[특허]Coding formula for verifying checks and credit cards

Coding formula for verifying checks and credit cards 원문보기

IPC분류정보
국가/구분	United States(US) Patent 등록
국제특허분류(IPC7판)	H04L-004/00
출원번호	US-0506781 (1995-07-26)
발명자 / 주소	Canfield Henry A.
대리인 / 주소	Gaskin
인용정보	피인용 횟수 : 67 인용 특허 : 0

초록 ▼

A method is disclosed for verifying that a check user, a credit card holder, or an account user is authorized to complete a transaction. The issuer of the check or credit card or the verifying entity assigns a security code formula to each user, consisting of two variables: a base code number separated into two parts; and one or more arithmetic modes. The authorized user will calculate a verification code number in a two step process using the two parts of the base code and the check number or transaction amount; he then places it on the check or the transaction slip. Verification can be performed by the issuer, who ensures that a correct verification code number has been entered on the check or transaction slip.

대표청구항 ▼

[ I claim:] [5.] A method of verifying that a commercial check is being completed by both an authorized payor of said commercial check and an authorized payee of said commercial check, comprising the steps of:a. issuing commercial checks to a payor;b. assigning a different security code formula to each of said commercial check payor and each payee and making each assigned security code formula known to the commercial check payer and the payee, each said formula consisting of two variables, namely:(1) a constant, multiple-digit numerical base code, said base code being separated into a first part and a second part; and(2) one or more arithmetic modes;c. upon completion of said commercial check, having said payor ascertain a check number;d. requiring said payor to calculate a payor verification code number, which is a mathematical result of performing said arithmetic mode upon the check number and the first part of payor's said base code, and then performing said arithmetic mode or the second arithmetic mode upon the second part of said base code;e. requiring said payor to inscribe said payor's verification code number on a payor verification line on said commercial check and to inscribe any single-digit number or numbers to complete an eight-digit entry;f. upon receipt of said commercial check, requiring said payee to calculate a payee verification code number, which is a mathematical result of performing said arithmetic mode upon the check number and the first part of payee's said base code, and then performing said arithmetic mode or the second arithmetic mode upon the result and the second part of said base code.g. requiring said payee to inscribe said payee's verification code number on a payee verification line on said commercial check and to inscribe any single-digit number or numbers to complete an eight-digit entry;h. upon presentation of said commercial check for payment, verifying said payor verification code number and said payee verification code number by comparing each to the verification code numbers which would be produced by each of said security code formulas for said payor and for said payee.

이 특허를 인용한 특허 (67)

Wong, Jacob Y.; Anderson, Roy L., Anonymous electronic card for generating personal coupons useful in commercial and security transactions.
상세보기
Sandru Calin A.,CAX, Apparatus and method for enhancing the security of negotiable documents.
상세보기
Sandru, Calin A., Apparatus and method for enhancing the security of negotiable documents.
상세보기
Sandru, Calin A., Apparatus and method for enhancing the security of negotiable instruments.
상세보기
Anderson, Roy L.; Wong, Jacob Y; Routhenstein, Larry, Electronic card.
상세보기
Tedesco, Daniel E.; Jorasch, James A.; Lech, Robert R., Method and apparatus for dynamically managing vending machine inventory prices.
상세보기
Tedesco, Daniel E.; Jorasch, James A.; Lech, Robert R., Method and apparatus for dynamically managing vending machine inventory prices.
상세보기
Walker Jay S. ; Jindal Sanjay K. ; Jorasch James A., Method and apparatus for funds and credit line transfers.
상세보기
Walker Jay S. ; Jindal Sanjay K. ; Jorasch James A., Method and apparatus for funds and credit line transfers.
상세보기
Tedesco Daniel E. ; Jorasch James A., Method and apparatus for processing checks to reserve funds.
상세보기
Walker, Jay S.; Van Luchene, Andrew S.; Fincham, Magdalena M., Method and apparatus for product display.
상세보기
Walker,Jay S.; Van Luchene,Andrew S.; Fincham,Magdalena M., Method and apparatus for product display.
상세보기
Walker, Jay S.; Tedesco, Daniel E.; Jorasch, James A.; Lech, Robert R.; Alderucci, Dean P., Method and apparatus for vending a combination of products.
상세보기
Walker, Jay S.; Tedesco, Daniel E.; Packes, Jr., John M.; Rattner, Charles A.; Mik, Magdalena; Van Luchene, Andrew S., Method and apparatus for vending products.
상세보기
Walker Jay S. ; Schneier Bruce ; Jindal Sanjay K. ; Tedesco Daniel E., Method and device for generating a single-use financial account number.
상세보기
Walker, Jay S.; Schneier, Bruce; Jindal, Sanjay K.; Tedesco, Daniel E., Method and device for generating a single-use financial account number.
상세보기
Walker, Jay S.; Schneier, Bruce; Jindal, Sanjay K.; Tedesco, Daniel E., Method and device for generating a single-use financial account number.
상세보기
Walker, Jay S.; Schneier, Bruce; Jindal, Sanjay K.; Tedesco, Daniel E., Method and device for generating a single-use financial account number.
상세보기
Walker,Jay S.; Schneier,Bruce; Jindal,Sanjay K.; Tedesco,Daniel E., Method and device for generating a single-use financial account number.
상세보기
Kane, Larry J., Method and means for registering a debit card.
상세보기
Anderson, Roy L.; Bryant, Jr., William R.; Wong, Jacob Y., Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions.
상세보기
Kelly, James John; Rowley, III, Robert Dean; Sandler, Todd Adam; Struble, Daniel Lloyd; Wolfs, Rudolph Christian; DeLiberis, Joseph, Method for authenticating financial instruments and financial transaction requests.
상세보기
Pinski, David Aaron, Method for authenticating financial transaction requests using a website or web portal.
상세보기
Routhenstein,Larry, Method for generating customer secure card numbers.
상세보기
Routhenstein, Larry; Anderson, Roy L.; Bryant, William R.; Wong, Jacob Y., Method for generating customer secure card numbers subject to use restrictions by an electronic card.
상세보기
Kane, Larry J., Method for preventing identity theft.
상세보기
Pinski, David Aaron, Method for securely clearing checks.
상세보기
Wong, Jacob Y.; Anderson, Roy L., Method for storing data in payment card transaction.
상세보기
Dillon, Pattie Suozzi; Giordano, James M.; Galle, Kenneth A., Method, system, and apparatus for identification number authentication.
상세보기
Gross, Mitchell I., Payment certification string and related electronic payment system and method.
상세보기
Walker, Jay S.; Tedesco, Daniel E.; Fincham, Magdalena M., Pre-sale data broadcast system and method.
상세보기
Walker, Jay S.; Tedesco, Daniel E.; Fincham, Magdalena M., Pre-sale data broadcast system and method.
상세보기
Walker, Jay S.; Tedesco, Daniel E.; Mik, Magdalena, Pre-sale data broadcast system and method.
상세보기
Walker, Jay. S; Tedesco, Daniel E.; Mik, Magdalena, Pre-sale data broadcast system and method.
상세보기
Walker,Jay. S; Tedesco,Daniel E.; Mik,Magdalena, Pre-sale data broadcast system and method.
상세보기
Walker, Jay S.; Tedesco, Daniel E.; Alderucci, Dean P., Products and processes for managing the prices of vending machine inventory.
상세보기
Walker, Jay S.; Breitenbach, Paul T.; Tedesco, Daniel E.; Lee, Sih Y.; Signorelli, Paul D.; Gelman, Geoffrey M.; Jorasch, James A., Products and processes for vending a plurality of products.
상세보기
Walker, Jay S.; Breitenbach, Paul T.; Tedesco, Daniel E.; Lee, Sih Y.; Signorelli, Paul D.; Gelman, Geoffrey M.; Jorasch, James A., Products and processes for vending a plurality of products via defined groups.
상세보기
Walker, Jay S.; Breitenbach, Paul T.; Tedesco, Daniel E.; Lee, Sih Y.; Signorelli, Paul D.; Gelman, Geoffrey M.; Jorasch, James A., Products and processes for vending a plurality of products via defined groups.
상세보기
Walker,Jay S.; Breitenbach,Paul T.; Tedesco,Daniel E.; Lee,Sih Y.; Signorelli,Paul D.; Gelman,Geoffrey M.; Jorasch,James A., Products and processes for vending a plurality of products via defined groups.
상세보기
Walker, Jay S.; Van Luchene, Andrew S.; Mik, Magdalena; Tedesco, Daniel E., Purchasing systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network.
상세보기
Walker, Jay S.; Van Luchne, Andrew S.; Fincham, Magdalena M.; Tedesco, Daniel E., Purchasing, redemption and settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network.
상세보기
Walker, Jay S.; Van Luchne, Andrew S.; Fincham, Magdalena M.; Tedesco, Daniel E., Purchasing, redemption, and settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network.
상세보기
Gangi, Frank J., Retail point-of-transaction system, program products, and related methods to provide a customized set of identification data to facilitate a transaction using electronic coupons.
상세보기
Gangi, Frank Joseph, Retail point-of-transaction system, program products, and related methods to provide a customized set of identification data to facilitate a transaction using electronic coupons.
상세보기
Walker, Jay S.; Kim, Peter; Jorasch, James A.; Fincham, Magdalena Mik; Tedesco, Daniel E.; Sammon, Russell Pratt; Golden, Andrew P.; Mueller, Raymond J.; Bemer, Keith; Van Luchene, Kathleen, Retail system for selling products based on a flexible product description.
상세보기
Walker, Jay S.; Kim, Peter; Jorasch, James A.; Fincham, Magdalena Mik; Tedesco, Daniel E; Sammon, Russell Pratt; Golden, Andrew P.; Mueller, Raymond J.; Bemer, Keith; Van Luchene, Kathleen, Retail system for selling products based on a flexible product description.
상세보기
Walker, Jay S.; Kim, Peter; Jorasch, James A.; Mik, Magdalena; Tedesco, Daniel E.; Sammon, Russell Pratt; Golden, Andrew P.; Mueller, Raymod J.; Bemer, Keith; Van Luchene, Kathleen, Retail system for selling products based on a flexible product description.
상세보기
Walker, Jay S.; Kim, Peter; Jorasch, James A.; Mik, Magdalena; Tedesco, Daniel E.; Sammon, Russell Pratt; Golden, Andrew P.; Mueller, Raymod J.; Bemer, Keith; Van Luchene, Kathleen, Retail system for selling products based on a flexible product description.
상세보기
Walker, Jay S.; Kim, Peter; Jorasch, James A.; Mik, Magdalena; Tedesco, Daniel E.; Sammon, Russell Pratt; Golden, Andrew P.; Mueller, Raymod J.; Bemer, Keith; Van Luchene, Kathleen, Retail system for selling products based on a flexible product description.
상세보기
Walker,Jay S.; Otto,Jonothan; Van Luchene,Andrew S.; Mik,Magdalena; Tedesco,Daniel E.; Levitan,Ian, Settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network.
상세보기
Norton Robert G., System and method for authorizing electronic funds transfer at a point of sale.
상세보기
D'Agostino, John, System and method for performing secure credit card transactions.
상세보기
Degen Robert George ; Mellinger Philip Thomas, System and method for providing a card transaction authorization fraud warning.
상세보기
Abrams, Jr., William Pierce; Kelly, James John; Rowley, III, Robert Dean; Sandler, Todd Adam; Struble, Daniel Lloyd; Wolfs, Rudolph Christian, System and method for securing payment instruments.
상세보기
Ellingson,Robert E., System and method for thwarting identity theft and other identity misrepresentations.
상세보기
Walker, Jay S.; Jorasch, James A.; Van Luchene, Andrew S., System and process for local acquisition of products priced online.
상세보기
Gangi, Frank J., System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods.
상세보기
Gangi,Frank J., System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods.
상세보기
Walker, Jay S.; Tedesco, Daniel E., System for vending physical and information items.
상세보기
Walker, Jay S.; Tedesco, Daniel E., System for vending physical and information items.
상세보기
Walker,Jay S.; Jorasch,James A.; Van Luchene,Andrew S., Systems and methods wherein a buyer purchases a product at a first price and physically acquires the product at a location associated with a merchant that offers the product for sale at a second pric.
상세보기
Walker, Jay S.; Tedesco, Daniel E.; Van Luchene, Andrew S.; Bemer, Keith, Vending machine system and method for encouraging the purchase of profitable items.
상세보기
Walker,Jay S.; Tedesco,Daniel E.; Van Luchene,Andrew S.; Bemer,Keith, Vending machine system and method for encouraging the purchase of profitable items.
상세보기
Gangi, Frank J., Wallet consolidator and related methods of processing a transaction using a wallet consolidator.
상세보기
Gangi, Frank, Wallet consolidator to facilitate a transaction.
상세보기
Gangi, Frank J., Wallet consolidator to facilitate a transaction.
상세보기

IPC	Description
A	생활필수품
A62	인명구조; 소방(사다리 E06C)
A62B	인명구조용의 기구, 장치 또는 방법(특히 의료용에 사용되는 밸브 A61M 39/00; 특히 물에서 쓰이는 인명구조 장치 또는 방법 B63C 9/00; 잠수장비 B63C 11/00; 특히 항공기에 쓰는 것, 예. 낙하산, 투출좌석 B64D; 특히 광산에서 쓰이는 구조장치 E21F 11/00)
A62B-1/08	.. 윈치 또는 풀리에 제동기구가 있는 것

내보내기 구분	파일저장 인쇄 메일전송
구성항목	기본정보 상세정보 관리번호, 국가코드, 자료구분, 상태, 출원번호, 출원일자, 공개번호, 공개일자, 등록번호, 등록일자, 발명명칭(한글), 발명명칭(영문), 출원인(한글), 출원인(영문), 출원인코드, 대표IPC 관리번호, 국가코드, 자료구분, 상태, 출원번호, 출원일자, 공개번호, 공개일자, 공고번호, 공고일자, 등록번호, 등록일자, 발명명칭(한글), 발명명칭(영문), 출원인(한글), 출원인(영문), 출원인코드, 대표출원인, 출원인국적, 출원인주소, 발명자, 발명자E, 발명자코드, 발명자주소, 발명자 우편번호, 발명자국적, 대표IPC, IPC코드, 요약, 미국특허분류, 대리인주소, 대리인코드, 대리인(한글), 대리인(영문), 국제공개일자, 국제공개번호, 국제출원일자, 국제출원번호, 우선권, 우선권주장일, 우선권국가, 우선권출원번호, 원출원일자, 원출원번호, 지정국, Citing Patents, Cited Patents
저장형식	Text(ASCII format) Excel format PIAS분석(.xls)
메일정보	받는사람 (필수) @ 보내는사람 (선택) @ 제목 내용 KISTI 검색결과 이메일 서비스
안내	총 건의 자료가 검색되었습니다. 다운받으실 자료의 인덱스를 입력하세요. (1-10,000) 검색결과의 순서대로 최대 10,000건 까지 다운로드가 가능합니다. 데이타가 많을 경우 속도가 느려질 수 있습니다.(최대 2~3분 소요) 다운로드 파일은 UTF-8 형태로 저장됩니다. 파일의 내용이 제대로 보이지 않을실 때는 웹브라우저 상단의 보기 -> 인코딩 -> 자동선택 여부를 확인하십시오. ~ Text(ASCII format) Excel format

연합인증

Coding formula for verifying checks and credit cards 원문보기

초록 ▼

대표청구항 ▼

연구과제 타임라인

이 특허를 인용한 특허 (67)

관련 콘텐츠

특허 원문 보기

IPC 상위 출원인

AI-Helper ※ AI-Helper는 오픈소스 모델을 사용합니다.

선택된 텍스트

연합인증

Coding formula for verifying checks and credit cards 원문보기

초록 ▼

대표청구항 ▼

연구과제 타임라인

전체(0) 논문(0) 특허(0) 보고서(0)

전체(0) 논문(0) 특허(0) 보고서(0)

이 특허를 인용한 특허 (67)

관련 콘텐츠

특허 원문 보기

IPC 상위 출원인

AI-Helper ※ AI-Helper는 오픈소스 모델을 사용합니다.

선택된 텍스트