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4169 results about "Card reader" patented technology

A card reader is a data input device that reads data from a card-shaped storage medium. The first were punched card readers, which read the paper or cardboard punched cards that were used during the first several decades of the computer industry to store information and programs for computer systems. Modern card readers are electronic devices that can read plastic cards embedded with either a barcode, magnetic strip, computer chip or another storage medium.

Security architecture with environment sensitive credential sufficiency evaluation

By including environment information in a security policy, a security architecture advantageously allows temporal, locational, connection type and/or client capabilities-related information to affect the sufficiency of a given credential type (and associated authentication scheme) for access to a particular information resource. In some configurations, time of access, originating location (physical or network) and/or connection type form a risk profile that can be factored into credential type sufficiency. In some configurations, changing environmental parameters may cause a previously sufficient credential to become insufficient. Alternatively, an authenticated credential previously insufficient for access at a given trust level may be sufficient based on a changed or more fully parameterized session environment. In some configurations, the use of session tracking facilites (e.g., the information content of session tokens) can be tailored to environmental parameters (e.g., connection type or location). Similarly, capabilities of a particular client entity (e.g., browser support for 128-bit cipher or availablity of a fingerprint scanner or card reader) may affect the availability or sufficiency of particular authentication schemes to achieve a desired trust level.

Internet payment, authentication and loading system using virtual smart card

InactiveUS7908216B1Advantageous for small dollar amount transactionMinimal timeFinancePayment circuitsMerchant servicesPayment
A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual smart card data base that has a record of information for each smart card that it represents for a user at the behest of an issuer. The server includes a smart card emulator that emulates a smart card by using the card data base and a hardware security module. The emulator interacts with a pseudo card reader module in the server that imitates a physical card reader. The server also includes a client code module that interacts with the pseudo card reader and a remote payment or load server. A pass-through client terminal presents a user interface and passes information between the OPAL server and a merchant server, and between the OPAL server and a bank server. The Internet provides the routing functionality between the client terminal and the various servers. A merchant advertises goods on a web site. A user uses the client terminal to purchase goods and/or services from the remote merchant server. The payment server processes, confirms and replies to the merchant server. The payment server is also used to authenticate the holder of a virtual card who wishes to redeem loyalty points from a merchant. To load value, the client terminal requests a load from a user account at the bank server. The load server processes, confirms and replies to the bank server.

Cashless payment system

InactiveUS20050015332A1Without any loss of transaction processing flexibilityWidespread acceptanceFinanceBuying/selling/leasing transactionsComputer networkEngineering
A payment system that does not rely on credit or debit cards, does not require the merchant and purchaser to have compatible memberships to complete a transaction, and does not limit single transactions to a single account provides a wide range of flexibility permitting debit, credit, pre-paid and payroll cards to be accommodated in a seamless and invisible manner to the electronic transaction network. The transaction may be verified and approved at the point-of-sale whether or not the merchant is a member of a specific financial transaction system. Specifically, the point-of-sale transaction system permits an identified customer to use any of a variety of payment options to complete the transaction without requiring the merchant to pre-approve the type of payment selected by the customer. In one configuration, and in order to take advantage of the widespread use of the ATM/POS network, the invention uses a typical credit/debit card format to provide the identifying information in a stored value card. When a transaction is to be completed, the user enters the identifying information carried on the card at the point-of-sale. This can be a merchant or other service provider at a retail establishment, or on-line while the user is logged onto a web site, or other location. The information can be swiped by a card reader, or manually entered via a keyboard or other input device. The system supports a wide range of flexibility, permitting issuing systems such as parents and state welfare agencies to restrict the types of authorized uses, and permitting users to access accounts in a prioritized manner. Further, the accepting merchant is not required to be a member because settlement with the merchant may be made via the Federal Reserve Automatic Clearing House (ACH) system by typical and standard electronic transfer. This permits the merchant to take advantage of the lower ACH transaction fees with even greater convenience and flexibility than the current ATM/POS system. The system supports numerous types of identification methods from typical credit card structures with magnetic data strips to various biometric systems such as finger prints, facial recognition and the like. Specifically, once the user is identified, the transaction is managed by his membership data on record with the transaction processing system.

Targeted marketing and purchase behavior monitoring system

A system for presenting customized special offers to customers, the special offers including targeted offers to a customer selected from a plurality of customers, and for collecting purchasing behavior information concerning the customers, the system comprising a computer including a database containing customer account information providing information specific to a particular customer account; the at computer also including a database containing special offers including a targeted offer which is to be made to selected customer accounts on the basis of targeted offer targeting parameters; a plurality of customer cards, each customer card having machine readable card information indicating at least identification of the card with a particular customer account; a customer interface in communication with the computer to transfer data therebetween; the customer interface having a card reader for reading machine readable card information from the customer card; the computer including means for generating a customized customer offer list available to that particular customer account which includes the special offer; an offer communicator for communicating the customer offer list to the customer for which it is generated; a check-out at which the customer presents purchased item information indicating items being purchased by the customer; the check-out including a card reader for reading the customer card; the computer including means for sending information from the customized customer offer list to the check-out; the computer further including means for collecting customer purchase information which is indicative of items being purchased by the customer via the check-out; the computer still further including means for editing the customer account information to reflect items purchased by the customer.

Global electronic payment system

InactiveUS20080270246A1Allow flexibilityFinancePayment architectureCredit cardWeb site
A global payment system supports real time payments by a first party to a second party via an electronic interface using any of a plurality of input devices. First party identifying information and information relating to the requested transaction desired by the first party is entered into the system via the selected input device for accessing the payment system. The information is verified and the funds are transferred to a dedicated account for a second party per the instructions received from the first party. The global payment system is a financial transaction system permitting the identified first party to use any of a variety of payment options to complete the transaction without requiring the second party to pre-approve the method of payment. The system is compatible with known ATM/POS debit/credit card formats or other electronic input terminal devices, including either a second party controlled device, or a first party controlled device. This can be but is not limited to a merchant or other service provider controlled device at a retail establishment, or on-line while the user is logged onto a web site from a commercially based computer or from the convenience of his personal computer, or other devices such as a PDA or a cell phone. The information can be swiped by a card reader, or manually entered via a keyboard or other input device such as, by way of example, a cell phone or personal digital assistant (PDA). This flexibility permits a consumer and merchant to complete a transaction in real time anywhere in the world without regard to the consumer's source of funds or the merchant's typical method of payment acceptance.

Methods and apparatus for unattended pickups and deliveries

A secure pickup and delivery container includes a lockable door, a control unit, an access element, and an anchoring element, according to one embodiment. The control unit includes a processing element and a memory that can be programmed either on-site or remotely with access privilege information such as identity (e.g. of container, delivery person, etc.), location, date, time, frequency of access, and/or package-specific information. In one embodiment, access privilege information is programmed when an intended recipient of a delivery consummates a point of sale transaction, for example over the Internet or telephone. The access element can be a keypad, a biometric scanner, a card reader, a bar-code reader, and/or a wireless control element to read a programmable token such as a smart card. Delivery personnel can enter access request information into the access element, and if it favorably compares with the access privilege information, the control unit unlocks the door. Notification can be concurrently made via wireline or wireless communications to the intended recipient, who may be situated remote from the secure container. The recipient can optionally return a delivery acknowledgment to the delivery personnel. Details of the delivery transaction can also be recorded electronically on the delivery personnel's token, within the container, or at a remote location.
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