公开(公告)号：US20090164380A1

公开(公告)日：2009-06-25

申请号：US12391425

申请日：2009-02-24

申请人： Kerry D. Brown

发明人： Kerry D. Brown

IPC分类号： H04L9/00 ,  G06Q40/00

CPC分类号： G07F7/08 ,  G06Q20/341 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/385 ,  G06Q20/4093 ,  G06Q40/00 ,  G07F7/1008 ,  G07F7/12 ,  G07F7/122

摘要： The manufacture and control of payment cards used in consumer financial transactions circulates a population of payments cards with user identification and account access codes. Each use of an individual card produces a variation of its user access code according to an encryption program seeded with encryption keys or initialization vectors. A portion of the magnetic stripe is made dynamic with a Q-Chip magnetic MEMS device. The job of personalizing payment cards with the user identification and account access codes is outsourced to a personalization company. The encryption keys and initialization vectors are kept private from the personalization company by using the encryption program to generate tables of computed results. Respective ones of the tables of computed results are sent for loading by the personalization company into new members of the population of payments cards. New payment cards are manufactured and distributed that include and operate with the tables of computed results.

摘要翻译： 消费者财务交易中使用的支付卡的制造和控制通过用户识别和帐户访问代码来流通支付卡。 每个使用单个卡根据加密密钥或初始化向量播种的加密程序产生其用户访问代码的变化。 使用Q-Chip磁性MEMS器件使磁条的一部分变得动态。 个性化带有用户识别码和帐户访问码的支付卡的工作外包给个性化公司。 通过使用加密程序生成计算结果表，加密密钥和初始化向量保持私人化。 计算结果表中的相应表格由个性化公司发送到新的付款卡中的成员。 制造和分发新的支付卡，包括并运行计算结果表。

公开(公告)号：US20080312998A1

公开(公告)日：2008-12-18

申请号：US12198575

申请日：2008-08-26

申请人： James E. Templeton ,  Sanjay Bhargava

发明人： James E. Templeton ,  Sanjay Bhargava

IPC分类号： G06Q40/00 ,  G06Q10/00

CPC分类号： G06Q20/4016 ,  G06Q10/0635 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/12 ,  G06Q20/341 ,  G06Q20/382 ,  G06Q20/389 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q20/4093 ,  G06Q30/0201 ,  G06Q30/0609 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/12 ,  G07F7/1008

摘要： A system and method for verifying a financial instrument or a user's authorization to use a financial instrument. The system initiates one or more verifying transactions involving the instrument, with details that may vary from one transaction to another, such as the type of transaction (e.g., deposit, credit, debit), amount of the transaction, number of transactions, the merchant or vendor name or account for the transaction, and so on. Selected details, particularly variable ones are saved in the system. The user accesses information regarding the transaction, by accessing it on-line, via telephone, in a monthly statement, etc. The user then submits the requested details to the system, which compares them to the stored details. If they correspond, then the user may be allowed to use the instrument (e.g., for a purchase, a fund transfer).

摘要翻译： 用于验证金融工具或用户授权使用金融工具的系统和方法。 系统启动涉及该工具的一个或多个验证交易，其细节可以从一个交易到另一个交易变化，例如交易的类型（例如，存款，信用，借记），交易金额，交易数量，商家 或交易的供应商名称或帐户，等等。 所选的细节，特别是可变的细节被保存在系统中。 用户通过在线访问，通过电话，月度报表等访问关于交易的信息。然后，用户将所请求的细节提交给系统，将其与存储的细节进行比较。 如果它们对应，则可以允许用户使用该仪器（例如，用于购买，资金转账）。

公开(公告)号：US07430537B2

公开(公告)日：2008-09-30

申请号：US09901954

申请日：2001-07-10

申请人： James E. Templeton ,  Sanjay Bhargava

发明人： James E. Templeton ,  Sanjay Bhargava

IPC分类号： G06Q40/00

CPC分类号： G06Q20/4016 ,  G06Q10/0635 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/12 ,  G06Q20/341 ,  G06Q20/382 ,  G06Q20/389 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q20/4093 ,  G06Q30/0201 ,  G06Q30/0609 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/12 ,  G07F7/1008

摘要： A system and method for verifying a financial instrument or a user's authorization to use a financial instrument. The system initiates one or more verifying transactions involving the instrument, with details that may vary from one transaction to another, such as the type of transaction (e.g., deposit, credit, debit), amount of the transaction, number of transactions, the merchant or vendor name or account for the transaction, and so on. Selected details, particularly variable ones are saved in the system. The user accesses information regarding the transaction, by accessing it on-line, via telephone, in a monthly statement, etc. The user then submits the requested details to the system, which compares them to the stored details. If they correspond, then the user may be allowed to use the instrument (e.g., for a purchase, a fund transfer).

摘要翻译： 用于验证金融工具或用户授权使用金融工具的系统和方法。 系统启动涉及该工具的一个或多个验证交易，其细节可以从一个交易到另一个交易变化，例如交易的类型（例如，存款，信用，借记），交易金额，交易数量，商家 或交易的供应商名称或帐户，等等。 所选的细节，特别是可变的细节被保存在系统中。 用户通过在线访问，通过电话，月度报表等访问关于交易的信息。然后，用户将所请求的细节提交给系统，将其与存储的细节进行比较。 如果它们对应，则可以允许用户使用该仪器（例如，用于购买，资金转账）。

公开(公告)号：US20060129849A1

公开(公告)日：2006-06-15

申请号：US10536493

申请日：2003-11-21

申请人： Renan Abgrall ,  Bernard Geffrotin

发明人： Renan Abgrall ,  Bernard Geffrotin

IPC分类号： G06F1/26

CPC分类号： G07F7/1008 ,  G04F1/005 ,  G04F10/00 ,  G06K19/073 ,  G06Q20/341 ,  G06Q20/4093 ,  G07C1/10 ,  G07F7/084

摘要： The invention concerns a secure electronic entity (11), adapted to store at least one object, comprising a unit (18) for measuring the passage of time as from a reference date (Dref) associated with said object. It comprises a unit (19) for storing a life span (V) assigned to said object co-operating with the time measuring unit (18) so as to compare the time elapsed and the life span (V). It further comprises an updating and invalidating unit (21), to update the object life span or to temporarily or permanently disable the object if the comparison shows that the time elapsed exceeds the life span (V). The invention is in particular applicable to smart cards.

摘要翻译： 本发明涉及一种适于存储至少一个物体的安全电子实体（11），包括用于测量从与所述对象相关联的参考日期（Dref）起的时间的流逝的单元（18）。 它包括一个单元（19），用于存储与时间测量单元（18）协作的分配给所述对象的寿命（V），以比较经过的时间和寿命（V）。 还包括更新和无效单元（21），用于更新对象寿命或者如果比较显示经过的时间超过寿命（V），则暂时或永久禁用对象。 本发明特别适用于智能卡。

公开(公告)号：US07051923B2

公开(公告)日：2006-05-30

申请号：US10661380

申请日：2003-09-12

申请人： Loc Nguyen ,  Bryan Shimko ,  Liane Redford ,  James G. Gordon ,  Kim Madore ,  Marc Black ,  James Mazour ,  Michael Salters ,  Glenda Berg

发明人： Loc Nguyen ,  Bryan Shimko ,  Liane Redford ,  James G. Gordon ,  Kim Madore ,  Marc Black ,  James Mazour ,  Michael Salters ,  Glenda Berg

IPC分类号： G06F17/00

CPC分类号： G07F7/1008 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q20/4093 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0226 ,  G07F7/08 ,  G07F7/12 ,  G07F7/122

摘要： A system for facilitating image management for portable devices includes a host configured to maintain information relating to a first portable device, and a second portable device and an interface device configured to communicate with the host and the first and second portable devices. The interface device includes control logic configured to: determine whether the first portable device is valid for image synchronization using information provided by the host; and if it is determined that the first portable device is valid for image synchronization, record an image of the first portable device, determine whether the second portable device is valid for image synchronization, and download an image of the first portable device to the second portable device if it is determined that the second portable device is valid for image synchronization. The interface device further includes control logic configured to: determine whether the second portable device is valid for image replacement using information provided by the host, and if it is determined that the second portable device is valid for image replacement, retrieve an image of the first portable device and download the retrieved image to the second portable device. The interface device also includes control logic configured to: determine whether the second portable device includes additional information that is not included in the image of the first portable device, and if it is determined that the second portable device includes the additional information, concatenate the additional information with the image of the first portable device, and download the concatenated additional information and image of the first portable device onto the second portable device. The interface device concatenates the additional information and the image of the first portable device based on a set of conflict resolution rules.

摘要翻译： 便于便携式设备的图像管理的系统包括被配置为维护与第一便携式设备相关的信息的主机以及被配置为与主机和第一和第二便携式设备进行通信的第二便携式设备和接口设备。 接口装置包括控制逻辑，其被配置为：使用由主机提供的信息确定第一便携式设备是否对图像同步有效; 并且如果确定第一便携式设备对于图像同步有效，则记录第一便携式设备的图像，确定第二便携式设备是否对图像同步有效，并将第一便携式设备的图像下载到第二便携式设备 如果确定第二便携式设备对于图像同步有效，则设备。 接口装置还包括控制逻辑，其被配置为：使用由主机提供的信息来确定第二便携式设备是否对图像替换有效，并且如果确定第二便携式设备对于图像替换有效，则检索第一 并将检索到的图像下载到第二便携式设备。 接口设备还包括控制逻辑，其被配置为：确定第二便携式设备是否包括未包括在第一便携式设备的图像中的附加信息，以及如果确定第二便携式设备包括附加信息，则连接附加信息 具有第一便携式设备的图像的信息，并将第一便携式设备的连接的附加信息和图像下载到第二便携式设备上。 接口设备基于一组冲突解决规则连接第一便携式设备的附加信息和图像。

公开(公告)号：US07020640B2

公开(公告)日：2006-03-28

申请号：US10101954

申请日：2002-03-21

申请人： Domenico Zucchetti

发明人： Domenico Zucchetti

IPC分类号： G06F17/00

CPC分类号： G07F7/1008 ,  G06Q20/341 ,  G06Q20/3821 ,  G06Q20/401 ,  G06Q20/403 ,  G06Q20/4093 ,  G06Q40/02

摘要： It is described a method for certifying data containing a sequence of transactions comprising the following steps: finding a new transaction added to the sequence; computing a certification code for the new transaction taking into consideration all data preceding the transaction in the preserved order; saving the computed certification codes. In particular, each transaction will carry a certification code and a sequence number that uniquely identify all the data received up to the transaction. By saving the progressive transaction count and the relative certification code it become possible, at a later time, to verify the integrity of the whole data.The described certification method allows the use of electronic certification in the accounting world.

公开(公告)号：US20060015458A1

公开(公告)日：2006-01-19

申请号：US10989330

申请日：2004-11-17

申请人： Mordechai Teicher

发明人： Mordechai Teicher

IPC分类号： G06Q40/00

CPC分类号： G07F7/1008 ,  G06Q20/102 ,  G06Q20/341 ,  G06Q20/4093

摘要： A method, apparatus and system for verifying a charge payment transaction subsequent to executing the charge payment transaction in a retail location. The method includes moving a charge payment device into the retail location and presenting the charge payment device at a merchant point of sale located at the retail location for performing the charge payment transaction. A transaction record of the charge payment transaction is stored in a transaction log within the charge payment device. A report record of the charge payment transaction is transmitted from the merchant point of sale to a settlement system and added to an electronic payments report. The transaction log is electronically correlated with the electronic payments report, checking for discrepancies between the transaction log and the electronic payments report.

摘要翻译： 一种用于在零售地点执行计费支付交易之后验证收费支付交易的方法，装置和系统。 该方法包括将费用支付设备移动到零售位置，并且在位于零售地点的营业点销售费用支付设备以执行费用支付交易。 收费支付交易的交易记录被存储在费用支付设备内的交易记录中。 收费付款交易的报告记录从商业销售点传送到结算系统，并添加到电子支付报告中。 交易日志与电子支付报告电子相关，检查交易记录与电子支付报告之间的差异。

公开(公告)号：US20050228536A1

公开(公告)日：2005-10-13

申请号：US10822156

申请日：2004-04-08

申请人： Guenther Mohr ,  James Bond ,  Anthony Staveren

发明人： Guenther Mohr ,  James Bond ,  Anthony Staveren

IPC分类号： G07C9/00 ,  G07F7/10 ,  G07F7/12 ,  G06F17/00

CPC分类号： G06Q20/346 ,  G06Q20/341 ,  G06Q20/4093 ,  G07F7/08 ,  G07F7/1008 ,  G07F7/12 ,  G07F9/026 ,  G07F9/105 ,  G07F11/002 ,  G07F17/0092

摘要： The present invention provides an Signaled dispensing station for laboratory items, for dispensing items only to authorized persons, and to facilitate management objects connected with the operation of the station. Dispensing transaction data is recorded and may be used for farther objects. Further it provides a method for dispensing items only to authorized persons, and to facilitate management objects like scheduling restocking. A system is also provided comprising at least one up to a plurality of inventive dispensing stations, the system being designed to facilitate the operation of the dispensing stations.

摘要翻译： 本发明提供了一种用于实验室物品的信号分配站，用于仅将物品分配给授权人员，并且便于与站的操作连接的管理对象。 分配交易数据被记录并且可以用于更远的对象。 此外，它提供了仅将授权人员分配物品的方法，并且便于管理对象，例如调度补货。 还提供了包括至少一个多达本发明的分配站的系统，该系统被设计成便于分配站的操作。

公开(公告)号：US20050086177A1

公开(公告)日：2005-04-21

申请号：US10968401

申请日：2004-10-18

申请人： Roy Anderson ,  William Bryant ,  Jacob Wong

发明人： Roy Anderson ,  William Bryant ,  Jacob Wong

IPC分类号： G06K19/06 ,  G07F7/10 ,  H04L9/00

CPC分类号： G06K19/06206 ,  G06K19/06196 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/206 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3576 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/4093 ,  G07F7/1008

摘要： A user can customize use of a payment card, which can be an electronic card, by selecting a customization variable for any given transaction. The customization variable involves at least one of the following steps: (1) customizing generation of a one-time card number; (2) customizing a user identifier; or (3) inclusion of a customization variable with information transmitted to a verification agency for validation of the given use. Multiple payment card transactions can be processed differently depending upon which customization variable is chosen for a given transaction. Different customization variables can be used for different accounts, different types of transactions, or to classify the transactions. A user can receive one bill, or multiple bills. Different levels of privacy can be accorded to transactions that use different customization variables. A user may pay the issuer for increased security, or the user may be paid by the issuer to allow transaction data to be distributed to third parties.

摘要翻译： 用户可以通过为任何给定的交易选择一个定制变量来自定义使用支付卡（可以是电子卡）。 定制变量至少涉及以下步骤之一：（1）定制一次性卡号的生成; （2）定制用户标识符; 或（3）将定制变量包含在传送给验证机构的信息中，以验证给定的用途。 根据为给定交易选择哪个定制变量，可以对多个支付卡交易进行不同的处理。 不同的自定义变量可用于不同的帐户，不同类型的交易或对交易进行分类。 用户可以收到一张单据，或多张单据。 可以对使用不同定制变量的交易给予不同程度的隐私。 用户可以向发行者支付增加的安全性，或者用户可以由发行者支付以允许将交易数据分发给第三方。

公开(公告)号：US06851607B2

公开(公告)日：2005-02-08

申请号：US10396605

申请日：2003-03-21

申请人： Herve Orus ,  Jean-Jacques Foglino

发明人： Herve Orus ,  Jean-Jacques Foglino

IPC分类号： A63F5/04 ,  A63F7/02 ,  G07F7/08 ,  G07F7/10 ,  G07F17/10 ,  G07F17/32 ,  G06K5/00

CPC分类号： G07F7/1008 ,  G06Q20/341 ,  G06Q20/363 ,  G06Q20/4093 ,  G07F7/0866 ,  G07F17/32 ,  G07F17/3251

摘要： A secure system and method for the transfer of value units between a plurality of gambling cards (CJ) and a plurality of gambling machines (200, 300). Each machine has a transcriber (210, 310) to debit value units of the gambling cards. The machines are connected via a secure network (123) to a central processing unit (1). Each gambling card (CJ1) stores data (S, Op1, Op2, Opx, Id, S) unique to the card and the use of that card in gambling. The central processing unit (1, BD) stores the same data as what is in the cards. The cards' and the CPU's data are maintained in parallel as the gambling progresses, and may include data from previous sessions. A monitor (BD) checks that the CPU (1, BD) data and the card (CJ1) data correspond. Thus the integrity of this smart card gambling is enhanced.

摘要翻译： 一种用于在多个赌博卡（CJ）和多个赌博机（200,300）之间传输价值单元的安全系统和方法。 每台机器都有一个抄写员（210,310），用于扣除赌博卡的价值单位。 机器经由安全网络（123）连接到中央处理单元（1）。 每个赌博卡（CJ1）存储卡上唯一的数据（S，Op1，Op2，Opx，Id，S）以及该卡在赌博中的使用。 中央处理单元（1，BD）存储与卡中相同的数据。 随着赌博的进行，卡片和CPU的数据保持并行，并且可能包括来自以前会话的数据。 监视器（BD）检查CPU（1，BD）数据和卡（CJ1）数据是否对应。 因此，智能卡赌博的完整性得到提高。