公开(公告)号：WO2010097711A2

公开(公告)日：2010-09-02

申请号：PCT/IB2010/001367

申请日：2010-02-10

Applicant: HOMEATM ,  TANG, Tai Kwan, Jimmy ,  LO, Chi, Wah ,  MAGES, Kenneth, G.

Inventor： TANG, Tai Kwan, Jimmy ,  LO, Chi, Wah ,  MAGES, Kenneth, G.

IPC: G06Q30/00

CPC classification number: G06Q20/341 ,  G06K7/0004 ,  G06K7/01 ,  G06K7/082 ,  G06Q20/085 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/327 ,  G06Q20/3272 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/353 ,  G06Q20/409 ,  G06Q20/425 ,  G06Q2220/00 ,  H04L63/0428

Abstract: An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly is provided. The apparatus comprises an input device for capturing information from the transaction card, a controller for converting the captured card information into an audio signal. The controller is linked to the communication device. The apparatus may also be part of an assembly wherein this controller is part of the communication device. The remote processor assembly includes a transaction server linked to a remote processor/issuer for validating the transaction card data. A system including this apparatus, the communication device and the transaction server is also provided. Methods therefore are also disclosed. The input device captures the card information that is converted to an audio signal by the controller and transmitted to the transaction server via the communication device for being converted to an appropriate signal to be transmitted to the remote processor/issuer for validation thereof. The validation information is sent back to the apparatus providing feedback to the user. The transaction server translates the signal received by the remote processor/issuer into an audio signal and sends it to the controller via the communication device for conversion to an appropriate format.

Abstract translation: 提供了一种用于通过与远程处理器组件进行音频通信的通信设备使用交易卡进行商业交易的装置。 该装置包括用于从交易卡捕获信息的输入装置，用于将所捕获的卡信息转换成音频信号的控制器。 控制器链接到通信设备。 该装置还可以是组件的一部分，其中该控制器是通信装置的一部分。 远程处理器组件包括链接到远程处理器/发行者的交易服务器，用于验证交易卡数据。 还提供了包括该装置，通信装置和交易服务器的系统。 因此也公开了方法。 输入设备捕获由控制器转换成音频信号的卡信息，并通过通信设备传送到交易服务器，以转换成要发送给远程处理器/发行者的适当信号以进行验证。 验证信息被发回到向用户提供反馈的设备。 交易服务器将由远程处理器/发行者接收的信号转换为音频信号，并通过通信设备将其发送到控制器，以转换为适当的格式。

公开(公告)号：WO2010097711A3

公开(公告)日：2011-01-20

申请号：PCT/IB2010001367

申请日：2010-02-10

Applicant: HOMEATM ,  TANG TAI KWAN JIMMY ,  LO CHI WAH ,  MAGES KENNETH G

Inventor： TANG TAI KWAN JIMMY ,  LO CHI WAH ,  MAGES KENNETH G

IPC: G06Q20/00

CPC classification number: G06Q20/341 ,  G06K7/0004 ,  G06K7/01 ,  G06K7/082 ,  G06Q20/085 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/327 ,  G06Q20/3272 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/353 ,  G06Q20/409 ,  G06Q20/425 ,  G06Q2220/00 ,  H04L63/0428

Abstract: An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly The apparatus comprises an input device for capturing information from the transaction card a controller for converting the captured card information into an audio signal The controller is linked to the communication device The apparatus may also be part of an assembly wherein this controller is part of the communication device The remote processor assembly includes a transaction server linked to a remote processor/Issuer for validating the transaction card data.

Abstract translation: 一种用于通过与远程处理器组件进行音频通信的通信设备使用交易卡的商业交易的装置。该装置包括用于从交易卡捕获信息的输入装置，用于将捕获的卡信息转换成音频信号的控制器。控制器被链接 通信设备该设备还可以是组件的一部分，其中该控制器是通信设备的一部分。远程处理器组件包括链接到远程处理器/发卡机构的用于验证交易卡数据的交易服务器。

公开(公告)号：WO2009032187A1

公开(公告)日：2009-03-12

申请号：PCT/US2008/010235

申请日：2008-08-29

Applicant: HOMEATM EPAYMENT SOLUTIONS ,  MAGES, Kenneth, G. ,  LO, Chi, Wah ,  MAGES, Kent, H. ,  TANG, Tai, Kwan

Inventor： MAGES, Kenneth, G. ,  LO, Chi, Wah ,  MAGES, Kent, H. ,  TANG, Tai, Kwan

IPC: H04K1/00

CPC classification number: G06Q20/382 ,  G06F21/445 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/40 ,  G06Q20/4014 ,  G07F7/1075 ,  H04L63/08 ,  H04L63/102 ,  H04L2463/082

Abstract: A system and method are disclosed for conducting secure electronic transactions using dual-authentications. A secure server stores security information for a plurality of users and authorizes transactions being conducted by these users. A user computer system having a trusted platform module is used for storing security information relating to at least one user account. Protected environments are created to facilitate secure connections based on at least the security information stored in the trusted platform module. Transactions between the user/electronic merchants and between the user/secure server are conducted within protected environments. When a user conducts an electronic transaction with an electronic merchant, the transaction is authenticated by the secure server before can be completed.

Abstract translation: 公开了一种使用双重认证进行安全电子交易的系统和方法。 安全服务器存储多个用户的安全信息，并授权由这些用户进行的交易。 具有可信平台模块的用户计算机系统用于存储与至少一个用户帐户有关的安全信息。 创建受保护的环境以便至少基于存储在可信平台模块中的安全信息来促进安全连接。 用户/电子商家之间和用户/安全服务器之间的交易在受保护的环境中进行。 当用户与电子商家进行电子交易时，可以在安全服务器完成之前对交易进行认证。