ELECTRONIC MONEY CARD

Techniques for fraud monitoring and detection using application fingerprinting

Wide area network person-to-person payment

Method and apparatus for data recipient storage and retrieval of data using a network communication device

Authentication for service server in wireless Internet and settlement using the same

SYSTEMS AND METHODS FOR CARDLESS TRANSACTIONS USING A TELEPHONE NUMBER

System and method for purchase benefits at a point of sale

Method for use in association with identification token and apparatus including identification token

Wide area network person-to-person payment

WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT

Method and system for using message based security challenge and response questions for multi-factor authentication in mobile access to electronic information

SYSTEM AND METHOD FOR PROVIDING VIRTUAL DISCERNMENT INFORMATION

System and method for managing sonic token verifiers

Biometric pin block

WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT

Wide area network person-to-person payment

Reader device with reading time counting unit

Centralized identification and authentication system and method

Portable or embedded access and input devices and methods for giving access to access limited devices, apparatuses, appliances, systems or networks

System and method for identity validation for a regulated transaction

Portable terminal

Methods and systems for secure voice-authenticated electronic payment

VIRTUAL PREPAID OR CREDIT CARD AND PROCESS AND SYSTEM FOR PROVIDING SAME AND FOR ELECTRONIC PAYMENTS

System and method for categorizing transactions

Identity Risk Scoring

Biometric identification device and methods for secure transactions

Transactional security over a network

SECURE TRANSACTION METHOD AND SYSTEM INCLUDING BIOMETRIC IDENTIFICATION DEVICES AND DEVICE READERS

Biometric identification device

BIOMETRIC IDENTIFICATION DEVICE AND METHODS ASSOCIATED WITH INVENTORY

Method, System, and Computer Program Product for Customer-Level Data Verification

Card Design System

METHOD AND APPARATUS FOR PROXIMITY PAYMENT PROVISIONING BETWEEN A WIRELESS COMMUNICATION DEVICE AND A TRUSTED PARTY

SYSTEM AND METHOD FOR PROXIMITY PAYMENT TRANSACTION BETWEEN A WIRELESS COMMUNICATION DEVICE AND A POINT OF SALE TERMINAL IN CONJUNCTION WITH A TRUSTED PARTY

System and method for reducing RIKS associated with accepting a financial instrument

Times 2 security system

ONLINE PAYER AUTHENTICATION SERVICE

Systems and methods for NACHA compliant ACH transfers using an automated voice response system

Consumer Registration Via Mobile Device

Method of activating a fingerprint identification process of a smart card according to a given condition and a device thereof

Electronic ink for identity card

Biometrically controlled personal data management system and device

Data Processing System And Method

System and method for biometric authorization for check cashing

Payment systems and methods

Means and Method of Using Cryptographic Device to Combat Online Institution Identity Theft

SYSTEM AND METHOD FOR USER IDENTITY VALIDATION FOR ONLINE TRANSACTIONS

Independent third party real time identity and age verification process employing biometric technology

Security device, method and system for financial transactions, based on the identification of an individual using a biometric profile and a smart card

System and Method for Transaction Payment in Multiple Languages and Currencies

System and method for enrolling in a biometric system

Biometric data collection system

System and method for performing payment transactions, verifying age, verifying identity, and managing taxes

INTERNET BUSINESS SECURITY METHOD

Managing content at a portable, content adjustable personal identification device

Method for digital signature authentication of pin-less debit card account transactions

Distributed payment system and method

Systems and methods for identity verification

Method for restricting a use of a credit or debit card

Reader with integrated encryption unit

SYSTEM AND METHOD FOR PROCESSING PAYMENT OPTIONS

Authentication device and method

Products and processes for a membership for a customer of a vending machine

Method and system for restricting access to an electronic message system

Method and system for reducing the proliferation of electronic messages

Method and system for reducing the proliferation of electronic messages

Method and system for transmitting an electronic message

COMBINED PAYMENT AND COMMUNICATION SERVICE METHOD AND SYSTEM

System and method of establishing a telephone connection

Method and system for establishing a telephone connection

Authentication Of PIN-Less Transactions

SETTLEMENT TERMINAL AND IC CARD

System and method for implementing an extended authentication and authorization credential store

Method and system to verify the identity of a user

Authentication system for financial transactions

SYSTEM AND METHODS FOR PHONE-BASED PAYMENTS

METHOD AND SYSTEM TO VERIFY THE IDENTITY OF A USER

Method and system to verify the identity of a user

Configurable digital badge holder

Generation systems and methods for transaction identifiers having biometric keys associated therewith

Method and system for identification verification between at least a pair of entities

On-demand point-of-sale scanner access

Information communication system, user management apparatus thereof, information providing apparatus thereof and user terminal apparatus thereof

CHECK CONVERSION PLUS

Method and system for monitoring and providing notification regarding identity document usage

Efficient authentication of a user for conduct of a transaction initiated via mobile telephone

Customized audio data for verifying the authenticity of a service provider

Hand geometry recognition biometrics on a fob

Methods of processing a check in an automatic signature verification system

Method for Checking Electronic Authorizaiton Inspection Information, Tester and Computer Program

Adaptive authentication options

Using biometric tokens to pre-stage and complete transactions

System and method for issuing prepaid negotiable instruments

Powered Authenticating Cards

OPTICAL PAYMENT TRANSCEIVER AND SYSTEM USING THE SAME

Secure authentication and payment system

Smartcard internet authorization system

Behaviormetrics application system for electronic transaction authorization

Biometric Access Control System for Vending Machines

Method and apparatus for money transfer

Proxy authentication methods and apparatus

Biometric Authorization of Electronic Payments

Fraud deterrence in connection with identity documents

Secure universal transaction system

Centralized biometric authentication

METHOD AND SYSTEM FOR CONDUCTING SECURE PAYMENTS OVER A COMPUTER NETWORK

Booking method and system

Booking method and system

Methods, systems and computer program products for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities

Biometric authentication apparatus, biometric authentication system, IC card and biometric authentication method

Utilizing phrase tokens in transactions

Mixed-mode interaction

System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods

Managing content at a portable, content adjustable personal identification device

Retrieving personal user information for storage in a device

Method and system for providing biometric authentication at a point-of-sale via a mobile device

Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites

Procedure and Multi-Key Card to Avoid Internet Fraud

IMAGE RECOGNITION AUTHENTICATION AND ADVERTISING SYSTEM

Image Recognition Authentication and Advertising Method

Voice authenticated financial transaction

Context sensitive dynamic authentication in a cryptographic system

Mixed-mode interaction

Augmented biometric authorization system and method

SYSTEMS AND METHODS FOR PERFORMING SECURE ONLINE TRANSACTIONS

Registering a biometric for radio frequency transactions

Method and apparatus for money transfer

Authorizing radio frequency transactions using a keystroke scan

Suspicious persons database

Registering a biometric for radio frequency transactions

Biometric security using a fob

PORTABLE TERMINAL, SETTLEMENT METHOD, AND PROGRAM

System for biometric security using a fob

METHOD FOR USING A SENSOR TO REGISTER A BIOMETRIC FOR USE WITH A TRANSPONDER-READER SYSTEM RELATED APPLICATIONS

Biometric data update system

Tokenless electronic transaction system

Biometric identification and authentication system using electromagnetic frequency response

Methods of registration for programs using verification processes with biometrics for fraud management and enhanced security protection

TRANSACTIONAL SECURITY OVER A NETWORK

SYSTEM AND METHOD FOR AUTHENTICATING A CUSTOMER'S IDENTITY AND COMPLETING A SECURE CREDIT CARD TRANSACTION WITHOUT THE USE OF A CREDIT CARD NUMBER

Method for payment processing, billhead for payment processing, billhead generation facility and facility for communicating with a financial institution

System and architecture for merchant integration of a biometric payment system

User equipment, communication equipment, authentication system, authentication method, authentication program and recording medium

Method and system for flexible purchases using only fingerprints at the time and location of purchase

Receiving an indication of a security breach of a protected set of files

SYSTEM AND METHOD OF ENHANCING USER AUTHENTICATION USING RESPONSE PARAMETERS

SYSTEMS AND METHODS FOR PERFORMING SECURE IN-PERSON TRANSACTIONS

PAYMENT SYSTEMS AND METHODS

Method and system for screening using voice data and metadata

SYSTEMS AND METHODS FOR PERFORMING SECURE NETWORK COMMUNICATION

SYSTEMS AND METHODS FOR STORING DATA TO A HANDHELD DEVICE

Method and System to Seed a Voice Database

System for providing cardless payment

PAYMENT SYSTEM AND METHODS

User equipment, authentication system, authentication method, authentication program and recording medium

Method and apparatus to validate a subscriber line

Generating event messages corresponding to event indicators

Aggregating event indicators

Communicating event messages corresponding to event indicators

System and method for activating telephone-based payment instrument

AUTHENTICATION SYSTEM, SUCH AS AN AUTHENTICATION SYSTEM FOR CHILDREN AND TEENAGERS

Personal digital key initialization and registration for secure transactions

Personal digital key differentiation for secure transactions

System for the Secure Identification of the Initiator of a Transaction

Computer readable universal authorization card system and method for using same

SYSTEMS AND METHODS FOR ESTABLISHING A SECURE COMPUTING ENVIRONMENT FOR PERFORMING ONLINE TRANSACTIONS

Portable device and methods for performing secure transactions

Method and system for performing two factor authentication in mail order and telephone order transactions

System, Method of Generation and Use of Bilaterally Generated Variable Instant Passwords.

Transaction and account management system

Apparatus and method for production of transaction cards

Single step transaction authentication using proximity and biometric input

Two-level authentication for secure transactions

Information processing apparatus having a user authentication function

Information terminal device, method, and computer readable medium storing program

Obtaining transaction accounts using identification cards

Facilitating and authenticating transactions through the use of a dongle interfacing a security card and a data processing apparatus

Identification data decoder

VERIFICATION SYSTEM

METHOD AND SYSTEM FOR ELECTRONIC AUTHENTICATION

Strategy-driven methodology for reducing identity theft

Credit card security system and method

System for secure payment and authentication

Method, apparatus, and system for determining whether a computer is within a particular location

Method and system for reporting identity document usage

Method and system for providing online authentication utilizing biometric data

TRANSACTIONAL SERVICES

Transaction processing

Trust tokens

User authentication system and data providing system using the same

Location-based transaction authentication of wireless terminal

Electronic settlement system, portable telephone, noncontact ic card reader, and personal identification data sampler

Identification and remote network access using biometric recognition

Method for facilitating payment of a billing statement

Authentication and verification services for third party vendors using mobile devices

Merchandise transaction system and data reading device thereof

Apparatus for personal authentication

System and Method for Global Automated Address Verification

AUTHENTICATED AND DISTRIBUTED TRANSACTION PROCESSING

Network/Processor Fraud Scoring for Card Not Present Transactions

Multi-mode credential authorization

Electronic transaction system and a transaction terminal adapted for such a system

Verification method for personal credit purchases

SYSTEM AND METHOD FOR BIOMETRIC AUTHORIZATION FOR AGE VERIFICATION

System and method for detecting unauthorized access using a voice signature

Systems and methods for determining a need for authorization

Computer-implemented method and system for managing accounting and billing of transactions over public media such as the internet

Systems and methods for conducting secure payment transactions using a formatted data structure

Method and system for authorizing automated teller machine access

Method and apparatus for providing fingerprint authentication and actuation

Methods and apparatus for automated document examination for age verification

METHOD AND SYSTEM FOR TRANSACTION VALIDATION

Electronic settlement system, settlement apparatus, and terminal

Methods and apparatus for wireless point-of-sale transactions

Authenticating personal identification number (PIN) users

Biometric authentication

Integrated circuit card, mobile communication terminal device, transaction system, and unauthorized use preventing method

Transaction cooperation method in branch office system

Security system for transactions

Secure electronic transaction authentication enhanced with RFID

Account-based digital signature (ABDS) system using biometrics

Fraud deterrence in connection with identity documents

Secure Image Protocol

Identity theft and fraud protection system and method

System and method for protecting identity information

Centralized identity authentication for electronic communication networks

Systems and methods for multi-factor remote user authentication

User authentication apparatus and user authentication method

Optical payment transceiver and system using the same

Systems and methods for non-traditional payment using biometric data

Method and apparatus for verifying the legitamacy of a financial instrument

Methods and systems for secure user authentication

Method and apparatus for data recipient storage and retrieval of data using a network communication device

Biometric identification device

System and method for user controlled log-in; interacting and log-out

System for biometric signal processing with hardware and software acceleration

Method and apparatus to validate a subscriber line

Biometric web payment system

Media services with access control

Authenticity Verification

Method of modification of authorization details for a biometrics authentication device, biometrics authentication method, and biometrics authentication device

System and method for highly reliable multi-factor authentication

Token sharing system and method

Systems and methods for remote user authentication

Authentication system, authentication apparatus, authentication method and authentication program

Materials analytical review and reporting system

Identity verification switch

Preventing identity theft

Method and apparatus for providing authentication between a sending unit and a recipient based on challenge usage data

Method for validating an electronic payment by a credit/debit card

Biometrics authentication method and biometrics authentication system

Authenticity Verification

Data reading device with multiple verification functions and verifications system thereof

Personal authentication system, apparatus and method

System and method for fraud monitoring, detection, and tiered user authentication

Methods for using a mobile communications device in consumer, medical and law enforcement transactions

Universal merchant platform for payment authentication

Disposable hidden codes for verification of identity

Method and system to prevent fraudulent payment in credit/debit card transactions, and terminals therefor

Identity theft monitoring and prevention

Method and apparatus for electronic data sharing

On-demand point-of-sale scanner access

System and method for biometric authorization for financial transactions

Transaction authentication by a token, contingent on personal presence

System and method for establishing or verifying a person's identity using SMS and MMS over a wireless communications network

System for providing cardless payment

Biometric information recognition credit card system and credit card scanner

Electronic transaction system capable of improving transaction security and electronic transaction method thereof

System and method for enhanced protection and control over the use of identity

SYSTEM AND METHOD FOR BIOMETRIC AUTHORIZATION FOR FINANCIAL TRANSACTIONS

Method and system to detect fraud using voice data

Techniques for protecting financial transactions

Centralized biometric authentication

One-time password credit/debit card

Method for carrying out a secure electronic transaction using a portable data support

Anti-identity theft system and method

Method for checking the authorization of users

Method and system for monitoring electronic purchases and cash-withdrawals

Authentication for a commercial transaction using a mobile module

Method and system for providing fingerprint enabled wireless add-on for personal identification number (PIN) accessible smartcards

National identification card system and biometric identity verification method for negotiating transactions

Anti-phishing methods based on an aggregate characteristic of computer system logins

Mobile biometric merchant transaction processing

Apparatus and method for ownership verification

User authentication and secure transaction system

Systems and methods for dual reader emulation

Systems and methods for authorization credential emulation

Authentication services using mobile device

Method and system for managing account information

Systems and methods for securing transactions with biometric information

Secure cell phone for ATM transactions

MULTIPLE USE SECURE TRANSACTION CARD

Secure transaction system

Method and apparatus for money transfer

System and method for dynamic checking

BioMetric PayPoint System

System and method for processing financial transactions using multi-payment preferences

Electronic device for verifying a user's personal information

Adaptor for magnetic stripe card reader

System for providing cardless payment