公开(公告)号：US20080128513A1

公开(公告)日：2008-06-05

申请号：US11566614

申请日：2006-12-04

申请人： Ayman Hammad ,  Phil Dixon ,  Brian Triplett

发明人： Ayman Hammad ,  Phil Dixon ,  Brian Triplett

IPC分类号： G06K19/06

CPC分类号： G06Q20/352 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/341 ,  G06Q20/3576 ,  G06Q20/367 ,  G07F7/1008

摘要： An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

摘要翻译： 用于非接触式智能卡或支付设备的架构，智能卡旨在用于商业交易支付和过境票价支付（或其他场地访问）环境中。 支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。 这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于 支付商业交易。 运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。

公开(公告)号：US20090184163A1

公开(公告)日：2009-07-23

申请号：US12409380

申请日：2009-03-23

申请人： Ayman Hammad ,  Phil Dixon ,  Brian Triplett

发明人： Ayman Hammad ,  Phil Dixon ,  Brian Triplett

IPC分类号： G06K1/00 ,  G06K19/00 ,  G06K7/00

CPC分类号： G06Q20/352 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/341 ,  G06Q20/3576 ,  G06Q20/367 ,  G07F7/1008

摘要： An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

摘要翻译： 用于非接触式智能卡或支付设备的架构，智能卡旨在用于商业交易支付和过境票价支付（或其他场地访问）环境中。 支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。 这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于 支付商业交易。 运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。

公开(公告)号：US08733663B2

公开(公告)日：2014-05-27

申请号：US12409402

申请日：2009-03-23

申请人： Ayman Hammad ,  Phil Dixon ,  Brian Triplett

发明人： Ayman Hammad ,  Phil Dixon ,  Brian Triplett

IPC分类号： G06K19/06

CPC分类号： G06Q20/352 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/341 ,  G06Q20/3576 ,  G06Q20/367 ,  G07F7/1008

摘要： An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

摘要翻译： 诸如移动电话的设备包括非接触式智能卡或支付设备，其中智能卡旨在用于商业交易支付和过境费用支付（或其他场所访问）环境中。 支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。 这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于 支付商业交易。 运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。

公开(公告)号：US07527208B2

公开(公告)日：2009-05-05

申请号：US11566614

申请日：2006-12-04

申请人： Ayman Hammad ,  Phil Dixon ,  Brian Triplett

发明人： Ayman Hammad ,  Phil Dixon ,  Brian Triplett

IPC分类号： G06K19/06

CPC分类号： G06Q20/352 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/341 ,  G06Q20/3576 ,  G06Q20/367 ,  G07F7/1008

摘要： An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

摘要翻译： 用于非接触式智能卡或支付设备的架构，智能卡旨在用于商业交易支付和过境票价支付（或其他场地访问）环境中。 支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。 这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于 支付商业交易。 运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。

公开(公告)号：US08688554B2

公开(公告)日：2014-04-01

申请号：US12409380

申请日：2009-03-23

申请人： Ayman Hammad ,  Phil Dixon ,  Brian Triplett

发明人： Ayman Hammad ,  Phil Dixon ,  Brian Triplett

IPC分类号： G06Q40/00

CPC分类号： G06Q20/352 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/341 ,  G06Q20/3576 ,  G06Q20/367 ,  G07F7/1008

摘要： An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

摘要翻译： 用于非接触式智能卡或支付设备的架构，智能卡旨在用于商业交易支付和过境票价支付（或其他场地访问）环境中。 支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。 这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于 支付商业交易。 运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。

公开(公告)号：US20090239512A1

公开(公告)日：2009-09-24

申请号：US12409402

申请日：2009-03-23

申请人： Ayman Hammad ,  Phil Dixon ,  Brian Triplett

发明人： Ayman Hammad ,  Phil Dixon ,  Brian Triplett

IPC分类号： H04M3/42 ,  H04M1/00

CPC分类号： G06Q20/352 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/341 ,  G06Q20/3576 ,  G06Q20/367 ,  G07F7/1008

摘要： An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

摘要翻译： 诸如移动电话的设备包括非接触式智能卡或支付设备，其中智能卡旨在用于商业交易支付和过境费用支付（或其他场所访问）环境中。 支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。 这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于 支付商业交易。 运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。

公开(公告)号：US08376227B2

公开(公告)日：2013-02-19

申请号：US13351942

申请日：2012-01-17

申请人： Ayman Hammad ,  Phil Dixon

发明人： Ayman Hammad ,  Phil Dixon

IPC分类号： G07B15/02 ,  G06F17/00 ,  G06K19/06 ,  G06K5/00 ,  H04M1/00

CPC分类号： G06Q20/3278 ,  G06Q20/045 ,  G06Q20/102 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3227 ,  G06Q20/341 ,  G06Q30/0284 ,  G07B15/02 ,  G07F7/0886 ,  G07F7/1008 ,  G07F17/0014 ,  G07F17/42

摘要： A system and method for facilitating the payment and collection of transit system fares using a mobile device utilizes a smart sign including near field communication (NFC) devices that communicate with a contactless element embedded within a mobile wireless device. Each NFC device is associated with a different transit location. The NFC devices may be included on the same smart sign located at one transit location or on different smart signs located at different transit locations. Alternatively, one NFC device may be included on a smart sign at a departure location and another NFC device may be activated when or after the user enters the transit system to provide proof of fare purchase. The mobile device is positioned proximate the NFC devices to activate the NFC devices and access fare and/or schedule information or purchase a fare.

摘要翻译： 使用移动设备便利支付和收集过境系统票价的系统和方法利用包括与嵌入在移动无线设备内的非接触元件通信的近场通信（NFC）设备的智能符号。 每个NFC设备与不同的传输位置相关联。 NFC设备可以被包括在位于一个中转位置的同一智能标志上，或位于位于不同转接位置的不同智能标志上。 或者，一个NFC设备可以被包括在出发位置的智能标志上，并且当用户进入转接系统以提供票价购买证明时，可以激活另一个NFC设备。 移动设备位于NFC设备附近以激活NFC设备并访问票价和/或日程信息或购买车费。

公开(公告)号：US07567920B2

公开(公告)日：2009-07-28

申请号：US12169070

申请日：2008-07-08

申请人： Ayman Hammad ,  Phil Dixon ,  Khalid El-Awady ,  Patrick Faith ,  Mark Carlson

发明人： Ayman Hammad ,  Phil Dixon ,  Khalid El-Awady ,  Patrick Faith ,  Mark Carlson

IPC分类号： G07B15/00

CPC分类号： G07B15/00 ,  G06Q20/32 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/40 ,  G06Q40/12 ,  G07B15/02 ,  G07C9/00103 ,  G07F17/0014

摘要： A method for allowing on-line authorization in an access environment. The method includes receiving a request for access to a location at a gate access device from a user. After receiving the request for access to the location, an authorization request message is generated. The authorization request message includes an authorization to charge a predetermined amount of money. The authorization request message is then sent to an issuer for approval. An authorization response message is then received. The authorization response message indicates whether or not the charge is authorized or not authorized. If the authorization response message indicates that the authorization response message is authorized, then the user is allowed to access the location.

摘要翻译： 一种在访问环境中允许在线授权的方法。 该方法包括从用户接收访问门禁设备上的位置的请求。 在接收到对该位置的访问请求之后，生成授权请求消息。 授权请求消息包括对预定金额收取的授权。 然后将授权请求消息发送给发行者以供批准。 然后接收授权响应消息。 授权响应消息指示费用是否被授权或未授权。 如果授权响应消息指示授权响应消息被授权，则允许用户访问该位置。

公开(公告)号：US20090146814A1

公开(公告)日：2009-06-11

申请号：US12273017

申请日：2008-11-18

申请人： Ayman Hammad ,  Phil Dixon

发明人： Ayman Hammad ,  Phil Dixon

IPC分类号： G08B13/14

CPC分类号： G06K19/07327 ,  G06K19/005 ,  G06K19/07735

摘要： An apparatus and method is provided to shield contactless portable electronic consumer devices such as radio frequency identification devices (RFID), tokens, mini-cards, key fobs, cellular phones, smartcards, etc. from wireless interrogation. In one embodiment, a contactless portable consumer device which includes a first antenna is shielded from unauthorized wireless interrogation with a radio frequency (RF) shield. The RF shield includes electrically conductive, non-ferromagnetic material and is configured to prevent unauthorized data transfer between a second antenna external to the portable consumer device and the first antenna.

公开(公告)号：US20080201212A1

公开(公告)日：2008-08-21

申请号：US12022075

申请日：2008-01-29

申请人： Ayman Hammad ,  Phil Dixon

发明人： Ayman Hammad ,  Phil Dixon

IPC分类号： G07B15/02 ,  G06Q20/00

CPC分类号： G06Q20/3278 ,  G06Q20/045 ,  G06Q20/102 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3227 ,  G06Q20/341 ,  G06Q30/0284 ,  G07B15/02 ,  G07F7/0886 ,  G07F7/1008 ,  G07F17/0014 ,  G07F17/42

摘要： A system and method for facilitating the payment and collection of transit system fares using a mobile device utilizes a smart sign including near field communication (NFC) devices that communicate with a contactless element embedded within a mobile wireless device. Each NFC device is associated with a different transit location. The NFC devices may be included on the same smart sign located at one transit location or on different smart signs located at different transit locations. Alternatively, one NFC device may be included on a smart sign at a departure location and another NFC device may be activated when or after the user enters the transit system to provide proof of fare purchase. The mobile device is positioned proximate the NFC devices to activate the NFC devices and access fare and/or schedule information or purchase a fare.

摘要翻译： 使用移动设备便利支付和收集过境系统票价的系统和方法利用包括与嵌入在移动无线设备内的非接触元件通信的近场通信（NFC）设备的智能符号。 每个NFC设备与不同的传输位置相关联。 NFC设备可以被包括在位于一个中转位置的同一智能标志上，或位于位于不同转接位置的不同智能标志上。 或者，一个NFC设备可以被包括在出发位置的智能标志上，并且当用户进入转接系统以提供票价购买证明时，可以激活另一个NFC设备。 移动设备位于NFC设备附近以激活NFC设备并访问票价和/或日程信息或购买车费。