Patents by Inventor Joseph C. Kawan
Joseph C. Kawan 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).
-
Patent number: 6442532Abstract: A financial information and transaction system utilizes wireless communication in connection with portable terminals. In this system, a terminal is connected to the financial institution via a wireless or cellular telephone hook-up. Smart cards are utilized to verify authorization for transactions, thereby minimizing potential security problems which could otherwise result from use of a mobile terminal. Alternately, a smart card is advantageously utilized not only for authorization, but also to maintain a secure record of available funds. The system not only provides the functionality of an ATM network, but also provides non-financial services, thereby forming an integrated system.Type: GrantFiled: August 17, 1998Date of Patent: August 27, 2002Assignee: Transaction Technology Inc.Inventor: Joseph C. Kawan
-
Patent number: 6422459Abstract: A method and system for batch loading a stored value application of a microprocessor based stored value card includes a stored value card reader/writer connected to a local computer device and a batch-load application running on the same computer device which securely stores load key information and emulates the remote functions of an on-line load transaction. The computer also has a security module for storing load key information and an encryption device. Communication is initiated on the card reader at the local computer device between the stored value application and the batch-load application, and an off-line batch-load transaction is performed in which the load key information is validated and a funding source is also validated. An authorizing message is sent by the batch-load application to the stored value application with data representing a pre-selected monetary value.Type: GrantFiled: October 13, 1998Date of Patent: July 23, 2002Assignee: Citicorp Development Center, Inc.Inventor: Joseph C. Kawan
-
Publication number: 20020065712Abstract: A method and system for tracking and redeeming smart card loyalty points includes storing loyalty program information related to transactions with at least one merchant in a loyalty register residing on a smart card microcomputer for the customer. Transaction information about transactions with the merchant is stored in a purchase log likewise residing on the smart card microcomputer for the customer. The stored transaction information is compared with the stored loyalty program information, and transaction information about one or more transactions with the merchant which is stored in the purchase log, but which is omitted from the loyalty register, is automatically identified. The stored loyalty program information is then automatically updated with the omitted transaction information.Type: ApplicationFiled: January 21, 1999Publication date: May 30, 2002Inventor: JOSEPH C. KAWAN
-
Publication number: 20020062284Abstract: A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and the on-line system of a financial institution, such as a bank, the system verifies authorization for the communication, the information is communicated for the user to the on-line system. The contactless communication is initiated, and the information is communicated, for example, between a contactless interface transceiver of a personal data assistant, into which the smart card is inserted, and the contactless interface transceiver of an on-line terminal. Alternatively, the contactless communication is initiated, and the information is communicated between a contactless interface transceiver of the smart card and the contactless interface transceiver of the terminal.Type: ApplicationFiled: January 28, 1999Publication date: May 23, 2002Inventor: JOSEPH C. KAWAN
-
Patent number: 6370029Abstract: A system for providing specialized contacts for electronic information on a smart card or other device in the pattern of a source identifier, such that a machine may contact and read the information upon placement of the card in the machine. The contact points for reading information on the card are formed by etching a substrate attached to the logic element of the smart card. The etching allows both the foreground and the background of an image, in two selected colors, to be included within the contact area of the smart card, with the foreground constituting the conductor and the background the substrate. Additionally, the present invention provides electrostatic discharge (ESD) protection for a semiconductor circuit within the smart card without changing the appearance or method of forming the contact points.Type: GrantFiled: September 29, 2000Date of Patent: April 9, 2002Assignee: Transaction Technology, Inc.Inventor: Joseph C. Kawan
-
Publication number: 20010049785Abstract: A method and system for authenticating the identity of a user by an authority makes use of presenting biometric data for the user in a predetermined shared secret sequence. The method and system can be augmented by requesting an additional shared secret, such as a PIN or additional credentials, to establish multiple layers of authentication. Varying the layers of authentication results in greater or lesser security, and the accuracy for any given layer can be relaxed without compromising the integrity of the entire method.Type: ApplicationFiled: January 25, 2001Publication date: December 6, 2001Inventors: Joseph C. Kawan, Yosif Smushkovich, Ronald King-Hang Chu
-
Patent number: 6289324Abstract: A financial information and transaction system comprising a host financial computer system, which host system maintains records of user account information; at least one terminal providing a user interface for accessing the host financial computer system, the at least one terminal including a means for transmitting and receiving data corresponding to the user account information, and a smart card interface device; wherein access to the records of user account information are organized in a hierarchy of three or more levels, which hierarchy comprises an initial level, a final level, and one or more intervening levels; wherein the records of user account information are accessed by passing through the hierarchy of three or more levels; and wherein means are provided for allowing access to the final level in the hierarchy by an automated task without passing through the one or more intervening levels is described.Type: GrantFiled: January 4, 2000Date of Patent: September 11, 2001Assignee: Citicorp Development Center, Inc.Inventor: Joseph C. Kawan
-
Publication number: 20010013542Abstract: The present invention discloses a system and method enabling value stored in an advanced technology memory on a transaction card to be utilized in a magnetic stripe transaction with the card. The invention provides a special transaction number that is encrypted and recorded on the magnetic stripe of the card. The special transaction number may comprise the value to be transferred or transaction amount, a personal identification number (“PIN”), as well as other pertinent information. The special transaction number may be recorded in a discretionary data field, non-discretionary data field, or in a combination of both. Further, an indicator character may also be recorded on the magnetic stripe to alert a host system of a financial institution of the existence of the special transaction number. The present invention provides a number of techniques for encrypting the special transaction number.Type: ApplicationFiled: July 2, 1998Publication date: August 16, 2001Inventors: EDWARD HOROWITZ, JOSEPH C. KAWAN, HENRY LICHSTEIN
-
Patent number: 6235553Abstract: A method and system for providing specialized contacts for electronic information on a smart card or other device in the pattern of a source identifier, such that a machine may contact and read the information upon placement of the card in the machine. The contact points for reading information on the card are formed by etching a substrate attached to the logic element of the smart card. The etching allows both the foreground and the background of an image, in two selected colors, to be included within the contact area of the smart card, with the foreground constituting the conductor and the background the substrate. Additionally, the present invention provides electrostatic discharge (ESD) protection for a semiconductor circuit within the smart card without changing the appearance or method of forming the contact points.Type: GrantFiled: November 12, 1998Date of Patent: May 22, 2001Assignee: Transaction Technology, Inc.Inventor: Joseph C. Kawan
-
Patent number: 6012049Abstract: A financial information and transaction system comprising a host financial computer system, which host system maintains records of user account information; at least one terminal providing a user interface for accessing the host financial computer system, the at least one terminal including a means for transmitting and receiving data corresponding to the user account information, and a smart card interface device; wherein access to the records of user account information are organized in a hierarchy of three or more levels, which hierarchy comprises an initial level, a final level, and one or more intervening levels; wherein the records of user account information are accessed by passing through the hierarchy of three or more levels; and wherein means are provided for allowing access to the final level in the hierarchy by an automated task without passing through the one or more intervening levels is described.Type: GrantFiled: February 4, 1998Date of Patent: January 4, 2000Assignee: Citicorp Development Center, Inc.Inventor: Joseph C. Kawan
-
Patent number: 5844218Abstract: A smart card for financial transactions that can be programmed to operate using a variety of applications is disclosed. The card includes an interpreter that interfaces the smart card and an automatic teller machine or merchant terminal. The card includes a plurality of application modules each of which contain application programming that can be used by the interpreter to manage the card-to-system interface. At least one of the application modules can be reprogrammed to provide application programming for the interpreter that is compatible with the locally prevalent application program used by automatic teller machines and card terminals in the area where the cardholder is traveling.Type: GrantFiled: July 16, 1996Date of Patent: December 1, 1998Assignee: Transaction Technology, Inc.Inventors: Joseph C. Kawan, Warren Yung-Hang Tan
-
Patent number: 5837153Abstract: A method and system for providing specialized contacts for electronic information on a smart card in the pattern of a source identifier and such that a machine may contact and read the information upon placement of the card in a reading device. The contact points for reading information on the card are formed by etching a substrate attached to the logic element of the smart card. The etching allows both the foreground and the background of an image, in two selected colors, to be included within the contact area of the smart card, with the foreground constituting the conductor and the background the resist.Type: GrantFiled: January 15, 1997Date of Patent: November 17, 1998Inventor: Joseph C. Kawan
-
Patent number: 5796832Abstract: A financial information and transaction system utilizes wireless communication in connection with portable terminals. In this system, a terminal is connected to the financial institution via a wireless or cellular telephone hook-up. Smart cards are utilized to verify authorization for transactions, thereby minimizing potential security problems which could otherwise result from use of a mobile terminal. Alternately, a smart card is advantageously utilized not only for authorization, but also to maintain a secure record of available funds. The system not only provides the functionality of an ATM network, but also provides non-financial services, thereby forming an integrated system.Type: GrantFiled: November 13, 1995Date of Patent: August 18, 1998Assignee: Transaction Technology, Inc.Inventor: Joseph C. Kawan
-
Patent number: 5572572Abstract: A telephone configures as a programmable microcomputer (telephone-computer) which operates in most circumstances through a standard telephone 12-key keypad input. The telephone-computer has the overall appearance of a telephone and includes telephone electronics and a microprocessor unit operated in conjunction with other computer elements, including memory devices, a programmable gate array (PGA) chip which can be initially programmed and then fixed, and enhanced integrity features. The PGA has the capability of being configured to accommodate various types of software which require different hardware Configuration, but without actually reconfiguring the hardware. The telephone-computer delivers data processing capabilities and services through an ordinary telephone instrument via conventional telephone lines with a network host computer which communicates with a vast panoply of service bureaus.Type: GrantFiled: March 16, 1994Date of Patent: November 5, 1996Assignee: Transaction Technology, Inc.Inventors: Joseph C. Kawan, Melvin M. Takata, Alfred S. Samulon, Dilip J. Parekh, Harvey Marks, Douglas W. Caruthers, Carol A. Medine, Truc Nguyen, Lucilla Warren, Leslie Moss, Sarkis A. Merguidijian, Morris L. Tucci, Shan Lee, Jim Vollmer, Leo Ahlin, Lawrence D. Weiss, Leslie Roth, Kenneth Krieger, Marjorie Engber, Edward Chin, Robert Haddock
-
Patent number: 5321840Abstract: An improved user terminal specifically designed for use in the home for accessing a wide variety of service computers is disclosed. The terminal comprises a single board computer including a microprocessor remotely reconfigurable programmable gate array logic, several types of solid-state memory, and various input-output units. The programmable gate array forms the logical connection between the microprocessor, the memory, and the input-output elements, and allows the computer to functionally mimic an IBM Personal Computer, thus allowing it to run a wide variety of software. The programmable gate array can be remotely reconfigured, and a so-called FLASH-EPROM memory is used to store reconfiguration code. This allows the hardware to be reconfigured remotely in order to add additionally function, or to cure a particular problem such as to prevent a "virus" or the like from attacking the system.Type: GrantFiled: August 12, 1993Date of Patent: June 14, 1994Assignee: Transaction Technology, Inc.Inventors: Leo Ahlin, Joseph C. Kawan
-
Patent number: 5195130Abstract: The present invention relates to a telephone configured as a programmable microcomputer (telephone-computer) which operates in most circumstances through a standard telephone 12-key keypad input. The telephone-computer includes telephone electronics and a microprocessor unit operated in conjunction with other computer elements, including memory devices, and a programmable gate array (PGA) chip and enhanced integrity features, and has the overall appearance of a telephone. The PGA has the capability of being reconfigured to accommodate various types of softwares which require different hardware configuration, but without actually reconfiguring the hardware. The telephone-computer delivers data processing capabilities and services through an ordinary telephone instrument via conventional telephone lines with a network host computer which communicates with a vast panoply of service bureaus.Type: GrantFiled: October 5, 1990Date of Patent: March 16, 1993Assignee: Transaction Technology, Inc.Inventors: Lawrence D. Weiss, Joseph C. Kawan, Leslie Roth, Jim R. Vollmer, Morris L. Tucci, Melvin M. Takata, Alfred S. Samulon, Dilip J. Parekh, Sarkis A. Meguerdijian, Harvey Marks, Shan Lee, Douglas W. Caruthers, Leo Ahlin, Leslie Moss, Kenneth Krieger, Carol A. Medine, Truc Nguyen, Marjorie Engber, Edward Chin, Lucilla K. Warren, Joseph P. Randolph, Robert Haddock
-
Patent number: 5008927Abstract: The present invention relates to a programmable microcomputer or microprocessor device with associated memory and telephone circuitry designed to be operated in most circumstances through a standard telephone 12-key keypad input. The microcomputer device of the present invention, which includes the primary microprocessor operated in conjunction with other computer elements, including memory, has the overall appearance of a telephone. The primary microprocessor of the invention consists of a central processing unit and associated memory and includes enhanced integrity features. The device delivers data processing capabilities and services through an ordinary telephone instrument.Type: GrantFiled: October 21, 1988Date of Patent: April 16, 1991Assignee: Transaction Technology, Inc.Inventors: Lawrence D. Weiss, Douglas W. Caruthers, Charles T. Inatomi, Joseph C. Kawan, Shan Lee, Harvey Marks, Sarkis A. Meguerdijan, Dilip J. Parekh, Alfred S. Samulon, Melvin M. Takata, Morris L. Tucci, Jim R. Vollmer
-
Patent number: 4991199Abstract: The present invention relates to a programmable microcomputer or microprocessor device with associated memory designed to be operated in most circumstances through a standard telephone 12-key keypad input as augmented by four programmable function keys. The microcomputer device of the present invention, which includes the primary microprocessor operated in conjunction with other computer elements, including memory, has the overall appearance of a telephone. The primary microprocessor of the invention consists of a central processing unit and associated memory and includes enhanced integrity features.Type: GrantFiled: May 5, 1988Date of Patent: February 5, 1991Assignee: Transaction Technology, Inc.Inventors: Dilip J. Parekh, Alfred S. Samulon, Melvin M. Takata, Morris L. Tucci, Jim R. Vollmer, Lawrence D. Weiss, Douglas W. Caruthers, Charles T. Inatomi, Joseph C. Kawan, Shan Lee, Harvey Marks, Sarkis A. Meguerdijian
-
Patent number: 4095795Abstract: An amusement or game device of the type wherein a plurality of symbol displaying devices are provided each comprising a respective series of symbols or indicia which are brought into display position repetitively in serial order following commencement of an operating or playing period. The finally displayed set of symbols representing a scope or lack thereof depends upon the composition of the set of symbols displayed at the termination of the operating period. The composition of that set is dependent upon computer operations consummated or effected at the commencement of the operating period, utilizing randomly generated number codes each representative of a particular symbol of the associated series of symbols. Scoring equipment is provided under the control of a computer to determine a play score in accordance with scoring schedule information stored in the computer memory.Type: GrantFiled: June 9, 1975Date of Patent: June 20, 1978Inventors: James C. Saxton, Bruce H. Osterberg, Joseph C. Kawan
-
Patent number: D337570Type: GrantFiled: May 24, 1990Date of Patent: July 20, 1993Assignee: Transaction Technology, Inc.Inventors: Ernest Bevilacqua, Robert Haddock, Joseph C. Kawan, Anne Lang, Joseph Moya, Arthur Nichols, Carl Thompson