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11.发明申请APPARATUS AND METHOD FOR USING A DEVICE CONFORMING TO A PAYMENT STANDARD FOR ACCESS CONTROL AND/OR SECURE DATA STORAGE 审中-公开使用符合支付标准的设备进行访问控制和/或安全数据存储的装置和方法公开(公告)号：US20090103730A1
公开(公告)日：2009-04-23
申请号：US11875026
申请日：2007-10-19
申请人： Michael C. Ward , Patrik Smets , David A. Roberts , Duncan Garrett , John Beric , Stuart Miller
发明人： Michael C. Ward , Patrik Smets , David A. Roberts , Duncan Garrett , John Beric , Stuart Miller
CPC分类号： G06Q20/3829 , G06Q20/02 , G06Q20/341 , G06Q20/40975 , G07B15/00 , G07F7/10 , G07F7/1008
摘要： Secure establishment of a key associated with a first facility identifier is facilitated. The key is shared between a device and an operator of a first facility, via a public key management infrastructure of a payment system operating according to the payment standard, during a first transaction, substantially in accordance with the payment standard, between the device and the first facility. Controlling access to a first facility is facilitated, via the device, using the key associated with the first facility identifier, substantially without reference to an issuer of the device and substantially without use of asymmetric keys of the device, during a plurality of subsequent transactions, substantially in accordance with the payment standard, between the device and the first facility. The steps can be repeated for a number of different facilities, such as different transit systems, with appropriate rules to address a situation where the device has a limited storage capacity for keys of different transit operators.
摘要翻译： 与第一设施标识符相关联的密钥的安全建立便利。 通过基本上按照支付标准操作的支付系统的公共密钥管理基础设施，第一设施的设备和操作者之间的密钥在基本上按照支付标准在第一交易期间在设备和 第一个设施。 在多个后续交易期间，基本上不参照设备的发行者并且基本上不使用设备的非对称密钥，通过该设备便于使用与第一设施标识符相关联的密钥来控制对第一设施的访问， 基本上按照支付标准，在设备和第一设施之间。 可以针对多个不同的设施（例如不同的运输系统）重复这些步骤，具有适当的规则以解决设备对于不同运输运营商的密钥的存储容量有限的情况。
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12.发明申请APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ENCODING ENHANCED ISSUER INFORMATION IN A CARD 有权用于编码卡中增强的发行人信息的装置，方法和计算机程序产品公开(公告)号：US20100325039A1
公开(公告)日：2010-12-23
申请号：US12769383
申请日：2010-04-28
申请人： Cristian Radu , Patrick Mestré , Duncan Garrett
发明人： Cristian Radu , Patrick Mestré , Duncan Garrett
IPC分类号： G06Q20/00 , G06K19/073
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/18 , G06Q20/38 , G06Q20/382 , G07F7/1008 , G07F7/12
摘要： Facilitating communications between an electronic payment device and an issuer host includes storing in the payment device a set of personalization parameters. A first set of status information indicative of available status information relating to the payment device is transformed into a second set of status information based on the set of personalization parameters, and/or a second set of actions is selected from a first set of actions indicative of available actions to be performed by the payment device based on the set of personalization parameters and an order received from the issuer for initiating at least one corresponding action in the payment device. The second set of status information includes a subset of the first set of status information; the second set of actions includes a subset of the first set of actions. The payment device transmits the second set of status information to the issuer and/or initiates the actions in the second set of actions corresponding to the order received from the issuer.
摘要翻译： 促进电子支付设备和发行者主机之间的通信包括在支付设备中存储一组个性化参数。 指示与支付设备相关的可用状态信息的第一组状态信息基于个性化参数集合被变换为第二组状态信息，和/或第二组动作从第一组动作中选择 基于一组个性化参数以及从发行者接收到的用于发起支付设备中的至少一个相应动作的订单，由支付设备执行的可用动作。 第二组状态信息包括第一组状态信息的子集; 第二组动作包括第一组动作的子集。 支付设备向发行者发送第二组状态信息和/或发起与从发行者接收到的订单相对应的第二组动作中的动作。
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13.发明授权Collision detection and avoidance scheme for contactless card payment systems 有权非接触式卡支付系统的碰撞检测和避免方案公开(公告)号：US07717346B2
公开(公告)日：2010-05-18
申请号：US11182355
申请日：2005-07-15
IPC分类号： G06K7/00
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： An electronic payment system for conducting transactions by presenting a contactless payment card to a card reader. The card reader processes transactions when only one card is present in its operating field. The card reader uses collision detection and avoidance algorithms to detect and report instances where multiple cards are present in the operating field. In response to a reported collision, the collision may be cleared by manual intervention, i.e., by physically removing excess cards from the reader's operating field.
摘要翻译： 一种用于通过向读卡器呈现非接触式支付卡进行交易的电子支付系统。 读卡器在其操作区域中只有一张卡片时处理交易。 读卡器使用碰撞检测和避免算法来检测和报告操作区域中存在多张卡的情况。 响应于所报告的碰撞，可以通过手动干预来清除冲突，即通过从读取器的操作区域物理移除多余的卡。
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14.发明授权公开(公告)号：US07424977B2
公开(公告)日：2008-09-16
申请号：US11182354
申请日：2005-07-15
IPC分类号： G06K7/00
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： A system and method for enhancing functional interoperability of contactless payment devices that are used for conducting electronic payment transactions between consumers and merchants. The contactless payment devices include RFID-embedded cards issued to consumers and proximity coupling devices such as RFID-enabled readers deployed by merchants. The system and method involve use of a reference card and a reference reader to establish acceptable specifications for issued cards and deployed readers, respectively. The reference card and reference reader are cross-calibrated to link the operational specifications for the cards and the readers. A suitable selection of overlapping specification ranges or tolerances for proper card and reader functions, the enhances the interoperability of the issued cards with a deployed reader, and also the interoperability of deployed readers with an issued card.
摘要翻译： 一种用于增强用于在消费者和商家之间进行电子支付交易的非接触支付设备的功能性互操作性的系统和方法。 非接触式支付设备包括向消费者发放的RFID嵌入式卡，以及由商家部署的诸如支持RFID的读取器等接近耦合设备。 该系统和方法涉及使用参考卡和参考读取器来分别为已发行的卡和部署的读取器建立可接受的规范。 参考卡和参考读取器被交叉校准，以链接卡和读取器的操作规范。 适当选择适当的卡和读卡器功能的重叠规范范围或公差，增强已发布卡与部署读卡器的互操作性，以及部署的读卡器与已发卡的互操作性。
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15.发明申请公开(公告)号：US20060027655A1
公开(公告)日：2006-02-09
申请号：US11182354
申请日：2005-07-15
申请人： Patrick Smets , Eddy Van De Velde , Duncan Garrett
发明人： Patrick Smets , Eddy Van De Velde , Duncan Garrett
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： A system and method for enhancing functional interoperability of contactless payment devices that are used for conducting electronic payment transactions between consumers and merchants. The contactless payment devices include RFID-embedded cards issued to consumers and proximity coupling devices such as RFID-enabled readers deployed by merchants. The system and method involve use of a reference card and a reference reader to establish acceptable specifications for issued cards and deployed readers, respectively. The reference card and reference reader are cross-calibrated to link the operational specifications for the cards and the readers. A suitable selection of overlapping specification ranges or tolerances for proper card and reader functions, the enhances the interoperability of the issued cards with a deployed reader, and also the interoperability of deployed readers with an issued card.
摘要翻译： 一种用于增强用于在消费者和商家之间进行电子支付交易的非接触支付设备的功能性互操作性的系统和方法。 非接触式支付设备包括向消费者发放的RFID嵌入式卡，以及由商家部署的诸如支持RFID的读取器等接近耦合设备。 该系统和方法涉及使用参考卡和参考读取器来分别为已发行的卡和部署的读取器建立可接受的规范。 参考卡和参考读取器被交叉校准，以链接卡和读取器的操作规范。 适当选择适当的卡和读卡器功能的重叠规范范围或公差，增强已发布卡与部署读卡器的互操作性，以及部署的读卡器与已发卡的互操作性。
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公开(公告)号：US20060022044A1
公开(公告)日：2006-02-02
申请号：US11182357
申请日：2005-07-15
申请人： Patrick Smets , Eddy Van De Velde , Duncan Garrett
发明人： Patrick Smets , Eddy Van De Velde , Duncan Garrett
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment is designed to simulate the external behavior of a variety of payment devices that are currently or expected to be deployed in electronic payment systems. Further, the reference equipment is configured to subject devices under test to extreme behaviors which are expected in field use or which are representative of a large class of payment devices. The external behaviors may relate to functional parameters, for example, power consumption, resonance frequency, Q-factor, modulation depth, noise, and timing. Exemplary reference devices are configured to exhibit representative external behavior, which is an empirically determined average behavior of the product devices in the field. Use of the reference equipment for product specification compliance testing will enhance the interoperability of product payment devices.
摘要翻译： 提供包括参考卡和参考读取器的参考设备用于测试卡和读卡器等电子支付设备。 参考设备旨在模拟目前或预期部署在电子支付系统中的各种支付设备的外部行为。 此外，参考设备被配置为使被测设备受到现场使用期望的或者代表大类支付设备的极端行为。 外部行为可能与功能参数有关，例如功耗，谐振频率，Q因子，调制深度，噪声和时序。 示例性参考装置被配置为表现出代表性的外部行为，其是本领域中产品装置的经验确定的平均行为。 使用参考设备进行产品规格一致性测试将增强产品支付设备的互操作性。
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公开(公告)号：US07431217B2
公开(公告)日：2008-10-07
申请号：US11182357
申请日：2005-07-15
IPC分类号： G06K19/05
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment is designed to simulate the external behavior of a variety of payment devices that are currently or expected to be deployed in electronic payment systems. Further, the reference equipment is configured to subject devices under test to extreme behaviors which are expected in field use or which are representative of a large class of payment devices. The external behaviors may relate to functional parameters, for example, power consumption, resonance frequency, Q-factor, modulation depth, noise, and timing. Exemplary reference devices are configured to exhibit representative external behavior, which is an empirically determined average behavior of the product devices in the field. Use of the reference equipment for product specification compliance testing will enhance the interoperability of product payment devices.
摘要翻译： 提供包括参考卡和参考读取器的参考设备用于测试卡和读卡器等电子支付设备。 参考设备旨在模拟目前或预期部署在电子支付系统中的各种支付设备的外部行为。 此外，参考设备被配置为使被测设备受到现场使用期望的或者代表大类支付设备的极端行为。 外部行为可能与功能参数有关，例如功耗，谐振频率，Q因子，调制深度，噪声和时序。 示例性参考装置被配置为表现出代表性的外部行为，其是本领域中产品装置的经验确定的平均行为。 使用参考设备进行产品规格一致性测试将增强产品支付设备的互操作性。
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公开(公告)号：US07422157B2
公开(公告)日：2008-09-09
申请号：US11182358
申请日：2005-07-15
IPC分类号： G06K7/00
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： A reference reader is provided for testing contactless electronic payment cards whose data transmissions are via weak load modulated RF carrier signals. The reference reader includes a reader antenna and a coupled common mode rejection circuit. The common mode rejection circuit is configured to demodulate carrier signals received at the reader antenna to retrieve payment card data signals having low modulation indices.
摘要翻译： 提供了一种用于测试非接触电子支付卡的参考读取器，其数据传输通过弱负载调制的RF载波信号。 参考读取器包括读取器天线和耦合的共模抑制电路。 共模抑制电路被配置为解调在读取器天线处接收到的载波信号，以检索具有低调制指数的支付卡数据信号。
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19.发明授权公开(公告)号：US09454865B2
公开(公告)日：2016-09-27
申请号：US12537084
申请日：2009-08-06
CPC分类号： G06Q20/352 , G06Q20/105 , G06Q20/349 , G06Q20/3672 , G06Q20/4012 , G06Q20/409 , G07F7/08
摘要： Embodiments allow loading and reloading contactless payment devices using only a contactless terminal interface, while providing user authentication. The contactless terminal interface could be at a merchant POS location, kiosk, or embedded or attached to a personal computing device with contactless read/write capability such as a personal computer or mobile phone or Internet device.
摘要翻译： 实施例允许仅使用非接触式终端接口加载和重新加载非接触式支付设备，同时提供用户认证。 非接触终端接口可以在商户POS位置，信息亭处，或嵌入或附加到具有非接触式读/写能力的个人计算设备，例如个人计算机或移动电话或因特网设备。
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20.发明申请公开(公告)号：US20100318315A1
公开(公告)日：2010-12-16
申请号：US12668179
申请日：2008-07-07
IPC分类号： G01M19/00
CPC分类号： G06K7/0008 , G06K7/0095 , G06K7/10465
摘要： A system and method for testing and calibrating electronic contactless payment devices including reference payment cards and readers. The contactless payment devices transmit data by load modulating a subcarrier of an RF carrier signal. The system and method involve use of a common mode rejection (CMR) circuit to demodulate a received load-modulated data signal and to extract the data signal. The CMR circuit also generates a synchronous clock signal, a sample & hold signal and a sample & hold clock signal. Further, the input signal is feed to a zero-crossing detector and digital delay which in combination with an Analog-to-Digital Converter circuit is used to recreate the load (i.e. modulating) signal and to eliminate the large carrier portion of the selected input signal.
摘要翻译： 一种用于测试和校准电子非接触支付设备的系统和方法，包括参考支付卡和读卡器。 非接触支付设备通过负载调制RF载波信号的子载波来发送数据。 该系统和方法涉及使用共模抑制（CMR）电路来解调所接收的负载调制数据信号并提取数据信号。 CMR电路还产生同步时钟信号，采样保持信号和采样和保持时钟信号。 此外，输入信号被馈送到过零检测器和数字延迟，其与模数转换器电路结合用于重建负载（即，调制）信号并消除所选输入的大载波部分 信号。
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