Annmarie M Hart

US Patent:

7703676, Apr 27, 2010

Filed:

Dec 3, 2007

Appl. No.:

11/949722

Inventors:

Annmarie D. Hart - Carson CA, US
Terrence R. Benson - Redondo Beach CA, US
Lawrence R. Meyers - Rancho Palos Verdes CA, US

Assignee:

MagTek, Inc. - Seal Beach CA

International Classification:

G06K 7/08

US Classification:

235449, 235380, 235493, 705 64

Abstract:

Systems and methods for encrypting the output of a card reader in a card authentication system are provided. In one embodiment, the invention relates to a method for reading a data card having an intrinsic magnetic characteristic and recorded data on the data card using a read head including a magnetic sensor having a housing, an analog to digital converter located within the housing and a processor located within the housing, the method including generating an analog signal indicative of the intrinsic magnetic characteristic and the recorded data of the data card, converting the analog signal into a digital signal, generating a magnetic fingerprint based on the intrinsic magnetic characteristic from the digital signal, extracting the recorded data from the digital signal, encrypting at least a portion of the recorded data, storing the magnetic fingerprint and the recorded data, and outputting the encrypted at least the portion of the recorded data.

US Patent:

8251286, Aug 28, 2012

Filed:

Nov 24, 2010

Appl. No.:

12/954278

Inventors:

Annmarie D. Hart - Seal Beach CA, US
Lawrence R. Meyers - Rancho Palos Verdes CA, US
Phillip A. McCauley - Carson CA, US

Assignee:

MagTek, Inc. - Seal Beach CA

International Classification:

G06K 5/00
G06K 7/01

US Classification:

235380, 235375, 235379, 2353825, 235383, 235451, 235492

Abstract:

The invention relates to a system for secure multi-factor authentication using dynamic data, the system including a card reader, and a computer having a display, wherein the card reader is configured to read card information from a data card, provide a scramble code to the computer, receive user input data indicative of user input responsive to a graphical numeric display based on the scramble code, generate PIN data based on the user input data, generate a PIN block including the PIN data and the card information, and transmit the PIN block for authentication.

US Patent:

8447991, May 21, 2013

Filed:

Nov 6, 2007

Appl. No.:

11/935980

Inventors:

Annmarie D. Hart - Carson CA, US
Lawrence R. Meyers - Rancho Palos Verdes CA, US
Carlos Hernandez - Carson CA, US
Edward J. Richter - Richmond Heights MO, US
Ronald S. Indeck - St. Louis MO, US

Assignee:

Magtek, Inc. - Carson CA
Washington Univ. - St. Louis MO

International Classification:

G06F 21/00

US Classification:

713185, 726 35

Abstract:

A card authentication system. In one embodiment, the invention relates to a method for authenticating a data card having an intrinsic magnetic characteristic and recorded data on the data card, the method including reading information from the data card, the data card information including the intrinsic magnetic characteristic and the recorded data on the data card, encrypting the data card information, sending the encrypted data card information, receiving the encrypted data card information, decrypting a portion of the encrypted data card information, the portion including the intrinsic magnetic characteristic, generating a score indicative of a degree of correlation between the intrinsic magnetic characteristic of the data card information and a stored value, and determining an authenticity of the data card based at least in part on the score.

US Patent:

8533123, Sep 10, 2013

Filed:

Dec 13, 2011

Appl. No.:

13/324982

Inventors:

Annmarie D. Hart - Seal Beach CA, US

Assignee:

Magtek, Inc. - Seal Beach CA

International Classification:

G06Q 20/00
G06Q 20/38

US Classification:

705 76, 705 64

Abstract:

Systems and methods for conducting contactless payments using a mobile device and a magstripe payment card are provided. One such method includes receiving, at the mobile device and prior to a requested financial transaction, a dynamic authentication token from a server, the dynamic authentication token indicative of a predetermined authentication of a magstripe payment card based on data obtained during a swipe of the magstripe payment card; wirelessly transmitting, in response to a request to facilitate a financial transaction, the dynamic authentication token from the mobile device to a contactless payment terminal; and sending the dynamic authentication token and information related to the requested financial transaction to the server for authorization of the requested financial transaction.

US Patent:

20080179401, Jul 31, 2008

Filed:

Jan 25, 2008

Appl. No.:

12/011301

Inventors:

Annmarie D. Hart - Carson CA, US
Terrence R. Benson - Redondo Beach CA, US
Lawrence R. Meyers - Rancho Palos Verdes CA, US

International Classification:

G06K 7/08

US Classification:

235449

Abstract:

A card reader for use in web based transactions is provided. In one embodiment, the invention relates to a method for establishing a secure connection between a card reader and a server, the method including receiving a first challenge request, generating a response to the first challenge request using a first encryption key, sending the response to the first challenge request, sending a second challenge request, receiving an encrypted response to the second challenge request, verifying the encrypted response to the second challenge request; and, if the encrypted response is verified, reading data card information from a data card, the data card information including an intrinsic magnetic characteristic and recorded data on the data card, generating a magnetic fingerprint based on the intrinsic magnetic characteristic, and sending the magnetic fingerprint to authenticate the data card.

US Patent:

20120063601, Mar 15, 2012

Filed:

Sep 13, 2011

Appl. No.:

13/231819

Inventors:

Annmarie D. Hart - Seal Beach CA, US

International Classification:

H04L 9/08

US Classification:

380279

Abstract:

Systems and methods for remotely loading encryption keys in card reader systems are provided. One such method includes storing, at a card reader, a device identification number for identifying the card reader, a first magnetic fingerprint of a data card, and a second magnetic fingerprint of the data card, wherein each of the first and second fingerprints includes an intrinsic magnetic characteristic of the data card, encrypting, using a first encryption key derived from the second fingerprint, information including the device identification number and first fingerprint, sending the encrypted information to an authentication server, receiving, from the authentication server, a score indicative of a degree of correlation between the first fingerprint and second fingerprint, and receiving, when the score is above a preselected threshold, a second encryption key from the authentication server, the second encryption key encrypted using a third encryption key derived from the first fingerprint.

US Patent:

20120095919, Apr 19, 2012

Filed:

Oct 14, 2011

Appl. No.:

13/274227

Inventors:

Annmarie D. Hart - Seal Beach CA, US
Ronald S. Indeck - St. Louis MO, US
Kiran Gandhi - Seal Beach CA, US
Phillip A. McCauley - Carson CA, US
Lawrence R. Meyers - Rancho Palos Verdes CA, US

International Classification:

H04L 9/32
H04L 9/00
G06Q 40/00
G06F 15/16

US Classification:

705 44, 726 3, 713169, 726 5, 726 9, 713168

Abstract:

Systems and methods for authenticating aspects of an online transaction using a secure peripheral device having a message display and/or user input are provided. One such method for establishing a secure communication channel between a computer peripheral device and a host includes responding to requests to authenticate the peripheral device, authenticating the host, receiving one or more messages from the host, displaying the one or more messages on a display of the peripheral device, receiving user input in response to the one or more messages, sending the user response to the host.

US Patent:

20120150673, Jun 14, 2012

Filed:

Dec 13, 2011

Appl. No.:

13/324970

Inventors:

Annmarie D. Hart - Seal Beach CA, US

International Classification:

G06Q 20/40
G06Q 20/20
G06K 5/00

US Classification:

705 17, 235380, 705 44, 705 67

Abstract:

Systems and methods for conducting financial transactions using non-standard magstripe payment cards are provided. One such system includes a magnetic stripe card storing information including a serial number on a magnetic medium of the magnetic stripe card, where the stored information does not include a Primary Account Number, a card reader configured to extract information from the magnetic medium, the extracted information including the stored serial number and a magnetic fingerprint including an intrinsic magnetic characteristic of the magnetic medium, and a computer coupled to the card reader and to a server, where the computer and the server are configured to execute a requested financial transaction using the extracted information.