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11. 发明授权

US08543496B2 User experience on mobile phone 有权
标题翻译：手机用户体验
公开(公告)号：US08543496B2
公开(公告)日：2013-09-24
申请号：US11741268
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： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/108 , G06Q20/32 , G06Q20/322 , G06Q20/3255 , G06Q20/3572 , G06Q20/3574 , G06Q20/363 , G06Q20/403 , G06Q20/4033 , G06Q20/405 , G07F7/08 , G07F7/1008 , G07F7/1025
摘要： A method of operating a mobile phone as a financial transaction instrument is provided. Security features, which can disable the mobile phone so as to prevent account information from being transmitted, incorporate transaction limits and the use of a personal identification number.
摘要翻译：提供了一种操作手机作为金融交易工具的方法。可以禁用移动电话以防止发送帐号信息的安全功能包含交易限制和个人识别号码的使用。

12. 发明申请

US20110270759A1 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知数的系统和方法
公开(公告)号：US20110270759A1
公开(公告)日：2011-11-03
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。

13. 发明申请

US20100211505A1 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：US20100211505A1
公开(公告)日：2010-08-19
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： G06Q50/00 , G06K5/00 , G06Q10/00 , G06Q40/00 , H04L9/00
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。

14. 发明授权

US07587756B2 Methods and apparatus for a secure proximity integrated circuit card transactions 有权
标题翻译：用于安全接近式集成电路卡交易的方法和装置
公开(公告)号：US07587756B2
公开(公告)日：2009-09-08
申请号：US10710611
申请日：2004-07-23
申请人： Lee J. Peart , Peter D. Saunders
发明人： Lee J. Peart , Peter D. Saunders
IPC分类号： G06F7/04 , H04L9/00 , G06F11/00
CPC分类号： G06Q20/18 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/20 , G06Q20/327 , G06Q20/352 , G06Q20/40 , G06Q20/4016 , G07F7/127
摘要： Methods and apparatus for a smartcard system are provided which securely and conveniently provides for secure transaction completion in a contact or contactless environment. The invention utilizes selection of processing applications based on the account issuer parameters and risk factors (stored on a smartcard) and merchant system parameters and risk factors (stored on a merchant system database). The invention permits a merchant system and smartcard to exchange information useful for determining if particular transactions should be completed online or offline.
摘要翻译：提供用于智能卡系统的方法和装置，其安全地和方便地提供在接触或非接触环境中的安全交易完成。本发明基于账户发行者参数和存储在智能卡上的风险因素以及商家系统参数和风险因素（存储在商家系统数据库中）来利用处理应用的选择。本发明允许商家系统和智能卡交换有用的信息，用于确定特定交易是否应在线或离线完成。

15. 发明授权

US07542942B2 System and method for securing sensitive information during completion of a transaction 有权
标题翻译：在交易完成期间确保敏感信息的系统和方法
公开(公告)号：US07542942B2
公开(公告)日：2009-06-02
申请号：US10708569
申请日：2004-03-11
申请人： Lee J. Peart , Peter D. Saunders
发明人： Lee J. Peart , Peter D. Saunders
IPC分类号： G06Q40/00
CPC分类号： G06Q20/327 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/20 , G06Q20/385 , G07C9/00111 , G07C9/00119
摘要： A system and method for securing a Radio Frequency (RF) transaction using a proxy code, which is permanently assigned to the RF identification device (RFID) transaction account number. An account issuer permanently assigns the proxy code to a transaction account correlated to the RFID transaction device. The proxy code is uploaded onto the transaction device for later use in completing a transaction request. During transaction completion, the proxy code is provided to a merchant system in lieu of any sensitive transaction account information. Since the proxy code is permanently assigned, the number need not be changed or updated once uploaded into a payment device or merchant system. Since the proxy code contains no sensitive information, the sensitive information related to the transaction account is secured from theft where the merchant system internal security measures may fail.
摘要翻译：一种用于使用代理代码来保护射频（RF）事务的系统和方法，其被永久分配给RF识别设备（RFID）交易帐号。账户发行人将代理代码永久分配给与RFID交易设备相关的交易账户。代理代码被上传到事务设备上以备以后用于完成事务请求。在交易完成期间，将代理代码提供给商家系统以代替任何敏感的交易账户信息。由于代理代码被永久分配，因此上传到支付设备或商家系统后，该号码不需要更改或更新。由于代理代码不包含敏感信息，所以与商务系统内部安全措施可能失败的盗窃有关的敏感信息与交易账户有关。

16. 发明申请

US20080268811A1 PAYMENT APPLICATION DOWNLOAD TO MOBILE PHONE AND PHONE PERSONALIZATION 有权
标题翻译：付款申请下载到移动电话和电话个人化
公开(公告)号：US20080268811A1
公开(公告)日：2008-10-30
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
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。

17. 发明授权

US08688570B2 System and method for performing person-to-person funds transfers via wireless communications 有权
标题翻译：通过无线通信执行个人到个人资金转移的系统和方法
公开(公告)号：US08688570B2
公开(公告)日：2014-04-01
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 , G06K5/00
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。

18. 发明授权

US08387873B2 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：US08387873B2
公开(公告)日：2013-03-05
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： 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。

19. 发明申请

US20110161235A1 SYSTEM AND METHOD FOR SECURING RF TRANSACTIONS USING A RADIO FREQUENCY IDENTIFICATION DEVICE INCLUDING A RANDOM NUMBER GENERATOR 审中-公开
标题翻译：使用包括随机数发生器的无线电频率鉴别装置来保护RF交易的系统和方法
公开(公告)号：US20110161235A1
公开(公告)日：2011-06-30
申请号：US13040513
申请日：2011-03-04
申请人： Blayn W. Beenau , Seth W. Fields , Jon Imada , John McDonald , Lee J. Peart , John Rojewski , Peter D. Saunders
发明人： Blayn W. Beenau , Seth W. Fields , Jon Imada , John McDonald , Lee J. Peart , John Rojewski , Peter D. Saunders
IPC分类号： G06Q20/00 , H04L9/28 , H04K1/00
CPC分类号： G06Q20/4014 , G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/20 , G06Q20/206 , G06Q20/327 , G06Q20/341 , G06Q20/3674 , G06Q20/401 , G06Q20/40145 , G06Q20/4093 , G06Q20/40975 , G06Q30/0267 , G06Q30/0268 , G07C9/00111 , G07C9/00119 , G07F7/1008
摘要： A system and method for securing a Radio Frequency (RF) transaction using a RF identification device (RFID) transaction device is provided. The method includes a RFID transaction device including a random number generator for generating a random number. The random number may be used by an account issuer to verify the validity of a RFID transaction device or RFID reader communicating on the RF transactions network. The authorizing agent may receive the random number and compare the random number to a device validating code.
摘要翻译：提供了一种使用RF识别设备（RFID）交易设备来确保射频（RF）交易的系统和方法。该方法包括：RFID交易装置，其包括用于生成随机数的随机数发生器。会计发行人可以使用随机数来验证在RF交易网络上通信的RFID交易设备或RFID阅读器的有效性。授权代理可以接收随机数并将随机数与设备验证码进行比较。

20. 发明授权

US09881294B2 RF payment via a mobile device 有权
公开(公告)号：US09881294B2
公开(公告)日：2018-01-30
申请号：US12349825
申请日：2009-01-07
申请人： Fred Bishop , Peter D. Saunders
发明人： Fred Bishop , Peter D. Saunders
IPC分类号： G06Q20/00 , G06Q20/32 , G06K19/077 , G06Q20/34 , G06Q20/38 , G06Q20/40 , G06Q30/06 , G07F7/08 , G07F7/10
CPC分类号： G06Q20/32 , G06K19/07749 , G06Q20/3226 , G06Q20/325 , G06Q20/3278 , G06Q20/341 , G06Q20/347 , G06Q20/382 , G06Q20/40 , G06Q20/4014 , G06Q30/06 , G07F7/08 , G07F7/0833 , G07F7/0886 , G07F7/10 , G07F7/1008 , G07F7/1075
摘要： A nontraditional transaction device, for example a mobile device, may be employed to complete a transaction. The mobile device may utilize radio frequency (RF) communication and/or authentication to facilitate completion of a transaction. Secondary identification information, for example voice recognition data, biometric recognition data, or alphanumeric data, may be utilized for secondary end user authentication. For security reasons, the mobile device account data may transmitted after the secondary identification information is verified.

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