Abstract: A system, apparatus and method for utilizing one-time, or temporary, “credit” card information for executing purchase transactions with a smart card or similar electronic data card device. The card is activated in an activation process with the issuer prior to receiving and utilizing temporary card information (numbers). Retrieval and submission of temporary card information is performed in an automatic process executed by application programming, such as within a web browser. By way of example, a user surfing the web commences a purchase transaction wherein their smart card communicates with the issuer of the smart card to retrieve one-time or temporary use card data which is submitted through the network for processing within the transaction. In one embodiment the programming is executed within a web browser which marks card data fields within transaction forms and automatically fills these fields with temporary card information received from the issuer.

Abstract: The present invention relates to a credit card comprising a card body, which comprises fingerprint reading means providing fingerprint signals representative of at least one fingerprint from a card user, when at least one finger of said user is pressed against said fingerprint reading means. Said card body further comprises data carrier means holding at least card owner fingerprint data and secured data, and fingerprint authentication means for activating said secured data. The card body further comprises an electrical power supply delivering electrical current to at least said fingerprint reading means. Accordingly, there is no need for an external electrical power supply, and thus the existing standard card reading systems, such as ID-card readers, money transfer machines such as ATM's and the like may be used in conjunction with said credit card. Thus, investments into new standard reader systems are not necessary in order to improve the security of the secured data carried by the credit card. A complete and self-contained automated authentication process is conducted prior to communication concerning said secured data being established between said credit card and any of the existing ATM's on the market today, irrespective of type (automated or manually operated), manufacturer, version, or geographical position of said ATM and of credit card use.

Abstract: A method and system of performing secure credit card purchases in the context of a remote commercial transaction, such as over the telephone, wherein only the customer, once generally deciding upon a product or service to be purchased, communicates with a custodial authorizing entity, such as a credit card company or issuing bank wherein such entity has previous knowledge of the credit card number as well as custodial control of other account parameters such as interest rate, payment history, available credit limit etc. The customer supplies the custodial authorizing entity with the account identification data such as the credit card number and a requested one of a possible plurality of predetermined payment categories which define the dollar amount for the purchase and specific, predetermined time parameters within which authorization by the custodial authorizing entity will remain in effect. The custodial authorizing entity then generates a transaction code which is communicated exclusively to the customer wherein the customer in turn communicates only the transaction code to the merchant instead of a credit card number. The transaction code is indicative of merchant identification, credit card account identification and a designated one of the plurality of predetermined payment categories.

Abstract: A short-range transaction system enables a user to conduct transactions with a self-service terminal in a user-friendly environment without using currency. The user carries a portable smart card, which interacts with a mobile phone. After authentication via an RFID connection, the device MAC address and a security key (K) are imprinted in the card. In operation, the user waves the smart card past the self-service terminal and activates an RFID connection. The terminal sends the card a random number. The card returns the MAC address and a result (RES) computed using the hash value and the security key. The terminal using the MAC address and security key establishes a secure connection with the device. The terminal downloads the user's transaction interface from the device and displays the user interface at the self-service terminal. The user completes a transaction at the terminal via the user interface.

Abstract: A system and method is disclosed for verifying a commercial transaction between a card-holder (102), a merchant (104), and a credit card company (106). The card-holder (102) makes a purchase with the merchant (104) using a full credit card number. The merchant (104) submits a transaction approval request for approval with the credit card company. The credit card company (106) executes conventional credit approval of the transaction approval request, as well as verifies the transaction approval request with the card-holder (102). An approval is sent to the merchant (104) only after the transaction approval request is both conventionally approved by the credit card company (106) and verified by the card-holder (102). The card-holder (102), or the credit card company (106), may initiate verification of the transaction approval request. The transaction approval request can also be automatically verified if one or many pre-verification criteria is/are satisfied by data contained in the transaction approval request. The pre-verification criteria can be initially determined and/or modified by the card-holder (102). As another security feature, the card-holder (102) may selectively activate and deactivate their credit card/account as desired. The credit card itself includes indicia of security measures.

Abstract: Systems, methods, and apparatus are provided for instant decisioning and remote dispensing of credit cards. In accordance with one implementation the system for instantly issuing a credit card includes means for receiving a credit card application from an applicant, means for instantly decisioning the credit card application, if declined, means for instantly notifying the applicant of that decision, and if approved, means for instantly issuing the credit card. The instant issuance credit card system can also receive a security deposit from the applicant where a determination is made that the applicant may need to remit a security deposit in order to secure the credit card. A decision to require security deposit may be based on the credit history of the applicant. A method for instantly issuing a credit card is also provided. Additionally, an apparatus for remotely dispensing a credit card is provided. The remote dispensing apparatus includes: an input device; a security deposit acceptor; a remote dispensing module, wherein the remote dispensing module communicates with a central real-time decisioning platform; a credit card dispenser; and a display.

Abstract: A system and method for enhancing functional interoperability of contactless payment devices that are used for conducting electronic payment transactions between consumers and merchants. The contactless payment devices include RFID-embedded cards issued to consumers end proximity coupling devices such as RFID-enabled readers deployed by merchants. Th5 system and method involve use of a reference card and a reference reader to establish acceptable specifications for issued cards and deployed readers, respectively. The reference card and reference reader are cross-calibrated to link the operational specifications for the cards and the readers. A suitable selection of overlapping specification ranges or tolerances for proper card and reader functions, the enhances the interoperability of the issued cards with a deployed reader, and also the interoperability of deployed readers with an issued card.

Abstract: A method and system for securing card payment transactions using a mobile communication device provides improved security in card payment transactions such as credit and debit card transactions. Upon receipt of a transaction at the card issuer or other service provider, a message is sent to a mobile communication device that has been uniquely associated with the card. The message may be an interactive message requiring response by the card owner for authorization, or may communicate a one-time-use personal identification number (PIN) with required PIN return via the point-of-sales system or the mobile communications device. In each transaction, the card issuer or service provider confirms that the communication was received and the transaction authorized by the card owner, further ensuring the authorized use of the card. The PIN and/or interactive message response period may be voided after a short time, further improving security of the transaction.

Abstract: An Internet based bill payment system and method is provided that allows a consumer to push payments and/or information to any payee from the consumer's credit card account. One embodiment of the invention allows the customer to make a payment to any payee from an enterprise credit card or any other credit account of the enterprise, referred to as “Bill Pay advance.” One embodiment of the invention is provided which allows an enterprise's consumer credit card customers to sign up for and use the enterprise's bill pay advance system, whether or not the consumer has a demand deposit account (DDA) account. The invention allows the customer to designate either source of funds for payment and for any payee they choose to pay. One embodiment of the invention offers an interchange push methodology with customer choice of the payment source of funds and intelligent routing.

Abstract: An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures or tracks. The proximity payment card transaction data such a dynamic authentication codes are placed in unused space in the same standard formatted data structures. The availability of unused space varies with card issuer or vendor. An issuer-specific bitmap provides an index to the available space in discretionary data fields in magnetic stripe tracks. The bitmap also is stored in the card's discretionary data field.

Abstract: A trigger card and system for preventing credit and debit card fraud is disclosed. The trigger card is adapted to be indistinguishable from typical credit cards and other cards issued by financial institutions. The system is adapted to receive signals when a standard card reader reads the trigger card. The system is further adapted to initiate an automated procedure to reduce fraud upon receipt of the signal indicating that the trigger card has been read by the card reader.

Abstract: A retail package for prepaid cards is disclosed which includes a card retainer, a proxy debit card retained by the retainer and adapted to be loaded with funds at a point of sale, and at least one electronic debit card retained by the retainer and requiring registration prior to use, wherein the proxy debit card and the at least one electronic debit card are linked to one another within a processing system to facilitate fund transfers therebetween after registration of the at least one debit card. Methods of distributing prepaid cards are also disclosed.

Abstract: The biometric anti-fraud plastic card is a highly secure biometric “Smart” card that can be used for credit card purchases. Biometric technology is used to authenticate the cardholder's identity prior to use. Only for a limited amount of time after the cardholder has been authenticated does the card become active/valid and the LCD displays it's preprogrammed message. When used as a credit card the authorized user's names, account number and expiration date will be displayed on the embedded LCD. This card can be used as a direct replacement for any bare plastic smart card technology. The stored data is destroyed if the card detects any type of tampering. The “Biometric anti-fraud plastic card” makes it very difficult for unauthorized persons to make fraudulent credit card purchases.

Abstract: In this method a credit card entitled for rebates initiates a payment transaction with a merchant granting rebates, resulting in a rebate amount being calculated from the purchase sum of the payment transaction and a set rebate rate and the rebate amount being forwarded to a storage area assigned to the rebate entitled card holder and added to the value contained in the storage area. In this way, consumers can purchase by credit card and automatically receive to their credit a rebate from instituted merchants. From the storage area, representing a (virtual) banking account accumulating rebate amounts can then be regularly remitted to an insurance company or a finance investment institute for building up a retirement pension. Contained in a consumer pension organizational entity are, more particularly, a communications server ( 5 ) for receiving the transaction information from the card issuer and a data base server ( 2 ) for storing and managing the consumer and merchant related information and for calculating the rebate amount.

Abstract: A universal credit card with a cellular telephone that has inside of an outer housing and adjacent to a side thereof a magnetic reader/writer capable of reading data from a magnetic strip of a credit card. Along a side of the outer housing adjacent the magnetic reader/writer is a wide and deep enough slit to swipe the credit card. When a template credit card is swiped through the slit, a magnetic strip of the template credit card reads or writes data from at least one credit card that the user selected on the telephone's keypad from a plurality of credit cards whose data had been entered into memory. A controller and software operate the magnetic reader/writer the user's keypad selection. Alternatively, there is a slot in the outer housing rather than a slit, and insertion and/or removal of a credit card in the slot constitutes swiping the credit card.

Abstract: An integrated rewards card includes a credit card number associated with a credit account of a person, persons, entity or a business. The integrated rewards card also includes a debit card number. The debit card number is different then the credit card number. Purchases using the credit card number cause a reward balance on a reward account associated with the debit card number to be increased. Products or services can be purchased with the reward account using a point of sale device for the credit card number.

Abstract: The invention creates a data carrier, in particular chip card, in particular smart card, having a device for generating one-time passwords and having a display for displaying generated one-time passwords. Preferably the data carrier is a Eurocheque card or credit card with the integrated function of an electronic purse (cash card function) and the generated one-time password is a transaction number (TAN) for acknowledging a secure electronic payment transaction.

Abstract: Methods and systems are provided for processing Card transactions. The Cards and Card Programs are configured on a Host System by a Client and transactions are received at a Host System. Issuers of Cards and their Program Groups are configured on the Host System. Acquirers of Card transactions and their Program Groups are configured on the Host System. An Issuer and Acquirer associated with singular Card transactions may or may not belong to the same Client. The Card transactions carry associated data relevant to the Card Type and transaction type captured and identified by the Host System for proper Transaction Set build and ultimate Card transaction processing based on the relevant Issuer and Acquirer set choices. A Web Interface is provided for Clients, their designees, and Cardholders.

Abstract: A purchase card system configured in accordance with the invention offers purchase card products that facilitate online purchases of life sciences research products and/or services via an e-commerce application. The acquisition and use of such purchase card products complies with mandated procurement, spending, and appropriations rules, regulations, and laws, such as the Federal Acquisition Regulation, the Anti-Deficiency Act, and the Department of Defense “bona fide needs” rule.

Abstract: The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members that made purchases at a merchant and then it identifies all other merchants in the same category where those card members also made purchases. The associated merchants are ranked based on largest number of shared card members and the top results may be shared with card members or merchants in order to enhance promotions, card use and marketing.

Abstract: The system allow users of cell phones (104) the use of their cell phone account (114) via a cash card (108), purchase card (110) or credit card (112) to effect transactions at existing terminals that are connected to card handling companies. Each respective card (108, 110, 112) refers to the SIM-card in the cell phone (104). This SIM-card is the base for a specific account (114) with the cell phone system operator (102), which in turn is connected on-line with card handling companies having terminals distributed for card transactions.

Abstract: A package for preventing forgery and theft of transaction card information. Transaction card information is concealed inside package so as to deter theft and forgery. Retailers can identify security breaches of prepaid transaction cards by observing the condition of the packaging prior to card activation. Consequently, forgery and tempering are deterred as retailers will not activate cards contained in packages that have either been tampered with or damaged.

Abstract: An agent device is connected to a user device for browsing a merchant site, for selling products online and being served up on the Internet, the merchant site, and a server device of a credit-card company. In the case where an instruction of purchasing a product browsed by the user device is output, the instruction is sent to the agent device. The agent device extracts a credit card number of a credit card held by a user having purchased the product, and inquires of the server device of the credit card company whether the product is to be purchased with the credit card. As an inquiry result, in the case where the product can be purchased online with the credit card, the agent device sends an instruction that the user purchases the product online with the credit card.

Abstract: In a relationship in which a universal prepaid telecommunication services card issuer is different than a telecommunication services provider, a method and system for implementing a universal prepaid telecommunication services card (prepaid card), which can be used as a prepaid card for a plurality of services providers providing one or more telecommunication services. The method comprises a card issuer providing a prepaid card having a identification number associated with the prepaid card. Upon receiving a prepaid card activation request from a card seller or distributor, the card issuer activates the prepaid card. After the card is activated, the card issuer can receive a request to use the card from a user. The card issuer then receives from the user the identification number associated with the prepaid card and validates the identification number. Upon validation of the identification number, the card issuer receives from the user a service request for a particular service provider. The card issuer then communicates the service request to the particular service provider.

Abstract: A dual-interface (contact and contactless) “smart card” which supports (transportation-related) functions. The smart card acts as a user ID which tracks stored value, transit or taxicab fare, parking, car sharing or rental car membership/loyalty. The smart card tracks these functions for users as a means of saving money. The smart card can also be used to control access to a vehicle with multiple authorized users (either rental or fractional lease), manage automobile insurance information and driver-specific settings. These functions reduce an organizational need and help keeps users transportation records up to date.

Abstract: This invention relates to the methods of coordinating and tracking product and service demonstrations. An event coordinator directs event operators to conduct a product or service demonstration event. The event coordinator provides event operators with cards, such as debit cards, credit cards, or smart cards, to purchase items needed for the demonstration. The event operator contacts a card administration system to activate the card. The card administration system verifies that the provided card ID and event ID are valid, and associates an authorized budget of the demonstration event with the card. The event operator then purchases items with the card, and conducts demonstrations. Event data is provided to the parties involved in the demonstration such as a product manufacturer or service provider, the event coordinator, a staffing agency, the event operator, and a retail store. The event data includes, for example, items purchased for demonstration using the card, items purchased by customers during the demonstrations, and time information.

Abstract: Temporary credit card information is automatically obtained and input to online credit card purchases allowing users to protect their actual credit card information from interception while shopping online.

Abstract: When power is turned on, control unit requests a user to enter a security code on the basis of information of SIM card inserted into a card I/F If the security code entered by the user is an authorized code, the control unit permits the user to use the apparatus such that the apparatus can be utilized In addition, the control unit urges a display unit to display a security code entered through operation unit, as hidden letters, and to display a control command such that the control command can be visually recognized