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公开(公告)号：US20140236838A1
公开(公告)日：2014-08-21
申请号：US14236310
申请日：2012-08-03
Applicant: Syed Fayez Asar , Peter Chu , Attaullah Baig , West Stringfellow , Pravir Ramtekkar , Ansar Ansari
Inventor： Syed Fayez Asar , Peter Chu , Attaullah Baig , West Stringfellow , Pravir Ramtekkar , Ansar Ansari
CPC classification number: G06Q20/4012 , G06Q20/20 , G06Q20/346 , G06Q20/385 , G06Q20/405
Abstract: A user makes a payment at a POS by entering the user's phone number (either through a keypad or via a card swipe) and PIN into a POS device (such as through a keypad). That information is communicated to a payment provider, who can then access the user's account, determine whether to approve or deny the payment, and notify the merchant of the decision.
Abstract translation: 用户通过将用户的电话号码（通过小键盘或通过卡刷卡）和PIN输入POS设备（例如通过键盘）来进行POS的支付。 该信息被传送到支付提供商，然后他们可以访问用户帐户，确定是否批准或拒绝付款，并将该决定通知商家。
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公开(公告)号：US20130103948A1
公开(公告)日：2013-04-25
申请号：US13649841
申请日：2012-10-11
Applicant: Attaullah Baig
Inventor： Attaullah Baig
CPC classification number: G06Q20/4012 , G06Q20/20 , G06Q20/206 , G06Q20/322 , G06Q20/3829 , G07F7/1075 , H04L9/0825 , H04L9/3226 , H04L63/083 , H04L2209/56
Abstract: A key is securely injected into a POS PIN pad processor in its usual operating environment. In response to entry of a personal identification number (PIN) into a PIN pad, the processor puts the PIN into a PIN block; puts additional random data into the PIN block; and encrypts the entire PIN block using asymmetric cryptography with a public key derived from the injected key residing in the PIN pad processor. The corresponding private key may be held securely and secretly by an acquirer processor for decrypting the PIN block to retrieve the PIN. The encrypted random data defends the PIN against dictionary attacks. Time stamp data and constant data encrypted with the PIN block enables a defense of the PIN against replay attacks and tampering. The method may also include accepting the PIN from a mobile phone in communication with the processor.
Abstract translation: 在其通常的操作环境中，密钥可靠地注入POS PIN垫处理器。 响应于将个人识别号码（PIN）输入到PIN垫中，处理器将PIN放入PIN块中; 将额外的随机数据放入PIN块; 并且使用具有从驻留在PIN贴片处理器中的注入键导出的公开密钥的非对称加密来加密整个PIN块。 相应的私钥可以被获取者处理器安全地和秘密地保存，用于解密PIN块以检索PIN。 加密的随机数据保护PIN免受字典攻击。 使用PIN块加密的时间戳数据和常量数据可以防止PIN对重放攻击和篡改。 该方法还可以包括从与处理器通信的移动电话接受PIN。
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公开(公告)号：US08819428B2
公开(公告)日：2014-08-26
申请号：US13649841
申请日：2012-10-11
Applicant: Attaullah Baig
Inventor： Attaullah Baig
CPC classification number: G06Q20/4012 , G06Q20/20 , G06Q20/206 , G06Q20/322 , G06Q20/3829 , G07F7/1075 , H04L9/0825 , H04L9/3226 , H04L63/083 , H04L2209/56
Abstract: A key is securely injected into a POS PIN pad processor in its usual operating environment. In response to entry of a personal identification number (PIN) into a PIN pad, the processor puts the PIN into a PIN block; puts additional random data into the PIN block; and encrypts the entire PIN block using asymmetric cryptography with a public key derived from the injected key residing in the PIN pad processor. The corresponding private key may be held securely and secretly by an acquirer processor for decrypting the PIN block to retrieve the PIN. The encrypted random data defends the PIN against dictionary attacks. Time stamp data and constant data encrypted with the PIN block enables a defense of the PIN against replay attacks and tampering. The method may also include accepting the PIN from a mobile phone in communication with the processor.
Abstract translation: 在其通常的操作环境中，密钥可靠地注入POS PIN垫处理器。 响应于将个人识别号码（PIN）输入到PIN垫中，处理器将PIN放入PIN块中; 将额外的随机数据放入PIN块; 并且使用具有从驻留在PIN贴片处理器中的注入键导出的公开密钥的非对称加密来加密整个PIN块。 相应的私钥可以被获取者处理器安全地和秘密地保存，用于解密PIN块以检索PIN。 加密的随机数据保护PIN免受字典攻击。 使用PIN块加密的时间戳数据和常量数据可以防止PIN对重放攻击和篡改。 该方法还可以包括从与处理器通信的移动电话接受PIN。
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