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    Apparatus, method, and computer program product for recovering torn smart payment device transactions
    81.
    发明授权
    Apparatus, method, and computer program product for recovering torn smart payment device transactions 有权
    用于恢复破损的智能支付设备交易的装置，方法和计算机程序产品

    公开(公告)号：US08370258B2

    公开(公告)日：2013-02-05

    申请号：US12769245

    申请日：2010-04-28

    申请人： David A. Roberts ,  Duncan Garrett ,  Eddy L. H. Van de Velde

    发明人： David A. Roberts ,  Duncan Garrett ,  Eddy L. H. Van de Velde

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/40 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q20/38 ,  G06Q20/382 ,  G07F7/1008 ,  G07F7/12

    摘要： A first command is sent from a payment terminal assembly to a payment device with an on-device balance to compute a cryptogram to complete a putative transaction. It is detected that the cryptogram is not received as expected. In response, an identifier of the payment device and transaction recovery data associated with the putative transaction are stored in a storage area of a terminal memory of the payment terminal assembly. The payment terminal assembly obtains the identifier of the payment device, upon re-presentation of the payment device. Upon such re-presentation, the payment terminal assembly compares the obtained identifier of the payment device to contents of the storage area. Conditioned at least upon the comparing yielding a match, a second command is sent from the payment terminal assembly to the payment device to instruct the payment device to re-produce the cryptogram to complete the putative transaction.

    摘要翻译： 第一命令从支付终端组件发送到具有设备上余额的支付设备，以计算密码以完成推定的交易。 检测到没有按预期方式收到密码。 作为响应，将与推定交易相关联的支付设备和交易恢复数据的标识符存储在支付终端组件的终端存储器的存储区域中。 支付终端组件在重新呈现支付设备时获得支付设备的标识符。 在这种重新呈现时，支付终端组件将获得的支付设备的标识符与存储区域的内容进行比较。 至少在进行比较的条件下产生匹配时，第二命令从支付终端组件发送到支付设备，以指示支付设备重新产生密码以完成推定的交易。

    PROXIMITY PAYMENT DEVICE WITH ACTIVE SWITCH
    82.
    发明申请
    PROXIMITY PAYMENT DEVICE WITH ACTIVE SWITCH 有权
    带有开关的接近付款设备

    公开(公告)号：US20120160921A1

    公开(公告)日：2012-06-28

    申请号：US12979514

    申请日：2010-12-28

    申请人： Colin Tanner ,  Duncan Garrett ,  David A. Roberts

    发明人： Colin Tanner ,  Duncan Garrett ,  David A. Roberts

    IPC分类号： G06K19/073 ,  G06K19/077

    CPC分类号： G06K19/07779 ,  G06K19/07345 ,  Y10T29/4913

    摘要： An identification token includes a body and an RFID IC embedded in the body. An antenna is also embedded in the body and is coupled to the RFID IC. A control integrated circuit (CIC) is embedded in the body and coupled to the antenna. A sensor is embedded in the body and is coupled to the CIC. The sensor is actuatable by a user of the identification token.

    摘要翻译： 识别令牌包括主体和嵌入在身体中的RFID IC。 天线也嵌入在主体中并耦合到RFID IC。 控制集成电路（CIC）嵌入在主体中并耦合到天线。 一个传感器被嵌入在主体中并与CIC耦合。 传感器可由识别令牌的用户启动。

    APPARATUS AND METHOD FOR INTEGRATED PAYMENT AND ELECTRONIC MERCHANDISE TRANSFER
    83.
    发明申请
    APPARATUS AND METHOD FOR INTEGRATED PAYMENT AND ELECTRONIC MERCHANDISE TRANSFER 有权
    集成付款和电子商品转让的装置和方法

    公开(公告)号：US20100252624A1

    公开(公告)日：2010-10-07

    申请号：US12701998

    申请日：2010-02-08

    申请人： Eddy L. H. Van de Velde ,  David A. Roberts ,  Patrik Smets ,  Duncan Garrett ,  Jean-Paul Rans

    发明人： Eddy L. H. Van de Velde ,  David A. Roberts ,  Patrik Smets ,  Duncan Garrett ,  Jean-Paul Rans

    IPC分类号： G06K5/00 ,  G06Q40/00

    CPC分类号： G06Q20/045 ,  G06Q20/18 ,  G06Q20/3827 ,  G06Q20/401 ,  G06Q20/409 ,  G06Q2240/00

    摘要： Interrogation of an electronic device by a first terminal is facilitated, to obtain an account number associated with the electronic device. The electronic device is configured according to a payment specification. The first terminal has a first terminal payment module configured according to the payment specification and a first terminal electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to the first terminal payment module to permit transfer of non-payment e-merchandise related information from the first terminal electronic merchandise module to the first terminal payment module. The interrogation of the electronic device is performed by the first terminal payment module. Generation of non-payment e-merchandise related information by the first terminal electronic merchandise module is facilitated. Transfer of the non-payment e-merchandise related information from the first terminal electronic merchandise module to the electronic device via the first terminal payment module, within a transaction between the electronic device and the first terminal payment module that is conducted in accordance with the payment specification, is also facilitated. The non-payment e-merchandise related information is stored on the electronic device in accordance with the payment specification. The electronic device and the first terminal independently calculate a summary data item. The first terminal calculates a first message authentication code based on the non-payment e-merchandise related information and a terminal-calculated value of the summary data item. The non-payment e-merchandise related information is stored on the electronic device together with an electronic device-calculated value of the summary data item and the first message authentication code.

    摘要翻译： 便利第一终端对电子设备的询问，以获得与电子设备相关的帐号。 电子设备根据支付规格进行配置。 第一终端具有根据支付规格配置的第一终端支付模块和根据电子商品基础设施配置的第一终端电子商品模块，并且耦合到第一终端支付模块，以允许将不支付电子商品相关信息从 第一终端电子商品模块到第一终端支付模块。 电子设备的询问由第一终端支付模块执行。 促进由第一终端电子商品模块生成不支付电子商品的信息。 在第一终端电子商品模块向电子装置经由第一终端支付模块将电子装置与第一终端支付模块之间的交易中的非付款电子商品相关信息转移到根据支付 规格也方便。 不支付电子商品相关信息根据支付规范存储在电子设备上。 电子设备和第一终端独立地计算汇总数据项。 第一终端基于不支付电子商品相关信息和汇总数据项的终端计算值来计算第一消息认证码。 不支付电子商品相关信息与电子设备计算的汇总数据项和第一消息认证码的值一起存储在电子设备上。

    METHODS AND SYSTEMS TO REMOTELY ISSUE PROXIMITY PAYMENT DEVICES
    84.
    发明申请
    METHODS AND SYSTEMS TO REMOTELY ISSUE PROXIMITY PAYMENT DEVICES 有权
    远程发送临时付款设备的方法和系统

    公开(公告)号：US20100044433A1

    公开(公告)日：2010-02-25

    申请号：US12543849

    申请日：2009-08-19

    申请人： John R. Wankmueller ,  David A. Roberts ,  Paul Michael Evans

    发明人： John R. Wankmueller ,  David A. Roberts ,  Paul Michael Evans

    IPC分类号： G06F7/00

    CPC分类号： G06Q20/3558 ,  G06Q20/18 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/355 ,  G06Q20/409 ,  G07F7/1008 ,  G07F11/00 ,  G07F17/0014 ,  G07F17/42

    摘要： Pursuant to some embodiments, methods, apparatus, systems, devices, and means for issuing a payment device from a remote dispensing device are provided which include receiving a request to purchase a payment device from the remote dispensing device, the request including a load amount. Device information is read from a pre-personalized payment device in the remote dispensing device, and a request is made to an issuer of the pre-personalized payment device, for personalization data to personalize the pre-personalized payment device. In some embodiments, the request is sent over a secure authenticated session established between a module of the dispensing device and the issuer. The personalization data is loaded in the pre-personalized payment device to create a personalized payment device, and the personalized payment device is dispensed for use by a consumer.

    摘要翻译： 根据一些实施例，提供了用于从远程分配设备发出支付设备的方法，设备，系统，设备和装置，其包括从远程分配设备接收购买支付设备的请求，该请求包括负载量。 从远程分配设备中的预先个性化的支付设备读取设备信息，并且向预先个性化的支付设备的发行者请求个性化数据以个性化预先个性化的支付设备。 在一些实施例中，通过在分配装置的模块和发行者之间建立的安全认证会话来发送请求。 个性化数据被加载在预先个性化的支付设备中以创建个性化支付设备，并且个性化支付设备被分配供消费者使用。

    METHOD AND APPARATUS FOR USE IN PERSONALIZING IDENTIFICATION TOKEN
    87.
    发明申请
    METHOD AND APPARATUS FOR USE IN PERSONALIZING IDENTIFICATION TOKEN 审中-公开
    用于个性化识别托盘的方法和装置

    公开(公告)号：US20090100511A1

    公开(公告)日：2009-04-16

    申请号：US11870144

    申请日：2007-10-10

    申请人： Simon Phillips ,  Bengt Horsma ,  Duncan Garrett ,  David A. Roberts

    发明人： Simon Phillips ,  Bengt Horsma ,  Duncan Garrett ,  David A. Roberts

    IPC分类号： H04L9/32

    CPC分类号： G06Q20/20 ,  G06Q20/3278 ,  G06Q20/3552 ,  H04L9/3234 ,  H04L2209/56 ,  H04L2209/805

    摘要： According to some embodiments, a method comprises: storing, in a personalization token, information to personalize an identification token; issuing the personalization token to an account holder; and transmitting the information from the personalization token to the identification token using a wireless interface. According to some embodiments, apparatus comprises: a personalization token issued to an account holder, the personalization token comprising: information to personalize an identification token; and a wireless communication interface to transmit the information to the identification token.

    摘要翻译： 根据一些实施例，一种方法包括：在个性化令牌中存储用于个性化识别令牌的信息; 向个人账户持有者发放个性化令牌; 以及使用无线接口将所述信息从所述个性化令牌发送到所述识别令牌。 根据一些实施例，装置包括：发给帐户持有者的个人化令牌，个性化令牌包括：个性化识别令牌的信息; 以及将信息发送到识别令牌的无线通信接口。

    Payment Device with Audio and/or Visual Capability and Associated Method
    88.
    发明申请
    Payment Device with Audio and/or Visual Capability and Associated Method 有权
    具有音频和/或视觉能力和相关方法的支付设备

    公开(公告)号：US20080179403A1

    公开(公告)日：2008-07-31

    申请号：US12019679

    申请日：2008-01-25

    申请人： Leland Stanford Endlebardt ,  John Wankmueller ,  David A. Roberts

    发明人： Leland Stanford Endlebardt ,  John Wankmueller ,  David A. Roberts

    IPC分类号： G06K19/067

    CPC分类号： G06K19/077 ,  G06Q20/32 ,  G06Q20/327

    摘要： A payment device includes a memory, a processor coupled to the memory, a communications module coupled to the processor and configured to interact with a payment terminal, a sound-producing element coupled to the processor, and an associated body portion. The memory is configured to store at least one representation of at least one sound and the processor is configured to cause the sound-producing element to produce a sound corresponding to the at least one representation of the at least one sound when such representation is stored in the memory, responsive to the communications module interacting with the payment terminal, substantially without usage of a battery on the device Visual stimuli can be employed in addition to or in lieu of sounds. Sounds can be downloaded to devices with or without batteries, as part of a service offering.

    摘要翻译： 支付设备包括存储器，耦合到存储器的处理器，耦合到处理器并被配置为与支付终端进行交互的通信模块，耦合到处理器的声音产生元件以及相关联的主体部分。 存储器被配置为存储至少一个声音的至少一个表示，并且处理器被配置为使得声音产生元件产生与至少一个声音的至少一个表示相对应的声音，当这种表示被存储在 响应于与支付终端交互的通信模块的存储器，基本上不使用设备上的电池，除了声音之外或代替声音，可以使用视觉刺激。 作为服务提供的一部分，声音可以下载到有或没有电池的设备。

    Personal identification systems
    89.
    发明授权
    Personal identification systems 失效
    个人识别系统

    公开(公告)号：US5606614A

    公开(公告)日：1997-02-25

    申请号：US635281

    申请日：1996-04-19

    申请人： Patrick S. Brady ,  Michael J. Kenning ,  David A. Roberts ,  Robert E. V. Semos ,  Mark J. Stirland ,  Richard B. Ward

    发明人： Patrick S. Brady ,  Michael J. Kenning ,  David A. Roberts ,  Robert E. V. Semos ,  Mark J. Stirland ,  Richard B. Ward

    IPC分类号： G06F21/20 ,  G07F7/10 ,  H04L9/32 ,  G06K5/00

    CPC分类号： G07F7/1008 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/385 ,  G07F7/1025

    摘要： In personal identification systems which compare passwords in a verification computer to identify a user, successive passwords are generated, or retrieved from a stored list in the verification computer in response to each entry of a public username into the verification computer. A user device carried by the user retrieves the next successive password from a stored list in response to a command from the user and displays the password. The user then reads this password and offers it to the verification computer via a keyboard entry to be compared with the password already generated or retrieved in response to the username (the expected password).

    摘要翻译： 在比较验证计算机中的密码以识别用户的个人识别系统中，响应于公共用户名的每个输入进入验证计算机，生成连续密码或从验证计算机中的存储列表检索。 用户承载的用户设备响应于来自用户的命令从存储的列表中检索下一个连续的密码并显示密码。 然后用户读取此密码，并通过键盘条目将其提供给验证计算机，以与已经根据用户名（预期密码）生成或检索的密码进行比较。