Search Images Maps Play YouTube News Gmail Drive More »
Sign in
Screen reader users: click this link for accessible mode. Accessible mode has the same essential features but works better with your reader.

Patents

  1. Advanced Patent Search
Publication numberUSRE45416 E1
Publication typeGrant
Application numberUS 13/524,685
Publication date17 Mar 2015
Filing date15 Jun 2012
Priority date10 Jul 2001
Publication number13524685, 524685, US RE45416 E1, US RE45416E1, US-E1-RE45416, USRE45416 E1, USRE45416E1
InventorsFred Bishop, Peter D. Saunders
Original AssigneeXatra Fund Mx, Llc
Export CitationBiBTeX, EndNote, RefMan
External Links: USPTO, USPTO Assignment, Espacenet
Processing an RF transaction using a routing number
US RE45416 E1
Abstract
A system and method for securing a Radio Frequency (RF) transaction using a RF identification device transaction device is provided. The invention uses the routing number and customer identifying information associated with a transaction account to secure a RF transaction. Specifically, the customer identifying information is included in an encrypted payload that is provided to a merchant point-of-sale device in a unused field of the RF data transmission. The routing number is provided in the ordinary field location of the data transmission typically reserved for the transaction account number. Additionally, the encrypted payload is provided in the unused field of the data transmission. The routing number is used to locate the corresponding encryption key for validating the RF transaction device, the transaction account and/or customer identifying information without the need for the reader to encrypt the customer identifying information before providing a transaction request to an account issuer.
Images(8)
Previous page
Next page
Claims(45)
What is claimed is:
1. A method, comprising:
creating an encrypted authentication tag using a random number and at least one of a transaction account code, a routing number, or a counter value; and
transmitting the encrypted authentication tag and the routing number to a radio frequency identification (RFID) reader using a data transmission format comprising an account code field and an unallocated field,
wherein the encrypted authentication tag is transmitted in the unallocated field of the data transmission format.
2. The method of claim 1, further comprising receiving the random number from the RFID reader.
3. The method of claim 2, further comprising transmitting an RFID reader authentication code to the RFID reader and receiving an encrypted RFID reader authentication code from the RFID reader.
4. The method of claim 3, further comprising verifying the encrypted RFID reader authentication code for authentication of the RFID reader.
5. The method of claim 1, wherein the encrypted authentication tag is created using the routing number.
6. The method of claim 1, further comprising incrementing the counter value by at least one of a random amount or a predetermined amount.
7. The method of claim 1, wherein the routing number is transmitted in a transaction account field.
8. The method of claim 7, wherein the transaction account field is a primary account number (PAN) field as defined by ISO 8583.
9. The method of claim 7, further comprising:
creating a payload data file by encrypting the transaction account code; and
transmitting the payload data file to the RFID reader in at least one of character positions 64-79 of a Track 1 format as defined in ISO 7813.
10. The method of claim 1, wherein the unallocated field includes at least one of character positions 64-79 of a Track 1 format as defined in ISO 7813.
11. The method of claim 1, wherein the unallocated field includes at least one of: a field separator (FS) field, an expiry date (ED) field, a service code (SC) field, a PIN verification value (PVV) field, a discretionary data (DD) field, an end sentinel (ES) field, or a longitude redundancy check (LRC) field, of a Track 1 format as defined in ISO 7813.
12. A radio frequency transaction device, comprising:
a processor configured to create an encrypted authentication tag and a routing number, wherein the processor is configured to create the encrypted authentication tag using at least one of a counter value, the routing number, or a transaction account code; and
a communication device configured to transmit the encrypted authentication tag using a data transmission format comprising an account code field and an unallocated field, wherein the encrypted authentication tag is configured to be transmitted in the unallocated field of the data transmission format.
13. The radio frequency transaction device of claim 12, further comprising a memory configured to store customer identifying information, the counter value, the transaction account code, and an encryption key.
14. The radio frequency transaction device of claim 13, wherein the processor is configured to create the encrypted authentication tag using at least one of the customer identifying information, the encryption key, the counter value, the routing number, or the transaction account code.
15. The radio frequency transaction device of claim 12, further comprising a memory configured to store a payload data file.
16. The radio frequency transaction device of claim 15, wherein the payload data file comprises an encrypted transaction account code.
17. A method, comprising:
receiving an encrypted account payload data file from a radio frequency (RF) transaction device using a data transmission format comprising an account code field and an unallocated field, wherein the encrypted account payload data file is transmitted in the unallocated field of the data transmission format;
receiving a routing number from the RF transaction device in a transaction account field, wherein the transaction account field does not contain a transaction account code; and
using the routing number to transmit the encrypted account payload data file to an account provider.
18. The method of claim 17, further comprising:
providing a random number to the RF transaction device; and
receiving an encrypted authentication tag from the RF transaction device, wherein the encrypted authentication tag is generated using the random number and at least one of the transaction account code, the routing number, or a counter value.
19. The method of claim 18, further comprising converting at least one of the encrypted authentication tag, the counter value, the random number, or the routing number into a merchant point of sale (POS) recognized format.
20. The method of claim 19, wherein the merchant POS recognized format is ISO/IEC 8583 compatible.
21. The method of claim 18, further comprising verifying the encrypted authentication tag using an authentication tag decryption key corresponding to an identification code received from the RF transaction device.
22. The method of claim 17, further comprising decrypting the encrypted account payload data file using a payload decryption key corresponding to an identification code received from the RF transaction device.
23. The method of claim 17, wherein the transaction account field is a primary account number (PAN) field as defined by ISO 8583.
24. The method of claim 17, wherein transmitting the encrypted account payload data file to an account provider is performed without having access to the transaction account code.
25. A method, comprising:
associating radio frequency (RF) transaction device data with a routing number;
receiving an encrypted authentication tag from a merchant in accordance with the routing number using a data transmission format comprising an account code field and an unallocated field, wherein the encrypted authentication tag is transmitted in the unallocated field of the data transmission format;
verifying the encrypted authentication tag using an authentication tag decryption key corresponding to the RF transaction device data; and
decrypting the encrypted authentication tag to process a transaction request.
26. The method of claim 25, wherein the authentication tag decryption key relates to the routing number.
27. The method of claim 25, further comprising:
decrypting the encrypted authentication tag to read a counter value; and
verifying the counter value to facilitate processing the transaction request.
28. The method of claim 27, further comprising receiving a payload data file from the merchant in accordance with the routing number.
29. A method, comprising:
associating radio frequency (RF) transaction device data with a routing number;
receiving an encrypted authentication tag and a payload data file from a merchant in accordance with the routing number;
verifying the encrypted authentication tag using an authentication tag decryption key corresponding to the RF transaction device data; and
decrypting the encrypted authentication tag to process a transaction request and to read a counter value; and
verifying the counter value to facilitate processing the transaction request, wherein processing the transaction request comprises at least one of:
locating a payload decryption key using the routing number;
decrypting customer identifying information from the payload data file using the payload decryption key to create decrypted customer identifying information; or
providing the decrypted customer identifying information to a merchant point of sale (POS) device for processing.
30. A method, comprising:
creating an encrypted authentication tag using a random number;
creating a payload data file by encrypting a transaction account code; and
transmitting the encrypted authentication tag and the payload data file to a radio frequency identification (RFID) reader using a data transmission format comprising an account code field and an unallocated field,
wherein the encrypted authentication tag and the payload data file is transmitted in the unallocated field of the data transmission format.
31. The method of claim 30, further comprising receiving the random number from the RFID reader.
32. The method of claim 31, further comprising transmitting an RFID reader authentication code to the RFID reader and receiving an encrypted RFID reader authentication code from the RFID reader.
33. The method of claim 32, further comprising verifying the encrypted RFID reader authentication code for authentication of the RFID reader.
34. The method of claim 30, wherein the creating the encrypted authentication tag further uses a routing number.
35. The method of claim 30, further comprising incrementing a counter value by at least one of a random amount or a predetermined amount.
36. The method of claim 30, wherein a routing number is transmitted in a transaction account field.
37. The method of claim 36, wherein the transaction account field is a primary account number (PAN) field as defined by ISO 8583.
38. The method of claim 36, further comprising:
creating a payload data file by encrypting the transaction account code; and
transmitting the payload data file to the RFID reader in at least one of character positions 64-79 of a Track 1 format as defined in ISO 7813.
39. The method of claim 30, wherein the unallocated field includes at least one of character positions 64-79 of a Track 1 format as defined in ISO 7813.
40. The method of claim 30, wherein the unallocated field includes at least one of:
a field separator (FS) field, an expiry date (ED) field, a service code (SC) field, a PIN verification value (PVV) field, a discretionary data (DD) field, an end sentinel (ES) field, or a longitude redundancy check (LRC) field, of a Track 1 format as defined in ISO 7813.
41. A radio frequency transaction device, comprising:
a processor configured to:
create an encrypted authentication tag using a routing number, and
create a payload data file by encrypting a transaction account code; and
a communication device configured to transmit the encrypted authentication tag and payload data file using a data transmission format comprising an account code field and an unallocated field,
wherein the encrypted authentication tag and the payload data file are configured to be transmitted in the unallocated field of the data transmission format.
42. The radio frequency transaction device of claim 41, further comprising a memory configured to store customer identifying information, a counter value, a transaction account code, and an encryption key.
43. The radio frequency transaction device of claim 42, wherein the processor is further configured to create the encrypted authentication tag using at least one of the customer identifying information, the encryption key, the counter value, the routing number, or the transaction account code.
44. The radio frequency transaction device of claim 41, further comprising a memory configured to store a payload data file.
45. The radio frequency transaction device of claim 44, wherein the payload data file comprises an encrypted transaction account code.
Description
CROSS-REFERENCE TO RELATED APPLICATIONS

This invention ('548 application) is a Continuation-in-Part of U.S. patent application Ser. No. 10/711,720, entitled “SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA,” filed Sep. 30, 2004. The '548 application is also a continuation-in-part of U.S. patent application Ser. No. 10/708,545, titled “SYSTEM AND METHOD FOR SECURING RF TRANSACTIONS USING A RADIO FREQUENCY IDENTIFICATION DEVICE INCLUDING A TRANSACTION COUNTER,” filed Mar. 10, 2004. Both the '720 and '545 applications are non-provisional's of U.S. Provisional Application No. 60/507,803, filed Sep. 30, 2003. The '548 application is also a continuation-in-part of U.S. patent application Ser. No. 10/340,352, entitled “SYSTEM AND METHOD FOR INCENTING PAYMENT USING RADIO FREQUENCY IDENTIFICATION IN CONTACT AND CONTACTLESS TRANSACTIONS,” filed Jan. 10, 2003. The '352 application is a non-provisional of U.S. Provisional Patent Application No. 60/396,577, filed Jul. 16, 2002. The '548 application is also a continuation-in-part of U.S. patent application Ser. No. 10/192,488, entitled “SYSTEM AND METHOD FOR PAYMENT USING RADIO FREQUENCY IDENTIFICATION IN CONTACT AND CONTACTLESS TRANSACTIONS,” filed on Jul. 9, 2002, and has now issued as U.S. Pat. No. 7,239,226 on Jul. 3, 2007. The '488 is a non-provisional of U.S. Provisional Patent Application No. 60/304,216, filed Jul. 10, 2001. All of the above-listed applications are incorporated herein by reference.

FIELD OF INVENTION

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.

BACKGROUND OF INVENTION

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 and analysis systems worldwide.

Of late, companies are increasingly embodying RFID data acquisition technology in portable devices 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 typically a self-contained device which may be contained 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 a RF interrogation signal provided by a RF reader. U.S. Pat. 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. Pat. 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.

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 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.

One of the more visible uses of the RFID technology is found in the introduction of Exxon/Mobil's Speedpass® and Shell's EasyPay® 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 seeks 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.

Minimizing fraud transactions in the RFID environment is typically important to the 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, the 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 the 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.

One problem with the conventional method of securing an RFID transaction is that the time for completing the transaction is increased. This is true since the RFID device user must delay the transaction to provide the alternate identification. The increased time for completing a transaction defeats one real advantage of the 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.

Another problem associated with conventional securing methods is that the customer identifying information (e.g., customer name, address, customer demographics, etc.) is susceptible to theft when transmitted from the RFID device to the RFID reader. Merchants often print the customer identifying information on a receipt for billing purposes. Alternatively, merchants store the customer identifying information for recordkeeping purposes, such as if the customer identifying information is needed to settle a transaction dispute. Typically, the merchant receives the customer identifying information from the RFID reader which receives the information from the RFID device as unencrypted data (“in-the-clear data”). The unencrypted data therefore may be intercepted by unscrupulous eavesdroppers bent on using the customer's identifying information for fraudulent purposes.

As such, a need exists for a method of securing a RFID transaction which does not increase the time needed to complete the transaction, and which method may be used without device user intervention. A further need exists for a system that secures customer identifying information transmitted in-the-clear.

SUMMARY OF INVENTION

Described herein is a system and method for securing RFID transactions which addresses the problems found in conventional transaction securing methods. The securing method described 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. The method further involves placing the routing number associated with a transaction account in the transmission data field typically reserved for the transaction account number, and placing encrypted card information (e.g., card number and/or expiration date) in an alternate unused field of a transaction request. One implementation will be to use the unused 16 characters at positions 64-79 of the Track 1 format as defined in ISO7813. The encrypted card information is decrypted at the issuer location using a decryption key correlated to the routing number transmitted in the transaction account number field.

In one exemplary embodiment, the invention discloses a system and method for verifying a RFID transaction device and RFID reader operable with a RF transaction system. The method involves presenting a RFID transaction system to a RFID reader, receiving a random number from the 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 the counter random number, and/or RFID transaction device authentication tag, and providing the RFID reader and RFID transaction device for authentication.

Under a second embodiment, the invention involves verifying the RFID transaction device only. Still under another embodiment, the invention involves verifying the RFID reader without verifying the RFID transaction device.

In yet another embodiment of the invention, the method involves using the data transmission fields to secure a RF transmission. In general, the invention includes placing the routing number in the data transmission field typically reserved for the transaction account number, and forwarding the routing number and an encrypted transaction account number and expiration date to the RFID reader. The RFID reader then places the encrypted account number and expiration date in the data transmission field typically reserved for unused data, such as, for example, positions 64-79 of the 7813 Track 1 format, and forwards the data transmission to the merchant system. The merchant system receives the data transmission and forwards a transaction request to the transaction account issuer for transaction settlement. The account issuer may receive the transaction request and locate a transaction account decryption key useful for decrypting the information stored in the unused field, decrypt the transaction account information, and process the transaction request under issuer-defined business as usual standards.

In still another embodiment, the method involves using the data transmission fields to secure a RF transmission by placing the routing number in the data transmission field typically reserved for the transaction account number, and forwarding the routing number and an encrypted transaction account number, expiration date and customer identifying information to the RFID reader. The RFID reader then places the encrypted account number, expiration date, and customer identifying information in the data transmission field typically reserved for unused data and forwards the data transmission to the merchant system. The merchant system receives the data transmission and forwards a transaction request to the transaction account issuer for transaction settlement. The account issuer may receive the transaction request and locate a transaction account decryption key useful for decrypting the information stored in the unused field, decrypt the transaction account information, and process the transaction request under issuer-defined business as usual standards. The issuer may then forward the decrypted customer information to the merchant system for use in billing or record keeping.

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 THE DRAWINGS

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:

FIG. 1 illustrates an exemplary RFID-based system depicting exemplary components for use in RFID transaction completion in accordance with the present invention;

FIG. 2 illustrates an exemplary method for securing a RFID transaction using a counter-generated indicia in accordance with the present invention;

FIG. 3 depicts a flow diagram of an exemplary RFID transaction device and RFID reader authentication flow chart useful with this invention;

FIG. 4 depicts a flow diagram of an exemplary RFID transaction device authentication flow diagram useful with this invention;

FIG. 5 depicts a flow diagram of an exemplary RFID reader authentication flow diagram useful with this invention;

FIG. 6 depicts a flow diagram of an exemplary RFID transaction securing method using a transaction account routing number useful with this invention; and

FIG. 7 depicts a flow diagram of an exemplary RFID transaction securing method using a transaction account routing number and customer identifying information useful with this invention.

DETAILED DESCRIPTION

The present invention may be described herein in terms of functional block components, screen shots, optional selections and various 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), herein incorporated by reference.

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 of networks, such as an interactive television network (ITN).

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). All of these texts are hereby incorporated by reference.

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.

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®, Blackberry®), 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, BeOS, 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.

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 a POS device and a host network, may reside on a local area network which interfaces to a remote network (not shown) for remote authorization of an intended transaction. The POS may communicate with the remote network via a leased line, such as a T1, D3 line, or the like. Such communications lines are described in a variety of texts, such as, “Understanding Data Communications,” by Gilbert Held, which is incorporated herein by reference.

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.

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.

A transaction device identifier (e.g., account number) 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. These first five to seven digits may be termed the “routing number” herein. The routing number may typically be included in the account number for use in indicating the transaction completion transmission route corresponding to an account issuer, funding source, or the like. Typically, the routing number may not be used for payment. 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 is stored as Track 1 and Track 2 data as defined in ISO/IEC 7813, and further may be made unique to the RFID transaction device.

In one exemplary embodiment, the transaction device identifier may include a unique RFID transaction device serial number and user identification number, as well as specific application applets. The transaction device identifier may be stored on a transaction device database located on the transaction device. The transaction device database may be configured to store multiple account numbers issued to the 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, the RFID transaction device database may be configured to store the attendant loyalty or rewards points data.

In addition to the above, the 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, the 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.

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 the RFID transaction device and the RFID reader disclosed herein include traditional transponders for transmitting information between the device and the reader, antennas for facilitating RF data transmission, protocol sequence controllers or microprocessors for controlling the operation of the device or reader components, modulators/demodulators and the like for conditioning a RF data transmission to be read by the reader or device, which may be necessary for proper RFID data transmission. As such, those components are contemplated to be included in the scope of the invention.

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 from the RFID device to the RFID reader, or from the RFID reader to the merchant system 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), which standards are incorporated herein by reference.

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 nondiscretionary data fields. In one example, the nondiscretionary 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 personal identification number, country code, current units amount authorized per cycle, subsidiary accounts, and restrictions.

As such, where information is provided in accordance with this invention, it may be provided in magnetic stripe format track. For example, the 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.

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.

FIG. 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 system 112 via a network 108 for transmitting a transaction request, including information received from RFID reader 104, and receiving authorization concerning transaction completion.

Although point-of-interaction device (POS 106) 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 transaction device 102. POS device 106 may receive RFID transaction device 102 information and provide the information to host network 108 for processing. In one exemplary embodiment, POS device 106 may receive the transaction device information in ISO/IEC 8583 message format from RFID reader 104.

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 system 112. Acquirer 112 may route the request to the 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 account issuer system 112 on 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.

Additionally, account issuer system 112 (“account provider”) 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 transaction 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 the transaction device itself, but may be stored remotely, such as, for example, at account issuer system 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.

RFID transaction device 102 may include a database 116 for storing transaction device information including the transaction device account number, customer identification, transaction device encryption and security keys, etc. 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. In one embodiment, databases disclosed are a collection of ASCII or other text files. In another embodiment data is stored in a hierarchical file structure conforming to ISO 7816 file structure standards. 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.

The database 116 may be in communication with a transaction device microprocessor 114 (e.g., protocol sequence controller) for use in controlling the operation of the internal circuits of RFID transaction device 102. The protocol sequence controller 114 may be in communication with a RFID transaction device counter 118. Counter 118 may be useful for tracking the number of transactions completed by a particular device 102, as described below. Microprocessor 114 facilitates the counting of the transactions by facilitating the incrementing of the counter 118 each occurrence of device 102 usage. The RFID device 102 may further include a transponder (not shown) for use in receiving RF data and configuring the data to be readable by the device 102 circuitry.

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 transaction device antenna 120 and may be received at a RFID transaction device transponder (not shown), which provides the interrogation signal to processor 114. In response, transaction device processor 114 may retrieve a transaction device identifier from transaction device database 116 for providing to RFID reader 104 to complete a transaction request. Typically, the transaction device identifier may be encrypted prior to providing the device identifier to RFID reader 104.

It should be noted that RFID 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 Ser. No. 10/340,352, entitled “System and Method for Incenting Payment Using Radio Frequency Identification in Contact and Contactless Transactions,” filed Jan. 10, 2003, incorporated by reference in its entirety.

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, the transaction device may automatically disable itself against further usage. Alternatively, account issuer system 112 may flag the transaction account correlating to the transaction device such that the account issuer system automatically prevents completion of transactions using the transaction device

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 the transaction device is presented for completion of a transaction. Counter 118 may be a discrete electronic device on the transponder, or may be a software or code-based counter as is found in the art.

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.

To facilitate understanding, the following description discusses all values to be in numeric units (0, 1, 2, 3 . . . n). Thus, the counter values, the value amount to be incremented, the total transactions counted value, and the maximum transactions value, are all whole numbers.

It should be noted that account issuer system 112 may preset the initial counter value at any initial value as desired. Account issuer system 112 may also predetermine the value amount to be incremented by counter 118 when the transaction device is used to complete a transaction. Further, account issuer system 112 may assign different values to be incremented for each distinct transaction device 102. Further still, account issuer system 112 may determine the maximum transactions value, which may be particular to each individual transaction device 102 issued by account issuer system 112. Where counter 118 value equals a maximum transactions value, the system 100 prevents the usage of the transaction device 102 to complete additional transactions. Account issuer system 112 may prevent the usage of the transaction device 102 where the account issuer flags the transaction account corresponding to the transaction device 102, thereby preventing authorization for using the account to complete transactions. Alternatively, the transaction device 102 may self-disable. For example, counter 118 value may trigger the transaction device processor 114 to provide a signal for preventing the transfer of the transaction device 102 identifier.

For example, account issuer system 112 may preset the initial counter value at 5 units and the counter value to be incremented at 10 units per transaction. Account issuer system 112 may determine that transaction device 102 may be used to complete a total transaction value of 20 transactions. Since counter 118 increments the 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 the counter value equals 205 units, then the operation of the transaction device 102 is disabled.

The operation of the exemplary embodiment described above, may be understood with reference to FIG. 1 and to the method of securing a RFID transaction described in FIG. 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 the transaction device 102 identifier, account issuer system 112 routing number and encrypted transaction device identifier from database 116 for providing to RFID reader 104 (step 204).

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 system 112 (e.g., value amount to be incremented). The resulting counter 118 value after incrementing is the total transactions counted value.

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 system 112 routing number to RFID reader 104 via RF transmission (step 208). RFID reader 104 may, in turn, convert the 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). The merchant system including POS 106 may then provide a transaction request to an acquirer 110 via network 106. The transaction request may include the information received from the 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.

Acquirer 110 may receive the transaction request and forward the transaction request to the appropriate account issuer system 112 in accordance with the routing number provided (step 218). The account issuer 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 system 112. Alternatively, the transaction device identifier, or a portion thereof, may be identified by account issuer system 112 as originating with a RFID transaction device 102.

In one exemplary embodiment, account issuer system 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 system 112 (step 220). For example, account issuer system 112 may receive the encrypted transaction device identifier and locate the corresponding decryption key relating to the transaction account. If the encrypted ID is invalid, such as, for example, when account issuer system 112 is unable to locate the corresponding decryption key, account issuer system 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).

If the RFID transaction device encrypted identifier corresponding decryption key is located, the encrypted identifier is considered “valid” and account issuer system 112 may then use the corresponding decryption key to “unlock” or locate the transaction device account correlative to the transaction device 102. Account issuer system 112 may then retrieve all information relating to the usage limits which have been predetermined by account issuer system 112. Account issuer system 112 may be able to determine if a particular transaction device 102 has reached its limit of available transactions.

For example, account issuer system 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 the counter value is met or exceeded, and the transaction is considered “invalid.” As such, account issuer system 112 may then provide a “Transaction Invalid” message to POS 106 (step 228). In addition, account issuer system 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 system 112 may also provide a “Transaction Invalid” message to POS 106 (step 228). Transaction device 102 user may then be permitted to provide alternate means of completing the transaction (step 226) or the transaction is ended.

Alternatively, where the total transactions counted value does not exceed or meet the maximum transactions allowed value, the counter value is considered valid and a “Transaction Valid” message is sent to merchant POS 106 (step 230). The merchant may then complete the transaction under business as usual standards as are employed by the merchant.

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 a RFID transaction device is a valid device for completing a transaction on a RF transaction system. The account issuer can determine whether the transaction device is valid by verifying the transaction device counter, and encryption identifier. It should be noted, however, that the present invention contemplates various arrangements wherein the RFID reader may also be validated.

FIG. 3 illustrates another method 300 for usage of the 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 the secure transactions. Random number generator 120 may be in communication with a RFID reader microprocessor 122, which may provide the generated random number to RFID transaction device 102 during transaction processing. Random number generator 120 may be any conventional random number generator as is found in the art.

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 a RFID reader 104. The interrogation zone may be the area or zone defined by the interrogation signal cast by RFID reader 104.

Upon presentment of the transaction device 102, RFID reader 104 may provide the random number to RFID transaction device 102. RFID transaction device 102 may receive the random number and use it to create a RFID transaction device authentication tag (step 306). RFID transaction device 102 may receive the random number and use the random number, the counter value, transaction account number and the RFID transaction device encryption key to create a RFID transaction device authentication tag.

RFID transaction device 102 may provide the RFID transaction device authentication tag to RFID reader 104. RFID transaction device 102 may also provide in-the-clear data, the counter value, random number to RFID reader 104, along with the 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).

RFID reader 104 may receive the data provided by RFID reader 104, and use the data to create a RFID reader authentication key using a RFID reader encryption key (step 312). RFID reader 104 may convert the in-the-clear data, random number, counter value, 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).

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 RFID reader 104 encryption key and forward the transaction request to an acquirer 110 who may forward the transaction request to an account issuer system 112 using the routing number.

Account issuer system 112 may receive the transaction request and verify that RFID reader 104 and RFID transmission device 102 are valid. Account issuer system 112 may validate the RFID reader authentication tag by decrypting the 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 the RFID transaction device authentication tag (step 332).

For example, account issuer system 112 may use the RF transaction device account number to locate a RFID transaction device encryption key stored on issuer system 112 database (step 324) and use the RFID transaction device encryption key to decrypt the RFID transaction device authentication tag (step 326). If decryption is unsuccessful then issuer system 112 provides a “Transaction Invalid” message to POS 106 (step 322) and the transaction is terminated. Alternatively, if the decryption is successful, then issuer system 112 may validate the counter value (step 328). Issuer system 112 may compare the counter value to an expected counter value. In another exemplary embodiment, issuer system 112 may subject the counter value received from RFID transaction device 102 to an algorithm the results of which are validated against an expected counter value.

If the 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 the counter to validate a RFID transaction device authentication tag and a RFID reader authentication tag.

FIG. 4 illustrates another exemplary embodiment of the present invention wherein RFID transaction device 102 is validated using the 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 the 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 the counter value by a predetermined value (step 310).

RFID reader 104 may receive the RFID transaction device authentication tag, in-the-clear data and counter value and convert the counter value, in-the-clear data and RFID transaction device authentication tag to a merchant POS 106 format (step 414). Merchant POS 106 may then provide the data received from RFID reader 104 to an issuer system 112 (step 316) for transaction satisfaction (step 318). Issuer system 112 may receive the data and verify the RFID transaction device authentication (step 332). For example, issuer system 112 may validate the RFID transaction authentication tag and the counter value in accordance with steps 324-330.

Under yet another embodiment, FIG. 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 the counter value. In this exemplary embodiment, RFID transaction device 102 is presented for transaction completion as described before (step 302). RFID transaction device 102 may then provide the counter and the in-the-clear data to RFID reader 104 (step 508). RFID transaction device 102 may increment the counter value by a predetermined value (step 310).

RFID reader 104 may receive the in-the-clear data and the counter value and prepare RFID reader authentication tag using a RFID reader encryption key (step 512). RFID reader 104 may then convert the in-the-clear data and RFID reader authentication tag to a merchant POS 106 format (step 514). 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, merchant POS 106 may provide issuer system 112 with a POS identifier associated with POS 106. Issuer system 112 may receive the POS identifier, and locate a related POS encryption key stored on an issuer system database (not shown). Issuer system 112 may receive the data and verify the RFID transaction device authentication (step 532). For example, issuer system 112 may validate the RFID transaction authentication tag and the counter value in accordance with steps 524-530, in similar manner as is described with respect to steps 324-330 above.

In yet another exemplary embodiment, the counter value is used in conjunction with a routing number to secure a RFID transaction. RFID transaction device 102 provides the routing number to POS 106 which may use the routing number to authenticate (e.g., validate) RFID transaction device 102 and/or decrypt an encrypted transaction account data. Under this method, and undetected by POS 106, the transaction device account number and expiration date (e.g., payload) is encrypted and placed in the unused field of the message provided by RFID reader 104 to POS 106. Issuer system 112 may receive the routing number and the encrypted transaction account data (e.g., transaction account number and expiration date), and use the routing number to validate the transaction device 102, or account number.

FIG. 6 depicts an exemplary method 600 for using the counter value, routing number and encrypted payload to secure a RFID transaction. RFID transaction device 102 may be presented to a RFID reader 104 for transaction completion (step 302), and RFID reader 104 may send a random number to RFID transaction device 102 (step 304). RFID transaction device 102 may receive the random number and retrieve the transaction account number and expiration date (e.g., payload data) associated with RFID transaction device 102, and the routing number associated with the payload data (step 615). RFID transaction device 102 may encrypt the payload (step 617) and create a RFID transaction device authentication tag using the random number, routing number associated with the transaction account number, the counter value, and encrypted payload data (step 606). RFID transaction device 102 may form a RFID transaction device data message including the RFID transaction device authentication tag, counter value, encrypted payload and routing number (step 619). RFID transaction device 102 may place the routing number in a location typically recognizable by POS 106 as the transaction account number (step 621). In this way, POS 106 is unaware that the data received in the ordinary transaction number field of the data message is a routing number. Additionally, RFID transaction device 102 may place the encrypted payload in the unused field of the RFID transaction device data message (step 623). RFID transaction device 102 may provide the data message to RFID reader 104 in the format discussed above (step 625), and RFID reader 104 may provide the data message to POS 106 in any POS recognizable format (step 614). RFID transaction device 102 may then increment the counter value (step 610). The merchant may then seek transaction satisfaction by forwarding the transaction to issuer system 112, for example (step 318).

RFID transaction device 102 may be validated (step 632) by validating the RFID transaction device authentication tag, counter value or the like. For example, issuer system 112 may seek to validate the RFID transaction device authentication tag. Issuer system 112 may, for example, use the routing number to locate a corresponding RFID transaction device authentication tag decryption key stored on issuer system 112 database and use the RFID transaction device decryption key to decrypt the RFID transaction device authentication tag (step 624). If decryption is unsuccessful (step 326) then issuer system 112 provides a “Transaction Invalid” message to POS 106 (step 322) and the transaction is terminated. Alternatively, if the decryption is successful (step 326), then issuer system 112 may validate the counter value (step 328). Issuer system 112 may compare the counter value to an expected counter value. In another exemplary embodiment, issuer system 112 may subject the counter value received from RFID transaction device 102 to an algorithm the results of which are validated against an expected counter value.

If the counter value is unsuccessfully validated, then issuer system 112 may provide a “Transaction Invalid” message to POS 106 (step 322). Otherwise, issuer system 112 may process the RFID transaction account number under business as usual standards. In an alternate embodiment, upon validating the counter value and the RFID transaction device authentication tag, issuer system 112 may use the routing number to locate a decryption key for decrypting the encrypted payload (e.g., “payload encryption key”) and decrypt the payload accordingly (step 630). Alternatively, the payload encryption key and the RFID authentication tag encryption key may be identical, substantially the same key, or different keys entirely.

Notably, since the routing number may be defined as the card number in the data transmitted from the RFID reader 104 to POS 106, the issuing system 112 may readily use the routing number to locate appropriate decryption keys. In this way, the transaction is secured using a counter, by using the counter to validate a RFID transaction device authentication tag and a RFID reader authentication tag.

FIG. 7 depicts yet another method 700 for securing a RF transaction wherein the customer identifying information (called “customer data” herein) is encrypted and provided in the data transmission field, and in one embodiment, in the portion of the data transmission field typically reserved for unused information. In a similar manner as is described with respect to FIG. 6, the routing number associated with a particular transaction account is placed in the data transmission field typically reserved for the transaction account number. Merchant POS 106 may be unaware of the content of the information stored in the transaction account and unused fields, such that the merchant system processes the transaction request as if the fields contained the information typically stored therein.

Operation of method 700 may be understood with reference to FIG. 7 and continued reference to FIGS. 1 and 6. Namely, method 700 may begin with RFID transaction device 102 being presented to a RFID reader 104 for transaction completion (step 302), and RFID reader 104 may send a random number to RFID transaction device 102 (step 304). RFID transaction device 104 may receive the random number and retrieve the transaction account number, expiration date (e.g., payload data), the customer identifying information (e.g., customer name) associated with RFID transaction device 102, and the routing number associated with the payload data (step 715). In this exemplary embodiment, the “payload data” is described as including the customer identification information. RFID transaction device 102 may encrypt the payload data (step 717) and create a RFID transaction device authentication tag using the random number, routing number associated with the transaction account number, the counter value, and encrypted payload data (step 606). RFID transaction device 102 may form a RFID transaction device data message including the RFID transaction device authentication tag, counter value, encrypted payload and routing number (step 619). RFID transaction device 102 may place the routing number in a location typically recognizable by POS 106 as the transaction account number (step 621). In this way, POS 106 may be unaware that the data received in the ordinary transaction number field of the data message is a routing number. Additionally, RFID transaction device 102 may place the encrypted payload in the unused field of the RFID transaction device data message (step 623). RFID transaction device 102 may provide the data message to RFID reader 104 in the format discussed above (step 625), and RFID reader 104 may provide the data message to POS 106 in any POS recognizable format (step 614). RFID transaction device 102 may then increment the counter value (step 610). The merchant may then seek transaction satisfaction by forwarding the transaction to issuer system 112, for example (step 318).

RFID transaction device 102 may be validated (step 732) by validating the RFID transaction device authentication tag, counter value or the like. For example, issuer system 112 may seek to validate the RFID transaction device authentication tag. Issuer system 112 may, for example, use the routing number to locate a corresponding RFID transaction device authentication tag decryption key stored on issuer system 112 database and use the RFID transaction device decryption key to decrypt the RFID transaction device authentication tag (step 724). If decryption is unsuccessful (step 326), then issuer system 112 provides a “Transaction Invalid” message to POS 106 (step 322) and the transaction is terminated. Alternatively, if the decryption is successful (step 326), then issuer system 112 may validate the counter value (step 328). Issuer system 112 may compare the counter value to an expected counter value. In another exemplary embodiment, issuer system 112 may subject the counter value received from RFID transaction device 102 to an algorithm the results of which are validated against an expected counter value.

If the counter value is unsuccessfully validated, then issuer system 112 may provide a “Transaction Invalid” message to POS 106 (step 322). Otherwise, issuer system 112 may send a “Transaction Valid” message to the merchant system and process the RFID transaction account number under business as usual standards. In an alternate embodiment, upon validating the counter value and the RFID transaction device authentication tag, issuer system 112 may locate a decryption key for use in decrypting the payload. For example, the issuer system 112 may use the routing number to locate a payload decryption key for decrypting the encrypted payload (e.g., “payload encryption key”) and decrypt the payload accordingly (step 630). Alternatively, the payload encryption key and the RFID authentication tag encryption key may be identical, substantially the same key, or different keys entirely.

Upon locating the appropriate decryption key, and successfully decrypting the transaction account authentication tag, issuer system 112 may retrieve the customer identifying information from the payload, and provide the customer identifying information to the merchant with the “Transaction valid” message (step 730). The customer identifying information may be provided to the merchant in an unencrypted format or in an encrypted format decrypt-able by the merchant system. The merchant may then use the customer identifying information to fulfill its billing and recordkeeping purposes.

As previously noted, since the routing number may be defined as the card number in the data transmitted from the RFID reader 104 to POS 106, the issuing system 112 may readily use the routing number to locate appropriate decryption keys (step 624). In this way, the transaction is secured by placing the customer identifying information in the unused field of the RF data transmission.

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 embodiments 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 spirit and scope of the invention. For example, the RFID reader may include an RFID reader encrypted identifier stored in the reader database, which may be validated by the account issuer in similar manner as with the transaction device encrypted identifier. Moreover, the 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.

Patent Citations
Cited PatentFiling datePublication dateApplicantTitle
US27677569 Jul 195323 Oct 1956Brown & BigelowFoldable unit plastic card holder
US337666128 Jun 19669 Apr 1968John G. HulettMultiple company credit card
US344626013 Apr 196727 May 1969Kleer Vu Ind IncCard holder for wallets
US353689423 Jul 196527 Oct 1970Jerry E TravioliElectronic credit card acceptor
US357373117 Jun 19686 Apr 1971Clary CorpDevice for determining authenticity of a credit card or the like
US372564719 Oct 19703 Apr 1973Insta Datic CorpPhotographic credit card system
US376335617 May 19712 Oct 1973Pitney Bowes AlpexUnidirectional fluorescent ink imprinted coded document and method of decoding
US382966212 Oct 197213 Aug 1974Canon KkRecording medium having concealed information as input for electronic computer
US383825222 Feb 197224 Sep 1974Pitney Bowes IncProtective coatings for magnetically codable credit card
US387381318 May 197325 Mar 1975Xerox CorpCredit card
US389475627 Jul 197315 Jul 1975Optronics IntIdentification card having a reference beam coded hologram
US391476227 Dec 197321 Oct 1975Rca CorpElectronic identification system
US392917728 Apr 197530 Dec 1975Amity Leather Prod CoPass case
US39552951 Aug 197511 May 1976Roberta B. KuhnsData bearing card having an aesthetic, magnetizable, colorless, transparent coating thereon
US404423127 May 197523 Aug 1977Addressograph Multigraph CorporationSecure property document and method of manufacture
US404873712 Feb 197520 Sep 1977Mcdermott Clifton EugeneDual identification card and identification card holder
US40561393 Mar 19761 Nov 1977Murt Edward MHolder for money, cards and the like
US40588393 Sep 197415 Nov 1977R. D. Products, Inc.Magnetic-type information card and method and apparatus for encoding and reading
US406687326 Jan 19763 Jan 1978The First National Bank Of ChicagoIdentification and access card with associated optical decoding means
US41193619 Aug 197610 Oct 1978Landis & GyrMultilayer identification card
US420249126 Sep 197713 May 1980Hitachi, Ltd.Data card
US420696523 Aug 197610 Jun 1980Mcgrew Stephen PSystem for synthesizing strip-multiplexed holograms
US422251618 Jan 197916 Sep 1980Compagnie Internationale Pour L'informatique Cii-Honeywell BullStandardized information card
US427786311 May 197914 Jul 1981Daniel FaneufIdentification card holder
US431855410 Sep 19799 Mar 1982Microseal CorporationCombined medical and/or informational identification credit card
US435664626 Feb 19812 Nov 1982Johnson Jr Thomas ACard holder
US436175712 Jan 198130 Nov 1982Zeag Systems AgCard-like data carrier
US44213806 Oct 198020 Dec 1983Mcgrew Stephen PFull-color hologram
US443699110 Mar 198213 Mar 1984Sealectro CorporationBadge reader using infrared light
US444302729 Jul 198117 Apr 1984Mcneely Maurice GMultiple company credit card system
US445053515 Sep 198122 May 1984Compagnie Internationale Pour L'informatique Cii-Honeywell Bull (Societe Anonyme)System and method for authorizing access to an article distribution or service acquisition machine
US445307419 Oct 19815 Jun 1984American Express CompanyProtection system for intelligent cards
US450408430 Jan 198412 Mar 1985Sodeco-Saia AgDocuments containing information invisible to the naked eye
US450765215 Mar 198426 Mar 1985Baker Industries, Inc.Bidirectional, interactive fire detection system
US453805913 Sep 198227 Aug 1985Itr International Time LimitedIdentification card with concealed coding and a simple reader module to decode it
US454700210 Nov 198315 Oct 1985U.S. Banknote CorporationCredit and identification cards having pieces of diffraction grating therein
US455821123 May 198310 Dec 1985Imperial Oil LimitedTransaction terminal system
US456302416 Mar 19837 Jan 1986Jeffrey BlythHologram identification device
US458152315 Jun 19838 Apr 1986Omron Tateisi Electronics Co.Apparatus for sensing a magnetic stripe on a recording media
US458298518 Mar 198215 Apr 1986Loefberg BoData carrier
US458968628 Jun 198220 May 1986Mcgrew Stephen PAnticounterfeiting method and device
US45939366 Mar 198410 Jun 1986Opel George EUniversal credit card
US459781423 Sep 19851 Jul 1986U.S. Banknote CorporationMethod for manufacturing card with three-dimensional label incorporated therein
US464101715 Dec 19833 Feb 1987Herman LopataFraud resistant credit card system
US464345215 Aug 198517 Feb 1987Chang Kwei KBusiness card attaching strip
US465646321 Apr 19837 Apr 1987Intelli-Tech CorporationLIMIS systems, devices and methods
US466351831 Oct 19855 May 1987Polaroid CorporationOptical storage identification card and read/write system
US46847957 Jan 19854 Aug 1987United States Banknote Company L.P.Security tape with integrated hologram and magnetic strip
US469239422 Jan 19858 Sep 1987Drexler Technology CorporationMethod of forming a personal information card
US46941485 Jul 198515 Sep 1987MIDS Magnetische Informations-und Daten-Systeme GmbHAccess card
US469707324 Feb 198629 Sep 1987Casio Computer Co., Ltd.IC card
US469736327 Nov 19856 Oct 1987Kangaroos U.S.A., Inc.Athletic shoe pocket
US470005515 Oct 198513 Oct 1987Kashkashian Jr ArsenMultiple credit card system
US471169018 Dec 19858 Dec 1987Gao Gesellschaft Fur Automation Und Organisation MbhMethod for making an identification card having features for testing in incident and transmitted light
US471722117 Jan 19865 Jan 1988Mcgrew Stephen PDiffractive color and texture effects for the graphic arts
US472571921 Jul 198616 Feb 1988First City National Bank Of AustinRestricted purpose, commercial, monetary regulation method
US473609429 Mar 19855 Apr 1988Omron Tateisi Electronics Co.Financial transaction processing system using an integrated circuit card device
US474449710 Dec 198617 May 1988Neal William T OSecurity wallet
US474714716 Jun 198624 May 1988Sparrow Malcolm KFingerprint recognition and retrieval system
US47688112 Sep 19866 Sep 1988Fuji Photo Film Co., Ltd.Card with photograph
US477989821 Aug 198725 Oct 1988Optical Coating Laboratory, Inc.Thin film optically variable article and method having gold to green color shift for currency authentication
US479414210 Aug 198727 Dec 1988Bayer AktiengesellschaftUse of special ethylene-vinyl acetate-copolymers for the modification of PVC
US479589429 Aug 19863 Jan 1989Harue SugimotoVisiting card marked with discriminating symbols and a method of and an apparatus for reading what is printed on said visiting card
US480179012 Jan 198731 Jan 1989Valid Technologies, Ltd.Access card provided with coded security means
US481665316 May 198628 Mar 1989American Telephone And Telegraph CompanySecurity file system for a portable data carrier
US482969026 Jun 198716 May 1989Andros Theodore ACredit card chain holder
US48374228 Sep 19876 Jun 1989Juergen DethloffMulti-user card system
US483950417 Jul 198713 Jun 1989Casio Computer Co., Ltd.IC card system compatible with bank account system
US484157011 May 198720 Jun 1989The United States Of America As Represented By The United States Department Of EnergyOne-way transformation of information
US484961717 Mar 198718 Jul 1989Mitsubishi Denki Kabushiki KaishaSemiconductor card which can be folded
US485291112 Nov 19871 Aug 1989Gao Gesellschaft Fur Automation Und Organisation MbhIdentification card having a magnetic track covered by color and methods for producing it
US485352528 Oct 19871 Aug 1989Interflex Satensysteme GmbhForgery proof optoelectric code card reader
US486381922 Jun 19885 Sep 1989Drexler Technology CorporationRead-only optical data card
US486884927 Jun 198819 Sep 1989Pitsuko FunakiTelephone card and telephone card-operated telephone
US488450721 Nov 19885 Dec 1989Levy Isy RSecurity container
US488936629 Jun 198726 Dec 1989Bruno FabbianiSecurity document
US489753331 Jul 198730 Jan 1990National Business Systems, Inc.Credit card and method of making the same
US48979479 Jan 19896 Feb 1990Kass Pious StephanieIdentification holder for mounting on shoes
US49105213 Aug 198120 Mar 1990Texas Instruments IncorporatedDual band communication receiver
US491729221 Apr 198817 Apr 1990Drexler Technology CorporationBook on a pocket card
US491843215 Aug 198917 Apr 1990B. I. IncorporatedHouse arrest monitoring system
US493796321 Nov 19883 Jul 1990Drexler Technology CorporationProtective enclosure for data cards
US498427019 Jun 19878 Jan 1991The Exchange SystemMethod and system for transmission of financial data
US499306827 Nov 198912 Feb 1991Motorola, Inc.Unforgeable personal identification system
US49987533 Apr 199012 Mar 1991Sharon WichaelMulti-purpose computer readable driver's license
US500489914 Apr 19892 Apr 1991Mitsubishi Denki Kabushiki KaishaSemiconductor card which can be folded
US501024314 Apr 198923 Apr 1991Kyodo Printing Co., Ltd.Method of producing an optical recording card having a hologram contained therein
US50158303 Jul 198914 May 1991Sharp Kabushiki KaishaElectronic card reading device
US50162748 Nov 198814 May 1991Silvio MicaliOn-line/off-line digital signing
US502390821 Apr 198911 Jun 1991Kenneth WeissMethod and apparatus for personal identification
US502537225 Sep 198918 Jun 1991Meridian Enterprises, Inc.System and method for administration of incentive award program through use of credit
US505232828 Feb 19911 Oct 1991Eppenbach Lawrence CApparatus for preventing credit card loss
US506889422 Aug 199026 Nov 1991U.S. Philips Corp.Method of generating a unique number for a smart card and its use for the cooperation of the card with a host system
US509622810 Jan 199017 Mar 1992Rinderknecht Lester WNotched I.D. card
US510612526 Nov 199021 Apr 1992Landis & Gyr Betriebs AgArrangement to improve forgery protection of credit documents
US51110336 Sep 19915 May 1992Kyodo Printing Co., Ltd.Optical card
US512535627 Mar 199130 Jun 1992Galante Vincent FMissing card warning device
US51423831 Apr 199125 Aug 1992American Banknote Holographics, Inc.Holograms with discontinuous metallization including alpha-numeric shapes
US517103927 Aug 199015 Dec 1992Micro Innovations, IncorporatedMedical information card
US517541617 May 199129 Dec 1992Mansvelt Andre PeterFunds transfer system
US518090217 May 199119 Jan 1993David SchickSelf verifying transaction card with disabling capability
US51929472 Feb 19909 Mar 1993Simon NeusteinCredit card pager apparatus
US51931148 Aug 19919 Mar 1993Moseley Donald RConsumer oriented smart card system and authentication techniques
US519864727 Nov 199030 Mar 1993Mitsubishi Denki Kabushiki KaishaPlural-coil non-contact ic card having pot cores and shielding walls
US520282626 Nov 199113 Apr 1993Mccarthy Patrick DCentralized consumer cash value accumulation system for multiple merchants
US52064887 Jun 198927 Apr 1993Mordechai TeicherCredit card system including a central unit and a plurality of local units for conducting low-cost transactions
US520811019 Jun 19894 May 1993Ciba-Geigy CorporationSecurity cards
US521784430 Apr 19888 Jun 1993Kyodo Printing Co., Ltd.Optical recording medium, method of producing the same and method of producing the optical recording card
US523462419 Aug 199110 Aug 1993Eric BauerMethod of manufacture of a data processing card provided with signs and data processing card provided with signs obtained by laser radiation
US524532927 Apr 198914 Sep 1993Security People Inc.Access control system with mechanical keys which store data
US525193725 Sep 199112 Oct 1993Gao Gesellschaft Fuer Automation Und Organisation MbhMultilayer data carrier and a method for producing it
US525647323 Sep 199126 Oct 1993Sumitomo Chemical Company, LimitedInfrared absorbing film improved in transparency
US525765626 Dec 19912 Nov 1993Mcleroy James HWallet and card holder
US525964924 Jun 19919 Nov 1993Gur ShomronCredit card
US527232616 Nov 199221 Dec 1993Kyodo Printing Co., Ltd.Optical card having light absorbing layer
US52763111 Jul 19924 Jan 1994Hartmut HennigeMethod and device for simplifying the use of a plurality of credit cards, or the like
US527901929 Dec 199218 Jan 1994Knickle James PCredit card and money carrying device
US52889782 Oct 199122 Feb 1994Kabushiki Kaisha ToshibaMutual authentication system and method which checks the authenticity of a device before transmitting authentication data to the device
US530076427 Jan 19925 Apr 1994Nhk Spring Company, Ltd.Transparent optical identification label with infrared directivity
US530478915 Oct 199119 Apr 1994Gesellschaft Fur Automation Und Organisation Mbh(Gao)Multilayer card-shaped data carrier and method for producing same
US530812130 Jul 19923 May 1994Gunn Robert TCredit/service card with expanded surface area
US531167924 Nov 199217 May 1994Birch Sr John AShoe pocket
US532175118 Feb 199314 Jun 1994Eastman Kodak CompanyMethod and apparatus for credit card verification
US532696410 Mar 19935 Jul 1994Risser J MarlinSeparable multi-account safety credit card
US535105228 Jun 199327 Sep 1994Texas Instruments IncorporatedTransponder systems for automatic identification purposes
US535114216 Apr 199327 Sep 1994Crown Roll Leaf, Inc.Semi-transparent reflective layer for a phase hologram
US535541114 Aug 199111 Oct 1994Macdonald John LDocument security system
US535952211 May 199325 Oct 1994Ryan Michael CFluid delivery control apparatus
US536555115 Dec 199215 Nov 1994Micron Technology, Inc.Data communication transceiver using identification protocol
US538368712 Feb 199324 Jan 1995Leonhard Kurz Gmbh & Co.Value document and embossing foil for the production thereof
US539788122 Nov 199314 Mar 1995Mannik; Kallis H.Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner
US541014210 Mar 199325 Apr 1995Omron CorporationOptical card with printing visible below the optical recording
US541219220 Jul 19932 May 1995American Express CompanyRadio frequency activated charge card
US543818426 Oct 19931 Aug 1995Verifone Inc.Method and apparatus for electronic cash transactions
US545360115 Nov 199126 Sep 1995Citibank, N.A.Electronic-monetary system
US54612178 Feb 199424 Oct 1995At&T Ipm Corp.Secure money transfer techniques using smart cards
US546121918 Dec 199124 Oct 1995Texas Instruments IncorporatedApparatus and method for automated printing, reading, and dividing of information-carrying documents
US547703825 Oct 199319 Dec 1995Visa InternationalMethod and apparatus for distributing currency
US547704023 May 199419 Dec 1995Lalonde; Michael G.Structure for a method of facilitating charge transactions
US547862921 Jan 199426 Dec 1995Gencorp Inc.Polymeric sheets and laminas having high flexural durability
US54794945 Oct 199226 Dec 1995At&T Corp.Virtual calling card system
US547953030 Jun 199326 Dec 1995Microbilt CorporationSignature capturing printer and data card terminal
US550051311 May 199419 Mar 1996Visa InternationalAutomated purchasing control system
US550343412 Aug 19942 Apr 1996Gunn; Robert T.Credit/service card with expanded surface area
US550639522 Jun 19949 Apr 1996William C. EppleyMulti-access card and card holder with a plurality of machine readable service access codes placed thereon
US55132725 Dec 199430 Apr 1996Wizards, LlcSystem for verifying use of a credit/identification card including recording of physical attributes of unauthorized users
US551352514 Jun 19947 May 1996Texas Instruments IncorporatedArrangement for monitoring the operating state of vehicle pneumatic tires mounted on wheel rims
US55148603 Oct 19947 May 1996Pitney Bowes Inc.Document authentication system utilizing a transparent label
US551615321 Feb 199514 May 1996Gao Gesellschaft Fur Automation Und Organisation MbhSecurity document and a method for producing it
US551881030 Jun 199421 May 1996Mitsubishi Materials CorporationInfrared ray cutoff material and infrared cutoff powder use for same
US552023016 Aug 199428 May 1996Sumner, Iii; YanceyPocket card holder with money clip
US552196614 Dec 199328 May 1996At&T Corp.Method and system for mediating transactions that use portable smart cards
US55282229 Sep 199418 Jun 1996International Business Machines CorporationRadio frequency circuit and memory in thin flexible package
US553365627 Sep 19949 Jul 1996Bonaldi; Jeffrey P.Combination wallet with removeable clip
US553485710 Nov 19929 Jul 1996Security Domain Pty. Ltd.Method and system for secure, decentralized personalization of smart cards
US553731423 Feb 199516 Jul 1996First Marketrust Intl.Referral recognition system for an incentive award program
US553982521 Nov 199423 Jul 1996Fujitsu LimitedElectronic cashless transaction system
US554158213 Jan 199430 Jul 1996Datascape, Inc.Apparatus for data communication switching
US554424617 Sep 19936 Aug 1996At&T Corp.Smartcard adapted for a plurality of service providers and for remote installation of same
US55482917 Jun 199520 Aug 1996Texas Instruments Deutschland GmbhRead/write transponder arrangement and method of communication
US555587716 Apr 199317 Sep 1996George S. LockwoodCover for pond used to collect solar radiation
US55595047 Jan 199424 Sep 1996Kabushiki Kaisha ToshibaSurface shape sensor, identification device using this sensor, and protected system using this device
US555988730 Sep 199424 Sep 1996Electronic Payment ServiceCollection of value from stored value systems
US556989719 Jan 199529 Oct 1996Nippon Shinpan Co., Ltd.Credit card system and method of issuing credit card using such a system
US557281515 Jan 199312 Nov 1996Kovner; SpencerBusiness card holder
US557509419 Oct 199319 Nov 1996Leake; Michael J.Greeting card and picture frame combination
US55771201 May 199519 Nov 1996Lucent Technologies Inc.Method and apparatus for restrospectively identifying an individual who had engaged in a commercial or retail transaction or the like
US55771219 Jun 199419 Nov 1996Electronic Payment Services, Inc.Transaction system for integrated circuit cards
US55776097 Jun 199526 Nov 1996Cui, Inc.Two-part articles, including hinged articles
US557880828 Feb 199526 Nov 1996Datamark Services, Inc.Data card that can be used for transactions involving separate card issuers
US55857872 May 199417 Dec 1996Wallerstein; Robert S.Programmable credit card
US559003820 Jun 199431 Dec 1996Pitroda; Satyan G.Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
US55901974 Apr 199531 Dec 1996V-One CorporationElectronic payment system and method
US55927675 Dec 199414 Jan 1997Treske; DieterHolder for identification cards
US559422728 Mar 199514 Jan 1997Microsoft CorporationSystem and method for protecting unauthorized access to data contents
US560291822 Dec 199511 Feb 1997Virtual Open Network Environment Corp.Application level security system and method
US56048013 Feb 199518 Feb 1997International Business Machines CorporationPublic key data communications system under control of a portable security device
US56082033 Jan 19964 Mar 1997Finkelstein; AlanCredit card with magnifying lens
US561196528 Aug 199518 Mar 1997Kureha Kagaku Kogyo Kabushiki KaishaPlastic optical filter
US561300116 Jan 199618 Mar 1997Bakhoum; Ezzat G.Digital signature verification technology for smart credit card and internet applications
US561313129 Jan 199318 Mar 1997Microsoft CorporationAuto-formatting of tables in a spreadsheet program
US56147037 Sep 199525 Mar 1997Martin; Jay R.Hotel check-in system with wireless communication
US56211993 Apr 199515 Apr 1997Datalogic, Inc.RFID reader
US564105017 Jan 199524 Jun 1997Verifone, Inc.Dispensing machine with data card scanner apparatus and enhanced features
US564911827 May 199415 Jul 1997Lucent Technologies Inc.Smart card with multiple charge accounts and product item tables designating the account to debit
US56654397 Dec 19939 Sep 1997E. Khashoggi IndustriesArticles of manufacture fashioned from hydraulically settable sheets
US566887624 Jun 199416 Sep 1997Telefonaktiebolaget Lm EricssonUser authentication method and apparatus
US56779537 Jun 199514 Oct 1997Spyrus, Inc.System and method for access control for portable data storage media
US568910021 Mar 199618 Nov 1997Martiz, Inc.Debit card system and method for implementing incentive award program
US569459625 May 19952 Dec 1997Kangaroo, Inc.On-line database updating network system and method
US569764911 May 199516 Dec 1997Crane & Co., Inc.Articles employing a magnetic security feature
US570003716 Jan 199623 Dec 1997Keller; John A.Security improved card
US570510118 Dec 19956 Jan 1998Mitsui Toatsu Chemicals, Inc.Near infrared absorber, preparation process therefor and use thereof
US57058529 Apr 19966 Jan 1998Sony Chemicals Corp.Non-contact IC card and process for its production
US571042125 Mar 199620 Jan 1998Tokai-Rika-Denki-Seisakusho Kabushiki KaishaIC card
US571539930 May 19953 Feb 1998Amazon.Com, Inc.Secure method and system for communicating a list of credit card numbers over a non-secure network
US572050016 Jan 199624 Feb 1998Dai Nippon Printing Co., Ltd.Plastic card provided with magnetic stripe
US572442429 Nov 19953 Mar 1998Open Market, Inc.Digital active advertising
US572509817 Oct 199410 Mar 1998Kurz Kunststoffe GmbhPortable, folding receptacle or box wallet form made from a plastic material
US572714027 Jan 199310 Mar 1998Fujitsu LimitedCharacter generating method and apparatus
US572769627 Aug 199617 Mar 1998Southern Imperial, Inc.Business card display holder
US57348387 Jun 199531 Mar 1998American Savings Bank, F.A.Database computer architecture for managing an incentive award program and checking float of funds at time of purchase
US573743929 Oct 19967 Apr 1998Smarttouch, Llc.Anti-fraud biometric scanner that accurately detects blood flow
US573951230 May 199614 Apr 1998Sun Microsystems, Inc.Digital delivery of receipts
US574275612 Feb 199621 Apr 1998Microsoft CorporationSystem and method of using smart cards to perform security-critical operations requiring user authorization
US574284522 Jun 199521 Apr 1998Datascape, Inc.System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network
US574557130 Mar 199328 Apr 1998Telstra Corporation LimitedCryptographic communications method and system
US57579171 Nov 199526 May 1998First Virtual Holdings IncorporatedComputerized payment system for purchasing goods and services on the internet
US576478927 Sep 19969 Jun 1998Smarttouch, LlcTokenless biometric ATM access system
US576838529 Aug 199516 Jun 1998Microsoft CorporationUntraceable electronic cash
US57694577 Jun 199523 Jun 1998Vanguard Identification Systems, Inc.Printed sheet mailers and methods of making
US57708432 Jul 199623 Jun 1998Ncr CorporationAccess card for multiple accounts
US57738128 Aug 199630 Jun 1998Angewandte Digital Elektronik GmbhChip card capable of both contact and contactless operation including a contact block
US577806910 Apr 19967 Jul 1998Microsoft CorporationNon-biased pseudo random number generator
US577817312 Jun 19967 Jul 1998At&T Corp.Mechanism for enabling secure electronic transactions on the open internet
US57865875 Aug 199628 Jul 1998American Bank Note Holographics, Inc.Enhancement of chip card security
US578973320 Sep 19964 Aug 1998Motorola, Inc.Smart card with contactless optical interface
US579147415 Oct 199611 Aug 1998Display Pack, Inc.Wallet card package
US579683131 May 199518 Aug 1998GemplusMethod for conducting a transaction between a chip card and an information system
US579908721 Apr 199525 Aug 1998Citibank, N.A.Electronic-monetary system
US58060458 Jul 19968 Sep 1998Cardone Development CompanyMethod and system for allocating and redeeming incentive credits between a portable device and a base device
US580875826 Dec 199515 Sep 1998Geisecke & Devrient, GmbhData carrier with an optically variable element
US581525221 Nov 199529 Sep 1998Canon Kabushiki KaishaBiometric identification process and system utilizing multiple parameters scans for reduction of false negatives
US581565726 Apr 199629 Sep 1998Verifone, Inc.System, method and article of manufacture for network electronic authorization utilizing an authorization instrument
US582335930 May 199620 Oct 1998Sterling Plastics Co.Desktop vertical file assembly
US582624116 Sep 199420 Oct 1998First Virtual Holdings IncorporatedComputerized system for making payments and authenticating transactions over the internet
US582624227 Aug 199720 Oct 1998Netscape Communications CorporationMethod of on-line shopping utilizing persistent client state in a hypertext transfer protocol based client-server system
US58262433 Jan 199420 Oct 1998Merrill Lynch & Co., Inc.Integrated system for controlling master account and nested subaccount(s)
US583825724 May 199617 Nov 1998Trw Inc.Keyless vehicle entry system employing portable transceiver having low power consumption
US583872023 Feb 199617 Nov 1998Teletransactions, Inc.Transceiver control with sleep mode operation
US583881225 Jul 199617 Nov 1998Smarttouch, LlcTokenless biometric transaction authorization system
US585281223 Aug 199522 Dec 1998Microsoft CorporationBilling system for a network
US585604826 Jul 19935 Jan 1999Dai Nippon Printing Co., Ltd.Information-recorded media and methods for reading the information
US585707923 Dec 19945 Jan 1999Lucent Technologies Inc.Smart card for automatic financial records
US58571521 Feb 19955 Jan 1999Mondex International LimitedElectronic toll payment
US585770924 Feb 199712 Jan 1999Chock; Ernest P.Anticounterfeit documentation with see-through and write-able hologram
US585941928 Sep 199512 Jan 1999Sol H. WynnProgrammable multiple company credit card system
US585958726 Sep 199612 Jan 1999Sensormatic Electronics CorporationData communication and electronic article surveillance tag
US586232527 Sep 199619 Jan 1999Intermind CorporationComputer-based communication system and method using metadata defining a control structure
US586430617 Jan 199726 Jan 1999Raytheon CompanyDetection regions for transponder tracking
US586483013 Feb 199726 Jan 1999Armetta; DavidData processing method of configuring and monitoring a satellite spending card linked to a host credit card
US586547025 Mar 19962 Feb 1999Thompson; KennethPeel off coupon redemption card with microprocessor chip and tracking system
US58698224 Oct 19969 Feb 1999Meadows, Ii; Dexter L.Automated fingerprint identification system
US587543215 Feb 199723 Feb 1999Sehr; Richard PeterComputerized voting information system having predefined content and voting templates
US587813812 Feb 19962 Mar 1999Microsoft CorporationSystem and method for detecting fraudulent expenditure of electronic assets
US587814125 Aug 19952 Mar 1999Microsoft CorporationComputerized purchasing system and method for mediating purchase transactions over an interactive network
US587833712 Jun 19972 Mar 1999Joao; Raymond AnthonyTransaction security apparatus and method
US588337720 Nov 199516 Mar 1999International Card Technologies, Inc.Multiple magnetic stripe transaction cards and systems for the utilization thereof
US588381024 Sep 199716 Mar 1999Microsoft CorporationElectronic online commerce card with transactionproxy number for online transactions
US58842716 Sep 199616 Mar 1999Pitroda; Satyan G.Device, system and methods of conducting paperless transactions
US588428019 Mar 199616 Mar 1999Fujitsu LimitedSystem for and method of distributing proceeds from contents
US58842926 May 199316 Mar 1999Pitney Bowes Inc.System for smart card funds refill
US588431014 Jun 199616 Mar 1999Electronic Data Systems CorporationDistributed data integration method and system
US588633313 Jan 199723 Mar 1999Miyake; SusumuMethod for electronically transferring personal information on credit gaining card, and mini IC card, adapter card, terminal adapter, slip issuing device, portable used therein
US588994122 Nov 199630 Mar 1999Ubiq Inc.System and apparatus for smart card personalization
US58922111 May 19976 Apr 1999Electronic Payment Services, Inc.Transaction system comprising a first transportable integrated circuit device, a terminal, and a security device
US589762216 Oct 199627 Apr 1999Microsoft CorporationElectronic shopping and merchandising system
US589883830 Sep 199727 Apr 1999Datascape, Inc.Editor for developing statements to support i/o operation on open network using segregator for segregating protocol statements from application statements upon verification of correspondence
US59009547 Jun 19954 May 1999Symbol Technologies, Inc.Machine readable record carrier with hologram
US59012391 Aug 19964 May 1999Nec CorporationSkin pattern and fingerprint classification system
US59038756 Dec 199611 May 1999A.P.M. Co., Ltd.Method of issuing a service ticket in transactions of commodities by making use of communication
US590388019 Jul 199611 May 1999Biffar; Peter C.Self-contained payment system with circulating digital vouchers
US590590819 Dec 199718 May 1999Datascape, Inc.Open network system for I/O operations with non-standard I/O devices utilizing extended protocol including device identifier and identifier for operation to be performed with device
US590762023 Aug 199625 May 1999Cheyenne Property TrustMethod and apparatus for enforcing the use of cryptography in an international cryptography framework
US590949218 Jun 19971 Jun 1999Open Market, IncorporatedNetwork sales system
US591244612 Sep 199615 Jun 1999International Verifact Inc.Card reader with carriage powered by movement of inserted card
US59132033 Oct 199615 Jun 1999Jaesent Inc.System and method for pseudo cash transactions
US591447223 Sep 199722 Jun 1999At&T CorpCredit card spending authorization control system
US591501618 Dec 199622 Jun 1999Alcatel Mobile PhonesIdentity card reader device
US59150236 Jan 199722 Jun 1999Bernstein; RobertAutomatic portable account controller for remotely arranging for transfer of value to a recipient
US591597311 Mar 199729 Jun 1999Sylvan Learning Systems, Inc.System for administration of remotely-proctored, secure examinations and methods therefor
US59171682 Jun 199429 Jun 1999Hewlett-Packard CompanySystem and method for revaluation of stored tokens in IC cards
US59179134 Dec 199629 Jun 1999Wang; Ynjiun PaulPortable electronic authorization devices and methods therefor
US591792514 Aug 199729 Jun 1999Moore; Lewis J.System for dispensing, verifying and tracking postage and other information on mailpieces
US591821622 Aug 199629 Jun 1999Microsoft CorporationAutomatic recognition of periods for financial transactions
US592005823 Oct 19966 Jul 1999Weber; David C.Holographic labeling and reading machine for authentication and security applications
US592062919 Dec 19976 Jul 1999Citibank, N.A.Electronic-monetary system
US59208477 Oct 19966 Jul 1999Visa International Service AssociationElectronic bill pay system
US592373425 Nov 199713 Jul 1999American Express TrsMethods and apparatus for providing a prepaid, remote memory transaction account with voice indicia
US592388430 Aug 199613 Jul 1999Gemplus S.C.A.System and method for loading applications onto a smart card
US592408028 May 199613 Jul 1999Incredicard LlcComputerized discount redemption system
US59246242 Dec 199720 Jul 1999Crane Productions, Inc.Magnetic pocket frame
US592878817 Oct 199527 Jul 1999Giesecke & Devrient GmbhData carrier with layers of modified PET
US593076728 May 199727 Jul 1999Motorola, Inc.Transaction methods systems and devices
US593077723 May 199727 Jul 1999Barber; Timothy P.Method of charging for pay-per-access information over a network
US593287011 Mar 19963 Aug 1999Pitney Bowes Inc.Documents containing a magnetic strip with a bar code affixed thereto
US593332828 Jul 19983 Aug 1999Sandisk CorporationCompact mechanism for removable insertion of multiple integrated circuit cards into portable and other electronic devices
US593622620 May 199710 Aug 1999Intel CorporationMass storage device adapter for smart cards
US593622721 Feb 199710 Aug 1999Orga Kartensysteme GmbhPlastics card comprising a mini-smart-card which can be separated therefrom
US59380105 Sep 199717 Aug 1999Osterbye; DonMulti-purpose holder device
US59427617 Jun 199524 Aug 1999Tuli; Raja SinghEnhancement methods and devices for reading a fingerprint image
US594565326 Jun 199731 Aug 1999Walker Asset Management Limited PartnershipSystem and method for establishing and executing functions to affect credit card accounts and transactions
US594904413 Jun 19977 Sep 1999Walker Asset Management Limited PartnershipMethod and apparatus for funds and credit line transfers
US594933514 Apr 19987 Sep 1999Sensormatic Electronics CorporationRFID tagging system for network assets
US59498768 Jan 19977 Sep 1999Intertrust Technologies CorporationSystems and methods for secure transaction management and electronic rights protection
US595017425 Apr 19977 Sep 1999At&T Corp.Affiliation-based arrangement for billing
US59501793 Dec 19967 Sep 1999Providian Financial CorporationMethod and system for issuing a secured credit card
US59537109 Oct 199614 Sep 1999Fleming; Stephen S.Children's credit or debit card system
US595595124 Apr 199821 Sep 1999Sensormatic Electronics CorporationCombined article surveillance and product identification system
US595669319 Jul 199621 Sep 1999Geerlings; HuibComputer system for merchant communication to customers
US595669917 Nov 199721 Sep 1999Jaesent Inc.System for secured credit card transactions on the internet
US595800428 Oct 199728 Sep 1999Microsoft CorporationDisabling and enabling transaction committal in transactional application components
US596041112 Sep 199728 Sep 1999Amazon.Com, Inc.Method and system for placing a purchase order via a communications network
US59604169 Dec 199728 Sep 1999Block; Robert S.Real time subscriber billing at a subscriber location in an unstructured communication network
US596391521 Feb 19965 Oct 1999Infoseek CorporationSecure, convenient and efficient system and method of performing trans-internet purchase transactions
US596669730 Oct 199712 Oct 1999Clearcommerce CorporationSystem and method for secure transaction order management processing
US59685704 Apr 199719 Oct 1999Paulucci; Jeno F.Folded pastry product
US596931824 Nov 199719 Oct 1999Mackenthun; HolgerGateway apparatus for designing and issuing multiple application cards
US59704708 Jul 199719 Oct 1999Walker Asset Management Limited PartnershipSystem and method for establishing and managing subscription purchase agreements including commitments to purchase goods over time at agreed upon prices
US597047122 Mar 199619 Oct 1999Charles E. Hill & Associates, Inc.Virtual catalog and product presentation method and apparatus
US597047213 May 199719 Oct 1999Fogdog SportsPerforming 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
US597047331 Dec 199719 Oct 1999At&T Corp.Video communication device providing in-home catalog services
US597047510 Oct 199719 Oct 1999Intelisys Electronic Commerce, LlcElectronic procurement system and method for trading partners
US59712767 Feb 199726 Oct 1999Kabushiki Kaisha ToshibaMethod of reading pattern and optical signal reader
US59734754 Sep 199826 Oct 1999Ic-Tv Interactive Cyber Television Inc.Remote smart battery
US59742387 Aug 199626 Oct 1999Compaq Computer CorporationAutomatic data synchronization between a handheld and a host computer using pseudo cache including tags and logical data elements
US597834818 Dec 19962 Nov 1999Canon Kabushiki KaishaOptical recording medium and process for production thereof
US597975720 Dec 19969 Nov 1999Symbol Technologies, Inc.Method and system for presenting item information using a portable data terminal
US597994228 Feb 19969 Nov 1999Ivicic; Zivko G.Mechanical greeting card
US598229314 May 19969 Nov 1999Mondex International LimitedTransaction recovery in a value transfer system
US59832006 Oct 19979 Nov 1999Slotznick; BenjaminIntelligent agent for executing delegated tasks
US598320726 Aug 19979 Nov 1999Turk; James J.Electronic cash eliminating payment risk
US59841806 Oct 199716 Nov 1999Albrecht; Jerry L.Method and system for gift credit card
US598849730 May 199623 Nov 1999Mci Communications CorporationMethod for authenticating credit transactions to prevent fraudulent charges
US598851013 Feb 199723 Nov 1999Micron Communications, Inc.Tamper resistant smart card and method of protecting data in a smart card
US599141312 Jun 199723 Nov 1999France TelecomProcess for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number
US59917486 Dec 199623 Nov 1999American Express Travel Related Services Company, Inc.Methods and apparatus for regenerating a prepaid transaction account
US599501430 Dec 199730 Nov 1999Accu-Time Systems, Inc.Biometric interface device for upgrading existing access control units
US599991416 Oct 19967 Dec 1999Microsoft CorporationElectronic promotion system for an electronic merchant system
US600083224 Sep 199714 Dec 1999Microsoft CorporationElectronic online commerce card with customer generated transaction proxy number for online transactions
US600698815 Jul 199728 Dec 1999Behrmann; Bry E.Non-cash media card and process of dispensing from automated teller
US600941225 Jun 199828 Dec 1999Netcentives, Inc.Fully integrated on-line interactive frequency and award redemption program
US601148717 Sep 19964 Jan 2000Ncr CorporationSystem and method of locating wireless devices
US601214330 Oct 19964 Jan 2000Fujitsu LimitedMethod for managing security for card-type storage medium and a transaction apparatus therefor
US601263622 Apr 199711 Jan 2000Smith; Frank E.Multiple card data system having first and second memory elements including magnetic strip and fingerprints scanning means
US60146344 Aug 199711 Jan 2000Supermarkets Online, Inc.System and method for providing shopping aids and incentives to customers through a computer network
US60146358 Dec 199711 Jan 2000Shc Direct, Inc.System and method for providing a discount credit transaction network
US60146366 May 199711 Jan 2000Lucent Technologies Inc.Point of sale method and system
US60146465 Jun 199611 Jan 2000France TelecomProcess for making a payment using an account manager
US601464816 Sep 199711 Jan 2000Sherry BrennanElectronic card valet
US601465019 Aug 199711 Jan 2000Zampese; DavidPurchase management system and method
US601474824 Aug 199811 Jan 2000Ubiq IncorporatedSystem and apparatus for smart card personalization
US601647616 Jan 199818 Jan 2000International Business Machines CorporationPortable information and transaction processing system and method utilizing biometric authorization and digital certificate security
US601648211 Jan 199618 Jan 2000Merrill Lynch & Co., Inc.Enhanced collateralized funding processor
US601648426 Apr 199618 Jan 2000Verifone, Inc.System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment
US601871828 Aug 199725 Jan 2000Walker Asset Management Limited PartnershipMethod and system for processing customized reward offers
US602194327 Aug 19978 Feb 2000Chastain; Robert H.Process for executing payment transactions
US602351024 Dec 19978 Feb 2000Philips Electronics North America CorporationMethod of secure anonymous query by electronic messages transported via a public network and method of response
US602428621 Oct 199715 Feb 2000At&T CorpSmart card providing a plurality of independently accessible accounts
US60243857 Oct 199715 Feb 2000Goda; YukioInformational device
US60252835 Dec 199615 Feb 2000The Real Gold Card Company LimitedCharge card
US602702822 Jul 199722 Feb 2000Koninklijke Kpn N.V.Connector formed as a sleeve pushed over a standard chip card
US602914714 Mar 199722 Feb 2000Microsoft CorporationMethod and system for providing an interface for supporting multiple formats for on-line banking services
US60291504 Oct 199622 Feb 2000Certco, LlcPayment and transactions in electronic commerce system
US60291757 Jun 199622 Feb 2000Teknowledge CorporationAutomatic retrieval of changed files by a network software agent
US602989022 Jun 199829 Feb 2000Austin; FrankUser-Specified credit card system
US602989217 Nov 199829 Feb 2000Miyake; SusumuMethod for electronically transferring personal information on credit gaining card, and mini IC card, adapter card, terminal adapter, slip issuing device, portable terminal used therein
US603213617 Nov 199829 Feb 2000First Usa Bank, N.A.Customer activated multi-value (CAM) card
US603286610 Sep 19977 Mar 2000Motorola, Inc.Foldable apparatus having an interface
US60361008 Oct 199714 Mar 2000Mitsubishi Denki Kabushiki KaishaNoncontact IC card
US60382927 Nov 199714 Mar 2000American Express Travel Related Services Company, Inc.Methods and apparatus for language registration of prepaid, remote entry customer account
US603855111 Mar 199614 Mar 2000Microsoft CorporationSystem and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer
US60413084 Dec 199821 Mar 2000Priceline.Com IncorporatedSystem and method for motivating submission of conditional purchase offers
US604141022 Dec 199721 Mar 2000Trw Inc.Personal identification fob
US604141214 Nov 199721 Mar 2000Tl Technology Rerearch (M) Sdn. Bhd.Apparatus and method for providing access to secured data or area
US604436016 Jun 199728 Mar 2000Picciallo; Michael J.Third party credit card
US604438815 May 199728 Mar 2000International Business Machine CorporationPseudorandom number generator
US60504944 Jun 199818 Apr 2000Samsung Display Devices Co., Ltd.Smart card
US605060518 Oct 199418 Apr 2000Mikelionis; Raymond J.Wallet card with sleeve adapted for receipt of elongated functional member
US605841818 Feb 19972 May 2000E-Parcel, LlcMarketing data delivery system
US606081518 Aug 19979 May 2000X-Cyte, Inc.Frequency mixing passive transponder
US606134419 Feb 19989 May 2000Micron Technology, Inc.Method of addressing messages and communications system
US606178912 Jan 19969 May 2000International Business Machines CorporationSecure anonymous information exchange in a network
US60647518 Jul 199816 May 2000Penop LimitedDocument and signature data capture system and method
US606498117 Jun 199916 May 2000Barni; Neil A.Method for online display and negotiation of cargo rates
US606567529 Jun 199823 May 2000Cardis Enterprise International N.V.Processing system and method for a heterogeneous electronic cash environment
US606818427 Apr 199830 May 2000Barnett; Donald A.Security card and system for use thereof
US606819330 Jan 199630 May 2000Angewandte Digital Elektronik GmbhProcess for exchanging energy and data between a read/write terminal and a chip card with contactless connections and/or contact connections as well as a device for this purpose
US607015018 Oct 199630 May 2000Microsoft CorporationElectronic bill presentment and payment system
US607015427 Nov 199830 May 2000Activepoint Ltd.Internet credit card security
US607311212 Jul 19996 Jun 2000Geerlings; HuibComputer system for merchant communication to customers
US607323620 Jun 19976 Jun 2000Sony CorporationAuthentication method, communication method, and information processing apparatus
US607607814 Feb 199713 Jun 2000Carnegie Mellon UniversityAnonymous certified delivery
US607629620 Nov 199820 Jun 2000Schaeffer; RobertCombined holder and handle for machine readable entry card
US607890616 Oct 199820 Jun 2000Xerox CorporationMethod and system for providing a document service over a computer network using an automated brokered auction
US607890822 Apr 199820 Jun 2000Schmitz; KimMethod for authorizing in data transmission systems
US608179020 Mar 199827 Jun 2000Citibank, N.A.System and method for secure presentment and payment over open networks
US608242230 May 19984 Jul 2000Storus Corp.Money clip and card holder
US608496729 Oct 19974 Jul 2000Motorola, Inc.Radio telecommunication device and method of authenticating a user with a voice authentication token
US608597622 May 199811 Jul 2000Sehr; Richard P.Travel system and methods utilizing multi-application passenger cards
US608697124 Nov 199711 Jul 2000Temtec, Inc.Identification card strip and ribbon assembly
US608868321 Aug 199611 Jul 2000Jalili; RezaSecure purchase transaction method using telephone number
US608871731 Aug 199811 Jul 2000Onename CorporationComputer-based communication system and method using metadata defining a control-structure
US608875521 May 199811 Jul 2000Sony CorporationExternal storage apparatus which can be connected to a plurality of electronic devices having different types of built-in interface without using a conversion adapter
US608879721 Aug 199811 Jul 2000Rosen; Sholom S.Tamper-proof electronic processing device
US608961119 Feb 199718 Jul 2000Arthur Blank & Co., Inc.Card with identifying feature and removable element
US609183517 Feb 199818 Jul 2000Penop LimitedMethod and system for transcribing electronic affirmations
US609219825 Feb 199718 Jul 2000International Business Machines CorporationSystem and method for enabling and controlling anonymous file transfer protocol communications
US609541317 Nov 19971 Aug 2000Automated Transaction CorporationSystem and method for enhanced fraud detection in automated electronic credit card processing
US609556725 Jun 19981 Aug 2000Buell; RobertKey locator
US609805326 Jan 19991 Aug 2000Citibank, N.A.System and method for performing an electronic financial transaction
US609887917 Feb 19988 Aug 2000Gilbarco, Inc.Fuel dispensing system providing customer preferences
US60990438 Aug 19978 Aug 2000Story; Gerald A.Coupon catalogue apparatus
US610080429 Oct 19988 Aug 2000Intecmec Ip Corp.Radio frequency identification system
US610147723 Jan 19988 Aug 2000American Express Travel Related Services Company, Inc.Methods and apparatus for a travel-related multi-function smartcard
US610428112 Nov 199815 Aug 2000Intermec Ip, Corp.Radio frequency identification transponder with electronic circuit enabling/disabling capability
US610431126 Aug 199615 Aug 2000Addison TechnologiesInformation storage and identification tag
US61049222 Mar 199815 Aug 2000Motorola, Inc.User authentication in a communication system utilizing biometric information
US61079209 Jun 199822 Aug 2000Motorola, Inc.Radio frequency identification tag having an article integrated antenna
US610864114 Oct 199822 Aug 2000Merrill Lynch, Pierce, Fenner & SmithIntegrated nested account financial system with medical savings subaccount
US611219127 Apr 199529 Aug 2000Every Penny Counts, Inc.Method and system to create and distribute excess funds from consumer spending transactions
US611298412 Jun 19995 Sep 2000Snavely; John D.Electronic wallet or purse with means for funds transfer
US611504024 Sep 19985 Sep 2000Mci Communications CorporationGraphical user interface for Web enabled applications
US611545814 Jul 19955 Sep 2000American Express Travel Related Services Company, Inc.Method and apparatus for summaries of prepaid instrument transaction activity
US611665522 Dec 199812 Sep 2000Thouin; Mark E.Frangible card with a sealed compartment
US611673623 Apr 199912 Sep 2000Neuroptics, Inc.Pupilometer with pupil irregularity detection capability
US61204619 Aug 199919 Sep 2000The United States Of America As Represented By The Secretary Of The ArmyApparatus for tracking the human eye with a retinal scanning display, and method thereof
US612262518 Feb 199819 Sep 2000Citibank, N.A.Apparatus and method for secure transacting
US612535213 Nov 199626 Sep 2000Microsoft CorporationSystem and method for conducting commerce over a distributed network
US612860418 Sep 19973 Oct 2000Dai Nippon Printing Co., Ltd.Card holder
US613062331 Dec 199610 Oct 2000Lucent Technologies Inc.Encryption for modulated backscatter systems
US61389135 Nov 199731 Oct 2000Isotag Technology, Inc.Security document and method using invisible coded markings
US613891720 May 199831 Oct 2000International Card TechnologyMultiple magnetic stripe transaction cards and systems for the utilization thereof
US61417525 May 199831 Oct 2000Liberate TechnologiesMechanism for facilitating secure storage and retrieval of information on a smart card by an internet service provider using various network computer client devices
US61449162 Jan 19967 Nov 2000Micron Communications, Inc.Itinerary monitoring system for storing a plurality of itinerary data points
US614494823 Jun 19977 Nov 2000Walker Digital, LlcInstant credit card marketing system for reservations for future services
US614809318 Sep 199714 Nov 2000Mcconnell; Gary A.Methods and device for validating a personal signature
US614848413 Sep 199921 Nov 2000Andreae, Jr.; Fred N.Clip for retaining a golf score card, and optionally providing advertisement, in passenger-carrying golf carts
US61548795 Feb 199928 Nov 2000Smarttouch, Inc.Tokenless biometric ATM access system
US615516820 Dec 19995 Dec 2000Alps Electric Co., Ltd.Information recording medium and information recording method suitable for security purposes
US61578242 Mar 19985 Dec 2000Bailey; Kenneth S.Virtual credit card access device for mobile communications equipment
US616377128 Aug 199719 Dec 2000Walker Digital, LlcMethod and device for generating a single-use financial account number
US61680835 Dec 19962 Jan 2001U.S. Philips CorporationChip-card with mode switching between contactless and contact-coupled mode
US617113828 Jan 20009 Jan 2001Motorola, Inc.Electrical connector for removable components
US61732697 Apr 19999 Jan 2001Zowi.Com, IncMethod and apparatus for executing electronic commercial transactions with minors
US617327227 Apr 19989 Jan 2001The Clearing House Service Company L.L.C.Electronic funds transfer method and system and bill presentment method and system
US617389727 Jul 199816 Jan 2001John W. HalpernUniversal card interface module for contact free cards
US617389811 May 199916 Jan 2001Schlumberger SystemesMemory card of the contactless type
US61738993 Apr 199816 Jan 2001Alexander RozinMethod and system for contactless energy transmission and data exchange between a terminal and IC card
US617785921 Oct 199723 Jan 2001Micron Technology, Inc.Radio frequency communication apparatus and methods of forming a radio frequency communication apparatus
US61812873 Mar 199830 Jan 2001Precision Dynamics CorporationReactively coupled elements in circuits on flexible substrates
US618289514 Oct 19996 Feb 2001Jerry L. AlbrechtMethod and system for gift credit card
US61847883 Dec 19996 Feb 2001Raymond Bradley MiddlemissElectronic missing card alert case
US618530713 Jan 19986 Feb 2001Gilbarco Inc.Cryptography security for remote dispenser transactions
US61897798 Sep 199920 Feb 2001Richard VerdicchioLatching mechanism
US618978727 Oct 199920 Feb 2001Robert E. DorfMultifunctional card system
US619500627 Aug 199927 Feb 2001Checkpoint Systems Inc.Inventory system using articles with RFID tags
US619646531 Jan 19976 Mar 2001Tokyo Mechatoronics Co., Ltd.Capacitive data card and reader thereof
US61973961 Feb 19996 Mar 2001Temtec, Inc.Identification card strip assembly
US619876226 Sep 19966 Mar 2001Yuri KrasnovSupersonic and subsonic laser with RF discharge excitation
US619907920 Mar 19986 Mar 2001Junglee CorporationMethod and system for automatically filling forms in an integrated network based transaction environment
US61997626 May 199813 Mar 2001American Express Travel Related Services Co., Inc.Methods and apparatus for dynamic smartcard synchronization and personalization
US62002728 Jun 199913 Mar 2001Curative Health Services, Inc.Folding card device for evaluating protective sensation
US621339013 Sep 199610 Apr 2001Fujitsu LimitedTransaction method of electronic money system
US621339110 Sep 199710 Apr 2001William H. LewisPortable system for personal identification based upon distinctive characteristics of the user
US621963928 Apr 199817 Apr 2001International Business Machines CorporationMethod and apparatus for recognizing identity of individuals employing synchronized biometrics
US622051023 Apr 199824 Apr 2001Mondex International LimitedMulti-application IC card with delegation feature
US62229142 Sep 199824 Apr 2001Mcmullin John L.System and method for administration of an incentive award system having a delayed award payment using a credit instrument
US62239773 Jun 19991 May 2001Westvaco CorporationEasy open envelope
US62241097 Aug 19991 May 2001James Yung Chien YangCredit card with driver's license or identification
US62274249 Feb 20008 May 2001Roegner DeannaSecurity purse
US622744710 May 19998 May 2001First Usa Bank, NaCardless payment system
US623334823 Mar 199815 May 2001Fujitsu LimitedFingerprint registering apparatus, fingerprint identifying apparatus, and fingerprint identifying method
US624098914 Jul 19985 Jun 2001Mahmoud MasoudBusiness card holder and dispenser
US624703015 Jul 199812 Jun 2001Fuji Xerox Co., Ltd.Table editing apparatus
US624819926 Apr 199919 Jun 2001Soundcraft, Inc.Method for the continuous fabrication of access control and identification cards with embedded electronics or other elements
US62483142 Jul 199919 Jun 2001Kao CorporationHair dye composition having a particular buffer capacity and containing an alkylene carbonate
US625055414 Jun 199926 Jun 2001Agfa-GevaertChip card comprising an imaged-receiving layer
US625055725 Aug 199826 Jun 2001Telefonaktiebolaget Lm Ericsson (Publ)Methods and arrangements for a smart card wallet and uses thereof
US625503116 Apr 19973 Jul 2001Kanebo, Ltd.Near infrared absorbing film, and multi-layered panel comprising the film
US625762023 Feb 200010 Jul 2001Bernard Carroll KenneyHigh efficiency ski for sailing on snow or ice
US62633162 Feb 199917 Jul 2001Momente, LlcAutomated process for retailing to a vehicle occupant
US626344619 Nov 199817 Jul 2001Arcot Systems, Inc.Method and apparatus for secure distribution of authentication credentials to roaming users
US626597714 Aug 200024 Jul 2001Motorola, Inc.Radio frequency identification tag apparatus and related method
US626729222 Jul 199931 Jul 2001Walker Digital, LlcMethod and apparatus for funds and credit line transfers
US626878815 Sep 199831 Jul 2001Litronic Inc.Apparatus and method for providing an authentication system based on biometrics
US627723222 Apr 199921 Aug 2001Mbna America Bank, N.A.Method of manufacturing a plastic card with a lenticular lens therein
US62901371 Oct 199918 Sep 2001Perfect Plastic Printing CorporationTransparent/translucent financial transaction card including an infrared light filter
US629346218 Jul 200025 Sep 2001E-Micro CorporationWallet consolidator
US629552211 Jul 199725 Sep 2001Cybercash, Inc.Stored-value card value acquisition method and apparatus
US629618824 Nov 19992 Oct 2001Perfect Plastic Printing CorporationTransparent/translucent financial transaction card including an infrared light filter
US62977275 May 19972 Oct 2001George N. Nelson, Jr.Transponder identification and record assembly
US630422312 May 199916 Oct 2001Cubic CorporationContactless card automatic check-in check-out device
US630795624 Jan 200023 Oct 2001Gerald R. BlackWriting implement for identity verification system
US63090987 Apr 200030 Oct 2001Ye Ping WongContactless-IC-card receive and read-write mechanism for an on-street parking meter
US631519511 May 199813 Nov 2001Diebold, IncorporatedTransaction apparatus and method
US631520624 Nov 199913 Nov 2001Barry Fiala, Inc.Wallet card package
US631775026 Oct 199813 Nov 2001Hyperion Solutions CorporationMethod and apparatus for accessing multidimensional data
US631775526 Jul 199913 Nov 2001Motorola, Inc.Method and apparatus for data backup and restoration in a portable data device
US631863621 Sep 199920 Nov 2001Intermec 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
US632529315 Jun 19994 Dec 2001InnovatronMethod and system for using a microcircuit card in a plurality of applications
US632757331 Dec 19984 Dec 2001Walker Digital, LlcMultiple party reward system utilizing single account
US632757829 Dec 19984 Dec 2001International Business Machines CorporationFour-party credit/debit payment protocol
US632992021 Jan 200011 Dec 2001Aginfolink Holdings Inc.Apparatus and method for reading radio frequency identification transponders used for livestock identification and data collection
US63305445 Mar 199911 Dec 2001Walker Digital, LlcSystem and process for issuing and managing forced redemption vouchers having alias account numbers
US63319723 Feb 199718 Dec 2001Motorola, Inc.Personal data storage and transaction device system and method
US63321349 Mar 200018 Dec 2001Chuck FosterFinancial transaction system
US633219318 Jan 199918 Dec 2001Sensar, Inc.Method and apparatus for securely transmitting and authenticating biometric data over a network
US633609520 Nov 19981 Jan 2002Citibank, N.A.Method for electronic merchandise dispute resolution
US633804812 Sep 19978 Jan 2002Oki Electric Industry Co., Ltd.Electronic transaction system
US633938413 Nov 200015 Jan 2002Robert Valdes-RodriguezToll booth credit device
US63534204 Oct 19995 Mar 2002Amerasia International Technology, Inc.Wireless article including a plural-turn loop antenna
US635381119 Jan 20005 Mar 2002Steven I. WeissmanCredit card billing system for identifying expenditures on a credit card account
US636095315 Jul 199826 Mar 2002Magnex CorporationSecure print sensing smart card with on-the-fly-operation
US637807322 Dec 199723 Apr 2002Motorola, Inc.Single account portable wireless financial messaging unit
US638644430 Jul 199914 May 2002First Usa Bank, N.A.System and methods for card payment instrument with rebate applied to an insurance premium
US639719820 Jul 199928 May 2002Indivos CorporationTokenless biometric electronic transactions using an audio signature to identify the transaction processor
US640202610 Dec 199911 Jun 2002Orga Kartensysteme GmbhSmart card and method for bidirectional data transfer between a terminal and a smart card
US64043416 Apr 200011 Jun 20021175634 Ontario LimitedSecurity tag and method of making the same
US640693529 Nov 200018 Jun 2002Ask S.A.Manufacturing process of a hybrid contact-contactless smart card with an antenna support made of fibrous material
US641915826 Mar 199916 Jul 2002Peter HooglanderSystem and method for carrying medical and/or personal information
US64216502 Mar 199916 Jul 2002Goetech LlcMedication monitoring system and apparatus
US642246230 Mar 199923 Jul 2002Morris E. CohenApparatus and methods for improved credit cards and credit card transactions
US642247220 Nov 199723 Jul 2002Schlumberger SystemsMemory card of the contactless type
US642424911 Feb 199923 Jul 2002Image Data, LlcPositive identity verification system and method including biometric user authentication
US642791017 Dec 19996 Aug 2002International Business Machines CorporationMethod for managing and updating overloaded cards
US643415919 Nov 199913 Aug 2002Motorola, Inc.Transaction system and method therefor
US64354157 Jun 199920 Aug 2002Schlumberger SystemesContactless electronic memory card
US64382355 Aug 199820 Aug 2002Hewlett-Packard CompanyMedia content protection utilizing public key cryptography
US64394557 Jul 200027 Aug 2002Mondex International LimitedValue transfer system
US644579424 Jun 19983 Sep 2002Benyamin RonSystem and method for synchronizing one time pad encryption keys for secure communication and access control
US644686231 Dec 199910 Sep 2002W. Stephen G. MannPoint of purchase (PoP) terminal
US645700029 Jul 199924 Sep 2002Oracle Corp.Method and apparatus for accessing previous rows of data in a table
US646069617 Aug 20008 Oct 2002Richard J. MeyerCredit card holder with cards forming enclosing surfaces
US647112719 Nov 200129 Oct 2002Bank Of America CorporationData card
US648082529 Jan 199812 Nov 2002T-Netix, Inc.System and method for detecting a recorded voice
US648086930 Jul 199912 Nov 2002Mitsubishi Denki Kabushiki KaishaRandom-number generating circuit, non-contact IC card having random-number generating circuit, reader/writer, and method of testing an apparatus having the random generating circuit
US648162312 Jun 200019 Nov 2002Privicom, Inc.Card reader for transmission of data by sound
US64834279 Mar 200019 Nov 2002Rf Technologies, Inc.Article tracking system
US64834772 Feb 200019 Nov 2002Harris CorporationRF receiving antenna system
US64916395 Apr 200010 Dec 2002Pacesetter, Inc.Extravascular hemodynamic sensor
US64943674 Oct 200017 Dec 2002Ajit Kumar ZachariasSecure multi-application card system
US649659421 Oct 199917 Dec 2002Francine J. ProkoskiMethod and apparatus for aligning and comparing images of the face and body from different imagers
US650183211 Jan 200031 Dec 2002Microstrategy, Inc.Voice code registration system and method for registering voice codes for voice pages in a voice network access provider system
US650577222 Jun 200014 Jan 2003First Data CorporationSystem for utilizing a single card to provide multiple services in an open network environment
US650766211 Sep 199814 Jan 2003Quid Technologies LlcMethod and system for biometric recognition based on electric and/or magnetic properties
US652054219 Mar 200118 Feb 2003Kenneth ThompsonPromotional two-piece in one postcard housing an integral coupon card
US652329214 Dec 200025 Feb 2003Brenda L. SlavikClip card
US65298801 Dec 19994 Mar 2003Intermec Ip Corp.Automatic payment system for a plurality of remote merchants
US653910124 Mar 200025 Mar 2003Gerald R. BlackMethod for identity verification
US657536118 Aug 200010 Jun 2003E-2 Interactive, Inc.System and method for managing stored-value card data
US65878359 Feb 20001 Jul 2003G. Victor TreyzShopping assistance with handheld computing device
US65886738 Feb 20008 Jul 2003Mist Inc.Method and system providing in-line pre-production data preparation and personalization solutions for smart cards
US659124926 Mar 20008 Jul 2003Ron ZokaTouch scan internet credit card verification purchase process
US659802412 Nov 199922 Jul 2003Walker Digital, LlcMethod and system for processing supplementary product sales at a point-of-sale terminal
US660162218 Dec 20015 Aug 2003Tbac Investment TrustPersonal accessory with quick-access
US66017594 Oct 20015 Aug 2003American Express Travel Related ServicesSystem and method for providing feedback in an interactive payment system
US660176215 Jun 20015 Aug 2003Koninklijke Philips Electronics N.V.Point-of-sale (POS) voice authentication transaction system
US660855113 Sep 199919 Aug 2003Intermec Ip CorpLow-cost radio replacement utilizing RFID technology
US660965627 Mar 199826 Aug 2003Micron Technology, Inc.Method and system for identifying lost or stolen devices
US66096581 May 200026 Aug 2003Richard P. SehrTravel system and methods utilizing multi-application traveler cards
US662303925 May 200123 Sep 2003Kenneth ThompsonMulti-purpose card
US662959112 Jan 20017 Oct 2003IgtSmart token
US66318496 Dec 200014 Oct 2003Bank One, Delaware, National AssociationSelectable multi-purpose card
US663662030 Nov 199821 Oct 2003Nec CorporationPersonal identification authenticating with fingerprint identification
US663683322 Jan 199921 Oct 2003Obis Patents Ltd.Credit card system and method
US66445519 Nov 200111 Nov 2003G + D Cardtech, Inc.Card
US665116829 Jan 199918 Nov 2003International Business Machines, Corp.Authentication framework for multiple authentication processes and mechanisms
US665181326 Sep 200125 Nov 2003Clearpac LimitedWallet
US665189225 Jun 200225 Nov 2003Peter HooglanderSystem and method for carrying medical and/or personal information
US665761418 Apr 20002 Dec 2003Fuji Xerox Co., Ltd.Detecting apparatus, input apparatus, pointing device, individual identification apparatus, and recording medium
US667135818 Apr 200230 Dec 2003Universal Identity Technologies, Inc.Method and system for rewarding use of a universal identifier, and/or conducting a financial transaction
US66813285 Oct 200020 Jan 2004Mastercard International IncorporatedSystem and method for global internet digital identification
US668192618 Jan 200227 Jan 2004Devolpi Dean R.Integral keyboard and storage organizer
US66842697 Aug 200227 Jan 2004Datascape Inc.System and method for enabling transactions between a web server and a smart card, telephone, or personal digital assistant over the internet
US66850898 Feb 20013 Feb 2004Gilbarco, Inc.Remote banking during fueling
US668684712 May 20003 Feb 2004Hewlett-Packard Development Company, L.P.Indicator with daylight visibility using a single light emitting diode
US668787518 Feb 20003 Feb 2004Fuji Xerox Co., Ltd.Table editing apparatus
US669093025 May 199910 Feb 2004T-Mobile Deutschland GmbhProcess to control a subscriber identity module (SIM) in mobile phone system
US669794717 Jun 199924 Feb 2004International Business Machines CorporationBiometric based multi-party authentication
US670391830 Aug 20009 Mar 2004Casio Computer Co., Ltd.Portable information equipment, authentication device, authentication system and authentication method
US670403918 Sep 20019 Mar 2004Martin Rangel PenaMethod and system for computer-aided telecommunication and financial transactions
US670460830 Jul 19999 Mar 2004Matsushita Electric Industrial Co., Ltd.Portable body used in two way, communication system, communication method, terminal, computer-readable recorded medium on which program is recorded
US670837524 Feb 200323 Mar 2004Maria Ward JohnsonHarness wallet
US672520211 Oct 200020 Apr 2004Texas Instruments IncorporatedTransaction accounting of toll transactions in transponder systems
US673291919 Feb 200211 May 2004Hewlett-Packard Development Company, L.P.System and method for using a multiple-use credit card
US673508127 May 200311 May 2004Nortel Networks LimitedThermal management apparatus for horizontal electronics enclosures
US674754625 Feb 20008 Jun 2004Rohm Co., Ltd.Data communication transponder and communications system employing it
US674912331 Jan 200215 Jun 2004American Express Travel Related Services Company, Inc.Transaction card
US675180517 Jun 200222 Jun 2004Kenneth AustionRider down emergency identification card
US67635001 Dec 200013 Jul 2004Microsoft CorporationReal-time-on-demand dynamic document generation
US67640147 Mar 200220 Jul 2004American Express Travel Related Services Company, Inc.Transaction card
US67654705 Feb 200120 Jul 2004Fujitsu LimitedMobile electronic apparatus having function of verifying a user by biometrics information
US67669523 Jun 200227 Jul 2004Quadnovation, Inc.SIM card carrier
US676971821 Mar 20003 Aug 2004Vanguard Identification Systems, Inc.Printed sheet products
US677198129 Sep 20003 Aug 2004Nokia Mobile Phones Ltd.Electronic device cover with embedded radio frequency (RF) transponder and methods of using same
US67864006 Sep 20027 Sep 2004Capital One Financial CorporationMultiple account banking system and method
US678973327 May 200314 Sep 2004Gilbarco Inc.Remote banking during fueling
US679314123 Jul 200221 Sep 2004R. William GrahamCredit card
US679972630 Nov 20005 Oct 2004Skidata AgAuthorization control device including a wristwatch having a biometric sensor
US681605826 Apr 20019 Nov 2004Mcgregor Christopher MBio-metric smart card, bio-metric smart card reader and method of use
US681921913 Oct 200016 Nov 2004International Business Machines CorporationMethod for biometric-based authentication in wireless communication for access control
US682391014 Jun 200230 Nov 2004Alex ElnekavehMoney clip and card holder
US683019326 Nov 200214 Dec 2004Matsushita Electric Industrial Co., Ltd.Non-contact IC card
US683427028 Feb 200021 Dec 2004Carlo PaganiSecured financial transaction system using single use codes
US683479529 Jun 200128 Dec 2004Sun Microsystems, Inc.Secure user authentication to computing resource via smart card
US6839840 *4 Nov 19994 Jan 2005GemplusAuthenticating method between a smart card and a terminal
US684341530 Oct 200218 Jan 2005Sap AtkiengesellschaftEvent-based communication in a distributed item tracking system
US684586322 Apr 200325 Jan 2005Herman RileyCard magnetic strip protector sleeve
US685161719 Apr 20028 Feb 2005Avery Dennison CorporationLaser imageable RFID label/tag
US685308719 Sep 20018 Feb 2005Nanopierce Technologies, Inc.Component and antennae assembly in radio frequency identification devices
US685389429 Apr 20028 Feb 2005Usa Technologies, Inc.Global network based vehicle safety and security telematics
US685398727 Oct 19998 Feb 2005Zixit CorporationCentralized authorization and fraud-prevention system for network-based transactions
US68596724 Oct 200122 Feb 2005Cryovac, Inc.Method of linking a food source with a food product
US687397416 Aug 200029 Mar 2005Citibank, N.A.System and method for use of distributed electronic wallets
US687709721 Mar 20015 Apr 2005Activcard, Inc.Security access method and apparatus
US688371511 Oct 200026 Apr 2005Stmicroelectronics, Inc.Multi-mode smart card, system and associated methods
US68953103 Apr 200217 May 2005Usa Technologies, Inc.Vehicle related wireless scientific instrumentation telematics
US689829915 Sep 199924 May 2005Juliana H. J. BrooksMethod and system for biometric recognition based on electric and/or magnetic characteristics
US691451717 Apr 20015 Jul 2005Dalton Patrick Enterprises, Inc.Fingerprint sensor with feature authentication
US691527714 Jun 20005 Jul 2005General Electric Capital CorporationMethod for dual credit card system
US692056031 Oct 200119 Jul 2005Clyde Riley Wallace, Jr.Secure network user states
US692472929 Apr 19992 Aug 2005Bayerische Motoren Werke AktiengesellschaftRemote control device for motor vehicles
US692543910 Mar 19992 Aug 2005C-Sam, Inc.Device, system and methods of conducting paperless transactions
US692556525 May 20012 Aug 2005Pen-One, IncPen-based transponder identity verification system
US692818129 Oct 20039 Aug 2005Berkshire LabsMethod and system for biometric recognition using unique internal distinguishing characteristics
US693153825 Sep 200016 Aug 2005Takashi SawaguchiPortable personal authentication apparatus and electronic system to which access is permitted by the same
US69348616 Nov 200123 Aug 2005Crosscheck Identification Systems International, Inc.National identification card system and biometric identity verification method for negotiating transactions
US694046125 Mar 20036 Sep 2005Lear CorporationRemote access device having multiple inductive coil antenna
US694440218 Nov 200013 Sep 2005Tribeam Technologies, Inc.Extended range infrared communication (ERIC) for an infrared associated (IrDA) compliant portable device
US694476819 Apr 200213 Sep 2005Cross Match Technologies, Inc.System and methods for access control utilizing two factors to control access
US695987422 Feb 20021 Nov 2005Bardwell William EBiometric identification system using biometric images and personal identification number stored on a magnetic stripe and associated methods
US696144829 Dec 20001 Nov 2005Medtronic, Inc.User authentication in medical device systems
US697058325 May 200129 Nov 2005Black Gerald RIdentity authentication device
US69783696 Aug 200120 Dec 2005First Data CorporationPerson-centric account-based digital signature system
US697893312 Sep 200127 Dec 2005Canon Kabushiki KaishaCard for service access
US698609928 Jun 200110 Jan 2006International Business Machines CorporationError correction mechanisms in spreadsheet packages
US699048031 Jan 200324 Jan 2006Trancept LimitedInformation manager method and system
US699426223 Oct 20027 Feb 2006Vanguard Identification Systems, Inc.Printed sheet products with integral, removable, radio frequency identification elements
US700349731 Dec 200121 Feb 2006International Business Machines CorporationSystem and method for confirming electronic transactions
US70035019 Feb 200121 Feb 2006Maurice OstroffMethod for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites
US700438531 Mar 200428 Feb 2006Diebold Self-Service Systems Division Of Diebold, IncorporatedCurrency dispensing ATM with RFID card reader
US700699326 May 200028 Feb 2006The Coca-Cola CompanyMethod and apparatus for surrogate control of network-based electronic transactions
US704996226 Jul 200123 May 2006Micoh CorporationMaterials and construction for a tamper indicating radio frequency identification label
US70519259 Sep 200430 May 2006Bankone Delaware, N.A.System and method for funding a collective account by use of an electronic tag
US70591596 Feb 200313 Jun 2006Mi-Jack Products, Inc.Security system for cargo trailers
US706814820 Oct 200327 Jun 2006Symbol Technologies, Inc.Method for the efficient reading of a population of radio frequency identification tags with unique identification numbers over a noisy air channel
US706944425 Jan 200227 Jun 2006Brent A. LowensohnPortable wireless access to computer-based systems
US707011210 Mar 20044 Jul 2006American Express Travel Related Services Company, Inc.Transparent transaction device
US709376710 Mar 200422 Aug 2006American Express Travel Related Services Company, Inc.System and method for manufacturing a punch-out RFID transaction device
US70962046 Oct 200022 Aug 2006Hewlett-Packard Development Company, L.P.Electronic commerce system
US70964948 Dec 199922 Aug 2006Chen Jay CCryptographic system and method for electronic transactions
US710082113 May 20045 Sep 2006Mehran Randall RastiCharge card and debit transactions using a variable charge number
US71025236 Apr 20055 Sep 2006Symbol Technologies, Inc.Radio frequency identification tag antenna configurations
US710357531 Aug 20005 Sep 2006International Business Machines CorporationEnabling use of smart cards by consumer devices for internet commerce
US710819028 Feb 200319 Sep 2006Appleton Papers Inc.Token array and method employing authentication tokens bearing scent formulation information
US71196594 Oct 200410 Oct 2006American Express Travel Related Services Company, Inc.Systems and methods for providing a RF transaction device for use in a private label transaction
US712767222 Aug 200324 Oct 2006Microsoft CorporationCreating and managing structured data in an electronic spreadsheet
US713157419 Jul 20007 Nov 2006Lasercard CorporationOptical memory card based e-commerce business method
US71329468 Apr 20047 Nov 20063M Innovative Properties CompanyVariable frequency radio frequency identification (RFID) tags
US713683518 Sep 200014 Nov 2006Orbis Patents Ltd.Credit card system and method
US715040717 Dec 200419 Dec 2006Infineon Technologies AgSystem for interchanging data between at least two contactless data storage media
US715437526 Mar 200426 Dec 2006American Express Travel Related Services Company, Inc.Biometric safeguard method with a fob
US717166228 Nov 200030 Jan 2007Microsoft CorporationSystem and method for software licensing
US717211228 May 20046 Feb 2007American Express Travel Related Services Company, Inc.Public/private dual card system and method
US718474725 Jul 200127 Feb 2007Ncr CorporationSystem and method for implementing financial transactions using cellular telephone data
US721374830 Jul 20048 May 2007First Data CorporationAnonymous mailing and shipping transactions
US723712117 Sep 200126 Jun 2007Texas Instruments IncorporatedSecure bootloader for securing digital devices
US72392269 Jul 20023 Jul 2007American Express Travel Related Services Company, Inc.System and method for payment using radio frequency identification in contact and contactless transactions
US725455729 Apr 19997 Aug 2007C/Base, Inc.Financial services payment vehicle and method
US728113520 Apr 20059 Oct 2007Pgn-One Inc.Pen-based transponder identity verification system
US72872718 Apr 199723 Oct 2007Visto CorporationSystem and method for enabling secure access to services in a computer network
US72876956 Jan 200530 Oct 2007Mastercard International IncorporatedMethod and system for conducting transactions using a payment card with two technologies
US729936427 Jun 200320 Nov 2007The Regents Of The University Of MichiganMethod and system to maintain application data secure and authentication token for use therein
US730312026 Mar 20044 Dec 2007American Express Travel Related Services Company, Inc.System for biometric security using a FOB
US73141641 Jul 20041 Jan 2008American Express Travel Related Services Company, Inc.System for biometric security using a smartcard
US73141651 Jul 20041 Jan 2008American Express Travel Related Services Company, Inc.Method and system for smellprint recognition biometrics on a smartcard
US73185501 Jul 200415 Jan 2008American Express Travel Related Services Company, Inc.Biometric safeguard method for use with a smartcard
US73257241 Jul 20045 Feb 2008American Express Travel Related Services Company, Inc.Method for registering a biometric for use with a smartcard
US73411811 Jul 200411 Mar 2008American Express Travel Related Services Company, Inc.Method for biometric security using a smartcard
US73635041 Jul 200422 Apr 2008American Express Travel Related Services Company, Inc.Method and system for keystroke scan recognition biometrics on a smartcard
US73635053 Dec 200322 Apr 2008Pen-One IncSecurity authentication method and system
US741909327 Mar 20072 Sep 2008Diebold, IncorporatedCheck accepting and cash dispensing automated banking machine system and method
US2001000307118 Dec 20007 Jun 2001Silvano MansuttiMultifunctional electronic palmtop computer
US2001001354613 Apr 200116 Aug 2001Ross William LeslieIdentification system
US200100135515 Apr 200116 Aug 2001Diebold, IncorporatedPortable automated banking apparatus and system
US200100175845 Feb 200130 Aug 2001Takashi ShinzakiMobile electronic apparatus having function of verifying a user by biometrics information
US2001001866026 Apr 199830 Aug 2001Richard P. SehrElectronic ticketing system and methods utilizing multi-service vistior cards
US2001002244619 Apr 200120 Sep 2001Brian KlureMultiple-component data package
US200100294933 May 200111 Oct 2001Veristar CorporationTokenless biometric electronic check transactions
US200100302387 Dec 200018 Oct 2001Shigeru ArisawaEmbossable IC card, embossed IC card, Maunfacturing method thereof, and information reading and confirming system therefor
US2001003219211 Dec 200018 Oct 2001Laxmiprassad PuttaMethod and apparatus for improved financial instrument processing
US200100347207 Mar 200125 Oct 2001David ArmesSystem for facilitating a transaction
US2001003630122 Jun 20011 Nov 2001Fujitsu Denso Ltd. Japanese CorporationFingerprint registering method and fingerprint checking device
US2001003683521 Mar 20011 Nov 2001Leedom Charles M.Tiered wireless, multi-modal access system and method
US200100405074 May 200115 Nov 2001Checkpoint Systems, Inc.Radio frequency detection and identification system
US2001004546926 Mar 199929 Nov 2001Peter HooglanderSystem and method for carrying medical and / or personal information
US2001004962822 Mar 20016 Dec 2001Robert IchoOn-line system for aggregation of purchase bonuses
US200100532396 Aug 200120 Dec 2001Jasper Consulting, Inc.Credit card fraud elimination system
US2001005541125 May 200127 Dec 2001Black Gerald R.Identity authentication device
US2002000246819 Jun 20013 Jan 2002International Business Machines CorporationMethod and system for securing local database file of local content stored on end-user system
US2002000577426 Mar 200117 Jan 2002Rudolph Richard F.RFID Tag For Authentication And Identification
US200200145299 Jul 20017 Feb 2002Katsuyuki TanakaIC card and IC card data communication method
US2002001495224 Jul 20017 Feb 2002Terranova Steven N.Fuel dispensing and retail system for providing customer selected guidelines and limitations
US2002001668718 Jul 19987 Feb 2002Lee FelsensteinMulti-dimensional turbulent flow sensor, with particular use in determining an intention of, or an effect produced by, an animate object
US200200198071 Oct 200114 Feb 2002Halpern John W.Electronic travel pass
US2002002459018 Sep 200128 Feb 2002Pena Martin RangelMethod and system for computer-aided telecommunication and financial transactions
US2002002641912 Dec 200028 Feb 2002Sony Electronics, Inc.Apparatus and method for populating a portable smart device
US200200265756 Aug 200128 Feb 2002Wheeler Lynn HenryAccount-based digital signature (ABDS) system
US20020030579 *23 Jul 200114 Mar 2002Herb AlbertWireless adaptor and wireless financial transaction system
US2002003058112 Apr 200114 Mar 2002Janiak Martin J.Optical and smart card identification reader
US2002003623726 Jul 200128 Mar 2002Mikoh CorporationMaterials and construction for a tamper indicating radio frequency identification label
US2002003881824 Sep 20014 Apr 2002Zingher Joseph P.Biometric system and method for detecting duress transactions
US200200409354 Oct 200111 Apr 2002Weyant Leon H.Electronic access security key card pamphlet
US2002004093626 Oct 199911 Apr 2002David C. WentkerDelegated management of smart card applications
US2002004109310 Oct 200111 Apr 2002Cox Christopher RobertIntegrated plasticized card in a paper carrier and method of manufacture
US200200427826 Apr 200111 Apr 2002International Business Machines CorporationSystem and method for generating a contract and conducting contractual activities under the contract
US2002004356613 Jul 200118 Apr 2002Alan GoodmanTransaction card and method for reducing frauds
US2002004634127 Feb 200118 Apr 2002Alex KazaksSystem, and method for prepaid anonymous and pseudonymous credit card type transactions
US2002006224917 Aug 200123 May 2002Iannacci Gregory FxSystem and method for an automated benefit recognition, acquisition, value exchange, and transaction settlement system using multivariable linear and nonlinear modeling
US2002006228428 Jan 199923 May 2002Joseph C. KawanMethod and system of contactless interfacing for smart card banking
US2002006229126 Mar 200023 May 2002Ron ZokaTouch scan internet credit card verification purchase process
US200200667845 Dec 20006 Jun 2002Interlink Electronics, Inc.Method and system for performing a purchase transaction using a home entertainment device and a signature capturing sensor
US2002007234917 Oct 200113 Jun 2002Geiselman John MiltonMethod and apparatus for securing communications
US200200730258 Dec 200013 Jun 2002Tanner Robert G.Virtual experience of a mobile device
US2002008332016 Apr 200127 Jun 2002Harri VatanenMethod and system for application of a safety marking
US200200878698 Nov 20014 Jul 2002Jinsam KimSystem and method of authenticating a credit card using a fingerprint
US2002009529819 Apr 199918 Jul 2002Frogmagic, Inc.Blind Gift Method and System
US2002009558717 Jan 200118 Jul 2002International Business Machines CorporationSmart card with integrated biometric sensor
US2002009558811 May 200118 Jul 2002Satoshi ShigematsuAuthentication token and authentication system
US2002009714213 Nov 200125 Jul 2002Janiak Martin J.Biometric authentication device for use with token fingerprint data storage
US200200996651 Oct 200125 Jul 2002Burger Todd O.Portable electronic authorization system and method
US2002010779112 Jan 20018 Aug 2002Nobrega Ryan J.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
US2002010806215 May 20018 Aug 2002Takayuki NakajimaAuthentication system and method
US2002011191924 Apr 200115 Aug 2002Visa International Service AssociationOnline payer authentication service
US2002011217712 Feb 200115 Aug 2002Voltmer William H.Anonymous biometric authentication
US2002012518431 Dec 200112 Sep 2002Hans-Dietrich PolascheggTreatment of physiological liquids of organism
US2002012897712 Sep 200112 Sep 2002Anant NambiarMicrochip-enabled online transaction system
US2002012924811 Mar 200212 Sep 2002Wheeler Lynn HenryAccount-based digital signature (ABDS) system
US200201301867 Mar 200219 Sep 2002Ellen LaschTransaction card
US2002013018713 May 200219 Sep 2002Berg Jon N.System for card to card transfer of secure data
US2002013346730 Aug 200119 Sep 2002Hobson Carol LeeOnline card present transaction
US2002013372514 Mar 200219 Sep 2002Roy Ronald B.Biometric access control and time and attendance network including configurable system-on-chip (CSOC) processors with embedded programmable logic
US2002013835124 May 200226 Sep 2002Image Data, LlcPositive identification system and method
US2002013842522 Oct 200126 Sep 2002Atsushi ShimizuElectronic payment system and method for electronic payment
US2002013983931 Mar 20013 Oct 2002Koninklijke Philips Electronics N. V.Machine readable lablel reader system with versatile response selection
US200201405421 Apr 20023 Oct 2002Prokoski Francine J.Personal biometric key
US2002014700216 Jan 200110 Oct 2002David Trop"Calling party pays" cellular and prepaid platforms for cellular calling systems
US200201476005 Apr 200110 Oct 2002Ncr CorporationSystem and method for implementing financial transactions using biometric keyed data
US2002014946728 Dec 200017 Oct 2002Calvesio Raymond V.High security identification system for entry to multiple zones
US2002015212327 Feb 200217 Oct 2002Exxonmobil Research And Engineering CompanySystem and method for processing financial transactions
US2002015341019 Apr 200124 Oct 2002Wayne SantiniPrepaid cellular phone easy activation model
US2002015342419 Apr 200124 Oct 2002Chuan LiMethod and apparatus of secure credit card transaction
US2002015874726 Apr 200131 Oct 2002Mcgregor Christopher M.Bio-metric smart card, bio-metric smart card reader and method of use
US200201634217 May 20017 Nov 2002Po-Tong WangPersonal fingerprint authentication method of bank card and credit card
US2002016593114 Feb 20017 Nov 2002Greer Patrick ThomasMethod and apparatus for accessing product information using bar code data
US2002016689725 Jun 200214 Nov 2002Peter HooglanderSystem and method for carrying medical and/or personal information
US2002016967311 May 200114 Nov 2002International Business Machines CorporationPoint of sale enhanced manager/operator override system
US2002017580529 Nov 200028 Nov 2002Ludwig KippMethod and system for communicating with and tracking RFID transponders
US2002017806325 May 200128 Nov 2002Kelly GravelleCommunity concept for payment using RF ID transponders
US2002017812422 May 200128 Nov 2002Lewis Shawn MichaelCredit card verification system
US2002017836925 May 200128 Nov 2002Black Gerald R.Pen-based transponder identity verification system
US200201797045 Jun 20015 Dec 2002Ncr CorporationEnhanced digital wallet
US200201861336 Jun 200112 Dec 2002Loof Per OlofComplete integrated self-checkout system and method
US2002018683811 Mar 200212 Dec 2002Pascal BrandysSystem and method of user and data verification
US200201888548 Jun 200112 Dec 2002John HeavenBiometric rights management system
US200201888555 Jun 200212 Dec 2002Keisuke NakayamaFingerprint authentication unit and authentication system
US2002019012415 Jun 200119 Dec 2002Koninklijke Philips Electronics N.V.Point-of-sale (POS) voice authentication transaction system
US2002019181627 Mar 200219 Dec 2002Michael MaritzenSystem and method of selecting consumer profile and account information via biometric identifiers
US2002019285614 Jun 200219 Dec 2002Christophe HalopeMethod for connecting a chip to an antenna in a contactless smart card radio frequency identification device
US2002019310228 Feb 200219 Dec 2002Petri HyyppaElectronic transactions
US2002019413716 Mar 200119 Dec 2002Park Kyung YangOptical payment transceiver and system using the same
US200300010066 Nov 20012 Jan 2003Myung-Gi LeeApparatus and method for electronic payment with strengthened authentification capability and vending machine equiped with the same apparatus
US2003000175531 Jan 20022 Jan 2003Tiernay Robert WalterMethod and means for RF tool collection
US2003000486629 Jun 20012 Jan 2003Kevin HuennekensSystems and methods for processing credit card transactions that exceed a credit limit
US200300048817 Sep 20012 Jan 2003Fujitsu Limited Of Kawasaki, JapanConfidential information management system and information terminal for use in the system
US200300053107 Jun 20022 Jan 2003Fujitsu LimitedUser verification system, and portable electronic device with user verification function utilizing biometric information
US200300069011 Jun 20019 Jan 2003Ji-Tae KimPassive transponder identification and credit-card type transponder
US2003000938212 Jun 20029 Jan 2003D'arbeloff Matthew A.Customer identification, loyalty and merchant payment gateway
US200300185674 Jun 200223 Jan 2003Orbis Patents Ltd.Business-to-business commerce using financial transaction numbers
US200300188938 Aug 200223 Jan 2003Erwin HessMethod and configuration for mutual authentication of two data processing units
US200300284814 Jun 20026 Feb 2003Orbis Patents, Ltd.Credit card system and method
US2003003369716 Aug 200120 Feb 2003Hicks Bryan K.Buckle lanyard connector and system
US2003003726413 Aug 200220 Feb 2003Tadashi EzakiAuthentication processing system, authentiation processing method, authentication device, and computer program
US200300378515 Apr 200127 Feb 2003Bertil HogganvikCredit card holder
US2003004623724 Oct 20026 Mar 2003James UbertiMethod and system for enabling the issuance of biometrically secured online credit or other online payment transactions without tokens
US200300465407 Aug 20026 Mar 2003Omron CorporationApparatus and method for authentication and method for registering a person
US2003004748213 Sep 200113 Mar 2003Jones Brad A.Unit dose packaging system with exterior pocket feature
US2003005483618 Dec 200020 Mar 2003Gerard MichotMethod and device for time control of movement or position of persons, animals or objects
US2003005572716 Sep 200220 Mar 2003Walker Jay S.Method and apparatus for facilitating the provision of a benefit to a customer of a retailer
US2003006117220 Sep 200227 Mar 2003Timothy RobinsonSystem and method for biometric authorization for financial transactions
US2003007431715 Oct 200117 Apr 2003Eyal HofiDevice, method and system for authorizing transactions
US2003008659118 Jul 20028 May 2003Rudy SimonIdentity card and tracking system
US200300931871 Oct 200215 May 2003Kline & Walker, LlcPFN/TRAC systemTM 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
US2003009734412 Aug 200222 May 2003David ChaumMulti-purpose transaction card system
US2003010693519 Nov 200212 Jun 2003Burchette Robert L.Transaction card system having security against unauthorized usage
US2003011212019 Dec 200219 Jun 2003K. Seifert MarkSystem & method for biometric-based fraud protection
US2003011512631 Oct 200219 Jun 2003Pitroda Satyan G.System and methods for servicing electronic transactions
US2003012062620 Dec 200126 Jun 2003Koninklijke Philips Electronics N.V.Voice-enabled, consumer transaction system
US2003012212028 Dec 20013 Jul 2003Motorola, Inc.Organic semiconductor device and method
US200301237144 Nov 20023 Jul 2003O'gorman LawrenceMethod and system for capturing fingerprints from multiple swipe images
US2003012429428 Dec 20013 Jul 2003Hodson Jay D.Scored package and a method of making the same
US2003012505426 Nov 20023 Jul 2003Garcia Sergio SalvadorPortable messaging device adapted to perform financial transactions
US200301308207 Jan 200210 Jul 2003Lane George H.Work order system
US2003013213216 Jan 200217 Jul 2003Small George HRetractable identification holder and methods of using same
US2003013229723 Sep 200217 Jul 2003Hand Held Products, Inc.Transaction terminal having elongated finger recess
US200301496613 Jan 20017 Aug 2003Colin MitchellMethod and apparatus for authenticating financial transactions
US200301496629 Feb 20017 Aug 2003Jon ShoreApparatus, systems and methods for wirelessly transacting financial transfers , electronically recordable authorization transfers, and other information transfers
US2003015091112 Feb 200214 Aug 2003Joseph JosephBiometric identification and security system associated with cash register
US200301522525 Feb 200314 Aug 2003Kenji KondoPersonal authentication method, personal authentication apparatus and image capturing device
US2003015335628 Jan 200214 Aug 2003Shih-Yuan LiuMobile phone for multiple SIM cards
US2003015541619 Feb 200221 Aug 2003Lee MacklinSystem and method for using a multiple-use credit card
US2003015904417 Jan 200121 Aug 2003International Business Machines CorporationSecure integrated device with secure, dynamically-selectable capabilities
US2003016007425 Feb 200228 Aug 2003Gerardo PinedaID badge lanyard combination necktie holdown apparatus
US2003017340818 Mar 200218 Sep 2003Precision Dynamics CorporationEnhanced identification appliance
US2003017710219 Feb 200318 Sep 2003Timothy RobinsonSystem and method for biometric authorization for age verification
US2003017849523 Dec 200225 Sep 2003Robert JonesContact smart cards having a document core, contactless smart cards including multi-layered structure, pet-based identification document, and methods of making same
US2003018369518 Dec 20022 Oct 2003Brian LabrecMultiple image security features for identification documents and methods of making same
US2003019194930 Aug 20019 Oct 2003Akihiro OdagawaAuthentication system, authentication request device, validating device and service medium
US2003019503711 Apr 200216 Oct 2003Vt Tech Corp.Video gaming machine for casino games
US2003019759319 Apr 200223 Oct 2003Cross Match Technologies, Inc.Systems and methods utilizing biometric data
US200302084393 May 20036 Nov 2003Rast Rodger H.Automated soft limit control of electronic transaction accounts
US2003022362530 May 20024 Dec 2003Hillhouse Robert D.Method and apparatus for supporting a biometric registration performed on a card
US2003022604127 Mar 20034 Dec 2003Innovation Connection CorporationApparatus and method for effecting secure physical and commercial transactions in a contactless manner using biometric identity validation
US200302297939 Jan 200311 Dec 2003Mccall Melvin D.Transaction terminal comprising imaging module
US2003023051417 Jun 200318 Dec 2003Mars, IncorporatedContainer with integral card holder
US2003023670425 Jun 200225 Dec 2003American Express Travel Related Services Company, Inc.System and method for a multiple merchant stored value card
US2004000649722 Mar 20018 Jan 2004Nestor Tod A.Entertainment event ticket purchase and exchange system
US2004000653918 Mar 20038 Jan 2004Coby RoyerSystem and method for facilitating the handling of a dispute using disparate architectures
US2004001187719 Jul 200222 Jan 2004Reppermund Hans U.System for a card having data embedded therein
US2004001445719 Dec 200222 Jan 2004Stevens Lawrence A.Systems and methods for storage of user information and for verifying user identity
US2004001679616 Jul 200329 Jan 2004Diebold, IncorporatedAutomated banking apparatus and method
US2004001793429 Jul 200229 Jan 2004Kocher Robert WilliamMethod and apparatus for contactless hand recognition
US2004001949431 Jan 200329 Jan 2004Manugistics, Inc.System and method for sharing information relating to supply chain transactions in multiple environments
US2004001956426 Jul 200229 Jan 2004Scott GoldthwaiteSystem and method for payment transaction authentication
US200400215523 Aug 20015 Feb 2004Hong-Sik KooMethod, device, and system for door lock
US2004002469419 Jun 20035 Feb 2004David LawrenceBiometric risk management
US200400265183 Sep 200212 Feb 2004Takao KudoPlatic card
US200400306016 Aug 200312 Feb 2004Pond Russell L.Electronic payment methods for a mobile device
US2004003185614 Jul 200319 Feb 2004Alon AtsmonPhysical presence digital authentication system
US2004003981416 Nov 200126 Feb 2004Crabtree Ian BMethod of updating interests
US2004004102127 Aug 20024 Mar 2004Ncr CorporationModular self checkout system
US200400416906 Aug 20034 Mar 2004Junichi YamagishiPersonal authentication apparatus and locking apparatus
US2004004462729 Nov 20004 Mar 2004Russell David C.Methods, systems and apparatuses for secure transactions
US200400460349 Jul 200111 Mar 2004Hayat Ey YamaniTransparent data card
US2004004968711 Jun 200311 Mar 2004Orsini Rick L.Secure data parser method and system
US2004005093017 Sep 200218 Mar 2004Bernard RoweSmart card with onboard authentication facility
US2004005240629 Oct 200318 Mar 2004Brooks Juliana H. J.Method and system for biometric recognition using unique internal distinguishing characteristics
US2004005992325 Sep 200225 Mar 2004Shamrao Andrew DivakerSystems and methods for authentication
US2004006159311 Feb 20021 Apr 2004Lane William F.Self-authenticating indentification substrate with encoded packet output
US2004006242317 Jun 20031 Apr 2004Miwako DoiPersonal authentication apparatus and personal authentication method
US2004007379227 Jun 200315 Apr 2004Noble Brian D.Method and system to maintain application data secure and authentication token for use therein
US2004008318410 Jan 200329 Apr 2004First Data CorporationAnonymous card transactions
US2004008338015 Jul 200329 Apr 2004Marcus JankeSecurity module with volatile memory for storing an algorithm code
US2004008452417 Oct 20036 May 2004Diebold, IncorporatedApparatus and method of transmitting transaction signature
US2004008454230 Oct 20026 May 2004Honeywell International Inc.Adjustable damper actuator
US2004008972412 May 200313 May 2004Ellen LaschFoldable transaction card
US2004009833619 Feb 200220 May 2004Soren FlinkSystem for effecting orders for payment with identification by means of card data and fingerprint
US200401042663 Dec 20023 Jun 2004International Business Machines CorporationSystem and method for multi-party validation, authentication and/or authorization via biometrics
US2004010426830 Jul 20023 Jun 2004Bailey Kenneth StephenPlug in credit card reader module for wireless cellular phone verifications
US2004011893030 Jun 200324 Jun 2004American Express Travel Related Services Company, Inc.Transparent transaction card
US2004012410411 Dec 20031 Jul 2004Devolpi Dean R.Integral keyboard and storage organizer
US2004012424626 Dec 20021 Jul 2004Allen Greggory W. D.System and method for validating and operating an access card
US2004012725623 Jul 20031 Jul 2004Scott GoldthwaiteMobile device equipped with a contactless smart card reader/writer
US2004012978710 Sep 20038 Jul 2004Ivi Smart Technologies, Inc.Secure biometric verification of identity
US200401312377 Jan 20038 Jul 2004Akihiro MachidaFingerprint verification device
US200401337877 Oct 20038 Jul 2004Innovation Connection CorporationSystem, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe
US2004013657322 Jul 200315 Jul 2004Sony CorporationPersonal authentication system and personal authentication method
US2004014484119 Dec 200329 Jul 2004Uhei TsukamotoPersonal identification method and personal identification device
US2004014484612 May 200329 Jul 2004Ellen LaschCompact or convenient transaction cards
US2004014928723 Jan 20045 Aug 2004David NameyTwo-shot injection molded nasal/oral mask
US2004015510124 Dec 200312 Aug 2004American Express Travel Related Services Company, Inc.System and method for selecting financial services
US200401587236 Feb 200312 Aug 2004Root David C.Methods for providing high-integrity enrollments into biometric authentication databases
US2004016031014 Feb 200319 Aug 2004Mao-Song ChenRadio frequency identification device
US2004016113511 Mar 200319 Aug 2004Misa SanoFingerprint matching device, fingerprint matching method, and program
US2004016575325 Jun 200326 Aug 2004Takhiri Azar Mamed OglyPersonal identification method, electronic identification system and apparatus for personal biometrical identification by gauging geometry of the person's hand
US2004016907128 Feb 20032 Sep 2004Appleton Papers Inc.Token array and method employing authentication tokens bearing scent formulation information
US2004017254125 Nov 20032 Sep 2004Hitachi, Ltd.IC card having security control
US2004017607122 Mar 20029 Sep 2004Christian GehrmannSecure remote subscription module access
US2004017704515 Mar 20049 Sep 2004Brown Kerry DennisThree-legacy mode payment card with parametric authentication and data input elements
US2004017806312 Mar 200316 Sep 2004Mirchi Amir AHigh swelling ramming paste for aluminum electrolysis cell
US2004018065724 Jun 200216 Sep 2004Toshiba America Research Inc. (Tari)Authenticating multiple devices simultaneously using a single wireless subscriber identity module
US2004018851931 Mar 200330 Sep 2004Kepler, Ltd. A Hong Kong CorporationPersonal biometric authentication and authorization device
US200401907578 Apr 200330 Sep 2004Murphy Kevin SjIntegrated passenger management system
US2004019367624 Mar 200330 Sep 2004Nokia CorporationSystem, terminal and method of transmitting information utilizing a variable-string uniform resource locator (URL)
US200401953146 Apr 20047 Oct 2004Lee Ki DeakCredit transaction system and method using fingerprint information
US2004019946921 Mar 20037 Oct 2004Barillova Katrina A.Biometric transaction system and method
US2004020235426 Mar 200414 Oct 2004Olympus CorporationImaging system, and identity authentication system incorporating the same
US200402083437 May 200421 Oct 2004Colorado State University Research FoundationApparatus and method for creating a record using biometric information
US2004021557528 Apr 200328 Oct 2004John GarrityEfficient management of fueling transactions
US2004022280320 Apr 200411 Nov 2004Marco TartagniCapacitive distance sensor
US2004023048826 Mar 200418 Nov 2004American Express Travel Related Services Company, Inc.Method for using a sensor to register a biometric for use with a transponder-reader system
US2004023222026 Mar 200425 Nov 2004American Express Travel Related Services Company, Inc.System for biometric security using a fob
US2004023222426 Mar 200425 Nov 2004American Express Travel Related Services Company, Inc.Method for registering biometric for use with a fob
US2004023303926 Mar 200425 Nov 2004American Express Travel Related Services Company, Inc.System for registering a biometric for use with a transponder
US2004023545019 May 200425 Nov 2004Einar RosenbergApparatus and method for increased security of wireless transactions
US2004023668022 May 200325 Nov 2004International Business Machines CorporationMethod and apparatus for displaying embedded chip states and embedded chip end-user application states
US2004023669926 Mar 200425 Nov 2004American Express Travel Related Services Company, Inc.Method and system for hand geometry recognition biometrics on a fob
US2004023670026 Mar 200425 Nov 2004American Express Travel Related Services Company, Inc.Method and system for keystroke scan recognition biometrics on a fob
US2004023670126 Mar 200425 Nov 2004American Express Travel Related Services Company, Inc.Method and system for proffering multiple biometrics for use with a fob
US2004023681922 Sep 200325 Nov 2004Beepcard Inc.Method and system for remotely authenticating identification devices
US2004023948026 Mar 20042 Dec 2004American Express Travel Related Services Company, Inc.Method for biometric security using a transponder
US2004024071127 May 20032 Dec 2004Honeywell International Inc.Face identification verification using 3 dimensional modeling
US200402551684 Nov 200316 Dec 2004Fujitsu LimitedBiometric authentication system
US2004025719620 Jun 200323 Dec 2004Motorola, Inc.Method and apparatus using biometric sensors for controlling access to a wireless communication device
US2004025828212 Apr 200423 Dec 2004Bjorn Vance C.Fingerprint recognition system
US2005000171116 Dec 20036 Jan 2005Innovation Connection CorporationSystem, method and apparatus for electronic ticketing
US2005000492110 Mar 20046 Jan 2005American Express Travel Related Services Company, Inc.Systems and methods for providing a rf transaction device operable to store multiple distinct accounts
US200500051726 Nov 20016 Jan 2005Haala Catherine A.National identification card system and biometric identity verification method for negotiating transactions
US2005001177614 Jul 200320 Jan 2005Nagel Richard R.Easy access credit card holder
US200500170686 Jan 200427 Jan 2005Zalewski Thomas W.System and method of making payments using an electronic device cover with embedded transponder
US200500186588 Jul 200427 Jan 2005Canon Kabushiki KaishaInformation processing method and information processing apparatus
US2005002030423 Aug 200427 Jan 2005Fujitsu LimitedMobile electronic apparatus, and battery pack for the apparatus
US2005002145714 Jul 200427 Jan 2005Johnson A. WayneFinancial account up-front incentives management system and method
US2005002315731 Jul 20033 Feb 2005Logan Andrew J.Case with elastic-secured end cap
US2005003368611 Mar 200410 Feb 2005American Express Travel Related Services Company, Inc.System and method for securing sensitive information during completion of a transaction
US2005003368726 Mar 200410 Feb 2005American Express Travel Related Services Company, Inc.Method and system for auditory emissions recognition biometrics on a fob
US2005003368823 Jul 200410 Feb 2005American Express Travel Related Services Company, Inc.Methods and apparatus for a secure proximity integrated circuit card transactions
US2005003368921 Jul 200410 Feb 2005American Express Travel Related Services Company, Inc.A system and method for dynamic fob synchronization and personalization
US200500339928 Jul 200310 Feb 2005Takeshi InabeInput device
US2005003519228 May 200417 Feb 2005American Express Travel Related Services Company, Inc.Public/private dual card system and method
US200500358474 Oct 200417 Feb 2005American Express Travel Related Services Company, Inc.Systems and methods for providing a rf transaction device for use in a private label transaction
US200500366652 Sep 200417 Feb 2005Teruyuki HiguchiFingerprint apparatus and method
US200500387181 Jul 200417 Feb 2005American Express Travel Related Services Company, Inc.Method and system for facilitating a shopping experience
US200500402219 Sep 200424 Feb 2005First Usa Bank N.A.System and method for funding a collective account by use of an electronic tag
US200500457183 Sep 20033 Mar 2005Visa U.S.A., Inc.Method, system and portable consumer device using wildcard values
US2005005036730 Sep 20043 Mar 2005Chameleon Network, Inc.Portable electronic authorization system and method
US200500544384 Sep 200310 Mar 2005Rothschild Wayne H.Universal personal identifier for accessing patron information at a gaming venue
US200500582624 Oct 200417 Mar 2005Timmins Timothy A.Communications methods and systems using voiceprints
US2005006023310 Mar 200417 Mar 2005American Express Travel Related Services Company, Inc.System and method for securing rf transactions using a radio frequency identification device including a transactions counter
US2005006584228 Jul 200424 Mar 2005Richard SummersSystem and method for coordinating product inspection, repair and product maintenance
US2005006587210 Sep 200424 Mar 2005Moebs G. MichaelRisk identification system and methods
US2005007123110 Mar 200431 Mar 2005American Express Travel Related Services Company, Inc.System and method for securing rf transactions using a radio frequency identification device including a random number generator
US200500875978 Dec 200428 Apr 2005Gotfried Bradley L.Access system
US2005009132515 Sep 200428 Apr 2005Kenji KuwanaInformation providing system
US2005009703822 Jul 20025 May 2005S.K. Telecom Co., LtdMobile terminal with user identification card including personal finance-related information and method of using a value-added mobile service through said mobile terminal
US2005009862112 Nov 200312 May 2005De Sylva Robert F.System and method for facilitating monetary transactions
US200501001991 Oct 200412 May 2005Authentec, Inc.Spot-based finger biometric processing method and associated sensor
US2005010252423 Nov 200412 May 2005Crosscheck Identification Systems International, Inc.National identification card system and biometric identity verification method for negotiating transactions
US2005010383918 Nov 200419 May 2005Infineon Technologies AgAuthorization means security module terminal system
US2005010983620 Jul 200426 May 2005Nebil Ben-AissaBiometric multi-purpose terminal, payroll and work management system and related methods
US2005011313720 Nov 200326 May 2005International Business Machines CorporationWireless rechargeable money card
US2005011602426 Mar 20042 Jun 2005American Express Travel Related Services Company, Inc.Method and system for dna recognition biometrics on a fob
US2005011997828 Feb 20032 Jun 2005Fikret AtesAuthentication arrangement and method for use with financial transactions
US200501222093 Dec 20039 Jun 2005Black Gerald R.Security authentication method and system
US200501231371 Jul 20039 Jun 2005Mccallum PeterMeans for providing protecting for digital assets
US2005012531230 Sep 20049 Jun 2005Promega CorporationRF point of sale and delivery method and system using communication with remote computer and having features to read a large number of RF tags
US200501253433 Dec 20049 Jun 2005Mendelovich Isaac F.Method and apparatus for monetizing personal consumer profiles by aggregating a plurality of consumer credit card accounts into one card
US2005012716425 Jun 200416 Jun 2005John WankmuellerMethod and system for conducting a transaction using a proximity device and an identifier
US2005013797727 Sep 200423 Jun 2005John WankmuellerMethod and system for biometrically enabling a proximity payment device
US2005013966923 Dec 200430 Jun 2005Michael ArnouseDual-sided smart card reader
US2005014413331 Jan 200530 Jun 2005Ned HoffmanSystem and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse
US200501493586 Jan 20047 Jul 2005Lisa M. Sacco And Lynn GreenkyRFID tracking of anesthesiologist and patient time
US2005014992622 Dec 20037 Jul 2005Sun Microsystems, Inc.Framework for providing a configurable firewall for computing systems
US2005016027114 Oct 200321 Jul 2005Brundage Trent J.Identification document and related methods
US2005016079020 Feb 200328 Jul 2005Katsuyuki TanakaGas chromatograph and expired air component analyzer
US2005016568428 Jan 200428 Jul 2005Saflink CorporationElectronic transaction verification system
US2005016606212 Jan 200428 Jul 2005International Business Machines CorporationPortable computer with a hand impression
US2005016950428 Mar 20054 Aug 2005Black Gerald R.Method for identity verification
US2005017178710 Dec 20034 Aug 2005Anthony ZagamiInformation-based access control system for sea port terminals
US2005017190519 Mar 20034 Aug 2005John WankmuellerMethod and system for conducting a transaction using a proximity device
US2005018061811 Apr 200518 Aug 2005Black Gerald R.Method for identity verification
US2005018788311 May 200525 Aug 2005American Express Travel Related Services Company, Inc.Methods and apparatus for conducting electronic transactions using biometrics
US2005018791611 Aug 200425 Aug 2005Eugene LevinSystem and method for pattern recognition in sequential data
US2005019792321 Jan 20058 Sep 2005Kilner Andrew R.Display
US2005020385725 Mar 200515 Sep 2005Friedman Lawrence J.Methods for transaction processing
US2005020700220 May 200522 Sep 20053M Innovative Properties CompanyMultilayer infrared reflecting film with high and smooth transmission in visible wavelength region and laminate articles made therefrom
US2005021178425 Mar 200429 Sep 2005Justin Antony MInformation card
US2005021265724 Feb 200529 Sep 2005Rudy SimonIdentity verification system with self-authenticating card
US2005021642423 Mar 200429 Sep 2005Star Systems, Inc.Transaction system with special handling of micropayment transaction requests
US2005022185331 Mar 20046 Oct 2005Silvester Kelan CUser authentication using a mobile phone SIM card
US2005022323031 Mar 20046 Oct 2005Zick Donald AAsynchronous enhanced shared secret provisioning protocol
US2005023247120 Apr 200420 Oct 2005Richard BaerBiometric data card and authentication method
US2005024077826 Apr 200427 Oct 2005E-Smart Technologies, Inc., A Nevada CorporationSmart card for passport, electronic passport, and method, system, and apparatus for authenticating person holding smart card or electronic passport
US200502462926 Jul 20053 Nov 2005Branko SarcaninMethod and system for a virtual safe
US2005025168815 Jun 200510 Nov 2005Nanavati Samir HIdentity verification method using a central biometric authority
US2005026197220 Apr 200524 Nov 2005Black Gerald RPen-based transponder identity verification system
US2005027550517 Aug 200515 Dec 2005Himmelstein Richard BVoice-controlled security system with smart controller
US2005027822224 May 200515 Dec 2005Nortrup Edward HSystems and methods for performing transactions
US200600008921 Jul 20045 Jan 2006American Express Travel Related Services Company, Inc.Method for biometric security using a smartcard
US200600008931 Jul 20045 Jan 2006American Express Travel Related Services Company, Inc.Method for biometric security using a smartcard-reader
US200600008941 Jul 20045 Jan 2006American Express Travel Related Services Company, Inc.Method and system for fingerprint biometrics on a smartcard
US200600008951 Jul 20045 Jan 2006American Express Travel Related Services Company, Inc.Method and system for facial recognition biometrics on a smartcard
US200600008961 Jul 20045 Jan 2006American Express Travel Related Services Company, Inc.Method and system for voice recognition biometrics on a smartcard
US200600008971 Jul 20045 Jan 2006American Express Travel Related Services Company, Inc.Method and system for signature recognition biometrics on a smartcard
US200600008981 Jul 20045 Jan 2006American Express Travel Related Services Company, Inc.Method and system for vascular pattern recognition biometrics on a smartcard
US200600008991 Jul 20045 Jan 2006American Express Travel Related Services Company, Inc.Method and system for dna recognition biometrics on a smartcard
US2006000502217 Jun 20045 Jan 2006Masahiro WakamoriAuthentication system
US200600050428 Aug 20055 Jan 2006Black Gerald RData security system
US200600168681 Jul 200426 Jan 2006American Express Travel Related Services Company, Inc.Method and system for hand geometry recognition biometrics on a smartcard
US200600168691 Jul 200426 Jan 2006American Express Travel Related Services Company, Inc.Method and system for auditory emissions recognition biometrics on a smartcard
US200600168711 Jul 200426 Jan 2006American Express Travel Related Services Company, Inc.Method and system for keystroke scan recognition biometrics on a smartcard
US200600168741 Jul 200426 Jan 2006American Express Travel Related Services Company, Inc.System for registering a biometric for use with a smartcard
US200600168751 Jul 200426 Jan 2006American Express Travel Related Services Company, Inc.Method for registering a biometric for use with a smartcard
US200600168771 Jul 200426 Jan 2006American Express Travel Related Services Company, Inc.Biometric safeguard method with a smartcard
US200600336095 Oct 200516 Feb 2006Raj BridgelallWireless locating and tracking systems
US2006003449230 Oct 200216 Feb 2006Roy SiegelHand recognition system
US200600664449 Nov 200530 Mar 2006Axcess, Inc. A Delaware CorporationMethod and system for networking radio tags in a radio frequency identification system
US200600696359 Sep 200330 Mar 2006Pranil RamMethod of buying or selling items and a user interface to facilitate the same
US200600717569 Nov 20056 Apr 2006Axcess, Inc., A Delaware CorporationDual frequency radio tag for a radio frequency identification system
US200600805527 Oct 200513 Apr 2006Swisscom Mobile AgCommunication card for mobile network devices and authentication method for users of mobile network devices
US2006009536919 Dec 20054 May 2006Eyal HofiDevice, method and system for authorizing transactions
US2006010448516 Nov 200418 May 2006Imageware Systems, Inc.Multimodal biometric platform
US200601232408 Dec 20048 Jun 2006Alison ChaikenSecure biometric authentication system and method of implementation thereof
US200601363368 Nov 200522 Jun 2006Diebold, IncorporatedAutomated banking machine and system
US2006015639524 Jun 200513 Jul 2006Paul FontaineSecurity device and terminal and method for their communication
US2006015843420 Jan 200520 Jul 2006Zank Anthony EElectronic payment terminal with active cover
US2006017329118 Jan 20063 Aug 2006Glossop Neil DElectromagnetically tracked K-wire device
US200601737915 Apr 20063 Aug 2006First Usa Bank, N.A.System for providing cardless payment
US2006017706125 Oct 200510 Aug 2006Orsini Rick LSecure data parser method and system
US2006017893729 Nov 200510 Aug 2006First Usa Bank N.A.System and method for transponder-enabled account transactions
US2006019041922 Feb 200524 Aug 2006Bunn Frank EVideo surveillance data analysis algorithms, with local and network-shared communications for facial, physical condition, and intoxication recognition, fuzzy logic intelligent camera system
US2006020283523 Feb 200614 Sep 2006Osborne Industries, Inc.Dual frequency identification device
US2006020806615 Feb 200621 Sep 2006Dpd Patent TrustRFID token with multiple interface controller
US2006021398616 Oct 200228 Sep 2006Digital Data Research CompanySecurity clearance card, system and method of reading a security clearance card
US2006022998821 Jan 200312 Oct 2006Shunichi OshimaCard settlement method using portable electronic device having fingerprint sensor
US2006023752818 Nov 200526 Oct 2006Fred BishopSystems and methods for non-traditional payment
US200602424238 May 200626 Oct 2006Kussmaul John WIsolated authentication device and associated methods
US2006027872315 Aug 200614 Dec 2006Msystems Ltd.Card device for connection to a USB receptacle
US2007000813121 Jun 200511 Jan 2007Doan Christopher HMethod and system for aggregation of RFID signal sources and composite to develop a unique signature
US2007004646815 Aug 20061 Mar 2007Davis Michael LHuman feedback using parasitic power harvesting of rfid tags
US200700577972 Nov 200615 Mar 20073M Innovative Properties CompanyVariable frequency radio frequency identification (rfid) tags
US2007007584120 Nov 20065 Apr 2007Intermec Ip Corp.Data encoding in radio frequency identification transponders
US200701129573 Nov 200617 May 2007Akonix Systems, Inc.Systems and Methods for Remote Rogue Protocol Enforcement
US200701199249 Oct 200631 May 2007Digital Data Research CompanySecurity Clearance Card, System And Method Of Reading A Security Clearance Card
US2007024186118 Apr 200618 Oct 2007Venkatanna Kumar BMethods and systems for secured access to devices and systems
US2007025200125 Apr 20071 Nov 2007Kail Kevin JAccess control system with RFID and biometric facial recognition
US2007025201029 Sep 20061 Nov 2007Carlos GonzalezCredit Card Sized USB Flash Drive
US2007028443212 Jun 200613 Dec 2007Rania AbouyounesMethod and system for flexible purchases using only fingerprints at the time and location of purchase
US200702965447 Sep 200727 Dec 2007American Express Travel Related Services Company, Inc.Method for using a sensor to register a biometric for use with a transponder-reader system related applications
US200702965516 Sep 200727 Dec 2007American Express Travel Related Services Company, Inc.System for biometric security using a fob
US200702997827 Sep 200727 Dec 2007American Express Travel Related Services Company, Inc.System and method for proffering multiple biometrics for use with a fob
US200702997837 Sep 200727 Dec 2007American Express Travel Related Services Company, Inc.System and method for proffering multiple biometrics for use with a fob
US2008000669126 Sep 200710 Jan 2008American Express Travel Related Services Company, Inc.Method and system for smellprint recognition biometrics on a smartcard
US2008000835921 Sep 200710 Jan 2008American Express Travel Related Services Company, Inc.System for biometric security using a fob
US2008000836326 Sep 200710 Jan 2008American Express Travel Related Services Company, Inc.Method and system for keystroke scan recognition biometrics on a smartcard
US2008001021421 Sep 200710 Jan 2008American Express Travel Related Services Company, Inc.System for biometric security using a smartcard
US2008001183021 Sep 200717 Jan 2008American Express Travel Related Services Company, Inc.System for biometric security using a smartcard
US2008001183126 Sep 200717 Jan 2008American Express Travel Related Services Company, Inc.Method and system for smellprint recognition biometrics on a smartcard
US2008001379625 Sep 200717 Jan 2008American Express Travel Related Services Company, Inc.System for biometric security using a smartcard
US2008001380726 Sep 200717 Jan 2008American Express Travel Related Services Company, Inc.Method and system for keystroke scan recognition biometrics on a smartcard
US200800159417 Sep 200717 Jan 2008American Express Travel Related Services Company, Inc.Method for using a sensor to register a biometric for use with a transponder-reader system related applications
US2008001599226 Sep 200717 Jan 2008American Express Travel Related Services Company, Inc.Method for registering a biometric for use with a smartcard
US2008001599326 Sep 200717 Jan 2008American Express Travel Related Services Company, Inc.Method for registering a biometric for use with a smartcard
US2008001599427 Sep 200717 Jan 2008American Express Travel Related Services Company, Inc.Biometric safeguard method with a smartcard
US200800160027 Sep 200717 Jan 2008American Express Travel Related Services Company, Inc.Method for using a sensor to register a biometric for use with a transponder-reader system related applications
US2008003372220 Sep 20077 Feb 2008American Express Travel Related Services Company, Inc.Method and system for hand geometry recognition biometrics on a fob
US2008006724225 Sep 200720 Mar 2008American Express Travel Related Services Company, Inc.System for biometric security using a smartcard
US2008007206526 Sep 200720 Mar 2008American Express Travel Related Services Company, Inc.Method and system for smellprint recognition biometrics on a smartcard
USD6146614 Feb 192112 Sep 1922 Design fob a business cakix
USD2703037 Aug 198130 Aug 1983Enger Kress CompanyCombined wallet and clip
USD27054610 Mar 198113 Sep 1983Ab Id-KortTransaction identification card
USD2802147 Apr 198320 Aug 1985 Credit card
USD30797917 Jul 198722 May 1990 Combined key ring and change purse
USD3103867 Aug 19874 Sep 1990Visa International Service AssociationTransaction card
USD38497128 Aug 199614 Oct 1997Transaction Technology, Inc.Smart card with chip bearing a source identifier
USD40686125 Jun 199816 Mar 1999Retail Royalty CompanyPartially transparent card with opaque machine-readable and signature-receiving stripes
USD4080542 Jul 199713 Apr 1999Retail Royalty CompanyPartially transparent card with opaque machine-readable and signature-receiving stripes
USD43293929 Apr 199831 Oct 2000 Foldable medical identification system locket with readable electronic chip
USD45316011 May 200129 Jan 2002Bank Of America CorporationData card
USD45316111 May 200129 Jan 2002Bank Of America CorporationData card
USD45333711 May 20015 Feb 2002Bank Of America CorporationData card
USD45333811 May 20015 Feb 2002Bank Of America CorporationData card
USD45351611 May 200112 Feb 2002Bank Of America CorporationData card
USD4549106 Jul 200026 Mar 2002Mci Worldcom, Inc.Card with keytag
USD4575568 Dec 200021 May 2002Discover Financial Services, Inc.Credit card
USD46045511 May 200116 Jul 2002Bank Of America CorporationData card
USD46147711 May 200113 Aug 2002Bank Of America CorporationData card
USD46296511 May 200117 Sep 2002Bank Of America CorporationData card
USD46296622 May 200117 Sep 2002Bank Of America CorporationData card
USD47423416 Aug 20016 May 2003Discover Financial Services, Inc.Credit card and case
USD50924322 May 20036 Sep 2005Mastercard International IncorporatedCard
USH212010 Oct 20025 Jul 2005The United States Of America As Represented By The Secretary Of The Air ForceBiometric personal identification credential system (PICS)
USRE3658029 Apr 199822 Feb 2000Wizards, LlcSystem for verifying use of credit/identification card including recording physical attributes of unauthorized users
USRE378226 Apr 200027 Aug 2002Tc (Bermuda) License, Ltd.Automated vehicle parking system for a plurality of remote parking facilities
CA2300241A18 Mar 20008 Sep 2000Lenexa Card, L.L.C.A keytag card having encodeable magnetic strip
CH689070A5 Title not available
CH689680A5 Title not available
DE2847756B23 Nov 197821 Aug 1980Hermann 7742 St Georgen StockburgerTitle not available
DE3636921A130 Oct 19865 May 1988Interflex DatensystFaelschungssicherer optoelektrischer code-kartenleser
DE3941070C28 Dec 198912 Sep 1991Dirk 1000 Berlin De LehnartzTitle not available
DE4339460C119 Nov 19936 Apr 1995Siemens AgVerfahren zur Authentifizierung eines Systemteils durch ein anderes Systemteil eines Informationsübertragungssystems nach dem Challenge-and Response-Prinzip
DE10203926A131 Jan 200214 Aug 2003Richard BrandtData carrier e.g. smart card with personal data security, has storage element for encoded person-specific data based on biometric characteristics
DE19741726A122 Sep 19977 May 1998Tongsai RaekchamnanTelephone number notebook with insertion guide e.g. for phone card
DE29702538U113 Feb 19973 Apr 1997Pixyfoto GmbhAusweiskarte im Format einer Kredit- oder Scheckkarte
EP0181770A27 Nov 198521 May 1986Canadian Patents and Development Limited Société Canadienne des Brevets et d'Exploitation LimitéeA method of manufacturing an optical interference authenticating device
EP0343829A316 May 19899 May 1990Time And Data Systems International LimitedCard or badge for carrying data and reader therefor
EP0354817B111 Aug 198911 Jan 1995Esselte Meto International GmbHBar code printing
EP0368570A32 Nov 198911 Mar 1992Kyodo Printing Co., Ltd.Optical card
EP0388090B19 Mar 19901 Mar 1995THOMAS DE LA RUE & COMPANY LIMITEDSheet with security device
EP0403134A24 Jun 199019 Dec 1990British Technology Group LimitedHolograms
EP0411602A31 Aug 199025 Mar 1992Omron CorporationObject having visible pattern including invisible information printed thereon
EP0473998A317 Aug 199115 Apr 1992Eric BauerMethod of fabricating an infermation card incorporating works and information card incorporating marks obtained by this method
EP0481388B114 Oct 199118 Jun 1997GAO Gesellschaft für Automation und Organisation mbHData storage medium in form of card with several layers and method for the production
EP0531605B127 Jan 199216 Dec 1998Nhk Spring Co.Ltd.Transparent optical identification label
EP0552047B115 Jan 199321 Aug 1996Hitachi Maxell Ltd.Infrared-absorbing mark printed matter
EP0560318B110 Mar 199329 Jul 1998Omron CorporationOptical card and device to read same
EP0568185B123 Mar 199312 Jul 2000Nhk Spring Co.Ltd.System identifying the authenticity of an article
EP0657297B110 Dec 199330 Jul 1997AGFA-GEVAERT naamloze vennootschapSecurity document having a transparent or translucent support and containing interference pigments.
EP0721850A39 Jan 19965 Feb 1997De La Rue Thomas & Co LtdSecurity document
EP0735505B128 Mar 199628 Nov 2001Tokai Rika Co., Ltd.IC card
EP0780839A319 Dec 199618 Mar 1998Canon Kabushiki KaishaOptical recording medium and process for production thereof
EP0789316B17 Feb 199727 Apr 2005Kabushiki Kaisha ToshibaMethod of reading pattern and optical signal reader
EP0854461B113 Nov 199715 Oct 2008Ncr International Inc.Self service terminal (SST) with maintenance feature
EP0866420A318 Mar 199819 Sep 2001Time and Data Systems International LimitedIdentification card or badge
EP0894620B116 Apr 19976 Jun 2007Kanebo Trinity Holdings, Ltd.Near infrared ray absorption film and multi-layered panel including same
EP0916519A16 Nov 199819 May 1999Meiller Comcard GmbHPortable card
EP0917120A310 Nov 199810 Jan 2001Citicorp Development Center, Inc.Virtual wallet system
EP0927945B111 Sep 199823 Apr 2003Amazon.Com, Inc.Method and system for placing a purchase order via a communications network
EP0949595A226 Mar 199913 Oct 1999Citicorp Development Center, Inc.Method and system for managing applications for a multi-function smartcard
EP0949595A326 Mar 199926 Sep 2001Citicorp Development Center, Inc.Method and system for managing applications for a multi-function smartcard
EP1017030A229 Dec 19995 Jul 2000International Business Machines CorporationFour-party credit/debit payment protocol
EP1017030A329 Dec 19993 Dec 2003International Business Machines CorporationFour-party credit/debit payment protocol
EP1115095A325 Mar 199920 Mar 2002Orbis Patents LimitedCredit card system and method
EP1345146A227 Feb 200317 Sep 2003Ncr International Inc.Customer activity data system and method
EP1345146A327 Feb 20037 Jan 2004Ncr International Inc.Customer activity data system and method
EP1610273A125 Jun 200428 Dec 2005STMicroelectronics Belgium N.V.Improved security device and terminal and method for communication between them
GB1371254A Title not available
GB2088110B Title not available
GB2108906B Title not available
GB2240948A Title not available
GB2281714B Title not available
GB2350021A Title not available
GB2361790A Title not available
JP2000048153A Title not available
JP2000163538A Title not available
JP2000177229A Title not available
JP2000194799A Title not available
JP2000222176A Title not available
JP2000252854A Title not available
JP2001134536A Title not available
JP2001160105A Title not available
JP2001315475A Title not available
JP2001504406A Title not available
JP2002032687A Title not available
JP2002109584A Title not available
JP2002133335A Title not available
JP2002133336A Title not available
JP2002157530A Title not available
JP2002163585A Title not available
JP2002183443A Title not available
JP2002274087A Title not available
JP2003288646A Title not available
JP2004164347A Title not available
JP2004348478A Title not available
JPH0569689B2 Title not available
JPH0950505A Title not available
JPH0952240A Title not available
JPH02130737A Title not available
JPH02252149A Title not available
JPH03290780A Title not available
JPH04303692A Title not available
JPH05254283A Title not available
JPH06183187A Title not available
JPH06191137A Title not available
JPH06234287A Title not available
JPH07173358A Title not available
JPH07205569A Title not available
JPH08244385A Title not available
JPH08324163A Title not available
JPH09274640A Title not available
JPH10129161A Title not available
JPH10289296A Title not available
JPH10302160A Title not available
JPH10334206A Title not available
JPH10340231A Title not available
JPH11175640A Title not available
JPH11227367A Title not available
JPH11353425A Title not available
JPS425596Y1 Title not available
JPS644934Y2 Title not available
JPS6243774Y2 Title not available
JPS6371794U Title not available
JPS6372721U Title not available
JPS6398689U Title not available
JPS6487395A Title not available
JPS6487396A Title not available
JPS6487397A Title not available
JPS61100436U Title not available
JPS62264999A Title not available
JPS63175987U Title not available
WO1981000776A18 Sep 198019 Mar 1981H WinderlichProcess for data protection
WO1989003760A114 Oct 19885 May 1989Dennison Manufacturing CompanyEmbossing of coated sheets
WO1990008661A130 Jan 19909 Aug 1990Dai Nippon Insatsu Kabushiki KaishaThermal transfer recording medium
WO1991008910A17 Dec 199027 Jun 1991Dirk LehnartzInformation and publicity supports, especially presentation and/or business cards
WO1992016913A120 Mar 19921 Oct 1992The Security Systems Consortium LimitedSecuring financial transactions
WO1995035546A17 Jun 199528 Dec 1995Satyan PitrodaUniversal electronic transaction card and system and methods of conducting electronic transactions
WO1995035546A91 Feb 1996 Universal electronic transaction card and system and methods of conducting electronic transactions
WO1996006409A125 Aug 199529 Feb 1996Geefield Pty. Ltd.Method and apparatus for providing identification
WO1996018972A16 Dec 199520 Jun 1996Moore Business Forms, Inc.Multi-layer bar code arrangement using wavelength separation
WO1997009688A329 Aug 199610 Apr 1997Microsoft CorpUntraceable electronic cash
WO1997040459A118 Feb 199730 Oct 1997Novus International, Inc.Integrated system monitoring use of materials, controlling and monitoring delivery of materials and providing automated billing of delivered materials
WO1998021683A26 Nov 199722 May 1998Finjan Software, Ltd.System and method for protecting a computer and a network from hostile downloadables
WO1998021683A36 Nov 19979 Jul 1998Finjan Software LtdSystem and method for protecting a computer and a network from hostile downloadables
WO1998022291A35 Nov 199715 Oct 1998Eastman Chem CoSecurity document and method using invisible coded markings
WO1998045778A28 Apr 199815 Oct 1998Marc ZutaAntivirus system and method
WO1998045778A38 Apr 199830 Dec 1998Marc ZutaAntivirus system and method
WO1999012136A13 Aug 199811 Mar 1999Koninklijke Philips Electronics N.V.Method of, and system for, effecting cashless transactions and a device for use in such a system
WO1999014055A114 Sep 199825 Mar 1999Governor And Company Of The Bank Of EnglandItems requiring verification
WO1999021321A120 Oct 199829 Apr 1999Cygnaworx CorporationDigitally certifying a user identity and a computer system in combination
WO1999027492A121 Nov 19983 Jun 1999Holger MackenthunGateway apparatus for designing and issuing multiple application cards
WO1999040548A128 Jan 199912 Aug 1999Mondex International LimitedConfiguration of ic card
WO1999047983A111 Mar 199923 Sep 1999Ovd Kinegram AgTransparent and semitransparent diffractive elements, particularly holograms and their making process
WO1999049424A125 Mar 199930 Sep 1999Orbis Patents LimitedCredit card system and method
WO2000049586A118 Feb 200024 Aug 2000Orbis Patents LimitedCredit card system and method
WO2000073989A111 May 20007 Dec 2000GemplusAdapter for a chip card having a reduced format in comparison with the standard sim mini-card format
WO2001013320A39 Aug 200011 Oct 2001Ahrens Hans JoachimMagnetic card
WO2001018745A95 Sep 200026 Sep 2002American Express Travel RelateTransparent transaction card with infrared blocking layer
WO2001025872A229 Sep 200012 Apr 2001Perfect Plastic Printing CorporationTransparent/translucent financial transaction card
WO2001055955A922 Jan 200117 Oct 2002Internat Apparel Group LlcA multi-application smart card with currency exchange, location tracking, and personal identification capabilities
WO2001078024A311 Apr 200128 Feb 2002Mastercard International IncAn improved method and system for conducting secure payments over a computer network
WO2001086535A19 May 200115 Nov 2001Cadmus LimitedMethod and apparatus for providing an integrated loyalty system
WO2001086599A313 Apr 200120 Jun 2002Jacob HassanSmart communications
WO2003007623A210 Jul 200223 Jan 2003American Express Travel Related Services Compagny, IncSystem and method for payment using radio frequency identification in contact and contactless transactions
WO2004052657A310 Dec 200312 Aug 2004American Express Travel RelateFoldable transaction card systems
Non-Patent Citations
Reference
1"Core One Credit Union-Discover The Advantage," http://coreone.org/2visa.html, Copyright 2001 (last visited Oct. 9, 2002).
2"Core One Credit Union—Discover The Advantage," http://coreone.org/2visa.html, Copyright 2001 (last visited Oct. 9, 2002).
3"Credit Card Offer Travelers New Benefit," PR Newswire, Aug. 5, 1987.
4"Inside's Next Gen Smart Card: The French company plans to introduce an RFID card that uses a 16-bit microprocessor and new encryption technology," RFID Journal, Oct. 29, 2002.
5"ISO Standards," available from http://www.iso.ch/projects/loading.html, Oct. 18, 2000.
6"ISO Standards," available from http://www.iso.ch/projects/loading.html.
7"New Evidence about Positive Three-Tier Co-Pay Performance Presented at Express Scripts 2000 Outcomes Conference," PR Newswire Association, Inc., Jun. 28, 2000.
8"Prestige Credit Cards: Those Pricey Plastics," Changing Times, Apr. 1986.
9"Shell Introduces Optional Credit Card." The Associated Press, Sep. 3, 1985.
10"Shell Introducing Expanded ‘Signature’ Credit Card," Tulsa Business Chronicle, Sep. 5, 1985.
11"Shell Introducing Expanded 'Signature' Credit Card," Tulsa Business Chronicle, Sep. 5, 1985.
12"Shell-Oil: Introduces Shell Signature Travel and Entertainment Credit Card," Business Wire, Sep. 3, 1985.
13"Smart Card Technology and Applications"; http://disc.cba/uh/edul-rhirsch/fall96/lara.htm (8 pages).
14"Sony, Phillips to Test RFID Platform", RFID Journal, May 8, 2003.
15"The Bank Credit Card Business," American Bankers Association, 1996, all pages.
16"The Chase Manhattan Bank Today Announced a Comprehensive Program to Enhance the Value of All of its Credit Cards," PR Newswire, Dec. 18, 1986.
17Advisory Action issued Apr. 30, 2008 in U.S. Appl. No. 10/810,469.
18Advisory Action issued Aug. 29, 2008 in U.S. Appl. No. 11/851,533.
19Advisory Action issued Aug. 6, 2008 in U.S. Appl. No. 11/160,627.
20Advisory Action issued Dec. 19, 2005 in U.S. Appl. No. 10/710,334.
21Advisory Action issued Dec. 20, 2005 in U.S. Appl. No. 10/708,822.
22Advisory Action issued Dec. 29, 2005 in U.S. Appl. No. 10/710,310.
23Advisory Action issued Feb. 10, 2006 in U.S. Appl. No. 10/710,307.
24Advisory Action issued Feb. 10, 2006 in U.S. Appl. No. 10/710,308.
25Advisory Action issued Feb. 10, 2006 in U.S. Appl. No. 10/710,309.
26Advisory Action issued Feb. 10, 2006 in U.S. Appl. No. 10/710,332.
27Advisory Action issued Feb. 15, 2006 in U.S. Appl. No. 10/711,773.
28Advisory Action issued Feb. 9, 2006 in U.S. Appl. No. 10/708,838.
29Advisory Action issued Feb. 9, 2006 in U.S. Appl. No. 10/708,839.
30Advisory Action issued Feb. 9, 2006 in U.S. Appl. No. 10/710,331.
31Advisory Action issued Jan. 10, 2007 in U.S. Appl. No. 10/708,822.
32Advisory Action issued Jan. 12, 2007 in U.S. Appl. No. 10/708,837.
33Advisory Action issued Jan. 12, 2007 in U.S. Appl. No. 10/710,326.
34Advisory Action issued Jan. 12, 2007 in U.S. Appl. No. 10/710,335.
35Advisory Action issued Jan. 5, 2007 in U.S. Appl. No. 10/710,307.
36Advisory Action issued Jan. 5, 2007 in U.S. Appl. No. 10/710,332.
37Advisory Action issued Jan. 8, 2007 in U.S. Appl. No. 10/710,308.
38Advisory Action issued Jul. 11, 2008 in U.S. Appl. No. 10/708,597.
39Advisory Action issued Jul. 29, 2008 in U.S. Appl. No. 10/708,547.
40Advisory Action issued Jul. 31, 2008 in U.S. Appl. No. 10/711,965.
41Advisory Action issued Jul. 5, 2006 in U.S. Appl. No. 10/906,732.
42Advisory Action issued Mar. 8, 2006 in U.S. Appl. No. 10/710,335.
43Advisory Action issued May 18, 2005 in U.S. Appl. No. 10/611,563.
44Advisory Action issued Nov. 10, 2005 in U.S. Appl. No. 10/192,488.
45Advisory Action issued Oct. 6, 2006 in U.S. Appl. No. 10/611,563.
46Advisory Action issued Sep. 10, 2008 in U.S. Appl. No. 10/711,964.
47Advisory Action issued Sep. 18, 2008 in U.S. Appl. No. 11/552,886.
48Advisory Action issued Sep. 5, 2008 in U.S. Appl. No. 10/708,840.
49Advisory Action issued Sep. 5, 2008 in U.S. Appl. No. 10/710,611.
50Advisory Action mailed Aug. 19, 2008 in U.S. Appl. No. 10/340,352.
51American Express, "Private Payments (SM) ; A New Level of Security from American Express," American Express Website, Cards, Aug. 22, 2001.
52American Express, "Private Payments (SM) ; A New Level of Security from American Express," American Express Website, Cards.
53Blythe, I., "Smarter, More Secure Smartcards," BYTE, Jun. 1997, pp. 63-64.
54Business Wire (press release), "Master Card E-Wallet," Jul. 11, 2000.
55Carey, Gordon, "Multi-tier Copay," Pharmaceutical Executive, Feb. 2000.
56CNN.com, U.S. News, "American Express to offer disposable credit card numbers," Sep. 8, 2000, Associated Press, www.cnn.c.
57Crumbaugh, Darlene M., "Effective Marketing Positions: Check card as consumer lifeline," Hoosier Banker, Apr. 1998, p. 10, vol. 82, issue 4.
58Derfler, "How Networks Work," Bestseller Edition 1996, Ziff-Davis Press, Emeryville, CA, all pages.
59Dhem, et al., "SCALPS: Smart Card for Limited Payment Systems," IEEE Micro, Jun. 1996, pp. 42-51.
60Examination Report dated Feb. 8, 2006 for EP02748120.9.
61Examination Report dated Jun. 16, 2008 for SG200608843-9.
62Examination Report dated Jun. 22, 2007 for GB 0700319.7.
63Examination Report dated Mar. 8, 2005 for EP02748120.9.
64Examination Report dated Nov. 22, 2007 for GB 0700319.7.
65Examination Report dated Oct. 24, 2007 for EP02748120.9.
66Examination Report dated Oct. 26, 2006 for EP03763325.2.
67Examiner's Report dated Oct. 5, 2006 for AU2002318293.
68Ex-Parte Quayle Action issued Dec. 14, 2005 in U.S. Appl. No. 10/708,549.
69Ex-Parte Quayle Action issued Jun. 6, 2005 in U.S. Appl. No. 10/710,484.
70Fancher, C.H., "In Your Pocket Smartcards," IEEE Spectrum, Feb. 1997, pp. 47-53.
71Final Office Action dated Oct. 4, 2007 in JP2004-562629.
72Final Office Action issued Apr. 21, 2008 in U.S. Appl. No. 11/161,105.
73Final Office Action issued Aug. 18, 2008 in U.S. Appl. No. 10/711,965.
74Final Office Action issued Aug. 18, 2008 in U.S. Appl. No. 11/164,352.
75Final Office Action issued Aug. 22, 2008 in U.S. Appl. No. 10/876,822.
76Final Office Action issued Aug. 3, 2006 in U.S. Appl. No. 10/876,822.
77Final Office Action issued Aug. 6, 2008 in U.S. Appl. No. 11/552,886.
78Final Office Action issued Dec. 15, 2005 in U.S. Appl. No. 10/710,335.
79Final Office Action issued Feb. 14, 2008 in U.S. Appl. No. 10/708,547.
80Final Office Action issued Jan. 11, 2008 in U.S. Appl. No. 10/810,469.
81Final Office Action issued Jan. 25, 2007 in U.S. Appl. No. 10/708,839.
82Final Office Action issued Jul. 10, 2008 in U.S. Appl. No. 10/746,781.
83Final Office Action issued Jul. 13, 2006 in U.S. Appl. No. 10/710,315.
84Final Office Action issued Jul. 17, 2008 in U.S. Appl. No. 10/708,840.
85Final Office Action issued Jul. 18, 2006 in U.S. Appl. No. 10/710,317.
86Final Office Action issued Jul. 18, 2007 in U.S. Appl. No. 10/876,822.
87Final Office Action issued Jul. 21, 2006 in U.S. Appl. No. 10/708,828.
88Final Office Action issued Jul. 23, 2008 in U.S. Appl. No. 10/711,720.
89Final Office Action issued Jul. 25, 2008 in U.S. Appl. No. 11/851,533.
90Final Office Action issued Jul. 28, 2005 in U.S. Appl. No. 10/710,307.
91Final Office Action issued Jul. 31, 2008 in U.S. Appl. No. 11/851,556.
92Final Office Action issued Jun. 24, 2008 in U.S. Appl. No. 11/160,627.
93Final Office Action issued Jun. 30, 2008 in U.S. Appl. No. 10/711,964.
94Final Office Action issued Mar. 17, 2008 in U.S. Appl. No. 10/708,597.
95Final Office Action issued Mar. 24, 2005 in U.S. Appl. No. 10/611,563.
96Final Office Action issued Mar. 28, 2008 in U.S. Appl. No. 10/711,965.
97Final Office Action issued Mar. 8, 2006 in U.S. Appl. No. 10/906,732.
98Final Office Action issued May 11, 2006 in U.S. Appl. No. 10/708,825.
99Final Office Action issued May 17, 2006 in U.S. Appl. No. 10/708,823.
100Final Office Action issued May 17, 2006 in U.S. Appl. No. 10/708,824.
101Final Office Action issued May 17, 2006 in U.S. Appl. No. 10/708,826.
102Final Office Action issued May 17, 2006 in U.S. Appl. No. 10/708,835.
103Final Office Action issued May 21, 2007 in U.S. Appl. No. 10/711,966.
104Final Office Action issued May 25, 2006 in U.S. Appl. No. 10/708,829.
105Final Office Action issued May 25, 2006 in U.S. Appl. No. 10/708,834.
106Final Office Action issued May 25, 2006 in U.S. Appl. No. 10/708,836.
107Final Office Action issued May 25, 2006 in U.S. Appl. No. 10/708,841.
108Final Office Action issued May 28, 2008 in U.S. Appl. No. 10/710,611.
109Final Office Action issued May 31, 2006 in U.S. Appl. No. 10/611,563.
110Final Office Action issued May 9, 2006 in U.S. Appl. No. 10/708,827.
111Final Office Action issued Nov. 1, 2005 in U.S. Appl. No. 10/711,773.
112Final Office Action issued Nov. 2, 2005 in U.S. Appl. No. 10/708,822.
113Final Office Action issued Nov. 21, 2005 in U.S. Appl. No. 10/708,839.
114Final Office Action issued Nov. 21, 2005 in U.S. Appl. No. 10/710,307.
115Final Office Action issued Nov. 21, 2005 in U.S. Appl. No. 10/710,309.
116Final Office Action issued Nov. 21, 2005 in U.S. Appl. No. 10/710,332.
117Final Office Action issued Nov. 29, 2005 in U.S. Appl. No. 10/708,838.
118Final Office Action issued Nov. 29, 2005 in U.S. Appl. No. 10/710,308.
119Final Office Action issued Nov. 29, 2005 in U.S. Appl. No. 10/710,331.
120Final Office Action issued Oct. 10, 2006 in U.S. Appl. No. 10/708,597.
121Final Office Action issued Oct. 10, 2006 in U.S. Appl. No. 10/708,837.
122Final Office Action issued Oct. 10, 2006 in U.S. Appl. No. 10/710,307.
123Final Office Action issued Oct. 10, 2006 in U.S. Appl. No. 10/710,308.
124Final Office Action issued Oct. 10, 2006 in U.S. Appl. No. 10/710,326.
125Final Office Action issued Oct. 10, 2006 in U.S. Appl. No. 10/710,332.
126Final Office Action issued Oct. 19, 2005 in U.S. Appl. No. 10/710,310.
127Final Office Action issued Oct. 19, 2006 in U.S. Appl. No. 10/708,822.
128Final Office Action issued Oct. 19, 2006 in U.S. Appl. No. 10/710,335.
129Final Office Action issued Sep. 25, 2006 in U.S. Appl. No. 10/192,488.
130Final Office Action issued Sep. 30, 2005 in U.S. Appl. No. 10/710,334.
131Final Office Action issued Sep. 8, 2005 in U.S. Appl. No. 10/192,488.
132Final Office Action mailed Jun. 13, 2008 in U.S. Appl. No. 10/340,352.
133Financial Technology International Bulletin, V14, n1, p. 4, Sep. 1996.
134Gabber, et al., "Agora: A Minimal Distributed Protocol for Electronic Commerce," USENIX Oakland, CA, Nov. 18, 1996.
135Geer, et al., "Token-Mediated Certification and Electronic Commerce," Proc. 2nd USENIX Workshop on Electronic Commerce, Nov. 18-21, 1996, pp. 13-22.
136Gobioff, et al., "Smart Cards in Hostile Environments," Proc. 2nd USENIX Workshop in Electronic Commerce, Nov. 18-21, 1996, pp. 23-28.
137Goldman, J., "Internet Security, The Next Generation, When Software Encryption is not Enough," Web Techniques, Nov. 1997, pp. 43-46.
138Goldwasser, Joan, "Best of the Cash-Back Cards," Kiplinger's Personal Finance Magazine, Apr. 1999.
139Gralia, "How the Internet Works," Millennium Edition, 1999, Que Corporation, Indianapolis, IN, all pages.
140Green, Thomas C., "American Express Offers temporary CC numbers for the web," Sep. 9, 2000, The Register, www.theregister.c.uk/c.
141hllp:l/www.palowireless.com/infotoolh/lutorial.asp, Apr. 28, 2003.
142hllp:l/www.palowireless.com/infotoolh/lutorial/profiles.asp, Apr. 28, 2003.
143hllp:l/www.palowireless.com/infotoolh/whatis.asp, Apr. 28, 2003.
144hllp:l/www.semiconductors.phillips.com/news/contenl/file—878.hlml, Apr. 7, 2003.
145http://www.palowireless.com/infotooth/lutoria1/12cap.asp, Apr. 28, 2003.
146http://www.palowireless.com/infotooth/lutorial/baseband.asp, Apr. 28, 2003.
147http://www.palowireless.com/infotooth/lutorial/hci.asp, Apr. 28, 2003.
148http://www.palowireless.com/infotooth/lutorial/Imp.asp, Apr. 28, 2003.
149http://www.palowireless.com/infotooth/lutorial/k1—gap.asp, Apr. 28, 2003.
150http://www.palowireless.com/infotooth/lutorial/radio.asp, Apr. 28, 2003.
151http://www.palowireless.com/infotooth/lutorial/rfcomm.asp, Apr. 28, 2003.
152http://www.palowireless.com/infotooth/lutorial/sdp.asp, Apr. 28, 2003.
153IPER dated Jan. 10, 2005 for PCT/US02/32653.
154IPER dated Jan. 20, 2005 for PCT/US03/34602.
155IPRP (Ch 1) dated Apr. 19, 2007 for PCT/US05/07195.
156IPRP (Ch 1) dated Apr. 26, 2007 for PCT/US05/36828.
157IPRP (Ch 1) dated Apr. 26, 2007 for PCT/US05/36848.
158IPRP dated Aug. 16, 2006 for PCT/US05/09452.
159IPRP dated Jan. 5, 2007 for PCT/US05/09452.
160IPRP dated Mar. 15, 2007 for PCT/US05/19388.
161ISO/IEC 7816-4:1995(E)—First Edition—Sep. 1, 1995.
162ISO/IEC 7816-6:1996(E)—First Edition—May 15, 1996.
163ISR dated Apr. 22, 2004 for PCT/US03/21279.
164ISR dated Apr. 22, 2004 for PCT/US03/21280.
165ISR dated Apr. 22, 2004 for PCT/US03/21447.
166ISR dated Dec. 30, 2002 for PCT/US02/0219903.
167ISR dated Mar. 17, 2003 for PCT/US02/32653.
168ISR dated Mar. 26, 2004 for PCT/US03/34602.
169ISR/WO dated Aug. 17, 2006 for PCT/US05/36828.
170ISR/WO dated Aug. 19, 2008 for PCT/US05/07905.
171ISR/WO dated Feb. 16, 2007 for PCT/US05/36848.
172ISR/WO dated Jul. 11, 2008 for PCT/US06/07570.
173ISR/WO dated Jul. 9, 2008 for PCT/US06/45362.
174ISR/WO dated Jun. 20, 2005 for PCT/US05/07195.
175ISR/WO dated Nov. 16, 2005 for PCT/US05/09452.
176ISR/WO dated Oct. 10, 2006 for PCT/US05/19388.
177ISR/WO issued Jan. 29, 2008 in PCT/US06/22542.
178Kuntz, Mary, "Credit Cards as Good as Gold," Forbes, Nov. 4, 1985.
179Lahey, Liam, "Microsoft Bolsters Rebate Structure," Computer Dealer News, Feb. 8, 2002.
180Lamond, "Credit Card Transactions Real World and Online," Copyright 1996.
181Leach, Dr. J., "Dynamic Authentication for Smartcards," Computers and Security, vol. 14, No. 5, 1995, pp. 385-389.
182Manninger, et al., "Adapting an Electronic Purse for Internet Payments," ACISP '98 Proceedings, Jul. 13-15, 1998, pp. 205-214.
183Martin, Zack, "One-Time Numbers Stop Web Hackers From Pilfering Data," Jan. 2001, Card Marketing, Thomson Financial, www.c rdf rum.c.
184Menezes, et al., "Handbook of Applied Cryptography," 1997, CRC Press, Chapter 10.
185Muller, "Desktop Encyclopedia of the Internet," 1999, Artech House Inc., Norwood, MA, all pages.
186Non-Final Office Action issued Apr. 1, 2008 in U.S. Appl. No. 10/810,473.
187Non-Final Office Action issued Apr. 10, 2006 in U.S. Appl. No. 10/710,334.
188Non-Final Office Action issued Apr. 10, 2007 in U.S. Appl. No. 10/710,307.
189Non-Final Office Action issued Apr. 11, 2008 in U.S. Appl. No. 11/552,886.
190Non-Final Office Action issued Apr. 17, 2006 in U.S. Appl. No. 10/708,822.
191Non-Final Office Action issued Apr. 18, 2006 in U.S. Appl. No. 10/708,838.
192Non-Final Office Action issued Apr. 19, 2007 in U.S. Appl. No. 10/710,335.
193Non-Final Office Action issued Apr. 20, 2005 in U.S. Appl. No. 10/192,488.
194Non-Final Office Action issued Apr. 20, 2007 in U.S. Appl. No. 10/710,332.
195Non-Final Office Action issued Apr. 23, 2007 in U.S. Appl. No. 10/708,822.
196Non-Final Office Action issued Apr. 23, 2007 in U.S. Appl. No. 10/708,837.
197Non-Final Office Action issued Apr. 3, 2008 in U.S. Appl. No. 11/860,726.
198Non-Final Office Action issued Apr. 4, 2007 in U.S. Appl. No. 10/711,965.
199Non-Final Office Action issued Apr. 5, 2006 in U.S. Appl. No. 10/710,310.
200Non-Final Office Action issued Aug. 11, 2004 in U.S. Appl. No. 10/611,563.
201Non-Final Office Action issued Aug. 4, 2008 in U.S. Appl. No. 11/306,617.
202Non-Final Office Action issued Aug. 8, 2005 in U.S. Appl. No. 10/708,838.
203Non-Final Office Action issued Aug. 8, 2005 in U.S. Appl. No. 10/710,335.
204Non-Final Office Action issued Aug. 8, 2007 in U.S. Appl. No. 10/708,597.
205Non-Final Office Action issued Dec. 11, 2007 in U.S. Appl. No. 10/711,966.
206Non-Final Office Action issued Dec. 11, 2007 in U.S. Appl. No. 11/851,533.
207Non-Final Office Action issued Dec. 13, 2005 in U.S. Appl. No. 10/708,825.
208Non-Final Office Action issued Dec. 13, 2007 in U.S. Appl. No. 10/318,432.
209Non-Final Office Action issued Dec. 15, 2005 in U.S. Appl. No. 10/708,829.
210Non-Final Office Action issued Dec. 16, 2005 in U.S. Appl. No. 10/708,835.
211Non-Final Office Action issued Dec. 16, 2005 in U.S. Appl. No. 10/708,836.
212Non-Final Office Action issued Dec. 9, 2003 in U.S. Appl. No. 10/242,584.
213Non-Final Office Action issued Feb. 11, 2008 in U.S. Appl. No. 11/851,623.
214Non-Final Office Action issued Feb. 15, 2008 in U.S. Appl. No. 11/858,393.
215Non-Final Office Action issued Feb. 25, 2008 in U.S. Appl. No. 10/708,569.
216Non-Final Office Action issued Feb. 25, 2008 in U.S. Appl. No. 10/711,964.
217Non-Final Office Action issued Feb. 26, 2008 in U.S. Appl. No. 11/859,153.
218Non-Final Office Action issued Feb. 26, 2008 in U.S. Appl. No. 11/859,171.
219Non-Final Office Action issued Feb. 28, 2006 in U.S. Appl. No. 10/709,815.
220Non-Final Office Action issued Feb. 6, 2007 in U.S. Appl. No. 10/876,822.
221Non-Final Office Action issued Feb. 8, 2008 in U.S. Appl. No. 11/851,580.
222Non-Final Office Action issued Feb. 9, 2006 in U.S. Appl. No. 10/710,315.
223Non-Final Office Action issued Feb. 9, 2006 in U.S. Appl. No. 10/710,317.
224Non-Final Office Action issued Jan. 10, 2006 in U.S. Appl. No. 10/708,827.
225Non-Final Office Action issued Jan. 10, 2008 in U.S. Appl. No. 10/708,840.
226Non-Final Office Action issued Jan. 18, 2006 in U.S. Appl. No. 10/192,488.
227Non-Final Office Action issued Jan. 20, 2006 in U.S. Appl. No. 10/708,834.
228Non-Final Office Action issued Jan. 22, 2008 in U.S. Appl. No. 11/858,958.
229Non-Final Office Action issued Jan. 27, 2005 in U.S. Appl. No. 10/710,334.
230Non-Final Office Action issued Jan. 27, 2006 in U.S. Appl. No. 10/708,828.
231Non-Final Office Action issued Jan. 28, 2008 in U.S. Appl. No. 10/876,822.
232Non-Final Office Action issued Jan. 30, 2006 in U.S. Appl. No. 10/708,841.
233Non-Final Office Action issued Jan. 4, 2008 in U.S. Appl. No. 11/851,556.
234Non-Final Office Action issued Jan. 8, 2007 in U.S. Appl. No. 10/611,563.
235Non-Final Office Action issued Jul. 10, 2008 in U.S. Appl. No. 11/163,595.
236Non-Final Office Action issued Jul. 12, 2005 in U.S. Appl. No. 10/708,822.
237Non-Final Office Action issued Jul. 17, 2005 in U.S. Appl. No. 10/708,548.
238Non-Final Office Action issued Jul. 19, 2005 in U.S. Appl. No. 10/710,309.
239Non-Final Office Action issued Jul. 19, 2005 in U.S. Appl. No. 10/710,332.
240Non-Final Office Action issued Jul. 27, 2005 in U.S. Appl. No. 10/611,563.
241Non-Final Office Action issued Jul. 29, 2005 in U.S. Appl. No. 10/710,308.
242Non-Final Office Action issued Jul. 29, 2005 in U.S. Appl. No. 10/710,331.
243Non-Final Office Action issued Jul. 8, 2005 in U.S. Appl. No. 10/708,839.
244Non-Final Office Action issued Jun. 18, 2007 in U.S. Appl. No. 10/611,563.
245Non-Final Office Action issued Jun. 20, 2006 in U.S. Appl. No. 10/318,480.
246Non-Final Office Action issued Jun. 24, 2008 in U.S. Appl. No. 11/161,295.
247Non-Final Office Action issued Jun. 27, 2008 in U.S. Appl. No. 10/318,432.
248Non-Final Office Action issued Jun. 6, 2005 in U.S. Appl. No. 10/708,830.
249Non-Final Office Action issued Jun. 6, 2005 in U.S. Appl. No. 10/708,833.
250Non-Final Office Action issued Mar. 10, 2008 in U.S. Appl. No. 11/160,627.
251Non-Final Office Action issued Mar. 11, 2008 in U.S. Appl. No. 11/164,352.
252Non-Final Office Action issued Mar. 18, 2008 in U.S. Appl. No. 11/860,704.
253Non-Final Office Action issued Mar. 22, 2006 in U.S. Appl. No. 10/708,597.
254Non-Final Office Action issued Mar. 22, 2006 in U.S. Appl. No. 10/708,837.
255Non-Final Office Action issued Mar. 22, 2006 in U.S. Appl. No. 10/710,326.
256Non-Final Office Action issued Mar. 23, 2006 in U.S. Appl. No. 10/318,432.
257Non-Final Office Action issued Mar. 26, 2008 in U.S. Appl. No. 10/905,005.
258Non-Final Office Action issued Mar. 4, 2008 in U.S. Appl. No. 10/711,720.
259Non-Final Office Action issued Mar. 9, 2006 in U.S. Appl. No. 10/710,323.
260Non-Final Office Action issued Mar. 9, 2006 in U.S. Appl. No. 10/710,330.
261Non-Final Office Action issued May 1, 2007 in U.S. Appl. No. 10/318,432.
262Non-Final Office Action issued May 1, 2007 in U.S. Appl. No. 10/710,308.
263Non-Final Office Action issued May 1, 2007 in U.S. Appl. No. 10/710,326.
264Non-Final Office Action issued May 1, 2008 in U.S. Appl. No. 11/861,347.
265Non-Final Office Action issued May 1, 2008 in U.S. Appl. No. 11/861,354.
266Non-Final Office Action issued May 1, 2008 in U.S. Appl. No. 11/861,463.
267Non-Final Office Action issued May 1, 2008 in U.S. Appl. No. 11/861,626.
268Non-Final Office Action issued May 1, 2008 in U.S. Appl. No. 11/862,268.
269Non-Final Office Action issued May 13, 2008 in U.S. Appl. No. 10/708,545.
270Non-Final Office Action issued May 15, 2007 in U.S. Appl. No. 10/708,831.
271Non-Final Office Action issued May 17, 2005 in U.S. Appl. No. 10/711,773.
272Non-Final Office Action issued May 17, 2007 in U.S. Appl. No. 10/810,469.
273Non-Final Office Action issued May 2, 2006 in U.S. Appl. No. 10/708,839.
274Non-Final Office Action issued May 2, 2006 in U.S. Appl. No. 10/710,307.
275Non-Final Office Action issued May 2, 2006 in U.S. Appl. No. 10/710,308.
276Non-Final Office Action issued May 2, 2006 in U.S. Appl. No. 10/710,309.
277Non-Final Office Action issued May 2, 2008 in U.S. Appl. No. 11/861,351.
278Non-Final Office Action issued May 2, 2008 in U.S. Appl. No. 11/861,600.
279Non-Final Office Action issued May 25, 2007 in U.S. Appl. No. 10/710,327.
280Non-Final Office Action issued May 3, 2006 in U.S. Appl. No. 10/710,331.
281Non-Final Office Action issued May 3, 2006 in U.S. Appl. No. 10/710,332.
282Non-Final Office Action issued May 4, 2006 in U.S. Appl. No. 10/711,970.
283Non-Final Office Action issued May 6, 2005 in U.S. Appl. No. 10/710,310.
284Non-Final Office Action issued May 8, 2008 in U.S. Appl. No. 11/861,481.
285Non-Final Office Action issued May 9, 2006 in U.S. Appl. No. 10/710,335.
286Non-Final Office Action issued Nov. 1, 2006 in U.S. Appl. No. 10/905,006.
287Non-Final Office Action issued Nov. 1, 2007 in U.S. Appl. No. 10/711,613.
288Non-Final Office Action issued Nov. 1, 2007 in U.S. Appl. No. 10/746,781.
289Non-Final Office Action issued Nov. 16, 2005 in U.S. Appl. No. 10/611,563.
290Non-Final Office Action issued Nov. 22, 2005 in U.S. Appl. No. 10/876,822.
291Non-Final Office Action issued Nov. 27, 2006 in U.S. Appl. No. 10/708,832.
292Non-Final Office Action issued Nov. 28, 2005 in U.S. Appl. No. 10/708,823.
293Non-Final Office Action issued Nov. 28, 2005 in U.S. Appl. No. 10/708,824.
294Non-Final Office Action issued Nov. 29, 2005 in U.S. Appl. No. 10/708,826.
295Non-Final Office Action issued Oct. 10, 2006 in U.S. Appl. No. 10/710,324.
296Non-Final Office Action issued Oct. 10, 2006 in U.S. Appl. No. 10/710,325.
297Non-Final Office Action issued Oct. 15, 2007 in U.S. Appl. No. 11/161,105.
298Non-Final Office Action issued Oct. 16, 2007 in U.S. Appl. No. 10/711,965.
299Non-Final Office Action issued Oct. 17, 2007 in U.S. Appl. No. 10/710,611.
300Non-Final Office Action issued Oct. 3, 2006 in U.S. Appl. No. 10/711,966.
301Non-Final Office Action issued Oct. 4, 2005 in U.S. Appl. No. 10/708,830.
302Non-Final Office Action issued Sep. 17, 2006 in U.S. Appl. No. 10/708,550.
303Non-Final Office Action issued Sep. 17, 2006 in U.S. Appl. No. 10/708,585.
304Non-Final Office Action issued Sep. 19, 2006 in U.S. Appl. No. 10/710,311.
305Non-Final Office Action issued Sep. 19, 2006 in U.S. Appl. No. 10/710,319.
306Non-Final Office Action issued Sep. 19, 2006 in U.S. Appl. No. 10/710,329.
307Non-Final Office Action issued Sep. 21, 2006 in U.S. Appl. No. 10/710,328.
308Non-Final Office Action issued Sep. 24, 2007 in U.S. Appl. No. 10/708,547.
309Non-Final Office Action issued Sep. 8, 2005 in U.S. Appl. No. 10/906,732.
310Non-Final Office Action mailed Feb. 8, 2008 in U.S. Appl. No. 10/340,352.
311Notice of Abandonment issued Apr. 20, 2007 in U.S. Appl. No. 10/710,315.
312Notice of Abandonment issued Aug. 16, 2007 in U.S. Appl. No. 10/708,832.
313Notice of Abandonment issued Aug. 23, 2007 in U.S. Appl. No. 10/710,329.
314Notice of Abandonment issued Aug. 9, 2007 in U.S. Appl. No. 10/710,319.
315Notice of Abandonment issued Dec. 12, 2006 in U.S. Appl. No. 10/710,323.
316Notice of Abandonment issued Dec. 19, 2006 in U.S. Appl. No. 10/710,309.
317Notice of Abandonment issued Jan. 10, 2007 in U.S. Appl. No. 10/710,331.
318Notice of Abandonment issued Jan. 25, 2007 in U.S. Appl. No. 10/708,825.
319Notice of Abandonment issued Jan. 5, 2007 in U.S. Appl. No. 10/708,823.
320Notice of Abandonment issued Jan. 5, 2007 in U.S. Appl. No. 10/708,824.
321Notice of Abandonment issued Jan. 5, 2007 in U.S. Appl. No. 10/708,826.
322Notice of Abandonment issued Jan. 5, 2007 in U.S. Appl. No. 10/708,827.
323Notice of Abandonment issued Jan. 5, 2007 in U.S. Appl. No. 10/708,829.
324Notice of Abandonment issued Jan. 5, 2007 in U.S. Appl. No. 10/708,834.
325Notice of Abandonment issued Jan. 5, 2007 in U.S. Appl. No. 10/708,835.
326Notice of Abandonment issued Jan. 5, 2007 in U.S. Appl. No. 10/708,836.
327Notice of Abandonment issued Jun. 28, 2007 in U.S. Appl. No. 10/710,311.
328Notice of Abandonment issued Jun. 28, 2007 in U.S. Appl. No. 10/710,328.
329Notice of Abandonment issued Jun. 4, 2007 in U.S. Appl. No. 10/710,325.
330Notice of Abandonment issued Mar. 22, 2007 in U.S. Appl. No. 10/708,828.
331Notice of Abandonment issued Mar. 22, 2007 in U.S. Appl. No. 10/710,317.
332Notice of Abandonment issued Mar. 6, 2008 in U.S. Appl. No. 10/708,831.
333Notice of Abandonment issued Nov. 1, 2006 in U.S. Appl. No. 10/708,838.
334Notice of Abandonment issued Nov. 17, 2006 in U.S. Appl. No. 10/710,330.
335Notice of Abandonment issued Nov. 6, 2006 in U.S. Appl. No. 10/710,334.
336Notice of Abandonment issued Oct. 11, 2007 in U.S. Appl. No. 10/708,839.
337Notice of Abandonment issued Oct. 11, 2007 in U.S. Appl. No. 10/710,324.
338Notice of Abandonment issued Oct. 20, 2006 in U.S. Appl. No. 10/710,310.
339Notice of Allowance issued Aug. 11, 2006 in U.S. Appl. No. 10/906,732.
340Notice of Allowance issued Aug. 2, 2005 in U.S. Appl. No. 10/710,484.
341Notice of Allowance issued Aug. 5, 2008 in U.S. Appl. No. 10/810,469.
342Notice of Allowance issued Dec. 9, 2005 in U.S. Appl. No. 10/708,833.
343Notice of Allowance issued Feb. 2, 2007 in U.S. Appl. No. 10/192,488.
344Notice of Allowance issued Feb. 2, 2007 in U.S. Appl. No. 10/711,970.
345Notice of Allowance issued Jan. 24, 2007 in U.S. Appl. No. 10/318,480.
346Notice of Allowance issued Jan. 31, 2006 in U.S. Appl. No. 10/708,548.
347Notice of Allowance issued Jul. 12, 2007 in U.S. Appl. No. 10/905,006.
348Notice of Allowance issued Jul. 14, 2008 in U.S. Appl. No. 11/860,726.
349Notice of Allowance issued Jul. 3, 2008 in U.S. Appl. No. 11/161,105.
350Notice of Allowance issued Jul. 3, 2008 in U.S. Appl. No. 11/860,704.
351Notice of Allowance issued Jul. 9, 2004 in U.S. Appl. No. 10/242,584.
352Notice of Allowance issued Jun. 19, 2008 in U.S. Appl. No. 11/859,171.
353Notice of Allowance issued Jun. 20, 2008 in U.S. Appl. No. 11/859,153.
354Notice of Allowance issued Mar. 2, 2006 in U.S. Appl. No. 10/708,830.
355Notice of Allowance issued May 11, 2007 in U.S. Appl. No. 10/708,550.
356Notice of Allowance issued May 11, 2007 in U.S. Appl. No. 10/708,585.
357Notice of Allowance issued May 17, 2006 in U.S. Appl. No. 10/711,773.
358Notice of Allowance issued May 8, 2006 in U.S. Appl. No. 10/708,549.
359Notice of Allowance issued Nov. 13, 2007 in U.S. Appl. No. 10/710,327.
360Notice of Allowance issued Oct. 12, 2007 in U.S. Appl. No. 10/708,837.
361Notice of Allowance issued Oct. 31, 2007 in U.S. Appl. No. 10/708,831.
362Notice of Allowance issued Oct. 4, 2007 in U.S. Appl. No. 10/710,307.
363Notice of Allowance issued Oct. 4, 2007 in U.S. Appl. No. 10/710,326.
364Notice of Allowance issued Oct. 4, 2007 in U.S. Appl. No. 10/710,332.
365Notice of Allowance issued Oct. 6, 2006 in U.S. Appl. No. 10/708,841.
366Notice of Allowance issued Sep. 19, 2007 in U.S. Appl. No. 10/708,822.
367Notice of Allowance issued Sep. 19, 2007 in U.S. Appl. No. 10/710,335.
368Notice of Allowance issued Sep. 24, 2007 in U.S. Appl. No. 10/611,563.
369Notice of Allowance issued Sep. 26, 2006 in U.S. Appl. No. 10/709,815.
370Notice of Allowance issued Sep. 26, 2007 in U.S. Appl. No. 10/710,308.
371Nyman, Judy, "Free Income Tax Clinics are Opening as Apr. 30 Deadline Draws Nearer," The Toronto Star, Final Edition, Mar. 25, 1986.
372Obel, Michael, "Oil Companies Push Marketing, Cost Cutting to Fortify Earnings," Oil & Gas Journal, Sep. 16, 1985.
373Obongo.com Website, "Obongo," Aug. 8, 2000 (Description of wallet toolbar also available at http://www.obongo.com/chabi/website/index.htm).
374Office Action dated Apr. 14, 2008 for CA2570739.
375Office Action dated Apr. 25, 2008 in CA 2,452,351.
376Office Action dated Aug. 1, 2007 in JP2003-513257.
377Office Action dated Aug. 3, 2006 in JP2004-562629.
378Office Action dated Dec. 19, 2007 for CA2458143.
379Office Action dated Dec. 30, 2005 for CN02813783.3.
380Office Action dated Feb. 16, 2005 for TW092131042.
381Office Action dated Jan. 27, 2005 in NZ530497.
382Office Action dated Jan. 29, 2007 for CA2458143.
383Office Action dated Jan. 29, 2008 in JP2003-513257.
384Office Action dated Jul. 11, 2007 for MX PA/a/2004/000253.
385Office Action dated Jun. 18, 2008 for AU2005270228.
386Office Action dated Jun. 28, 2007 in CA 2,452,351.
387Office Action dated Mar. 6, 2008 for AU2005270228.
388Office Action dated Mar. 8, 2007 for AR 041912 A1.
389Office Action dated Mar. 8, 2007 in JP2004-562629.
390Office Action dated Mar. 9, 2006 in JP2003-513257.
391Office Action dated May 16, 2007 for CN02813783.3.
392Office Action dated May 18, 2006 for AR 041912 A1.
393Office Action dated May 23, 2008 for JP2004-543166.
394Office Action dated Oct. 20, 2006 in JP2003-513257.
395Office Action dated Oct. 4, 2007 for JP2007-026166.
396PR Newswire (press release), "Providian Launches Nation's First Clear Chip Card," Sep. 12, 2000. The press release may be related to the art of the invention, but based upon the information in the press release, it is unclear if the press release is prior art. However, in an abundance of caution the Applicant desires to put the press release into the file wrapper.
397Restriction Requirement issued Aug. 17, 2008 in U.S. Appl. No. 10/711,613.
398Restriction Requirement issued Aug. 20, 2008 in U.S. Appl. No. 11/851,623.
399Restriction Requirement issued Jan. 17, 2007 in U.S. Appl. No. 10/318,432.
400Restriction Requirement issued Mar. 22, 2007 in U.S. Appl. No. 10/708,597.
401Schmuckler, Eric, "Playing Your Cards Right," Forbes, Dec. 28, 1987.
402Search Report dated May 23, 2008 for GB 0700319.7.
403Simmons, J., "Smart Cards Hold the Key to Secure Internet Commerce," EC World, Dec. 1998, pp. 36-38.
404Smith, M.T., "Smart Cards: Integrating for Portable Complexity," Computer-Integrated Engineering, Aug. 1998, pp. 110-115.
405Supplemental Notice of Allowance issued Aug. 4, 2006 in U.S. Appl. No. 10/708,830.
406Supplemental Notice of Allowance issued Dec. 11, 2007 in U.S. Appl. No. 10/710,308.
407Supplemental Notice of Allowance issued Dec. 20, 2007 in U.S. Appl. No. 10/708,837.
408Supplemental Notice of Allowance issued Feb. 23, 2006 in U.S. Appl. No. 10/708,833.
409Supplemental Notice of Allowance issued Mar. 13, 2007 in U.S. Appl. No. 10/318,480.
410Supplemental Notice of Allowance issued Nov. 8, 2007 in U.S. Appl. No. 10/710,326.
411Supplemental Notice of Allowance issued Nov. 8, 2007 in U.S. Appl. No. 10/710,332.
412Supplemental Notice of Allowance issued Nov. 8, 2007 in U.S. Appl. No. 710,307.
413Supplemental Notice of Allowance issued Oct. 25, 2007 in U.S. Appl. No. 10/710,335.
414Supplemental Search Report dated May 26, 2006 for EP03763325.2.
415Supplemental Search Report dated Nov. 16, 2004 for EP02748120.9.
416The Dollar Stretcher, "Disposable Credit Card Numbers," Jan. 2001, CardRatings.org, www.stretcher.c.
417Transport Layer Security Working Group, "The SSL Protocol, Version 3.0," Nov. 18, 1996 (also available at http://home.netscape.com/eng/ssl3/draft302.txt).
418Turban, et al., "Using Smartcards in Electronic Commerce," Proc. 31st Annual Hawaii Inter. Conf. on System Sciences, vol. 4, 1998, pp. 62-69.
419U.S. Appl. No. 60/395,606, filed Jul. 15, 2002.
420US Banker, Article 5, 1995, http://www.banking.com/us-banker/art 5.
421Wayner, P., "Digital Cash," AP Professional, 1996, pp. 76-83, 85-100.
422White, "How Computers Work," Millennium Edition, 1999, Que Corporation, Indianapolis, IN, all pages.
423WO dated Aug. 27, 2004 for PCT/US02/32653.
424WO dated Oct. 13, 2004 for PCT/US03/34602.
425Wu, et al., "Authenticating Passwords Over an Insecure Channel," Computers and Security, vol. 15, No. 5, 1996, pp. 431-439.
426Yan, et al., "Banking on the Internet and Its Applications," Proc. 13th Annual Hawaii International Conference on System Sciences, vol. 4, 1997, pp. 275-284.
Classifications
U.S. Classification235/380, 340/5.8, 340/5.9, 713/172
International ClassificationH04L9/32, H04B1/00
Cooperative ClassificationG06Q20/327, G06Q20/40, G07C9/00119, G06Q20/3278, G06Q20/00, G06Q20/04, G07C9/00111, G06Q20/10, G06Q20/382, G06Q20/14, G06Q20/20, G07F7/1083
Legal Events
DateCodeEventDescription
20 Nov 2015ASAssignment
Owner name: CHARTOLEAUX KG LIMITED LIABILITY COMPANY, DELAWARE
Free format text: MERGER;ASSIGNOR:XATRA FUND MX, LLC;REEL/FRAME:037148/0811
Effective date: 20150812