公开(公告)号：US09881294B2

公开(公告)日：2018-01-30

申请号：US12349825

申请日：2009-01-07

申请人： Fred Bishop ,  Peter D. Saunders

发明人： Fred Bishop ,  Peter D. Saunders

IPC分类号： G06Q20/00 ,  G06Q20/32 ,  G06K19/077 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/06 ,  G07F7/08 ,  G07F7/10

CPC分类号： G06Q20/32 ,  G06K19/07749 ,  G06Q20/3226 ,  G06Q20/325 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/347 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q30/06 ,  G07F7/08 ,  G07F7/0833 ,  G07F7/0886 ,  G07F7/10 ,  G07F7/1008 ,  G07F7/1075

摘要： A nontraditional transaction device, for example a mobile device, may be employed to complete a transaction. The mobile device may utilize radio frequency (RF) communication and/or authentication to facilitate completion of a transaction. Secondary identification information, for example voice recognition data, biometric recognition data, or alphanumeric data, may be utilized for secondary end user authentication. For security reasons, the mobile device account data may transmitted after the secondary identification information is verified.

公开(公告)号：US20110289001A1

公开(公告)日：2011-11-24

申请号：US13181846

申请日：2011-07-13

申请人： Fred Bishop ,  Peter D. Saunders

发明人： Fred Bishop ,  Peter D. Saunders

IPC分类号： G06Q40/00

CPC分类号： G07C9/00111 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/20 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/40 ,  G07C9/00119 ,  G07F7/1083

摘要： Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other. The transaction device user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts. The transaction request may be processed in accordance with the user's allocations.

摘要翻译： 系统和方法被配置为管理与事务设备相关联的数据集。 例如，提供了一种用于促进由不同数据集所有者提供的交易设备上的不同数据集的管理的方法，其中不同的数据集可以包括不同的格式。 该方法包括以下步骤：通过读/写将第一数据集加到金融交易设备中，其中第一数据集由第一所有者拥有; 通过所述读/写设备将第二数据集合加到所述金融交易设备，其中所述第二数据集由第二所有者拥有; 以及根据所有者定义的格式将所述第一数据集和所述第二数据集存储在所述金融交易装置上。 第一和第二数据集分别与第一和第二所有者相关联，并且被配置为彼此独立地存储。 可以允许交易设备用户使用辅助标识符标记来选择用于交易完成的多个数据集中的至少一个。 在用户选择多个帐户进行交易完成的情况下，可以允许用户将交易的部分分配给所选择的交易账户。 交易请求可以根据用户的分配进行处理。

公开(公告)号：US20090140839A1

公开(公告)日：2009-06-04

申请号：US12367414

申请日：2009-02-06

申请人： Fred Bishop ,  Peter D. Saunders

发明人： Fred Bishop ,  Peter D. Saunders

IPC分类号： G05B19/00 ,  H04L9/32 ,  G06Q20/00

CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/327 ,  G06Q20/3572 ,  G06Q20/385 ,  G06Q20/4012 ,  G06Q20/4014

摘要： Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor

摘要翻译： 公开了使用非传统设备的交易和生物特征数据激活交易设备。 在非传统设备处形成交易请求，并且传送给读取器，其中非传统设备可以被配置有RFID设备。 在执行生物特征语音分析以验证RFID装备的非传统设备的载体是存储在其上的帐户信息的真实拥有者之后，RFID设备是不可操作的。 非传统设备在用户和验证系统之间提供管道以执行用户的生物测定语音分析。 当验证系统确定用户是存储在验证系统中的一个或多个帐户的真实所有者时，在验证系统之间促进购买交易。 可以进一步通过诸如蜂窝电话的非RF设备进行交易，所述非RF设备与收单/发行商或支付处理器直接通信

公开(公告)号：US20170061435A1

公开(公告)日：2017-03-02

申请号：US11160627

申请日：2005-06-30

申请人： David Armes ,  Fred Bishop ,  Peter D Saunders

发明人： David Armes ,  Fred Bishop ,  Peter D Saunders

IPC分类号： G06Q20/40 ,  G06Q20/38 ,  G06K7/00

CPC分类号： G06Q20/4012 ,  G06K7/0004 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/20 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/40145 ,  G06Q2220/00 ,  G07C9/00039 ,  G07C9/00087 ,  G07C9/00111 ,  G07C9/00119 ,  G07F7/1083

摘要： Systems and methods are configured to manage data sets associated with multiple transaction devices. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other The transaction devices user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts from multiple transaction devices.

摘要翻译： 系统和方法被配置为管理与多个事务设备相关联的数据集。 第一和第二数据集分别与第一和第二所有者相关联，并且被配置为彼此独立地存储。可以允许交易设备用户使用辅助标识符来选择用于交易完成的多个数据集中的至少一个 标记。 在用户选择多个帐户进行交易完成的情况下，可以允许用户从多个交易设备向所选择的交易账户分配交易的部分。

公开(公告)号：US07725427B2

公开(公告)日：2010-05-25

申请号：US10711613

申请日：2004-09-28

申请人： Fred Bishop ,  Peter D Saunders

发明人： Fred Bishop ,  Peter D Saunders

IPC分类号： G06F17/30 ,  G06F17/00

CPC分类号： G06Q30/04 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/14 ,  G06Q20/327 ,  G07C9/00111 ,  G07C9/00119 ,  Y10S707/95 ,  Y10S707/99954

摘要： An RF recurrent billing system in which an account number associated with a recurrent billing account is stored within an RF transaction device. The user of the RF transaction device may present the device for completing a transaction, and the transaction, if successfully completed, is billed to the user's recurrent billing account. The user is billed for the transaction during a billing cycle, typically occurring on a regular basis according to the recurrent billing account.

摘要翻译： RF周期性计费系统，其中与经常性计费帐户相关联的帐号存储在RF交易设备内。 RF交易设备的用户可以呈现用于完成交易的设备，并且如果成功完成，则该交易向用户的经常性结算帐户计费。 用户在结算周期内为交易收费，通常根据经常性的结算帐户定期进行。

公开(公告)号：US07735725B1

公开(公告)日：2010-06-15

申请号：US11160548

申请日：2005-06-28

申请人： Fred Bishop ,  Peter D Saunders

发明人： Fred Bishop ,  Peter D Saunders

IPC分类号： H04B1/00

CPC分类号： G07C9/00111 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/352 ,  G07C9/00119 ,  H04L9/3226 ,  H04L63/08 ,  H04L2209/56 ,  H04L2209/805

摘要： A system and method for securing a Radio Frequency (RF) transaction using a RF identification device transaction device is provided. The invention uses the routing number and customer identifying information associated with a transaction account to secure a RF transaction. Specifically, the customer identifying information is included in an encrypted payload that is provided to a merchant point-of-sale device in a unused field of the RF data transmission. The routing number is provided in the ordinary field location of the data transmission typically reserved for the transaction account number. Additionally, the encrypted payload is provided in the unused field of the data transmission. The routing number is used to locate the corresponding encryption key for validating the RF transaction device, the transaction account and/or customer identifying information without the need for the reader to encrypt the customer identifying information before providing a transaction request to an account issuer.

摘要翻译： 提供了一种使用RF识别设备交易设备来确保射频（RF）交易的系统和方法。 本发明使用与交易账户相关联的路由号码和客户识别信息来确保RF交易。 具体地，客户识别信息被包括在提供给RF数据传输的未使用领域中的商户销售点设备的加密有效载荷中。 在通常为交易帐号保留的数据传输的普通字段位置提供了路由号码。 此外，加密的有效载荷被提供在数据传输的未使用的字段中。 路由号码用于定位用于验证RF交易设备，交易账户和/或客户识别信息的相应加密密钥，而不需要读者在向帐户发行者提供交易请求之前加密客户识别信息。

公开(公告)号：US09031880B2

公开(公告)日：2015-05-12

申请号：US11552886

申请日：2006-10-25

申请人： Fred Bishop ,  Peter D Saunders

发明人： Fred Bishop ,  Peter D Saunders

IPC分类号： G06Q20/00 ,  G06Q30/06 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40

CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/327 ,  G06Q20/3572 ,  G06Q20/385 ,  G06Q20/4012 ,  G06Q20/4014

摘要： Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor.

摘要翻译： 公开了使用非传统设备的交易和生物特征数据激活交易设备。 在非传统设备处形成交易请求，并且传送给读取器，其中非传统设备可以被配置有RFID设备。 在执行生物特征语音分析以验证RFID装备的非传统设备的载体是存储在其上的帐户信息的真实拥有者之后，RFID设备是不可操作的。 非传统设备在用户和验证系统之间提供管道以执行用户的生物测定语音分析。 当验证系统确定用户是存储在验证系统中的一个或多个帐户的真实所有者时，在验证系统之间促进购买交易。 可以通过诸如与收单/发行商或支付处理器直接通信的蜂窝电话的非RF设备进一步执行交易。

公开(公告)号：USRE45416E1

公开(公告)日：2015-03-17

申请号：US13524685

申请日：2012-06-15

申请人： Fred Bishop ,  Peter D. Saunders

发明人： Fred Bishop ,  Peter D. Saunders

IPC分类号： H04L9/32 ,  H04B1/00

CPC分类号： G07C9/00111 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/20 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/40 ,  G07C9/00119 ,  G07F7/1083

摘要： A system and method for securing a Radio Frequency (RF) transaction using a RF identification device transaction device is provided. The invention uses the routing number and customer identifying information associated with a transaction account to secure a RF transaction. Specifically, the customer identifying information is included in an encrypted payload that is provided to a merchant point-of-sale device in a unused field of the RF data transmission. The routing number is provided in the ordinary field location of the data transmission typically reserved for the transaction account number. Additionally, the encrypted payload is provided in the unused field of the data transmission. The routing number is used to locate the corresponding encryption key for validating the RF transaction device, the transaction account and/or customer identifying information without the need for the reader to encrypt the customer identifying information before providing a transaction request to an account issuer.

摘要翻译： 提供了一种使用RF识别设备交易设备来确保射频（RF）交易的系统和方法。 本发明使用与交易账户相关联的路由号码和客户识别信息来确保RF交易。 具体地，客户识别信息被包括在提供给RF数据传输的未使用领域中的商户销售点设备的加密有效载荷中。 在通常为交易帐号保留的数据传输的普通字段位置提供了路由号码。 此外，加密的有效载荷被提供在数据传输的未使用的字段中。 路由号码用于定位用于验证RF交易设备，交易账户和/或客户识别信息的相应加密密钥，而不需要读者在向帐户发行者提供交易请求之前加密客户识别信息。

公开(公告)号：US08655789B2

公开(公告)日：2014-02-18

申请号：US12367414

申请日：2009-02-06

申请人： Fred Bishop ,  Peter D. Saunders

发明人： Fred Bishop ,  Peter D. Saunders

IPC分类号： G06Q20/00

CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/327 ,  G06Q20/3572 ,  G06Q20/385 ,  G06Q20/4012 ,  G06Q20/4014

摘要： Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor.

摘要翻译： 公开了使用非传统设备的交易和生物特征数据激活交易设备。 在非传统设备处形成交易请求，并且传送给读取器，其中非传统设备可以被配置有RFID设备。 在执行生物特征语音分析以验证RFID装备的非传统设备的载体是存储在其上的帐户信息的真实拥有者之后，RFID设备是不可操作的。 非传统设备在用户和验证系统之间提供管道以执行用户的生物测定语音分析。 当验证系统确定用户是存储在验证系统中的一个或多个帐户的真实所有者时，在验证系统之间促进购买交易。 可以通过诸如与收单/发行商或支付处理器直接通信的蜂窝电话的非RF设备进一步执行交易。

公开(公告)号：US08423475B2

公开(公告)日：2013-04-16

申请号：US13181846

申请日：2011-07-13

申请人： Fred Bishop ,  Peter D. Saunders

发明人： Fred Bishop ,  Peter D. Saunders

IPC分类号： G06Q20/00

CPC分类号： G07C9/00111 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/20 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/40 ,  G07C9/00119 ,  G07F7/1083

摘要： Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other. The transaction device user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts. The transaction request may be processed in accordance with the user's allocations.

摘要翻译： 系统和方法被配置为管理与事务设备相关联的数据集。 例如，提供了一种用于促进由不同数据集所有者提供的交易设备上的不同数据集的管理的方法，其中不同的数据集可以包括不同的格式。 该方法包括以下步骤：通过读/写将第一数据集加到金融交易设备中，其中第一数据集由第一所有者拥有; 通过所述读/写设备将第二数据集合加到所述金融交易设备，其中所述第二数据集由第二所有者拥有; 以及根据所有者定义的格式将所述第一数据集和所述第二数据集存储在所述金融交易装置上。 第一和第二数据集分别与第一和第二所有者相关联，并且被配置为彼此独立地存储。 可以允许交易设备用户使用辅助标识符标记来选择用于交易完成的多个数据集中的至少一个。 在用户选择多个帐户进行交易完成的情况下，可以允许用户将交易的部分分配给所选择的交易账户。 交易请求可以根据用户的分配进行处理。