公开(公告)号：US08793188B2

公开(公告)日：2014-07-29

申请号：US13133820

申请日：2009-12-10

申请人： Colin Larkin

发明人： Colin Larkin

IPC分类号： G06Q40/00 ,  G06Q20/20 ,  G06Q40/02 ,  G06Q20/40

CPC分类号： G06Q20/20 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/42 ,  G06Q40/02

摘要： A card fraud prevention network and method are provided. The network includes a plurality of network-connected data processing terminals, including at least one server. Electronic authorization requests are received for authorizing the processing of an electronic transaction associated with a cardholder's card data or account data. The received requests are filtered according to predetermined or configurable criteria. A cardholder terminal is identified, to which the request is sent in order to notify the cardholder that processing of an electronic transaction is proposed, a parameter of which is the cardholder's card data or account data. Means are provided for interrupting processing of the, or any further, electronic transaction with that card data or account data, should the request correspond to an unauthorised transaction.

摘要翻译： 提供了一种防卡网络和方法。 网络包括多个网络连接的数据处理终端，包括至少一个服务器。 收到电子授权请求，用于授权处理与持卡人卡数据或帐户数据相关的电子交易。 接收到的请求将根据预定或可配置的标准进行过滤。 识别出持卡人终端，发送请求以通知持卡人提出电子交易的处理，其参数是持卡人的卡片数据或账户数据。 如果请求对应于未经授权的交易，则提供用于中断与该卡数据或帐户数据的任何进一步的电子交易的处理的手段。

公开(公告)号：US20120047072A1

公开(公告)日：2012-02-23

申请号：US13202525

申请日：2010-02-19

申请人： Colin Larkin

发明人： Colin Larkin

IPC分类号： G06Q20/08

CPC分类号： G06Q20/3223 ,  G06Q20/02 ,  G06Q20/32 ,  G06Q20/3255 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/425

摘要： A system and method for preventing merchant electronic transaction fraud includes a plurality of network connected data processing terminals, including at least one server; means for receiving an electronic authorisation request at the server from a first data processing terminal, the request is for authorising the processing of an electronic transaction associated with a cardholder's card or account data; means for filtering the received request according to predetermined filtering criteria; means for identifying at least a second data processing terminal as a merchant device; means for sending the request to the merchant device, to notify the merchant that processing of an electronic transaction is proposed, a parameter of which is said cardholder's card or account data and alert data to indicate that the transaction is fraudulent; and means for receiving interrupt data from the second terminal and for interrupting processing of the transaction with that card data or account data.

摘要翻译： 防止商家电子交易欺诈的系统和方法包括多个网络连接的数据处理终端，包括至少一个服务器; 用于从所述第一数据处理终端在所述服务器处接收电子授权请求的装置，所述请求用于授权与持卡人卡或帐户数据相关联的电子交易的处理; 用于根据预定的过滤标准过滤所接收的请求的装置; 用于将至少第二数据处理终端识别为商家设备的装置; 用于向所述商家设备发送所述请求的手段，以通知商家提出电子交易的处理，其参数是所述持卡人的卡或帐户数据和警报数据，以指示交易是欺诈性的; 以及用于从所述第二终端接收中断数据以及用所述卡数据或帐户数据中断所述交易的处理的装置。

公开(公告)号：US20130185166A1

公开(公告)日：2013-07-18

申请号：US13811554

申请日：2011-07-19

申请人： Colin Larkin

发明人： Colin Larkin

IPC分类号： G06Q20/32

CPC分类号： G06Q20/3224 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/3223

摘要： A method and system processes location data associated with a transaction in an electronic transaction processing system. The system comprises at least one point of sale terminal, such as a merchant terminal or ATM terminal, and at least one cardholder mobile terminal, each terminal being connected to a network and associated with a same electronic transaction. Data representative of the geographical location of the at least one point of sale terminal and data representative of the geographical location of the at least one cardholder mobile terminal is also obtained. The respective positional data of the terminals is compared, and an alert message is communicated over the network if the comparison indicates that the terminals are not located within a predetermined proximity to one another. The transaction can be authorised or rejected based on the position of the cardholder at the time to the transaction.

摘要翻译： 一种方法和系统处理与电子交易处理系统中的交易相关联的位置数据。 该系统包括至少一个销售点终端，例如商家终端或ATM终端，以及至少一个持卡人移动终端，每个终端连接到网络并与相同的电子交易相关联。 还可以获得表示至少一个销售点终端的地理位置的数据和表示至少一个持卡人移动终端的地理位置的数据。 比较终端的相应位置数据，并且如果比较指示终端不位于彼此预定的邻近范围内，则通过网络传送警报消息。 交易可以根据持卡人在交易时的位置进行授权或拒绝。

公开(公告)号：US20110276489A1

公开(公告)日：2011-11-10

申请号：US13133820

申请日：2009-12-10

申请人： Colin Larkin

发明人： Colin Larkin

IPC分类号： G06Q20/00 ,  G06Q40/00

CPC分类号： G06Q20/20 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/42 ,  G06Q40/02

摘要： A card fraud prevention network and method are provided. The network includes a plurality of network-connected data processing terminals, including at least one server. Electronic authorisation requests are received for authorising the processing of an electronic transaction associated with a cardholder's card data or account data. The received requests are filtered according to predetermined or configurable criteria. A cardholder terminal is identified, to which the request is sent in order to notify the cardholder that processing of an electronic transaction is proposed, a parameter of which is the cardholder's card data or account data. Means are provided for interrupting processing of the, or any further, electronic transaction with that card data or account data, should the request correspond to an unauthorised transaction.

摘要翻译： 提供了一种防卡网络和方法。 网络包括多个网络连接的数据处理终端，包括至少一个服务器。 收到电子授权请求，用于授权处理与持卡人卡数据或帐户数据相关的电子交易。 接收到的请求将根据预定或可配置的标准进行过滤。 识别出持卡人终端，发送请求以通知持卡人提出电子交易的处理，其参数是持卡人的卡片数据或账户数据。 如果请求对应于未经授权的交易，则提供用于中断与该卡数据或帐户数据的任何进一步的电子交易的处理的手段。

公开(公告)号：US20050006237A1

公开(公告)日：2005-01-13

申请号：US10913592

申请日：2004-08-06

申请人： Colin Larkin ,  Mark Meyerhoff ,  Robert Baugh ,  Narayanan Ramamurthy

发明人： Colin Larkin ,  Mark Meyerhoff ,  Robert Baugh ,  Narayanan Ramamurthy

IPC分类号： G01N27/28 ,  G01N27/333 ,  G01N27/414 ,  G01N27/416 ,  G01N27/26 ,  B05D5/12 ,  G01F1/64 ,  G01N17/00

CPC分类号： G01N27/3335

摘要： An improved ion-sensing electrode for detecting ions or polyions is provided having an electrically conducting member sheathed or coated with a layer of insulation except at an exposed, uninsulated area, where the insulation free surface of the electrically conducting member is texturized, and a polymeric membrane coated on the insulation-free surface of the electrically conducting member, where the ion selective membrane includes an ionophore. The texturized surface improves the starting EMF stability and reproducibility of the ion-sensing electrodes, and further improves membrane adherence to the electrically conducting member.

摘要翻译： 提供了一种用于检测离子或聚阴离子的改进的离子感测电极，其具有包覆或涂覆有绝缘层的导电构件，除了暴露的未绝缘区域，其中导电构件的绝缘自由表面被组织化， 膜涂覆在导电构件的绝缘表面上，其中离子选择性膜包括离子载体。 纹理化表面改善了起始EMF稳定性和离子感测电极的再现性，并且进一步改善了与导电构件的膜粘附性。