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1. 发明授权

US08429041B2 Systems and methods for managing account information lifecycles 有权
标题翻译：用于管理帐户信息生命周期的系统和方法
公开(公告)号：US08429041B2
公开(公告)日：2013-04-23
申请号：US10435420
申请日：2003-05-09
申请人： David Bonalle , Michal Bliman , Peter D. Saunders , John Robert Williamson
发明人： David Bonalle , Michal Bliman , Peter D. Saunders , John Robert Williamson
IPC分类号： G06Q40/00
CPC分类号： G07F7/1008 , G06Q20/00 , G06Q20/10 , G06Q20/14 , G06Q20/341 , G06Q20/3552 , G06Q20/35765 , G06Q40/02 , G07F17/0014
摘要： Systems and methods are configured to manage data sets associated with a financial transaction instrument. For example, a method is provided for facilitating the management of data sets on a financial transaction instrument that is issued by an issuer. The method includes the steps of: adding, by a first owner, a first data set to the financial transaction instrument, wherein the first data set is owned by a first owner; adding, by a second owner, 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. 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. In another example, a financial transaction instrument comprises a data set management system for facilitating the management of more than one data set, the financial transaction instrument comprising at least one data storage area configured to store a first data set and a second data set. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored by their owners independent of each other.
摘要翻译：系统和方法被配置为管理与金融交易工具相关联的数据集。例如，提供了一种方法来促进管理发行人发行的金融交易工具上的数据集。该方法包括以下步骤：由第一所有者向金融交易工具添加第一数据集，其中第一数据集由第一所有者拥有; 由第二所有者向金融交易工具添加第二数据集，其中第二数据集由第二所有者拥有; 以及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，第一数据集可以从金融交易工具更新和/或删除。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，所述金融交易工具包括被配置为存储第一数据集和第二数据集的至少一个数据存储区域。第一和第二数据集分别与第一和第二所有者相关联，并且被配置为由其所有者彼此独立地存储。

2. 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。

3. 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。

4. 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。

5. 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。

6. 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。

7. 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。

8. 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。

9. 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。

10. 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。

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