11
Jeffrey David Mullen: Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card. Dynamics, April 26, 2011: US07931195 (74 worldwide citation)

A dynamic credit card is provided in which a secure credit card number (e.g., a secret/hidden credit card number) is encoded based on a timing signal (e.g., an internal counter) to provide a dynamic credit card number. This dynamic number may be displayed to a user via a display (e.g., so that onlin ...


12
Vikram Bhambri, Deirdre L Walsh, Paul C Sausville, Raj Biyani, Thomas L Button, Sean Nolan, Susan Warren, Matthew D Hempey: Payment information security for multi-merchant purchasing environment for downloadable products. Microsoft Corporation, June 16, 2009: US07548889 (51 worldwide citation)

A multi-merchant purchasing system is configured to identify downloadable products selected by a user for purchase. The identified downloadable products are offered by multiple merchants. The multi-merchant purchasing system enables the user to purchase all of the downloadable products in a single t ...


13
Joseph DiMattina: System for securing commercial transactions conducted on-line. Levisohn Lerner Berger & Langsam, June 11, 2002: US06405177 (29 worldwide citation)

The invention is an on-line business method which will enable on-line retailers to offer the following on-line financial guarantee services to their customers: the financial guarantee of a secure credit card transaction; the financial guarantee of a genuine product at the advertised purchase price; ...


14
Michael B Hinkle: Secure credit card. W Thomas Timmons & Kelly Timmons, April 7, 1998: US05735550 (23 worldwide citation)

A secure transaction card (C) accepted for transactions by a customer has usable customer identifying information (I). The card (C) has a card body (16) with an upper surface (18). The upper surface (18) has an indicator area (20) indicating that the secure transaction card (C) should not be accepte ...


15
Edward E Kelley, Franco Motika: Secure credit card employing pseudo-random bit sequences for authentication. International Business Machines Corporation, Whitham Curtis & Christofferson P C, Jay H Anderson, April 26, 2005: US06883717 (23 worldwide citation)

A secure credit card has a pair of linear feedback shift registers (LFSRs) for generating a pair of random numbers. The LFSRs each have a unique initial state and feedback tap configuration. Hence, they each produce a unique sequence of numbers. When a financial transaction occurs, the LFSRs are ope ...


16
Steven H McCown, James P Hughes, Michael L Leonhardt, Charles A Milligan: Method and system for secure credit card transactions. Storage Technology Corporation, Yee & Associates P C, April 4, 2006: US07024395 (22 worldwide citation)

A customer making a credit card transaction inserts their smart card into a card reader attached to the merchant's system. The card reader activates the customer's card and passes certain merchant information. The merchant's system then requests a “billing digest” from the customer's card. The billi ...


17
John D Agostino: System and method for performing secure credit card purchases. Maxey Law Offices PLLC, Stephen Lewellyn, November 23, 2010: US07840486 (20 worldwide citation)

A method and system of performing secure credit card purchases in the context of a remote commercial transaction, such as over the telephone, wherein only the customer, once generally deciding upon a product or service to be purchased, communicates with a custodial authorizing entity, such as a cred ...


18
Kirk R Hyde: Secure credit card and method of manufacturing same. Kirkplastic Company Incorporated, Fulwider Patton Rieber Lee & Utecht, March 4, 1986: US04573711 (18 worldwide citation)

There is disclosed a method of manufacturing a credit card including the fabrication of a plurality of plastic credit cards, as in sheet form, and then severing such cards into individual personal cards with coded information thereon for identifying the person or account to which the cards relate. P ...


19
Kelley Edward, Motika Franco: Secure credit card with near field communications (nfc). International Business Machines Corporation, IBM United Kingdom, Kelley Edward, Motika Franco, SEKAR Anita, September 28, 2006: WO/2006/100171 (14 worldwide citation)

A near field communication (NFC) device included in a secure transaction card provides an addition and/or transitional communication link for communicating secure transaction information. The near field communication device may be selectively engaged or disengaged and, when engaged, either active or ...


20
Hichens Simon: Secure credit card transactions over the internet. Interactive Magazines, June 30, 1999: GB2332833-A (11 worldwide citation)

A first party C wishing to make a purchase over the Internet splits a message containing confidential information such as credit card number, name etc into two parts. A first part is sent to the seller or second party B, and the other part is sent directly to a trusted third party A such as a credit ...