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1. 发明申请

US20080128513A1 BANK ISSUED CONTACTLESS PAYMENT CARD USED IN TRANSIT FARE COLLECTION 有权
标题翻译：银行发行用于收取交易费用的接近付款卡
公开(公告)号：US20080128513A1
公开(公告)日：2008-06-05
申请号：US11566614
申请日：2006-12-04
申请人： Ayman Hammad , Phil Dixon , Brian Triplett
发明人： Ayman Hammad , Phil Dixon , Brian Triplett
IPC分类号： G06K19/06
CPC分类号： G06Q20/352 , G06Q20/12 , G06Q20/16 , G06Q20/227 , G06Q20/322 , G06Q20/325 , G06Q20/341 , G06Q20/3576 , G06Q20/367 , G07F7/1008
摘要： An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.
摘要翻译：用于非接触式智能卡或支付设备的架构，智能卡旨在用于商业交易支付和过境票价支付（或其他场地访问）环境中。支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于支付商业交易。运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。

2. 发明授权

US10055735B2 Delayed transit fare assessment 有权
公开(公告)号：US10055735B2
公开(公告)日：2018-08-21
申请号：US11681174
申请日：2007-03-01
申请人： Phil Dixon , Ayman A. Hammad , Khalid El-Awady
发明人： Phil Dixon , Ayman A. Hammad , Khalid El-Awady
IPC分类号： G06Q40/00 , G06Q20/40 , G06Q20/02 , G06Q20/04 , G06Q20/08 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/38 , G07B15/00
CPC分类号： G06Q20/4016 , G06Q20/027 , G06Q20/04 , G06Q20/085 , G06Q20/0855 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q20/3821 , G06Q20/40 , G06Q20/401 , G07B15/00
摘要： At each of a plurality of point of sale terminals (POS) of a merchant, for each of a plurality of consumers, where each consumer seeks to conduct a transaction with the merchant for a good or service at a cost by using a payment device issued by an issuer in a payment system, data is read from a payment device. The data can include an identifier for an account issued by an issuer. Information is stored for each transaction and the consumer is permitted to receive the good or service from the merchant. After the consumer has received the good or service, a batch of the transaction are processed to derive there from the respective costs that are assessable to the respective accounts, where the merchant can be a transit system, the consumer a rider thereon, and the transaction can be access to a facility thereof.

3. 发明申请

US20150154602A1 PROCESSING TRANSACTIONS OF DIFFERENT PAYMENT DEVICES OF THE SAME ISSUER ACCOUNT 有权
标题翻译：相同发行人账户的不同付款设备的处理交易
公开(公告)号：US20150154602A1
公开(公告)日：2015-06-04
申请号：US14611061
申请日：2015-01-30
申请人： Phil Dixon , Ayman A. Hammad , Khalid El-Awady
发明人： Phil Dixon , Ayman A. Hammad , Khalid El-Awady
IPC分类号： G06Q20/40 , G06Q20/20
CPC分类号： G06Q20/4016 , G06Q20/027 , G06Q20/04 , G06Q20/085 , G06Q20/0855 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q20/3821 , G06Q20/40 , G06Q20/401 , G07B15/00
摘要： Each portable payment device associated with a single account within a payment processing system is distinguished using track data. The track data from the portable payment device is read at each of a plurality of merchant point of sale terminals (POS). Rather than relying on the PAN alone, a merchant may utilizes the track data, or a proxy thereof, as the unique identifier for the portable payment device. The merchant may then process transactions involving the portable payment device based on the unique identifier. For example, in the transit environment the transit fare for each rider with different portable payment devices but the same account can be calculated using the unique identifier, such as the full track data read from both tracks of the corresponding portable payment devices.
摘要翻译：与支付处理系统中的单个帐户相关联的每个便携式支付设备使用轨道数据进行区分。来自便携式支付设备的轨道数据在多个商家销售点销售点（POS）的每一个处被读取。商家可以将轨道数据或其代理作为便携式支付设备的唯一标识符而不是单独依赖于PAN。然后，商家可以基于唯一标识符处理涉及便携式支付设备的交易。例如，在过境环境中，可以使用唯一标识符（例如从对应的便携式支付设备的两个轨道读取的全部轨迹数据）来计算具有不同便携式支付设备但是相同帐户的每个骑手的过境费用。

4. 发明授权

US08825517B2 On-line authorization in access environment 有权
标题翻译：访问环境中的在线授权
公开(公告)号：US08825517B2
公开(公告)日：2014-09-02
申请号：US12243027
申请日：2008-10-01
申请人： Ayman Hammad , Phil Dixon , Khalid El-Awady , Patrick Faith , Mark Carlson
发明人： Ayman Hammad , Phil Dixon , Khalid El-Awady , Patrick Faith , Mark Carlson
IPC分类号： G06Q40/00 , G07B15/00 , G07B15/02
CPC分类号： G07B15/00 , G06Q20/32 , G06Q20/3278 , G06Q20/352 , G06Q20/40 , G06Q40/12 , G07B15/02 , G07C9/00103 , G07F17/0014
摘要： A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization request message to an issuer for approval, the authorization request message including a request to charge a predetermined amount of money to pay for access to a location, and entering the location if the gate access device receives an authorization response message indicating that the charge is authorized.
摘要翻译：公开了一种方法。该方法包括与能够防止访问位置的门禁接入设备进行交互，门接入设备随后向发行者发送授权请求消息以供批准，该授权请求消息包括收取预定金额的请求支付访问位置，并且如果门禁设备接收到指示该费用被授权的授权响应消息，则输入该位置。

5. 发明授权

US08427317B2 Apparatus and method to electromagnetically shield portable consumer devices 有权
公开(公告)号：US08427317B2
公开(公告)日：2013-04-23
申请号：US12273017
申请日：2008-11-18
申请人： Ayman Hammad , Phil Dixon
发明人： Ayman Hammad , Phil Dixon
IPC分类号： G08B13/14 , H01Q1/32
CPC分类号： G06K19/07327 , G06K19/005 , G06K19/07735
摘要： An apparatus and method is provided to shield contactless portable electronic consumer devices such as radio frequency identification devices (RFID), tokens, mini-cards, key fobs, cellular phones, smartcards, etc. from wireless interrogation. In one embodiment, a contactless portable consumer device which includes a first antenna is shielded from unauthorized wireless interrogation with a radio frequency (RF) shield. The RF shield includes electrically conductive, non-ferromagnetic material and is configured to prevent unauthorized data transfer between a second antenna external to the portable consumer device and the first antenna.

6. 发明申请

US20120158467A1 SMART SIGN MOBILE TRANSIT FARE PAYMENT 有权
标题翻译：智能手机移动支付
公开(公告)号：US20120158467A1
公开(公告)日：2012-06-21
申请号：US13351942
申请日：2012-01-17
申请人： Ayman Hammad , Phil Dixon
发明人： Ayman Hammad , Phil Dixon
IPC分类号： H04B7/00 , G06Q50/30 , H04B5/00
CPC分类号： G06Q20/3278 , G06Q20/045 , G06Q20/102 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/341 , G06Q30/0284 , G07B15/02 , G07F7/0886 , G07F7/1008 , G07F17/0014 , G07F17/42
摘要： A system and method for facilitating the payment and collection of transit system fares using a mobile device utilizes a smart sign including near field communication (NFC) devices that communicate with a contactless element embedded within a mobile wireless device. Each NFC device is associated with a different transit location. The NFC devices may be included on the same smart sign located at one transit location or on different smart signs located at different transit locations. Alternatively, one NFC device may be included on a smart sign at a departure location and another NFC device may be activated when or after the user enters the transit system to provide proof of fare purchase. The mobile device is positioned proximate the NFC devices to activate the NFC devices and access fare and/or schedule information or purchase a fare.
摘要翻译：使用移动设备便利支付和收集过境系统票价的系统和方法利用包括与嵌入在移动无线设备内的非接触元件通信的近场通信（NFC）设备的智能符号。每个NFC设备与不同的传输位置相关联。 NFC设备可以被包括在位于一个中转位置的同一智能标志上，或位于位于不同转接位置的不同智能标志上。或者，一个NFC设备可以被包括在出发位置的智能标志上，并且当用户进入转接系统以提供票价购买证明时，可以激活另一个NFC设备。移动设备位于NFC设备附近以激活NFC设备并访问票价和/或日程信息或购买车费。

7. 发明申请

US20110016054A1 SIGNATURE BASED NEGATIVE LIST FOR OFF LINE PAYMENT DEVICE VALIDATION 有权
标题翻译：基于签名的负面清单，用于离线付款设备验证
公开(公告)号：US20110016054A1
公开(公告)日：2011-01-20
申请号：US12883919
申请日：2010-09-16
申请人： Phil Dixon , Ayman Hammad , William Alexander Thaw , Christian Aabye
发明人： Phil Dixon , Ayman Hammad , William Alexander Thaw , Christian Aabye
IPC分类号： G06Q20/00 , H04L9/28 , H04L9/32 , H04L9/30
CPC分类号： G06Q20/4016 , G06Q20/027 , G06Q20/04 , G06Q20/085 , G06Q20/0855 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q20/3821 , G06Q20/40 , G06Q20/401 , G07B15/00
摘要： At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.
摘要翻译：在多个交通系统的多个过境读取器中的每一个上，对于多个骑手中的每一个，每个骑手寻求通过使用由发行者发行的支付装置进行与中转系统的访问交易支付系统，从支付设备读取数据。数据包括唯一对应于支付设备并由发行者使用一个或多个加密密钥和预定算法创建的加密代码。远程和/或本地执行一个或多个其他加密代码列表的检查，以确定加密代码是否在列表中。根据加密代码是否在列表中，骑手被允许访问中转系统的设施。付款设备不需要更改为骑手的票价。从支付设备读取的加密代码的解密不需要完成访问事务。

8. 发明授权

US07809652B2 Signature based negative list for off line payment device validation 有权
标题翻译：离线支付设备验证的基于签名的负面列表
公开(公告)号：US07809652B2
公开(公告)日：2010-10-05
申请号：US11713307
申请日：2007-03-01
申请人： Phil Dixon , Ayman Hammad , William Alexander Thaw , Christian Aabye
发明人： Phil Dixon , Ayman Hammad , William Alexander Thaw , Christian Aabye
IPC分类号： G06F17/60
CPC分类号： G06Q20/4016 , G06Q20/027 , G06Q20/04 , G06Q20/085 , G06Q20/0855 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q20/3821 , G06Q20/40 , G06Q20/401 , G07B15/00
摘要： At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.
摘要翻译：在多个交通系统的多个过境读取器中的每一个上，对于多个骑手中的每一个，每个骑手寻求通过使用由发行者发行的支付装置进行与中转系统的访问交易支付系统，从支付设备读取数据。数据包括唯一对应于支付设备并由发行者使用一个或多个加密密钥和预定算法创建的加密代码。远程和/或本地执行一个或多个其他加密代码列表的检查，以确定加密代码是否在列表中。根据加密代码是否在列表中，骑手被允许访问中转系统的设施。付款设备不需要更改为骑手的票价。从支付设备读取的加密代码的解密不需要完成访问事务。

9. 发明申请

US20090227281A1 APPARATUS AND METHOD FOR PREVENTING WIRELESS INTERROGATION OF PHONES 有权
标题翻译：防止无线电话干扰的装置和方法
公开(公告)号：US20090227281A1
公开(公告)日：2009-09-10
申请号：US12400170
申请日：2009-03-09
申请人： Ayman Hammad , Phil Dixon
发明人： Ayman Hammad , Phil Dixon
IPC分类号： H04M1/00 , H04Q5/22
CPC分类号： G06K19/07309
摘要： An apparatus and method is provided to prevent contactless portable electronic consumer devices such as an RF identification device (RFID), tokens, mini-cards, key fobs, cellular phones, smart card, etc. from being wirelessly interrogated. In one embodiment, a decoy circuit capable of detecting wireless interrogation signals transmitted to a contactless portable consumer device is used to prevent one or more interrogation devices from interrogating an authentic circuit in the contactless portable consumer device.
摘要翻译：提供了一种用于防止诸如RF识别装置（RFID），令牌，小卡，密钥卡，蜂窝电话，智能卡等无接触便携式电子消费者装置被无线询问的装置和方法。在一个实施例中，可以使用能够检测发送到非接触式便携式消费者设备的无线询问信号的诱饵电路来防止一个或多个询问装置询问无接触便携式消费者设备中的真实电路。

10. 发明授权

US07527208B2 Bank issued contactless payment card used in transit fare collection 有权
标题翻译：银行发行非接触式支付卡，用于过境收费
公开(公告)号：US07527208B2
公开(公告)日：2009-05-05
申请号：US11566614
申请日：2006-12-04
申请人： Ayman Hammad , Phil Dixon , Brian Triplett
发明人： Ayman Hammad , Phil Dixon , Brian Triplett
IPC分类号： G06K19/06
CPC分类号： G06Q20/352 , G06Q20/12 , G06Q20/16 , G06Q20/227 , G06Q20/322 , G06Q20/325 , G06Q20/341 , G06Q20/3576 , G06Q20/367 , G07F7/1008
摘要： An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.
摘要翻译：用于非接触式智能卡或支付设备的架构，智能卡旨在用于商业交易支付和过境票价支付（或其他场地访问）环境中。支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于支付商业交易。运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。

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