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1. 发明申请

US20070265964A1 System and Method for Payment Using Radio Frequency Identification in Contact and Contactless Transactions 有权
标题翻译：联系和非接触式交易中使用射频识别的系统和方法
公开(公告)号：US20070265964A1
公开(公告)日：2007-11-15
申请号：US11743907
申请日：2007-05-03
申请人： Michael Berardi , Michal Bliman , David Bonalle , Jennifer Elwood , Matthew Hood , Susan Isenberg , Alexandra Mayers , Peter Saunders , Kathryn Scheding , Sejal Shah , John Williamson
发明人： Michael Berardi , Michal Bliman , David Bonalle , Jennifer Elwood , Matthew Hood , Susan Isenberg , Alexandra Mayers , Peter Saunders , Kathryn Scheding , Sejal Shah , John Williamson
IPC分类号： G06Q40/00
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。

2. 发明申请

US20050165695A1 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：US20050165695A1
公开(公告)日：2005-07-28
申请号：US10318480
申请日：2002-12-13
申请人： Michael Berardi , Michal Bliman , David Bonalle , Jennifer Elwood , Matthew Hood , Susan Isenberg , Alexandra Mayers , Trevor Perry , Peter Saunders , Kathryn Scheding , Sejal Shah , Kristin VonWald , John Williamson
发明人： Michael Berardi , Michal Bliman , David Bonalle , Jennifer Elwood , Matthew Hood , Susan Isenberg , Alexandra Mayers , Trevor Perry , Peter Saunders , Kathryn Scheding , Sejal Shah , Kristin VonWald , John Williamson
IPC分类号： G06Q20/00 , G07C9/00 , G06F17/60
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的资金准则来满足交易请求。

3. 发明申请

US20050160003A1 SYSTEM AND METHOD FOR INCENTING RFID TRANSACTION DEVICE USAGE AT A MERCHANT LOCATION 审中-公开
标题翻译：用于在商业地点使用RFID交易设备的系统和方法
公开(公告)号：US20050160003A1
公开(公告)日：2005-07-21
申请号：US10907602
申请日：2005-04-07
申请人： Michael Berardi , Michal Bliman , David Bonalle , Jennifer Elwood , Matthew Hood , Susan Isenberg , Trevor Perry , Peter Saunders , Kristin VonWald
发明人： Michael Berardi , Michal Bliman , David Bonalle , Jennifer Elwood , Matthew Hood , Susan Isenberg , Trevor Perry , Peter Saunders , Kristin VonWald
IPC分类号： G06Q20/00 , G07C9/00 , G06F17/60
CPC分类号： G06Q30/0226 , G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/327 , G06Q20/352 , G06Q30/0215 , G06Q30/0224 , G07C9/00111 , G07C9/00119
摘要： A system and method for providing incentives at a merchant location for using a RF identification (RFID) transaction device for transaction completion is provided. An RFID transaction device account number includes a marker for identifying that the transaction is being completed using an RFID transaction device. A merchant system recognizes the marker and provides incentives to the RFID device user accordingly. In one embodiment, the incentives are provided to an RFID device user in real-time. Alternatively, the merchant system may provide the incentives to the customer at a later time. Further still, incentives may be provided to the user based on a prior transaction history, user profile, or any other data related to the user, user account, merchant, product or service.
摘要翻译：提供了一种用于在商户位置提供用于使用用于交易完成的RF识别（RFID）交易设备的激励的系统和方法。 RFID交易设备帐号包括使用RFID交易设备来识别交易正在完成的标记。商家系统识别标记并相应地向RFID设备用户提供激励。在一个实施例中，激励被实时地提供给RFID设备用户。或者，商家系统可以在稍后的时间向客户提供激励。此外，还可以基于先前的交易历史，用户简档或与用户，用户帐户，商家，产品或服务相关的任何其他数据来向用户提供激励。

4. 发明申请

US20050040242A1 A TRANSPARENT TRANSACTION DEVICE 有权
标题翻译：透明交易装置
公开(公告)号：US20050040242A1
公开(公告)日：2005-02-24
申请号：US10708548
申请日：2004-03-10
申请人： Blayn Beenau , David Bonalle , Becky Eyk , Susan Isenberg , Leigh Malnati , Sue Mueller , Zarita Norcross , Lee Peart , Peter Saunders , Lisa Skilling-Belmond , Lida Webb , John Williamson
发明人： Blayn Beenau , David Bonalle , Becky Eyk , Susan Isenberg , Leigh Malnati , Sue Mueller , Zarita Norcross , Lee Peart , Peter Saunders , Lisa Skilling-Belmond , Lida Webb , John Williamson
IPC分类号： G06K7/00 , G06K19/02 , G06K19/07 , G06K19/077 , G06K19/08 , G06K19/16 , G06Q20/00 , G07C9/00 , G07F7/08 , H04L9/32 , G06K19/06 , G06K19/00
CPC分类号： G06Q20/00 , G06K7/0008 , G06K19/02 , G06K19/0723 , G06K19/077 , G06K19/08 , G06K19/16 , G06Q20/04 , G06Q20/14 , G06Q20/327 , G06Q20/3278 , G07C9/00111 , G07C9/00119 , G07F7/086 , H04L9/3231 , H04L9/3273 , H04L2209/56 , H04L2209/805
摘要： The present invention relates to a process for producing an transparent or translucent transaction device 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 device is visible through the device body. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or device manufacturing assembly line.
摘要翻译：本发明涉及一种用于制造具有多个特征的透明或半透明交易装置的方法，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，使得设备背面的RFID电路和签名通过设备主体可见。不可见的可光学识别的化合物是红外墨水和/或膜，其可以通过在ATM或装置制造装配线中发现的传感器来检测。

5. 发明申请

US20050060233A1 SYSTEM AND METHOD FOR SECURING RF TRANSACTIONS USING A RADIO FREQUENCY IDENTIFICATION DEVICE INCLUDING A TRANSACTIONS COUNTER 有权
标题翻译：使用包括交易计数器的无线电频率标识设备来保护RF交易的系统和方法
公开(公告)号：US20050060233A1
公开(公告)日：2005-03-17
申请号：US10708545
申请日：2004-03-10
申请人： David Bonalle , Susan Isenberg , Peter Saunders , John Williamson
发明人： David Bonalle , Susan Isenberg , Peter Saunders , John Williamson
IPC分类号： G06Q20/00 , G07C9/00 , G06F17/60 , H04K1/00
CPC分类号： G06Q20/20 , G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/327 , G06Q20/3278 , G06Q20/382 , G07C9/00111 , G07C9/00119 , G07F7/1083
摘要： A system and method for securing a Radio Frequency (RF) transaction using a RF identification device (RFID) transaction device is provided. The RFID transaction device includes a transactions counter for tallying the number of transactions attempted or completed with the RFID transactions device. The counter may be incremented by any predetermined amount, which may be predefined for a particular transaction device counter. The counter value is provided to an account issuer for use in determining if the counter value has exceeded a predetermined value correlative to the maximum number of transactions which may be completed using a transaction device.
摘要翻译：提供了一种使用RF识别设备（RFID）交易设备来确保射频（RF）交易的系统和方法。 RFID交易设备包括用于计算用RFID交易设备尝试或完成的交易数量的交易计数器。计数器可以增加任何预定量，其可以针对特定交易设备计数器预定义。将计数器值提供给帐户发行者，以用于确定计数器值是否已经超过与可以使用交易设备完成的最大交易数相关的预定值。

6. 发明申请

US20050077349A1 METHOD AND SYSTEM FOR FACILITATING A TRANSACTION USING A TRANSPONDER 有权
标题翻译：使用TRANSPONDER进行交易的方法和系统
公开(公告)号：US20050077349A1
公开(公告)日：2005-04-14
申请号：US10905078
申请日：2004-12-14
申请人： David Bonalle , Susan Isenberg , Peter Saunders
发明人： David Bonalle , Susan Isenberg , Peter Saunders
IPC分类号： G06Q20/00 , G06Q30/00 , G07C9/00 , G07F7/10 , G06K5/00
CPC分类号： G06Q20/383 , G06Q10/04 , G06Q20/00 , G06Q20/04 , G06Q20/0855 , G06Q20/10 , G06Q20/105 , G06Q20/108 , G06Q20/14 , G06Q20/206 , G06Q20/327 , G06Q20/346 , G06Q20/367 , G06Q20/3672 , G06Q20/385 , G06Q20/40 , G06Q30/04 , G06Q40/00 , G07C9/00111 , G07C9/00119 , G07F7/1008
摘要： The present invention provides a system and method for facilitating a RF transaction using a secondary transaction number that is associated with a user's primary transponder account. The user provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.
摘要翻译：本发明提供了一种使用与用户的主要应答器帐户相关联的次要交易号码促进RF交易的系统和方法。用户通常将与其相关联的有限使用条件的次要交易号码提供给商家以促进更安全和更自信的交易。

7. 发明申请

US20120282581A1 SYSTEM AND METHOD FOR BEHAVIOR MODIFICATION 审中-公开
标题翻译：用于行为修改的系统和方法
公开(公告)号：US20120282581A1
公开(公告)日：2012-11-08
申请号：US13526384
申请日：2012-06-18
申请人： Susan Isenberg
发明人： Susan Isenberg
IPC分类号： G09B19/00
CPC分类号： G09B19/00
摘要： A method for producing a behavior modification plan is disclosed which comprises the steps of providing a computer system having a program, the program for allowing input of information, inputting information relating to a behavior modification to be made, inputting information relating to past successes in the behavior modification to be made, inputting information relating to prior and anticipated barriers in the behavior modification to be made, inputting information relating to success in other areas other than the behavior modification to be made, inputting information relating to a preferred learning style, preparing a behavior modification plan based upon the behavior modification to be made, prior barriers, anticipated barriers, and a preferred learning style, and displaying the prepared behavior modification plan. A system for producing a behavior modification plan is also disclosed.
摘要翻译：公开了一种制作行为修改方案的方法，其特征在于包括以下步骤：提供具有程序的计算机系统，用于允许输入信息的程序，输入与要进行的行为修改相关的信息，输入有关过去成功的信息进行行为修改，输入有关行为修改中的先前和预期障碍的信息，输入与要进行的行为修改以外的其他领域的成功有关的信息，输入与优选学习风格相关的信息，准备基于行为修改的行为修改计划，先前的障碍，预期的障碍和首选的学习风格，并显示准备的行为修改计划。还公开了一种用于生成行为修改计划的系统。

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