公开(公告)号：US20120311320A1

公开(公告)日：2012-12-06

申请号：US13151397

申请日：2011-06-02

申请人： Kerry D. Brown ,  Michael Keith Bond ,  Ronald P. Knapp ,  Peter Landrock

发明人： Kerry D. Brown ,  Michael Keith Bond ,  Ronald P. Knapp ,  Peter Landrock

IPC分类号： H04L9/32

CPC分类号： G06Q20/3274 ,  G06Q20/4014 ,  G06Q20/40975 ,  H04L9/0894 ,  H04L9/3226 ,  H04L9/3278 ,  H04L2209/56 ,  H04L2209/80 ,  H04W12/02 ,  H04W12/04 ,  H04W12/06

摘要： A transaction security process includes authentication and identification parts for pushing an encrypted colorgram for user authentication and persona descriptors for user identification from a transaction server to a first personal trusted device. A decryption of the colorgram is displayed on the first personal trusted device. An image is captured by a second personal trusted device. An encryption of the image captured from the second personal trusted device is uploaded to the transaction server. The persona descriptors are used to build a composite rendering for identification of the first user to the second user. The second user clicks “OK” if they recognize the composite drawing as a reasonable persona of the first user.

摘要翻译： 交易安全过程包括用于将用于用户认证的加密彩色图片和用于用户标识的个人描述符从交易服务器推送到第一个人信任设备的认证和识别部件。 彩色图案的解密显示在第一个人信任的设备上。 图像由第二个个人信任的设备捕获。 将从第二个人信任设备捕获的图像的加密上传到事务服务器。 角色描述符用于构建用于向第二用户识别第一用户的复合呈现。 如果第二个用户将复合图形识别为第一个用户的合理角色，则单击确定。

公开(公告)号：US20110240745A1

公开(公告)日：2011-10-06

申请号：US12752390

申请日：2010-04-01

申请人： Kerry D. Brown

发明人： Kerry D. Brown

IPC分类号： G06K19/06

CPC分类号： G06Q20/385 ,  G06K19/06206 ,  G06Q20/202 ,  G06Q20/325 ,  G06Q20/327 ,  G06Q20/34 ,  G06Q20/347 ,  G06Q20/352 ,  G06Q20/3829 ,  G06Q20/409 ,  G06Q2220/00 ,  G07F7/084 ,  G07F7/0886

摘要： A thin-client access card has a card body with partial or fully emissive magnetic data tracks. An emissive element is disposed in the card body under the location of the legacy magnetic data tracks. An electronic signal conditioner converts audio signals from a mobile device into magnetic data applied to the emissive element. A swipe sensor detects when the thin-client access card is being swiped by a legacy card reader, and triggers an output of magnetic data from the emissive element while proximal to the POS reader head. A cable attaches the thin-client access card as a peripheral to the mobile device with an audio output jack.

摘要翻译： 瘦客户端访问卡具有具有部分或完全发射的磁数据轨道的卡体。 发光元件设置在传统磁数据轨道位置下的卡体内。 电子信号调节器将来自移动设备的音频信号转换为应用于发射元件的磁数据。 滑动传感器检测瘦客户端访问卡何时由传统读卡器擦除，并且在靠近POS读取头的同时触发来自发射元件的磁数据的输出。 电缆使用音频输出插孔将瘦客户端接入卡作为外设连接到移动设备。

公开(公告)号：US07580898B2

公开(公告)日：2009-08-25

申请号：US11618813

申请日：2006-12-30

申请人： Kerry D. Brown ,  David Kevin Pariseau

发明人： Kerry D. Brown ,  David Kevin Pariseau

IPC分类号： G06F17/60

CPC分类号： G07F7/1008 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/367 ,  G06Q20/385 ,  G06Q20/401 ,  G07F7/08 ,  G07F7/1083 ,  G07F7/12

摘要： A method for securing financial transactions involving payment cards includes associating a sixteen-digit personal account number (PAN) with a particular payment card and user, wherein are included fields for a system number, a bank/product number, a user account number, and a check digit. A four-digit expiration date (MMYY) associated with the PAN. A magnetic stripe on the payment card is encoded with the PAN for periodic reading by a magnetic card reader during a financial transaction. A table of cryptographic values associated with the PAN and the MMYY is stored on each user's payment card during personalization by an issuing bank. A next financial transaction being commenced with the payment card is sensed. A cryptographic value from the table of cryptographic values is selected for inclusion as a dynamic portion of the user account number with the PAN when a next financial transaction is sensed. Any cryptographic value from the table of cryptographic values will not be used again in another financial transaction after being used once. The issuing bank authorizes the next financial transaction only if the PAN includes a correct cryptographic value in the user account number field.

摘要翻译： 用于确保涉及支付卡的金融交易的方法包括将十六位数个人帐号（PAN）与特定支付卡和用户相关联，其中包括用于系统号，银行/商品号，用户帐号和 一个校验位。 与PAN相关联的四位数到期日（MMYY）。 支付卡上的磁条用PAN编码，以便在金融交易期间由磁卡读卡器定期读取。 在发卡行个人化期间，与PAN和MMYY相关联的加密值的表存储在每个用户的支付卡上。 检测到与付款卡开始的下一笔金融交易。 当检测到下一个金融交易时，选择加密值表中的加密值作为用户帐号的动态部分包含在PAN中。 使用一次后，加密值表中的任何加密值将不再被再次用于另一个金融交易。 仅当PAN在用户帐号字段中包含正确的加密值时，开证行才授权下一笔金融交易。

公开(公告)号：US20090006262A1

公开(公告)日：2009-01-01

申请号：US11875855

申请日：2007-10-20

申请人： Kerry D. Brown ,  David Pariseau

发明人： Kerry D. Brown ,  David Pariseau

IPC分类号： G06Q20/00 ,  H04L9/00

CPC分类号： G06Q20/20 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/341 ,  G06Q20/342 ,  G06Q20/382 ,  G06Q20/385 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q20/40975 ,  G06Q40/00 ,  G07F7/025 ,  G07F7/1008 ,  H04L9/12 ,  H04L9/32 ,  H04L2209/043 ,  H04L2209/56

摘要： A financial transaction payment processor includes an account access request processor for receiving dynamic swipe data from a payment card through a merchant infrastructure. A fraud detection processor is connected to analyze a dynamic data obtained by the account access request processor that should agree with values pre-loaded in a Crypto-Table by a card manufacturer. A payment authorization processor is connected to receive a message from the fraud detection processor and to then forward a response to the merchant infrastructure.

摘要翻译： 金融交易支付处理器包括帐户访问请求处理器，用于通过商业基础设施从支付卡接收动态刷卡数据。 连接欺诈检测处理器以分析由帐户访问请求处理器获得的动态数据，其应该与卡制造商在加密表中预先加载的值一致。 连接支付授权处理器以从欺诈检测处理器接收消息，然后将响应转发到商家基础设施。

公开(公告)号：US20080319901A1

公开(公告)日：2008-12-25

申请号：US11875862

申请日：2007-10-20

申请人： Kerry D. Brown

发明人： Kerry D. Brown

IPC分类号： G06Q40/00

CPC分类号： G07F7/10 ,  G06Q20/105 ,  G06Q20/3672 ,  G06Q20/385

摘要： A method for validating a payment card financial transaction includes receiving a financial transaction approval request message derived from a payment card that is able to change its magnetic card data as elicited by a card reader. Out-of-sequence transactions encoded in a dynamic number included in said magnetic card data are detected. The dynamic number is compared with a last valid number that was previously stored in a database. An approval message is issued to enable the completion of a financial transaction with the payment card.

摘要翻译： 用于验证支付卡金融交易的方法包括接收从支付卡导出的能够改变由读卡器引出的磁卡数据的金融交易批准请求消息。 检测以包含在所述磁卡数据中的动态数字编码的乱序事务。 将动态编号与先前存储在数据库中的最后一个有效数进行比较。 发出批准信息以使支付卡能够完成金融交易。

公开(公告)号：US07028897B2

公开(公告)日：2006-04-18

申请号：US10327638

申请日：2002-12-19

申请人： Jorge M. Fernandes ,  Mohammad A. Khan ,  Kerry D. Brown

发明人： Jorge M. Fernandes ,  Mohammad A. Khan ,  Kerry D. Brown

IPC分类号： G06K7/08

CPC分类号： G07F7/08 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/29 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/3572 ,  G06Q20/363 ,  G06Q20/388 ,  G06Q20/4014 ,  G06Q20/4037 ,  G06Q20/425 ,  G07F7/0866 ,  G07G1/0018

摘要： An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.

公开(公告)号：US20110161232A1

公开(公告)日：2011-06-30

申请号：US12647713

申请日：2009-12-28

申请人： Kerry D. Brown

发明人： Kerry D. Brown

IPC分类号： G06Q20/00 ,  H04L9/32

CPC分类号： G07F7/1016 ,  G06F21/32 ,  G06Q20/3229 ,  G06Q20/3278 ,  G06Q20/35765 ,  G06Q20/3821 ,  G06Q20/3829 ,  G07F7/082 ,  H04L9/3231 ,  H04L9/3234 ,  H04L63/0853 ,  H04L2209/56 ,  H04L2209/805

摘要： Data and financial transactions are secured on a mobile electronics device, with three downloadable modules. A first module provides for the mobile electronics device and a network server to interactively register a cryptographic abstract of an object usually carried by the user. These objects represent physical passwords from which processing can derive characterizing information. A second module is invoked by a transaction and signals the mobile electronics device to collect a new sample of the physical password. A cryptographic abstract of it is distilled and compared to preregistered cryptographic abstracts. A third module is a key recovery process for use when the preregistered physical password sound or object is no longer available to the user.

摘要翻译： 数据和金融交易通过三个可下载的模块在移动电子设备上得到保护。 第一模块提供移动电子设备和网络服务器来交互地注册通常由用户携带的对象的加密抽象。 这些对象表示物理密码，处理可从中导出特征信息。 事务调用第二个模块，并向移动电子设备发出信号，以收集新的物理密码样本。 它的加密摘要被提炼并与预注册的加密摘要进行比较。 第三个模块是当预注册的物理密码声音或对象不再可供用户使用时的密钥恢复过程。

公开(公告)号：US07631804B2

公开(公告)日：2009-12-15

申请号：US11875862

申请日：2007-10-20

申请人： Kerry D. Brown

发明人： Kerry D. Brown

IPC分类号： G07F19/00

CPC分类号： G07F7/10 ,  G06Q20/105 ,  G06Q20/3672 ,  G06Q20/385

摘要： A method for validating a payment card financial transaction includes receiving a financial transaction approval request message derived from a payment card that is able to change its magnetic card data as elicited by a card reader. Out-of-sequence transactions encoded in a dynamic number included in said magnetic card data are detected. The dynamic number is compared with a last valid number that was previously stored in a database. An approval message is issued to enable the completion of a financial transaction with the payment card.

摘要翻译： 用于验证支付卡金融交易的方法包括接收从支付卡导出的能够改变由读卡器引出的磁卡数据的金融交易批准请求消息。 检测以包含在所述磁卡数据中的动态数字编码的乱序事务。 将动态编号与先前存储在数据库中的最后一个有效数进行比较。 发出批准信息以使支付卡能够完成金融交易。

公开(公告)号：US20090255996A1

公开(公告)日：2009-10-15

申请号：US12489662

申请日：2009-06-23

申请人： Kerry D. Brown ,  Daniel Chatelain

发明人： Kerry D. Brown ,  Daniel Chatelain

IPC分类号： G06K19/06

CPC分类号： G06K19/06187 ,  G06K19/06196 ,  G06K19/07 ,  G06K19/0723 ,  G06Q20/341 ,  G06Q20/343 ,  G06Q20/354 ,  G07F7/082 ,  G07F7/1008

摘要： A payment card comprises a plastic card and operates with three different legacy payment systems. A magnetic stripe with user account data allows card use in traditional point-of-sale magnetic card readers. A dual-input crypto-processor embedded in the card provides for contact/contactless smart card operation. A user input provides for user authentication by the crypto-processor. Internal to the plastic card, and behind the magnetic stripe, a magnetic array includes a number of fixed-position magnetic write heads that allow the user account data to be automatically modified by the crypto-processor.

摘要翻译： 支付卡包括塑料卡，并且使用三种不同的传统支付系统。 具有用户帐户数据的磁条允许在传统的销售点磁卡读卡器中使用卡。 嵌入卡中的双输入加密处理器提供接触/非接触式智能卡操作。 用户输入提供加密处理器的用户认证。 在塑料卡的内部，并且在磁条之后，磁性阵列包括许多固定位置磁性写入头，其允许用户帐户数据由密码处理器自动修改。

公开(公告)号：US20090248581A1

公开(公告)日：2009-10-01

申请号：US12479856

申请日：2009-06-08

申请人： Kerry D. Brown

发明人： Kerry D. Brown

IPC分类号： H04L9/32 ,  G06Q20/00 ,  G06F17/30

CPC分类号： G06K19/06187 ,  G06K19/06196 ,  G06K19/07 ,  G06K19/0723 ,  G06K19/12 ,  G06Q20/12 ,  G06Q20/341 ,  G06Q20/343 ,  G06Q20/354 ,  G06Q20/3674 ,  G06Q20/4016 ,  G06Q20/403 ,  G07F7/082 ,  G07F7/1008

摘要： A payment card comprises a display to support card-not-present transactions where no card reader is available to automate the transaction, and an account number retrieval method for dynamic, one-time use virtual account numbers whose use can assist authorities in rapid fraud and location detection. The account number generator is able to produce a sequence of virtual account numbers over its life that are predictable by the issuing bank and useful in authenticating transactions. A server for the issuing bank logs the merchant locations associated with each use or attempted use, and provides real-time detection of fraudulent attempts to use a virtual account number outside the predicted set. Fraud identification efforts can then be directed in a timely and useful way.

摘要翻译： 支付卡包括支持卡片不存在的交易的显示器，其中没有读卡器可用于自动交易;以及帐号检索方法，用于动态的，一次性使用的虚拟帐号，其使用可以帮助当局快速欺诈， 位置检测。 帐号生成器能够在其生命周期内产生可由开证行预测的一系列虚拟账号，并在认证交易中有用。 发行银行的服务器记录与每次使用或尝试使用相关联的商家位置，并且提供在预测集合之外使用虚拟帐号的欺诈尝试的实时检测。 然后可以及时和有用的方式引导欺诈识别工作。