1305 results about "Expiration date" patented technology

A method for securing financial transactions involving payment cards includes associating a sixteen-digit personal account number (PAN) with a particular payment card and user, wherein are included fields for a system number, a bank / product number, a user account number, and a check digit. A four-digit expiration date (MMYY) associated with the PAN. A magnetic stripe on the payment card is encoded with the PAN for periodic reading by a magnetic card reader during a financial transaction. A table of cryptographic values associated with the PAN and the MMYY is stored on each user's payment card during personalization by an issuing bank. A next financial transaction being commenced with the payment card is sensed. A cryptographic value from the table of cryptographic values is selected for inclusion as a dynamic portion of the user account number with the PAN when a next financial transaction is sensed. Any cryptographic value from the table of cryptographic values will not be used again in another financial transaction after being used once. The issuing bank authorizes the next financial transaction only if the PAN includes a correct cryptographic value in the user account number field.

A payment card fraud detection business model comprises an internal virtual account number generator and a user display for Card-Not-Present transactions. Card-Present transactions with merchant card readers are enabled by a magnetic array internally associated with the card's magnetic stripe. The internal virtual account number generator is able to reprogram some of the magnetic bits encoded in the magnetic stripe to reflect the latest virtual account number. The internal virtual account number generator produces a sequence of virtual numbers that can be predicted and approved by the issuing bank. Once a number is used, such is discarded and put on an exclusion list or reserved for a specific merchant until the expiration date. A server for the issuing bank logs the merchant locations associated with each use or attempted use, and provides real-time detection of fraudulent attempts to use a virtual account number on the exclusion list. Law enforcement efforts can then be directed in a timely and useful way not only where the fraud occurs but also at its origination.

A computer-implemented method for updating merchant information regarding card-not-present recurring payment (CNP / RP) transactions is provided, wherein the method involves a recurring transaction initiated by a cardholder using payment card information stored by a merchant. The method includes querying a database coupled to a payment network to identify a candidate payment card having stale payment card data. The stale payment card data includes at least an existing expiration date that is within a predetermined period of time of a selected calendar date. The method also includes querying the database to identify at least one recent transaction involving the candidate payment card. The recent transaction includes payment card data having an updated expiration date. The method further includes notifying the merchant that the existing expiration date has been replaced with the updated expiration date.

A system and method for providing a multiple-service card is disclosed. A card member 108 is provided with a single card that serves as both an open transaction instrument and a private retailer transaction instrument. This multiple-service card may have the traditional credit card data on one side of the card, including, for example, the account number, name of the account holder, and the expiration date. The other side of the card may include a magnetic stripe that contains the account information in machine readable form as well as private retailer transaction instrument information. In the system, the primary party and the service partner participants cooperate to complete the processes associated with the provision of the combined card services, including a new account process, card replacement and renewal processes, a service partner cancellation process, and a process for cancellation and / or transfer by a primary party.

A system and method for managing a plurality of stock option accounts each for a plurality of participants. The system invokes a particular option plan defined in the system that governs the transaction choices available to each participant. The governing option plans are defined by the sponsoring company in terms of grant, vest and expiration date for the option contracts, and are defined in the system via a database of option holding information for each participant and an axiomatic rule system defining the criteria under which a given participant can exercise given options under the particular plan. The system implements the plans for multiple client companies providing several distinct modes for option exercise by the participant. The system preferably also allows for disbursement of proceeds in a currency different than that in which the underlying security for the option is traded, real time execution of the option transaction, and / or simulating the outcomes of different manners in which the participant may exercise vested options and the resulting economic outcome (disbursement, taxes, transaction fees).

The invention provides methods for enterprise business visibility that transform any of marketing, e-commerce and transactional from a plurality of legacy and other databases into resource description framework (RDF) syntax. This information can be time-stamped (e.g., with expiration dates) and stored in a central data store. Answers to queries are discerned by applying genetic algorithm-based search techniques to the holographic store, with the confidence levels of those answers is based in part, for example, on the time-stamps of the triples.

Content data encrypted with a content key, the content key encrypted with an individual key specific to an information sending device, and the individual key encrypted with a distribution key that is updated in a predetermined cycle, and supplied are sent to an information receiving device, and the information receiving device decrypts the individual key with the distribution key, decrypts the content key with the individual key, and decrypts the content data with the content key. Thus, the information sending device does not have the distribution key, and accordingly piracy of content data can be prevented with a simple configuration. Also, the information receiving device sends the content key and a playback command to other apparatuses. Thus, other apparatuses can play back contents using the playback command and the content key. Furthermore, the information sending device decrypts the content key with the distribution key before being updated, and stores the same. Thus, contents purchased by an advance order can be actually purchased regardless of expiration dates of the distribution key. Furthermore, usage right is passed from a first information receiving device to a second information receiving device different in registration information at the tome of using contents. Thus, contents can be used among information receiving devices different from each other in registration information.

A secure instant messaging system integrates secure text instant messaging and secure file transfers into existing instant messaging systems. At least one certificate authority (CA) is provided that issues a security certificate to a user that binds the user's instant messaging screen name to a public key which is used by other users to encrypt messages and files sent to the user and by the user to decrypt the received messages and files. A subscriber database is used by the CA to keep track of valid users and their associated information, such as: user screen names, user subscription expiration dates, and enrollment agent information. A user sends his certificate to the invention's instant messaging server which publishes the user's certificate to other users by creating a hash value of the user's certificate and sending it to the other users which allows the recipients to decide if they need to update their caches with a new copy of the user's certificate. Instant messages and files are encrypted by a sending user using an encryption algorithm and the recipient's certificate. The sending user can sign instant messages using his private signing key. The security status of each received instant message is displayed to the user.

Embodiments of the present invention overcome the problems in the existing art described above by providing a secure digital content licensing system and method. Rental of the digital content occurs within an online environment including one or more user network-enabled devices and one or more server network devices connected by a communications link to the one or more user network-enabled devices. A user selects content displayed on a main website and requests download of the selected content to the user network-enabled device. To be able to access the content the user must obtain a license. The user's request for a license for specific content comprises information about a desired rental model, an expiration date for the rental model, and information that identifies the user's user network-enabled device, along with other information. A license for the content is generated which comprises the above information and also includes an encryption key for the selected movie. Media player and security technology residing on the user network-enabled device provides protection against unauthorized access to the content by ensuring that only licensed content is viewed and is accessed according to the rental model contained in the license. Media player and security technology also provides security against tampering by performing integrity checks on its various components and other components within the user network-enabled device. Revocation of access rights is made possible by revocation certificates that inhibit accessing of particular content for various reasons including compromised files or components.

Content data encrypted with a content key, the content key encrypted with an individual key specific to an information sending device, and the individual key encrypted with a distribution key that is updated in a predetermined cycle, and supplied are sent to an information receiving device, and the information receiving device decrypts the individual key with the distribution key, decrypts the content key with the individual key, and decrypts the content data with the content key. Thus, the information sending device does not have the distribution key, and accordingly piracy of content data can be prevented with a simple configuration. Also, the information receiving device sends the content key and a playback command to other apparatuses. Thus, other apparatuses can play back contents using the playback command and the content key. Furthermore, the information sending device decrypts the content key with the distribution key before being updated, and stores the same. Thus, contents purchased by an advance order can be actually purchased regardless of expiration dates of the distribution key. Furthermore, usage right is passed from a first information receiving device to a second information receiving device different in registration information at the tome of using contents. Thus, contents can be used among information receiving devices different from each other in registration information.

A system and method for providing a multiple-service card is disclosed. A card member 108 is provided with a single card that serves as both an open transaction instrument and a private retailer transaction instrument. This multiple-service card may have the traditional credit card data on one side of the card, including, for example, the account number, name of the account holder, and the expiration date. The other side of the card may include a magnetic stripe that contains the account information in machine readable form as well as private retailer transaction instrument information. In the system, the primary party and the service partner participants cooperate to complete the processes associated with the provision of the combined card services, including a new account process, card replacement and renewal processes, a service partner cancellation process, and a process for cancellation and / or transfer by a primary party.