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公开(公告)号：US08769275B2
公开(公告)日：2014-07-01
申请号：US11550387
申请日：2006-10-17
CPC分类号： G06Q20/367 , G06F21/606 , G06Q20/085 , G06Q20/12 , G06Q20/382 , G06Q20/3823 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q2220/00 , H04L9/3234 , H04L2209/56
摘要： Systems and methods for performing settlement of token access transactions are provided. In one embodiment, the invention provides for batch processing bank card transactions, including receiving transaction records for a plurality of bank card transactions, wherein at least some of the transaction records include encrypted token information; determining whether the transaction records contain encrypted token information; decrypting the encrypted token information for a transaction record that is determined to have encrypted token information; and providing clear text token information obtained by decrypting the encrypted token information for a transaction record for transaction settlement.
摘要翻译： 提供了用于执行令牌访问事务的结算的系统和方法。 在一个实施例中，本发明提供批量处理银行卡交易，包括接收多个银行卡交易的交易记录，其中至少一些交易记录包括加密的令牌信息; 确定交易记录是否包含加密的令牌信息; 对被确定具有加密的令牌信息的事务记录的加密令牌信息进行解密; 并提供通过解密用于交易结算的交易记录的加密令牌信息而获得的明文令牌信息。
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公开(公告)号：US20080091944A1
公开(公告)日：2008-04-17
申请号：US11550387
申请日：2006-10-17
IPC分类号： H04L9/00
CPC分类号： G06Q20/367 , G06F21/606 , G06Q20/085 , G06Q20/12 , G06Q20/382 , G06Q20/3823 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q2220/00 , H04L9/3234 , H04L2209/56
摘要： Systems and methods for performing settlement of token access transactions are provided. In one embodiment, the invention provides for batch processing bank card transactions, including receiving transaction records for a plurality of bank card transactions, wherein at least some of the transaction records include encrypted token information; determining whether the transaction records contain encrypted token information; decrypting the encrypted token information for a transaction record that is determined to have encrypted token information; and providing clear text token information obtained by decrypting the encrypted token information for a transaction record for transaction settlement.
摘要翻译： 提供了用于执行令牌访问事务的结算的系统和方法。 在一个实施例中，本发明提供批量处理银行卡交易，包括接收多个银行卡交易的交易记录，其中至少一些交易记录包括加密的令牌信息; 确定交易记录是否包含加密的令牌信息; 对被确定具有加密的令牌信息的事务记录的加密令牌信息进行解密; 并提供通过解密用于交易结算的交易记录的加密令牌信息而获得的明文令牌信息。
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公开(公告)号：US09818108B2
公开(公告)日：2017-11-14
申请号：US11953280
申请日：2007-12-10
IPC分类号： H04L9/00 , G06F15/16 , G06Q20/36 , G06Q20/08 , G06Q20/12 , G06Q20/38 , H04L9/32 , G06F21/60 , G06Q20/40
CPC分类号： G06Q20/367 , G06F21/606 , G06Q20/085 , G06Q20/12 , G06Q20/382 , G06Q20/3823 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q2220/00 , H04L9/3234 , H04L2209/56
摘要： Systems and methods for updating a transactional device having a reader is provided. In one embodiment, the method includes: reading data on a command token, wherein the data is stored in a memory device; identifying the token as a command token based on the data; generating transaction data that include an instruction based on the token data and a code identifying the instruction as a command data; and transmitting the transaction data to a remote device for command execution.
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公开(公告)号：US09123042B2
公开(公告)日：2015-09-01
申请号：US11839698
申请日：2007-08-16
申请人： Clay von Mueller , Scott R. Yale , Paul Catinella
发明人： Clay von Mueller , Scott R. Yale , Paul Catinella
CPC分类号： G06Q20/3823 , G06Q20/20 , G06Q20/367 , G06Q20/4012 , G07F7/088
摘要： Systems and methods for performing token transactions are provided. In one embodiment, the invention provides for processing token transactions, including receiving an encrypted password for a debit card transaction, wherein the password was secured using encrypted debit-card information, decrypting the password using encrypted debit-card information for the debit card, recreating the password using actual debit-card information for the debit card, and forwarding the recreated password for subsequent transaction processing. The invention is suitable for implementation with other types of tokens in addition to debit-card tokens as well. The invention can be implemented in a scenario where the password includes a PIN block that is created by combining a clear or encrypted PIN for the token with token information.
摘要翻译： 提供了用于执行令牌交易的系统和方法。 在一个实施例中，本发明提供处理令牌交易，包括接收用于借记卡交易的加密密码，其中使用加密的借记卡信息来保护密码，使用借记卡的加密借方卡信息解密密码，重新创建 使用借记卡的实际借记卡信息的密码，以及转发用于后续交易处理的重新创建的密码。 除了借记卡令牌之外，本发明也适用于其他类型的令牌的实现。 本发明可以在密码包括通过将令牌的清楚或加密的PIN与令牌信息组合而创建的PIN块的情况下实现。
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公开(公告)号：US08775805B2
公开(公告)日：2014-07-08
申请号：US13081445
申请日：2011-04-06
CPC分类号： G06Q20/367 , G06F21/606 , G06Q20/085 , G06Q20/12 , G06Q20/382 , G06Q20/3823 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q2220/00 , H04L9/3234 , H04L2209/56
摘要： Systems and methods for performing a secure transaction provided. In one embodiment, the method for encrypting data is provided, comprising: selecting clear text data; selecting a symbol set corresponding to the clear text data; encrypting the clear text data using a key, the encrypting comprising the operations of: defining a first portion and a second portion of the clear text data, encrypting the second portion using the key to generate an encryption mask, and encrypting the clear text data by applying the encryption mask to the first portion using a modulus operation while preserving the second portion as unencrypted, thereby resulting in encrypted data comprising an encrypted first portion and an unencrypted second portion; and wherein the encrypted data has the same format as the clear text data, has the same length as the clear text data, and uses the symbol set of the clear text data.
摘要翻译： 提供安全交易的系统和方法。 在一个实施例中，提供了加密数据的方法，包括：选择明文数据; 选择对应于明文数据的符号集; 使用密钥加密明文数据，加密包括以下操作：定义明文数据的第一部分和第二部分，使用密钥加密第二部分以生成加密掩码，并且通过以下方式加密明文数据： 使用模数运算将加密掩码应用于第一部分，同时将第二部分保持为未加密，由此产生包括加密的第一部分和未加密第二部分的加密数据; 并且其中所述加密数据具有与所述明文数据相同的格式，具有与所述明文数据相同的长度，并且使用所述明文数据的符号集。
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公开(公告)号：US08595490B2
公开(公告)日：2013-11-26
申请号：US11953253
申请日：2007-12-10
CPC分类号： G06Q20/367 , G06F21/606 , G06Q20/085 , G06Q20/12 , G06Q20/382 , G06Q20/3823 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q2220/00 , H04L9/3234 , H04L2209/56
摘要： Systems and methods for performing a secure transaction provided. In one embodiment, the method includes: reading data on a command token, reading data on a token; encrypting the token data with a key; encrypting an authentication data with a clear text token data; and transmitting the encrypted authentication data with the encrypted token data to a remote device.
摘要翻译： 提供安全交易的系统和方法。 在一个实施例中，该方法包括：读取命令令牌上的数据，读取令牌上的数据; 用密钥加密令牌数据; 使用明文令牌数据加密认证数据; 并将加密的认证数据与加密的令牌数据发送到远程设备。
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公开(公告)号：US20110211689A1
公开(公告)日：2011-09-01
申请号：US13081445
申请日：2011-04-06
IPC分类号： H04L9/28
CPC分类号： G06Q20/367 , G06F21/606 , G06Q20/085 , G06Q20/12 , G06Q20/382 , G06Q20/3823 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q2220/00 , H04L9/3234 , H04L2209/56
摘要： Systems and methods for performing a secure transaction provided. In one embodiment, the method for encrypting data is provided, comprising: selecting clear text data; selecting a symbol set corresponding to the clear text data; encrypting the clear text data using a key, the encrypting comprising the operations of: defining a first portion and a second portion of the clear text data, encrypting the second portion using the key to generate an encryption mask, and encrypting the clear text data by applying the encryption mask to the first portion using a modulus operation while preserving the second portion as unencrypted, thereby resulting in encrypted data comprising an encrypted first portion and an unencrypted second portion; and wherein the encrypted data has the same format as the clear text data, has the same length as the clear text data, and uses the symbol set of the clear text data.
摘要翻译： 提供安全交易的系统和方法。 在一个实施例中，提供了加密数据的方法，包括：选择明文数据; 选择对应于明文数据的符号集; 使用密钥加密明文数据，加密包括以下操作：定义明文数据的第一部分和第二部分，使用密钥加密第二部分以生成加密掩码，并且通过以下方式加密明文数据： 使用模数运算将加密掩码应用于第一部分，同时将第二部分保持为未加密，由此产生包括加密的第一部分和未加密的第二部分的加密数据; 并且其中所述加密数据具有与所述明文数据相同的格式，具有与所述明文数据相同的长度，并且使用所述明文数据的符号集。
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公开(公告)号：US20090070583A1
公开(公告)日：2009-03-12
申请号：US11953253
申请日：2007-12-10
IPC分类号： H04L9/00
CPC分类号： G06Q20/367 , G06F21/606 , G06Q20/085 , G06Q20/12 , G06Q20/382 , G06Q20/3823 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q2220/00 , H04L9/3234 , H04L2209/56
摘要： Systems and methods for performing a secure transaction provided. In one embodiment, the method includes: reading data on a command token, reading data on a token; encrypting the token data with a key; encrypting an authentication data with a clear text token data; and transmitting the encrypted authentication data with the encrypted token data to a remote device.
摘要翻译： 提供安全交易的系统和方法。 在一个实施例中，该方法包括：读取命令令牌上的数据，读取令牌上的数据; 用密钥加密令牌数据; 使用明文令牌数据加密认证数据; 并将加密的认证数据与加密的令牌数据发送到远程设备。
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公开(公告)号：US20090060199A1
公开(公告)日：2009-03-05
申请号：US11953280
申请日：2007-12-10
CPC分类号： G06Q20/367 , G06F21/606 , G06Q20/085 , G06Q20/12 , G06Q20/382 , G06Q20/3823 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q2220/00 , H04L9/3234 , H04L2209/56
摘要： Systems and methods for updating a transactional device having a reader is provided. In one embodiment, the method includes: reading data on a command token, wherein the data is stored in a memory device; identifying the token as a command token based on the data; generating transaction data that include an instruction based on the token data and a code identifying the instruction as a command data; and transmitting the transaction data to a remote device for command execution.
摘要翻译： 提供了用于更新具有读取器的事务设备的系统和方法。 在一个实施例中，该方法包括：读取命令令牌上的数据，其中数据存储在存储器设备中; 基于该数据将令牌识别为命令令牌; 生成包括基于所述令牌数据的指令和将所述指令识别为指令数据的代码的交易数据; 并将事务数据发送到远程设备以进行命令执行。
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公开(公告)号：US20080189214A1
公开(公告)日：2008-08-07
申请号：US11839698
申请日：2007-08-16
申请人： Clay von Mueller , Scott R. Yale , Paul Catinella
发明人： Clay von Mueller , Scott R. Yale , Paul Catinella
CPC分类号： G06Q20/3823 , G06Q20/20 , G06Q20/367 , G06Q20/4012 , G07F7/088
摘要： Systems and methods for performing token transactions are provided. In one embodiment, the invention provides for processing token transactions, including receiving an encrypted password for a debit card transaction, wherein the password was secured using encrypted debit-card information, decrypting the password using encrypted debit-card information for the debit card, recreating the password using actual debit-card information for the debit card, and forwarding the recreated password for subsequent transaction processing. The invention is suitable for implementation with other types of tokens in addition to debit-card tokens as well. The invention can be implemented in a scenario where the password includes a PIN block that is created by combining a clear or encrypted PIN for the token with token information.
摘要翻译： 提供了用于执行令牌交易的系统和方法。 在一个实施例中，本发明提供处理令牌交易，包括接收用于借记卡交易的加密密码，其中使用加密的借记卡信息来保护密码，使用借记卡的加密借方卡信息解密密码，重新创建 使用借记卡的实际借记卡信息的密码，以及转发用于后续交易处理的重新创建的密码。 除了借记卡令牌之外，本发明也适用于其他类型的令牌的实现。 本发明可以在密码包括通过将令牌的清楚或加密的PIN与令牌信息组合而创建的PIN块的情况下实现。
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