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91. 发明授权

US09626673B2 Financial transaction based on device-to-device communications 有权
公开(公告)号：US09626673B2
公开(公告)日：2017-04-18
申请号：US14663354
申请日：2015-03-19
申请人： Shenzhen Huiding Technology Co., Ltd.
发明人： Yi He , Bo Pi
IPC分类号： G06K5/00 , G06Q20/34 , G06Q20/40 , G06Q20/24 , G06Q20/22 , G06Q20/32 , G06K19/077 , G06K19/07 , G06K17/00
CPC分类号： G06Q20/352 , G06K19/0702 , G06K19/0718 , G06K19/07707 , G06K19/07709 , G06K19/07749 , G06K2017/0067 , G06Q20/223 , G06Q20/24 , G06Q20/322 , G06Q20/3278 , G06Q20/341 , G06Q20/3415 , G06Q20/342 , G06Q20/353 , G06Q20/409
摘要： The systems, devices and techniques disclosed provide a credit card type device which is integrated with active electronics to perform credit card type financial transactions. In one aspect, a credit card type device includes a device-to-device communication port to wirelessly communicate with another device in an attempt to complete a financial transaction. The credit card type device includes an authentication mechanism to authenticate access to the credit card type device for the initiated financial transaction. The credit card type device includes controller circuitry to control operations of the device-to-device communication port and the authentication mechanism. The credit card type device includes an output device to display information associated with the access authentication and the financial transaction.

92. 发明申请

US20160335531A1 DYNAMIC SECURITY CODES, TOKENS, DISPLAYS, CARDS, DEVICES, MULTI-CARD DEVICES, SYSTEMS AND METHODS 审中-公开
标题翻译：动态安全码，玩具，显示器，卡，设备，多卡设备，系统和方法
公开(公告)号：US20160335531A1
公开(公告)日：2016-11-17
申请号：US15153380
申请日：2016-05-12
申请人： Dynamics Inc.
发明人： Jeffrey D. Mullen , Andrew Veter , Jason Dyro
IPC分类号： G06K19/073 , G06Q20/34 , G06K7/08 , G06K19/077 , G06K19/06 , G06K19/07
CPC分类号： G06K19/07345 , G06K7/087 , G06K19/06112 , G06K19/06196 , G06K19/0702 , G06K19/07709 , G06Q20/357 , G06Q20/3572
摘要： A dynamic code of a transaction device may be validated by a remote processor by comparing the dynamic code to a verification code generated using a timestamp and identification data received from the transaction device. A static code may replace the dynamic code for authorization processing. A remote verification processor may synchronize to the transaction device using the timestamp. A token may be associated to each communication interface of a multi-card transaction device. A display may be directly connected to driver circuit on a display board of a transaction card. A radio IC chip may be included in a powered card. A multi-card device may toggle a plurality of display screens to display transaction data.
摘要翻译：交易设备的动态代码可以由远程处理器通过将动态代码与使用时间戳生成的验证码和从交易设备接收的识别数据进行比较而被验证。静态代码可以替代用于授权处理的动态代码。远程验证处理器可以使用时间戳同步到事务设备。令牌可以与多卡交易设备的每个通信接口相关联。显示器可以直接连接到交易卡的显示板上的驱动器电路。无线IC芯片可以包括在动力卡中。多卡设备可以切换多个显示屏幕以显示交易数据。

93. 发明申请

US20160180209A1 PAYMENT CARDS AND DEVICES WITH DISPLAYS, CHIPS, RFIDS, MAGNETIC EMULATORS, MAGNETIC ENCODERS, AND OTHER COMPONENTS 有权
标题翻译：支付卡和显示器，芯片，RFIDs，磁性仿真器，磁性编码器和其他组件的设备
公开(公告)号：US20160180209A1
公开(公告)日：2016-06-23
申请号：US15055676
申请日：2016-02-29
申请人： Dynamics Inc.
发明人： Jeffrey D. Mullen , Bruce Cloutier
IPC分类号： G06K19/07
CPC分类号： G06K19/06206 , G06F3/0488 , G06K7/0004 , G06K7/084 , G06K7/087 , G06K7/10297 , G06K19/06187 , G06K19/07 , G06K19/0702 , G06K19/0704 , G06K19/0723 , G06K19/0725 , G06K19/07345 , G06K19/07703 , G06K19/07705 , G06K19/07707 , G06K19/07709 , G06K19/07749 , G06K19/0775 , G06K19/07766 , G06K19/07769 , G06K19/07773 , G06Q20/18 , G06Q20/20 , G06Q20/34 , G06Q20/341 , G06Q20/3415 , G06Q20/352 , G06Q20/385 , G06Q20/401 , G06Q30/0222 , G06Q30/0241 , G06Q30/0277 , G06Q30/0641 , G07F7/0806 , G07F7/1008
摘要： A payment card (e.g., credit and/or debit card) or other card or device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. User interfaces are provided in a number of different configurations in order to achieve a number of different functionalities.
摘要翻译：支付卡（例如，信用卡和/或借记卡）或其他卡或设备（例如，移动电话）被提供有可操作以将数据传送到磁条读取头的磁性仿真器。用户界面以多种不同的配置提供，以便实现许多不同的功能。

94. 发明授权

US09361569B2 Cards with serial magnetic emulators 有权
标题翻译：带串行磁力仿真器的卡
公开(公告)号：US09361569B2
公开(公告)日：2016-06-07
申请号：US12339042
申请日：2008-12-19
申请人： Jeffrey D. Mullen , David Lambeth , Ryan Kellogg
发明人： Jeffrey D. Mullen , David Lambeth , Ryan Kellogg
IPC分类号： G06F17/00 , G06K19/077 , G06K19/06 , G06K19/07 , G06Q20/18 , G06Q20/20 , G06Q20/34 , G06Q20/38 , G06Q30/02 , G06Q30/06 , G07F7/08 , G07F7/10
CPC分类号： G06K19/06206 , G06F3/0488 , G06K7/0004 , G06K7/084 , G06K7/087 , G06K7/10297 , G06K19/06187 , G06K19/07 , G06K19/0702 , G06K19/0704 , G06K19/0723 , G06K19/0725 , G06K19/07345 , G06K19/07703 , G06K19/07705 , G06K19/07707 , G06K19/07709 , G06K19/07749 , G06K19/0775 , G06K19/07766 , G06K19/07769 , G06K19/07773 , G06Q20/18 , G06Q20/20 , G06Q20/34 , G06Q20/341 , G06Q20/3415 , G06Q20/352 , G06Q20/385 , G06Q20/401 , G06Q30/0222 , G06Q30/0241 , G06Q30/0277 , G06Q30/0641 , G07F7/0806 , G07F7/1008
摘要： A card is provided, such as a credit card or security card, that may transmit information to a magnetic stripe reader via a magnetic emulator. The emulator may transmit the information serially in order to reduce the amount of circuitry needed to emulate a particular block of information. Additionally, for example, a serial encoder may send any amount of information through a single emulation segment. Such a magnetic emulator may be provided on a credit card. A dynamic credit card number may be provided by, for example, coding a number with a different coding scheme for different periods of time. The magnetic emulator may be utilized to transmit a particular coded number for a particular period of time. In this manner, a dynamic credit card number may be provided such that to help secure, and progress, a payment transaction.
摘要翻译：提供了可以通过磁力仿真器向磁条阅读器发送信息的卡，例如信用卡或安全卡。仿真器可以串行地发送信息，以便减少模拟特定信息块所需的电路量。此外，例如，串行编码器可以通过单个仿真段发送任何量的信息。可以在信用卡上提供这样的磁性模拟器。可以通过例如对具有不同编码方案的号码对不同时间段进行编码来提供动态信用卡号码。磁性仿真器可以用于在特定时间段内传输特定编码数字。以这种方式，可以提供动态信用卡号，以便有助于确保和进行支付交易。

95. 发明申请

US20150269563A1 FINANCIAL TRANSACTION BASED ON DEVICE-TO-DEVICE COMMUNICATIONS 有权
标题翻译：基于设备到设备通信的财务交易
公开(公告)号：US20150269563A1
公开(公告)日：2015-09-24
申请号：US14663354
申请日：2015-03-19
申请人： Shenzhen Huiding Technology Co., Ltd.
发明人： Yi He , Bo Pi
IPC分类号： G06Q20/34 , G06Q20/24 , G06Q20/40 , G06K19/077 , G06K19/073
CPC分类号： G06Q20/352 , G06K19/0702 , G06K19/0718 , G06K19/07707 , G06K19/07709 , G06K19/07749 , G06K2017/0067 , G06Q20/223 , G06Q20/24 , G06Q20/322 , G06Q20/3278 , G06Q20/341 , G06Q20/3415 , G06Q20/342 , G06Q20/353 , G06Q20/409
摘要： The systems, devices and techniques disclosed provide a credit card type device which is integrated with active electronics to perform credit card type financial transactions. In one aspect, a credit card type device includes a device-to-device communication port to wirelessly communicate with another device in an attempt to complete a financial transaction. The credit card type device includes an authentication mechanism to authenticate access to the credit card type device for the initiated financial transaction. The credit card type device includes controller circuitry to control operations of the device-to-device communication port and the authentication mechanism. The credit card type device includes an output device to display information associated with the access authentication and the financial transaction.
摘要翻译：所公开的系统，设备和技术提供了一种信用卡类型的设备，其与活动电子设备集成以执行信用卡类型的金融交易。在一个方面，信用卡类型的设备包括设备到设备的通信端口以与其他设备进行无线通信以试图完成金融交易。信用卡类型设备包括认证机制，用于认证对发起的金融交易的信用卡类型设备的访问。信用卡类型设备包括用于控制设备到设备通信端口和认证机制的操作的控制器电路。信用卡类型设备包括用于显示与接入认证和金融交易相关联的信息的输出设备。

96. 发明申请

US20150220913A1 Multi-Use Card and System 审中-公开
标题翻译：多用途卡和系统
公开(公告)号：US20150220913A1
公开(公告)日：2015-08-06
申请号：US14172027
申请日：2014-02-04
申请人： Microsoft Corporation
发明人： Jie Liu , Neal Alan Bernstein , William Alexander Spencer, JR. , Nissanka Arachchige Bodhip Priyantha
IPC分类号： G06Q20/34
CPC分类号： G06Q20/3572 , G06K19/0704 , G06K19/0708 , G06K19/0725 , G06K19/07701 , G06K19/07707 , G06K19/07709 , G06Q20/341 , G07F7/0833
摘要： A multi-use card is presented. The multi-use card can be selectively configured to operate and/or function as any one of a plurality of associated cards (including credit cards, identity cards, access cards, membership cards, loyalty cards, and the like). The multi-use card can also be configured to display one or more messages from third parties on a display area on one or more surfaces of the card. The multi-use card includes communication abilities to communicate with one or more external computing devices by way of near field communications. The multi-use card is configured with associated cards and messages via the near field communications. Additionally, the multi-use card includes a power source that is charged by way of near field communications with the card.
摘要翻译：提供多用途卡。多用途卡可以选择性地配置为操作和/或用作多个相关联卡（包括信用卡，身份卡，访问卡，会员卡，会员卡等）中的任何一个。多用途卡还可以被配置为在卡的一个或多个表面上的显示区域上显示来自第三方的一个或多个消息。多用途卡包括通过近场通信与一个或多个外部计算设备进行通信的通信能力。多用途卡通过近场通信配置有相关的卡和消息。此外，多用途卡包括通过与卡的近场通信来充电的电源。

97. 发明申请

US20140367474A1 DISPLAY CARD WITH USER INTERFACE 有权
标题翻译：显示卡与用户界面
公开(公告)号：US20140367474A1
公开(公告)日：2014-12-18
申请号：US14305423
申请日：2014-06-16
申请人： MasterCard International Incorporated
发明人： Cristian Radu , Sebastien Pochic , Fikret Ates
IPC分类号： G06K19/077 , G06K19/073
CPC分类号： G06K19/07701 , G06K19/073 , G06K19/07705 , G06K19/07707 , G06K19/07709 , G06Q20/3574 , G07F7/0806
摘要： A display card 301 with a user interface for providing one or more services. The card 301 comprises: an external interface 302, 303 for communication with a terminal external from the card 301; a Chip 401 comprising one or more servers for storing one or more applications, wherein the Chip 401 is arranged to communicate with the external interface 302, 303; a user interface 304, 305, 306 for interacting with a user of the card 301; a micro-terminal 402 for controlling the provision of one or more services, wherein the micro-terminal 402 is arranged to communicate with the user interface 304, 305, 306; and the Chip 401 and micro-terminal 402 are arranged to communicate with each other via an internal interface 403 of the Chip 401. Applications include payment cards and passes.
摘要翻译：具有用于提供一个或多个服务的用户界面的显示卡301。卡301包括：用于与卡301外部的终端进行通信的外部接口302,303; 包括用于存储一个或多个应用的一个或多个服务器的芯片401，其中芯片401布置成与外部接口302,303通信; 用于与卡301的用户交互的用户界面304,305,306; 用于控制提供一个或多个服务的微终端402，其中微终端402被布置为与用户界面304,305,306进行通信; 并且芯片401和微型终端402被布置成经由芯片401的内部接口403彼此通信。应用包括支付卡和通行证。

98. 发明申请

US20130282573A1 PAYMENT CARDS AND DEVICES WITH GIFT CARD, GLOBAL INTEGRATION, AND MAGNETIC STRIPE READER COMMUNICATION FUNCTIONALITY 有权
公开(公告)号：US20130282573A1
公开(公告)日：2013-10-24
申请号：US13872557
申请日：2013-04-29
申请人： Jeffrey D. Mullen , David Lambeth , Bruce Cloutier
发明人： Jeffrey D. Mullen , David Lambeth , Bruce Cloutier
IPC分类号： G06Q20/34
CPC分类号： G06K19/06206 , G06F3/0488 , G06K7/0004 , G06K7/084 , G06K7/087 , G06K7/10297 , G06K19/06187 , G06K19/07 , G06K19/0702 , G06K19/0704 , G06K19/0723 , G06K19/0725 , G06K19/07345 , G06K19/07703 , G06K19/07705 , G06K19/07707 , G06K19/07709 , G06K19/07749 , G06K19/0775 , G06K19/07766 , G06K19/07769 , G06K19/07773 , G06Q20/18 , G06Q20/20 , G06Q20/34 , G06Q20/341 , G06Q20/3415 , G06Q20/352 , G06Q20/385 , G06Q20/401 , G06Q30/0222 , G06Q30/0241 , G06Q30/0277 , G06Q30/0641 , G07F7/0806 , G07F7/1008
摘要： A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine gift cards. Similarly, a user be provided with a global payment account that can be utilized in multiple countries that have different standards for formatting data. A user may be provided with a default country (e.g., United States) but may have a way to select that the user is in a different country (e.g., Japan). Accordingly, a user may select that a Japanese data structure be transmitted through a magnetic stripe reader when the user is in Japan.

99. 发明授权

US08517276B2 Cards and devices with multifunction magnetic emulators and methods for using same 有权
标题翻译：具有多功能磁力仿真器的卡和设备及其使用方法
公开(公告)号：US08517276B2
公开(公告)日：2013-08-27
申请号：US12339045
申请日：2008-12-19
申请人： Jeffrey David Mullen , David Lambeth , Bruce Cloutier
发明人： Jeffrey David Mullen , David Lambeth , Bruce Cloutier
IPC分类号： G06K19/06
CPC分类号： G06K19/06206 , G06F3/0488 , G06K7/0004 , G06K7/084 , G06K7/087 , G06K7/10297 , G06K19/06187 , G06K19/07 , G06K19/0702 , G06K19/0704 , G06K19/0723 , G06K19/0725 , G06K19/07345 , G06K19/07703 , G06K19/07705 , G06K19/07707 , G06K19/07709 , G06K19/07749 , G06K19/0775 , G06K19/07766 , G06K19/07769 , G06K19/07773 , G06Q20/18 , G06Q20/20 , G06Q20/34 , G06Q20/341 , G06Q20/3415 , G06Q20/352 , G06Q20/385 , G06Q20/401 , G06Q30/0222 , G06Q30/0241 , G06Q30/0277 , G06Q30/0641 , G07F7/0806 , G07F7/1008
摘要： A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable of communicating information to a magnetic stripe reader. Information used in validating a financial transaction is encrypted based on time such that a validating server requires receipt of the appropriate encrypted information for a period of time to validate a transaction for that period of time. Such dynamic information may be communicated using such an emulator such that a card may be swiped through a magnetic stripe reader—yet communicate different information based on time. An emulator may receive information as well as communicate information to a variety of receivers (e.g., an RFID receiver).
摘要翻译：支付卡（例如，信用卡和/或借记卡）设置有可操作以将信息传送到磁条读取器的磁性仿真器。用于验证金融交易的信息是基于时间加密的，使得验证服务器需要在一段时间内接收到适当的加密信息以验证该时间段内的交易。可以使用这样的仿真器来传送这样的动态信息，使得可以通过磁条读取器来刷卡，但是基于时间来传达不同的信息。仿真器可以接收信息以及将信息传送到各种接收器（例如，RFID接收器）。

100. 发明授权

US08459548B2 Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality 有权
标题翻译：支付卡和设备，配有礼品卡，全局集成和磁条阅读器通讯功能
公开(公告)号：US08459548B2
公开(公告)日：2013-06-11
申请号：US13187492
申请日：2011-07-20
申请人： Jeffrey D. Mullen , David Lambeth , Bruce Cloutier
发明人： Jeffrey D. Mullen , David Lambeth , Bruce Cloutier
IPC分类号： G06K5/00
CPC分类号： G06K19/06206 , G06F3/0488 , G06K7/0004 , G06K7/084 , G06K7/087 , G06K7/10297 , G06K19/06187 , G06K19/07 , G06K19/0702 , G06K19/0704 , G06K19/0723 , G06K19/0725 , G06K19/07345 , G06K19/07703 , G06K19/07705 , G06K19/07707 , G06K19/07709 , G06K19/07749 , G06K19/0775 , G06K19/07766 , G06K19/07769 , G06K19/07773 , G06Q20/18 , G06Q20/20 , G06Q20/34 , G06Q20/341 , G06Q20/3415 , G06Q20/352 , G06Q20/385 , G06Q20/401 , G06Q30/0222 , G06Q30/0241 , G06Q30/0277 , G06Q30/0641 , G07F7/0806 , G07F7/1008
摘要： A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine gift cards. Similarly, a user be provided with a global payment account that can be utilized in multiple countries that have different standards for formatting data. A user may be provided with a default country (e.g., United States) but may have a way to select that the user is in a different country (e.g., Japan). Accordingly, a user may select that a Japanese data structure be transmitted through a magnetic stripe reader when the user is in Japan.
摘要翻译：支付卡（例如，信用卡和/或借记卡）或其他设备（例如，移动电话）被提供有可操作以将数据传送到磁条读取头的磁性仿真器。礼品卡可以由用户输入到这种支付卡或其他设备中，使得用户可以组合礼品卡。类似地，向用户提供可以在具有用于格式化数据的不同标准的多个国家中使用的全球支付账户。可以向用户提供默认国家（例如，美国），但是可以具有选择用户在不同国家（例如，日本）中的方式。因此，当用户在日本时，用户可以选择通过磁条阅读器传送日文数据结构。

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