公开(公告)号：US06247644B1

公开(公告)日：2001-06-19

申请号：US09300542

申请日：1999-04-27

申请人： Samuel Norman Horne ,  George Doan Indorf ,  Samuel Keith Bowman, Jr. ,  Danny Wayne Carr

发明人： Samuel Norman Horne ,  George Doan Indorf ,  Samuel Keith Bowman, Jr. ,  Danny Wayne Carr

IPC分类号： G06K0500

CPC分类号： G07F7/005 ,  H04L29/06 ,  H04L67/02 ,  H04L69/329

摘要： The smart card drive of the present invention includes a smart card device having a microprocessor and a smart card adapter serially connected to a local, dedicated modular computer circuit having a network interface circuit. The combination of these components creates a smart card drive that is able to initiate a network connection and communicate with any peer node in a local area network also equipped with a network interface circuit and network listening software.

摘要翻译： 本发明的智能卡驱动器包括具有微处理器和串行连接到具有网络接口电路的本地专用模块化计算机电路的智能卡适配器的智能卡装置。 这些组件的组合创建了智能卡驱动器，其能够发起网络连接并与也配备有网络接口电路和网络监听软件的局域网中的任何对等节点进行通信。

公开(公告)号：US06520409B1

公开(公告)日：2003-02-18

申请号：US09561966

申请日：2000-05-01

申请人： Masakatsu Mori ,  Nariyasu Hamada ,  Makoto Kayashima

发明人： Masakatsu Mori ,  Nariyasu Hamada ,  Makoto Kayashima

IPC分类号： G06K0500

CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q40/00 ,  G06Q40/04

摘要： A server system has stored therein a plurality of electronic transaction procedures corresponding to elements or combinations thereof including means of payment settlement of a purchased commodity, amount of deal, contents of the purchased commodity, financial institutions for making the settlement and so on. The server system selects one of the electronic transaction procedures corresponding to elements or a combination thereof, including means of payment settlement of a commodity to be purchased when a purchase-side client system requests a seller to sell the commodity. The electronic transaction procedure is distributed to the offer-side client, the purchase-side client and the settlement-side client through a communication network. Each of the offer-side client, the purchase-side client and the settlement-side client executes electronic transaction processes according to the distributed electronic transaction procedure. Either all of the selected electronic transaction procedure is distributed from the server system to the client systems at a time or parts of the electronic transaction procedure are successively distributed to the client systems from the server system.

摘要翻译： 服务器系统在其中存储了多个对应于元件或其组合的电子交易程序，包括购买商品的支付结算手段，交易金额，购买商品的内容，进行结算的金融机构等。 服务器系统选择与元素或其组合相对应的电子交易过程之一，包括当购买方客户端系统请求卖方出售商品时要购买的商品的支付结算方式。 电子交易程序通过通信网络分发给提供方客户端，购买方客户端和结算端客户端。 提供方客户端，购买方客户端和结算端客户端根据分布式电子交易流程执行电子交易流程。 所选择的所有电子交易过程都是从服务器系统一次性地分发到客户端系统，或者电子交易过程的一部分从服务器系统连续地分发给客户端系统。

公开(公告)号：US06412690B1

公开(公告)日：2002-07-02

申请号：US09544240

申请日：2000-04-07

申请人： Abdo Malki

发明人： Abdo Malki

IPC分类号： G06K0500

CPC分类号： G07F7/10 ,  G06Q20/206 ,  G06Q20/342 ,  G06Q20/3558 ,  G07F7/025 ,  G07F7/08 ,  G07F7/0833 ,  G07F7/1008 ,  G07F7/12

摘要： In the present credit card security method, a credit card company requests a person applying for a credit card account to submit a name and a birth month. The credit card company associates a credit card with essential information, prints the credit card, and issues the credit card to the person. The essential information comprises an account number, the person's name, and an expiration date comprising an expiration month and an expiration year. The expiration month is the birth month of the person. The credit card is printed with the account number, name, and expiration year, but not the expiration month. The credit card company still requires the correct expiration month to be submitted before authorizing a credit card transaction. The cardholder can verbally provide the expiration month to a sales clerk in a telephone or point-of-sale transaction, and can personally enter it into a computer in an Internet transaction. An unauthorized user with possession of the credit card cannot acquire the expiration date and therefore cannot complete a transaction. In a second embodiment, a beginning date is also associated with the card to define a valid period in combination with the expiration date. The beginning year is shown on the card with the expiration year, but the beginning month is not shown. The beginning month is also the cardholder's birth month.

摘要翻译： 在本信用卡安全方法中，信用卡公司要求申请信用卡账户的人提交姓名和出生月份。 信用卡公司将信用卡与基本信息相关联，打印信用卡，并向该人发卡。 基本信息包括帐号，个人姓名和包括到期月份和到期年份的到期日。 到期月份是该人的出生月份。 信用卡打印有帐号，姓名和到期年份，但不是到期月份。 在授权信用卡交易之前，信用卡公司仍然要求提交正确的到期月份。 持卡人可以向电话或销售点交易中的销售员口头提供到期月份，并可亲自将其输入计算机进行互联网交易。 拥有信用卡的未经授权的用户无法获得到期日，因此无法完成交易。 在第二实施例中，开始日期也与卡相关联以定义与有效期结合的有效期。 初始年份显示在卡上，具有到期年份，但是初始月份未显示。 开始月份也是持卡人的出生月份。