公开(公告)号：US20100325039A1

公开(公告)日：2010-12-23

申请号：US12769383

申请日：2010-04-28

Applicant: Cristian Radu ,  Patrick Mestré ,  Duncan Garrett

Inventor： Cristian Radu ,  Patrick Mestré ,  Duncan Garrett

IPC: G06Q20/00 ,  G06K19/073

CPC classification number: G06Q20/40 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q20/38 ,  G06Q20/382 ,  G07F7/1008 ,  G07F7/12

Abstract: 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.

Abstract translation: 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。

公开(公告)号：US07717346B2

公开(公告)日：2010-05-18

申请号：US11182355

申请日：2005-07-15

Applicant: Patrick Smets ,  Eddy Lodewijk Hortensia Van De Velde ,  Duncan Garrett

Inventor： Patrick Smets ,  Eddy Lodewijk Hortensia Van De Velde ,  Duncan Garrett

IPC: G06K7/00

CPC classification number: 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

Abstract: 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.

Abstract translation: 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。

公开(公告)号：US07424977B2

公开(公告)日：2008-09-16

申请号：US11182354

申请日：2005-07-15

Applicant: Patrick Smets ,  Eddy Lodewijk Hortensia Van De Velde ,  Duncan Garrett

Inventor： Patrick Smets ,  Eddy Lodewijk Hortensia Van De Velde ,  Duncan Garrett

IPC: G06K7/00

CPC classification number: 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

Abstract: 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.

Abstract translation: 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。

公开(公告)号：US20060027655A1

公开(公告)日：2006-02-09

申请号：US11182354

申请日：2005-07-15

Applicant: Patrick Smets ,  Eddy Van De Velde ,  Duncan Garrett

Inventor： Patrick Smets ,  Eddy Van De Velde ,  Duncan Garrett

IPC: G06K7/08 ,  G06K19/06 ,  G06K5/00

CPC classification number: 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

Abstract: 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.

Abstract translation: 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。

公开(公告)号：US20060022044A1

公开(公告)日：2006-02-02

申请号：US11182357

申请日：2005-07-15

Applicant: Patrick Smets ,  Eddy Van De Velde ,  Duncan Garrett

Inventor： Patrick Smets ,  Eddy Van De Velde ,  Duncan Garrett

IPC: G06K7/08 ,  G06K19/06

CPC classification number: 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

Abstract: 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.

Abstract translation: 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。

公开(公告)号：US20210282568A1

公开(公告)日：2021-09-16

申请号：US17303515

申请日：2021-06-01

Applicant: Shirley Duncan Garrett

Inventor： Shirley Duncan Garrett

IPC: A47C21/02

Abstract: A handheld, paddle-shaped device with an elongate, flexible shaft that facilitates tucking bedcovers beneath a mattress. The elongate, flexible shaft facilitates reaching across a mattress to a mattress corner in order to tuck a sheet beneath the far corner of the mattress.

公开(公告)号：US20100274722A1

公开(公告)日：2010-10-28

申请号：US12769245

申请日：2010-04-28

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

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

IPC: G06Q20/00

CPC classification number: G06Q20/40 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q20/38 ,  G06Q20/382 ,  G07F7/1008 ,  G07F7/12

Abstract: Initial presentation of a payment device to a payment terminal assembly, in connection with a putative transaction, is facilitated. The payment device includes a payment device memory storing a device-side payment application, with an on-device balance, and at least one payment device processor coupled to the payment device memory. The payment terminal assembly includes a terminal memory, storing a terminal-side payment application, and at least one terminal processor coupled to the terminal memory. A first command is sent from the payment terminal assembly to the payment device to compute a cryptogram to complete the 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 the terminal memory. The payment terminal assembly obtains the identifier of the payment device, upon re-presentation of the payment device to the payment terminal assembly. Upon the re-presentation of the payment device to the payment terminal assembly, 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. The second command instructs the payment device to re-produce the cryptogram to complete the putative transaction.

Abstract translation: 与付款交易相关的支付设备初步呈现给支付终端组件是有利的。 支付设备包括存储具有设备内余额的设备侧支付应用以及耦合到支付设备存储器的至少一个支付设备处理器的支付设备存储器。 支付终端组件包括终端存储器，存储终端支付应用，以及耦合到终端存储器的至少一个终端处理器。 第一命令从支付终端组件发送到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，将与推定事务相关联的支付设备和交易恢复数据的标识符存储在终端存储器的存储区域中。 支付终端组件在将支付设备重新呈现给支付终端组件时获得支付设备的标识符。 在将支付设备重新呈现给支付终端组件时，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，第二命令从支付终端组件发送到支付装置。 第二个命令指示支付设备重新生成密码以完成推定的交易。

公开(公告)号：US07431217B2

公开(公告)日：2008-10-07

申请号：US11182357

申请日：2005-07-15

Applicant: Patrick Smets ,  Eddy Lodewijk Hortensia Van De Velde ,  Duncan Garrett

Inventor： Patrick Smets ,  Eddy Lodewijk Hortensia Van De Velde ,  Duncan Garrett

IPC: G06K19/05

CPC classification number: 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

Abstract: 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.

Abstract translation: 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。

公开(公告)号：US07422157B2

公开(公告)日：2008-09-09

申请号：US11182358

申请日：2005-07-15

Applicant: Patrick Smets ,  Eddy Lodewijk Hortensia Van De Velde ,  Duncan Garrett

Inventor： Patrick Smets ,  Eddy Lodewijk Hortensia Van De Velde ,  Duncan Garrett

IPC: G06K7/00

CPC classification number: 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

Abstract: 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.

Abstract translation: 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。

公开(公告)号：US10783514B2

公开(公告)日：2020-09-22

申请号：US11870144

申请日：2007-10-10

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

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

IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q20/34 ,  H04L9/32

Abstract: 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.