The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those to purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

Customer activated multi-value (CAM) card

A system and method for integrating the Internet front end-sign on processes of the various systems of a financial institution which allows a customer to view and access its various financial accounts with the institution. During the initial sign up for the online access. to its accounts, a customer creates his/her User ID and password online during the same session. Once the customer has signed on (password) and verified ownership of at least one account, the system displays all of the customer's accounts that are available for access via the Internet website. The online ownership verification uses only a single account of the customer and the ownership verification criteria associated with the account. The account used for verifying a customer is first determined based on the accounts selected by the customer for accessing online. From the selected accounts, the system of the present invention creates a verification hierarchy with respect to the accounts. When determining the verification to use for the single ownership verification, the present invention selects the account from the hierarchy with the most stringent requirements.

System and method for single sign on process for websites with multiple applications and services

A system and method for funding a collective account via aggregating usage of electronic tags is disclosed. The system and method promotes the use of electronic tags, and the funding of collective accounts that may be associated with charitable or other philanthropic causes. Further benefits may be realized by replenishing the prefunded account that serves as the source of funds for the electronic tag to an affinity account that also benefits the charitable or other philanthropic cause.

System and method for funding a collective account by use of an electronic tag

An embodiment of the present invention is directed to devices with multiple chips for facilitating small purchase transactions through a stored value account while also permitting other transactions through a network as directed by the user. According to an embodiment of the present invention, a method and system for performing at least one transaction may involve identifying a token used to perform a transaction wherein the token is read at a reader associated with a service provider, the token comprising at least two chips, a first chip associated with a first protocol accessing a local system and a second chip associated with a second protocol accessing a central controller via a network; identifying an appropriate protocol for the transaction; routing the transaction to the appropriate protocol; identifying at least one account for funding the transaction; authenticating the transaction; and funding the transaction through the at least one account.

Method and system for performing purchase and other transactions using tokens with multiple chips

A method for rendering software resistant to reverse engineering. Replace at least one first constant (mathematical expression, etc.) in a computational expression with a second mixed mathematical and bitwise-Boolean expression, the first constant being simpler than the second expression and the second expression being based on the value or the variables found in the first constant (or expression). Evaluation of the second mixed mathematical and bitwise-Boolean expression produces a value preserving the value of the first constant, either: with the original value of the first constant or the original value of the result of the first expression, in which case the second mixed mathematical and bitwise-Boolean expression is obtained from the first constant by converting the first constant by mathematical identities; or, in an encoded form, as a new value, which can be converted back to the original value of the first constant by applying an information-preserving decoding function, in which case the second mixed mathematical and bitwise-Boolean expression is obtained from the first constant by modifying the first constant by a combination of conversion according to mathematical identities and transformation according to an information preserving encoding function.

System and method of interlocking to protect software-mediated program and device behaviours

Systems and methods are disclosed, especially designed for very compact hardware implementations, to generate random number strings with a high level of entropy at maximum speed. For immediate deployment of software implementations, certain permutations have been introduced to maintain the same level of unpredictability which is more amenable to hi-level software programming, with a small time loss on hardware execution; typically when hardware devices communicate with software implementations. Particular attention has been paid to maintain maximum correlation immunity, and to maximize non-linearity of the output sequence. Good stream ciphers are based on random generators which have a large number of secured internal binary variables, which lead to the page synchronized stream ciphering. The method for parsed page synchronization which is presented is especially valuable for Internet applications, where occasionally frame sequences are often mixed. The large number of internal variables with fast diffusion of individual bits wherein the masked message is fed back into the machine variables is potentially ideal for message authentication procedures.

Mark Fiterman

Papers

Accelerated throughput synchronized word stream cipher, message authenticator and zero-knowledge output random number generator