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1.发明申请公开(公告)号：US20100108755A1
公开(公告)日：2010-05-06
申请号：US12608523
申请日：2009-10-29
CPC分类号： G06Q20/102 , G06K19/07 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/341 , G06Q20/40 , G06Q2220/00
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.
摘要翻译： 饮料保持器装置包括附接到饮料保持器的芯片单元，其适于与芯片单元读取器通信以执行支付交易以购买饮料。 芯片单元存储与金融账户相关联的账户标识符，并且将存储的帐户标识符发送到芯片单元读取器以执行支付交易。
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2.发明申请公开(公告)号：US20170004464A1
公开(公告)日：2017-01-05
申请号：US15266982
申请日：2016-09-15
CPC分类号： G06Q20/102 , G06K19/07 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/341 , G06Q20/40 , G06Q2220/00
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.
摘要翻译： 饮料保持器装置包括附接到饮料保持器的芯片单元，其适于与芯片单元读取器通信以执行支付交易以购买饮料。 芯片单元存储与金融账户相关联的账户标识符，并且将存储的帐户标识符发送到芯片单元读取器以执行支付交易。
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3.发明授权公开(公告)号：US09471915B2
公开(公告)日：2016-10-18
申请号：US12608523
申请日：2009-10-29
CPC分类号： G06Q20/102 , G06K19/07 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/341 , G06Q20/40 , G06Q2220/00
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.
摘要翻译： 饮料保持器装置包括附接到饮料保持器的芯片单元，其适于与芯片单元读取器通信以执行支付交易以购买饮料。 芯片单元存储与金融账户相关联的账户标识符，并且将存储的帐户标识符发送到芯片单元读取器以执行支付交易。
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公开(公告)号：US20090319287A1
公开(公告)日：2009-12-24
申请号：US12145346
申请日：2008-06-24
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： Methods and systems of authentication segmentation to selectively apply authentication tools to target high risk segments of transactions and entities. The methods and systems identify a plurality of fraud reduction tools and determine segmentation metrics associated with the plurality of fraud reduction tools. One or more segments are determined based on the segmentation metrics using fraud data and the best candidates of the one or more segments is identified. One or more fraud reduction tools is selected that target the best candidates.
摘要翻译： 认证分段的方法和系统，以选择性地应用认证工具来定位交易和实体的高风险部分。 方法和系统识别多个欺诈减少工具并确定与多个欺诈减少工具相关联的分段度量。 基于使用欺诈数据的分段度量确定一个或多个片段，并且识别一个或多个片段的最佳候选。 选择一个或多个针对最佳候选者的欺诈减少工具。
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公开(公告)号：US20080128513A1
公开(公告)日：2008-06-05
申请号：US11566614
申请日：2006-12-04
申请人： Ayman Hammad , Phil Dixon , Brian Triplett
发明人： Ayman Hammad , Phil Dixon , Brian Triplett
IPC分类号： G06K19/06
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 architecture for 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.
摘要翻译： 用于非接触式智能卡或支付设备的架构，智能卡旨在用于商业交易支付和过境票价支付（或其他场地访问）环境中。 支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。 这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于 支付商业交易。 运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。
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公开(公告)号：US20090184163A1
公开(公告)日：2009-07-23
申请号：US12409380
申请日：2009-03-23
申请人： Ayman Hammad , Phil Dixon , Brian Triplett
发明人： Ayman Hammad , Phil Dixon , Brian Triplett
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 architecture for 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.
摘要翻译： 用于非接触式智能卡或支付设备的架构，智能卡旨在用于商业交易支付和过境票价支付（或其他场地访问）环境中。 支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。 这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于 支付商业交易。 运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。
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7.发明授权Mobile phone containing contactless payment card used in transit fare collection 有权含有非接触式支付卡的手机用于过境票价收集公开(公告)号：US08733663B2
公开(公告)日：2014-05-27
申请号：US12409402
申请日：2009-03-23
申请人： Ayman Hammad , Phil Dixon , Brian Triplett
发明人： Ayman Hammad , Phil Dixon , Brian Triplett
IPC分类号： G06K19/06
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.
摘要翻译： 诸如移动电话的设备包括非接触式智能卡或支付设备，其中智能卡旨在用于商业交易支付和过境费用支付（或其他场所访问）环境中。 支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。 这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于 支付商业交易。 运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。
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8.发明申请公开(公告)号：US20170032359A1
公开(公告)日：2017-02-02
申请号：US15293830
申请日：2016-10-14
申请人： Ayman Hammad , Brian Triplett , Philip B. Dixon
发明人： Ayman Hammad , Brian Triplett , Philip B. Dixon
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.
摘要翻译： 诸如移动电话的设备包括非接触式智能卡或支付设备，其中智能卡旨在用于商业交易支付和过境费用支付（或其他场所访问）环境中。 支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。 这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于 支付商业交易。 运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。
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公开(公告)号：US08688554B2
公开(公告)日：2014-04-01
申请号：US12409380
申请日：2009-03-23
申请人： Ayman Hammad , Phil Dixon , Brian Triplett
发明人： Ayman Hammad , Phil Dixon , Brian Triplett
IPC分类号： G06Q40/00
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 architecture for 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.
摘要翻译： 用于非接触式智能卡或支付设备的架构，智能卡旨在用于商业交易支付和过境票价支付（或其他场地访问）环境中。 支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。 这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于 支付商业交易。 运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。
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10.发明申请MOBILE PHONE CONTAINING CONTACTLESS PAYMENT CARD USED IN TRANSIT FARE COLLECTION 有权移动电话包含在过境收集中使用的接近付款卡公开(公告)号：US20090239512A1
公开(公告)日：2009-09-24
申请号：US12409402
申请日：2009-03-23
申请人： Ayman Hammad , Phil Dixon , Brian Triplett
发明人： Ayman Hammad , Phil Dixon , Brian Triplett
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.
摘要翻译： 诸如移动电话的设备包括非接触式智能卡或支付设备，其中智能卡旨在用于商业交易支付和过境费用支付（或其他场所访问）环境中。 支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。 这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于 支付商业交易。 运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。
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