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    • 1. 发明授权
    • Method for generating customer secure card numbers subject to use restrictions by an electronic card
    • 根据电子卡的使用限制产生客户安全卡号的方法
    • US06805288B2
    • 2004-10-19
    • US09960714
    • 2001-09-21
    • Larry RouthensteinRoy L. AndersonWilliam R. BryantJacob Y. Wong
    • Larry RouthensteinRoy L. AndersonWilliam R. BryantJacob Y. Wong
    • G06K500
    • G06K19/06206G06K19/06196G06Q20/10G06Q20/105G06Q20/206G06Q20/341G06Q20/3415G06Q20/3576G06Q20/3674G06Q20/382G06Q20/383G06Q20/4093G07F7/1008
    • 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.
    • 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
    • Method for generating customer one-time unique purchase order numbers
    • 生成客户一次性唯一采购订单编号的方法
    • US08191772B2
    • 2012-06-05
    • US10968399
    • 2004-10-18
    • Roy Lee AndersonWilliam R. Bryant, Jr.Jacob Y. Wong
    • Roy Lee AndersonWilliam R. Bryant, Jr.Jacob Y. Wong
    • G06K5/00G06F17/00
    • G06K19/06206G06K19/06196G06Q20/10G06Q20/105G06Q20/206G06Q20/341G06Q20/3415G06Q20/3576G06Q20/3674G06Q20/382G06Q20/383G06Q20/4093G07F7/1008
    • Multiple secure transactions are provided through use of a method that uses customer one-time unique purchase order numbers (“Coupons”) generated by an algorithm that uses a permutated user key and a user insertion key as input variables. A user key (such as a Personal Identification Number, or “PIN”) is combined with a permutation variable that is correlated with a customer sequence number to create the permutated user key. A random number generator is used to generate the user insertion key correlated with the customer sequence number. The algorithm can insert the permutated user key into a user account number through use of the user insertion key. A Coupon is validated by confirming that it is contained in a set of money source Coupons generated by a money source using the user key and a random number generator that is synchronized with the random number used to generate Coupons. Once a Coupon is validated, the matching money source Coupon and all earlier generated money source Coupons are deleted from the set, and a new set is generated. If a preselected number of Coupons are not validated for a chosen entity, an invalid user account number will be set. Coupons can be used for credit card or bank card transactions, and they can be generated without changing fixed digits of traditional twenty digit account numbers.
    • 通过使用使用由使用排列的用户密钥和用户插入密钥作为输入变量的算法生成的客户一次性唯一采购订单号(“优惠券”)的方法来提供多个安全交易。 用户密钥(例如个人识别码或“PIN”)与与客户序列号相关联的置换变量组合以创建排列的用户密钥。 随机数生成器用于生成与客户序列号相关的用户插入密钥。 该算法可以通过使用用户插入密钥将置换的用户密钥插入用户帐号。 优惠券通过确认其包含在一组货币来源中,通过使用用户密钥的资金来源生成的优惠券和与用于生成优惠券的随机数同步的随机数生成器进行验证。 一旦优惠券被验证,匹配的货币来源优惠券和所有早期生成的货币来源优惠券将从该集合中删除,并生成一个新的集合。 如果预先选定的优惠券数量未被选定的实体验证,则将设置无效的用户帐号。 优惠券可用于信用卡或银行卡交易,可以在不改变传统二十位帐号的固定数字的情况下生成。