Abstract: Systems and methods for performing token transactions are provided. In one embodiment, the invention provides for processing token transactions, including receiving an encrypted password for a debit card transaction, wherein the password was secured using encrypted debit-card information, decrypting the password using encrypted debit-card information for the debit card, recreating the password using actual debit-card information for the debit card, and forwarding the recreated password for subsequent transaction processing. The invention is suitable for implementation with other types of tokens in addition to debit-card tokens as well. The invention can be implemented in a scenario where the password includes a PIN block that is created by combining a clear or encrypted PIN for the token with token information.

Abstract: 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.

Abstract: A system for facilitating secure transactions between a purchaser and a vendor is provided. The system might include a purchaser token data capture device for reading token data into the system, an encryption module for encrypting the token data and a network based vendor input form for communicating the encrypted token data to the vendor. The system might further include a purchaser terminal for routing the encrypted token data to a transaction processing network or a vendor for providing payment and confirmation to the vendor of an authorized token.

Abstract: A method and apparatus for determining the distance between transitions from a first logical state to a second logical state stored on a medium (i.e., a document). This determination is used to precisely characterize the information pattern in order to authenticate the information and the medium on which the information is stored. The invention uses a reader having a leading and trailing read apparatus which allow information to be read simultaneously from two or more locations spaced a known distance apart. The distance between the centerlines of each read apparatus is preferably an odd integer multiple of one half the distance between logical clock transitions. The distance between a first transition at the leading read apparatus and a next transition at the trailing read apparatus is used as a reference (i.e., the “Reference Value”). The Reference Value is compared with the distance between the first transition and the next transition on the medium (i.e., the “Jitter Value”).

Abstract: A secure magnetic stripe card stripe reader (MSR) module and software system capable of encrypting the magnetic stripe data to 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 transparently to the existing infrastructure. Furthermore, this module and software system includes the capability of transparently providing detection of fraudulently copied magnetic stripe cards.

Abstract: 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.

Abstract: A method and apparatus for determining the distance between transitions from a first logical state to a second logical state stored on a medium (i.e., a document). This determination is used to precisely characterize the information pattern in order to authenticate the information and the medium on which the information is stored. The invention uses a reader having a leading and trailing read apparatus which allow information to be read simultaneously from two or more locations spaced a known distance apart. The distance between the centerlines of each read apparatus is preferably an odd integer multiple of one half the distance between logical clock transitions. The distance between a first transition at the leading read apparatus and a next transition at the trailing read apparatus is used as a reference (i.e., the “Reference Value”). The Reference Value is compared with the distance between the first transition and the next transition on the medium (i.e., the “Jitter Value”).

Abstract: A method and apparatus for determining the distance between transitions from a first logical state to a second logical state stored on a medium (i.e., a document). This determination is used to precisely characterize the information pattern in order to authenticate the information and the medium on which the information is stored. The invention uses a reader having a leading and trailing read apparatus which allow information to be read simultaneously from two or more locations spaced a known distance apart. The distance between the centerlines of each read apparatus is preferably an odd integer multiple of one half the distance between logical clock transitions. The distance between a first transition at the leading read apparatus and a next transition at the trailing read apparatus is used as a reference (i.e., the “Reference Value”). The Reference Value is compared with the distance between the first transition and the next transition on the medium (i.e., the “Jitter Value”).

Abstract: A method and apparatus for determining the distance between transitions from a first logical state to a second logical state stored on a medium (i.e., a document). This determination is used to precisely characterize the information pattern in order to authenticate the information and the medium on which the information is stored. The invention uses a reader having a leading and trailing read apparatus which allow information to be read simultaneously from two or more locations spaced a known distance apart. The distance between the centerlines of each read apparatus is preferably an odd integer multiple of one half the distance between logical clock transitions. The distance between a first transition at the leading read apparatus and a next transition at the trailing read apparatus is used as a reference (i.e., the “Reference Value”). The Reference Value is compared with the distance between the first transition and the next transition on the medium (i.e., the “Jitter Value”).

Abstract: 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.

Abstract: A secure magnetic stripe card stripe reader (MSR) module and software system capable of encrypting the magnetic stripe data to 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 transparently to the existing infrastructure. Furthermore, this module and software system includes the capability of transparently providing detection of fraudulently copied magnetic stripe cards.

Abstract: A magnetic stripe card manual swipe reader (MSR) unit capable of attaching to and communicating with a conventional personal digital assistant (PDA) from various manufacturers, using only the electrical power available as supplied by the PDA device, and capable of effective electrical power management and conservation operations. Additionally, this PDA attachable MSR unit is capable of recognizing multiple magnetic encoding formats and data record formats and converting said formats to a standardized output format, includes the capability of updating and adding new formats while in field service, and is readily allows verifying card data and encoding sensitive material prior to transmission to the PDA. These custom formats can then be used to fulfill current needs in age verification, law enforcement, security, and numerous other applications.

Abstract: A magnetic stripe card manual swipe reader (MSR) unit capable of attaching to and communicating with a conventional personal digital assistant (PDA) from various manufacturers, using only the electrical power available as supplied by the PDA device, and capable of effective electrical power management and conservation operations. Additionally, this PDA attachable MSR unit is capable of recognizing multiple magnetic encoding formats and data record formats and converting said formats to a standardized output format, includes the capability of updating and adding new formats while in field service, and is readily allows verifying card data and encoding sensitive material prior to transmission to the PDA. These custom formats can then be used to fulfill current needs in age verification, law enforcement, security, and numerous other applications.

Abstract: The present invention is directed to a combination wireless and wired token access distributed network and system comprising a secure locator network (SLN) system having one or more network system controllers (NSCs), and where the data collection and transmission nodes (DCTNs) are magnetic stripe card readers or chip card readers that broadcast the data read from the data token card to data access points (DAPs) using wireless communications. The DAPs store the data in a table which is made available for TCP/IP access. The NSCs contain processing software which poll the DAPs at regular intervals, captures the resulting data table, parses said data and stores it in a database. This data is available for applications residing on the NSCs. If the SLN is connected to a larger network, such as a global computer network, applications on other linked computers or data processors can access the data for processing, depending upon security considerations and protocols.

Abstract: A method and apparatus for placing and later determining the distance between transitions from a first logical state to a second logical state stored on a medium, for example, a document. This determination is used to precisely characterize the information pattern in order to authenticate the information and the medium on which the information is stored. The invention uses a reader having a leading and trailing read apparatus, which allow information to be read simultaneously from two or more locations spaced a known distance apart. The distance between the center lines of each read apparatus is preferably an odd integer multiple of one half the distance between logical clock transitions. The distance between a first transition at the leading read apparatus and a next transition at the trailing read apparatus is used as a reference, hence given the term the “Reference Value”. The Reference Value is compared with the distance between the first transition and a second transition on the medium.

Abstract: A method and apparatus for placing and later determining the distance between transitions from a first logical state to a second logical state stored on a medium, for example, a document. This determination is used to precisely characterize the information pattern in order to authenticate the information and the medium on which the information is stored. The invention uses a reader having a leading and trailing read apparatus, which allow information to be read simultaneously from two or more locations spaced a known distance apart. The distance between the center lines of each read apparatus is preferably an odd integer multiple of one half the distance between logical clock transitions. The distance between a first transition at the leading read apparatus and a next transition at the trailing read apparatus is used as a reference, hence given the term the “Reference Value”. The Reference Value is compared with the distance between the first transition and a second transition on the medium.

Abstract: A secure token access distributed database system to provide verification of someone's or something's identity quickly and securely is provided, wherein such database and system is readily scalable from local to nationwide to worldwide use. The system specifically addresses the use of an authenticated user identification (ID) where any accepted authentication scheme can be employed in combination with a number of secure enabled databases connected by any means, including LAN, WAN, Internet, and dedicated lines, to provide value-added data in real-time at the main point of security contact. Furthermore, the instant invention provides a concept by which a potentially unlimited number of secure enabled databases containing various kinds of data potentially useful to a requesting entity, are either connected by some network means, or exposed to the Internet through a secure connection. Data transfer may also be bi-directional.

Abstract: A magnetic stripe card manual swipe reader (MSR) unit capable of attaching to and communicating with a conventional personal digital assistant (PDA) from various manufacturers, using only the electrical power available as supplied by the PDA device, and capable of effective electrical power management and conservation operations. Additionally, this PDA attachable MSR unit is capable of recognizing multiple magnetic encoding formats and data record formats and converting said formats to a standardized output format, includes the capability of updating and adding new formats while in field service, and is readily allows verifying card data and encoding sensitive material prior to transmission to the PDA. These custom formats can then be used to fulfill current needs in age verification, law enforcement, security, and numerous other applications.

Abstract: A magnetic head assembly with dual parallelogram supporting structure device and method of making the same has a single or multiple track magnetic stripe read head transducer mounted to a support structure by a dual parallelogram spring structure. This dual spring structure allows the head to move perpendicularly and rotationally to the magnetic stripe while preventing the head from rotating in the y direction, namely, preventing lateral movement. The novel magnetic head assembly is produced using a rapid and accurate assembly without the use of mounting screws in single and multiple track configurations. The unique spring also reduces wear on the magnetic heads which increases the functional life of the unit. The simple construction allows inexpensive manufacture of the magnetic head assembly, yet the durability of available manufacturing materials and the structure of the spring provide the magnetic head assembly with a long useful life, requiring little or no maintenance expense or upkeep.

Abstract: A method and apparatus for determining the distance between transitions from a first logical state to a second logical state stored on a medium (i.e., a document). This determination is used to precisely characterize the information pattern in order to authenticate the information and the medium on which the information is stored. The invention uses a reader having a leading and trailing read apparatus which allow information to be read simultaneously from two or more locations spaced a known distance apart. The distance between the centerlines of each read apparatus is preferably an odd integer multiple of one half the distance between logical clock transitions. The distance between a first transition at the leading read apparatus and a next transition at the trailing read apparatus is used as a reference (i.e., the “Reference Value”). The Reference Value is compared with the distance between the first transition and the next transition on the medium (i.e., the “Jitter Value”).