merchant system may then complete the transaction under business as usual standards as are employed by the merchant.
[Para 57]
In accordance with the various embodiments described, the present invention addresses the problem of securing a RF transaction completed by a RFID transaction device. The invention provides a system and method for an account issuer to determine if RFID
transaction device is a valid device for completing a transaction on a =
RE transaction system. Account issuer can determine whether transaction device is valid by verifying transaction device counter, and encryption identifier. It should be noted, however, that the present invention contemplates various arrangements wherein RFID reader may also be validated.
[Para 58] Figure 3 illustrates another method 300 for usage of RFID
transaction device counter 118 value for securing a RF transaction. In accordance with the method depicted, RFID reader 104 includes a random number generator 120, for producing a random number to be used in secure transactions. Random number generator 120 may be any conventional random number generator as is found in the art.
[Para 59] Method 300 may begin when a user presents RFID transaction device 102 for transaction completion (step 302). The user may, for example, place RFID transaction device 102 into the interrogation zone provided by RFID reader 104. The interrogation zone may be the area or zone defined by the interrogation signal cast by RFID reader 104.
[Para 60] Upon presentment of transaction device 102, RFID reader 104 may provide the random number to RFID transaction device 102 (step 304). RFID transaction device 102 may receive the random number and use it to create a RFID transaction device authentication tag (step 306). RFD transaction device 102 may receive the random number and use the random number, counter value, transaction account number and RFID transaction device encryption key to create a RFID
transaction device authentication tag.
[Para 61] RFID transaction device 102 may provide RFID transaction device authentication tag to RFID reader 104. RFID transaction device 102 may also provide in-the-clear data, counter value, random number to RFID reader 104, along with RFID transaction device authentication tag (step 308). RFID transaction device processor 114 may increment counter 118 using any of the incrementing methods discussed above (step 310).
[Para 62] RFID reader 104 may receive the data provided by RFID transponder 102, and use the data to create a RFID reader authentication key using a RFID reader encryption key (step 312). RFID reader 104 may use the transaction data and RFID reader 104 encryption key to encrypt the authentication tag created by the RF transaction device using common techniques such as DES and Triple DES and pass the modified authentication tag together with the in-the-clear data, random number, counter value, modified RFID transaction device authentication tag, and RFID reader authentication tag into a format readable by POS 106 (step 314) and provide the converted data to POS 106 (step 316).
[Para 63]
In an alternate embodiment, RFID reader 104 may receive the data provided by RFID transaction device 102, and use the data to create a RFID reader authentication key using a RFID reader encryption key (step 312). The reader authentication key is a digital signature created using the reader encryption key, RFN D transaction device transaction =data, and reader random number. RFID reader 104 may then pass the transaction data provided by the RE transaction device plus the reader authentication tag to POS 106.
[Para 64] POS 106 may seek satisfaction of the transaction (step 318). For example, POS 106 may form a transaction request using the data received from RFID transaction device 102, and RF1D reader 104 encryption key and forward the transaction request to acquirer 110 who may forward the transaction request to acco unt issuer 112 using the routing number.
[Para 65] Account issuer 112 may receive the transaction request and verify that RFID reader 104 and RFID transmission device 102 are valid.
Account issuer 112 may validate RFID reader authentication tag by decrypting RFID reader authentication tag using a RFID reader encryption key stored on an account issuer database (not shown) (step 320). If the decryption is unsuccessful, then issuer system 112 may provide a "Transaction Invalid" message to POS 106 (step 322) and the transaction is terminated. Alternatively, if decryption is successful, issuer system 112 may seek to validate RFID transaction device authentication tag (step 332).
[Para 661 For example, account issuer 112 may use the RF transaction device account number to locate a RFID transaction device encryption key stored on the issuer 112 (step 324) database and use RFD
transaction device encryption key to decrypt RFID transaction device authentication tag (step 326). If decryption is unsuccessful then issuer system 112 provides a "Transaction Invalid" message to POS 106
27 (step 322) and the transaction is terminated. Alternatively, if the decryption is successful, then issuer system 112 may validate counter value (step 328). Issuer system 112 may compare counter value to an expected counter value. In another exemplary embodiment, issuer system 112 may subject counter value received from RFID transaction device 102 to an algorithm the results of which are validated against an expected counter value. Issuer system 112 determines the expected value by referencing the algorithm used to increment counter value. For example, RFID transaction device 102 may have an algorithm (e.g., "counter algorithm") stored on transaction device database which may be used to increment counter value. In an exemplary embodiment, issuer system 112, stores a substantially similar copy of counter algorithm on issuer system 112 which is used to determine an expected counter value based on transactions knovvn to issuer system 112. In some instances, the expected counter value and counter value are not the same. That is, there may be differences due to, for example, transactions being processed off-line using RFI
transaction device 102. By "off-line" what may be meant is that the transaction is not immediately reported to issuer system 112. Instead, the transactien may be approved for processing without prior approval from issuer system 112, and issuer system 112 is notified of the transaction at a later date (e.g., not in real-time). In this case, counter algorithm may be such that a valid value is a value within an expected error range.
transaction device 102. By "off-line" what may be meant is that the transaction is not immediately reported to issuer system 112. Instead, the transactien may be approved for processing without prior approval from issuer system 112, and issuer system 112 is notified of the transaction at a later date (e.g., not in real-time). In this case, counter algorithm may be such that a valid value is a value within an expected error range.
28 [Para 67] If counter value is unsuccessfully validated, then issuer system 112 may provide a 'Transaction Invalid" message to POS 106. Otherwise, issuer system 112 may process the RFID transaction account number under business as usual standards (step 330). In this way, the transaction is secured using a counter, by using counter to validate a RFID transaction device authentication tag and a RFID reader authentication tag.
[Para 681 Figure 4 illustrates another exemplary embodiment wherein RFID
transaction device 102 is validated using counter value. In this exemplary embodiment, RFID transaction device 102 is presented (step 302) and RFID reader 104 sends a random number to RFID
transaction device 102 (step 304). RFID transaction device 102 receives the random number and creates a RFID transaction device authentication tag using the random number, the in-the-clear data, and a counter value (step 306). RFID transaction device 102 may then provide RFID transaction device authentication tag, random number, counter value, and in-the-clear data to RFID reader 104 (step 308).
RFID transaction device 102 may increment counter value by a predetermined value (step 310):
[Para 69]
RFID reader 104 may receive RFID transaction device authentication tag, in-the-clear data and counter value and convert counter value, in-the-clear data and .RFID transaction device authentication tag to a merchant POS 106 format (step 414). RFID reader 104 may then :provide the converted data to POS 106 (step 316). Merchant POS 106
[Para 681 Figure 4 illustrates another exemplary embodiment wherein RFID
transaction device 102 is validated using counter value. In this exemplary embodiment, RFID transaction device 102 is presented (step 302) and RFID reader 104 sends a random number to RFID
transaction device 102 (step 304). RFID transaction device 102 receives the random number and creates a RFID transaction device authentication tag using the random number, the in-the-clear data, and a counter value (step 306). RFID transaction device 102 may then provide RFID transaction device authentication tag, random number, counter value, and in-the-clear data to RFID reader 104 (step 308).
RFID transaction device 102 may increment counter value by a predetermined value (step 310):
[Para 69]
RFID reader 104 may receive RFID transaction device authentication tag, in-the-clear data and counter value and convert counter value, in-the-clear data and .RFID transaction device authentication tag to a merchant POS 106 format (step 414). RFID reader 104 may then :provide the converted data to POS 106 (step 316). Merchant POS 106
29 may then provide the data received from RFID reader 104 to issuer system 112 for transaction satisfaction (step 318). Issuer system 112 may receive the data and verify RFID transaction device authentication tag (step 332). For example, issuer system 112 may validate the RFID transaction authentication tag and counter value in accordance with steps 324-328.
[Para 70] Under yet another embodiment, Figure 5 illustrates an aspect of the invention wherein RFID reader 104 is validated, when RFID
transaction device 102 is not. According to the invention RFID
transaction device 102 is validated using counter value. In this exemplary embodiment, RFID transaction device 102 is presented for transaction completion (step 302). RFID transaction device 102 may then provide counter and the in-the-clear data to RFID reader 104 (step 508). RFID transaction device 102 may increment counter value = by a predetermined value (step 310). Alternatively, RFD reader 104 may provide a signal to transaction device 102 for use in incrementing the counter value.
[Para 71]
RFID reader 104 may receive the in-the-clear data and counter value and prepare RFID reader authentication tag using a RFID reader encryption key (step 512). RFID reader may then convert the in-the-clear data and RFID reader authentication tag to a merchant POS 106 format (step 514) and provide the converted data to POS 106 (step 316). The merchant POS 106 may then provide the data received from RFID reader 104 to an issuer system 112 for transaction satisfaction (step 318). In one exemplary embodiment, the merchant POS 106 provides issuer system 116 with a POS identifier associated with POS 106 (step 519). Issuer system 116 may then seek to verify RFID reader 104 (step 532). For example, issuer system 112 may receive the POS identifier, and locate a related POS encryption key stored on an issuer system database (step 524). Issuer system 112 may receive the encryption key data and verify RF1D reader authentication tag using the POS encryption key data (step 526). For example, issuer system 112 may validate the RF1D transaction authentication tag by attempting to decrypt RFID reader authentication tag using the POS encryption key (Le., step 526). If RF1D reader authentication tag is successfully decrypted, then the transaction may be processed under business as usual standards (step 330). In another exemplary embodiment, prior to processing the transaction request (step 330), issuer system 112 may further verify RF1D reader 104 by verifying counter value used to create the RFID
authentication tag (step 528), in similar manner as was done with step 328.
[Para 72]
The preceding detailed description of exemplary embodiments of the invention makes reference to the accompanying drawings, which show the exemplary embodiment by way of illustration. While these exemplary embodimerits are described in sufficient detail to enable those skilled in the art to practice the invention, it should be understood that other embodiments may be realized and that logical and mechanical changes may be made without departing from the scope of the invention. For example, RFID reader may include an RF1D reader encrypted identifier stored in the reader database, which may be validated by account issuer in similar manner as with transaction device encrypted identifier. Moreover, counter may increment the total transactions counted value by the predetermined incremental value at the completion of a successful transaction. In addition, the steps recited in any of the method or process claims may be executed in any order and are not limited to the order presented.
Further, the present invention may be practiced using one or more servers, as necessary. Thus, the preceding detailed description is presented for purposes of illustration only and not of limitation, and the scope of the invention is defined by the preceding description, and with respect to the attached claims.
[Para 70] Under yet another embodiment, Figure 5 illustrates an aspect of the invention wherein RFID reader 104 is validated, when RFID
transaction device 102 is not. According to the invention RFID
transaction device 102 is validated using counter value. In this exemplary embodiment, RFID transaction device 102 is presented for transaction completion (step 302). RFID transaction device 102 may then provide counter and the in-the-clear data to RFID reader 104 (step 508). RFID transaction device 102 may increment counter value = by a predetermined value (step 310). Alternatively, RFD reader 104 may provide a signal to transaction device 102 for use in incrementing the counter value.
[Para 71]
RFID reader 104 may receive the in-the-clear data and counter value and prepare RFID reader authentication tag using a RFID reader encryption key (step 512). RFID reader may then convert the in-the-clear data and RFID reader authentication tag to a merchant POS 106 format (step 514) and provide the converted data to POS 106 (step 316). The merchant POS 106 may then provide the data received from RFID reader 104 to an issuer system 112 for transaction satisfaction (step 318). In one exemplary embodiment, the merchant POS 106 provides issuer system 116 with a POS identifier associated with POS 106 (step 519). Issuer system 116 may then seek to verify RFID reader 104 (step 532). For example, issuer system 112 may receive the POS identifier, and locate a related POS encryption key stored on an issuer system database (step 524). Issuer system 112 may receive the encryption key data and verify RF1D reader authentication tag using the POS encryption key data (step 526). For example, issuer system 112 may validate the RF1D transaction authentication tag by attempting to decrypt RFID reader authentication tag using the POS encryption key (Le., step 526). If RF1D reader authentication tag is successfully decrypted, then the transaction may be processed under business as usual standards (step 330). In another exemplary embodiment, prior to processing the transaction request (step 330), issuer system 112 may further verify RF1D reader 104 by verifying counter value used to create the RFID
authentication tag (step 528), in similar manner as was done with step 328.
[Para 72]
The preceding detailed description of exemplary embodiments of the invention makes reference to the accompanying drawings, which show the exemplary embodiment by way of illustration. While these exemplary embodimerits are described in sufficient detail to enable those skilled in the art to practice the invention, it should be understood that other embodiments may be realized and that logical and mechanical changes may be made without departing from the scope of the invention. For example, RFID reader may include an RF1D reader encrypted identifier stored in the reader database, which may be validated by account issuer in similar manner as with transaction device encrypted identifier. Moreover, counter may increment the total transactions counted value by the predetermined incremental value at the completion of a successful transaction. In addition, the steps recited in any of the method or process claims may be executed in any order and are not limited to the order presented.
Further, the present invention may be practiced using one or more servers, as necessary. Thus, the preceding detailed description is presented for purposes of illustration only and not of limitation, and the scope of the invention is defined by the preceding description, and with respect to the attached claims.
Claims (19)
1. A Radio Frequency (RF) transaction securing system comprising:
a radio frequency identification (REID) transaction device, including:
a RF operable transaction device transponder;
a transaction device processor in communication with said transponder;
a transaction device database in communication with said transaction device processor; and a transactions counter in communication with said transaction device processor, said counter including a total transactions counted value.
a radio frequency identification (REID) transaction device, including:
a RF operable transaction device transponder;
a transaction device processor in communication with said transponder;
a transaction device database in communication with said transaction device processor; and a transactions counter in communication with said transaction device processor, said counter including a total transactions counted value.
2. A system according to claim 1, wherein said transaction device database stores at least one of a transaction device authentication tag and an encrypted transaction device identifier.
3. A system according to claim 2, further including a RFID reader operable to receive transaction device information from said transaction device via RF
communications, said RFID reader comprising:
a RF operable reader transponder; and a reader processor in communication with said transponder.
communications, said RFID reader comprising:
a RF operable reader transponder; and a reader processor in communication with said transponder.
4. A system according to claim 3, wherein said RFID reader provides an interrogation signal for interrogating said transaction device.
5. A system according to claim 4, wherein said counter increments said total transactions value a predetermined value to be incremented in response to said interrogation signal, said counter further providing said incremented total transactions value to said transaction device processor.
6. A system according to claim 5 wherein said transaction device database provides said transaction device authentication tag and said transaction device encrypted identifier to said transaction device processor in response to said interrogation signal.
7. A system according to claim 6, wherein said processor provides at least one of said transaction device authentication tag, said transaction device encrypted identifier, and said incremented total transactions counted value to said transaction device transponder, said transaction device transponder for providing to said RFID reader transponder via RF communications.
8. A system according to claim 7, wherein said RFID reader further comprises a reader database in communication with said reader processor.
9. A system according to claim 8, wherein said reader database stores a reader authentication tag, said reader database further providing said reader authentication tag to said reader processor.
10. A system according to claim 9, further comprising:
a merchant point of sale (POS) device in communication with said RFID
reader; and an account issuer in communication with said POS via a network.
a merchant point of sale (POS) device in communication with said RFID
reader; and an account issuer in communication with said POS via a network.
11. A system according to claim 10, wherein said RFID reader provides at least one of said transaction device authentication tag, said transaction device encrypted identifier, and said incremented total transactions counted value and said reader authentication tag to said POS, said POS forming a transaction request including transaction completion information and at least one of said transaction device authentication tag, said transaction device encrypted identifier, and said incremented total transactions counted value, and said reader authentication tag, said POS providing said transaction request to said account issuer.
12. A system according to claim 11, wherein said account issuer evaluates the validity of said transaction device in accordance with the total transactions counted value received.
13. A system according to claim 12, wherein said account issuer provides approval for transaction completion to said POS when said total transactions counted value is less than a predetermined maximum transactions value, and wherein said account issuer disallows the completion of a transaction when said total transactions counted value is greater than said maximum transactions value.
14. A system according to claim 13, wherein said account issuer evaluates the validity of said transaction device in accordance with the transaction device authentication tag received.
15. A system according to claim 14, wherein said account issuer evaluates the validity of said RFID reader in accordance with the reader authentication tag received.
16. A system according to claim 15, wherein said account issuer provides approval for transaction completion to said POS when said transaction device authentication tag is validated.
17. A system according to claim 16, wherein said account issuer provides approval for transaction completion to said POS when said reader authentication tag is validated.
18. A method for securing Radio Frequency (RF) transactions comprising the steps of:
providing an interrogation signal for interrogating a RF transaction device including a RF operable transaction device transponder;
providing a counter for counting the total transactions completed with the RF transaction device;
incrementing the counter value a predetermined incremental value when a transaction request is provided, thereby providing the total number of transactions completed with the transaction device; and approving a transaction based on the value of the total number of transactions completed.
providing an interrogation signal for interrogating a RF transaction device including a RF operable transaction device transponder;
providing a counter for counting the total transactions completed with the RF transaction device;
incrementing the counter value a predetermined incremental value when a transaction request is provided, thereby providing the total number of transactions completed with the transaction device; and approving a transaction based on the value of the total number of transactions completed.
19. A method of completing a secure Radio Frequency transaction comprising:
providing a RFID transaction device including a counter for counting the number of transactions completed with the device; and approving a transaction based on the number of transactions completed with the device.
providing a RFID transaction device including a counter for counting the number of transactions completed with the device; and approving a transaction based on the number of transactions completed with the device.
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US10/711,720 | 2004-09-30 | ||
US10/711,720 US7996324B2 (en) | 2001-07-10 | 2004-09-30 | Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia |
US10/905,005 US7705732B2 (en) | 2001-07-10 | 2004-12-09 | Authenticating an RF transaction using a transaction counter |
US10/905,005 | 2004-12-09 | ||
CA002583402A CA2583402A1 (en) | 2004-09-30 | 2005-09-23 | System and method for authenticating a rf transaction using a radio frequency identification device including a transactions counter |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CA002583402A Division CA2583402A1 (en) | 2004-09-30 | 2005-09-23 | System and method for authenticating a rf transaction using a radio frequency identification device including a transactions counter |
Publications (1)
Publication Number | Publication Date |
---|---|
CA2836286A1 true CA2836286A1 (en) | 2006-04-13 |
Family
ID=36142978
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CA002583402A Abandoned CA2583402A1 (en) | 2004-09-30 | 2005-09-23 | System and method for authenticating a rf transaction using a radio frequency identification device including a transactions counter |
CA2836286A Abandoned CA2836286A1 (en) | 2004-09-30 | 2005-09-23 | System and method for authenticating a rf transaction using a radio frequency indentification device including a transactions counter |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CA002583402A Abandoned CA2583402A1 (en) | 2004-09-30 | 2005-09-23 | System and method for authenticating a rf transaction using a radio frequency identification device including a transactions counter |
Country Status (5)
Country | Link |
---|---|
US (1) | US7705732B2 (en) |
EP (1) | EP1815411A4 (en) |
AU (1) | AU2005292417B2 (en) |
CA (2) | CA2583402A1 (en) |
WO (1) | WO2006039180A2 (en) |
Families Citing this family (60)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FI108490B (en) * | 2000-05-02 | 2002-01-31 | Sonera Oyj | Fraudulent authorization information |
WO2002011019A1 (en) * | 2000-08-01 | 2002-02-07 | First Usa Bank, N.A. | System and method for transponder-enabled account transactions |
US7237117B2 (en) | 2001-03-16 | 2007-06-26 | Kenneth P. Weiss | Universal secure registry |
US20030120777A1 (en) * | 2001-12-26 | 2003-06-26 | First Data Corporation | Forms auditing systems and methods |
US7130773B1 (en) * | 2004-11-30 | 2006-10-31 | Sun Microsystems, Inc. | Method and apparatus for processing data using objects |
US20070262138A1 (en) * | 2005-04-01 | 2007-11-15 | Jean Somers | Dynamic encryption of payment card numbers in electronic payment transactions |
US20080001752A1 (en) * | 2005-04-21 | 2008-01-03 | Skyetek, Inc. | System and method for securing rfid tags |
JP2008543211A (en) * | 2005-06-14 | 2008-11-27 | エヌエックスピー ビー ヴィ | Transponder system for transmitting key encryption information and related keys |
US20070094152A1 (en) * | 2005-10-20 | 2007-04-26 | Bauman Brian D | Secure electronic transaction authentication enhanced with RFID |
US8480484B2 (en) * | 2005-11-09 | 2013-07-09 | Igt | Secure identification devices and methods for detecting and monitoring access thereof |
ATE397259T1 (en) * | 2006-01-30 | 2008-06-15 | Skidata Ag | MULTIPLE POWER SYSTEM WITH ACCESS CONTROLS |
US7862434B2 (en) * | 2006-02-07 | 2011-01-04 | The Kendall 1987 Revocable Trust | Multi-sensor system for counting and identifying objects in close proximity |
US8234220B2 (en) | 2007-02-21 | 2012-07-31 | Weiss Kenneth P | Universal secure registry |
WO2007145687A1 (en) | 2006-02-21 | 2007-12-21 | Weiss Kenneth P | Method and apparatus for secure access payment and identification |
US11227676B2 (en) | 2006-02-21 | 2022-01-18 | Universal Secure Registry, Llc | Universal secure registry |
KR100722363B1 (en) | 2006-03-13 | 2007-05-28 | 강민섭 | Rfid system based of robust authentication protocol, and tag and method thereof |
FR2901040B1 (en) * | 2006-05-15 | 2012-11-16 | Airtag | SALES SHOP INCORPORATING A SYSTEM OF IDENTIFICATION OF CUSTOMERS RECTIFIED |
US8185744B2 (en) * | 2006-09-08 | 2012-05-22 | Certicom Corp. | Aggregate signature schemes |
US20080090520A1 (en) * | 2006-10-17 | 2008-04-17 | Camp William O | Apparatus and methods for communication mobility management using near-field communications |
US8336770B2 (en) * | 2006-10-26 | 2012-12-25 | Mastercard International, Inc. | Method and apparatus for wireless authorization |
US8719128B2 (en) * | 2006-12-15 | 2014-05-06 | Tcf Financial Corporation | Computer-facilitated secure account-transaction |
JP2010514014A (en) * | 2006-12-19 | 2010-04-30 | トランサーバン,リミテッド | Trading system for use when authorizing cashless transactions |
US8081078B2 (en) * | 2007-01-24 | 2011-12-20 | United Security Applications Id, Inc. | Universal tracking assembly |
US8040242B2 (en) * | 2007-02-07 | 2011-10-18 | International Business Machines Corporation | Hierarchical RFID |
US9846866B2 (en) * | 2007-02-22 | 2017-12-19 | First Data Corporation | Processing of financial transactions using debit networks |
US20090028329A1 (en) * | 2007-07-23 | 2009-01-29 | Savi Technology, Inc. | Method and Apparatus for Providing Security in a Radio Frequency Identification System |
KR100931507B1 (en) * | 2007-12-11 | 2009-12-11 | 한국전자통신연구원 | Communication Data protection Method based on Symmetric Key Encryption in RFID system, AND APPARATUS FOR ENABLING THE METHOD |
US20090273439A1 (en) * | 2008-05-01 | 2009-11-05 | Richard Selsor | Micro-chip ID |
US8898089B2 (en) * | 2008-06-24 | 2014-11-25 | Visa U.S.A. Inc. | Dynamic verification value system and method |
US8188840B2 (en) * | 2008-09-19 | 2012-05-29 | Userstar Information System Co., Ltd. | Authenticating method and identification system |
US20100161517A1 (en) * | 2008-12-22 | 2010-06-24 | Nathan Bowman Littrell | Systems and methods for electricity metering for vehicular applications |
US20100156349A1 (en) * | 2008-12-22 | 2010-06-24 | Nathan Bowman Littrell | System and method for pay as you go charging for electric vehicles |
US8315930B2 (en) | 2008-12-22 | 2012-11-20 | General Electric Company | Systems and methods for charging an electric vehicle using broadband over powerlines |
US8583551B2 (en) | 2008-12-22 | 2013-11-12 | General Electric Company | Systems and methods for prepaid electric metering for vehicles |
US20100161393A1 (en) * | 2008-12-22 | 2010-06-24 | Nathan Bowman Littrell | Systems and methods for charging an electric vehicle within a parking area |
US9505317B2 (en) | 2008-12-22 | 2016-11-29 | General Electric Company | System and method for electric vehicle charging and billing using a wireless vehicle communication service |
KR101175188B1 (en) * | 2008-12-22 | 2012-08-20 | 한국전자통신연구원 | Method of Authenticating RFID Tag for Reducing Load of Server and RFID Reader using the same |
US9030153B2 (en) | 2008-12-22 | 2015-05-12 | General Electric Company | Systems and methods for delivering energy to an electric vehicle with parking fee collection |
US9396462B2 (en) | 2008-12-22 | 2016-07-19 | General Electric Company | System and method for roaming billing for electric vehicles |
US20100188224A1 (en) * | 2009-01-26 | 2010-07-29 | Cheng Loong Corporation. | Method for searching electronic data and system thereof |
US9230259B1 (en) | 2009-03-20 | 2016-01-05 | Jpmorgan Chase Bank, N.A. | Systems and methods for mobile ordering and payment |
US9483651B2 (en) * | 2009-11-30 | 2016-11-01 | Ncr Corporation | Methods and apparatus for transfer of content to a self contained wireless media device |
US8745370B2 (en) * | 2010-06-28 | 2014-06-03 | Sap Ag | Secure sharing of data along supply chains |
US9916572B2 (en) | 2010-08-18 | 2018-03-13 | International Business Machines Corporation | Payment card processing system |
WO2012037479A1 (en) | 2010-09-17 | 2012-03-22 | Universal Secure Registry, Llc | Apparatus, system and method employing a wireless user-device |
US9152986B2 (en) | 2011-12-07 | 2015-10-06 | Adflow Networks Inc. | Apparatus, method and process of influencing information gathered by a tethered item and computer-readable medium thereof |
FR2994499B1 (en) * | 2012-08-09 | 2015-10-30 | Compagnie Ind Et Financiere Dingenierie Ingenico | AUTHENTICITY VERIFICATION METHOD, SERVER, CORRESPONDING COMPUTER SYSTEM AND PROGRAM |
US20140108241A1 (en) | 2012-10-08 | 2014-04-17 | NXT-ID, Inc. | Method for Replacing Traditional Payment and Identity Management Systems and Components to Provide Additional Security and a System Implementing Said Method |
US20140380445A1 (en) | 2013-03-17 | 2014-12-25 | David Tunnell | Universal Authentication and Data Exchange Method, System and Service |
US11004069B2 (en) * | 2013-10-03 | 2021-05-11 | Nxp B.V. | Article and method for transaction irregularity detection |
US8930274B1 (en) | 2013-10-30 | 2015-01-06 | Google Inc. | Securing payment transactions with rotating application transaction counters |
ITUB20155318A1 (en) * | 2015-10-26 | 2017-04-26 | St Microelectronics Srl | TAG, ITS PROCEDURE AND SYSTEM TO IDENTIFY AND / OR AUTHENTICATE ITEMS |
US10475036B2 (en) * | 2016-01-08 | 2019-11-12 | Ca, Inc. | Restricting account use by controlled replenishment |
US20170337541A1 (en) * | 2016-05-20 | 2017-11-23 | Mastercard International Incorporated | Enhanced user experience for low value transactions |
DE102016122949A1 (en) * | 2016-11-29 | 2018-05-30 | Beckmann Gmbh | Electronic value carrier and terminal |
US11213773B2 (en) | 2017-03-06 | 2022-01-04 | Cummins Filtration Ip, Inc. | Genuine filter recognition with filter monitoring system |
US10546444B2 (en) * | 2018-06-21 | 2020-01-28 | Capital One Services, Llc | Systems and methods for secure read-only authentication |
EP3660766A1 (en) * | 2018-11-28 | 2020-06-03 | Mastercard International Incorporated | Improvements relating to security and authentication of interaction data |
US11392933B2 (en) * | 2019-07-03 | 2022-07-19 | Capital One Services, Llc | Systems and methods for providing online and hybridcard interactions |
US20220417022A1 (en) * | 2021-06-28 | 2022-12-29 | Medtronic, Inc. | Mutual authentication between a hardware token and non-networked device |
Family Cites Families (1276)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US2767756A (en) | 1953-07-09 | 1956-10-23 | Brown & Bigelow | Foldable unit plastic card holder |
US3536894A (en) | 1965-07-23 | 1970-10-27 | Jerry E Travioli | Electronic credit card acceptor |
US3446260A (en) | 1967-04-13 | 1969-05-27 | Kleer Vu Ind Inc | Card holder for wallets |
US3573731A (en) | 1968-06-17 | 1971-04-06 | Clary Corp | Device for determining authenticity of a credit card or the like |
US3829662A (en) | 1969-04-17 | 1974-08-13 | Canon Kk | Recording medium having concealed information as input for electronic computer |
US3725647A (en) | 1970-10-19 | 1973-04-03 | Insta Datic Corp | Photographic credit card system |
US3763356A (en) | 1971-05-17 | 1973-10-02 | Pitney Bowes Alpex | Unidirectional fluorescent ink imprinted coded document and method of decoding |
US3838252A (en) | 1971-07-09 | 1974-09-24 | Pitney Bowes Inc | Protective coatings for magnetically codable credit card |
US3894756A (en) | 1971-10-18 | 1975-07-15 | Optronics Int | Identification card having a reference beam coded hologram |
IT969831B (en) | 1971-12-28 | 1974-04-10 | Ibm | IDENTIFICATION CARD WITH DIFFERENTIATED SPECTRAL CODES |
US3873813A (en) | 1973-05-18 | 1975-03-25 | Xerox Corp | Credit card |
US3955295A (en) | 1973-10-18 | 1976-05-11 | Roberta B. Kuhns | Data bearing card having an aesthetic, magnetizable, colorless, transparent coating thereon |
US4058839A (en) | 1974-08-21 | 1977-11-15 | R. D. Products, Inc. | Magnetic-type information card and method and apparatus for encoding and reading |
US4048737A (en) | 1975-02-12 | 1977-09-20 | Mcdermott Clifton Eugene | Dual identification card and identification card holder |
US3929177A (en) | 1975-04-28 | 1975-12-30 | Amity Leather Prod Co | Pass case |
US4044231A (en) | 1975-05-27 | 1977-08-23 | Addressograph Multigraph Corporation | Secure property document and method of manufacture |
CH588358A5 (en) | 1975-08-14 | 1977-05-31 | Landis & Gyr Ag | |
US4222516A (en) | 1975-12-31 | 1980-09-16 | Compagnie Internationale Pour L'informatique Cii-Honeywell Bull | Standardized information card |
US4056139A (en) | 1976-03-03 | 1977-11-01 | Murt Edward M | Holder for money, cards and the like |
CH607170A5 (en) | 1976-10-28 | 1978-11-30 | Sodeco Compteurs De Geneve | |
US4202491A (en) | 1977-09-26 | 1980-05-13 | Hitachi, Ltd. | Data card |
DE2847756B2 (en) | 1978-11-03 | 1980-08-21 | Hermann 7742 St Georgen Stockburger | Procedure for the secret identification and evaluation of machine-readable data carriers |
US4277863A (en) | 1979-05-11 | 1981-07-14 | Daniel Faneuf | Identification card holder |
US4303904A (en) | 1979-10-12 | 1981-12-01 | Chasek Norman E | Universally applicable, in-motion and automatic toll paying system using microwaves |
US4697363A (en) | 1979-12-26 | 1987-10-06 | Kangaroos U.S.A., Inc. | Athletic shoe pocket |
CH647607A5 (en) | 1980-01-12 | 1985-01-31 | Kurt Ehrat | MACHINE-READABLE DATA CARD IN PLASTIC. |
FR2492135B1 (en) | 1980-09-16 | 1988-01-22 | Cii Honeywell Bull | APPARATUS FOR DISTRIBUTING OBJECTS AND ACQUIRING SERVICES |
GB2088110B (en) | 1980-09-25 | 1985-01-30 | Canon Kk | Liquid crystal display devices |
US4356646A (en) | 1981-02-26 | 1982-11-02 | Johnson Jr Thomas A | Card holder |
US4503135A (en) | 1981-02-27 | 1985-03-05 | Drexler Technology Corporation | Medium for recording visual images and laser written data |
USD270546S (en) | 1981-03-10 | 1983-09-13 | Ab Id-Kort | Transaction identification card |
USD270303S (en) | 1981-08-07 | 1983-08-30 | Enger Kress Company | Combined wallet and clip |
GB2108906B (en) | 1981-09-16 | 1985-03-06 | Itr Int Time Ltd | Identification card with concealed coding and decoding module |
US4538059A (en) | 1981-09-16 | 1985-08-27 | Itr International Time Limited | Identification card with concealed coding and a simple reader module to decode it |
US4507652A (en) | 1982-02-04 | 1985-03-26 | Baker Industries, Inc. | Bidirectional, interactive fire detection system |
US4475308A (en) | 1982-03-01 | 1984-10-09 | Heise Manufacturing Co., Inc. | Revolving door system |
US4436991A (en) | 1982-03-10 | 1984-03-13 | Sealectro Corporation | Badge reader using infrared light |
EP0093410A3 (en) | 1982-04-30 | 1984-10-17 | Omron Tateisi Electronics Co. | Apparatus for sensing a magnetic stripe on a recording media |
DE3231460A1 (en) | 1982-08-24 | 1984-03-01 | GAO Gesellschaft für Automation und Organisation mbH, 8000 München | ID CARD WITH CHECKABLE CHARACTERISTICS |
US4563024A (en) | 1983-03-16 | 1986-01-07 | Jeffrey Blyth | Hologram identification device |
USD280214S (en) | 1983-04-07 | 1985-08-20 | Opel George E | Credit card |
US4547002A (en) | 1983-11-10 | 1985-10-15 | U.S. Banknote Corporation | Credit and identification cards having pieces of diffraction grating therein |
US4597814A (en) | 1983-11-22 | 1986-07-01 | U.S. Banknote Corporation | Method for manufacturing card with three-dimensional label incorporated therein |
US4641017A (en) | 1983-12-15 | 1987-02-03 | Herman Lopata | Fraud resistant credit card system |
US4583766A (en) | 1984-05-08 | 1986-04-22 | Kenneth R. Wessel | Secure badge for infrared badge reader and process for making same |
CA1228225A (en) | 1984-11-09 | 1987-10-20 | National Research Council Of Canada | Method of manufacturing an optical interference authenticating device |
US4998279A (en) | 1984-11-30 | 1991-03-05 | Weiss Kenneth P | Method and apparatus for personal verification utilizing nonpredictable codes and biocharacteristics |
US4684795A (en) | 1985-01-07 | 1987-08-04 | United States Banknote Company L.P. | Security tape with integrated hologram and magnetic strip |
EP0190387A2 (en) | 1985-02-07 | 1986-08-13 | MIDS Magnetische Informations- und Datensysteme GmbH | Coded identity card |
US4639765A (en) | 1985-02-28 | 1987-01-27 | Texas Instruments Incorporated | Synchronization system for overlay of an internal video signal upon an external video signal |
JPS61201390A (en) | 1985-03-04 | 1986-09-06 | Casio Comput Co Ltd | Ic card |
US4672021A (en) | 1985-06-03 | 1987-06-09 | Fairmount Chemical Company | Contrast enhancement layer composition with naphthoquinone diazide, indicator dye and polymeric binder |
US4643452A (en) | 1985-08-15 | 1987-02-17 | Chang Kwei K | Business card attaching strip |
AU583654B2 (en) | 1985-08-30 | 1989-05-04 | Fuji Photo Film Co., Ltd. | Card with photograph and method of making same |
JPH0696356B2 (en) | 1986-03-17 | 1994-11-30 | 三菱電機株式会社 | Thin semiconductor card |
IT1226491B (en) | 1986-07-01 | 1991-01-16 | Bruno Fabbiani | SECURITY DOCUMENT PROVIDED WITH A HOLOGRAM |
US4739328A (en) | 1986-07-14 | 1988-04-19 | Amtech Corporation | System for identifying particular objects |
US4725719A (en) * | 1986-07-21 | 1988-02-16 | First City National Bank Of Austin | Restricted purpose, commercial, monetary regulation method |
DE3628315A1 (en) | 1986-08-21 | 1988-02-25 | Bayer Ag | USE OF SPECIAL ETHYLENE VINYL ACETATE COPOLYMERS FOR THE MODIFICATION OF PVC |
US4863819A (en) | 1986-09-11 | 1989-09-05 | Drexler Technology Corporation | Read-only optical data card |
US5010243A (en) | 1986-10-15 | 1991-04-23 | Kyodo Printing Co., Ltd. | Method of producing an optical recording card having a hologram contained therein |
DE3636921A1 (en) | 1986-10-30 | 1988-05-05 | Interflex Datensyst | COUNTERFEIT-PROOF OPTOELECTRIC CODE CARD READER |
DE3638575A1 (en) | 1986-11-12 | 1988-05-19 | Gao Ges Automation Org | METHOD FOR PRODUCING IDENTIFICATION CARDS WITH COLORED MAGNETIC SLOPES |
US4779898A (en) | 1986-11-21 | 1988-10-25 | Optical Coating Laboratory, Inc. | Thin film optically variable article and method having gold to green color shift for currency authentication |
US4801790A (en) | 1987-01-12 | 1989-01-31 | Valid Technologies, Ltd. | Access card provided with coded security means |
JP2553860B2 (en) | 1987-05-08 | 1996-11-13 | 共同印刷株式会社 | Optical recording member, method of manufacturing the same, and method of manufacturing optical recording card |
US4841570A (en) | 1987-05-11 | 1989-06-20 | The United States Of America As Represented By The United States Department Of Energy | One-way transformation of information |
US4897533A (en) | 1987-07-07 | 1990-01-30 | National Business Systems, Inc. | Credit card and method of making the same |
USD307979S (en) | 1987-07-17 | 1990-05-22 | Purvis Janet L | Combined key ring and change purse |
DE301127T1 (en) | 1987-07-31 | 1989-08-24 | Texas Instruments Deutschland Gmbh, 8050 Freising, De | TRANSPONDER ARRANGEMENT. |
USD310386S (en) | 1987-08-07 | 1990-09-04 | Visa International Service Association | Transaction card |
US5025372A (en) | 1987-09-17 | 1991-06-18 | Meridian Enterprises, Inc. | System and method for administration of incentive award program through use of credit |
US5180902A (en) * | 1988-04-21 | 1993-01-19 | David Schick | Self verifying transaction card with disabling capability |
US4917292A (en) | 1988-04-21 | 1990-04-17 | Drexler Technology Corporation | Book on a pocket card |
GB8811935D0 (en) | 1988-05-20 | 1988-06-22 | Time & Data Systems Internatio | Card/badge for carrying data & reader therefor |
US5272326A (en) | 1988-06-21 | 1993-12-21 | Kyodo Printing Co., Ltd. | Optical card having light absorbing layer |
US4961142A (en) | 1988-06-29 | 1990-10-02 | Mastercard International, Inc. | Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer |
US5015830A (en) | 1988-07-04 | 1991-05-14 | Sharp Kabushiki Kaisha | Electronic card reading device |
US5550548A (en) | 1988-07-08 | 1996-08-27 | Texas Instruments Deutschland Gmbh | Interrogator for detecting adjacent transponders |
US5285100A (en) | 1988-07-22 | 1994-02-08 | Texas Instruments Incorporated | Semiconductor switching device |
GB2223453A (en) | 1988-08-12 | 1990-04-11 | Scient Generics Ltd | Bar code printing |
GB2222714A (en) | 1988-09-09 | 1990-03-14 | Avery Ltd W & T | Cashless payment system |
US5016274A (en) | 1988-11-08 | 1991-05-14 | Silvio Micali | On-line/off-line digital signing |
AU615582B2 (en) | 1988-11-10 | 1991-10-03 | Kyodo Printing Co., Ltd. | Optical card |
US4937963A (en) | 1988-11-21 | 1990-07-03 | Drexler Technology Corporation | Protective enclosure for data cards |
US4897947A (en) | 1989-01-09 | 1990-02-06 | Kass Pious Stephanie | Identification holder for mounting on shoes |
US5202826A (en) | 1989-01-27 | 1993-04-13 | Mccarthy Patrick D | Centralized consumer cash value accumulation system for multiple merchants |
GB8905471D0 (en) | 1989-03-10 | 1989-04-19 | De La Rue Co Plc | Sheet with security device |
US5142384A (en) | 1989-06-08 | 1992-08-25 | Ilford Limited | Holograms for packaging and display uses |
US5101200A (en) | 1989-06-09 | 1992-03-31 | Swett Paul H | Fast lane credit card |
US5329617A (en) | 1989-07-23 | 1994-07-12 | Texas Instruments Incorporated | Graphics processor nonconfined address calculation system |
JPH0363168A (en) | 1989-08-01 | 1991-03-19 | Omron Corp | Displaying method for print of information |
FR2651347A1 (en) | 1989-08-22 | 1991-03-01 | Trt Telecom Radio Electr | SINGLE NUMBER GENERATION METHOD FOR MICROCIRCUIT BOARD AND APPLICATION TO COOPERATION OF THE BOARD WITH A HOST SYSTEM. |
DE3935364C1 (en) | 1989-10-24 | 1990-08-23 | Angewandte Digital Elektronik Gmbh, 2051 Brunstorf, De | |
US6038584A (en) | 1989-11-17 | 2000-03-14 | Texas Instruments Incorporated | Synchronized MIMD multi-processing system and method of operation |
EP0429733B1 (en) | 1989-11-17 | 1999-04-28 | Texas Instruments Incorporated | Multiprocessor with crossbar between processors and memories |
US5410649A (en) | 1989-11-17 | 1995-04-25 | Texas Instruments Incorporated | Imaging computer system and network |
US5212777A (en) | 1989-11-17 | 1993-05-18 | Texas Instruments Incorporated | Multi-processor reconfigurable in single instruction multiple data (SIMD) and multiple instruction multiple data (MIMD) modes and method of operation |
US5339447A (en) | 1989-11-17 | 1994-08-16 | Texas Instruments Incorporated | Ones counting circuit, utilizing a matrix of interconnected half-adders, for counting the number of ones in a binary string of image data |
US6070003A (en) | 1989-11-17 | 2000-05-30 | Texas Instruments Incorporated | System and method of memory access in apparatus having plural processors and plural memories |
US5239654A (en) | 1989-11-17 | 1993-08-24 | Texas Instruments Incorporated | Dual mode SIMD/MIMD processor providing reuse of MIMD instruction memories as data memories when operating in SIMD mode |
US5197140A (en) | 1989-11-17 | 1993-03-23 | Texas Instruments Incorporated | Sliced addressing multi-processor and method of operation |
US5522083A (en) | 1989-11-17 | 1996-05-28 | Texas Instruments Incorporated | Reconfigurable multi-processor operating in SIMD mode with one processor fetching instructions for use by remaining processors |
US4993068A (en) * | 1989-11-27 | 1991-02-12 | Motorola, Inc. | Unforgeable personal identification system |
ATE105784T1 (en) | 1989-12-01 | 1994-06-15 | Landis & Gyr Business Support | ARRANGEMENT TO IMPROVE THE SECURITY OF A VALUABLE DOCUMENT FROM COUNTERFEITING. |
DE3941070A1 (en) | 1989-12-08 | 1991-06-13 | Dirk Lehnartz | INFORMATION AND ADVERTISING CARRIERS, IN PARTICULAR PRESENTATION AND / OR BUSINESS CARD |
US5096228A (en) | 1990-01-10 | 1992-03-17 | Rinderknecht Lester W | Notched I.D. card |
US5142383A (en) | 1990-01-25 | 1992-08-25 | American Banknote Holographics, Inc. | Holograms with discontinuous metallization including alpha-numeric shapes |
US5192947A (en) | 1990-02-02 | 1993-03-09 | Simon Neustein | Credit card pager apparatus |
GB9003446D0 (en) | 1990-02-15 | 1990-04-11 | Sunman Robert P | Cards |
US5023782A (en) | 1990-03-26 | 1991-06-11 | Mastercard International Inc. | Travelers cheque transaction terminal |
US5769457A (en) | 1990-12-01 | 1998-06-23 | Vanguard Identification Systems, Inc. | Printed sheet mailers and methods of making |
US5623547A (en) | 1990-04-12 | 1997-04-22 | Jonhig Limited | Value transfer system |
US5761493A (en) | 1990-04-30 | 1998-06-02 | Texas Instruments Incorporated | Apparatus and method for adding an associative query capability to a programming language |
US5646607A (en) | 1990-06-15 | 1997-07-08 | Texas Instruments Incorporated | Transponder/interrogator protocol in a multi-interrogator field |
US5355411A (en) | 1990-08-14 | 1994-10-11 | Macdonald John L | Document security system |
CH683410A5 (en) | 1990-08-22 | 1994-03-15 | Eric Bauer Hermann Stockburger | A method of manufacturing a data card provided with signs and computer card with signs obtained by the implementation of this method. |
US5171039A (en) | 1990-08-27 | 1992-12-15 | Micro Innovations, Incorporated | Medical information card |
US5572815A (en) | 1990-08-31 | 1996-11-12 | Kovner; Spencer | Business card holder |
USRE36788E (en) | 1990-09-06 | 2000-07-25 | Visa International Service Association | Funds transfer system |
US5251937A (en) | 1990-09-26 | 1993-10-12 | Gao Gesellschaft Fuer Automation Und Organisation Mbh | Multilayer data carrier and a method for producing it |
JP2932311B2 (en) | 1990-10-03 | 1999-08-09 | 住化プラステック株式会社 | Infrared absorbing film with excellent transparency |
JPH04143881A (en) | 1990-10-05 | 1992-05-18 | Toshiba Corp | Mutual authenticating system |
DE4033300C2 (en) | 1990-10-19 | 1994-06-23 | Gao Ges Automation Org | Multi-layer, card-shaped data carrier and method for producing the same |
SE9004054L (en) | 1990-12-19 | 1992-01-27 | Cervitrol Ab | DEVICE AND PROCEDURES FOR AUTOMATIC WRITING, READING AND OTHER TREATMENT OF TICKETS AND OTHER DOCUMENTS |
US5221838A (en) | 1990-12-24 | 1993-06-22 | Motorola, Inc. | Electronic wallet |
NL9100026A (en) | 1991-01-09 | 1992-08-03 | Texas Instruments Holland | INTERESTING STATION FOR IDENTIFYING OBJECTS PROCESSED OVER A TRANSPORTATION TRACK. |
DE4100472C1 (en) | 1991-01-09 | 1992-07-23 | Texas Instruments Deutschland Gmbh, 8050 Freising, De | |
DE4101301A1 (en) | 1991-01-17 | 1992-07-23 | Gao Ges Automation Org | SECURITY DOCUMENT AND METHOD FOR THE PRODUCTION THEREOF |
US5520230A (en) | 1991-01-22 | 1996-05-28 | Sumner, Iii; Yancey | Pocket card holder with money clip |
NL9100111A (en) | 1991-01-23 | 1992-08-17 | Texas Instruments Holland | ANTENNA SYSTEM FOR AN INQUIRY STATION FOR IDENTIFYING OBJECTS. |
NL9100110A (en) | 1991-01-23 | 1992-08-17 | Texas Instruments Holland | INTERESTING STATION FOR IDENTIFICATION PURPOSES WITH SEPARATE TRANSMITTER AND RECEIVER ANTENNAS. |
US5052328A (en) | 1991-02-28 | 1991-10-01 | Eppenbach Lawrence C | Apparatus for preventing credit card loss |
US5657388A (en) | 1993-05-25 | 1997-08-12 | Security Dynamics Technologies, Inc. | Method and apparatus for utilizing a token for resource access |
DE4119792C2 (en) | 1991-06-15 | 1994-06-16 | Kurz Kunststoffe Gmbh | Portable foldable container or box in the form of a wallet made of plastic |
US5734722A (en) * | 1991-07-17 | 1998-03-31 | Halpern; John Wolfgang | Electronic travel pass |
DE69125483T2 (en) | 1991-07-18 | 1997-10-23 | Texas Instruments Deutschland | Circuit arrangement for achieving a constant field strength of an RF signal, broadcast in front of a transmitter with an exchangeable antenna |
JP2561186B2 (en) | 1991-09-11 | 1996-12-04 | 日本発条株式会社 | Object identification structure |
US5489411A (en) | 1991-09-23 | 1996-02-06 | Texas Instruments Incorporated | Titanium metal foils and method of making |
WO1993007594A1 (en) | 1991-10-11 | 1993-04-15 | Verifone, Inc. | Dispensing machine with data card scanner apparatus and enhanced features |
US5557518A (en) | 1994-04-28 | 1996-09-17 | Citibank, N.A. | Trusted agents for open electronic commerce |
US5453601A (en) | 1991-11-15 | 1995-09-26 | Citibank, N.A. | Electronic-monetary system |
US5585787A (en) | 1991-12-09 | 1996-12-17 | Wallerstein; Robert S. | Programmable credit card |
US5226989A (en) | 1991-12-16 | 1993-07-13 | Texas Instruments Incorporated | Method for reducing thickness of a titanium foil or thin strip element |
US5607522A (en) | 1991-12-19 | 1997-03-04 | Texas Instruments Incorporated | Method of making electrical contact material |
EP0549832B1 (en) | 1991-12-30 | 1997-04-23 | Texas Instruments Incorporated | Built-in chip transponder with antenna coil |
US5428210A (en) | 1992-01-10 | 1995-06-27 | National Bancard Corporation | Data card terminal with embossed character reader and signature capture |
US5222282A (en) | 1992-01-13 | 1993-06-29 | Texas Instruments Incorporated | Method for reducing thickness of a high-strength low-ductility metal foil on thin strip element |
JPH05193291A (en) | 1992-01-16 | 1993-08-03 | Hitachi Maxell Ltd | Infrared light absorption mark printed matter |
CN1027472C (en) | 1992-01-27 | 1995-01-18 | 富士通株式会社 | Character generating method and apparatus |
DE69220029T2 (en) | 1992-02-05 | 1997-09-18 | Texas Instruments Inc | Method for producing a flat, flexible antenna core for a chip transponder, built into a card or similar object, and an antenna core produced in this way |
US5608203A (en) | 1992-02-12 | 1997-03-04 | Finkelstein; Alan | Credit card with magnifying lens |
TW236016B (en) | 1992-02-29 | 1994-12-11 | Leonhard Kurz & Co | |
JPH05254283A (en) | 1992-03-10 | 1993-10-05 | Omron Corp | Optical card and reader thereof |
US5774882A (en) | 1992-03-12 | 1998-06-30 | Keen; Regina D. | Credit approval system |
DE69331006D1 (en) | 1992-03-30 | 2001-11-29 | Telstra Corp Ltd | SECRET TRANSFER METHOD AND SYSTEM |
JP2520346B2 (en) | 1992-04-28 | 1996-07-31 | 日本発条株式会社 | Object identification structure |
US5865470A (en) | 1992-05-12 | 1999-02-02 | Thompson; Kenneth | Peel off coupon redemption card with microprocessor chip and tracking system |
US5900954A (en) | 1992-06-01 | 1999-05-04 | Symbol Technologies, Inc. | Machine readable record carrier with hologram |
US5856048A (en) | 1992-07-27 | 1999-01-05 | Dai Nippon Printing Co., Ltd. | Information-recorded media and methods for reading the information |
US5665439A (en) | 1992-08-11 | 1997-09-09 | E. Khashoggi Industries | Articles of manufacture fashioned from hydraulically settable sheets |
GB9220413D0 (en) | 1992-09-28 | 1992-11-11 | Texas Instruments Holland | An antenna system |
GB9220412D0 (en) | 1992-09-28 | 1992-11-11 | Texas Instruments Holland | Transponder systems for automatic identification purposes |
CA2100134C (en) | 1992-09-29 | 1999-06-22 | Raymond Otto Colbert | Secure credit/debit card authorization |
US5479494A (en) | 1992-10-05 | 1995-12-26 | At&T Corp. | Virtual calling card system |
US5331138A (en) | 1992-11-03 | 1994-07-19 | American Magnetics Corp. | Hybrid card reader |
EP0596162B1 (en) | 1992-11-06 | 2002-08-21 | Texas Instruments Incorporated | hypodermic needle with a protrusion |
MY109809A (en) | 1992-11-18 | 1997-07-31 | British Tech Group Ltd | Detection of multiple articles |
US5311679A (en) | 1992-11-24 | 1994-05-17 | Birch Sr John A | Shoe pocket |
US5450088A (en) | 1992-11-25 | 1995-09-12 | Texas Instruments Deutschland Gmbh | Transponder arrangement |
US5350906A (en) | 1992-11-25 | 1994-09-27 | Brody Bill E | Currency transfer system and method using fixed limit cards |
US6192255B1 (en) | 1992-12-15 | 2001-02-20 | Texas Instruments Incorporated | Communication system and methods for enhanced information transfer |
US5396251A (en) | 1992-12-15 | 1995-03-07 | Texas Instruments Deutschland Gmbh | Electronic transponder tuning procedure |
US5581630A (en) | 1992-12-21 | 1996-12-03 | Texas Instruments Incorporated | Personal identification |
US5279019A (en) | 1992-12-29 | 1994-01-18 | Knickle James P | Credit card and money carrying device |
US5638080A (en) | 1993-01-22 | 1997-06-10 | Texas Instruments Incorporated | Manufacture of a flexible antenna, with or without an inner permeable magnetic layer |
US5613131A (en) | 1993-01-29 | 1997-03-18 | Microsoft Corporation | Auto-formatting of tables in a spreadsheet program |
JP3198183B2 (en) | 1993-02-02 | 2001-08-13 | 株式会社ジェーシービー | Plastic card with magnetic stripe |
US5983207A (en) | 1993-02-10 | 1999-11-09 | Turk; James J. | Electronic cash eliminating payment risk |
US6112191A (en) | 1993-02-18 | 2000-08-29 | Every Penny Counts, Inc. | Method and system to create and distribute excess funds from consumer spending transactions |
US5701127A (en) | 1993-02-23 | 1997-12-23 | Texas Instruments Incorporated | Automatic vehicle identification system capable of vehicle lane discrimination |
GB9306805D0 (en) | 1993-04-01 | 1993-05-26 | Jonhig Ltd | Smart card reader |
US5351142A (en) | 1993-04-16 | 1994-09-27 | Crown Roll Leaf, Inc. | Semi-transparent reflective layer for a phase hologram |
US5884292A (en) | 1993-05-06 | 1999-03-16 | Pitney Bowes Inc. | System for smart card funds refill |
EP0625714A1 (en) | 1993-05-19 | 1994-11-23 | Texas Instruments Deutschland Gmbh | Method of transmitting a data message stored in a transponder device to an interrogating device |
CA2123456C (en) | 1993-05-24 | 1998-09-15 | William Berson | Document authentication system utilizing a transparent label |
US6109525A (en) | 1993-05-28 | 2000-08-29 | Saab-Scania Combitech Akitiebolag | Method and device for registering vehicles in a road toll facility |
US5917168A (en) | 1993-06-02 | 1999-06-29 | Hewlett-Packard Company | System and method for revaluation of stored tokens in IC cards |
US5432518A (en) | 1993-06-15 | 1995-07-11 | Texas Instruments Incorporated | Closed slot antenna having outer and inner magnetic loops |
US5453747A (en) | 1993-06-28 | 1995-09-26 | Texas Instruments Deutschland Gmbh | Transponder systems for automatic identification purposes |
US5491715A (en) | 1993-06-28 | 1996-02-13 | Texas Instruments Deutschland Gmbh | Automatic antenna tuning method and circuit |
KR100214428B1 (en) | 1993-06-30 | 1999-08-02 | 후지무라 마사지카, 아키모토 유미 | Infrared ray cutoff material and infrared cutoff powder used for the same |
US6119099A (en) | 1997-03-21 | 2000-09-12 | Walker Asset Management Limited Partnership | Method and system for processing supplementary product sales at a point-of-sale terminal |
US6050605A (en) | 1993-07-07 | 2000-04-18 | Mikelionis; Raymond J. | Wallet card with sleeve adapted for receipt of elongated functional member |
US5844230A (en) | 1993-08-09 | 1998-12-01 | Lalonde; Michael G. | Information card |
US5407893A (en) | 1993-08-19 | 1995-04-18 | Konica Corporation | Material for making identification cards |
US5649118A (en) | 1993-08-27 | 1997-07-15 | Lucent Technologies Inc. | Smart card with multiple charge accounts and product item tables designating the account to debit |
US5541604A (en) | 1993-09-03 | 1996-07-30 | Texas Instruments Deutschland Gmbh | Transponders, Interrogators, systems and methods for elimination of interrogator synchronization requirement |
GB2281714B (en) | 1993-09-07 | 1996-11-27 | Baratin Ltd | A card for use for example in a retail credit scheme |
US5538135A (en) | 1993-09-14 | 1996-07-23 | Cui, Inc. | Dual-medium articles, including hinged articles |
US5677953A (en) | 1993-09-14 | 1997-10-14 | Spyrus, Inc. | System and method for access control for portable data storage media |
US5544246A (en) | 1993-09-17 | 1996-08-06 | At&T Corp. | Smartcard adapted for a plurality of service providers and for remote installation of same |
US5557279A (en) | 1993-09-28 | 1996-09-17 | Texas Instruments Incorporated | Unitarily-tuned transponder/shield assembly |
JPH085731A (en) | 1993-10-04 | 1996-01-12 | Texas Instr Deutschland Gmbh | Determination of position of rf -id transponder |
US5575094A (en) | 1993-10-19 | 1996-11-19 | Leake; Michael J. | Greeting card and picture frame combination |
EP0650074A1 (en) | 1993-10-22 | 1995-04-26 | Texas Instruments Holland B.V. | Highly accurate RF-ID positioning system |
USRE36365E (en) | 1993-10-25 | 1999-11-02 | Visa International Service Association | Method and apparatus for distributing currency |
US5477038A (en) | 1993-10-25 | 1995-12-19 | Visa International | Method and apparatus for distributing currency |
EP0650216B1 (en) | 1993-10-26 | 2000-01-19 | Texas Instruments Deutschland Gmbh | Antenna circuit |
US5930776A (en) | 1993-11-01 | 1999-07-27 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
US5920847A (en) | 1993-11-01 | 1999-07-06 | Visa International Service Association | Electronic bill pay system |
DE4339460C1 (en) | 1993-11-19 | 1995-04-06 | Siemens Ag | Method for authenticating a system part by another system part of an information transmission system according to the challenge and response principle |
FR2713419B1 (en) | 1993-12-02 | 1996-07-05 | Gemplus Card Int | Method for generating DSA signatures with low cost portable devices. |
DE69312720T3 (en) | 1993-12-10 | 2003-11-27 | Agfa Gevaert Nv | Security document with a clear or translucent support and with interference pigments contained therein |
DE69431306T2 (en) | 1993-12-16 | 2003-05-15 | Open Market Inc | NETWORK-BASED PAYMENT SYSTEM AND METHOD FOR USING SUCH A SYSTEM |
US5578808A (en) | 1993-12-22 | 1996-11-26 | Datamark Services, Inc. | Data card that can be used for transactions involving separate card issuers |
US5530232A (en) | 1993-12-22 | 1996-06-25 | Datamark Services, Inc. | Multi-application data card |
US5826243A (en) | 1994-01-03 | 1998-10-20 | Merrill Lynch & Co., Inc. | Integrated system for controlling master account and nested subaccount(s) |
US5491483A (en) | 1994-01-05 | 1996-02-13 | Texas Instruments Incorporated | Single loop transponder system and method |
US5434919A (en) | 1994-01-11 | 1995-07-18 | Chaum; David | Compact endorsement signature systems |
US5478629A (en) | 1994-01-21 | 1995-12-26 | Gencorp Inc. | Polymeric sheets and laminas having high flexural durability |
US5606594A (en) | 1994-01-27 | 1997-02-25 | Dell Usa, L.P. | Communication accessory and method of telecommunicating for a PDA |
GB9401924D0 (en) | 1994-02-01 | 1994-03-30 | Jonhig Ltd | System for road toll payment |
WO1995021428A1 (en) | 1994-02-04 | 1995-08-10 | Card One Development Company | Method and system for allocating and redeeming incentive credits |
US5557516A (en) | 1994-02-04 | 1996-09-17 | Mastercard International | System and method for conducting cashless transactions |
DE4403753C1 (en) | 1994-02-08 | 1995-07-20 | Angewandte Digital Elektronik | Combined chip card |
US5461386A (en) | 1994-02-08 | 1995-10-24 | Texas Instruments Incorporated | Inductor/antenna for a recognition system |
US5552789A (en) | 1994-02-14 | 1996-09-03 | Texas Instruments Deutschland Gmbh | Integrated vehicle communications system |
FR2728981A1 (en) | 1994-12-28 | 1996-07-05 | Gemplus Card Int | METHOD FOR IMPLEMENTING A PRIVATE KEY COMMUNICATION PROTOCOL BETWEEN TWO PROCESSING DEVICES |
JPH07271939A (en) | 1994-03-30 | 1995-10-20 | Mitsubishi Denki Semiconductor Software Kk | Non-contact ic card, card reader/writer and card device |
US5450087A (en) | 1994-04-06 | 1995-09-12 | Texas Instruments Incorporated | Transponder maintenance mode method |
US5471212A (en) * | 1994-04-26 | 1995-11-28 | Texas Instruments Incorporated | Multi-stage transponder wake-up, method and structure |
US5488376A (en) | 1994-04-26 | 1996-01-30 | Texas Instruments Incorporated | Transponder interface circuit |
US5917925A (en) | 1994-04-14 | 1999-06-29 | Moore; Lewis J. | System for dispensing, verifying and tracking postage and other information on mailpieces |
US5537314A (en) | 1994-04-18 | 1996-07-16 | First Marketrust Intl. | Referral recognition system for an incentive award program |
US5799087A (en) | 1994-04-28 | 1998-08-25 | Citibank, N.A. | Electronic-monetary system |
US6088797A (en) | 1994-04-28 | 2000-07-11 | Rosen; Sholom S. | Tamper-proof electronic processing device |
US5500513A (en) | 1994-05-11 | 1996-03-19 | Visa International | Automated purchasing control system |
US5792337A (en) | 1994-05-12 | 1998-08-11 | Texas Instruments Incorporated | Method and apparatus for detection of corrosion |
US5878215A (en) | 1994-05-23 | 1999-03-02 | Mastercard International Incorporated | System and method for processing multiple electronic transaction requests |
FR2720848B1 (en) | 1994-06-03 | 1996-07-26 | Gemplus Card Int | Method of conducting a transaction between a smart card and an information system. |
US5577109A (en) | 1994-06-06 | 1996-11-19 | Call Processing, Inc. | Pre-paid card system and method |
US5577121A (en) | 1994-06-09 | 1996-11-19 | Electronic Payment Services, Inc. | Transaction system for integrated circuit cards |
US5785680A (en) | 1994-06-13 | 1998-07-28 | Texas Instruments Incorporated | Injector and object to be injected by the injector |
US5673106A (en) | 1994-06-17 | 1997-09-30 | Texas Instruments Incorporated | Printing system with self-monitoring and adjustment |
US6925439B1 (en) | 1994-06-20 | 2005-08-02 | C-Sam, Inc. | Device, system and methods of conducting paperless transactions |
US5590038A (en) * | 1994-06-20 | 1996-12-31 | Pitroda; Satyan G. | Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions |
US5506395A (en) | 1994-06-22 | 1996-04-09 | William C. Eppley | Multi-access card and card holder with a plurality of machine readable service access codes placed thereon |
US5668876A (en) | 1994-06-24 | 1997-09-16 | Telefonaktiebolaget Lm Ericsson | User authentication method and apparatus |
US5500651A (en) | 1994-06-24 | 1996-03-19 | Texas Instruments Incorporated | System and method for reading multiple RF-ID transponders |
US5621396A (en) | 1994-06-30 | 1997-04-15 | Texas Instruments Incorporated | Method and apparatus with adaptive transponder plucking |
US5597534A (en) | 1994-07-05 | 1997-01-28 | Texas Instruments Deutschland Gmbh | Apparatus for wireless chemical sensing |
US5625370A (en) | 1994-07-25 | 1997-04-29 | Texas Instruments Incorporated | Identification system antenna with impedance transformer |
US5489908A (en) | 1994-07-27 | 1996-02-06 | Texas Instruments Deutschland Gmbh | Apparatus and method for identifying multiple transponders |
US5600175A (en) | 1994-07-27 | 1997-02-04 | Texas Instruments Incorporated | Apparatus and method for flat circuit assembly |
US5602538A (en) | 1994-07-27 | 1997-02-11 | Texas Instruments Incorporated | Apparatus and method for identifying multiple transponders |
US5629981A (en) | 1994-07-29 | 1997-05-13 | Texas Instruments Incorporated | Information management and security system |
JP4095680B2 (en) | 1994-08-01 | 2008-06-04 | 富士通株式会社 | Security management method for card type storage device and card type storage device |
US5875432A (en) | 1994-08-05 | 1999-02-23 | Sehr; Richard Peter | Computerized voting information system having predefined content and voting templates |
US5569187A (en) | 1994-08-16 | 1996-10-29 | Texas Instruments Incorporated | Method and apparatus for wireless chemical supplying |
US5550536A (en) | 1994-08-17 | 1996-08-27 | Texas Instruments Deutschland Gmbh | Circuit frequency following technique transponder resonant |
US5490079A (en) | 1994-08-19 | 1996-02-06 | Texas Instruments Incorporated | System for automated toll collection assisted by GPS technology |
US5544255A (en) | 1994-08-31 | 1996-08-06 | Peripheral Vision Limited | Method and system for the capture, storage, transport and authentication of handwritten signatures |
US5797133A (en) | 1994-08-31 | 1998-08-18 | Strategic Solutions Group, Inc | Method for automatically determining the approval status of a potential borrower |
US6091835A (en) | 1994-08-31 | 2000-07-18 | Penop Limited | Method and system for transcribing electronic affirmations |
DE4431605C2 (en) | 1994-09-05 | 1998-06-04 | Siemens Ag | Method for producing a chip card module for contactless chip cards |
JPH0875919A (en) | 1994-09-07 | 1996-03-22 | Kureha Chem Ind Co Ltd | Optical filter made of acrylic resin |
US5826241A (en) | 1994-09-16 | 1998-10-20 | First Virtual Holdings Incorporated | Computerized system for making payments and authenticating transactions over the internet |
US5608778A (en) | 1994-09-22 | 1997-03-04 | Lucent Technologies Inc. | Cellular telephone as an authenticated transaction controller |
US5841364A (en) | 1994-10-07 | 1998-11-24 | Texas Instruments Incorporated | Method and apparatus for transfering information from a transponder |
DE19507144A1 (en) | 1994-10-18 | 1996-04-25 | Giesecke & Devrient Gmbh | Multi-layer data carrier with cover layers made of modified PET |
US5715314A (en) | 1994-10-24 | 1998-02-03 | Open Market, Inc. | Network sales system |
US5592150A (en) | 1994-10-27 | 1997-01-07 | Texas Instruments Incorporated | Air coil and method of making the same |
US5563582A (en) | 1994-10-28 | 1996-10-08 | Texas Instruments Incorporated | Integrated air coil and capacitor and method of making the same |
JPH08123919A (en) | 1994-10-28 | 1996-05-17 | Mitsubishi Electric Corp | Noncontact ic card system and communication method thereof |
GB9422803D0 (en) | 1994-11-11 | 1995-01-04 | At & T Global Inf Solution | A card reader |
US5525992A (en) | 1994-11-14 | 1996-06-11 | Texas Instruments Deutschland Gmbh | Method and system for conserving power in a recognition system |
US5748737A (en) | 1994-11-14 | 1998-05-05 | Daggar; Robert N. | Multimedia electronic wallet with generic card |
US6154879A (en) | 1994-11-28 | 2000-11-28 | Smarttouch, Inc. | Tokenless biometric ATM access system |
US5764789A (en) | 1994-11-28 | 1998-06-09 | Smarttouch, Llc | Tokenless biometric ATM access system |
US6012039A (en) | 1994-11-28 | 2000-01-04 | Smarttouch, Inc. | Tokenless biometric electronic rewards system |
US5613012A (en) | 1994-11-28 | 1997-03-18 | Smarttouch, Llc. | Tokenless identification system for authorization of electronic transactions and electronic transmissions |
US6006069A (en) | 1994-11-28 | 1999-12-21 | Bosch Telecom Gmbh | Point-to-multipoint communications system |
US6269348B1 (en) | 1994-11-28 | 2001-07-31 | Veristar Corporation | Tokenless biometric electronic debit and credit transactions |
US6366682B1 (en) | 1994-11-28 | 2002-04-02 | Indivos Corporation | Tokenless electronic transaction system |
US6397198B1 (en) | 1994-11-28 | 2002-05-28 | Indivos Corporation | Tokenless biometric electronic transactions using an audio signature to identify the transaction processor |
US7613659B1 (en) | 1994-11-28 | 2009-11-03 | Yt Acquisition Corporation | System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse |
US6230148B1 (en) | 1994-11-28 | 2001-05-08 | Veristar Corporation | Tokenless biometric electric check transaction |
JPH08209994A (en) | 1994-11-30 | 1996-08-13 | Texas Instr Inc <Ti> | Key lock and its preparation |
US5497121A (en) | 1994-11-30 | 1996-03-05 | Texas Instruments Incorporated | Automatically correcting data detection circuit and method for FSK modulated signals |
EP0715043B1 (en) | 1994-11-30 | 2003-07-23 | Texas Instruments Incorporated | A key having an air coil antenna and a method of construction |
US5513272A (en) | 1994-12-05 | 1996-04-30 | Wizards, Llc | System for verifying use of a credit/identification card including recording of physical attributes of unauthorized users |
US5592767A (en) | 1994-12-05 | 1997-01-14 | Treske; Dieter | Holder for identification cards |
US20040011877A1 (en) | 2002-07-19 | 2004-01-22 | Reppermund Hans U. | System for a card having data embedded therein |
US5705798A (en) | 1994-12-16 | 1998-01-06 | Mastercard International Inc. | System and method for processing a customized financial transaction card |
DE69517778T2 (en) | 1994-12-21 | 2000-11-23 | Mitsui Chemicals Inc | Near infrared absorber, its manufacturing process and its use |
DE4446368A1 (en) | 1994-12-23 | 1996-06-27 | Giesecke & Devrient Gmbh | Data carrier with an optically variable element |
US5857079A (en) | 1994-12-23 | 1999-01-05 | Lucent Technologies Inc. | Smart card for automatic financial records |
US5614703A (en) | 1995-01-05 | 1997-03-25 | Martin; Jay R. | Hotel check-in system with wireless communication |
US5915023A (en) | 1997-01-06 | 1999-06-22 | Bernstein; Robert | Automatic portable account controller for remotely arranging for transfer of value to a recipient |
JPH08307308A (en) | 1995-01-12 | 1996-11-22 | Texas Instr Deutschland Gmbh | Charging capacitor discharge controller in transponder |
EP0721850A3 (en) | 1995-01-12 | 1997-02-05 | De La Rue Thomas & Co Ltd | Security document |
US5660319A (en) | 1995-01-17 | 1997-08-26 | Texas Instruments Incorporated | Ultrasonic bonding process |
US5835894A (en) | 1995-01-19 | 1998-11-10 | Ann Adcock Corporation | Speaker and command verification method |
US5577100A (en) | 1995-01-30 | 1996-11-19 | Telemac Cellular Corporation | Mobile phone with internal accounting |
US5604801A (en) * | 1995-02-03 | 1997-02-18 | International Business Machines Corporation | Public key data communications system under control of a portable security device |
DE69637733D1 (en) | 1995-02-13 | 2008-12-11 | Intertrust Tech Corp | SYSTEMS AND METHOD FOR SAFE TRANSMISSION |
FI99071C (en) | 1995-02-15 | 1997-09-25 | Nokia Mobile Phones Ltd | Procedure for use of applications in a mobile telephone as well as a mobile telephone |
US6771981B1 (en) | 2000-08-02 | 2004-08-03 | Nokia Mobile Phones Ltd. | Electronic device cover with embedded radio frequency (RF) transponder and methods of using same |
US5991410A (en) | 1995-02-15 | 1999-11-23 | At&T Wireless Services, Inc. | Wireless adaptor and wireless financial transaction system |
US5689100A (en) | 1995-03-21 | 1997-11-18 | Martiz, Inc. | Debit card system and method for implementing incentive award program |
US5559317A (en) | 1995-03-27 | 1996-09-24 | International Verifact Inc. | Card reader with carriage powered by movement of inserted card |
US5594227A (en) | 1995-03-28 | 1997-01-14 | Microsoft Corporation | System and method for protecting unauthorized access to data contents |
US5715399A (en) | 1995-03-30 | 1998-02-03 | Amazon.Com, Inc. | Secure method and system for communicating a list of credit card numbers over a non-secure network |
JP3519491B2 (en) | 1995-03-31 | 2004-04-12 | 株式会社東海理化電機製作所 | IC card |
US5679945A (en) | 1995-03-31 | 1997-10-21 | Cybermark, L.L.C. | Intelligent card reader having emulation features |
US5621199A (en) | 1995-04-03 | 1997-04-15 | Datalogic, Inc. | RFID reader |
US5602919A (en) | 1995-04-10 | 1997-02-11 | Texas Instruments Incorporated | Speedup for monetary transactions using a transponder in conjunction with a smartcard |
US6725202B1 (en) * | 1995-04-10 | 2004-04-20 | Texas Instruments Incorporated | Transaction accounting of toll transactions in transponder systems |
US6317721B1 (en) * | 1995-04-10 | 2001-11-13 | Texas Instruments Incorporated | Transaction accounting of toll transactions in transponder systems |
JP2814477B2 (en) | 1995-04-13 | 1998-10-22 | ソニーケミカル株式会社 | Non-contact IC card and method of manufacturing the same |
US5729236A (en) | 1995-04-28 | 1998-03-17 | Texas Instruments Incorporated | Identification system reader with multiplexed antennas |
KR100420885B1 (en) | 1995-04-28 | 2004-06-04 | 코닌클리케 필립스 일렉트로닉스 엔.브이. | Wireless communication system for reliable communication between a group of apparatuses |
US5577120A (en) | 1995-05-01 | 1996-11-19 | Lucent Technologies Inc. | Method and apparatus for restrospectively identifying an individual who had engaged in a commercial or retail transaction or the like |
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 |
US6424249B1 (en) | 1995-05-08 | 2002-07-23 | Image Data, Llc | Positive identity verification system and method including biometric user authentication |
US20020138351A1 (en) | 1995-05-08 | 2002-09-26 | Image Data, Llc | Positive identification system and method |
US5697649A (en) | 1995-05-11 | 1997-12-16 | Crane & Co., Inc. | Articles employing a magnetic security feature |
GB9509582D0 (en) | 1995-05-11 | 1995-07-05 | Jonhig Ltd | Value transfer system |
PL323313A1 (en) | 1995-05-15 | 1998-03-16 | Mondex Int Ltd | System for transfering securities and other valueables with reproduction of each transaction |
US5880675A (en) | 1995-05-19 | 1999-03-09 | Texas Instruments Incorporated | Reusable package for identification devices |
CA2150215C (en) | 1995-05-25 | 2003-02-25 | John Xidos | Distributed gaming system |
US5694596A (en) | 1995-05-25 | 1997-12-02 | Kangaroo, Inc. | On-line database updating network system and method |
US5708422A (en) * | 1995-05-31 | 1998-01-13 | At&T | Transaction authorization and alert system |
EP1376460B1 (en) * | 1995-06-02 | 2008-04-09 | Nxp B.V. | Chip card |
US5692132A (en) | 1995-06-07 | 1997-11-25 | Mastercard International, Inc. | System and method for conducting cashless transactions on a computer network |
US5942761A (en) | 1995-06-07 | 1999-08-24 | Tuli; Raja Singh | Enhancement methods and devices for reading a fingerprint image |
US5924624A (en) | 1995-06-07 | 1999-07-20 | Crane Productions, Inc. | Magnetic pocket frame |
FR2735261B1 (en) | 1995-06-08 | 1997-07-11 | France Telecom | METHOD OF MAKING A PAYMENT USING AN ACCOUNT MANAGER |
US5742845A (en) | 1995-06-22 | 1998-04-21 | Datascape, Inc. | System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network |
US5790677A (en) | 1995-06-29 | 1998-08-04 | Microsoft Corporation | System and method for secure electronic commerce transactions |
US5794221A (en) | 1995-07-07 | 1998-08-11 | Egendorf; Andrew | Internet billing method |
US6115458A (en) | 1995-07-14 | 2000-09-05 | American Express Travel Related Services Company, Inc. | Method and apparatus for summaries of prepaid instrument transaction activity |
WO1997004422A1 (en) | 1995-07-18 | 1997-02-06 | Philips Electronics N.V. | Data transmission system between at least one write-read station and several data carriers |
JP2776409B2 (en) | 1995-08-02 | 1998-07-16 | 日本電気株式会社 | Classification device for skin pattern and fingerprint pattern |
US5956024A (en) | 1995-08-08 | 1999-09-21 | Continental Cablevision, Inc. | Graphical user interface for customer service representatives for subscriber management systems |
US5786587A (en) | 1995-08-10 | 1998-07-28 | American Bank Note Holographics, Inc. | Enhancement of chip card security |
US5640002A (en) | 1995-08-15 | 1997-06-17 | Ruppert; Jonathan Paul | Portable RF ID tag and barcode reader |
US5852812A (en) | 1995-08-23 | 1998-12-22 | Microsoft Corporation | Billing system for a network |
US5826244A (en) | 1995-08-23 | 1998-10-20 | Xerox Corporation | Method and system for providing a document service over a computer network using an automated brokered auction |
US5878141A (en) | 1995-08-25 | 1999-03-02 | Microsoft Corporation | Computerized purchasing system and method for mediating purchase transactions over an interactive network |
US5768385A (en) | 1995-08-29 | 1998-06-16 | Microsoft Corporation | Untraceable electronic cash |
JPH0973487A (en) | 1995-09-01 | 1997-03-18 | Fujitsu Ltd | System and method for content proceeds distribution |
US5815252A (en) | 1995-09-05 | 1998-09-29 | Canon Kabushiki Kaisha | Biometric identification process and system utilizing multiple parameters scans for reduction of false negatives |
US5878403A (en) | 1995-09-12 | 1999-03-02 | Cmsi | Computer implemented automated credit application analysis and decision routing system |
US5721781A (en) | 1995-09-13 | 1998-02-24 | Microsoft Corporation | Authentication system and method for smart card transactions |
US6198762B1 (en) | 1996-09-26 | 2001-03-06 | Yuri Krasnov | Supersonic and subsonic laser with RF discharge excitation |
US5663553A (en) | 1995-09-27 | 1997-09-02 | Intel Corporation | Mass storage device adapter for smart cards |
US5859419A (en) | 1995-09-28 | 1999-01-12 | Sol H. Wynn | Programmable multiple company credit card system |
US5748740A (en) | 1995-09-29 | 1998-05-05 | Dallas Semiconductor Corporation | Method, apparatus, system and firmware for secure transactions |
US5883377A (en) | 1995-11-20 | 1999-03-16 | International Card Technologies, Inc. | Multiple magnetic stripe transaction cards and systems for the utilization thereof |
EP0797170A4 (en) | 1995-10-05 | 1999-11-24 | Fujitsu Denso | Fingerprint registration method and fingerprint collation apparatus |
US5774670A (en) | 1995-10-06 | 1998-06-30 | Netscape Communications Corporation | Persistent client state in a hypertext transfer protocol based client-server system |
US6029175A (en) * | 1995-10-26 | 2000-02-22 | Teknowledge Corporation | Automatic retrieval of changed files by a network software agent |
US5699528A (en) | 1995-10-31 | 1997-12-16 | Mastercard International, Inc. | System and method for bill delivery and payment over a communications network |
US5757917A (en) | 1995-11-01 | 1998-05-26 | First Virtual Holdings Incorporated | Computerized payment system for purchasing goods and services on the internet |
US5737710A (en) | 1995-11-07 | 1998-04-07 | Amtech Corporation | Automated vehicle parking system for a plurality of remote parking facilities |
US5796832A (en) | 1995-11-13 | 1998-08-18 | Transaction Technology, Inc. | Wireless transaction and information system |
US20030177347A1 (en) | 1995-11-22 | 2003-09-18 | Bruce Schneier | Methods and apparatus for awarding prizes based on authentication of computer generated outcomes using coupons |
EP0876251B1 (en) | 1995-12-05 | 2000-08-02 | Sherbrooke Securities Limited | Charge card |
KR970066968A (en) | 1995-12-06 | 1997-10-13 | 히로아키 고하라 | How to issue a service right in commodity trading using a communication line |
US6088686A (en) | 1995-12-12 | 2000-07-11 | Citibank, N.A. | System and method to performing on-line credit reviews and approvals |
US5774870A (en) | 1995-12-14 | 1998-06-30 | Netcentives, Inc. | Fully integrated, on-line interactive frequency and award redemption program |
JP3133243B2 (en) | 1995-12-15 | 2001-02-05 | 株式会社エヌケーインベストメント | Online shopping system |
FR2742621B1 (en) | 1995-12-19 | 1998-01-09 | Alcatel Mobile Comm France | IDENTIFICATION CARD READING DEVICE |
US5978348A (en) | 1995-12-20 | 1999-11-02 | Canon Kabushiki Kaisha | Optical recording medium and process for production thereof |
US5602918A (en) * | 1995-12-22 | 1997-02-11 | Virtual Open Network Environment Corp. | Application level security system and method |
EP0782214B1 (en) | 1995-12-22 | 2004-10-06 | Texas Instruments France | Ring antennas for resonant cicuits |
US6014634A (en) | 1995-12-26 | 2000-01-11 | Supermarkets Online, Inc. | System and method for providing shopping aids and incentives to customers through a computer network |
US5798709A (en) | 1996-01-03 | 1998-08-25 | Texas Instruments Incorporated | Wireless transmitter carrier phase synchronization |
EP0784301B1 (en) | 1996-01-08 | 2002-10-16 | Jürgen Dethloff | Method and system for the payment of services and portable data carrier to be used in such a system |
US20010013546A1 (en) | 1996-01-09 | 2001-08-16 | Ross William Leslie | Identification system |
US6016482A (en) | 1996-01-11 | 2000-01-18 | Merrill Lynch & Co., Inc. | Enhanced collateralized funding processor |
ES2174050T3 (en) | 1996-01-12 | 2002-11-01 | Ibm | ANONYMOUS EXCHANGE AND INFORMATION SECURITY IN A NETWORK. |
US5700037A (en) | 1996-01-16 | 1997-12-23 | Keller; John A. | Security improved card |
US5613001A (en) | 1996-01-16 | 1997-03-18 | Bakhoum; Ezzat G. | Digital signature verification technology for smart credit card and internet applications |
US5793324A (en) | 1996-01-19 | 1998-08-11 | Texas Instruments Incorporated | Transponder signal collision avoidance system |
US5777903A (en) | 1996-01-22 | 1998-07-07 | Motorola, Inc. | Solar cell powered smart card with integrated display and interface keypad |
US6197396B1 (en) | 1996-01-27 | 2001-03-06 | Temtec, Inc. | Identification card strip assembly |
US6167236A (en) | 1996-01-31 | 2000-12-26 | Texas Instruments Deutschland, Gmbh | Damping modulation circuit for a full-duplex transponder |
EP0791706B1 (en) | 1996-01-31 | 2004-07-14 | Texas Instruments Deutschland Gmbh | Improvements in or relating to full-wave rectifiers |
GB9601924D0 (en) | 1996-01-31 | 1996-04-03 | Certicom Corp | Transaction verification protocol for smart cards |
EP0878775A4 (en) | 1996-02-02 | 2001-07-04 | Tokyo Mechatronics Co Ltd | Capacitive data card and reader thereof |
JP3068483B2 (en) | 1996-02-08 | 2000-07-24 | 株式会社東芝 | Pattern reading method and optical signal reading device |
DE19604876C1 (en) * | 1996-02-10 | 1997-09-04 | Deutsche Telekom Ag | Process for transaction control of electronic wallet systems |
US5878138A (en) | 1996-02-12 | 1999-03-02 | Microsoft Corporation | System and method for detecting fraudulent expenditure of electronic assets |
US5742756A (en) | 1996-02-12 | 1998-04-21 | Microsoft Corporation | System and method of using smart cards to perform security-critical operations requiring user authorization |
US6320394B1 (en) | 1996-02-14 | 2001-11-20 | Stmicroelectronics S.R.L. | Capacitive distance sensor |
US6076078A (en) | 1996-02-14 | 2000-06-13 | Carnegie Mellon University | Anonymous certified delivery |
US5987498A (en) | 1996-02-16 | 1999-11-16 | Atcom, Inc. | Credit card operated computer on-line service communication system |
US5963915A (en) | 1996-02-21 | 1999-10-05 | Infoseek Corporation | Secure, convenient and efficient system and method of performing trans-internet purchase transactions |
US5761306A (en) | 1996-02-22 | 1998-06-02 | Visa International Service Association | Key replacement in a public key cryptosystem |
US5948116A (en) | 1996-02-23 | 1999-09-07 | Texas Instruments Deutschland, Gmbh | Bit error correction algorithm |
US5838720A (en) | 1996-02-23 | 1998-11-17 | Teletransactions, Inc. | Transceiver control with sleep mode operation |
DE19606789C2 (en) | 1996-02-23 | 1998-07-09 | Orga Kartensysteme Gmbh | Plastic card with a mini chip card that can be removed from it |
US5979942A (en) | 1996-02-28 | 1999-11-09 | Ivicic; Zivko G. | Mechanical greeting card |
US5862325A (en) | 1996-02-29 | 1999-01-19 | Intermind Corporation | Computer-based communication system and method using metadata defining a control structure |
AU1987097A (en) | 1996-03-07 | 1997-09-22 | American Express Travel Related Services Company, Inc. | Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia |
US5932870A (en) | 1996-03-11 | 1999-08-03 | Pitney Bowes Inc. | Documents containing a magnetic strip with a bar code affixed thereto |
US6038551A (en) | 1996-03-11 | 2000-03-14 | Microsoft Corporation | System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer |
US5828044A (en) | 1996-03-14 | 1998-10-27 | Kookmin Credit Card Co., Ltd. | Non-contacting type radio frequency recognizing credit card system |
US6029147A (en) | 1996-03-15 | 2000-02-22 | Microsoft Corporation | Method and system for providing an interface for supporting multiple formats for on-line banking services |
US5970471A (en) | 1996-03-22 | 1999-10-19 | Charles E. Hill & Associates, Inc. | Virtual catalog and product presentation method and apparatus |
US6097292A (en) | 1997-04-01 | 2000-08-01 | Cubic Corporation | Contactless proximity automated data collection system and method |
US5778069A (en) | 1996-04-10 | 1998-07-07 | Microsoft Corporation | Non-biased pseudo random number generator |
US5889941A (en) | 1996-04-15 | 1999-03-30 | Ubiq Inc. | System and apparatus for smart card personalization |
US5991608A (en) | 1996-04-16 | 1999-11-23 | U.S. Phillips Corporation | Portable communication device with optimized transmission loss |
DE69737785T2 (en) | 1996-04-18 | 2008-02-07 | Kanebo Trinity Holdings, Ltd. | NEAR INFRARED RADIATION ABSORBING FILM AND MULTILAYERED COMPOSITE PANEL THEREFORE EQUIPPED |
US6014645A (en) | 1996-04-19 | 2000-01-11 | Block Financial Corporation | Real-time financial card application 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 |
US6016484A (en) | 1996-04-26 | 2000-01-18 | Verifone, Inc. | System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment |
US5963924A (en) | 1996-04-26 | 1999-10-05 | Verifone, Inc. | System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce |
US5987140A (en) | 1996-04-26 | 1999-11-16 | Verifone, Inc. | System, method and article of manufacture for secure network electronic payment and credit collection |
JP3866376B2 (en) | 1996-05-02 | 2007-01-10 | テキサス インスツルメンツ インコーポレイテツド | How to make only copyrighted material available for playback and use in a digital media system |
US5825007A (en) | 1996-05-06 | 1998-10-20 | Jesadanont; Mongkol | Automatic non-computer network no-stop collection of expressway tolls by prepaid cards and method: pay according to category of vehicle and the distance it travels |
US5748137A (en) | 1996-05-08 | 1998-05-05 | Texas Instruments Incorporated | Wireless flywheel synchronization method |
US5838257A (en) | 1996-05-24 | 1998-11-17 | Trw Inc. | Keyless vehicle entry system employing portable transceiver having low power consumption |
US5924080A (en) | 1996-05-28 | 1999-07-13 | Incredicard Llc | Computerized discount redemption system |
US6092198A (en) | 1997-02-25 | 2000-07-18 | International Business Machines Corporation | System and method for enabling and controlling anonymous file transfer protocol communications |
US5823359A (en) | 1996-05-30 | 1998-10-20 | Sterling Plastics Co. | Desktop vertical file assembly |
US5739512A (en) | 1996-05-30 | 1998-04-14 | Sun Microsystems, Inc. | Digital delivery of receipts |
US5704046A (en) | 1996-05-30 | 1997-12-30 | Mastercard International Inc. | System and method for conducting cashless transactions |
US5988497A (en) | 1996-05-30 | 1999-11-23 | Mci Communications Corporation | Method for authenticating credit transactions to prevent fraudulent charges |
US5834756A (en) | 1996-06-03 | 1998-11-10 | Motorola, Inc. | Magnetically communicative card |
US5778173A (en) | 1996-06-12 | 1998-07-07 | At&T Corp. | Mechanism for enabling secure electronic transactions on the open internet |
US5884310A (en) | 1996-06-14 | 1999-03-16 | Electronic Data Systems Corporation | Distributed data integration method and system |
US6002767A (en) | 1996-06-17 | 1999-12-14 | Verifone, Inc. | System, method and article of manufacture for a modular gateway server architecture |
US6072870A (en) | 1996-06-17 | 2000-06-06 | Verifone Inc. | System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture |
US5983208A (en) | 1996-06-17 | 1999-11-09 | Verifone, Inc. | System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture |
FR2750274B1 (en) | 1996-06-21 | 1998-07-24 | Arditti David | PROCEDURE FOR TAKING INTO ACCOUNT A REQUEST FOR THE USE OF A VIRTUAL PREPAID CARD ALLOWING THE REUSE OF ITS SERIAL NUMBER |
US5731957A (en) | 1996-06-24 | 1998-03-24 | Texas Instruments Incorporated | Transponder including a fluid cushioning medium and a method for its production |
US6125352A (en) | 1996-06-28 | 2000-09-26 | Microsoft Corporation | System and method for conducting commerce over a distributed network |
US6073236A (en) | 1996-06-28 | 2000-06-06 | Sony Corporation | Authentication method, communication method, and information processing apparatus |
US5770843A (en) | 1996-07-02 | 1998-06-23 | Ncr Corporation | Access card for multiple accounts |
US5943624A (en) | 1996-07-15 | 1999-08-24 | Motorola, Inc. | Contactless smartcard for use in cellular telephone |
US5844218A (en) | 1996-07-16 | 1998-12-01 | Transaction Technology, Inc. | Method and system for using an application programmable smart card for financial transactions in multiple countries |
US5903880A (en) | 1996-07-19 | 1999-05-11 | Biffar; Peter C. | Self-contained payment system with circulating digital vouchers |
US5956693A (en) | 1996-07-19 | 1999-09-21 | Geerlings; Huib | Computer system for merchant communication to customers |
NL1003693C2 (en) | 1996-07-26 | 1998-01-28 | Nederland Ptt | Connector formed as a chip card, device for cooperation therewith and device provided thereof. |
US5874902A (en) | 1996-07-29 | 1999-02-23 | International Business Machines Corporation | Radio frequency identification transponder with electronic circuit enabling/disabling capability |
US5938010A (en) | 1996-08-06 | 1999-08-17 | Osterbye; Don | Multi-purpose holder device |
US5974238A (en) | 1996-08-07 | 1999-10-26 | Compaq Computer Corporation | Automatic data synchronization between a handheld and a host computer using pseudo cache including tags and logical data elements |
US5878337A (en) | 1996-08-08 | 1999-03-02 | Joao; Raymond Anthony | Transaction security apparatus and method |
US5854891A (en) | 1996-08-09 | 1998-12-29 | Tritheim Technologies, Inc. | Smart card reader having multiple data enabling storage compartments |
US6260026B1 (en) | 1996-08-12 | 2001-07-10 | Kabushiki Kaisha Media Marketing Network | Credit card information management system |
US5809142A (en) | 1996-08-14 | 1998-09-15 | Texas Instruments Incorporated | Method and system for calculating a user account balance in a recognition system |
US5918216A (en) | 1996-08-22 | 1999-06-29 | Microsoft Corporation | Automatic recognition of periods for financial transactions |
US5907620A (en) | 1996-08-23 | 1999-05-25 | Cheyenne Property Trust | Method and apparatus for enforcing the use of cryptography in an international cryptography framework |
US6104311A (en) | 1996-08-26 | 2000-08-15 | Addison Technologies | Information storage and identification tag |
US5727696A (en) | 1996-08-27 | 1998-03-17 | Southern Imperial, Inc. | Business card display holder |
USD384971S (en) | 1996-08-28 | 1997-10-14 | Transaction Technology, Inc. | Smart card with chip bearing a source identifier |
US5923884A (en) | 1996-08-30 | 1999-07-13 | Gemplus S.C.A. | System and method for loading applications onto a smart card |
US6041308A (en) | 1996-09-04 | 2000-03-21 | Priceline.Com Incorporated | System and method for motivating submission of conditional purchase offers |
US5979757A (en) | 1996-09-05 | 1999-11-09 | Symbol Technologies, Inc. | Method and system for presenting item information using a portable data terminal |
US5845267A (en) | 1996-09-06 | 1998-12-01 | At&T Corp | System and method for billing for transactions conducted over the internet from within an intranet |
NO963903D0 (en) | 1996-09-18 | 1996-09-18 | Gary A Mcconnell | Method of registering validation of a personal signature, compilation of databases for use in the method, an electronic writing device for signature registration and the use of methods and devices |
KR100451783B1 (en) | 1996-09-13 | 2004-10-08 | 오끼 덴끼 고오교 가부시끼가이샤 | Electronic transaction system |
WO1998012675A2 (en) | 1996-09-17 | 1998-03-26 | Sherry Brennan | Electronic card valet |
US6011487A (en) | 1996-09-17 | 2000-01-04 | Ncr Corporation | System and method of locating wireless devices |
US5789733A (en) | 1996-09-20 | 1998-08-04 | Motorola, Inc. | Smart card with contactless optical interface |
DE29616513U1 (en) | 1996-09-23 | 1996-12-05 | Raekchamnan Tongsai | Telephone note book with insert guide e.g. for a calling card |
US5930767A (en) | 1997-05-28 | 1999-07-27 | Motorola, Inc. | Transaction methods systems and devices |
US5931917A (en) | 1996-09-26 | 1999-08-03 | Verifone, Inc. | System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser |
US5859587A (en) | 1996-09-26 | 1999-01-12 | Sensormatic Electronics Corporation | Data communication and electronic article surveillance tag |
US5978840A (en) | 1996-09-26 | 1999-11-02 | Verifone, Inc. | System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architecture |
US5859779A (en) | 1996-10-02 | 1999-01-12 | Mobil Oil Corporation | Portable point-of sale terminal with device for inputting security code access key |
US5913203A (en) | 1996-10-03 | 1999-06-15 | Jaesent Inc. | System and method for pseudo cash transactions |
US5869822A (en) * | 1996-10-04 | 1999-02-09 | Meadows, Ii; Dexter L. | Automated fingerprint identification system |
US6029150A (en) | 1996-10-04 | 2000-02-22 | Certco, Llc | Payment and transactions in electronic commerce system |
US6021943A (en) * | 1996-10-09 | 2000-02-08 | Chastain; Robert H. | Process for executing payment transactions |
US5983200A (en) | 1996-10-09 | 1999-11-09 | Slotznick; Benjamin | Intelligent agent for executing delegated tasks |
US5953710A (en) | 1996-10-09 | 1999-09-14 | Fleming; Stephen S. | Children's credit or debit card system |
US6323566B1 (en) * | 1996-10-10 | 2001-11-27 | Texas Instruments Incorported | Transponder for remote keyless entry systems |
US5791474A (en) | 1996-10-15 | 1998-08-11 | Display Pack, Inc. | Wallet card package |
US6434159B1 (en) * | 1996-10-15 | 2002-08-13 | Motorola, Inc. | Transaction system and method therefor |
US5897622A (en) | 1996-10-16 | 1999-04-27 | Microsoft Corporation | Electronic shopping and merchandising system |
US5999914A (en) | 1996-10-16 | 1999-12-07 | Microsoft Corporation | Electronic promotion system for an electronic merchant system |
EP0932840A1 (en) | 1996-10-17 | 1999-08-04 | Pinpoint Corporation | Article tracking system |
US6070150A (en) | 1996-10-18 | 2000-05-30 | Microsoft Corporation | Electronic bill presentment and payment system |
US5920058A (en) | 1996-10-23 | 1999-07-06 | Weber; David C. | Holographic labeling and reading machine for authentication and security applications |
US6002438A (en) | 1996-10-25 | 1999-12-14 | Texas Instruments Incorporated | Method and apparatus for storing decoded video information |
US5737439A (en) | 1996-10-29 | 1998-04-07 | Smarttouch, Llc. | Anti-fraud biometric scanner that accurately detects blood flow |
EP0988150B1 (en) | 1996-11-05 | 2003-01-29 | Isotag Technology, Inc. | Security document and method using invisible coded markings |
US6268788B1 (en) | 1996-11-07 | 2001-07-31 | Litronic Inc. | Apparatus and method for providing an authentication system based on biometrics |
US5898783A (en) | 1996-11-14 | 1999-04-27 | Lucent Technologies, Inc. | System and method for employing a telecommunications network to remotely disable a SIM or smartcard |
JPH10143570A (en) * | 1996-11-15 | 1998-05-29 | Susumu Miyake | Electronic transfer method for individual information of credit card, and miniature ic card, adapter card, terminal adapter, slip issuing machine and portable terminal therefor |
US7207478B1 (en) * | 1999-11-30 | 2007-04-24 | Diebold, Incorporated | Check accepting and cash dispensing automated banking machine system and method |
US5825302A (en) | 1996-11-20 | 1998-10-20 | Texas Instruments Incorporated | System and method for transmitting data using reflected electromagnetic radiation |
US7062464B1 (en) | 1996-11-27 | 2006-06-13 | Diebold Incorporated | Automated banking machine and system |
FR2756648B1 (en) | 1996-11-29 | 1999-01-08 | Solaic Sa | NON-CONTACT TYPE MEMORY CARD |
US5950179A (en) | 1996-12-03 | 1999-09-07 | Providian Financial Corporation | Method and system for issuing a secured credit card |
US6086971A (en) | 1996-12-04 | 2000-07-11 | Temtec, Inc. | Identification card strip and ribbon assembly |
US5917913A (en) * | 1996-12-04 | 1999-06-29 | Wang; Ynjiun Paul | Portable electronic authorization devices and methods therefor |
US5991748A (en) | 1996-12-06 | 1999-11-23 | American Express Travel Related Services Company, Inc. | Methods and apparatus for regenerating a prepaid transaction account |
US5995898A (en) | 1996-12-06 | 1999-11-30 | Micron Communication, Inc. | RFID system in communication with vehicle on-board computer |
FR2756955B1 (en) | 1996-12-11 | 1999-01-08 | Schlumberger Ind Sa | METHOD FOR PRODUCING AN ELECTRONIC CIRCUIT FOR A CONTACTLESS MEMORY CARD |
US7287271B1 (en) | 1997-04-08 | 2007-10-23 | Visto Corporation | System and method for enabling secure access to services in a computer network |
ES2312172T3 (en) | 1996-12-18 | 2009-02-16 | Ncr International Inc. | SELF-SERVICE TERMINAL (SST) WITH MAINTENANCE FUNCTION. |
US6198728B1 (en) | 1996-12-19 | 2001-03-06 | Phillips Electronics North America Corp. | Medium access control (MAC) protocol for wireless ATM |
US6198875B1 (en) | 1996-12-20 | 2001-03-06 | Texas Instruments Incorporated | Tiris based bios for protection of “copyrighted” program material |
US5953512A (en) | 1996-12-31 | 1999-09-14 | Texas Instruments Incorporated | Microprocessor circuits, systems, and methods implementing a loop and/or stride predicting load target buffer |
US6216219B1 (en) | 1996-12-31 | 2001-04-10 | Texas Instruments Incorporated | Microprocessor circuits, systems, and methods implementing a load target buffer with entries relating to prefetch desirability |
US6230270B1 (en) | 1997-01-03 | 2001-05-08 | Texas Instruments Incorporated | Integrated circuit identification system |
US5920628A (en) | 1997-01-09 | 1999-07-06 | Washington University | Method and apparatus for fingerprinting and authenticating various magnetic media |
US5864306A (en) | 1997-01-17 | 1999-01-26 | Raytheon Company | Detection regions for transponder tracking |
CN1291324A (en) | 1997-01-31 | 2001-04-11 | T-内提克斯公司 | System and method for detecting a recorded voice |
US6331972B1 (en) | 1997-02-03 | 2001-12-18 | Motorola, Inc. | Personal data storage and transaction device system and method |
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 |
DE29702538U1 (en) | 1997-02-13 | 1997-04-03 | Pixyfoto Gmbh | ID card in the format of a credit or check card |
US5988510A (en) | 1997-02-13 | 1999-11-23 | Micron Communications, Inc. | Tamper resistant smart card and method of protecting data in a smart card |
CN1326351C (en) | 1997-02-14 | 2007-07-11 | 国有花旗银行 | Cyclotomic polynomial construction of discrete logarithm cryptosystem over finite fields |
FR2759795B1 (en) | 1997-02-14 | 1999-05-07 | Francois Charles Oberthur Fidu | METHOD FOR STORING DATA IN A WRITTEN CARD MEMORY |
US6058418A (en) | 1997-02-18 | 2000-05-02 | E-Parcel, Llc | Marketing data delivery system |
US5996076A (en) | 1997-02-19 | 1999-11-30 | Verifone, Inc. | System, method and article of manufacture for secure digital certification of electronic commerce |
US5857709A (en) | 1997-02-24 | 1999-01-12 | Chock; Ernest P. | Anticounterfeit documentation with see-through and write-able hologram |
US5960416A (en) | 1997-02-27 | 1999-09-28 | Block; Robert S. | Real time subscriber billing at a subscriber location in an unstructured communication network |
US6133834A (en) | 1997-03-06 | 2000-10-17 | Texas Instruments Deutschland, Gmbh | Method of trimming film type antennas |
JP2001514777A (en) | 1997-03-10 | 2001-09-11 | プレシジョン ダイナミクス コーポレイション | Reactively connected elements of a circuit provided on a flexible substrate |
US5915973A (en) | 1997-03-11 | 1999-06-29 | Sylvan Learning Systems, Inc. | System for administration of remotely-proctored, secure examinations and methods therefor |
US6112984A (en) | 1997-03-14 | 2000-09-05 | Snavely; John D. | Electronic wallet or purse with means for funds transfer |
GB2323329B (en) | 1997-03-19 | 2002-02-06 | Time & Data Syst Int | Identification card with concealed coding |
US6005942A (en) | 1997-03-24 | 1999-12-21 | Visa International Service Association | System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart card |
US5968570A (en) | 1997-04-04 | 1999-10-19 | Paulucci; Jeno F. | Folded pastry product |
US6064320A (en) | 1997-04-04 | 2000-05-16 | Texas Instruments Incorporated | Automatic vehicle identification system capable of vehicle lane discrimination |
US5955969A (en) | 1997-04-09 | 1999-09-21 | Texas Instruments Incorporated | Method to prevent rouge transponder responses in automatic vehicle identification systems |
KR100234317B1 (en) | 1997-04-10 | 1999-12-15 | 윤종용 | Method for downloading the chosen data on PDA |
FR2762119B1 (en) | 1997-04-11 | 1999-07-09 | Gemplus Card Int | SYSTEM OF TRANSFER OF DATA AND UNITS OF VALUE ON A NETWORK OF SLOT MACHINES |
US5912678A (en) | 1997-04-14 | 1999-06-15 | Texas Instruments Incorporated | Process flow design at the module effects level through the use of acceptability regions |
US5930777A (en) | 1997-04-15 | 1999-07-27 | Barber; Timothy P. | Method of charging for pay-per-access information over a network |
US6125192A (en) | 1997-04-21 | 2000-09-26 | Digital Persona, Inc. | Fingerprint recognition system |
US6012636A (en) | 1997-04-22 | 2000-01-11 | Smith; Frank E. | Multiple card data system having first and second memory elements including magnetic strip and fingerprints scanning means |
US5950174A (en) | 1997-04-25 | 1999-09-07 | At&T Corp. | Affiliation-based arrangement for billing |
US6282522B1 (en) | 1997-04-30 | 2001-08-28 | Visa International Service Association | Internet payment system using smart card |
US5970148A (en) | 1997-05-02 | 1999-10-19 | Texas Instruments Deutschland, Gmbh | Low cost encryption transponder |
US6297727B1 (en) | 1997-05-05 | 2001-10-02 | George N. Nelson, Jr. | Transponder identification and record assembly |
US6999936B2 (en) | 1997-05-06 | 2006-02-14 | Sehr Richard P | Electronic ticketing system and methods utilizing multi-service visitor cards |
US6014636A (en) | 1997-05-06 | 2000-01-11 | Lucent Technologies Inc. | Point of sale method and system |
CH691749A5 (en) | 1997-05-09 | 2001-09-28 | Njc Innovations | smartcard and RF transmission means to communicate with the smart card. |
US5970472A (en) | 1997-05-13 | 1999-10-19 | Fogdog Sports | Performing electronic commerce on the internet providing links from product manufacturers to authorized dealers where the authorized dealer provides a custom order interface for the manufacturer's products |
US6044388A (en) | 1997-05-15 | 2000-03-28 | International Business Machine Corporation | Pseudorandom number generator |
US6330544B1 (en) | 1997-05-19 | 2001-12-11 | Walker Digital, Llc | System and process for issuing and managing forced redemption vouchers having alias account numbers |
US6082422A (en) | 1997-06-03 | 2000-07-04 | Storus Corp. | Money clip and card holder |
US5949044A (en) | 1997-06-13 | 1999-09-07 | Walker Asset Management Limited Partnership | Method and apparatus for funds and credit line transfers |
US6085976A (en) | 1998-05-22 | 2000-07-11 | Sehr; Richard P. | Travel system and methods utilizing multi-application passenger cards |
US5945653A (en) * | 1997-06-26 | 1999-08-31 | Walker Asset Management Limited Partnership | System and method for establishing and executing functions to affect credit card accounts and transactions |
FI105637B (en) | 1997-07-02 | 2000-09-15 | Sonera Oyj | A method for managing applications stored on a subscriber identity module |
USD408054S (en) | 1997-07-02 | 1999-04-13 | Retail Royalty Company | Partially transparent card with opaque machine-readable and signature-receiving stripes |
AU8276398A (en) | 1997-07-03 | 1999-01-25 | Citicorp Development Center, Inc. | System and method for transferring value to a magnetic stripe on a transaction card |
US5970470A (en) | 1997-07-08 | 1999-10-19 | Walker Asset Management Limited Partnership | System and method for establishing and managing subscription purchase agreements including commitments to purchase goods over time at agreed upon prices |
US6000608A (en) * | 1997-07-10 | 1999-12-14 | Dorf; Robert E. | Multifunction card system |
US5929801A (en) | 1997-07-11 | 1999-07-27 | Texas Instruments Incorporated | Method for repeating interrogations until failing to receive unintelligible responses to identify plurality of transponders by an interrogator |
US6295522B1 (en) | 1997-07-11 | 2001-09-25 | Cybercash, Inc. | Stored-value card value acquisition method and apparatus |
US6006988A (en) | 1997-07-15 | 1999-12-28 | Behrmann; Bry E. | Non-cash media card and process of dispensing from automated teller |
US6078888A (en) | 1997-07-16 | 2000-06-20 | Gilbarco Inc. | Cryptography security for remote dispenser transactions |
JP3518266B2 (en) | 1997-07-18 | 2004-04-12 | 富士ゼロックス株式会社 | Table editing device |
US5963134A (en) * | 1997-07-24 | 1999-10-05 | Checkpoint Systems, Inc. | Inventory system using articles with RFID tags |
US6006216A (en) | 1997-07-29 | 1999-12-21 | Lucent Technologies Inc. | Data architecture for fetch-intensive database applications |
US5982914A (en) | 1997-07-29 | 1999-11-09 | Smarttouch, Inc. | Identification of individuals from association of finger pores and macrofeatures |
US6016476A (en) | 1997-08-11 | 2000-01-18 | International Business Machines Corporation | Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security |
CH689070A5 (en) | 1997-08-13 | 1998-08-31 | Bresch Peter | Key fob acting as car-park access card, for automatic charging for parking |
US6060815A (en) | 1997-08-18 | 2000-05-09 | X-Cyte, Inc. | Frequency mixing passive transponder |
US6014650A (en) | 1997-08-19 | 2000-01-11 | Zampese; David | Purchase management system and method |
US6003014A (en) | 1997-08-22 | 1999-12-14 | Visa International Service Association | Method and apparatus for acquiring access using a smart card |
EP0899703B1 (en) | 1997-08-25 | 2002-10-30 | Texas Instruments France | A navigational system |
US6018718A (en) | 1997-08-28 | 2000-01-25 | Walker Asset Management Limited Partnership | Method and system for processing customized reward offers |
US6466780B1 (en) | 1997-09-03 | 2002-10-15 | Interlok Technologies, Llc | Method and apparatus for securing digital communications |
US6032866A (en) | 1997-09-10 | 2000-03-07 | Motorola, Inc. | Foldable apparatus having an interface |
US6102672A (en) | 1997-09-10 | 2000-08-15 | Turbodyne Systems, Inc. | Motor-driven centrifugal air compressor with internal cooling airflow |
US5960411A (en) | 1997-09-12 | 1999-09-28 | Amazon.Com, Inc. | Method and system for placing a purchase order via a communications network |
WO1999013424A1 (en) | 1997-09-12 | 1999-03-18 | 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 |
US5883810A (en) | 1997-09-24 | 1999-03-16 | Microsoft Corporation | Electronic online commerce card with transactionproxy number for online transactions |
US6000832A (en) * | 1997-09-24 | 1999-12-14 | Microsoft Corporation | Electronic online commerce card with customer generated transaction proxy number for online transactions |
US20020113082A1 (en) | 1997-09-26 | 2002-08-22 | Leatherman Russel Dean | Antenna placement in a fueling and retail system |
US6810304B1 (en) | 1997-09-26 | 2004-10-26 | Gilbarco Inc. | Multistage ordering system for a fueling and retail environment |
US6098879A (en) | 1997-09-26 | 2000-08-08 | Gilbarco, Inc. | Fuel dispensing system providing customer preferences |
US6073840A (en) | 1997-09-26 | 2000-06-13 | Gilbarco Inc. | Fuel dispensing and retail system providing for transponder prepayment |
US6768415B1 (en) | 1997-10-03 | 2004-07-27 | Micron Technology, Inc. | Wireless identification device, RFID device with push-on/push-off switch, method of manufacturing wireless identification device |
US5984180A (en) | 1997-10-06 | 1999-11-16 | Albrecht; Jerry L. | Method and system for gift credit card |
US6024385A (en) | 1997-10-07 | 2000-02-15 | Goda; Yukio | Informational device |
US5970475A (en) | 1997-10-10 | 1999-10-19 | Intelisys Electronic Commerce, Llc | Electronic procurement system and method for trading partners |
AU755458B2 (en) | 1997-10-14 | 2002-12-12 | Visa International Service Association | Personalization of smart cards |
US6105008A (en) | 1997-10-16 | 2000-08-15 | Visa International Service Association | Internet loading system using smart card |
US6233348B1 (en) | 1997-10-20 | 2001-05-15 | Fujitsu Limited | Fingerprint registering apparatus, fingerprint identifying apparatus, and fingerprint identifying method |
US6177859B1 (en) * | 1997-10-21 | 2001-01-23 | Micron Technology, Inc. | Radio frequency communication apparatus and methods of forming a radio frequency communication apparatus |
US6024286A (en) | 1997-10-21 | 2000-02-15 | At&T Corp | Smart card providing a plurality of independently accessible accounts |
US5991750A (en) | 1997-10-24 | 1999-11-23 | Ge Capital | System and method for pre-authorization of individual account transactions |
US5987155A (en) | 1997-10-27 | 1999-11-16 | Dew Engineering And Development Limited | Biometric input device with peripheral port |
US5958004A (en) | 1997-10-28 | 1999-09-28 | Microsoft Corporation | Disabling and enabling transaction committal in transactional application components |
US6084967A (en) | 1997-10-29 | 2000-07-04 | Motorola, Inc. | Radio telecommunication device and method of authenticating a user with a voice authentication token |
US5966697A (en) | 1997-10-30 | 1999-10-12 | Clearcommerce Corporation | System and method for secure transaction order management processing |
IL122105A0 (en) | 1997-11-04 | 1998-04-05 | Rozin Alexander | A two-way radio-based electronic toll collection method and system for highway |
DE19749755A1 (en) | 1997-11-11 | 1999-05-12 | Meiller Comcard Gmbh | Transportable card unit |
US20010053239A1 (en) | 1997-11-12 | 2001-12-20 | Jasper Consulting, Inc. | Credit card fraud elimination system |
EP0917119A3 (en) | 1997-11-12 | 2001-01-10 | Citicorp Development Center, Inc. | Distributed network based electronic wallet |
US6041412A (en) | 1997-11-14 | 2000-03-21 | Tl Technology Rerearch (M) Sdn. Bhd. | Apparatus and method for providing access to secured data or area |
US6095413A (en) | 1997-11-17 | 2000-08-01 | Automated Transaction Corporation | System and method for enhanced fraud detection in automated electronic credit card processing |
US6177860B1 (en) | 1997-11-17 | 2001-01-23 | International Business Machines Corporation | Method and economical direct connected apparatus for deploying and tracking computers |
AU1593699A (en) | 1997-11-20 | 1999-06-15 | Quo Technologies, L.L.C. | Method and system for biometric recognition using unique internal distinguishingcharacteristics |
US6115360A (en) | 1997-11-21 | 2000-09-05 | Texas Instruments Incorporated | Fair scheduling of ATM cell transmissions during overscheduled conditions |
US6205151B1 (en) | 1997-11-21 | 2001-03-20 | Texas Instruments Incorporated | ATM cell scheduler which uses a heap memory and associates timestamps with each channel |
US5969318A (en) | 1997-11-24 | 1999-10-19 | Mackenthun; Holger | Gateway apparatus for designing and issuing multiple application cards |
JP2950307B2 (en) | 1997-11-28 | 1999-09-20 | 日本電気株式会社 | Personal authentication device and personal authentication method |
US6014635A (en) * | 1997-12-08 | 2000-01-11 | Shc Direct, Inc. | System and method for providing a discount credit transaction network |
CH689680A5 (en) | 1997-12-12 | 1999-08-13 | Electrowatt Tech Innovat Corp | Smart card with durably-protected security elements, e.g. holograms |
US6092057A (en) | 1997-12-12 | 2000-07-18 | Commstar, Inc. | Unattended POS system for automatic control of bank system rejections |
KR100382181B1 (en) | 1997-12-22 | 2003-05-09 | 모토로라 인코포레이티드 | Single account portable wireless financial messaging unit |
US6041410A (en) | 1997-12-22 | 2000-03-21 | Trw Inc. | Personal identification fob |
US6263446B1 (en) | 1997-12-23 | 2001-07-17 | Arcot Systems, Inc. | Method and apparatus for secure distribution of authentication credentials to roaming users |
US6023510A (en) | 1997-12-24 | 2000-02-08 | Philips Electronics North America Corporation | Method of secure anonymous query by electronic messages transported via a public network and method of response |
US5995014A (en) | 1997-12-30 | 1999-11-30 | Accu-Time Systems, Inc. | Biometric interface device for upgrading existing access control units |
US5970473A (en) | 1997-12-31 | 1999-10-19 | At&T Corp. | Video communication device providing in-home catalog services |
WO1999035782A1 (en) * | 1998-01-02 | 1999-07-15 | Cryptography Research, Inc. | Leak-resistant cryptographic method and apparatus |
US6121544A (en) | 1998-01-15 | 2000-09-19 | Petsinger; Julie Ann | Electromagnetic shield to prevent surreptitious access to contactless smartcards |
US6101477A (en) * | 1998-01-23 | 2000-08-08 | American Express Travel Related Services Company, Inc. | Methods and apparatus for a travel-related multi-function smartcard |
US5989950A (en) | 1998-01-26 | 1999-11-23 | Texas Instruments - Acer Incorporated | Reduced mask CMOS salicided process |
US6098053A (en) | 1998-01-28 | 2000-08-01 | Citibank, N.A. | System and method for performing an electronic financial transaction |
US8346663B2 (en) | 1998-01-30 | 2013-01-01 | Citicorp Development Center, Inc. | Method and system of contactless interfacing for smart card banking |
US6889198B2 (en) | 1998-01-30 | 2005-05-03 | Citicorp Development Center, Inc. | Method and system for tracking smart card loyalty points |
US6742120B1 (en) | 1998-02-03 | 2004-05-25 | Mondex International Limited | System and method for controlling access to computer code in an IC card |
US6012049A (en) | 1998-02-04 | 2000-01-04 | Citicorp Development Center, Inc. | System for performing financial transactions using a smartcard |
US6104922A (en) | 1998-03-02 | 2000-08-15 | Motorola, Inc. | User authentication in a communication system utilizing biometric information |
US6421650B1 (en) | 1998-03-04 | 2002-07-16 | Goetech Llc | Medication monitoring system and apparatus |
US6179205B1 (en) | 1998-03-05 | 2001-01-30 | Visa International Service Association | System and method for locking and unlocking and application in a smart card |
US6199079B1 (en) | 1998-03-09 | 2001-03-06 | Junglee Corporation | Method and system for automatically filling forms in an integrated network based transaction environment |
US6329920B1 (en) | 1998-03-09 | 2001-12-11 | Aginfolink Holdings Inc. | Apparatus and method for reading radio frequency identification transponders used for livestock identification and data collection |
US7171662B1 (en) | 1998-03-18 | 2007-01-30 | Microsoft Corporation | System and method for software licensing |
US6081790A (en) | 1998-03-20 | 2000-06-27 | Citibank, N.A. | System and method for secure presentment and payment over open networks |
US6578768B1 (en) | 1998-03-20 | 2003-06-17 | Mastercard International Incorporated | Method and device for selecting a reconfigurable communications protocol between and IC card and a terminal |
US6636833B1 (en) | 1998-03-25 | 2003-10-21 | Obis Patents Ltd. | Credit card system and method |
US6609656B1 (en) | 1998-03-27 | 2003-08-26 | Micron Technology, Inc. | Method and system for identifying lost or stolen devices |
US6419158B2 (en) | 1998-03-27 | 2002-07-16 | Peter Hooglander | System and method for carrying medical and/or personal information |
US6422462B1 (en) | 1998-03-30 | 2002-07-23 | Morris E. Cohen | Apparatus and methods for improved credit cards and credit card transactions |
EP0949595A3 (en) | 1998-03-30 | 2001-09-26 | Citicorp Development Center, Inc. | Method and system for managing applications for a multi-function smartcard |
IL123949A (en) | 1998-04-03 | 2001-07-24 | On Track Innovations Ltd | Data transaction card having extended range |
US6173899B1 (en) * | 1998-04-03 | 2001-01-16 | Alexander Rozin | Method and system for contactless energy transmission and data exchange between a terminal and IC card |
US6539101B1 (en) | 1998-04-07 | 2003-03-25 | Gerald R. Black | Method for identity verification |
US6307956B1 (en) | 1998-04-07 | 2001-10-23 | Gerald R. Black | Writing implement for identity verification system |
US6158655A (en) | 1998-04-08 | 2000-12-12 | Donnelly Corporation | Vehicle mounted remote transaction interface system |
US5949335A (en) | 1998-04-14 | 1999-09-07 | Sensormatic Electronics Corporation | RFID tagging system for network assets |
US6315195B1 (en) | 1998-04-17 | 2001-11-13 | Diebold, Incorporated | Transaction apparatus and method |
US6052675A (en) | 1998-04-21 | 2000-04-18 | At&T Corp. | Method and apparatus for preauthorizing credit card type transactions |
US6710701B2 (en) | 1998-04-22 | 2004-03-23 | Gilbarco Inc. | Rfid tag location using tag or host interaction record |
US5955951A (en) | 1998-04-24 | 1999-09-21 | Sensormatic Electronics Corporation | Combined article surveillance and product identification system |
US6173272B1 (en) | 1998-04-27 | 2001-01-09 | The Clearing House Service Company L.L.C. | Electronic funds transfer method and system and bill presentment method and system |
US6219639B1 (en) | 1998-04-28 | 2001-04-17 | International Business Machines Corporation | Method and apparatus for recognizing identity of individuals employing synchronized biometrics |
USD432939S (en) | 1998-04-29 | 2000-10-31 | Peter Hooglander | Foldable medical identification system locket with readable electronic chip |
US6141752A (en) | 1998-05-05 | 2000-10-31 | Liberate Technologies | Mechanism for facilitating secure storage and retrieval of information on a smart card by an internet service provider using various network computer client devices |
US7096494B1 (en) | 1998-05-05 | 2006-08-22 | Chen Jay C | Cryptographic system and method for electronic transactions |
US6199762B1 (en) | 1998-05-06 | 2001-03-13 | American Express Travel Related Services Co., Inc. | Methods and apparatus for dynamic smartcard synchronization and personalization |
FR2778475B1 (en) * | 1998-05-11 | 2001-11-23 | Schlumberger Systems & Service | NON-CONTACT TYPE MEMORY CARD, AND METHOD FOR MANUFACTURING SUCH A CARD |
US6655585B2 (en) | 1998-05-11 | 2003-12-02 | Citicorp Development Center, Inc. | System and method of biometric smart card user authentication |
US6411611B1 (en) | 1998-05-18 | 2002-06-25 | Koninklijke Phillips Electronics N.V. | Communication systems, communication methods and a method of communicating data within a DECT communication system |
EP0959440A3 (en) | 1998-05-22 | 2000-05-17 | Citicorp Development Center, Inc. | System and method for automated electronic scrip transactions |
DE19823532C2 (en) | 1998-05-26 | 2003-08-21 | T Mobile Deutschland Gmbh | Method for controlling a subscriber identity module (SIM) in mobile radio systems |
US6266754B1 (en) | 1998-05-29 | 2001-07-24 | Texas Instruments Incorporated | Secure computing device including operating system stored in non-relocatable page of memory |
US6131811A (en) | 1998-05-29 | 2000-10-17 | E-Micro Corporation | Wallet consolidator |
US6129274A (en) | 1998-06-09 | 2000-10-10 | Fujitsu Limited | System and method for updating shopping transaction history using electronic personal digital shopping assistant |
FR2779850A1 (en) | 1998-06-16 | 1999-12-17 | Roland Moreno | METHOD AND SYSTEM FOR USING A MICROCIRCUIT CARD IN A PLURALITY OF APPLICATIONS |
IT245067Y1 (en) | 1998-06-19 | 2002-03-19 | 4P Srl | MULTI-FUNCTION HANDHELD ELECTRONIC PROCESSOR STRUCTURE. |
US6141651A (en) | 1998-06-19 | 2000-10-31 | First Data Corporation | Funding and settlement integrated suspense processing system |
US6029890A (en) | 1998-06-22 | 2000-02-29 | Austin; Frank | User-Specified credit card system |
US6445794B1 (en) | 1998-06-24 | 2002-09-03 | Benyamin Ron | System and method for synchronizing one time pad encryption keys for secure communication and access control |
USD406861S (en) | 1998-06-25 | 1999-03-16 | Retail Royalty Company | Partially transparent card with opaque machine-readable and signature-receiving stripes |
JP3531481B2 (en) | 1998-06-29 | 2004-05-31 | 日立プラント建設株式会社 | Wastewater treatment method and apparatus |
US20040208343A1 (en) | 1998-07-09 | 2004-10-21 | Colorado State University Research Foundation | Apparatus and method for creating a record using biometric information |
US6219439B1 (en) | 1998-07-09 | 2001-04-17 | Paul M. Burger | Biometric authentication system |
US6360953B1 (en) | 1998-07-15 | 2002-03-26 | Magnex Corporation | Secure print sensing smart card with on-the-fly-operation |
US6105865A (en) | 1998-07-17 | 2000-08-22 | Hardesty; Laurence Daniel | Financial transaction system with retirement saving benefit |
US6421617B2 (en) | 1998-07-18 | 2002-07-16 | Interval Research Corporation | Interface including fluid flow measurement for use in determining an intention of, or an effect produced by, an animate object |
US6116505A (en) | 1998-07-21 | 2000-09-12 | Gilbarco Inc. | Fuel transaction system for enabling the purchase of fuel and non-fuel items on a single authorization |
US6173897B1 (en) * | 1998-07-27 | 2001-01-16 | John W. Halpern | Universal card interface module for contact free cards |
US5933328A (en) | 1998-07-28 | 1999-08-03 | Sandisk Corporation | Compact mechanism for removable insertion of multiple integrated circuit cards into portable and other electronic devices |
JP2000048153A (en) | 1998-07-31 | 2000-02-18 | Sony Corp | Non-contact ic card |
CN1326085C (en) | 1998-07-31 | 2007-07-11 | 松下电器产业株式会社 | Portable body used in two way, communication system, communication method, terminal, computer-readable recorded medium on which program is recorded |
US6129277A (en) | 1998-08-03 | 2000-10-10 | Privicon, Inc. | Card reader for transmission of data by sound |
US6438235B2 (en) | 1998-08-05 | 2002-08-20 | Hewlett-Packard Company | Media content protection utilizing public key cryptography |
US7228437B2 (en) | 1998-08-13 | 2007-06-05 | International Business Machines Corporation | Method and system for securing local database file of local content stored on end-user system |
EP1770591B1 (en) | 1998-08-14 | 2010-04-28 | 3M Innovative Properties Company | RFID reader |
US6250557B1 (en) | 1998-08-25 | 2001-06-26 | Telefonaktiebolaget Lm Ericsson (Publ) | Methods and arrangements for a smart card wallet and uses thereof |
US6315193B1 (en) | 1998-08-31 | 2001-11-13 | Mastercard International Incorporated | Financial transaction card with installment loan feature |
US6222914B1 (en) | 1998-09-02 | 2001-04-24 | Mcmullin John L. | System and method for administration of an incentive award system having a delayed award payment using a credit instrument |
DE19839847A1 (en) | 1998-09-02 | 2000-03-09 | Ibm | Storage of data objects in the memory of a chip card |
US5973475A (en) | 1998-09-04 | 1999-10-26 | Ic-Tv Interactive Cyber Television Inc. | Remote smart battery |
CA2246873A1 (en) | 1998-09-09 | 2000-03-09 | Richard Verdicchio | Latching mechanism |
AU2342000A (en) | 1998-09-11 | 2000-04-17 | Loquitor Technologies Llc | Generation and detection of induced current using acoustic energy |
US6507662B1 (en) | 1998-09-11 | 2003-01-14 | Quid Technologies Llc | Method and system for biometric recognition based on electric and/or magnetic properties |
ATE398814T1 (en) | 1998-09-11 | 2008-07-15 | Motorola Inc | RFID LABEL APPARATUS AND METHOD |
US6148484A (en) | 1998-09-15 | 2000-11-21 | Andreae, Jr.; Fred N. | Clip for retaining a golf score card, and optionally providing advertisement, in passenger-carrying golf carts |
US6607136B1 (en) | 1998-09-16 | 2003-08-19 | Beepcard Inc. | Physical presence digital authentication system |
US6549912B1 (en) | 1998-09-23 | 2003-04-15 | Visa International Service Association | Loyalty file structure for smart card |
US6513015B2 (en) | 1998-09-25 | 2003-01-28 | Fujitsu Limited | System and method for customer recognition using wireless identification and visual data transmission |
US6102162A (en) | 1998-10-08 | 2000-08-15 | Teicher; Mordechai | Automated self-service cafeteria system |
JP3394716B2 (en) | 1998-10-12 | 2003-04-07 | 花王株式会社 | Hair dye composition |
DE19847135B4 (en) | 1998-10-13 | 2007-10-31 | Texas Instruments Deutschland Gmbh | Method for reading the data stored in a transponder and transponder system for carrying out the method |
FI117077B (en) | 1998-10-14 | 2006-05-31 | Sonera Smarttrust Oy | Method and system for applying the security marking |
US6573884B1 (en) | 1998-10-16 | 2003-06-03 | Gilbarco Inc. | ADA convertible input display |
US6496594B1 (en) | 1998-10-22 | 2002-12-17 | Francine J. Prokoski | Method and apparatus for aligning and comparing images of the face and body from different imagers |
US6317750B1 (en) | 1998-10-26 | 2001-11-13 | Hyperion Solutions Corporation | Method and apparatus for accessing multidimensional data |
EP1125262A1 (en) | 1998-10-27 | 2001-08-22 | Visa International Service Association | Delegated management of smart card applications |
US6473500B1 (en) | 1998-10-28 | 2002-10-29 | Mastercard International Incorporated | System and method for using a prepaid card |
US7254557B1 (en) | 1998-11-09 | 2007-08-07 | C/Base, Inc. | Financial services payment vehicle and method |
US7047416B2 (en) | 1998-11-09 | 2006-05-16 | First Data Corporation | Account-based digital signature (ABDS) system |
US6519565B1 (en) | 1998-11-10 | 2003-02-11 | Voice Security Systems, Inc. | Method of comparing utterances for security control |
US6032136A (en) * | 1998-11-17 | 2000-02-29 | First Usa Bank, N.A. | Customer activated multi-value (CAM) card |
US6353811B1 (en) | 1998-11-18 | 2002-03-05 | Steven I. Weissman | Credit card billing system for identifying expenditures on a credit card account |
US6257486B1 (en) | 1998-11-23 | 2001-07-10 | Cardis Research & Development Ltd. | Smart card pin system, card, and reader |
US20040016796A1 (en) | 1998-11-25 | 2004-01-29 | Diebold, Incorporated | Automated banking apparatus and method |
US6070154A (en) | 1998-11-27 | 2000-05-30 | Activepoint Ltd. | Internet credit card security |
JP2000163538A (en) | 1998-11-30 | 2000-06-16 | Dainippon Printing Co Ltd | Information storage medium |
US6179206B1 (en) | 1998-12-07 | 2001-01-30 | Fujitsu Limited | Electronic shopping system having self-scanning price check and purchasing terminal |
US6173269B1 (en) * | 1998-12-16 | 2001-01-09 | Zowi.Com, Inc | Method and apparatus for executing electronic commercial transactions with minors |
DE19858840A1 (en) | 1998-12-19 | 2000-06-21 | Orga Kartensysteme Gmbh | Method for bidirectional data transfer between a terminal and a chip card and chip card |
EP1014320A1 (en) | 1998-12-21 | 2000-06-28 | Ncr International Inc. | Method of and apparatus for maintaining a customer loyalty program on a smart card |
JP2000177229A (en) | 1998-12-21 | 2000-06-27 | Alps Electric Co Ltd | Information recorded matter and information recording method |
US6123223A (en) | 1998-12-21 | 2000-09-26 | Watkins; Kenneth M. | Automated vending system for floral arrangements |
US20030050831A1 (en) | 1998-12-22 | 2003-03-13 | John Klayh | System for distribution and redemption of loyalty points and coupons |
US6116655A (en) | 1998-12-22 | 2000-09-12 | Thouin; Mark E. | Frangible card with a sealed compartment |
JP4242494B2 (en) | 1998-12-24 | 2009-03-25 | 大日本印刷株式会社 | Portable signal processor |
US6327578B1 (en) | 1998-12-29 | 2001-12-04 | International Business Machines Corporation | Four-party credit/debit payment protocol |
EP1016947A3 (en) | 1998-12-31 | 2006-04-26 | Texas Instruments Incorporated | Portable electronic equipment key |
US6327573B1 (en) | 1998-12-31 | 2001-12-04 | Walker Digital, Llc | Multiple party reward system utilizing single account |
US6481621B1 (en) | 1999-01-12 | 2002-11-19 | International Business Machines Corporation | System method and article of manufacture for accessing and processing smart card information |
US6546373B1 (en) | 1999-01-18 | 2003-04-08 | Mastercard International Incorporated | System and method for recovering refundable taxes |
US6332193B1 (en) | 1999-01-18 | 2001-12-18 | Sensar, Inc. | Method and apparatus for securely transmitting and authenticating biometric data over a network |
US6651168B1 (en) | 1999-01-29 | 2003-11-18 | International Business Machines, Corp. | Authentication framework for multiple authentication processes and mechanisms |
US6263316B1 (en) | 1999-02-02 | 2001-07-17 | Momente, Llc | Automated process for retailing to a vehicle occupant |
JP2000222176A (en) | 1999-02-03 | 2000-08-11 | Mitsubishi Electric Corp | Random-number generating circuit, noncontact ic card and reader/writer having same random-number generating circuit inside, and method for testing device having same random-number generating circuit inside |
US7961917B2 (en) | 1999-02-10 | 2011-06-14 | Pen-One, Inc. | Method for identity verification |
US8538801B2 (en) | 1999-02-19 | 2013-09-17 | Exxonmobile Research & Engineering Company | System and method for processing financial transactions |
JP2000242635A (en) | 1999-02-19 | 2000-09-08 | Fuji Xerox Co Ltd | Chart editing device |
US7451114B1 (en) | 1999-02-19 | 2008-11-11 | Visa International Service Association | Conducting commerce between individuals |
JP4204133B2 (en) | 1999-02-26 | 2009-01-07 | ローム株式会社 | Communications system |
US6687714B1 (en) | 1999-03-01 | 2004-02-03 | Citicorp Development Center, Inc. | Method and system for managing transaction card data |
JP4289710B2 (en) | 1999-03-01 | 2009-07-01 | ローム株式会社 | Communication system having authentication function |
CA2300241A1 (en) | 1999-03-08 | 2000-09-08 | Lenexa Card, L.L.C. | A keytag card having encodeable magnetic strip |
US6483477B1 (en) | 1999-03-10 | 2002-11-19 | Harris Corporation | RF receiving antenna system |
US8498898B1 (en) | 1999-03-19 | 2013-07-30 | Citicorp Development Center, Inc. | System and method for point of use reward determination |
US6364208B1 (en) | 1999-03-29 | 2002-04-02 | Transmo Limited | Card changing system |
US6510998B1 (en) | 1999-03-29 | 2003-01-28 | Transmo Limited | Card charging system |
US6507762B1 (en) | 1999-03-31 | 2003-01-14 | International Business Machines Corporation | Method and system for remotely controlling an appliance using a personal digital assistant |
US6400272B1 (en) | 1999-04-01 | 2002-06-04 | Presto Technologies, Inc. | Wireless transceiver for communicating with tags |
US6402028B1 (en) | 1999-04-06 | 2002-06-11 | Visa International Service Association | Integrated production of smart cards |
US6404341B1 (en) | 1999-04-06 | 2002-06-11 | 1175634 Ontario Limited | Security tag and method of making the same |
US20020095298A1 (en) | 1999-04-19 | 2002-07-18 | Frogmagic, Inc. | Blind Gift Method and System |
US20040083184A1 (en) | 1999-04-19 | 2004-04-29 | First Data Corporation | Anonymous card transactions |
US6685089B2 (en) | 1999-04-20 | 2004-02-03 | Gilbarco, Inc. | Remote banking during fueling |
JP3817965B2 (en) | 1999-04-21 | 2006-09-06 | 富士ゼロックス株式会社 | Detection device |
US6277232B1 (en) | 1999-04-22 | 2001-08-21 | Mbna America Bank, N.A. | Method of manufacturing a plastic card with a lenticular lens therein |
JP2000306056A (en) | 1999-04-22 | 2000-11-02 | Sankyo Seiki Mfg Co Ltd | Magnetic card reader |
US6674786B1 (en) | 1999-04-23 | 2004-01-06 | Sankyo Seiki Mfg. Co., Ltd. | Data demodulation |
US6116736A (en) | 1999-04-23 | 2000-09-12 | Neuroptics, Inc. | Pupilometer with pupil irregularity detection capability |
US6353420B1 (en) | 1999-04-28 | 2002-03-05 | Amerasia International Technology, Inc. | Wireless article including a plural-turn loop antenna |
US6415978B1 (en) | 1999-05-03 | 2002-07-09 | Psc Scanning, Inc. | Multiple technology data reader for bar code labels and RFID tags |
US6259769B1 (en) | 1999-05-04 | 2001-07-10 | Cubic Corporation | Portable smart card communication device |
US6353870B1 (en) | 1999-05-11 | 2002-03-05 | Socket Communications Inc. | Closed case removable expansion card having interconnect and adapter circuitry for both I/O and removable memory |
US6304223B1 (en) | 1999-05-12 | 2001-10-16 | Cubic Corporation | Contactless card automatic check-in check-out device |
US7246244B2 (en) | 1999-05-14 | 2007-07-17 | Fusionarc, Inc. A Delaware Corporation | Identity verification method using a central biometric authority |
JP2004500615A (en) | 1999-05-28 | 2004-01-08 | ザ・コカ−コーラ・カンパニー | Method and apparatus for network-based electronic transaction surrogate control |
US6223977B1 (en) | 1999-06-03 | 2001-05-01 | Westvaco Corporation | Easy open envelope |
US6200272B1 (en) | 1999-06-08 | 2001-03-13 | Curative Health Services, Inc. | Folding card device for evaluating protective sensation |
US6577229B1 (en) | 1999-06-10 | 2003-06-10 | Cubic Corporation | Multiple protocol smart card communication device |
US6697947B1 (en) | 1999-06-17 | 2004-02-24 | International Business Machines Corporation | Biometric based multi-party authentication |
US6064981A (en) | 1999-06-17 | 2000-05-16 | Barni; Neil A. | Method for online display and negotiation of cargo rates |
US6784789B2 (en) | 1999-07-08 | 2004-08-31 | Intermec Ip Corp. | Method and apparatus for verifying RFID tags |
US7005985B1 (en) | 1999-07-20 | 2006-02-28 | Axcess, Inc. | Radio frequency identification system and method |
US6116423A (en) | 1999-07-23 | 2000-09-12 | Texas Instruments Incorporated | Multi-functional shipping system for integrated circuit devices |
US8648692B2 (en) | 1999-07-23 | 2014-02-11 | Seong Sang Investments Llc | Accessing an automobile with a transponder |
AUPQ702900A0 (en) | 2000-04-20 | 2000-05-18 | Grosvenor Leisure Incorporated | Secure biometric loop |
US6317755B1 (en) | 1999-07-26 | 2001-11-13 | Motorola, Inc. | Method and apparatus for data backup and restoration in a portable data device |
US6446862B1 (en) | 1999-12-31 | 2002-09-10 | W. Stephen G. Mann | Point of purchase (PoP) terminal |
US6457000B1 (en) | 1999-07-29 | 2002-09-24 | Oracle Corp. | Method and apparatus for accessing previous rows of data in a table |
JP4315530B2 (en) | 1999-07-29 | 2009-08-19 | 富士通株式会社 | Detection circuit for contactless IC card device |
US6386444B1 (en) | 1999-07-30 | 2002-05-14 | First Usa Bank, N.A. | System and methods for card payment instrument with rebate applied to an insurance premium |
CN1148044C (en) | 1999-08-06 | 2004-04-28 | 英业达集团(上海)电子技术有限公司 | Device and method for connecting external keyboard to mobile telephone |
US6886742B2 (en) | 1999-08-09 | 2005-05-03 | First Data Corporation | Systems and methods for deploying a point-of sale device |
US6120461A (en) | 1999-08-09 | 2000-09-19 | The United States Of America As Represented By The Secretary Of The Army | Apparatus for tracking the human eye with a retinal scanning display, and method thereof |
US7308426B1 (en) | 1999-08-11 | 2007-12-11 | C-Sam, Inc. | System and methods for servicing electronic transactions |
AU6674000A (en) | 1999-08-11 | 2001-03-13 | Mark Iv Industries Limited | Method and means for rf toll collection |
US6873974B1 (en) | 1999-08-17 | 2005-03-29 | Citibank, N.A. | System and method for use of distributed electronic wallets |
US6575361B1 (en) | 1999-08-19 | 2003-06-10 | E-2 Interactive, Inc. | System and method for managing stored-value card data |
US6501832B1 (en) | 1999-08-24 | 2002-12-31 | Microstrategy, Inc. | Voice code registration system and method for registering voice codes for voice pages in a voice network access provider system |
AU6801600A (en) | 1999-08-26 | 2001-03-19 | Gamut Interactive, Inc. | Smart card database |
US7505941B2 (en) | 1999-08-31 | 2009-03-17 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions using biometrics |
USD442629S1 (en) | 1999-09-01 | 2001-05-22 | American Express Travel Related Services Company, Inc. | Card with an ornamental rectangle |
USD442627S1 (en) | 1999-09-01 | 2001-05-22 | American Express Travel Related Services Company, Inc. | Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip |
AU7346800A (en) | 1999-09-02 | 2001-03-26 | Automated Business Companies | Communication and proximity authorization systems |
US6581839B1 (en) | 1999-09-07 | 2003-06-24 | American Express Travel Related Services Company, Inc. | Transaction card |
US6764014B2 (en) | 1999-09-07 | 2004-07-20 | American Express Travel Related Services Company, Inc. | Transaction card |
US7889052B2 (en) | 2001-07-10 | 2011-02-15 | Xatra Fund Mx, Llc | Authorizing payment subsequent to RF transactions |
US7306158B2 (en) | 2001-07-10 | 2007-12-11 | American Express Travel Related Services Company, Inc. | Clear contactless card |
US7213764B2 (en) | 2002-11-07 | 2007-05-08 | American Express Travel Related Services Company, Inc. | Foldable transaction card |
US7239226B2 (en) | 2001-07-10 | 2007-07-03 | American Express Travel Related Services Company, Inc. | System and method for payment using radio frequency identification in contact and contactless transactions |
US6608551B1 (en) * | 1999-09-13 | 2003-08-19 | Intermec Ip Corp | Low-cost radio replacement utilizing RFID technology |
US7047419B2 (en) | 1999-09-17 | 2006-05-16 | Pen-One Inc. | Data security system |
US6925565B2 (en) | 2001-05-25 | 2005-08-02 | Pen-One, Inc | Pen-based transponder identity verification system |
US6970583B2 (en) | 2000-05-25 | 2005-11-29 | Black Gerald R | Identity authentication device |
US7391865B2 (en) | 1999-09-20 | 2008-06-24 | Security First Corporation | Secure data parser method and system |
US6286763B1 (en) | 1999-09-21 | 2001-09-11 | Intermac Ip Corp. | Method and apparatus to automatically search data carriers, such as RFID tags and machine-readable symbols |
US6318636B1 (en) | 1999-09-21 | 2001-11-20 | Intermec Ip Corp. | Method and apparatus to read different types of data carriers, such RFID tags and machine-readable symbols, and a user interface for the same |
JP2001160105A (en) | 1999-09-22 | 2001-06-12 | Sony Corp | Information processing system, portable telephone set, and information processing method |
JP2001092786A (en) | 1999-09-24 | 2001-04-06 | Mizobe Tatsuji | Portable personal identification device and electronic system to which access is permitted by the same device |
US7080037B2 (en) | 1999-09-28 | 2006-07-18 | Chameleon Network Inc. | Portable electronic authorization system and method |
US7340439B2 (en) | 1999-09-28 | 2008-03-04 | Chameleon Network Inc. | Portable electronic authorization system and method |
US6290137B1 (en) | 1999-10-01 | 2001-09-18 | Perfect Plastic Printing Corporation | Transparent/translucent financial transaction card including an infrared light filter |
US6296188B1 (en) | 1999-10-01 | 2001-10-02 | Perfect Plastic Printing Corporation | Transparent/translucent financial transaction card including an infrared light filter |
US20020095389A1 (en) | 1999-10-05 | 2002-07-18 | Gaines Robert Vallee | Method, apparatus and system for identity authentication |
US6681328B1 (en) | 1999-10-08 | 2004-01-20 | Mastercard International Incorporated | System and method for global internet digital identification |
GB9923804D0 (en) | 1999-10-08 | 1999-12-08 | Hewlett Packard Co | Electronic commerce system |
US6394343B1 (en) | 1999-10-14 | 2002-05-28 | Jon N. Berg | System for card to card transfer of monetary values |
ATE244430T1 (en) | 1999-10-15 | 2003-07-15 | Ajit K Zacharias | SECURE CARD SYSTEM FOR MULTIPLE USE |
US6704039B2 (en) | 1999-10-16 | 2004-03-09 | Martin Rangel Pena | Method and system for computer-aided telecommunication and financial transactions |
DE19950524A1 (en) | 1999-10-20 | 2001-04-26 | Philips Corp Intellectual Pty | Smart card |
US6853987B1 (en) | 1999-10-27 | 2005-02-08 | Zixit Corporation | Centralized authorization and fraud-prevention system for network-based transactions |
US6332134B1 (en) | 1999-11-01 | 2001-12-18 | Chuck Foster | Financial transaction system |
JP2001134536A (en) | 1999-11-05 | 2001-05-18 | Soriton Syst:Kk | Individual authentication and identification system |
US6491639B1 (en) | 1999-11-10 | 2002-12-10 | Pacesetter, Inc. | Extravascular hemodynamic sensor |
US6325285B1 (en) | 1999-11-12 | 2001-12-04 | At&T Corp. | Smart card with integrated fingerprint reader |
IT1311360B1 (en) | 1999-11-15 | 2002-03-12 | Smartel S P A | INTELLIGENT MULTIFUNCTIONAL PAPER. |
US6315206B1 (en) | 1999-11-24 | 2001-11-13 | Barry Fiala, Inc. | Wallet card package |
FR2801707B1 (en) | 1999-11-29 | 2002-02-15 | A S K | METHOD FOR MANUFACTURING A CONTACT-FREE CONTACT HYBRID CHIP CARD WITH AN ANTENNA SUPPORT OF FIBROUS MATERIAL |
FR2801709B1 (en) | 1999-11-29 | 2002-02-15 | A S K | CONTACTLESS OR CONTACT-FREE HYBRID CHIP CARD TO REDUCE THE RISK OF FRAUD |
CA2392229C (en) | 1999-11-30 | 2016-08-30 | Transforming Technologies, Inc. | Methods, systems, and apparatuses for secure interactions |
US6529880B1 (en) | 1999-12-01 | 2003-03-04 | Intermec Ip Corp. | Automatic payment system for a plurality of remote merchants |
US6184788B1 (en) | 1999-12-03 | 2001-02-06 | Raymond Bradley Middlemiss | Electronic missing card alert case |
JP2001167054A (en) | 1999-12-09 | 2001-06-22 | Casio Comput Co Ltd | Portable information equipment, device and system for authentication |
EP1959369A1 (en) | 1999-12-10 | 2008-08-20 | Fujitsu Limited | User verification system, and portable electronic device with user verification function utilising biometric information |
WO2001042965A1 (en) | 1999-12-10 | 2001-06-14 | Auripay, Inc. | Method and apparatus for improved financial instrument processing |
WO2001045008A1 (en) | 1999-12-16 | 2001-06-21 | Debit.Net, Inc. | Secure networked transaction system |
US6427910B1 (en) | 1999-12-17 | 2002-08-06 | International Business Machines Corporation | Method for managing and updating overloaded cards |
FR2802689B1 (en) | 1999-12-20 | 2004-08-27 | Ordicam Rech Et Dev | METHOD AND DEVICE FOR TIME CONTROL OF THE MOVEMENT OR POSITION OF PEOPLE, ANIMALS OR OBJECTS |
US6264106B1 (en) | 1999-12-27 | 2001-07-24 | Symbol Technologies, Inc. | Combination bar code scanner/RFID circuit |
US6601169B2 (en) | 1999-12-30 | 2003-07-29 | Clyde Riley Wallace, Jr. | Key-based secure network user states |
DE10055602A1 (en) | 1999-12-30 | 2001-07-12 | Ibm | Exit control system for supermarket or department store, produces receipt based on contactlessly received information and updates payment status |
US6961448B2 (en) | 1999-12-30 | 2005-11-01 | Medtronic, Inc. | User authentication in medical device systems |
EP1113387A3 (en) | 1999-12-31 | 2001-11-21 | SCHLUMBERGER Systèmes | Smart card having a non-volatile memory with a novel mapping |
FR2803675B1 (en) | 2000-01-11 | 2002-03-29 | Sagem | CHIP CARD WITH FINGERPRINT SENSOR |
US6535726B1 (en) | 2000-01-12 | 2003-03-18 | Gilbarco Inc. | Cellular telephone-based transaction processing |
DE10001929A1 (en) | 2000-01-19 | 2001-08-09 | Skidata Ag | Authorization control facility |
US7172112B2 (en) | 2000-01-21 | 2007-02-06 | American Express Travel Related Services Company, Inc. | Public/private dual card system and method |
US6171138B1 (en) | 2000-01-28 | 2001-01-09 | Motorola, Inc. | Electrical connector for removable components |
US6950540B2 (en) | 2000-01-31 | 2005-09-27 | Nec Corporation | Fingerprint apparatus and method |
EP1124206A1 (en) | 2000-02-08 | 2001-08-16 | Infineon Technologies AG | Method and assembly for the mutual authentication of two data processor units |
US6588673B1 (en) | 2000-02-08 | 2003-07-08 | Mist Inc. | Method and system providing in-line pre-production data preparation and personalization solutions for smart cards |
US6227424B1 (en) | 2000-02-09 | 2001-05-08 | Roegner Deanna | Security purse |
US6587835B1 (en) | 2000-02-09 | 2003-07-01 | G. Victor Treyz | Shopping assistance with handheld computing device |
US7003501B2 (en) | 2000-02-11 | 2006-02-21 | Maurice Ostroff | Method for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites |
US6257620B1 (en) | 2000-02-23 | 2001-07-10 | Bernard Carroll Kenney | High efficiency ski for sailing on snow or ice |
USD447515S1 (en) | 2000-02-24 | 2001-09-04 | American Express Travel Related Services Company, Inc. | Card with an ornamental rectangle |
JP2001236324A (en) | 2000-02-24 | 2001-08-31 | Fujitsu Ltd | Portable electronic device with individual authenticating function by biometric information |
US6834270B1 (en) | 2000-02-28 | 2004-12-21 | Carlo Pagani | Secured financial transaction system using single use codes |
WO2001065494A2 (en) | 2000-02-28 | 2001-09-07 | Sprarkcharge, Inc. | System, and method for prepaid anonymous and pseudonymous credit card type transactions |
US6388533B2 (en) | 2000-03-02 | 2002-05-14 | Texas Instruments Incorporated | Programmable ring oscillator |
AU2001243473A1 (en) | 2000-03-07 | 2001-09-17 | American Express Travel Related Services Company, Inc. | System for facilitating a transaction |
US6328341B2 (en) | 2000-03-07 | 2001-12-11 | Western Graphics And Data, Inc. | Multiple-component data package |
EP1275262A4 (en) | 2000-03-16 | 2006-04-19 | Harex Infotech Inc | Optical payment transceiver and system using the same |
AU2001249287A1 (en) | 2000-03-21 | 2001-10-03 | Charles M. Leedom Jr. | A tiered wireless, multi-modal access system and method |
US20040006497A1 (en) | 2001-03-22 | 2004-01-08 | Nestor Tod A. | Entertainment event ticket purchase and exchange system |
US20010049628A1 (en) | 2000-03-23 | 2001-12-06 | Robert Icho | On-line system for aggregation of purchase bonuses |
EP1265521A2 (en) | 2000-03-24 | 2002-12-18 | International Paper | Rfid tag for authentication and identification |
SE0001056L (en) | 2000-03-24 | 2001-09-25 | Wolf Fernlund | Arrangement and procedure for verifying a person's identity |
US6591249B2 (en) | 2000-03-26 | 2003-07-08 | Ron Zoka | Touch scan internet credit card verification purchase process |
US7725385B2 (en) | 2000-03-29 | 2010-05-25 | American Express Travel Related Services Company, Inc. | System and method for facilitating the handling of a dispute using disparate architectures |
JP2001283122A (en) | 2000-03-31 | 2001-10-12 | Dainippon Printing Co Ltd | Transaction system using smart card, and smart card used for the system |
AU2001249827A1 (en) | 2000-04-06 | 2001-10-23 | Brightstreet.Com, Inc. | Loyalty and rewards program over distributed network |
US6309098B1 (en) | 2000-04-07 | 2001-10-30 | Ye Ping Wong | Contactless-IC-card receive and read-write mechanism for an on-street parking meter |
US7177848B2 (en) | 2000-04-11 | 2007-02-13 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network without a pseudo or proxy account number |
US20050127164A1 (en) | 2002-03-19 | 2005-06-16 | John Wankmueller | Method and system for conducting a transaction using a proximity device and an identifier |
US7379919B2 (en) | 2000-04-11 | 2008-05-27 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network |
NO312530B1 (en) | 2000-04-13 | 2002-05-21 | Bertil Hogganvik | short Magazine |
US6975725B1 (en) | 2000-04-14 | 2005-12-13 | Sony Corporation | Method for standardizing the use of ISO 7816 smart cards in conditional access systems |
US20020030581A1 (en) | 2000-04-14 | 2002-03-14 | Janiak Martin J. | Optical and smart card identification reader |
CA2305249A1 (en) | 2000-04-14 | 2001-10-14 | Branko Sarcanin | Virtual safe |
EP2278538A1 (en) | 2000-04-24 | 2011-01-26 | Visa International Service Association | Online payer authentication service |
GB0010422D0 (en) | 2000-04-28 | 2000-06-14 | Cast Technologies Limited | Payment apparatus and method |
JP2001312326A (en) | 2000-04-28 | 2001-11-09 | Fujitsu Ltd | Portable electronic device and battery pack for portable electronic device |
US20020011519A1 (en) | 2000-05-04 | 2002-01-31 | Shults John R. | System and method for consumer identification using optical and electronic means |
US6894614B2 (en) | 2000-05-08 | 2005-05-17 | Checkpoint Systems, Inc. | Radio frequency detection and identification system |
US20030046237A1 (en) | 2000-05-09 | 2003-03-06 | James Uberti | Method and system for enabling the issuance of biometrically secured online credit or other online payment transactions without tokens |
JP4453162B2 (en) | 2000-05-09 | 2010-04-21 | 凸版印刷株式会社 | Transparent magnetic card and manufacturing method thereof |
WO2001086535A1 (en) | 2000-05-09 | 2001-11-15 | Cadmus Limited | Method and apparatus for providing an integrated loyalty system |
US6915277B1 (en) | 2000-05-10 | 2005-07-05 | General Electric Capital Corporation | Method for dual credit card system |
US6686847B1 (en) | 2000-05-12 | 2004-02-03 | Hewlett-Packard Development Company, L.P. | Indicator with daylight visibility using a single light emitting diode |
TW589855B (en) | 2000-05-15 | 2004-06-01 | Ntt Docomo Inc | Authentication system and method |
FR2809894B1 (en) | 2000-05-31 | 2002-10-25 | France Telecom | CRYPTOGRAPHY METHOD, MICROCIRCUIT FOR CHIP CARD AND CHIP CARDS INCLUDING SUCH MICROCIRCUIT |
US6745008B1 (en) | 2000-06-06 | 2004-06-01 | Battelle Memorial Institute K1-53 | Multi-frequency communication system and method |
US7005968B1 (en) | 2000-06-07 | 2006-02-28 | Symbol Technologies, Inc. | Wireless locating and tracking systems |
US6483929B1 (en) | 2000-06-08 | 2002-11-19 | Tarian Llc | Method and apparatus for histological and physiological biometric operation and authentication |
US6505772B1 (en) | 2000-06-22 | 2003-01-14 | First Data Corporation | System for utilizing a single card to provide multiple services in an open network environment |
US6609655B1 (en) | 2000-06-26 | 2003-08-26 | Martha F. Harrell | Smart card system for providing financial, travel, and entertainment-related services |
CN1604492A (en) | 2000-07-04 | 2005-04-06 | 克里蒂帕斯株式会社 | Credit-card type transponder |
USD460455S1 (en) | 2001-05-11 | 2002-07-16 | Bank Of America Corporation | Data card |
USD453337S1 (en) | 2001-05-11 | 2002-02-05 | Bank Of America Corporation | Data card |
USD453160S1 (en) | 2001-05-11 | 2002-01-29 | Bank Of America Corporation | Data card |
USD453516S1 (en) | 2001-05-11 | 2002-02-12 | Bank Of America Corporation | Data card |
USD461477S1 (en) | 2001-05-11 | 2002-08-13 | Bank Of America Corporation | Data card |
US20030222153A1 (en) | 2000-07-06 | 2003-12-04 | Jamily Pentz | Data card |
USD462966S1 (en) | 2001-05-22 | 2002-09-17 | Bank Of America Corporation | Data card |
US6471127B2 (en) | 2000-07-06 | 2002-10-29 | Bank Of America Corporation | Data card |
USD454910S1 (en) | 2000-07-06 | 2002-03-26 | Mci Worldcom, Inc. | Card with keytag |
USD453161S1 (en) | 2001-05-11 | 2002-01-29 | Bank Of America Corporation | Data card |
USD462965S1 (en) | 2001-05-11 | 2002-09-17 | Bank Of America Corporation | Data card |
USD453338S1 (en) | 2001-05-11 | 2002-02-05 | Bank Of America Corporation | Data card |
JP4854170B2 (en) | 2000-07-07 | 2012-01-18 | ゲマルト ソシエテ アノニム | Transparent data card |
GB2364580A (en) | 2000-07-07 | 2002-01-30 | Ibm | Error detection mechanisms in spreadsheet packages |
JP4501241B2 (en) | 2000-07-10 | 2010-07-14 | ソニー株式会社 | IC card and IC card data communication method |
US20020043566A1 (en) | 2000-07-14 | 2002-04-18 | Alan Goodman | Transaction card and method for reducing frauds |
JP2002032687A (en) | 2000-07-17 | 2002-01-31 | Gakken Co Ltd | Fixed amount electronic credit card system |
US7131574B1 (en) | 2000-07-19 | 2006-11-07 | Lasercard Corporation | Optical memory card based e-commerce business method |
WO2002009061A2 (en) | 2000-07-21 | 2002-01-31 | Dresser, Inc. | Wireless communication in a retail refueling environment |
US7049962B2 (en) | 2000-07-28 | 2006-05-23 | Micoh Corporation | Materials and construction for a tamper indicating radio frequency identification label |
WO2002011019A1 (en) | 2000-08-01 | 2002-02-07 | First Usa Bank, N.A. | System and method for transponder-enabled account transactions |
KR100384948B1 (en) | 2000-08-03 | 2003-05-22 | 구홍식 | Fingerprints recognition electronic card key, door opening-shutting device, management system for electronic card key, and method for controlling access to door using the sames |
US6978369B2 (en) | 2000-08-04 | 2005-12-20 | First Data Corporation | Person-centric account-based digital signature system |
US20020052843A1 (en) | 2000-08-04 | 2002-05-02 | Canon Eduardo Gomez | Smart card for and method of executing transactions |
US6460696B1 (en) | 2000-08-17 | 2002-10-08 | Richard J. Meyer | Credit card holder with cards forming enclosing surfaces |
US20020026419A1 (en) | 2000-08-24 | 2002-02-28 | Sony Electronics, Inc. | Apparatus and method for populating a portable smart device |
US6466804B1 (en) | 2000-08-25 | 2002-10-15 | Motorola, Inc. | Method and apparatus for remote multiple access to subscriber identity module |
WO2002019124A1 (en) | 2000-08-30 | 2002-03-07 | Matsushita Electric Industrial Co.,Ltd. | Authentication system, authentication request device, validating device, and service medium |
US20020028704A1 (en) | 2000-09-05 | 2002-03-07 | Bloomfield Mark E. | Information gathering and personalization techniques |
WO2002023452A1 (en) | 2000-09-12 | 2002-03-21 | American Express Travel Related Services Company, Inc. | Microchip-enabled online transaction system |
DE10045736A1 (en) | 2000-09-15 | 2002-04-18 | Mario Witte | Method and device for creating row and group cultures |
US6990480B1 (en) | 2000-09-18 | 2006-01-24 | Trancept Limited | Information manager method and system |
EP1192914A1 (en) | 2000-09-27 | 2002-04-03 | Clearpac Limited | Container for sharp instruments |
US20020074398A1 (en) | 2000-09-29 | 2002-06-20 | Lancos Kenneth J. | System and method for making monetary transactions within a coverage area |
US7774231B2 (en) | 2000-09-29 | 2010-08-10 | Nokia Corporation | Electronic payment methods for a mobile device |
US6588660B1 (en) | 2000-09-29 | 2003-07-08 | Hewlett-Packard Development Company, L.P. | Passive contactless smartcard security system |
AU2001293248A1 (en) | 2000-10-03 | 2002-04-15 | Abraham R. Zingher | Biometric system and method for detecting duress transactions |
JP3524483B2 (en) | 2000-10-03 | 2004-05-10 | 東日本旅客鉄道株式会社 | Method and system for charging stored fair |
AU2002211424A1 (en) | 2000-10-04 | 2002-04-15 | American Express Travel Related Services Company, Inc. | System and method for providing feedback in an interactive payment system |
US7292996B2 (en) | 2000-10-06 | 2007-11-06 | Openwave Systems Inc. | Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service |
CA2322602A1 (en) | 2000-10-06 | 2002-04-06 | Ibm Canada Limited-Ibm Canada Limitee | System and method for generating a contract and conducting contractual activities under the contract |
US8924267B1 (en) | 2000-10-10 | 2014-12-30 | Gilbarco Inc. | Remote payment account relational system and method for retail devices |
US6814375B2 (en) | 2000-10-10 | 2004-11-09 | Relizon Canada | Integrated plasticized card in a paper carrier and method of manufacture |
US6883715B1 (en) | 2000-10-11 | 2005-04-26 | Stmicroelectronics, Inc. | Multi-mode smart card, system and associated methods |
US6819219B1 (en) | 2000-10-13 | 2004-11-16 | International Business Machines Corporation | Method for biometric-based authentication in wireless communication for access control |
JP2002133335A (en) | 2000-10-20 | 2002-05-10 | Omron Corp | Electronic settlement system and electronic settlement method |
US20020183882A1 (en) | 2000-10-20 | 2002-12-05 | Michael Dearing | RF point of sale and delivery method and system using communication with remote computer and having features to read a large number of RF tags |
JP3423283B2 (en) | 2000-10-26 | 2003-07-07 | 日本電信電話株式会社 | Prepaid payment method, its device, and its program recording medium |
JP2002140769A (en) | 2000-11-02 | 2002-05-17 | Yozan Inc | Method for collecting charge |
US8015592B2 (en) | 2002-03-28 | 2011-09-06 | Innovation Connection Corporation | System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe |
US8103881B2 (en) | 2000-11-06 | 2012-01-24 | Innovation Connection Corporation | System, method and apparatus for electronic ticketing |
US7337326B2 (en) | 2002-03-28 | 2008-02-26 | Innovation Connection Corporation | Apparatus and method for effecting secure physical and commercial transactions in a contactless manner using biometric identity validation |
KR20010025234A (en) | 2000-11-09 | 2001-04-06 | 김진삼 | A certification method of credit of a financing card based on fingerprint and a certification system thereof |
US20020097142A1 (en) | 2000-11-13 | 2002-07-25 | Janiak Martin J. | Biometric authentication device for use with token fingerprint data storage |
US6339384B1 (en) | 2000-11-13 | 2002-01-15 | Robert Valdes-Rodriguez | Toll booth credit device |
WO2002046857A2 (en) | 2000-11-17 | 2002-06-13 | Trimble Bradley G | Object locating system employing rf signaling |
US7318049B2 (en) | 2000-11-17 | 2008-01-08 | Gregory Fx Iannacci | System and method for an automated benefit recognition, acquisition, value exchange, and transaction settlement system using multivariable linear and nonlinear modeling |
JP2002157530A (en) | 2000-11-17 | 2002-05-31 | Nec Fielding Ltd | Settlement method and system utilizing prepaid card for electronic commerce |
US6944402B1 (en) | 2000-11-18 | 2005-09-13 | Tribeam Technologies, Inc. | Extended range infrared communication (ERIC) for an infrared associated (IrDA) compliant portable device |
DE60103085T2 (en) | 2000-11-20 | 2004-11-25 | British Telecommunications P.L.C. | METHOD FOR MANAGING RESOURCES |
US6877665B2 (en) | 2000-11-20 | 2005-04-12 | Ecrio, Inc. | System, method, and apparatus for communicating information encoded in a light-based signal using a fob device |
JP2002163585A (en) | 2000-11-29 | 2002-06-07 | Matsushita Electric Ind Co Ltd | Electronic settlement system and device |
US7253717B2 (en) | 2000-11-29 | 2007-08-07 | Mobile Technics Llc | Method and system for communicating with and tracking RFID transponders |
US20020065716A1 (en) | 2000-11-30 | 2002-05-30 | Kuschill James E. | Methods and system for processing loyalty transactions |
US6763500B2 (en) | 2000-12-01 | 2004-07-13 | Microsoft Corporation | Real-time-on-demand dynamic document generation |
US6820804B2 (en) | 2000-12-05 | 2004-11-23 | Interlink Electronics, Inc. | Method and system for performing a purchase transaction using a remote control and a television |
US6631849B2 (en) | 2000-12-06 | 2003-10-14 | Bank One, Delaware, National Association | Selectable multi-purpose card |
US6950939B2 (en) | 2000-12-08 | 2005-09-27 | Sony Corporation | Personal transaction device with secure storage on a removable memory device |
US20020073025A1 (en) | 2000-12-08 | 2002-06-13 | Tanner Robert G. | Virtual experience of a mobile device |
US7290364B2 (en) | 2000-12-08 | 2007-11-06 | Discover Financial Services Llc | Non-rectangular shaped credit card with case |
USD457556S1 (en) | 2000-12-08 | 2002-05-21 | Discover Financial Services, Inc. | Credit card |
US6377034B1 (en) | 2000-12-11 | 2002-04-23 | Texas Instruments Incorporated | Method and circuits for inductor current measurement in MOS switching regulators |
US6523292B2 (en) | 2000-12-14 | 2003-02-25 | Brenda L. Slavik | Clip card |
US20020077895A1 (en) | 2000-12-18 | 2002-06-20 | Steve Howell | Electronic consumer incentive distribution system |
JP4579405B2 (en) | 2000-12-19 | 2010-11-10 | 株式会社ジェーシービー | Payment system using mobile phone terminals |
US6563474B2 (en) | 2000-12-21 | 2003-05-13 | Lear Corporation | Remote access device having multiple inductive coil antenna |
US20040190688A1 (en) | 2003-03-31 | 2004-09-30 | Timmins Timothy A. | Communications methods and systems using voiceprints |
AU2002237736A1 (en) | 2000-12-21 | 2002-07-01 | Oscar M. Bassinson | Personal medication dispensing card |
US20020079367A1 (en) | 2000-12-27 | 2002-06-27 | Montani John J. | Method and apparatus for operating a self-service checkout terminal to access a customer account |
US6867683B2 (en) | 2000-12-28 | 2005-03-15 | Unisys Corporation | High security identification system for entry to multiple zones |
US6629591B1 (en) | 2001-01-12 | 2003-10-07 | Igt | Smart token |
US20020095588A1 (en) | 2001-01-12 | 2002-07-18 | Satoshi Shigematsu | Authentication token and authentication system |
US20020095343A1 (en) | 2001-01-12 | 2002-07-18 | Barton Steven P. | Apparatus and method for providing point of purchase products |
KR100905142B1 (en) | 2001-01-15 | 2009-06-29 | 쓰리엠 이노베이티브 프로퍼티즈 컴파니 | Multilayer Infrared Reflecting Film With High and Smooth Transmission in Visible Wavelength Region and Laminate Articles Made Therefrom |
US6871062B2 (en) | 2001-01-16 | 2005-03-22 | Idt Corporation | “Calling party pays” cellular and prepaid platforms for cellular calling systems |
US20020095587A1 (en) | 2001-01-17 | 2002-07-18 | International Business Machines Corporation | Smart card with integrated biometric sensor |
US6466126B2 (en) | 2001-01-19 | 2002-10-15 | Motorola, Inc. | Portable data device efficiently utilizing its available power and method thereof |
US20020107742A1 (en) | 2001-02-02 | 2002-08-08 | Magill J. Breck | System for and method of transacting non-fuel purchases using an island transaction terminal |
US6429776B1 (en) | 2001-02-07 | 2002-08-06 | Sensormatic Electronics Corporation | RFID reader with integrated display for use in a product tag system |
JP3859450B2 (en) | 2001-02-07 | 2006-12-20 | 富士通株式会社 | Secret information management system and information terminal |
US20020141621A1 (en) | 2001-02-09 | 2002-10-03 | Lane William F. | Self-authenticating identification substrate with encoded packet output |
AU2002255535A1 (en) | 2001-02-12 | 2002-08-28 | Stockback Holdings, Inc. | Customer loyalty programs and systems and methods for such programs |
US6734797B2 (en) | 2001-02-12 | 2004-05-11 | Matrics, Inc. | Identification tag utilizing charge pumps for voltage supply generation and data recovery |
US20020112177A1 (en) | 2001-02-12 | 2002-08-15 | Voltmer William H. | Anonymous biometric authentication |
GB0103452D0 (en) | 2001-02-13 | 2001-03-28 | Williams Stuart | Identification system |
US20020111210A1 (en) | 2001-02-15 | 2002-08-15 | Luciano Robert Anthony | Anonymous player identifiers in a gaming environment |
US20020109580A1 (en) | 2001-02-15 | 2002-08-15 | Shreve Gregory A. | Wireless universal personal access system |
DE10107373A1 (en) | 2001-02-16 | 2002-08-29 | Infineon Technologies Ag | Security module with volatile memory for storing an algorithm code |
US7000834B2 (en) | 2001-02-21 | 2006-02-21 | International Business Machines Corporation | Method to address security and privacy issue of the use of RFID systems to track consumer products |
SE0100598L (en) | 2001-02-22 | 2002-08-23 | Flink Administration Ab | Facility for the execution of payment orders |
US20020138438A1 (en) | 2001-02-23 | 2002-09-26 | Biometric Security Card, Inc. | Biometric identification system using biometric images and copy protect code stored on a magnetic stripe and associated methods |
US6959874B2 (en) | 2001-02-23 | 2005-11-01 | Bardwell William E | Biometric identification system using biometric images and personal identification number stored on a magnetic stripe and associated methods |
US20020196963A1 (en) | 2001-02-23 | 2002-12-26 | Biometric Security Card, Inc. | Biometric identification system using a magnetic stripe and associated methods |
WO2002069561A2 (en) | 2001-02-27 | 2002-09-06 | Visa International Service Association | Distributed quantum encrypted pattern generation and scoring |
AU2002248604A1 (en) | 2001-03-09 | 2002-09-24 | Pascal Brandys | System and method of user and data verification |
US6480100B1 (en) | 2001-03-09 | 2002-11-12 | Sat Corporation | Radio frequency identification tag formatting method |
US6915279B2 (en) | 2001-03-09 | 2005-07-05 | Mastercard International Incorporated | System and method for conducting secure payment transactions |
WO2002073512A1 (en) | 2001-03-13 | 2002-09-19 | 3M Innovative Properties Company | Radio frequency identification reader with removable media |
US7424618B2 (en) | 2001-03-14 | 2008-09-09 | Paladin Electronic Services, Inc. | Biometric access control and time and attendance network including configurable system-on-chip (CSOC) processors with embedded programmable logic |
JP2002274087A (en) | 2001-03-15 | 2002-09-25 | Dainippon Printing Co Ltd | Transparent card |
US7292999B2 (en) | 2001-03-15 | 2007-11-06 | American Express Travel Related Services Company, Inc. | Online card present transaction |
US20020131567A1 (en) | 2001-03-16 | 2002-09-19 | Maginas Stephen Paul | Device and method for repetitive communication of messages |
US6520542B2 (en) | 2001-03-19 | 2003-02-18 | Kenneth Thompson | Promotional two-piece in one postcard housing an integral coupon card |
US6623039B2 (en) | 2001-03-19 | 2003-09-23 | Kenneth Thompson | Multi-purpose card |
US7676426B2 (en) | 2001-03-20 | 2010-03-09 | Goldman Sachs & Co. | Biometric risk management |
US6877097B2 (en) | 2001-03-21 | 2005-04-05 | Activcard, Inc. | Security access method and apparatus |
US9219708B2 (en) | 2001-03-22 | 2015-12-22 | DialwareInc. | Method and system for remotely authenticating identification devices |
US6760581B2 (en) | 2001-03-26 | 2004-07-06 | International Business Machines Corporation | System and method for improved mobile phone functionality |
US6491217B2 (en) | 2001-03-31 | 2002-12-10 | Koninklijke Philips Electronics N.V. | Machine readable label reader system with versatile response selection |
US6850147B2 (en) | 2001-04-02 | 2005-02-01 | Mikos, Ltd. | Personal biometric key |
US20020147600A1 (en) | 2001-04-05 | 2002-10-10 | Ncr Corporation | System and method for implementing financial transactions using biometric keyed data |
US20020145037A1 (en) | 2001-04-09 | 2002-10-10 | Goodwin John C. | Item processing device with barcode reader and integrated RFID interrogator |
US20020147913A1 (en) | 2001-04-09 | 2002-10-10 | Lun Yip William Wai | Tamper-proof mobile commerce system |
US6914517B2 (en) | 2001-04-17 | 2005-07-05 | Dalton Patrick Enterprises, Inc. | Fingerprint sensor with feature authentication |
US20040177045A1 (en) | 2001-04-17 | 2004-09-09 | Brown Kerry Dennis | Three-legacy mode payment card with parametric authentication and data input elements |
WO2002086665A2 (en) | 2001-04-18 | 2002-10-31 | United States Postal Service | Apparatus and methods for a united states postal service smart card system |
US20020153410A1 (en) | 2001-04-19 | 2002-10-24 | Wayne Santini | Prepaid cellular phone easy activation model |
US20020153424A1 (en) | 2001-04-19 | 2002-10-24 | Chuan Li | Method and apparatus of secure credit card transaction |
US6671358B1 (en) | 2001-04-25 | 2003-12-30 | Universal Identity Technologies, Inc. | Method and system for rewarding use of a universal identifier, and/or conducting a financial transaction |
US6816058B2 (en) | 2001-04-26 | 2004-11-09 | Mcgregor Christopher M | Bio-metric smart card, bio-metric smart card reader and method of use |
US6869013B2 (en) | 2001-05-04 | 2005-03-22 | Outsite Networks, Inc. | Systems and methods for the identification and displaying of information |
US20020163421A1 (en) | 2001-05-07 | 2002-11-07 | Po-Tong Wang | Personal fingerprint authentication method of bank card and credit card |
DE60109585D1 (en) | 2001-05-08 | 2005-04-28 | Ericsson Telefon Ab L M | Secure access to a remote subscriber module |
US20020169673A1 (en) | 2001-05-11 | 2002-11-14 | International Business Machines Corporation | Point of sale enhanced manager/operator override system |
US20020178124A1 (en) | 2001-05-22 | 2002-11-28 | Lewis Shawn Michael | Credit card verification system |
US7003497B2 (en) | 2001-05-23 | 2006-02-21 | International Business Machines Corporation | System and method for confirming electronic transactions |
US7542942B2 (en) | 2001-07-10 | 2009-06-02 | American Express Travel Related Services Company, Inc. | System and method for securing sensitive information during completion of a transaction |
US20020176522A1 (en) | 2001-05-25 | 2002-11-28 | Koninklijke Phillips Electronics N.V. | Quadrature envelope-sampling of intermediate frequency signal in receiver |
US20020178063A1 (en) | 2001-05-25 | 2002-11-28 | Kelly Gravelle | Community concept for payment using RF ID transponders |
US7401049B2 (en) | 2001-05-29 | 2008-07-15 | American Express Travel Related Services Company, Inc. | System and method for a prepaid card issued by a foreign financial institution |
US20020194303A1 (en) | 2001-05-29 | 2002-12-19 | Nokia Corporation | Portable shopping assistant |
US10592901B2 (en) | 2001-06-04 | 2020-03-17 | Orbis Patents, Ltd. | Business-to-business commerce using financial transaction numbers |
US20020179704A1 (en) | 2001-06-05 | 2002-12-05 | Ncr Corporation | Enhanced digital wallet |
US6507279B2 (en) | 2001-06-06 | 2003-01-14 | Sensormatic Electronics Corporation | Complete integrated self-checkout system and method |
US7588185B2 (en) | 2001-06-07 | 2009-09-15 | 3M Innovative Properties Company | RFID data collection and use |
JP2003085149A (en) | 2001-06-07 | 2003-03-20 | Systemneeds Inc | Fingerprint authenticating device and authenticating system |
US7003670B2 (en) | 2001-06-08 | 2006-02-21 | Musicrypt, Inc. | Biometric rights management system |
US20020188501A1 (en) | 2001-06-11 | 2002-12-12 | David Lefkowith | Method and system for providing rebates to automobile owners based on purchases made at participating retailer locations |
US20030009382A1 (en) | 2001-06-12 | 2003-01-09 | D'arbeloff Matthew A. | Customer identification, loyalty and merchant payment gateway |
US7478068B2 (en) | 2001-06-14 | 2009-01-13 | Sony Corporation | System and method of selecting consumer profile and account information via biometric identifiers |
US6626356B2 (en) | 2001-06-14 | 2003-09-30 | General Electric Company | Multi-use credit card for financial transactions and vehicle configuration |
US6823910B1 (en) | 2001-06-15 | 2004-11-30 | Alex Elnekaveh | Money clip and card holder |
US6601762B2 (en) | 2001-06-15 | 2003-08-05 | Koninklijke Philips Electronics N.V. | Point-of-sale (POS) voice authentication transaction system |
US6457996B1 (en) | 2001-06-22 | 2002-10-01 | Jess-Link Products Co., Ltd. | Connector to PDA external keyboard |
KR20030000942A (en) | 2001-06-27 | 2003-01-06 | 이명기 | Apparatus and Method for Electronic payment with strengthened authentication capability and Vending machine equiped with the same apparatus |
CA2403300A1 (en) | 2002-09-12 | 2004-03-12 | Pranil Ram | A method of buying or selling items and a user interface to facilitate the same |
US6834795B1 (en) | 2001-06-29 | 2004-12-28 | Sun Microsystems, Inc. | Secure user authentication to computing resource via smart card |
US7383224B2 (en) | 2001-06-29 | 2008-06-03 | Capital One Financial Corporation | Systems and methods for processing credit card transactions that exceed a credit limit |
US7237121B2 (en) | 2001-09-17 | 2007-06-26 | Texas Instruments Incorporated | Secure bootloader for securing digital devices |
US7762457B2 (en) | 2001-07-10 | 2010-07-27 | American Express Travel Related Services Company, Inc. | System and method for dynamic fob synchronization and personalization |
US7360689B2 (en) | 2001-07-10 | 2008-04-22 | American Express Travel Related Services Company, Inc. | Method and system for proffering multiple biometrics for use with a FOB |
US20040232224A1 (en) | 2001-07-10 | 2004-11-25 | American Express Travel Related Services Company, Inc. | Method for registering biometric for use with a fob |
US8960535B2 (en) | 2001-07-10 | 2015-02-24 | Iii Holdings 1, Llc | Method and system for resource management and evaluation |
US7154375B2 (en) | 2001-07-10 | 2006-12-26 | American Express Travel Related Services Company, Inc. | Biometric safeguard method with a fob |
US20040239480A1 (en) | 2001-07-10 | 2004-12-02 | American Express Travel Related Services Company, Inc. | Method for biometric security using a transponder |
US20050033687A1 (en) | 2001-07-10 | 2005-02-10 | American Express Travel Related Services Company, Inc. | Method and system for auditory emissions recognition biometrics on a fob |
US20040236699A1 (en) | 2001-07-10 | 2004-11-25 | American Express Travel Related Services Company, Inc. | Method and system for hand geometry recognition biometrics on a fob |
US7668750B2 (en) * | 2001-07-10 | 2010-02-23 | David S Bonalle | Securing RF transactions using a transactions counter |
US20040236700A1 (en) | 2001-07-10 | 2004-11-25 | American Express Travel Related Services Company, Inc. | Method and system for keystroke scan recognition biometrics on a fob |
US7303120B2 (en) | 2001-07-10 | 2007-12-04 | American Express Travel Related Services Company, Inc. | System for biometric security using a FOB |
US7121471B2 (en) | 2001-07-10 | 2006-10-17 | American Express Travel Related Services Company, Inc. | Method and system for DNA recognition biometrics on a fob |
US8548927B2 (en) | 2001-07-10 | 2013-10-01 | Xatra Fund Mx, Llc | Biometric registration for facilitating an RF transaction |
US7925535B2 (en) | 2001-07-10 | 2011-04-12 | American Express Travel Related Services Company, Inc. | System and method for securing RF transactions using a radio frequency identification device including a random number generator |
US20040233039A1 (en) | 2001-07-10 | 2004-11-25 | American Express Travel Related Services Company, Inc. | System for registering a biometric for use with a transponder |
US7119659B2 (en) | 2001-07-10 | 2006-10-10 | American Express Travel Related Services Company, Inc. | Systems and methods for providing a RF transaction device for use in a private label transaction |
US20030014307A1 (en) | 2001-07-16 | 2003-01-16 | General Motors Corporation | Method and system for mobile commerce advertising |
US20030014357A1 (en) | 2001-07-16 | 2003-01-16 | General Motors Corporation | Method and system for conducting user defined mobile commerce |
US6669086B2 (en) | 2001-07-23 | 2003-12-30 | Faisal H. Abdi | Self service check cashing system and method |
US20030018532A1 (en) | 2001-07-23 | 2003-01-23 | General Motors Corporation | Method and device for conducting mobile commerce |
US7184747B2 (en) | 2001-07-25 | 2007-02-27 | Ncr Corporation | System and method for implementing financial transactions using cellular telephone data |
KR100505187B1 (en) | 2001-08-08 | 2005-08-04 | 오므론 가부시키가이샤 | Device and method of authentication, and method of registration of identity of the person |
JP2003058889A (en) | 2001-08-10 | 2003-02-28 | S Stuff:Kk | Method and device for identifying individual |
US6945453B1 (en) | 2001-08-13 | 2005-09-20 | Bank One Delaware N.A. | System and method for funding a collective account by use of an electronic tag |
JP4602606B2 (en) | 2001-08-15 | 2010-12-22 | ソニー株式会社 | Authentication processing system, authentication processing method, authentication device, and computer program |
US20030033697A1 (en) | 2001-08-16 | 2003-02-20 | Hicks Bryan K. | Buckle lanyard connector and system |
USD474234S1 (en) | 2001-08-16 | 2003-05-06 | Discover Financial Services, Inc. | Credit card and case |
US20030046228A1 (en) | 2001-08-28 | 2003-03-06 | Jean-Marc Berney | User-wearable functional jewelry with biometrics and smartcard to remotely sign and/or authenticate to e-services |
US6848622B2 (en) | 2001-09-05 | 2005-02-01 | Sony Corporation | Plastic card |
EP1428102A4 (en) | 2001-09-06 | 2009-08-26 | Mastercard International Inc | Method and device for control by consumers over personal data |
US6752272B2 (en) | 2001-09-13 | 2004-06-22 | Mead Westvaco Corporation | Unit dose packaging system with exterior pocket feature |
US6811082B2 (en) | 2001-09-18 | 2004-11-02 | Jacob Y. Wong | Advanced magnetic stripe bridge (AMSB) |
US20030055727A1 (en) | 2001-09-18 | 2003-03-20 | Walker Jay S. | Method and apparatus for facilitating the provision of a benefit to a customer of a retailer |
US20030177102A1 (en) | 2001-09-21 | 2003-09-18 | Timothy Robinson | System and method for biometric authorization for age verification |
US7269737B2 (en) | 2001-09-21 | 2007-09-11 | Pay By Touch Checking Resources, Inc. | System and method for biometric authorization for financial transactions |
US6695166B2 (en) | 2001-09-26 | 2004-02-24 | Vending Management Services, Ltd. | Vending machine inventory system and method |
US6965816B2 (en) | 2001-10-01 | 2005-11-15 | Kline & Walker, Llc | PFN/TRAC system FAA upgrades for accountable remote and robotics control to stop the unauthorized use of aircraft and to improve equipment management and public safety in transportation |
US20030069828A1 (en) | 2001-10-04 | 2003-04-10 | Eastman Kodak Company | System for and managing assets using priority tokens |
AU2002347822B2 (en) | 2001-10-05 | 2008-07-24 | Mastercard International Incorporated | System and method for integrated circuit card data storage |
US7996318B2 (en) | 2001-10-09 | 2011-08-09 | Robert Victor Marcon | Multi-function electronic transaction card |
US20060095369A1 (en) | 2001-10-15 | 2006-05-04 | Eyal Hofi | Device, method and system for authorizing transactions |
US20030074317A1 (en) | 2001-10-15 | 2003-04-17 | Eyal Hofi | Device, method and system for authorizing transactions |
US6934861B2 (en) | 2001-11-06 | 2005-08-23 | Crosscheck Identification Systems International, Inc. | National identification card system and biometric identity verification method for negotiating transactions |
US6766952B2 (en) | 2001-11-06 | 2004-07-27 | Quadnovation, Inc. | SIM card carrier |
US6681926B2 (en) | 2001-11-07 | 2004-01-27 | Devolpi Dean R. | Integral keyboard and storage organizer |
US20030086591A1 (en) | 2001-11-07 | 2003-05-08 | Rudy Simon | Identity card and tracking system |
US20050212657A1 (en) | 2001-11-07 | 2005-09-29 | Rudy Simon | Identity verification system with self-authenticating card |
US6644551B2 (en) | 2001-11-09 | 2003-11-11 | G + D Cardtech, Inc. | Card |
EP1446759B1 (en) | 2001-11-19 | 2013-01-16 | Robert L. Burchette, Jr. | Transaction card system having security against unauthorized usage |
US6857566B2 (en) | 2001-12-06 | 2005-02-22 | Mastercard International | Method and system for conducting transactions using a payment card with two technologies |
US7805376B2 (en) | 2002-06-14 | 2010-09-28 | American Express Travel Related Services Company, Inc. | Methods and apparatus for facilitating a transaction |
CA2470094C (en) | 2001-12-18 | 2007-12-04 | Digimarc Id Systems, Llc | Multiple image security features for identification documents and methods of making same |
US6601622B1 (en) | 2001-12-18 | 2003-08-05 | Tbac Investment Trust | Personal accessory with quick-access |
US20030112972A1 (en) | 2001-12-18 | 2003-06-19 | Hattick John B. | Data carrier for the secure transmission of information and method thereof |
AU2002357927A1 (en) | 2001-12-19 | 2003-07-09 | Id Technologies Corporation | System and method for biometric-based fraud protection |
US7929951B2 (en) | 2001-12-20 | 2011-04-19 | Stevens Lawrence A | Systems and methods for storage of user information and for verifying user identity |
US20030120626A1 (en) | 2001-12-20 | 2003-06-26 | Koninklijke Philips Electronics N.V. | Voice-enabled, consumer transaction system |
US6675093B1 (en) | 2001-12-21 | 2004-01-06 | Garmin Ltd. | Systems, functional data, and methods for generating a route |
WO2003056499A2 (en) | 2001-12-24 | 2003-07-10 | Digimarc Id Systems Llc | Pet based multi-multi-layer smart cards |
US7127236B2 (en) | 2001-12-26 | 2006-10-24 | Vivotech, Inc. | Micropayment financial transaction process utilizing wireless network processing |
US7051932B2 (en) | 2001-12-26 | 2006-05-30 | Vivotech, Inc. | Adaptor for magnetic stripe card reader |
US20030124294A1 (en) | 2001-12-28 | 2003-07-03 | Hodson Jay D. | Scored package and a method of making the same |
US20030225623A1 (en) | 2002-01-04 | 2003-12-04 | John Wankmueller | Method and system for conducting transactions using a payment card with account information encoded in bar code |
US20030130820A1 (en) | 2002-01-07 | 2003-07-10 | Lane George H. | Work order system |
US7451917B2 (en) | 2002-01-11 | 2008-11-18 | Hand Held Products, Inc. | Transaction terminal comprising imaging module |
US6843415B2 (en) | 2002-01-11 | 2005-01-18 | Sap Atkiengesellschaft | Event-based communication in a distributed item tracking system |
US20030132132A1 (en) | 2002-01-16 | 2003-07-17 | Small George H | Retractable identification holder and methods of using same |
US20030153356A1 (en) | 2002-01-28 | 2003-08-14 | Shih-Yuan Liu | Mobile phone for multiple SIM cards |
DE10203926A1 (en) | 2002-01-31 | 2003-08-14 | Richard Brandt | Data carrier e.g. smart card with personal data security, has storage element for encoded person-specific data based on biometric characteristics |
US6732919B2 (en) | 2002-02-19 | 2004-05-11 | Hewlett-Packard Development Company, L.P. | System and method for using a multiple-use credit card |
US6691904B2 (en) | 2002-02-25 | 2004-02-17 | Gerardo Pineda | ID badge lanyard combination necktie holdown apparatus |
GB0204620D0 (en) | 2002-02-28 | 2002-04-10 | Europay Internat N V | Chip authentication programme |
JP3902489B2 (en) | 2002-03-04 | 2007-04-04 | エフアイエス株式会社 | Gas chromatograph device and breath component analyzer |
US20030225713A1 (en) | 2002-03-08 | 2003-12-04 | Atkinson Roger F. | Prepayment system for power distribution using RFID technology |
US7426479B2 (en) | 2002-03-12 | 2008-09-16 | Ncr Corporation | Customer activity data system and method |
JP2003271960A (en) | 2002-03-12 | 2003-09-26 | Matsushita Electric Ind Co Ltd | Device and method for collating fingerprint, and program |
US7204425B2 (en) | 2002-03-18 | 2007-04-17 | Precision Dynamics Corporation | Enhanced identification appliance |
CA2479602C (en) | 2002-03-19 | 2014-12-23 | Mastercard International Incorporated | Method and system for conducting a transaction using a proximity device |
US7925576B2 (en) | 2002-03-26 | 2011-04-12 | First Data Corporation | Systems for processing transponder-based transactions |
US20030187786A1 (en) | 2002-03-26 | 2003-10-02 | Amy Swift | Merchant transponder systems using electronic check processing |
US20030187790A1 (en) | 2002-03-26 | 2003-10-02 | Amy Swift | Electronic check processing systems |
US7131571B2 (en) | 2002-03-26 | 2006-11-07 | First Data Corporation | Alternative payment devices using electronic check processing as a payment mechanism |
US20020107007A1 (en) | 2002-03-27 | 2002-08-08 | Howard Gerson | Method for wireless telephony payment and an apparatus therefor |
US8751391B2 (en) | 2002-03-29 | 2014-06-10 | Jpmorgan Chase Bank, N.A. | System and process for performing purchase transactions using tokens |
JP3940014B2 (en) | 2002-03-29 | 2007-07-04 | 富士通株式会社 | Semiconductor integrated circuit, wireless tag, and contactless IC card |
US7299364B2 (en) | 2002-04-09 | 2007-11-20 | The Regents Of The University Of Michigan | Method and system to maintain application data secure and authentication token for use therein |
US20030195037A1 (en) | 2002-04-11 | 2003-10-16 | Vt Tech Corp. | Video gaming machine for casino games |
US20030195842A1 (en) | 2002-04-15 | 2003-10-16 | Kenneth Reece | Method and device for making secure transactions |
US7707120B2 (en) | 2002-04-17 | 2010-04-27 | Visa International Service Association | Mobile account authentication service |
US7229013B2 (en) | 2002-04-17 | 2007-06-12 | American Eps, Inc. | Biometric multi-purpose terminal, payroll and work management system and related methods |
US6944768B2 (en) | 2002-04-19 | 2005-09-13 | Cross Match Technologies, Inc. | System and methods for access control utilizing two factors to control access |
US7079007B2 (en) | 2002-04-19 | 2006-07-18 | Cross Match Technologies, Inc. | Systems and methods utilizing biometric data |
EP2290600A3 (en) | 2002-04-24 | 2011-05-11 | SK Telecom Co., Ltd. | Mobile terminal with user identification card including personal finance-related information and method of using a value-added mobile service through said mobile terminal |
AU2003214943A1 (en) | 2002-05-03 | 2003-11-17 | Manugistics, Inc. | System and method for sharing information relating to supply chain transactions in multiple environments |
US20030208439A1 (en) | 2002-05-03 | 2003-11-06 | Rast Rodger H. | Automated soft limit control of electronic transaction accounts |
US7274807B2 (en) | 2002-05-30 | 2007-09-25 | Activcard Ireland Limited | Method and apparatus for supporting a biometric registration performed on a card |
DE10224209B4 (en) | 2002-05-31 | 2004-09-23 | Infineon Technologies Ag | Authorization means security module terminal system |
US20030227550A1 (en) | 2002-06-06 | 2003-12-11 | Manico Joseph A. | System and method for providing a customized imaging product or service |
CA2489859A1 (en) | 2002-06-17 | 2003-12-24 | Mars, Incorporated | Container with integral card holder |
US6751805B1 (en) | 2002-06-17 | 2004-06-22 | Kenneth Austion | Rider down emergency identification card |
DE10227558A1 (en) | 2002-06-20 | 2004-01-15 | Infineon Technologies Ag | System for data exchange between at least two contactless data carriers |
US8060139B2 (en) | 2002-06-24 | 2011-11-15 | Toshiba American Research Inc. (Tari) | Authenticating multiple devices simultaneously over a wireless link using a single subscriber identity module |
US7606730B2 (en) | 2002-06-25 | 2009-10-20 | American Express Travel Relate Services Company, Inc. | System and method for a multiple merchant stored value card |
US7587756B2 (en) | 2002-07-09 | 2009-09-08 | American Express Travel Related Services Company, Inc. | Methods and apparatus for a secure proximity integrated circuit card transactions |
US20040015451A1 (en) | 2002-07-10 | 2004-01-22 | Sahota Jagdeep Singh | Method for conducting financial transactions utilizing infrared data communications |
US8412623B2 (en) | 2002-07-15 | 2013-04-02 | Citicorp Credit Services, Inc. | Method and system for a multi-purpose transactional platform |
US20040127256A1 (en) | 2002-07-30 | 2004-07-01 | Scott Goldthwaite | Mobile device equipped with a contactless smart card reader/writer |
US20040019564A1 (en) | 2002-07-26 | 2004-01-29 | Scott Goldthwaite | System and method for payment transaction authentication |
US7616784B2 (en) | 2002-07-29 | 2009-11-10 | Robert William Kocher | Method and apparatus for contactless hand recognition |
US20040104268A1 (en) | 2002-07-30 | 2004-06-03 | Bailey Kenneth Stephen | Plug in credit card reader module for wireless cellular phone verifications |
JP4265167B2 (en) | 2002-08-02 | 2009-05-20 | ソニー株式会社 | Personal authentication device, computer input device, portable information terminal, vehicle handle, and personal authentication method |
JP2004070831A (en) | 2002-08-08 | 2004-03-04 | Sony Corp | Input device |
JP4140313B2 (en) | 2002-08-09 | 2008-08-27 | 日本ユニカ株式会社 | Personal authentication device, locking device |
US7083090B2 (en) | 2002-08-09 | 2006-08-01 | Patrick Zuili | Remote portable and universal smartcard authentication and authorization device |
US20040041021A1 (en) | 2002-08-27 | 2004-03-04 | Ncr Corporation | Modular self checkout system |
US6786400B1 (en) | 2002-09-06 | 2004-09-07 | Capital One Financial Corporation | Multiple account banking system and method |
CZ2005209A3 (en) | 2002-09-10 | 2005-12-14 | Ivi Smart Technologies, Inc. | Safe biometric verification of identity |
US20040050930A1 (en) | 2002-09-17 | 2004-03-18 | Bernard Rowe | Smart card with onboard authentication facility |
US20040059923A1 (en) | 2002-09-25 | 2004-03-25 | Shamrao Andrew Divaker | Systems and methods for authentication |
JP2004118627A (en) | 2002-09-27 | 2004-04-15 | Toshiba Corp | Figure identification device and method |
US20040139021A1 (en) | 2002-10-07 | 2004-07-15 | Visa International Service Association | Method and system for facilitating data access and management on a secure token |
USH2120H1 (en) | 2002-10-10 | 2005-07-05 | The United States Of America As Represented By The Secretary Of The Air Force | Biometric personal identification credential system (PICS) |
AU2003285891A1 (en) | 2002-10-15 | 2004-05-04 | Digimarc Corporation | Identification document and related methods |
KR20060063769A (en) | 2002-10-18 | 2006-06-12 | 심볼테크놀로지스,인코포레이티드 | Method for the efficient reading of a population of radio frequency identification tags with unique identification numbers over a noisy air channel |
US7188481B2 (en) | 2002-10-30 | 2007-03-13 | Honeywell International Inc. | Adjustable damper actuator |
US20060034492A1 (en) | 2002-10-30 | 2006-02-16 | Roy Siegel | Hand recognition system |
JP2004164347A (en) | 2002-11-14 | 2004-06-10 | Dainippon Printing Co Ltd | Ic card and method for principal authentication using the same |
JP2004178141A (en) | 2002-11-26 | 2004-06-24 | Hitachi Ltd | Ic card with illicit use preventing function |
US7130452B2 (en) | 2002-12-03 | 2006-10-31 | International Business Machines Corporation | System and method for multi-party validation, authentication and/or authorization via biometrics |
US7494060B2 (en) | 2002-12-10 | 2009-02-24 | Anthony Zagami | Information-based access control system for sea port terminals |
US6685088B1 (en) | 2002-12-13 | 2004-02-03 | American Express Travel Related Services Company, Inc. | System and method for selecting an account |
AU2002953325A0 (en) | 2002-12-13 | 2003-01-09 | Executive Computing Holdings Pty Ltd | Means for providing protection for digital assets |
US6776332B2 (en) | 2002-12-26 | 2004-08-17 | Micropin Technologies Inc. | System and method for validating and operating an access card |
US7116805B2 (en) | 2003-01-07 | 2006-10-03 | Avagotechnologies Ecbu Ip (Singapore) Pte. Ltd. | Fingerprint verification device |
US7124955B2 (en) | 2003-01-28 | 2006-10-24 | American Express Travel Related Services Company, Inc. | Compact or convenient transaction cards |
US7059159B2 (en) | 2003-02-06 | 2006-06-13 | Mi-Jack Products, Inc. | Security system for cargo trailers |
US20040158723A1 (en) | 2003-02-06 | 2004-08-12 | Root David C. | Methods for providing high-integrity enrollments into biometric authentication databases |
US7005965B2 (en) | 2003-02-14 | 2006-02-28 | Winbond Electronics Corporation | Radio frequency identification device |
US6708375B1 (en) | 2003-02-24 | 2004-03-23 | Maria Ward Johnson | Harness wallet |
US7108190B2 (en) | 2003-02-28 | 2006-09-19 | Appleton Papers Inc. | Token array and method employing authentication tokens bearing scent formulation information |
US7186357B2 (en) | 2003-03-12 | 2007-03-06 | Alcan International Limited | High swelling ramming paste for aluminum electrolysis cell |
US20040199469A1 (en) | 2003-03-21 | 2004-10-07 | Barillova Katrina A. | Biometric transaction system and method |
US20040193676A1 (en) | 2003-03-24 | 2004-09-30 | Nokia Corporation | System, terminal and method of transmitting information utilizing a variable-string uniform resource locator (URL) |
GB2402249A (en) | 2003-03-28 | 2004-12-01 | Qinetiq Ltd | Integrated passenger management system using biometric sensors and a mm wave camera |
US6983882B2 (en) | 2003-03-31 | 2006-01-10 | Kepler, Ltd. | Personal biometric authentication and authorization device |
KR20040087690A (en) | 2003-04-07 | 2004-10-15 | 주식회사 씨크롭 | System and Method for a credit transaction by a fingerprint |
JP4347599B2 (en) | 2003-04-10 | 2009-10-21 | オリンパス株式会社 | Personal authentication device |
US6845863B1 (en) | 2003-04-22 | 2005-01-25 | Herman Riley | Card magnetic strip protector sleeve |
US20040215575A1 (en) | 2003-04-28 | 2004-10-28 | John Garrity | Efficient management of fueling transactions |
US7268667B2 (en) | 2003-05-09 | 2007-09-11 | American Express Travel Related Services Company, Inc. | Systems and methods for providing a RF transaction device operable to store multiple distinct accounts |
US7100821B2 (en) | 2003-05-15 | 2006-09-05 | Mehran Randall Rasti | Charge card and debit transactions using a variable charge number |
WO2004105359A2 (en) | 2003-05-19 | 2004-12-02 | Einar Rosenberg | An apparatus and method for increased security of wireless transactions |
US6923370B2 (en) | 2003-05-20 | 2005-08-02 | Bradley L. Gotfried | Access system |
JP2004348478A (en) | 2003-05-22 | 2004-12-09 | Hitachi Ltd | Authentication system using ic card and ic card |
US20040236680A1 (en) | 2003-05-22 | 2004-11-25 | International Business Machines Corporation | Method and apparatus for displaying embedded chip states and embedded chip end-user application states |
US6735081B1 (en) | 2003-05-27 | 2004-05-11 | Nortel Networks Limited | Thermal management apparatus for horizontal electronics enclosures |
US7421097B2 (en) | 2003-05-27 | 2008-09-02 | Honeywell International Inc. | Face identification verification using 3 dimensional modeling |
JP2005010826A (en) | 2003-06-16 | 2005-01-13 | Fujitsu Ltd | Authentication terminal device, biometrics information authentication system and biometrics information acquisition system |
US7088220B2 (en) | 2003-06-20 | 2006-08-08 | Motorola, Inc. | Method and apparatus using biometric sensors for controlling access to a wireless communication device |
US6961450B2 (en) | 2003-06-25 | 2005-11-01 | Intelligent Biometric Technology, Inc. | Personal identification method, electronic identification system and apparatus for personal biometrical identification by gauging geometry of the person's hand |
JP3728304B2 (en) | 2003-07-10 | 2005-12-21 | キヤノン株式会社 | Information processing method, information processing apparatus, program, and storage medium |
JP2005032164A (en) | 2003-07-11 | 2005-02-03 | Matsushita Electric Ind Co Ltd | Authentication system, authentication device, server device, registration device, and terminal device |
US20050011776A1 (en) | 2003-07-14 | 2005-01-20 | Nagel Richard R. | Easy access credit card holder |
US20050021457A1 (en) | 2003-07-25 | 2005-01-27 | Johnson A. Wayne | Financial account up-front incentives management system and method |
US20050065842A1 (en) | 2003-07-28 | 2005-03-24 | Richard Summers | System and method for coordinating product inspection, repair and product maintenance |
US6981591B2 (en) | 2003-07-31 | 2006-01-03 | Umbra Inc. | Case with elastic-secured end cap |
WO2005024562A2 (en) | 2003-08-11 | 2005-03-17 | Eloret Corporation | System and method for pattern recognition in sequential data |
US20050040272A1 (en) | 2003-08-19 | 2005-02-24 | Argumedo Armando Jesus | Cartridge with slanted memory chip and conforming wall |
US7127672B1 (en) | 2003-08-22 | 2006-10-24 | Microsoft Corporation | Creating and managing structured data in an electronic spreadsheet |
US7104446B2 (en) | 2003-09-03 | 2006-09-12 | Visa U.S.A., Inc. | Method, system and portable consumer device using wildcard values |
US20050054438A1 (en) | 2003-09-04 | 2005-03-10 | Rothschild Wayne H. | Universal personal identifier for accessing patron information at a gaming venue |
US7676408B2 (en) | 2003-09-12 | 2010-03-09 | Moebs Services, Inc. | Risk identification system and methods |
JP2005115923A (en) | 2003-09-18 | 2005-04-28 | Ricoh Co Ltd | Information providing system |
CA2540453A1 (en) | 2003-09-26 | 2005-04-07 | Mastercard International Incorporated | Method and system for biometrically enabling a proximity payment device |
US7787667B2 (en) | 2003-10-01 | 2010-08-31 | Authentec, Inc. | Spot-based finger biometric processing method and associated sensor |
US7743980B2 (en) | 2003-11-12 | 2010-06-29 | De Sylva Robert Francis | System and method for facilitating monetary transactions |
US7039440B2 (en) | 2003-11-20 | 2006-05-02 | International Business Machines Corporation | Wireless rechargeable money card |
US7363505B2 (en) | 2003-12-03 | 2008-04-22 | Pen-One Inc | Security authentication method and system |
US20050125343A1 (en) | 2003-12-03 | 2005-06-09 | Mendelovich Isaac F. | Method and apparatus for monetizing personal consumer profiles by aggregating a plurality of consumer credit card accounts into one card |
US7543331B2 (en) | 2003-12-22 | 2009-06-02 | Sun Microsystems, Inc. | Framework for providing a configurable firewall for computing systems |
US6997381B2 (en) | 2003-12-24 | 2006-02-14 | Michael Arnouse | Dual-sided smart card reader |
US20050149358A1 (en) | 2004-01-06 | 2005-07-07 | Lisa M. Sacco And Lynn Greenky | RFID tracking of anesthesiologist and patient time |
US7376841B2 (en) | 2004-01-12 | 2008-05-20 | International Business Machines Corporation | Portable computer with a hand impression |
EP1566788A3 (en) | 2004-01-23 | 2017-11-22 | Sony United Kingdom Limited | Display |
US20050165684A1 (en) | 2004-01-28 | 2005-07-28 | Saflink Corporation | Electronic transaction verification system |
US20050203857A1 (en) | 2004-03-09 | 2005-09-15 | Friedman Lawrence J. | Methods for transaction processing |
US20050216424A1 (en) | 2004-03-23 | 2005-09-29 | Star Systems, Inc. | Transaction system with special handling of micropayment transaction requests |
US7472833B2 (en) | 2004-03-25 | 2009-01-06 | Hewlett-Packard Development Company, L.P. | Information card |
US20050221853A1 (en) | 2004-03-31 | 2005-10-06 | Silvester Kelan C | User authentication using a mobile phone SIM card |
US7434054B2 (en) | 2004-03-31 | 2008-10-07 | Microsoft Corporation | Asynchronous enhanced shared secret provisioning protocol |
US7132946B2 (en) | 2004-04-08 | 2006-11-07 | 3M Innovative Properties Company | Variable frequency radio frequency identification (RFID) tags |
US20050232471A1 (en) | 2004-04-20 | 2005-10-20 | Richard Baer | Biometric data card and authentication method |
US8918900B2 (en) | 2004-04-26 | 2014-12-23 | Ivi Holdings Ltd. | Smart card for passport, electronic passport, and method, system, and apparatus for authenticating person holding smart card or electronic passport |
US20050278222A1 (en) | 2004-05-24 | 2005-12-15 | Nortrup Edward H | Systems and methods for performing transactions |
EP1610273A1 (en) | 2004-06-25 | 2005-12-28 | STMicroelectronics Belgium N.V. | Improved security device and terminal and method for communication between them |
US7318550B2 (en) | 2004-07-01 | 2008-01-15 | American Express Travel Related Services Company, Inc. | Biometric safeguard method for use with a smartcard |
US20060000899A1 (en) | 2004-07-01 | 2006-01-05 | American Express Travel Related Services Company, Inc. | Method and system for dna recognition biometrics on a smartcard |
US20060000896A1 (en) | 2004-07-01 | 2006-01-05 | American Express Travel Related Services Company, Inc. | Method and system for voice recognition biometrics on a smartcard |
US7314164B2 (en) * | 2004-07-01 | 2008-01-01 | American Express Travel Related Services Company, Inc. | System for biometric security using a smartcard |
US7363504B2 (en) * | 2004-07-01 | 2008-04-22 | American Express Travel Related Services Company, Inc. | Method and system for keystroke scan recognition biometrics on a smartcard |
US7325724B2 (en) | 2004-07-01 | 2008-02-05 | American Express Travel Related Services Company, Inc. | Method for registering a biometric for use with a smartcard |
US20060016869A1 (en) | 2004-07-01 | 2006-01-26 | American Express Travel Related Services Company, Inc. | Method and system for auditory emissions recognition biometrics on a smartcard |
US20060000894A1 (en) | 2004-07-01 | 2006-01-05 | American Express Travel Related Services Company, Inc. | Method and system for fingerprint biometrics on a smartcard |
US20060000895A1 (en) | 2004-07-01 | 2006-01-05 | American Express Travel Related Services Company, Inc. | Method and system for facial recognition biometrics on a smartcard |
US7341181B2 (en) * | 2004-07-01 | 2008-03-11 | American Express Travel Related Services Company, Inc. | Method for biometric security using a smartcard |
US20060000897A1 (en) | 2004-07-01 | 2006-01-05 | American Express Travel Related Services Company, Inc. | Method and system for signature recognition biometrics on a smartcard |
US7314165B2 (en) * | 2004-07-01 | 2008-01-01 | American Express Travel Related Services Company, Inc. | Method and system for smellprint recognition biometrics on a smartcard |
US20060000893A1 (en) | 2004-07-01 | 2006-01-05 | American Express Travel Related Services Company, Inc. | Method for biometric security using a smartcard-reader |
US20060016874A1 (en) | 2004-07-01 | 2006-01-26 | American Express Travel Related Services Company, Inc. | System for registering a biometric for use with a smartcard |
US20060016868A1 (en) | 2004-07-01 | 2006-01-26 | American Express Travel Related Services Company, Inc. | Method and system for hand geometry recognition biometrics on a smartcard |
US20060000898A1 (en) | 2004-07-01 | 2006-01-05 | American Express Travel Related Services Company, Inc. | Method and system for vascular pattern recognition biometrics on a smartcard |
ES2322462T3 (en) | 2004-10-11 | 2009-06-22 | Swisscom (Schweiz) Ag | COMMUNICATION CARD FOR MOBILE NETWORK PERIPHERALS AND AUTHENTICATION PROCEDURE FOR USERS OF MOBILE NETWORK PERIPHERALS. |
US7323992B2 (en) * | 2005-06-21 | 2008-01-29 | International Business Machines Corporation | Method and system for aggregation of RFID signal sources and composite to develop a unique signature |
US7864987B2 (en) | 2006-04-18 | 2011-01-04 | Infosys Technologies Ltd. | Methods and systems for secured access to devices and systems |
US20070252001A1 (en) | 2006-04-25 | 2007-11-01 | Kail Kevin J | Access control system with RFID and biometric facial recognition |
US7604166B2 (en) | 2006-06-12 | 2009-10-20 | Rania Abouyounes | Method and system for flexible purchases using only fingerprints at the time and location of purchase |
-
2004
- 2004-12-09 US US10/905,005 patent/US7705732B2/en not_active Expired - Fee Related
-
2005
- 2005-09-23 WO PCT/US2005/033986 patent/WO2006039180A2/en active Application Filing
- 2005-09-23 AU AU2005292417A patent/AU2005292417B2/en not_active Ceased
- 2005-09-23 CA CA002583402A patent/CA2583402A1/en not_active Abandoned
- 2005-09-23 EP EP05799613A patent/EP1815411A4/en not_active Withdrawn
- 2005-09-23 CA CA2836286A patent/CA2836286A1/en not_active Abandoned
Also Published As
Publication number | Publication date |
---|---|
WO2006039180A2 (en) | 2006-04-13 |
EP1815411A4 (en) | 2009-04-29 |
AU2005292417A1 (en) | 2006-04-13 |
WO2006039180A3 (en) | 2007-03-01 |
US20060012473A1 (en) | 2006-01-19 |
AU2005292417B2 (en) | 2011-03-31 |
EP1815411A2 (en) | 2007-08-08 |
US7705732B2 (en) | 2010-04-27 |
CA2583402A1 (en) | 2006-04-13 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
AU2005292417B2 (en) | System and method for authenticating a RF transaction using a Radio Frequency identification device including a transactions counter | |
US7312707B1 (en) | System and method for authenticating a RF transaction using a transaction account routing number | |
US8066181B2 (en) | RF transaction authentication using a random number | |
US7668750B2 (en) | Securing RF transactions using a transactions counter | |
US7925535B2 (en) | System and method for securing RF transactions using a radio frequency identification device including a random number generator | |
US8260722B2 (en) | System and method for generating an unpredictable number using a seeded algorithm | |
US7542942B2 (en) | System and method for securing sensitive information during completion of a transaction | |
US7543738B1 (en) | System and method for secure transactions manageable by a transaction account provider | |
US7805378B2 (en) | System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions | |
US7650314B1 (en) | System and method for securing a recurrent billing transaction | |
US9514454B2 (en) | Wireless transaction medium having combined magnetic stripe and radio frequency communications | |
US7996324B2 (en) | Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia | |
US20050160003A1 (en) | System and method for incenting rfid transaction device usage at a merchant location | |
US20070174208A1 (en) | System and Method for Global Automated Address Verification | |
US20090008441A1 (en) | Tracking rf transaction activity using a transaction device identifier | |
AU2011203221A1 (en) | System and method for authenticating a RF transaction using a radio frequency identification device including a transactions counter |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
EEER | Examination request |
Effective date: 20131211 |
|
FZDE | Discontinued |
Effective date: 20150921 |