公开(公告)号：US09704353B2

公开(公告)日：2017-07-11

申请号：US13195408

申请日：2011-08-01

申请人： John R. Lazzaro ,  Michael A. Keresman, III ,  Chandra Balasubramanian ,  Francis M. Sherwin

发明人： John R. Lazzaro ,  Michael A. Keresman, III ,  Chandra Balasubramanian ,  Francis M. Sherwin

IPC分类号： G07F19/00 ,  G06Q30/06 ,  G07F7/10

CPC分类号： G07F19/201 ,  G06Q30/0641 ,  G07F7/10 ,  G07F7/1041

摘要： A method is provided for authenticating debit card transactions engaged in by a cardholder on a communications network. The method includes: a) establishing a connection over the network with a client being used by the cardholder to engage in a transaction on the network; b) providing over the connection to the client a web page containing a keypad (22) having a plurality of buttons (24) that collectively define a geometry of the keypad (22), the keypad (22) being employed by the cardholder to enter a PIN via selection of the buttons (24) with a pointing device of the client; c) obtaining over the connection the PIN enter by the cardholder; d) determining if the obtained PIN is correct for a debit card being used by the cardholder to engage in the transaction; e) repeating step a) through d) for each transaction the cardholder engages in on the network; and, f) with respect to two transactions engaged in by the cardholder, changing at least one of a location of the keypad (22) on the web page, the geometry of the keypad (22), a size of the buttons (24) and a spacing between neighboring buttons (24).

公开(公告)号：US07992007B2

公开(公告)日：2011-08-02

申请号：US10358583

申请日：2003-02-05

申请人： John R. Lazzaro ,  Michael A. Keresman, III ,  Chandra Balasubramanian ,  Francis M. Sherwin

发明人： John R. Lazzaro ,  Michael A. Keresman, III ,  Chandra Balasubramanian ,  Francis M. Sherwin

IPC分类号： H04K1/00

CPC分类号： G07F19/201 ,  G06Q30/0641 ,  G07F7/10 ,  G07F7/1041

摘要： A method is provided for authenticating debit card transactions engaged in by a cardholder on a communications network. The method includes: a) establishing a connection over the network with a client being used by the cardholder to engage in a transaction on the network; b) providing over the connection to the client a web page containing a keypad (22) having a plurality of buttons (24) that collectively define a geometry of the keypad (22), the keypad (22) being employed by the cardholder to enter a PIN via selection of the buttons (24) with a pointing device of the client; c) obtaining over the connection the PIN enter by the cardholder; d) determining if the obtained PIN is correct for a debit card being used by the cardholder to engage in the transaction; e) repeating step a) through d) for each transaction the cardholder engages in on the network; and, f) with respect to two transactions engaged in by the cardholder, changing at least one of a location of the keypad (22) on the web page, the geometry of the keypad (22), a size of the buttons (24) and a spacing between neighboring buttons (24).

摘要翻译： 提供了一种用于认证由通信网络上的持卡人参与的借记卡交易的方法。 该方法包括：a）通过网络建立与持卡人正在使用的客户端进行在网络上的交易的连接; b）通过连接到客户端提供包含具有共同定义键盘（22）的几何形状的多个按钮（24）的小键盘（22）的网页，键盘（22）被持卡人使用以进入 通过使用所述客户机的指点设备选择所述按钮（24）来确定PIN; c）通过持卡人输入的PIN连接获取; d）确定所获得的PIN是否正确用于持卡人从事该交易的借记卡; e）对持卡人在网络上进行的每笔交易重复步骤a）至d）; 以及f）关于由持卡人参与的两个交易，改变网页上的小键盘（22）的位置，键盘（22）的几何形状，按钮（24）的大小中的至少一个， 和相邻按钮（24）之间的间隔。

公开(公告)号：US20170287289A1

公开(公告)日：2017-10-05

申请号：US15618889

申请日：2017-06-09

申请人： John R. Lazzaro ,  Michael A. Keresman, III ,  Chandra Balasubramanian ,  Francis M. Sherwin

发明人： John R. Lazzaro ,  Michael A. Keresman, III ,  Chandra Balasubramanian ,  Francis M. Sherwin

IPC分类号： G07F19/00 ,  G07F7/10 ,  G06Q30/06

CPC分类号： G07F19/201 ,  G06Q30/0641 ,  G07F7/10 ,  G07F7/1041

摘要： A method is provided for authenticating debit card transactions engaged in by a cardholder on a communications network. The method includes: a) establishing a connection over the network with a client being used by the cardholder to engage in a transaction on the network; b) providing over the connection to the client a web page containing a keypad (22) having a plurality of buttons (24) that collectively define a geometry of the keypad (22), the keypad (22) being employed by the cardholder to enter a PIN via selection of the buttons (24) with a pointing device of the client; c) obtaining over the connection the PIN enter by the cardholder; d) determining if the obtained PIN is correct for a debit card being used by the cardholder to engage in the transaction; e) repeating step a) through d) for each transaction the cardholder engages in on the network; and, f) with respect to two transactions engaged in by the cardholder, changing at least one of a location of the keypad (22) on the web page, the geometry of the keypad (22), a size of the buttons (24) and a spacing between neighboring buttons (24).