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61. 发明授权

US08504478B2 Systems, methods and computer program products for performing mass transit merchant transactions 有权
标题翻译：用于执行公共交通商人交易的系统，方法和计算机程序产品
公开(公告)号：US08504478B2
公开(公告)日：2013-08-06
申请号：US13342576
申请日：2012-01-03
申请人： Peter D. Saunders , Lesley Leggatt , I-Hsin Chuang , John J. Oh
发明人： Peter D. Saunders , Lesley Leggatt , I-Hsin Chuang , John J. Oh
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/20 , G06Q20/202 , G06Q20/32 , G06Q20/352 , G06Q20/385 , G06Q20/40 , G06Q30/06 , G07B15/02
摘要： Methods, systems and computer program products are provided for enabling access to mass transit systems using a financial transaction instrument including reading an identifier including financial payment information from the financial transaction instrument and determining whether the identifier is stored in a database. Access to a holder of the financial transaction instrument is provided based on the determining.
摘要翻译：提供了方法，系统和计算机程序产品，用于使用金融交易工具访问公共交通系统，包括从金融交易工具读取包括金融支付信息的标识符，并确定标识符是否存储在数据库中。根据确定提供对金融交易工具持有人的访问。

62. 发明授权

US08423476B2 Methods and apparatus for conducting electronic transactions 有权
公开(公告)号：US08423476B2
公开(公告)日：2013-04-16
申请号：US13086143
申请日：2011-04-13
申请人： Fred A. Bishop , Peter D. Saunders
发明人： Fred A. Bishop , Peter D. Saunders
IPC分类号： G06Q20/00 , G06F7/04
CPC分类号： G07F7/0866 , G06Q20/027 , G06Q20/0855 , G06Q20/341 , G06Q20/363 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/4097 , G07F7/1008
摘要： A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use of the intelligent instrument by issuing a challenge to an intelligent token of the intelligent instrument. The intelligent token generates a challenge response and transmits the challenge response to the authorization server, which assembles credentials including a key for the electronic transaction upon validating the response. The authorization server sends the assembled credentials to the intelligent instrument and the intelligent instrument transmits the assembled credentials to the authorization server during a subsequent transaction. The authorization server validates the assembled credentials and provides authorization for the transaction in response to the validating the assembled credentials.

63. 发明授权

US08418918B2 System and method for secure transactions manageable by a transaction account provider 有权
公开(公告)号：US08418918B2
公开(公告)日：2013-04-16
申请号：US12354539
申请日：2009-01-15
申请人： Peter D. Saunders , Brian T. Barnes
发明人： Peter D. Saunders , Brian T. Barnes
IPC分类号： G06K5/00 , G06K7/01
CPC分类号： G07C9/00111 , G06K9/00 , G06K9/00899 , G06K2009/00932 , G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/20 , G06Q20/327 , G06Q20/3674 , G06Q20/385 , G06Q20/388 , G06Q20/40 , G06Q20/4014 , G07C9/00087 , G07C9/00119 , G07G1/14
摘要： A system and method for securing a financial transaction using a proxy code, which is assigned a transaction account number. An account issuer permanently assigns the proxy code to a transaction account correlated to the transaction device. The proxy code is uploaded onto the transaction device for later use in completing a transaction request. During transaction completion, the proxy code is provided to a merchant system in lieu of any sensitive account information. Since the proxy code is permanently assigned, the number need not be changed or updated on the merchant system once uploaded into a payment device or merchant database. The account issuer may manipulate the sensitive account information without need to alter the information stored on the merchant database. Since the proxy code contains no sensitive information, the sensitive information related to the transaction account is secured from theft.

64. 发明申请

US20110289001A1 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 有权
标题翻译：使用二级标识指标对RF交易设备管理多个帐户的系统和方法
公开(公告)号：US20110289001A1
公开(公告)日：2011-11-24
申请号：US13181846
申请日：2011-07-13
申请人： Fred Bishop , Peter D. Saunders
发明人： Fred Bishop , Peter D. Saunders
IPC分类号： G06Q40/00
CPC分类号： G07C9/00111 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/20 , G06Q20/327 , G06Q20/3278 , G06Q20/382 , G06Q20/40 , G07C9/00119 , G07F7/1083
摘要： Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct 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 financial 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 financial 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 financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other. The transaction device user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts. The transaction request may be processed in accordance with the user's allocations.
摘要翻译：系统和方法被配置为管理与事务设备相关联的数据集。例如，提供了一种用于促进由不同数据集所有者提供的交易设备上的不同数据集的管理的方法，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/写将第一数据集加到金融交易设备中，其中第一数据集由第一所有者拥有; 通过所述读/写设备将第二数据集合加到所述金融交易设备，其中所述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金融交易装置上。第一和第二数据集分别与第一和第二所有者相关联，并且被配置为彼此独立地存储。可以允许交易设备用户使用辅助标识符标记来选择用于交易完成的多个数据集中的至少一个。在用户选择多个帐户进行交易完成的情况下，可以允许用户将交易的部分分配给所选择的交易账户。交易请求可以根据用户的分配进行处理。

65. 发明申请

US20090164375A1 SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR PERFORMING MASS TRANSIT MERCHANT TRANSACTIONS 有权
标题翻译：用于执行大规模交易商业交易的系统，方法和计算机程序产品
公开(公告)号：US20090164375A1
公开(公告)日：2009-06-25
申请号：US12273738
申请日：2008-11-19
申请人： Peter D. Saunders , Lesley Leggatt , I-Hsin Chuang , John J. Oh
发明人： Peter D. Saunders , Lesley Leggatt , I-Hsin Chuang , John J. Oh
IPC分类号： G06Q40/00
CPC分类号： G06Q20/20 , G06Q20/202 , G06Q20/32 , G06Q20/352 , G06Q20/385 , G06Q20/40 , G06Q30/06 , G07B15/02
摘要： Methods, systems and computer program products are provided for enabling access to mass transit systems using a financial transaction instrument including reading an identifier including financial payment information from the financial transaction instrument and determining whether the identifier is stored in a database. Access to a holder of the financial transaction instrument is provided based on the determining.
摘要翻译：提供了方法，系统和计算机程序产品，用于使用金融交易工具访问公共交通系统，包括从金融交易工具读取包括金融支付信息的标识符，并确定标识符是否存储在数据库中。根据确定提供对金融交易工具持有人的访问。

66. 发明申请

US20090164327A1 Methods for Processing a Payment Authorization Request Utilizing a Network of Point of Sale Devices 有权
标题翻译：使用销售点设备的网络来处理支付授权请求的方法
公开(公告)号：US20090164327A1
公开(公告)日：2009-06-25
申请号：US12353081
申请日：2009-01-13
申请人： Fred A. Bishop , Peter D. Saunders
发明人： Fred A. Bishop , Peter D. Saunders
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q30/00
CPC分类号： G06Q20/12 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/202 , G06Q20/207 , G06Q20/40 , G06Q20/403
摘要： A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.
摘要翻译：销售点（POS）设备可以被配置为定位支付系统，并且直接地或经由支付系统目录和/或SSL网关从远程位置向支付系统发送支付授权请求。本发明还包括将第三方帐户信息插入到支付请求的加密部分中，因此支付请求以正常请求的形式出现给开证行，但第三方帐户信息可被第三方用于对客户收费。支付系统目录还被配置为确定一个或多个支付处理器来指示支付授权请求，使得可以在多个支付处理器之间分配单个交易以进行授权。此外，支付系统目录能够将替代支付方式格式化为能够通过现有支付网络进行处理的格式。

67. 发明申请

US20090164325A1 Systems and Methods for Locating an Automated Clearing House Utilizing a Point of Sale Device 审中-公开
标题翻译：使用销售点设备的自动清算所查找的系统和方法
公开(公告)号：US20090164325A1
公开(公告)日：2009-06-25
申请号：US12353130
申请日：2009-01-13
申请人： Fred A. Bishop , Peter D. Saunders
发明人： Fred A. Bishop , Peter D. Saunders
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/207 , G06Q20/40 , G06Q20/403 , G06Q30/04
摘要： A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.
摘要翻译：销售点（POS）设备可以被配置为定位支付系统，并且直接地或经由支付系统目录和/或SSL网关从远程位置向支付系统发送支付授权请求。本发明还包括将第三方帐户信息插入到支付请求的加密部分中，因此支付请求以正常请求的形式出现给开证行，但第三方帐户信息可被第三方用于对客户收费。支付系统目录还被配置为确定一个或多个支付处理器来指示支付授权请求，使得可以在多个支付处理器之间分配单个交易以进行授权。此外，支付系统目录能够将替代支付方式格式化为能够通过现有支付网络进行处理的格式。

68. 发明申请

US20090157518A1 Systems and Methods for Allocating a Payment Authorization Request to a Payment Processor 有权
标题翻译：将支付授权请求分配给支付处理器的系统和方法
公开(公告)号：US20090157518A1
公开(公告)日：2009-06-18
申请号：US12353049
申请日：2009-01-13
申请人： Fred A. Bishop , Peter D. Saunders
发明人： Fred A. Bishop , Peter D. Saunders
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/02 , G06Q20/04 , G06Q20/14 , G06Q20/20 , G06Q20/202 , G06Q20/207 , G06Q20/35785 , G06Q20/385 , G06Q20/40 , G06Q20/403 , G06Q30/06
摘要： A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.
摘要翻译：销售点（POS）设备可以被配置为定位支付系统，并且直接地或经由支付系统目录和/或SSL网关从远程位置向支付系统发送支付授权请求。本发明还包括将第三方帐户信息插入到支付请求的加密部分中，因此支付请求以正常请求的形式出现给开证行，但第三方帐户信息可被第三方用于对客户收费。支付系统目录还被配置为确定一个或多个支付处理器来指示支付授权请求，使得可以在多个支付处理器之间分配单个交易以进行授权。此外，支付系统目录能够将替代支付方式格式化为能够通过现有支付网络进行处理的格式。

69. 发明申请

US20090140839A1 SYSTEMS AND METHODS FOR NON-TRADITIONAL PAYMENT USING BIOMETRIC DATA 有权
标题翻译：使用生物量数据进行非传统付款的系统和方法
公开(公告)号：US20090140839A1
公开(公告)日：2009-06-04
申请号：US12367414
申请日：2009-02-06
申请人： Fred Bishop , Peter D. Saunders
发明人： Fred Bishop , Peter D. Saunders
IPC分类号： G05B19/00 , H04L9/32 , G06Q20/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/32 , G06Q20/327 , G06Q20/3572 , G06Q20/385 , G06Q20/4012 , G06Q20/4014
摘要： Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor
摘要翻译：公开了使用非传统设备的交易和生物特征数据激活交易设备。在非传统设备处形成交易请求，并且传送给读取器，其中非传统设备可以被配置有RFID设备。在执行生物特征语音分析以验证RFID装备的非传统设备的载体是存储在其上的帐户信息的真实拥有者之后，RFID设备是不可操作的。非传统设备在用户和验证系统之间提供管道以执行用户的生物测定语音分析。当验证系统确定用户是存储在验证系统中的一个或多个帐户的真实所有者时，在验证系统之间促进购买交易。可以进一步通过诸如蜂窝电话的非RF设备进行交易，所述非RF设备与收单/发行商或支付处理器直接通信

70. 再颁专利

USRE45416E1 Processing an RF transaction using a routing number 有权
标题翻译：使用路由号码处理RF事务
公开(公告)号：USRE45416E1
公开(公告)日：2015-03-17
申请号：US13524685
申请日：2012-06-15
申请人： Fred Bishop , Peter D. Saunders
发明人： Fred Bishop , Peter D. Saunders
IPC分类号： H04L9/32 , H04B1/00
CPC分类号： G07C9/00111 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/20 , G06Q20/327 , G06Q20/3278 , G06Q20/382 , G06Q20/40 , G07C9/00119 , G07F7/1083
摘要： A system and method for securing a Radio Frequency (RF) transaction using a RF identification device transaction device is provided. The invention uses the routing number and customer identifying information associated with a transaction account to secure a RF transaction. Specifically, the customer identifying information is included in an encrypted payload that is provided to a merchant point-of-sale device in a unused field of the RF data transmission. The routing number is provided in the ordinary field location of the data transmission typically reserved for the transaction account number. Additionally, the encrypted payload is provided in the unused field of the data transmission. The routing number is used to locate the corresponding encryption key for validating the RF transaction device, the transaction account and/or customer identifying information without the need for the reader to encrypt the customer identifying information before providing a transaction request to an account issuer.
摘要翻译：提供了一种使用RF识别设备交易设备来确保射频（RF）交易的系统和方法。本发明使用与交易账户相关联的路由号码和客户识别信息来确保RF交易。具体地，客户识别信息被包括在提供给RF数据传输的未使用领域中的商户销售点设备的加密有效载荷中。在通常为交易帐号保留的数据传输的普通字段位置提供了路由号码。此外，加密的有效载荷被提供在数据传输的未使用的字段中。路由号码用于定位用于验证RF交易设备，交易账户和/或客户识别信息的相应加密密钥，而不需要读者在向帐户发行者提供交易请求之前加密客户识别信息。

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