Abstract: A payment card financial transaction authenticates for providing overall financial network security computes a number of results from a cryptographic key that match values that were selectively used to personalize individual payment cards with their individual user identification and account access codes. An account access code is later presented daring a financial transaction involving at least one of those individual payment cards. A dynamic portion is included in a merchant's magnetic reading of the payment card. Then authenication can proceed by matching it with values computed from the cryptographic key.

Abstract: Methods and apparatus, including computer program products, for payment card terminals for mobile phones. In general, data characterizing a payment card and a settlement amount for a transaction may be received, where the data is user-generated input and is received at a mobile phone associated with a mobile phone number. Wireless transmission of data characterizing a request to provide a payment card settlement service of a merchant account of a merchant account provider for the transaction may be initiated, where the wireless transmission is to be from the mobile phone over a carrier data network to an application server. Data characterizing authorization of settlement of the transaction with the payment card may be wirelessly received by the mobile phone from the application server.

Abstract: The present invention provides a system and method for authenticating a customer's identity and completing a credit card transaction between the customer (102) and a merchant (104) by authorizing a customer's transaction request without the use of the customer's credit card number or personal information The method utilizes a customer's existing online account with a credit card issuer (106), which also eliminates the need for the customer (102) to create and maintain a separate account with a third part service Furthermore, the method can be easily implemented into the existing credit card authentication protocols, so that a merchant can implement the payment method quickly, easily, and at minimal cost.

Abstract: Method and apparatus for using at least a portion of a one-time password as a dynamic card verification value (CVV) are disclosed. A credit/debit card is able to generate a dynamic card verification value (CVV). Such a card may also include an indication that the dynamic CVV is to be used as a security code for purchasing or other transactions. A card-based financial transaction can be authorized in accordance with the use of a dynamic CVV by receiving a transaction authorization request for a specific credit/debit card, wherein the transaction authorization request includes a dynamic CVV. The dynamic CVV can be compared to at least a portion of a one-time password generated for the specific credit/debit card, and a transaction authorization can be sent to the merchant or vendor when the dynamic CVV matches all or a portion of the one-time password.

Abstract: A payment card comprises an internal dynamic PIN code generator and a user display for card-not-present transactions. Card-present transactions with merchant card readers are enabled by a dynamic magnetic array internally associated with the card's magnetic stripe. The user display and a timer are triggered by the user or automatically when the user needs to see the PIN code and/or begin a new transaction. A new PIN code is provided for each new transaction according to a cryptographic process, but the timer limits how soon a next new PIN code can be generated and displayed.

Abstract: A merchant is provided the ability to receive and process wireless financial transactions through interaction with a mobile device. The merchant can be authenticated with an account-based service through various techniques including biometric techniques. The merchant can receive a customer's payment information for a sales transaction and input such payment information into the mobile device through various interfaces, such as a keypad, voice recognition, pattern recognition. The mobile device can also include a card reader that can automate entry of the payment information from a credit card, debit card or other identification card.

Abstract: An electronic wallet which is biometrically secured stores credit card and other information. A biometric sensor prevents the electronic wallet from being used by the user who does not have permission to use the wallet. A rewriteable card is inserted into a slot of the wallet in order to have credit card information placed on the card. After the card is used the information is erased from the card when it is placed back in the slot in the electronic wallet.

Abstract: A system and method for enabling a debtor to charge a payment to a credit card when a creditor does not accept credit card payments is provided. The system comprises a customer interface, an approval engine, a scheduling engine, a service fee engine and schedule, a currency engine and schedule, a payment engine, and a reporting engine. The method comprises the steps of receiving customer data, approving the transaction, processing the credit card charge, and paying the creditor.

Abstract: A credit card transaction authorization method includes receiving information concerning a prospective remote credit card transaction with a credit card, obtaining location information from a wireless network provider for a wireless terminal that is associated with a cardholder of the credit card for the prospective credit card transaction, and correlating a location of the wireless terminal with a registered purchasing location associated with the user. Authorization information for the prospective credit card transaction may be generated in response to a result of the correlation of the location of the wireless terminal and the registered purchasing location. Credit card transaction servers and computer program products are also provided.

Abstract: A bank or credit card issuing authority provided consolidated membership/rewards card has standard credit card features including cardholder's name, card number, expiration date, secret code and a permanently coded permanent magnetic strip. The card has a programmable second magnetic strip with inductors directly below the strip energized by a CPU in the card recording a merchant provided loyalty or discount number. The cardholder selects a merchant from a list displayed card screen by pressing up and down buttons and a ‘go’ button to program the second magnetic strip. A USB connector associated with the card is used for uploading merchant data from a personal computer and transmitting the card discount number to a USB enabled cash register. The cash register provides eligible discounts for purchases upon receipt of the card discount number by swiping the second magnetic strip or by establishing USB connectivity. Payment is made using the permanent magnetic strip of the card or by other payment means. Discounts and membership rewards are thereby provided to a cardholder without need for carrying a plurality of merchant issued membership/rewards cards. Credit card functionality facilitates immediate payment for the purchases made.

Abstract: Methods and systems for using a Radio Frequency Identification (RFID) payment card are disclosed herein. The method generally comprises receiving an indicia identifying an RFID card, receiving a request to activate the RFID card, activating the RFID card by associating an initial value with a database record associated with the RFID card; receiving a PIN associated with the RFID card; receiving profile information; and associating the profile information with the database record. Systems for using RFID cards generally comprise an RFID card, an RFID account associated with the RFID card, a merchant communication module that receives indicia identifying the RFID card and sends a request to activate the RFID card, and a central processor or intermediary that receives a PIN associated with the RFID card and a request to activate the RFID card from the merchant communication module.

Abstract: A protocol appropriate for smartcard purchase applications such as those that might be completed between a terminal or ATM and a users personal card is disclosed The protocol provides a signature scheme which allows the card to authenticate the terminal without unnecessary signature verification which is an computationally intense operation for the smart card. The only signature verification required is that of the terminal identification (as signed by the certifying authority, or CA, which is essential to any such protocol). In the preferred embodiment, the protocol provides the card and terminal from fraudulent attacks from impostor devices, either a card or terminal.

Abstract: A method for validating a payment card financial transaction includes receiving a financial transaction approval request message derived from a payment card that is able to change its magnetic card data as elicited by a card reader. Out-of-sequence transactions encoded in a dynamic number included in said magnetic card data are detected. The dynamic number is compared with a last valid number that was previously stored in a database. An approval message is issued to enable the completion of a financial transaction with the payment card.

Abstract: Disclosed herein is a method of providing one or more transaction card services to a holder of a transaction card, the method comprising receiving a registration code from the holder, wherein the registration code is associated with the issuer of the transaction card and with the transaction card, determining the issuer of the transaction card based on at least a portion of the registration code, transmitting the registration code to the issuer of the transaction card, receiving account information from the issuer, wherein the account information is associated with the registration code and with the transaction card, displaying at least a portion of the account information to the holder, receiving a verification value corresponding to the account information from the holder, and if the verification value is valid, permitting the holder to select one or more services in which to enroll.

Abstract: An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

Abstract: Methods and systems for secure electronic commerce (eCommerce) transactions having one or more trusted payment hosts where consumers/buyers can register credit card information and/or any payment card information and the corresponding secret keys for the credit card or payment card with the one or more payment hosts are provided. Embodiments of the invention include a method of engaging a purchase order in an online electronic transaction on the spot, where a seller posts and advertises at least one online electronic link embedded in a web-page or in an e-mail provided by a server.

Abstract: A computer-implemented method for processing a stored-value card transaction request in a card data management system is presented. The management system has a central processor in communication with one or more point-of-sale terminals over a communications network. Each terminal has a unique terminal identifier and is associated with a location and a prepaid card merchant. The central processor is in communication with a database having stored therein a plurality of card records. Each of these card records contains data associated with a stored- value card distributed to a prepaid card merchant for further distribution to purchasers at a location controlled by the prepaid card merchant. The transaction request comprises a requesting terminal identifier, a card identifier assigned to a stored value card, and information indicative of a requested transaction type. The method further comprises determining if the requesting terminal is authorized to request the requested transaction type for the stored value card.

Abstract: Embodiments of the present disclosure provide a plug-in feature for a browser that allows for secure financial transactions on a communication network. The plug-in feature generates secure card numbers (e.g., single and multi-use credit card numbers) to pay for purchases. The plug-in feature auto-fills billing and shipping information. The plug-in feature allows a user to store receipts in an efficient and convenient manner to track online shopping activities. The plug-in feature may be implemented in a toolbar of a browser.

Abstract: A conventional looking payment card comprises a plastic card with a legacy card reader compatible magnetic stripe for dynamic user account data. Internal to the plastic card, and behind the magnetic stripe, a number of fixed-position magnetic write heads allow the user account data to be modified autonomously. Electronics within the card are pre-loaded with many unique numbers that are selected for one-time use in financial transactions. A payment processing center keeps track of the unique numbers used, and knows which numbers to expect in future transactions. It will not authorize transaction requests if the unique number read during a magnetic card swipe is not as expected. A card-swipe detector embedded in the plastic card detects each use in a scanner, so changes can be made to the data bits sent to the write heads.

Abstract: A method and system for awarding rebates based on credit card usage to a consumer credit card holder is provided. A rebate tally is accrued based on a percentage of eligible purchases made by the consumer card holder. The rebate is earned when the consumer card holder makes a qualifying purchase, which may be, for example, an automobile sold by any manufacturer. The rebate program disclosed does not associate the rebate earned with any particular manufacturer. The rebate is paid directly by the credit card issuer to the credit card holder.

Abstract: An approach is provided for enabling a client user to access secure information or services via a security code including a password and/or username even when the security code provided by the client user includes one or more errors. As one example, a level of error allowance may be selected by a system administrator based on a prescribed minimum level of security and the security code selected by the client user. The application of error allowance can reduce the number of times a client user is denied access to requested information or services due to incorrect or mistyped security code input while also ensuring the prescribed minimum level of security is retained.

Abstract: Credit card transaction servers, systems, methods and computer program products receive information concerning a prospective credit card transaction with one of multiple credit card issuers and obtain location information from multiple wireless network providers for wireless terminal(s) that are associated with a user of the credit card for the prospective credit card transaction. The locations of the credit card transaction terminal(s) and the locations of the wireless terminal(s) are correlated, and authorization information for the prospective credit card transaction is generated based upon this location correlation.

Abstract: A method and apparatus for performing secure online transactions provides a user interface that is intuitive and easily to understand. The invention integrates an online wallet service with credit card issuers that provide online credit card authentication services. The method provides a keypad interface for PIN entry, or an interface that resembles an offline transaction receipt. The apparatus that stores personal information and credit card information uses a level-two authentication password to protect the user's credit card information. The invention integrates with the credit card issuer when a personal identification number is required for the user to perform online transactions by the credit card issuer. The embodiments include integrations when the level-two authentication password is equivalent to the personal identification number and that when they or not equivalent.

Abstract: A system and method for combined reconciliation of co-branded card promotion and settlement of private label card accounts are disclosed. According to one embodiment, the method may include (1) establishing a first relationship with a merchant for promotion of a credit card, the first relationship including at least one merchant compensation term; (2) establishing a second relationship with the merchant for the administration of the merchant's private label credit card transactions, the second relationship including at least one issuer compensation term; (3) receiving a first financial information related to the first relationship; (4) receiving a second financial information related to the second relationship; and (5) determining an account balance for the merchant based on at least one of the first information, the second information, the at least one merchant compensation term, and the at least one issuer compensation term. According to another embodiment, the system may include a server in communication with an issuer, a merchant and a bank card network. The server may receive a first financial information related the merchant's promotion of a credit card and a second financial information related to the merchant's private label credit card transactions. The system may further include a database that stores merchant compensation terms and issuer compensation terms. The system may also include a processor that determines an account balance for the merchant based on the first information, the second information, the at least one merchant compensation term, and/or the at least one issuer compensation term.

Abstract: A kiosk machine (100) vends stored value cards. The kiosk is self-service and will allow a user to select, purchase and pay for a stored value card without requiring the presence or assistance of a sales clerk. The kiosk can vend one or more cards in a single transaction. The kiosk is a computer-based vending machine having a touch-sensitive video screen (104) and a card reader (108). The touch screen provides a user interface for a user to receive information and provide input selections. The card reader can be used to read a transaction card to facilitate payment for the stored value cards being purchased. The vending method has a kiosk having a user interface, receiving, via the interface, a request to purchase a stored value card, receiving payment for the purchase, determining a card number associated with a selected card, activating the selected card to produce an activated stored value card in the card denomination, and dispensing the activated stored value card. A user purchasing a stored value card can select a type of stored value card, wherein the type is selected from the group consisting of an open card and a closed card. The closed card can be of the type usable only in a shopping center where the kiosk is physically located. The user can further select a card denomination. The method further allows a user to check a card balance for a stored value card.

Abstract: A system and method for biometric-secure point-of-sale or online transactions and/or authentication and ID verification for restricted access that simplifies the checkout process and eliminates fraudulent transactions. The system employs a credit-card-sized device with integral fingerprint reader, on-board memory with pre-designated card number, infrared coder, power strip, plus at least one magnetic strip (encoded with designated financial account to be used for transactions, including routing number), one magnetic strip for personal medical and identification information and a bar code and photo ID for security. The card scanner is activated by an activation scan in which a subset of “minutia” are stored locally. To consummate a transaction (after registration), the user simply plugs their card scanner into a multi-function reader, and scans their own fingerprint. Upon authentication the card transmits the card/user ID to the reader as authentication of the transaction, the reader reads the encoded account numbers and routing information, offers a choice of account to charge to, verifies the total charge and completes the transaction. The process is fully secure.

Abstract: Disclosed is a method and system for making payment with discounted prices by using temporary card numbers. The method comprises the steps of: (a) at least one discount means being selected by a user of a mobile terminal, and the mobile terminal transmitting temporary card number issue information including the selected discount means to a temporary card number issue device, wherein the mobile terminal in advance stores a plurality of discount means that can substantially discount a transacted price; (b) the temporary card number issue device selecting and storing temporary card numbers corresponding to the temporary card number issue information and transmitting the selected temporary card numbers to the mobile terminal; (c) the mobile terminal transmitting payment information including the temporary card numbers and payment means information including information on a payment means for paying the transacted price to a credit authorization terminal (CAT) if a payment request is received from the user only for a predetermined time period from when the temporary card numbers are received, and extinguishing the temporary card numbers after the predetermined time period from when the temporary card numbers are received; and (d) the CAT receiving the payment information from the mobile terminal, transmitting a request for a transaction authorization to the payment company server by using the payment information, and receiving the transaction authorization from the payment company server. Thus, according to the present invention, it is more easy and convenient to making payment by using coupons.

Abstract: Debit card systems having loan provisions, and methods of use. Such systems couple a debit card to a financial account having access to the national eft system. The debit card system satisfies the requirements of TISA Regulation DD. Debit card accounts of the invention enable the card holder to access proceeds of short-term loans using the debit card. When coupled with deposit of the card holder's payroll into the card account, by the card holder's employer, such short-term loans are automatically repaid when the employer makes a payroll deposit. Card systems of the invention satisfy the notice provisions of TISA regulation DD by funding the debit card account with loan proceeds only after the card holder has received notification of the conditions, fees, and other costs, and releasing such funds for withdrawal through e.g. an ATM only pursuant to requests therefore received after the card holder has approved such conditions, fees, and other costs.

Abstract: Systems and methods for providing gifts are described. In one exemplary embodiment, the systems and methods may include receiving financial card distribution information from a consumer, wherein the financial card distribution information identifies at least one recipient for a financial card and a predetermined delivery time for providing the financial card to the recipient, storing the financial card distribution information in a database, such that the stored financial card distribution information is associated with the consumer, and preparing a communication to the recipient to provide the financial card to the recipient at the predetermined delivery time.