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公开(公告)号：US20180072089A1
公开(公告)日：2018-03-15
申请号：US15818442
申请日：2017-11-20
申请人： Sonia Reed , Kenneth M. Sippola , William Alexander Thaw , Mustafa Top , William B. Bedwell , Steven Crouch-Baker , Francis Louis Tanzella , Esperanza Alvarez , John Stephens Stotts
发明人： Sonia Reed , Kenneth M. Sippola , William Alexander Thaw , Mustafa Top , William B. Bedwell , Steven Crouch-Baker , Francis Louis Tanzella , Esperanza Alvarez , John Stephens Stotts
IPC分类号： B42D25/45 , G06K19/06 , G06K19/077 , B05D5/06 , G06K19/02 , B42D25/00 , G07F7/08 , B42D25/373
CPC分类号： B42D25/45 , B05D5/067 , B05D2506/25 , B05D2601/10 , B42D25/00 , B42D25/373 , G06K19/02 , G06K19/022 , G06K19/06187 , G06K19/07749 , G07F7/0806 , Y10T29/49885
摘要： Embodiments of the invention relate to payment cards and methods for making payment cards. In one embodiment, a card comprises a first layer and a second layer adjacent to the first layer. The second layer comprises a plurality of particles comprising metal, and the plurality of particles comprise at least about 15 volume % of the second layer. In another embodiment, a mixture is prepared comprising polymer and a plurality of particles comprising metal. The plurality of particles comprise at least about 15 volume % of the mixture. The mixture is pressed and an outer layer is applied. The mixture and outer layer are then cut to form the card.
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2.发明申请System and Method for Temporarily Enabling Proprietary Transit Payments on a Hotel Room Key 有权在酒店客房钥匙上临时启用专有运输支付的系统和方法公开(公告)号：US20110166995A1
公开(公告)日：2011-07-07
申请号：US12944057
申请日：2010-11-11
CPC分类号： G06Q20/14 , G06Q10/10 , G06Q20/102 , G06Q20/28 , G06Q20/40 , G06Q50/30 , G07C9/00103 , G07C9/00119 , G07F17/0014
摘要： One embodiment of the invention is directed to a system comprising a database and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising: receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio. Another embodiment of the invention is directed to a method, the method comprising receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio
摘要翻译： 本发明的一个实施例涉及包括耦合到数据库的数据库和服务器计算机的系统，其中服务器计算机包括耦合到处理器的处理器和计算机可读存储介质，该计算机可读存储介质包括可由 用于实现一种方法的处理器，包括：接收中转交易数据，基于过境交易数据确定酒店，以及将过境交易数据发送到酒店，其中酒店将转运交易数据转交到酒店对开 。 本发明的另一个实施例涉及一种方法，所述方法包括接收中转交易数据，基于所述过境交易数据确定酒店，以及将所述过境交易数据发送到所述酒店，其中所述酒店基于所述过境 交易数据到酒店对开
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3.发明授权System and method for temporarily enabling proprietary transit payments on a hotel room key 有权在酒店房间钥匙上临时启用专有转账支付的系统和方法公开(公告)号：US09098843B2
公开(公告)日：2015-08-04
申请号：US12944057
申请日：2010-11-11
CPC分类号： G06Q20/14 , G06Q10/10 , G06Q20/102 , G06Q20/28 , G06Q20/40 , G06Q50/30 , G07C9/00103 , G07C9/00119 , G07F17/0014
摘要： One embodiment of the invention is directed to a system comprising a database and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising: receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio. Another embodiment of the invention is directed to a method, the method comprising receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio.
摘要翻译： 本发明的一个实施例涉及包括耦合到数据库的数据库和服务器计算机的系统，其中服务器计算机包括耦合到处理器的处理器和计算机可读存储介质，该计算机可读存储介质包括可由 用于实现一种方法的处理器，包括：接收中转交易数据，基于过境交易数据确定酒店，以及将过境交易数据发送到酒店，其中酒店将转运交易数据转交到酒店对开 。 本发明的另一个实施例涉及一种方法，所述方法包括接收中转交易数据，基于所述过境交易数据确定酒店，以及将所述过境交易数据发送到所述酒店，其中所述酒店基于所述过境 交易数据到酒店对开。
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公开(公告)号：US08412640B2
公开(公告)日：2013-04-02
申请号：US12883919
申请日：2010-09-16
IPC分类号： G06F17/60
CPC分类号： G06Q20/4016 , G06Q20/027 , G06Q20/04 , G06Q20/085 , G06Q20/0855 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q20/3821 , G06Q20/40 , G06Q20/401 , G07B15/00
摘要： At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.
摘要翻译： 在多个交通系统的多个过境读取器中的每一个上，对于多个骑手中的每一个，每个骑手寻求通过使用由发行者发行的支付装置进行与中转系统的访问交易 支付系统，从支付设备读取数据。 数据包括唯一对应于支付设备并由发行者使用一个或多个加密密钥和预定算法创建的加密代码。 远程和/或本地执行一个或多个其他加密代码列表的检查，以确定加密代码是否在列表中。 根据加密代码是否在列表中，骑手被允许访问中转系统的设施。 付款设备不需要更改为骑手的票价。 从支付设备读取的加密代码的解密不需要完成访问事务。
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5.发明申请SYSTEM AND METHOD FOR TEMPORARILY ENABLING PROPRIETARY TRANSIT PAYMENTS ON A HOTEL ROOM KEY 审中-公开用于临时启用酒店客房钥匙的专有交通付款的系统和方法公开(公告)号：US20150287004A1
公开(公告)日：2015-10-08
申请号：US14743819
申请日：2015-06-18
CPC分类号： G06Q20/14 , G06Q10/10 , G06Q20/102 , G06Q20/28 , G06Q20/40 , G06Q50/30 , G07C9/00103 , G07C9/00119 , G07F17/0014
摘要： One embodiment of the invention is directed to a system comprising a database and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising: receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio. Another embodiment of the invention is directed to a method, the method comprising receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio
摘要翻译： 本发明的一个实施例涉及包括耦合到数据库的数据库和服务器计算机的系统，其中服务器计算机包括耦合到处理器的处理器和计算机可读存储介质，该计算机可读存储介质包括可由 用于实现一种方法的处理器，包括：接收中转交易数据，基于过境交易数据确定酒店，以及将过境交易数据发送到酒店，其中酒店将转运交易数据转交到酒店对开 。 本发明的另一个实施例涉及一种方法，所述方法包括接收中转交易数据，基于所述过境交易数据确定酒店，以及将所述过境交易数据发送到所述酒店，其中所述酒店基于所述过境 交易数据到酒店对开
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公开(公告)号：US09092769B2
公开(公告)日：2015-07-28
申请号：US13658935
申请日：2012-10-24
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译： 支付设备的接口和设备架构。 安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。 这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。 类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。
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公开(公告)号：US20120022973A1
公开(公告)日：2012-01-26
申请号：US13149553
申请日：2011-05-31
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makerenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makerenko , Hao Ngo , Christian Aabye , William Alexander Thaw
IPC分类号： G06Q40/00
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译： 支付设备的接口和设备架构。 安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。 这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。 类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。
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公开(公告)号：US20080183622A1
公开(公告)日：2008-07-31
申请号：US11713307
申请日：2007-03-01
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/027 , G06Q20/04 , G06Q20/085 , G06Q20/0855 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q20/3821 , G06Q20/40 , G06Q20/401 , G07B15/00
摘要： At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.
摘要翻译： 在多个交通系统的多个过境读取器中的每一个上，对于多个骑手中的每一个，每个骑手寻求通过使用由发行者发行的支付装置进行与中转系统的访问交易 支付系统，从支付设备读取数据。 数据包括唯一对应于支付设备并由发行者使用一个或多个加密密钥和预定算法创建的加密代码。 远程和/或本地执行一个或多个其他加密代码列表的检查，以确定加密代码是否在列表中。 根据加密代码是否在列表中，骑手被允许访问中转系统的设施。 付款设备不需要更改为骑手的票价。 从支付设备读取的加密代码的解密不需要完成访问事务。
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公开(公告)号：US20150149270A1
公开(公告)日：2015-05-28
申请号：US14611091
申请日：2015-01-30
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译： 支付设备的接口和设备架构。 安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。 这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。 类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。
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10.发明申请公开(公告)号：US20110016054A1
公开(公告)日：2011-01-20
申请号：US12883919
申请日：2010-09-16
CPC分类号： G06Q20/4016 , G06Q20/027 , G06Q20/04 , G06Q20/085 , G06Q20/0855 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q20/3821 , G06Q20/40 , G06Q20/401 , G07B15/00
摘要： At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.
摘要翻译： 在多个交通系统的多个过境读取器中的每一个上，对于多个骑手中的每一个，每个骑手寻求通过使用由发行者发行的支付装置进行与中转系统的访问交易 支付系统，从支付设备读取数据。 数据包括唯一对应于支付设备并由发行者使用一个或多个加密密钥和预定算法创建的加密代码。 远程和/或本地执行一个或多个其他加密代码列表的检查，以确定加密代码是否在列表中。 根据加密代码是否在列表中，骑手被允许访问中转系统的设施。 付款设备不需要更改为骑手的票价。 从支付设备读取的加密代码的解密不需要完成访问事务。
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