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1. 发明授权

US06805288B2 Method for generating customer secure card numbers subject to use restrictions by an electronic card 有权
标题翻译：根据电子卡的使用限制产生客户安全卡号的方法
公开(公告)号：US06805288B2
公开(公告)日：2004-10-19
申请号：US09960714
申请日：2001-09-21
申请人： Larry Routhenstein , Roy L. Anderson , William R. Bryant , Jacob Y. Wong
发明人： Larry Routhenstein , Roy L. Anderson , William R. Bryant , Jacob Y. Wong
IPC分类号： G06K500
CPC分类号： G06K19/06206 , G06K19/06196 , G06Q20/10 , G06Q20/105 , G06Q20/206 , G06Q20/341 , G06Q20/3415 , G06Q20/3576 , G06Q20/3674 , G06Q20/382 , G06Q20/383 , G06Q20/4093 , G07F7/1008
摘要： A method for providing secure transactions generates a Secure Card Number (“SCN”) for a first entity that is transferred with a first entity identifier to a second entity and then to a money source that verifies that the transaction is valid by use of the first entity identifier and the SCN. The SCN includes a Transaction Information Block (“TIB”) used for invoking one or more restrictions on use of the SCN, a Counter Block, and an encrypted Personal Identification Number (“PIN”) Block. The SCN is transferred to the money source in an account number or a non-account data field. The TIB can be used by the money source to determine which of multiple account numbers associated with the first entity should be used for the first transaction. The money source can also use the TIB to determine whether the device which generated the SCN has a changed status condition, such as a low battery condition or an invalid user entry status. The low battery condition may be determined either by a diagnostic program or by an empirical record of the number of transactions presented for authorization.
摘要翻译：一种用于提供安全交易的方法为第一实体产生一个安全卡号（“SCN”），该第一实体用第一实体标识符传送给第二实体，然后通过使用第一实体验证交易是有效的货币来源实体标识符和SCN。 SCN包括用于调用对SCN的使用的一个或多个限制的事务信息块（“TIB”），计数器块和加密的个人识别码（“PIN”）块。将SCN转移到货币来源，帐号或非帐户数据字段。货币来源可以使用TIB来确定与第一实体相关联的多个帐号中的哪一个应该用于第一个交易。钱源还可以使用TIB来确定生成SCN的设备是否具有改变的状态条件，例如电池电量不足或无效的用户输入状态。电池电量不足的情况可以通过诊断程序或通过授权授权交易次数的实证记录来确定。

2. 发明授权

US08690055B2 Electronic card 有权
标题翻译：电子卡
公开(公告)号：US08690055B2
公开(公告)日：2014-04-08
申请号：US13438710
申请日：2012-04-03
申请人： Roy L. Anderson , Jacob Y Wong , Larry Routhenstein
发明人： Roy L. Anderson , Jacob Y Wong , Larry Routhenstein
IPC分类号： G07F19/00 , G06K5/00
CPC分类号： G06K19/06206 , G06K19/06196 , G06Q20/10 , G06Q20/105 , G06Q20/206 , G06Q20/341 , G06Q20/3415 , G06Q20/3576 , G06Q20/3674 , G06Q20/382 , G06Q20/383 , G06Q20/4093 , G07F7/1008
摘要： An electronic card has a power source, a user selection mechanism operable to allow a user to select a customization variable for a single transaction, a processor for generating a transaction specific data packet that includes a card number and a customized number and an electronic communication device operable to cause the data packet to be read by a read head of a magnetic strip reader. The electronic communication device is operable to dynamically convey the transaction specific data packet to a read head of a magnetic card reader so that the transaction specific data packet is read by the read head. The transaction specific data packet is dynamically generated for use by the card for the single transaction of the card and the customized number is determined based upon the customization variable selected by the user selection mechanism.
摘要翻译：电子卡具有电源，用户选择机构，其可操作以允许用户为单个交易选择定制变量;处理器，用于生成包括卡号和定制号码的交易特定数据分组，以及电子通信设备可操作以使数据包由磁条读取器的读取头读取。电子通信设备可操作以将交易特定数据分组动态地传送到磁卡阅读器的读头，以便由读头读取交易特定数据分组。动态地生成交易特定数据包以供卡用于卡的单个交易，并且基于由用户选择机制选择的定制变量来确定定制号码。

3. 发明申请

US20120317037A1 Methods for Providing Secure Transactions 审中-公开
标题翻译：提供安全事务的方法
公开(公告)号：US20120317037A1
公开(公告)日：2012-12-13
申请号：US13528062
申请日：2012-06-20
申请人： Larry Routhenstein , Roy L. Anderson , Jacob Y. Wong
发明人： Larry Routhenstein , Roy L. Anderson , Jacob Y. Wong
IPC分类号： G06Q20/40
CPC分类号： G06K19/06206 , G06K19/06196 , G06Q20/10 , G06Q20/105 , G06Q20/206 , G06Q20/341 , G06Q20/3415 , G06Q20/3576 , G06Q20/3674 , G06Q20/382 , G06Q20/383 , G06Q20/4093 , G07F7/1008
摘要： Methods in which an encrypted transaction validation code is received which positively identifies a first transaction for a first entity, the first entity having a first entity identifier, and the first transaction is electronically verified as being valid by use of the first entity identifier and the validation code. The first entity identifier can be transferred as an account number and the validation code transferred to the money source in a non-account data field. A money source can validate the validation code by duplicating the encryption process used to create the validation code and by then comparing the result to the validation code received. The validation code can be, at least in part, encrypted, and a money source can validate the validation code by duplicating a validation code encryption process and by then comparing the result to the validation code received.
摘要翻译：接收加密的交易确认代码的方法，该代码确定地标识第一实体的第一交易，具有第一实体标识符的第一实体和第一交易通过使用第一实体标识符和验证被电子地验证为有效码。可以将第一个实体标识符作为帐号传输，并将验证码转移到非帐户数据字段中的货币来源。资金来源可以通过复制用于创建验证码的加密过程，然后将结果与收到的验证码进行比较来验证验证码。验证码可以至少部分地被加密，并且钱源可以通过复制验证代码加密过程并且然后将结果与接收到的验证码进行比较来验证验证码。

4. 发明申请

US20140231527A1 Electronic Card 审中-公开
标题翻译：电子卡
公开(公告)号：US20140231527A1
公开(公告)日：2014-08-21
申请号：US14188491
申请日：2014-02-24
申请人： Roy L. Anderson , Jacob Y. Wong , Larry Routhenstein
发明人： Roy L. Anderson , Jacob Y. Wong , Larry Routhenstein
IPC分类号： G06K19/06
CPC分类号： G06K19/06206 , G06K19/06196 , G06Q20/10 , G06Q20/105 , G06Q20/206 , G06Q20/341 , G06Q20/3415 , G06Q20/3576 , G06Q20/3674 , G06Q20/382 , G06Q20/383 , G06Q20/4093 , G07F7/1008
摘要： An electronic card has a power source, a user selection mechanism operable to allow a user to select a customization variable for a single transaction, a processor for generating a transaction specific data packet that includes a card number and a customized number and an electronic communication device operable to cause the data packet to be read by a read head of a magnetic strip reader. The electronic communication device is operable to dynamically convey the transaction specific data packet to a read head of a magnetic card reader so that the transaction specific data packet is read by the read head. The transaction specific data packet is dynamically generated for use by the card for the single transaction of the card and the customized number is determined based upon the customization variable selected by the user selection mechanism.
摘要翻译：电子卡具有电源，用户选择机构，其可操作以允许用户为单个交易选择定制变量;处理器，用于生成包括卡号和定制号码的交易特定数据分组，以及电子通信设备可操作以使数据包由磁条读取器的读取头读取。电子通信设备可操作以将交易特定数据分组动态地传送到磁卡阅读器的读头，以便由读头读取交易特定数据分组。动态地生成交易特定数据包以供卡用于卡的单个交易，并且基于由用户选择机制选择的定制变量来确定定制号码。

5. 发明申请

US20120265689A1 Methods for Customizing Secured Transactions that are Verified by a Money Source 审中-公开
标题翻译：通过资金来源验证的安全交易的自定义方法
公开(公告)号：US20120265689A1
公开(公告)日：2012-10-18
申请号：US13529713
申请日：2012-06-21
申请人： Larry Routhenstein , Roy L. Anderson , Jacob Y. Wong
发明人： Larry Routhenstein , Roy L. Anderson , Jacob Y. Wong
IPC分类号： G06Q20/40
CPC分类号： G06K19/06206 , G06K19/06196 , G06Q20/10 , G06Q20/105 , G06Q20/206 , G06Q20/341 , G06Q20/3415 , G06Q20/3576 , G06Q20/3674 , G06Q20/382 , G06Q20/383 , G06Q20/4093 , G07F7/1008
摘要： Methods for providing secure transactions in which a customization parameter and an encrypted transaction validation code are received from a user to positively identify a transaction for a user who has a first entity identifier. The validation code and first entity identifier are used by a money source which electronically verifies that the transaction is valid by use of the first entity identifier and the validation code while the first transaction is customized through use of the customization parameter.
摘要翻译：用于提供安全事务的方法，其中从用户接收定制参数和加密事务验证码，以便为具有第一实体标识符的用户肯定地标识事务。货币来源使用验证码和第一实体标识符，该货币来源通过使用第一实体标识符和验证码电子地验证交易是有效的，而第一交易是通过使用定制参数来定制的。

6. 发明申请

US20120205443A1 Electronic Card 有权
标题翻译：电子卡
公开(公告)号：US20120205443A1
公开(公告)日：2012-08-16
申请号：US13438710
申请日：2012-04-03
申请人： Larry Routhenstein , Roy L. Anderson , Jacob Y. Wong
发明人： Larry Routhenstein , Roy L. Anderson , Jacob Y. Wong
IPC分类号： G06K5/00
CPC分类号： G06K19/06206 , G06K19/06196 , G06Q20/10 , G06Q20/105 , G06Q20/206 , G06Q20/341 , G06Q20/3415 , G06Q20/3576 , G06Q20/3674 , G06Q20/382 , G06Q20/383 , G06Q20/4093 , G07F7/1008
摘要： An electronic card ha a power source, a user selection mechanism operable to allow a user to select a customization variable for a single transaction, a processor for generating a transaction specific data packet that includes a card number and a customized number and an electronic communication device operable to cause the data packet to be read by a read head of a magnetic strip reader. The electronic communication device is operable to dynamically convey the transaction specific data packet to a read head of a magnetic card reader so that the transaction specific data packet is read by the read head. The transaction specific data packet is dynamically generated for use by the card for the single transaction of the card and the customized number is determined based upon the customization variable selected by the user selection mechanism.
摘要翻译：一种具有电源的电子卡，用于允许用户选择用于单个交易的定制变量的用户选择机构，用于生成包括卡号和定制号码的交易特定数据分组的处理器和电子通信设备可操作以使数据包由磁条读取器的读取头读取。电子通信设备可操作以将交易特定数据分组动态地传送到磁卡阅读器的读头，以便由读头读取交易特定数据分组。动态地生成交易特定数据包以供卡用于卡的单个交易，并且基于由用户选择机制选择的定制变量来确定定制号码。

7. 发明申请

US20070239622A1 Method for generating customer secure card numbers 审中-公开
公开(公告)号：US20070239622A1
公开(公告)日：2007-10-11
申请号：US11728053
申请日：2007-03-23
申请人： Larry Routhenstein
发明人： Larry Routhenstein
IPC分类号： G06Q99/00
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/382 , G06Q20/3821 , G06Q20/3823 , G06Q20/385 , G07F7/10 , G07F7/12
摘要： A method for providing secure transactions generates a Secure Card Number (“SCN”) for a first entity that is transferred with a first entity identifier to a second entity and then to a money source that verifies that the transaction is valid by use of the first entity identifier and the SCN. The SCN includes a Transaction Information Block (“TIB”), a Counter Block, and an encrypted Personal Identification Number (“PIN”) Block. The SCN is transferred to the money source in an account number or a non-account data field. The money source can use the TIB to determine whether the SCN should be used once or multiple times or to identify one of several physical devices, all of which are issued to the first entity, used to generate the SCN. The money source validates the SCN by duplicating the encryption process used to create an encrypted PIN Block and comparing the result to the encrypted PIN Block received with the transaction. A Triple Data Encryption Standard algorithm encrypts a PIN Block generated from a PIN, a Sequence Insertion Number (“SIN”) and a known starting value. The SIN can be a combination of three seed values and a random value generated by a Pseudo Random Number Generator (“PRNG”) initialized with the seed values. A Counter value is associated with the Counter Block and the seed values.

8. 发明授权

US07874480B2 Systems and methods for providing secure transactions 有权
标题翻译：提供安全交易的系统和方法
公开(公告)号：US07874480B2
公开(公告)日：2011-01-25
申请号：US11684577
申请日：2007-03-09
申请人： Larry Routhenstein
发明人： Larry Routhenstein
IPC分类号： G06K5/00 , G06F17/00 , G06F7/08 , G07F19/00
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/382 , G06Q20/3821 , G06Q20/3823 , G06Q20/385 , G07F7/10 , G07F7/12
摘要： A method for providing secure transactions generates a Secure Card Number (“SCN”) for a first entity that is transferred with a first entity identifier to a second entity and then to a money source that verifies that the transaction is valid by use of the first entity identifier and the SCN. The SCN includes a Transaction Information Block (“TIB”), a Counter Block, and an encrypted Personal Identification Number (“PIN”) Block. The SCN is transferred to the money source in an account number or a non-account data field. The money source can use the TIB to determine whether the SCN should be used once or multiple times or to identify one of several physical devices, all of which are issued to the first entity, used to generate the SCN. The money source validates the SCN by duplicating the encryption process used to create an encrypted PIN Block and comparing the result to the encrypted PIN Block received with the transaction. A Triple Data Encryption Standard algorithm encrypts a PIN Block generated from a PIN, a Sequence Insertion Number (“SIN”) and a known starting value. The SIN can be a combination of three seed values and a random value generated by a Pseudo Random Number Generator (“PRNG”) initialized with the seed values. A Counter value is associated with the Counter Block and the seed values.
摘要翻译：一种用于提供安全交易的方法为第一实体产生一个安全卡号（“SCN”），该第一实体用第一实体标识符传送给第二实体，然后通过使用第一实体验证交易是有效的货币来源实体标识符和SCN。 SCN包括交易信息块（“TIB”），计数器块和加密的个人识别码（“PIN”）块。将SCN转移到货币来源，帐号或非帐户数据字段。钱源可以使用TIB来确定是否应该使用一次或多次SCN，或者识别用于生成SCN的所有发送到第一实体的物理设备之一。资金来源通过复制用于创建加密的PIN块的加密过程来验证SCN，并将结果与与交易接收的加密PIN块进行比较。三重数据加密标准算法加密从PIN生成的PIN块，序列插入号（“SIN”）和已知的起始值。 SIN可以是由种子值初始化的伪随机数生成器（“PRNG”）生成的三个种子值和随机值的组合。计数器值与计数器块和种子值相关联。

9. 发明授权

US07559464B2 Method for generating customer secure card numbers 有权
标题翻译：生成客户安全卡号的方法
公开(公告)号：US07559464B2
公开(公告)日：2009-07-14
申请号：US11657712
申请日：2007-01-23
申请人： Larry Routhenstein
发明人： Larry Routhenstein
IPC分类号： G06K5/00 , G06F17/00
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/382 , G06Q20/3821 , G06Q20/3823 , G06Q20/385 , G07F7/10 , G07F7/12
摘要： A method for providing secure transactions generates a Secure Card Number (“SCN”) for a first entity that is transferred with a first entity identifier to a second entity and then to a money source that verifies that the transaction is valid by use of the first entity identifier and the SCN. The SCN includes a Transaction Information Block (“TIB”), a Counter Block, and an encrypted Personal Identification Number (“PIN”) Block. The SCN is transferred to the money source in an account number or a non-account data field. The money source can use the TIB to determine whether the SCN should be used once or multiple times or to identify one of several physical devices, all of which are issued to the first entity, used to generate the SCN. The money source validates the SCN by duplicating the encryption process used to create an encrypted PIN Block and comparing the result to the encrypted PIN Block received with the transaction. A Triple Data Encryption Standard algorithm encrypts a PIN Block generated from a PIN, a Sequence Insertion Number (“SIN”) and a known starting value. The SIN can be a combination of three seed values and a random value generated by a Pseudo Random Number Generator (“PRNG”) initialized with the seed values. A Counter value is associated with the Counter Block and the seed values.
摘要翻译：一种用于提供安全交易的方法为第一实体产生一个安全卡号（“SCN”），该第一实体用第一实体标识符传送给第二实体，然后通过使用第一实体验证交易是有效的货币来源实体标识符和SCN。 SCN包括交易信息块（“TIB”），计数器块和加密的个人识别码（“PIN”）块。将SCN转移到货币来源，帐号或非帐户数据字段。钱源可以使用TIB来确定是否应该使用一次或多次SCN，或者识别用于生成SCN的所有发送到第一实体的物理设备之一。资金来源通过复制用于创建加密的PIN块的加密过程来验证SCN，并将结果与与交易接收的加密PIN块进行比较。三重数据加密标准算法加密从PIN生成的PIN块，序列插入号（“SIN”）和已知的起始值。 SIN可以是由种子值初始化的伪随机数生成器（“PRNG”）生成的三个种子值和随机值的组合。计数器值与计数器块和种子值相关联。

10. 发明授权

US07503485B1 Method for generating customer secure card numbers 有权
标题翻译：生成客户安全卡号的方法
公开(公告)号：US07503485B1
公开(公告)日：2009-03-17
申请号：US11690113
申请日：2007-03-22
申请人： Larry Routhenstein
发明人： Larry Routhenstein
IPC分类号： G06K5/00 , G06F17/00
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/382 , G06Q20/3821 , G06Q20/3823 , G06Q20/385 , G07F7/10 , G07F7/12
摘要： A method for providing secure transactions generates a Secure Card Number (“SCN”) for a first entity that is transferred with a first entity identifier to a second entity and then to a money source that verifies that the transaction is valid by use of the first entity identifier and the SCN. The SCN includes a Transaction Information Block (“TIB”), a Counter Block, and an encrypted Personal Identification Number (“PIN”) Block. The SCN is transferred to the money source in an account number or a non-account data field. The money source can use the TIB to determine whether the SCN should be used once or multiple times or to identify one of several physical devices, all of which are issued to the first entity used to generate the SCN. The money source validates the SCN by duplicating the encryption process used to create an encrypted PIN Block and comparing the result to the encrypted PIN Block received with the transaction. A Triple Data Encryption Standard algorithm encrypts a PIN Block generated from a PIN, a Sequence Insertion Number (“SIN”) and a known starting value. The SIN can be a combination of three seed values and a random value generated by a Pseudo Random Number Generator (“PRNG”) initialized with the seed values. A Counter value is associated with the Counter Block and the seed values.
摘要翻译：一种用于提供安全交易的方法为第一实体产生一个安全卡号（“SCN”），该第一实体用第一实体标识符传送给第二实体，然后通过使用第一实体验证交易是有效的货币来源实体标识符和SCN。 SCN包括交易信息块（“TIB”），计数器块和加密的个人识别码（“PIN”）块。将SCN转移到货币来源，帐号或非帐户数据字段。钱源可以使用TIB来确定是否应该使用一次或多次SCN或者识别几个物理设备中的一个，所有这些物理设备都被发布到用于生成SCN的第一实体。资金来源通过复制用于创建加密的PIN块的加密过程来验证SCN，并将结果与与交易接收的加密PIN块进行比较。三重数据加密标准算法加密从PIN生成的PIN块，序列插入号（“SIN”）和已知的起始值。 SIN可以是由种子值初始化的伪随机数生成器（“PRNG”）生成的三个种子值和随机值的组合。计数器值与计数器块和种子值相关联。

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