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1. 发明授权

US08676161B2 Enforcing time-out periods in payment-enabled mobile device 有权
标题翻译：在支付支付的移动设备中强制超时期限
公开(公告)号：US08676161B2
公开(公告)日：2014-03-18
申请号：US12886845
申请日：2010-09-21
申请人： Simon Phillips , Jonathan Main , Ronald D. Carter , David A. Roberts
发明人： Simon Phillips , Jonathan Main , Ronald D. Carter , David A. Roberts
IPC分类号： H04M1/66
CPC分类号： G06Q20/206 , G06Q20/3226 , G06Q20/3229 , G06Q20/3278 , G06Q20/3437 , G06Q20/4012 , G06Q20/4016
摘要： A mobile device includes a housing and an antenna mounted in or on the housing. The antenna is for transmitting and receiving transaction signals to and from a point of sale (POS) terminal. The device also includes at least one user interface element mounted on the housing and a transceiver mounted in the housing and coupled to the antenna. Still further, the device includes a secure element mounted in the housing. The secure element is coupled to the transceiver and stores a payment application program. The payment application program is for handling exchanging of the transaction signals with the POS terminal. A tick counter is operated within the secure element. The tick counter is for enforcing at least one time-out period with respect to transactions handled by the payment application program.
摘要翻译：移动设备包括壳体和安装在壳体中或外壳上的天线。该天线用于向和从销售点（POS）终端发送和接收交易信号。该装置还包括安装在壳体上的至少一个用户界面元件和安装在壳体中并耦合到天线的收发器。此外，该装置包括安装在壳体中的安全元件。安全元件耦合到收发器并存储支付应用程序。支付应用程序用于处理交易信号与POS终端的交换。一个刻度计数器在安全元件内运行。滴答计数器用于对付款应用程序处理的交易执行至少一个超时期。

2. 发明申请

US20120021722A1 ENFORCING TIME-OUT PERIODS IN PAYMENT-ENABLED MOBILE DEVICE 有权
标题翻译：执行付费移动设备中的超时期
公开(公告)号：US20120021722A1
公开(公告)日：2012-01-26
申请号：US12886845
申请日：2010-09-21
申请人： Simon Phillips , Jonathan Main , Ronald D. Carter , David A. Roberts
发明人： Simon Phillips , Jonathan Main , Ronald D. Carter , David A. Roberts
IPC分类号： H04W12/06 , H04W4/00 , H04W92/04
CPC分类号： G06Q20/206 , G06Q20/3226 , G06Q20/3229 , G06Q20/3278 , G06Q20/3437 , G06Q20/4012 , G06Q20/4016
摘要： A mobile device includes a housing and an antenna mounted in or on the housing. The antenna is for transmitting and receiving transaction signals to and from a point of sale (POS) terminal. The device also includes at least one user interface element mounted on the housing and a transceiver mounted in the housing and coupled to the antenna. Still further, the device includes a secure element mounted in the housing. The secure element is coupled to the transceiver and stores a payment application program. The payment application program is for handling exchanging of the transaction signals with the POS terminal. A tick counter is operated within the secure element. The tick counter is for enforcing at least one time-out period with respect to transactions handled by the payment application program.
摘要翻译：移动设备包括壳体和安装在壳体中或外壳上的天线。该天线用于向和从销售点（POS）终端发送和接收交易信号。该装置还包括安装在壳体上的至少一个用户界面元件和安装在壳体中并耦合到天线的收发器。此外，该装置包括安装在壳体中的安全元件。安全元件耦合到收发器并存储支付应用程序。支付应用程序用于处理交易信号与POS终端的交换。一个刻度计数器在安全元件内运行。滴答计数器用于对付款应用程序处理的交易执行至少一个超时期。

3. 发明申请

US20100317318A1 METHODS AND APPARATUS FOR PROVIDING PRE-PAID PAYMENT CAPABILITY ON MOBILE TELEPHONE 审中-公开
标题翻译：移动电话提供预付费能力的方法和装置
公开(公告)号：US20100317318A1
公开(公告)日：2010-12-16
申请号：US12481703
申请日：2009-06-10
申请人： Ronald D. Carter , Simon Phillips , David A. Roberts , Patrick Mestre , Jean Somers , Paul Vanneste
发明人： Ronald D. Carter , Simon Phillips , David A. Roberts , Patrick Mestre , Jean Somers , Paul Vanneste
IPC分类号： H04M11/00
CPC分类号： H04M17/301 , G06Q20/20 , G06Q20/28 , G06Q20/32 , G06Q20/3227 , G06Q20/325 , G06Q20/3278 , G06Q20/349 , H04L12/14 , H04L12/1464 , H04L12/1467 , H04M15/00 , H04M17/00 , H04M17/20 , H04M17/201 , H04M17/202 , H04M17/204 , H04M17/30 , H04W4/24
摘要： A method includes receiving an over-the-air message from a mobile telephone. The message requests top-up of a prepaid payment capability in the mobile telephone. The method further includes authorizing the requested top-up. In addition, the method includes transmitting an over-the-air response to the mobile telephone. The response indicates to the mobile telephone that the top-up is authorized.
摘要翻译：一种方法包括从移动电话接收空中消息。该消息请求在移动电话中预付付款能力的充值。该方法还包括授权所请求的充值。此外，该方法包括向移动电话发送空中响应。该响应向移动电话显示充值已被授权。

4. 发明授权

US09189786B2 Systems and methods for operating transaction terminals 有权
标题翻译：操作交易终端的系统和方法
公开(公告)号：US09189786B2
公开(公告)日：2015-11-17
申请号：US13077626
申请日：2011-03-31
申请人： David A. Roberts , Ronald D. Carter , Jean-Paul Edmond Rans , Enda Rice
发明人： David A. Roberts , Ronald D. Carter , Jean-Paul Edmond Rans , Enda Rice
IPC分类号： G06Q20/32 , G07F7/08 , G06Q20/20
CPC分类号： G06Q20/202 , G06Q20/327 , G06Q20/3278 , G07F7/088
摘要： Methods, systems and apparatus are provided including a proximity payment device reader which includes a reader control program. A first process is executed upon receipt of an activation signal indicating the initiation of a transaction involving a proximity payment device with the reader, the first process causing at least a first signal to be transmitted to a second process, the second process causing the transmission of at least a second signal to the proximity payment device through a transceiver. In some embodiments, the processes may be executed to compare application data received from the payment device to data stored in a transaction log to determine if the proximity payment device was involved in an interrupted transaction. If the proximity payment device was involved in an interrupted transaction a signal is transmitted to the proximity payment device to attempt to retry the interrupted transaction.
摘要翻译：提供了包括读写器控制程序的接近支付设备读取器的方法，系统和装置。在接收到指示与读取器相关的接近支付装置的交易的开始的激活信号时，执行第一处理，第一处理使得至少第一信号被发送到第二处理，第二处理导致传输至少通过收发器向接近支付设备发送第二信号。在一些实施例中，可以执行处理以将从支付设备接收的应用数据与存储在事务日志中的数据进行比较，以确定接近支付设备是否涉及中断的交易。如果接近支付设备涉及中断的交易，则信号被发送到接近支付设备以尝试重试中断的交易。

5. 发明申请

US20110244799A1 SYSTEMS AND METHODS FOR OPERATING TRANSACTION TERMINALS 有权
标题翻译：用于操作交易终端的系统和方法
公开(公告)号：US20110244799A1
公开(公告)日：2011-10-06
申请号：US13077626
申请日：2011-03-31
申请人： David A. Roberts , Ronald D. Carter , Jean-Paul Edmond Rans , Enda Rice
发明人： David A. Roberts , Ronald D. Carter , Jean-Paul Edmond Rans , Enda Rice
IPC分类号： H04B7/00
CPC分类号： G06Q20/202 , G06Q20/327 , G06Q20/3278 , G07F7/088
摘要： Methods, systems and apparatus are provided including a proximity payment device reader which includes a reader control program to control a process to execute process, where a first process is executed upon receipt of an activation signal, the activation signal indicating the initiation of a transaction involving a proximity payment device with the reader, the first process causing at least a first signal to be transmitted to a second process, the second process causing the transmission of at least a second signal to the proximity payment device through a transceiver. In some embodiments, the first process and the second process each have a queue in which received signals are placed and handled in a first in first out basis allowing the processes to run concurrently with each other. In some embodiments, the processes may be executed to compare at least a portion of application data received from the payment device to data stored in a transaction log of the reader device to determine if the proximity payment device was recently involved in an interrupted transaction at said reader device, and if the proximity payment device was recently involved in an interrupted transaction at the reader, transmitting a signal to the proximity payment device to attempt to retry the interrupted transaction.
摘要翻译：提供了包括接近支付设备读取器的方法，系统和装置，其包括用于控制执行处理的处理的读取器控制程序，其中在接收到激活信号时执行第一处理，所述激活信号指示涉及的交易的开始具有读取器的接近支付设备，所述第一处理使得至少第一信号被发送到第二处理，所述第二处理通过收发器至少将第二信号传输到接近支付设备。在一些实施例中，第一进程和第二进程各自具有队列，其中接收到的信号以先进先出的方式被放置和处理，允许进程彼此同时运行。在一些实施例中，可以执行处理以将从支付设备接收的应用数据的至少一部分与存储在读取器设备的事务日志中的数据进行比较，以确定接近支付设备是否最近参与所述中断交易读取器设备，并且如果接近支付设备最近参与读取器中断的交易，则将信号发送到接近支付设备以尝试重试中断的交易。

6. 发明申请

US20130282459A1 METHODS AND APPARATUS FOR STANDARD APPROACH TO COUPON SELECTION 审中-公开
标题翻译：标准方法选择方法和装置
公开(公告)号：US20130282459A1
公开(公告)日：2013-10-24
申请号：US13451770
申请日：2012-04-20
申请人： Patrik Smets , David A. Roberts , Jonathan Main
发明人： Patrik Smets , David A. Roberts , Jonathan Main
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0207 , G06Q20/045 , G06Q20/322 , G06Q20/387 , G06Q30/0238
摘要： Presented are apparatus and methods for utilizing coupons and the like in the context of a contactless payment process. A processor of a payment-enabled mobile device stores a Proximity Coupon System Environment (PCSE). The PCSE includes coupon applications that provide for an alternative form of payment and/or that influence a final transaction amount for a payment transaction. The method includes storing in a File Control Information (FCI) file of the PCSE a list of the coupon applications, and storing in a FCI file of a Proximity Payment System Environment (PPSE) an indication of the existence of the PCSE. When a payment transaction request is received from a proximity reader, the payment-enabled mobile device transmits the indication of the existence of the PCSE and the list of coupon applications that are to be considered before determining the final transaction amount.
摘要翻译：提出了在非接触式支付过程的背景下利用优惠券等的装置和方法。支付支付移动设备的处理器存储接近优惠券系统环境（PCSE）。 PCSE包括提供替代付款方式和/或影响支付交易的最终交易金额的息票申请。该方法包括将PCSE的文件控制信息（FCI）文件存储在优惠券应用的列表中，并将接近支付系统环境（PPSE）的FCI文件存储在PCSE的存在的指示上。当从接近读取器接收到支付交易请求时，支付支付的移动设备在确定最终交易金额之前发送PCSE的存在的指示和要考虑的优惠券应用的列表。

7. 发明授权

US10290013B2 Methods and apparatus for standard approach to coupon selection 有权
公开(公告)号：US10290013B2
公开(公告)日：2019-05-14
申请号：US13451770
申请日：2012-04-20
申请人： Patrik Smets , David A. Roberts , Jonathan Main
发明人： Patrik Smets , David A. Roberts , Jonathan Main
IPC分类号： G06Q30/00 , G06Q30/02 , G06Q20/04 , G06Q20/32 , G06Q20/38
摘要： Presented are apparatus and methods for utilizing coupons and the like in the context of a contactless payment process. A processor of a payment-enabled mobile device stores a Proximity Coupon System Environment (PCSE). The PCSE includes coupon applications that provide for an alternative form of payment and/or that influence a final transaction amount for a payment transaction. The method includes storing in a File Control Information (FCI) file of the PCSE a list of the coupon applications, and storing in a FCI file of a Proximity Payment System Environment (PPSE) an indication of the existence of the PCSE. When a payment transaction request is received from a proximity reader, the payment-enabled mobile device transmits the indication of the existence of the PCSE and the list of coupon applications that are to be considered before determining the final transaction amount.

8. 发明授权

US09721319B2 Tap and wireless payment methods and devices 有权
公开(公告)号：US09721319B2
公开(公告)日：2017-08-01
申请号：US13432778
申请日：2012-03-28
申请人： Patrik Smets , David A. Roberts , Simon Phillips , John Gaitanos , Mehdi Collinge , Jonathan James Main
发明人： Patrik Smets , David A. Roberts , Simon Phillips , John Gaitanos , Mehdi Collinge , Jonathan James Main
IPC分类号： G06Q20/00 , G06T1/20 , H04N19/85
CPC分类号： G06T1/20 , H04N19/85
摘要： Example embodiments include methods and apparatus for exchanging, using a contactless interface included in a portable device, transaction information associated with an electronic merchant device when the portable device is brought into close proximity to a contactless interface associated with the electronic merchant device, with the information identifying the electronic merchant device and identifying a handover wireless network connected to the electronic merchant device and with information including security credentials required to form a secure connection, establishing a persistent, secure wireless connection with the electronic merchant device, using a wireless network interface in the portable device and the transaction information, over the handover wireless network and exchanging transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval.

9. 发明申请

US20090100511A1 METHOD AND APPARATUS FOR USE IN PERSONALIZING IDENTIFICATION TOKEN 审中-公开
标题翻译：用于个性化识别托盘的方法和装置
公开(公告)号：US20090100511A1
公开(公告)日：2009-04-16
申请号：US11870144
申请日：2007-10-10
申请人： Simon Phillips , Bengt Horsma , Duncan Garrett , David A. Roberts
发明人： Simon Phillips , Bengt Horsma , Duncan Garrett , David A. Roberts
IPC分类号： H04L9/32
CPC分类号： G06Q20/20 , G06Q20/3278 , G06Q20/3552 , H04L9/3234 , H04L2209/56 , H04L2209/805
摘要： According to some embodiments, a method comprises: storing, in a personalization token, information to personalize an identification token; issuing the personalization token to an account holder; and transmitting the information from the personalization token to the identification token using a wireless interface. According to some embodiments, apparatus comprises: a personalization token issued to an account holder, the personalization token comprising: information to personalize an identification token; and a wireless communication interface to transmit the information to the identification token.
摘要翻译：根据一些实施例，一种方法包括：在个性化令牌中存储用于个性化识别令牌的信息; 向个人账户持有者发放个性化令牌; 以及使用无线接口将所述信息从所述个性化令牌发送到所述识别令牌。根据一些实施例，装置包括：发给帐户持有者的个人化令牌，个性化令牌包括：个性化识别令牌的信息; 以及将信息发送到识别令牌的无线通信接口。

10. 发明授权

US10783514B2 Method and apparatus for use in personalizing identification token 有权
公开(公告)号：US10783514B2
公开(公告)日：2020-09-22
申请号：US11870144
申请日：2007-10-10
申请人： Simon Phillips , Bengt Horsma , Duncan Garrett , David A. Roberts
发明人： Simon Phillips , Bengt Horsma , Duncan Garrett , David A. Roberts
IPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/34 , H04L9/32
摘要： According to some embodiments, a method comprises: storing, in a personalization token, information to personalize an identification token; issuing the personalization token to an account holder; and transmitting the information from the personalization token to the identification token using a wireless interface. According to some embodiments, apparatus comprises: a personalization token issued to an account holder, the personalization token comprising: information to personalize an identification token; and a wireless communication interface to transmit the information to the identification token.

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