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    Apparatus and method for integrated payment and electronic merchandise transfer
    2.
    发明申请
    Apparatus and method for integrated payment and electronic merchandise transfer 有权
    一体化支付和电子商品转账的设备和方法

    公开(公告)号：US20070012763A1

    公开(公告)日：2007-01-18

    申请号：US11478185

    申请日：2006-06-29

    申请人： Eddy Van de Velde ,  David Roberts ,  Patrik Smets

    发明人： Eddy Van de Velde ,  David Roberts ,  Patrik Smets

    IPC分类号： G06K5/00

    CPC分类号： G06Q20/045 ,  G06Q20/18

    摘要： Payment transactions using a payment infrastructure are efficiently combined with e-merchandise transactions using an e-merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function. An electronic payment device configured according to the payment infrastructure is interrogated by a payment module (also configured according to the payment infrastructure) of a first terminal to obtain financial data. Electronic merchandise-related information is generated by an electronic merchandise module (configured according to the electronic merchandise infrastructure) of the first terminal, and such information is transferred to the electronic payment device within a transaction conducted in accordance with the financial data and the payment infrastructure.

    摘要翻译： 使用支付基础设施的付款交易可以使用电子商品基础设施与电子商品交易有效结合，同时允许每个基础设施集中在其主要功能上。 根据支付基础设施配置的电子支付设备由第一终端的支付模块（也根据支付基础设施配置）进行询问以获得财务数据。 电子商品相关信息由第一终端的电子商品模块（根据电子商品基础设施配置）产生，并且在根据财务数据和支付基础设施进行的交易中将这些信息传送到电子支付设备 。

    Method and system for conducting contactless payment card transactions
    5.
    发明申请
    Method and system for conducting contactless payment card transactions 失效
    进行非接触式支付卡交易的方法和系统

    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

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

    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。

    Reference equipment for testing contactless payment devices
    6.
    发明申请
    Reference equipment for testing contactless payment devices 失效
    用于测试非接触支付设备的参考设备

    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

    IPC分类号： G06K7/08 ,  G06K19/06

    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。