公开(公告)号：US5930363A

公开(公告)日：1999-07-27

申请号：US556954

申请日：1996-01-17

申请人： Christopher John Stanford ,  Eduard Karel De Jong

发明人： Christopher John Stanford ,  Eduard Karel De Jong

IPC分类号： G07F7/02 ,  G07F9/08 ,  H04L9/00 ,  H04L9/30

CPC分类号： G07F7/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/367 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q40/00 ,  G07F9/08

摘要： A security device for use in a card charging system where a service or product providing facility issues services or products by the use of credit from a card. The security device comprises signal transmission means for delivering signals to a purchasing facility to enable a user to acquire a service or product dependent on the credit debited from a card, a record keeping subsystem to certify the credit debited from the card and to identify which account is to receive the debited credit and signal processing and output means for generating signals indicating a successful transaction. The signals may be encoded by use of encryption techniques. A separable security subsystem is provided to ensure a record of transactions is available if power fails on the main security device.

摘要翻译： PCT No.PCT / GB95 / 00596 Sec。 371日期1996年1月17日 102（e）日期1996年1月17日PCT 1995年3月17日PCT公布。 公开号WO95 / 26014 日期1995年9月28日一种用于卡计费系统的安全设备，其中服务或产品提供设施通过使用来自卡的信用来发布服务或产品。 安全装置包括信号传输装置，用于将信号传送到采购设备，以使用户能够获取取决于从卡借记的信用卡的服务或产品，记录保存子系统来证明从卡中借记的信用并识别哪个帐户 是接收借记信用和信号处理和输出装置，用于产生指示成功交易的信号。 信号可以通过使用加密技术进行编码。 提供一个可分离的安全子系统，以确保主安全设备上的电源故障时事务记录可用。

公开(公告)号：US06402038B1

公开(公告)日：2002-06-11

申请号：US09417806

申请日：1999-10-14

申请人： Christopher John Stanford ,  Eduard Karel De Jong

发明人： Christopher John Stanford ,  Eduard Karel De Jong

IPC分类号： G06K1904

CPC分类号： G07F7/02 ,  G06Q20/02 ,  G06Q20/023 ,  G06Q20/04 ,  G06Q20/28 ,  G06Q20/341 ,  G06Q20/3437 ,  G06Q20/407 ,  G06Q20/40975 ,  G07F7/1008 ,  G07F7/1016

摘要： In a card charging system, especially for public transport services, a host ticket facility is operable by both credit cards usable at a card read/write device and concessionary payment cards usable at a contactless card reader, and a security and transaction device located between the card readers and the host facility stores in separate storage devices full fares and concessionary fares which the host facility is able to calculate. A card charging system, especially but not exclusively for payment of public transport fares is described, having one or more card readers and a security and transaction device connected between the card reader(s) and a host facility and for transmitting information back to a clearing centre, wherein the security and transaction device includes a number of non-volatile storage devices for error counting and transmitting related performance data back to the clearing centre. A card charging system can include a security and transaction (TSM) device located between a smart card reader, such as a contactless card reader, and a host facility to enable a purchase to be made in return for a credit debited from the card, wherein the TSM device stores each individual use of a card and transmits information relating to the time and amount debited, and downloads such information to a clearing centre to enable the latter to keep a log of individual card usage and thereby enable fraud detection.

摘要翻译： 在卡收费系统中，特别是对于公共交通服务，主机设施可由在卡读/写设备可用的信用卡和可在非接触式读卡器使用的优惠支付卡以及安全和交易设备操作，安全和交易设备位于 读卡器和主机设施在独立的存储设备中存储主机设施能够计算的完整票价和优惠票价。 描述了一种特别但不是专门用于支付公共交通费用的卡充电系统，其具有连接在读卡器和主机设施之间的一个或多个读卡器和安全和交易设备，并用于将信息发送回清算 中心，其中所述安全和交易设备包括用于错误计数并将相关性能数据发送回所述清算中心的多个非易失性存储设备。 卡片充电系统可以包括位于诸如非接触式读卡器的智能卡读取器和主机设施之间的安全和交易（TSM）设备，以使得能够进行购买以返回从卡借记的信用卡，其中 TSM设备存储卡的每个单独的使用并且发送与被记录的时间和金额有关的信息，并且将这些信息下载到清算中心，以使得后者能够保持个人卡使用的日志，从而能够进行欺诈检测。

公开(公告)号：US06510998B1

公开(公告)日：2003-01-28

申请号：US09417807

申请日：1999-10-14

申请人： Christopher John Stanford ,  Eduard Karel De Jong

发明人： Christopher John Stanford ,  Eduard Karel De Jong

IPC分类号： G06K1906

CPC分类号： G07F7/02 ,  G06Q20/02 ,  G06Q20/023 ,  G06Q20/04 ,  G06Q20/28 ,  G06Q20/341 ,  G06Q20/3437 ,  G06Q20/407 ,  G06Q20/40975 ,  G07F7/1008 ,  G07F7/1016

摘要： In a card charging system, especially for public transport services, there is included: (a) a card read/write unit for receiving one or more prepaid or credit cards; (b) a transaction recording-payment facility; and (c) a security module located between the card read/write unit and the transaction recording-payment facility, the recording-payment facility operable to receive signals from the security module to enable a purchase to be made in return for an amount of credit debited from said one or more cards, wherein a contactless concessionary card reading subsystem is connected to the security module, in addition to the card read/write unit for prepaid or credit cards. The system provides the benefit that it is capable of accommodating concessionary card reading subsystems and determining appropriate debiting associated therewith in addition to improved transaction recording and enhanced security.

摘要翻译： 在卡收费系统中，特别是对于公共交通服务，包括：（a）用于接收一个或多个预付费或信用卡的卡读/写单元;（b）交易记录支付设施; 以及（c）位于卡读/写单元和交易记录支付设施之间的安全模块，所述记录支付设备可操作以从所述安全模块接收信号，以进行购买以返回信用量 从所述一张或多张卡中扣除，其中除了用于预付费或信用卡的卡读/写单元之外，非接触式优惠卡读取子系统连接到安全模块。该系统提供其能够容纳优惠卡的益处 读取子系统并确定与之相关联的适当的借记以及改进的交易记录和增强的安全性。

公开(公告)号：US06553351B1

公开(公告)日：2003-04-22

申请号：US09194323

申请日：1998-12-30

申请人： Eduard Karel De Jong ,  Christopher John Stanford

发明人： Eduard Karel De Jong ,  Christopher John Stanford

IPC分类号： G06F1760

CPC分类号： G06Q20/29 ,  G06Q20/06 ,  G06Q20/341 ,  G06Q20/3678 ,  G06Q20/4093 ,  G07F7/1008 ,  G07F7/1016

摘要： A value transfer system of at least one VCD (Value Carrying Device) (1) and at least one VAD (Value Accepting Device) (2), the VAD (2) having a memory (53) for storing at least an aggregate value (28) of previous accepted values and a device for transferring a claiming message (13), the VCD (1) having a memory (52) for storing at least a balance value (7) and a device for transferring a proving message (14), wherein the VAD (2) includes into the claiming message (13) a transaction value (20), a previous aggregate value (21) and a corresponding previously computed proving cryptogram (22), the VCD (1) computes and includes into the electronic message (14) a transaction proving cryptogram (35), computed on the basis of the previous aggregate value (21), the corresponding previously computed proving cryptogram (22) and the transaction value (20), and the VCD (1) computes the at least one transaction proving cryptogram (35) only if it has established the correctness of the received previous aggregate value (21) by using the corresponding previously computed cryptogram (22) and after it has reduced the balance value (7) with the transaction value (20).

摘要翻译： 至少一个VCD（价值承载装置）（1）和至少一个VAD（价值接受装置）（2）的价值转移系统，所述VAD（2）具有用于至少存储总值的存储器（53） 28）和用于传送声明消息（13）的设备，所述VCD（1）具有用于存储至少余额值（7）的存储器（52）和用于传送证明消息（14）的设备， ，其中所述VAD（2）在所述声明消息（13）中包括交易值（20），先前聚合值（21）和相应的先前计算的证明密码（22），所述VCD（1）计算并包括在 电子消息（14）基于先前聚合值（21），相应的先前计算的验证密码（22）和交易值（20）计算的交易证明密码（35），并且VCD（1）计算 所述至少一个事务证明密码（35）仅在已经建立了所接收的前一个的正确性的情况下 通过使用相应的先前计算的密码（22）并且在用交易值（20）减少余额值（7）之后的总计值（21）。

公开(公告)号：US06375084B1

公开(公告)日：2002-04-23

申请号：US09417809

申请日：1999-10-14

申请人： Christopher John Stanford ,  Eduard Karel De Jong

发明人： Christopher John Stanford ,  Eduard Karel De Jong

IPC分类号： G06K1906

CPC分类号： G07F7/02 ,  G06Q20/02 ,  G06Q20/023 ,  G06Q20/04 ,  G06Q20/28 ,  G06Q20/341 ,  G06Q20/3437 ,  G06Q20/407 ,  G06Q20/40975 ,  G07F7/1008 ,  G07F7/1016

摘要： In a card charging system, especially for public transport services, a host ticket facility is operable by both credit cards usable at a card read/write device and concessionary payment cards usable at a contactless card reader, and a security and transaction device located between the card readers and the host facility stores in separate storage devices full fares and concessionary fares which the host facility is able to calculate. A card charging system, especially but not exclusively for payment of public transport fares is described, having one or more card readers and a security and transaction device connected between the card reader(s) and a host facility and for transmitting information back to a clearing center, wherein the security and transaction device includes a number of non-volatile storage devices for error counting and transmitting related performance data back to the clearing center. A card charging system can include a security and transaction (TSM) device located between a smart card reader, such as a contactless card reader, and a host facility to enable a purchase to be made in return for a credit debited from the card, wherein the TSM device stores each individual use of a card and transmits information relating to the time and amount debited, and downloads such information to a clearing center to enable the latter to keep a log of individual card usage and thereby enable fraud detection. Where a (TSM) device is connected between a card reader and a host to enable a purchase to be made as described, amounts debited are communicated by the TSM to the clearing center in conjunction with a code uniquely associating that particular TSM with a particular host thereby to enable correct revenue apportionment.

摘要翻译： 在卡收费系统中，特别是对于公共交通服务，主机设施可由在卡读/写设备可用的信用卡和可在非接触式读卡器使用的优惠支付卡以及安全和交易设备操作，安全和交易设备位于 读卡器和主机设施在独立的存储设备中存储主机设施能够计算的完整票价和优惠票价。 描述了一种特别但不是专门用于支付公共交通费用的卡充电系统，其具有连接在读卡器和主机设施之间的一个或多个读卡器和安全和交易设备，并用于将信息发送回清算 中心，其中所述安全和交易设备包括用于错误计数并将相关性能数据发送回所述清算中心的多个非易失性存储设备。 卡片充电系统可以包括位于诸如非接触式读卡器的智能卡读取器和主机设施之间的安全和交易（TSM）设备，以使得能够进行购买以返回从卡借记的信用卡，其中 TSM设备存储卡的每个单独的使用并且发送与被记录的时间和金额有关的信息，并且将这些信息下载到清算中心，以使得后者能够保持个人卡使用的日志，从而能够进行欺诈检测。 如果（TSM）设备连接在读卡器和主机之间以使得能够按照描述进行购买，则由TSM将清偿的金额与唯一地将该特定TSM与特定主机相关联的代码传送到结算中心 从而实现正确的收入分配。