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    • 4. 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。
    • 5. 发明授权
    • Information encryption system and method
    • 信息加密系统及方法
    • US06708272B1
    • 2004-03-16
    • US09315175
    • 1999-05-20
    • Steven H. McCownThai NguyenMichael L. Leonhardt
    • Steven H. McCownThai NguyenMichael L. Leonhardt
    • G06F15163
    • H04L9/083H04L9/0825
    • An encryption system permits end-to-end encryption of information over an untrusted interconnection network. The information encryption system includes at least one client for processing information. The system also includes at least one storage device for holding the information. At least one key server provides a data key for encrypting and decrypting the information. An encryption module is associated with each client. Each encryption module has a first processor accessing a first memory and a second processor accessing a second memory different from the first memory. The first processor communicates with the associated client. The second processor communicates with the storage device. The first processor communicates with the second processor through a dedicated channel. The second processor obtains the data key from the key server. Information is received from the first processor over the dedicated channel and encrypted using the data key. The encrypted information is then stored on the storage device. The second processor also reads the encrypted information from the storage device, decrypts the information using the data key, and sends the decrypted information to the first processor over the dedicated channel.
    • 加密系统允许通过不可信互连网络对信息进行端到端加密。 信息加密系统包括用于处理信息的至少一个客户端。 该系统还包括用于保存信息的至少一个存储设备。 至少一个密钥服务器提供用于加密和解密信息的数据密钥。 加密模块与每个客户端相关联。 每个加密模块具有访问第一存储器的第一处理器和访问与第一存储器不同的第二存储器的第二处理器。 第一个处理器与相关联的客户端进行通信。 第二处理器与存储设备进行通信。 第一处理器通过专用信道与第二处理器进行通信。 第二个处理器从密钥服务器获取数据密钥。 通过专用信道从第一处理器接收信息并使用数据密钥进行加密。 然后将加密的信息存储在存储设备上。 第二处理器还从存储设备读取加密信息,使用数据密钥对信息进行解密,并通过专用信道将解密的信息发送到第一处理器。
    • 7. 发明申请
    • SYSTEMS AND METHODS FOR PERFORMING WIRELESS FINANCIAL TRANSACTIONS
    • 执行无线金融交易的制度和方法
    • US20090216681A1
    • 2009-08-27
    • US12196806
    • 2008-08-22
    • Steven H. McCown
    • Steven H. McCown
    • G06Q40/00H04L9/00
    • G06Q20/3825G06Q20/1235G06Q20/223G06Q20/32G06Q20/3223G06Q20/3227G06Q20/382G06Q20/40G06Q20/401G06Q40/00H04L9/3247H04L2209/56H04L2209/603H04L2209/805
    • A secure computing module (SCM) is configured for connection with a host device. The SCM includes a processor for performing secure processing operations, a host interface for coupling the processor to the host device, and a memory connected to the processor wherein the processor logically isolates at least some of the memory from access by the host device. The SCM also includes a proximate-field wireless communicator connected to the processor to communicate with another SCM associated with another host device. The SCM generates a secure digital signature for a financial transaction package and communicates the package and the signature to the other SCM using the proximate-field wireless communicator. Financial transactions are performed from person to person using the secure digital signature of each person's SCM and possibly message encryption. The digital signatures and transaction details are communicated to appropriate financial organizations to authenticate the transaction parties and complete the transaction.
    • 安全计算模块(SCM)被配置为与主机设备连接。 SCM包括用于执行安全处理操作的处理器,用于将处理器耦合到主机设备的主机接口以及连接到处理器的存储器,其中处理器逻辑地将至少一些存储器与主机设备的访问隔离。 SCM还包括连接到处理器以与与另一个主机设备相关联的另一SCM通信的近场无线通信器。 SCM生成金融交易包的安全数字签名,并使用近场无线通信器将包和签名传送给其他SCM。 使用每个人的SCM的安全数字签名和可能的消息加密,从个人到个人执行金融交易。 将数字签名和交易详情通知相应的金融机构,以对交易方进行身份验证并完成交易。
    • 8. 发明授权
    • Electronic mail metadata generation and management
    • 电子邮件元数据生成和管理
    • US07426541B2
    • 2008-09-16
    • US10935251
    • 2004-09-07
    • Steven H. McCown
    • Steven H. McCown
    • G06F15/16
    • H04L67/2842H04L51/14H04L51/22
    • Electronic mail is archived and retrieved based on metadata generated by the client sending the electronic mail. The metadata is generated based on variable metadata generation policies distributed to each client. The metadata generation policies are executed in each client in conjunction with each electronic mail sent from the client. The electronic mail is received in a mail server on route to at least one addressee of the electronic mail. The received electronic mail is processed based on the metadata attached to the received electronic mail.
    • 电子邮件根据发送电子邮件的客户端生成的元数据进行存档和检索。 元数据是基于分配给每个客户端的可变元数据生成策略生成的。 元数据生成策略在每个客户端中与从客户端发送的每个电子邮件一起执行。 电子邮件在通往电子邮件的至少一个收件人的路线上的邮件服务器中被接收。 所接收的电子邮件是根据附于所接收的电子邮件的元数据进行处理的。