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1.发明授权公开(公告)号：US08240557B2
公开(公告)日：2012-08-14
申请号：US12287283
申请日：2008-10-07
IPC分类号： G06K5/00
CPC分类号： G06Q20/04 , G06Q20/12 , G06Q20/223 , G06Q20/24 , G06Q20/32 , G06Q20/322 , G06Q20/3227
摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.
摘要翻译： 提供了用于移动个人信任设备金融交易的谈判技术的技术。 移动个人信任设备的用户设置定义用户进行金融交易的优选参数的用户偏好。 商家设定商人偏好，其定义了商人进行金融交易的首选参数。 当金融交易发起时，访问用户偏好和商家偏好。 生成适应用户偏好和商家偏好的协商偏好。 如果用户偏好和商家偏好不是相互排斥的，则协商的偏好尝试满足两个偏好。 如果用户偏好和商家偏好是相互排斥的，则基于两个偏好中哪一个具有较高优先级的协商偏好来满足两个偏好中的至少一个。 金融交易是根据谈判的偏好进行的。
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2.发明申请公开(公告)号：US20090108064A1
公开(公告)日：2009-04-30
申请号：US12287283
申请日：2008-10-07
IPC分类号： G06K5/00
CPC分类号： G06Q20/04 , G06Q20/12 , G06Q20/223 , G06Q20/24 , G06Q20/32 , G06Q20/322 , G06Q20/3227
摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.
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3.发明申请公开(公告)号：US20130015241A1
公开(公告)日：2013-01-17
申请号：US13584553
申请日：2012-08-13
IPC分类号： G06Q20/34
CPC分类号： G06Q20/04 , G06Q20/12 , G06Q20/223 , G06Q20/24 , G06Q20/32 , G06Q20/322 , G06Q20/3227
摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.
摘要翻译： 提供了用于移动个人信任设备金融交易的谈判技术的技术。 移动个人信任设备的用户设置定义用户进行金融交易的优选参数的用户偏好。 商家设定商人偏好，其定义了商人进行金融交易的首选参数。 当金融交易发起时，访问用户偏好和商家偏好。 生成适应用户偏好和商家偏好的协商偏好。 如果用户偏好和商家偏好不是相互排斥的，则协商的偏好尝试满足两个偏好。 如果用户偏好和商家偏好是相互排斥的，则基于两个偏好中哪一个具有较高优先级的协商偏好来满足两个偏好中的至少一个。 金融交易是根据谈判的偏好进行的。
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4.发明授权公开(公告)号：US07494055B2
公开(公告)日：2009-02-24
申请号：US11137682
申请日：2005-05-24
IPC分类号： G06K5/00
CPC分类号： G06Q20/04 , G06Q20/12 , G06Q20/223 , G06Q20/24 , G06Q20/32 , G06Q20/322 , G06Q20/3227
摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.
摘要翻译： 提供了用于移动个人信任设备金融交易的谈判技术的技术。 移动个人信任设备的用户设置定义用户进行金融交易的优选参数的用户偏好。 商家设定商人偏好，其定义了商人进行金融交易的首选参数。 当金融交易发起时，访问用户偏好和商家偏好。 生成适应用户偏好和商家偏好的协商偏好。 如果用户偏好和商家偏好不是相互排斥的，则协商的偏好尝试满足两个偏好。 如果用户偏好和商家偏好是相互排斥的，则基于两个偏好中哪一个具有较高优先级的协商偏好来满足两个偏好中的至少一个。 金融交易是根据谈判的偏好进行的。
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5.发明授权公开(公告)号：US08596528B2
公开(公告)日：2013-12-03
申请号：US13584553
申请日：2012-08-13
申请人： Jorge M. Fernandes , Mohammad Khan , Kerry Brown
发明人： Jorge M. Fernandes , Mohammad Khan , Kerry Brown
IPC分类号： G06K5/00
CPC分类号： G06Q20/04 , G06Q20/12 , G06Q20/223 , G06Q20/24 , G06Q20/32 , G06Q20/322 , G06Q20/3227
摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.
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6.外观设计公开(公告)号：USD491953S1
公开(公告)日：2004-06-22
申请号：US29168943
申请日：2002-10-10
申请人： James Arakaki , Mohammad A. Khan , Jorge Fernandes , Kerry Brown
设计人： James Arakaki , Mohammad A. Khan , Jorge Fernandes , Kerry Brown
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公开(公告)号：US20070136211A1
公开(公告)日：2007-06-14
申请号：US11618818
申请日：2006-12-30
申请人： Kerry Brown , David Pariseau
发明人： Kerry Brown , David Pariseau
IPC分类号： G06Q99/00
CPC分类号： G07F7/1008 , G06Q20/341 , G06Q20/3415 , G06Q20/385 , G06Q20/401 , G06Q20/4018 , G07F7/08 , G07F7/1083 , G07F7/12
摘要： A payment card comprises an internal dynamic card verification value (CVV) generator and a user display for card-not-present transactions. Card-present transactions with merchant card readers are enabled by a dynamic magnetic array internally associated with the card's magnetic stripe. The user display and a timer are triggered by the suer when the user needs to see the card verification value and/or begin a new transaction. A new card verification value is provided for each new transaction according to a cryptographic process, but the timer limits how soon a next new card verification value can be generated.
摘要翻译： 支付卡包括内部动态卡验证值（CVV）发生器和用于卡不存在交易的用户显示。 通过与卡的磁条内部相关联的动态磁阵列来实现与商家卡读卡器的卡存在交易。 当用户需要查看卡验证值和/或开始新的交易时，用户显示和定时器由用户触发。 根据加密过程为每个新交易提供新的卡验证值，但定时器限制下一个新卡验证值可以生成的时间。
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公开(公告)号：US20060124756A1
公开(公告)日：2006-06-15
申请号：US11297014
申请日：2005-12-08
申请人： Kerry Brown
发明人： Kerry Brown
IPC分类号： G06K19/06
CPC分类号： G07F7/025 , G06K19/06206 , G06Q20/105 , G06Q20/342 , G06Q20/351 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/385 , G06Q20/40 , G06Q20/4037 , G07F7/0833
摘要： A payment card comprises an internal virtual account number generator and a user display for online transactions. Offline transactions with merchant card readers are enabled by a magnetic array positioned behind the card's magnetic stripe on the back. The internal virtual account number generator is able to program the magnetic bits encoded in the magnetic stripe to reflect the latest virtual account number. The internal virtual account number generator produces a sequence of virtual numbers that can be predicted and approved by the issuing bank. Once a number is used, it is discarded and put on an exclusion list.
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公开(公告)号：US20080029598A1
公开(公告)日：2008-02-07
申请号：US11881187
申请日：2007-07-25
申请人： Jorge Fernandes , Mohammad Khan , Kerry Brown
发明人： Jorge Fernandes , Mohammad Khan , Kerry Brown
IPC分类号： G06K7/08
CPC分类号： G07G1/0018 , G06K7/084 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/322 , G06Q20/3278 , G06Q20/3572 , G06Q20/363 , G06Q20/4037 , G07F7/08 , G07F7/0866
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.
摘要翻译： 适配器允许磁条读卡器从其他介质（例如无线接近芯片卡）接收信息，同时保持接收磁条卡的能力。 根据一个实施例，适配器包括具有足够窄宽度的模拟结构，以基本上永久地配合在磁条读取装置的狭槽内，同时为磁条卡提供充足的空间，同时容纳在槽内并由 读者头。 模拟结构可以与诸如RF和IR的无线通信的一个或多个收发器进行电子通信。
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公开(公告)号：US20070255657A1
公开(公告)日：2007-11-01
申请号：US11767759
申请日：2007-06-25
申请人： Kerry Brown
发明人： Kerry Brown
CPC分类号： G07F7/10 , G06Q20/105 , G06Q20/3672 , G06Q20/385
摘要： A conventional looking payment card comprises a plastic card with a legacy card reader compatible magnetic stripe for dynamic user account data. Internal to the plastic card, and behind the magnetic stripe, a number of fixed-position magnetic write heads allow the user account data to be modified autonomously. Electronics within the card are pre-loaded with many unique numbers that are selected for one-time use in financial transactions. A payment processing center keeps track of the unique numbers used, and knows which numbers to expect in future transactions. It will not authorize transaction requests if the unique number read during a magnetic card swipe is not as expected. A card-swipe detector embedded in the plastic card detects each use in a scanner, so changes can be made to the data bits sent to the write heads.
摘要翻译： 常规的支付卡包括具有用于动态用户帐户数据的传统读卡器兼容磁条的塑料卡。 在塑料卡的内部，在磁条后面，多个固定位置的磁性写头允许用户帐户数据被自动修改。 卡内的电子装置预先装有许多唯一的数字，这些数字被选择用于金融交易中一次性使用。 支付处理中心跟踪使用的唯一号码，并知道在将来的交易中期望的数字。 如果在磁卡刷卡期间读取的唯一编号不是预期的，则不会授权交易请求。 嵌入在塑料卡中的卡片扫描检测器检测扫描仪中的每个使用，因此可以对发送到写入头的数据位进行更改。
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