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31. 发明授权

US07991698B2 Method and apparatus for executing cryptographically-enabled letters of credit 有权
标题翻译：用于执行加密功能的信用证的方法和装置
公开(公告)号：US07991698B2
公开(公告)日：2011-08-02
申请号：US11103906
申请日：2005-04-12
申请人： Jay S. Walker , Bruce Schneier
发明人： Jay S. Walker , Bruce Schneier
IPC分类号： G06F17/60
CPC分类号： G06Q20/401 , G06Q20/00 , G06Q20/02 , G06Q20/0855 , G06Q20/10 , G06Q20/382 , G06Q20/3821 , G06Q20/38215
摘要： A method and apparatus for executing electronic transactions using cryptographically-enabled accounts stores cryptographically-enabled account information and instructions, receives a cryptographically-encoded permission certificate, and processes the received permission certificate to execute the transactions.
摘要翻译：一种用于执行使用加密功能的帐户的电子交易的方法和装置存储具有加密功能的帐户信息和指令，接收加密编码的许可证书，并处理所接收的许可证书以执行交易。

32. 发明申请

US20100306105A1 METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER 审中-公开
公开(公告)号：US20100306105A1
公开(公告)日：2010-12-02
申请号：US12857056
申请日：2010-08-16
申请人： JAY S. WALKER , Bruce Schneier , Sanjay K. Jindal , Daniel E. Tedesco
发明人： JAY S. WALKER , Bruce Schneier , Sanjay K. Jindal , Daniel E. Tedesco
IPC分类号： G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/206 , G06Q20/385 , G06Q20/40 , G06Q20/4012 , G06Q40/02 , G06Q40/025 , G07F7/1016
摘要： A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction. The central processor extracts and decrypts data elements from the transmitted identifier using the private cryptographic key, compares those data elements with data elements stored in a memory, and verifies the single-use financial account identifier in accordance with the comparison.

33. 发明申请

US20100293101A1 METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER 审中-公开
标题翻译：用于生成单一使用财务帐号的方法和装置
公开(公告)号：US20100293101A1
公开(公告)日：2010-11-18
申请号：US12845189
申请日：2010-07-28
申请人： Jay S. Walker , Bruce Schneier , Sanjay K. Jindal , Daniel E. Tedesco
发明人： Jay S. Walker , Bruce Schneier , Sanjay K. Jindal , Daniel E. Tedesco
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/206 , G06Q20/385 , G06Q20/40 , G06Q20/4012 , G06Q40/02 , G06Q40/025 , G07F7/1016
摘要： A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction. The central processor extracts and decrypts data elements from the transmitted identifier using the private cryptographic key, compares those data elements with data elements stored in a memory, and verifies the single-use financial account identifier in accordance with the comparison.
摘要翻译：描述了一种用于促进金融账户交易的装置，其包括包括密码处理器的处理单元。该设备还包括连接到处理单元的输入单元，显示单元和存储设备。该存储装置包含专用加密密钥，第一数据元素和第二数据元素。处理单元使用专用密钥和第二数据元素对第一数据元素进行加密，修改第二数据元素，组合加密的第一数据元素和第二数据元素以生成一次性金融账户标识符，并显示单个 - 使用财务帐户标识符。然后，该标识符被传送到中央处理器以授权交易。中央处理器使用专用密钥从所发送的标识符中提取和解密数据元素，将这些数据元素与存储在存储器中的数据元素进行比较，并根据比较验证一次性金融帐户标识符。

34. 发明授权

US07483670B2 Method and apparatus for educational testing 有权
标题翻译：教育测试方法和装置
公开(公告)号：US07483670B2
公开(公告)日：2009-01-27
申请号：US10242490
申请日：2002-09-12
申请人： Jay S. Walker , Bruce Schneier , James A. Jorasch
发明人： Jay S. Walker , Bruce Schneier , James A. Jorasch
IPC分类号： G09B7/00 , G06F17/30
CPC分类号： G09B7/02 , Y10S707/99945
摘要： Methods and apparatuses are disclosed for computer-based evaluation of a test-taker's performance with respect to a reward threshold. A performance assessment of the test taker can be standardized or customized, as well as relative or absolute. The system allows a parentally-controlled reward system such that children who reach specified objectives can claim an award that parents are confident was fairly and honestly earned without the parent being required to proctor the testing.
摘要翻译：公开了用于基于计算机评估测试者相对于奖励阈值的表现的方法和装置。测试员的绩效评估可以被标准化或定制，以及相对或绝对。该系统允许家长控制的奖励制度，使得达到特定目标的儿童可以要求获得父母有信心的奖励，而父母无需监督检测。

35. 发明申请

US20080015022A1 METHOD AND APPARATUS FOR PROVIDING INSTRUCTIONS TO GAMING DEVICES 审中-公开
公开(公告)号：US20080015022A1
公开(公告)日：2008-01-17
申请号：US11773646
申请日：2007-07-05
申请人： Jay Walker , Bruce Schneier , James Jorasch , Andrew Van Luchene , Geoffrey Gelman , Michael Downs , Dean Alderucci
发明人： Jay Walker , Bruce Schneier , James Jorasch , Andrew Van Luchene , Geoffrey Gelman , Michael Downs , Dean Alderucci
IPC分类号： A63F9/24
CPC分类号： G07F17/323 , G06Q50/34 , G07F17/32 , G07F17/3234 , G07F17/3239 , G07F17/3288
摘要： In various embodiments a casino has the flexibility to download games from a central controller to the gaming devices on the casino floor. The success of various games is periodically monitored. If a game is successful, as measured by its profitability or by some other success metric, then the game may be downloaded automatically to additional gaming devices. If a game is unsuccessful, then the game may be replaced on a gaming device with a new download. In this way, the types and quantities of different games present on a casino floor may be varied in real time based on their popularity.

36. 发明申请

US20070162973A1 Method and System for Dynamic Network Intrusion Monitoring, Detection and Response 有权
标题翻译：动态网络入侵监控，检测和响应方法与系统
公开(公告)号：US20070162973A1
公开(公告)日：2007-07-12
申请号：US11551606
申请日：2006-10-20
申请人： Bruce Schneier , Andrew Gross , Jonathan Callas
发明人： Bruce Schneier , Andrew Gross , Jonathan Callas
IPC分类号： G06F12/14
CPC分类号： G06F21/552 , H04L63/1416 , H04L63/20
摘要： A probe attached to a customer's network collects status data and other audit information from monitored components of the network, looking for footprints or evidence of unauthorized intrusions or attacks. The probe filters and analyzes the collected data to identify potentially security-related events happening on the network. Identified events are transmitted to a human analyst for problem resolution. The analyst has access to a variety of databases (including security intelligence databases containing information about known vulnerabilities of particular network products and characteristics of various hacker tools, and problem resolution databases containing information relevant to possible approaches or solutions) to aid in problem resolution. The analyst may follow a predetermined escalation procedure in the event he or she is unable to resolve the problem without assistance from others. Various customer personnel can be alerted in a variety of ways depending on the nature of the problem and the status of its resolution. Feedback from problem resolution efforts can be used to update the knowledge base available to analysts for future attacks and to update the filtering and analysis capabilities of the probe and other systems.
摘要翻译：连接到客户网络的探头从网络的受监视组件收集状态数据和其他审核信息，寻找未经授权的入侵或攻击的脚印或证据。探测器过滤和分析收集的数据，以识别网络上发生的潜在安全相关事件。识别的事件被传送给人类分析人员以解决问题。分析人员可以访问各种数据库（包括安全情报数据库，其中包含有关特定网络产品的已知漏洞和各种黑客工具的特征的信息，以及包含与可能的方法或解决方案相关的信息的问题解决数据库），以帮助解决问题。如果分析人员无法在没有他人协助的情况下解决问题，分析师可能会遵循预定的升级程序。可以根据问题的性质和其解决状况，以各种方式提醒各种客户人员。解决问题的反馈可用于更新分析人员可用于未来攻击的知识库，并更新探测器和其他系统的过滤和分析功能。

37. 发明申请

US20060235793A1 METHOD AND APPARATUS FOR A CRYPTOGRAPHICALLY-ASSISTED COMMERICAL NETWORK SYSTEM DESIGNED TO FACILITATE AND SUPPORT EXPERT-BASED COMMERCE 审中-公开
公开(公告)号：US20060235793A1
公开(公告)日：2006-10-19
申请号：US11423758
申请日：2006-06-13
申请人： JAY WALKER , Bruce Schneier , James Jorasch
发明人： JAY WALKER , Bruce Schneier , James Jorasch
IPC分类号： G06Q40/00 , G06F7/00 , G06F17/00
CPC分类号： G06Q20/22 , G06Q10/063112 , G06Q20/085 , G06Q20/102 , G06Q20/383 , G06Q30/02 , G06Q30/06 , H04H60/33 , H04H60/56 , H04N21/25891 , H04N21/812
摘要： The present invention is an expert matching method and apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an expert request. In a preferred embodiment, the apparatus of the present invention includes a controller having a database for storing expert qualifications. In one embodiment, the controller receives an expert request. A search program identifies experts qualified to respond to the expert request. The expert request is then transmitted to the expert, which results in an expert answer transmitted to and received by the central controller. After authentication of the expert answer, using a wide range of security levels from passwords to cryptography, the answer is forwarded to the end user. The method and apparatus of the present invention have applications on the Internet as well as conventional voice telephony systems.

38. 发明授权

US07090123B2 Method and apparatus for promoting the selection and use of a transaction card 有权
标题翻译：促进选择和使用交易卡的方法和装置
公开(公告)号：US07090123B2
公开(公告)日：2006-08-15
申请号：US10849622
申请日：2004-05-19
申请人： Jay S. Walker , Bruce Schneier , Magdalena M. Fincham , James A. Jorasch , Michael D. Downs , Robert C. Tedesco
发明人： Jay S. Walker , Bruce Schneier , Magdalena M. Fincham , James A. Jorasch , Michael D. Downs , Robert C. Tedesco
IPC分类号： G06K5/00
CPC分类号： G06K19/0728 , G06K7/10079 , G06K19/0704 , G06K19/0716 , G06K19/07345 , G06K19/077 , G06K19/07703 , G06Q30/02 , G07F7/08 , G07F7/086
摘要： One embodiment of the present invention provides for detecting a physical change at a transaction card, and, in response to detecting the physical change outputting content to attract the attention of a user.
摘要翻译：本发明的一个实施例提供用于检测交易卡上的物理变化，并且响应于检测输出内容的物理变化来吸引用户的注意。

39. 发明授权

US06904418B2 Method and apparatus for executing cryptographically-enabled letters of credit 有权
标题翻译：用于执行加密功能的信用证的方法和装置
公开(公告)号：US06904418B2
公开(公告)日：2005-06-07
申请号：US10253192
申请日：2002-09-24
申请人： Jay S. Walker , Bruce Schneier
发明人： Jay S. Walker , Bruce Schneier
IPC分类号： G06Q20/00 , G06F17/60
CPC分类号： G06Q20/401 , G06Q20/00 , G06Q20/02 , G06Q20/0855 , G06Q20/10 , G06Q20/382 , G06Q20/3821 , G06Q20/38215
摘要： A method and apparatus for executing electronic transactions using cryptographically-enabled accounts stores cryptographically-enabled account information and instructions, receives a cryptographically-encoded permission certificate, and processes the received permission certificate to execute the transactions.
摘要翻译：一种用于执行使用加密功能的帐户的电子交易的方法和装置存储具有加密功能的帐户信息和指令，接收加密编码的许可证，并处理所接收的许可证以执行交易。

40. 发明授权

US06477513B1 Method and apparatus for executing cryptographically-enabled letters of credit 失效
标题翻译：用于执行加密功能的信用证的方法和装置
公开(公告)号：US06477513B1
公开(公告)日：2002-11-05
申请号：US08832832
申请日：1997-04-03
申请人： Jay S. Walker , Bruce Schneier
发明人： Jay S. Walker , Bruce Schneier
IPC分类号： G06F1760
CPC分类号： G06Q20/401 , G06Q20/00 , G06Q20/02 , G06Q20/0855 , G06Q20/10 , G06Q20/382 , G06Q20/3821 , G06Q20/38215
摘要： A method and apparatus for executing electronic transactions using cryptographically-enabled accounts stores cryptographically-enabled account information and instructions, receives a cryptographically-encoded permission certificate, and processes the received permission certificate to execute the transactions.
摘要翻译：一种用于执行使用加密功能的帐户的电子交易的方法和装置存储具有加密功能的帐户信息和指令，接收加密编码的许可证书，并处理所接收的许可证书以执行交易。

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