公开(公告)号：US07831519B2

公开(公告)日：2010-11-09

申请号：US10997770

申请日：2004-11-23

Applicant: Brian T. Kean

Inventor： Brian T. Kean

IPC: G06Q20/00 ,  G06Q30/00

CPC classification number: G06Q20/327 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q30/0238 ,  G07F7/1016

Abstract: Methods and systems are provided for processing secure transactions. An electromagnetic transmission packet is received from a portable device at a processing device. The electromagnetic transmission packet includes an encrypted magnetic-stripe image and an encrypted version of an alphanumerical identifier. A keyed nonencrypted version of the alphanumerical identifier is received at the processing device, and the encrypted version of the alphanumerical identifier is decrypted. The decryption of the encrypted version of the alphanumerical identifier is compared with the nonencrypted version of the alphanumerical identifier. Thereafter, a decryption of the encrypted magnetic-stripe image is transmitted to a host system for processing the secure transaction using an account identified by the decryption of the magnetic-stripe image.

Abstract translation: 提供了用于处理安全事务的方法和系统。 在处理设备处从便携式设备接收电磁传输分组。 电磁传输分组包括加密的磁条图像和字母数字标识符的加密版本。 在处理设备处接收字母数字标识符的密钥非加密版本，并解密加密版本的字母数字标识符。 将加密版本的字母数字标识符的解密与字母数字标识符的非加密版本进行比较。 此后，将加密磁条图像的解密发送到主机系统，以使用由磁条图像的解密识别的帐户处理安全交易。

公开(公告)号：US09569768B2

公开(公告)日：2017-02-14

申请号：US12389863

申请日：2009-02-20

Applicant: Brian T. Kean

Inventor： Brian T. Kean

IPC: G06Q20/00 ,  G06Q40/00 ,  G06Q20/34 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q30/06 ,  G07F7/10

CPC classification number: G06Q20/341 ,  G06Q20/204 ,  G06Q20/3572 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/12 ,  G07F7/10

Abstract: Systems and methods for selecting a payment account for a payment transaction are provided by certain embodiments of the invention. Data may be collected from a payment device utilized for the transaction, and a plurality of payment accounts may be associated with the payment device. A personal identification number associated with the payment device may be received. At least one of the plurality of payment accounts associated with the payment device may be selected based on a portion of the received personal identification number. The transaction may be facilitated utilizing at least one of the selected payment accounts.

Abstract translation: 用于选择支付交易的支付账户的系统和方法由本发明的某些实施例提供。 可以从用于交易的支付设备收集数据，并且多个支付账户可以与支付设备相关联。 可以接收与支付设备相关联的个人识别号码。 可以基于所接收的个人识别号码的一部分来选择与支付设备相关联的多个支付账户中的至少一个。 可以利用所选择的支付账户中的至少一个来促进交易。

公开(公告)号：US20100217674A1

公开(公告)日：2010-08-26

申请号：US12389863

申请日：2009-02-20

Applicant: Brian T. Kean

Inventor： Brian T. Kean

IPC: G06Q20/00 ,  G06Q10/00

CPC classification number: G06Q20/341 ,  G06Q20/204 ,  G06Q20/3572 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/12 ,  G07F7/10

Abstract: Systems and methods for selecting a payment account for a payment transaction are provided by certain embodiments of the invention. Data may be collected from a payment device utilized for the transaction, and a plurality of payment accounts may be associated with the payment device. A personal identification number associated with the payment device may be received. At least one of the plurality of payment accounts associated with the payment device may be selected based on a portion of the received personal identification number. The transaction may be facilitated utilizing at least one of the selected payment accounts.

Abstract translation: 用于选择支付交易的支付账户的系统和方法由本发明的某些实施例提供。 可以从用于交易的支付设备收集数据，并且多个支付账户可以与支付设备相关联。 可以接收与支付设备相关联的个人识别号码。 可以基于所接收的个人识别号码的一部分来选择与支付设备相关联的多个支付账户中的至少一个。 可以利用所选择的支付账户中的至少一个来促进交易。