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1. 发明授权

US07268667B2 Systems and methods for providing a RF transaction device operable to store multiple distinct accounts 有权
标题翻译：用于提供可操作以存储多个不同帐户的RF交易设备的系统和方法
公开(公告)号：US07268667B2
公开(公告)日：2007-09-11
申请号：US10708550
申请日：2004-03-10
申请人： Blayn W. Beenau , Michal Bliman , David S. Bonalle , Joshua L. Montgomery , Peter D. Saunders , John R. Williamson
发明人： Blayn W. Beenau , Michal Bliman , David S. Bonalle , Joshua L. Montgomery , Peter D. Saunders , John R. Williamson
IPC分类号： H04Q5/22 , G06F7/00
CPC分类号： G07F7/1008 , G06Q20/00 , G06Q20/14 , G06Q20/341 , G06Q20/3552 , G06Q20/35765 , G06Q40/02 , G07F17/0014
摘要： A RF transaction device is provided, which is operable to store multiple distinct data sets owned by unrelated 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 RF transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the RF transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the RF transaction device in accordance with an owner defined format. The first and second data sets may each be stored as a Block of Binary. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other and in accordance with the particular data set storage protocol.
摘要翻译：提供RF交易设备，其可操作以存储由不相关的数据集所有者拥有的多个不同的数据集，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RF交易设备，其中第一数据集由第一所有者拥有; 通过读/写设备将第二数据集合加到RF交易设备，其中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RF交易设备上。第一和第二数据集可以各自存储为二进制块。第一和第二数据集分别与第一和第二所有者相关联，并且被配置为独立于彼此并且根据特定数据集存储协议被存储。

2. 发明授权

US07268668B2 Systems and methods for managing multiple accounts on a RF transaction instrument 有权
标题翻译：用于在RF交易工具上管理多个帐户的系统和方法
公开(公告)号：US07268668B2
公开(公告)日：2007-09-11
申请号：US10708585
申请日：2004-03-12
申请人： Blayn W. Beenau , Michal Bliman , David S. Bonalle , Joshua L. Montgomery , Peter D. Saunders , John R. Williamson
发明人： Blayn W. Beenau , Michal Bliman , David S. Bonalle , Joshua L. Montgomery , Peter D. Saunders , John R. Williamson
IPC分类号： H04Q5/22 , G06F7/00
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 presented for managing a plurality of data sets on a financial transaction instrument configured to facilitate performing a financial transaction. A first data set owner and a second data set owner are enrolled in a multiple account management program. A first data set owned by a first data set owner and of a first format is added to a database on the financial transaction instrument. A second data set of a second format is added to the database. The second data set is owned by a second data set owner, distinct from the first data set owner, and the second format is different from the first format. A condition header identifying a status condition is added to at least one of the first and second data sets. At least one of the first and second data sets is modified in the database.
摘要翻译：提出了用于管理金融交易工具上的多个数据集的系统和方法，该金融交易工具被配置为便于执行金融交易。第一数据集所有者和第二数据集所有者注册在多帐户管理程序中。由第一数据集拥有者拥有的第一个数据集和第一个数据集被添加到金融交易工具上的数据库中。将第二格式的第二数据集添加到数据库。第二数据集由第二数据集所有者拥有，与第一数据集所有者不同，第二格式与第一格式不同。识别状态条件的条件标题被添加到第一和第二数据集中的至少一个。在数据库中修改第一和第二数据集中的至少一个。

3. 发明授权

US07239226B2 System and method for payment using radio frequency identification in contact and contactless transactions 有权
标题翻译：使用射频识别的联系和非接触式交易支付系统和方法
公开(公告)号：US07239226B2
公开(公告)日：2007-07-03
申请号：US10192488
申请日：2002-07-09
申请人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , John R. Williamson
发明人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , John R. Williamson
IPC分类号： H04Q1/00
CPC分类号： G06Q20/4012 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/3226 , G06Q20/327 , G06Q20/3278 , G06Q20/40 , G07C9/00111 , G07C9/00119
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.
摘要翻译：应答器 - 读取器支付系统包括一个包含应答器的支架和用于询问应答器的RFID读取器。该系统还可以包括个人化系统，用于填充小袋和RFID读取器，以识别信息和安全性和认证密钥，这些密钥可以在相机和阅读器的相互认证期间使用并用于完成交易。在示例性操作中，便携式小键盘和RFID读取器可以被个性化，小物件可以被呈现给RFID读取器进行询问，小支架和读取器可以参与相互认证，并且可以向读者提供支票识别信息以进行交易完成。在另一示例性实施例中，应答器 - 读取器支付系统的操作可以由激活电路来控制。此外，小袋可以响应于多个询问信号。

4. 发明授权

US07306158B2 Clear contactless card 有权
标题翻译：清除非接触式卡
公开(公告)号：US07306158B2
公开(公告)日：2007-12-11
申请号：US10611563
申请日：2003-06-30
申请人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Becky Vander Eyk , Matthew C. Hood , Susan E. Isenberg , Leigh Malnati , Alexandra Mayers , Sue Mueller , Zarita Norcross , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Lisa Skilling-Belmond , John R. Williamson
发明人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Becky Vander Eyk , Matthew C. Hood , Susan E. Isenberg , Leigh Malnati , Alexandra Mayers , Sue Mueller , Zarita Norcross , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Lisa Skilling-Belmond , John R. Williamson
IPC分类号： G06K19/06
CPC分类号： G06Q20/14 , G06K7/0008 , G06K19/02 , G06K19/0723 , G06K19/077 , G06K19/08 , G06K19/16 , G06Q20/00 , G06Q20/04 , G06Q20/327 , G07F7/086
摘要： The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.
摘要翻译：本发明涉及一种具有多个特征的透明或半透明交易卡的方法，例如全息箔，集成电路芯片，RFID电路，在磁条上具有文本的银磁条，不透明度梯度，不可见的可光学识别化合物，半透明签名领域，使得卡片背面的RFID电路和签名可以从卡片的前面看到，并且在卡片前面的主动通过日期。不可见的光学可识别化合物是红外墨水和/或膜，其可以通过在ATM或卡装配线中发现的传感器来检测。

5. 发明授权

US08872619B2 Securing a transaction between a transponder and a reader 有权
标题翻译：确保应答器和读卡器之间的交易
公开(公告)号：US08872619B2
公开(公告)日：2014-10-28
申请号：US11743907
申请日：2007-05-03
申请人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , John R. Williamson
发明人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , John R. Williamson
IPC分类号： H04Q1/00 , H04Q5/22 , G06Q20/00 , G06Q20/32 , G06Q20/40 , G06Q20/10 , G06Q20/04 , G07C9/00 , G06Q20/14
CPC分类号： G06Q20/4012 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/3226 , G06Q20/327 , G06Q20/3278 , G06Q20/40 , G07C9/00111 , G07C9/00119
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.
摘要翻译：应答器 - 读取器支付系统包括一个包含应答器的支架和用于询问应答器的RFID读取器。该系统还可以包括个人化系统，用于填充小袋和RFID读取器，以识别信息和安全性和认证密钥，这些密钥可以在相机和阅读器的相互认证期间使用并用于完成交易。在示例性操作中，便携式小键盘和RFID读取器可以被个性化，小物件可以被呈现给RFID读取器进行询问，小支架和读取器可以参与相互认证，并且可以向读者提供支票识别信息以进行交易完成。在另一示例性实施例中，应答器 - 读取器支付系统的操作可以由激活电路来控制。此外，小袋可以响应于多个询问信号。

6. 发明授权

US07889052B2 Authorizing payment subsequent to RF transactions 有权
标题翻译：在RF交易之后授权付款
公开(公告)号：US07889052B2
公开(公告)日：2011-02-15
申请号：US10340352
申请日：2003-01-10
申请人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Trevor J. Perry , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Kristin L. VonWald , John R. Williamson
发明人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Trevor J. Perry , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Kristin L. VonWald , John R. Williamson
IPC分类号： G06F7/04
CPC分类号： G07F7/025 , G06Q10/025 , G06Q20/00 , G06Q20/04 , G06Q20/102 , G06Q20/14 , G06Q20/20 , G06Q20/28 , G06Q20/32 , G06Q20/327 , G06Q20/3278 , G06Q20/342 , G06Q20/40 , G06Q20/40145 , G07C9/00111 , G07C9/00119 , H04L9/3234 , H04L2209/56 , H04L2209/805
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 payment device separate and distinct from the fob, but associated with payment account mutually shared with the fob. In exemplary operation, the fob identifying information, or the payment device information, may be presented to the RFID reader for completion of a transaction request. A process server may receive the transaction request and satisfy the transaction request in accordance with a predetermined payment criteria. The process server may additionally augment a rewards account based on fob or payment device usage, thereby incenting fob usage in one instance and payment device usage in the other.
摘要翻译：应答器 - 读取器支付系统包括一个包含应答器的支架和用于询问应答器的RFID读取器。该系统可以进一步包括与支架分开且不同的支付装置，但是与与支架相互共享的支付账户相关联。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。处理服务器可以根据预定的支付标准接收交易请求并满足交易请求。过程服务器可以另外增加基于支票或支付设备使用的奖励账户，从而在一个实例中激励支票使用以及在另一个实例中支付设备使用。

7. 发明申请

US20100325041A1 SYSTEM AND METHOD FOR ENCODING INFORMATION IN MAGNETIC STRIPE FORMAT FOR USE IN RADIO FREQUENCY IDENTIFICATION TRANSACTIONS 审中-公开
标题翻译：在无线电频率识别交易中使用的磁带格式编码信息的系统和方法
公开(公告)号：US20100325041A1
公开(公告)日：2010-12-23
申请号：US12869450
申请日：2010-08-26
申请人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Peter D. Saunders
发明人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Peter D. Saunders
IPC分类号： G06Q40/00
CPC分类号： G07C9/00111 , G06Q20/00 , G06Q20/04 , G06Q20/0855 , G06Q20/10 , G06Q20/14 , G06Q20/327 , G06Q20/3674 , G06Q30/0633 , G07C9/00119
摘要： A transaction device system is associated with a transaction device proxy account identifier, which may be stored in a database on the transaction device system. The proxy transaction device identifier may be stored on the database in any conventional merchant recognizable format. Additionally, the proxy transaction device identifier may be associated with a transaction account identifier for use in completing a transaction. The proxy transaction device identifier may include at least a first portion which corresponds to a portion of the transaction device identifier. The first portion of the proxy transaction device identifier may be segmented into proxy fields where a first segment includes a portion of a transaction account data set, and a second segment has encoded therein an account provider desired information. The proxy account identifier segments are undetectable by receiving systems such that the proxy account identifier emulates a merchant recognizable data transfer format. The account provider system may receive the proxy account identifier and uses the first portion of the transaction device identifier in a predetermined algorithm to reassemble the transaction device identifier for use in transaction completion.
摘要翻译：交易设备系统与可以存储在交易设备系统上的数据库中的交易设备代理帐户标识符相关联。代理交易设备标识符可以以任何常规的商家可识别格式存储在数据库上。另外，代理交易设备标识符可以与用于完成交易的交易帐户标识符相关联。代理交易设备标识符可以包括对应于交易设备标识符的一部分的至少第一部分。代理交易设备标识符的第一部分可以被分割成代理字段，其中第一段包括交易账户数据集的一部分，并且第二段已经在其中编码了帐户提供者所需信息。代理帐户标识符段由接收系统检测不到，使得代理帐户标识符模拟商家可识别的数据传输格式。帐户提供者系统可以接收代理帐户标识符并且使用预定算法中的交易设备标识符的第一部分来重新组合用于交易完成的交易设备标识符。

8. 发明授权

US07805378B2 System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions 有权
标题翻译：用于编码用于射频识别交易的磁条格式的信息的系统和方法
公开(公告)号：US07805378B2
公开(公告)日：2010-09-28
申请号：US10810473
申请日：2004-08-30
申请人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Peter D. Saunders
发明人： Michael J. Berardi , Michal Bliman , David S. Bonalle , Peter D. Saunders
IPC分类号： G06Q20/00
CPC分类号： G07C9/00111 , G06Q20/00 , G06Q20/04 , G06Q20/0855 , G06Q20/10 , G06Q20/14 , G06Q20/327 , G06Q20/3674 , G06Q30/0633 , G07C9/00119
摘要： A transaction device system is associated with a transaction device proxy account identifier, which may be stored in a database on the transaction device system and may be associated with a transaction account identifier for use in completing a transaction. The proxy transaction device identifier may include at least a first portion which corresponds to a portion of the transaction device identifier. The first portion of the proxy transaction device identifier may be segmented into proxy fields where a first segment includes a portion of a transaction account data set, and a second segment has encoded therein an account provider desired information. The proxy account identifier segments are undetectable by receiving systems such that the proxy account identifier emulates a merchant recognizable data transfer format. The account provider system uses the first portion of the transaction device identifier to reassemble the transaction device identifier for use in transaction completion.
摘要翻译：交易设备系统与交易设备代理帐户标识符相关联，其可以存储在交易设备系统上的数据库中，并且可以与用于完成交易的交易账户标识符相关联。代理交易设备标识符可以包括对应于交易设备标识符的一部分的至少第一部分。代理交易设备标识符的第一部分可以被分割成代理字段，其中第一段包括交易账户数据集的一部分，并且第二段已经在其中编码了帐户提供者所需信息。代理帐户标识符段由接收系统检测不到，使得代理帐户标识符模拟商家可识别的数据传输格式。帐户提供者系统使用交易设备标识符的第一部分重新组合用于交易完成的交易设备标识符。

9. 发明授权

US07249112B2 System and method for assigning a funding source for a radio frequency identification device 有权
标题翻译：为射频识别装置分配资金来源的系统和方法
公开(公告)号：US07249112B2
公开(公告)日：2007-07-24
申请号：US10318480
申请日：2002-12-13
申请人： Michael J. Berardi , Michal Bliman , David Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Trevor J. Perry , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Kristin L. VonWald , John R. Williamson
发明人： Michael J. Berardi , Michal Bliman , David Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Trevor J. Perry , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Kristin L. VonWald , John R. Williamson
IPC分类号： G06F17/60 , G06F7/08
CPC分类号： G06Q20/40 , G06Q20/00 , G06Q20/027 , G06Q20/04 , G06Q20/08 , G06Q20/085 , G06Q20/10 , G06Q20/14 , G06Q20/327 , G06Q20/367 , G06Q20/382 , G06Q20/3821 , G06Q20/401 , G07C9/00119
摘要： A transponder-reader payment system includes a RFID reader for interrogating a transponder, and a fob including a transponder which is associated with fob data file funded by one or more funding sources. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which may process the transaction request in accordance with a funding protocol wherein the transaction request is satisfied according to a fob issuer predefined funding criteria relative to the multiple funding sources.
摘要翻译：应答器 - 读取器支付系统包括用于询问应答器的RFID读取器，以及包括与由一个或多个资金来源资助的fob数据文件相关联的应答器的Fob。在示例性操作中，可以将RFID标签信息呈现给RFID读取器以完成交易请求。交易请求可以被提供给可以根据资金协议处理交易请求的付款发行者系统，其中根据支付发行商相对于多个资金来源的预定义资金准则来满足交易请求。

10. 发明授权

US09454752B2 Reload protocol at a transaction processing entity 有权
标题翻译：在事务处理实体上重新加载协议
公开(公告)号：US09454752B2
公开(公告)日：2016-09-27
申请号：US10318432
申请日：2002-12-13
申请人： Michael J. Berardi , Michal Bliman , David Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Trevor J. Perry , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Kristin L. VonWald , John R. Williamson
发明人： Michael J. Berardi , Michal Bliman , David Bonalle , Jennifer Anne Elwood , Matthew C. Hood , Susan E. Isenberg , Alexandra Mayers , Trevor J. Perry , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Kristin L. VonWald , John R. Williamson
IPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/20 , G06Q20/32 , G07C9/00
CPC分类号： G06Q20/40145 , G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/20 , G06Q20/327 , G06Q20/3278 , G07C9/00087 , G07C9/00111 , G07C9/00119 , G07C2009/00095
摘要： A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which retrieves a value for satisfying the transaction request from a fob associated transaction data file. The issuer system may deplete the transaction data file in accordance with the transaction request and replenish the data file in accordance with fob user or fob issuer defined reload protocol.
摘要翻译：应答器 - 读取器支付系统包括一个包含应答器的支架和用于询问应答器的RFID读取器。在示例性操作中，可以将RFID标签信息呈现给RFID读取器以完成交易请求。可以将交易请求提供给从支票相关联的交易数据文件检索用于满足交易请求的值的支票发行商系统。发行人系统可以根据交易请求消耗交易数据文件，并根据fob用户或发票人定义的重新加载协议补充数据文件。

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