Roy A Anderson

US Patent:

6609654, Aug 26, 2003

Filed:

Sep 21, 2000

Appl. No.:

09/667161

Inventors:

Roy L. Anderson - Glendale CA
Jacob Y. Wong - Goleta CA

Assignee:

PrivaSys, Inc. - San Francisco CA

International Classification:

G06F 1760

US Classification:

235379, 235380, 705 39

Abstract:

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 differs for each transaction through use of an algorithm. Multiple payment card transactions can be handled differently depending upon which user key is chosen as the selected user key. Different user keys can be used for different accounts, different types of transactions, or to classify the transactions. A user can receive one bill, or multiple bills. Different levels of privacy can be accorded to transactions that use different user keys. A user may pay the issuer for increased security, or the user may be paid by the issuer to allow transaction data to be distributed to third parties.

US Patent:

7693798, Apr 6, 2010

Filed:

Oct 18, 2004

Appl. No.:

10/968402

Inventors:

Roy L. Anderson - Glendale CA, US
Joan M. Ziegler - Tiberon CA, US
Jacob Y. Wong - Goleta CA, US

International Classification:

G06Q 40/00

US Classification:

705 67, 705 26, 705 39, 705 74, 235380

Abstract:

A method for implementing an anonymous payment card transaction, in either a face-to-face transaction or a MOTO transaction, in which the user is allowed to select an option for anonymous delivery of goods. The option is conveyed to a money source by means of a customization parameter. The customization parameter is used to customize generation of a user one-time payment card number, to customize a user identifier or as a customization variable that is included in a user transaction data packet which includes the user one-time payment card number and the user identifier. A delivery agent can be used to deliver the purchased goods to a delivery location that is not known by the merchant by use of a tracking identifier provided by the money source to the merchant and the delivery agent. After the purchased goods are delivered by the merchant to the delivery agent, they can be delivered to a destination location and held for pick-up, they can be delivered to a second delivery agent, or they can be delivered to a delivery address provided to the delivery agent. A person receiving the goods can prove entitlement to such goods by presentation of a delivery code or a dummy one-time payment card number that can also serve as proof of receipt and by used to trigger a charge for the goods once they have been received.

US Patent:

8191772, Jun 5, 2012

Filed:

Oct 18, 2004

Appl. No.:

10/968399

Inventors:

Roy Lee Anderson - Glendale CA, US
Jacob Y. Wong - Goleta CA, US

Assignee:

Privasys, Inc. - Tiburon CA

International Classification:

G06K 5/00
G06F 17/00

US Classification:

235380, 235375

Abstract:

Multiple secure transactions are provided through use of a method that uses customer one-time unique purchase order numbers (“Coupons”) generated by an algorithm that uses a permutated user key and a user insertion key as input variables. A user key (such as a Personal Identification Number, or “PIN”) is combined with a permutation variable that is correlated with a customer sequence number to create the permutated user key. A random number generator is used to generate the user insertion key correlated with the customer sequence number. The algorithm can insert the permutated user key into a user account number through use of the user insertion key. A Coupon is validated by confirming that it is contained in a set of money source Coupons generated by a money source using the user key and a random number generator that is synchronized with the random number used to generate Coupons. Once a Coupon is validated, the matching money source Coupon and all earlier generated money source Coupons are deleted from the set, and a new set is generated. If a preselected number of Coupons are not validated for a chosen entity, an invalid user account number will be set.

US Patent:

20050086177, Apr 21, 2005

Filed:

Oct 18, 2004

Appl. No.:

10/968401

Inventors:

Roy Anderson - Glendale CA, US
William Bryant - Manasas VA, US
Jacob Wong - Goleta CA, US

International Classification:

H04L009/00

US Classification:

705064000

Abstract:

A user can customize use of a payment card, which can be an electronic card, by selecting a customization variable for any given transaction. The customization variable involves at least one of the following steps: (1) customizing generation of a one-time card number; (2) customizing a user identifier; or (3) inclusion of a customization variable with information transmitted to a verification agency for validation of the given use. Multiple payment card transactions can be processed differently depending upon which customization variable is chosen for a given transaction. Different customization variables can be used for different accounts, different types of transactions, or to classify the transactions. A user can receive one bill, or multiple bills. Different levels of privacy can be accorded to transactions that use different customization variables. A user may pay the issuer for increased security, or the user may be paid by the issuer to allow transaction data to be distributed to third parties.

US Patent:

20140231527, Aug 21, 2014

Filed:

Feb 24, 2014

Appl. No.:

14/188491

Inventors:

Roy L. Anderson - Glendale CA, US
Jacob Y. Wong - Goleta CA, US
Larry Routhenstein - Orlando FL, US

Assignee:

PrivaSys, Inc. - Tiburon CA

International Classification:

G06K 19/06

US Classification:

235492

Abstract:

An electronic card has a power source, a user selection mechanism operable to allow a user to select a customization variable for a single transaction, a processor for generating a transaction specific data packet that includes a card number and a customized number and an electronic communication device operable to cause the data packet to be read by a read head of a magnetic strip reader. The electronic communication device is operable to dynamically convey the transaction specific data packet to a read head of a magnetic card reader so that the transaction specific data packet is read by the read head. The transaction specific data packet is dynamically generated for use by the card for the single transaction of the card and the customized number is determined based upon the customization variable selected by the user selection mechanism.