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1. 发明专利

JP2013137780A System and method for motivating payment by using radio frequency identification in contact and non-contact transaction 有权
标题翻译：通过使用无线电频率识别接触和非接触交易来支付付款的系统和方法
公开(公告)号：JP2013137780A
公开(公告)日：2013-07-11
申请号：JP2013020176
申请日：2013-02-05
申请人： Xatra Fund Mx Llc , ザトラファンドエムエックス, エルエルシー
发明人： BERARDI MICHAEL J , BLIMAN MICHAL , BONALLE DAVID , ELWOOD JENNIFER A , HOOD MATTHEW C , ISENBERG SUSAN E , MAYERS ALEXANDRA , PERRY TREVOR J , SAUNDERS PETER D , SCHEDING KATHRYN D , SHAH SEJAL AJIT , VONWALD KRISTIN L , WILLIAMSON JOHN R
IPC分类号： G07G1/12 , G06K17/00 , G06K19/07 , G06K19/10 , G06Q20/00 , G07C9/00 , G07G1/00
CPC分类号： G07C9/00119 , G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/327
摘要： PROBLEM TO BE SOLVED: To provide a transponder/reader payment system.SOLUTION: A transponder/reader payment system 100A includes a fob 102 including a transponder 114 and an RFID reader 104 for interrogating the transponder. This system further includes a payment device associated with a payment account to be shared with the fob although it is separated from the fob. In an illustrative operation, fob identification information or payment device information is presented to the RFID reader for completing a transaction request. A process server receives a transaction request, and responds to the transaction request in accordance with a predetermined payment reference. The process server further reinforces an acquisition point account on the basis of the use of the fob or the payment device, and stimulates the use of the fob in one case, and stimulates the use of the payment device in the other case.
摘要翻译：要解决的问题：提供应答器/读取器支付系统。解决方案：应答器/读取器支付系统100A包括一个包含应答器114和用于询问应答器的RFID读取器104的机架102。该系统还包括与付款帐户相关联的支付设备，以便与小商店共享，尽管它与货架分离。在说明性操作中，将FOB识别信息或支付设备信息呈现给RFID读取器以完成交易请求。流程服务器接收交易请求，并根据预定的支付参考来响应交易请求。处理服务器基于使用小支架或支付装置进一步强化采购点帐户，并且在一种情况下刺激小袋的使用，并且在另一种情况下刺激支付装置的使用。

2. 发明专利

JP2009199613A System and method for converting stored value card to credit card 有权
标题翻译：将存储卡转换为信用卡的系统和方法
公开(公告)号：JP2009199613A
公开(公告)日：2009-09-03
申请号：JP2009108440
申请日：2009-04-27
申请人： Xatra Fund Mx Llc , ザトラファンドエムエックス, エルエルシー
发明人： BISHOP FRED , NEEMANN TREY , ARMES DAVID
IPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/36 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G07F7/02 , G07F7/08
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/108 , G06Q20/3676 , G06Q20/401 , G06Q30/06 , G06Q40/00 , G07F7/02 , G07F7/0833
摘要： PROBLEM TO BE SOLVED: To provide a system and method for transferring the association of a transaction card number from a first type of account to a second type of account. SOLUTION: A method and system are provided for converting a first transaction account device to a second transaction account device. In the method and system, the number 6 of a card 5 associated with or defined as a first transaction account 6, e.g., a stored value account is re-associated with or redefined as a second transaction account, e.g., a credit card account. COPYRIGHT: (C)2009,JPO&INPIT
摘要翻译：要解决的问题：提供一种用于将交易卡号从第一类型的帐户转移到第二类型的帐户的系统和方法。解决方案：提供了一种用于将第一交易账户设备转换为第二交易账户设备的方法和系统。在方法和系统中，与第一交易账户6相关联或被定义为第一交易账户6（例如存储值账户）的卡5的数量6与第二交易账户（例如，信用卡账户）重新关联或重新定义为第二交易账户。版权所有（C）2009，JPO＆INPIT

3. 发明专利

JP2009301578A System and method for motivating payment by using radio frequency identification in contact and non-contact transaction 审中-公开
标题翻译：通过使用无线电频率识别接触和非接触交易来支付付款的系统和方法
公开(公告)号：JP2009301578A
公开(公告)日：2009-12-24
申请号：JP2009218182
申请日：2009-09-18
申请人： Xatra Fund Mx Llc , ザトラファンドエムエックス, エルエルシー
发明人： BERARDI MICHAEL J , BLIMAN MICHAL , BONALLE DAVID , ELWOOD JENNIFER A , HOOD MATTHEW C , ISENBERG SUSAN E , MAYERS ALEXANDRA , PERRY TREVOR J , SAUNDERS PETER D , SCHEDING KATHRYN D , SHAH SEJAL AJIT , VONWALD KRISTIN L , WILLIAMSON JOHN R
IPC分类号： G07G1/12 , G06K17/00 , G06K19/07 , G06K19/10 , G06Q20/00 , G07C9/00 , G07G1/14
CPC分类号： G07C9/00119 , G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/327
摘要： PROBLEM TO BE SOLVED: To provide a transponder-reader payment system. SOLUTION: The transponder-reader payment system includes: a fob that includes a transponder; and an RFID reader that interrogates the transponder. Although this system is separated from the fob, it can further include a payment device associated with a payment account tat is shared with the fob. In an exemplary operation, fob identification information or payment device information can be presented to the RFID reader for completion of a transaction request. A process server can receive the transaction request and respond to the transaction request in accordance with a predetermined payment criterion. Based on the fob or the payment device use, the process server can further build up an acquired point account; and encourage use of the fob in an example, while encourage use of the payment device in another example. COPYRIGHT: (C)2010,JPO&INPIT
摘要翻译：要解决的问题：提供一个应答器阅读器支付系统。解决方案：应答器 - 读取器支付系统包括：包括应答器的小窝; 以及询问应答器的RFID读取器。虽然该系统与FOB分离，但是它可以进一步包括与支付账户相关联的支付设备，其与支票架共享。在示例性操作中，可以将RFID标签信息或支付设备信息呈现给RFID读取器以完成交易请求。处理服务器可以接收交易请求并根据预定的支付标准来响应交易请求。根据Fob或支付设备的使用情况，流程服务器可以进一步构建一个获取的点账户; 并鼓励在一个例子中使用FOB，同时鼓励在另一个例子中使用付款设备。版权所有（C）2010，JPO＆INPIT

4. 发明专利

AU2005294782A1 Systems and methods for providing a RF transaction device for use in a private label transaction 未知
公开(公告)号：AU2005294782A1
公开(公告)日：2006-04-20
申请号：AU2005294782
申请日：2005-03-04
申请人： XATRA FUND MX LLC
发明人： FEHLHABER JEFF , BONALLE DAVID S , SAUNDERS PETER D
IPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q40/02 , G07C9/00 , G07F7/10
摘要： A RF transaction device is provided, which is operable to store a private label transaction account identifier associated with a private label transaction account. The invention further includes a RF operable reader in communication with a private label transaction processing system. The RF transaction device communicates with the reader to provide the private label transaction account identifier to the transaction processing system. As such, the invention provides a RF transaction device which may be used to complete a transaction using RF frequency in a contactless environment.

5. 发明专利

AU2005295684B2 System and method for providing a RF payment solution to a mobile device 未知
公开(公告)号：AU2005295684B2
公开(公告)日：2009-12-24
申请号：AU2005295684
申请日：2005-10-14
申请人： XATRA FUND MX LLC
发明人： SAUNDERS PETER D , BISHOP FRED
IPC分类号： G06F7/00
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.

6. 发明专利

AU2002318293B2 System and method for payment using radio frequency identification in contact and contactless transactions 未知
公开(公告)号：AU2002318293B2
公开(公告)日：2007-12-06
申请号：AU2002318293
申请日：2002-07-10
申请人： XATRA FUND MX LLC
发明人： SCHEDING KATHRYN D , BERARDI MICHAEL J , HOOD MATTHEW C , SHAH SEJAL AJIT , ELWOOD JENNIFER ANNE , ISENBERG SUSAN E , WILLIAMSON JOHN R , BONALLE DAVID S , MAYERS ALEXANDRA , SAUNDERS PETER D , BLIMAN MICHAL
IPC分类号： G06K17/00 , G06Q20/00 , G07C9/00
摘要： A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.

7. 发明专利

AU2005295767A1 System and method for remotely initializing a RF transaction 未知
公开(公告)号：AU2005295767A1
公开(公告)日：2006-04-27
申请号：AU2005295767
申请日：2005-10-14
申请人： XATRA FUND MX LLC
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.

8. 发明公开

EP1958121A2 SYSTEMS AND METHODS FOR NON-TRADITIONAL PAYMENT 审中-公开
标题翻译：系统和方法非传统支付
公开(公告)号：EP1958121A2
公开(公告)日：2008-08-20
申请号：EP06736827.4
申请日：2006-03-01
申请人： Xatra Fund MX, LLC
发明人： BISHOP, Fred , SAUNDERS, Peter, D.
IPC分类号： G06K5/00
CPC分类号： G06Q20/327 , G06Q20/32 , G06Q20/3572 , G06Q20/385
摘要： The present invention includes systems and methods for facilitating transactions using non-traditional devices. A method of the present invention includes the steps of forming a transaction request at a non-traditional device, and communicating the transaction request to a reader. In one embodiment, the non-traditional device may be configured with a transponder or other RF operable device. In another embodiment, the non-traditional device may be configured with an RFID protocol, such as a protocol in ISO 8583 format. In yet another embodiment, the non-traditional device may be configured to facilitate transactions using a random number, an authentication tag, a counter, or an encrypted payload.

9. 发明公开

EP1815419A4 SYSTEM AND METHOD FOR REMOTELY INITIALIZING A RF TRANSACTION 审中-公开
标题翻译：系统和方法射频远程初始化交易
公开(公告)号：EP1815419A4
公开(公告)日：2009-11-11
申请号：EP05820816
申请日：2005-10-14
申请人： XATRA FUND MX LLC
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

10. 发明公开

EP1805699A4 SYSTEMS AND METHODS FOR PROVIDING A RF TRANSACTION DEVICE FOR USE IN A PRIVATE LABEL TRANSACTION 审中-公开
标题翻译：系统和方法提供射频交易设备用在自有品牌DEAL
公开(公告)号：EP1805699A4
公开(公告)日：2009-06-03
申请号：EP05724693
申请日：2005-03-04
申请人： XATRA FUND MX LLC
发明人： BONALLE DAVID S , FEHLHABER JEFF , SAUNDERS PETER D
IPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q40/02 , G07C9/00 , G07F7/10
CPC分类号： G07F7/1008 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q20/20 , G06Q20/327 , G06Q20/341 , G06Q20/3552 , G06Q20/3572 , G06Q20/35765 , G06Q40/02 , G07C9/00111 , G07C9/00119
摘要： A RF transaction device is provided, which is operable to store a private label transaction account identifier associated with a private label transaction account. The invention further includes a RF operable reader in communication with a private label transaction processing system. The RF transaction device communicates with the reader to provide the private label transaction account identifier to the transaction processing system. As such, the invention provides a RF transaction device which may be used to complete a transaction using RF frequency in a contactless environment.

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