Patent application number | Description | Published |
20080223932 | TRANSPARENTLY SECURING TRANSACTIONAL DATA - A secure magnetic stripe card stripe reader (MSR) module and software system capable of encrypting the magnetic stripe data to CPI, SDP and CISP standards for use in point of sale (POS) and other applications requiring data security using non secure networks and computing devices. Additionally, when incorporated within an attachment for conventional personal digital assistant (PDA) or cell phone or stationary terminal, provides encrypted data from the magnetic head assembly providing compliance with Federal Information Processing Standards Publication Series FIPS 140 covering security and tampering standards. Moreover, this module and software system includes the capability of providing secure POS transactions to legacy transaction processing systems and POS terminals transparently to the existing infrastructure. Furthermore, this module and software system includes the capability of transparently providing detection of fraudulently copied magnetic stripe cards. | 09-18-2008 |
20080243701 | TRANSPARENTLY SECURING DATA FOR TRANSMISSION ON FINANCIAL NETWORKS - Systems and methods for performing financial transactions are provided. In one embodiment, the invention provides a method for processing token data for a bank card transaction, the method includes: receiving a string of first token data from a token at a token reader; modifying the first token data and generating second token data, the second token data including modified token data; performing a modulo arithmetic operation on the second token data and determining a mod | 10-02-2008 |
20080288403 | PIN ENCRYPTION DEVICE SECURITY - An apparatus and method for securing transaction data, includes reading token data from a token using a read apparatus and encrypting the token data at the read apparatus, sending the encrypted token data to a security module over a communication link, and verifying the integrity of the communication link based on encrypted token data. The apparatus and method can further include receiving authentication data for the token and encrypting the authentication data within the security module, and combining the encrypted token data and encrypted authentication data into a transaction data stream. In various embodiments, a detection apparatus with plurality of read structures (for example, read gaps), can be used to provide additional information in verifying the integrity of the communication link comprises determining whether the read structures are detecting token data with a spatially diversity in accordance with a geometry of the read structures. | 11-20-2008 |
20080290166 | MULTI DIMENSIONAL READ HEAD ARRAY - A method and apparatus for reading data from a track of a magnetic stripe are provided. According to one implementation, the method provides detecting a magnetic transition on the track by each of a plurality of read mechanisms arranged in a plurality of columns across the track; determining an epoch for each detection of the transition by the plurality of read mechanisms; and characterizing the magnetic stripe based on the epochs determined for the transition detections. The apparatus can include a plurality of read mechanisms arranged so as to be oriented in a plurality of columnar arrays across the track when the track is moved relative to the arrays; and detection circuitry coupled to the read mechanisms. | 11-27-2008 |
20080290167 | MULTI DIMENSIONAL READ HEAD ARRAY - A method and apparatus for reading data from a track of a magnetic stripe are provided. According to one implementation, the method provides detecting a magnetic transition on the track by each of a plurality of read mechanisms arranged in a column across the track; determining an epoch for each detection of the transition by the plurality of read mechanisms; and characterizing the magnetic stripe based on the epochs determined for the transition detections. The apparatus can include a plurality of read mechanisms arranged so as to be oriented in a columnar array across the track when the track is moved relative to the array; and detection circuitry coupled to the read mechanisms. | 11-27-2008 |
20090048953 | METRICS SYSTEMS AND METHODS FOR TOKEN TRANSACTIONS - Systems and methods for monitoring token access transactions are provided. In one embodiment, the invention provides receiving transaction records for a plurality of bank card transactions, wherein the transaction records include transaction information and infrastructure information; determining whether a reportable event has occurred based on the transaction information with the transaction records; and providing an alert representing the reportable event. | 02-19-2009 |
20090060199 | SYSTEM AND METHOD FOR UPDATING A TRANSACTIONAL DEVICE - Systems and methods for updating a transactional device having a reader is provided. In one embodiment, the method includes: reading data on a command token, wherein the data is stored in a memory device; identifying the token as a command token based on the data; generating transaction data that include an instruction based on the token data and a code identifying the instruction as a command data; and transmitting the transaction data to a remote device for command execution. | 03-05-2009 |
20090070583 | SYSTEM AND METHOD FOR SECURE TRANSACTION - Systems and methods for performing a secure transaction provided. In one embodiment, the method includes: reading data on a command token, reading data on a token; encrypting the token data with a key; encrypting an authentication data with a clear text token data; and transmitting the encrypted authentication data with the encrypted token data to a remote device. | 03-12-2009 |
20090310778 | VARIABLE-LENGTH CIPHER SYSTEM AND METHOD - Systems and methods for enciphering data are provided. In one embodiment, information is enciphered using a variable block length cipher that returns the encrypted symbol set in the same format as the plaintext symbol set. The cipher can be based on DES, AES or other block ciphers. In one example implementation a method for enciphering token information the invention provides for enciphering token information by constructing a tweak of a defined length using token information; converting the tweak to a bit string of a defined size to form a first parameter; converting a number of digits of plaintext to a byte string of a defined size to form a second parameter, wherein the number of digits converted varies; defining a data encryption standard key; applying the data encryption standard key to the first and second parameters; computing a specified number of encryption rounds; and receiving enciphered token information. | 12-17-2009 |
20100034434 | DETECTING FORGED MAGSTRIPE DATA THROUGH RELATIVE VARIATIONS IN FLUX TRANSITION LOCATION, SYSTEM AND METHOD - Systems and methods for detecting forged magnetic stripe data through relative variations in flux transition location are provided. In one embodiment, the invention provides a method for detecting forged magnetic stripe data. The method provides for reading a magnetic strip multiple times to obtain multiple signatures and then generating a signature mask and weight based on the multiple signatures. These signatures are then compared with a known authentic signature. Based on the comparison results, a forged magnetic stripe may be detected. Additional embodiments focus on variations in the placement of the flux data transitions on the magnetic slurry rather than on the noise inherent in the slurry. | 02-11-2010 |
20120039469 | SYSTEM AND METHOD FOR VARIABLE LENGTH ENCRYPTION - Systems and methods for performing a secure transaction provided. In one embodiment, the method includes: reading data on a command token, reading data on a token; encrypting the token data with a key; encrypting an authentication data with a clear text token data; and transmitting the encrypted authentication data with the encrypted token data to a remote device. | 02-16-2012 |
20120330843 | TRANSPARENTLY SECURING DATA FOR TRANSMISSION ON FINANCIAL NETWORKS - Systems and methods for performing financial transactions are provided. In one embodiment, the invention provides a method for processing token data for a bank card transaction, the method includes: receiving a string of first token data from a token at a token reader; modifying the first token data and generating second token data, the second token data including modified token data; performing a modulo arithmetic operation on the second token data and determining a mod | 12-27-2012 |
20130117138 | METRICS SYSTEMS AND METHODS FOR TOKEN TRANSACTIONS - Systems and methods for monitoring token access transactions are provided. In one embodiment, the invention provides receiving transaction records for a plurality of token transactions, wherein the transaction records include transaction information and infrastructure information; determining whether a reportable event has occurred based on the transaction information with the transaction records; and providing an alert representing the reportable event. | 05-09-2013 |
20140344580 | SYSTEM AND METHOD FOR VARIABLE LENGTH ENCRYPTION - Systems and methods for performing a secure transaction provided. In one embodiment, the method includes: reading data on a command token, reading data on a token; encrypting the token data with a key; encrypting an authentication data with a clear text token data; and transmitting the encrypted authentication data with the encrypted token data to a remote device. | 11-20-2014 |
20140365375 | BATCH SETTLEMENT TRANSACTIONS SYSTEM AND METHOD - Systems and methods for performing settlement of token access transactions are provided. In one embodiment, the invention provides for batch processing bank card transactions, including receiving transaction records for a plurality of bank card transactions, wherein at least some of the transaction records include encrypted token information; determining whether the transaction records contain encrypted token information; decrypting the encrypted token information for a transaction record that is determined to have encrypted token information; and providing clear text token information obtained by decrypting the encrypted token information for a transaction record for transaction settlement. | 12-11-2014 |