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    Adaptor for magnetic stripe card reader
    3.
    发明授权
    Adaptor for magnetic stripe card reader 有权
    磁条读卡器适配器

    公开(公告)号：US07252232B2

    公开(公告)日：2007-08-07

    申请号：US11355356

    申请日：2006-02-15

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

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

    Mobile Transaction Methods and Devices With Three-Dimensional Colorgram Tokens
    6.
    发明申请
    Mobile Transaction Methods and Devices With Three-Dimensional Colorgram Tokens 失效
    具有三维彩色图像令牌的移动交易方法和设备

    公开(公告)号：US20120311320A1

    公开(公告)日：2012-12-06

    申请号：US13151397

    申请日：2011-06-02

    申请人： Kerry D. Brown ,  Michael Keith Bond ,  Ronald P. Knapp ,  Peter Landrock

    发明人： Kerry D. Brown ,  Michael Keith Bond ,  Ronald P. Knapp ,  Peter Landrock

    IPC分类号： H04L9/32

    CPC分类号： G06Q20/3274 ,  G06Q20/4014 ,  G06Q20/40975 ,  H04L9/0894 ,  H04L9/3226 ,  H04L9/3278 ,  H04L2209/56 ,  H04L2209/80 ,  H04W12/02 ,  H04W12/04 ,  H04W12/06

    摘要： A transaction security process includes authentication and identification parts for pushing an encrypted colorgram for user authentication and persona descriptors for user identification from a transaction server to a first personal trusted device. A decryption of the colorgram is displayed on the first personal trusted device. An image is captured by a second personal trusted device. An encryption of the image captured from the second personal trusted device is uploaded to the transaction server. The persona descriptors are used to build a composite rendering for identification of the first user to the second user. The second user clicks “OK” if they recognize the composite drawing as a reasonable persona of the first user.

    摘要翻译： 交易安全过程包括用于将用于用户认证的加密彩色图片和用于用户标识的个人描述符从交易服务器推送到第一个人信任设备的认证和识别部件。 彩色图案的解密显示在第一个人信任的设备上。 图像由第二个个人信任的设备捕获。 将从第二个人信任设备捕获的图像的加密上传到事务服务器。 角色描述符用于构建用于向第二用户识别第一用户的复合呈现。 如果第二个用户将复合图形识别为第一个用户的合理角色，则单击确定。

    MAGNETIC EMISSIVE USE OF PRELOADED SECRET-KEY ENCRYPTED USE-ONCE PAYMENT CARD ACCOUNT NUMBERS
    7.
    发明申请
    MAGNETIC EMISSIVE USE OF PRELOADED SECRET-KEY ENCRYPTED USE-ONCE PAYMENT CARD ACCOUNT NUMBERS 有权
    磁性密集使用预先密封的密钥使用一次性付款卡帐号

    公开(公告)号：US20110240745A1

    公开(公告)日：2011-10-06

    申请号：US12752390

    申请日：2010-04-01

    申请人： Kerry D. Brown

    发明人： Kerry D. Brown

    IPC分类号： G06K19/06

    CPC分类号： G06Q20/385 ,  G06K19/06206 ,  G06Q20/202 ,  G06Q20/325 ,  G06Q20/327 ,  G06Q20/34 ,  G06Q20/347 ,  G06Q20/352 ,  G06Q20/3829 ,  G06Q20/409 ,  G06Q2220/00 ,  G07F7/084 ,  G07F7/0886

    摘要： A thin-client access card has a card body with partial or fully emissive magnetic data tracks. An emissive element is disposed in the card body under the location of the legacy magnetic data tracks. An electronic signal conditioner converts audio signals from a mobile device into magnetic data applied to the emissive element. A swipe sensor detects when the thin-client access card is being swiped by a legacy card reader, and triggers an output of magnetic data from the emissive element while proximal to the POS reader head. A cable attaches the thin-client access card as a peripheral to the mobile device with an audio output jack.

    摘要翻译： 瘦客户端访问卡具有具有部分或完全发射的磁数据轨道的卡体。 发光元件设置在传统磁数据轨道位置下的卡体内。 电子信号调节器将来自移动设备的音频信号转换为应用于发射元件的磁数据。 滑动传感器检测瘦客户端访问卡何时由传统读卡器擦除，并且在靠近POS读取头的同时触发来自发射元件的磁数据的输出。 电缆使用音频输出插孔将瘦客户端接入卡作为外设连接到移动设备。

    Financial transactions with dynamic personal account numbers
    8.
    发明授权
    Financial transactions with dynamic personal account numbers 有权
    具有动态个人账号的金融交易

    公开(公告)号：US07580898B2

    公开(公告)日：2009-08-25

    申请号：US11618813

    申请日：2006-12-30

    申请人： Kerry D. Brown ,  David Kevin Pariseau

    发明人： Kerry D. Brown ,  David Kevin Pariseau

    IPC分类号： G06F17/60

    CPC分类号： G07F7/1008 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/367 ,  G06Q20/385 ,  G06Q20/401 ,  G07F7/08 ,  G07F7/1083 ,  G07F7/12

    摘要： A method for securing financial transactions involving payment cards includes associating a sixteen-digit personal account number (PAN) with a particular payment card and user, wherein are included fields for a system number, a bank/product number, a user account number, and a check digit. A four-digit expiration date (MMYY) associated with the PAN. A magnetic stripe on the payment card is encoded with the PAN for periodic reading by a magnetic card reader during a financial transaction. A table of cryptographic values associated with the PAN and the MMYY is stored on each user's payment card during personalization by an issuing bank. A next financial transaction being commenced with the payment card is sensed. A cryptographic value from the table of cryptographic values is selected for inclusion as a dynamic portion of the user account number with the PAN when a next financial transaction is sensed. Any cryptographic value from the table of cryptographic values will not be used again in another financial transaction after being used once. The issuing bank authorizes the next financial transaction only if the PAN includes a correct cryptographic value in the user account number field.

    摘要翻译： 用于确保涉及支付卡的金融交易的方法包括将十六位数个人帐号（PAN）与特定支付卡和用户相关联，其中包括用于系统号，银行/商品号，用户帐号和 一个校验位。 与PAN相关联的四位数到期日（MMYY）。 支付卡上的磁条用PAN编码，以便在金融交易期间由磁卡读卡器定期读取。 在发卡行个人化期间，与PAN和MMYY相关联的加密值的表存储在每个用户的支付卡上。 检测到与付款卡开始的下一笔金融交易。 当检测到下一个金融交易时，选择加密值表中的加密值作为用户帐号的动态部分包含在PAN中。 使用一次后，加密值表中的任何加密值将不再被再次用于另一个金融交易。 仅当PAN在用户帐号字段中包含正确的加密值时，开证行才授权下一笔金融交易。

    PAYMENT CARD FINANCIAL VALIDATION PROCESSING CENTER
    10.
    发明申请
    PAYMENT CARD FINANCIAL VALIDATION PROCESSING CENTER 失效
    付款卡金融验证处理中心

    公开(公告)号：US20080319901A1

    公开(公告)日：2008-12-25

    申请号：US11875862

    申请日：2007-10-20

    申请人： Kerry D. Brown

    发明人： Kerry D. Brown

    IPC分类号： G06Q40/00

    CPC分类号： G07F7/10 ,  G06Q20/105 ,  G06Q20/3672 ,  G06Q20/385

    摘要： A method for validating a payment card financial transaction includes receiving a financial transaction approval request message derived from a payment card that is able to change its magnetic card data as elicited by a card reader. Out-of-sequence transactions encoded in a dynamic number included in said magnetic card data are detected. The dynamic number is compared with a last valid number that was previously stored in a database. An approval message is issued to enable the completion of a financial transaction with the payment card.

    摘要翻译： 用于验证支付卡金融交易的方法包括接收从支付卡导出的能够改变由读卡器引出的磁卡数据的金融交易批准请求消息。 检测以包含在所述磁卡数据中的动态数字编码的乱序事务。 将动态编号与先前存储在数据库中的最后一个有效数进行比较。 发出批准信息以使支付卡能够完成金融交易。