公开(公告)号：US10210508B2

公开(公告)日：2019-02-19

申请号：US15293830

申请日：2016-10-14

申请人： Visa U.S.A. Inc.

发明人： Ayman Hammad ,  Brian Triplett ,  Philip B. Dixon

IPC分类号： G06K19/06 ,  G06Q20/34 ,  G06Q20/12 ,  G06Q20/22 ,  G07F7/10 ,  G06Q20/16 ,  G06Q20/32 ,  G06Q20/36

摘要： An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

公开(公告)号：US10210492B2

公开(公告)日：2019-02-19

申请号：US15266982

申请日：2016-09-15

申请人： Visa U.S.A. Inc.

发明人： Zack Fuerstenberg ,  Ayman Hammad ,  Brian Triplett ,  Christopher M. Renton ,  Michael Stephenson

IPC分类号： G06Q20/10 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/34 ,  G06K19/07 ,  G06Q20/40

摘要： A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.

公开(公告)号：US10692071B2

公开(公告)日：2020-06-23

申请号：US16238427

申请日：2019-01-02

申请人： Visa U.S.A. Inc.

发明人： Ayman Hammad ,  Brian Triplett ,  Philip Dixon

IPC分类号： G06Q20/00 ,  G06Q20/34 ,  G06Q20/12 ,  G06Q20/22 ,  G07F7/10 ,  G06Q20/16 ,  G06Q20/32 ,  G06Q20/36

摘要： An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

公开(公告)号：US20190139028A1

公开(公告)日：2019-05-09

申请号：US16238427

申请日：2019-01-02

申请人： Visa U.S.A. Inc.

发明人： Ayman Hammad ,  Brian Triplett ,  Philip Dixon

IPC分类号： G06Q20/34 ,  G06Q20/32 ,  G06Q20/16 ,  G07F7/10 ,  G06Q20/22 ,  G06Q20/12 ,  G06Q20/36

CPC分类号： G06Q20/352 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/341 ,  G06Q20/3576 ,  G06Q20/367 ,  G07F7/1008

摘要： An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.