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    • 4. 发明申请
    • SYSTEM AND METHOD FOR ELECTRONIC CHECK VERIFICATION OVER A NETWORK
    • 用于通过网络进行电子校验验证的系统和方法
    • WO2006039364A2
    • 2006-04-13
    • PCT/US2005/034922
    • 2005-10-01
    • SOLIDUS NETWORKS, INC. D/B/A/ PAY BY TOUCHZIEGLER, Robert
    • ZIEGLER, Robert
    • G06Q99/00
    • G06F21/32G06F21/31G06F21/36G06F21/445G06F21/57G06F21/602G06F21/6245G06Q20/04G06Q20/0425G06Q20/10G06Q20/12G06Q20/4014G06Q30/06
    • A method is disclosed of authenticating a consumer and authorizing a transaction over a network. The method is includes a first requesting, by a user, performance of a transaction between said user and a merchant, the user and the merchant performing the transaction over a non-secure web page. The user, then enters transaction request information into a non-secure general purpose computer, and then enters a PIN into a graphic interface of the non-secure web page on the non-secure general purpose computer, providing, by the non-secure general purpose computer, the transaction request information and a PIN data package, the PIN data package being a digital representation of an impression of the users selection of at least one graphic image representing their PIN to a secure transaction manager via an internet system. The transaction manager then combines at least one of dynamic and corollary data with the PIN data package and securely provides the combination to a hardware security module (HSM). The HSM then distills the PIN data package into a PIN and encrypting the PIN Block. Thereafter; the remainder of the transaction is performed.
    • 公开了一种认证消费者并通过网络授权交易的方法。 该方法包括由用户首先请求所述用户和商家之间的交易的执行,用户和商家通过非安全网页执行交易。 然后,用户将交易请求信息输入到非安全通用计算机中,然后将PIN输入到非安全通用计算机上的非安全网页的图形界面中,由非安全通用计算机 所述交易请求信息和PIN数据包,所述PIN数据包是所述用户对通过互联网系统向安全交易管理器选择代表他们的PIN的至少一个图形图像的印象的数字表示。 事务管理器然后将动态数据和推论数据中的至少一个与PIN数据包组合并且将组合安全地提供给硬件安全模块(HSM)。 然后,HSM将PIN数据包提取成PIN并加密PIN块。 其后; 交易的其余部分将被执行。
    • 9. 发明授权
    • Magnetic stripe reader with card swipe information feedback
    • 磁条阅读器带刷卡信息反馈
    • US09129166B2
    • 2015-09-08
    • US14166763
    • 2014-01-28
    • Chi Wah LoHwai Sian Tsai
    • Chi Wah LoHwai Sian Tsai
    • G06K7/08
    • G06K7/084
    • A magnetic card reader module includes a magnetic sensor and an adjacent groove, a microcontroller and an application. The magnetic sensor is configured to pick-up an analog magnetic signal generated by swiping a magnetic stripe through the groove. The magnetic stripe is attached to a card and comprises tracks with magnetically encoded data. The microcontroller is configured to convert the analog magnetic signal into a digital signal. The application is configured to analyze the digital signal, and to perform soft-decision decode of the digital signal and to generate an output comprising the magnetically encoded data and side information providing card swipe information feedback.
    • 磁卡阅读器模块包括磁传感器和相邻凹槽,微控制器和应用。 磁传感器被配置为拾取通过沟槽滑动磁条而产生的模拟磁信号。 磁条附着在卡片上,并包括具有磁编码数据的轨道。 微控制器被配置为将模拟磁信号转换为数字信号。 该应用被配置为分析数字信号,并且执行数字信号的软判决解码,并且生成包括磁编码数据和提供卡刷卡信息反馈的侧信息的输出。