4361423 Canada Inc.

Grayhill, Inc.

Verrency Holdings Limited

Kenneth G Mages

Chi Wah Lo

Tai Kwan Jimmy Tang

Kevin Dooley

Robert Kerner

Torsten F Chase

Cheng-Yu Hsu

Patrick Charles Leighton

Andrew Wood Polk, Iv

Robert Piotr Obrochta

Matt Huner

Tai Kwan Tang

Kent H Mages

Miller Thomas Abel

Jan Drake

Daniel Jay MacDonald

Geoffrey Ian Cairns

Michael Kron

Alan J Morgan

Paul Murray

Alex Benjamin Engelberg

Scott Charles Baisch

An encoder may be configured to receive a first input from a user. The encoder may include a first user input area. A configurator may be configured to communicate with the encoder and the encoder may be configured to communicate with a CPU. The encoder may receive the first input from the user at the first user input area based on an encoder configuration defined by the configurator. The encoder may communicate the first input to the CPU based on the encoder configuration defined by the configurator. A panel may be configured to receive a first input from a user. The panel may include a plurality of input areas. A portable computing device may comprise a configurator. The portable computing device may be configured to communicate with a CPU.

Touch encoder, touch panel, and input method editor with integrated development environment and methods thereof

Payment cards and also the systems and methods for securely managing financial transactions using the payment cards are provided. In one implementation, a payment card includes a first component incorporated into a plastic substrate, wherein the first component is configured to provide details of a first substitute account associated with a cardholder's valid credentials. The payment card also includes at least one additional component incorporated into the plastic substrate. Each of the additional components is configured to provide details of at least one additional substitute account associated with the cardholder's valid credentials. Each substitute account includes details that are distinct from the details of each of the other substitute accounts. Also, at least one of the substitute accounts is provided to a merchant for conducting a financial transaction with the merchant.

Payment devices having multiple modes of conducting financial transactions

An apparatus for effecting a commercial transaction with a remote transaction server using a payment device via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information stored on said payment device and a controller for converting the captured information into encrypted information and for transmitting the encrypted information to the communication device. The communication device delivers the encrypted information to the remote transaction server for processing the commercial transaction.

Apparatus and method for commercial transactions using a communication device

Payment devices and the systems and methods for securely managing financial transactions using the payment devices are provided. In one implementation, a portable proxy device comprises a memory configured to store a plurality of credentials. Each of the plurality of credentials pertains to one of a financial credential, an identification credential, or contractual credential. The portable proxy device also includes at least one interface, wherein each of the at least one interface is configured to communicate one of the plurality of credentials to an external device to complete one of a financial function, identification function, or contractual function.

Proxy device for representing multiple credentials

An apparatus for effecting commercial transactions with a server using a transaction card via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information from the transaction card and a controller for converting the captured card information into an encrypted audio signal and for transmitting the audio signal to the communication device. The communication device delivers the audio signal to the server for processing the commercial transaction.

A system and method are disclosed for conducting secure electronic transactions using dual-authentications. A secure server stores security information for a plurality of users and authorizes transactions being conducted by these users. A user computer system having a trusted platform module is used for storing security information relating to at least one user account. Protected environments are created to facilitate secure connections based on at least the security information stored in the trusted platform module. Transactions between the user/electronic merchants and between the user/secure server are conducted within protected environments. When a user conducts an electronic transaction with an electronic merchant, the transaction is authenticated by the secure server before can be completed.

Apparatus and method for conducting securing financial transactions

Growing community of inventors

Chicago, IL, United States of America

Kenneth G Mages