公开(公告)号：US07636694B1

公开(公告)日：2009-12-22

申请号：US09399192

申请日：1999-09-17

申请人： John Wankmueller ,  Carl Campbell

发明人： John Wankmueller ,  Carl Campbell

IPC分类号： G06Q20/00

CPC分类号： G07F19/201 ,  G06Q20/108 ,  G06Q20/12 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/3829 ,  G06Q20/401 ,  G07F7/1075 ,  G07F7/1091

摘要： An apparatus and method by which a user or cardholder can be given an Electronic-Commerce PIN that bears no discernible relation to the ATM PIN, but from which the ATM PIN can be cryptographically determined using the cardholder's account number and an issuer-unique “conversion” secret key. The intent is that the Maestro Master Debit Switch, or else the Member Interface Processor, whichever is appropriate to a given issuer, can “convert” an Electronic-Commerce PIN to an ATM PIN, so that the member, by verifying the ATM PIN, is in effect verifying the Electronic-Commerce PIN. If the Electronic-Commerce PIN is entered incorrectly, it will convert into an incorrect ATM PIN. Thus the member's EDP facility need not deal with two PINs, yet the ATM PIN is not exposed to possible compromise in PCs or other electronic-commerce equipment. The suggested approach ensures that any disclosure of the Electronic-Commerce PIN does not disclose the ATM PIN.

摘要翻译： 可以向用户或持卡人给予与ATM PIN不相关的电子商务PIN的装置和方法，但是可以使用持卡人的帐号和发行人唯一的“转换”来密码地确定ATM PIN “ 密钥。 意图是，大师大师借记交换机或成员接口处理器（以适用于给定发行者为准）可以将电子商务PIN“转换”为ATM PIN，从而通过验证ATM PIN码， 正在验证电子商务PIN码。 如果电子商务PIN码输入不正确，则会转换为不正确的ATM PIN码。 因此，成员的EDP设施不需要处理两个PIN，但是ATM PIN不会在PC或其他电子商务设备中面临可能的折中。 建议的方法可以确保电子商务PIN码的任何披露不会透露ATM PIN。

公开(公告)号：US20080065554A1

公开(公告)日：2008-03-13

申请号：US11943062

申请日：2007-11-20

申请人： Edward Hogan ,  Carl Campbell

发明人： Edward Hogan ,  Carl Campbell

IPC分类号： G06Q20/00 ,  H04K1/00 ,  H04L9/00

CPC分类号： G07F7/08 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/102 ,  G06Q20/14 ,  G06Q20/24 ,  G06Q20/382 ,  G06Q20/3823 ,  G06Q20/3825 ,  G06Q20/3829 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/403 ,  G06Q30/06 ,  G07F7/12 ,  G07F7/122

摘要： A method is provided for conducting a financial transaction by a purchaser with a merchant having an acquirer bank, over a communications network. The method includes the steps of sending a first authorization request using a pseudo account number associated with a real account number to a service provider which forwards a second authorization request to the issuer using the real account number and preferably a pseudo acquirer code associated with the service provider such that the response to the second request is based on the real account number and sent back to the service provider who preferably forwards a response to the first request preferably to the “real” acquirer. A message authentication code is further provided which includes transaction data, and where the authorization request is formatted as a standard payment card track having one or more fields including a discretionary field in which the message authentication code is placed.

摘要翻译： 提供了一种用于通过通信网络由具有收单行银行的商家进行金融交易的方法。 该方法包括以下步骤：使用与真实账户号码相关联的伪帐户号码向服务提供商发送第一授权请求，该服务提供商使用实际帐号向发行者转发第二授权请求，优选地，与服务相关联的伪获取方代码 提供商，使得对第二请求的响应是基于真实帐号，并且发送回优选地向“真实”获取方转发对第一请求的响应的服务提供商。 还提供了包括交易数据的消息认证码，并且其中授权请求被格式化为具有一个或多个字段的标准支付卡轨道，包括其中放置消息认证码的任意字段。

公开(公告)号：US06915279B2

公开(公告)日：2005-07-05

申请号：US10096271

申请日：2002-03-11

申请人： Edward Hogan ,  Carl Campbell ,  Arthur Kranzley ,  Bruce Rutherford ,  Stephen Orfei

发明人： Edward Hogan ,  Carl Campbell ,  Arthur Kranzley ,  Bruce Rutherford ,  Stephen Orfei

IPC分类号： G06Q20/02 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/14 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q30/06 ,  G06F17/46

CPC分类号： G06Q30/06 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/14 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/388

摘要： In a secure electronic payment system, authentication data is sent from a payment account issuer to user software operated by a purchaser. The user software sends the authentication data to a merchant using hidden fields on the Web page of the merchant. The merchant generates an authorization request message based upon the authentication data. The authorization request message is sent to a payment organization either directly from the merchant or via the merchant's acquirer. The payment organization forwards the authorization request message to a payment account issuer which verifies the authorization request message, thereby generating an authorization response message which is sent to the payment organization. The payment organization forwards the authorization response message to the merchant, either directly or via the acquirer.

摘要翻译： 在安全的电子支付系统中，认证数据从支付帐户发行者发送到由购买者操作的用户软件。 用户软件使用商家网页上的隐藏字段向商家发送认证数据。 商家根据认证数据生成授权请求消息。 授权请求消息直接从商家或通过商家的收单方发送到支付组织。 支付组织将授权请求消息转发给验证授权请求消息的支付账户发行者，从而生成发送给支付组织的授权响应消息。 支付组织直接或通过收单方将授权响应消息转发给商家。

公开(公告)号：US5675860A

公开(公告)日：1997-10-14

申请号：US626045

申请日：1996-04-01

申请人： Carl Campbell

发明人： Carl Campbell

IPC分类号： E04F21/165 ,  B05C17/10

CPC分类号： E04F21/165 ,  E04F21/1652 ,  E04F21/1655

摘要： A hand held applicator tool adapted to work a mass of filler material into a gap to form a seal between two pieces. The tool includes a handle having attached thereto a tapered head defined by tapered lateral side edges thereof which cooperate to define a tip as well as a working surface. The head being upturned in the area adjacent the tip and including a rim margin adjacent the side edges and the tip wherein the rim margin is made of a flexible and resilient material. The tool may further have working tips each having a different radius of curvature so as to seal a gap having at least two different bead widths.

摘要翻译： 一种手持式涂抹器工具，其适于将大量填充材料加工成间隙以在两块之间形成密封。 该工具包括具有附接到其上的锥形头部的锥形头部，锥形头部由锥形侧向边缘限定，该锥形侧面边缘配合以限定尖端以及工作表面。 头部在靠近尖端的区域中向上翻转并且包括邻近侧边缘和尖端的边缘边缘，其中边缘边缘由柔性和弹性材料制成。 工具还可以具有各自具有不同曲率半径的工作尖端，以便密封具有至少两个不同胎圈宽度的间隙。