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公开(公告)号：USD490840S1
公开(公告)日：2004-06-01
申请号：US29170080
申请日：2002-10-30
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公开(公告)号：US07252232B2
公开(公告)日：2007-08-07
申请号：US11355356
申请日：2006-02-15
IPC分类号： G06K7/08
CPC分类号： G07G1/0018 , G06K7/084 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/322 , G06Q20/3278 , G06Q20/3572 , G06Q20/363 , G06Q20/4037 , G07F7/08 , G07F7/0866
摘要： An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.
摘要翻译： 适配器允许磁条读卡器从其他介质（例如无线接近芯片卡）接收信息，同时保持接收磁条卡的能力。 根据一个实施例，适配器包括具有足够窄宽度的模拟结构，以基本上永久地配合在磁条读取装置的狭槽内，同时为磁条卡提供充足的空间，同时容纳在槽内并由 读者头。 模拟结构可以与诸如RF和IR的无线通信的一个或多个收发器进行电子通信。
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3.发明授权Micropayment financial transaction process utilizing wireless network processing 失效使用无线网络处理的小额金融交易流程公开(公告)号：US07127236B2
公开(公告)日：2006-10-24
申请号：US10323593
申请日：2002-12-18
CPC分类号： G07F7/1008 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/29 , G06Q20/32 , G06Q20/322 , G06Q20/327 , G06Q20/341 , G06Q20/3572 , G06Q20/363 , G06Q20/388 , G06Q20/4014 , G06Q20/4037 , G07F7/08 , G07F7/0866 , G07F7/088 , G07F7/0886 , G07F7/0893
摘要： A MicroAdapter device enables payment transactions to be effected through a purchaser's personal trusted device (PTD) without relying upon tokens or prepayment cards. In one embodiment, the MicroAdapter includes a transceiver configured to receive a purchase signal from the PTD including order and payment information. In response, the MicroAdapter communicates via wireless telephony with a transaction authorizer to receive authorization for effectuating the purchase transaction. The MicroAdapter may be particularly suited to effectuate micropayment transactions authorized by a Billing On Behalf of Others (BOBO) program administered through a wireless carrier/ISP or third party.
摘要翻译： MicroAdapter设备使支付交易能够通过购买者的个人信任设备（PTD）实现，而不依赖于令牌或预付卡。 在一个实施例中，MicroAdapter包括被配置为从PTD接收包括订单和支付信息的购买信号的收发器。 作为回应，MicroAdapter通过无线电话与交易授权者进行通信，以接收授权以实现购买交易。 MicroAdapter可能特别适用于通过无线运营商/ ISP或第三方管理的通过其他计费（BOBO）计费授权的微支付交易。
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公开(公告)号：US07051932B2
公开(公告)日：2006-05-30
申请号：US10306618
申请日：2002-11-27
IPC分类号： G06K7/08
CPC分类号： G07G1/0018 , G06K7/084 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/322 , G06Q20/3278 , G06Q20/3572 , G06Q20/363 , G06Q20/4037 , G07F7/08 , G07F7/0866
摘要： An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.
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公开(公告)号：US07028897B2
公开(公告)日：2006-04-18
申请号：US10327638
申请日：2002-12-19
IPC分类号： G06K7/08
CPC分类号： G07F7/08 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/29 , G06Q20/32 , G06Q20/322 , G06Q20/327 , G06Q20/3278 , G06Q20/3572 , G06Q20/363 , G06Q20/388 , G06Q20/4014 , G06Q20/4037 , G06Q20/425 , G07F7/0866 , G07G1/0018
摘要： An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.
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6.发明申请公开(公告)号：US20130015241A1
公开(公告)日：2013-01-17
申请号：US13584553
申请日：2012-08-13
IPC分类号： G06Q20/34
CPC分类号： G06Q20/04 , G06Q20/12 , G06Q20/223 , G06Q20/24 , G06Q20/32 , G06Q20/322 , G06Q20/3227
摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.
摘要翻译： 提供了用于移动个人信任设备金融交易的谈判技术的技术。 移动个人信任设备的用户设置定义用户进行金融交易的优选参数的用户偏好。 商家设定商人偏好，其定义了商人进行金融交易的首选参数。 当金融交易发起时，访问用户偏好和商家偏好。 生成适应用户偏好和商家偏好的协商偏好。 如果用户偏好和商家偏好不是相互排斥的，则协商的偏好尝试满足两个偏好。 如果用户偏好和商家偏好是相互排斥的，则基于两个偏好中哪一个具有较高优先级的协商偏好来满足两个偏好中的至少一个。 金融交易是根据谈判的偏好进行的。
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7.发明授权公开(公告)号：US07494055B2
公开(公告)日：2009-02-24
申请号：US11137682
申请日：2005-05-24
IPC分类号： G06K5/00
CPC分类号： G06Q20/04 , G06Q20/12 , G06Q20/223 , G06Q20/24 , G06Q20/32 , G06Q20/322 , G06Q20/3227
摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.
摘要翻译： 提供了用于移动个人信任设备金融交易的谈判技术的技术。 移动个人信任设备的用户设置定义用户进行金融交易的优选参数的用户偏好。 商家设定商人偏好，其定义了商人进行金融交易的首选参数。 当金融交易发起时，访问用户偏好和商家偏好。 生成适应用户偏好和商家偏好的协商偏好。 如果用户偏好和商家偏好不是相互排斥的，则协商的偏好尝试满足两个偏好。 如果用户偏好和商家偏好是相互排斥的，则基于两个偏好中哪一个具有较高优先级的协商偏好来满足两个偏好中的至少一个。 金融交易是根据谈判的偏好进行的。
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公开(公告)号：US07114652B2
公开(公告)日：2006-10-03
申请号：US11243008
申请日：2005-10-03
申请人： Bruce Lyle Moullette , Mohammad A. Khan , Jorge M. Fernandes , Ahmer Ali Khan , Anna C. Stockel
发明人： Bruce Lyle Moullette , Mohammad A. Khan , Jorge M. Fernandes , Ahmer Ali Khan , Anna C. Stockel
IPC分类号： G06K7/08
CPC分类号： G06K7/084 , G06K7/0004 , G06K19/06206 , G06Q20/352 , G07F7/08 , G07F7/0833 , G07F7/088
摘要： An adaptor in accordance with the present invention allows a conventional magnetic stripe card POS reader to receive information from contact-based or wireless sources while maintaining the concurrent ability of the reader to interact with a magnetic stripe card. In accordance with one embodiment of the present invention, the adaptor includes an inductor capable of generating a magnetic field of sufficient power to couple with a head of a magnetic stripe card reader through the housing of the reader device. In this manner, the adaptor can be positioned external to the reader device, leaving the slot of the reader accessible for conventional interactions with magnetic stripe cards. Selective inductive communication with individual heads of the reader device may exploit their differing sensitivity to external magnetic fields generated by the adaptor.
摘要翻译： 根据本发明的适配器允许常规磁条卡POS读取器从基于联系人或无线源接收信息，同时保持读取器与磁条卡的交互的并发能力。 根据本发明的一个实施例，适配器包括电感器，其能够产生足够功率的磁场，以通过读取器装置的壳体与磁条读卡器的头部耦合。 以这种方式，适配器可以位于读取器设备的外部，使读取器的槽可以与用于与磁条卡的常规相互作用接近。 与读取器设备的单独头部的选择性感应通信可以利用它们对由适配器产生的外部磁场的不同灵敏度。
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9.发明授权公开(公告)号：US08240557B2
公开(公告)日：2012-08-14
申请号：US12287283
申请日：2008-10-07
IPC分类号： G06K5/00
CPC分类号： G06Q20/04 , G06Q20/12 , G06Q20/223 , G06Q20/24 , G06Q20/32 , G06Q20/322 , G06Q20/3227
摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.
摘要翻译： 提供了用于移动个人信任设备金融交易的谈判技术的技术。 移动个人信任设备的用户设置定义用户进行金融交易的优选参数的用户偏好。 商家设定商人偏好，其定义了商人进行金融交易的首选参数。 当金融交易发起时，访问用户偏好和商家偏好。 生成适应用户偏好和商家偏好的协商偏好。 如果用户偏好和商家偏好不是相互排斥的，则协商的偏好尝试满足两个偏好。 如果用户偏好和商家偏好是相互排斥的，则基于两个偏好中哪一个具有较高优先级的协商偏好来满足两个偏好中的至少一个。 金融交易是根据谈判的偏好进行的。
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10.发明申请公开(公告)号：US20090108064A1
公开(公告)日：2009-04-30
申请号：US12287283
申请日：2008-10-07
IPC分类号： G06K5/00
CPC分类号： G06Q20/04 , G06Q20/12 , G06Q20/223 , G06Q20/24 , G06Q20/32 , G06Q20/322 , G06Q20/3227
摘要： Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.
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