公开(公告)号：US11620634B2

公开(公告)日：2023-04-04

申请号：US17528073

申请日：2021-11-16

申请人： CARDWARE, INC

发明人： David Wyatt

IPC分类号： G06Q20/34 ,  G07F19/00 ,  G06Q20/06 ,  G06Q20/22 ,  G06Q20/38 ,  G07F7/08 ,  G06K19/06 ,  G06K19/07 ,  G06K19/077 ,  G06Q20/24 ,  G06Q20/40

摘要： An embodiment includes a multi-function electronic device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow the device to emulate behavior of a credit card when used in electronic credit card readers. Additionally, methods are described to allow user control of the device for the purpose of authorizing or controlling use of the device in the application of credit, debit and cash transactions, including cryptocurrency and device-to-device transactions. Methods are also described for generating a limited-duration payment number when performing a transaction for the purpose of creating a limited-use payment number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore the device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.

公开(公告)号：US20230086551A1

公开(公告)日：2023-03-23

申请号：US18074106

申请日：2022-12-02

申请人： TRUIST BANK

发明人： Elliotte Douglas-Middleton ,  Nicole Riggs Mathes ,  Madhusadan Panda ,  Jennifer Kay Herring ,  Charles C. Lyttle ,  Alok Kumar

IPC分类号： H04L9/40 ,  G06F21/00 ,  G06Q20/34 ,  G07F7/08

摘要： A personalized card may be generated using a card-personalization system accessible via multiple access points on a network. In some aspects, the personalized card may include a physical card having an image selected by a user in a card-personalization process. The user may be assigned a code that may both authenticate the user to access the card-personalization system and identify a position of the user in the card-personalization process. The card-personalization process may include a selection process for selecting an image, an approval process for approving the image, and a creation process for generating the personalized card including the image.

公开(公告)号：US20230014371A1

公开(公告)日：2023-01-19

申请号：US17951858

申请日：2022-09-23

申请人： Zachary Maragoudakis

发明人： Zachary Maragoudakis

IPC分类号： G06Q20/32 ,  H04W4/80 ,  G06Q20/34 ,  H04B1/3827 ,  G06Q30/06 ,  G06Q20/40 ,  G07F7/08 ,  G06Q20/20 ,  H04W12/065 ,  H04W12/069 ,  G06Q20/10 ,  G06Q20/38

摘要： A wireless device can store account identifiers and facilitate transactions. The wireless device can be loaded with user account identifiers and can be presented to various checkpoint devices. When presented, the wireless device can transmit a selected account identifier to the checkpoint device. In the context of a purchase transaction, the checkpoint device can be a point-of-sale terminal and the account data can be financial account data. In some instances, the wireless device can also facilitate a purchase transaction, e.g., by obtaining information about products to be purchased, constructing a purchase order from the product information, and transmitting the purchase order to a point-of-sale terminal.

公开(公告)号：US11546326B2

公开(公告)日：2023-01-03

申请号：US17315564

申请日：2021-05-10

申请人： Truist Bank

发明人： Elliotte Douglas-Middleton ,  Nicole Riggs Mathes ,  Madhusadan Panda ,  Jennifer Kay Herring ,  Charles C. Lyttle ,  Alok Kumar

IPC分类号： G06F7/04 ,  G06F15/16 ,  G06F17/30 ,  H04L29/06 ,  H04L9/40 ,  G06F21/00 ,  G06Q20/34 ,  G07F7/08

摘要： A personalized card may be generated using a card-personalization system accessible via multiple access points on a network. In some aspects, the personalized card may include a physical card having an image selected by a user in a card-personalization process. The user may be assigned a code that may both authenticate the user to access the card-personalization system and identify a position of the user in the card-personalization process. The card-personalization process may include a selection process for selecting an image, an approval process for approving the image, and a creation process for generating the personalized card including the image.

公开(公告)号：US11538017B2

公开(公告)日：2022-12-27

申请号：US17063967

申请日：2020-10-06

申请人： Samsung Electronics Co., Ltd.

发明人： George Wallner

IPC分类号： G06Q20/32 ,  G06Q20/36 ,  G06Q20/20 ,  G06Q20/38 ,  G07F7/08

摘要： Detachable payment devices capable of performing payment transactions associated with a mobile wallet of a mobile device are described. The payment device may be implemented in a variety of shapes and sizes such as, the shape of a typical payment card or a stylus/electronic pen. In order to communicate with the mobile device, the mobile wallet of the mobile device, and a POS terminal, the detachable payment device may use short range contactless transmissions. While in a docked mode, the payment device may receive payment card data from a mobile wallet of the mobile device. Additionally, while docked, the payment device may transmit payment card data to a POS terminal's receiver, thereby acting as an integrated mobile payment unit with the mobile device. When in an undocked mode, the payment device may complete contactless payment transactions without assistance from the mobile device.

公开(公告)号：US11531990B2

公开(公告)日：2022-12-20

申请号：US15917267

申请日：2018-03-09

申请人： APPI Tecnologia S/A

发明人： Alexandre Soares Pi Farias

IPC分类号： G06Q20/40 ,  G06Q30/02 ,  G06F9/445 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  G07F7/08 ,  G06Q20/20 ,  G07G1/00 ,  G06Q20/04 ,  G06K7/10 ,  G06K7/14 ,  G06K19/06 ,  G06Q20/02 ,  G06Q30/00 ,  G06F8/61 ,  G06F8/654 ,  H04W4/33

摘要： Transformation of inputs including beacon inputs, Global Positioning System (GPS) inputs, captured panorama inputs, user-penned descriptive inputs, and payment-amount-specifying inputs, via components, into outputs including user device POS configuration setting outputs and/or payment-gateway-directed authorization request outputs. Further, transformation of inputs including POS scanner inputs, POS keyboard inputs, and/or POS printer-directed inputs, via components, into outputs including compliance check outputs, tagged omnibus record outputs, SKU-UPC mapping outputs, and/or convergence/correlation outputs. Additionally, transformation of inputs including older limited-capability POS software image inputs and/or newer limited-capability POS software image inputs, via components, into outputs including update directive outputs. Functionality set forth includes allowing user devices to directly communicate with payment gateways, capturing and making use of scanner-obtained data and printer-destined data in a way that does not require code alternation of already-installed POS software, and allowing software of limited-capability POS devices to be updated without sending large, full-overwrite software images.

公开(公告)号：US20220398575A1

公开(公告)日：2022-12-15

申请号：US17854468

申请日：2022-06-30

申请人： Block, Inc.

发明人： Max Joseph GUISE ,  Jason WADDLE ,  Dino DAI ZOVI

IPC分类号： G06Q20/38 ,  G06Q20/20 ,  G06Q20/40 ,  G07G1/00 ,  G07G1/14 ,  G06Q20/32 ,  G06Q20/34 ,  G07F7/08 ,  H04L9/08

摘要： In some examples, a mobile card reader includes a card interface to read information from a card, an interface to enable the mobile card reader to communicate with a mobile device, and a processor configured to send security related information of the mobile card reader to an application executing on the mobile device. The security related information may be for transmission by the mobile device to a remote server system. The mobile card reader may receive, from the application, an indication that the application has been validated by the remote server system based on validation of the security related information of the mobile card reader and security related information of the application. In response, the mobile card reader generates a secure session key with which to carry out encrypted communication between the application and the mobile card reader.

公开(公告)号：US11501296B2

公开(公告)日：2022-11-15

申请号：US17147305

申请日：2021-01-12

申请人： PayRange Inc.

发明人： Paresh K. Patel

IPC分类号： G06Q20/40 ,  G06Q20/32 ,  G06Q20/18 ,  G07F7/08 ,  G07F9/02

摘要： After sending a request to a payment module, via a first communication capability (e.g., BLE), to initiate a transaction with a payment accepting unit associated with the payment module, a mobile device with one or more processors, memory, one or output devices, and two or more communication capabilities obtains a notification from the payment module via the first communication capability. The notification indicates an event at the payment accepting unit associated with the payment module. In response to obtaining the notification, mobile device provides a representation of the notification to a user of the mobile device via the one or more output devices of the mobile device. For example, a message is displayed on a display of the mobile device, a vibration alert is produced by a vibration mechanism of the mobile device, an aural alert is produced by a speaker of the mobile device, and/or the like.

公开(公告)号：US20220343341A1

公开(公告)日：2022-10-27

申请号：US17850683

申请日：2022-06-27

申请人： Block, Inc.

发明人： Dino Dai Zovi ,  Janek Klawe

IPC分类号： G06Q30/00 ,  G07F7/08 ,  G07G1/00 ,  G06Q20/40 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/38 ,  G06Q20/34

摘要： Disclosed herein is a method and system to establish a secure communication channel between a payment object reader and a payment terminal For this, the server determines whether a payment terminal has associated with an attestation ticket. The method further includes determining, whether to approve or deny the request for establishing the secure communication channel between the payment object reader and the payment terminal based on the attestation ticket. If the determination yields that the request has been approved, further generating a session approval interrupt having one or more session approval conditions; and sending the session approval interrupt to the payment terminal, where the session approval interrupt causes a secure communication channel to be established between the payment object reader and the payment terminal.

公开(公告)号：US11481774B2

公开(公告)日：2022-10-25

申请号：US16805148

申请日：2020-02-28

申请人： ClevX, LLC

发明人： Simon B. Johnson

IPC分类号： G06Q20/40 ,  G07F7/08 ,  G06Q20/34

摘要： A self-authenticating credit card includes an input device for entering a PIN. The PIN is accepted by a micro-controller that uses the entered PIN as an encryption key for decrypting stored account information. A portion of the account information includes data, that when decrypted, contains an image that is rendered on an integral display, with account information sent to a transaction terminal. A timer is used to limit access to account data while in the unlocked state.