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公开(公告)号：US07668750B2
公开(公告)日：2010-02-23
申请号：US10708545
申请日：2004-03-10
IPC分类号： G06Q20/00
CPC分类号： G06Q20/20 , G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/327 , G06Q20/3278 , G06Q20/382 , G07C9/00111 , G07C9/00119 , G07F7/1083
摘要： A system and method for securing a Radio Frequency (RF) transaction using a RF identification device (RFID) transaction device is provided. The RFID transaction device includes a transactions counter for tallying the number of transactions attempted or completed with the RFID transactions device. The counter may be incremented by any predetermined amount, which may be predefined for a particular transaction device counter. The counter value is provided to an account issuer for use in determining if the counter value has exceeded a predetermined value correlative to the maximum number of transactions which may be completed using a transaction device.
摘要翻译： 提供了一种使用RF识别设备（RFID）交易设备来确保射频（RF）交易的系统和方法。 RFID交易设备包括用于计算用RFID交易设备尝试或完成的交易数量的交易计数器。 计数器可以增加任何预定量，其可以针对特定交易设备计数器预定义。 将计数器值提供给帐户发行者，以用于确定计数器值是否已经超过与可以使用交易设备完成的最大交易数相关的预定值。
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公开(公告)号：US07306158B2
公开(公告)日：2007-12-11
申请号：US10611563
申请日：2003-06-30
申请人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Becky Vander Eyk , Matthew C. Hood , Susan E. Isenberg , Leigh Malnati , Alexandra Mayers , Sue Mueller , Zarita Norcross , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Lisa Skilling-Belmond , John R. Williamson
发明人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Becky Vander Eyk , Matthew C. Hood , Susan E. Isenberg , Leigh Malnati , Alexandra Mayers , Sue Mueller , Zarita Norcross , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Lisa Skilling-Belmond , John R. Williamson
IPC分类号： G06K19/06
CPC分类号： G06Q20/14 , G06K7/0008 , G06K19/02 , G06K19/0723 , G06K19/077 , G06K19/08 , G06K19/16 , G06Q20/00 , G06Q20/04 , G06Q20/327 , G07F7/086
摘要： The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.
摘要翻译： 本发明涉及一种具有多个特征的透明或半透明交易卡的方法，例如全息箔，集成电路芯片，RFID电路，在磁条上具有文本的银磁条，不透明度梯度，不可见的可光学识别化合物 ，半透明签名领域，使得卡片背面的RFID电路和签名可以从卡片的前面看到，并且在卡片前面的主动通过日期。 不可见的光学可识别化合物是红外墨水和/或膜，其可以通过在ATM或卡装配线中发现的传感器来检测。
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3.发明授权System and method for assigning a funding source for a radio frequency identification device 有权为射频识别装置分配资金来源的系统和方法公开(公告)号：US07249112B2
公开(公告)日：2007-07-24
申请号：US10318480
申请日：2002-12-13
申请人： Michael J. Berardi , Michal Bliman , David Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Trevor J. Perry , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Kristin L. VonWald , John R. Williamson
发明人： Michael J. Berardi , Michal Bliman , David Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Trevor J. Perry , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Kristin L. VonWald , John R. Williamson
CPC分类号： G06Q20/40 , G06Q20/00 , G06Q20/027 , G06Q20/04 , G06Q20/08 , G06Q20/085 , G06Q20/10 , G06Q20/14 , G06Q20/327 , G06Q20/367 , G06Q20/382 , G06Q20/3821 , G06Q20/401 , G07C9/00119
摘要： A transponder-reader payment system includes a RFID reader for interrogating a transponder, and a fob including a transponder which is associated with fob data file funded by one or more funding sources. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which may process the transaction request in accordance with a funding protocol wherein the transaction request is satisfied according to a fob issuer predefined funding criteria relative to the multiple funding sources.
摘要翻译： 应答器 - 读取器支付系统包括用于询问应答器的RFID读取器，以及包括与由一个或多个资金来源资助的fob数据文件相关联的应答器的Fob。 在示例性操作中，可以将RFID标签信息呈现给RFID读取器以完成交易请求。 交易请求可以被提供给可以根据资金协议处理交易请求的付款发行者系统，其中根据支付发行商相对于多个资金来源的预定义资金准则来满足交易请求。
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公开(公告)号：US08872619B2
公开(公告)日：2014-10-28
申请号：US11743907
申请日：2007-05-03
申请人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , John R. Williamson
发明人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , John R. Williamson
IPC分类号： H04Q1/00 , H04Q5/22 , G06Q20/00 , G06Q20/32 , G06Q20/40 , G06Q20/10 , G06Q20/04 , G07C9/00 , G06Q20/14
CPC分类号： G06Q20/4012 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/3226 , G06Q20/327 , G06Q20/3278 , G06Q20/40 , G07C9/00111 , G07C9/00119
摘要： A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.
摘要翻译： 应答器 - 读取器支付系统包括一个包含应答器的支架和用于询问应答器的RFID读取器。 该系统还可以包括个人化系统，用于填充小袋和RFID读取器，以识别信息和安全性和认证密钥，这些密钥可以在相机和阅读器的相互认证期间使用并用于完成交易。 在示例性操作中，便携式小键盘和RFID读取器可以被个性化，小物件可以被呈现给RFID读取器进行询问，小支架和读取器可以参与相互认证，并且可以向读者提供支票识别信息以进行交易完成。 在另一示例性实施例中，应答器 - 读取器支付系统的操作可以由激活电路来控制。 此外，小袋可以响应于多个询问信号。
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公开(公告)号：US20080203172A1
公开(公告)日：2008-08-28
申请号：US11871981
申请日：2007-10-13
申请人： Michael J. Berardi , Michael Bliman , David S. Bonalle , Jennifer Anne Elwood , Becky Vander Eyk , Matthew C. Hood , Susan E. Isenberg , Leigh Malnati , Alexandra Mayers , Sue Mueller , Zarita Norcross , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Lisa Skilling-Belmond , John R. Williamson
发明人： Michael J. Berardi , Michael Bliman , David S. Bonalle , Jennifer Anne Elwood , Becky Vander Eyk , Matthew C. Hood , Susan E. Isenberg , Leigh Malnati , Alexandra Mayers , Sue Mueller , Zarita Norcross , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Lisa Skilling-Belmond , John R. Williamson
IPC分类号： G06K19/067
CPC分类号： G06Q20/14 , G06K7/0008 , G06K19/02 , G06K19/0723 , G06K19/077 , G06K19/08 , G06K19/16 , G06Q20/00 , G06Q20/04 , G06Q20/327 , G07F7/086
摘要： The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.
摘要翻译： 本发明涉及一种具有多个特征的透明或半透明交易卡的方法，例如全息箔，集成电路芯片，RFID电路，在磁条上具有文本的银磁条，不透明度梯度，不可见的可光学识别化合物 ，半透明签名领域，使得卡片背面的RFID电路和签名可以从卡片的前面看到，并且在卡片前面的主动通过日期。 不可见的光学可识别化合物是红外墨水和/或膜，其可以通过在ATM或卡装配线中发现的传感器来检测。
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公开(公告)号：US09454752B2
公开(公告)日：2016-09-27
申请号：US10318432
申请日：2002-12-13
申请人： Michael J. Berardi , Michal Bliman , David Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Trevor J. Perry , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Kristin L. VonWald , John R. Williamson
发明人： Michael J. Berardi , Michal Bliman , David Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Trevor J. Perry , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Kristin L. VonWald , John R. Williamson
CPC分类号： G06Q20/40145 , G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/20 , G06Q20/327 , G06Q20/3278 , G07C9/00087 , G07C9/00111 , G07C9/00119 , G07C2009/00095
摘要： A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which retrieves a value for satisfying the transaction request from a fob associated transaction data file. The issuer system may deplete the transaction data file in accordance with the transaction request and replenish the data file in accordance with fob user or fob issuer defined reload protocol.
摘要翻译： 应答器 - 读取器支付系统包括一个包含应答器的支架和用于询问应答器的RFID读取器。 在示例性操作中，可以将RFID标签信息呈现给RFID读取器以完成交易请求。 可以将交易请求提供给从支票相关联的交易数据文件检索用于满足交易请求的值的支票发行商系统。 发行人系统可以根据交易请求消耗交易数据文件，并根据fob用户或发票人定义的重新加载协议补充数据文件。
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7.发明授权公开(公告)号：US08818907B2
公开(公告)日：2014-08-26
申请号：US10905078
申请日：2004-12-14
CPC分类号： G06Q20/383 , G06Q10/04 , G06Q20/00 , G06Q20/04 , G06Q20/0855 , G06Q20/10 , G06Q20/105 , G06Q20/108 , G06Q20/14 , G06Q20/206 , G06Q20/327 , G06Q20/346 , G06Q20/367 , G06Q20/3672 , G06Q20/385 , G06Q20/40 , G06Q30/04 , G06Q40/00 , G07C9/00111 , G07C9/00119 , G07F7/1008
摘要： The present invention provides a system and method for facilitating a RF transaction using a secondary transaction number that is associated with a user's primary transponder account. The user provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.
摘要翻译： 本发明提供了一种使用与用户的主要应答器帐户相关联的次要交易号码促进RF交易的系统和方法。 用户通常将与其相关联的有限使用条件的次要交易号码提供给商家以促进更安全和更自信的交易。
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公开(公告)号：US07889052B2
公开(公告)日：2011-02-15
申请号：US10340352
申请日：2003-01-10
申请人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Trevor J. Perry , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Kristin L. VonWald , John R. Williamson
发明人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Trevor J. Perry , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Kristin L. VonWald , John R. Williamson
IPC分类号： G06F7/04
CPC分类号： G07F7/025 , G06Q10/025 , G06Q20/00 , G06Q20/04 , G06Q20/102 , G06Q20/14 , G06Q20/20 , G06Q20/28 , G06Q20/32 , G06Q20/327 , G06Q20/3278 , G06Q20/342 , G06Q20/40 , G06Q20/40145 , G07C9/00111 , G07C9/00119 , H04L9/3234 , H04L2209/56 , H04L2209/805
摘要： A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a payment device separate and distinct from the fob, but associated with payment account mutually shared with the fob. In exemplary operation, the fob identifying information, or the payment device information, may be presented to the RFID reader for completion of a transaction request. A process server may receive the transaction request and satisfy the transaction request in accordance with a predetermined payment criteria. The process server may additionally augment a rewards account based on fob or payment device usage, thereby incenting fob usage in one instance and payment device usage in the other.
摘要翻译： 应答器 - 读取器支付系统包括一个包含应答器的支架和用于询问应答器的RFID读取器。 该系统可以进一步包括与支架分开且不同的支付装置，但是与与支架相互共享的支付账户相关联。 在示例性操作中，可以将RFID标签信息或支付设备信息呈现给RFID读取器以完成交易请求。 处理服务器可以根据预定的支付标准接收交易请求并满足交易请求。 过程服务器可以另外增加基于支票或支付设备使用的奖励账户，从而在一个实例中激励支票使用以及在另一个实例中支付设备使用。
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公开(公告)号：US07607583B2
公开(公告)日：2009-10-27
申请号：US11871981
申请日：2007-10-13
申请人： Michael J Berardi , Michael Bliman , David S Bonalle , Jennifer Anne Elwood , Becky Vander Eyk , Matthew C Hood , Susan E Isenberg , Leigh Malnati , Alexandra Mayers , Sue Mueller , Zarita Norcross , Peter D Saunders , Kathryn D Scheding , Sejal Ajit Shah , Lisa Skilling-Belmond , John R Williamson
发明人： Michael J Berardi , Michael Bliman , David S Bonalle , Jennifer Anne Elwood , Becky Vander Eyk , Matthew C Hood , Susan E Isenberg , Leigh Malnati , Alexandra Mayers , Sue Mueller , Zarita Norcross , Peter D Saunders , Kathryn D Scheding , Sejal Ajit Shah , Lisa Skilling-Belmond , John R Williamson
IPC分类号： G06K19/00
CPC分类号： G06Q20/14 , G06K7/0008 , G06K19/02 , G06K19/0723 , G06K19/077 , G06K19/08 , G06K19/16 , G06Q20/00 , G06Q20/04 , G06Q20/327 , G07F7/086
摘要： The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.
摘要翻译： 本发明涉及一种具有多个特征的透明或半透明交易卡的方法，例如全息箔，集成电路芯片，RFID电路，在磁条上具有文本的银磁条，不透明度梯度，不可见的可光学识别化合物 ，半透明签名领域，使得卡片背面的RFID电路和签名可以从卡片的前面看到，并且在卡片前面的主动通过日期。 不可见的光学可识别化合物是红外墨水和/或膜，其可以通过在ATM或卡装配线中发现的传感器来检测。
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公开(公告)号：US07070112B2
公开(公告)日：2006-07-04
申请号：US10708548
申请日：2004-03-10
申请人： Blayn W. Beenau , David S. Bonalle , Becky Vander Eyk , Susan E. Isenberg , Leigh Malnati , Sue Mueller , Zarita Norcross , Lee J. Peart , Peter D. Saunders , Lisa Skilling-Belmond , Lisa Webb , John R. Williamson
发明人： Blayn W. Beenau , David S. Bonalle , Becky Vander Eyk , Susan E. Isenberg , Leigh Malnati , Sue Mueller , Zarita Norcross , Lee J. Peart , Peter D. Saunders , Lisa Skilling-Belmond , Lisa Webb , John R. Williamson
IPC分类号： G02B26/10
CPC分类号： G06Q20/00 , G06K7/0008 , G06K19/02 , G06K19/0723 , G06K19/077 , G06K19/08 , G06K19/16 , G06Q20/04 , G06Q20/14 , G06Q20/327 , G06Q20/3278 , G07C9/00111 , G07C9/00119 , G07F7/086 , H04L9/3231 , H04L9/3273 , H04L2209/56 , H04L2209/805
摘要： The present invention relates to a process for producing an transparent or translucent transaction device having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the device is visible through the device body. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or device manufacturing assembly line.
摘要翻译： 本发明涉及一种用于制造具有多个特征的透明或半透明交易装置的方法，例如全息箔，集成电路芯片，RFID电路，在磁条上具有文本的银磁条，不透明度梯度，不可见的可光学识别化合物 ，半透明签名领域，使得设备背面的RFID电路和签名通过设备主体可见。 不可见的可光学识别的化合物是红外墨水和/或膜，其可以通过在ATM或装置制造装配线中发现的传感器来检测。
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