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    Method for generating customer secure card numbers subject to use restrictions by an electronic card
    1.
    发明授权
    Method for generating customer secure card numbers subject to use restrictions by an electronic card 有权
    根据电子卡的使用限制产生客户安全卡号的方法

    公开(公告)号：US06805288B2

    公开(公告)日：2004-10-19

    申请号：US09960714

    申请日：2001-09-21

    申请人： Larry Routhenstein ,  Roy L. Anderson ,  William R. Bryant ,  Jacob Y. Wong

    发明人： Larry Routhenstein ,  Roy L. Anderson ,  William R. Bryant ,  Jacob Y. Wong

    IPC分类号： G06K500

    CPC分类号： G06K19/06206 ,  G06K19/06196 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/206 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3576 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/4093 ,  G07F7/1008

    摘要： A method for providing secure transactions generates a Secure Card Number (“SCN”) for a first entity that is transferred with a first entity identifier to a second entity and then to a money source that verifies that the transaction is valid by use of the first entity identifier and the SCN. The SCN includes a Transaction Information Block (“TIB”) used for invoking one or more restrictions on use of the SCN, a Counter Block, and an encrypted Personal Identification Number (“PIN”) Block. The SCN is transferred to the money source in an account number or a non-account data field. The TIB can be used by the money source to determine which of multiple account numbers associated with the first entity should be used for the first transaction. The money source can also use the TIB to determine whether the device which generated the SCN has a changed status condition, such as a low battery condition or an invalid user entry status. The low battery condition may be determined either by a diagnostic program or by an empirical record of the number of transactions presented for authorization.

    摘要翻译： 一种用于提供安全交易的方法为第一实体产生一个安全卡号（“SCN”），该第一实体用第一实体标识符传送给第二实体，然后通过使用第一实体验证交易是有效的货币来源 实体标识符和SCN。 SCN包括用于调用对SCN的使用的一个或多个限制的事务信息块（“TIB”），计数器块和加密的个人识别码（“PIN”）块。 将SCN转移到货币来源，帐号或非帐户数据字段。 货币来源可以使用TIB来确定与第一实体相关联的多个帐号中的哪一个应该用于第一个交易。 钱源还可以使用TIB来确定生成SCN的设备是否具有改变的状态条件，例如电池电量不足或无效的用户输入状态。 电池电量不足的情况可以通过诊断程序或通过授权授权交易次数的实证记录来确定。

    Methods for Providing Secure Transactions
    2.
    发明申请
    Methods for Providing Secure Transactions 审中-公开
    提供安全事务的方法

    公开(公告)号：US20120317037A1

    公开(公告)日：2012-12-13

    申请号：US13528062

    申请日：2012-06-20

    申请人： Larry Routhenstein ,  Roy L. Anderson ,  Jacob Y. Wong

    发明人： Larry Routhenstein ,  Roy L. Anderson ,  Jacob Y. Wong

    IPC分类号： G06Q20/40

    CPC分类号： G06K19/06206 ,  G06K19/06196 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/206 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3576 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/4093 ,  G07F7/1008

    摘要： Methods in which an encrypted transaction validation code is received which positively identifies a first transaction for a first entity, the first entity having a first entity identifier, and the first transaction is electronically verified as being valid by use of the first entity identifier and the validation code. The first entity identifier can be transferred as an account number and the validation code transferred to the money source in a non-account data field. A money source can validate the validation code by duplicating the encryption process used to create the validation code and by then comparing the result to the validation code received. The validation code can be, at least in part, encrypted, and a money source can validate the validation code by duplicating a validation code encryption process and by then comparing the result to the validation code received.

    摘要翻译： 接收加密的交易确认代码的方法，该代码确定地标识第一实体的第一交易，具有第一实体标识符的第一实体和第一交易通过使用第一实体标识符和验证被电子地验证为有效 码。 可以将第一个实体标识符作为帐号传输，并将验证码转移到非帐户数据字段中的货币来源。 资金来源可以通过复制用于创建验证码的加密过程，然后将结果与收到的验证码进行比较来验证验证码。 验证码可以至少部分地被加密，并且钱源可以通过复制验证代码加密过程并且然后将结果与接收到的验证码进行比较来验证验证码。

    Electronic Card
    3.
    发明申请
    Electronic Card 审中-公开
    电子卡

    公开(公告)号：US20140231527A1

    公开(公告)日：2014-08-21

    申请号：US14188491

    申请日：2014-02-24

    申请人： Roy L. Anderson ,  Jacob Y. Wong ,  Larry Routhenstein

    发明人： Roy L. Anderson ,  Jacob Y. Wong ,  Larry Routhenstein

    IPC分类号： G06K19/06

    CPC分类号： G06K19/06206 ,  G06K19/06196 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/206 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3576 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/4093 ,  G07F7/1008

    摘要： An electronic card has a power source, a user selection mechanism operable to allow a user to select a customization variable for a single transaction, a processor for generating a transaction specific data packet that includes a card number and a customized number and an electronic communication device operable to cause the data packet to be read by a read head of a magnetic strip reader. The electronic communication device is operable to dynamically convey the transaction specific data packet to a read head of a magnetic card reader so that the transaction specific data packet is read by the read head. The transaction specific data packet is dynamically generated for use by the card for the single transaction of the card and the customized number is determined based upon the customization variable selected by the user selection mechanism.

    摘要翻译： 电子卡具有电源，用户选择机构，其可操作以允许用户为单个交易选择定制变量;处理器，用于生成包括卡号和定制号码的交易特定数据分组，以及电子通信设备 可操作以使数据包由磁条读取器的读取头读取。 电子通信设备可操作以将交易特定数据分组动态地传送到磁卡阅读器的读头，以便由读头读取交易特定数据分组。 动态地生成交易特定数据包以供卡用于卡的单个交易，并且基于由用户选择机制选择的定制变量来确定定制号码。

    Electronic Card
    5.
    发明申请
    Electronic Card 有权
    电子卡

    公开(公告)号：US20120205443A1

    公开(公告)日：2012-08-16

    申请号：US13438710

    申请日：2012-04-03

    申请人： Larry Routhenstein ,  Roy L. Anderson ,  Jacob Y. Wong

    发明人： Larry Routhenstein ,  Roy L. Anderson ,  Jacob Y. Wong

    IPC分类号： G06K5/00

    CPC分类号： G06K19/06206 ,  G06K19/06196 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/206 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3576 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/4093 ,  G07F7/1008

    摘要： An electronic card ha a power source, a user selection mechanism operable to allow a user to select a customization variable for a single transaction, a processor for generating a transaction specific data packet that includes a card number and a customized number and an electronic communication device operable to cause the data packet to be read by a read head of a magnetic strip reader. The electronic communication device is operable to dynamically convey the transaction specific data packet to a read head of a magnetic card reader so that the transaction specific data packet is read by the read head. The transaction specific data packet is dynamically generated for use by the card for the single transaction of the card and the customized number is determined based upon the customization variable selected by the user selection mechanism.

    摘要翻译： 一种具有电源的电子卡，用于允许用户选择用于单个交易的定制变量的用户选择机构，用于生成包括卡号和定制号码的交易特定数据分组的处理器和电子通信设备 可操作以使数据包由磁条读取器的读取头读取。 电子通信设备可操作以将交易特定数据分组动态地传送到磁卡阅读器的读头，以便由读头读取交易特定数据分组。 动态地生成交易特定数据包以供卡用于卡的单个交易，并且基于由用户选择机制选择的定制变量来确定定制号码。

    Method for storing data in payment card transaction
    7.
    发明授权
    Method for storing data in payment card transaction 有权
    用于在支付卡交易中存储数据的方法

    公开(公告)号：US06755341B1

    公开(公告)日：2004-06-29

    申请号：US09667039

    申请日：2000-09-21

    申请人： Jacob Y. Wong ,  Roy L. Anderson

    发明人： Jacob Y. Wong ,  Roy L. Anderson

    IPC分类号： G06K500

    CPC分类号： G07F7/1008 ,  G06K19/06196 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3576 ,  G06Q20/4093

    摘要： A data packet can be dynamically stored in a magnetic strip by an encoder of an electronic card and subsequently transferred to a money source after it is read by a standard magnetic stripe reader as part of a verification process of a payment card transaction. A computer contained on the electronic card can run diagnostic tests and send the results to the money source as part of the data packet. One diagnostic test monitors the battery life of the electronic card to permit the money source to replace the electronic card before its battery runs out of useful life. The data packet can also contain data input into the electronic card by the user, such as a customization variable.

    摘要翻译： 数据包可以由电子卡的编码器动态地存储在磁条中，并且随后在作为支付卡交易的验证过程的一部分被标准磁条读取器读取之后被转移到货币源。 包含在电子卡上的电脑可以运行诊断测试，并将结果作为数据包的一部分发送到货币来源。 一个诊断测试监测电子卡的电池寿命，以便在电池电量耗尽使用寿命之前允许钱源更换电子卡。 数据包还可以包含用户输入到电子卡的数据，例如定制变量。

    Anonymous electronic card for generating personal coupons useful in commercial and security transactions
    8.
    发明授权
    Anonymous electronic card for generating personal coupons useful in commercial and security transactions 有权
    用于生成在商业和安全交易中有用的个人优惠券的匿名电子卡

    公开(公告)号：US06592044B1

    公开(公告)日：2003-07-15

    申请号：US09571707

    申请日：2000-05-15

    申请人： Jacob Y. Wong ,  Roy L. Anderson

    发明人： Jacob Y. Wong ,  Roy L. Anderson

    IPC分类号： G06K1906

    CPC分类号： G07F7/1008 ,  G06K19/06196 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3576 ,  G06Q20/4093

    摘要： An electronic card that can function as an anonymous credit card or banking card for use on or off the Internet utilizes a magnetic storage medium affixed to the card that can be read by a standard magnetic stripe reader. An encoder generates a data packet that is stored in a designated portion of the magnetic storage medium, which can be a magnetic stripe. The data packet can contain a personal coupon and an alias. A computer or microprocessor generates the personal coupon after a Personal Identification Number is input into the card.

    摘要翻译： 可用作互联网或互联网上使用的匿名信用卡或银行卡的电子卡片使用固定在卡上的磁性存储介质，该存储介质可由标准磁条阅读器读取。 编码器生成存储在可以是磁条的磁存储介质的指定部分中的数据分组。 数据包可以包含个人优惠券和别名。 个人识别号码输入到卡后，计算机或微处理器会生成个人优惠券。

    Verified receipt, notification, and theft deterrence of courier-delivered parcels
    9.
    发明授权
    Verified receipt, notification, and theft deterrence of courier-delivered parcels 失效
    快递包裹的验收收据，通知和盗窃威慑

    公开(公告)号：US06356196B1

    公开(公告)日：2002-03-12

    申请号：US09676399

    申请日：2000-09-29

    申请人： Jacob Y. Wong ,  Roy L. Anderson

    发明人： Jacob Y. Wong ,  Roy L. Anderson

    IPC分类号： G08B1314

    CPC分类号： G08B21/0216 ,  G08B13/1427 ,  G08B13/1436 ,  G08B13/1472 ,  G08B21/0286 ,  G08B21/0288

    摘要： The System includes an Alarm Unit and a separate Alert Unit. The Alarm Unit is securely affixed to the parcel before the parcel is left at the delivery site, and the Alert Unit is placed at a secure site that is within radio range of the delivery site. The Alarm Unit is armed by the deliveryman upon depositing the parcel at the delivery site, and arming of the Alarm Unit results in the transmission of messages verifying to the seller or delivery agent that delivery has taken place and notifying the purchaser or intended recipient that the parcel has arrived. Movement of the parcel after it has been deposited at the delivery site and has been armed results in messages being transmitted to the shipping agent and to the intended recipient announcing that the parcel has been stolen. Such unauthorized movement of the parcel also activates a very loud audible alarm affixed to the parcel and activates a tracking beacon in or on the parcel, permitting the whereabouts of the parcel to be determined or tracked. The intended recipient of the parcel, after being notified of its delivery can disarm the Alarm Unit by inserting a secret number into a keypad on the Alarm Unit and then pressing a disarm button. Upon being disarmed, the Alarm Unit generates a signal that causes the Alert Unit to notify the seller and the delivery agent that an authorized person has taken possession of the parcel, thereby verifying receipt.

    摘要翻译： 该系统包括一个报警单元和一个单独的报警单元。 报警单元在包裹离开交货地点之前，将其牢固地固定在包裹上，并将报警单元放置在交货地点无线电范围内的安全地点。 报警单元由交货人在交付地点存放包裹后装备，并且布防报警单元导致验证向卖方或交货代理发送交货的消息的传送，并通知买方或预期收货人 包裹到了。 包裹运送到运送地点并已经装备后，运送的信息会将邮件传送给运输代理人和预定的接收人，宣布该包裹已被盗。 包裹的这种未经授权的动作还激活附加到包裹上的非常大的声音警报，并在包裹中或包裹上激活跟踪信标，允许确定或跟踪包裹的下落。 包裹的预定收件人在收到通知后，可以通过将报警单元插入报警单元上的小键盘然后按下撤防按钮来撤防报警单元。 报警单元被撤防后，产生一个信号，使警报单元通知卖方和交货代理人，授权人已经拥有包裹，从而验证收据。

    Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions
    10.
    发明授权
    Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions 有权
    用于允许用户定制使用为多个交易生成不同支付卡号码的支付卡的方法

    公开(公告)号：US06609654B1

    公开(公告)日：2003-08-26

    申请号：US09667161

    申请日：2000-09-21

    申请人： Roy L. Anderson ,  William R. Bryant, Jr. ,  Jacob Y. Wong

    发明人： Roy L. Anderson ,  William R. Bryant, Jr. ,  Jacob Y. Wong

    IPC分类号： G06F1760

    CPC分类号： G06K19/06196 ,  G06Q20/10 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3576 ,  G06Q20/4093 ,  G07F7/1008

    摘要： A user can customize use of a payment card, which can be an electronic card, by selecting either a first or a second user key as a selected user key. The selected user key is entered into a card number generator that uses it and a user sequence number to generate a user payment card number that differs for each transaction through use of an algorithm. Multiple payment card transactions can be handled differently depending upon which user key is chosen as the selected user key. Different user keys can be used for different accounts, different types of transactions, or to classify the transactions. A user can receive one bill, or multiple bills. Different levels of privacy can be accorded to transactions that use different user keys. A user may pay the issuer for increased security, or the user may be paid by the issuer to allow transaction data to be distributed to third parties.

    摘要翻译： 用户可以通过选择第一或第二用户密钥作为所选用户密钥来定制使用可以是电子卡的支付卡。 所选择的用户密钥被输入到使用它的卡号生成器和用户序列号以生成通过使用算法对于每个事务而不同的用户支付卡号。 可以根据选择哪个用户密钥作为所选择的用户密钥来不同地处理多个支付卡交易。 不同的用户密钥可用于不同的帐户，不同类型的交易，或者对交易进行分类。 用户可以收到一张单据，或多张单据。 可以对使用不同用户密钥的事务给予不同级别的隐私。 用户可以向发行者支付增加的安全性，或者用户可以由发行者支付以允许将交易数据分发给第三方。