WO1996033476A3 - Electronic-monetary system - Google Patents

Electronic-monetary system Download PDF

Info

Publication number
WO1996033476A3
WO1996033476A3 PCT/US1996/005521 US9605521W WO9633476A3 WO 1996033476 A3 WO1996033476 A3 WO 1996033476A3 US 9605521 W US9605521 W US 9605521W WO 9633476 A3 WO9633476 A3 WO 9633476A3
Authority
WO
WIPO (PCT)
Prior art keywords
money
banks
electronic
issuing
electronic money
Prior art date
Application number
PCT/US1996/005521
Other languages
French (fr)
Other versions
WO1996033476A2 (en
Inventor
Sholom S Rosen
Original Assignee
Citibank Na
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to NZ306918A priority Critical patent/NZ306918A/en
Priority to AU55615/96A priority patent/AU720200B2/en
Application filed by Citibank Na filed Critical Citibank Na
Priority to HU9800982A priority patent/HU221396B1/en
Priority to UA97115594A priority patent/UA45399C2/en
Priority to BR9608187A priority patent/BR9608187A/en
Priority to PL96341785A priority patent/PL182138B1/en
Priority to JP53197696A priority patent/JP3604151B2/en
Priority to SK1426-97A priority patent/SK142697A3/en
Priority to CA002218612A priority patent/CA2218612C/en
Priority to PL96323007A priority patent/PL180662B1/en
Priority to SI9620055A priority patent/SI9620055A/en
Priority to MX9708120A priority patent/MX9708120A/en
Priority to EP96912971A priority patent/EP0823105A2/en
Publication of WO1996033476A2 publication Critical patent/WO1996033476A2/en
Publication of WO1996033476A3 publication Critical patent/WO1996033476A3/en
Priority to NO974835A priority patent/NO974835L/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/16—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for devices exhibiting advertisements, announcements, pictures or the like
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0823—Network architectures or network communication protocols for network security for authentication of entities using certificates
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • H04L63/123—Applying verification of the received information received data contents, e.g. message integrity
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
    • H04L9/0891—Revocation or update of secret information, e.g. encryption key update or rekeying
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3263—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

Abstract

An electronic-monetary system having (1) banks or financial institutions that are coupled to a money generator device for generating and issuing to subscribing customers electronic money including electronic currency backed by demand deposits and electronic credit authorizations; (2) correspondent banks that accept and distribute the electronic money; (3) a plurality of transaction devices that are used by subscribers for storing electronic money, for performing money transactions with the on-line systems of the participating banks or for exchanging electronic money with other like transaction devices in off-line transactions; (4) teller devices, asscoiated with the issuing and correspondent banks, for process handling and interfacing the transaction devices to the issuing and correspondent banks, and for interfacing between the issuing and correspondent banks themselves; (5) a clearing bank for balancing the electronic money accounts of the different issuing banks; (6) a data communications network for providing communications services to all components of the system; and (7) a security arrangement for maintaining the integrity of the system, and for detecting counterfeiting and tampering within the system. An embodiment of the invention includes a customer service module which handles lost money claims and links accounts to money modules for providing bank access.
PCT/US1996/005521 1995-04-21 1996-04-19 Electronic-monetary system WO1996033476A2 (en)

Priority Applications (14)

Application Number Priority Date Filing Date Title
CA002218612A CA2218612C (en) 1995-04-21 1996-04-19 Electronic-monetary system
SK1426-97A SK142697A3 (en) 1995-04-21 1996-04-19 Electronic-monetary system
HU9800982A HU221396B1 (en) 1995-04-21 1996-04-19 A method for exchanging currencies
AU55615/96A AU720200B2 (en) 1995-04-21 1996-04-19 Electronic-monetary system
BR9608187A BR9608187A (en) 1995-04-21 1996-04-19 Electronic monetary system
PL96341785A PL182138B1 (en) 1995-04-21 1996-04-19 Method of and system for exchanging information between electronic of a monetary system
PL96323007A PL180662B1 (en) 1995-04-21 1996-04-19 Electronic monetary system
NZ306918A NZ306918A (en) 1995-04-21 1996-04-19 Method for electronically exchanging one foreign currency for another, using cryptographically secure session
UA97115594A UA45399C2 (en) 1995-04-21 1996-04-19 ELECTRONIC MONEY SYSTEM
JP53197696A JP3604151B2 (en) 1995-04-21 1996-04-19 Electronic money system
SI9620055A SI9620055A (en) 1995-04-21 1996-04-19 Electronic-monetary system
MX9708120A MX9708120A (en) 1995-04-21 1996-04-19 Electronic-monetary system.
EP96912971A EP0823105A2 (en) 1995-04-21 1996-04-19 Electronic-monetary system
NO974835A NO974835L (en) 1995-04-21 1997-10-20 Electronic money system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US08/427,287 US5799087A (en) 1994-04-28 1995-04-21 Electronic-monetary system
US08/427,287 1995-04-21

Publications (2)

Publication Number Publication Date
WO1996033476A2 WO1996033476A2 (en) 1996-10-24
WO1996033476A3 true WO1996033476A3 (en) 1996-12-12

Family

ID=23694230

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1996/005521 WO1996033476A2 (en) 1995-04-21 1996-04-19 Electronic-monetary system

Country Status (18)

Country Link
US (5) US5799087A (en)
EP (1) EP0823105A2 (en)
JP (2) JP3604151B2 (en)
KR (1) KR19990007959A (en)
CN (1) CN1185851A (en)
AU (1) AU720200B2 (en)
BR (1) BR9608187A (en)
CA (1) CA2218612C (en)
CZ (1) CZ332397A3 (en)
HU (1) HU221396B1 (en)
MX (1) MX9708120A (en)
NO (1) NO974835L (en)
NZ (1) NZ306918A (en)
PL (2) PL182138B1 (en)
SI (1) SI9620055A (en)
SK (1) SK142697A3 (en)
UA (1) UA45399C2 (en)
WO (1) WO1996033476A2 (en)

Families Citing this family (411)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5557518A (en) * 1994-04-28 1996-09-17 Citibank, N.A. Trusted agents for open electronic commerce
US10361802B1 (en) 1999-02-01 2019-07-23 Blanding Hovenweep, Llc Adaptive pattern recognition based control system and method
US6868408B1 (en) * 1994-04-28 2005-03-15 Citibank, N.A. Security systems and methods applicable to an electronic monetary system
JPH08263438A (en) * 1994-11-23 1996-10-11 Xerox Corp Distribution and use control system of digital work and access control method to digital work
US20050149450A1 (en) * 1994-11-23 2005-07-07 Contentguard Holdings, Inc. System, method, and device for controlling distribution and use of digital works based on a usage rights grammar
US6963859B2 (en) * 1994-11-23 2005-11-08 Contentguard Holdings, Inc. Content rendering repository
US5692184A (en) * 1995-05-09 1997-11-25 Intergraph Corporation Object relationship management system
US5893080A (en) * 1995-07-25 1999-04-06 Bottomline Technologies, Inc. Disbursement system and method
US6223168B1 (en) * 1995-07-25 2001-04-24 Bottomline Technologies, Inc. Automatic remittance delivery system
WO1997007453A1 (en) * 1995-08-16 1997-02-27 International Business Machines Corporation Methodology for generating accessing functions for programmed execution of panel-driven business applications
US6076075A (en) * 1995-09-25 2000-06-13 Cardis Enterprise International N.V. Retail unit and a payment unit for serving a customer on a purchase and method for executing the same
AU703984B2 (en) * 1995-11-21 1999-04-01 Citibank, N.A. Foreign exchange transaction system
US6301379B1 (en) * 1996-01-17 2001-10-09 Carreker-Antinori, Inc. Electronic check presentment systems and methods employing volatile memory datastore access techniques
US6945457B1 (en) 1996-05-10 2005-09-20 Transaction Holdings Ltd. L.L.C. Automated transaction machine
EP0807910B1 (en) * 1996-05-16 2008-06-04 Nippon Telegraph And Telephone Corporation Electronic cash implementing method with a surveillance institution, and user apparatus and surveillance institution apparatus for implementing the same
ES2193247T3 (en) * 1996-05-24 2003-11-01 Jong Eduard Karel De SYSTEM AND METHOD OF CRYPTOGRAPHIC COMMUNICATIONS PROTECTION.
JP3329432B2 (en) * 1996-05-29 2002-09-30 日本電信電話株式会社 Hierarchical electronic cash execution method and apparatus used therefor
US7774230B2 (en) 1996-06-10 2010-08-10 Phoenix Licensing, Llc System, method, and computer program product for selecting and presenting financial products and services
US5987434A (en) * 1996-06-10 1999-11-16 Libman; Richard Marc Apparatus and method for transacting marketing and sales of financial products
US6999938B1 (en) * 1996-06-10 2006-02-14 Libman Richard M Automated reply generation direct marketing system
US5884290A (en) * 1996-10-22 1999-03-16 Unisys Corporation Method of transferring funds employing a three-node real-time electronic interlock
KR100205954B1 (en) * 1996-12-30 1999-07-01 이계철 Relay server for virtual banking service and its service method
US6233684B1 (en) * 1997-02-28 2001-05-15 Contenaguard Holdings, Inc. System for controlling the distribution and use of rendered digital works through watermaking
JP3767970B2 (en) * 1997-05-09 2006-04-19 富士通株式会社 Terminal device and terminal system
DE19710249C2 (en) * 1997-03-12 2002-03-28 Siemens Nixdorf Inf Syst Network-supported chip card transaction method and arrangement for processing transactions
US6047284A (en) 1997-05-14 2000-04-04 Portal Software, Inc. Method and apparatus for object oriented storage and retrieval of data from a relational database
US20020002675A1 (en) * 1997-08-06 2002-01-03 Ronald Roscoe Bush Secure encryption of data packets for transmission over unsecured networks
JPH1166193A (en) * 1997-08-14 1999-03-09 Hitachi Ltd Method and device for managing electronic money and storage medium where electronic money managing program is stored
FI973788A (en) * 1997-09-25 1999-03-26 Nokia Telecommunications Oy Electronic payment system
US6339765B1 (en) * 1997-11-13 2002-01-15 At&T Corp. Method and apparatus for defining private currencies
AU757557B2 (en) 1997-11-13 2003-02-27 Intellectual Ventures I Llc File transfer system
US6507874B1 (en) 1998-01-07 2003-01-14 Microsoft Corporation System for efficient routing and translation of data
JP3574559B2 (en) * 1998-01-27 2004-10-06 株式会社エヌ・ティ・ティ・データ Electronic ticket system, collection terminal, service providing terminal, user terminal, electronic ticket collection method and recording medium
FR2777371B1 (en) * 1998-04-09 2001-10-26 Innovatron Electronique METHOD FOR INDIVISIBILY MODIFYING A PLURALITY OF LOCATIONS IN THE NON-VOLATILE MEMORY OF A MICROCIRCUIT CARD
US6450407B1 (en) 1998-04-17 2002-09-17 Viztec, Inc. Chip card rebate system
US6684332B1 (en) * 1998-06-10 2004-01-27 International Business Machines Corporation Method and system for the exchange of digitally signed objects over an insecure network
US6615189B1 (en) 1998-06-22 2003-09-02 Bank One, Delaware, National Association Debit purchasing of stored value card for use by and/or delivery to others
US7809642B1 (en) 1998-06-22 2010-10-05 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US6947908B1 (en) 1998-08-27 2005-09-20 Citibank, N.A. System and use for correspondent banking
WO2000019383A2 (en) 1998-09-11 2000-04-06 Loquitor Technologies Llc Generation and detection of induced current using acoustic energy
KR20010075291A (en) * 1998-09-22 2001-08-09 칼 하인쯔 호르닝어 Method and system for paying for goods or services
RU2153191C2 (en) 1998-09-29 2000-07-20 Закрытое акционерное общество "Алкорсофт" Method for blind production of digital rsa signature and device which implements said method
US7047416B2 (en) * 1998-11-09 2006-05-16 First Data Corporation Account-based digital signature (ABDS) system
US6820202B1 (en) * 1998-11-09 2004-11-16 First Data Corporation Account authority digital signature (AADS) system
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US6032136A (en) 1998-11-17 2000-02-29 First Usa Bank, N.A. Customer activated multi-value (CAM) card
RU2157001C2 (en) 1998-11-25 2000-09-27 Закрытое акционерное общество "Алкорсофт" Method for conducting transactions
US6233566B1 (en) * 1998-12-31 2001-05-15 Ultraprise Corporation System, method and computer program product for online financial products trading
EP1203332A4 (en) 1999-02-12 2002-09-25 Mack Hicks System and method for providing certification-related and other services
US7958224B2 (en) 1999-02-17 2011-06-07 Catalina Marketing Corporation Incentive network for distributing incentives on a network-wide basis and for permitting user access to individual incentives from a plurality of network servers
JP4320481B2 (en) * 1999-03-05 2009-08-26 ソニー株式会社 Electronic money system
EP1047028A1 (en) * 1999-04-19 2000-10-25 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Communication system and method for efficiently processing electronical transactions in mobile communication networks
JP2000306162A (en) 1999-04-21 2000-11-02 Sony Corp Electronic money system and electronic money terminal device
US6947560B1 (en) * 1999-04-26 2005-09-20 Telefonaktiebolaget L M Ericsson (Publ) Method and device for effective key length control
US6609113B1 (en) 1999-05-03 2003-08-19 The Chase Manhattan Bank Method and system for processing internet payments using the electronic funds transfer network
US6704714B1 (en) 1999-05-03 2004-03-09 The Chase Manhattan Bank Virtual private lock box
US6882984B1 (en) 1999-06-04 2005-04-19 Bank One, Delaware, National Association Credit instrument and system with automated payment of club, merchant, and service provider fees
US6546376B1 (en) * 1999-06-25 2003-04-08 Institute For Information Industry Electronic payment device using balanced binary tree and the method of the same
US6963857B1 (en) * 1999-07-12 2005-11-08 Jsa Technologies Network-accessible account system
US8266025B1 (en) * 1999-08-09 2012-09-11 Citibank, N.A. System and method for assuring the integrity of data used to evaluate financial risk or exposure
AU6466800A (en) 1999-08-26 2001-03-19 Eluv Holdings Ltd. Electronic currency, electronic wallet therefor and electronic payment systems employing them
US7953671B2 (en) * 1999-08-31 2011-05-31 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
US7505941B2 (en) 1999-08-31 2009-03-17 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions using biometrics
US7343351B1 (en) 1999-08-31 2008-03-11 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US20020029200A1 (en) 1999-09-10 2002-03-07 Charles Dulin System and method for providing certificate validation and other services
WO2001020513A1 (en) * 1999-09-13 2001-03-22 David Solo System and method for providing certificate validation and other services
JP2003521763A (en) * 1999-09-24 2003-07-15 メアリー マッケンニー System and method for providing settlement service in electronic commerce
JP2001092786A (en) * 1999-09-24 2001-04-06 Mizobe Tatsuji Portable personal identification device and electronic system to which access is permitted by the same device
GB2354609B (en) * 1999-09-25 2003-07-16 Ibm Method and system for predicting transactions
US7104440B2 (en) * 1999-10-26 2006-09-12 First Data Corporation Money transfer systems and methods for travelers
US6994251B2 (en) * 1999-10-26 2006-02-07 First Data Corporation Cash payment for remote transactions
US8494956B2 (en) * 1999-10-26 2013-07-23 The Western Union Company Internet funds transfer system using ATM pickup
US6908031B2 (en) * 1999-10-26 2005-06-21 First Data Corporation Systems and methods for price matching on funds transfers
US8025212B2 (en) 1999-10-26 2011-09-27 The Western Union Company Cash payment for remote transactions
US7428982B2 (en) * 1999-10-26 2008-09-30 The Western Union Company Systems and methods for price matching on funds transfers
US6488203B1 (en) * 1999-10-26 2002-12-03 First Data Corporation Method and system for performing money transfer transactions
US7617157B2 (en) * 2002-01-03 2009-11-10 The Western Union Company Method for receiving electronically transferred funds using an automated teller machine
US6814282B2 (en) 1999-10-26 2004-11-09 First Data Corporation Systems and methods of introducing and receiving information across a computer network
US7664703B2 (en) * 1999-10-26 2010-02-16 The Western Union Company Value transfer systems and methods
AU4135201A (en) * 1999-10-29 2001-05-30 Singleshop.Com System and method of data exchange for electronic transactions with multiple sources
US6876991B1 (en) 1999-11-08 2005-04-05 Collaborative Decision Platforms, Llc. System, method and computer program product for a collaborative decision platform
US7370004B1 (en) 1999-11-15 2008-05-06 The Chase Manhattan Bank Personalized interactive network architecture
AU1606401A (en) * 1999-11-18 2001-05-30 Debbs Phillips Eugene III Interface for conversion of electronic currency to accepted method of payments to merchants/entities
US8571975B1 (en) 1999-11-24 2013-10-29 Jpmorgan Chase Bank, N.A. System and method for sending money via E-mail over the internet
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
US20010007983A1 (en) * 1999-12-28 2001-07-12 Lee Jong-Ii Method and system for transaction of electronic money with a mobile communication unit as an electronic wallet
KR100314174B1 (en) * 1999-12-28 2001-11-16 이종일 Method and system for transaction of electronic money with a mobile communication unit
US7356498B2 (en) 1999-12-30 2008-04-08 Chicago Board Options Exchange, Incorporated Automated trading exchange system having integrated quote risk monitoring and integrated quote modification services
WO2002005195A1 (en) 2000-07-11 2002-01-17 First Data Corporation Wide area network person-to-person payment
US7376587B1 (en) 2000-07-11 2008-05-20 Western Union Financial Services, Inc. Method for enabling transfer of funds through a computer network
US7613653B2 (en) 1999-12-30 2009-11-03 First Data Corporation Money order debit from stored value fund
US9727916B1 (en) 1999-12-30 2017-08-08 Chicago Board Options Exchange, Incorporated Automated trading exchange system having integrated quote risk monitoring and integrated quote modification services
US6938013B1 (en) 2000-01-05 2005-08-30 Uniteller Financial Services, Inc. Money-transfer techniques
US7720754B1 (en) 2000-01-05 2010-05-18 Uniteller Financial Services, Inc. Money-transfer techniques
US7870065B2 (en) * 2000-01-05 2011-01-11 Uniteller Financial Services, Inc. Money-transfer techniques
US7222097B2 (en) * 2000-01-18 2007-05-22 Bellosguardo Philippe A Anonymous credit card
US7395241B1 (en) 2000-01-19 2008-07-01 Intuit Inc. Consumer-directed financial transfers using automated clearinghouse networks
US7104383B1 (en) * 2000-02-14 2006-09-12 Leon Saltsov Validator with removable flash memory
KR100542386B1 (en) * 2000-02-15 2006-01-10 주식회사 신한은행 System and method for managing a payment relation between the enterprises
US6941279B1 (en) 2000-02-23 2005-09-06 Banke One Corporation Mutual fund card method and system
AUPQ608000A0 (en) * 2000-03-07 2000-03-30 Technocash Pty Ltd Electronic commerce payment system
KR100435854B1 (en) * 2000-03-10 2004-06-12 주식회사 신한은행 System and method for managing a payment relation between the enterprises
WO2001075827A1 (en) * 2000-03-31 2001-10-11 Siemens Aktiengesellschaft Electronic payment method and system for carrying out the same
US7257611B1 (en) 2000-04-12 2007-08-14 Oracle International Corporation Distributed nonstop architecture for an event processing system
JP2004508612A (en) * 2000-05-03 2004-03-18 ウリ　テクノロジー　インク Authentication / payment card for automatically updating user number, authentication / payment system using the same, and method thereof
GB2362009B (en) * 2000-05-04 2002-07-24 Insitu Ltd Method and apparatus for enhancing communication between points of sale devices
US7472092B2 (en) * 2000-05-08 2008-12-30 Patricia Phelan Money order device with identity verification and method
US7280984B2 (en) * 2000-05-08 2007-10-09 Phelan Iii Frank Money card system, method and apparatus
US6915277B1 (en) * 2000-05-10 2005-07-05 General Electric Capital Corporation Method for dual credit card system
US7398252B2 (en) 2000-07-11 2008-07-08 First Data Corporation Automated group payment
WO2002011028A1 (en) * 2000-07-27 2002-02-07 Eft Datalink, Incorporated Value transfer system for unbanked customers
WO2002011019A1 (en) 2000-08-01 2002-02-07 First Usa Bank, N.A. System and method for transponder-enabled account transactions
US7558965B2 (en) * 2000-08-04 2009-07-07 First Data Corporation Entity authentication in electronic communications by providing verification status of device
US6978369B2 (en) * 2000-08-04 2005-12-20 First Data Corporation Person-centric account-based digital signature system
US7082533B2 (en) * 2000-08-04 2006-07-25 First Data Corporation Gauging risk in electronic communications regarding accounts in ABDS system
EP1316171A4 (en) * 2000-08-04 2006-05-03 First Data Corp Person-centric account-based digital signature system
US6789189B2 (en) * 2000-08-04 2004-09-07 First Data Corporation Managing account database in ABDS system
US7096354B2 (en) * 2000-08-04 2006-08-22 First Data Corporation Central key authority database in an ABDS system
US6983368B2 (en) * 2000-08-04 2006-01-03 First Data Corporation Linking public key of device to information during manufacture
US7010691B2 (en) * 2000-08-04 2006-03-07 First Data Corporation ABDS system utilizing security information in authenticating entity access
US20050091151A1 (en) * 2000-08-23 2005-04-28 Ronald Coleman System and method for assuring the integrity of data used to evaluate financial risk or exposure
US7743259B2 (en) * 2000-08-28 2010-06-22 Contentguard Holdings, Inc. System and method for digital rights management using a standard rendering engine
US6931545B1 (en) * 2000-08-28 2005-08-16 Contentguard Holdings, Inc. Systems and methods for integrity certification and verification of content consumption environments
US8225414B2 (en) * 2000-08-28 2012-07-17 Contentguard Holdings, Inc. Method and apparatus for identifying installed software and regulating access to content
AU2001290727A1 (en) * 2000-09-08 2002-03-22 Larry R. Miller System and method for transparently providing certificate validation and other services within an electronic transaction
AU2001290725A1 (en) * 2000-09-08 2002-04-22 Paul Donfried System and method for providing authorization and other services
US7660740B2 (en) 2000-10-16 2010-02-09 Ebay Inc. Method and system for listing items globally and regionally, and customized listing according to currency or shipping area
US7333953B1 (en) 2000-10-31 2008-02-19 Wells Fargo Bank, N.A. Method and apparatus for integrated payments processing and decisioning for internet transactions
US8145567B2 (en) 2000-10-31 2012-03-27 Wells Fargo Bank, N.A. Transaction ID system and process
US7343324B2 (en) * 2000-11-03 2008-03-11 Contentguard Holdings Inc. Method, system, and computer readable medium for automatically publishing content
EP1205889A1 (en) * 2000-11-10 2002-05-15 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Returning of change in an electronic payment system
JP2002157651A (en) * 2000-11-17 2002-05-31 Fujitsu Ltd Method and system for article purchase information processing
US20090228393A1 (en) * 2000-11-20 2009-09-10 Andras Vilmos Method for the quasi real-time preparation and consecutive execution of a financial transaction
WO2002046882A2 (en) * 2000-12-04 2002-06-13 Ecredit.Com, Inc. System and methods for syndication of financial obligations
JP2002186037A (en) 2000-12-12 2002-06-28 Ntt Docomo Inc Authentication method, communication system, and repeater
US7130817B2 (en) 2000-12-15 2006-10-31 First Data Corporation Electronic gift linking
US7266533B2 (en) 2000-12-15 2007-09-04 The Western Union Company Electronic gift greeting
KR100424656B1 (en) * 2000-12-19 2004-03-24 김태호 Method and system for payment using electronic cash in off-line business
US6912294B2 (en) * 2000-12-29 2005-06-28 Contentguard Holdings, Inc. Multi-stage watermarking process and system
US20020087483A1 (en) * 2000-12-29 2002-07-04 Shlomi Harif System, method and program for creating and distributing processes in a heterogeneous network
US20020087481A1 (en) * 2000-12-29 2002-07-04 Shlomi Harif System, method and program for enabling an electronic commerce heterogeneous network
US20020188573A1 (en) * 2001-01-08 2002-12-12 Calhoon Gordon W. Universal electronic tagging for credit/debit transactions
US20030220880A1 (en) * 2002-01-17 2003-11-27 Contentguard Holdings, Inc. Networked services licensing system and method
US7774279B2 (en) * 2001-05-31 2010-08-10 Contentguard Holdings, Inc. Rights offering and granting
US7206765B2 (en) * 2001-01-17 2007-04-17 Contentguard Holdings, Inc. System and method for supplying and managing usage rights based on rules
US7028009B2 (en) * 2001-01-17 2006-04-11 Contentguardiholdings, Inc. Method and apparatus for distributing enforceable property rights
US8069116B2 (en) * 2001-01-17 2011-11-29 Contentguard Holdings, Inc. System and method for supplying and managing usage rights associated with an item repository
US6754642B2 (en) * 2001-05-31 2004-06-22 Contentguard Holdings, Inc. Method and apparatus for dynamically assigning usage rights to digital works
US20040039704A1 (en) * 2001-01-17 2004-02-26 Contentguard Holdings, Inc. System and method for supplying and managing usage rights of users and suppliers of items
US6985873B2 (en) 2001-01-18 2006-01-10 First Usa Bank, N.A. System and method for administering a brokerage rebate card program
US20020107790A1 (en) * 2001-02-07 2002-08-08 Nielson James A. System and method for extending automatically secured credit to building project owners and to building contractors for purchasing building supplies from building supply wholesalers
JP2002259605A (en) * 2001-02-26 2002-09-13 Sony Corp Device and method for information processing and storage medium
US8209246B2 (en) 2001-03-20 2012-06-26 Goldman, Sachs & Co. Proprietary risk management clearinghouse
US7899722B1 (en) * 2001-03-20 2011-03-01 Goldman Sachs & Co. Correspondent bank registry
US8121937B2 (en) 2001-03-20 2012-02-21 Goldman Sachs & Co. Gaming industry risk management clearinghouse
US8140415B2 (en) * 2001-03-20 2012-03-20 Goldman Sachs & Co. Automated global risk management
US7181017B1 (en) 2001-03-23 2007-02-20 David Felsher System and method for secure three-party communications
US7165052B2 (en) 2001-03-31 2007-01-16 First Data Corporation Payment service method and system
US8150763B2 (en) * 2001-03-31 2012-04-03 The Western Union Company Systems and methods for staging transactions, payments and collections
US9853759B1 (en) 2001-03-31 2017-12-26 First Data Corporation Staged transaction system for mobile commerce
US7117183B2 (en) 2001-03-31 2006-10-03 First Data Coroporation Airline ticket payment and reservation system and methods
US7096205B2 (en) 2001-03-31 2006-08-22 First Data Corporation Systems and methods for enrolling consumers in goods and services
US7103577B2 (en) 2001-03-31 2006-09-05 First Data Corporation Systems and methods for staging transactions, payments and collections
US7184989B2 (en) 2001-03-31 2007-02-27 First Data Corporation Staged transactions systems and methods
US20030043852A1 (en) * 2001-05-18 2003-03-06 Bijan Tadayon Method and apparatus for verifying data integrity based on data compression parameters
US7313546B2 (en) 2001-05-23 2007-12-25 Jp Morgan Chase Bank, N.A. System and method for currency selectable stored value instrument
US7725427B2 (en) 2001-05-25 2010-05-25 Fred Bishop Recurrent billing maintenance with radio frequency payment devices
JP4150334B2 (en) * 2001-05-29 2008-09-17 松下電器産業株式会社 Insurance system
US8275709B2 (en) * 2001-05-31 2012-09-25 Contentguard Holdings, Inc. Digital rights management of content when content is a future live event
US6895503B2 (en) * 2001-05-31 2005-05-17 Contentguard Holdings, Inc. Method and apparatus for hierarchical assignment of rights to documents and documents having such rights
US8099364B2 (en) * 2001-05-31 2012-01-17 Contentguard Holdings, Inc. Digital rights management of content when content is a future live event
US8275716B2 (en) 2001-05-31 2012-09-25 Contentguard Holdings, Inc. Method and system for subscription digital rights management
US8001053B2 (en) * 2001-05-31 2011-08-16 Contentguard Holdings, Inc. System and method for rights offering and granting using shared state variables
US6876984B2 (en) 2001-05-31 2005-04-05 Contentguard Holdings, Inc. Method and apparatus for establishing usage rights for digital content to be created in the future
US7725401B2 (en) * 2001-05-31 2010-05-25 Contentguard Holdings, Inc. Method and apparatus for establishing usage rights for digital content to be created in the future
US7222104B2 (en) * 2001-05-31 2007-05-22 Contentguard Holdings, Inc. Method and apparatus for transferring usage rights and digital work having transferrable usage rights
US6973445B2 (en) * 2001-05-31 2005-12-06 Contentguard Holdings, Inc. Demarcated digital content and method for creating and processing demarcated digital works
US7152046B2 (en) * 2001-05-31 2006-12-19 Contentguard Holdings, Inc. Method and apparatus for tracking status of resource in a system for managing use of the resources
US20030009424A1 (en) * 2001-05-31 2003-01-09 Contentguard Holdings, Inc. Method for managing access and use of resources by verifying conditions and conditions for use therewith
EP1393230A4 (en) * 2001-06-07 2004-07-07 Contentguard Holdings Inc Method and apparatus managing the transfer of rights
US7774280B2 (en) * 2001-06-07 2010-08-10 Contentguard Holdings, Inc. System and method for managing transfer of rights using shared state variables
US7853531B2 (en) * 2001-06-07 2010-12-14 Contentguard Holdings, Inc. Method and apparatus for supporting multiple trust zones in a digital rights management system
AU2002345577A1 (en) 2001-06-07 2002-12-23 Contentguard Holdings, Inc. Protected content distribution system
US7110525B1 (en) 2001-06-25 2006-09-19 Toby Heller Agent training sensitive call routing system
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US7360689B2 (en) 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
US20040236699A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US8284025B2 (en) 2001-07-10 2012-10-09 Xatra Fund Mx, Llc Method and system for auditory recognition biometrics on a FOB
US9031880B2 (en) 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US7735725B1 (en) 2001-07-10 2010-06-15 Fred Bishop Processing an RF transaction using a routing number
US7303120B2 (en) 2001-07-10 2007-12-04 American Express Travel Related Services Company, Inc. System for biometric security using a FOB
US8294552B2 (en) 2001-07-10 2012-10-23 Xatra Fund Mx, Llc Facial scan biometrics on a payment device
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
WO2003010701A1 (en) 2001-07-24 2003-02-06 First Usa Bank, N.A. Multiple account card and transaction routing
US7809641B2 (en) 2001-07-26 2010-10-05 Jpmorgan Chase Bank, National Association System and method for funding a collective account
US20030120936A1 (en) * 2001-08-01 2003-06-26 Eft Datalink Encryption of financial information
JP2003044770A (en) * 2001-08-02 2003-02-14 Cognitive Research Laboratories Inc Calculating method and calculating device capable of maintaining non-alteration property of information
US20040128508A1 (en) * 2001-08-06 2004-07-01 Wheeler Lynn Henry Method and apparatus for access authentication entity
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US7311244B1 (en) 2001-08-13 2007-12-25 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US8800857B1 (en) 2001-08-13 2014-08-12 Jpmorgan Chase Bank, N.A. System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag
US7752266B2 (en) 2001-10-11 2010-07-06 Ebay Inc. System and method to facilitate translation of communications between entities over a network
US8244632B2 (en) 2001-10-26 2012-08-14 First Data Corporation Automated transfer with stored value
US8374962B2 (en) 2001-10-26 2013-02-12 First Data Corporation Stored value payouts
US6670569B2 (en) 2001-11-08 2003-12-30 First Data Corporation Mail handling equipment and methods
US7840488B2 (en) * 2001-11-20 2010-11-23 Contentguard Holdings, Inc. System and method for granting access to an item or permission to use an item based on configurable conditions
US7974923B2 (en) * 2001-11-20 2011-07-05 Contentguard Holdings, Inc. Extensible rights expression processing system
AU2002350203A1 (en) * 2001-11-20 2003-06-10 Contentguard Holdings, Inc. Systems and methods for creating, manipulating and processing rights and contract expressions using tokenized templates
US20030159061A1 (en) * 2001-11-30 2003-08-21 Xavier Namy Secure electronic monetary transaction system
US7596529B2 (en) 2002-02-13 2009-09-29 First Data Corporation Buttons for person to person payments
US7372952B1 (en) 2002-03-07 2008-05-13 Wai Wu Telephony control system with intelligent call routing
US8392301B1 (en) * 2002-03-08 2013-03-05 Jpmorgan Chase Bank, N.A. Financial system for isolated economic environment
WO2003077080A2 (en) * 2002-03-08 2003-09-18 Jp Morgan Chase Bank Financial system for isolated economic environment
US7756896B1 (en) 2002-03-11 2010-07-13 Jp Morgan Chase Bank System and method for multi-dimensional risk analysis
US7805371B2 (en) * 2002-03-14 2010-09-28 Contentguard Holdings, Inc. Rights expression profile system and method
JP4740543B2 (en) * 2002-03-14 2011-08-03 コンテントガード ホールディングズ インコーポレイテッド Method and apparatus for processing usage rights expressions
US20030229593A1 (en) * 2002-03-14 2003-12-11 Michael Raley Rights expression profile system and method
AU2003218178B2 (en) * 2002-03-14 2009-05-21 Euronet Worldwide, Inc. A system and method for purchasing goods and services through data network access points over a point of sale network
US8099393B2 (en) 2002-03-22 2012-01-17 Oracle International Corporation Transaction in memory object store
US20180165441A1 (en) 2002-03-25 2018-06-14 Glenn Cobourn Everhart Systems and methods for multifactor authentication
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
CA2480514A1 (en) * 2002-03-27 2003-10-09 First Data Corporation Worldwide cash vendor payment
US7487127B2 (en) * 2002-03-27 2009-02-03 First Data Corporation Merchant cash payment systems and methods
US8407143B2 (en) * 2002-03-27 2013-03-26 The Western Union Company International negotiable instrument payment
US20040210498A1 (en) 2002-03-29 2004-10-21 Bank One, National Association Method and system for performing purchase and other transactions using tokens with multiple chips
AU2003230751A1 (en) 2002-03-29 2003-10-13 Bank One, Delaware, N.A. System and process for performing purchase transaction using tokens
WO2003094076A1 (en) * 2002-04-29 2003-11-13 Contentguard Holdings, Inc. Rights management system using legality expression language
US6805289B2 (en) 2002-05-23 2004-10-19 Eduardo Noriega Prepaid card payment system and method for electronic commerce
US20030222136A1 (en) * 2002-05-31 2003-12-04 First Data Corporation Stored value education account
US8078505B2 (en) 2002-06-10 2011-12-13 Ebay Inc. Method and system for automatically updating a seller application utilized in a network-based transaction facility
US8239304B1 (en) 2002-07-29 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for providing pre-approved targeted products
SG145524A1 (en) * 2002-08-07 2008-09-29 Mobilastic Technologies Pte Lt Secure transfer of digital tokens
US10395484B2 (en) * 2002-08-20 2019-08-27 The Western Union Company Multi-purpose kiosk and methods
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
US7729984B1 (en) 2002-09-27 2010-06-01 Abas Enterprises Llc Effecting financial transactions
KR100964764B1 (en) * 2002-10-05 2010-06-21 조관현 Internet-based foreign exchange transaction method and system
US20040122736A1 (en) 2002-10-11 2004-06-24 Bank One, Delaware, N.A. System and method for granting promotional rewards to credit account holders
US7330835B2 (en) * 2002-10-31 2008-02-12 Federal Reserve Bank Of Minneapolis Method and system for tracking and reporting automated clearing house transaction status
US7792716B2 (en) * 2002-10-31 2010-09-07 Federal Reserve Bank Of Atlanta Searching for and identifying automated clearing house transactions by transaction type
US7421404B2 (en) * 2002-12-06 2008-09-02 Omx Technology Ab Method and a system with improved tracking of trading positions
US7571140B2 (en) * 2002-12-16 2009-08-04 First Data Corporation Payment management
US7827101B2 (en) 2003-01-10 2010-11-02 First Data Corporation Payment system clearing for transactions
US20040138973A1 (en) * 2003-01-14 2004-07-15 American Express Travel Related Services Company, Inc. Method and system for exchange of currency related instructions
US9818136B1 (en) 2003-02-05 2017-11-14 Steven M. Hoffberg System and method for determining contingent relevance
JP2004240858A (en) * 2003-02-07 2004-08-26 Nec Corp Electronic money system, electronic money exchange server and portable terminal
US7505931B2 (en) * 2003-03-03 2009-03-17 Standard Chartered (Ct) Plc Method and system for monitoring transactions
US7676034B1 (en) 2003-03-07 2010-03-09 Wai Wu Method and system for matching entities in an auction
US9881308B2 (en) 2003-04-11 2018-01-30 Ebay Inc. Method and system to facilitate an online promotion relating to a network-based marketplace
US20040215574A1 (en) 2003-04-25 2004-10-28 First Data Corporation Systems and methods for verifying identities in transactions
US6990224B2 (en) * 2003-05-15 2006-01-24 Federal Reserve Bank Of Atlanta Method and system for communicating and matching electronic files for financial transactions
US8306907B2 (en) 2003-05-30 2012-11-06 Jpmorgan Chase Bank N.A. System and method for offering risk-based interest rates in a credit instrument
US7742985B1 (en) 2003-06-26 2010-06-22 Paypal Inc. Multicurrency exchanges between participants of a network-based transaction facility
US7685642B2 (en) * 2003-06-26 2010-03-23 Contentguard Holdings, Inc. System and method for controlling rights expressions by stakeholders of an item
US8156040B2 (en) * 2003-07-03 2012-04-10 Federal Reserve Bank Of Minneapolis Method and system for conducting international electronic financial transactions
US7953663B1 (en) 2003-09-04 2011-05-31 Jpmorgan Chase Bank, N.A. System and method for financial instrument pre-qualification and offering
US8239323B2 (en) 2003-09-23 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
US20080228651A1 (en) * 2003-09-29 2008-09-18 Zan Tapsell Public Key Crytography Method and System
US8417636B2 (en) 2003-09-30 2013-04-09 Federal Reserve Bank Of Atlanta Approving ACH operator processing of ACH payments based on an originating depository financial institution's approved originator list
US8543477B2 (en) 2003-09-30 2013-09-24 Federal Reserve Bank Of Atlanta Value tracking and reporting of automated clearing house transactions
US20050097593A1 (en) * 2003-11-05 2005-05-05 Michael Raley System, method and device for selected content distribution
US7219832B2 (en) 2004-06-17 2007-05-22 First Data Corporation ATM machine and methods with currency conversion capabilities
US20080147525A1 (en) * 2004-06-18 2008-06-19 Gene Allen CPU Banking Approach for Transactions Involving Educational Entities
CN100371959C (en) * 2004-06-22 2008-02-27 招商银行股份有限公司 Balancing system and method for current account
US7341181B2 (en) * 2004-07-01 2008-03-11 American Express Travel Related Services Company, Inc. Method for biometric security using a smartcard
US7314164B2 (en) * 2004-07-01 2008-01-01 American Express Travel Related Services Company, Inc. System for biometric security using a smartcard
US7325724B2 (en) 2004-07-01 2008-02-05 American Express Travel Related Services Company, Inc. Method for registering a biometric for use with a smartcard
US7363504B2 (en) 2004-07-01 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for keystroke scan recognition biometrics on a smartcard
US7314165B2 (en) * 2004-07-01 2008-01-01 American Express Travel Related Services Company, Inc. Method and system for smellprint recognition biometrics on a smartcard
US7318550B2 (en) 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
US8442953B2 (en) 2004-07-02 2013-05-14 Goldman, Sachs & Co. Method, system, apparatus, program code and means for determining a redundancy of information
US8996481B2 (en) 2004-07-02 2015-03-31 Goldman, Sach & Co. Method, system, apparatus, program code and means for identifying and extracting information
US8510300B2 (en) 2004-07-02 2013-08-13 Goldman, Sachs & Co. Systems and methods for managing information associated with legal, compliance and regulatory risk
US8762191B2 (en) 2004-07-02 2014-06-24 Goldman, Sachs & Co. Systems, methods, apparatus, and schema for storing, managing and retrieving information
US7392222B1 (en) 2004-08-03 2008-06-24 Jpmorgan Chase Bank, N.A. System and method for providing promotional pricing
US7881996B1 (en) 2004-08-03 2011-02-01 Federal Reserve Bank Of Atlanta Method and system for screening financial transactions
US7580886B1 (en) 2004-09-15 2009-08-25 Federal Reserve Bank Of Atlanta Managing foreign payments in an international ACH
US8152054B2 (en) 2004-10-19 2012-04-10 The Western Union Company Money transfer systems and methods
US20060107326A1 (en) * 2004-11-12 2006-05-18 Demartini Thomas Method, system, and device for verifying authorized issuance of a rights expression
US8660961B2 (en) 2004-11-18 2014-02-25 Contentguard Holdings, Inc. Method, system, and device for license-centric content consumption
US20060106726A1 (en) * 2004-11-18 2006-05-18 Contentguard Holdings, Inc. Method, system, and device for license-centric content consumption
US20060112015A1 (en) * 2004-11-24 2006-05-25 Contentguard Holdings, Inc. Method, system, and device for handling creation of derivative works and for adapting rights to derivative works
US8049594B1 (en) 2004-11-30 2011-11-01 Xatra Fund Mx, Llc Enhanced RFID instrument security
US20060153367A1 (en) * 2005-01-07 2006-07-13 Beeson Curtis L Digital signature system based on shared knowledge
US20060153364A1 (en) * 2005-01-07 2006-07-13 Beeson Curtis L Asymmetric key cryptosystem based on shared knowledge
US7593527B2 (en) * 2005-01-07 2009-09-22 First Data Corporation Providing digital signature and public key based on shared knowledge
US7936869B2 (en) * 2005-01-07 2011-05-03 First Data Corporation Verifying digital signature based on shared knowledge
US20060153369A1 (en) * 2005-01-07 2006-07-13 Beeson Curtis L Providing cryptographic key based on user input data
US7693277B2 (en) * 2005-01-07 2010-04-06 First Data Corporation Generating digital signatures using ephemeral cryptographic key
US7490239B2 (en) * 2005-01-07 2009-02-10 First Data Corporation Facilitating digital signature based on ephemeral private key
US7869593B2 (en) * 2005-01-07 2011-01-11 First Data Corporation Software for providing based on shared knowledge public keys having same private key
US20060153370A1 (en) * 2005-01-07 2006-07-13 Beeson Curtis L Generating public-private key pair based on user input data
US20060156013A1 (en) * 2005-01-07 2006-07-13 Beeson Curtis L Digital signature software using ephemeral private key and system
US8630898B1 (en) 2005-02-22 2014-01-14 Jpmorgan Chase Bank, N.A. Stored value card provided with merchandise as rebate
US20060248573A1 (en) * 2005-04-28 2006-11-02 Content Guard Holdings, Inc. System and method for developing and using trusted policy based on a social model
US8223935B2 (en) 2005-04-30 2012-07-17 Oracle International Corporation Revenue management systems and methods
JP2006318340A (en) * 2005-05-16 2006-11-24 Sharp Corp Electronic ticket transfer system
US8672220B2 (en) 2005-09-30 2014-03-18 The Western Union Company Money transfer system and method
US7392940B2 (en) 2005-05-18 2008-07-01 The Western Union Company In-lane money transfer systems and methods
US20060271915A1 (en) * 2005-05-24 2006-11-30 Contentguard Holdings, Inc. Usage rights grammar and digital works having usage rights created with the grammar
US7401731B1 (en) 2005-05-27 2008-07-22 Jpmorgan Chase Bank, Na Method and system for implementing a card product with multiple customized relationships
CA2613701C (en) 2005-06-28 2016-04-12 Alexander Rockel Revenue management system and method
AU2006275665A1 (en) 2005-07-28 2007-02-08 Oracle International Corporation Revenue management system and method
US7438078B2 (en) * 2005-08-05 2008-10-21 Peter Woodruff Sleeping bag and system
KR101322515B1 (en) * 2005-09-29 2013-10-25 콘텐트가드 홀딩즈 인코포레이티드 System and method for digital rights management using advanced copy with issue rights, and managed copy tokens
US8306986B2 (en) * 2005-09-30 2012-11-06 American Express Travel Related Services Company, Inc. Method, system, and computer program product for linking customer information
US8874477B2 (en) 2005-10-04 2014-10-28 Steven Mark Hoffberg Multifactorial optimization system and method
US7720767B2 (en) * 2005-10-24 2010-05-18 Contentguard Holdings, Inc. Method and system to support dynamic rights and resources sharing
US8223777B2 (en) * 2005-11-15 2012-07-17 Oracle International Corporation Gateway for achieving low latency and high availability in a real time event processing system
US8408455B1 (en) 2006-02-08 2013-04-02 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US7784682B2 (en) 2006-02-08 2010-08-31 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US20070219924A1 (en) * 2006-03-17 2007-09-20 Wildtangent, Inc. User interfacing for licensed media consumption using digital currency
US9082113B2 (en) * 2006-03-17 2015-07-14 Wildtangent, Inc. Licensing media consumption using digital currency
US9087326B2 (en) * 2006-03-17 2015-07-21 Wildtangent, Inc. Accruing and/or providing digital currency for media consumption
US7590601B2 (en) * 2006-03-17 2009-09-15 Wildtangent, Inc Licensing media consumption using digital currency
US8300798B1 (en) 2006-04-03 2012-10-30 Wai Wu Intelligent communication routing system and method
US7753259B1 (en) 2006-04-13 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US8639782B2 (en) 2006-08-23 2014-01-28 Ebay, Inc. Method and system for sharing metadata between interfaces
US10068220B2 (en) 2006-10-11 2018-09-04 Visa International Service Association Systems and methods for brokered authentication express seller links
US8335745B2 (en) 2006-10-11 2012-12-18 Visa International Service Association Method and system for processing micropayment transactions
US20080147526A1 (en) * 2006-12-15 2008-06-19 Gene Allen Computer-Facilitated Account-Transaction System and Method with Multi-Entity Control Logic
US8719128B2 (en) * 2006-12-15 2014-05-06 Tcf Financial Corporation Computer-facilitated secure account-transaction
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
CN101647220A (en) * 2007-02-02 2010-02-10 塞姆泰克创新解决方案公司 The PIN piece is replaced
US8566247B1 (en) 2007-02-19 2013-10-22 Robert H. Nagel System and method for secure communications involving an intermediary
US20080208735A1 (en) * 2007-02-22 2008-08-28 American Expresstravel Related Services Company, Inc., A New York Corporation Method, System, and Computer Program Product for Managing Business Customer Contacts
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system
US20080301016A1 (en) * 2007-05-30 2008-12-04 American Express Travel Related Services Company, Inc. General Counsel's Office Method, System, and Computer Program Product for Customer Linking and Identification Capability for Institutions
US7783571B2 (en) 2007-05-31 2010-08-24 First Data Corporation ATM system for receiving cash deposits from non-networked clients
US8676642B1 (en) 2007-07-05 2014-03-18 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to financial account holders
JP2009027525A (en) * 2007-07-20 2009-02-05 Nec Corp Optical transmission system and optical transmission method
US8170998B2 (en) * 2007-09-12 2012-05-01 American Express Travel Related Services Company, Inc. Methods, systems, and computer program products for estimating accuracy of linking of customer relationships
PT3598690T (en) 2007-09-17 2021-12-24 Ericsson Telefon Ab L M Method and arrangement in a telecommunication system
US8060502B2 (en) 2007-10-04 2011-11-15 American Express Travel Related Services Company, Inc. Methods, systems, and computer program products for generating data quality indicators for relationships in a database
US8417601B1 (en) 2007-10-18 2013-04-09 Jpmorgan Chase Bank, N.A. Variable rate payment card
US8571938B2 (en) * 2007-10-23 2013-10-29 Honeywell International Inc. Updating dynamic information within an intelligent controller utilizing a smart card
US8762240B2 (en) * 2007-11-21 2014-06-24 Nec Corporation Electronic value exchange system, terminal device, recovery device and method of exchanging electronic value adoptable thereto
US8694424B2 (en) 2007-12-18 2014-04-08 Federal Reserve Bank Of Atlanta System and method for managing foreign payments using separate messaging and settlement mechanisms
US8032435B2 (en) 2007-12-21 2011-10-04 Diasporalink Ab Secure transmission of money transfers
WO2009091611A1 (en) * 2008-01-18 2009-07-23 Identrust, Inc. Binding a digital certificate to multiple trust domains
US8078528B1 (en) 2008-02-21 2011-12-13 Jpmorgan Chase Bank, N.A. System and method for providing borrowing schemes
US20090259579A1 (en) * 2008-04-09 2009-10-15 International Business Marchines Corp System and method for transferring monetary value between currency documents
US20090281946A1 (en) 2008-05-12 2009-11-12 Davis Peter A ACH Payment Processing
WO2009143084A1 (en) * 2008-05-18 2009-11-26 Zetawire, Inc. Secured electronic transaction system
US9024722B2 (en) * 2008-06-16 2015-05-05 Bank Of America Corporation Remote identification equipped self-service monetary item handling device
US8556167B1 (en) 2008-06-16 2013-10-15 Bank Of America Corporation Prediction of future cash supply chain status
US8094021B2 (en) * 2008-06-16 2012-01-10 Bank Of America Corporation Monetary package security during transport through cash supply chain
US8210429B1 (en) 2008-10-31 2012-07-03 Bank Of America Corporation On demand transportation for cash handling device
US7827108B2 (en) * 2008-11-21 2010-11-02 Visa U.S.A. Inc. System and method of validating a relationship between a user and a user account at a financial institution
US8386322B2 (en) 2009-03-31 2013-02-26 Gilbarco Inc. Integrated point of sale terminal
US8280788B2 (en) 2009-10-29 2012-10-02 Visa International Service Association Peer-to-peer and group financial management systems and methods
US8676639B2 (en) 2009-10-29 2014-03-18 Visa International Service Association System and method for promotion processing and authorization
US8700510B2 (en) 2011-02-11 2014-04-15 Federal Reserve Bank Of Atlanta Redirecting or returning international credit transfers
US11514451B2 (en) 2011-03-15 2022-11-29 Capital One Services, Llc Systems and methods for performing financial transactions using active authentication
US10453062B2 (en) * 2011-03-15 2019-10-22 Capital One Services, Llc Systems and methods for performing person-to-person transactions using active authentication
US10346823B2 (en) 2011-08-12 2019-07-09 Citibank, N.A. Methods and systems for activating an electronic payments infrastructure
US20130282546A1 (en) * 2012-04-20 2013-10-24 Rajeshkumar Kadiwar Generating income from unused credit
US9990636B1 (en) 2012-05-24 2018-06-05 Jpmorgan Chase Bank, N.A. Enterprise fulfillment system with dynamic prefetching, secured data access, system monitoring, and performance optimization capabilities
US10679160B1 (en) 2012-05-24 2020-06-09 Jpmorgan Chase Bank Enterprise fulfillment system with dynamic prefetching capabilities, secured data access capabilities and system monitoring
US9697524B1 (en) 2012-05-24 2017-07-04 Jpmorgan Chase Bank, N.A. Enterprise fulfillment system with dynamic prefetching capabilities
CN102842082B (en) * 2012-07-23 2016-03-16 福建物联天下信息科技有限公司 Based on the method for payment of radio-frequency (RF) identification
KR101438431B1 (en) * 2013-03-08 2014-09-12 고려대학교 산학협력단 Charging System and Method for user service via communication network
US20140358774A1 (en) * 2013-05-28 2014-12-04 Morris E. Cohen Payment and Revenue Systems
CN104350530B (en) 2013-07-10 2017-07-07 日本电气株式会社 Settlement system, server apparatus, terminal device, method
US20150026042A1 (en) * 2013-07-21 2015-01-22 Luiz M Franca-Neto System and method for electronic cash-like transactions
US20150161272A1 (en) * 2013-12-10 2015-06-11 The Hart Island Project, Inc. Graphical User Interface With Dynamic Stopwatch For Decedent Management Systems And Methods
EP3140979A4 (en) * 2014-05-09 2017-12-27 Veritaseum Inc. Devices, systems, and methods for facilitating low trust and zero trust value transfers
US10970684B1 (en) 2014-05-20 2021-04-06 Wells Fargo Bank, N.A. Systems and methods for maintaining deposits of math-based currency
US11062278B1 (en) * 2014-05-20 2021-07-13 Wells Fargo Bank, N.A. Systems and methods for math-based currency credit transactions
US10909509B1 (en) 2014-05-20 2021-02-02 Wells Fargo Bank, N.A. Infrastructure for maintaining math-based currency accounts
US11170351B1 (en) 2014-05-20 2021-11-09 Wells Fargo Bank, N.A. Systems and methods for identity verification of math-based currency account holders
US10565645B1 (en) 2014-05-20 2020-02-18 Wells Fargo Bank, N.A. Systems and methods for operating a math-based currency exchange
US11037110B1 (en) 2014-05-20 2021-06-15 Wells Fargo Bank, N.A. Math based currency point of sale systems and methods
US11176524B1 (en) * 2014-05-20 2021-11-16 Wells Fargo Bank, N.A. Math based currency credit card
US11270274B1 (en) 2014-05-20 2022-03-08 Wells Fargo Bank, N.A. Mobile wallet using math based currency systems and methods
GB2528260A (en) * 2014-07-14 2016-01-20 Mastercard International Inc System and method for loading and reloading prepaid payment cards from mobile devices
AU2015343339A1 (en) 2014-11-03 2017-06-15 Genentech, Inc. Methods and biomarkers for predicting efficacy and evaluation of an OX40 agonist treatment
CN105719183A (en) * 2014-12-03 2016-06-29 阿里巴巴集团控股有限公司 Directional transfer method and apparatus
US10037528B2 (en) 2015-01-14 2018-07-31 Tactilis Sdn Bhd Biometric device utilizing finger sequence for authentication
US9607189B2 (en) 2015-01-14 2017-03-28 Tactilis Sdn Bhd Smart card system comprising a card and a carrier
US10395227B2 (en) 2015-01-14 2019-08-27 Tactilis Pte. Limited System and method for reconciling electronic transaction records for enhanced security
US10027715B2 (en) * 2015-06-03 2018-07-17 Samsung Electronics Co., Ltd. Electronic device and method for encrypting content
US10909510B1 (en) * 2015-06-26 2021-02-02 Wells Fargo Bank, N.A. Systems and methods for expediting math-based currency transactions
US10817935B1 (en) 2015-07-02 2020-10-27 Jpmorgan Chase Bank, N.A. System and method for increasing credit worthiness of account holders
US10719816B1 (en) 2015-11-19 2020-07-21 Wells Fargo Bank, N.A. Systems and methods for math-based currency escrow transactions
CN107230076B (en) * 2016-03-25 2021-02-12 中国人民银行数字货币研究所 Method and system for online payment of digital currency
US10419225B2 (en) 2017-01-30 2019-09-17 Factom, Inc. Validating documents via blockchain
CN107067254A (en) * 2017-02-06 2017-08-18 吕文华 A kind of circulation method of binary system digital currency
US10411897B2 (en) 2017-02-17 2019-09-10 Factom, Inc. Secret sharing via blockchains
US10817873B2 (en) 2017-03-22 2020-10-27 Factom, Inc. Auditing of electronic documents
US10275972B2 (en) 2017-05-18 2019-04-30 Bank Of America Corporation System for generating and providing sealed containers of traceable resources
US10217084B2 (en) 2017-05-18 2019-02-26 Bank Of America Corporation System for processing resource deposits
US10515518B2 (en) 2017-05-18 2019-12-24 Bank Of America Corporation System for providing on-demand resource delivery to resource dispensers
CN107358522B (en) * 2017-06-26 2020-09-29 中国人民银行数字货币研究所 Method and system for exchanging digital currency by using deposit
CN107392604B (en) * 2017-06-26 2020-09-29 中国人民银行数字货币研究所 Method and system for exchanging deposit by using digital currency
WO2019043430A1 (en) * 2017-08-29 2019-03-07 Mundi Maris Ralfs A system, a method and a currency unit for time degradable currency
KR102066341B1 (en) 2018-03-15 2020-01-14 이상열 Credit circulation system of electronic currency and method thereof
US11170366B2 (en) 2018-05-18 2021-11-09 Inveniam Capital Partners, Inc. Private blockchain services
US11134120B2 (en) 2018-05-18 2021-09-28 Inveniam Capital Partners, Inc. Load balancing in blockchain environments
US11328290B2 (en) 2018-08-06 2022-05-10 Inveniam Capital Partners, Inc. Stable cryptocurrency coinage
US11334874B2 (en) 2018-08-06 2022-05-17 Inveniam Capital Partners, Inc. Digital contracts in blockchain environments
US11164250B2 (en) * 2018-08-06 2021-11-02 Inveniam Capital Partners, Inc. Stable cryptocurrency coinage
US11444749B2 (en) 2020-01-17 2022-09-13 Inveniam Capital Partners, Inc. Separating hashing from proof-of-work in blockchain environments
US11729588B1 (en) 2021-09-30 2023-08-15 T-Mobile Usa, Inc. Stateless charging and message handling

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4926325A (en) * 1988-08-23 1990-05-15 Moneyfax, Inc. Apparatus for carrying out financial transactions via a facsimile machine
WO1991016691A1 (en) * 1990-04-12 1991-10-31 Jonhig Limited Value transfer system
EP0484603A1 (en) * 1990-11-09 1992-05-13 International Business Machines Corporation Non-repudiation in computer networks
WO1993008545A1 (en) * 1991-10-16 1993-04-29 Jonhig Limited Value transfer system
WO1993010503A1 (en) * 1991-11-15 1993-05-27 Citibank, N.A. Electronic-monetary system

Family Cites Families (124)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US557518A (en) * 1896-03-31 Carbon-holder for arc-lamps
US32985A (en) * 1861-08-06 Improvement in cast-iron ordnance
US3559175A (en) * 1967-10-23 1971-01-26 Ivan Dwayne Pomeroy Credit card system
US3573747A (en) * 1969-02-24 1971-04-06 Institutional Networks Corp Instinet communication system for effectuating the sale or exchange of fungible properties between subscribers
US3852571A (en) * 1970-05-18 1974-12-03 Hempstead Bank System of transferral of funds
US3749887A (en) * 1971-02-24 1973-07-31 R Giuliani Electric credit card system for use with cash register
US3906460A (en) * 1973-01-11 1975-09-16 Halpern John Wolfgang Proximity data transfer system with tamper proof portable data token
US3932730A (en) * 1973-05-02 1976-01-13 Electronic Memories & Magnetics Corporation Point-of-action billing transactor
FR2304965A2 (en) * 1974-03-25 1976-10-15 Innovation Ste Int ELECTRONIC CONTROL PROCESS AND DEVICE
US3971916A (en) * 1974-03-25 1976-07-27 Societe Internationale Methods of data storage and data storage systems
US3937925A (en) * 1974-06-25 1976-02-10 Ibm Corporation Modular transaction terminal with microprocessor control
US3934122A (en) * 1974-08-15 1976-01-20 Riccitelli James A Electronic security card and system for authenticating card ownership
US4053735A (en) * 1975-08-07 1977-10-11 Foudos James N Assured-check computer-based bank credit disbursing system
GB1556186A (en) * 1975-08-14 1979-11-21 Matsushita Electric Ind Co Ltd Automatic vending systems
US4001550A (en) * 1975-12-04 1977-01-04 Schatz Vernon L Universal funds transfer and identification card
US4179064A (en) * 1976-03-18 1979-12-18 Matsushita Electric Industrial Co., Ltd. Vending apparatus
FR2386080A1 (en) * 1977-03-31 1978-10-27 Cii Honeywell Bull ACCOUNTING SYSTEM FOR PREDETERMINED HOMOGENEOUS UNITS
FR2389284A1 (en) * 1977-04-27 1978-11-24 Cii Honeywell Bull INFORMATION PROCESSING SYSTEM PROTECTING THE SECRET OF CONFIDENTIAL INFORMATION
US4270042A (en) * 1977-08-01 1981-05-26 Case John M Electronic funds transfer system
US4218582A (en) * 1977-10-06 1980-08-19 The Board Of Trustees Of The Leland Stanford Junior University Public key cryptographic apparatus and method
US4405829A (en) * 1977-12-14 1983-09-20 Massachusetts Institute Of Technology Cryptographic communications system and method
US4277837A (en) * 1977-12-30 1981-07-07 International Business Machines Corporation Personal portable terminal for financial transactions
US4214230A (en) * 1978-01-19 1980-07-22 Rolf Blom Personal identification system
US4172552A (en) * 1978-09-21 1979-10-30 Case John M Credit card processing system
US4320387A (en) * 1978-12-28 1982-03-16 Powell William S Information communicating apparatus and method
SE7901889L (en) * 1979-03-02 1980-09-03 Karl Bengt Trehn ONE OF A PERSON AVAILABLE AND EASY PORTABLE DEVICE
FR2455320B1 (en) * 1979-04-25 1986-01-24 Cii Honeywell Bull DEVICE FOR RECYCLING IDENTIFIABLE RECORDING MEDIA USING IDENTIFICATION DATA AND NON-VOLATILE DELETE MONOLITHIC MEMORY COMPOUNDS
US4321672A (en) * 1979-11-26 1982-03-23 Braun Edward L Financial data processing system
US4302810A (en) * 1979-12-28 1981-11-24 International Business Machines Corporation Method and apparatus for secure message transmission for use in electronic funds transfer systems
US4305059A (en) * 1980-01-03 1981-12-08 Benton William M Modular funds transfer system
US4529870A (en) * 1980-03-10 1985-07-16 David Chaum Cryptographic identification, financial transaction, and credential device
FR2480539B1 (en) * 1980-04-09 1985-09-13 Cii Honeywell Bull METHOD AND SYSTEM FOR TRANSMITTING SIGNED MESSAGES
FR2483657B1 (en) * 1980-05-30 1986-11-21 Bull Sa PORTABLE MACHINE FOR CALCULATING OR PROCESSING INFORMATION
US4341951A (en) * 1980-07-02 1982-07-27 Benton William M Electronic funds transfer and voucher issue system
US4597046A (en) * 1980-10-22 1986-06-24 Merrill Lynch, Pierce Fenner & Smith Securities brokerage-cash management system obviating float costs by anticipatory liquidation of short term assets
US4404649A (en) * 1980-11-03 1983-09-13 Recognition Equipment Incorporated Document processing system
FR2497617B1 (en) * 1981-01-07 1989-08-18 Transac Develop Transactions A SECURITY METHOD AND DEVICE FOR TRIPARTITY COMMUNICATION OF CONFIDENTIAL DATA
EP0076255A1 (en) * 1981-04-07 1983-04-13 BENTON, William M. Transaction verification system using optical data communication link
JPS5854426B2 (en) * 1981-04-08 1983-12-05 株式会社日立製作所 portable terminal device
US4443027A (en) * 1981-07-29 1984-04-17 Mcneely Maurice G Multiple company credit card system
US4453074A (en) * 1981-10-19 1984-06-05 American Express Company Protection system for intelligent cards
GB2115996B (en) * 1981-11-02 1985-03-20 Kramer Kane N Portable data processing and storage system
US4454414A (en) * 1982-06-16 1984-06-12 Vericard Corporation Funds transfer system using optically coupled, portable modules
FR2530053B1 (en) * 1982-07-08 1986-04-25 Bull Sa METHOD FOR CERTIFYING THE SOURCE OF AT LEAST ONE INFORMATION RECORDED IN A MEMORY OF A FIRST ELECTRONIC DEVICE AND TRANSMITTED TO A SECOND ELECTRONIC DEVICE, AND SYSTEM FOR IMPLEMENTING SUCH A METHOD
USRE32985E (en) 1982-07-09 1989-07-11 Omron Tateisi Electronics Co. Credit transaction processing system
US4723284A (en) * 1983-02-14 1988-02-02 Prime Computer, Inc. Authentication system
JPS59154572A (en) * 1983-02-23 1984-09-03 Omron Tateisi Electronics Co Transaction settling device
US4906828A (en) * 1983-02-28 1990-03-06 Paperless Accounting, Inc. Electronic money purse and fund transfer system
US4536647A (en) * 1983-07-15 1985-08-20 Atalla Corporation Pocket banking terminal, method and system
US4926480A (en) * 1983-08-22 1990-05-15 David Chaum Card-computer moderated systems
US4759064A (en) * 1985-10-07 1988-07-19 Chaum David L Blind unanticipated signature systems
US4625276A (en) * 1983-08-31 1986-11-25 Vericard Corporation Data logging and transfer system using portable and resident units
SE442249B (en) * 1983-11-17 1985-12-09 Ericsson Telefon Ab L M PROCEDURE AND DEVICE FOR VERIFICATION OF PERSONAL IDENTIFICATION NUMBER AND CHECKING INSERT NUMBER SERIES IN IDENTIFICATION MEDIA
US4630201A (en) * 1984-02-14 1986-12-16 International Security Note & Computer Corporation On-line and off-line transaction security system using a code generated from a transaction parameter and a random number
US4575621A (en) * 1984-03-07 1986-03-11 Corpra Research, Inc. Portable electronic transaction device and system therefor
JPS60144154U (en) * 1984-03-07 1985-09-25 シャープ株式会社 portable computer
US4752877A (en) * 1984-03-08 1988-06-21 College Savings Bank Method and apparatus for funding a future liability of uncertain cost
US4722055A (en) * 1984-03-08 1988-01-26 College Savings Bank Methods and apparatus for funding future liability of uncertain cost
US4642768A (en) * 1984-03-08 1987-02-10 Roberts Peter A Methods and apparatus for funding future liability of uncertain cost
EP0247623A3 (en) * 1984-03-19 1989-09-20 Omron Tateisi Electronics Co. Ic card transaction system
US4736094A (en) * 1984-04-03 1988-04-05 Omron Tateisi Electronics Co. Financial transaction processing system using an integrated circuit card device
US4751640A (en) * 1984-06-14 1988-06-14 Citibank, Na Automated investment system
US4727243A (en) * 1984-10-24 1988-02-23 Telenet Communications Corporation Financial transaction system
US4864109A (en) * 1984-11-12 1989-09-05 Nobuo Minematsu Electronic bankbook and transaction system for use therewith
US4614861A (en) * 1984-11-15 1986-09-30 Intellicard International, Inc. Unitary, self-contained card verification and validation system and method
US4689478A (en) * 1984-12-24 1987-08-25 Ncr Corporation System for handling transactions including a portable personal terminal
US4634845A (en) * 1984-12-24 1987-01-06 Ncr Corporation Portable personal terminal for use in a system for handling transactions
US4650978A (en) * 1985-01-23 1987-03-17 Rmh Systems, Inc. Off line cash card system and method
JPS61201390A (en) * 1985-03-04 1986-09-06 Casio Comput Co Ltd Ic card
US4766539A (en) * 1985-03-08 1988-08-23 Fox Henry L Method of determining the premium for and writing a policy insuring against specified weather conditions
JPS61160566U (en) * 1985-03-25 1986-10-04
JPS61264485A (en) * 1985-05-18 1986-11-22 Hitachi Maxell Ltd Reader and writer for integrated circuit card
JPH069067B2 (en) * 1985-07-16 1994-02-02 カシオ計算機株式会社 IC card system
JPH0818473B2 (en) * 1985-07-31 1996-02-28 トッパン・ムーア株式会社 IC card that can set confidentiality level
FR2591007B1 (en) * 1985-12-02 1988-02-19 Remery Patrick ELECTRONIC PAYMENT METHOD USING A MEMORY CARD
US4752676A (en) * 1985-12-12 1988-06-21 Common Bond Associates Reliable secure, updatable "cash" card system
FR2592510B1 (en) * 1985-12-31 1988-02-12 Bull Cp8 METHOD AND APPARATUS FOR CERTIFYING SERVICES OBTAINED USING A PORTABLE MEDIUM SUCH AS A MEMORY CARD
JPS62254265A (en) * 1986-04-28 1987-11-06 Hitachi Ltd Control system for automatic cash transaction machine
US4742215A (en) * 1986-05-07 1988-05-03 Personal Computer Card Corporation IC card system
US4823264A (en) * 1986-05-27 1989-04-18 Deming Gilbert R Electronic funds transfer system
JPS633393A (en) * 1986-06-24 1988-01-08 Hitachi Ltd Card processing system with display function
US4766293A (en) * 1986-06-26 1988-08-23 Visa International Service Association Portable financial transaction card capable of authorizing a transaction in foreign currencies
US4748668A (en) * 1986-07-09 1988-05-31 Yeda Research And Development Company Limited Method, apparatus and article for identification and signature
JPS6332658A (en) * 1986-07-28 1988-02-12 Casio Comput Co Ltd Ic card system
JPH07104891B2 (en) * 1986-08-05 1995-11-13 沖電気工業株式会社 Transaction processor
US4799156A (en) * 1986-10-01 1989-01-17 Strategic Processing Corporation Interactive market management system
US4750119A (en) * 1986-10-10 1988-06-07 Tradevest, Inc. Purchasing system with rebate feature
US5162989A (en) * 1987-02-20 1992-11-10 Oki Electric Industry Co., Ltd. Information rental system including processor equipped IC card having data erasing means
US4968873A (en) * 1987-09-08 1990-11-06 Juergen Dethloff Smart card issuing and receiving apparatus
US4837422A (en) * 1987-09-08 1989-06-06 Juergen Dethloff Multi-user card system
US4962530A (en) * 1987-09-10 1990-10-09 Computer Security Corporation System for cryptographing and identification
JP2698588B2 (en) * 1987-11-13 1998-01-19 株式会社東芝 Portable electronic devices
FR2623309B1 (en) * 1987-11-13 1994-04-08 Boule Jean Pierre DEVICE AND METHOD FOR SECURING DATA EXCHANGE BETWEEN A VIDEOTEX TERMINAL AND A SERVER
US5012076A (en) * 1988-03-02 1991-04-30 Hitachi, Ltd. Transaction method wherein transaction amount is compared with account balance before ID is entered
US4987593A (en) * 1988-03-16 1991-01-22 David Chaum One-show blind signature systems
US4914698A (en) * 1988-03-16 1990-04-03 David Chaum One-show blind signature systems
US4995081A (en) * 1988-03-21 1991-02-19 Leighton Frank T Method and system for personal identification using proofs of legitimacy
US4879747A (en) * 1988-03-21 1989-11-07 Leighton Frank T Method and system for personal identification
JPH01263893A (en) * 1988-04-15 1989-10-20 Toshiba Corp Portable electronic device
FR2639742B2 (en) * 1988-05-30 1992-03-13 Dassault Electronique TRANSACTION SYSTEM OF THE MIXED ELECTRONIC PURSE TYPE
US4985833A (en) * 1988-08-24 1991-01-15 First City, Texas- N. A. Extended coverage monetary regulation system
US4949380A (en) * 1988-10-20 1990-08-14 David Chaum Returned-value blind signature systems
US4933971A (en) 1989-03-14 1990-06-12 Tandem Computers Incorporated Method for encrypting transmitted data using a unique key
US4977595A (en) * 1989-04-03 1990-12-11 Nippon Telegraph And Telephone Corporation Method and apparatus for implementing electronic cash
US4991210A (en) * 1989-05-04 1991-02-05 David Chaum Unpredictable blind signature systems
US4996711A (en) * 1989-06-21 1991-02-26 Chaum David L Selected-exponent signature systems
FR2650097B1 (en) * 1989-07-19 1992-12-31 Pailles Jean Claude CABLE MICROCIRCUIT CARD AND TRANSACTION METHOD BETWEEN A CORRESPONDING CABLE MICROCIRCUIT CARD AND A TERMINAL
US4964164A (en) * 1989-08-07 1990-10-16 Algorithmic Research, Ltd. RSA computation method for efficient batch processing
ZA907106B (en) 1989-10-06 1991-09-25 Net 1 Products Pty Ltd Funds transfer system
FR2653248B1 (en) 1989-10-13 1991-12-20 Gemolus Card International PAYMENT OR INFORMATION TRANSFER SYSTEM BY ELECTRONIC MEMORY CARD.
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
US5623547A (en) 1990-04-12 1997-04-22 Jonhig Limited Value transfer system
NL9120015A (en) 1990-04-27 1993-02-01 Scandic Int Pty Ltd Intelligent card validation device and method
US5231569A (en) 1990-06-12 1993-07-27 Sears Payment Systems, Inc. Account transaction system
US5305200A (en) 1990-11-02 1994-04-19 Foreign Exchange Transaction Services, Inc. Financial exchange system having automated recovery/rollback of unacknowledged orders
US5221838A (en) 1990-12-24 1993-06-22 Motorola, Inc. Electronic wallet
FR2671889A1 (en) 1991-01-22 1992-07-24 Pailles Jean Claude METHOD OF EXCHANGING RIGHTS BETWEEN MICROPROCESSOR CARDS.
FR2674976B1 (en) 1991-04-03 1993-06-11 France Telecom ELECTRONIC PAYMENT METHOD WITH CHIP CARD USING NUMBERED TOKENS FOR DETECTION OF FRAUD.
US5224162A (en) 1991-06-14 1993-06-29 Nippon Telegraph And Telephone Corporation Electronic cash system
JP3083187B2 (en) 1991-09-30 2000-09-04 富士通株式会社 Key management method of electronic wallet system
US5557518A (en) 1994-04-28 1996-09-17 Citibank, N.A. Trusted agents for open electronic commerce
US5418854A (en) 1992-04-28 1995-05-23 Digital Equipment Corporation Method and apparatus for protecting the confidentiality of passwords in a distributed data processing system
US5396558A (en) 1992-09-18 1995-03-07 Nippon Telegraph And Telephone Corporation Method and apparatus for settlement of accounts by IC cards
US5557516A (en) 1994-02-04 1996-09-17 Mastercard International System and method for conducting cashless transactions

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4926325A (en) * 1988-08-23 1990-05-15 Moneyfax, Inc. Apparatus for carrying out financial transactions via a facsimile machine
WO1991016691A1 (en) * 1990-04-12 1991-10-31 Jonhig Limited Value transfer system
EP0484603A1 (en) * 1990-11-09 1992-05-13 International Business Machines Corporation Non-repudiation in computer networks
WO1993008545A1 (en) * 1991-10-16 1993-04-29 Jonhig Limited Value transfer system
WO1993010503A1 (en) * 1991-11-15 1993-05-27 Citibank, N.A. Electronic-monetary system

Also Published As

Publication number Publication date
CA2218612A1 (en) 1996-10-24
HUP9800982A3 (en) 1998-10-28
WO1996033476A2 (en) 1996-10-24
JP3604151B2 (en) 2004-12-22
SK142697A3 (en) 1998-11-04
US6047067A (en) 2000-04-04
NO974835D0 (en) 1997-10-20
BR9608187A (en) 1999-05-04
AU720200B2 (en) 2000-05-25
KR19990007959A (en) 1999-01-25
NO974835L (en) 1997-12-19
UA45399C2 (en) 2002-04-15
SI9620055A (en) 1998-10-31
PL323007A1 (en) 1998-03-02
JP2002230448A (en) 2002-08-16
CZ332397A3 (en) 1998-09-16
CN1185851A (en) 1998-06-24
PL180662B1 (en) 2001-03-30
US5920629A (en) 1999-07-06
US5953423A (en) 1999-09-14
NZ306918A (en) 1999-07-29
PL182138B1 (en) 2001-11-30
CA2218612C (en) 2002-12-31
US5963648A (en) 1999-10-05
MX9708120A (en) 1998-04-30
HU221396B1 (en) 2002-09-28
JPH11504144A (en) 1999-04-06
AU5561596A (en) 1996-11-07
US5799087A (en) 1998-08-25
HUP9800982A2 (en) 1998-08-28
EP0823105A2 (en) 1998-02-11

Similar Documents

Publication Publication Date Title
WO1996033476A3 (en) Electronic-monetary system
TW224172B (en)
Rosen Creating an Electronic Monetary System
TH24116EX (en) Electronic financial system
TH24116A (en) Electronic financial system

Legal Events

Date Code Title Description
WWE Wipo information: entry into national phase

Ref document number: 96194231.2

Country of ref document: CN

AK Designated states

Kind code of ref document: A2

Designated state(s): AL AM AT AU AZ BB BG BR BY CA CH CN CZ DE DK EE ES FI GB GE HU IS JP KE KG KP KR KZ LK LR LS LT LU LV MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK TJ TM TR TT UA UG UZ VN AM AZ BY KG KZ MD RU TJ TM

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): KE LS MW SD SZ UG AT BE CH DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN ML

AK Designated states

Kind code of ref document: A3

Designated state(s): AL AM AT AU AZ BB BG BR BY CA CH CN CZ DE DK EE ES FI GB GE HU IS JP KE KG KP KR KZ LK LR LS LT LU LV MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK TJ TM TR TT UA UG UZ VN AM AZ BY KG KZ MD RU TJ

AL Designated countries for regional patents

Kind code of ref document: A3

Designated state(s): KE LS MW SD SZ UG AT BE CH DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN ML

DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
121 Ep: the epo has been informed by wipo that ep was designated in this application
WWE Wipo information: entry into national phase

Ref document number: 306918

Country of ref document: NZ

WWE Wipo information: entry into national phase

Ref document number: 142697

Country of ref document: SK

ENP Entry into the national phase

Ref document number: 2218612

Country of ref document: CA

Ref document number: 2218612

Country of ref document: CA

Kind code of ref document: A

WWE Wipo information: entry into national phase

Ref document number: PV1997-3323

Country of ref document: CZ

ENP Entry into the national phase

Ref document number: 1996 531976

Country of ref document: JP

Kind code of ref document: A

WWE Wipo information: entry into national phase

Ref document number: 1019970707483

Country of ref document: KR

Ref document number: PA/a/1997/008120

Country of ref document: MX

WWE Wipo information: entry into national phase

Ref document number: 1996912971

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 1199701102

Country of ref document: VN

WWP Wipo information: published in national office

Ref document number: 1996912971

Country of ref document: EP

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

WWP Wipo information: published in national office

Ref document number: PV1997-3323

Country of ref document: CZ

WWP Wipo information: published in national office

Ref document number: 1019970707483

Country of ref document: KR

WWR Wipo information: refused in national office

Ref document number: 1019970707483

Country of ref document: KR

WWR Wipo information: refused in national office

Ref document number: PV1997-3323

Country of ref document: CZ

WWW Wipo information: withdrawn in national office

Ref document number: 1996912971

Country of ref document: EP