Internet Payment System Using Credit Card Imaging
    1.
    发明申请
    Internet Payment System Using Credit Card Imaging 有权
    使用信用卡成像的互联网支付系统

    公开(公告)号:US20120143760A1

    公开(公告)日:2012-06-07

    申请号:US13275203

    申请日:2011-10-17

    摘要: A system and a method for conducting credit card transactions through a mobile device of a user. The mobile device comprises an image acquisition unit and a mobile application operated by the mobile device. The system enables acquiring an image of a client's credit card, using the image acquisition unit; analyzing data of the image; outputting details of the credit card from the analysis; verifying the output details, wherein the verification is further carried out through the mobile application; verifying authorization of inputted monetary transaction, wherein the mobile application enables verifying the authorization by communicating with the billing center, associated with at least one credit company associated with the credit card over at least one communication network, wherein the communication is carried out by the mobile application using the mobile device; and conducting monetary transactions using the verified credit card details.

    摘要翻译: 一种用于通过用户的移动设备进行信用卡交易的系统和方法。 移动设备包括由移动设备操作的图像获取单元和移动应用。 该系统使用图像获取单元获取客户信用卡的图像; 分析图像的数据; 从分析中输出信用卡的细节; 验证输出细节,其中通过移动应用进一步执行验证; 验证所输入的货币交易的授权,其中所述移动应用能够通过至少一个通信网络与所述信用卡相关联的至少一个信用公司与所述计费中心进行通信来验证所述授权,其中所述通信由所述移动 使用移动设备的应用; 并使用经过验证的信用卡详细信息进行货币交易。

    Method for Validating a Road Traffic Control Transaction
    2.
    发明申请
    Method for Validating a Road Traffic Control Transaction 有权
    验证道路交通管制交易的方法

    公开(公告)号:US20120246477A1

    公开(公告)日:2012-09-27

    申请号:US13409542

    申请日:2012-03-01

    申请人: Albert Hafenscher

    发明人: Albert Hafenscher

    IPC分类号: H04L9/32

    摘要: A method for validating a road traffic control transaction. The method includes: storing a cryptographic key assigned to a transaction receiver, in the transaction receiver; recording an image of a vehicle; reading an identification of the vehicle in the recorded image by OCR and generating a control transaction thereof in the control station; generating a random key and encrypting the recorded image into authentication data with the random key and the cryptographic key in the control station; transmitting the recorded image, the control transaction, the random key and the authentication data to the transaction receiver; in the transaction receiver, encrypting the received recorded image into nominal authentication data with the received random key and the stored cryptographic key; and comparing the received authentication data with the nominal authentication data. The received control transaction is then validated when the received authentication data and the nominal authentication data are identical.

    摘要翻译: 一种验证道路交通管制交易的方法。 该方法包括:在交易接收器中存储分配给事务接收器的密码密钥; 记录车辆的图像; 通过OCR读取记录图像中的车辆的标识并在控制站中产生其控制事务; 生成随机密钥,并将所记录的图像加密成与控制站中的随机密钥和加密密钥的认证数据; 将记录图像,控制事务,随机密钥和认证数据发送到交易接收器; 在交易接收器中,利用所接收的随机密钥和所存储的加密密钥将所接收的记录图像加密成标称认证数据; 以及将所接收的认证数据与所述标称认证数据进行比较。 接收到的认证数据和标称认证数据相同时,接收到的控制事务被验证。

    System and method for adding value to a stored-value account
    4.
    发明授权
    System and method for adding value to a stored-value account 有权
    将值添加到存储值帐户的系统和方法

    公开(公告)号:US07328190B2

    公开(公告)日:2008-02-05

    申请号:US10739301

    申请日:2003-12-19

    IPC分类号: G06Q40/00

    摘要: A system and method for adding value into a customer's stored-value account is provided. A stored-value card is distributed to a merchant for distribution to a customer who has an account with a specific provider of goods and/or services. The stored-value card has an associated identifier that can be used to associate a stored value with the card. The associated stored value is redeemable with one or more providers, including the specific provider. The account has an associated account number. During a card purchase transaction, a central processor receives a request to activate the card from a merchant terminal. The central processor receives a redemption request from the customer, wherein the redemption request includes the identifier. The central processor identifies the provider and the account number. The central processor inserts the associated value into the account, for instance by passing a value insertion request to the provider. The central processor receives a subsequent request to activate the card from a different merchant terminal. The central processor recognizes the card, identifies the provider and account number, and automatically inserts the value into the account.

    摘要翻译: 提供了一种将价值增加到客户的储值账户中的系统和方法。 将储值卡分发给商家以分配给具有与特定货物和/或服务提供商的帐户的客户。 存储卡具有可用于将存储的值与卡相关联的相关联的标识符。 相关联的存储值可以与一个或多个提供程序(包括特定提供程序)一起兑换。 该帐户有一个关联的帐号。 在卡购买交易期间,中央处理器从商家终端接收到激活卡的请求。 中央处理器接收来自客户的兑换请求,其中兑换请求包括标识符。 中央处理器识别提供商和帐号。 中央处理器将关联的值插入到帐户中,例如通过向提供者传递值插入请求。 中央处理器接收来自不同商家终端的随后的激活卡的请求。 中央处理器识别卡,识别提供商和帐号,并自动将该值插入到帐户中。

    Internet payment system using credit card imaging
    5.
    发明授权
    Internet payment system using credit card imaging 有权
    使用信用卡成像的互联网支付系统

    公开(公告)号:US09305230B2

    公开(公告)日:2016-04-05

    申请号:US13275203

    申请日:2011-10-17

    摘要: A system and a method for conducting credit card transactions through a mobile device of a user. The mobile device comprises an image acquisition unit and a mobile application operated by the mobile device. The system enables acquiring an image of a client's credit card, using the image acquisition unit; analyzing data of the image; outputting details of the credit card from the analysis; verifying the output details, wherein the verification is further carried out through the mobile application; verifying authorization of inputted monetary transaction, wherein the mobile application enables verifying the authorization by communicating with the billing center, associated with at least one credit company associated with the credit card over at least one communication network, wherein the communication is carried out by the mobile application using the mobile device; and conducting monetary transactions using the verified credit card details.

    摘要翻译: 一种用于通过用户的移动设备进行信用卡交易的系统和方法。 移动设备包括由移动设备操作的图像获取单元和移动应用。 该系统使用图像获取单元获取客户信用卡的图像; 分析图像的数据; 从分析中输出信用卡的细节; 验证输出细节,其中通过移动应用进一步执行验证; 验证所输入的货币交易的授权,其中所述移动应用能够通过至少一个通信网络与所述信用卡相关联的至少一个信用公司与所述计费中心进行通信来验证所述授权,其中所述通信由所述移动 使用移动设备的应用; 并使用经过验证的信用卡详细信息进行货币交易。

    Method for validating a road traffic control transaction
    6.
    发明授权
    Method for validating a road traffic control transaction 有权
    验证道路交通管制交易的方法

    公开(公告)号:US08850198B2

    公开(公告)日:2014-09-30

    申请号:US13409542

    申请日:2012-03-01

    申请人: Albert Hafenscher

    发明人: Albert Hafenscher

    摘要: A method for validating a road traffic control transaction. The method includes: storing a cryptographic key assigned to a transaction receiver, in the transaction receiver; recording an image of a vehicle; reading an identification of the vehicle in the recorded image by OCR and generating a control transaction thereof in the control station; generating a random key and encrypting the recorded image into authentication data with the random key and the cryptographic key in the control station; transmitting the recorded image, the control transaction, the random key and the authentication data to the transaction receiver; in the transaction receiver, encrypting the received recorded image into nominal authentication data with the received random key and the stored cryptographic key; and comparing the received authentication data with the nominal authentication data. The received control transaction is then validated when the received authentication data and the nominal authentication data are identical.

    摘要翻译: 一种验证道路交通管制交易的方法。 该方法包括:在交易接收器中存储分配给事务接收器的密码密钥; 记录车辆的图像; 通过OCR读取记录图像中的车辆的标识并在控制站中产生其控制事务; 生成随机密钥,并将所记录的图像加密成与控制站中的随机密钥和加密密钥的认证数据; 将记录图像,控制事务,随机密钥和认证数据发送到交易接收器; 在交易接收器中,利用所接收的随机密钥和所存储的加密密钥将所接收的记录图像加密成标称认证数据; 以及将所接收的认证数据与所述标称认证数据进行比较。 接收到的认证数据和标称认证数据相同时,接收到的控制事务被验证。

    Internet Payment System Using Credit Card Imaging
    8.
    发明申请
    Internet Payment System Using Credit Card Imaging 审中-公开
    使用信用卡成像的互联网支付系统

    公开(公告)号:US20160189122A1

    公开(公告)日:2016-06-30

    申请号:US15059767

    申请日:2016-03-03

    IPC分类号: G06Q20/10 G06Q20/42 G06Q20/40

    摘要: A system and a method for conducting credit card transactions through a mobile device of a user. The mobile device comprises an image acquisition unit and a mobile application operated by the mobile device. The system enables acquiring an image of a client's credit card, using the image acquisition unit; analyzing data of the image; outputting details of the credit card from the analysis; verifying the output details, wherein the verification is further carried out through the mobile application; verifying authorization of inputted monetary transaction, wherein the mobile application enables verifying the authorization by communicating with the billing center, associated with at least one credit company associated with the credit card over at least one communication network, wherein the communication is carried out by the mobile application using the mobile device; and conducting monetary transactions using the verified credit card details.

    摘要翻译: 一种用于通过用户的移动设备进行信用卡交易的系统和方法。 移动设备包括由移动设备操作的图像获取单元和移动应用。 该系统使用图像获取单元获取客户信用卡的图像; 分析图像的数据; 从分析中输出信用卡的细节; 验证输出细节,其中通过移动应用进一步执行验证; 验证所输入的货币交易的授权,其中所述移动应用能够通过至少一个通信网络与所述信用卡相关联的至少一个信用公司与所述计费中心进行通信来验证所述授权,其中所述通信由所述移动 使用移动设备的应用; 并使用经过验证的信用卡详细信息进行货币交易。

    Mobile phone payment system using integrated camera credit card reader
    9.
    发明授权
    Mobile phone payment system using integrated camera credit card reader 有权
    手机支付系统采用集成摄像机信用卡阅读器

    公开(公告)号:US09269010B2

    公开(公告)日:2016-02-23

    申请号:US12502269

    申请日:2009-07-14

    摘要: A system and a method for conducting credit card transactions through a mobile device of a user. The mobile device comprises an image acquisition unit and a mobile application operated by the mobile device. The system enables acquiring an image of a client's credit card, using the image acquisition unit; analyzing data of the image; outputting details of the credit card from the analysis; verifying the output details, wherein the verification is further carried out through the mobile application; verifying authorization of inputted monetary transaction, wherein the mobile application enables verifying the authorization by communicating with the billing center, associated with at least one credit company associated with the credit card over at least one communication network, wherein the communication is carried out by the mobile application using the mobile device; and conducting monetary transactions using the verified credit card details.

    摘要翻译: 一种用于通过用户的移动设备进行信用卡交易的系统和方法。 移动设备包括由移动设备操作的图像获取单元和移动应用。 该系统使用图像获取单元获取客户信用卡的图像; 分析图像的数据; 从分析中输出信用卡的细节; 验证输出细节,其中通过移动应用进一步执行验证; 验证所输入的货币交易的授权,其中所述移动应用能够通过至少一个通信网络与所述信用卡相关联的至少一个信用公司与所述计费中心进行通信来验证所述授权,其中所述通信由所述移动 使用移动设备的应用; 并使用经过验证的信用卡详细信息进行货币交易。

    Mobile Phone Payment System using Integrated Camera Credit Card Reader
    10.
    发明申请
    Mobile Phone Payment System using Integrated Camera Credit Card Reader 有权
    使用集成相机信用卡读卡器的手机支付系统

    公开(公告)号:US20100008535A1

    公开(公告)日:2010-01-14

    申请号:US12502269

    申请日:2009-07-14

    摘要: A system and a method for conducting credit card transactions through a mobile device of a user. The mobile device comprises an image acquisition unit and a mobile application operated by the mobile device. The system enables acquiring an image of a client's credit card, using the image acquisition unit; analyzing data of the image; outputting details of the credit card from the analysis; verifying the output details, wherein the verification is further carried out through the mobile application; verifying authorization of inputted monetary transaction, wherein the mobile application enables verifying the authorization by communicating with the billing center, associated with at least one credit company associated with the credit card over at least one communication network, wherein the communication is carried out by the mobile application using the mobile device; and conducting monetary transactions using the verified credit card details.

    摘要翻译: 一种用于通过用户的移动设备进行信用卡交易的系统和方法。 移动设备包括由移动设备操作的图像获取单元和移动应用。 该系统使用图像获取单元获取客户信用卡的图像; 分析图像的数据; 从分析中输出信用卡的细节; 验证输出细节,其中通过移动应用进一步执行验证; 验证所输入的货币交易的授权,其中所述移动应用能够通过至少一个通信网络与所述信用卡相关联的至少一个信用公司与所述计费中心进行通信来验证所述授权,其中所述通信由所述移动 使用移动设备的应用; 并使用经过验证的信用卡详细信息进行货币交易。