Robert B Hodgson

US Patent:

6834271, Dec 21, 2004

Filed:

Nov 29, 1999

Appl. No.:

09/450996

Inventors:

Robert B. Hodgson - Dunwoody GA
Harry Hargens - Hamton GA

Assignee:

Kryptosima - Hampton GA

International Classification:

G06F 1760

US Classification:

705 72, 705 64, 705 70, 705 71, 705 75

Abstract:

The present invention is directed to a combination software and/or hardware system that provides consumers and merchants with a secure method for making and accepting credit card and ATM card payments over the Internet. Using various software and/or hardware implementations, the system operates by: 1) creating (at the consumers Internet access device) a Data Encryption Standard (DES) encrypted Personal Identification Number (PIN) Block meeting American National Standards Institute (ANSI) X9. 8 and Automatic Teller Machine (ATM) network requirements (as a result of the consumer entering their PIN number and encryption automatically taking place); 2) using additional layer(s) of encryption (also performed at the consumers Internet access device) to place the PIN block and card information in a public key/private key encrypted financial payment transaction data block (âFP Blockâ); 3) transmitting the FP Block to the merchant, along with any necessary product or service order information, which may be transmitted over the Internet encrypted or in the clear according to the implementation method chosen by the system software at the merchants web site; 4) software at the merchant location then forwards the FP Block to a secure transaction management system, where the FP Block is decrypted using a decryption algorithm matching that used by the software at the consumers Internet access device. The financial data is then re-formatted for transmission to the appropriate transaction processing network, and forwarded to the payment service processor accordingly. The present invention is independent of the encryption algorithm(s) used, and may be implemented with any number of encryption algorithms.

US Patent:

20020123972, Sep 5, 2002

Filed:

Feb 2, 2001

Appl. No.:

09/773609

Inventors:

Robert Hodgson - Dunwoody GA, US
Harry Hargens - Hampton GA, US

International Classification:

G06F017/60

US Classification:

705/072000, 705/043000, 713/153000

Abstract:

The present invention is directed to a combination software and/or hardware system that provides consumers with a secure method for making and accepting credit card and ATM card payments over the Internet. A Data Encryption Standard (DES) encrypted Personal Identification Number (PIN) Block is created at the consumer's Internet access device meeting of American National Standards Institute (ANSI) X9.8 and Automatic Teller Machine (ATM) network requirements. The PIN block and card information are in a public key/private key encrypted financial payment transaction data block using additional layer(s) of encryption also performed at the consumer's Internet access device. The FP block is transmitted to an STMS for the generation of a financial transaction request that is sent to the payment processor according to the implementation method chosen by the system software at the payment processor. The FP block is decrypted at the STMS using a decryption algorithm matching that used by the software at the consumer's Internet access device. The encrypted PIN block within this data will be translated by the HSM dependent upon the processor that the transaction is to be routed to. The data is then re-formatted for transmission to the appropriate transaction processing network, and subsequently forwarded to the appropriate payment service processor accordingly. The present invention is independent of the encryption algorithm(s) used, and may be implemented with any number of encryption algorithms.