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71. 发明申请

US20090166420A1 METHODS AND APPARATUS FOR PERSONALIZING MERCHANT DEVICE FOR RECEIVING CONTACTLESS PAYMENTS 有权
标题翻译：个性化用于接收无偿付款的商品装置的方法和装置
公开(公告)号：US20090166420A1
公开(公告)日：2009-07-02
申请号：US12031317
申请日：2008-02-14
申请人： Simon Phillips
发明人： Simon Phillips
IPC分类号： G06K7/01
CPC分类号： G07F7/0806 , G06Q20/12 , G06Q20/327 , G06Q20/352 , G06Q20/356 , G06Q30/06
摘要： A method includes receiving a contactless smart card. The method further includes bringing the contactless smart card into proximity with a merchant device so as to transfer information from the contactless smart card to the merchant device. The transferred information enables the merchant device to receive contactless payments.
摘要翻译：一种方法包括接收非接触式智能卡。该方法还包括使非接触智能卡与商家设备接近，以便将信息从非接触式智能卡传送到商家设备。转移的信息使得商家设备能够接收非接触式支付。

72. 发明授权

US07533826B2 Electronic wallet 有权
标题翻译：电子钱包
公开(公告)号：US07533826B2
公开(公告)日：2009-05-19
申请号：US11674242
申请日：2007-02-13
申请人： Simon Phillips
发明人： Simon Phillips
IPC分类号： G06K7/00 , G06K19/06
CPC分类号： A45C11/182 , G06K19/005 , G06K19/07345
摘要： A case for holding a contactless smart card includes a set of plastic walls for defining a generally planar space. The space may be for housing one smart card or alternatively may be for housing two smart cards. The walls include two parallel walls which each have a planar extent that corresponds to a planar extent of the generally planar space. The two parallel walls include a first wall and a second wall. The first wall has an actuation region formed therein to permit a user's finger to actuate, through the first wall, a switch on the smart card. If the case is for holding two cards, then there is also an actuation region in the second wall. In some embodiments, the case may include additional spaces each for housing one or two cards.
摘要翻译：用于保持非接触式智能卡的壳体包括用于限定大致平坦的空间的一组塑料壁。该空间可以用于容纳一个智能卡，或者可以用于容纳两个智能卡。壁包括两个平行的壁，每个壁具有对应于大致平坦的空间的平面范围的平面度。两个平行的壁包括第一壁和第二壁。第一壁具有形成在其中的致动区域，以允许使用者的手指通过第一壁致动智能卡上的开关。如果是用于拿住两张卡的情况，那么在第二个墙壁上也有一个致动区域。在一些实施例中，壳体可以包括用于容纳一张或两张卡片的附加空间。

73. 发明申请

US20080203171A1 System And Method Enabling Fourth Line Embossing On Contactless Cards 有权
标题翻译：系统和方法启用非接触式卡上的第四线压花
公开(公告)号：US20080203171A1
公开(公告)日：2008-08-28
申请号：US11866550
申请日：2007-10-03
申请人： Simon Phillips
发明人： Simon Phillips
IPC分类号： G06K19/067 , H01P11/00
CPC分类号： G06K19/07749 , H01Q1/2216 , Y10T29/49016 , Y10T29/49165
摘要： Antenna designs are provided for contactless payment cards. The antennas have reduced size compared to the size of traditional rectangular antennas deployed in ISO-format contactless payment cards. The reduced size antennas are geometrical disposed in areas removed from card areas designated for embossing or trimming.
摘要翻译：为非接触式支付卡提供天线设计。与ISO格式非接触式支付卡中部署的传统矩形天线的尺寸相比，天线尺寸减小。减小尺寸的天线几何地布置在从被指定用于压花或修剪的卡区域移除的区域中。

74. 外观设计

USD574145S1 Keyring fob proximity payment device holder 有权
标题翻译：钥匙扣邻近支付装置持有人
公开(公告)号：USD574145S1
公开(公告)日：2008-08-05
申请号：US29268385
申请日：2006-11-06
申请人： Simon Phillips
设计人： Simon Phillips

75. 发明申请

US20080165006A1 ENABLING IDENTIFICATION TOKEN FOR A TIMED PERIOD 有权
标题翻译：为期限启用识别代码
公开(公告)号：US20080165006A1
公开(公告)日：2008-07-10
申请号：US11852763
申请日：2007-09-10
申请人： Simon Phillips
发明人： Simon Phillips
IPC分类号： G08B13/14
CPC分类号： G07F7/0806 , G06Q20/20 , G06Q20/32 , G06Q20/3278 , G06Q20/352 , G06Q20/354 , G07F7/08
摘要： In accordance with some embodiments, an apparatus includes: a support structure; a storage circuit mounted in or on the support structure, the storage circuit for storing data; an antenna mounted in or on the support structure and coupled to the storage circuit for selectively transmitting the data; a switch mounted in or on the support structure, the switch being for initiating a time period in which the apparatus is enabled; and a timing circuit mounted in or on the support structure, the timing circuit being responsive to the switch for setting an end point to the time period; wherein the apparatus is operative to perform data exchange with a reader via the antenna only during the time period. In accordance with some embodiments, a method of operating an identification token includes detecting actuation of a switch on the identification token; in response to the detected actuation of the switch: enabling the identification token; and initiating a time period; determining an end point of the time period; and disabling the identification token if the end point of the time period is reached.
摘要翻译：根据一些实施例，一种装置包括：支撑结构; 安装在支撑结构中或其上的存储电路，用于存储数据的存储电路; 安装在所述支撑结构中或所述支撑结构上并耦合到所述存储电路的天线，用于选择性地发送所述数安装在所述支撑结构中或所述支撑结构上的开关，所述开关用于启动所述装置启用的时间段; 以及定时电路，其安装在所述支撑结构中或所述支撑结构上，所述定时电路响应于所述开关以将端点设定为所述时间段; 其中所述装置仅在所述时间段期间经由所述天线执行与读取器的数据交换。根据一些实施例，操作识别令牌的方法包括检测识别令牌上的开关的致动; 响应于所检测到的所述开关的致动：启用所述识别令牌; 并启动一段时间; 确定时间段的终点; 如果到达时间段的终点，则禁用识别令牌。

76. 发明申请

US20080121707A1 METHOD, APPARATUS, ASEMBLY AND KIT FOR IDENTIFICATION TOKEN 有权
标题翻译：方法，装置，ASEMBLY和识别TOKEN工具包
公开(公告)号：US20080121707A1
公开(公告)日：2008-05-29
申请号：US11935750
申请日：2007-11-06
申请人： Simon Phillips , Barry Roy Mosteller
发明人： Simon Phillips , Barry Roy Mosteller
IPC分类号： G06K7/08 , G06K19/06
CPC分类号： G06K19/07749 , G06K19/07769
摘要： In some embodiments, an identification token assembly includes: a card-shaped plastic body having a first edge and a second edge, said plastic body having a scored line formed therein, the plastic body including a subcard body extending from the first edge of the plastic body to the second edge of the plastic body, the scored line adapted to allow the subcard body to be manually snapped off from the plastic body; a radio frequency identification (RFID) integrated circuit (IC) supported by the subcard body; and an antenna supported by the subcard body and coupled to the RFID IC to transmit a signal generated by the RFID IC. In some embodiments, a kit includes: a first assembly including an identification token assembly; and a second assembly including: a body; a holder releasably attached to the body, the holder including a seat adapted to receive the subcard body after the subcard body is snapped off from the plastic body. In some embodiments, an assembly includes: a generally flat body; a carrier attached to the generally flat body, the carrier defining a seat; and a holder releasably received in the seat of the carrier, the holder defining a seat to receive an identification token. In some embodiments, a method includes: providing a card-shaped plastic body having a first edge and a second edge; scoring said plastic body from the first edge of the plastic body to the second edge of the plastic body to define a subcard body extending from the first edge of the plastic body to the second edge of the plastic body, the scored line adapted to allow the subcard body to be manually snapped off from the plastic body; supporting a radio frequency identification (RFID) integrated circuit (IC) and an antenna with the subcard body; and coupling the antenna to the RFID IC.
摘要翻译：在一些实施例中，识别令牌组件包括：卡形塑料体，其具有第一边缘和第二边缘，所述塑料体具有形成在其中的划线，所述塑料体包括从塑料的第一边缘延伸的子卡体身体到塑料体的第二边缘，刻痕线适于允许将人体卡片从塑料体手动地扣合; 由子卡主体支持的射频识别（RFID）集成电路（IC）; 以及由所述子卡体支撑并且耦合到所述RFID IC以发射由所述RFID IC产生的信号的天线。在一些实施例中，套件包括：包括识别令牌组件的第一组件; 和第二组件，包括：身体; 保持器，其可释放地附接到主体，所述保持器包括适于在所述子卡体从所述塑料主体卡扣之后接收所述子卡体的座。在一些实施例中，组件包括：大致平坦的主体; 附接到大致平坦的主体的托架，所述托架限定座椅; 以及可释放地容纳在所述承载件的所述座中的保持器，所述保持器限定座以接收识别令牌。在一些实施例中，一种方法包括：提供具有第一边缘和第二边缘的卡形塑料体; 将所述塑料体从塑料体的第一边缘划分到塑料体的第二边缘，以限定从塑料体的第一边缘延伸到塑料体的第二边缘的子卡体，所述刻痕线适于允许子卡体从塑料体手动扣除; 支持射频识别（RFID）集成电路（IC）和具有子卡体的天线; 并将天线耦合到RFID IC。

77. 发明申请

US20080011859A1 Method and apparatus for personalizing contactless card with switch 有权
标题翻译：使用开关个性化非接触式卡的方法和装置
公开(公告)号：US20080011859A1
公开(公告)日：2008-01-17
申请号：US11702714
申请日：2007-02-06
申请人： Simon Phillips
发明人： Simon Phillips
IPC分类号： G06K19/00
CPC分类号： G06K19/07345
摘要： An identification token is provided which includes a radio frequency identification (RFID) integrated circuit (IC), an antenna and a switch. The switch is normally in a first state and is actuatable by a user's finger to a second state different from the first state. The identification token includes a conductive connection connected to at least one of the RFID IC and the antenna. The identification token is enabled to send and receive signals so long as the conductive connection is unbroken. The identification token is subjected to a personalization process and the conductive connection is broken after or during the personalization process. After the conductive connection is broken, the switch operates to switch the identification token between operative and in operative states. Before the conductive connection is broken, the switch is actuatable but actuating the switch does not change the state of the identification token.
摘要翻译：提供了一种识别令牌，其包括射频识别（RFID）集成电路（IC），天线和开关。开关通常处于第一状态，并且可由用户的手指致动到与第一状态不同的第二状态。识别令牌包括连接到RFID IC和天线中的至少一个的导电连接。只要导电连接不间断，识别令牌就可以发送和接收信号。识别令牌经受个性化处理，并且在个性化处理之后或期间导电连接断开。在导电连接断开后，开关操作，以便在操作状态和工作状态之间切换识别令牌。在导电连接断开之前，开关是可启动的，但是启动开关不会改变识别令牌的状态。

78. 发明授权

US10510056B2 Method and system for multiple payment applications 有权
公开(公告)号：US10510056B2
公开(公告)日：2019-12-17
申请号：US13287640
申请日：2011-11-02
申请人： Ronald D. Carter , Simon Phillips , Jonathan Main
发明人： Ronald D. Carter , Simon Phillips , Jonathan Main
IPC分类号： G06Q20/40 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/36 , G06Q20/38
摘要： Methods and systems for receiving a proximity payment account number (PPAN) with payment transaction data for a payment transaction from a mobile device, the PPAN selected from at least one PPAN; mapping the received PPAN to a primary account number (PAN); generating an authorization request for the payment transaction based on the PAN and the payment transaction data; receiving an authorization response message; and providing an output including the authorization response message and the PPAN.

79. 发明授权

US10210512B2 Transaction count synchronization in payment system 有权
公开(公告)号：US10210512B2
公开(公告)日：2019-02-19
申请号：US11674316
申请日：2007-02-13
申请人： Simon Phillips
发明人： Simon Phillips
IPC分类号： G06Q20/38 , G06Q20/30 , G06Q20/20
摘要： A payment system transaction authorization server computer, or another computer, performs calculations to determine a transaction count value stored in a payment device for which a transaction authorization request was sent to the authorization server computer. The computer in question “guesses” appropriate transaction count values, and then attempts to duplicate an encryption calculation result that was originally generated by the payment device and that was included in the transaction authorization request.

80. 发明授权

US09785943B2 Methods for risk management in payment device system 有权
公开(公告)号：US09785943B2
公开(公告)日：2017-10-10
申请号：US12731521
申请日：2010-03-25
申请人： Simon Phillips , Ronald D. Carter
发明人： Simon Phillips , Ronald D. Carter
IPC分类号： G06Q40/00 , G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/40 , G06Q40/00 , G06Q40/12
摘要： A method includes setting a risk management limit to be applied to authorized purchase transactions for a payment card account. The method further includes detecting that purchase transactions for the payment card account have approached the risk management limit and sending a message to the account holder to notify the account holder that the risk management limit is imminent. In addition, the method includes detecting that the account holder has requested re-setting of the risk management limit and then re-setting the risk management limit.

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