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    Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions
    1.
    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。

    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。

    Methods for Providing Secure Transactions
    6.
    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。

    Method for implementing anonymous credit card transactions using a fictitious account name
    7.
    发明授权
    Method for implementing anonymous credit card transactions using a fictitious account name 失效
    使用虚构帐户名称实施匿名信用卡交易的方法

    公开(公告)号：US07748616B2

    公开(公告)日：2010-07-06

    申请号：US10968398

    申请日：2004-10-18

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

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

    IPC分类号： G06K5/00 ,  G06Q20/00

    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： A method for implementing an anonymous face to face or Mail Order Telephone Order credit card transaction by a user who has established a user account associated with a fictitious name. The user generates a valid personal charge number by executing an algorithm in a computer affixed to the electronic credit card that uses a user key and a card number as input variables. A merchant is provided with the valid personal charge number and the fictitious name that is submitted for approval to a credit approval center. The electronic credit card is sized such that a standard magnetic stripe reader can read it.

    摘要翻译： 用于建立与虚构名称相关联的用户帐户的用户实现匿名面对面或邮购电话订单信用卡交易的方法。 用户通过在附加到使用用户密钥和卡号作为输入变量的电子信用卡的计算机中执行算法来生成有效的个人收费号码。 向商家提供有效的个人收费号码和提交给信用审批中心批准的虚构名称。 电子信用卡的尺寸使得标准磁条读取器可以读取它。

    System and method for pseudo cash transactions
    8.
    发明授权
    System and method for pseudo cash transactions 失效
    伪现金交易的系统和方法

    公开(公告)号：US5913203A

    公开(公告)日：1999-06-15

    申请号：US720785

    申请日：1996-10-03

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

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

    IPC分类号： G06Q20/06 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G07F7/08 ,  G06F17/60

    CPC分类号： G06Q20/385 ,  G06Q20/06 ,  G06Q20/065 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/29 ,  G06Q20/363 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q30/0615 ,  G06Q40/00 ,  G06Q40/025 ,  G07F7/0866

    摘要： Totally anonymous or effectively anonymous cash-like transactions are accomplished by using a pseudo cash data package converter for inserting a user key into a pseudo cash preliminary data packet through the use of a user insertion key to generate a pseudo cash unit with a fixed monetary value that can be used to purchase goods or services via the Internet. A pseudo cash repository facilitates the cash-like transactions and maintains a record of the pseudo cash units and their fixed monetary value. Depending upon the level of anonymity selected by a purchaser, the pseudo cash repository can either transmit pseudo cash preliminary data packets or pseudo cash units to a first entity. If the first entity loses an effectively anonymous pseudo cash preliminary data packet, it can be replaced by the pseudo cash repository without risk of loss.

    摘要翻译： 通过使用伪现金数据包转换器通过使用用户插入密钥将用户密钥插入到伪现金初始数据包中以产生具有固定货币价值的伪现金单元来完成匿名或有效的匿名现金类交易 可用于通过互联网购买商品或服务。 伪现金储备库促进了类似现金的交易，并保留了伪现金单位及其固定货币价值的记录。 根据购买者选择的匿名级别，伪现金库可以将伪现金初步数据包或伪现金单元发送到第一实体。 如果第一个实体失去有效的匿名伪现金初始数据包，则可以由伪现金库替换，而不会有损失的风险。

    East-west casino based upon chinese poker deck
    9.
    发明授权
    East-west casino based upon chinese poker deck 失效
    东西赌场基于中国扑克牌

    公开(公告)号：US07780170B2

    公开(公告)日：2010-08-24

    申请号：US11484043

    申请日：2006-07-10

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

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

    IPC分类号： A63F1/00

    CPC分类号： G07F17/34 ,  A63F1/00 ,  A63F3/00157 ,  A63F2001/005 ,  A63F2001/0416 ,  A63F2001/0425

    摘要： An East-West casino offers two or more gambling games in which at least one game involves a Feng Shui element of chance and the other involves either a game based upon a new Chinese Poker Deck of cards or a video slot machine having a carousel in which two or more wheels rotate in opposite directions and a random event associated with the two or more wheels is used in connection with a payout or bonus round of the video slot machine. The game involving a Feng Shui element of chance can be a Yin-Yang roulette game or a video slot machine or a Feng Shui keno machine while a game based upon the Chinese Poker Deck may be a poker game and the casino itself may be a website. The video slot machine can use a carousel in which two or more wheels rotating in opposite directions.

    摘要翻译： 东西赌场提供两个或多个赌博游戏，其中至少有一场游戏涉及风水元素的机会，另一个涉及基于新的中国扑克牌的游戏或具有转盘的视频老虎机，其中 两个或更多个轮子沿相反方向旋转，并且与两个或更多个车轮相关联的随机事件与视频插槽机的支付或奖励轮一起使用。 涉及风水元素的游戏可以是阴阳轮盘游戏或视频老虎机或风水基诺机，而基于中国扑克牌的游戏可能是扑克游戏，赌场本身可能是一个网站 。 视频老虎机可以使用两个或更多个车轮沿相反方向旋转的转盘。

    Anonymous merchandise delivery system
    10.
    发明授权
    Anonymous merchandise delivery system 失效
    匿名商品送货系统

    公开(公告)号：US07693798B2

    公开(公告)日：2010-04-06

    申请号：US10968402

    申请日：2004-10-18

    申请人： Roy L. Anderson ,  Joan M. Ziegler ,  Jacob Y. Wong

    发明人： Roy L. Anderson ,  Joan M. Ziegler ,  Jacob Y. Wong

    IPC分类号： G06Q40/00

    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： A method for implementing an anonymous payment card transaction, in either a face-to-face transaction or a MOTO transaction, in which the user is allowed to select an option for anonymous delivery of goods. The option is conveyed to a money source by means of a customization parameter. The customization parameter is used to customize generation of a user one-time payment card number, to customize a user identifier or as a customization variable that is included in a user transaction data packet which includes the user one-time payment card number and the user identifier. A delivery agent can be used to deliver the purchased goods to a delivery location that is not known by the merchant by use of a tracking identifier provided by the money source to the merchant and the delivery agent. After the purchased goods are delivered by the merchant to the delivery agent, they can be delivered to a destination location and held for pick-up, they can be delivered to a second delivery agent, or they can be delivered to a delivery address provided to the delivery agent. A person receiving the goods can prove entitlement to such goods by presentation of a delivery code or a dummy one-time payment card number that can also serve as proof of receipt and by used to trigger a charge for the goods once they have been received.

    摘要翻译： 一种在面对面交易或MOTO交易中实现匿名支付卡交易的方法，其中允许用户选择用于匿名交货的选项。 该选项通过定制参数传送到货币来源。 定制参数用于定制用户一次性支付卡号码的生成，定制用户标识符或定制变量，该变量包括在包括用户一次性支付卡号和用户的用户交易数据分组中 标识符 可以使用传送代理将所购买的商品通过使用由货币源提供给商家和交付代理的跟踪标识符来将所购买的商品交付给商家不知道的交货地点。 购买的商品由商家交付给交货代理商后，可以将其交付到目的地并进行接送，并将其交付给第二交货代理商，或者将其交付给提供给 交货代理。 接收货物的人可以通过提供交货代码或伪造的一次性支付卡号码来证明这些货物的权利，该卡号也可以作为收货凭证，并用于在收到货物后触发货物收费。