Owner First Data Corporation

Inventors Wheeler, Anne M.; Wheeler, Lynn Henry

Agent FB Rice

Pub. Number AU-B-2001287164

PCT Pub. Number WO02/13435

Priority 60223076 04.08.00 US

Filing date 6 August 2001

Wipo publication date 18 February 2002

Acceptance publication date 26 June 2008

G06F 12/14 (2006.01) Accessing, addressing or allocating within memory systems or architectures - Protection against unauthorised use of memory

G06F 19/00 (2006.01) Digital computing or data processing equipment or methods, specially adapted for specific applications

G06F 21/20 (2006.01) Security arrangements for protecting computers or computer systems against unauthorised activity

G06F 21/24 (2006.01) Security arrangements for protecting computers or computer systems against unauthorised activity

G06Q 10/00 (2006.01) Administration, e.g. office automation or reservations

G06Q 20/00 (2006.01) Payment schemes, architectures or protocols

G06Q 30/00 (2006.01) Commerce, e.g. marketing, shopping, billing, auctions or e-commerce

G06Q 40/00 (2006.01) Finance, e.g. banking, investment or tax processing

G06Q 50/00 (2006.01) Systems or methods specially adapted for a specific business sector, e.g. health care, utilities, tourism or legal services

G07F 7/10 (2006.01) Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus - together with a coded signal

G09C 1/00 (2006.01) Apparatus or methods whereby a given sequence of signs, e.g. an intelligible text, is transformed into an unintelligible sequence of signs by transposing the signs or groups of signs or by replacing them by others according to a predetermined system

H04L 9/10 (2006.01) Arrangements for secret or secure communication - with particular housing, physical features or manual controls

H04L 9/32 (2006.01) Arrangements for secret or secure communication - including means for verifying the identity or authority of a user of the system

H04L 29/06 (2006.01) Arrangements, apparatus, circuits or systems, not covered by a single one of groups - characterised by a protocol