公开(公告)号：US20190197507A1

公开(公告)日：2019-06-27

申请号：US16288808

申请日：2019-02-28

Applicant: International Business Machines Corporation

Inventor： Timothy C. Buchholtz ,  Morgan D. Davis ,  Daniel Ramirez ,  Michael J. Rohn

IPC: G06Q20/20 ,  G06Q20/42 ,  G06Q20/38 ,  G06Q20/34 ,  G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/204 ,  G06Q20/202 ,  G06Q20/3227 ,  G06Q20/325 ,  G06Q20/3274 ,  G06Q20/3278 ,  G06Q20/34 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q20/40145 ,  G06Q20/425

Abstract: Authentication for payment transaction includes receiving, by a point-of-sale (POS) terminal, an indication that a payment account of a cardholder is associated with a mobile device and receiving a second indication of physical possession of a payment card by a merchant. The authentication includes receiving a purchase request for an authorization of exchange from the payment account of the cardholder to the merchant and assigning a transaction identifier to the request for the authorization of the exchange. The authentication includes transmitting the request for authorization of the exchange from the cardholder payment account to the merchant and the transaction identifier. The authentication includes receiving an indication that an authentication identifier is associated with the transaction identifier. The authentication includes receiving a copy of the authentication identifier, facilitated by the cardholder. The authentication includes receiving validation that the copy of the authentication identifier matches the authentication identifier.

公开(公告)号：US20190197504A1

公开(公告)日：2019-06-27

申请号：US15853398

申请日：2017-12-22

Applicant: Edmar Soriano ,  Wesley Marangu ,  Peter Rhee

Inventor： Edmar Soriano ,  Wesley Marangu ,  Peter Rhee

IPC: G06Q20/10 ,  G06Q20/34 ,  G06Q20/20

CPC classification number: G06Q20/105 ,  G06Q20/204 ,  G06Q20/3433

Abstract: A service uses a system of servers and specialized interfaces to facilitate transfer of value from a gift card to an open loop card of a user. The service may support user-facing interfaces that interact with customers. The service may also support an API-based interface with a gift card processor to obtain gift card value, effect the value transfer, and confirm that the gift card value has been depleted. The service may also include a programmatic interface to various transaction processor services such as associating the transferred value with a personal account number of the user, a merchant associated with the original gift card, transaction monitoring, and messaging services that provide status information to the user.

公开(公告)号：US20190188705A1

公开(公告)日：2019-06-20

申请号：US15724249

申请日：2017-10-03

Applicant: The Toronto-Dominion Bank

Inventor： Jeffrey Aaron Ecker ,  Bryan Michael Gleeson ,  Igor Elkhinovich ,  Dmitri Rabinovich ,  Adam Douglas McPhee ,  Matta Wakim ,  Kyryll Odobetskiy ,  Arun Victor Jagga ,  John Jong-Suk Lee ,  Rakesh Thomas Jethwa

IPC: G06Q20/40 ,  G06F16/903 ,  G06Q20/20

CPC classification number: G06Q20/40 ,  G06F16/90335 ,  G06Q20/204

Abstract: A point-of-sale terminal includes a card interface, and is configured to receive a plurality of pre-authorization requests, each comprising an authorization and further comprising an account number received from the card interface. The terminal is further configured, in response to each said pre-authorization request, to locate in a pre-authorization database a database record associated with the respective account number, confirm that the respective authorization amount is not greater than an offline authorization threshold, generate an authorization confirmation message comprising the respective account number and the respective authorization amount, and save the authorization confirmation message in a clearing database. The terminal is further configured to generate a clearing payload comprising the plurality of saved authorization confirmation messages, and transmit the clearing payload over a computer network.

公开(公告)号：US20190188672A1

公开(公告)日：2019-06-20

申请号：US15847265

申请日：2017-12-19

Applicant: American Express Travel Related Services Company, Inc.

Inventor： Kinderley Charles ,  Manish Kumar Das ,  Venkata Rama Rao Inuganti ,  Prasad Prakash Kanvinde ,  Phillip Salvant ,  Marami Sen ,  Christopher Paul Sheridan

IPC: G06Q20/20 ,  G07G1/14 ,  G06Q20/36 ,  H04W4/021

CPC classification number: G06Q20/204 ,  G06Q20/36 ,  G07G1/14 ,  H04W4/021

Abstract: A merchant registers a geolocation for a virtual point of sale. A consumer points a consumer device at the geolocation, and an icon representing the virtual point of sale is displayed on the consumer device in augmented reality. The consumer selects the icon to initiate a transaction with a digital wallet on the consumer device.

公开(公告)号：US20190188660A1

公开(公告)日：2019-06-20

申请号：US16194752

申请日：2018-11-19

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Gaurav K. Patni ,  Ketan Shrikant Joshi

IPC: G06Q20/10 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/20

CPC classification number: G06Q20/102 ,  G06Q20/204 ,  G06Q20/3223 ,  G06Q20/387

Abstract: According to the first aspect, there is provided a payment apparatus for enabling a payer device for effecting a transaction, the payer device operationally communicable with the apparatus, the payment apparatus comprising: at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus at least to: receive, from the payer device, a request to remotely access the transaction, the request including user information verifying the user; enable the payer device to remotely control the transaction in response to receiving the request; receive account information that is remotely input via the payer device, the account information relating to an account to be used for the transaction.

公开(公告)号：US20190172036A1

公开(公告)日：2019-06-06

申请号：US16271695

申请日：2019-02-08

Applicant: Poynt Co.

Inventor： Osama Bedier ,  Ray Tanaka ,  Robert Hernandez

IPC: G06Q20/20 ,  G06Q20/04 ,  G06K7/00 ,  G07G1/00 ,  G07G1/01 ,  G06Q20/08 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/10

CPC classification number: G06Q20/204 ,  G06F3/041 ,  G06F3/1423 ,  G06K7/0004 ,  G06Q20/0453 ,  G06Q20/085 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/20 ,  G06Q20/209 ,  G06Q20/382 ,  G06Q20/401 ,  G06Q20/4016 ,  G07G1/0009 ,  G07G1/0018 ,  G07G1/01

Abstract: A payment terminal, including: a display, an input device configured to generate input signals indicative of a user input, a payment instrument reader configured to receive payment instrument data from a financial payment instrument, a secure processor connected to the payment instrument reader, a main processor connected to the display, the main processor separate and distinct from the secure processor, a secure input processor connected to the input device and the secure processor, wherein the secure processor is operable between an unsecured mode, wherein the secure processor sends input coordinates based on the input signals received from the secure input processor to the main processor; and a secured mode, wherein the secure input processor ceases input coordinate forwarding to the main processor.

公开(公告)号：US20190171920A1

公开(公告)日：2019-06-06

申请号：US16092705

申请日：2017-05-10

Applicant: Samsung Electronics Co.Ltd.

Inventor： Junsig KUM ,  Nikolay OLYUNIN ,  Youngju LEE ,  Jungyub LEE ,  Dohyuk HA

IPC: G06K19/06 ,  G06K7/08 ,  G06F21/31

CPC classification number: G06K19/06206 ,  G06F21/31 ,  G06K7/087 ,  G06Q20/204 ,  G06Q20/3278 ,  G07F7/086 ,  G07F7/0893 ,  H04B5/00 ,  H04B5/0031 ,  H04B5/0075 ,  H04B5/0081

Abstract: The present invention relates to a device for transmitting data and, particularly, to a device for transmitting data by using a magnetic stripe method. According to one embodiment of the present invention, the magnetic stripe data transmission device comprises: a coil to which a current is supplied in a first direction and a second direction, which is opposite to the first direction; a core for inducing a magnetic field when the current is supplied to the coil; a power source for supplying the current to the coil; driving units for intermittently supplying, to the coil, in the first direction or the second direction, a burst pulse or pseudo-burst pulse current supplied from the power source; and a control unit for outputting, to the driving units, a control signal in order to perform control such that the current is supplied to the coil alternately in the first direction and the second direction, wherein the core can be made of a material having an aspect ratio value of at least 0.5, having a coercivity value of 1000-10,000 [A/m], and having pseudo-hard magnetic density of which the saturated magnetic flux density value is at least 1 [T].

公开(公告)号：US20190114520A1

公开(公告)日：2019-04-18

申请号：US16218733

申请日：2018-12-13

Applicant: Tyfone, Inc.

Inventor： Siva G. Narendra ,  Thomas N. Spitzer ,  Prabhakar Tadepalli

IPC: G06K19/06 ,  G06K7/00 ,  H04M1/725 ,  G06K19/07 ,  G06Q20/20 ,  G06Q20/34 ,  G06K19/077 ,  G06K19/073 ,  G06Q20/32

CPC classification number: G06K19/06206 ,  G06K7/0008 ,  G06K19/06187 ,  G06K19/07 ,  G06K19/0703 ,  G06K19/0723 ,  G06K19/0727 ,  G06K19/073 ,  G06K19/07741 ,  G06K19/07758 ,  G06K19/07762 ,  G06Q20/204 ,  G06Q20/327 ,  G06Q20/341 ,  G06Q20/353 ,  H04M1/7253

Abstract: An electronic transaction card communicates with an add-on slot of an intelligent electronic device. The add-on slot may be a memory card slot. The intelligent electronic device may be a mobile phone or other device with or without network connectivity. The electronic transaction card may have magnetic field producing circuitry compatible with magnetic card readers, smartcard circuitry, other point-of-sale interfaces, or any combination thereof.

公开(公告)号：US20190073653A1

公开(公告)日：2019-03-07

申请号：US15698462

申请日：2017-09-07

Applicant: Clover Network, Inc.

Inventor： Ketan Patwardhan ,  Narayanan Gopalakrishnan ,  Victor Pan ,  James Castillo

IPC: G06Q20/20 ,  G06Q20/32 ,  G06Q20/38 ,  G06K7/10

CPC classification number: G06Q20/208 ,  G06K7/10297 ,  G06Q20/204 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/3567 ,  G06Q20/38215 ,  G06Q20/3829 ,  G07F7/088 ,  G07F7/0893 ,  G07G1/0009 ,  H04B5/00

Abstract: Methods and systems related to near field communication (NFC) front ends for point of sale terminals are disclosed. One point of sale system includes an NFC front end communicatively coupled to an antenna, a discrete microcontroller (DM) communicatively coupled thereto, and an applications microprocessor (AP) communicatively coupled to the DM. The DM stores a first software stack for a first NFC protocol, a second software stack for a second NFC protocol, and instructions to process a digitized NFC signal from the NFC front end with the first software stack. The AP stores instructions to instantiate an operating system for the point of sale system, instantiate a master NFC service, and transmit a remote procedure call from the master NFC service to the DM to switch between the first software stack and the second software stack.

公开(公告)号：US20180349907A1

公开(公告)日：2018-12-06

申请号：US16101195

申请日：2018-08-10

Applicant: Phil Dixon ,  Ayman Hammad ,  Khalid El-Awady

Inventor： Phil Dixon ,  Ayman Hammad ,  Khalid El-Awady

IPC: G06Q20/40 ,  G06Q20/02 ,  G06Q20/38 ,  G06Q20/34 ,  G06Q20/32 ,  G06Q20/20 ,  G06Q20/08 ,  G06Q20/04

CPC classification number: G06Q20/4016 ,  G06Q20/027 ,  G06Q20/04 ,  G06Q20/085 ,  G06Q20/0855 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q20/327 ,  G06Q20/341 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/40 ,  G06Q20/401 ,  G07B15/00

Abstract: At each of a plurality of point of sale terminals (PCS) of a merchant for each of a plurality of consumers, where each consumer seeks to conduct a transaction with the merchant for a good or service at a cost by using a payment device issued by an issuer in a payment system, data is read from a payment device. The data can include an identifier for an account issued by an issuer, information is stored for each transaction and the consumer is permitted to receive the good or service from the merchant. After the consumer has received the good or service, a batch of the transaction are processed to derive there from the respective costs that are assessable to the respective accounts, where the merchant can be a transit system, the consumer a rider thereon, end the transaction can be access to a facility thereof.