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1. 发明申请

WO2009117268A3 CUSTOMER LOYALTY PROGRAM WITH SHARED DATA AND SUB-PROGRAMS 审中-公开
标题翻译：具有共享数据和子程序的客户LOYALTY程序
公开(公告)号：WO2009117268A3
公开(公告)日：2009-12-30
申请号：PCT/US2009036496
申请日：2009-03-09
申请人： FIRST DATA CORP , SKOWRONEK DAN , DEWAN SUNIL , KNOWLES KEVIN , KIEFER STUART
发明人： SKOWRONEK DAN , DEWAN SUNIL , KNOWLES KEVIN , KIEFER STUART
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0226
摘要： Embodiments of the present disclosure provide systems and methods for increasing participation in loyalty programs. In embodiments, the customer opts into a loyalty program. The customer is then provided with information about his or her loyalty participation and also is provided with information about one or more other customer's participation in the loyalty program. In another embodiment, one or more loyalty members can form their own competition or group within the loyalty program. The members can create loyalty sub program rules for a competition and allow fellow loyalty members to participate in the competition. The customizable loyalty sub-program competitions further enhance member participation.
摘要翻译：本公开的实施例提供了用于增加对忠诚度计划的参与的系统和方法。在实施例中，客户选择加入忠诚度计划。然后向客户提供关于他或她的忠诚度参与的信息，并且还提供关于一个或多个其他客户参与忠诚度计划的信息。在另一个实施例中，一个或多个忠诚度成员可以在忠诚度计划内形成自己的竞争或组合。会员可以为竞赛制定忠诚度子计划规则，并允许忠诚会员参与比赛。可定制的忠诚度子项目比赛进一步增强了会员参与度。

2. 发明申请

WO2005091985A3 SYSTEM AND METHOD FOR PREPARING RF DEVICES FOR DELIVERY AND VERIFYING DELIVERY INFORMATION 审中-公开
标题翻译：用于准备用于传送和验证传送信息的RF设备的系统和方法
公开(公告)号：WO2005091985A3
公开(公告)日：2006-05-11
申请号：PCT/US2005008848
申请日：2005-03-17
申请人： FIRST DATA CORP , DEWAN SUNIL , CASTO FRED , CHRISTENSEN JOHN E , GATES JON ANDREW , GREENE JAY E , NOWLIN JEFF G , SMITH SCOTT J , TONACK MARK T , TUNINK COREY DEAN , WALPUS TIMOTHY J
发明人： DEWAN SUNIL , CASTO FRED , CHRISTENSEN JOHN E , GATES JON ANDREW , GREENE JAY E , NOWLIN JEFF G , SMITH SCOTT J , TONACK MARK T , TUNINK COREY DEAN , WALPUS TIMOTHY J
IPC分类号： G06F17/00 , G06K5/00 , G06K17/00
CPC分类号： G07F7/025 , G06K17/00 , G06K2017/0048 , G06Q20/342 , G06Q20/352
摘要： RF devices used in financial and other transactions are moved sequentially to stations of a preparation device that prepares the RF devices for delivery to customers. At one station, an RF reader reads an identification code from the RF device and a label reader reads information on a mailing label. The read information is used to verify the mailing information to assure that the RF device is being delivered to the correct recipient.
摘要翻译：在金融和其他交易中使用的RF设备被顺序移动到准备设备的站，以准备RF设备以交付给客户。在一个站处，RF读取器从RF设备读取识别码，并且标签读取器读取邮寄标签上的信息。读取的信息用于验证邮件信息，以确保RF设备正在传送到正确的收件人。

3. 发明申请

WO2007134010A3 SYSTEM AND METHOD FOR ACTIVATING TELEPHONE-BASED PAYMENT INSTRUMENT 审中-公开
标题翻译：基于电话支付仪器的系统和方法
公开(公告)号：WO2007134010A3
公开(公告)日：2008-03-27
申请号：PCT/US2007068388
申请日：2007-05-07
申请人： FIRST DATA CORP , HUMPHREY WENDY , DEWAN SUNIL , OSWALD DANIEL J
发明人： HUMPHREY WENDY , DEWAN SUNIL , OSWALD DANIEL J
IPC分类号： G06K5/00
CPC分类号： G07F19/20 , G06Q20/105 , G06Q20/1085 , G06Q20/305 , G06Q20/32 , G06Q20/322 , G06Q20/3226 , G06Q20/3278 , G06Q20/341 , G06Q20/353 , G06Q20/4014 , G07F7/1008
摘要： A payment instrument in the form of a cell phone (102) is loaded with account information and activated as a payment instrument by reading account information from a nearby RFID device (204), and entering a user PIN or password (206). In one embodiment, the account information is read from an RFlD tag (204) provided to the user, and the password is entered on the phone keypad. In a second embodiment, the account information is read from an RFID device (320) at an ATM or kiosk (310) after the user inserts a card (302) into a card reader (316) at the ATM or kiosk and enters the password (306) at the ATM or kiosk keypad (314).
摘要翻译：手机（102）形式的支付工具被加载有帐户信息，并通过从附近的RFID设备（204）读取账户信息并输入用户PIN或密码（206）来激活为支付工具。在一个实施例中，从提供给用户的RFID标签（204）读取帐户信息，并且在电话键盘上输入密码。在第二实施例中，在用户将卡（302）插入ATM或信息亭中的读卡器（316）之后，在ATM或信息站（310）处从RFID设备（320）读取帐户信息，并输入密码（306）在ATM或信息亭键盘（314）处。

4. 发明申请

WO2006062822A3 PUNCHOUT CONTACTLESS TRANSACTION CARD 审中-公开
标题翻译： PUNCHOUT无连续交易卡
公开(公告)号：WO2006062822A3
公开(公告)日：2007-10-25
申请号：PCT/US2005043645
申请日：2005-12-02
申请人： FIRST DATA CORP , KEAN BRIAN , DEWAN SUNIL , MUSFELDT ROGER , EPPERSON DANIEL , DINEEN EDWARD , OSWALD DANIEL
发明人： KEAN BRIAN , DEWAN SUNIL , MUSFELDT ROGER , EPPERSON DANIEL , DINEEN EDWARD , OSWALD DANIEL
IPC分类号： G06K19/06
CPC分类号： G06K19/07739 , G06K19/04 , G06K19/077
摘要： A transaction card assembly that includes a transaction card having a contactless integrated circuit that communicates with a card reader, and a sheet surrounding a transaction card and substantially coplanar with the card. The transaction card is detached from the sheet by pressing on at least a portion of the card in a direction substantially perpendicular to the sheet. Also, a punchout transaction card that includes a contactless integrated circuit that communicates with a card reader. At least a portion of an edge of the card was attached to a substantially coplanar sheet surrounding the card, and the card was detached from the sheet by pressing on at least a portion of the attached card that was substantially perpendicular to the sheet.
摘要翻译：一种交易卡组件，其包括具有与读卡器通信的非接触式集成电路的交易卡，以及围绕交易卡并且与卡基本上共面的纸张。通过在基本上垂直于纸张的方向上按压卡的至少一部分来将交易卡从纸张上分离。另外，一种无卡交易卡，包括与读卡器通信的非接触集成电路。卡的边缘的至少一部分附接到围绕卡的基本上共面的片，并且通过按压基本上垂直于片的附加卡的至少一部分来将卡从片上分离。

5. 发明申请

WO2007006050A2 SECURE RFID PACKAGING 审中-公开
标题翻译： SECURE RFID包装
公开(公告)号：WO2007006050A2
公开(公告)日：2007-01-11
申请号：PCT/US2006026605
申请日：2006-07-06
申请人： FIRST DATA CORP , DEWAN SUNIL
发明人： DEWAN SUNIL
IPC分类号： H04B1/02
CPC分类号： G06K19/07327 , G06K19/07718 , G06K19/07749
摘要： Methods and systems are provided for preparing radio-frequency devices for secure distribution. Multiple such radio-frequency devices are received. Each device has an embedded radio-frequency transponder. Each radio-frequency devices is moved sequentially to stations of a preparation device. At a first station, a radio-frequency identification code assigned to the radio-frequency device is encoded to personalize the radio-frequency device with recipient-specific radio-frequency identification data. At a second station, the radio-frequency devices is packaged within a package such that the radio-frequency device within the package is electromagnetically shielded at radio frequencies.
摘要翻译：提供了用于准备用于安全分发的射频设备的方法和系统。接收多个这样的射频设备。每个设备都有一个嵌入式射频应答器。每个射频设备顺序移动到准备设备的工作站。在第一站处，分配给射频设备的射频识别码被编码以使射频设备与接收者特定的射频识别数据个性化。在第二站处，射频设备被封装在封装内，使得封装内的射频设备以射频进行电磁屏蔽。

6. 发明申请

WO2009108578A3 WIRELESS TRANSLATION DEVICE 审中-公开
标题翻译：无线翻译装置
公开(公告)号：WO2009108578A3
公开(公告)日：2009-12-30
申请号：PCT/US2009034714
申请日：2009-02-20
申请人： FIRST DATA CORP , DEWAN SUNIL
发明人： DEWAN SUNIL
IPC分类号： H04B7/00
CPC分类号： H04W4/18 , G06Q20/202 , G06Q20/204 , G06Q20/32 , G06Q20/3223 , G06Q20/327 , G06Q20/352 , G06Q20/353 , H04W84/18
摘要： A translator for translating wireless communications. The translator includes a first antenna configured to carry signals between the wireless translator and a contactless payment reader, and a second antenna configured to carry signals between the wireless translator and a Bluetooth-enabled device. Circuitry operably coupled to both antennas establishes wireless communication with the contactless payment reader via the first antenna and receives from the contactless payment reader a signal comprising a request for information. The circuitry establishes wireless communication with the Bluetooth-enabled device via the second antenna, and requests the information from the Bluetooth-enabled device. The circuitry receives the information from the Bluetooth-enabled device, and relays the information to the contactless payment reader.
摘要翻译：翻译无线通信的翻译器。该翻译器包括被配置为在无线翻译器和非接触式支付阅读器之间传送信号的第一天线以及被配置为在无线翻译器和蓝牙使能设备之间传送信号的第二天线。可操作地耦合到两个天线的电路通过第一天线与非接触式支付阅读器建立无线通信，并从非接触式支付阅读器接收包括对信息的请求的信号。该电路通过第二天线与蓝牙设备建立无线通信，并向蓝牙设备请求信息。电路从蓝牙设备接收信息，并将信息传递给非接触式支付阅读器。

7. 发明申请

WO2005052843A3 AUTOMATED PREPARATION OF RADIO-FREQUENCY DEVICES FOR DISTRIBUTION 审中-公开
标题翻译：用于分配的无线电频率设备的自动准备
公开(公告)号：WO2005052843A3
公开(公告)日：2007-01-04
申请号：PCT/US2004036749
申请日：2004-11-03
申请人： FIRST DATA CORP , CASTO FRED C , SMITH SCOTT J , NOWLIN JEFFRY G , CHRISTENSEN JOHN , GREENE JAY E , WALPUS TIMOTHY J , DEWAN SUNIL
发明人： CASTO FRED C , SMITH SCOTT J , NOWLIN JEFFRY G , CHRISTENSEN JOHN , GREENE JAY E , WALPUS TIMOTHY J , DEWAN SUNIL
IPC分类号： H04Q5/22 , G06F17/00 , G06K20060101 , G06K5/00 , G07B17/00 , G08B13/14
CPC分类号： G06K19/07716 , G07B17/00508 , G07B2017/00629
摘要： RF devices (100) are received that include embedded radio-frequency transponders (112). Each RF device (100) is moved sequentially to stations of a preparation device. At one station, an RF identification code assigned to the RF device (100) is encoded. A recipient of the RF device (100) is identified. At another station, a package containing the RF device (100) is labeled with a mailing address for the recipient.
摘要翻译： RF设备（100）被接收，其包括嵌入式射频转发器（112）。每个RF设备（100）被顺序移动到准备设备的站。在一个站处，分配给RF设备（100）的RF识别码被编码。识别RF设备（100）的接收者。在另一个站处，包含RF设备（100）的包裹用接收者的邮寄地址标记。

8. 发明公开

EP1834287A4 PUNCHOUT CONTACTLESS TRANSACTION CARD 审中-公开
标题翻译：打孔非接触交易卡
公开(公告)号：EP1834287A4
公开(公告)日：2008-10-22
申请号：EP05826147
申请日：2005-12-02
申请人： FIRST DATA CORP
发明人： KEAN BRIAN , DEWAN SUNIL , MUSFELDT ROGER , EPPERSON DANIEL , DINEEN EDWARD , OSWALD DANIEL
IPC分类号： G06K19/06
CPC分类号： G06K19/07739 , G06K19/04 , G06K19/077
摘要： A transaction card assembly that includes a transaction card having a contactless integrated circuit that communicates with a card reader, and a sheet surrounding a transaction card and substantially coplanar with the card. The transaction card is detached from the sheet by pressing on at least a portion of the card in a direction substantially perpendicular to the sheet. Also, a punchout transaction card that includes a contactless integrated circuit that communicates with a card reader. At least a portion of an edge of the card was attached to a substantially coplanar sheet surrounding the card, and the card was detached from the sheet by pressing on at least a portion of the attached card that was substantially perpendicular to the sheet.

9. 发明公开

EP1728190A4 SYSTEM AND METHOD FOR PREPARING RF DEVICES FOR DELIVERY AND VERIFYING DELIVERY INFORMATION 审中-公开
标题翻译：系统及其制造方法RF设备的调度与交付验证信息
公开(公告)号：EP1728190A4
公开(公告)日：2008-04-30
申请号：EP05754360
申请日：2005-03-17
申请人： FIRST DATA CORP
发明人： DEWAN SUNIL , CASTO FRED , CHRISTENSEN JOHN E , GATES JON ANDREW , GREENE JAY E , NOWLIN JEFF G , SMITH SCOTT J , TONACK MARK T , TUNINK COREY DEAN , WALPUS TIMOTHY J
IPC分类号： G06K5/00 , G06F17/00 , G06K7/00 , G06K17/00 , G06K19/08
CPC分类号： G07F7/025 , G06K17/00 , G06K2017/0048 , G06Q20/342 , G06Q20/352
摘要： RF devices used in financial and other transactions are moved sequentially to stations of a preparation device that prepares the RF devices for delivery to customers. At one station, an RF reader reads an identification code from the RF device and a label reader reads information on a mailing label. The read information is used to verify the mailing information to assure that the RF device is being delivered to the correct recipient.

10. 发明专利

AU2007249461A1 System and method for activating telephone-based payment instrument 未知
公开(公告)号：AU2007249461A1
公开(公告)日：2007-11-22
申请号：AU2007249461
申请日：2007-05-07
申请人： FIRST DATA CORP
发明人： DEWAN SUNIL , OSWALD DANIEL J , HUMPHREY WENDY
IPC分类号： C02F1/58 , G06K5/00
摘要： A payment instrument in the form of a cell phone is loaded with account information and activated as a payment instrument by reading account information from a nearby RFID device, and entering a user PIN or password. In one embodiment, the account information is read from an RFID tag provided to the user, and the password is entered on the phone keypad. In a second embodiment, the account information is read from an RFID device at an ATM or kiosk after the user inserts a card into a card reader at the ATM or kiosk and enters the password at the ATM or kiosk keypad.

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