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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。

3. 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。

4. 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。

5. 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。

6. 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。

7. 发明授权

US06609654B1 Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions 有权
标题翻译：用于允许用户定制使用为多个交易生成不同支付卡号码的支付卡的方法
公开(公告)号：US06609654B1
公开(公告)日：2003-08-26
申请号：US09667161
申请日：2000-09-21
申请人： Roy L. Anderson , William R. Bryant, Jr. , Jacob Y. Wong
发明人： Roy L. Anderson , William R. Bryant, Jr. , Jacob Y. Wong
IPC分类号： G06F1760
CPC分类号： G06K19/06196 , G06Q20/10 , G06Q20/341 , G06Q20/3415 , G06Q20/3576 , G06Q20/4093 , G07F7/1008
摘要： A user can customize use of a payment card, which can be an electronic card, by selecting either a first or a second user key as a selected user key. The selected user key is entered into a card number generator that uses it and a user sequence number to generate a user payment card number that differs for each transaction through use of an algorithm. Multiple payment card transactions can be handled differently depending upon which user key is chosen as the selected user key. Different user keys can be used for different accounts, different types of transactions, or to classify the transactions. A user can receive one bill, or multiple bills. Different levels of privacy can be accorded to transactions that use different user keys. A user may pay the issuer for increased security, or the user may be paid by the issuer to allow transaction data to be distributed to third parties.
摘要翻译：用户可以通过选择第一或第二用户密钥作为所选用户密钥来定制使用可以是电子卡的支付卡。所选择的用户密钥被输入到使用它的卡号生成器和用户序列号以生成通过使用算法对于每个事务而不同的用户支付卡号。可以根据选择哪个用户密钥作为所选择的用户密钥来不同地处理多个支付卡交易。不同的用户密钥可用于不同的帐户，不同类型的交易，或者对交易进行分类。用户可以收到一张单据，或多张单据。可以对使用不同用户密钥的事务给予不同级别的隐私。用户可以向发行者支付增加的安全性，或者用户可以由发行者支付以允许将交易数据分发给第三方。

8. 发明授权

US5937394A System and method for pseudo cash transactions with credit back 失效
标题翻译：伪现金交易的系统和方法
公开(公告)号：US5937394A
公开(公告)日：1999-08-10
申请号：US971416
申请日：1997-11-17
申请人： Jacob Y. Wong , Roy L. Anderson
发明人： Jacob Y. Wong , Roy L. Anderson
IPC分类号： G06Q20/06 , G06Q20/08 , G06Q20/10 , G06Q20/22 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G07F7/08 , G06F17/60
CPC分类号： G06Q20/385 , G06Q20/06 , G06Q20/065 , G06Q20/085 , G06Q20/10 , G06Q20/1085 , G06Q20/29 , G06Q20/363 , G06Q20/40 , G06Q20/401 , G06Q30/0601 , G06Q30/0609 , G06Q30/0615 , G06Q40/00 , G06Q40/025 , G07F7/0866
摘要： A system and method for pseudo cash transactions allows a portion of the pseudo cash to be refunded through use of a credit back indicator which is used by a record adjuster to adjust the file associated with a pseudo cash unit which can then be accessed by the user with a user identifier to obtain a refund or credit.
摘要翻译：用于伪现金交易的系统和方法允许通过使用由记录调整器使用的信用回调指示符来退还部分虚拟现金以调整与伪现金单元相关联的文件，然后可以由用户访问具有用户标识符以获得退款或信用。

9. 发明授权

US07748616B2 Method for implementing anonymous credit card transactions using a fictitious account name 失效
标题翻译：使用虚构帐户名称实施匿名信用卡交易的方法
公开(公告)号：US07748616B2
公开(公告)日：2010-07-06
申请号：US10968398
申请日：2004-10-18
申请人： Jacob Y. Wong , Roy L. Anderson
发明人： Jacob Y. Wong , Roy L. Anderson
IPC分类号： G06K5/00 , G06Q20/00
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： A method for implementing an anonymous face to face or Mail Order Telephone Order credit card transaction by a user who has established a user account associated with a fictitious name. The user generates a valid personal charge number by executing an algorithm in a computer affixed to the electronic credit card that uses a user key and a card number as input variables. A merchant is provided with the valid personal charge number and the fictitious name that is submitted for approval to a credit approval center. The electronic credit card is sized such that a standard magnetic stripe reader can read it.
摘要翻译：用于建立与虚构名称相关联的用户帐户的用户实现匿名面对面或邮购电话订单信用卡交易的方法。用户通过在附加到使用用户密钥和卡号作为输入变量的电子信用卡的计算机中执行算法来生成有效的个人收费号码。向商家提供有效的个人收费号码和提交给信用审批中心批准的虚构名称。电子信用卡的尺寸使得标准磁条读取器可以读取它。

10. 发明授权

US5913203A System and method for pseudo cash transactions 失效
标题翻译：伪现金交易的系统和方法
公开(公告)号：US5913203A
公开(公告)日：1999-06-15
申请号：US720785
申请日：1996-10-03
申请人： Jacob Y. Wong , Roy L. Anderson
发明人： Jacob Y. Wong , Roy L. Anderson
IPC分类号： G06Q20/06 , G06Q20/08 , G06Q20/10 , G06Q20/22 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G07F7/08 , G06F17/60
CPC分类号： G06Q20/385 , G06Q20/06 , G06Q20/065 , G06Q20/085 , G06Q20/10 , G06Q20/1085 , G06Q20/29 , G06Q20/363 , G06Q20/40 , G06Q20/401 , G06Q30/0601 , G06Q30/0609 , G06Q30/0615 , G06Q40/00 , G06Q40/025 , G07F7/0866
摘要： Totally anonymous or effectively anonymous cash-like transactions are accomplished by using a pseudo cash data package converter for inserting a user key into a pseudo cash preliminary data packet through the use of a user insertion key to generate a pseudo cash unit with a fixed monetary value that can be used to purchase goods or services via the Internet. A pseudo cash repository facilitates the cash-like transactions and maintains a record of the pseudo cash units and their fixed monetary value. Depending upon the level of anonymity selected by a purchaser, the pseudo cash repository can either transmit pseudo cash preliminary data packets or pseudo cash units to a first entity. If the first entity loses an effectively anonymous pseudo cash preliminary data packet, it can be replaced by the pseudo cash repository without risk of loss.
摘要翻译：通过使用伪现金数据包转换器通过使用用户插入密钥将用户密钥插入到伪现金初始数据包中以产生具有固定货币价值的伪现金单元来完成匿名或有效的匿名现金类交易可用于通过互联网购买商品或服务。伪现金储备库促进了类似现金的交易，并保留了伪现金单位及其固定货币价值的记录。根据购买者选择的匿名级别，伪现金库可以将伪现金初步数据包或伪现金单元发送到第一实体。如果第一个实体失去有效的匿名伪现金初始数据包，则可以由伪现金库替换，而不会有损失的风险。

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