1
Jacob Y Wong, Roy L Anderson: System for secured credit card transactions on the internet. Jaesent, Lyon & Lyon, September 21, 1999: US05956699 (435 worldwide citation)

A method for providing secure credit card transactions over the Internet generates a personal charge number from a user account number by inserting a user key into the user account number in accordance with an algorithm that uses a user insertion key and a permutation variable. After the personal ch ...


2
Jacob Y Wong, Roy L Anderson: Anonymous electronic card for generating personal coupons useful in commercial and security transactions. Roy L Anderson, July 15, 2003: US06592044 (360 worldwide citation)

An electronic card that can function as an anonymous credit card or banking card for use on or off the Internet utilizes a magnetic storage medium affixed to the card that can be read by a standard magnetic stripe reader. An encoder generates a data packet that is stored in a designated portion of t ...


3
Roy L Anderson, William R Bryant Jr, Jacob Y Wong: Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions. PrivaSys, Patent Trademark Office, August 26, 2003: US06609654 (291 worldwide citation)

A user can customize use of a payment card, which can be an electronic card, by selecting either a first or a second user key as a selected user key. The selected user key is entered into a card number generator that uses it and a user sequence number to generate a user payment card number that diff ...


4
Jacob Y Wong, Roy L Anderson: System and method for pseudo cash transactions. Jaesent, Lyon & Lyon, June 15, 1999: US05913203 (284 worldwide citation)

Totally anonymous or effectively anonymous cash-like transactions are accomplished by using a pseudo cash data package converter for inserting a user key into a pseudo cash preliminary data packet through the use of a user insertion key to generate a pseudo cash unit with a fixed monetary value that ...


5
Larry Routhenstein, Roy L Anderson, William R Bryant, Jacob Y Wong: Method for generating customer secure card numbers subject to use restrictions by an electronic card. October 19, 2004: US06805288 (274 worldwide citation)

A method for providing secure transactions generates a Secure Card Number (“SCN”) for a first entity that is transferred with a first entity identifier to a second entity and then to a money source that verifies that the transaction is valid by use of the first entity identifier and the SCN. The SCN ...


6
Jacob Y Wong: Magnetic stripe bridge. James F Cottone, August 19, 2003: US06607127 (270 worldwide citation)

A novel “bridge” device and accompanying methodology which link the world of the smart cards to that of the magnetic finance cards is described. This “bridge” device is called the “Magnetic Stripe Bridge” or MSB. The main function of the MSB is to interface an ordinary or “naked” smart card with jus ...


7
Jacob Y Wong, Roy L Anderson: System and method for pseudo cash transactions with credit back. Jaesent, Lyon & Lyon, August 10, 1999: US05937394 (262 worldwide citation)

A system and method for pseudo cash transactions allows a portion of the pseudo cash to be refunded through use of a credit back indicator which is used by a record adjuster to adjust the file associated with a pseudo cash unit which can then be accessed by the user with a user identifier to obtain ...


8
Jacob Y Wong: Method for authenticating an individual by use of fingerprint data. November 14, 2006: US07136514 (241 worldwide citation)

A method for authenticating an individual by use of fingerprint data that involves two different broad steps. The first step is to obtain a biometrics fingerprint signature template (“BFST”) for an individual in an enrollment process by selecting a plurality of bands for the BFST and obtaining a plu ...


9
Jacob Y Wong: Advanced magnetic stripe bridge (AMSB). November 2, 2004: US06811082 (234 worldwide citation)

A novel bridge device and accompanying methodology which link the world of the smart cards to that of the magnetic finance cards is described. This bridge device is called the Magnetic Stripe Bridge (MSB), whose primary function is to interface an ordinary or naked smart card, with just a smart chip ...


10
Jacob Y Wong, Roy L Anderson: Method for storing data in payment card transaction. June 29, 2004: US06755341 (206 worldwide citation)

A data packet can be dynamically stored in a magnetic strip by an encoder of an electronic card and subsequently transferred to a money source after it is read by a standard magnetic stripe reader as part of a verification process of a payment card transaction. A computer contained on the electronic ...



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