Patents by Inventor Bruno Brachtl

Bruno Brachtl has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Transaction security system
    Patent number: 4755940
    Abstract: An electronic funds transfer system (EFT) is described in which retail terminals located in stores are connected through a public switched telecommunication system to card issuing agencies data processing centers. Users of the system are issued with intelligent secure bank cards, which include a microprocessor, ROS and RAM stores. The POS includes a personal key (KP) and an account number (PAN) stored on the card when the issuer issues it to the user. Users also have a personal identity number (PIN) which is stored or remembered separately.A transaction is initiated at a retail terminal when a card is inserted in an EFT module connected to the terminal. A request message including the PAN and a session key (KS) is transmitted to the issuers data processing center. The issuer generates an authentication parameter (TAP) based upon its stored version of KP and PIN and a time variant parameter received from the terminal.
    Type: Grant
    Filed: January 6, 1987
    Date of Patent: July 5, 1988
    Assignee: International Business Machines Corporation
    Inventors: Bruno Brachtl, Christopher J. Holloway, Richard E. Lennon, Stephen M. Matyas, Carl H. Meyer, Jonathan Oseas
  • Transaction security system using time variant parameter
    Patent number: 4747050
    Abstract: An electronic funds transfer system (EFT) is described in which retail terminals located in stores are connected through a public switched telecommunication system to card issuing agencies data processing centers. Users of the system are issued with intelligent secure bank cards, which include a microprocessor, ROS and RAM stores. The ROS includes a personal key (KP) and an account number (PAN) stored on the card when the issuer issues it to the user. Users also have a personal identity numbe (PIN) which is stored or remembered separately.A transaction is initiated at a retail terminal when a card is inserted in an EPT module connected to the terminal. A request message including the PAN and a session key (KS) is transmitted to the issuers data processing center. The issuer generates an authentication parameter (TAP) based upon its stored version of KP and PIN and a time variant parameter received from the terminal.
    Type: Grant
    Filed: August 28, 1987
    Date of Patent: May 24, 1988
    Assignee: International Business Machines Corporation
    Inventors: Bruno Brachtl, Christopher J. Holloway, Richard E. Lennon, Stephen M. Matyas, Carl H. Meyer, Jonathan Oseas