Methods and apparatus for securely conducting and

专利名称：Methods and apparatus for securely

conducting and authenticating transactionsover unsecured communication channels

发明人：Alberto J. Fernandez申请号：US09563448申请日：20000501公开号：US06760841B1公开日：20040706

专利附图：

摘要：A transaction processing system employs an authentication device whichreceives identifying and authentication information from a token such as a credit or debit

card. The authentication device forms an information block comprising the identifying andauthentication information and encrypts the information block using a preprogrammedkey. The information block is transferred to a transaction terminal such as a merchantterminal or customer computer and subsequently transferred to an authorizing server.The authorizing server transfers the information block to an authenticating server, whichdecrypts the information block, extracts the identifying and authentication informationand compares the identifying and authentication information against similar informationaccessible to the authenticating server. The authenticating server instructs theauthorizing server to accept or reject the transaction based on the result of thecomparison. Alternatively, a self-authenticating token may be employed in which

authentication information characteristic of the token is converted to a numerical format,encrypted and stored on the token. The authentication device decrypts the numericalrepresentation of the authentication information and compares it against the actualauthentication information. The authentication device accepts or rejects the transactionbased on the result of the comparison.

申请人：XTEC, INCORPORATED

代理机构：Priest & Goldstein, PLLC

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