1
Joseph A Schrader, Patanjali Bhatt, Charles A Altekruse: Personal online banking with integrated online statement and checkbook user interface. Intuit, Fenwick & West, May 11, 1999: US05903881 (564 worldwide citation)

A software product, computer implemented method, and system provide an integrated user interface having three simultaneously displayed items of information, including a list of transaction instructions, a list of uncleared transactions, and a list of cleared transactions. The simultaneous display, a ...


2
Randal Glass, Marcos Salganicoff, Ulf Cahn von Seelen: Method and apparatus for securely transmitting and authenticating biometric data over a network. Sensar, Woodcock Washburn, December 18, 2001: US06332193 (266 worldwide citation)

A method and apparatus for collecting and securely transmitting biometric data over a network contains a sensor, preferably a camera, for collecting biometric data and code generating hardware and software. The camera data is digitized and a unique code which is a function of the digitized camera da ...


3
Henry Crichlow: Method and apparatus for reading a meter and providing customer service via the internet. Michael I Kroll, May 31, 2005: US06900738 (77 worldwide citation)

A method and system for monitoring usage of a utility at a remote location by a central station and incorporates a real time method for optimizing energy costs operationally by combining optimization algorithms and real time pricing data to lower costs to the energy user. The system includes a meter ...


4
Scott Grimes: System and methods for delivering targeted marketing offers to consumers via an online portal. Cardlytics, Morris Manning & Martin, John R Harris, August 20, 2013: US08515810 (16 worldwide citation)

A system and methods for delivering targeted marketing offers to consumers during a session with an online (web-based) Internet portal, particularly suitable for online banking portals of financial institutions. An offer management system receives information corresponding to an advertising campaign ...


5
Siourthas Constantine, Matzen Bjarne Staugaard: An authentication system and process. Fmt Worldwide, April 1, 2009: EP2041913-A1 (14 worldwide citation)

An authentication system including: (i) a user device, such as a mobile phone or media player, for storing random identification data for a user of the user device, and for processing entered token data to generate response data on the basis of the identification data; (ii) a client device, such as ...


6
Ori Eisen: Systems and methods of sharing information through a tag-based consortium. THE 41ST PARAMETER, Wilson Sonsini Goodrich & Rosati, August 18, 2015: US09112850 (13 worldwide citation)

The invention provides one or more consortia of networks that identify and share information about users and/or user devices. User devices may be identified by tag-based computer information. A time stamp may be inserted into time based computer tags such as a cookies indicating when they were creat ...


7
Boesgaard, Sørensen Hans Martin: Fabrication of computer executable program files from source code. Boesgaard, Sørensen Hans Martin, INSPICOS, March 27, 2008: WO/2008/034900 (8 worldwide citation)

A method for protecting a computer program against manipulation and for shielding its communication with other programs against eavesdropping and modification is presented. The method comprises the creation of individualized program copies to different groups of users, the insertion of or the deriva ...


8
Allan Camaisa, Jonas Samuelsson: System and method for blocking unauthorized network log in using stolen password. Anakam, Kilpatrick Townsend & Stockton, December 13, 2011: US08079070 (6 worldwide citation)

When a user successfully logs in to an information server such as an online banking server, an e-commerce server, or a VPN server, for greater security communication is transferred transparently to the user to an authentication server for additional authentication. The additional authentication can ...


9
Kia Silverbrook, Paul Lapstun, Jacqueline Anne Lapstun: Method and system for banking. Silverbrook Research, July 29, 2008: US07406445 (6 worldwide citation)

Methods and systems are disclosed which relate to online banking via interface surfaces printed with information and coded data. The coded data, encoded visibly or invisibly, may be queried by an appropriate sensing device. The sensing device communicates with a computer system. Together, the interf ...


10
Kennard L Wottowa, Michael Henry, William E Storts: Account and customer creation in an on-line banking model. Accenture, Finnegan Henderson Farabow Garrett & Dunner, October 12, 2010: US07813983 (6 worldwide citation)

A system, method and article of manufacture are provided for account and customer creation in an online banking model. An application is received from a customer. The application includes information relating to the user and also documentation relating to the user. A first computer is utilized to cr ...



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