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1.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
CPC分类号： G06Q20/045 , G06Q20/18 , G06Q20/3827 , G06Q20/401 , G06Q20/409 , G06Q2240/00
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。
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2.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
CPC分类号： G06Q20/045 , G06Q20/18 , G06Q20/3827 , G06Q20/401 , G06Q20/409 , G06Q2240/00
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。
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3.发明申请公开(公告)号：US20090172678A1
公开(公告)日：2009-07-02
申请号：US12343601
申请日：2008-12-24
申请人： Frederick F. Branca, JR. , Simon Blythe , Sahra S. English , Jill E. Maitland , David A. Roberts , Julie M. Kramer , Alexander Antunovic , Jean-Paul Rans
发明人： Frederick F. Branca, JR. , Simon Blythe , Sahra S. English , Jill E. Maitland , David A. Roberts , Julie M. Kramer , Alexander Antunovic , Jean-Paul Rans
IPC分类号： G06F9/46
CPC分类号： G06Q20/3224 , G06Q20/08 , G06Q20/32 , G06Q20/341 , G06Q20/347 , G06Q20/352 , G06Q20/405 , G07F7/10
摘要： A method and system of controlling the functionality of a transaction device, the method includes providing a computing device for accessing an account corresponding to the transaction device. The computing device generates a list of a plurality of transaction functions associated with the transaction device. The method includes providing an option to disable and enable one or more of the transaction functions in response to a user input. In response to the user input disabling one of the transaction functions, an instruction is generated preventing the transaction device from being used for the disabled transaction function.
摘要翻译： 一种控制交易设备的功能的方法和系统，所述方法包括提供用于访问对应于所述交易设备的帐户的计算设备。 计算设备生成与交易设备相关联的多个交易功能的列表。 该方法包括提供用于响应于用户输入来禁用和启用一个或多个交易功能的选项。 响应于用户输入禁用其中一个交易功能，产生一个指令，防止交易设备被用于禁用的交易功能。
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4.发明申请Methods and Systems for Two-Factor Authentication Using Contactless Chip Cards or Devices and Mobile Devices or Dedicated Personal Readers 有权使用非接触式芯片卡或设备和移动设备或专用个人读卡器进行双因素验证的方法和系统公开(公告)号：US20070278291A1
公开(公告)日：2007-12-06
申请号：US11615577
申请日：2006-12-22
申请人： Jean-Paul Rans , Paul Vanneste
发明人： Jean-Paul Rans , Paul Vanneste
IPC分类号： G06K7/01
CPC分类号： G07F7/1008 , G06F21/31 , G06F21/34 , G06F2221/2115 , G06Q20/341 , G06Q20/40 , G06Q20/40975 , H04L63/0853
摘要： Generating authentication data for use in a transaction by providing a contactless payment device or smart card configured to communicate with a mobile device, placing the contactless chip card in a proximity to the mobile device to instantiate communication between the contactless chip card and the mobile device, inputting a first input value into the mobile device, communicating data derived from the first input value from the mobile device to the contactless chip card, the contactless chip card converting a set of conversion data, including the first input value, into at least one dynamic value based at least in part on a secret value, communicating the dynamic value from the contactless chip card to the mobile device, and communicating authentication data based at least in part on the dynamic value to a user. In some embodiments the first input value is a Personal Identification Number (PIN), a challenge, or both a PIN and a challenge.
摘要翻译： 通过提供被配置为与移动设备进行通信的非接触支付设备或智能卡来生成用于交易的认证数据，将非接触式芯片卡放置在移动设备附近以实例化非接触式芯片卡与移动设备之间的通信， 将第一输入值输入到所述移动设备中，将从所述第一输入值导出的数据从所述移动设备传送到所述非接触芯片卡，所述非接触芯片卡将包括所述第一输入值的一组转换数据转换为至少一个动态 至少部分地基于秘密值，将动态值从非接触式芯片卡传送到移动设备，以及至少部分地基于动态值向用户传达认证数据。 在一些实施例中，第一输入值是个人识别码（PIN），挑战，或PIN和挑战。
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