Proximity payment device with active switch
    1.
    发明授权
    Proximity payment device with active switch 有权
    具有主动开关的接近支付装置

    公开(公告)号:US08490880B2

    公开(公告)日:2013-07-23

    申请号:US12979514

    申请日:2010-12-28

    IPC分类号: G06K19/06

    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。

    PROXIMITY PAYMENT DEVICE WITH ACTIVE SWITCH
    2.
    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

    IPC分类号: G06K19/073 G06K19/077

    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, METHOD, AND COMPUTER PROGRAM PRODUCT FOR RECOVERING TORN SMART PAYMENT DEVICE TRANSACTIONS
    3.
    发明申请
    APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR RECOVERING TORN SMART PAYMENT DEVICE TRANSACTIONS 有权
    装备,方法和计算机程序产品,用于恢复转账智能付款设备交易

    公开(公告)号:US20100274722A1

    公开(公告)日:2010-10-28

    申请号:US12769245

    申请日:2010-04-28

    IPC分类号: G06Q20/00

    摘要: 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.

    摘要翻译: 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。

    Apparatus and method for integrated payment and electronic merchandise transfer
    5.
    发明授权
    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:US08196818B2

    公开(公告)日:2012-06-12

    申请号:US12701998

    申请日:2010-02-08

    IPC分类号: G06K5/00

    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。

    APPARATUS AND METHOD FOR USING A DEVICE CONFORMING TO A PAYMENT STANDARD FOR ACCESS CONTROL AND/OR SECURE DATA STORAGE
    6.
    发明申请
    APPARATUS AND METHOD FOR USING A DEVICE CONFORMING TO A PAYMENT STANDARD FOR ACCESS CONTROL AND/OR SECURE DATA STORAGE 审中-公开
    使用符合支付标准的设备进行访问控制和/或安全数据存储的装置和方法

    公开(公告)号:US20090103730A1

    公开(公告)日:2009-04-23

    申请号:US11875026

    申请日:2007-10-19

    摘要: Secure establishment of a key associated with a first facility identifier is facilitated. The key is shared between a device and an operator of a first facility, via a public key management infrastructure of a payment system operating according to the payment standard, during a first transaction, substantially in accordance with the payment standard, between the device and the first facility. Controlling access to a first facility is facilitated, via the device, using the key associated with the first facility identifier, substantially without reference to an issuer of the device and substantially without use of asymmetric keys of the device, during a plurality of subsequent transactions, substantially in accordance with the payment standard, between the device and the first facility. The steps can be repeated for a number of different facilities, such as different transit systems, with appropriate rules to address a situation where the device has a limited storage capacity for keys of different transit operators.

    摘要翻译: 与第一设施标识符相关联的密钥的安全建立便利。 通过基本上按照支付标准操作的支付系统的公共密钥管理基础设施,第一设施的设备和操作者之间的密钥在基本上按照支付标准在第一交易期间在设备和 第一个设施。 在多个后续交易期间,基本上不参照设备的发行者并且基本上不使用设备的非对称密钥,通过该设备便于使用与第一设施标识符相关联的密钥来控制对第一设施的访问, 基本上按照支付标准,在设备和第一设施之间。 可以针对多个不同的设施(例如不同的运输系统)重复这些步骤,具有适当的规则以解决设备对于不同运输运营商的密钥的存储容量有限的情况。

    Apparatus, method, and computer program product for recovering torn smart payment device transactions
    7.
    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

    IPC分类号: G06Q40/00

    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。

    APPARATUS AND METHOD FOR INTEGRATED PAYMENT AND ELECTRONIC MERCHANDISE TRANSFER
    8.
    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

    IPC分类号: G06K5/00 G06Q40/00

    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。

    METHOD AND APPARATUS FOR USE IN PERSONALIZING IDENTIFICATION TOKEN
    9.
    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

    IPC分类号: H04L9/32

    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。