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1. 发明申请

US20130185167A1 FINANCIAL TRANSACTION METHOD AND SYSTEM HAVING AN UPDATE MECHANISM 审中-公开
标题翻译：具有更新机制的财务交易方法和系统
公开(公告)号：US20130185167A1
公开(公告)日：2013-07-18
申请号：US13825115
申请日：2010-09-21
申请人： Patrick Mestré , Cristian Radu , David A. Roberts , Edward L.H. Van de Velde
发明人： Patrick Mestré , Cristian Radu , David A. Roberts , Edward L.H. Van de Velde
IPC分类号： G06Q20/20
CPC分类号： G06Q20/202 , G06Q20/20 , G06Q20/4033 , G06Q20/4037 , G07F7/10 , G07F7/127
摘要： A payment device and method and system for using the payment device is described capable of utilizing a pre-authorized amount on existing infrastructure, including POS terminals or for using offline pre-paid products on this infrastructure. The updates for the pre-authorized or offline prepaid products can be sent by the issuer and applied by the card contemporaneously with the card's processing of the issuer authentication data but without requiring any additional bytes in the issuer authentication data. The updates performed by the issuer can be larger and more extensive than could be achieved by using any available space in the issuer authentication data.
摘要翻译：描述了用于使用支付设备的支付设备和方法和系统，其能够利用包括POS终端在内的现有基础设施的预授权量，或者在该基础设施上使用离线预付产品。预授权或离线预付产品的更新可以由发行人发送并由卡同时应用于发卡人认证数据的卡的处理，而不需要在发行者认证数据中的任何附加字节。由发行者执行的更新可以比通过使用发行者认证数据中的任何可用空间可以实现的更广泛和更广泛。

2. 发明授权

US10147077B2 Financial transaction method and system having an update mechanism 有权
公开(公告)号：US10147077B2
公开(公告)日：2018-12-04
申请号：US13825115
申请日：2010-09-21
申请人： Patrick Mestré , Cristian Radu , David A. Roberts , Edward L. H. Van de Velde
发明人： Patrick Mestré , Cristian Radu , David A. Roberts , Edward L. H. Van de Velde
IPC分类号： G06G1/12 , G06Q20/20 , G06Q20/40 , G07F7/10 , G07F7/12
摘要： A payment device and method and system for using the payment device is described capable of utilizing a pre-authorized amount on existing infrastructure, including POS terminals or for using offline pre-paid products on this infrastructure. The updates for the pre-authorized or offline prepaid products can be sent by the issuer and applied by the card contemporaneously with the card's processing of the issuer authentication data but without requiring any additional bytes in the issuer authentication data. The updates performed by the issuer can be larger and more extensive than could be achieved by using any available space in the issuer authentication data.

3. 发明申请

US20110112920A1 METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE 有权
公开(公告)号：US20110112920A1
公开(公告)日：2011-05-12
申请号：US12915603
申请日：2010-10-29
申请人： Patrick Mestré , Cristian Radu , Patrik Smets , Simon Phillips , Ronald D. Carter
发明人： Patrick Mestré , Cristian Radu , Patrik Smets , Simon Phillips , Ronald D. Carter
IPC分类号： G06Q20/00
CPC分类号： G06Q20/3278 , G06Q20/16 , G06Q20/20 , G06Q20/204 , G06Q20/28 , G06Q20/32 , G06Q20/3433 , G06Q20/349 , G06Q20/381 , G06Q20/40 , G06Q20/4012 , G06Q20/4016 , G06Q20/409 , G07F7/1025
摘要： A payment-enabled mobile device such as a “smart phone” incorporates risk management features that are applicable to its use in contactless payment transactions. Some features may govern when verification of the cardholder's identity is required for consummation of the current transaction. The features may be configurable by the payment card account issuer and/or the user of the mobile device.

4. 发明授权

US08401964B2 Apparatus, method, and computer program product for encoding enhanced issuer information in a card 有权
标题翻译：用于对卡中增强的发行者信息进行编码的装置，方法和计算机程序产品
公开(公告)号：US08401964B2
公开(公告)日：2013-03-19
申请号：US12769383
申请日：2010-04-28
申请人： Cristian Radu , Patrick Mestré , Duncan Garrett
发明人： Cristian Radu , Patrick Mestré , Duncan Garrett
IPC分类号： G06Q40/00 , G06Q20/00 , G07D11/00 , G06F19/00 , G06F7/00 , G06K5/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/18 , G06Q20/38 , G06Q20/382 , G07F7/1008 , G07F7/12
摘要： Facilitating communications between an electronic payment device and an issuer host includes storing in the payment device a set of personalization parameters. A first set of status information indicative of available status information relating to the payment device is transformed into a second set of status information based on the set of personalization parameters, and/or a second set of actions is selected from a first set of actions indicative of available actions to be performed by the payment device based on the set of personalization parameters and an order received from the issuer for initiating at least one corresponding action in the payment device. The second set of status information includes a subset of the first set of status information; the second set of actions includes a subset of the first set of actions. The payment device transmits the second set of status information to the issuer and/or initiates the actions in the second set of actions corresponding to the order received from the issuer.
摘要翻译：促进电子支付设备和发行者主机之间的通信包括在支付设备中存储一组个性化参数。指示与支付设备相关的可用状态信息的第一组状态信息基于个性化参数集合被变换为第二组状态信息，和/或第二组动作从第一组动作中选择基于一组个性化参数以及从发行者接收到的用于发起支付设备中的至少一个相应动作的订单，由支付设备执行的可用动作。第二组状态信息包括第一组状态信息的子集; 第二组动作包括第一组动作的子集。支付设备向发行者发送第二组状态信息和/或发起与从发行者接收到的订单相对应的第二组动作中的动作。

5. 发明授权

US09240005B2 Methods for risk management in payment-enabled mobile device 有权
标题翻译：支付支付移动设备中的风险管理方法
公开(公告)号：US09240005B2
公开(公告)日：2016-01-19
申请号：US12915550
申请日：2010-10-29
申请人： Patrick Mestré , Cristian Radu , Paul Vanneste , Simon Phillips , Ronald D. Carter
发明人： Patrick Mestré , Cristian Radu , Paul Vanneste , Simon Phillips , Ronald D. Carter
IPC分类号： G06Q20/10 , G06Q20/16 , G06Q20/20 , G06Q20/32 , G06Q20/40 , G07F7/10 , G06Q20/22 , G06Q20/04
CPC分类号： G06Q20/3278 , G06Q20/16 , G06Q20/20 , G06Q20/204 , G06Q20/28 , G06Q20/32 , G06Q20/3433 , G06Q20/349 , G06Q20/381 , G06Q20/40 , G06Q20/4012 , G06Q20/4016 , G06Q20/409 , G07F7/1025
摘要： A payment-enabled mobile device such as a “smart phone” incorporates risk management features that are applicable to its use in contactless payment transactions. Some features may govern when verification of the cardholder's identity is required for consummation of the current transaction. The features may be configurable by the payment card account issuer and/or the user of the mobile device.
摘要翻译：支付支付的移动设备（例如“智能电话”）包含适用于其在非接触式支付交易中的应用的风险管理功能。当完成当前交易时，需要对持卡人身份进行验证时，有些功能可能会受到管辖。功能可以由支付卡帐户发行者和/或移动设备的用户来配置。

6. 发明授权

US08706556B2 Methods for risk management in payment-enabled mobile device 有权
标题翻译：支付支付移动设备中的风险管理方法
公开(公告)号：US08706556B2
公开(公告)日：2014-04-22
申请号：US12915603
申请日：2010-10-29
申请人： Patrick Mestré , Cristian Radu , Patrik Smets , Simon Phillips , Ronald D. Carter
发明人： Patrick Mestré , Cristian Radu , Patrik Smets , Simon Phillips , Ronald D. Carter
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/3278 , G06Q20/16 , G06Q20/20 , G06Q20/204 , G06Q20/28 , G06Q20/32 , G06Q20/3433 , G06Q20/349 , G06Q20/381 , G06Q20/40 , G06Q20/4012 , G06Q20/4016 , G06Q20/409 , G07F7/1025
摘要： A payment-enabled mobile device such as a “smart phone” incorporates risk management features that are applicable to its use in contactless payment transactions. Some features may govern when verification of the cardholder's identity is required for consummation of the current transaction. The features may be configurable by the payment card account issuer and/or the user of the mobile device.
摘要翻译：支付支付的移动设备（例如“智能电话”）包含适用于其在非接触式支付交易中的应用的风险管理功能。当完成当前交易时，需要对持卡人身份进行验证时，有些功能可能会受到管辖。功能可以由支付卡帐户发行者和/或移动设备的用户来配置。

7. 发明申请

US20110112918A1 METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE 有权
标题翻译：支付移动移动设备风险管理方法
公开(公告)号：US20110112918A1
公开(公告)日：2011-05-12
申请号：US12915550
申请日：2010-10-29
申请人： Patrick Mestré , Cristian Radu , Paul Vanneste , Simon Phillips , Ronald D. Carter
发明人： Patrick Mestré , Cristian Radu , Paul Vanneste , Simon Phillips , Ronald D. Carter
IPC分类号： G06Q20/00 , H04M11/00
CPC分类号： G06Q20/3278 , G06Q20/16 , G06Q20/20 , G06Q20/204 , G06Q20/28 , G06Q20/32 , G06Q20/3433 , G06Q20/349 , G06Q20/381 , G06Q20/40 , G06Q20/4012 , G06Q20/4016 , G06Q20/409 , G07F7/1025
摘要： A payment-enabled mobile device such as a “smart phone” incorporates risk management features that are applicable to its use in contactless payment transactions. Some features may govern when verification of the cardholder's identity is required for consummation of the current transaction. The features may be configurable by the payment card account issuer and/or the user of the mobile device.
摘要翻译：支付支付的移动设备（例如“智能电话”）包含适用于其在非接触式支付交易中的应用的风险管理功能。当完成当前交易时，需要对持卡人身份进行验证时，有些功能可能会受到管辖。功能可以由支付卡帐户发行者和/或移动设备的用户来配置。

8. 发明授权

US08583561B2 Apparatus, method, and computer program product for providing a quality control mechanism for the contactless interface of a dual-interface card 有权
标题翻译：装置，方法和计算机程序产品，用于为双接口卡的非接触式接口提供质量控制机制
公开(公告)号：US08583561B2
公开(公告)日：2013-11-12
申请号：US12769395
申请日：2010-04-28
申请人： Patrick Mestré , Cristian Radu
发明人： Patrick Mestré , Cristian Radu
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06K19/07749 , G06K19/07769 , G06Q20/10 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/352 , G06Q20/357 , G06Q20/35765 , G06Q20/35785 , G07F7/0873
摘要： Techniques for enabling performance of a quality control function on the contactless interface while the contactless interface is disabled are provided. The techniques include implementing, on a dual-interface payment device, one or more security mechanisms, wherein the dual-interface payment device comprises a first interface and a second interface, using the one or more security mechanisms to prevent a subset of data corresponding to the first interface from being read using the second interface while allowing data corresponding to the second interface to be read using the first interface, and personalizing the dual-interface payment device and the one or more security mechanisms according to one or more requirements of an issuer of the dual-interface payment device.
摘要翻译：提供了在非接触式接口被禁用时能够在非接触式接口上实现质量控制功能的技术。所述技术包括在双接口支付设备上实现一个或多个安全机制，其中所述双接口支付设备包括第一接口和第二接口，使用所述一个或多个安全机制来防止对应于使用第二接口读取第一接口，同时允许使用第一接口读取与第二接口对应的数据，以及根据发行者的一个或多个要求个性化双接口支付设备和一个或多个安全机制的双接口支付设备。

9. 发明申请

US20100325039A1 APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ENCODING ENHANCED ISSUER INFORMATION IN A CARD 有权
标题翻译：用于编码卡中增强的发行人信息的装置，方法和计算机程序产品
公开(公告)号：US20100325039A1
公开(公告)日：2010-12-23
申请号：US12769383
申请日：2010-04-28
申请人： Cristian Radu , Patrick Mestré , Duncan Garrett
发明人： Cristian Radu , Patrick Mestré , Duncan Garrett
IPC分类号： G06Q20/00 , G06K19/073
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/18 , G06Q20/38 , G06Q20/382 , G07F7/1008 , G07F7/12
摘要： Facilitating communications between an electronic payment device and an issuer host includes storing in the payment device a set of personalization parameters. A first set of status information indicative of available status information relating to the payment device is transformed into a second set of status information based on the set of personalization parameters, and/or a second set of actions is selected from a first set of actions indicative of available actions to be performed by the payment device based on the set of personalization parameters and an order received from the issuer for initiating at least one corresponding action in the payment device. The second set of status information includes a subset of the first set of status information; the second set of actions includes a subset of the first set of actions. The payment device transmits the second set of status information to the issuer and/or initiates the actions in the second set of actions corresponding to the order received from the issuer.
摘要翻译：促进电子支付设备和发行者主机之间的通信包括在支付设备中存储一组个性化参数。指示与支付设备相关的可用状态信息的第一组状态信息基于个性化参数集合被变换为第二组状态信息，和/或第二组动作从第一组动作中选择基于一组个性化参数以及从发行者接收到的用于发起支付设备中的至少一个相应动作的订单，由支付设备执行的可用动作。第二组状态信息包括第一组状态信息的子集; 第二组动作包括第一组动作的子集。支付设备向发行者发送第二组状态信息和/或发起与从发行者接收到的订单相对应的第二组动作中的动作。

10. 发明申请

US20100274712A1 APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR PROVIDING A QUALITY CONTROL MECHANISM FOR THE CONTACTLESS INTERFACE OF A DUAL-INTERFACE CARD 有权
标题翻译：用于提供双接口卡接触式接口质量控制机制的装置，方法和计算机程序产品
公开(公告)号：US20100274712A1
公开(公告)日：2010-10-28
申请号：US12769395
申请日：2010-04-28
申请人： Patrick Mestré , Cristian Radu
发明人： Patrick Mestré , Cristian Radu
IPC分类号： G06Q40/00 , G06F17/30
CPC分类号： G06Q20/40 , G06K19/07749 , G06K19/07769 , G06Q20/10 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/352 , G06Q20/357 , G06Q20/35765 , G06Q20/35785 , G07F7/0873
摘要： Techniques for enabling performance of a quality control function on the contactless interface while the contactless interface is disabled are provided. The techniques include implementing, on a dual-interface payment device, one or more security mechanisms, wherein the dual-interface payment device comprises a first interface and a second interface, using the one or more security mechanisms to prevent a subset of data corresponding to the first interface from being read using the second interface while allowing data corresponding to the second interface to be read using the first interface, and personalizing the dual-interface payment device and the one or more security mechanisms according to one or more requirements of an issuer of the dual-interface payment device.
摘要翻译：提供了在非接触式接口被禁用时能够在非接触式接口上实现质量控制功能的技术。所述技术包括在双接口支付设备上实现一个或多个安全机制，其中所述双接口支付设备包括第一接口和第二接口，使用所述一个或多个安全机制来防止对应于使用第二接口读取第一接口，同时允许使用第一接口读取与第二接口对应的数据，以及根据发行者的一个或多个要求个性化双接口支付设备和一个或多个安全机制的双接口支付设备。

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