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。

公开(公告)号：US08191772B2

公开(公告)日：2012-06-05

申请号：US10968399

申请日：2004-10-18

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

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

IPC分类号： G06K5/00 ,  G06F17/00

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： Multiple secure transactions are provided through use of a method that uses customer one-time unique purchase order numbers (“Coupons”) generated by an algorithm that uses a permutated user key and a user insertion key as input variables. A user key (such as a Personal Identification Number, or “PIN”) is combined with a permutation variable that is correlated with a customer sequence number to create the permutated user key. A random number generator is used to generate the user insertion key correlated with the customer sequence number. The algorithm can insert the permutated user key into a user account number through use of the user insertion key. A Coupon is validated by confirming that it is contained in a set of money source Coupons generated by a money source using the user key and a random number generator that is synchronized with the random number used to generate Coupons. Once a Coupon is validated, the matching money source Coupon and all earlier generated money source Coupons are deleted from the set, and a new set is generated. If a preselected number of Coupons are not validated for a chosen entity, an invalid user account number will be set. Coupons can be used for credit card or bank card transactions, and they can be generated without changing fixed digits of traditional twenty digit account numbers.

摘要翻译： 通过使用使用由使用排列的用户密钥和用户插入密钥作为输入变量的算法生成的客户一次性唯一采购订单号（“优惠券”）的方法来提供多个安全交易。 用户密钥（例如个人识别码或“PIN”）与与客户序列号相关联的置换变量组合以创建排列的用户密钥。 随机数生成器用于生成与客户序列号相关的用户插入密钥。 该算法可以通过使用用户插入密钥将置换的用户密钥插入用户帐号。 优惠券通过确认其包含在一组货币来源中，通过使用用户密钥的资金来源生成的优惠券和与用于生成优惠券的随机数同步的随机数生成器进行验证。 一旦优惠券被验证，匹配的货币来源优惠券和所有早期生成的货币来源优惠券将从该集合中删除，并生成一个新的集合。 如果预先选定的优惠券数量未被选定的实体验证，则将设置无效的用户帐号。 优惠券可用于信用卡或银行卡交易，可以在不改变传统二十位帐号的固定数字的情况下生成。