Abstract: A secure credit card having daily changing security number is disclosed. The upper half portion of the secure credit card has a magnet strip and its thickness is same as a normal credit card, so it can be read by a credit-card reader. The bottom half portion of the secure credit card contains a processor, key or keypad, battery, display window and a program download port. The processor is loaded with a predetermined program so that the processor can generate date and a daily renewed security number that can be shown on the display window. The security number is the function of the date and their relationship is defined by the predetermined program. Giving a date, a corresponding security number can be generated by this predetermined program. The computer of the credit card company keeps this predetermined program and can compute the security number of the date by this predetermined program. The security number of the date computed by the credit card company is identical to the security number of the date shown on the display window of the secure credit card. So that the valid of the credit card and its transaction can be verified by the credit card company based on the cardholder's name, card number and the security number of the date. With this secure credit card, the credit card payment becomes very secure even through internet.

Abstract: A computer-implemented method of using one of a plurality of existing credit card accounts belonging to a consumer includes providing account data to a single service provider for a plurality of existing credit card accounts belonging to the consumer and providing the consumer with a compilation credit card associated with the plurality of existing credit card accounts of the consumer. the method also includes storing predefined preferences of the consumer regarding credit card selectivity, the consumer performing a credit card transaction and selecting one existing credit card account among the plurality of existing credit card accounts to which to charge the credit card transaction based on the stored predefined preferences of the consumer.

Abstract: A transaction authentication card uses a biometric input and a wireless output. The biometric input may be a sensor pad on the transaction authentication card that measures blood flow patterns, temperature, and/or fingerprint patterns to identify a user to permit access. The transaction authentication card is preferably substantially rigid, but may be formed to have some flexibility. Power to the transaction authentication card may be accomplished through an internal battery that is optionally rechargeable. Biometric data is stored on the card only and used for user verification. Biometric data will not be transferred from the card. If authorized biometric data is authenticated the card will transmit a wireless access code to a proximity reader or transaction equipment.

Abstract: A procedure and method which use a debit, stored value, or prepaid stored value card, or a similar card or account that has a value but does not extend credit to the card holder, to provide a designated funding amount to a selected non-profit or charitable organization or entity identified by the card where the funding amount is transferred with each transaction, such as a purchase, deposit (load) or cash withdrawal, using that card.

Abstract: A credit card management system and method wherein a customer with an account is provided a primary credit card with a credit card number and a security code thereon. A secondary presentation instrument associated with the primary credit card is issued for use in conducting on-line transactions. A database stores account information, including the security code associated with the primary account and a secondary account number associated the secondary presentation instrument. When an on-line transaction is conducted, the customer enters both the secondary account number and the security code from the credit card. The secondary presentation instrument is a paper card, a key fob, a printed record or any other virtual credit card.

Abstract: A platform and program for enhancing the value and desirability of a credit card (or other payment product) to a card holder and encouraging increased use of the card as a payment device (10) by rewarding the card holder based not only on qualifying purchases but on miles traveled in connection with travel ticket or travel pass purchases. The inventive program leverages qualifying transaction information and other data (e.g., Level 3 Data) which automatically flow with such transaction information. The rewards redeemed by the card holder according to the inventive platform and program are not tied to a particular provider of goods or services, and reward fulfillment is managed through the card issuer or its fulfillment agent.

Abstract: A system and method for providing a multiple-service card is disclosed. A card member 108 is provided with a single card that serves as both an open transaction instrument and a private retailer transaction instrument. This multiple-service card may have the traditional credit card data on one side of the card, including, for example, the account number, name of the account holder, and the expiration date. The other side of the card may include a magnetic stripe that contains the account information in machine readable form as well as private retailer transaction instrument information. In the system, the primary party and the service partner participants cooperate to complete the processes associated with the provision of the combined card services, including a new account process, card replacement and renewal processes, a service partner cancellation process, and a process for cancellation and/or transfer by a primary party.

Abstract: A Method and system are disclosed for accessing personal Web site or executing electronic commerce with security in a smart Java card. A personal Web site which includes personal or private information is stored in a personal smart Java card. Before a user can access the Web site stored in the smart Java card, the user is validated by any one of or in combination of PIN, facial images, hand images, eye image, voice characteristics, and finger prints. In addition, an encryption engine embedded in the smart Java card decodes and compares the entered PIN combined with a secure key or security certificate to verify the identity of the user. Before the bank account can be accessed freely by the user, the bank's computer system checks the combined secure data to ensure the authenticity of the card and the user's identity with multiple check points using Internet security protocols via Web browsers.

Abstract: Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the merchant accepts, and merchant-specific transaction processing parameters are associated with each card type. During transaction processing, a card type for the transaction is identified from transaction data submitted by the merchant, and the merchant-specific transaction processing parameters associated with the identified card type are used to control transaction processing.

Abstract: A discard rack moves and reads suit and rank of individual cards. The cards are provided to a card in-feed area and moved to a card collection area. Both suit and rank of each card is read in the card in-feed area or between the card in-feed area and the card collection area. The discard rack comprises a) a card infeed area with card moving elements that move only a bottom card from a set of cards in the card in-feed area, b) a card collection area that receives cards from the card moving area in the same sense as cards are received in the card in-feed area, c) an image capture device that captures data from a card while the card is between the card in-feed area and the card collection area, d) preferably a communication port to send out captured data to a processor, and e) an elevator that lowers to maintain a level at which cards are received in the card collection area.

Abstract: A payment card transaction notification and authorization system provides a notification message to a payment card holder of an attempted transaction using his/her payment card. The system provides multiples options for the payment card holder to decline authorization of the attempted transaction. The multiple options comprise a first option for the payment card holder to decline authorization of an undesirable but non-fraudulent transaction, and a second option for the payment card holder to decline authorization of a fraudulent transaction.

Abstract: The present invention provides a communication system that enables safe and easy addition of a function for use of credit card settlement services to a portable information terminal. In this system, if a user brings his credit card close to the portable information terminal, the portable information terminal reads a card ID stored in a contactless IC card provided in the credit card. Then, the card ID is transmitted to a card management system which checks whether or not the card ID is valid. If confirming that the card ID is valid, the card management system instructs the portable information terminal to write the card ID thereto. If the user places an order of a merchandize, the card ID written to the portable information terminal is provided therefrom to use credit card settlement services.

Abstract: A system and method for conducting safe transactions for online purchases. A user requests a temporary number with which to complete an online transaction, such as a temporary credit card number. The temporary number issuer, such as a credit card company, associates the temporary number with the user. The user enters the temporary number at an online store, and the online store charges the credit card company for the purchase, and the credit card company then charges the user for the purchase.

Abstract: The present invention provides for exchanging a gift card. Data associated with a first gift card is provided. The data associated with the first gift card is validated. Either a money rebate associated with the first gift card, or a second gift card is selected. The first gift card is exchanged for either a money rebate or the second gift card. An exchange fee is generated by both the vendor associated with the gift card and the company performing the exchange.

Abstract: A self-service gift card terminal for the purchase or activation of a gift card, the gift card terminal including a housing having a computer processor disposed in the housing. A user interface coupled to the computer processor provides for self-service interaction between a customer and the gift card terminal. A modem coupled to the computer processor and connectable to a network transmits data to and from the gift card terminal. The gift card terminal also includes means for accepting payment for a gift card purchase. The computer processor is configured to activate a gift card in accordance with a customer request for and purchase of a gift card. A receipt for the transaction is then printed. The self-service gift card terminal provides a convenient terminal from which a customer can purchase and activate a gift card from a plurality of retailers or service providers.

Abstract: A credit transaction system and a method thereof using fingerprint information strengthen an authentication function of a card user's identity. The system includes a terminal (11) for credit transactions which has a function of authenticating the identity of the card user using the fingerprint and transmits transaction particulars and card information of the card user; a transaction approval determining unit (17) for receiving the transaction particulars and the card information from the terminal (11), confirming a credit status of the card user, and informing an approval/rejection of the transactions to the terminal; and a management server (15), connected to the terminal (11), for mutually communicating the fingerprint information and the card information with the terminal (11).

Abstract: To encourage widespread implementation of an electronic commerce card authentication system by the numerous different card issuers and merchants, the card association assigns liability for fraudulent transaction based upon a party's compliance with the authentication system. To enable this feature, an embodiment of the card processing system includes the ability to track and record attempts by merchants to initiate authentications, even in circumstances where the card issuer does not support authentication or can not authenticate the card information its receives. A directory server determines whether a card account is capable of being authenticated. If the card issuer cannot authenticate the card account, the directory server instructs the merchant system to attempt authentication with an alternate access control server. The alternate access control server is adapted to communicate an authentication response message with the merchant system indicating that the merchant system attempted an authentication.

Abstract: The present invention generally relates to a wireless banking system and a wireless banking method using a mobile phone The mobile phone includes a smart card inputting smart card information consisting of bank account information, log information, and an authentication key A card applet is provided which operates the smart card information The banking service uses a common full text and individual full texts used for banking transactions, prepared through the smart card information and an input of the mobile phone An encoding/decoding module is provided for encoding the banking service full text and decoding the response to the banking service full text by using a session key; and a card manager communicating the application with the smart card

Abstract: A system and method for displaying a presentation instrument such as a gift card, and for establishing and maintaining an account associated with the gift card. The gift card is packaged with a card carrier for display at a retail establishment, with both the card and the card carrier each having an account identifying element, such as a magnetic stripe or bar code. The identifying element on the card may be electronically read in order to conduct transactions against the account. The identifying element on the card carrier may be electronically read to activate the account, but not conduct transactions, thereby reducing the opportunity for fraudulent transactions against the account.

Abstract: A system and method for activating and funding prepaid cards at the point of sale by making innovative use of existing point-of-sale devices and existing credit/debit card acceptance networks and processes. The invention obviates the need to implement new/different technology at point-of-sale terminals that are widely used at retail outlets. This invention makes use of the existing credit and charge card systems and processes, including industry standard message formats, to settle funds and fees between the seller and the issuer of the prepaid card, thus further reducing the expense and time-to-market for product distribution.

Abstract: Methods and systems are provided for coordinating a change in status of a stored-value card for a customer. Transaction information is received at a host system from a point-of-sale terminal. The transaction information includes stored-value-card information identifying the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card. The host system receives a payment authorization from a payment authority in response to a transmission of the payment-instrument information to the payment authority. The host system also receives a confirmation of the change in status of the stored-value card from a stored-value-card authority in response to a transmission of the stored-value-card information to the stored-value-card authority. The host system transmits an approval for effecting the change in status of the stored-value card to the point-of-sale terminal.

Abstract: A lightweight remote payment terminal is disclosed with the capability of capturing a tip amount and a signature authorizing a credit card transaction. The remote payment terminal allows diners to complete restaurant credit card transactions with minimal involvement from restaurant staff. A remote payment system is also disclosed that incorporates multiple remote payment terminals and one or more transaction servers. The transaction servers configure individual remote payment terminals with billing information, and the remote payment terminals capture information about credit cards that may be used for payment. A method of paying for credit card transactions is disclosed in which the non-tip portion of a bill is communicated to a remote terminal from a transaction server and the remote terminal is used to capture a tip amount and an authorizing signature. The transaction server obtains authorization to charge a credit card supplied by a user of the remote payment terminal either after or while the remote payment terminal captures information relating to the credit card transaction, including the user's signature.

Abstract: The present invention relates generally to systems and methods that facilitate the prevention of fraud occurring in connection with credit cards, debit cards, smart cards and other payment cards that are used in transactions involving goods sold by a seller, delivered by a shipper, and purchased by a buyer. Specifically, the present invention provides systems and methods that allow for physical verification of a payment card (e.g., credit card) upon delivery of goods that are purchased in the context of a remote transaction between a buyer and a seller, including, for example, goods that are ordered via phone, mail order, fax or the Internet.

Abstract: Traditional credit card payment is not secure as semi-secret credit card numbers are repetitively used. One-time transaction numbers have been recently proposed to enhance the security in credit card payment. Following this idea, we use a hash function in generation of one-time credit card numbers: the next one-time number is computed by hashing the current one-time number with a secret that is known only by card holder and issuer. Compared with related work, our scheme places less burden on credit card issuers, and can be easily deployed in both on-line and offline payment scenarios.

Abstract: A method for processing prepaid card transactions including issuing a multiplicity of prepaid cards, each bearing prepaid card identification indicia, inputting the prepaid card identification indicia of a prepaid card into a point of sale terminal, communicating the prepaid card identification indicia from the point of sale terminal to a remote server to validate the prepaid card and upon receipt of acceptable validation from the remote server, processing a prepaid card transaction using the prepaid card as a credit card transaction.

Abstract: A system providing a payment transaction using a single selection from a plurality of credit/debit card accounts without requiring the use of any corresponding credit/debit card. The system uses a unique customer identity number associated with a plurality of credit/debit card accounts. The system also provides the retrieval of transaction history as well as the retrieval of promotional information and product information.

Abstract: A secure card package which includes an inactive transaction card that includes an edge. The secure card package also includes a security piece that includes an edge. The security piece and the inactive transaction card are connected in an edge-to-edge manner to prevent the transaction card from being activated. The security piece is selectively detachable from the transaction card so that, when detached, the transaction card can be activated. The invention also includes a process for activating an inactive transaction card which includes the steps of receiving the inactive transaction card and a security piece and detaching the security piece from the inactive transaction card so that the inactive transaction card can be activated.

Abstract: An electronic money system and an electronic money terminal used therein which facilitate and promote the transaction by card representing cash. A user carries out a transaction by using an information card storing data representing monetary value, and in a case where the balance on the card is insufficient, the balance due is charged to a designated account or paid by loan. The user of the information card is able to carry out a transaction solely by information card even when the balance stored in the information card is insufficient.

Abstract: A credit card loyalty program, based upon a state lottery. The end user receives a credit card with a lottery reward feature. As purchases are made, the customer accumulates credits which can be used to purchase lottery tickets via toll free number, mail or online website.