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1. 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。

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

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。

4. 发明申请

US20050004921A1 SYSTEMS AND METHODS FOR PROVIDING A RF TRANSACTION DEVICE OPERABLE TO STORE MULTIPLE DISTINCT ACCOUNTS 有权
标题翻译：用于提供可以存储多个异步帐号的RF交易设备的系统和方法
公开(公告)号：US20050004921A1
公开(公告)日：2005-01-06
申请号：US10708550
申请日：2004-03-10
申请人： Blayn Beenau , Michal Bliman , David Bonalle , Joshua Montgomery , Peter Saunders , John Williamson
发明人： Blayn Beenau , Michal Bliman , David Bonalle , Joshua Montgomery , Peter Saunders , John Williamson
IPC分类号： G06Q20/00 , G07F7/00 , G07F7/10 , 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。

5. 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。

6. 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。

7. 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。

8. 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。

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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