A method for facilitating a secure transaction with an automated teller machine (ATM) with a user's electronic device, via a wireless interface. The method includes receiving a priming action from the user, priming the electronic device for an interaction with the ATM, via the wireless interface of the electronic device, displaying on a touch-screen display user interface of the electronic device at least one image and information, representing at least one of a user selectable selected transaction account, authorizing a valid user of the electronic device, via an identification of an authorized user of the electronic device using the selected transaction account, and transmitting, over the wireless interface of the electronic device and the ATM, a limited-use transaction information used in place of an issued information associated with the selected transaction account. The limited-use transaction information includes a static transaction information and a dynamically generated transaction information. The static transaction information is retrieved from a memory of the electronic device in response to the authorized user selecting the selected transaction account, and the dynamically generated transaction information is generated by a processor of the electronic device in response to the authorized user initiating an interaction with an ATM transaction, and combining an information of: the selected transaction account, a sequential count of transactions performed by the electronic device with the transaction account, an information of the authorized user, a transaction-specific information, a wireless interface transactional information, an information specific to the electronic device performing the transaction, a secret associated with the selected transaction account. The electronic device provides a visual status, of the ATM interaction via the wireless interface, including a transaction success or a failure status, through the user interface.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G07F 7/08 - 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
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A method of transacting an electronic payment information, associated with an issued payment account, for a payment transaction from a multi-function smart tokenizing electronic device. The method includes the electronic device accepting a user input at a touch user-interface, including a display and a touch-sensor array, disposed of the electronic device; the electronic device rendering on the display at least one user selectable choice of an issued payment account for funding the payment transaction, represented by at least one informational image of the issued payment account; the electronic device generating a limited-use payment information, uniquely for use, by the electronic device, of the issued payment account based on a device specific information, wherein at least a portion of the limited-use payment information is dynamically generated based on a sequential usage count, a time derived from a real-time clock of the device, and at least one information available to the electronic device, selected from a set of payment-limiting parameters consisting of: a device-specific electronic device information, a user-selected issued payment account, and wherein the limited-use payment information is encoded in a graphical image on the display, for completing the payment transaction at a merchant's payment reader facility; and responsive to transacting the limited-use payment information with the merchant, receiving an information reflecting a status of the payment transaction, via an interface of the electronic device.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G07F 7/08 - 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
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
3.
MACHINE LEARNING ARCHITECTURE FOR MALICIOUS DOMAIN DETECTION AND PHISHING PREVENTION
Presented are apparatus, systems and methods for more secure online interactions from computing devices, including protections of sensitive identity, personal, employer, membership, financial and payments information; from the increasing waves of hacking, and relentless bombardment of phishing attacks; with ever more sophisticated social-engineering, which are increasingly indistinguishable from interactions with a genuine online connection.
Presented are apparatus, systems and methods for more secure online interactions from computing devices, including protections of sensitive identity, personal, employer, membership, financial and payments information; from the increasing waves of hacking, and relentless bombardment of phishing attacks; with ever more sophisticated social-engineering, which are increasingly indistinguishable from interactions with a genuine online connection.
In one example, the computing device can store a data structure in a first application, the data structure comprising a set of sensitive-attribute data, and an identification of a plurality of predefined or otherwise known hosts, from a list of known remote hosts. The computing-device/local-host can execute a second application to locally render a remote internet resource, such as a web page, which may additionally request the input of one or more sensitive-attribute data entry fields.
Presented are apparatus, systems and methods for more secure online interactions from computing devices, including protections of sensitive identity, personal, employer, membership, financial and payments information; from the increasing waves of hacking, and relentless bombardment of phishing attacks; with ever more sophisticated social-engineering, which are increasingly indistinguishable from interactions with a genuine online connection.
In one example, the computing device can store a data structure in a first application, the data structure comprising a set of sensitive-attribute data, and an identification of a plurality of predefined or otherwise known hosts, from a list of known remote hosts. The computing-device/local-host can execute a second application to locally render a remote internet resource, such as a web page, which may additionally request the input of one or more sensitive-attribute data entry fields.
Responsive to receiving a uniform resource identifier (URI) (from an eMail, Text, scanned QR code, Hyperlink, Browser App or other), the computing device executes a first application to identify and analyze the URI, generate a plurality of first features comprising an identity of a remote host of the web-site page, compare the identity of the remote host to the identification of the plurality of known remote hosts, execute a heuristic algorithm or machine learning model, on the local host, to generate a source and content risk-score, of the remote host and the web page it conveys. The execution therebefore described can thus aid the computing device to more intelligently decide to: permit, restrict, or modify data generation methods in an auto-population entry of the one or more sensitive-attribute data entry fields, including but not limited to: selecting a payment information generation method for such data fields, based on risk analysis of said uniform resource identifier. This embodiment of the present disclosure can improve the ability of said computing device and said device user to more-immediately and objectively: identify, avoid, or manage; phishing and hacking attacks, versus those from legitimate or reputationally-sound remote hosts.
Presented are apparatus, systems and methods for more secure online interactions from computing devices, including protections of sensitive identity, personal, employer, membership, financial and payments information; from the increasing waves of hacking, and relentless bombardment of phishing attacks; with ever more sophisticated social-engineering, which are increasingly indistinguishable from interactions with a genuine online connection. In one example, the computing device can store a data structure in a first application, the data structure comprising a set of sensitive-attribute data, and an identification of a plurality of predefined or otherwise known hosts, from a list of known remote hosts. The computing-device/local-host can execute a second application to locally render a remote internet resource, such as a web page, which may additionally request the input of one or more sensitive-attribute data entry fields. Responsive to receiving a uniform resource identifier (URI) (from an eMail, Text, scanned QR code, Hyperlink, Browser App or other), the computing device executes a first application to identify and analyze the URI, generate a plurality of first features comprising an identity of a remote host of the web-site page, compare the identity of the remote host to the identification of the plurality of known remote hosts, execute a heuristic algorithm or machine learning model, on the local host, to generate a source and content risk-score, of the remote host and the web page it conveys. The execution therebefore described can thus aid the computing device to more intelligently decide to: permit, restrict, or modify data generation methods in an auto-population entry of the one or more sensitive-attribute data entry fields, including but not limited to: selecting a payment information generation method for such data fields, based on risk analysis of said uniform resource identifier. This embodiment of the present disclosure can improve the ability of said computing device and said device user to more-immediately and objectively: identify, avoid, or manage; phishing and hacking attacks, versus those from legitimate or reputationally-sound remote hosts.
A method of conducting a currency transfer, the method comprising: receiving, at a first electronic device, a user input initiating a direction of currency transfer responsive to the first electronic device disposed in proximity of a second electronic device; displaying, on a display of the first electronic device, at least one image representing a selected transaction account; wherein a memory of the first electronic device comprises user-specific information and a selected transaction account funded amount; receiving, at the first electronic device, a user input of a transferred currency amount for transfer to the second electronic device, wherein the transferred currency amount is at least a portion of the selected transaction account funded amount; receiving, at the first electronic device, an authorized user confirmation of a currency transfer using the selected transaction account; detecting, by a proximity sensing of the first electronic device, that the first electronic device is within a predetermined proximity of the second electronic device; in response to detecting that the first electronic device is within a predetermined proximity of the second electronic device, generating, by a processor of the first electronic device, a limited-use currency transfer information based on the user-specific information and the selected transaction account funded amount; transmitting, by a wireless communications interface of the first electronic device, the limited-use currency transfer information from the first electronic device to the second electronic device; and effecting a transfer of currency between a transaction account of a user of the first electronic device and the second electronic device user, wherein the currency is selected from the group comprising of: funds, digital-currency, cryptocurrency, debt, and credit.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G07F 7/08 - 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
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
6.
MULTI-FUNCTION ELECTRONIC PAYMENT CARD AND DEVICE SYSTEM
A payment card device includes a thin card-shaped payment-card-standard compatible body, a memory, a processor coupled to the memory; and a payment card reader interface. The payment card reader interface includes at least one interface selected from a set of payment-card-standard interfaces consisting of: a smart card reader interface, a magnetic-stripe interface, an RF interface, an NFC interface, a display interface, an information visible on the surface of the payment card device, and a wireless interface. The payment information for a transaction is operable to be conveyed via at least one of the payment-card-standard interfaces, and includes a limited-use payment information. The limited-use payment information is limited to a use only on the selected payment card interface used at a payment card reader facility. The limited-use payment information is invalid in a use other than via the selected payment card interface.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G07F 7/08 - 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
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
38 - Telecommunications services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software for managing electronic payment transactions using distributed ledger technology (DLT); Downloadable computer software for managing electronic payment transactions for online marketplaces of goods authenticated by non-fungible tokens (NFTs); Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Downloadable computer software for use as an application programming interface (API); Downloadable application programming interface (API) software; Downloadable middleware for software application integration; Smartphones; Automated teller machines (ATM); Automated teller machines; Downloadable computer software for controlling self-service terminals; Computer hardware and peripheral devices; Computer hardware and computer peripheral devices; Electronic key fobs being remote control apparatus; Multi-functional electronic payment terminals; Multi-functional computer terminals with payment function; Point-of-sale terminals for making contactless payments; Electronic devices for reading, encoding and programming transponder keys; Personal computers; Handheld personal computers; Personal digital assistant computers; Downloadable computer game software for personal computers and home video game consoles; Smart watches; Smartwatches; Smart card readers; Encoded smart cards containing programming used to make electronic and contactless payments; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Electronic and magnetic ID cards for use in connection with payment for services; Downloadable computer software and firmware for the performance of payment transactions by verifying user accounts through identifying and authenticating user approval, incorporating transactional, user-chosen payment limitations, and providing analytical information on compliance with the user-chosen payment limitations; Downloadable computer software and firmware for accessing payment accounts on transactional devices being payment card readers, payment terminals, automated teller machines, merchant payment facility and online payment interfaces, internet payment applications, and user identification and authentication devices; Encoded smart cards containing programming and information for the performance of payment transactions by verifying user accounts through identifying and authenticating user approval, incorporating transactional, user-chosen payment limitations, and providing analytical information on compliance with the user-chosen payment limitations; Downloadable computer software and firmware for merchant processing, storage, and tracking of user payment account payment account information authenticated by non-fungible tokens (NFT) using dynamic account tokenization applications for validation, authentication, security, access, and online cross-referencing; Downloadable computer software and firmware for electronic devices for performing in-store and person-to-person payment transactions via smartphones, smartwatches, smartdevices, smartcards, personal computers, payment cards, smart key-fobs, smartrings, smart wearable devices, smart glasses, smart consumer electronic devices, smart automobiles, and smart clothing; Downloadable computer software and firmware for personal computing devices for performing an online transaction via smartphones, smartwatches, smartdevices, smartcards, personal computers, payment cards, smart key-fobs, smartrings, smart wearable devices, smart glasses, smart consumer electronic devices, smart automobiles, and smart clothing; Downloadable computer software featuring digital trading cards; Downloadable computer software for use in computer access control; Biometric identification apparatus; Radio-frequency identification (RFID) readers; Encoded identity cards; Biometric identity cards; Identity cards, magnetic; Electronically encoded identity wristbands; Magnetically encoded identity cards Corporate identity services Providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; Processing of electronic wallet payments; Processing of debit card payments; Processing of credit card payments; Processing electronic payments made through prepaid cards; Processing of contactless credit and debit card payments; Pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; Stored value prepaid card services, namely, processing electronic payments made through prepaid cards; Processing of credit card payments via near field communication (NFC) technology-enabled devices; Financial transaction services, namely, providing secure commercial transactions and payment options; Payment processing services, namely, credit card and debit card transaction processing services; Providing an internet website portal in the field of financial transaction and payment processing services; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Credit and cash card payment processing services; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Credit card payment processing services; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network Providing electronic transmission of credit card transaction data and electronic payment data via a global computer network Designing computer software for controlling self-service terminals; Computer hardware design; Computer hardware and software design; Design and development of computer hardware; Design and development of computer hardware and software; Consultancy in the design and development of computer hardware; Computer software design for others; Design of computer hardware, integrated circuits, communications hardware and software and computer networks for others; Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
38 - Telecommunications services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software for managing and validating cryptocurrency transactions using blockchain-based smart contracts; Cryptocurrency hardware wallets; Downloadable computer software for managing cryptocurrency transactions using blockchain technology; Downloadable computer software for use as a cryptocurrency wallet; Computer hardware for cryptocurrency mining; Downloadable computer software for managing and verifying cryptocurrency transactions on a blockchain; Downloadable computer software for managing electronic payment transactions using distributed ledger technology (DLT); Security token hardware for user authentication; Downloadable computer software for minting non-fungible tokens (NFTs); Downloadable image files of accessories for computer game avatars authenticated by non-fungible tokens (NFTs); Security token hardware; Electronic security token in the nature of a fob-like device used by an authorized user of a computer system to facilitate authentication; Downloadable computer software applications for minting non-fungible tokens (NFTs); Electronic and magnetic ID cards for use in connection with payment for services; Electronic payment terminal; Electronic apparatus and devices for controlling access to pay-television services; Multi-functional electronic payment terminals; Multi-functional computer terminals with payment function; Near field communication (NFC) tags for identifying goods, merchant, purchase price, online information, inventory control, security information, and payments; Point-of-sale terminals for making contactless payments; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Downloadable mobile applications for managing electronic payment transactions for online marketplaces of goods authenticated by non-fungible tokens (NFTs); Downloadable computer software for managing electronic payment transactions for online marketplaces of goods authenticated by non-fungible tokens (NFTs); Downloadable electronic commerce computer programs for storing tokenized records of transactions using blockchain technology; Downloadable electronic commerce computer programs for tokenized representations of wallets, identity, balance, currency, payment authority, bank, issuer and account details using blockchain technology; Downloadable computer software, namely, software development tools for the creation of mobile internet applications and client interfaces Cryptocurrency exchange services featuring blockchain technology; Cryptocurrency payment processing; Electronic transfer of cryptocurrency; Financial exchange of cryptocurrency via decentralized exchanges (DEXs); Cryptocurrency trading services provided via decentralized exchanges (DEXs); Financial exchange of cryptocurrency; Payment verification services using distributed ledger technology (DLT); Loyalty program payment processing services; Merchant services, namely, payment transaction processing services; Financial transaction services, namely, providing secure commercial transactions and payment options; Stored value prepaid card services, namely, processing electronic payments made through prepaid cards; Redeeming the vouchers of others for payment of goods or services; Providing an internet website portal in the field of financial transaction and payment processing services; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Blockchain-based payment verification services; Processing of electronic wallet payments; Payment and funds verification services; Charge card and credit card payment processing services; Credit and cash card payment processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; Providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; Credit card payment processing services; Payment processing services, namely, credit card and debit card transaction processing services; Pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; Processing of contactless credit and debit card payments; Processing of debit card payments; Processing of credit card payments; Stablecoin payment processing; Payment verification services; Cryptocurrency staking services in the nature of cryptocurrency payment and funds verification Providing electronic transmission of credit card transaction data and electronic payment data via a global computer network; Providing electronic transmission of contactless payment data via the internet Providing on-line non-downloadable software for generating cryptographic keys for receiving and spending cryptocurrency; User authentication services using blockchain technology for co-ordination of distributed compute processing; Cryptocurrency mining co-location services, namely, providing facilities for the location of computer hardware for cryptocurrency mining with the equipment of others; Providing on-line non-downloadable computer software for use as a cryptocurrency wallet; Electronic storage of cryptocurrency for others; Providing technology information in the field of cryptocurrency; Providing a website featuring technology that enables users to generate printable cryptocurrency wallets; Installation of computer software for cryptocurrency mining; Electronic storage of crypto tokens for others; Electronic storage of cryptocurrency; Providing online non-downloadable computer software for minting non-fungible tokens (NFTs); Provision of online non-downloadable computer software for minting non-fungible tokens (NFTs); Provision of online non-downloadable software for minting non-fungible tokens (NFTs); Providing online non-downloadable software for minting non-fungible tokens (NFTs); Research in the field of mobile payment technology
36 - Financial, insurance and real estate services
38 - Telecommunications services
Goods & Services
Promoting the goods and services of others by means of a loyalty rewards card scheme; Promoting the goods and services of others by means of the issuance of loyalty rewards cards; Providing incentive award programs for customers and employees through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty; Financial intermediary services, namely, arranging for and providing tokenization services to facilitate completion of debit and credit card transactions Debit card transaction processing services provided via mobile device, merchant store-checkout, point-of-sale-terminal, self-checkout payment facilities, financial institutions, payment processors, payment placard, and online merchant websites; Financial services, namely, providing on-line stored value accounts in an electronic environment; Financial transaction services, namely, providing secure commercial transactions and payment options; Credit card transaction processing services; Credit card transaction processing services provided via mobile device, merchant store-checkout, point-of-sale-terminal, self-checkout payment facilities, financial institutions, payment processors, payment placard, and online merchant websites; Debit card transaction processing services; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Gift card transaction processing services; Merchant services, namely, payment transaction processing services; Payment processing services, namely, credit card and debit card transaction processing services; Providing an internet website portal in the field of financial transaction and payment processing services; Providing cash and other rebates for credit card use as part of a customer loyalty program; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing vouchers for payment of transportation expenses Providing electronic transmission of credit card transaction data and electronic payment data via a global computer network
09 - Scientific and electric apparatus and instruments
Goods & Services
Computer software applications, downloadable, for use with contactless and two-dimensional barcode transactions with retailers, merchants, transit and vendors to process payments; Computer software platforms, downloadable, for transmitting, processing, facilitating, verifying, and authenticating credit, debit and electronic-cash information, using Tokeinzed transaction and payment information; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable mobile applications for managing electronic payment transactions for online marketplaces of goods authenticated by non-fungible tokens (NFTs); Downloadable computer application software for transmitting, processing, facilitating, verifying, and authenticating, namely, software for credit, debit and electronic-cash information, using Tokeinzed transaction and payment information; Downloadable computer software for managing electronic payment transactions for online marketplaces of goods authenticated by non-fungible tokens (NFTs); Downloadable computer software for managing electronic payment transactions using distributed ledger technology (DLT)
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable application programming interface (API) software for detecting and alerting of deceptive domain, address, email, security certificate, phone number, two-dimensional barcode, NFC tag, and other important access credentials; Downloadable computer application software for detecting and alerting of deceptive domain, address, email, security certificate, phone number, two-dimensional barcode, NFC tag, and other important access credentials, namely, software for assessting safety, prior to disclosing sensitive personal and financial details; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks Computer services, namely, on-line scanning, detecting, quarantining and eliminating of viruses, worms, trojans, spyware, adware, malware and unauthorized data and programs on computers and electronic devices
09 - Scientific and electric apparatus and instruments
Goods & Services
Downloadable computer application software for mobile phones, namely, software for selecting and creating tokenization payment information; Downloadable computer application software for selecting and creating tokenization payment information, namely, software for secure online payments; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment
09 - Scientific and electric apparatus and instruments
Goods & Services
Downloadable computer application software for mobile phones, namely, software for tokenization of payment card information; Downloadable computer software for accessing, reading, and tracking information in the field of tokenization of payment card information on a blockchain; Downloadable computer application software for smartphones, portable and handheld computers, payment terminals, payment reader devices, and computer peripherals, namely, software for tokenization of payment card information; Encoded smart cards containing programming used for person to person payments, electronic funds storage, transfer and payment transaction processing; Magnetic coded cards for payment transactions
36 - Financial, insurance and real estate services
Goods & Services
Financial services, namely, investment fund transfer and transaction services; Broker-dealer financial services in the field of person to person payments, electronic funds storage, transfer and payment transaction processing
09 - Scientific and electric apparatus and instruments
Goods & Services
Downloadable computer software and firmware for interacting with supported payment instruments; Downloadable computer software and firmware for storing, generating and confirming user identification, authorization and payment information; Encoded smart cards containing programming used for access authorization; Encoded smart cards containing programming used for conducting payment transactions; Encoded smart cards containing programming used for interacting with other payment instruments; Encoded smart cards containing programming used for transacting with payment card readers, and automated teller machines; Encoded smart cards containing programming used to connect with personal computing devices; Magnetically encoded credit cards; Magnetically encoded debit cards; Downloadable computer software for interacting with supported payment instruments
09 - Scientific and electric apparatus and instruments
Goods & Services
Computer hardware for connecting and interacting with a personal computing device, payment reader, and automated teller machine; Computer hardware for interacting with other payment instruments; Computer hardware for storing, generating and confirming: user identification, authorization, and payment information; Computer hardware for storing, generating and confirming: user identification, authorization via a touch sensor array; Downloadable computer software and firmware for storing, generating and confirming user identification, authorization, and payment information; Downloadable computer software and firmware for connecting and interacting with a personal computing device, payment reader, and automated teller machine; Encoded smart cards containing programming used for access authorization; Encoded smart cards containing programming used for conducting payment transactions; Encoded smart cards containing programming used for interacting with other payment instruments; Encoded smart cards containing programming used for transacting with payment card readers, and automated teller machines; Encoded smart cards containing programming used for connect with personal computing devices
18.
Multi-function electronic payment card and device system
Embodiments include multi-function electronic payment card and device systems capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow the device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of the device for the purpose of authorizing or controlling use of the device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore the device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G07F 7/08 - 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
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
19.
Method and apparatus to form a virtual power generation collective from a distributed network of local generation facilities
A method of accounting for electrical power contribution and consumption is presented. The method comprises receiving information, from a plurality of facilities, wherein the plurality of facilities is operable to generate and/or consume electricity, and wherein the data comprises information concerning electricity contributions to a power grid, and/or consumptions from the grid by the plurality of facilities. The method further comprises applying a robust system of cryptographic processes to said information concerning electricity contributions, and attest to the authenticity of the information, as well as to the correct attribution of the facility claimed. Finally, the method comprises tracking and accounting electricity contributions and/or consumptions from each of the plurality of facilities using decrypted and verified information in a manner that allows contributions to be independently verified through audits. The method can also comprise compensating each of the facilities based on the respective electricity contribution and/or consumption of each facility.
Embodiments include multi-function electronic payment card and device systems capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow the device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of the device for the purpose of authorizing or controlling use of the device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore the device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G07F 7/08 - 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
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
An embodiment includes a multi-function electronic device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow the device to emulate behavior of a credit card when used in electronic credit card readers. Additionally, methods are described to allow user control of the device for the purpose of authorizing or controlling use of the device in the application of credit, debit and cash transactions, including cryptocurrency and device-to-device transactions. Methods are also described for generating a limited-duration payment number when performing a transaction for the purpose of creating a limited-use payment number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore the device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G07F 7/08 - 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
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
An embodiment includes a multi-function electronic device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow the device to emulate behavior of a credit card when used in electronic credit card readers. Additionally, methods are described to allow user control of the device for the purpose of authorizing or controlling use of the device in the application of credit, debit and cash transactions, including cryptocurrency and device-to-device transactions. Methods are also described for generating a limited-duration payment number when performing a transaction for the purpose of creating a limited-use payment number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore the device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G07F 7/08 - 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
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
36 - Financial, insurance and real estate services
38 - Telecommunications services
Goods & Services
Credit card authorization services; Credit card payment processing services; Credit card transaction processing services; Credit card transaction processing services provided via near-field contactless; Credit card verification; Credit and cash card payment processing services; Cash replacement rendered by credit card; Charge card and credit card payment processing services; Electronic credit card transaction processing; Financial services, namely, administration of transactions involving funds drawn from securities, stocks, funds, equities, bonds, cash, or other types of financial investments in retirement plans using a credit or debit card over a global data network; Financial services, namely, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; Fraud reimbursement services in the field of credit card purchases; Issuance of credit cards; Issuing credit cards; Issuing of credit cards; Issuing prepaid credit cards; On-line banking services featuring electronic alerts that alert credit and debit card users when a single transaction exceeds a certain amount; Payment processing services in the field of contactless person-to-person payments, namely, processing of contactless credit and debit card payments; Payment processing services, namely, credit card and debit card transaction processing services; Processing of credit card payments; Processing of credit card payments via near field communication (NFC) technology-enabled devices; Processing of contactless credit and debit card payments; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments Payment processing services in the field of contactless person-to-person payments, namely, providing electronic transmission of contactless payment data via the Internet
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
Goods & Services
Magnetic coded cards for payment transactions; Blank smart cards; Blank electronic chip cards; Blank integrated circuit cards; Encoded smart cards containing programming used for payment transactions; Encoded smart cards containing programming used to conduct payments; Encoded smart cards embedded with transponders and containing programming used to conduct payments; Encoded electronic chip cards containing programming used to conduct payments; Encoded integrated circuit cards containing programming used to conduct payments; Magnetically encoded credit cards; Magnetically encoded debit cards Debit cards without magnetic coding; Cards not magnetically coded for use in business transactions; Charge cards without magnetic coding; Credit cards without magnetic coding
25.
Multi-function electronic payment card and device system
Embodiments include multi-function electronic payment card and device systems capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow the device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of the device for the purpose of authorizing or controlling use of the device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore the device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G07F 7/08 - 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
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
26.
Smart tokenizing payment card and device and transaction processing thereof, system and method
An embodiment includes a credit card device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow said device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of said device for the purpose of authorizing or controlling use of said device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore said device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G07F 7/08 - 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
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
An embodiment includes a multi-function electronic device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow the device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of the device for the purpose of authorizing or controlling use of the device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore the device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G07F 7/08 - 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
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
An embodiment includes a credit card device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow said device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of said device for the purpose of authorizing or controlling use of said device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore said device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G07F 7/08 - 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
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
32.
Multi-functional credit card type portable electronic device
An embodiment includes a credit card device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow said device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of said device for the purpose of authorizing or controlling use of said device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore said device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
33.
Multi-functional credit card type portable electronic device
An embodiment includes a credit card device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow said device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of said device for the purpose of authorizing or controlling use of said device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore said device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrierColumn-detection devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G07F 7/08 - 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
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
34.
Multi-functional credit card type portable electronic device
An embodiment includes a credit card device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow said device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of said device for the purpose of authorizing or controlling use of said device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore said device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrierColumn-detection devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G07F 7/08 - 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
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
35.
Multi-functional credit card type portable electronic device
An embodiment includes a credit card device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow said device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of said device for the purpose of authorizing or controlling use of said device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore said device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrierColumn-detection devices
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 7/08 - 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
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
36.
Multi-functional credit card type portable electronic device
An embodiment includes a credit card device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow said device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of said device for the purpose of authorizing or controlling use of said device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore said device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrierColumn-detection devices
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 7/08 - 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
