US Patent No: 7,542,942

Number of patents in Portfolio can not be more than 2000

System and method for securing sensitive information during completion of a transaction

ALSO PUBLISHED AS: 20050033686

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Abstract

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A system and method for securing a Radio Frequency (RF) transaction using a proxy code, which is permanently assigned to the RF identification device (RFID) transaction account number. An account issuer permanently assigns the proxy code to a transaction account correlated to the RFID transaction device. The proxy code is uploaded onto the transaction device for later use in completing a transaction request. During transaction completion, the proxy code is provided to a merchant system in lieu of any sensitive transaction account information. Since the proxy code is permanently assigned, the number need not be changed or updated once uploaded into a payment device or merchant system. Since the proxy code contains no sensitive information, the sensitive information related to the transaction account is secured from theft where the merchant system internal security measures may fail.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
III HOLDINGS 1, LLCWILMINGTON, DE787

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Peart, Lee J Epsom, GB 22 228
Saunders, Peter D Salt Lake City, US 132 2051

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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5,373,303 Built-in chip transponder with antenna coil 80 1992
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5,858,006 Hypodermic needle with a protrusion 97 1993
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5,646,607 Transponder/interrogator protocol in a multi-interrogator field 96 1995
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5,557,279 Unitarily-tuned transponder/shield assembly 110 1996
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5,581,630 Personal identification 246 1996
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6,101,174 Low power, short range point-to-multipoint communications systems 140 1997
5,905,798 TIRIS based kernal for protection of "copyrighted" program material 156 1997
5,970,148 Low cost encryption transponder 89 1997
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6,266,754 Secure computing device including operating system stored in non-relocatable page of memory 80 1999
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2002/0178,063 Community concept for payment using RF ID transponders 158 2001
 
Martiz, Inc. (1)
5,689,100 Debit card system and method for implementing incentive award program 431 1996
 
CITICORP CREDIT SERVICES, INC. (USA) (5)
6,012,049 System for performing financial transactions using a smartcard 184 1998
6,442,532 Wireless transaction and information system 243 1998
2002/0062,284 METHOD AND SYSTEM OF CONTACTLESS INTERFACING FOR SMART CARD BANKING 133 1999
6,289,324 System for performing financial transactions using a smart card 161 2000
* 2004/0010,462 Method and system for a multi-purpose transactional platform 185 2003
 
THIRD ACT LLC (1)
6,044,360 Third party credit card 348 1997
 
LUCENT TECHNOLOGIES INC. (6)
5,544,246 Smartcard adapted for a plurality of service providers and for remote installation of same 400 1993
5,649,118 Smart card with multiple charge accounts and product item tables designating the account to debit 512 1994
5,608,778 Cellular telephone as an authenticated transaction controller 197 1994
5,577,120 Method and apparatus for restrospectively identifying an individual who had engaged in a commercial or retail transaction or the like 130 1995
5,898,783 System and method for employing a telecommunications network to remotely disable a SIM or smartcard 147 1996
6,006,216 Data architecture for fetch-intensive database applications 134 1997
 
USA Technologies, Inc. (2)
6,895,310 Vehicle related wireless scientific instrumentation telematics 86 2002
6,853,894 Global network based vehicle safety and security telematics 99 2002
 
PRICELINE.COM INCORPORATED (1)
6,041,308 System and method for motivating submission of conditional purchase offers 301 1998
 
MOTOROLA, INC. (2)
5,221,838 Electronic wallet 564 1992
2003/0112,972 Data carrier for the secure transmission of information and method thereof 83 2001
 
NET1 HOLDINGS S.A.R.L. (1)
RE36788 Funds transfer system 139 1997
 
MFH, LLC (1)
6,609,655 Smart card system for providing financial, travel, and entertainment-related services 108 2000
 
CLEARCOMMERCE CORPORATION (1)
5,966,697 System and method for secure transaction order management processing 186 1997
 
DH TECHNOLOGY, INC. (1)
5,331,138 Hybrid card reader 97 1992
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5,698,837 Method and system for identifying and communicating with a plurality of contactless IC cards 189 1995
 
HALIMI, EDWARD MAYER (1)
6,102,672 Motor-driven centrifugal air compressor with internal cooling airflow 99 1997
 
CLEARING HOUSE PAYMENTS COMPANY L.L.C., THE (1)
6,173,272 Electronic funds transfer method and system and bill presentment method and system 262 1998
 
ROTA FINANCIAL TRANSFER LLC (1)
6,021,943 Process for executing payment transactions 149 1997
 
ADVANCED SOFTWARE DESIGN CORPORATION (1)
2004/0089,711 Payment validation network 4 2003
 
ANDREWS, GEORGE F. (1)
5,099,226 Intelligent security system 150 1991
 
ENGINEERED MATERIALS SOLUTIONS, INC. (1)
5,226,989 Method for reducing thickness of a titanium foil or thin strip element 75 1991
 
OMRON TATEISI ELECTRONICS CO. (1)
4,736,094 Financial transaction processing system using an integrated circuit card device 220 1985
 
XATRA FUND MX, LLC (1)
2003/0167,207 System and method for incenting payment using radio frequency identification in contact and contactless transactions 150 2003
 
IER (1)
2003/0054,836 Method and device for time control of movement or position of persons, animals or objects 54 2002
 
VANGUARD IDENTIFICATION SYSTEMS, INC. (2)
6,769,718 Printed sheet products 72 2000
6,994,262 Printed sheet products with integral, removable, radio frequency identification elements 77 2002
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (4)
5,949,044 Method and apparatus for funds and credit line transfers 363 1997
6,018,718 Method and system for processing customized reward offers 357 1997
6,163,771 Method and device for generating a single-use financial account number 275 1997
6,598,024 Method and system for processing supplementary product sales at a point-of-sale terminal 126 1999
 
ORBIS PATENTS LTD. (4)
6,029,890 User-Specified credit card system 227 1998
7,136,835 Credit card system and method 103 2000
2003/0018,567 Business-to-business commerce using financial transaction numbers 120 2002
2003/0028,481 Credit card system and method 276 2002
 
VIP DATA SECURITY MGMT. L.L.C. (1)
6,853,987 Centralized authorization and fraud-prevention system for network-based transactions 90 1999
 
AFFINION NET PATENTS, INC. (1)
6,009,412 Fully integrated on-line interactive frequency and award redemption program 288 1998
 
WALKER DIGITAL, LLC (3)
6,330,544 System and process for issuing and managing forced redemption vouchers having alias account numbers 169 1999
2003/0055,727 Method and apparatus for facilitating the provision of a benefit to a customer of a retailer 125 2002
2003/0177,347 Methods and apparatus for awarding prizes based on authentication of computer generated outcomes using coupons 138 2002
 
DOSA ADVANCES LLC (1)
6,213,390 Transaction method of electronic money system 84 1996
 
CHESS VENTURES LLC (2)
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 83 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 83 2001
 
Dell USA, L.P. (1)
5,606,594 Communication accessory and method of telecommunicating for a PDA 206 1994
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 317 1997
 
CITICORP (3)
5,485,510 Secure credit/debit card authorization 425 1994
5,914,472 Credit card spending authorization control system 491 1997
6,052,675 Method and apparatus for preauthorizing credit card type transactions 199 1998
 
MIYAKE, SHINTARO (HIS LEGAL HEIRS) (1)
6,029,892 Method for electronically transferring personal information on credit gaining card, and mini IC card, adapter card, terminal adapter, slip issuing device, portable terminal used therein 94 1998
 
WASHINGTON MUTUAL BANK, F.A. (1)
5,734,838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 432 1995
 
TADASHI ETOH (INDIVIDUAL) (1/2 OF RIGHT) (1)
6,260,026 Credit card information management system 129 1997
 
Zowi.com, Inc (1)
6,173,269 Method and apparatus for executing electronic commercial transactions with minors 255 1999
 
WM. WRIGLEY JR. COMPANY (1)
2002/0095,343 Apparatus and method for providing point of purchase products 76 2001
 
Charles E. Hill & Associates, Inc. (1)
5,970,471 Virtual catalog and product presentation method and apparatus 347 1996
 
TRASMO LIMITED (1)
6,364,208 Card changing system 87 1999
 
CLICK SALES INC. (1)
5,930,777 Method of charging for pay-per-access information over a network 217 1997
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (3)
D442627 Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip 124 1999
D442629 Card with an ornamental rectangle 103 1999
D447515 Card with an ornamental rectangle 116 2000
 
VISA INTERNATIONAL SERVICE ASSOCIATION (17)
5,500,513 Automated purchasing control system 251 1994
5,761,306 Key replacement in a public key cryptosystem 242 1996
RE36365 Method and apparatus for distributing currency 281 1996
6,003,014 Method and apparatus for acquiring access using a smart card 157 1997
6,282,522 Internet payment system using smart card 444 1997
6,240,187 Key replacement in a public key cryptosystem 125 1998
6,179,205 System and method for locking and unlocking and application in a smart card 187 1998
6,105,008 Internet loading system using smart card 300 1998
6,560,581 System and method for secure electronic commerce transaction 311 1998
6,018,717 Method and apparatus for acquiring access using a fast smart card transaction 184 1998
6,549,912 Loyalty file structure for smart card 213 1998
6,367,011 Personalization of smart cards 145 1998
6,273,335 System and method for locking and unlocking an application in a smart card 101 2000
2003/0200,184 Mobile account authentication service 177 2003
2003/0195,843 Conducting commerce between individuals with integrated shipping 102 2003
2004/0015,451 Method for conducting financial transactions utilizing infrared data communications 73 2003
2004/0139,021 Method and system for facilitating data access and management on a secure token 139 2003
 
SAMSUNG ELECTRONICS CO., LTD. (1)
6,374,245 Server system communicating with personal digital assistant and communication method thereof 102 1998
 
SONY ELECTRONICS INC. (1)
2002/0026,419 Apparatus and method for populating a portable smart device 67 2000
 
M & R Industries, Inc. (1)
4,839,504 IC card system compatible with bank account system 172 1987
 
QVALENT PTY LIMITED (1)
5,970,475 Electronic procurement system and method for trading partners 618 1997
 
NXP B.V. (1)
6,411,611 Communication systems, communication methods and a method of communicating data within a DECT communication system 126 1998
 
NOT APPLICABLE (1)
6,014,748 System and apparatus for smart card personalization 89 1998
 
DONNELLY CORPORATION (1)
6,547,133 Vehicle mounted remote transaction interface system 144 2000
 
SCAN-EM CORP (1)
5,640,002 Portable RF ID tag and barcode reader 692 1995
 
SPARKCHARGE, INC., A CALIFORNIA CORPORATION (1)
2002/0046,341 System, and method for prepaid anonymous and pseudonymous credit card type transactions 109 2001
 
PENDRAGON WIRELESS LLC (1)
6,198,728 Medium access control (MAC) protocol for wireless ATM 167 1996
 
Intertrust Technologies Corporation (1)
5,949,876 Systems and methods for secure transaction management and electronic rights protection 592 1997
 
UNIVERSITY OF WASHINGTON (1)
5,920,628 Method and apparatus for fingerprinting and authenticating various magnetic media 167 1997
 
CARALINA MARKETING INTERNATIONAL, INC. (1)
6,014,634 System and method for providing shopping aids and incentives to customers through a computer network 651 1997
 
JOAO BOCK TRANSACTION SYSTEMS, LLC (2)
5,878,337 Transaction security apparatus and method 258 1997
5,903,830 Transaction security apparatus and method 318 1997
 
MAXIM INTEGRATED PRODUCTS, INC. (1)
6,105,013 Method, apparatus, system and firmware for secure transactions 110 1998
 
OneName Corporation (1)
6,088,717 Computer-based communication system and method using metadata defining a control-structure 521 1998
 
GEPA HOLDINGS LIMITED LIABILITY COMPANY (1)
6,219,439 Biometric authentication system 308 1999
 
NOKIA CORPORATION (1)
2002/0194,303 Portable shopping assistant 80 2001
 
GEMALTO SA (2)
5,625,695 Process for generating DSA signatures with low-cost portable apparatuses 100 1994
6,226,382 Method for implementing a private-key communication protocol between two processing devices 72 1997
 
NANOPIERCE TECHNOLOGIES, INC. (1)
6,853,087 Component and antennae assembly in radio frequency identification devices 104 2001
 
NCR CORPORATION (5)
5,594,233 Multiple standard smart card reader 176 1995
5,770,843 Access card for multiple accounts 351 1996
6,011,487 System and method of locating wireless devices 84 1996
2002/0079,367 Method and apparatus for operating a self-service checkout terminal to access a customer account 87 2000
2002/0028,704 Information gathering and personalization techniques 93 2001
 
CUBIC CORPORATION (3)
6,259,769 Portable smart card communication device 109 1999
6,577,229 Multiple protocol smart card communication device 241 1999
6,480,101 Contactless proximity automated data collection system and method 116 2000
 
PRIVASYS, INC. (2)
2003/0061,168 Method for generating customer secure card numbers 24 2001
2003/0061,168 Method for generating customer secure card numbers 24 2001
 
FIRENSITI II CONSULTING LLC (1)
5,915,023 Automatic portable account controller for remotely arranging for transfer of value to a recipient 171 1997
 
NOKIA TECHNOLOGIES OY (3)
5,887,266 Method for using applications in a mobile station, a mobile station and a system for effecting payments 152 1996
6,771,981 Electronic device cover with embedded radio frequency (RF) transponder and methods of using same 219 2000
2004/0030,601 Electronic payment methods for a mobile device 190 2003
 
AMAZON.COM, INC. (2)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 596 1995
5,960,411 Method and system for placing a purchase order via a communications network 1416 1997
 
Biometric Security Card, Inc. (2)
2002/0138,438 Biometric identification system using biometric images and copy protect code stored on a magnetic stripe and associated methods 84 2002
2002/0196,963 Biometric identification system using a magnetic stripe and associated methods 101 2002
 
Fogdog Sports (1)
5,970,472 Performing electronic commerce on the internet providing links from product manufacturers to authorized dealers where the authorized dealer provides a custom order interface for the manufacturer's products 339 1997
 
JOVIAN HOLDINGS, LLC (1)
2002/0095,298 Blind Gift Method and System 71 1999
 
SAN MATEO INTERNET ASSOCIATES, INC. (1)
2001/0049,628 On-line system for aggregation of purchase bonuses 95 2001
 
T-MOBILE DEUTSCHLAND GMBH (1)
6,690,930 Process to control a subscriber identity module (SIM) in mobile phone system 92 2000
 
Jess-Link Products Co., Ltd. (1)
6,457,996 Connector to PDA external keyboard 85 2001
 
BANK OF AMERICA CORPORATION (3)
5,826,243 Integrated system for controlling master account and nested subaccount(s) 325 1994
6,016,482 Enhanced collateralized funding processor 329 1996
6,108,641 Integrated nested account financial system with medical savings subaccount 267 1998
 
YT ACQUISITION CORPORATION (3)
6,269,348 Tokenless biometric electronic debit and credit transactions 242 1999
6,012,039 Tokenless biometric electronic rewards system 241 1999
6,662,166 Tokenless biometric electronic debit and credit transactions 178 2001
 
VENGTE SOFTWARE AG LIMITED LIABILITY COMPANY (1)
6,587,835 Shopping assistance with handheld computing device 911 2000
 
JSM LLC A COMPANY ORGANIZED IN ILLINOIS (1)
5,614,703 Hotel check-in system with wireless communication 121 1995
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 432 1997
 
Security Dynamics Technologies, Inc. (2)
5,023,908 Method and apparatus for personal identification 133 1989
5,657,388 Method and apparatus for utilizing a token for resource access 333 1994
 
ACTIVEPOINT LTD. (1)
6,070,154 Internet credit card security 109 1998
 
Worcop Investment Ltd. (1)
6,445,794 System and method for synchronizing one time pad encryption keys for secure communication and access control 71 1998
 
YOZAN, INC. (1)
2002/0052,839 Charge collection method 74 2001
 
ACTIVCARD IRELAND LIMITED (1)
5,987,155 Biometric input device with peripheral port 216 1997
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 579 1992
 
CARDIS ENTERPRISES INTERNATIONAL N.V. (1)
6,257,486 Smart card pin system, card, and reader 269 1998
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 375 1997
 
LOGICLINK CORPORATION (1)
5,987,498 Credit card operated computer on-line service communication system 292 1996
 
E-PARCEL CORPORATION (1)
6,058,418 Marketing data delivery system 94 1997
 
EXXONMOBIL RESEARCH AND ENGINEERING COMPANY (1)
2002/0152,123 System and method for processing financial transactions 194 2002
 
PRESTO TECHNOLOGIES, INC. (1)
6,400,272 Wireless transceiver for communicating with tags 270 2000
 
CARNEGIE MELLON UNIVERSITY (1)
6,076,078 Anonymous certified delivery 85 1997
 
NANJI, ANVAR (1)
5,797,133 Method for automatically determining the approval status of a potential borrower 342 1997
 
PHILIPS ELECTRONICS NORTH AMERICA CORPORATION (1)
6,023,510 Method of secure anonymous query by electronic messages transported via a public network and method of response 101 1997
 
A.P.M. Co., Ltd. (1)
5,903,875 Method of issuing a service ticket in transactions of commodities by making use of communication 46 1996
 
TECH LINK INTERNATIONAL ENTERTAINMENT LTD. (1)
5,851,149 Distributed gaming system 689 1995
 
THE WESTERN UNION COMPANY (4)
5,350,906 Currency transfer system and method using fixed limit cards 489 1992
2003/0187,786 Merchant transponder systems using electronic check processing 84 2002
2003/0187,790 Electronic check processing systems 127 2002
2003/0187,796 Systems for processing transponder-based transactions 116 2002
 
KABUSHIKI KAISHA MEISHUN, A CORP. OF JAPAN (1)
4,868,849 Telephone card and telephone card-operated telephone 85 1988
 
AT&T INTELLECTUAL PROPERTY I, L.P. (1)
6,188,994 Internet billing method 178 1998
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 751 1995
 
APPLE INC. (1)
2004/0044,627 Methods, systems and apparatuses for secure transactions 214 2002
 
ASSA ABLOY AB (1)
* 5,832,090 Radio frequency transponder stored value system employing a secure encryption protocol 94 1995
 
GOOGLE TECHNOLOGY HOLDINGS LLC (6)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 274 1996
5,834,756 Magnetically communicative card 254 1996
5,943,624 Contactless smartcard for use in cellular telephone 168 1996
6,206,293 Magnetically communicative card 241 1997
6,378,073 Single account portable wireless financial messaging unit 83 1997
6,466,804 Method and apparatus for remote multiple access to subscriber identity module 117 2000
 
MONDEX INTERNATIONAL LIMITED (6)
6,237,848 Reading data from a smart card 104 1994
5,778,067 Value transfer system 297 1996
5,982,293 Transaction recovery in a value transfer system 69 1998
6,220,510 Multi-application IC card with delegation feature 157 1998
6,742,120 System and method for controlling access to computer code in an IC card 81 1998
6,439,455 Value transfer system 82 2000
 
KAPSCH TRAFFICCOM AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility 145 1998
 
DISNEY ENTERPRISES, INC. (1)
5,963,915 Secure, convenient and efficient system and method of performing trans-internet purchase transactions 592 1996
 
GEMPLUS (1)
6,589,119 Data and value unit transfer system on slot machine network 87 1999
 
RAYTHEON COMPANY (1)
5,864,306 Detection regions for transponder tracking 66 1997
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (8)
6,092,198 System and method for enabling and controlling anonymous file transfer protocol communications 54 1997
6,177,860 Method and economical direct connected apparatus for deploying and tracking computers 177 1998
6,481,621 System method and article of manufacture for accessing and processing smart card information 104 1999
6,427,910 Method for managing and updating overloaded cards 57 1999
7,103,575 Enabling use of smart cards by consumer devices for internet commerce 126 2000
2002/0095,587 Smart card with integrated biometric sensor 173 2001
6,760,581 System and method for improved mobile phone functionality 90 2001
2005/0040,272 Cartridge with slanted memory chip and conforming wall 54 2003
 
WYNN, SOL H. (1)
5,859,419 Programmable multiple company credit card system 440 1995
 
Fairmount Chemical Company, Inc. (1)
4,672,021 Contrast enhancement layer composition with naphthoquinone diazide, indicator dye and polymeric binder 94 1985
 
Tracfone Wireless, Inc. (1)
6,650,887 Mobile phone system with host processor coordination and internal mobile phone accounting capabilities 179 2000
 
TVWORKS, LLC (1)
6,141,752 Mechanism for facilitating secure storage and retrieval of information on a smart card by an internet service provider using various network computer client devices 103 1998
 
FUJITSU LIMITED (6)
5,884,280 System for and method of distributing proceeds from contents 92 1996
6,012,143 Method for managing security for card-type storage medium and a transaction apparatus therefor 63 1996
6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 413 1998
6,513,015 System and method for customer recognition using wireless identification and visual data transmission 167 1998
6,179,206 Electronic shopping system having self-scanning price check and purchasing terminal 205 1998
6,608,995 Detection circuit for proximity IC card device 79 2000
 
FIRST AMERICAN CMSI (1)
5,878,403 Computer implemented automated credit application analysis and decision routing system 482 1995
 
AVERY DENNISON CORPORATION (1)
6,851,617 Laser imageable RFID label/tag 59 2002
 
INFINEON TECHNOLOGIES AG (1)
5,809,633 Method for producing a smart card module for contactless smart cards 148 1997
 
FIRST DATA CORPORATION (3)
6,141,651 Funding and settlement integrated suspense processing system 146 1998
2004/0083,184 Anonymous card transactions 83 2003
7,213,748 Anonymous mailing and shipping transactions 55 2004
 
ROUND ROCK RESEARCH, LLC (5)
5,365,551 Data communication transceiver using identification protocol 288 1992
5,572,226 Spherical antenna pattern(s) from antenna(s) arranged in a two-dimensional plane for use in RFID tags and labels 206 1995
6,061,344 Method of addressing messages and communications system 104 1998
6,112,152 RFID system in communication with vehicle on-board computer 217 1999
6,693,513 Wireless identification device, RFID device with push-on/push off switch, and method of manufacturing wireless identification device 117 2002
 
HARRIS CORPORATION (1)
6,483,477 RF receiving antenna system 52 2000
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 448 1996
 
VOICE SECURITY SYSTEMS, INC. (2)
5,835,894 Speaker and command verification method 83 1997
6,519,565 Method of comparing utterances for security control 93 2000
 
BRIDGEPOINT SYSTEMS, INC. (1)
6,223,984 Distinct smart card reader having wiegand, magnetic strip and bar code types emulation output 175 1997
 
ISLIP TECHNOLOGIES LLC (1)
6,325,285 Smart card with integrated fingerprint reader 231 1999
 
Innovatron (1)
6,325,293 Method and system for using a microcircuit card in a plurality of applications 65 2000
 
PAYPAL, INC. (2)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 826 1994
6,267,292 Method and apparatus for funds and credit line transfers 299 1999
 
MORPHO (1)
6,494,380 IC card having fingerprint sensor designed to withstand bending 76 2001
 
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (2)
6,227,447 Cardless payment system 418 1999
2003/0187,787 System and process for performing purchase transactions using tokens 147 2003
 
OBERTHUR CARD SYSTEMS SA (1)
6,484,937 Method for storing data in a chip card rewritable memory 110 1999
 
MICROSOFT TECHNOLOGY LICENSING, LLC (18)
5,594,227 System and method for protecting unauthorized access to data contents 157 1995
5,852,812 Billing system for a network 565 1995
5,878,141 Computerized purchasing system and method for mediating purchase transactions over an interactive network 489 1995
5,768,385 Untraceable electronic cash 158 1995
5,721,781 Authentication system and method for smart card transactions 621 1995
5,742,756 System and method of using smart cards to perform security-critical operations requiring user authorization 169 1996
5,878,138 System and method for detecting fraudulent expenditure of electronic assets 113 1996
6,038,551 System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer 462 1996
5,778,069 Non-biased pseudo random number generator 180 1996
5,918,216 Automatic recognition of periods for financial transactions 81 1996
5,897,622 Electronic shopping and merchandising system 648 1996
5,999,914 Electronic promotion system for an electronic merchant system 410 1996
6,070,150 Electronic bill presentment and payment system 442 1996
6,125,352 System and method for conducting commerce over a distributed network 326 1996
6,029,147 Method and system for providing an interface for supporting multiple formats for on-line banking services 132 1997
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 686 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 594 1997
5,958,004 Disabling and enabling transaction committal in transactional application components 106 1997
 
ADVENTURE GALLERY SOFTWARE LIMITED LIABILITY COMPANY (1)
5,930,767 Transaction methods systems and devices 278 1997
 
KONICA CORPORATION (1)
5,407,893 Material for making identification cards 112 1993
 
Jaesent Inc. (2)
5,913,203 System and method for pseudo cash transactions 252 1996
5,956,699 System for secured credit card transactions on the internet 341 1997
 
LOWENSOHN, BRENT (1)
7,069,444 Portable wireless access to computer-based systems 90 2002
 
ENSIGN HOLDINGS (1)
6,483,929 Method and apparatus for histological and physiological biometric operation and authentication 167 2000
 
TRANSMO LIMITED (1)
6,510,998 Card charging system 119 1999
 
GENERAL ELECTRIC COMPANY (1)
6,626,356 Multi-use credit card for financial transactions and vehicle configuration 78 2001
 
GLOBALPLATFORM, INC. (4)
6,005,942 System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart card 323 1998
6,233,683 System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart card 198 1998
6,402,028 Integrated production of smart cards 174 1999
6,481,632 Delegated management of smart card applications 151 1999
 
Obis Patents Ltd. (1)
6,636,833 Credit card system and method 249 1999
 
HARBINGER ENTERPRISES, L.L.C. (1)
6,064,981 Method for online display and negotiation of cargo rates 220 1999
 
PAYTRONIX SYSTEMS, INC. (1)
2003/0009,382 Customer identification, loyalty and merchant payment gateway 226 2002
 
DRESSER, INC. (1)
2003/0025,600 Wireless communication in a retail refueling environment 81 2001
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (4)
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity 259 1995
5,991,748 Methods and apparatus for regenerating a prepaid transaction account 300 1996
6,038,292 Methods and apparatus for language registration of prepaid, remote entry customer account 154 1997
5,923,734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia 180 1997
 
SAT Corporation (1)
6,480,100 Radio frequency identification tag formatting method 143 2001
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 488 1995
 
EASTMAN KODAK COMPANY (2)
2003/0069,828 System for and managing assets using priority tokens 113 2001
2003/0227,550 System and method for providing a customized imaging product or service 78 2002
 
Related Energy & Security (1)
4,475,308 Revolving door system 86 1982
 
FRANCE TELECOM (3)
6,014,646 Process for making a payment using an account manager 141 1996
5,991,413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 227 1997
2003/0163,699 Cryptography method and smart cards microcircuit 75 2003
 
VT TECH CORP. (1)
2003/0195,037 Video gaming machine for casino games 173 2002
 
C-SAM, INC. (1)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 737 1994
 
AT&T CORP. (4)
5,461,217 Secure money transfer techniques using smart cards 315 1994
5,845,267 System and method for billing for transactions conducted over the internet from within an intranet 331 1996
6,024,286 Smart card providing a plurality of independently accessible accounts 188 1997
5,970,473 Video communication device providing in-home catalog services 180 1997
* Cited By Examiner

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (2)
7,813,963 Interactive electronic desktop action method and system for executing a transaction 1 2005
* 2011/0313,873 Form Factor Identification 0 2011
 
DT LABS, LLC (4)
8,359,271 Apparatus for customer authentication of an item 3 2011
8,261,058 System, method and apparatus for electronically protecting data and digital content 1 2011
8,543,806 System, method and apparatus for electronically protecting data and digital content 1 2012
8,826,448 System, method and apparatus for electronically protecting data and digital content 0 2013
 
SWISSCOM AG (4)
* 8,238,874 Method and system for location-dependent billing for services 2 2011
* 2011/0281,553 METHOD AND SYSTEM FOR LOCATION-DEPENDENT BILLING FOR SERVICES 0 2011
8,498,613 Method and system for location-dependent billing for services 0 2012
8,983,430 Method and system for location-dependent billing for services 0 2013
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
* 8,970,375 Memory tag, method for providing information and enabling the release of stored content, and apparatus therefor 0 2006
 
PROPAY, INC. (1)
8,069,121 End-to-end secure payment processes 4 2008
 
DT LABS DEVELOPMENT, LLC (1)
8,613,107 System, method and apparatus for electronically protecting data associated with RFID tags 1 2007
 
FRANCE TELECOM (2)
* 8,341,088 Multipurpose electronic payment method and system 0 2004
* 2008/0294,563 Multipurpose Electronic Payment Method and System 2 2004
 
PROPAY USA, INC. (1)
* 8,812,401 Secure payment capture processes 0 2007
 
FUJITSU LIMITED (1)
* 8,553,886 Method, system, and computer product for managing radio-tag, managing advertisement, and using radio tag 0 2006
 
NOKIA SOLUTIONS AND NETWORKS OY (1)
* 2010/0229,232 SUBSCRIPTION AND DEVICE OF CHARGE CONTROL 0 2008
 
SECUREDPAY SOLUTIONS, INC. (2)
8,356,754 Portable handheld device for wireless order entry and real time payment authorization and related methods 2 2011
8,490,878 Portable handheld device for wireless order entry and real time payment authorization and related methods 0 2012
 
Nexus Payments, LLC (1)
8,768,838 Financial transactions using a rule-module nexus and a user account registry 3 2011
 
Visa U.S.A. Inc. (2)
8,770,470 Device including form factor indicator 0 2009
* 8,224,731 Form factor identification 0 2011
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Dec 2, 2016
11.5 Year Payment $7400.00 $3700.00 $1850.00 Dec 2, 2020
Fee Large entity fee small entity fee micro entity fee
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00