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812results about "Credit registering devices actuation" patented technology

Physical presence digital authentication system

The interactive authentication system allows a consumer to interact with a base station, such as broadcast media (e.g., television and radio) or PC, to receive coupons, special sales offers, and other information with an electronic card. The electronic card can also be used to transmit a signal that can be received by the base station to perform a wide variety of tasks. These tasks can include launching an application, authenticating a user at a website, and completing a sales transaction at a website (e.g., by filling out a form automatically). The interaction between the base station and the electronic card is accomplished by using the conventional sound system in the base station so that a special reader hardware need not be installed to interact with the electronic card. The user is equipped with an electronic card that can receive and transmit data via sound waves. In the various embodiments, the sound waves can be audible or ultrasonic (which can be slightly audible to some groups of people).
Owner:SONIXIO INC

Consumer interactive shopping system

The present invention relates generally to a consumer interactive shopping and marketing system. The system includes a portable data terminal for communicating information over a communication network. The present system has aspects that may be used within a shopping establishment or at a user's home.
Owner:SYMBOL TECH LLC

Interactive shopping system with mobile apparatus

An interactive system adapted for use in a shopping venue, comprises: an interactive and intelligent source of information, for example supplemental information related to articles available for selection by shoppers in a shopping venue, and not otherwise available to the shoppers during shopping; and, a plurality of interactive, mobile apparatus which shoppers can move throughout the shopping venue and use for transmitting queries to the interactive source of information and use for receiving information transmitted from the interactive source of information, whereby shoppers can receive information useful for evaluating the articles when making article selection decisions, and at least some of the received information can be formulated to influence the article selection decisions. At least some of the information transmitted to the shoppers can be responsive to the queries. An artificial intelligence unit can evaluate the queries and select information for inclusion in responses to the queries.
Owner:TAMIRAS PER PTE LTD LLC

Customer activated multi-value (CAM) card

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.
Owner:JPMORGAN CHASE BANK NA

Credit cards system and method having additional features

A credit card system is provided which has the added feature of providing additional limited use credit card numbers and / or cards. These numbers and / or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and / or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.
Owner:ORBIS PATENTS

Method and apparatus for distributing currency

A process which provides electronic access to pre-paid funds for cash or payment for goods and services. A card is issued to a customer with a value selectable by the customer. The card has a magnetic stripe with an encoded card number including a bank identification number (BIN) and an account number. The central card processor establishes a zero balance database including the card numbers, but with blank fields for the customer data and the value of the account. When a customer purchases a card, the sales agent transmits to the central database computer which fills in the blanks in the database, activating the account, and transmits an acknowledgement signal back to the sales agent. The customer can immediately use the card in ATM or other remote terminals to acquire cash or purchase goods and services. The customer inputs a PIN number which is provided with the card, or a customer selected alternative PIN number.
Owner:VISA INT SERVICE ASSOC

Portable shopping and order fulfillment system

The present invention relates to an improved order fulfillment system. The system is provided with improved data entry system for selecting items for purchase by a customer, and an improved item collection terminal and order delivery system. The portable terminal to be used for collecting of items is provided with an audio as well as video presentation means which are used to provide assistance to the to terminal user.
Owner:SYMBOL TECH LLC

Charging station

The present application relates to a charging station operable in a charging cycle for charging an electric vehicle. The charging station has a key-activated controller for controlling the charging cycle. The application also relates to a key for operating the charging station. Furthermore, the application relates to a charging station having an interface for connecting the charging station to a data network. The application also relates to a charging station having a socket for receiving a plug and a key-operated locking mechanism for locking a plug in said socket. A frangible panel movable between an open position and a closed position may be provided. A processor may be provided for generating data to impose a financial charge on an individual for using the charging station. The application also relates to methods of operating a charging station including the steps of obtaining user identification data; supplying electricity to a charging socket; and generating data for levying a financial charge on the user.
Owner:ELEKTROMOTIVE

Wide area gaming and retail player tracking

Systems and methods for tracking, differentiating and awarding loyalty credits to patrons of a gaming establishment are disclosed. Tracking can be facilitated by and loyalty credits can be stored on patron issued loyalty credit instruments such as printed tickets, magnetic-striped cards, room keys, portable wireless devices and smart cards. Loyalty credits can be awarded for and combined with other loyalty credits awarded for gaming activities involving wagers, game play, and possible monetary awards, as well as purchasing activities involving the procurement of food, lodging, entertainment, transportation, merchandise or services. Theoretical all expenditures profiles can be established for patrons based upon the gaming activities and purchasing activities of the patrons. Customized comps can be awarded on the initiative of the gaming establishment and without any specific request from a patron. Such comps can be based on tracked information on gaming activities and purchasing activities of the patrons.
Owner:IGT

Cashless transaction clearinghouse

A disclosed cashless instrument transaction clearinghouse includes a network interface allowing the cashless instrument transaction clearinghouse to communicate with a number of gaming properties and a processor configured to enable the validation of cashless instruments at a gaming property different from where the cashless instrument was generated. Methods are provided at the cashless instrument transaction clearinghouse and at the gaming properties that enable cashless instrument transactions across multiple gaming properties including multi-site promotions. In addition, methods are provided at the cashless instrument transaction clearinghouse that allow 1) a transfer of resources from an account at a first gaming property to an account or device at a second gaming property, 2) account information access, 3) generation of cashless transaction threads comprising a plurality of related cashless transaction, 4) awards and services based upon properties of a cashless transaction thread and 5) local resource accounts maintained at the clearinghouse.
Owner:IGT

Portable electronic terminal and data processing system

The present invention relates to a personal shopping system for combined use in both the home of a user and a shopping establishment. The system includes a host computer which is coupled to a host modem and, optionally, to at least one wireless multi-access point. At least one shopping establishment kiosk cradle is employed to interface with a portable terminal which is also part of the system. The portable terminal can be used in both the shopping establishment and the home of the user. It is configured to read bar codes associated with items related to shopping, and includes a memory, a bar code reader, a wireless transceiver, and a data interface. The data interface of the terminal communicates with a data interface of the shopping establishment kiosk cradle. A home cradle for the portable terminal is also provided and is adapted to remain in the home of the user. It includes a home portable terminal-receiving station and a home data interface to communicate with the data interface of the portable terminal. A home data transfer circuit is also included to permit data exchange between the home data interface and the modem coupled to the host computer.
Owner:SYMBOL TECH INC

System and method for re-associating an account number to another transaction account

A method and system for converting a first transaction account device to a second transaction account device wherein a card number associated with, or defined as, a first transaction account (e.g., stored value account) is re-associated with, or re-defined as, a second transaction account (e.g., credit card account).
Owner:CHARTOLEAUX +1

Tokenless identification system for authorization of electronic transactions and electronic transmissions

A tokenless identification system and method for authorization of transactions and transmissions. The tokenless system and method are principally based on a correlative comparison of a unique biometrics sample, such as a finger print or voice recording, gathered directly from the person of an unknown user, with an authenticated biometrics sample of the same type obtained and stored previously. It can be networked to act as a full or partial intermediary between other independent computer systems, or may be the sole computer systems carrying out all necessary executions. It further contemplates the use of a private code that is returned to the user after the identification has been complete, authenticating and indicating to the user that the computer system was accessed. The identification system and method of additionally include emergency notification to permit an authorized user to alert authorities an access attempt is coerced.
Owner:EXCEL INNOVATIONS +1

Self scanning and check out shopping cart-based electronic advertising system

A console for the input and display of consumer product information such as pricing, etc. The console may be built into the handle of the shopping cart or as a retrofit application on existing handles. The console has a product information input device for numerical values such as product pricing, cost per unit, etc. The apparatus has a calculator and output display for such data. Some space on the console will likely be dedicated to a display panel for advertising. The console may be equipped with a bar code scanner as an alternate means of inputting such consumer data. The console should have an output display, such as a monitor, and / or a readout in order to display the product information such as: cost per unit. A video monitor may be used in connection with the console in order to provide advertising information related to products.
Owner:SMART MEDIA OF DELAWARE

System and process for performing purchase transactions using tokens

The invention relates to a method and process by which an existing and large network of devices can be used by consumers to authenticate themselves, and permits each consumer to apply any of the various payments mechanisms available to him. The existing broadly distributed network is active and passive radio frequency identification (“RFID”) devices held by consumers. Various types of accounts are linked to devices and allow users to perform various purchase transactions, as well as non-financial transactions.
Owner:JPMORGAN CHASE BANK NA +1

System and method for performing an on-line transaction using a single-use payment instrument

A system and method for performing an on-line transaction, such as making a payment, with a single-use payment instrument makes use of computer hardware and software, such as the computing device of a customer, the customer's bank's home banking server, the bank's card authorization server, a vendor's website server, and the vendor's credit card acquirer, coupled to one another over a network. The customer is issued a single use payment instrument through the bank, the bank debits an account nominated by the customer for the requested value of the payment instrument and may also specify an expiry for the payment instrument. The customer is able to nominate a particular source of funds for each transaction from among various accounts of the customer. The payment instrument settles and clears through existing credit card payment mechanisms without a need for special accommodation with the Internet vendor.
Owner:CITICORP CREDIT SERVICES INC (USA)

Customer activated multi-value (CAM) card

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.
Owner:BANK ONE DELAWARE NAT ASSOC

System and method for re-associating an account number to another transaction account

A method and system for converting a first transaction account device to a second transaction account device wherein a card number associated with, or defined as, a first transaction account (e.g., stored value account) is re-associated with, or re-defined as, a second transaction account (e.g., credit card account).
Owner:LIBERTY PEAK VENTURES LLC

Online content portal system

A system and method of providing an online content portal for sending affiliate content to users of an online account system via the Internet. An online content portal is provided with each user cash account for sending affiliate content. Users conduct purchase transactions with third parties via the Internet using online cash account funds. The system is configured to provide valid charge numbers acceptable to the third parties to consummate the purchase transactions. The charge numbers are similar to standard credit card numbers and universally accepted, where the system is also configured to be the processor of such charge numbers. The shopping and purchase activity of users is monitored and stored along with account information in a user information database. Affiliates may download and / or search the user information database to target users for sending the affiliate content. The online content portal system facilitates collection of valuable user information and identification of users to receive selected types of content.
Owner:NETABPEND CORP

Mobile communication terminal and card information reading device

A mobile communication terminal (the mobile station 100), served in a mobile communication network for performing wireless communications, comprises a transmitter-receiver 110, a controller 120, a user interface 130, a data input / output terminal 140, a magnetic writer 150, and a magnetic stripe 160. Control programs stored in a program ROM 122 include a program for controlling the magnetic writer such as writes or deletes various information into / from the magnetic stripe 160. In a credit card ROM 123 are stored information on the attributes of a credit card contract concluded in advance between a user and a credit card company. The magnetic writer 150 writes credit card contract information provided from the controller 120 to the magnetic stripe 160 or deletes the credit card contract information from the magnetic stripe 160.
Owner:GOOGLE LLC

Associating mobile phone to vending machine via bar-code encoded data, CCD camera and internet connection

InactiveUS20050102233A1Prevent fraudulent transactionCredit registering devices actuationFinanceData displayThe Internet
A method of making purchases with a mobile communications device account from a vending machine includes providing a mobile communication device with an image capture mechanism; providing a vending machine with a data display; capturing the data display of the vending machine with the image capturing mechanism; decoding the data display in the mobile communication device to determine a URL for a vendor server and an identification number for the vending machine; transmitting the identification number to the vendor server; authorizing the dispensing of product from the vending machine by the vendor server; and billing the mobile communication device user account on a mobile communication device accounting server.
Owner:SHARP LAB OF AMERICA INC

System and method for transferring funds

A system and method for electronic transfer of cash or cash equivalent between a sender and a recipient includes an initiating regional office for initiating the transfer and which receives an amount of money to be electronically transferred from the sender and a verification ID protocol from the sender, an initiating authorization center for storing the amount and the verification ID protocol in an account database, a dispensing authorization center for communicating with initiating authorization center and a dispensing regional office. When the recipient provides the verification ID protocol to the dispensing regional office, a financial card is issued to the recipient containing funds equivalent to the amount initially prescribed by the sender. The system provides the sender with the ability to provide the receiver (at a remote geographical location) with a secure, anonymous, ATM compatible financial card having a particular preset monetary value even in the case where the recipient does not possess proper identification documents.
Owner:UNIVERSAL TRANSACTIONS SYST

Electronic identifier payment systems and methods

Systems and methods for accepting payments for goods and services provided by a consumer provider. The methods can include associating consumers and consumer providers with a payment provider. The payment provider can receive payments destined for the consumer provider, associate the payments with one or more identifiers, and transfer at least portions of the receive payments to the consumer provider. The systems can include a point-of-sale device configured to accept payments from consumers on behalf of consumer providers. In some cases, the systems include a plurality of such point-of-sale devices in communication with a payment provider control. The payment provider control can be in communication with one or more consumer provider controls.
Owner:THE WESTERN UNION CO

Mobile terminal with user identification card including personal finance-related information and method of using a value-added mobile service through said mobile terminal

The present invention enables a user to receive a financial service anywhere through a mobile terminal equipped with a UIM (User Identification Module) electronic card. In the present invention, a user enters his or her password to a mobile terminal with a UIM card including subscriber telephone number, finance, authorization, and personal information, then, if the entered password is correct, authorization is processed with a remote authorizing server based on the authorization information. After authorization, user's requesting service, e.g., payment service, transaction particulars inquiry service, prepaid card recharging service is conducted through a mobile network.
Owner:SK PLANET CO LTD
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