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    Adaptor for magnetic stripe card reader
    1.
    发明申请
    Adaptor for magnetic stripe card reader 审中-公开
    磁条读卡器适配器

    公开(公告)号：US20080029598A1

    公开(公告)日：2008-02-07

    申请号：US11881187

    申请日：2007-07-25

    申请人： Jorge Fernandes ,  Mohammad Khan ,  Kerry Brown

    发明人： Jorge Fernandes ,  Mohammad Khan ,  Kerry Brown

    IPC分类号： G06K7/08

    CPC分类号： G07G1/0018 ,  G06K7/084 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q20/3572 ,  G06Q20/363 ,  G06Q20/4037 ,  G07F7/08 ,  G07F7/0866

    摘要： An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.

    摘要翻译： 适配器允许磁条读卡器从其他介质（例如无线接近芯片卡）接收信息，同时保持接收磁条卡的能力。 根据一个实施例，适配器包括具有足够窄宽度的模拟结构，以基本上永久地配合在磁条读取装置的狭槽内，同时为磁条卡提供充足的空间，同时容纳在槽内并由 读者头。 模拟结构可以与诸如RF和IR的无线通信的一个或多个收发器进行电子通信。

    Collaborative negotiation techniques for mobile personal trusted device financial transactions
    2.
    发明申请
    Collaborative negotiation techniques for mobile personal trusted device financial transactions 有权

    公开(公告)号：US20060000900A1

    公开(公告)日：2006-01-05

    申请号：US11137682

    申请日：2005-05-24

    申请人： Jorge Fernandes ,  Mohammad Khan ,  Kerry Brown

    发明人： Jorge Fernandes ,  Mohammad Khan ,  Kerry Brown

    IPC分类号： G06K5/00

    CPC分类号： G06Q20/04 ,  G06Q20/12 ,  G06Q20/223 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3227

    摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.

    Collaborative negotiation techniques for mobile personal trusted device financial transactions
    6.
    发明授权
    Collaborative negotiation techniques for mobile personal trusted device financial transactions 有权

    公开(公告)号：US08596528B2

    公开(公告)日：2013-12-03

    申请号：US13584553

    申请日：2012-08-13

    申请人： Jorge M. Fernandes ,  Mohammad Khan ,  Kerry Brown

    发明人： Jorge M. Fernandes ,  Mohammad Khan ,  Kerry Brown

    IPC分类号： G06K5/00

    CPC分类号： G06Q20/04 ,  G06Q20/12 ,  G06Q20/223 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3227

    摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.

    Collaborative negotiation techniques for mobile personal trusted device financial transactions
    7.
    发明授权
    Collaborative negotiation techniques for mobile personal trusted device financial transactions 有权
    移动个人信任设备金融交易的协同协商技术

    公开(公告)号：US08240557B2

    公开(公告)日：2012-08-14

    申请号：US12287283

    申请日：2008-10-07

    申请人： Jorge M. Fernandes ,  Mohammad A. Khan ,  Kerry Brown

    发明人： Jorge M. Fernandes ,  Mohammad A. Khan ,  Kerry Brown

    IPC分类号： G06K5/00

    CPC分类号： G06Q20/04 ,  G06Q20/12 ,  G06Q20/223 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3227

    摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.

    摘要翻译： 提供了用于移动个人信任设备金融交易的谈判技术的技术。 移动个人信任设备的用户设置定义用户进行金融交易的优选参数的用户偏好。 商家设定商人偏好，其定义了商人进行金融交易的首选参数。 当金融交易发起时，访问用户偏好和商家偏好。 生成适应用户偏好和商家偏好的协商偏好。 如果用户偏好和商家偏好不是相互排斥的，则协商的偏好尝试满足两个偏好。 如果用户偏好和商家偏好是相互排斥的，则基于两个偏好中哪一个具有较高优先级的协商偏好来满足两个偏好中的至少一个。 金融交易是根据谈判的偏好进行的。

    FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES
    8.
    发明申请
    FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 有权
    具有动态卡验证值的财务交易

    公开(公告)号：US20070136211A1

    公开(公告)日：2007-06-14

    申请号：US11618818

    申请日：2006-12-30

    申请人： Kerry Brown ,  David Pariseau

    发明人： Kerry Brown ,  David Pariseau

    IPC分类号： G06Q99/00

    CPC分类号： G07F7/1008 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/385 ,  G06Q20/401 ,  G06Q20/4018 ,  G07F7/08 ,  G07F7/1083 ,  G07F7/12

    摘要： A payment card comprises an internal dynamic card verification value (CVV) generator and a user display for card-not-present transactions. Card-present transactions with merchant card readers are enabled by a dynamic magnetic array internally associated with the card's magnetic stripe. The user display and a timer are triggered by the suer when the user needs to see the card verification value and/or begin a new transaction. A new card verification value is provided for each new transaction according to a cryptographic process, but the timer limits how soon a next new card verification value can be generated.

    摘要翻译： 支付卡包括内部动态卡验证值（CVV）发生器和用于卡不存在交易的用户显示。 通过与卡的磁条内部相关联的动态磁阵列来实现与商家卡读卡器的卡存在交易。 当用户需要查看卡验证值和/或开始新的交易时，用户显示和定时器由用户触发。 根据加密过程为每个新交易提供新的卡验证值，但定时器限制下一个新卡验证值可以生成的时间。

    Collaborative negotiation techniques for mobile personal trusted device financial transactions
    10.
    发明申请
    Collaborative negotiation techniques for mobile personal trusted device financial transactions 有权

    公开(公告)号：US20090108064A1

    公开(公告)日：2009-04-30

    申请号：US12287283

    申请日：2008-10-07

    申请人： Jorge M. Fernandes ,  Mohammad A. Khan ,  Kerry Brown

    发明人： Jorge M. Fernandes ,  Mohammad A. Khan ,  Kerry Brown

    IPC分类号： G06K5/00

    CPC分类号： G06Q20/04 ,  G06Q20/12 ,  G06Q20/223 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3227

    摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.