Orbis Patents Limited

Viserge Limited

Orbit Patents Limited

Obis Patents Ltd.

Graham O'Donnell

Daniel Ian Flitcroft

James Thomas Carroll

Conor Langford

Adrian Kearney

Morgan Sheehy

Controlled Payment Numbers (CPNs) which issue as a unique payment number for each transaction uniquely identify the transaction for matching the purchase and payment information. The issuance of the CPN is controlled by business rules which are designed to and effectively restrict the use of the CPN, such that if a user exceeds his authorization, a CPN is not issued. The business rules are set up according to a hierarchy of users. Further, a declining balance CPN is also provided.

Business-to-business commerce using financial transaction numbers

A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to 'card remote' transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for 'card present' transactions, so called &#x201c;skimming&#x201d; fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.

Credit card system and method

A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to 'card remote' transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for 'card present' transactions, so called &#x201c;skimming&#x201d; fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.

The delivery of a secure method and system of generating person to person, business to business, business to person and person to business transactions involving transfer of funds from one party (the purchaser) to a second party (the vendor). The functionality of existing credit/debit cards and the associated infrastructure is extended to provide a secure global mechanism for individuals/businesses to receive funds without revealing confidential information or having to become credit/debit accepting merchants.

Person-to-person, person-to business and business-to-business financial transaction system

A credit card system is provided which has the added feature of providing additional limited-use credit card numbers and/or cards. These numbers and/or cards can be used for a single transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to 'card remote' transactions such as by phone or Internet. Additionally, when a single use credit card is used for 'card present' transactions, so called &#x201c;skimming&#x201d; fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques.

A construction of RTU assembly having a number of independently operational cells for systems functions is provided. Each cell is formed from a configurable component and effectively could be of the same construction as a conventional RTU that would be used for a particular function. There is inter-cell communication for the continuous downloading of information between cells. Ideally the information is controlled in such a way that each cell is aware of all the information that is being transferred, but only receives that information that it requires. In this way all the functions can be performed and the cells operate as equal peers and no one cell has priority over the other cells, such that the failure of one cell will cause the failure of all the others. There can be duplication of function in the cells and various 'redundancy' of power, and I/O ports is built into the system.

Remote terminal unit assembly

Data structure, method and system for generating person-to-person, person-to-business, business-to-person, and business-to-business financial transactions

A credit card system is provided which has the added feature of providing additional limited-use credit card numbers and/or cards. These numbers and/or cards can be used for a single transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to &ldquo;card remote&rdquo; transactions such as by phone or Internet. Additionally, when a single use credit card is used for &ldquo;card present&rdquo; transactions, so called &ldquo;skimming&rdquo; fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques.

Growing community of inventors

Sandycove, Ireland

Graham O'Donnell