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1. 发明申请

US20120239570A1 Systems and methods for performing ATM transactions using active authentication 审中-公开
标题翻译：使用主动认证执行ATM事务的系统和方法
公开(公告)号：US20120239570A1
公开(公告)日：2012-09-20
申请号：US13116783
申请日：2011-05-26
申请人： Rudolph Christian Wolfs , David Aaron Pinski
发明人： Rudolph Christian Wolfs , David Aaron Pinski
IPC分类号： G06Q40/00
CPC分类号： G06Q20/401 , G06Q20/3223
摘要： A financial transaction method includes receiving a request to perform a financial transaction from a user having an account with a financial institution that receives the request, generating an active authentication transaction key in response to the request, and transmitting the active authentication transaction key to a mobile financial transaction instrument of the user. A request to authenticate a transaction, including at least a portion of the active authentication transaction key, is received from an automated teller machine. An authorization response is transmitted to the automated teller machine if is determined that the transaction is authorized, the account of the user is settled to complete the financial transaction.
摘要翻译：金融交易方法包括从具有接收到该请求的金融机构的帐户的用户接收执行金融交易的请求，响应于该请求生成主动认证交易密钥，并将活动认证交易密钥发送到移动金融交易工具的用户。从自动取款机接收到认证交易的请求，包括活动认证交易密钥的至少一部分。如果确定交易被授权，则用户的帐户被结算以完成金融交易，则授权响应被传送到自动柜员机。

2. 发明授权

US10453062B2 Systems and methods for performing person-to-person transactions using active authentication 有权
公开(公告)号：US10453062B2
公开(公告)日：2019-10-22
申请号：US13117516
申请日：2011-05-27
申请人： Rudolph Christian Wolfs , David Aaron Pinski
发明人： Rudolph Christian Wolfs , David Aaron Pinski
IPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/38 , G06Q20/32 , G06Q40/02 , G06Q20/20 , G06Q20/42
摘要： In some embodiments, a method of performing a person-to-person financial transaction includes receiving an active authentication transaction key at a mobile financial transaction instrument of a transferor from a financial institution, storing the active authentication transaction key in a non-transient machine-readable storage medium of the mobile financial transaction instrument of the transferor, and transferring the active authentication transaction key to a mobile financial transaction instrument of a transferee for completion of the person-to-person financial transaction using wireless transmission.

3. 发明授权

US08744967B2 Method for authenticating financial transaction requests using a website or web portal 有权
标题翻译：使用网站或门户认证金融交易请求的方法
公开(公告)号：US08744967B2
公开(公告)日：2014-06-03
申请号：US12971661
申请日：2010-12-17
申请人： David Aaron Pinski
发明人： David Aaron Pinski
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0185 , G06Q20/04 , G06Q20/042 , G06Q20/105 , G06Q20/354 , G06Q20/40
摘要： A method for authenticating a financial transaction request includes receiving first information where the first information includes first party identifying information, and a unique pseudorandom number of a pseudorandom sequence included with a check from a plurality of checks. A status of activating the plurality of checks is determined using a portion of the first information, a stored activation code, and stored information first party identifying information. The stored first party identifying information is stored with the pseudorandom sequence. The first party is authenticated with the received and stored first party identifying information. The unique pseudorandom number is authenticated with the received first party identifying information, a portion of the stored first party identifying information and the stored sequence. The first information is authenticated if the first party and the unique pseudorandom number included with the first information are authenticated and if the plurality of checks have been activated.
摘要翻译：用于认证金融交易请求的方法包括接收第一信息，其中第一信息包括第一方识别信息，以及从多个检查中检查包括的伪随机序列的唯一伪随机数。使用第一信息的一部分，存储的激活码和存储的信息第一方识别信息来确定激活多个检查的状态。存储的第一方识别信息与伪随机序列一起存储。第一方通过接收和存储的第一方识别信息进行认证。所接收的第一方识别信息，所存储的第一方识别信息的一部分和所存储的序列的唯一伪随机数被认证。如果第一方和第一信息中包含的唯一伪随机数被认证并且多个检查已被激活，则第一信息被认证。

4. 发明授权

US08626662B2 Method for securely clearing checks 有权
标题翻译：安全清除支票的方法
公开(公告)号：US08626662B2
公开(公告)日：2014-01-07
申请号：US12971753
申请日：2010-12-17
申请人： David Aaron Pinski
发明人： David Aaron Pinski
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0185 , G06Q20/04 , G06Q20/042 , G06Q20/105 , G06Q20/354 , G06Q20/40
摘要： A method for check clearing by a first entity where the check was previously issued from a first party to a second party. The first party has a first account with the first entity and the second party has a second account with a second entity. The first entity receives first information included with the check from the second party, including first party identifying information, a unique pseudorandom check number, and a check amount. The first entity authenticates at least a portion of the first information and receives second information from the second party, including at least the second account number and the second entity's routing transit number. The first entity transfers funds from the first account of the first party to the second account of the second party using at least a portion of the authenticated first information and the second information.
摘要翻译：一种由先前从第一方向第二方发出支票的第一实体进行支票清算的方法。第一方拥有第一个实体的第一个帐户，第二个帐户具有第二个实体的第二个帐户。第一实体从第二方接收包括在检查中的第一信息，包括第一方标识信息，唯一的伪随机检查号和检查量。第一实体认证第一信息的至少一部分并从第二方接收第二信息，包括至少第二帐号和第二实体的路由转接号。第一实体使用认证的第一信息和第二信息的至少一部分将资金从第一方的第一帐户转移到第二方的第二帐户。

5. 发明授权

US10089612B2 Systems and methods for performing ATM fund transfer using active authentication 有权
公开(公告)号：US10089612B2
公开(公告)日：2018-10-02
申请号：US13101759
申请日：2011-05-05
申请人： Rudolph Christian Wolfs , David Aaron Pinski
发明人： Rudolph Christian Wolfs , David Aaron Pinski
IPC分类号： G06Q20/00 , G06Q20/18 , G06Q20/20 , G06Q20/32 , G06Q20/38 , G06Q20/40
摘要： A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.

6. 发明申请

US20120239572A1 SYSTEMS AND METHODS FOR PERFORMING FINANCIAL TRANSACTIONS USING ACTIVE AUTHENTICATION 审中-公开
标题翻译：使用有效认证执行财务交易的系统和方法
公开(公告)号：US20120239572A1
公开(公告)日：2012-09-20
申请号：US13085754
申请日：2011-04-13
申请人： Rudolph Christian Wolfs , David Aaron Pinski
发明人： Rudolph Christian Wolfs , David Aaron Pinski
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4012 , G06Q20/1085 , G06Q20/20 , G06Q20/3278 , G06Q20/3829 , G06Q20/385 , G06Q20/401 , G06Q20/425
摘要： A financial transaction method includes receiving a request to perform a financial transaction at a financial institution, generating a single-use transaction key for the financial transaction, and storing at least a first portion of the transaction key in a storage medium. The transaction key is transmitted to a user that requested the financial transaction, and an authorization request including at least a second portion of the transaction key is received from a merchant. The second portion of the transaction key received from the merchant is compared to the first portion of the transaction key to determine if the transaction should be authorized. An authorization message is transmitted to the merchant if the second portion of the transaction key received from the merchant matches the first portion of the transaction key. The financial transaction is funded from an account of the user if the financial transaction is authorized.
摘要翻译：金融交易方法包括接收在金融机构执行金融交易的请求，生成用于金融交易的一次性交易密钥，以及将交易密钥的至少第一部分存储在存储介质中。交易密钥被发送到请求金融交易的用户，并且从商家接收包括交易密钥的至少第二部分的授权请求。将从商家接收的交易密钥的第二部分与交易密钥的第一部分进行比较，以确定交易是否应被授权。如果从商家接收的交易密钥的第二部分与交易密钥的第一部分匹配，则向商家发送授权消息。如果金融交易被授权，则该金融交易由用户的账户资助。

7. 发明申请

US20110270753A1 METHOD FOR AUTHENTICATING FINANCIAL TRANSACTION REQUESTS USING A WEBSITE OR WEB PORTAL 有权
标题翻译：使用网站或网页门户验证财务交易要求的方法
公开(公告)号：US20110270753A1
公开(公告)日：2011-11-03
申请号：US12971661
申请日：2010-12-17
申请人： David Aaron Pinski
发明人： David Aaron Pinski
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0185 , G06Q20/04 , G06Q20/042 , G06Q20/105 , G06Q20/354 , G06Q20/40
摘要： A method for authenticating a financial transaction request includes receiving first information where the first information includes first party identifying information, and a unique pseudorandom number of a pseudorandom sequence included with a check from a plurality of checks. A status of activating the plurality of checks is determined using a portion of the first information, a stored activation code, and stored information first party identifying information. The stored first party identifying information is stored with the pseudorandom sequence. The first party is authenticated with the received and stored first party identifying information. The unique pseudorandom number is authenticated with the received first party identifying information, a portion of the stored first party identifying information and the stored sequence. The first information is authenticated if the first party and the unique pseudorandom number included with the first information are authenticated and if the plurality of checks have been activated.
摘要翻译：用于认证金融交易请求的方法包括接收第一信息，其中第一信息包括第一方识别信息，以及从多个检查中检查包括的伪随机序列的唯一伪随机数。使用第一信息的一部分，存储的激活码和存储的信息第一方识别信息来确定激活多个检查的状态。存储的第一方识别信息与伪随机序列一起存储。第一方通过接收和存储的第一方识别信息进行认证。所接收的第一方识别信息，存储的第一方识别信息的一部分和所存储的序列的唯一伪随机数被认证。如果第一方和第一信息中包含的唯一伪随机数被认证并且多个检查已被激活，则第一信息被认证。

8. 发明授权

US11514451B2 Systems and methods for performing financial transactions using active authentication 有权
公开(公告)号：US11514451B2
公开(公告)日：2022-11-29
申请号：US13085754
申请日：2011-04-13
申请人： Rudolph Christian Wolfs , David Aaron Pinski
发明人： Rudolph Christian Wolfs , David Aaron Pinski
IPC分类号： G06Q20/40 , G06Q20/38 , G06Q20/20 , G06Q20/32 , G06Q20/42 , G06Q20/10
摘要： A financial transaction method includes receiving a request to perform a financial transaction at a financial institution, generating a single-use transaction key for the financial transaction, and storing at least a first portion of the transaction key in a storage medium. The transaction key is transmitted to a user that requested the financial transaction, and an authorization request including at least a second portion of the transaction key is received from a merchant. The second portion of the transaction key received from the merchant is compared to the first portion of the transaction key to determine if the transaction should be authorized. An authorization message is transmitted to the merchant if the second portion of the transaction key received from the merchant matches the first portion of the transaction key. The financial transaction is funded from an account of the user if the financial transaction is authorized.

9. 发明申请

US20120239579A1 Systems and methods for performing ATM fund transfer using active authentication 审中-公开
标题翻译：使用主动认证执行ATM资金转移的系统和方法
公开(公告)号：US20120239579A1
公开(公告)日：2012-09-20
申请号：US13101759
申请日：2011-05-05
申请人： Rudolph Christian Wolfs , David Aaron Pinski
发明人： Rudolph Christian Wolfs , David Aaron Pinski
IPC分类号： G06Q20/00
CPC分类号： G06Q20/18 , G06Q20/20 , G06Q20/325 , G06Q20/3278 , G06Q20/385 , G06Q20/40
摘要： A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.
摘要翻译：在ATM中执行资金转移的方法包括：经由无线通信协议从移动金融交易工具在ATM接收主动认证交易密钥，在ATM处生成PIN，并将PIN存储在机器可读存储介质中。授权请求消息被发送到由主动认证交易密钥标识的金融机构。授权请求消息包括PIN和活动认证交易密钥的至少一部分。从移动金融交易工具的用户接收PIN，并且响应于接收到PIN而分配资金。

10. 发明申请

US20120239577A1 Systems and methods for performing person-to-person transactions using active authentication 审中-公开
标题翻译：使用主动认证来执行个人到个人交易的系统和方法
公开(公告)号：US20120239577A1
公开(公告)日：2012-09-20
申请号：US13117516
申请日：2011-05-27
申请人： Rudolph Christian Wolfs , David Aaron Pinski
发明人： Rudolph Christian Wolfs , David Aaron Pinski
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4012 , G06Q20/1085 , G06Q20/20 , G06Q20/32 , G06Q20/3278 , G06Q20/3829 , G06Q20/385 , G06Q20/401 , G06Q20/425 , G06Q40/02
摘要： In some embodiments, a method of performing a person-to-person financial transaction includes receiving an active authentication transaction key at a mobile financial transaction instrument of a transferor from a financial institution, storing the active authentication transaction key in a non-transient machine-readable storage medium of the mobile financial transaction instrument of the transferor, and transferring the active authentication transaction key to a mobile financial transaction instrument of a transferee for completion of the person-to-person financial transaction using wireless transmission.
摘要翻译：在一些实施例中，执行个人对个人金融交易的方法包括在来自金融机构的转移者的移动金融交易工具上接收主动认证交易密钥，将活动认证交易密钥存储在非瞬时机器 - 并且将主动认证交易密钥转移到受让人的移动金融交易工具，以使用无线传输来完成个人对人的金融交易。

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