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11. 发明申请

US20090187507A1 SECURE FINANCIAL TRANSACTION NETWORK 审中-公开
标题翻译：安全财务交易网络
公开(公告)号：US20090187507A1
公开(公告)日：2009-07-23
申请号：US12391437
申请日：2009-02-24
申请人： Kerry D. Brown
发明人： Kerry D. Brown
IPC分类号： H04L9/32 , G06Q20/00 , G06Q40/00 , G06K5/00
CPC分类号： G07F7/08 , G06Q20/341 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/385 , G06Q20/4093 , G06Q40/00 , G07F7/1008 , G07F7/12 , G07F7/122
摘要： A secure financial transaction network works with payment cards that includes a magnetic device readable by a legacy card reader that presents dynamic magnetic data such that each use of an individual card produces a cryptographic series of variations of a respective user access code according to an encryption program seeded with secret encryption keys or initialization vectors. Data processing generates a cryptographic series of variations of respective user access codes for each and all of the plurality of payment cards, to transmit to third parties for payment card manufacturing only tables of said cryptographic series of variations of respective user access code and not said secret encryption keys or initialization vectors, and to authorize financial transaction requests from a payments processor if a user access code it receives in a transaction request is a member of said cryptographic series of variations of respective user access codes for the particular one of the plurality of payment cards.
摘要翻译：安全的金融交易网络与支付卡一起使用，其中包括可由传统卡读卡器读取的磁性设备，其呈现动态磁数据，使得每个使用个别卡片根据加密程序产生相应用户访问代码的加密系列变体用秘密加密密钥或初始化向量播种。数据处理产生用于每个和所有多个支付卡的相应用户访问代码的加密系列变体，以仅向第三方发送用于支付卡制造的相应用户访问代码的所述加密系列变体的表，而不是所述秘密加密密钥或初始化向量，并且如果在交易请求中接收到的用户访问代码是来自支付处理器的金融交易请求，则是对于多个支付中的特定一个支付的相应用户访问代码的所述加密系列变体的成员牌。

12. 发明申请

US20090164380A1 FINANCIAL TRANSACTION NETWORK 审中-公开
标题翻译：财务交易网络
公开(公告)号：US20090164380A1
公开(公告)日：2009-06-25
申请号：US12391425
申请日：2009-02-24
申请人： Kerry D. Brown
发明人： Kerry D. Brown
IPC分类号： H04L9/00 , G06Q40/00
CPC分类号： G07F7/08 , G06Q20/341 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/385 , G06Q20/4093 , G06Q40/00 , G07F7/1008 , G07F7/12 , G07F7/122
摘要： The manufacture and control of payment cards used in consumer financial transactions circulates a population of payments cards with user identification and account access codes. Each use of an individual card produces a variation of its user access code according to an encryption program seeded with encryption keys or initialization vectors. A portion of the magnetic stripe is made dynamic with a Q-Chip magnetic MEMS device. The job of personalizing payment cards with the user identification and account access codes is outsourced to a personalization company. The encryption keys and initialization vectors are kept private from the personalization company by using the encryption program to generate tables of computed results. Respective ones of the tables of computed results are sent for loading by the personalization company into new members of the population of payments cards. New payment cards are manufactured and distributed that include and operate with the tables of computed results.
摘要翻译：消费者财务交易中使用的支付卡的制造和控制通过用户识别和帐户访问代码来流通支付卡。每个使用单个卡根据加密密钥或初始化向量播种的加密程序产生其用户访问代码的变化。使用Q-Chip磁性MEMS器件使磁条的一部分变得动态。个性化带有用户识别码和帐户访问码的支付卡的工作外包给个性化公司。通过使用加密程序生成计算结果表，加密密钥和初始化向量保持私人化。计算结果表中的相应表格由个性化公司发送到新的付款卡中的成员。制造和分发新的支付卡，包括并运行计算结果表。

13. 发明申请

US20080197533A1 PAYMENT CARD MANUFACTURING TECHNOLOGY 有权
标题翻译：付款卡制造技术
公开(公告)号：US20080197533A1
公开(公告)日：2008-08-21
申请号：US11871797
申请日：2007-10-12
申请人： Paul Tsao , Kerry D. Brown
发明人： Paul Tsao , Kerry D. Brown
IPC分类号： B29C70/00
CPC分类号： G07F7/1016 , G06K19/06196 , G06K19/077 , G06K19/083 , G06Q20/385
摘要： A payment card manufacturing process glues a thin battery and an autonomously reprogrammable magnetic device to the inside surface of one of two outer front and rear laminate sheets. The magnetic device is pressed through a precisely cut rectangular hole provided for it in the rear laminate sheet, and is sealed with a gasket bead. Such magnetic device is critically placed flush in a magnetic stripe area, and the end gaps are such that they will minimize adverse magnetic transitions seen by a reader between the magnetic stripe field and the autonomously reprogrammable magnetic device. The surfaces of the battery, electronics, and laminate sheets, are plasma treated to promote adhesion. These are then all sandwiched together inside a heated mold that is tilted or vibrated just before a two-part polyurethane is injected. Each of the two polyurethane parts is temperature adjusted to match viscosities and thus improve mixing. The liquid polyurethane is injected through a nozzle and manifold to fill all the voids between the laminate sheets, and air escapes or is vacuumed out the top edge of the mold. The polyurethane sets quickly and sheets of sixteen or more payment cards can then be de-molded and singulated.
摘要翻译：支付卡制造工艺将薄电池和自主可编程磁性装置粘合到两个外前层和后层叠片之一的内表面。磁性装置通过在后层叠片中为其提供的精确切割的矩形孔压制，并用垫圈珠密封。这种磁性装置在磁条区域中被精确地放置在一起，并且端部间隙使得它们将使读取器在磁条磁场和自主可编程磁性装置之间看到的不利磁转移最小化。电池，电子和层压片的表面被等离子体处理以促进粘附。然后将它们全部夹在加热的模具内，在刚刚注入两部分聚氨酯之前倾斜或振动。两个聚氨酯部件中的每一个都进行温度调节以匹配粘度，从而改善混合。液体聚氨酯通过喷嘴和歧管注入以填充层压板之间的所有空隙，并且空气逸出或者从模具的顶部边缘被抽出。聚氨酯快速组装，然后可以对16张或更多张支付卡的纸张进行模制和分割。

14. 发明授权

US07380710B2 Payment card preloaded with unique numbers 有权
标题翻译：支付卡预先加载了唯一的号码
公开(公告)号：US07380710B2
公开(公告)日：2008-06-03
申请号：US11767759
申请日：2007-06-25
申请人： Kerry D. Brown
发明人： Kerry D. Brown
IPC分类号： G06K5/00 , G06K19/06 , H04K1/00 , H04L9/00
CPC分类号： G07F7/10 , G06Q20/105 , G06Q20/3672 , G06Q20/385
摘要： A conventional looking payment card comprises a plastic card with a legacy card reader compatible magnetic stripe for dynamic user account data. Internal to the plastic card, and behind the magnetic stripe, a number of fixed-position magnetic write heads allow the user account data to be modified autonomously. Electronics within the card are pre-loaded with many unique numbers that are selected for one-time use in financial transactions. A payment processing center keeps track of the unique numbers used, and knows which numbers to expect in future transactions. It will not authorize transaction requests if the unique number read during a magnetic card swipe is not as expected. A card-swipe detector embedded in the plastic card detects each use in a scanner, so changes can be made to the data bits sent to the write heads.
摘要翻译：常规的支付卡包括具有用于动态用户帐户数据的传统读卡器兼容磁条的塑料卡。在塑料卡的内部，在磁条后面，多个固定位置的磁性写头允许用户帐户数据被自动修改。卡内的电子装置预先装有许多唯一的数字，这些数字被选择用于金融交易中一次性使用。支付处理中心跟踪使用的唯一号码，并知道在将来的交易中期望的数字。如果在磁卡刷卡期间读取的唯一编号不是预期的，则不会授权交易请求。嵌入在塑料卡中的卡片扫描检测器检测扫描仪中的每个使用，因此可以对发送到写入头的数据位进行更改。

15. 外观设计

USD565096S1 Payment card with a 3CVV display 有权
标题翻译：支付卡与3CVV显示
公开(公告)号：USD565096S1
公开(公告)日：2008-03-25
申请号：US29264648
申请日：2006-08-16
申请人： Kerry D. Brown
设计人： Kerry D. Brown

16. 外观设计

USD565095S1 Payment card with a 4DBC display 有权
标题翻译：支付卡与4DBC显示
公开(公告)号：USD565095S1
公开(公告)日：2008-03-25
申请号：US29264647
申请日：2006-08-16
申请人： Kerry D. Brown
设计人： Kerry D. Brown

17. 发明授权

US08998096B2 Magnetic emissive use of preloaded payment card account numbers 有权
标题翻译：磁放射使用预先加载的支付卡帐号
公开(公告)号：US08998096B2
公开(公告)日：2015-04-07
申请号：US12752390
申请日：2010-04-01
申请人： Kerry D. Brown
发明人： Kerry D. Brown
IPC分类号： G06K19/06 , G06K7/08 , G06Q20/34 , G07F7/08
CPC分类号： G06Q20/385 , G06K19/06206 , G06Q20/202 , G06Q20/325 , G06Q20/327 , G06Q20/34 , G06Q20/347 , G06Q20/352 , G06Q20/3829 , G06Q20/409 , G06Q2220/00 , G07F7/084 , G07F7/0886
摘要： A thin-client access card has a card body with partial or fully emissive magnetic data tracks. An emissive element is disposed in the card body under the location of the legacy magnetic data tracks. An electronic signal conditioner converts audio signals from a mobile device into magnetic data applied to the emissive element. A swipe sensor detects when the thin-client access card is being swiped by a legacy card reader, and triggers an output of magnetic data from the emissive element while proximal to the POS reader head. A cable attaches the thin-client access card as a peripheral to the mobile device with an audio output jack.
摘要翻译：瘦客户端访问卡具有具有部分或完全发射的磁数据轨道的卡体。发光元件设置在传统磁数据轨道位置下的卡体内。电子信号调节器将来自移动设备的音频信号转换为应用于发射元件的磁数据。滑动传感器检测瘦客户端访问卡何时由传统读卡器擦除，并且在靠近POS读取头的同时触发来自发射元件的磁数据的输出。电缆使用音频输出插孔将瘦客户端接入卡作为外设连接到移动设备。

18. 发明授权

US08224293B1 Encoded colorgram for mobile device security 失效
标题翻译：用于移动设备安全性的编码彩色图
公开(公告)号：US08224293B1
公开(公告)日：2012-07-17
申请号：US12983186
申请日：2010-12-31
申请人： Ronald P. Knapp , Kerry D. Brown , Peter Landrock
发明人： Ronald P. Knapp , Kerry D. Brown , Peter Landrock
IPC分类号： H04W12/06
CPC分类号： G06F21/35 , G06F21/36 , G06F21/43 , G06K19/06046
摘要： A security system includes a software application running in a user's smartphone and a separately carried visual key that the user can image at will with the smartphone's camera. An effective visual key would typically comprise digital data encoded in a series of colored cells arranged in a colorgram. Such digital data is treated as a what-you-have security factor, and is concatenated with other security factors so users can authenticate themselves to websites, internet services, and even within the smartphone device itself or its applications. In one aspect, when users authenticate themselves to a server, the server returns a short-term supply of one-time-passwords or account numbers for use in secure access and financial transactions on other systems.
摘要翻译：安全系统包括在用户智能手机中运行的软件应用程序和用户可随意使用智能手机的相机进行成像的单独携带的视觉键。一个有效的视觉键通常包括以彩色图表排列的一系列彩色单元格中编码的数字数据。这样的数字数据被视为您所拥有的安全因素，并且与其他安全因素连接在一起，因此用户可以对网站，互联网服务甚至智能手机设备本身或其应用程序进行身份验证。在一个方面，当用户向服务器认证自己时，服务器返回短期供应一次性密码或帐号，以用于其他系统上的安全访问和金融交易。

19. 发明授权

US08201747B2 Auto-sequencing financial payment display card 有权
标题翻译：自动排序财务付款显示卡
公开(公告)号：US08201747B2
公开(公告)日：2012-06-19
申请号：US12324617
申请日：2008-11-26
申请人： Kerry D. Brown , Daniel Chatelain
发明人： Kerry D. Brown , Daniel Chatelain
IPC分类号： G06K19/06
CPC分类号： G06K19/077 , G06K19/07716 , G06Q20/105 , G06Q20/385 , G06Q20/4093 , G07F7/08 , G07F7/0806 , G07F7/084
摘要： A payment card comprises a store of issuer-defined pre-generated cryptograms that are loaded only once into the Card by a perso-bureau or issuer. An on-board and autonomous electronic display of the personal account number (PAN), card verification value (CVV), or expiration date (EXP) is auto-sequenced through the stored cryptograms. Each value displayed to the user is unique, and useful in a financial transaction only once. The Card thus requires no changes in behavior on the part of the User, because the existing merchant infrastructure is already equipped to collect PAN+CVV+EXP data for user verification and transaction authorization.
摘要翻译：支付卡包括发行人定义的预先生成的密码存储，其仅由总部或发行人加载到卡中一次。个人帐号（PAN），卡验证值（CVV）或到期日（EXP）的车载和自主电子显示通过存储的密码进行自动排序。显示给用户的每个值都是唯一的，在金融交易中只能使用一次。因此，由于现有的商业基础设施已经配备了收集PAN + CVV + EXP数据以供用户验证和交易授权，所以该卡因此不需要对用户的行为进行改变。

20. 发明申请

US20110320314A1 OPTICAL CONTACT LOADED MAGNETIC CARD 有权
标题翻译：光学接触式负载磁性卡
公开(公告)号：US20110320314A1
公开(公告)日：2011-12-29
申请号：US13225188
申请日：2011-09-02
申请人： Kerry D. Brown
发明人： Kerry D. Brown
IPC分类号： G06Q20/00 , G06Q30/00 , G06K19/073
CPC分类号： G06Q30/0613 , G06K19/06206 , G06K19/0728
摘要： A magnetic interface card appears to be a payment card conventionally provided with an electromagnetic stripe and magnetic data tracks. A magnetic emissive element is disposed in the magnetic interface card body under the magnetic data tracks that can emit a variety of ISO-7813 track-2 data strings. A photo-sensor is included to receive a series of optically encoded flashes from a personal trusted device (PTD) smartphone screen that securely communicate one-time-use account information and operational parameters from a financial transaction server. The large installed base of legacy point-of-sale magnetic card readers can continue to be used without any hardware or software modifications, and card security is improved by the change to one-time-use access numbers.
摘要翻译：磁性接口卡似乎是通常设置有电磁条和磁数据轨的支付卡。磁性发射元件设置在可以发射各种ISO-7813轨道-2数据串的磁数据轨道下方的磁接口卡体内。包括一个光电传感器，用于从个人信任设备（PTD）智能手机屏幕接收一系列光学编码的闪光灯，以从金融交易服务器安全地传送一次性使用的帐户信息和操作参数。传统销售点磁卡阅读器的大型安装基础可以继续使用，无需任何硬件或软件修改，并通过更改一次性访问号码来改善卡安全性。

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