公开(公告)号：US20070257107A1

公开(公告)日：2007-11-08

申请号：US11788732

申请日：2007-04-19

Applicant: Masih Madani

Inventor： Masih Madani

IPC: G06K5/00

CPC classification number: G06K19/06187 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/347 ,  G06Q20/3823 ,  G06Q20/4014 ,  G07F7/10 ,  G07F7/1075

Abstract: A computer readable universal authorization card system including a card having a computer readable portion for conducting communications over a global network and a magnetic stripe for interfacing with card readers is disclosed. Here, the magnetic stripe has a stripe length and a stripe width, the card has a card length and a card width, and the stripe length is shorter than the card length.

Abstract translation: 公开了一种计算机可读的通用授权卡系统，其包括具有用于通过全球网络进行通信的计算机可读部分的卡和用于与读卡器接口的磁条。 这里，磁条具有条带长度和条带宽度，卡片具有卡片长度和卡片宽度，并且条纹长度短于卡片长度。

公开(公告)号：US20070239621A1

公开(公告)日：2007-10-11

申请号：US11716733

申请日：2007-03-12

Applicant: Igor Igorevich Stukanov

Inventor： Igor Igorevich Stukanov

IPC: H04L9/00

CPC classification number: G07F7/10 ,  G06Q20/347 ,  G06Q20/4012 ,  G06Q20/425 ,  G07F7/1075

Abstract: A low-cost, secure, reliable, convenient, and efficient way to reduce the rate of fraud by means of using additional PINs/passwords, which are dynamic PINs delivered periodically via different channels, defined by users, with a changing pre-defined by the user periods.

Abstract translation: 一种低成本，安全，可靠，方便和有效的方法，通过使用额外的PIN /密码来降低欺诈率，这些PIN /密码是由用户定义的不同渠道定期传送的动态PIN码，其中定义为用户定义的更改 用户期间。

公开(公告)号：US07280984B2

公开(公告)日：2007-10-09

申请号：US10436552

申请日：2003-05-14

Applicant: Frank Phelan, III ,  Patricia Phelan

Inventor： Frank Phelan, III ,  Patricia Phelan

IPC: G06Q99/00

CPC classification number: G07F7/0866 ,  G06Q20/04 ,  G06Q20/26 ,  G06Q20/347 ,  G06Q20/363 ,  G06Q20/367 ,  G06Q20/3821 ,  G07F7/10 ,  G07F7/1075

Abstract: The present invention provides a money card system, method and apparatus that is convenient, easy to use, does not require good or any credit, is useable by individuals having low incomes, is interchangeable with cash, is available in many currencies, can be used in COD transactions, and is safer than cash, checks, money orders, cashier's checks, traveler's checks, ATM cards, credit cards, debit cards, stored-value cards and smart cards. For these individuals, the money card would provide the functionality of cash enhanced with the security of a Personal Identification Number (PIN) or Personal Identification Code (PIC) or other biometric information, such as fingerprint, handprint, voiceprint, iris scan, retina scan, thermal image, electronic/digital signature or any other form of endorsement that may be used to personalize and secure the transaction.

Abstract translation: 本发明提供一种方便，易于使用，不需要良好或任何信用的货币卡系统，方法和装置，可以用低收入的个人使用，与现金可互换，可用于多种货币，可以使用 在COD交易中，比现金，支票，汇票，收银台，旅行支票，ATM卡，信用卡，借记卡，储值卡和智能卡更安全。 对于这些个人，货币卡将提供增强的现金的功能，具有个人识别号码（PIN）或个人识别码（PIC）或其他生物特征信息的安全性，诸如指纹，手印，声纹，虹膜扫描，视网膜扫描 ，热图像，电子/数字签名或可用于个性化和保护交易的任何其他形式的背书。

公开(公告)号：US20070175984A1

公开(公告)日：2007-08-02

申请号：US11626130

申请日：2007-01-23

Applicant: Omar Khandaker ,  Rick Willard

Inventor： Omar Khandaker ,  Rick Willard

IPC: G06K5/00 ,  G06Q40/00

CPC classification number: G06Q30/00 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/347 ,  G06Q20/349 ,  G06Q20/3572 ,  G06Q20/363 ,  G07F7/08 ,  G07F7/10 ,  G07F7/1075 ,  G07F7/122

Abstract: Provided herein is a description of an open-loop gift card system and method.

Abstract translation: 本文提供了开环礼品卡系统和方法的描述。

公开(公告)号：US20070168300A1

公开(公告)日：2007-07-19

申请号：US10586128

申请日：2005-01-13

Applicant: Dominique Quesselaire ,  Jean-Paul Mengus ,  Michel Leger

Inventor： Dominique Quesselaire ,  Jean-Paul Mengus ,  Michel Leger

IPC: G06Q99/00 ,  H04L9/00

CPC classification number: G06Q20/409 ,  G06Q20/027 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/347 ,  G06Q20/4012 ,  G06Q20/4014 ,  G07F7/10 ,  G07F7/1075 ,  G07G1/0009 ,  G07G1/14

Abstract: A system for performing electronic transaction comprises:—a human interface module SPED comprising a keypad KP, a display D, a card reader CR, a processing means MP and an internal bus B for connecting these elements,—a hosting means HT connectable to the human interface module SPED through connection means C1, said hosting means comprising a scheduler means ES, a processing means and a memory HTR, communication means CR, and a power supply PS, EPS,—a gateway means VTS connectable to the hosting means HT through a telecommunication network TN, the gateway means VTS being a virtual terminal server

Abstract translation: 一种用于执行电子交易的系统包括： - 人机接口模块SPED，包括键盘KP，显示器D，读卡器CR，处理装置MP和用于连接这些元件的内部总线B. - 可连接到 人机界面模块SPED通过连接手段C1，所述托管装置包括调度器装置ES，处理装置和存储器HTR，通信装置CR和电源PS，EPS，网关装置VTS可连接到主机装置HT 通过电信网络TN，网关装置VTS是虚拟终端服务器

公开(公告)号：US07210621B2

公开(公告)日：2007-05-01

申请号：US11225525

申请日：2005-09-13

Applicant: John S. Woronec

Inventor： John S. Woronec

IPC: G06K5/00 ,  G06F17/00 ,  G06F19/00 ,  G06Q40/00

CPC classification number: G07F7/10 ,  G06Q20/24 ,  G06Q20/342 ,  G06Q20/347 ,  G06Q40/00 ,  G07F7/025 ,  G07F7/1075

Abstract: A secure credit card and a method of use of the same is shown. A transactional processing system using the method and the secure credit card of the present invention is also shown. The secure credit card has a first group of numbers or symbols which identify a user, and a second group of numbers or symbols, which may be different from the first group of numbers or symbols, and which represent unique information known only to the user, such information not being placed, or encoded, on the secure credit card in any way, so that it cannot be used in credit card theft and fraud. The position and/or number and/or type of symbols in the second group of symbols, or a combination of these, may be used to indicate to a card reader a unique piece of information (the identified information) to be requested from a user to verify a transaction.

Abstract translation: 示出了安全的信用卡及其使用方法。 还示出了使用本发明的方法和安全信用卡的事务处理系统。 安全信用卡具有识别用户的第一组数字或符号，以及可能不同于第一组数字或符号的第二组数字或符号，并且其表示仅向用户公知的唯一信息， 此类信息不会以任何方式放置或编码在安全信用卡上，因此不能用于信用卡盗窃和欺诈。 第二组符号中的符号的位置和/或数量和/或类型或它们的组合可用于向读卡器指示要从用户请求的唯一信息片段（所标识的信息） 验证交易。

公开(公告)号：US20070057043A1

公开(公告)日：2007-03-15

申请号：US11518822

申请日：2006-09-11

Applicant: Gustavo de la Garza Ortega ,  Alejandro Pessagno ,  Maria Porras Andujo ,  Edgar Ramirez

Inventor： Gustavo de la Garza Ortega ,  Alejandro Pessagno ,  Maria Porras Andujo ,  Edgar Ramirez

IPC: G06K5/00

CPC classification number: G07F7/10 ,  G06Q20/341 ,  G06Q20/347 ,  G06Q20/3578 ,  G07F7/1008 ,  G07F7/1075

Abstract: An integrated multi-serviced stored value card system permits and performs integrated telecommunication and financial services. A card affords the features of a traditional calling card plus a wide array of banking services, such as electronic fund transfers between cards and cash withdrawals, and telecommunication features. Stored values from a primary card according to the system are capable of allocating stored value balances to subsidiary or secondary cards for use by authorized subsidiary card users.

Abstract translation: 一体化的多功能储值卡系统允许并执行综合电信和金融服务。 卡片提供传统电话卡的功能以及各种银行服务，如卡片和现金提款之间的电子资金转帐以及电信功能。 根据系统从主卡存储的值可以将存储的价值余额分配给子卡或辅助卡，供授权的附属卡用户使用。

公开(公告)号：US20060289621A1

公开(公告)日：2006-12-28

申请号：US11139940

申请日：2005-05-27

Applicant: Sheldon Foss ,  Dwight Harris ,  Krishnamoorthy Srinivasan

Inventor： Sheldon Foss ,  Dwight Harris ,  Krishnamoorthy Srinivasan

IPC: G06F17/00 ,  G06Q40/00

CPC classification number: G07C9/00142 ,  G06F21/31 ,  G06F2221/2107 ,  G06F2221/2117 ,  G06Q20/10 ,  G06Q20/347 ,  G07F7/10 ,  G07F7/1008 ,  G07F7/1025 ,  G07F7/1075

Abstract: Dynamic fee structuring in a stored valued program is provided. One embodiment is a system for implementing a stored value card program, which comprises: a device that provides stored value card services to a user; and a fee structure database for determining an amount of a transaction fee to charge a user for a stored value card service provided by the device.

Abstract translation: 提供了存储价值程序中的动态费用结构。 一个实施例是一种用于实现储值卡程序的系统，其包括：向用户提供储值卡服务的设备; 以及费用结构数据库，用于确定由设备提供的储值卡服务向用户收取交易费用的金额。

公开(公告)号：US20060122943A1

公开(公告)日：2006-06-08

申请号：US11338656

申请日：2006-01-25

Applicant: William Mann ,  Jeffrey Hirka

Inventor： William Mann ,  Jeffrey Hirka

IPC: G06Q99/00

CPC classification number: G06Q20/385 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/347 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q20/4014 ,  G06Q40/00 ,  G07F7/10 ,  G07F7/1075

Abstract: The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.

公开(公告)号：US20050139657A1

公开(公告)日：2005-06-30

申请号：US10750119

申请日：2003-12-31

Applicant: W. Hopkins

Inventor： W. Hopkins

IPC: H04L9/32 ,  G06K7/01 ,  G07F7/10

CPC classification number: G07F7/1008 ,  G06Q20/347 ,  G07F7/10 ,  G07F7/1025 ,  G07F7/1075

Abstract: A technique for on-line Personal Identification Number (PIN) verification uses polynomial hiding. The technique comprises enrolling a smart card, including initializing a smart card with an entity-selected PIN hidden in a polynomial over a finite field. The initialization polynomial is a function of the PIN, an entity-identifier, and a random number. The random number and the PIN are discarded after smart card initialization.

Abstract translation: 在线个人识别号码（PIN）验证的技术使用多项式隐藏。 该技术包括登记智能卡，包括在有限域上以多项式隐藏的实体选择的PIN初始化智能卡。 初始化多项式是PIN，实体标识符和随机数的函数。 智能卡初始化后，随机数和PIN被丢弃。