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1. 发明授权

US09053471B2 Apparatus and method for conducting securing financial transactions 有权
标题翻译：进行金融交易的设备和方法
公开(公告)号：US09053471B2
公开(公告)日：2015-06-09
申请号：US12675621
申请日：2008-08-29
申请人： Kenneth G. Mages , Chi Wah Lo , Kent H. Mages , Tai Kwan Tang
发明人： Kenneth G. Mages , Chi Wah Lo , Kent H. Mages , Tai Kwan Tang
IPC分类号： G06Q20/12 , G06Q20/02 , G06Q20/38 , G06Q20/40 , G07F7/10
CPC分类号： G06Q20/382 , G06F21/445 , G06Q20/02 , G06Q20/12 , G06Q20/40 , G06Q20/4014 , G07F7/1075 , H04L63/08 , H04L63/102 , H04L2463/082
摘要： A system and method are disclosed for conducting secure electronic transactions using dual-authentications. A secure server stores security information for a plurality of users and authorizes transactions being conducted by these users. A user computer system having a trusted platform module is used for storing security information relating to at least one user account. Protected environments are created to facilitate secure connections based on at least the security information stored in the trusted platform module. Transactions between the user/electronic merchants and between the user/secure server are conducted within protected environments. When a user conducts an electronic transaction with an electronic merchant, the transaction is authenticated by the secure server before can be completed.
摘要翻译：公开了一种使用双重认证进行安全电子交易的系统和方法。安全服务器存储多个用户的安全信息，并授权由这些用户进行的交易。具有可信平台模块的用户计算机系统用于存储与至少一个用户帐户有关的安全信息。创建受保护的环境以便至少基于存储在可信平台模块中的安全信息来促进安全连接。用户/电子商家之间和用户/安全服务器之间的交易在受保护的环境中进行。当用户与电子商家进行电子交易时，可以在安全服务器完成之前对交易进行认证。

2. 发明授权

US08055545B2 Apparatus and method for conducting secure financial transactions 有权
标题翻译：进行安全金融交易的设备和方法
公开(公告)号：US08055545B2
公开(公告)日：2011-11-08
申请号：US12230540
申请日：2008-08-29
申请人： Kenneth G. Mages , Chi Wah Lo , Kent H. Mages , Tai Kwan Tang
发明人： Kenneth G. Mages , Chi Wah Lo , Kent H. Mages , Tai Kwan Tang
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/40 , G06Q30/0601 , G06Q40/12
摘要： A system and method are disclosed for conducting secure electronic transactions using dual-authentications. A secure server stores security information for a plurality of users and authorizes transactions being conducted by these users. A user computer system having a trusted platform module is used for storing security information relating to at least one user account. Protected environments are created to facilitate secure connections based on at least the security information stored in the trusted platform module. Transactions between the user/electronic merchants and between the user/secure server are conducted within protected environments. When a user conducts an electronic transaction with an electronic merchant, the transaction is authenticated by the secure server before can be completed.
摘要翻译：公开了一种使用双重认证进行安全电子交易的系统和方法。安全服务器存储多个用户的安全信息，并授权由这些用户进行的交易。具有可信平台模块的用户计算机系统用于存储与至少一个用户帐户有关的安全信息。创建受保护的环境以便至少基于存储在可信平台模块中的安全信息来促进安全连接。用户/电子商家之间和用户/安全服务器之间的交易在受保护的环境中进行。当用户与电子商家进行电子交易时，可以在安全服务器完成之前对交易进行认证。

3. 发明申请

US20090119184A1 Apparatus and method for conducting secure financial transactions 有权
标题翻译：进行安全金融交易的设备和方法
公开(公告)号：US20090119184A1
公开(公告)日：2009-05-07
申请号：US12230540
申请日：2008-08-29
申请人： Kenneth G. Mages , Chi Wah Lo , Kent H. Mages , Tai Kwan Tang
发明人： Kenneth G. Mages , Chi Wah Lo , Kent H. Mages , Tai Kwan Tang
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q20/12 , G06Q20/40 , G06Q30/0601 , G06Q40/12
摘要： A system and method are disclosed for conducting secure electronic transactions using dual-authentications. A secure server stores security information for a plurality of users and authorizes transactions being conducted by these users. A user computer system having a trusted platform module is used for storing security information relating to at least one user account. Protected environments are created to facilitate secure connections based on at least the security information stored in the trusted platform module. Transactions between the user/electronic merchants and between the user/secure server are conducted within protected environments. When a user conducts an electronic transaction with an electronic merchant, the transaction is authenticated by the secure server before can be completed.
摘要翻译：公开了一种使用双重认证进行安全电子交易的系统和方法。安全服务器存储多个用户的安全信息，并授权由这些用户进行的交易。具有可信平台模块的用户计算机系统用于存储与至少一个用户帐户有关的安全信息。创建受保护的环境以便至少基于存储在可信平台模块中的安全信息来促进安全连接。用户/电子商家之间和用户/安全服务器之间的交易在受保护的环境中进行。当用户与电子商家进行电子交易时，可以在安全服务器完成之前对交易进行认证。

4. 发明申请

US20110099112A1 APPARATUS AND METHOD FOR CONDUCTING SECURING FINANCIAL TRANSACTIONS 有权
标题翻译：开展安全财务交易的手段和方法
公开(公告)号：US20110099112A1
公开(公告)日：2011-04-28
申请号：US12675621
申请日：2008-08-29
申请人： Kenneth G. Mages , Chi Wah Lo , Kent H. Mages , Tai Kwan Tang
发明人： Kenneth G. Mages , Chi Wah Lo , Kent H. Mages , Tai Kwan Tang
IPC分类号： H04K1/00
CPC分类号： G06Q20/382 , G06F21/445 , G06Q20/02 , G06Q20/12 , G06Q20/40 , G06Q20/4014 , G07F7/1075 , H04L63/08 , H04L63/102 , H04L2463/082
摘要： A system and method are disclosed for conducting secure electronic transactions using dual-authentications. A secure server stores security information for a plurality of users and authorizes transactions being conducted by these users. A user computer system having a trusted platform module is used for storing security information relating to at least one user account. Protected environments are created to facilitate secure connections based on at least the security information stored in the trusted platform module. Transactions between the user/electronic merchants and between the user/secure server are conducted within protected environments. When a user conducts an electronic transaction with an electronic merchant, the transaction is authenticated by the secure server before can be completed.
摘要翻译：公开了一种使用双重认证进行安全电子交易的系统和方法。安全服务器存储多个用户的安全信息，并授权由这些用户进行的交易。具有可信平台模块的用户计算机系统用于存储与至少一个用户帐户有关的安全信息。创建受保护的环境以便至少基于存储在可信平台模块中的安全信息来促进安全连接。用户/电子商家之间和用户/安全服务器之间的交易在受保护的环境中进行。当用户与电子商家进行电子交易时，可以在安全服务器完成之前对交易进行认证。

5. 发明申请

US20050157854A1 Telephone recording system 审中-公开
标题翻译：电话录音系统
公开(公告)号：US20050157854A1
公开(公告)日：2005-07-21
申请号：US10758850
申请日：2004-01-16
申请人： Chi Wah Lo , Tai Kwan Tang , Hwai Sian Tsai , Wing Cheong Chan
发明人： Chi Wah Lo , Tai Kwan Tang , Hwai Sian Tsai , Wing Cheong Chan
IPC分类号： H04M1/64 , H04M1/656 , H04M3/42
CPC分类号： H04M3/42221 , H04M1/656 , H04M3/42314
摘要： A recording system for a Private Branch Automatic Exchange (PBAX) comprises a recording unit for recording a telephone conversation on the public line side of the PBAX and coding units for connecting to private lines of the PBAX and for identifying to the recording unit the private line in use. The recording unit may include a transformer for detecting a telephone conversation signal, a processor and a storage medium.
摘要翻译：用于专用分支自动交换（PBAX）的记录系统包括用于在PBAX的公共线侧记录电话交谈的记录单元和用于连接到PBAX的专线的编码单元，并且用于向记录单元识别专线正在使用。记录单元可以包括用于检测电话通话信号的变压器，处理器和存储介质。

6. 发明授权

US08534554B2 Apparatus and method for commercial transactions using a communication device 有权
公开(公告)号：US08534554B2
公开(公告)日：2013-09-17
申请号：US13283314
申请日：2011-10-27
申请人： Tai Kwan Jimmy Tang , Chi Wah Lo , Kenneth G. Mages
发明人： Tai Kwan Jimmy Tang , Chi Wah Lo , Kenneth G. Mages
IPC分类号： G06K7/08
CPC分类号： G06Q20/341 , G06K7/0004 , G06K7/01 , G06K7/082 , G06Q20/085 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/327 , G06Q20/3272 , G06Q20/3278 , G06Q20/352 , G06Q20/353 , G06Q20/409 , G06Q20/425 , G06Q2220/00 , H04L63/0428
摘要： An apparatus for effecting commercial transactions with a server using a transaction card via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information from the transaction card and a controller for converting the captured card information into an encrypted audio signal and for transmitting the audio signal to the communication device. The communication device delivers the audio signal to the server for processing the commercial transaction.

7. 发明授权

US08281998B2 Apparatus and method for commercial transactions using a communication device 有权
标题翻译：使用通信设备的商业交易的装置和方法
公开(公告)号：US08281998B2
公开(公告)日：2012-10-09
申请号：US13239512
申请日：2011-09-22
申请人： Tai Kwan Jimmy Tang , Chi Wah Lo , Kenneth G. Mages
发明人： Tai Kwan Jimmy Tang , Chi Wah Lo , Kenneth G. Mages
IPC分类号： G06K7/08
CPC分类号： G06Q20/341 , G06K7/0004 , G06K7/01 , G06K7/082 , G06Q20/085 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/327 , G06Q20/3272 , G06Q20/3278 , G06Q20/352 , G06Q20/353 , G06Q20/409 , G06Q20/425 , G06Q2220/00 , H04L63/0428
摘要： An apparatus for effecting commercial transactions with a server using a transaction card via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information from the transaction card and a controller for converting the captured card information into an encrypted audio signal and for transmitting the audio signal to the communication device. The communication device delivers the audio signal to the server for processing the commercial transaction.
摘要翻译：提供了一种用于通过通信设备使用交易卡与服务器进行商业交易的装置。该设备包括与通信设备耦合的交易设备，用于从交易卡捕获信息;以及控制器，用于将所捕获的卡信息转换为加密音频信号，并将音频信号发送到通信设备。通信设备将音频信号传递到服务器以处理商业交易。

8. 发明申请

US20120055989A1 APPARATUS AND METHOD FOR COMMERCIAL TRANSACTIONS USING A COMMUNICATION DEVICE 有权
公开(公告)号：US20120055989A1
公开(公告)日：2012-03-08
申请号：US13283314
申请日：2011-10-27
申请人： Tai Kwan Jimmy Tang , Chi Wah Lo , Kenneth G. Mages
发明人： Tai Kwan Jimmy Tang , Chi Wah Lo , Kenneth G. Mages
IPC分类号： G06K5/00
CPC分类号： G06Q20/341 , G06K7/0004 , G06K7/01 , G06K7/082 , G06Q20/085 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/327 , G06Q20/3272 , G06Q20/3278 , G06Q20/352 , G06Q20/353 , G06Q20/409 , G06Q20/425 , G06Q2220/00 , H04L63/0428
摘要： An apparatus for effecting commercial transactions with a server using a transaction card via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information from the transaction card and a controller for converting the captured card information into an encrypted audio signal and for transmitting the audio signal to the communication device. The communication device delivers the audio signal to the server for processing the commercial transaction.

9. 发明授权

US08286875B2 Apparatus and method for commercial transactions using a communication device 有权
标题翻译：使用通信设备的商业交易的装置和方法
公开(公告)号：US08286875B2
公开(公告)日：2012-10-16
申请号：US13162001
申请日：2011-06-16
申请人： Tai Kwan Jimmy Tang , Chi Wah Lo , Kenneth G. Mages , Michael Kron
发明人： Tai Kwan Jimmy Tang , Chi Wah Lo , Kenneth G. Mages , Michael Kron
IPC分类号： G06K7/08
CPC分类号： G06Q20/341 , G06K7/0004 , G06K7/01 , G06K7/082 , G06Q20/085 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/327 , G06Q20/3272 , G06Q20/3278 , G06Q20/352 , G06Q20/353 , G06Q20/409 , G06Q20/425 , G06Q2220/00 , H04L63/0428
摘要： An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly is provided. The apparatus comprises an input device for capturing information from the transaction card, a controller for converting the captured card information into an audio signal. The controller is linked to the communication device. The apparatus may also be part of an assembly wherein this controller is part of the communication device. The remote processor assembly includes a transaction server linked to a remote processor/issuer for validating the transaction card data. A system including this apparatus, the communication device and the transaction server is also provided. Methods therefore are also disclosed. The input device captures the card information that is converted to an audio signal by the controller and transmitted to the transaction server via the communication device for being converted to an appropriate signal to be transmitted to the remote processor/issuer for validation thereof. The validation information is sent back to the apparatus providing feedback to the user. The transaction server translates the signal received by the remote processor/issuer into an audio signal and sends it to the controller via the communication device for conversion to an appropriate format.
摘要翻译：提供了一种用于通过与远程处理器组件进行音频通信的通信设备使用交易卡进行商业交易的装置。该装置包括用于从交易卡捕获信息的输入装置，用于将所捕获的卡信息转换成音频信号的控制器。控制器链接到通信设备。该装置还可以是组件的一部分，其中该控制器是通信装置的一部分。远程处理器组件包括链接到远程处理器/发行者的交易服务器，用于验证交易卡数据。还提供了包括该装置，通信装置和交易服务器的系统。因此也公开了方法。输入设备捕获由控制器转换成音频信号的卡信息，并通过通信设备传送到交易服务器，以转换成要发送给远程处理器/发行者的适当信号以进行验证。验证信息被发回到向用户提供反馈的设备。交易服务器将由远程处理器/发行者接收的信号转换为音频信号，并通过通信设备将其发送到控制器，以转换为适当的格式。

10. 发明申请

US20120061467A1 APPARATUS AND METHOD FOR COMMERCIAL TRANSACTIONS USING A COMMUNICATION DEVICE 有权
标题翻译：使用通信设备的商业交易的装置和方法
公开(公告)号：US20120061467A1
公开(公告)日：2012-03-15
申请号：US13239512
申请日：2011-09-22
申请人： Tai Kwan Jimmy Tang , Chi Wah Lo , Kenneth G. Mages
发明人： Tai Kwan Jimmy Tang , Chi Wah Lo , Kenneth G. Mages
IPC分类号： G06F7/08
CPC分类号： G06Q20/341 , G06K7/0004 , G06K7/01 , G06K7/082 , G06Q20/085 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/327 , G06Q20/3272 , G06Q20/3278 , G06Q20/352 , G06Q20/353 , G06Q20/409 , G06Q20/425 , G06Q2220/00 , H04L63/0428
摘要： An apparatus for effecting commercial transactions with a server using a transaction card via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information from the transaction card and a controller for converting the captured card information into an encrypted audio signal and for transmitting the audio signal to the communication device. The communication device delivers the audio signal to the server for processing the commercial transaction.
摘要翻译：提供了一种用于通过通信设备使用交易卡与服务器进行商业交易的装置。该设备包括与通信设备耦合的交易设备，用于从交易卡捕获信息;以及控制器，用于将所捕获的卡信息转换为加密音频信号，并将音频信号发送到通信设备。通信设备将音频信号传递到服务器以处理商业交易。

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