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1.发明授权Collision detection and avoidance scheme for contactless card payment systems 有权非接触式卡支付系统的碰撞检测和避免方案公开(公告)号：US07717346B2
公开(公告)日：2010-05-18
申请号：US11182355
申请日：2005-07-15
IPC分类号： G06K7/00
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： An electronic payment system for conducting transactions by presenting a contactless payment card to a card reader. The card reader processes transactions when only one card is present in its operating field. The card reader uses collision detection and avoidance algorithms to detect and report instances where multiple cards are present in the operating field. In response to a reported collision, the collision may be cleared by manual intervention, i.e., by physically removing excess cards from the reader's operating field.
摘要翻译： 一种用于通过向读卡器呈现非接触式支付卡进行交易的电子支付系统。 读卡器在其操作区域中只有一张卡片时处理交易。 读卡器使用碰撞检测和避免算法来检测和报告操作区域中存在多张卡的情况。 响应于所报告的碰撞，可以通过手动干预来清除冲突，即通过从读取器的操作区域物理移除多余的卡。
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公开(公告)号：US07424977B2
公开(公告)日：2008-09-16
申请号：US11182354
申请日：2005-07-15
IPC分类号： G06K7/00
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： A system and method for enhancing functional interoperability of contactless payment devices that are used for conducting electronic payment transactions between consumers and merchants. The contactless payment devices include RFID-embedded cards issued to consumers and proximity coupling devices such as RFID-enabled readers deployed by merchants. The system and method involve use of a reference card and a reference reader to establish acceptable specifications for issued cards and deployed readers, respectively. The reference card and reference reader are cross-calibrated to link the operational specifications for the cards and the readers. A suitable selection of overlapping specification ranges or tolerances for proper card and reader functions, the enhances the interoperability of the issued cards with a deployed reader, and also the interoperability of deployed readers with an issued card.
摘要翻译： 一种用于增强用于在消费者和商家之间进行电子支付交易的非接触支付设备的功能性互操作性的系统和方法。 非接触式支付设备包括向消费者发放的RFID嵌入式卡，以及由商家部署的诸如支持RFID的读取器等接近耦合设备。 该系统和方法涉及使用参考卡和参考读取器来分别为已发行的卡和部署的读取器建立可接受的规范。 参考卡和参考读取器被交叉校准，以链接卡和读取器的操作规范。 适当选择适当的卡和读卡器功能的重叠规范范围或公差，增强已发布卡与部署读卡器的互操作性，以及部署的读卡器与已发卡的互操作性。
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3.发明授权公开(公告)号：US07520435B2
公开(公告)日：2009-04-21
申请号：US11182356
申请日：2005-07-15
IPC分类号： G06K7/00
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： A contactless payment card reader has a frusto-conical operating volume. The frusto-conical shaped operating volume has defined magnetic field strengths for powering and communicating with proximity payment cards. The reader can serve as a reference reader, which is representative of product readers deployed in contactless payment card systems, to test product contactless payment cards under conditions that simulate field use of the cards.
摘要翻译： 非接触式支付卡读卡器具有截头圆锥形操作量。 截头圆锥形操作体积已经限定了用于为接近支付卡供电和通信的磁场强度。 读者可以作为参考读者，它是部署在非接触式支付卡系统中的产品读者的代表，可以在模拟卡的实地使用的条件下测试产品非接触式支付卡。
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公开(公告)号：US07431217B2
公开(公告)日：2008-10-07
申请号：US11182357
申请日：2005-07-15
IPC分类号： G06K19/05
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment is designed to simulate the external behavior of a variety of payment devices that are currently or expected to be deployed in electronic payment systems. Further, the reference equipment is configured to subject devices under test to extreme behaviors which are expected in field use or which are representative of a large class of payment devices. The external behaviors may relate to functional parameters, for example, power consumption, resonance frequency, Q-factor, modulation depth, noise, and timing. Exemplary reference devices are configured to exhibit representative external behavior, which is an empirically determined average behavior of the product devices in the field. Use of the reference equipment for product specification compliance testing will enhance the interoperability of product payment devices.
摘要翻译： 提供包括参考卡和参考读取器的参考设备用于测试卡和读卡器等电子支付设备。 参考设备旨在模拟目前或预期部署在电子支付系统中的各种支付设备的外部行为。 此外，参考设备被配置为使被测设备受到现场使用期望的或者代表大类支付设备的极端行为。 外部行为可能与功能参数有关，例如功耗，谐振频率，Q因子，调制深度，噪声和时序。 示例性参考装置被配置为表现出代表性的外部行为，其是本领域中产品装置的经验确定的平均行为。 使用参考设备进行产品规格一致性测试将增强产品支付设备的互操作性。
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公开(公告)号：US07422157B2
公开(公告)日：2008-09-09
申请号：US11182358
申请日：2005-07-15
IPC分类号： G06K7/00
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： A reference reader is provided for testing contactless electronic payment cards whose data transmissions are via weak load modulated RF carrier signals. The reference reader includes a reader antenna and a coupled common mode rejection circuit. The common mode rejection circuit is configured to demodulate carrier signals received at the reader antenna to retrieve payment card data signals having low modulation indices.
摘要翻译： 提供了一种用于测试非接触电子支付卡的参考读取器，其数据传输通过弱负载调制的RF载波信号。 参考读取器包括读取器天线和耦合的共模抑制电路。 共模抑制电路被配置为解调在读取器天线处接收到的载波信号，以检索具有低调制指数的支付卡数据信号。
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公开(公告)号：US07775445B2
公开(公告)日：2010-08-17
申请号：US12099460
申请日：2008-04-08
IPC分类号： G06K19/05
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment is designed to simulate the external behavior of a variety of payment devices that are currently or expected to be deployed in electronic payment systems. Further, the reference equipment is configured to subject devices under test to extreme behaviors which are expected in field use or which are representative of a large class of payment devices. The external behaviors may relate to functional parameters, for example, power consumption, resonance frequency, Q-factor, modulation depth, noise, and timing. Exemplary reference devices are configured to exhibit representative external behavior, which is an empirically determined average behavior of the product devices in the field. Use of the reference equipment for product specification compliance testing will enhance the interoperability of product payment devices.
摘要翻译： 提供包括参考卡和参考读取器的参考设备用于测试卡和读卡器等电子支付设备。 参考设备旨在模拟目前或预期部署在电子支付系统中的各种支付设备的外部行为。 此外，参考设备被配置为使被测设备受到现场使用期望的或者代表大类支付设备的极端行为。 外部行为可能与功能参数有关，例如功耗，谐振频率，Q因子，调制深度，噪声和时序。 示例性参考装置被配置为表现出代表性的外部行为，其是本领域中产品装置的经验确定的平均行为。 使用参考设备进行产品规格一致性测试将增强产品支付设备的互操作性。
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公开(公告)号：US20080191031A1
公开(公告)日：2008-08-14
申请号：US12099460
申请日：2008-04-08
IPC分类号： G06K19/067
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment is designed to simulate the external behavior of a variety of payment devices that are currently or expected to be deployed in electronic payment systems. Further, the reference equipment is configured to subject devices under test to extreme behaviors which are expected in field use or which are representative of a large class of payment devices. The external behaviors may relate to functional parameters, for example, power consumption, resonance frequency, Q-factor, modulation depth, noise, and timing. Exemplary reference devices are configured to exhibit representative external behavior, which is an empirically determined average behavior of the product devices in the field. Use of the reference equipment for product specification compliance testing will enhance the interoperability of product payment devices.
摘要翻译： 提供包括参考卡和参考读取器的参考设备用于测试卡和读卡器等电子支付设备。 参考设备旨在模拟目前或预期部署在电子支付系统中的各种支付设备的外部行为。 此外，参考设备被配置为使被测设备受到现场使用期望的或者代表大类支付设备的极端行为。 外部行为可能与功能参数有关，例如功耗，谐振频率，Q因子，调制深度，噪声和时序。 示例性参考装置被配置为表现出代表性的外部行为，其是本领域中产品装置的经验确定的平均行为。 使用参考设备进行产品规格一致性测试将增强产品支付设备的互操作性。
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8.发明授权Method and system using a bitmap for passing contactless payment card transaction variables in standardized data formats 有权方法和系统使用位图，以标准化数据格式传递非接触式支付卡交易变量公开(公告)号：US07866552B2
公开(公告)日：2011-01-11
申请号：US12685450
申请日：2010-01-11
IPC分类号： G06K5/00
CPC分类号： G07F7/1008 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/346 , G06Q20/357 , G06Q20/4018 , G07F7/084
摘要： An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures or tracks. The proximity payment card transaction data such a dynamic authentication codes are placed in unused space in the same standard formatted data structures. The availability of unused space varies with card issuer or vendor. An issuer-specific bitmap provides an index to the available space in discretionary data fields in magnetic stripe tracks. The bitmap also is stored in the card's discretionary data field.
摘要翻译： 电子支付系统被配置为处理接近支付卡类型和磁条卡类型交易。 磁卡交易数据在卡，读卡器和授权或批准通用行业ISO 7811标准数据结构或轨道中的各方之间进行通信。 将接近支付卡交易数据（诸如动态认证码）放置在相同标准格式化数据结构中的未使用空间中。 未使用的空间的可用性因发卡机构或供应商而异。 发行人特定位图为磁条轨迹中的自由数据字段中的可用空间提供索引。 位图也存储在卡的自由裁量数据字段中。
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9.发明申请Method and System Using a Bitmap for Passing Contactless Payment Card Transaction Variables in Standardized Data Formats 有权使用位图传递标准化数据格式的非接触式支付卡交易变量的方法和系统公开(公告)号：US20100108758A1
公开(公告)日：2010-05-06
申请号：US12685450
申请日：2010-01-11
CPC分类号： G07F7/1008 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/346 , G06Q20/357 , G06Q20/4018 , G07F7/084
摘要： An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures or tracks. The proximity payment card transaction data such a dynamic authentication codes are placed in unused space in the same standard formatted data structures. The availability of unused space varies with card issuer or vendor. An issuer-specific bitmap provides an index to the available space in discretionary data fields in magnetic stripe tracks. The bitmap also is stored in the card's discretionary data field.
摘要翻译： 电子支付系统被配置为处理接近支付卡类型和磁条卡类型交易。 磁卡交易数据在卡，读卡器和授权或批准通用行业ISO 7811标准数据结构或轨道中的各方之间进行通信。 将接近支付卡交易数据（诸如动态认证码）放置在相同标准格式化数据结构中的未使用空间中。 未使用的空间的可用性因发卡机构或供应商而异。 发行人特定位图为磁条轨迹中的自由数据字段中的可用空间提供索引。 位图也存储在卡的自由裁量数据字段中。
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10.发明授权Method and system using a bitmap for passing contactless payment card transaction variables in standardized data formats 有权方法和系统使用位图，以标准化数据格式传递非接触式支付卡交易变量公开(公告)号：US07669772B2
公开(公告)日：2010-03-02
申请号：US11182351
申请日：2005-07-15
IPC分类号： G06K19/06
CPC分类号： G07F7/1008 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/346 , G06Q20/357 , G06Q20/4018 , G07F7/084
摘要： An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures or tracks. The proximity payment card transaction data such a dynamic authentication codes are placed in unused space in the same standard formatted data structures. The availability of unused space varies with card issuer or vendor. An issuer-specific bitmap provides an index to the available space in discretionary data fields in magnetic stripe tracks. The bitmap also is stored in the card's discretionary data field.
摘要翻译： 电子支付系统被配置为处理接近支付卡类型和磁条卡类型交易。 磁卡交易数据在卡，读卡器和授权或批准通用行业ISO 7811标准数据结构或轨道中的各方之间进行通信。 将接近支付卡交易数据（诸如动态认证码）放置在相同标准格式化数据结构中的未使用空间中。 未使用的空间的可用性因发卡机构或供应商而异。 发行人特定位图为磁条轨迹中的自由数据字段中的可用空间提供索引。 位图也存储在卡的自由裁量数据字段中。
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