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公开(公告)号：US09721319B2
公开(公告)日：2017-08-01
申请号：US13432778
申请日：2012-03-28
申请人： Patrik Smets , David A. Roberts , Simon Phillips , John Gaitanos , Mehdi Collinge , Jonathan James Main
发明人： Patrik Smets , David A. Roberts , Simon Phillips , John Gaitanos , Mehdi Collinge , Jonathan James Main
摘要： Example embodiments include methods and apparatus for exchanging, using a contactless interface included in a portable device, transaction information associated with an electronic merchant device when the portable device is brought into close proximity to a contactless interface associated with the electronic merchant device, with the information identifying the electronic merchant device and identifying a handover wireless network connected to the electronic merchant device and with information including security credentials required to form a secure connection, establishing a persistent, secure wireless connection with the electronic merchant device, using a wireless network interface in the portable device and the transaction information, over the handover wireless network and exchanging transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval.
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公开(公告)号：US20130097080A1
公开(公告)日：2013-04-18
申请号：US13432778
申请日：2012-03-28
申请人： Patrik Smets , David A. Roberts , Simon Phillips , John Gaitanos , Mehdi Collinge , Jonathan James Main
发明人： Patrik Smets , David A. Roberts , Simon Phillips , John Gaitanos , Mehdi Collinge , Jonathan James Main
摘要： Example embodiments include methods and apparatus for exchanging, using a contactless interface included in a portable device, transaction information associated with an electronic merchant device when the portable device is brought into close proximity to a contactless interface associated with the electronic merchant device, with the information identifying the electronic merchant device and identifying a handover wireless network connected to the electronic merchant device and with information including security credentials required to form a secure connection, establishing a persistent, secure wireless connection with the electronic merchant device, using a wireless network interface in the portable device and the transaction information, over the handover wireless network and exchanging transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval.
摘要翻译： 示例性实施例包括用于当便携式设备紧密接近与电子商家设备相关联的非接触式接口时，使用包括在便携式设备中的非接触式接口交换与电子商家设备相关联的交易信息的方法和设备， 识别所述电子商家装置并识别连接到所述电子商家装置的切换无线网络，以及包括形成安全连接所需的安全凭证的信息，使用所述电子商务装置中的无线网络接口建立与所述电子商家装置的持久的，安全的无线连接 便携式设备和交易信息，通过移交无线网络，并且在购物间隔期间通过持续的，安全的无线连接在便携式设备和电子商家设备之间交换交易消息。
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公开(公告)号：US20130282459A1
公开(公告)日：2013-10-24
申请号：US13451770
申请日：2012-04-20
申请人： Patrik Smets , David A. Roberts , Jonathan Main
发明人： Patrik Smets , David A. Roberts , Jonathan Main
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0207 , G06Q20/045 , G06Q20/322 , G06Q20/387 , G06Q30/0238
摘要： Presented are apparatus and methods for utilizing coupons and the like in the context of a contactless payment process. A processor of a payment-enabled mobile device stores a Proximity Coupon System Environment (PCSE). The PCSE includes coupon applications that provide for an alternative form of payment and/or that influence a final transaction amount for a payment transaction. The method includes storing in a File Control Information (FCI) file of the PCSE a list of the coupon applications, and storing in a FCI file of a Proximity Payment System Environment (PPSE) an indication of the existence of the PCSE. When a payment transaction request is received from a proximity reader, the payment-enabled mobile device transmits the indication of the existence of the PCSE and the list of coupon applications that are to be considered before determining the final transaction amount.
摘要翻译： 提出了在非接触式支付过程的背景下利用优惠券等的装置和方法。 支付支付移动设备的处理器存储接近优惠券系统环境（PCSE）。 PCSE包括提供替代付款方式和/或影响支付交易的最终交易金额的息票申请。 该方法包括将PCSE的文件控制信息（FCI）文件存储在优惠券应用的列表中，并将接近支付系统环境（PPSE）的FCI文件存储在PCSE的存在的指示上。 当从接近读取器接收到支付交易请求时，支付支付的移动设备在确定最终交易金额之前发送PCSE的存在的指示和要考虑的优惠券应用的列表。
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4.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：US07681788B2
公开(公告)日：2010-03-23
申请号：US12102472
申请日：2008-04-14
IPC分类号： G06K5/00
CPC分类号： G06Q20/045 , G06Q20/18
摘要： Payment transactions using a payment infrastructure are efficiently combined with e-merchandise transactions using an e-merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function. An electronic payment device configured according to the payment infrastructure is interrogated by a payment module (also configured according to the payment infrastructure) of a first terminal to obtain financial data. Electronic merchandise-related information is generated by an electronic merchandise module (configured according to the electronic merchandise infrastructure) of the first terminal, and such information is transferred to the electronic payment device within a transaction conducted in accordance with the financial data and the payment infrastructure.
摘要翻译： 使用支付基础设施的付款交易可以使用电子商品基础设施与电子商品交易有效结合，同时允许每个基础设施集中在其主要功能上。 根据支付基础设施配置的电子支付设备由第一终端的支付模块（也根据支付基础设施配置）进行询问以获得财务数据。 电子商品相关信息由第一终端的电子商品模块（根据电子商品基础设施配置）产生，并且在根据财务数据和支付基础设施进行的交易中将这些信息传送到电子支付设备 。
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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：US07374082B2
公开(公告)日：2008-05-20
申请号：US11478185
申请日：2006-06-29
IPC分类号： G06K5/00
CPC分类号： G06Q20/045 , G06Q20/18
摘要： Payment transactions using a payment infrastructure are efficiently combined with e-merchandise transactions using an e-merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function. An electronic payment device configured according to the payment infrastructure is interrogated by a payment module (also configured according to the payment infrastructure) of a first terminal to obtain financial data. Electronic merchandise-related information is generated by an electronic merchandise module (configured according to the electronic merchandise infrastructure) of the first terminal, and such information is transferred to the electronic payment device within a transaction conducted in accordance with the financial data and the payment infrastructure.
摘要翻译： 使用支付基础设施的付款交易可以使用电子商品基础设施与电子商品交易有效结合，同时允许每个基础设施集中在其主要功能上。 根据支付基础设施配置的电子支付设备由第一终端的支付模块（也根据支付基础设施配置）进行询问以获得财务数据。 电子商品相关信息由第一终端的电子商品模块（根据电子商品基础设施配置）产生，并且在根据财务数据和支付基础设施进行的交易中将这些信息传送到电子支付设备 。
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6.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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7.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
申请人： Michael C. Ward , Patrik Smets , David A. Roberts , Duncan Garrett , John Beric , Stuart Miller
发明人： Michael C. Ward , Patrik Smets , David A. Roberts , Duncan Garrett , John Beric , Stuart Miller
CPC分类号： G06Q20/3829 , G06Q20/02 , G06Q20/341 , G06Q20/40975 , G07B15/00 , G07F7/10 , G07F7/1008
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。
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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：US20080251580A1
公开(公告)日：2008-10-16
申请号：US12102472
申请日：2008-04-14
IPC分类号： G06K5/00
CPC分类号： G06Q20/045 , G06Q20/18
摘要： Payment transactions using a payment infrastructure are efficiently combined with e-merchandise transactions using an e-merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function. An electronic payment device configured according to the payment infrastructure is interrogated by a payment module (also configured according to the payment infrastructure) of a first terminal to obtain financial data. Electronic merchandise-related information is generated by an electronic merchandise module (configured according to the electronic merchandise infrastructure) of the first terminal, and such information is transferred to the electronic payment device within a transaction conducted in accordance with the financial data and the payment infrastructure.
摘要翻译： 使用支付基础设施的付款交易可以使用电子商品基础设施与电子商品交易有效结合，同时允许每个基础设施集中在其主要功能上。 根据支付基础设施配置的电子支付设备由第一终端的支付模块（也根据支付基础设施配置）进行询问以获得财务数据。 电子商品相关信息由第一终端的电子商品模块（根据电子商品基础设施配置）产生，并且在根据财务数据和支付基础设施进行的交易中将这些信息传送到电子支付设备 。
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公开(公告)号：US10290013B2
公开(公告)日：2019-05-14
申请号：US13451770
申请日：2012-04-20
申请人： Patrik Smets , David A. Roberts , Jonathan Main
发明人： Patrik Smets , David A. Roberts , Jonathan Main
摘要： Presented are apparatus and methods for utilizing coupons and the like in the context of a contactless payment process. A processor of a payment-enabled mobile device stores a Proximity Coupon System Environment (PCSE). The PCSE includes coupon applications that provide for an alternative form of payment and/or that influence a final transaction amount for a payment transaction. The method includes storing in a File Control Information (FCI) file of the PCSE a list of the coupon applications, and storing in a FCI file of a Proximity Payment System Environment (PPSE) an indication of the existence of the PCSE. When a payment transaction request is received from a proximity reader, the payment-enabled mobile device transmits the indication of the existence of the PCSE and the list of coupon applications that are to be considered before determining the final transaction amount.
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10.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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