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    ELECTRONIC-MONETARY SYSTEM
    41.
    发明申请
    ELECTRONIC-MONETARY SYSTEM 审中-公开
    电子货币系统

    公开(公告)号：WO1993010503A1

    公开(公告)日：1993-05-27

    申请号：PCT/US1992009732

    申请日：1992-11-12

    Applicant: CITIBANK, N.A.

    Inventor： CITIBANK, N.A. ,  ROSEN, Sholom, S.

    IPC: G06F15/30

    CPC classification number: G07F7/1008 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/26 ,  G06Q20/29 ,  G06Q20/341 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/3676 ,  G06Q20/3678 ,  G06Q20/381 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02 ,  G07F7/082 ,  G07F19/211

    Abstract: A monetary system using electronic media (11) to exchange economic value securely and reliably. The invention provides a complete monetary system having electronic money that is interchangeable with conventional paper money comprising: (I) issuing banks (1) or financial institutions that are coupled to a money generator device (6) for generating and issuing to subscribing customers electronic currency backed by demand deposits and electronic credit authorizations; (II) correspondent banks (2) that accept and distribute the electronic money; (III) a plurality of transaction devices (4) that are used by subscribers for storing electronic money, for performing money transactions with the on-line systems of the participating banks or for exchanging electronic money off-line with other like transaction devices; (IV) teller devices (5), associated with the issuing (1) and correspondent banks (2), for process handling and interfacing the transaction devices (4) to the issuing (1) and correspondent banks (2), and for interfacing between the issuing (1) and correspondent banks (2) themselves; (V) a security arrangement (21) for maintaining the integrity of the system; and (VI) reconciliation (22, 23) and clearing processes (13) to monitor and balance the motenary system.

    Abstract translation: 使用电子媒体（11）的货币体系可靠，可靠地交换经济价值。 本发明提供了一种完整的货币系统，其具有与常规纸币可互换的电子货币，其包括：（I）发行银行（1）或耦合到货币发生器装置（6）的金融机构，用于生成和发行订阅客户电子货币 由活期存款和电子信贷授权支持; （二）接受和分发电子货币的代理银行（2） （III）多个交易装置（4），用于存储电子货币，用于与参与银行的在线系统进行货币交易或与其他类似的交易装置离线交换电子货币; （4）与发行（1）和代理行（2）相关联的（IV）出纳设备（5），用于处理处理和交易设备（4）与发行（1）和代理银行（2）的接口以及接口 发行（1）和代理行（2）之间; （V）用于维持系统完整性的安全装置（21）; 和（六）和解（22,23）和结算程序（13），以监督和平衡机构制度。

    DATA SECURITY DEVICE
    43.
    发明申请
    DATA SECURITY DEVICE 审中-公开
    数据安全设备

    公开(公告)号：WO1984004614A1

    公开(公告)日：1984-11-22

    申请号：PCT/GB1984000162

    申请日：1984-05-14

    Applicant: GALE, Ira, Dennis ,  SHAIN, Michael

    IPC: G06F13/00

    CPC classification number: G07F7/1008 ,  G06F21/79 ,  G06F21/87 ,  G06F2221/2143 ,  G06K19/073 ,  G06K19/07372 ,  G06Q20/341 ,  G06Q20/40975 ,  G07F7/082

    Abstract: A security device for use in a computer based system includes volatile data storage means storing an encryption key and data processing means in a closed container. The power supply necessary to operate the storage means is conveyed by a conductor winding over the entire inside surface of the container so that breaking into the container causes interruption of the supply and destruction of the stored data. The data processing means uses the key for encryption and decryption but prevents access to the key itself. The key is entered and stored in the storage means after assembly either using additional conductors later removed or destroyed or by means of an initial program of the processing means which later cannot be run.

    SYSTEM AND METHOD FOR FINANCIAL TRANSACTIONS USING BINARY CODED DECIMAL (BCD) BANK CARD
    44.
    发明申请
    SYSTEM AND METHOD FOR FINANCIAL TRANSACTIONS USING BINARY CODED DECIMAL (BCD) BANK CARD 审中-公开

    公开(公告)号：WO2019049040A1

    公开(公告)日：2019-03-14

    申请号：PCT/IB2018/056772

    申请日：2018-09-05

    Applicant: SWARNA KUMARI, Adari

    Inventor： SWARNA KUMARI, Adari

    IPC: G06Q20/20 ,  G06Q20/30

    CPC classification number: G06Q20/18 ,  G06Q20/34 ,  G06Q20/341 ,  G07F7/082 ,  G07F7/0833

    Abstract: The present disclosure provides a binary coded decimal bank card (ATM card/credit card/debit card) and a multi-featured ATM machine which supports the binary coded decimal bank card with enhanced security method to perform financial transaction. The bank card includes at least one connector grid embedded in the card, at least one binary coded decimal embedded in the card, and at least one alias number embossed on the card. The binary coded decimal bank card is advanced binary coded decimal bank card having a connector grid and binary coded decimal to increase high security levels of the bank card. Further, such new bank card is utilized in new type of proposed ATM/POS machines having a capability to read/scan/support the binary coded decimal bank card with enhanced security method to perform financial transaction.

    SECURE DIAMOND SMART CARDS AND EXCHANGE SYSTEMS THEREFOR
    45.
    发明申请
    SECURE DIAMOND SMART CARDS AND EXCHANGE SYSTEMS THEREFOR 审中-公开
    安全钻石智能卡及其交换系统

    公开(公告)号：WO2015126697A3

    公开(公告)日：2015-12-10

    申请号：PCT/US2015015400

    申请日：2015-02-11

    Applicant: SECURED WORLDWIDE LLC

    Inventor： KINNEY CORMAC L ,  LIPTON A JOSEPH ,  PLOURDE JAY C

    IPC: G06K1/00 ,  A45C11/16 ,  B65D75/22

    CPC classification number: A45C11/16 ,  B42D25/21 ,  B42D25/305 ,  B65D2211/00 ,  G06F21/30 ,  G06K19/0723 ,  G06Q20/02 ,  G06Q20/346 ,  G06Q20/3552 ,  G06Q20/357 ,  G06Q20/4097 ,  G06Q30/00 ,  G06Q30/06 ,  G07F7/082

    Abstract: A tamperproof diamond package comprises a package body; at least one chip embedded in the package body and at least one antenna configured to enable communication with the chip; anti-counterfeiting visual impressions on the package body; a diamond pouch formed at a predetermined section within the package body; and one or more diamonds located inside the diamond pouch and an outer covering encasing the package body and configured to reveal any tampering with the one or more diamonds located in the diamond pouch. The diamond package can be credit card shaped and also contains serial number and website information and be provided in nominal dollar values. An associated diamond exchange system utilizes the diamond packages and provides a registration server which stores unique identifying information that enable interrogating the individual diamond packages and checking their authenticity with the registration server.

    Abstract translation: 防篡改金刚石包装包括包装体; 至少一个嵌入在所述封装主体中的芯片和配置成能够与所述芯片通信的至少一个天线; 防伪包装身上的视觉印象; 形成在所述包装体内的预定部分处的金刚石袋; 以及位于金刚石袋内的一个或多个钻石和包围该包装主体的外罩，并且被配置成暴露对位于金刚石袋中的一个或多个钻石的任何篡改。 钻石包可以是信用卡形状，还包含序列号和网站信息，并以名义美元价值提供。 相关联的钻石交换系统利用钻石包，并提供一个注册服务器，该服务器存储唯一的识别信息，使得能够询问单独的钻石包并且与注册服务器检查其真实性。

    SECURE DIAMOND SMART CARDS AND EXCHANGE SYSTEMS THEREFOR
    46.
    发明申请
    SECURE DIAMOND SMART CARDS AND EXCHANGE SYSTEMS THEREFOR 审中-公开
    安全钻石智能卡和交换系统

    公开(公告)号：WO2015126697A2

    公开(公告)日：2015-08-27

    申请号：PCT/US2015/015400

    申请日：2015-02-11

    Applicant: SECURED WORLDWIDE, LLC

    Inventor： KINNEY, Cormac, L. ,  LIPTON, A., Joseph ,  PLOURDE, Jay, C.

    IPC: A45C11/16

    CPC classification number: A45C11/16 ,  B42D25/21 ,  B42D25/305 ,  B65D2211/00 ,  G06F21/30 ,  G06K19/0723 ,  G06Q20/02 ,  G06Q20/346 ,  G06Q20/3552 ,  G06Q20/357 ,  G06Q20/4097 ,  G06Q30/00 ,  G06Q30/06 ,  G07F7/082

    Abstract: A tamperproof diamond package comprises a package body; at least one chip embedded in the package body and at least one antenna configured to enable communication with the chip; anti-counterfeiting visual impressions on the package body; a diamond pouch formed at a predetermined section within the package body; and one or more diamonds located inside the diamond pouch and an outer covering encasing the package body and configured to reveal any tampering with the one or more diamonds located in the diamond pouch. The diamond package can be credit card shaped and also contains serial number and website information and be provided in nominal dollar values. An associated diamond exchange system utilizes the diamond packages and provides a registration server which stores unique identifying information that enable interrogating the individual diamond packages and checking their authenticity with the registration server.

    Abstract translation: 防篡改金刚石封装包括封装体; 至少一个嵌入所述封装主体中的芯片以及至少一个天线，所述至少一个天线被配置成能够与所述芯片通信; 包装体上的防伪视觉印象; 在包装体内的预定部分形成的金刚石囊; 以及位于所述钻石袋内的一个或多个钻石以及包裹所述包装体并且被配置成揭示对位于所述钻石袋中的所述一个或多个钻石的任何篡改的外部覆盖物。 钻石包装可以是信用卡形式，也包含序列号和网站信息，并以名义美元价值提供。 一个相关的钻石交换系统利用钻石包并提供一个注册服务器，该服务器存储唯一的识别信息，以便询问个别的钻石包并检查其与注册服务器的真实性。

    PAYMENT APPARATUS AND METHOD
    49.
    发明申请
    PAYMENT APPARATUS AND METHOD 审中-公开
    付款方式及方法

    公开(公告)号：WO2007041098A3

    公开(公告)日：2009-04-30

    申请号：PCT/US2006037474

    申请日：2006-09-26

    Applicant: MASTERCARD INTERNATIONAL INC ,  CUNESCU ALEXANDRU ,  ROBERTS DAVID A ,  BIBBY DAVID

    Inventor： CUNESCU ALEXANDRU ,  ROBERTS DAVID A ,  BIBBY DAVID

    IPC: G06Q20/00 ,  G06Q20/34 ,  G06Q30/06

    CPC classification number: G07F7/1008 ,  G06Q20/00 ,  G06Q20/341 ,  G06Q20/3552 ,  G06Q30/06 ,  G06Q30/0601 ,  G07F7/082

    Abstract: Techniques are provided for updating an offline parameter of a payment device having an online-capable application and a primarily offline application. The offline parameter can be a counter reflective of an offline spending balance. The same parameter can be shared between the applications, or cross-application visibility of the parameter can be provided. When a requirement to update the offline parameter is determined, the offline parameter can be updated substantially contemporaneously with an online transaction. The updates can be transparent to the user, allowing substantial duplication of the debit card and/or credit card experience with an offline payment device.

    Abstract translation: 提供了用于更新具有在线能力应用和主要脱机应用的支付设备的离线参数的技术。 脱机参数可以反映离线支出余额。 可以在应用程序之间共享相同的参数，也可以提供参数的跨应用程序可见性。 当确定更新离线参数的要求时，离线参数可以与在线交易基本同时更新。 这些更新对于用户来说可以是透明的，从而允许用离线支付设备大量重复借记卡和/或信用卡体验。

    METHOD AND DEVICE FOR DETECTING AN ATTEMPT TO SUBSTITUTE AN ORIGINAL CASING PORTION OF AN ELECTRONIC SYSTEM WITH A REPLACEMENT CASING PORTION
    50.
    发明申请
    METHOD AND DEVICE FOR DETECTING AN ATTEMPT TO SUBSTITUTE AN ORIGINAL CASING PORTION OF AN ELECTRONIC SYSTEM WITH A REPLACEMENT CASING PORTION 审中-公开
    用于检测采用替换壳体部分替代电子系统的原始壳体部分的方法和装置

    公开(公告)号：WO2008145942A3

    公开(公告)日：2009-02-12

    申请号：PCT/FR2008050883

    申请日：2008-05-22

    Applicant: SAGEM MONETEL ,  COUSSIEU ALAIN ,  ECK ALAIN

    Inventor： COUSSIEU ALAIN ,  ECK ALAIN

    IPC: H04L9/32 ,  H04L9/08

    CPC classification number: H04L9/3271 ,  G06F21/55 ,  G06F21/86 ,  G06F2221/2129 ,  G06Q20/341 ,  G07F7/082 ,  G07F7/1008 ,  H04L9/0897 ,  H05K5/0208

    Abstract: The invention relates to an electronic system comprising a casing consisting of at least first and second casing portions and containing a device for detecting the substitution of the first casing portion. The device comprises a first integrated circuit intended to be fixed to the first casing portion and a second integrated circuit intended to be fixed to the second casing portion. The second circuit is adapted to transmit to the first integrated circuit successive random or pseudo-random digital signals (R). The first integrated circuit is adapted to return to the second integrated circuit, for each digital signal, a first encrypted signature (S) from said digital signal. The second integrated circuit is adapted to determine a second encrypted signature (S') from said digital signal and to detect a substitution of the first casing portion if the first and second encrypted signatures are different.

    Abstract translation: 本发明涉及一种电子系统，其包括由至少第一和第二壳体部分组成的壳体，并且包含用于检测第一壳体部分的替代的装置。 该装置包括用于固定到第一壳体部分的第一集成电路和旨在固定到第二壳体部分的第二集成电路。 第二电路适于向第一集成电路发送连续的随机或伪随机数字信号（R）。 第一集成电路适于从每个数字信号向所述第二集成电路返回来自所述数字信号的第一加密签名（S）。 第二集成电路适于从所述数字信号确定第二加密签名（S'），并且如果第一和第二加密签名不​​同，则检测第一外壳部分的替换。

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