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    • 8. 发明授权
    • Method and system for secure credit card transactions
    • 安全信用卡交易的方法和系统
    • US07024395B1
    • 2006-04-04
    • US09598777
    • 2000-06-16
    • Steven H. McCownJames P. HughesMichael L. LeonhardtCharles A. Milligan
    • Steven H. McCownJames P. HughesMichael L. LeonhardtCharles A. Milligan
    • G06F17/60
    • G06Q20/0453G06Q20/085G06Q20/10G06Q20/102G06Q20/105G06Q20/108G06Q20/12G06Q20/14G06Q20/20G06Q20/204G06Q20/24G06Q20/367G06Q20/3674G06Q20/382G06Q20/3821G06Q20/401G06Q30/0207G06Q30/0241G06Q40/00G06Q40/025
    • A customer making a credit card transaction inserts their smart card into a card reader attached to the merchant's system. The card reader activates the customer's card and passes certain merchant information. The merchant's system then requests a “billing digest” from the customer's card. The billing digest is returned to the merchant's card reader that forwards it (and the transaction information which includes customer information and merchant information) to the corresponding credit card issuer, which maintains the customer's credit card account. In one embodiment, the customer information and the merchant information are encrypted. Upon receiving the billing digest, transaction information is decrypted if necessary and the credit card issuer looks up the customer's master key using the customer's account number. The credit card issuer then uses the transaction information to re-compute the billing digest (an authentication billing digest) and compares this new value with the billing digest submitted by the merchant. If authentic, the billing digest and authentication billing digest values are equivalent, then funds are transferred and an acceptance notification is returned to the merchant. If not authentic, a denial notification is returned to the merchant. Security is further enhanced by utilizing a unique reference for each transaction in the unique customer information used for creating the billing digest.
    • 进行信用卡交易的客户将他们的智能卡插入连接到商家系统的读卡器。 读卡器激活客户卡并传递某些商家信息。 商家的系统然后从客户的卡请求“结算摘要”。 结算摘要返回给将客户信用卡账户转发的商家的读卡器(以及包含客户信息和商家信息的交易信息)发送给相应的信用卡发卡机构。 在一个实施例中,客户信息和商家信息被加密。 收到结算摘要后,必要时对交易信息进行解密,信用卡发卡机构使用客户的帐号查询客户的主密钥。 然后,信用卡发行商使用交易信息来重新计算记帐摘要(认证记帐摘要),并将该新值与商家提交的记帐摘要进行比较。 如果是真实的,则计费摘要和认证计费摘要值是相等的,那么资金被转移,接收通知被返回给商家。 如果不可靠,则向商家返回拒绝通知。 通过为用于创建计费摘要的唯一客户信息中的每个交易使用唯一的引用来进一步增强安全性。
    • 9. 发明授权
    • Automated physical disk storage and management
    • 自动物理磁盘存储和管理
    • US06600967B2
    • 2003-07-29
    • US10026978
    • 2001-12-20
    • Charles A. MilliganJames P. HughesGerald O'Nions
    • Charles A. MilliganJames P. HughesGerald O'Nions
    • G06F700
    • G11B15/689G06F11/2056G11B17/228G11B33/125
    • A data storage system for remote access to stored data. The innovative system uses a storage library to contain magnetic hard disks and automatically replaces the hard disks upon failure, without human intervention. Failed disks are removed from the library by a robot, deposited from the library, upon which time they are further processed for delivery to the manufacturer, or for disposal. Replacement disk drives are accessed by the robot from within the library to replace the removed storage element. The system's robot is not only moving individual storage elements, but also of moving the access cables connecting the storage elements to the external network. Using this capability, the number of access cables is reduced without requiring added human intervention.
    • 用于远程访问存储数据的数据存储系统。 创新的系统使用存储库来存储磁性硬盘,并在故障时自动替换硬盘,无需人为干预。 失败的磁盘由图书馆从图书馆存放的图书馆中删除,此时他们被进一步处理以送达制造商或处理。 更换磁盘驱动器由机器人从库中访问以替换已移除的存储元件。 该系统的机器人不仅可以移动单个存储元件,还可以将连接存储元件的接入电缆移动到外部网络。 使用这种功能,可以减少接入电缆的数量,而无需增加人为干预。