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1. 发明授权

US08025223B2 System and method for mass transit merchant payment 有权
标题翻译：公共交通商人付款的制度和方法
公开(公告)号：US08025223B2
公开(公告)日：2011-09-27
申请号：US12768900
申请日：2010-04-28
申请人： Peter D. Saunders , Lee J. Peart , Brian T. Barnes
发明人： Peter D. Saunders , Lee J. Peart , Brian T. Barnes
IPC分类号： G06K5/00
CPC分类号： G07C9/02 , G06Q20/10 , G06Q20/24 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q40/12 , G07B15/04 , G07F7/0866 , G07F7/0873 , G07F7/088 , G07F7/0893
摘要： Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a financial transaction instrument. The identification number stored on the financial transaction instrument is associated with a transit system fee registered for each use of the transit system. A plurality of transit system fees associated with the same identification number from use of the financial transaction instrument is aggregated, and payment for the aggregated transit system fees is requested from a transaction account associated with the financial transaction instrument.
摘要翻译：提供了方法，系统和计算机程序产品，用于使用金融交易工具支付过境系统费用。通过识别包含在金融交易工具上存储的识别号码中的信息，允许进入运输系统。存储在金融交易工具上的识别号码与每次使用过境系统注册的过境系统费用相关联。汇总与使用金融交易工具相同的识别号码的多个中转系统费用，并从与金融交易工具相关联的交易账户请求汇总的中转系统费用。

2. 发明申请

US20100306113A1 SMARTCARD INTERNET AUTHORIZATION SYSTEM 审中-公开
标题翻译：智能卡互联网授权系统
公开(公告)号：US20100306113A1
公开(公告)日：2010-12-02
申请号：US12857393
申请日：2010-08-16
申请人： William J. Gray , William G. Hohle , Carl Larkin , Lee J. Peart
发明人： William J. Gray , William G. Hohle , Carl Larkin , Lee J. Peart
IPC分类号： G06Q20/00 , G06Q99/00
CPC分类号： G06Q20/40 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/0855 , G06Q20/105 , G06Q20/12 , G06Q20/26 , G06Q20/363 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/38215 , G06Q20/3825 , G06Q20/389 , G06Q20/4014 , G07F7/1008
摘要： A system and method are disclosed for conducting electronic commerce such as a virtual purchase transaction with an on-line merchant. A user is provided with an intelligent token, such as a smart card containing a digital certificate. The intelligent token suitably authenticates with a wallet server on a network that conducts all or portions of the transaction on behalf of the user with out requiring changes to the merchant's server. The wallet server interacts with a security server of a selected financial service to provide authentication of the transaction. Upon authentication, the digital wallet pre-fills forms which are transmitted to the merchant who contacts the security server for validation of the forms and upon validation, completes the transaction with the user.
摘要翻译：公开了用于进行电子商务的系统和方法，例如与在线商家的虚拟购买交易。用户被提供有智能令牌，例如包含数字证书的智能卡。该智能令牌适当地与网络上的钱包服务器进行认证，该电子钱包服务器代表用户进行全部或部分交易，而不需要更改商家的服务器。钱包服务器与所选金融服务的安全服务器交互以提供交易的认证。在认证时，数字钱包预先填写发送给与安全服务器联系的商家的表格，以验证表单，并在验证后，完成与用户的交易。

3. 发明申请

US20080270300A1 SYSTEM AND METHOD FOR PERFORMING PERSON-TO-PERSON FUNDS TRANSFERS VIA WIRELESS COMMUNICATIONS 有权
标题翻译：通过无线通信执行人员转移的系统和方法
公开(公告)号：US20080270300A1
公开(公告)日：2008-10-30
申请号：US11741170
申请日：2007-04-27
申请人： Jessica U. Jones , Lee J. Peart , Blayn W. Beenau , Peter D. Saunders
发明人： Jessica U. Jones , Lee J. Peart , Blayn W. Beenau , Peter D. Saunders
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/105 , G06Q20/223 , G06Q20/32 , G06Q20/322 , G06Q20/3278 , G06Q40/02
摘要： A funds-transfer system includes a processor and a memory storing control logic for causing the processor to enable a buyer to transfer funds to a seller via a mobile telephone. The control logic includes program code for causing the processor to receive a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The control logic also includes program code for causing the processor to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller. Additionally, the control logic includes program code for causing the processor to provide a payment acknowledgment to the buyer's mobile telephone and to the seller.
摘要翻译：资金转移系统包括处理器和存储控制逻辑的存储器，用于使处理器使得买方能够经由移动电话向卖方转移资金。控制逻辑包括用于使处理器接收从买方的移动电话发送的支付请求的程序代码。付款请求是将资金从买方持有的金融账户转移到卖方持有的金融账户，并且从存储在买方移动电话中的支付应用程序发送支付请求。付款请求确定要转移的购买金额，以及识别买方持有的金融账户的信息。控制逻辑还包括用于使处理器向购买者持有的金融账户收取购买金额并将购买金额转移到卖方持有的金融账户的程序代码。此外，控制逻辑包括用于使处理器向买方的移动电话和卖方提供支付确认的程序代码。

4. 发明授权

US08620260B2 Payment application download to mobile phone and phone personalization 有权
标题翻译：付款应用程序下载到手机和手机个性化
公开(公告)号：US08620260B2
公开(公告)日：2013-12-31
申请号：US11741288
申请日：2007-04-27
申请人： Blayn W. Beenau , Jessica U. Jones , Lee J. Peart , Peter D. Saunders
发明人： Blayn W. Beenau , Jessica U. Jones , Lee J. Peart , Peter D. Saunders
IPC分类号： H04M11/00 , G06Q40/00 , G07B17/00 , G06K7/10
CPC分类号： H04W4/60 , G06Q20/32 , G06Q20/3221 , G06Q20/3227 , G06Q20/3552 , G07F7/1008
摘要： A method and system of personalizing a mobile phone over a wireless network is provided. The method is fast, reliable, and eliminates the need for an uninterrupted online connection to a host server in order to achieve successful download of user information. With the method and system, a mobile phone can be personalized for various purposes, such as for conducting financial transactions.
摘要翻译：提供了一种通过无线网络个性化移动电话的方法和系统。该方法快速，可靠，并且不需要与主机服务器的不间断的在线连接，以便成功下载用户信息。通过该方法和系统，移动电话可以被个性化以用于各种目的，例如进行金融交易。

5. 发明申请

US20110302081A1 SYSTEM AND METHOD FOR MASS TRANSIT MERCHANT PAYMENT 有权
标题翻译：用于大量转运商业支付的系统和方法
公开(公告)号：US20110302081A1
公开(公告)日：2011-12-08
申请号：US13209334
申请日：2011-08-12
申请人： Peter D. Saunders , Lee J. Peart , Brian T. Barnes
发明人： Peter D. Saunders , Lee J. Peart , Brian T. Barnes
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G07C9/02 , G06Q20/10 , G06Q20/24 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q40/12 , G07B15/04 , G07F7/0866 , G07F7/0873 , G07F7/088 , G07F7/0893
摘要： Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a financial transaction instrument. The identification number stored on the financial transaction instrument is associated with a transit system fee registered for each use of the transit system. A plurality of transit system fees associated with the same identification number from use of the financial transaction instrument is aggregated, and payment for the aggregated transit system fees is requested from a transaction account associated with the financial transaction instrument.
摘要翻译：提供了方法，系统和计算机程序产品，用于使用金融交易工具支付过境系统费用。通过识别包含在金融交易工具上存储的识别号码中的信息，允许进入运输系统。存储在金融交易工具上的识别号码与每次使用过境系统注册的过境系统费用相关联。汇总与使用金融交易工具相同的识别号码的多个中转系统费用，并从与金融交易工具相关联的交易账户请求汇总的中转系统费用。

6. 发明授权

US07801829B2 Smartcard internet authorization system 有权
标题翻译：智能卡互联网授权系统
公开(公告)号：US07801829B2
公开(公告)日：2010-09-21
申请号：US11954668
申请日：2007-12-12
申请人： William J Gray , William G Hohle , Carl Larkin , Lee J Peart
发明人： William J Gray , William G Hohle , Carl Larkin , Lee J Peart
IPC分类号： G06Q99/00
CPC分类号： G06Q20/40 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/0855 , G06Q20/105 , G06Q20/12 , G06Q20/26 , G06Q20/363 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/38215 , G06Q20/3825 , G06Q20/389 , G06Q20/4014 , G07F7/1008
摘要： A system and method are disclosed for conducting electronic commerce such as a virtual purchase transaction with an on-line merchant. A user is provided with an intelligent token, such as a smart card containing a digital certificate. The intelligent token suitably authenticates with a wallet server on a network that conducts all or portions of the transaction on behalf of the user with out requiring changes to the merchant's server. The wallet server interacts with a security server of a selected financial service to provide authentication of the transaction. Upon authentication, the digital wallet pre-fills forms which are transmitted to the merchant who contacts the security server for validation of the forms and upon validation, completes the transaction with the user.
摘要翻译：公开了用于进行电子商务的系统和方法，例如与在线商家的虚拟购买交易。用户被提供有智能令牌，例如包含数字证书的智能卡。该智能令牌适当地与网络上的钱包服务器进行认证，该电子钱包服务器代表用户进行全部或部分交易，而不需要更改商家的服务器。钱包服务器与所选金融服务的安全服务器交互以提供交易的认证。在认证时，数字钱包预先填写发送给与安全服务器联系的商家的表格，以验证表单，并在验证后，完成与用户的交易。

7. 发明授权

US07731086B2 System and method for mass transit merchant payment 有权
标题翻译：公共交通商人付款的制度和方法
公开(公告)号：US07731086B2
公开(公告)日：2010-06-08
申请号：US11423388
申请日：2006-06-09
申请人： Peter D. Saunders , Lee J. Peart , Brian T. Barnes
发明人： Peter D. Saunders , Lee J. Peart , Brian T. Barnes
IPC分类号： G06K5/00
CPC分类号： G07C9/02 , G06Q20/10 , G06Q20/24 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q40/12 , G07B15/04 , G07F7/0866 , G07F7/0873 , G07F7/088 , G07F7/0893
摘要： Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a financial transaction instrument. The identification number stored on the financial transaction instrument is associated with a transit system fee registered for each use of the transit system. A plurality of transit system fees associated with the same identification number from use of the financial transaction instrument is aggregated, and payment for the aggregated transit system fees is requested from a transaction account associated with the financial transaction instrument.
摘要翻译：提供了方法，系统和计算机程序产品，用于使用金融交易工具支付过境系统费用。通过识别包含在金融交易工具上存储的识别号码中的信息，允许进入运输系统。存储在金融交易工具上的识别号码与每次使用过境系统注册的过境系统费用相关联。汇总与使用金融交易工具相同的识别号码的多个中转系统费用，并从与金融交易工具相关联的交易账户请求汇总的中转系统费用。

8. 发明申请

US20090008441A1 TRACKING RF TRANSACTION ACTIVITY USING A TRANSACTION DEVICE IDENTIFIER 审中-公开
标题翻译：使用交易设备识别器跟踪RF交易活动
公开(公告)号：US20090008441A1
公开(公告)日：2009-01-08
申请号：US12206634
申请日：2008-09-08
申请人： Joshua Montgomery , Lee J. Peart , Peter D. Saunders
发明人： Joshua Montgomery , Lee J. Peart , Peter D. Saunders
IPC分类号： G06Q40/00
CPC分类号： G07G1/009 , G06Q20/346 , G06Q20/385 , G06Q30/02 , G07F7/1008
摘要： In accordance with one exemplary embodiment of the invention, a radio frequency identification (RFID) transaction device is used to complete a transaction. The RFID transaction device may communicate a tertiary number and/or a URL instead of sensitive transaction device information. The tertiary number and/or URL may point the RFID transaction device to a third-party authorizing agent. The third party may verify that the URL and/or a tertiary number corresponds to a valid transaction account on the account provider system. The third party may use the URL and/or the tertiary number to locate the appropriate verifying (e.g., “validating”) information for confirming the transaction account validity. Once the third party verifies the validity of the transaction account using the URL and/or the tertiary number, the third party (e.g., account issuer or acquirer) may provide authorization to the merchant that a transaction may be completed.
摘要翻译：根据本发明的一个示例性实施例，使用射频识别（RFID）交易设备来完成交易。 RFID交易设备可以传达第三号码和/或URL，而不是敏感的交易设备信息。第三号码和/或URL可以将RFID交易设备指向第三方授权代理。第三方可以验证URL和/或三级号码对应于帐户提供者系统上的有效交易账户。第三方可以使用URL和/或三级号码来定位用于确认交易账户有效性的适当的验证（例如，“验证”）信息。一旦第三方使用URL和/或第三号验证交易账户的有效性，则第三方（例如，帐户发行者或收单方）可以向商家提供可以完成交易的授权。

9. 发明授权

US07070112B2 Transparent transaction device 有权
标题翻译：透明交易设备
公开(公告)号：US07070112B2
公开(公告)日：2006-07-04
申请号：US10708548
申请日：2004-03-10
申请人： Blayn W. Beenau , David S. Bonalle , Becky Vander Eyk , Susan E. Isenberg , Leigh Malnati , Sue Mueller , Zarita Norcross , Lee J. Peart , Peter D. Saunders , Lisa Skilling-Belmond , Lisa Webb , John R. Williamson
发明人： Blayn W. Beenau , David S. Bonalle , Becky Vander Eyk , Susan E. Isenberg , Leigh Malnati , Sue Mueller , Zarita Norcross , Lee J. Peart , Peter D. Saunders , Lisa Skilling-Belmond , Lisa Webb , John R. Williamson
IPC分类号： G02B26/10
CPC分类号： G06Q20/00 , G06K7/0008 , G06K19/02 , G06K19/0723 , G06K19/077 , G06K19/08 , G06K19/16 , G06Q20/04 , G06Q20/14 , G06Q20/327 , G06Q20/3278 , G07C9/00111 , G07C9/00119 , G07F7/086 , H04L9/3231 , H04L9/3273 , H04L2209/56 , H04L2209/805
摘要： The present invention relates to a process for producing an transparent or translucent transaction device having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the device is visible through the device body. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or device manufacturing assembly line.
摘要翻译：本发明涉及一种用于制造具有多个特征的透明或半透明交易装置的方法，例如全息箔，集成电路芯片，RFID电路，在磁条上具有文本的银磁条，不透明度梯度，不可见的可光学识别化合物，半透明签名领域，使得设备背面的RFID电路和签名通过设备主体可见。不可见的可光学识别的化合物是红外墨水和/或膜，其可以通过在ATM或装置制造装配线中发现的传感器来检测。

10. 发明授权

US08260722B2 System and method for generating an unpredictable number using a seeded algorithm 有权
标题翻译：使用种子算法生成不可预测数字的系统和方法
公开(公告)号：US08260722B2
公开(公告)日：2012-09-04
申请号：US13182678
申请日：2011-07-14
申请人： Lee J. Peart , Peter D. Saunders
发明人： Lee J. Peart , Peter D. Saunders
IPC分类号： G06Q20/00
CPC分类号： G06Q20/401 , G06Q20/0855 , G06Q20/382 , G06Q20/40 , H04L9/0662 , H04L9/3236 , H04L2209/56 , H04L2209/805
摘要： A random number generating algorithm is seeded with an unpredictable number. The seed value is computed by subjecting variable data to a Secure Hashing Algorithm, and truncating the right most, or left most, 16 bytes from the message digest generated. The algorithm generates the unpredictable number by using the seed value as a counter value in the random number generator, and performing a data encryption standard operation. In one exemplary embodiment, the unpredictable number is modified to a predetermined maximum unpredictable number value as determined by the sender and receiver of the unpredictable number.
摘要翻译：随机数生成算法用不可预测的数字种子。种子值是通过对可变数据进行安全散列算法计算的，并从生成的消息摘要中截断最右边或最左边的16个字节。该算法通过使用种子值作为随机数生成器中的计数器值来生成不可预测的数字，并执行数据加密标准操作。在一个示例性实施例中，不可预测的数量被修改为由发送者和接收者确定的不可预测的数量的预定的最大不可预测的数字值。

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