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    • 3. 发明授权
    • Financial transactions with dynamic personal account numbers
    • 具有动态个人账号的金融交易
    • US07580898B2
    • 2009-08-25
    • US11618813
    • 2006-12-30
    • Kerry D. BrownDavid Kevin Pariseau
    • Kerry D. BrownDavid Kevin Pariseau
    • G06F17/60
    • G07F7/1008G06Q20/341G06Q20/3415G06Q20/367G06Q20/385G06Q20/401G07F7/08G07F7/1083G07F7/12
    • A method for securing financial transactions involving payment cards includes associating a sixteen-digit personal account number (PAN) with a particular payment card and user, wherein are included fields for a system number, a bank/product number, a user account number, and a check digit. A four-digit expiration date (MMYY) associated with the PAN. A magnetic stripe on the payment card is encoded with the PAN for periodic reading by a magnetic card reader during a financial transaction. A table of cryptographic values associated with the PAN and the MMYY is stored on each user's payment card during personalization by an issuing bank. A next financial transaction being commenced with the payment card is sensed. A cryptographic value from the table of cryptographic values is selected for inclusion as a dynamic portion of the user account number with the PAN when a next financial transaction is sensed. Any cryptographic value from the table of cryptographic values will not be used again in another financial transaction after being used once. The issuing bank authorizes the next financial transaction only if the PAN includes a correct cryptographic value in the user account number field.
    • 用于确保涉及支付卡的金融交易的方法包括将十六位数个人帐号(PAN)与特定支付卡和用户相关联,其中包括用于系统号,银行/商品号,用户帐号和 一个校验位。 与PAN相关联的四位数到期日(MMYY)。 支付卡上的磁条用PAN编码,以便在金融交易期间由磁卡读卡器定期读取。 在发卡行个人化期间,与PAN和MMYY相关联的加密值的表存储在每个用户的支付卡上。 检测到与付款卡开始的下一笔金融交易。 当检测到下一个金融交易时,选择加密值表中的加密值作为用户帐号的动态部分包含在PAN中。 使用一次后,加密值表中的任何加密值将不再被再次用于另一个金融交易。 仅当PAN在用户帐号字段中包含正确的加密值时,开证行才授权下一笔金融交易。
    • 6. 发明申请
    • BATTERY PACK FAULT COMMUNICATION AND HANDLING
    • 电池包故障通信和处理
    • US20120013201A1
    • 2012-01-19
    • US12938255
    • 2010-11-02
    • David Kevin PariseauYang WangMichael Keith CollinsPeng Zhou
    • David Kevin PariseauYang WangMichael Keith CollinsPeng Zhou
    • H02J7/00
    • H01M10/48H02J7/0029H02J2007/0098Y10T307/826
    • A method of handling a fault in a battery pack, the method comprising: a battery module supplying a voltage to a high-voltage circuit; a battery management system transmitting a heartbeat signal to the battery module via a fault bus; the battery module preventing the heartbeat signal from being transmitted back to the battery management system in response to the battery module detecting a critical condition; and the battery management system shutting off the supply of voltage from the battery module to the high-voltage circuit in response to the battery module preventing the heartbeat signal from being transmitted back to the battery management system. The battery module transmits battery data to the battery management system via a communication bus, which is distinct from the fault bus, and the battery management system transmits one or more commands to the battery module via the communication bus.
    • 一种处理电池组中的故障的方法,所述方法包括:向高压电路提供电压的电池模块; 电池管理系统经由故障总线向所述电池模块发送心跳信号; 所述电池模块响应于所述电池模块检测到临界状况而阻止所述心跳信号被传送回所述电池管理系统; 并且所述电池管理系统响应于所述电池模块而切断从所述电池模块向所述高压电路的电压供应,所述电池模块防止所述心跳信号被传送回所述电池管理系统。 电池模块通过与故障总线不同的通信总线将电池数据传送到电池管理系统,并且电池管理系统经由通信总线向电池模块发送一个或多个命令。
    • 8. 发明授权
    • Automated payment card fraud detection and location
    • 自动支付卡欺诈检测和定位
    • US07543739B2
    • 2009-06-09
    • US11404660
    • 2006-04-14
    • Kerry D. BrownDavid Kevin PariseauDaniel Chatelain
    • Kerry D. BrownDavid Kevin PariseauDaniel Chatelain
    • G06K5/00
    • G06K19/06187G06K19/06196G06K19/07G06K19/0723G06K19/12G06Q20/12G06Q20/341G06Q20/343G06Q20/354G06Q20/3674G06Q20/4016G06Q20/403G07F7/082G07F7/1008
    • A payment card fraud detection business model comprises an internal virtual account number generator and a user display for Card-Not-Present transactions. Card-Present transactions with merchant card readers are enabled by a magnetic array internally associated with the card's magnetic stripe. The internal virtual account number generator is able to reprogram some of the magnetic bits encoded in the magnetic stripe to reflect the latest virtual account number. The internal virtual account number generator produces a sequence of virtual numbers that can be predicted and approved by the issuing bank. Once a number is used, such is discarded and put on an exclusion list or reserved for a specific merchant until the expiration date. A server for the issuing bank logs the merchant locations associated with each use or attempted use, and provides real-time detection of fraudulent attempts to use a virtual account number on the exclusion list. Law enforcement efforts can then be directed in a timely and useful way not only where the fraud occurs but also at its origination.
    • 支付卡欺诈检测业务模型包括内部虚拟账号生成器和用于不存在卡的交易的用户显示。 与商家卡读卡器的卡存在交易由与卡的磁条内部相关联的磁阵列启用。 内部虚拟帐号生成器能够重新编程磁条中编码的一些磁头,以反映最新的虚拟帐号。 内部虚拟账号生成器产生可由开证行预测和批准的一系列虚拟号码。 一旦使用数字,这样被丢弃并放在排除列表中,或者为特定商家保留,直到到期日为止。 开证行的服务器记录与每次使用或尝试使用相关联的商家位置,并且提供实时检测在排除列表上使用虚拟帐号的欺诈尝试。 然后,执法工作可以及时和有用的方式进行,不仅在发生欺诈的同时也发生了。
    • 10. 发明授权
    • Battery pack fault communication and handling
    • 电池组故障通讯和处理
    • US09172120B2
    • 2015-10-27
    • US12938255
    • 2010-11-02
    • David Kevin PariseauYang WangMichael Keith CollinsPeng Zhou
    • David Kevin PariseauYang WangMichael Keith CollinsPeng Zhou
    • H02J7/00H01M10/48
    • H01M10/48H02J7/0029H02J2007/0098Y10T307/826
    • A method of handling a fault in a battery pack, the method comprising: a battery module supplying a voltage to a high-voltage circuit; a battery management system transmitting a heartbeat signal to the battery module via a fault bus; the battery module preventing the heartbeat signal from being transmitted back to the battery management system in response to the battery module detecting a critical condition; and the battery management system shutting off the supply of voltage from the battery module to the high-voltage circuit in response to the battery module preventing the heartbeat signal from being transmitted back to the battery management system. The battery module transmits battery data to the battery management system via a communication bus, which is distinct from the fault bus, and the battery management system transmits one or more commands to the battery module via the communication bus.
    • 一种处理电池组中的故障的方法,所述方法包括:向高压电路提供电压的电池模块; 电池管理系统经由故障总线向所述电池模块发送心跳信号; 所述电池模块响应于所述电池模块检测到临界状况而阻止所述心跳信号被传送回所述电池管理系统; 并且所述电池管理系统响应于所述电池模块而切断从所述电池模块向所述高压电路的电压供应,所述电池模块防止所述心跳信号被传送回所述电池管理系统。 电池模块通过与故障总线不同的通信总线将电池数据传送到电池管理系统,并且电池管理系统经由通信总线向电池模块发送一个或多个命令。