Targeted Patent: Patent: US9679286B2 Filed: 2005-09-20 Issued: 2017-06-13 Patent Holder: (Original Assignee) OHVA Inc     (Current Assignee) OHVA Inc Inventor(s): Vincent Cedric Colnot, Ty Fellers Title: Methods and apparatus for enabling secure network-based transactions	Cross Reference / Shared Meaning between the Lines	Charted Against: Patent: US6941271B1 Filed: 2000-02-15 Issued: 2005-09-06 Patent Holder: (Original Assignee) James W. Soong      Inventor(s): James W. Soong Title: Method for accessing component fields of a patient record by applying access rules determined by the patient
[TRANSITIVE ID: 1] comprising	including, involving, for, featuring, by, compromising, includes	[TRANSITIVE ID: 1] comprising
[FEATURE ID: 2] card reader, smart telephone	processor, device, system, terminal, controller, server, transducer	[FEATURE ID: 2] communications network, health care organization, computer
[TRANSITIVE ID: 3] having	incorporating, containing, defining, providing	[TRANSITIVE ID: 3] storing
[TRANSITIVE ID: 4] configured	structured, accessible, provided, arranged, located, disposed	[TRANSITIVE ID: 4] maintained
[FEATURE ID: 5] transaction data, instructions, stored	data, information, access, provided, files, records, carried	[FEATURE ID: 5] electronic records, access rules
[FEATURE ID: 6] part	function, body, piece, portion	[FEATURE ID: 6] particular type
[TRANSITIVE ID: 7] providing	transmitting, transferring, carrying, supplying, conveying, communicating, delivering	[TRANSITIVE ID: 7] managing
[TRANSITIVE ID: 8] accepted, connected	linked, provided, accessible, associated, derived, based, acquired	[TRANSITIVE ID: 8] related
[FEATURE ID: 9] non-transitory medium, user, processor, method	server, memory, system, network, host, program, component	[FEATURE ID: 9] method, database
[FEATURE ID: 10] first Internet	customer, provider, user, client, person, doctor, subject	[FEATURE ID: 10] first health care provider, patent
[FEATURE ID: 11] server, merchant	party, provider, entity, consumer, customer, user, client	[FEATURE ID: 11] person
[FEATURE ID: 12] accessible	written, configured, generated, input, alterable, programmed, provided	[FEATURE ID: 12] determined
[FEATURE ID: 13] second Internet	third, user, provider, second	[FEATURE ID: 13] second health care provider
[FEATURE ID: 14] financial institution	person, user, client, customer	[FEATURE ID: 14] patient
[FEATURE ID: 15] services	information, data, entry, records, identification, identity, assistance	[FEATURE ID: 15] access, second access parameter
1 . An apparatus comprising [TRANSITIVE ID: 1] : a card reader [FEATURE ID: 2] having [TRANSITIVE ID: 3] an input interface configured [TRANSITIVE ID: 4] to accept transaction data [FEATURE ID: 5] from an output interface of a transaction card , and an output pin , as a part [FEATURE ID: 6] of the card reader , configured to directly connect the card reader to a microphone port of a smart telephone [FEATURE ID: 2] , the card reader providing [TRANSITIVE ID: 7] the transaction data accepted [TRANSITIVE ID: 8] from the output interface of the transaction card to the output pin , and hence to the microphone port , as an analog variable voltage audio signal ; and coded instructions [FEATURE ID: 5] stored [TRANSITIVE ID: 5] in a non-transitory medium [FEATURE ID: 9] of a first Internet [FEATURE ID: 10] - connected [TRANSITIVE ID: 8] server [FEATURE ID: 11] , and accessible [FEATURE ID: 12] by a user [FEATURE ID: 9] of the card reader ; wherein the coded instructions , when executed on a processor [FEATURE ID: 9] in the smart telephone , convert the analog variable voltage audio signal received at the microphone port to the transaction data as digital data , establish direct data exchange between the smart telephone and a second Internet [FEATURE ID: 13] - connected server and facilitate transactions by a financial institution [FEATURE ID: 14] , or purchases from an online - merchant [FEATURE ID: 11] , using the transaction data . 2 . The apparatus of claim 1 wherein the coded instructions , when executed on a processor in the smart telephone , retrieve a card verification code ( CVV ) , and use the CVV in purchases or transactions . 3 . A method [FEATURE ID: 9] comprising : accepting transaction data from a transaction card at an input interface of a card reader having an output pin as a part of the card reader , the output pin directly connecting the card reader in a microphone port of a smart telephone ; receiving the transaction data in the smart telephone as an analog variable voltage audio signal from the microphone port of the smart telephone ; converting the analog variable voltage audio signal received at the microphone port to the transaction data as digital data ; establishing direct data exchange with an Internet - connected server providing services [FEATURE ID: 15]		1 . A method [FEATURE ID: 9] for managing [TRANSITIVE ID: 7] health care - related [TRANSITIVE ID: 8] information about a patient [FEATURE ID: 14] as electronic records [FEATURE ID: 5] over a communications network [FEATURE ID: 2] comprising [TRANSITIVE ID: 1] : electronically handling the records as a plurality of component fields maintained [TRANSITIVE ID: 4] in a database [FEATURE ID: 9] of a health care organization [FEATURE ID: 2] , each component field associated with a particular type [FEATURE ID: 6] of data associated with the patient ; storing [TRANSITIVE ID: 3] access rules [FEATURE ID: 5] determined [TRANSITIVE ID: 12] by the patient in a computer [FEATURE ID: 2] , the access rules based at least in part on a role of a person [FEATURE ID: 11] desiring access [FEATURE ID: 15] , to selectively govern access to the component fields by both health care providers and non health care providers ; applying the access rules before the component fields are accessed ; providing to a first group of individuals access based on the access rules to a first predetermined group of the component fields of the records when a first access parameter is present , the first access parameter relating to desired access by the first group of individuals , the first group of individuals including a first health care provider [FEATURE ID: 10] having a first role , the first predetermined group of the component fields relating to a first medical condition of the patent [FEATURE ID: 10] ; providing to a second group of individuals access based on the access rules to a second predetermined group of the component fields of the records when a second access parameter different from the first access parameter is present , the second predetermined group of the component fields not identical to the first predetermined group of the component fields , the second access parameter [FEATURE ID: 15] relating to desired access by the second group of individuals not identical to the first group of individuals , the second group of individuals including a second health care provider [FEATURE ID: 13]

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Targeted Patent: Patent: US9679286B2 Filed: 2005-09-20 Issued: 2017-06-13 Patent Holder: (Original Assignee) OHVA Inc     (Current Assignee) OHVA Inc Inventor(s): Vincent Cedric Colnot, Ty Fellers Title: Methods and apparatus for enabling secure network-based transactions	Cross Reference / Shared Meaning between the Lines	Charted Against: Patent: US20050187873A1 Filed: 2002-08-08 Issued: 2005-08-25 Patent Holder: (Original Assignee) Fujitsu Ltd     (Current Assignee) PCMS Holdings Inc Inventor(s): Yannis Labrou, Lusheng Ji, Jonathan Agre, Jesus Terriza, Wei-Lun Chen Title: Wireless wallet
[TRANSITIVE ID: 1] comprising, having	including, comprises, of, containing, includes, with, incorporating	[TRANSITIVE ID: 1] comprising
[FEATURE ID: 2] card reader, smart telephone, first Internet, line merchant	computer, device, network, processor, server, system, terminal	[FEATURE ID: 2] mobile payment software, mobile phone, user, activation link
[TRANSITIVE ID: 3] accept	process, allow, access, obtain, provide, request	[TRANSITIVE ID: 3] generate
[FEATURE ID: 4] transaction data	transaction, payment, data, output, signal, content, credit	[FEATURE ID: 4] secure authenticable mobile phone cashless monetary transaction
[FEATURE ID: 5] output interface	interface, application, embodiment, engine, instance, emulator, applet	[FEATURE ID: 5] application platform, executable mobile payment software
[FEATURE ID: 6] transaction card	transaction, token, user, payment	[FEATURE ID: 6] personal identification entry
[FEATURE ID: 7] part	result, member, function, pin	[FEATURE ID: 7] mobile phone wireless wallet
[TRANSITIVE ID: 8] providing	transmitting, delivering, sending, transferring, communicating, introducing, connecting	[TRANSITIVE ID: 8] inputting, downloading
[FEATURE ID: 9] non-transitory medium, user, processor, Internet	server, network, platform, website, host, computer, system	[FEATURE ID: 9] secure transaction server, mobile phone network, computing device
[FEATURE ID: 10] server, financial institution, merchant, card verification code	provider, user, vendor, transaction, processor, cardholder, party	[FEATURE ID: 10] software authentication parameter
[FEATURE ID: 11] second Internet	telephone, user, network, phone	[FEATURE ID: 11] phone number
[FEATURE ID: 12] claim	clair, of claim, figure, item, embodiment, paragraph, clause	[FEATURE ID: 12] claim
[FEATURE ID: 13] method	procedure, technique, system, process, method of, methods, methodology	[FEATURE ID: 13] method, protocol
[FEATURE ID: 14] services	access, authorization, interface, authentication, identity, entry	[FEATURE ID: 14] STS correlation
1 . An apparatus comprising [TRANSITIVE ID: 1] : a card reader [FEATURE ID: 2] having [TRANSITIVE ID: 1] an input interface configured to accept [TRANSITIVE ID: 3] transaction data [FEATURE ID: 4] from an output interface [FEATURE ID: 5] of a transaction card [FEATURE ID: 6] , and an output pin , as a part [FEATURE ID: 7] of the card reader , configured to directly connect the card reader to a microphone port of a smart telephone [FEATURE ID: 2] , the card reader providing [TRANSITIVE ID: 8] the transaction data accepted from the output interface of the transaction card to the output pin , and hence to the microphone port , as an analog variable voltage audio signal ; and coded instructions stored in a non-transitory medium [FEATURE ID: 9] of a first Internet [FEATURE ID: 2] - connected server [FEATURE ID: 10] , and accessible by a user [FEATURE ID: 9] of the card reader ; wherein the coded instructions , when executed on a processor [FEATURE ID: 9] in the smart telephone , convert the analog variable voltage audio signal received at the microphone port to the transaction data as digital data , establish direct data exchange between the smart telephone and a second Internet [FEATURE ID: 11] - connected server and facilitate transactions by a financial institution [FEATURE ID: 10] , or purchases from an online - merchant [FEATURE ID: 10] , using the transaction data . 2 . The apparatus of claim [FEATURE ID: 12] 1 wherein the coded instructions , when executed on a processor in the smart telephone , retrieve a card verification code [FEATURE ID: 10] ( CVV ) , and use the CVV in purchases or transactions . 3 . A method [FEATURE ID: 13] comprising : accepting transaction data from a transaction card at an input interface of a card reader having an output pin as a part of the card reader , the output pin directly connecting the card reader in a microphone port of a smart telephone ; receiving the transaction data in the smart telephone as an analog variable voltage audio signal from the microphone port of the smart telephone ; converting the analog variable voltage audio signal received at the microphone port to the transaction data as digital data ; establishing direct data exchange with an Internet [FEATURE ID: 9] - connected server providing services [FEATURE ID: 14] to a financial institution or an on - line merchant [FEATURE ID: 2]		1 . A method [FEATURE ID: 13] , comprising [TRANSITIVE ID: 1] : initializing , at a secure transaction server [FEATURE ID: 9] ( STS ) , a mobile payment software [FEATURE ID: 2] with a software authentication parameter [FEATURE ID: 10] , as an authentic mobile payment software ; providing an STS correlation [FEATURE ID: 14] between a personal identification entry [FEATURE ID: 6] ( PIE ) and the authentic mobile payment software ; installing , in a mobile phone [FEATURE ID: 2] , the authentic mobile payment software ; and inputting [TRANSITIVE ID: 8] , by a user [FEATURE ID: 2] , the PIE to the installed authentic mobile payment software to generate [TRANSITIVE ID: 3] according to the PIE and the software authentication parameter a transformed secure authenticable mobile phone cashless monetary transaction [FEATURE ID: 4] over a mobile phone network [FEATURE ID: 9] , as a mobile phone wireless wallet [FEATURE ID: 7] of the user of the mobile phone . 2 . The method of claim [FEATURE ID: 12] 1 , further comprising implementing the authentic mobile payment software according to an application platform [FEATURE ID: 5] of the mobile phone . 3 . The method of claim 1 , further comprising implementing the authentic mobile payment software according to Java 2 Platform Micro Edition ( J2ME ) and / or Binary Runtime Environment for Wireless ( BREW ) . 4 . The method of claim 1 , further comprising : providing to the mobile phone a download link to the authentic mobile payment software ; and downloading [TRANSITIVE ID: 8] to the mobile phone the authentic mobile payment software via the download link , thereby performing the installing of the authentic mobile payment software . 5 . The method of claim 4 , wherein the authentic mobile payment software downloaded link is transmitted to the mobile phone using short / multimedia message service . 6 . The method of claim 1 , wherein the mobile phone authenticable cashless monetary transaction is performed according to Universal Pervasive Transaction Framework Secure Agreement Submission ( UPTF SAS ) protocol [FEATURE ID: 13] . 7 . The method of claim 1 , wherein the authenticable mobile phone cashless monetary transaction is performed according to Universal Pervasive Transaction Framework Secure Agreement Submission ( UPTF SAS ) protocol , wherein the initializing of the authentic mobile payment software comprises : providing to the user a mobile phone cashless monetary transaction activation link at a computing device [FEATURE ID: 9] ; registering a phone number [FEATURE ID: 11] of the mobile phone of the user via the activation link [FEATURE ID: 2] ; transmitting the registered phone number of the mobile phone to the STS ; generating , by the STS , an executable mobile payment software [FEATURE ID: 5]

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Targeted Patent: Patent: US9679286B2 Filed: 2005-09-20 Issued: 2017-06-13 Patent Holder: (Original Assignee) OHVA Inc     (Current Assignee) OHVA Inc Inventor(s): Vincent Cedric Colnot, Ty Fellers Title: Methods and apparatus for enabling secure network-based transactions	Cross Reference / Shared Meaning between the Lines	Charted Against: Patent: US20050187843A1 Filed: 1994-11-28 Issued: 2005-08-25 Patent Holder: (Original Assignee) Lapsley Philip D.; Lee Jonathan A.; Pare David F.Jr.; Ned Hoffman     (Current Assignee) Open Invention Network LLC Inventor(s): Philip Lapsley, Jonathan Lee, David Pare, Ned Hoffman Title: Tokenless biometric electronic financial transactions via a third party identicator
[FEATURE ID: 1] apparatus, output interface, server	system, invention, instrument, method, approval device, interface, embodiment	[FEATURE ID: 1] electronic payment authorization device, device, authorization device
[TRANSITIVE ID: 2] comprising, having	including, containing, providing, includes, incorporating, comprises, with	[TRANSITIVE ID: 2] comprising, having
[FEATURE ID: 3] card reader, microphone port, non-transitory medium, user, processor, second Internet, merchant, Internet, line merchant	server, computer, network, device, memory, component, host	[FEATURE ID: 3] payor financial account, computer data processing center, biometric sensor, data processing center, comparator engine, paper check
[FEATURE ID: 4] transaction data, output pin	data, payment, transaction, request, signature, communication, bet	[FEATURE ID: 4] registration biometric sample, biometric sample, communication lines, registration, bid biometric sample, registration payor biometric samples
[FEATURE ID: 5] transaction card	transaction, payment, token, user, person, debit, bank	[FEATURE ID: 5] payee financial account, payor financial account identifier, payee identification data, credit
[FEATURE ID: 6] smart telephone	handset, smartphone, terminal, portable, device	[FEATURE ID: 6] party identification apparatus
[TRANSITIVE ID: 7] providing	transmitting, conveying, routing, sending, communicating, forwarding, distributing	[TRANSITIVE ID: 7] transferring, transmission
[TRANSITIVE ID: 8] accepted, accessible	input, entered, provided, received, read, generated, retrieved	[TRANSITIVE ID: 8] obtained
[FEATURE ID: 9] instructions	data, logic, communications, means	[FEATURE ID: 9] system
[FEATURE ID: 10] first Internet	customer, provider, public, client	[FEATURE ID: 10] payor
[FEATURE ID: 11] direct data exchange	communication, messaging, data, transmission	[FEATURE ID: 11] message
[FEATURE ID: 12] transactions	authorization, processing, transfers, authentication, settlement, verification	[FEATURE ID: 12] financial transaction
[FEATURE ID: 13] financial institution	user, party, payor, participant, payment, provider, financial	[FEATURE ID: 13] payee, payor ', person
[FEATURE ID: 14] claim	clair, figure, item, embodiment, paragraph, clause, preceding claim	[FEATURE ID: 14] claim
[FEATURE ID: 15] card verification code	password, check, signature, account, token, certificate, chip	[FEATURE ID: 15] financial account identifier, debit card, smartcard
[FEATURE ID: 16] services	information, data, funding, transactions	[FEATURE ID: 16] funds
1 . An apparatus [FEATURE ID: 1] comprising [TRANSITIVE ID: 2] : a card reader [FEATURE ID: 3] having [TRANSITIVE ID: 2] an input interface configured to accept transaction data [FEATURE ID: 4] from an output interface [FEATURE ID: 1] of a transaction card [FEATURE ID: 5] , and an output pin [FEATURE ID: 4] , as a part of the card reader , configured to directly connect the card reader to a microphone port [FEATURE ID: 3] of a smart telephone [FEATURE ID: 6] , the card reader providing [TRANSITIVE ID: 7] the transaction data accepted [TRANSITIVE ID: 8] from the output interface of the transaction card to the output pin , and hence to the microphone port , as an analog variable voltage audio signal ; and coded instructions [FEATURE ID: 9] stored in a non-transitory medium [FEATURE ID: 3] of a first Internet [FEATURE ID: 10] - connected server [FEATURE ID: 1] , and accessible [FEATURE ID: 8] by a user [FEATURE ID: 3] of the card reader ; wherein the coded instructions , when executed on a processor [FEATURE ID: 3] in the smart telephone , convert the analog variable voltage audio signal received at the microphone port to the transaction data as digital data , establish direct data exchange [FEATURE ID: 11] between the smart telephone and a second Internet [FEATURE ID: 3] - connected server and facilitate transactions [FEATURE ID: 12] by a financial institution [FEATURE ID: 13] , or purchases from an online - merchant [FEATURE ID: 3] , using the transaction data . 2 . The apparatus of claim [FEATURE ID: 14] 1 wherein the coded instructions , when executed on a processor in the smart telephone , retrieve a card verification code [FEATURE ID: 15] ( CVV ) , and use the CVV in purchases or transactions . 3 . A method comprising : accepting transaction data from a transaction card at an input interface of a card reader having an output pin as a part of the card reader , the output pin directly connecting the card reader in a microphone port of a smart telephone ; receiving the transaction data in the smart telephone as an analog variable voltage audio signal from the microphone port of the smart telephone ; converting the analog variable voltage audio signal received at the microphone port to the transaction data as digital data ; establishing direct data exchange with an Internet [FEATURE ID: 3] - connected server providing services [FEATURE ID: 16] to a financial institution or an on - line merchant [FEATURE ID: 3]		1 - 25 . ( canceled ) 26 . An electronic payment authorization device [FEATURE ID: 1] for transferring [TRANSITIVE ID: 7] funds [FEATURE ID: 16] from a payor financial account [FEATURE ID: 3] to a payee financial account [FEATURE ID: 5] , said device [FEATURE ID: 1] comprising [TRANSITIVE ID: 2] : a computer data processing center [FEATURE ID: 3] further comprising one or more data bases wherein the payor [FEATURE ID: 10] registers a registration biometric sample [FEATURE ID: 4] associated with at least one payor financial account identifier [FEATURE ID: 5] and the payee [FEATURE ID: 13] registers a payee identification data [FEATURE ID: 5] ; a party identification apparatus [FEATURE ID: 6] ( PIA ) having [TRANSITIVE ID: 2] a biometric sensor [FEATURE ID: 3] for input of a biometric sample [FEATURE ID: 4] ; communication lines [FEATURE ID: 4] for transmission [FEATURE ID: 7] of a registration [FEATURE ID: 4] and bid biometric sample [FEATURE ID: 4] obtained [TRANSITIVE ID: 8] by the party identification apparatus from the payor ' [FEATURE ID: 13] s person [FEATURE ID: 13] to the data processing center [FEATURE ID: 3] ; and a comparator engine [FEATURE ID: 3] for comparing a bid biometric sample to at least one registration biometric sample , and comparing a bid payee identification data with at least one registration payee identification data ; the system [FEATURE ID: 9] being arranged so that the biometric sample is sent together with payee identification data to the comparator engine and a message [FEATURE ID: 11] containing the payor ' s financial account identifier [FEATURE ID: 15] ( s ) is sent from the computer data processing center to the PIA only if the bid and registration payee data match and if the bid and registration payor biometric samples [FEATURE ID: 4] match . 27 . The authorization device [FEATURE ID: 1] of claim [FEATURE ID: 14] 26 , wherein no credit [FEATURE ID: 5] / debit card [FEATURE ID: 15] , smartcard [FEATURE ID: 15] or a paper check [FEATURE ID: 3] is used by the payor to conduct the financial transaction [FEATURE ID: 12]

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Targeted Patent: Patent: US9679286B2 Filed: 2005-09-20 Issued: 2017-06-13 Patent Holder: (Original Assignee) OHVA Inc     (Current Assignee) OHVA Inc Inventor(s): Vincent Cedric Colnot, Ty Fellers Title: Methods and apparatus for enabling secure network-based transactions	Cross Reference / Shared Meaning between the Lines	Charted Against: Patent: US20050138421A1 Filed: 2003-12-23 Issued: 2005-06-23 Patent Holder: (Original Assignee) ActivCard Inc     (Current Assignee) ActivIdentity Inc Inventor(s): Dominique Fedronic, Eric Le Saint Title: Server mediated security token access
[TRANSITIVE ID: 1] comprising, having	with, including, of, containing, incorporating, for, by	[TRANSITIVE ID: 1] comprising, using, following
[FEATURE ID: 2] card reader, user, line merchant	network, customer, device, controller, server, host, browser	[FEATURE ID: 2] user
[FEATURE ID: 3] input interface	input, output, entry, access	[FEATURE ID: 3] access request
[TRANSITIVE ID: 4] configured, accessible	provided, operable, initiated, implemented, based, activated, programmed	[TRANSITIVE ID: 4] mediated, enabled
[TRANSITIVE ID: 5] accept, connect	interface, access, input, link, provide, request, coupling	[TRANSITIVE ID: 5] user access
[FEATURE ID: 6] transaction data, direct data exchange, services	communication, data, transactions, sessions, authentication, messages, information	[FEATURE ID: 6] critical security parameters, authentication transactions
[FEATURE ID: 7] output interface	application, instance, operation, element	[FEATURE ID: 7] invalid entry counter
[FEATURE ID: 8] transaction card, first Internet, second Internet, financial institution	computer, user, client, transaction, network, token, provider	[FEATURE ID: 8] server, security token
[FEATURE ID: 9] part	result, portion, characteristic, component, function	[FEATURE ID: 9] member
[FEATURE ID: 10] smart telephone, processor	computer, device, user, player, terminal, host, server	[FEATURE ID: 10] client
[TRANSITIVE ID: 11] providing	transmitting, sending, conveying, communicating, transferring, passing, distributing	[TRANSITIVE ID: 11] exchanging
[FEATURE ID: 12] instructions	information, rules, contents, files, credentials, resources, data	[FEATURE ID: 12] security token resources, session keys
[FEATURE ID: 13] non-transitory medium	system, database, code, memory, library, password, transaction	[FEATURE ID: 13] security policy, critical security parameter, set
[TRANSITIVE ID: 14] connected	related, bound, accessible, linked, associated, attached	[TRANSITIVE ID: 14] coupled
[FEATURE ID: 15] server, Internet	network, access, computer, application, apparatus, database, infrastructure	[FEATURE ID: 15] authentication server
[FEATURE ID: 16] transactions	authorization, processing, authentication, verification	[FEATURE ID: 16] successful completion
[FEATURE ID: 17] claim	clair, clause, previous claim, claims claim, statement, the claim, preceding claim	[FEATURE ID: 17] claim
[FEATURE ID: 18] card verification code	code, signature, pin, nonce, credential, name, key	[FEATURE ID: 18] unique identifier, passphrase, cryptographic key, biometric data, password, security state
[FEATURE ID: 19] method	process, procedure, system, methods, computerized method, step, processing method	[FEATURE ID: 19] security token access method, steps, method
1 . An apparatus comprising [TRANSITIVE ID: 1] : a card reader [FEATURE ID: 2] having [TRANSITIVE ID: 1] an input interface [FEATURE ID: 3] configured [TRANSITIVE ID: 4] to accept [TRANSITIVE ID: 5] transaction data [FEATURE ID: 6] from an output interface [FEATURE ID: 7] of a transaction card [FEATURE ID: 8] , and an output pin , as a part [FEATURE ID: 9] of the card reader , configured to directly connect [TRANSITIVE ID: 5] the card reader to a microphone port of a smart telephone [FEATURE ID: 10] , the card reader providing [TRANSITIVE ID: 11] the transaction data accepted from the output interface of the transaction card to the output pin , and hence to the microphone port , as an analog variable voltage audio signal ; and coded instructions [FEATURE ID: 12] stored in a non-transitory medium [FEATURE ID: 13] of a first Internet [FEATURE ID: 8] - connected [TRANSITIVE ID: 14] server [FEATURE ID: 15] , and accessible [FEATURE ID: 4] by a user [FEATURE ID: 2] of the card reader ; wherein the coded instructions , when executed on a processor [FEATURE ID: 10] in the smart telephone , convert the analog variable voltage audio signal received at the microphone port to the transaction data as digital data , establish direct data exchange [FEATURE ID: 6] between the smart telephone and a second Internet [FEATURE ID: 8] - connected server and facilitate transactions [FEATURE ID: 16] by a financial institution [FEATURE ID: 8] , or purchases from an online - merchant , using the transaction data . 2 . The apparatus of claim [FEATURE ID: 17] 1 wherein the coded instructions , when executed on a processor in the smart telephone , retrieve a card verification code [FEATURE ID: 18] ( CVV ) , and use the CVV in purchases or transactions . 3 . A method [FEATURE ID: 19] comprising : accepting transaction data from a transaction card at an input interface of a card reader having an output pin as a part of the card reader , the output pin directly connecting the card reader in a microphone port of a smart telephone ; receiving the transaction data in the smart telephone as an analog variable voltage audio signal from the microphone port of the smart telephone ; converting the analog variable voltage audio signal received at the microphone port to the transaction data as digital data ; establishing direct data exchange with an Internet [FEATURE ID: 15] - connected server providing services [FEATURE ID: 6] to a financial institution or an on - line merchant [FEATURE ID: 2]		1 . A server [FEATURE ID: 8] mediated [TRANSITIVE ID: 4] security token access method [FEATURE ID: 19] comprising [TRANSITIVE ID: 1] the steps [FEATURE ID: 19] of : a. exchanging [TRANSITIVE ID: 11] one or more critical security parameters [FEATURE ID: 6] between a security token [FEATURE ID: 8] enabled [TRANSITIVE ID: 4] client [FEATURE ID: 10] , a security token operatively coupled [TRANSITIVE ID: 14] to said security token enabled client and an authentication server [FEATURE ID: 15] , wherein said security token is generally unavailable to a user [FEATURE ID: 2] due to implementation of a security policy [FEATURE ID: 13] or a processing limitation , b. performing a plurality of authentication transactions [FEATURE ID: 6] between at least said security token and said authentication server using [TRANSITIVE ID: 1] said one or more critical security parameters , and c. allowing said user access [FEATURE ID: 5] to one or more security token resources [FEATURE ID: 12] following [TRANSITIVE ID: 1] successful completion [FEATURE ID: 16] of said plurality of authentication transactions . 2 . The method [FEATURE ID: 19] according to claim [FEATURE ID: 17] 1 wherein step 1 . a further includes the steps of ; a. generating by either said security token or said security token enabled client , an access request [FEATURE ID: 3] which incorporates a unique identifier [FEATURE ID: 18] associated with said security token , b. sending said access request to said authentication server , and c. obtaining a critical security parameter [FEATURE ID: 13] associated with said unique identifier , wherein said critical security parameter is a member [FEATURE ID: 9] of said one or more critical security parameters . 3 . The method according to claim 1 wherein said one or more critical security parameters is selected from the group consisting of a passphrase [FEATURE ID: 18] , a cryptographic key [FEATURE ID: 18] , biometric data [FEATURE ID: 18] , a password [FEATURE ID: 18] , a security state [FEATURE ID: 18] associated with said security policy and a result of a cryptographic operation . 4 . The method according to claim 1 further including the step of establishing a secure messaging session between said authentication server and at least said security token . 5 . The method according to claim 1 further including the step of resetting an invalid entry counter [FEATURE ID: 7] associated with said security token following successful completion of said plurality of authentication transactions . 6 . The method according to claim 4 wherein said secure messaging session incorporates a set [FEATURE ID: 13] of session keys [FEATURE ID: 12]

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Targeted Patent: Patent: US9679286B2 Filed: 2005-09-20 Issued: 2017-06-13 Patent Holder: (Original Assignee) OHVA Inc     (Current Assignee) OHVA Inc Inventor(s): Vincent Cedric Colnot, Ty Fellers Title: Methods and apparatus for enabling secure network-based transactions	Cross Reference / Shared Meaning between the Lines	Charted Against: Patent: US6901512B2 Filed: 2000-12-12 Issued: 2005-05-31 Patent Holder: (Original Assignee) Hewlett Packard Development Co LP     (Current Assignee) Valtrus Innovations Ltd ; Hewlett Packard Enterprise Development LP Inventor(s): David Michael Kurn, Kent Adams Salmond, Robert A. Panero Title: Centralized cryptographic key administration scheme for enabling secure context-free application operation
[TRANSITIVE ID: 1] comprising, having	including, includes, providing, with, incorporating, containing, comprises	[TRANSITIVE ID: 1] comprising
[FEATURE ID: 2] card reader, processor	module, memory, computer, device, component, system, platform	[FEATURE ID: 2] application, database
[TRANSITIVE ID: 3] configured	dedicated, provided, intended, adapted, enabled, operable, arranged	[TRANSITIVE ID: 3] configured
[TRANSITIVE ID: 4] accept	receive, obtain, acquire, request, take, process, retrieve	[TRANSITIVE ID: 4] validate, access
[FEATURE ID: 5] transaction data	transaction, access, information, communication, signal	[FEATURE ID: 5] query
[TRANSITIVE ID: 6] connect	contact, provide, access, direct	[TRANSITIVE ID: 6] query
[TRANSITIVE ID: 7] accepted	received, provided, available, obtained, retrieved	[TRANSITIVE ID: 7] requested
[FEATURE ID: 8] instructions	items, files, values, operations, parameters, keys, objects	[FEATURE ID: 8] symmetric keys, sensitive information, information, operator entries
[TRANSITIVE ID: 9] stored, accessible	installed, configured, provided, implemented, disposed, executable, carried	[TRANSITIVE ID: 9] located
[FEATURE ID: 10] non-transitory medium, server, user, second Internet, financial institution	database, computer, network, client, processor, cache, host	[FEATURE ID: 10] cryptographic system, server, key repository process, sensitive data, memory, single server process instance
[FEATURE ID: 11] first Internet	www, network, client, website, database	[FEATURE ID: 11] hypertext transfer protocol
[FEATURE ID: 12] direct data exchange, services	access, authentication, transactions, data, service, authorization, sessions	[FEATURE ID: 12] authorizations
[FEATURE ID: 13] claim	clair, claim of, figure, item, embodiment, paragraph, clause	[FEATURE ID: 13] claim
[FEATURE ID: 14] card verification code	value, signature, password, credential	[FEATURE ID: 14] cookie
1 . An apparatus comprising [TRANSITIVE ID: 1] : a card reader [FEATURE ID: 2] having [TRANSITIVE ID: 1] an input interface configured [TRANSITIVE ID: 3] to accept [TRANSITIVE ID: 4] transaction data [FEATURE ID: 5] from an output interface of a transaction card , and an output pin , as a part of the card reader , configured to directly connect [TRANSITIVE ID: 6] the card reader to a microphone port of a smart telephone , the card reader providing the transaction data accepted [TRANSITIVE ID: 7] from the output interface of the transaction card to the output pin , and hence to the microphone port , as an analog variable voltage audio signal ; and coded instructions [FEATURE ID: 8] stored [TRANSITIVE ID: 9] in a non-transitory medium [FEATURE ID: 10] of a first Internet [FEATURE ID: 11] - connected server [FEATURE ID: 10] , and accessible [FEATURE ID: 9] by a user [FEATURE ID: 10] of the card reader ; wherein the coded instructions , when executed on a processor [FEATURE ID: 2] in the smart telephone , convert the analog variable voltage audio signal received at the microphone port to the transaction data as digital data , establish direct data exchange [FEATURE ID: 12] between the smart telephone and a second Internet [FEATURE ID: 10] - connected server and facilitate transactions by a financial institution [FEATURE ID: 10] , or purchases from an online - merchant , using the transaction data . 2 . The apparatus of claim [FEATURE ID: 13] 1 wherein the coded instructions , when executed on a processor in the smart telephone , retrieve a card verification code [FEATURE ID: 14] ( CVV ) , and use the CVV in purchases or transactions . 3 . A method comprising : accepting transaction data from a transaction card at an input interface of a card reader having an output pin as a part of the card reader , the output pin directly connecting the card reader in a microphone port of a smart telephone ; receiving the transaction data in the smart telephone as an analog variable voltage audio signal from the microphone port of the smart telephone ; converting the analog variable voltage audio signal received at the microphone port to the transaction data as digital data ; establishing direct data exchange with an Internet - connected server providing services [FEATURE ID: 12]		1 . A cryptographic system [FEATURE ID: 10] , comprising [TRANSITIVE ID: 1] : at least one server [FEATURE ID: 10] ; any number of clients ; at least one application [FEATURE ID: 2] located [TRANSITIVE ID: 9] on one of the at least one server , each capable of engaging in a context - free multi-part communication session with any of the clients ; a key repository process [FEATURE ID: 10] on one of the at least one server , the key repository process configured [TRANSITIVE ID: 3] to validate [TRANSITIVE ID: 4] and record authorizations [FEATURE ID: 12] of specific programs to access [TRANSITIVE ID: 4] one or more than one set of symmetric keys [FEATURE ID: 8] , wherein each of the at least one application is configured to query [TRANSITIVE ID: 6] the key repository process for one or more than one set of symmetric keys , and the key repository process further configured , in response to the query [FEATURE ID: 5] from a particular instance of the at least one application , to provide the requested [TRANSITIVE ID: 7] one or more than one set of symmetric keys to the particular instance of the at least one application but only if the key repository process authenticates the particular instance of the at least one application as being pre-authorized to receive the requested one or more than one set of symmetric keys ; the particular instance of the at least one application can utilize the one or more than one set of symmetric keys for securely off - loading sensitive information [FEATURE ID: 8] in any intermediate part of the context - free multi-part communication session ; and the key repository process includes a database [FEATURE ID: 2] for storing the one or more than one set of symmetric keys , each set of symmetric keys including an integrity key for ensuring the integrity of information [FEATURE ID: 8] stored in the database and a protection key configured to protect sensitive information on the database , the database storing there within operator entries [FEATURE ID: 8] used to retain the value of the integrity key and owner entries used to retain a share of the protection key . 2 . The cryptographic system as in claim [FEATURE ID: 13] 1 , wherein the sensitive information in an intermediate part is securely off - loaded to the database . 3 . The cryptographic system as in claim 1 , wherein the sensitive information in an intermediate part is securely off - loaded as a cookie [FEATURE ID: 14] to an intended one of the clients that returns the cookie within a next part of the context - free multi-part communication session . 4 . The cryptographic system as in claim 1 , wherein the key repository process maintains one set of symmetric keys for all of the at least one application . 5 . The cryptographic system as in claim 1 , wherein the key repository process maintains a distinct set of symmetric keys for each one of the at least one application . 6 . The cryptographic system as in claim 1 , wherein the text - free multi-part communication session is conducted using a hypertext transfer protocol [FEATURE ID: 11] . 7 . The cryptographic system as in claim 1 , wherein both the at least one application and the at least one server utilize one of a hypertext markup language , a standard generalized markup language , and an extensible markup language . 8 . The cryptographic system as in claim 1 , wherein the securely off - loaded sensitive information can be then accessed by any one of the at least one application engaging in the context - free multi-part communication session . 9 . The cryptographic system as in claim 1 , wherein the securely off - loaded sensitive information is encrypted . 10 . The cryptographic system as in claim 1 , wherein the sensitive data [FEATURE ID: 10] is securely off - loaded to a working memory [FEATURE ID: 10] in a server to enable a single server process instance [FEATURE ID: 10]

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Targeted Patent: Patent: US9679286B2 Filed: 2005-09-20 Issued: 2017-06-13 Patent Holder: (Original Assignee) OHVA Inc     (Current Assignee) OHVA Inc Inventor(s): Vincent Cedric Colnot, Ty Fellers Title: Methods and apparatus for enabling secure network-based transactions	Cross Reference / Shared Meaning between the Lines	Charted Against: Patent: US20050113070A1 Filed: 2003-11-21 Issued: 2005-05-26 Patent Holder: (Original Assignee) NEC Corp     (Current Assignee) NEC Corp Inventor(s): Toshiya Okabe Title: Mobile terminal authentication method capable of reducing authentication processing time and preventing fraudulent transmission/reception of data through spoofing
[TRANSITIVE ID: 1] comprising, having	including, comprises, of, containing, includes, providing, by	[TRANSITIVE ID: 1] comprising
[FEATURE ID: 2] transaction data	content, data, number, key, value, output, communication	[FEATURE ID: 2] result, password
[FEATURE ID: 3] output pin	terminal, interface, apparatus, antenna	[FEATURE ID: 3] authentication responsible device
[FEATURE ID: 4] smart telephone, first Internet, server, second Internet	network, user, device, computer, mobile, terminal, wan	[FEATURE ID: 4] mobile wireless communication system, mobile terminal, mobile terminal makes communications
[TRANSITIVE ID: 5] providing	delivering, broadcasting, presenting, emitting, sending, feeding, passing	[TRANSITIVE ID: 5] transmitting
[TRANSITIVE ID: 6] accepted	transmitted, derived, provided, obtained, received, issued, specified	[TRANSITIVE ID: 6] generated, given
[FEATURE ID: 7] direct data exchange	communication, synchronization, authentication, transmission, access	[FEATURE ID: 7] handover
[FEATURE ID: 8] claim	clair, the claim, statement, figure, item, embodiment, paragraph	[FEATURE ID: 8] claim
[FEATURE ID: 9] card verification code	password, code, key, value, token, certificate, credential	[FEATURE ID: 9] hash function, random number, challenge word, local challenge
[FEATURE ID: 10] method	procedure, system, methods, process, step, authentication, encryption method	[FEATURE ID: 10] authentication method, method
1 . An apparatus comprising [TRANSITIVE ID: 1] : a card reader having [TRANSITIVE ID: 1] an input interface configured to accept transaction data [FEATURE ID: 2] from an output interface of a transaction card , and an output pin [FEATURE ID: 3] , as a part of the card reader , configured to directly connect the card reader to a microphone port of a smart telephone [FEATURE ID: 4] , the card reader providing [TRANSITIVE ID: 5] the transaction data accepted [TRANSITIVE ID: 6] from the output interface of the transaction card to the output pin , and hence to the microphone port , as an analog variable voltage audio signal ; and coded instructions stored in a non-transitory medium of a first Internet [FEATURE ID: 4] - connected server [FEATURE ID: 4] , and accessible by a user of the card reader ; wherein the coded instructions , when executed on a processor in the smart telephone , convert the analog variable voltage audio signal received at the microphone port to the transaction data as digital data , establish direct data exchange [FEATURE ID: 7] between the smart telephone and a second Internet [FEATURE ID: 4] - connected server and facilitate transactions by a financial institution , or purchases from an online - merchant , using the transaction data . 2 . The apparatus of claim [FEATURE ID: 8] 1 wherein the coded instructions , when executed on a processor in the smart telephone , retrieve a card verification code [FEATURE ID: 9] ( CVV ) , and use the CVV in purchases or transactions . 3 . A method [FEATURE ID: 10]		1 . An authentication method [FEATURE ID: 10] for use in a mobile wireless communication system [FEATURE ID: 4] which includes a mobile terminal [FEATURE ID: 4] , a plurality of radio access points , and an authentication responsible device [FEATURE ID: 3] , wherein said mobile terminal makes communications [FEATURE ID: 4] through one of said radio access points , said method [FEATURE ID: 10] comprising [TRANSITIVE ID: 1] the steps of : said mobile terminal transmitting [TRANSITIVE ID: 5] an N - th authentication key to said authentication responsible device when an N - th handover [FEATURE ID: 7] occurs , said N - th authentication key being generated [TRANSITIVE ID: 6] by applying a hash function [FEATURE ID: 9] to a value given [TRANSITIVE ID: 6] from said authentication responsible device a number of times different by a predetermined number of times from an ( N −1 ) th authentication key transmitted when an ( N −1 ) th handover occurred ; and said authentication responsible device authenticating the validity of said mobile terminal based on whether or not the N - th authentication key sent from said mobile terminal and the ( N −1 ) th authentication key previously sent from said mobile terminal satisfy a predetermined relationship . 2 . An authentication method for use in a mobile wireless communication system which includes a mobile terminal , a plurality of radio access points , and an authentication responsible device , wherein said mobile terminal makes communications through one of said radio access points , said method comprising the steps of : said mobile terminal generating an authentication key each time a handover occurs by applying a hash function to a value given from said authentication responsible device a number of times associated with the number of times the authentication key has been transmitted , and transmitting the generated authentication key to said authentication responsible device ; and said authentication responsible device authenticating the validity of said mobile terminal based on whether or not the current authentication key sent from said mobile terminal and a preceding authentication key sent from said mobile terminal satisfy a predetermined relationship . 3 . The authentication method according to claim [FEATURE ID: 8] 1 , wherein said value given from said authentication responsible device is a random number [FEATURE ID: 9] . 4 . The authentication method according to claim 2 , wherein said value given from said authentication responsible device is a random number . 5 . An authentication method for use in a mobile wireless communication system which includes a mobile terminal , a plurality of radio access points , and an authentication server , wherein said mobile terminal makes communications through one of said radio access points , said method comprising the steps of : said authentication server transmitting a challenge word [FEATURE ID: 9] to said mobile terminal ; said mobile terminal holding the challenge word sent from said authentication server , and transmitting an N - th authentication key to said authentication server when an N - th handover occurs , said N - th authentication key being generated by applying a hash function to the held challenge word a number of times different by a predetermined number of times from an ( N −1 ) th authentication key transmitted when an ( N - 1 ) th handover has occurred ; and said authentication server authenticating the validity of said mobile terminal when the N - th authentication key is sent from said mobile terminal , based on whether or not the N - th authentication key and the held ( N −1 ) th authentication key have a predetermined relationship , and holding the N - th authentication key in place of the ( N - 1 ) th authentication key when the authentication is successful . 6 . The authentication method according to claim 5 , wherein : said hash function is a one - way function , said N - th authentication key is generated by applying the hash function to the challenge word a number of times smaller by one than said ( N −1 ) th authentication key , and said authentication server determines a successful authentication when the result [FEATURE ID: 2] of applying the hash function once to the N - th authentication key sent from said mobile terminal matches the held ( N −1 ) th authentication key . 7 . The authentication method according to claim 5 , further comprising the steps of : when the N - th handover occurs , said mobile terminal transmitting to said authentication server the N - th authentication key generated by applying the hash function to the challenge word a number of times smaller by one than the ( N −1 ) th authentication key transmitted when the ( N −1 ) th handover occurred , and an N - th sequence number which is larger by one than an ( N −1 ) th sequence number transmitted when the ( N −1 ) th handover occurred ; and said authentication server applying the hash function to the N - th authentication key a number of times in accordance with a difference between a held sequence number and the N - th sequence number when the N - th authentication key and sequence number are sent from said mobile terminal , determining that the authentication is successful when the result of applying the hash function to the N - th authentication key matches the held authentication key , and holding the N - th authentication key and sequence number in place of the held authentication key and sequence number . 8 . An authentication method for use in a mobile wireless communication system which includes a mobile terminal , a plurality of radio access points , an authentication server , and an authentication proxy switch disposed between said authentication server and said plurality of radio access points , wherein said mobile terminal makes communications through one of said radio access points , said method comprising the steps of : said authentication server authenticating the validity of said mobile terminal based on a password [FEATURE ID: 2] sent from said mobile terminal ; said authentication proxy switch transmitting a local challenge [FEATURE ID: 9]

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Targeted Patent: Patent: US9679286B2 Filed: 2005-09-20 Issued: 2017-06-13 Patent Holder: (Original Assignee) OHVA Inc     (Current Assignee) OHVA Inc Inventor(s): Vincent Cedric Colnot, Ty Fellers Title: Methods and apparatus for enabling secure network-based transactions	Cross Reference / Shared Meaning between the Lines	Charted Against: Patent: US6898577B1 Filed: 1999-03-18 Issued: 2005-05-24 Patent Holder: (Original Assignee) Oracle International Corp     (Current Assignee) Oracle International Corp Inventor(s): Richard C. Johnson Title: Methods and systems for single sign-on authentication in a multi-vendor e-commerce environment and directory-authenticated bank drafts
[TRANSITIVE ID: 1] comprising	including, having, comprises, containing, includes, with, involving	[TRANSITIVE ID: 1] comprising
[FEATURE ID: 2] card reader	controller, system, terminal, computer	[FEATURE ID: 2] Directory software
[TRANSITIVE ID: 3] having	including, containing, defining, providing	[TRANSITIVE ID: 3] storing
[FEATURE ID: 4] transaction data	transaction, information, data, payment, content, currency	[FEATURE ID: 4] financial information
[FEATURE ID: 5] output pin	output, interface, input, pin	[FEATURE ID: 5] identification data
[FEATURE ID: 6] part	component, characteristic, piece, section	[FEATURE ID: 6] portion
[TRANSITIVE ID: 7] accepted, stored	received, transmitted, maintained, held, retained, entered, carried	[TRANSITIVE ID: 7] provided
[TRANSITIVE ID: 8] coded	said, stored, digital, the	[TRANSITIVE ID: 8] unique
[FEATURE ID: 9] non-transitory medium, server, processor, second Internet	database, network, host, memory, user, system, website	[FEATURE ID: 9] computer, data structure, draft drawee
[FEATURE ID: 10] first Internet	website, world, www, first, public, remote, server	[FEATURE ID: 10] secure World Wide Web, Web
[TRANSITIVE ID: 11] connected, accessible	enabled, readable, associated, installed, supported, initiated, generated	[TRANSITIVE ID: 11] implemented, linked
[FEATURE ID: 12] user, merchant	customer, vendor, consumer, seller, retailer, client, reader	[FEATURE ID: 12] payee
[FEATURE ID: 13] financial institution	user, consumer, recipient, vendor, customer	[FEATURE ID: 13] drawee
[FEATURE ID: 14] claim	clair, embodiment, statement, clause, paragraph, preceding claim, item	[FEATURE ID: 14] claim
[FEATURE ID: 15] card verification code	pin, biometric, signature, password, text, information, name	[FEATURE ID: 15] password pair, biometric data
[FEATURE ID: 16] method	methodology, system, process, device, procedure, technique, methods	[FEATURE ID: 16] draft authentication method, method
[FEATURE ID: 17] Internet	internet, web, ip, http, ethernet	[FEATURE ID: 17] similar standard format
[FEATURE ID: 18] services	funds, security, communications, transactions	[FEATURE ID: 18] e-commerce
1 . An apparatus comprising [TRANSITIVE ID: 1] : a card reader [FEATURE ID: 2] having [TRANSITIVE ID: 3] an input interface configured to accept transaction data [FEATURE ID: 4] from an output interface of a transaction card , and an output pin [FEATURE ID: 5] , as a part [FEATURE ID: 6] of the card reader , configured to directly connect the card reader to a microphone port of a smart telephone , the card reader providing the transaction data accepted [TRANSITIVE ID: 7] from the output interface of the transaction card to the output pin , and hence to the microphone port , as an analog variable voltage audio signal ; and coded [TRANSITIVE ID: 8] instructions stored [TRANSITIVE ID: 7] in a non-transitory medium [FEATURE ID: 9] of a first Internet [FEATURE ID: 10] - connected [TRANSITIVE ID: 11] server [FEATURE ID: 9] , and accessible [FEATURE ID: 11] by a user [FEATURE ID: 12] of the card reader ; wherein the coded instructions , when executed on a processor [FEATURE ID: 9] in the smart telephone , convert the analog variable voltage audio signal received at the microphone port to the transaction data as digital data , establish direct data exchange between the smart telephone and a second Internet [FEATURE ID: 9] - connected server and facilitate transactions by a financial institution [FEATURE ID: 13] , or purchases from an online - merchant [FEATURE ID: 12] , using the transaction data . 2 . The apparatus of claim [FEATURE ID: 14] 1 wherein the coded instructions , when executed on a processor in the smart telephone , retrieve a card verification code [FEATURE ID: 15] ( CVV ) , and use the CVV in purchases or transactions . 3 . A method [FEATURE ID: 16] comprising : accepting transaction data from a transaction card at an input interface of a card reader having an output pin as a part of the card reader , the output pin directly connecting the card reader in a microphone port of a smart telephone ; receiving the transaction data in the smart telephone as an analog variable voltage audio signal from the microphone port of the smart telephone ; converting the analog variable voltage audio signal received at the microphone port to the transaction data as digital data ; establishing direct data exchange with an Internet [FEATURE ID: 17] - connected server providing services [FEATURE ID: 18]		1 . A computer [FEATURE ID: 9] - implemented [TRANSITIVE ID: 11] draft authentication method [FEATURE ID: 16] for use in e-commerce [FEATURE ID: 18] , comprising [TRANSITIVE ID: 1] the steps of : storing [TRANSITIVE ID: 3] , for each of a plurality of draft drawers , at least one piece of unique [FEATURE ID: 8] identifying information , said at least one piece of unique identifying information being linked [TRANSITIVE ID: 11] at least to said respective drawer ' s financial information [FEATURE ID: 4] ; authenticating a drawer of a draft by immediately encrypting at least a portion [FEATURE ID: 6] of an identification data [FEATURE ID: 5] provided [TRANSITIVE ID: 7] by the drawer and successfully matching the immediately encrypted identification data with said at least one stored piece of identifying information ; retrieving at least the drawer ' s financial information and establishing constraints based on the retrieved financial information ; honoring a draft presented by a payee [FEATURE ID: 12] with whom the drawee [FEATURE ID: 13] has a partner relationship only when the drawer of the presented draft is successfully authenticated by drawee and the constraints are satisfied . 2 . The method [FEATURE ID: 16] of claim [FEATURE ID: 14] 1 , wherein said at least one piece of identifying information includes at least one of an ID and encrypted password pair [FEATURE ID: 15] and biometric data [FEATURE ID: 15] . 3 . The method of claim 1 , wherein said at least one piece of unique identifying information for each of the plurality of draft drawers is stored in a data structure [FEATURE ID: 9] managed by a Directory software [FEATURE ID: 2] controlled by the draft drawee [FEATURE ID: 9] . 4 . The method of claim 3 , wherein at least a portion of the data structure is replicated , via Light Weight Directory Access Protocol ( LDAP ) or similar standard format [FEATURE ID: 17] , to each of the plurality of draft payees . 5 . The method of claim 1 , wherein the establishing step further includes the steps of providing a master list to each of the plurality of draft payees , the master list including said at least one piece of unique identifying information for each of the plurality of draft drawers . 6 . The method of claim 1 , further including the step of making a payee list available to the plurality of draft drawers , the payee list identifying the plurality of draft payees with whom the drawee has a partner relationship . 7 . The method of claim 6 , wherein the payee list is posted on a secure World Wide Web [FEATURE ID: 10] ( Web [FEATURE ID: 10]

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Targeted Patent: Patent: US9679286B2 Filed: 2005-09-20 Issued: 2017-06-13 Patent Holder: (Original Assignee) OHVA Inc     (Current Assignee) OHVA Inc Inventor(s): Vincent Cedric Colnot, Ty Fellers Title: Methods and apparatus for enabling secure network-based transactions	Cross Reference / Shared Meaning between the Lines	Charted Against: Patent: US20050097362A1 Filed: 2003-11-05 Issued: 2005-05-05 Patent Holder: (Original Assignee) Cisco Technology Inc     (Current Assignee) Cisco Technology Inc Inventor(s): Nancy Winget, Mark Krischer, Ilan Frenkel, Hao Zhou Title: Protected dynamic provisioning of credentials
[FEATURE ID: 1] apparatus	appliance, article, invention, instrument, embodiment, method, assembly	[FEATURE ID: 1] implementation
[TRANSITIVE ID: 2] comprising, having	including, with, providing, incorporating, involving, by, includes	[TRANSITIVE ID: 2] comprising, using
[FEATURE ID: 3] card reader	device, memory, module, computer	[FEATURE ID: 3] computer program product
[TRANSITIVE ID: 4] configured	selected, operable, enabled, operative, designed, arranged, provided	[TRANSITIVE ID: 4] used
[TRANSITIVE ID: 5] accept	access, retrieve, receive, obtain, provide	[TRANSITIVE ID: 5] provision
[FEATURE ID: 6] transaction data	information, access, data, transaction, payment, media, communications	[FEATURE ID: 6] secure credentials, communication, instructions
[FEATURE ID: 7] output interface	interface, application, operation, engine	[FEATURE ID: 7] encryption algorithm
[TRANSITIVE ID: 8] connect, direct data exchange	link, coupling, dialog, service, connectivity, port, contact	[TRANSITIVE ID: 8] communication implementation
[FEATURE ID: 9] smart telephone, user, second Internet	network, modem, computer, wireless, mobile, cellular, server	[FEATURE ID: 9] wired implementation, wireless implementation
[TRANSITIVE ID: 10] providing	transmitting, conducting, carrying, conveying, communicating, transferring, passing	[TRANSITIVE ID: 10] provisioning
[FEATURE ID: 11] instructions, non-transitory medium, processor	medium, media, memory, host, system, program, means	[FEATURE ID: 11] computer usable medium, computer readable program code
[FEATURE ID: 12] first Internet, server, financial institution	user, client, provider, network, public, computer, first	[FEATURE ID: 12] shared, server
[FEATURE ID: 13] transactions, services	authorization, authentication, payment, commerce, communications, security	[FEATURE ID: 13] secure communication
[FEATURE ID: 14] claim	clair, embodiment, claim of, clause, paragraph, preceding claim, item	[FEATURE ID: 14] claim
[FEATURE ID: 15] card verification code	password, cryptogram, signature, seed, value, salt, credential	[FEATURE ID: 15] secret, symmetric encryption algorithm
[FEATURE ID: 16] method	wireless method, procedure, technique, system, methods, methodology, process	[FEATURE ID: 16] method
1 . An apparatus [FEATURE ID: 1] comprising [TRANSITIVE ID: 2] : a card reader [FEATURE ID: 3] having [TRANSITIVE ID: 2] an input interface configured [TRANSITIVE ID: 4] to accept [TRANSITIVE ID: 5] transaction data [FEATURE ID: 6] from an output interface [FEATURE ID: 7] of a transaction card , and an output pin , as a part of the card reader , configured to directly connect [TRANSITIVE ID: 8] the card reader to a microphone port of a smart telephone [FEATURE ID: 9] , the card reader providing [TRANSITIVE ID: 10] the transaction data accepted from the output interface of the transaction card to the output pin , and hence to the microphone port , as an analog variable voltage audio signal ; and coded instructions [FEATURE ID: 11] stored in a non-transitory medium [FEATURE ID: 11] of a first Internet [FEATURE ID: 12] - connected server [FEATURE ID: 12] , and accessible by a user [FEATURE ID: 9] of the card reader ; wherein the coded instructions , when executed on a processor [FEATURE ID: 11] in the smart telephone , convert the analog variable voltage audio signal received at the microphone port to the transaction data as digital data , establish direct data exchange [FEATURE ID: 8] between the smart telephone and a second Internet [FEATURE ID: 9] - connected server and facilitate transactions [FEATURE ID: 13] by a financial institution [FEATURE ID: 12] , or purchases from an online - merchant , using the transaction data . 2 . The apparatus of claim [FEATURE ID: 14] 1 wherein the coded instructions , when executed on a processor in the smart telephone , retrieve a card verification code [FEATURE ID: 15] ( CVV ) , and use the CVV in purchases or transactions . 3 . A method [FEATURE ID: 16] comprising : accepting transaction data from a transaction card at an input interface of a card reader having an output pin as a part of the card reader , the output pin directly connecting the card reader in a microphone port of a smart telephone ; receiving the transaction data in the smart telephone as an analog variable voltage audio signal from the microphone port of the smart telephone ; converting the analog variable voltage audio signal received at the microphone port to the transaction data as digital data ; establishing direct data exchange with an Internet - connected server providing services [FEATURE ID: 13]		1 . A method [FEATURE ID: 16] of secure communication [FEATURE ID: 13] comprising [TRANSITIVE ID: 2] : providing a communication implementation [FEATURE ID: 8] between at least first and second parties ; establishing a secure tunnel between the at least first and second parties using [TRANSITIVE ID: 2] an encryption algorithm [FEATURE ID: 7] ; authenticating between the at least first and second parties over the secured tunnel ; provisioning [TRANSITIVE ID: 10] secure credentials [FEATURE ID: 6] between the at least first and second parties using the secured tunnel . 2 . The method of claim [FEATURE ID: 14] 1 wherein the communication implementation between the at least first and second parties is at least one of a wired implementation [FEATURE ID: 9] and a wireless implementation [FEATURE ID: 9] . 3 . The method of claim 1 wherein the encryption algorithm is an asymmetric encryption algorithm . 4 . The method of claim 3 wherein the asymmetric encryption algorithm is used [TRANSITIVE ID: 4] to derive a shared [TRANSITIVE ID: 12] secret [FEATURE ID: 15] , subsequently used in the step of establishing a secure tunnel . 5 . The method of claim 3 wherein the asymmetric encryption algorithm is Diffie - Hellman key exchange . 6 . The method of claim 1 wherein the step of authenticating is performed using Microsoft MS - CHAP v2 . 7 . The method of claim 1 further comprising a step of provisioning a public / private key pair on one of the at least first and second parties , and then to provision [FEATURE ID: 5] that public key on the respective remaining ones of the at least first and second parties . 8 . The method of claim 7 wherein the step of provisioning a public / private key pair comprises providing a server [FEATURE ID: 12] - side certificate in accordance with Public Key Infrastructure ( PKI ) . 9 . An implementation [FEATURE ID: 1] for enabling secure communication comprising : an implementation for enabling communication [FEATURE ID: 6] between first and second parties ; an implementation for establishing a secure tunnel between the at least first and second parties using an encryption algorithm ; an implementation for provisioning secure credentials over the secured tunnel between the at least first and second parties ; an implementation for authenticating between the at least first and second parties over the secured tunnel . 10 . The implementation of claim 9 wherein the implementation for enabling communication between first and second parties is at least one of a wired implementation and a wireless implementation . 11 . The implementation of claim 9 wherein the encryption algorithm is an asymmetric encryption algorithm . 12 . The implementation of claim 11 wherein the asymmetric encryption algorithm is used to derive a shared secret , subsequently used in the step of establishing a secure tunnel . 13 . The implementation of claim 11 wherein the asymmetric encryption algorithm is Diffie - Hellman key exchange . 14 . The implementation of claim 9 wherein the implementation for authenticating comprises Microsoft MS - CHAP v2 . 15 . The implementation of claim 9 further comprising an implementation for provisioning a public / private key pair on one of the at least first and second parties , and then to provision that public key on the respective remaining ones of the at least first and second parties . 16 . The implementation of claim 15 wherein the implementation for provisioning a public / private key pair comprises and implementation for providing a server - side certificate in accordance with Public Key Infrastructure ( PKI ) . 17 . A computer usable medium [FEATURE ID: 11] having computer readable program code [FEATURE ID: 11] embodied therein for enabling secure communication , the computer readable program code in a computer program product [FEATURE ID: 3] comprising : instructions [FEATURE ID: 6] for communication between at least first and second parties ; instructions for establishing a secure tunnel between the at least first and second parties using an encryption algorithm ; instructions for authenticating between the at least first and second parties over the secured tunnel ; and instructions for provisioning secure credentials between the at least first and second parties . 18 . The computer program product of claim 17 wherein the instructions for communication between the at least first and second parties comprise instructions for a wireless implementation . 19 . The computer program product of claim 17 wherein the encryption algorithm is a symmetric encryption algorithm [FEATURE ID: 15]

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Targeted Patent: Patent: US9679286B2 Filed: 2005-09-20 Issued: 2017-06-13 Patent Holder: (Original Assignee) OHVA Inc     (Current Assignee) OHVA Inc Inventor(s): Vincent Cedric Colnot, Ty Fellers Title: Methods and apparatus for enabling secure network-based transactions	Cross Reference / Shared Meaning between the Lines	Charted Against: Patent: US6879988B2 Filed: 2000-03-09 Issued: 2005-04-12 Patent Holder: (Original Assignee) PKWare     (Current Assignee) PKWare ; PKWare Inc Inventor(s): Yuri Basin, Michael J. Beirne, James C. Peterson, Karen L. Peterson Title: System and method for manipulating and managing computer archive files
[FEATURE ID: 1] apparatus, output interface, output pin	interface, embodiment, assembly, element, architecture, output, extension	[FEATURE ID: 1] email attachment compressor module
[TRANSITIVE ID: 2] comprising, having	providing, includes, incorporating, comprises, containing, featuring, of	[TRANSITIVE ID: 2] comprising, including
[TRANSITIVE ID: 3] configured	provided, located, operable, used, disposed	[TRANSITIVE ID: 3] installed
[FEATURE ID: 4] transaction data, services	data, information, content, instructions, communications, credit, the	[FEATURE ID: 4] attachments
[FEATURE ID: 5] part	function, feature, unit, whole	[FEATURE ID: 5] callable program module
[FEATURE ID: 6] smart telephone, second Internet, financial institution, line merchant	user, network, terminal, server, customer, client, database	[FEATURE ID: 6] computer
[FEATURE ID: 7] instructions	applications, objects, images, software, contents, packages, programs	[FEATURE ID: 7] computer archive files, file management software programs, files, file management application program ', email attachments, emails, parameters
[TRANSITIVE ID: 8] stored, accessible	programmed, configured, installed, provided, carried, downloadable, incorporated	[TRANSITIVE ID: 8] integrated
[FEATURE ID: 9] non-transitory medium, user	library, file, software, browser, module, program, system	[FEATURE ID: 9] are, ZIP format, software utility program library, user interface, file manager software programs, central directory, file manager, shell, email application program, email message edit form
[FEATURE ID: 10] first Internet	user, computer, customer, client	[FEATURE ID: 10] user '
[FEATURE ID: 11] server, processor	computer, application, device, memory, user, program, platform	[FEATURE ID: 11] system, existing, computer memory, email application program '
[FEATURE ID: 12] claim	clair, claim of, figure, item, paragraph, clause, the claim	[FEATURE ID: 12] claim
[FEATURE ID: 13] card verification code	token, signature, password, biometric	[FEATURE ID: 13] digital certificate
1 . An apparatus [FEATURE ID: 1] comprising [TRANSITIVE ID: 2] : a card reader having [TRANSITIVE ID: 2] an input interface configured [TRANSITIVE ID: 3] to accept transaction data [FEATURE ID: 4] from an output interface [FEATURE ID: 1] of a transaction card , and an output pin [FEATURE ID: 1] , as a part [FEATURE ID: 5] of the card reader , configured to directly connect the card reader to a microphone port of a smart telephone [FEATURE ID: 6] , the card reader providing the transaction data accepted from the output interface of the transaction card to the output pin , and hence to the microphone port , as an analog variable voltage audio signal ; and coded instructions [FEATURE ID: 7] stored [TRANSITIVE ID: 8] in a non-transitory medium [FEATURE ID: 9] of a first Internet [FEATURE ID: 10] - connected server [FEATURE ID: 11] , and accessible [FEATURE ID: 8] by a user [FEATURE ID: 9] of the card reader ; wherein the coded instructions , when executed on a processor [FEATURE ID: 11] in the smart telephone , convert the analog variable voltage audio signal received at the microphone port to the transaction data as digital data , establish direct data exchange between the smart telephone and a second Internet [FEATURE ID: 6] - connected server and facilitate transactions by a financial institution [FEATURE ID: 6] , or purchases from an online - merchant , using the transaction data . 2 . The apparatus of claim [FEATURE ID: 12] 1 wherein the coded instructions , when executed on a processor in the smart telephone , retrieve a card verification code [FEATURE ID: 13] ( CVV ) , and use the CVV in purchases or transactions . 3 . A method comprising : accepting transaction data from a transaction card at an input interface of a card reader having an output pin as a part of the card reader , the output pin directly connecting the card reader in a microphone port of a smart telephone ; receiving the transaction data in the smart telephone as an analog variable voltage audio signal from the microphone port of the smart telephone ; converting the analog variable voltage audio signal received at the microphone port to the transaction data as digital data ; establishing direct data exchange with an Internet - connected server providing services [FEATURE ID: 4] to a financial institution or an on - line merchant [FEATURE ID: 6]		1 . A system [FEATURE ID: 11] for managing and manipulating computer archive files [FEATURE ID: 7] that are [TRANSITIVE ID: 9] in a . ZIP format [FEATURE ID: 9] , the system comprising [TRANSITIVE ID: 2] : a software utility program library [FEATURE ID: 9] that integrates as a callable program module [FEATURE ID: 5] into existing [TRANSITIVE ID: 11] file management software programs [FEATURE ID: 7] installed [TRANSITIVE ID: 3] on a computer [FEATURE ID: 6] , the software utility program library including [TRANSITIVE ID: 2] : a user interface [FEATURE ID: 9] integrated [TRANSITIVE ID: 8] into the file manager software programs [FEATURE ID: 9] ' user interface interfacing with a central directory [FEATURE ID: 9] ; a file manager [FEATURE ID: 9] interfacing with archive files and data object files [FEATURE ID: 7] for opening , viewing and modifying archive files and data object files , extracting and adding data to archive files and data object files , and creating new archive files and data object files ; and a compression / extraction engine interfacing with the file manager for compressing , extracting , authenticating , encrypting and decrypting archive files and data object files ; accessing the software utility program library to manage and manipulate archive files stored in computer memory [FEATURE ID: 11] without leaving the file management application program ' [FEATURE ID: 7] s menus toolbars , and / or drag and drop operators . 2 . The system of claim [FEATURE ID: 12] 1 wherein the user interface includes a shell [FEATURE ID: 9] , a graphical user interface and a call level interface . 3 . The system of claim 1 wherein the file manager includes the central directory which stores the archive files . 4 . The system of claim 1 wherein the compression / extraction engine includes compression and extraction algorithms . 5 . The system of claim 1 wherein the user interface , file manager and compression / extraction engine are integrated into the file management software programs . 6 . The system of claim 1 further comprising an email attachment compressor module [FEATURE ID: 1] for automatically compressing email attachments [FEATURE ID: 7] . 7 . The system of claim 6 wherein the email attachment compressor module is implemented within an existing email application program [FEATURE ID: 9] previously installed on the user ' [FEATURE ID: 10] s computer and integrated with the compression / extraction engine . 8 . The system of claim 7 wherein the email attachment compressor module integrates compression into the email application program ' [FEATURE ID: 11] s email message edit form [FEATURE ID: 9] . 9 . The system of claim 7 wherein the email attachment compressor module provides digital certificate [FEATURE ID: 13] based file authentication of attachments [FEATURE ID: 4] as the emails [FEATURE ID: 7] are sent . 10 . The system of claim 7 wherein the email attachment compressor module includes parameters [FEATURE ID: 7]

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Targeted Patent: Patent: US9679286B2 Filed: 2005-09-20 Issued: 2017-06-13 Patent Holder: (Original Assignee) OHVA Inc     (Current Assignee) OHVA Inc Inventor(s): Vincent Cedric Colnot, Ty Fellers Title: Methods and apparatus for enabling secure network-based transactions	Cross Reference / Shared Meaning between the Lines	Charted Against: Patent: US20050039027A1 Filed: 2003-07-25 Issued: 2005-02-17 Patent Holder: (Original Assignee) SECURE BIOMETRIC Corp     (Current Assignee) SECURE BIOMETRIC Corp Inventor(s): Michael Shapiro Title: Universal, biometric, self-authenticating identity computer having multiple communication ports
[FEATURE ID: 1] apparatus, part	unit, system, equipment, port, hardware, whole, module	[FEATURE ID: 1] means, device
[TRANSITIVE ID: 2] comprising, having	including, containing, providing, includes, incorporating, comprises, of	[TRANSITIVE ID: 2] comprising
[FEATURE ID: 3] card reader, transaction card, microphone port, smart telephone, non-transitory medium, first Internet, server, user, processor, second Internet, merchant, line merchant	device, receiver, computer, module, controller, reader, system	[FEATURE ID: 3] portable device, magnetic strip, standard swipe card reader, remote terminal, power supply, biometric sensor, memory, processor, proximity antenna, microphone, keyboard, user, speaker
[FEATURE ID: 4] input interface, accept, analog variable voltage audio signal	input, output, access, interface, antenna, entry, signal	[FEATURE ID: 4] input communication, authentication signal
[FEATURE ID: 5] transaction data, instructions, digital data, direct data exchange, purchases, card verification code	data, signals, transactions, audio, commands, words, sound	[FEATURE ID: 5] limited access accounts, biometric information, biometric profile, messages, audible signals, voice recognition software, individual voice profiles, text, voice responses, information, certification information
[FEATURE ID: 6] output interface	output, emitter, actuator, antenna, outlet	[FEATURE ID: 6] infrared communication port
[FEATURE ID: 7] output pin	output, connection, outlet, interface	[FEATURE ID: 7] output communication
[TRANSITIVE ID: 8] providing	transmitting, sending, communicating, conveying, coupling, generating, passing	[TRANSITIVE ID: 8] receiving, providing, producing
[FEATURE ID: 9] transactions	authorization, purchases, processing, payment	[FEATURE ID: 9] use
[FEATURE ID: 10] financial institution	person, user, cardholder, subscriber	[FEATURE ID: 10] individual '
[FEATURE ID: 11] claim	clair, paragraph, of claim, claims, the claim, item, fig	[FEATURE ID: 11] claim
[FEATURE ID: 12] services	access, resources, service, support, information, input	[FEATURE ID: 12] power
1 . An apparatus [FEATURE ID: 1] comprising [TRANSITIVE ID: 2] : a card reader [FEATURE ID: 3] having [TRANSITIVE ID: 2] an input interface [FEATURE ID: 4] configured to accept [TRANSITIVE ID: 4] transaction data [FEATURE ID: 5] from an output interface [FEATURE ID: 6] of a transaction card [FEATURE ID: 3] , and an output pin [FEATURE ID: 7] , as a part [FEATURE ID: 1] of the card reader , configured to directly connect the card reader to a microphone port [FEATURE ID: 3] of a smart telephone [FEATURE ID: 3] , the card reader providing [TRANSITIVE ID: 8] the transaction data accepted from the output interface of the transaction card to the output pin , and hence to the microphone port , as an analog variable voltage audio signal [FEATURE ID: 4] ; and coded instructions [FEATURE ID: 5] stored in a non-transitory medium [FEATURE ID: 3] of a first Internet [FEATURE ID: 3] - connected server [FEATURE ID: 3] , and accessible by a user [FEATURE ID: 3] of the card reader ; wherein the coded instructions , when executed on a processor [FEATURE ID: 3] in the smart telephone , convert the analog variable voltage audio signal received at the microphone port to the transaction data as digital data [FEATURE ID: 5] , establish direct data exchange [FEATURE ID: 5] between the smart telephone and a second Internet [FEATURE ID: 3] - connected server and facilitate transactions [FEATURE ID: 9] by a financial institution [FEATURE ID: 10] , or purchases [FEATURE ID: 5] from an online - merchant [FEATURE ID: 3] , using the transaction data . 2 . The apparatus of claim [FEATURE ID: 11] 1 wherein the coded instructions , when executed on a processor in the smart telephone , retrieve a card verification code [FEATURE ID: 5] ( CVV ) , and use the CVV in purchases or transactions . 3 . A method comprising : accepting transaction data from a transaction card at an input interface of a card reader having an output pin as a part of the card reader , the output pin directly connecting the card reader in a microphone port of a smart telephone ; receiving the transaction data in the smart telephone as an analog variable voltage audio signal from the microphone port of the smart telephone ; converting the analog variable voltage audio signal received at the microphone port to the transaction data as digital data ; establishing direct data exchange with an Internet - connected server providing services [FEATURE ID: 12] to a financial institution or an on - line merchant [FEATURE ID: 3]		1 . A portable device [FEATURE ID: 3] for authenticating an individual ' [FEATURE ID: 10] s identity and authorizing use [FEATURE ID: 9] of limited access accounts [FEATURE ID: 5] , said portable device comprising [TRANSITIVE ID: 2] : a magnetic strip [FEATURE ID: 3] that is readable by a standard swipe card reader [FEATURE ID: 3] ; input communication [FEATURE ID: 4] means [TRANSITIVE ID: 1] for receiving [TRANSITIVE ID: 8] a request for an authentication signal [FEATURE ID: 4] from a remote terminal [FEATURE ID: 3] ; a power supply [FEATURE ID: 3] for providing [TRANSITIVE ID: 8] power [FEATURE ID: 12] to the device [FEATURE ID: 1] ; a biometric sensor [FEATURE ID: 3] for detecting biometric information [FEATURE ID: 5] and producing [TRANSITIVE ID: 8] a sensed biometric profile [FEATURE ID: 5] in a response to a received request for an authentication signal ; a memory [FEATURE ID: 3] for storing a biometric profile corresponding to an individual ; a processor [FEATURE ID: 3] for comparing the sensed biometric profile with the stored biometric profile and producing an authentication signal ; and output communication [FEATURE ID: 7] means for communicating the authentication signal to the remote terminal . 2 . The portable device of claim [FEATURE ID: 11] 1 wherein the output communication means further comprises an infrared communication port [FEATURE ID: 6] . 3 . The portable device of claim 1 further comprising a proximity antenna [FEATURE ID: 3] for sending messages [FEATURE ID: 5] to , and receiving messages from , another proximity antenna . 4 . The portable device of claim 1 further comprising a microphone [FEATURE ID: 3] for receiving audible signals [FEATURE ID: 5] and voice recognition software [FEATURE ID: 5] for comparing said audible signals and with stored individual voice profiles [FEATURE ID: 5] . 5 . The portable device of claim 1 further comprising a keyboard [FEATURE ID: 3] that allows a user [FEATURE ID: 3] to enter text [FEATURE ID: 5] into the device . 6 . The portable device of claim 1 further comprising a speaker [FEATURE ID: 3] that allows the processor to produce voice responses [FEATURE ID: 5] . 7 . The portable device of claim 1 further comprising magnetic strip writing means that allow the processor to alter information [FEATURE ID: 5] contained on the magnetic strip . 8 . The portable device of claim 1 wherein said memory contains certification information [FEATURE ID: 5]

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Targeted Patent: Patent: US9679286B2 Filed: 2005-09-20 Issued: 2017-06-13 Patent Holder: (Original Assignee) OHVA Inc     (Current Assignee) OHVA Inc Inventor(s): Vincent Cedric Colnot, Ty Fellers Title: Methods and apparatus for enabling secure network-based transactions	Cross Reference / Shared Meaning between the Lines	Charted Against: Patent: US20050038741A1 Filed: 2001-07-10 Issued: 2005-02-17 Patent Holder: (Original Assignee) American Express Travel Related Services Co Inc     (Current Assignee) Liberty Peak Ventures LLC Inventor(s): David Bonalle, Carl Larkin, Peter Saunders Title: Method and system for a travel-related multi-function fob
[TRANSITIVE ID: 1] comprising	including, with, encompassing, providing, compromising, involving, incorporating	[TRANSITIVE ID: 1] comprising
[FEATURE ID: 2] card reader, smart telephone, user, processor	device, system, controller, memory, module, computer, server	[FEATURE ID: 2] transponder, reader, database, second application
[TRANSITIVE ID: 3] having	comprising, includes, of, has, including	[TRANSITIVE ID: 3] comprises
[FEATURE ID: 4] input interface, output interface	element, input, antenna, interface, instance, aperture, enclosure	[FEATURE ID: 4] application
[TRANSITIVE ID: 5] configured, stored, accessible	programmed, provided, disposed, installed, operable, positioned, implemented	[TRANSITIVE ID: 5] configured
[TRANSITIVE ID: 6] accept	process, allow, receive, obtain, provide, request	[TRANSITIVE ID: 6] perform
[FEATURE ID: 7] transaction data	instructions, content, messages, details, records, text, metadata	[FEATURE ID: 7] information, travel related information, data
[FEATURE ID: 8] transaction card	transaction, token, merchant, payment, cardholder	[FEATURE ID: 8] payment account
[TRANSITIVE ID: 9] connect	interconnect, engage, link, contact	[TRANSITIVE ID: 9] communicate
[TRANSITIVE ID: 10] providing	transmitting, processing, presenting, transferring, communicating	[TRANSITIVE ID: 10] storing
[FEATURE ID: 11] instructions	data, images, information, means, items	[FEATURE ID: 11] indicia
[FEATURE ID: 12] non-transitory medium, first Internet, second Internet	database, record, user, server, website, first, file	[FEATURE ID: 12] store, transponder user ID application, common file structure, partner file structure, field
[FEATURE ID: 13] server	entity, location, user, individual, application, party, account	[FEATURE ID: 13] organization, identity
[FEATURE ID: 14] transactions, merchant	business, commerce, service, trading, transact, sale, payment	[FEATURE ID: 14] transaction
[FEATURE ID: 15] financial institution	merchant, person, transponder, user, customer, recipient, transaction	[FEATURE ID: 15] payment system application, transponder user
[FEATURE ID: 16] claim	clair, statement, figure, item, embodiment, paragraph, clause	[FEATURE ID: 16] claim
[FEATURE ID: 17] card verification code	code, signature, password, pin	[FEATURE ID: 17] name
[FEATURE ID: 18] services	authorization, information, entry, identity, content, support, data	[FEATURE ID: 18] write access, account number
1 . An apparatus comprising [TRANSITIVE ID: 1] : a card reader [FEATURE ID: 2] having [TRANSITIVE ID: 3] an input interface [FEATURE ID: 4] configured [TRANSITIVE ID: 5] to accept [TRANSITIVE ID: 6] transaction data [FEATURE ID: 7] from an output interface [FEATURE ID: 4] of a transaction card [FEATURE ID: 8] , and an output pin , as a part of the card reader , configured to directly connect [TRANSITIVE ID: 9] the card reader to a microphone port of a smart telephone [FEATURE ID: 2] , the card reader providing [TRANSITIVE ID: 10] the transaction data accepted from the output interface of the transaction card to the output pin , and hence to the microphone port , as an analog variable voltage audio signal ; and coded instructions [FEATURE ID: 11] stored [TRANSITIVE ID: 5] in a non-transitory medium [FEATURE ID: 12] of a first Internet [FEATURE ID: 12] - connected server [FEATURE ID: 13] , and accessible [FEATURE ID: 5] by a user [FEATURE ID: 2] of the card reader ; wherein the coded instructions , when executed on a processor [FEATURE ID: 2] in the smart telephone , convert the analog variable voltage audio signal received at the microphone port to the transaction data as digital data , establish direct data exchange between the smart telephone and a second Internet [FEATURE ID: 12] - connected server and facilitate transactions [FEATURE ID: 14] by a financial institution [FEATURE ID: 15] , or purchases from an online - merchant [FEATURE ID: 14] , using the transaction data . 2 . The apparatus of claim [FEATURE ID: 16] 1 wherein the coded instructions , when executed on a processor in the smart telephone , retrieve a card verification code [FEATURE ID: 17] ( CVV ) , and use the CVV in purchases or transactions . 3 . A method comprising : accepting transaction data from a transaction card at an input interface of a card reader having an output pin as a part of the card reader , the output pin directly connecting the card reader in a microphone port of a smart telephone ; receiving the transaction data in the smart telephone as an analog variable voltage audio signal from the microphone port of the smart telephone ; converting the analog variable voltage audio signal received at the microphone port to the transaction data as digital data ; establishing direct data exchange with an Internet - connected server providing services [FEATURE ID: 18]		1 . A transponder [FEATURE ID: 2] configured [TRANSITIVE ID: 5] to communicate [TRANSITIVE ID: 9] with a transponder - reader [FEATURE ID: 2] to perform [TRANSITIVE ID: 6] a transaction [FEATURE ID: 14] , said transponder comprising [TRANSITIVE ID: 1] : a database [FEATURE ID: 2] configured to store [TRANSITIVE ID: 12] travel - related information [FEATURE ID: 7] , wherein said travel - related information comprises [TRANSITIVE ID: 3] : a transponder user ID application [FEATURE ID: 12] ; and at least one second application [FEATURE ID: 2] for storing [TRANSITIVE ID: 10] travel related information [FEATURE ID: 7] , said second application comprising a common file structure [FEATURE ID: 12] and at least one partner file structure [FEATURE ID: 12] . 2 . A transponder in accordance with claim [FEATURE ID: 16] 1 , wherein said second application comprises at least one of a payment system application [FEATURE ID: 15] , an airline application , a hotel application , a rental car application , an activity application , a transportation application and a restaurant application . 3 . A transponder configured to communicate with a transponder - reader to perform a transaction , said transponder comprising : a database configured to store travel - related information and configured to communicate with said transponder - reader ; wherein said travel - related information comprises : a transponder user ID application and a second application , said second application being configured to store travel - related information associated with a transponder user [FEATURE ID: 15] ; and said second application comprising a common file structure and a partner file structure , wherein said partner file structure provides write access [FEATURE ID: 18] to a field [FEATURE ID: 12] within said partner file structure for a first partnering organization [FEATURE ID: 13] and denies write access to said field for a second partnering organization , and said common file structure provides write access for both said first and second partners to at least one field in said common file structure . 4 . A transponder in accordance with claim 3 , wherein said second application comprises at least one of a payment system application , an airline application , a hotel application , a rental car application , an activity application , a transportation application and a restaurant application . 5 . The transponder of claim 3 , wherein said second application comprises a payment system application , and wherein said payment system application is configured to store an account number [FEATURE ID: 18] and an expiration date associated with a payment account [FEATURE ID: 8] . 6 . The transponder of claim 3 , wherein said second application comprises an airline application , and wherein said airline application is configured to store an electronic ticket . 7 . The transponder of claim 3 , wherein said second application comprises a hotel application , and wherein said hotel application is configured to store data [FEATURE ID: 7] associated with a hotel reservation . 8 . The transponder of claim 3 , wherein said second application comprises a rental car application , and wherein said rental car application is configured to store data associated with a car preference . 9 . The transponder of claim 3 , wherein said transponder user ID application comprises an application [FEATURE ID: 4] configured to store indicia [FEATURE ID: 11] of said transponder user ' s identity [FEATURE ID: 13] , and wherein said indicia of said transponder user ' s identity includes a name [FEATURE ID: 17]

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