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31. 发明申请

WO2005086897A3 SYSTEM AND METHOD FOR SECURING RF TRANSACTIONS USING A RADIO FREQUENCY IDENTIFICATION DEVICE INCLUDING A TRANSACTIONS COUNTER 审中-公开
标题翻译：使用包括交易计数器的无线电频率标识设备来保护RF交易的系统和方法
公开(公告)号：WO2005086897A3
公开(公告)日：2009-04-02
申请号：PCT/US2005007905
申请日：2005-03-09
申请人： AMERICAN EXPRESS TRAVEL RELATE , BONALLE DAVID S , ISENBERG SUSAN E , SAUNDERS PETER D , WILLIAMSON JOHN R
发明人： BONALLE DAVID S , ISENBERG SUSAN E , SAUNDERS PETER D , WILLIAMSON JOHN R
IPC分类号： G06Q20/00 , G07C9/00
CPC分类号： G06Q20/20 , G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/327 , G06Q20/3278 , G06Q20/382 , G07C9/00111 , G07C9/00119 , G07F7/1083
摘要： A system and method for securing a Radio Frequency (RF) transaction using a RF identification device (RFID) transaction device is provided. The RFID transaction device includes a transactions counter for tallying the number of transactions attempted or completed with the RFID transactions device. The counter may be incremented by any predetermined amount, which may be predefined for a particular transaction device counter. The counter value is provided to an account issuer for use in determining if the counter value has exceeded a predetermined value correlative to the maximum number of transactions which may be completed using a transaction device.
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。 RFID交易设备包括用于计算用RFID交易设备尝试或完成的交易数量的交易计数器。计数器可以增加任何预定量，其可以针对特定交易设备计数器预定义。将计数器值提供给帐户发行者，以用于确定计数器值是否已经超过与可以使用交易设备完成的最大交易数相关的预定值。

32. 发明申请

WO2006039180A3 SYSTEM AND METHOD FOR AUTHENTICATING A RF TRANSACTION USING A RADIO FREQUENCY IDENTIFICATION DEVICE INCLUDING A TRANSACTIONS COUNTER 审中-公开
标题翻译：使用包括交易计数器的无线电频率识别设备来验证RF交易的系统和方法
公开(公告)号：WO2006039180A3
公开(公告)日：2007-03-01
申请号：PCT/US2005033986
申请日：2005-09-23
申请人： AMERICAN EXPRESS MARKETING & D , BISHOP FRED , SAUNDERS PETER D
发明人： BISHOP FRED , SAUNDERS PETER D
IPC分类号： G06Q20/00 , H04K1/00 , H04Q5/22
CPC分类号： G07G1/009 , G06Q20/04 , G06Q20/20 , G06Q20/203 , G06Q20/327 , G06Q20/3278 , G06Q20/382 , G06Q20/388 , G06Q40/00 , G07C9/00111
摘要： A system and method for securing a Radio Frequency (RF) transaction (100) a RF identification device (RFID) transaction device (102) is provided. RFID transaction device (102) includes a transactions counter for tallying the number of transactions attempted or completed with the RFID transactions device. Counter (118) value is used to create a RFID device authentication tag for use in validating the RFID device. A RFID reader, (104) interacting with the RFID device, provides a random number to the RFID device which may be used in the RFID device authentication tag creation and validation. RFID reader may also use counter value and random number to create a RFID reader authentication key useful for validating RFID reader. RFID transaction device may include an encryption key for creating RFID transaction device authentication tag. Likewise, RFID reader may include a RFID reader encryption key for creating RFID reader authentication tag.
摘要翻译：提供了一种用于确保射频识别设备（RFID）交易设备（102）的射频（RF）交易（100）的系统和方法。 RFID交易设备（102）包括用于计算尝试或完成的交易设备的交易数量的交易计数器。计数器（118）值用于创建用于验证RFID设备的RFID设备认证标签。与RFID设备交互的RFID读取器（104）向可以用于RFID设备认证标签创建和验证的RFID设备提供随机数字。 RFID读取器还可以使用计数器值和随机数来创建用于验证RFID读取器的RFID读取器认证密钥。 RFID交易设备可以包括用于创建RFID交易设备认证标签的加密密钥。类似地，RFID读取器可以包括用于创建RFID读取器认证标签的RFID读取器加密密钥。

33. 发明申请

WO2006044542A3 SYSTEM AND METHOD FOR REMOTELY INITIALIZING A RF TRANSACTION 审中-公开
公开(公告)号：WO2006044542A3
公开(公告)日：2006-04-27
申请号：PCT/US2005/036828
申请日：2005-10-14
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. , SAUNDERS, Peter
发明人： SAUNDERS, Peter
IPC分类号： G06Q99/00
摘要： The present invention relates to a process for providing a RF module configured to convert a nontraditional transaction device for traditional transaction completion. The RF module is placed in physical and logical communication with a microprocessor of a nontraditional transaction device for receiving a personalization file to enable the RF module to complete RF transactions. In an exemplary embodiment, the microprocessor is configured to receive the personalization file from a mobile device account provider subsequent to an end user establishing communication with the device account provider and notifying the provider that a RF module is to be personalized. The mobile device account provider may receive the personalization file from a RF module account issuer and provide the personalization file to the RF module via the mobile device microprocessor. In another exemplary embodiment, the mobile device may include a USB interface for use in providing the personalization file to the RF module by establishing communications between the USB interface and the mobile device account provider or the RF module account provider as required.

34. 发明申请

WO2006044542A2 SYSTEM AND METHOD FOR REMOTELY INITIALIZING A RF TRANSACTION 审中-公开
标题翻译：用于远程初始化RF事务的系统和方法
公开(公告)号：WO2006044542A2
公开(公告)日：2006-04-27
申请号：PCT/US2005036828
申请日：2005-10-14
申请人： AMERICAN EXPRESS TRAVEL RELATE , SAUNDERS PETER
发明人： SAUNDERS PETER
IPC分类号： G06Q99/00
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/3226 , G06Q20/325 , G06Q20/327 , G06Q20/3278 , G06Q20/341 , G06Q20/3552 , G06Q20/3674 , G07F7/0886 , G07F7/1008
摘要： The present invention relates to a process for providing a RF module configured to convert a nontraditional transaction device for traditional transaction completion. The RF module is placed in physical and logical communication with a microprocessor of a nontraditional transaction device for receiving a personalization file to enable the RF module to complete RF transactions. In an exemplary embodiment, the microprocessor is configured to receive the personalization file from a mobile device account provider subsequent to an end user establishing communication with the device account provider and notifying the provider that a RF module is to be personalized. The mobile device account provider may receive the personalization file from a RF module account issuer and provide the personalization file to the RF module via the mobile device microprocessor. In another exemplary embodiment, the mobile device may include a USB interface for use in providing the personalization file to the RF module by establishing communications between the USB interface and the mobile device account provider or the RF module account provider as required.
摘要翻译：本发明涉及一种用于提供RF模块的过程，该RF模块被配置为转换用于传统交易完成的非传统交易设备。 RF模块与非传统交易设备的微处理器进行物理和逻辑通信，以接收个性化文件以使RF模块完成RF交易。在示例性实施例中，微处理器被配置为在最终用户与设备账户提供者建立通信并且通知提供者RF模块将被个性化之后从移动设备账户提供者接收个性化文件。移动设备账户提供者可以从RF模块账户发行者接收个性化文件，并且经由移动设备微处理器将个性化文件提供给RF模块。在另一个示例性实施例中，移动设备可以包括USB接口，用于通过根据需要在USB接口与移动设备账户提供商或RF模块账户提供商之间建立通信来向RF模块提供个性化文件。

35. 发明申请

WO2006023198A3 A SYSTEM AND METHOD FOR DYNAMIC FOB SYNCHRONIZATION AND PERSONALIZATION 审中-公开
公开(公告)号：WO2006023198A3
公开(公告)日：2006-03-02
申请号：PCT/US2005/026067
申请日：2005-07-21
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES CO., INC. , BONALLE, David, S. , LARKIN, Carl , SAUNDERS, Peter, D.
发明人： BONALLE, David, S. , LARKIN, Carl , SAUNDERS, Peter, D.
IPC分类号： G06Q40/00
摘要： A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system An exemplary dynamic synchronization system (DSS) may comprise various fob POS devices, a secure support client server, a fob object database update system (FODUS), one or more enterprise data synchronization interfaces (EDSI), an update logic system, one or more enterprise data collection units (EDCUs), and one or more fob POS devices configured to interoperably accept and interface with fobs. In an exemplary embodiment, DSS may comprise a personalization system and an account maintenance system configured to communicate with FODUS. Personalization of multi-function fobs may be accomplished using a security server configured to generate and/or retrieve cryptographic key information from multiple enterprise key systems during the final phase of the fob issuance process.

36. 发明申请

WO2006023198A2 A SYSTEM AND METHOD FOR DYNAMIC FOB SYNCHRONIZATION AND PERSONALIZATION 审中-公开
标题翻译：一种用于动态FOB同步和个性化的系统和方法
公开(公告)号：WO2006023198A2
公开(公告)日：2006-03-02
申请号：PCT/US2005026067
申请日：2005-07-21
申请人： AMERICAN EXPRESS TRAVEL RELATE , BONALLE DAVID S , LARKIN CARL , SAUNDERS PETER D
发明人： BONALLE DAVID S , LARKIN CARL , SAUNDERS PETER D
IPC分类号： G06K19/00 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/40 , G07C9/00
CPC分类号： G06Q20/3829 , G06Q20/00 , G06Q20/04 , G06Q20/102 , G06Q20/14 , G06Q20/20 , G06Q20/3226 , G06Q20/327 , G06Q20/341 , G06Q20/342 , G06Q20/346 , G06Q20/355 , G06Q20/40145 , G07C9/00111 , G07C9/00119 , G07C2209/06 , G07F7/025 , G07F7/1008 , G07G1/14
摘要： A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system An exemplary dynamic synchronization system (DSS) may comprise various fob POS devices, a secure support client server, a fob object database update system (FODUS), one or more enterprise data synchronization interfaces (EDSI), an update logic system, one or more enterprise data collection units (EDCUs), and one or more fob POS devices configured to interoperably accept and interface with fobs. In an exemplary embodiment, DSS may comprise a personalization system and an account maintenance system configured to communicate with FODUS. Personalization of multi-function fobs may be accomplished using a security server configured to generate and/or retrieve cryptographic key information from multiple enterprise key systems during the final phase of the fob issuance process.
摘要翻译：公开了一种通常用于在分布式事务系统的上下文中个性化和同步fob数据的系统。动态FOB同步系统可以包括配置有转发器 - 读取器的服务点（POS）设备，以便与FOB，企业数据收集单元和Fob对象数据库更新系统一起发起事务。示例性动态同步系统（DSS）可以包括各种FOB POS设备，安全支持客户端服务器，FOB对象数据库更新系统（FODUS），一个或多个企业数据同步接口（EDSI），更新逻辑系统，一个或多个企业数据收集单元（EDCU）以及一个或多个FOB POS设备被配置为可互操作地接收和与fob接口。在示例性实施例中，DSS可以包括被配置为与FODUS通信的个性化系统和帐户维护系统。可以使用安全服务器来实现多功能抽头的个性化，所述安全服务器被配置为在货物发行处理的最后阶段期间从多个企业密钥系统生成和/或检索加密密钥信息。

37. 发明申请

WO2005098737A3 SYSTEM FOR BIOMETRIC SECURITY USING A FOB 审中-公开
标题翻译：使用FOB进行生物安全的系统
公开(公告)号：WO2005098737A3
公开(公告)日：2006-01-12
申请号：PCT/US2005009452
申请日：2005-03-21
申请人： INC AMERICAN EXPRESS TRAVEL RE , BEENAU BLAYN W , BONALLE DAVID S , FIELDS SETH W , GRAY WILLIAM J , LARKIN CARL , MONTGOMERY JOSHUA L , SAUNDERS PETER D
发明人： BEENAU BLAYN W , BONALLE DAVID S , FIELDS SETH W , GRAY WILLIAM J , LARKIN CARL , MONTGOMERY JOSHUA L , SAUNDERS PETER D
IPC分类号： G06F21/00 , G06K5/00 , G06Q20/00 , G07C9/00 , G07F7/10 , G06F17/00
CPC分类号： G07F7/1008 , G01D21/00 , G06F21/32 , G06F21/35 , G06F2221/2107 , G06Q20/00 , G06Q20/04 , G06Q20/105 , G06Q20/1085 , G06Q20/14 , G06Q20/20 , G06Q20/28 , G06Q20/32 , G06Q20/327 , G06Q20/3278 , G06Q20/341 , G06Q20/355 , G06Q20/382 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , G06Q30/0215 , G07C9/00063 , G07C9/00087 , G07C9/00103 , G07C9/00111 , G07C9/00119 , G07C2009/00095 , H04L63/0861 , H04L63/0869 , H04W12/06 , H04W88/02
摘要： The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.
摘要翻译：本发明公开了一种在应答器 - 读取器系统中使用生物特征的生物特征安全性的系统和方法。生物识别安全系统还包括检测生物特征样本的生物特征传感器和用于验证生物特征样本的装置。在一个实施例中，生物测定安全系统包括配置有生物测定传感器的应答器。在另一个实施例中，系统包括配置有生物特征传感器的读取器。用于验证样本的设备将生物特征样本与存储在数据库上的信息进行比较。

38. 发明申请

WO2005098737A2 SYSTEM FOR BIOMETRIC SECURITY USING A FOB 审中-公开
标题翻译：使用FOB进行生物安全的系统
公开(公告)号：WO2005098737A2
公开(公告)日：2005-10-20
申请号：PCT/US2005/009452
申请日：2005-03-21
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. , BEENAU, Blayn, W. , BONALLE, David, S. , FIELDS, Seth, W. , GRAY, William, J. , LARKIN, Carl , MONTGOMERY, Joshua, L. , SAUNDERS, Peter, D.
发明人： BEENAU, Blayn, W. , BONALLE, David, S. , FIELDS, Seth, W. , GRAY, William, J. , LARKIN, Carl , MONTGOMERY, Joshua, L. , SAUNDERS, Peter, D.
IPC分类号： G06K5/00
CPC分类号： G07F7/1008 , G01D21/00 , G06F19/00 , G06F21/32 , G06F21/35 , G06F2221/2107 , G06Q20/00 , G06Q20/04 , G06Q20/105 , G06Q20/1085 , G06Q20/14 , G06Q20/20 , G06Q20/28 , G06Q20/32 , G06Q20/327 , G06Q20/3278 , G06Q20/341 , G06Q20/355 , G06Q20/382 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , G06Q30/0215 , G07C9/00063 , G07C9/00087 , G07C9/00103 , G07C9/00111 , G07C9/00119 , G07C2009/00095 , H04L63/0861 , H04L63/0869 , H04W12/06 , H04W88/02
摘要： The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.
摘要翻译：本发明公开了一种在应答器 - 读取器系统中使用生物特征的生物特征安全性的系统和方法。生物识别安全系统还包括检测生物特征样本的生物特征传感器和用于验证生物特征样本的装置。在一个实施例中，生物测定安全系统包括配置有生物测定传感器的应答器。在另一个实施例中，系统包括配置有生物特征传感器的读取器。用于验证样本的设备将生物特征样本与存储在数据库上的信息进行比较。

39. 发明申请

WO2005089132A2 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION INSTRUMENT 审中-公开
标题翻译：用于管理RF交易仪器上的多个帐户的系统和方法
公开(公告)号：WO2005089132A2
公开(公告)日：2005-09-29
申请号：PCT/US2005/007097
申请日：2005-03-04
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. , BEENAU, Blayn, W. , BLIMAN, Michal , BONALLE, David, S. , MONTGOMERY, Joshua, L. , SAUNDERS, Peter, D. , WILLIAMSON, John, R.
发明人： BEENAU, Blayn, W. , BLIMAN, Michal , BONALLE, David, S. , MONTGOMERY, Joshua, L. , SAUNDERS, Peter, D. , WILLIAMSON, John, R.
IPC分类号： G06Q20/00 , G07F7/00 , G07F7/10
CPC分类号： G07F7/1008 , G06Q20/00 , G06Q20/14 , G06Q20/227 , G06Q20/341 , G06Q20/3552 , G06Q20/3572 , G06Q20/35765 , G06Q40/00 , G06Q40/02 , G07F17/0014
摘要： Systems and methods are configured to manage data sets associated with a transaction instrument. For example, a method is provided for facilitating the management of distinct data sets on a transaction instrument that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction instrument, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction instrument, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction instrument in accordance with an owner defined format. The first and second data sets may each be stored as a Block of Binary. Furthermore, the first data set may be updated and/or deleted from the financial transaction instrument by the data owner or the transaction instrument user, in real-time or substantially real-time or at a later date. In another example, a financial transaction instrument comprises a data set management system for facilitating the management of more than one data set, the transaction instrument comprising at least one data storage area configured to store a first data set of a first format and a second data set of a second format different than the first format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other. In yet another example, the data sets may be stored on a remote database under the identical arrangement as is stored on the transaction instrument.
摘要翻译：系统和方法被配置为管理与交易工具相关联的数据集。例如，提供了一种用于促进由不同数据集所有者提供的交易工具上的不同数据集的管理的方法，其中不同的数据集可以包括不同的格式。该方法包括以下步骤：通过读/写将第一数据集添加到金融交易工具，其中第一数据集由第一所有者拥有; 由所述读/写设备将所述第二数据集合加到所述金融交易工具，其中所述第二数据集由第二所有者拥有; 以及根据所有者定义的格式将所述第一数据集和所述第二数据集存储在所述金融交易工具上。第一和第二数据集可以各自存储为二进制块。此外，数据所有者或交易工具用户可以实时或基本上实时或稍后地从金融交易工具更新和/或删除第一数据集。在另一示例中，金融交易工具包括用于便于管理多于一个数据集的数据集管理系统，所述交易工具包括被配置为存储第一格式的第一数据集和第二数据的至少一个数据存储区第二格式的集合与第一格式不同。第一和第二数据集分别与第一和第二所有者相关联，并且被配置为彼此独立地存储。在又一示例中，数据集可以以与存储在交易工具上相同的排列方式存储在远程数据库上。

40. 发明申请

WO2005036444A1 APPARATUS AND METHOD FOR DETERMINING THE HEALTH EFFECTS ASSOCIATED WITH VARIOUS PRODUCTS 审中-公开
标题翻译：用于确定与各种产品相关的健康效果的装置和方法
公开(公告)号：WO2005036444A1
公开(公告)日：2005-04-21
申请号：PCT/SG2004/000340
申请日：2004-10-15
申请人： NATIONAL UNIVERSITY OF SINGAPORE , CHEN, Yu Zong , SAUNDERS, Peter , CAO, Zhi Wei
发明人： CHEN, Yu Zong , SAUNDERS, Peter , CAO, Zhi Wei
IPC分类号： G06F19/00
CPC分类号： G06F19/324 , G06F19/00 , G06F19/326 , G06F19/3456 , G06Q50/22
摘要： There is provided an apparatus and method for determining health effect of a selected product, or products(s) providing a selected health effect. The apparatus comprises a database of products and associated health effects; an input for a user to input the selected product or selected health effect; a processor for determining health effect of the selected product from the database and/or for determining product(s) from the database providing the selected health effect; and an output for outputting information to the user. The method comprises the steps of providing a database of products and associated health effects; inputting the selected product or selected health effect into a user input; determining health effect of the selected product from the database, or product(s) from the database providing the selected health effect; and outputting information to the user.
摘要翻译：提供了用于确定所选产品或提供所选健康效果的产品的健康影响的装置和方法。该装置包括产品数据库和相关的健康影响; 输入用户输入所选择的产品或选定的健康效果; 用于从数据库确定所选产品的健康影响和/或用于从提供所选健康效果的数据库中确定产品的处理器; 以及用于向用户输出信息的输出。该方法包括提供产品数据库和相关健康效果的步骤; 将所选择的产品或所选的健康效果输入到用户输入中; 确定来自数据库的所选产品的健康影响，或提供所选健康效果的来自数据库的产品; 并向用户输出信息。

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