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1. 发明申请

US20170161723A1 DEVICE, SYSTEM AND METHOD FOR REDUCING AN INTERACTION TIME FOR A CONTACTLESS TRANSACTION 审中-公开
公开(公告)号：US20170161723A1
公开(公告)日：2017-06-08
申请号：US15441127
申请日：2017-02-23
申请人： Trudy Hill , Jagdeep Singh Sahota , Christian Aabye , Kim R. Wagner , Anita Ochieano , Carole Oppenlander , William Chi Yuen Chan , Craig Allen Glendenning
发明人： Trudy Hill , Jagdeep Singh Sahota , Christian Aabye , Kim R. Wagner , Anita Ochieano , Carole Oppenlander , William Chi Yuen Chan , Craig Allen Glendenning
IPC分类号： G06Q20/34 , G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/352 , G06K7/0008 , G06Q20/04 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/3825 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q20/409 , G06Q30/06 , G07F7/0826 , G07F7/088 , G07F7/1008 , G07F7/1016
摘要： Methods, devices, and systems are described for sending and receiving messages between a terminal reader and a payment device, such as a credit card. A dynamic signature is calculated on the payment device from an application transaction counter, a terminal unpredictable number, and a transaction amount, and it is sent with an application the locator (AFL) to the reader. The reader then sends a read record command to the payment device to get records associated with the AFL, among other normal processing. While the, normal processing is occurring for the transaction, the dynamic signature can be recalculated and compared with that from the payment device in order to assure that nothing has surreptitiously changed the values in the messages.

2. 发明申请

US20110000962A1 Transit Access System and Method Including Device Authentication 有权
标题翻译：包括设备认证的运输接入系统和方法
公开(公告)号：US20110000962A1
公开(公告)日：2011-01-06
申请号：US12817996
申请日：2010-06-17
申请人： William Chi Yuen Chan , Kong Boon Ng
发明人： William Chi Yuen Chan , Kong Boon Ng
IPC分类号： G06F17/00
CPC分类号： G06Q20/327 , G06Q20/20 , G06Q20/22 , G06Q20/3278 , G06Q20/352 , G06Q20/40 , G06Q20/4016 , G06Q50/30 , G07B15/00
摘要： A system, apparatus, and method for enabling effective use of a contactless payment device in a transit system. The invention may be implemented in a manner that separates the authentication process from the pre-authorization process, thereby permitting a transit system patron to access and begin use of the transit system prior to authorization of the transaction by the issuer of the device.
摘要翻译：一种用于能够有效地使用传送系统中的非接触式支付装置的系统，装置和方法。本发明可以以将认证过程与预授权过程分开的方式来实现，从而允许中转系统顾客在设备的发行者授权交易之前访问和开始使用交通系统。

3. 发明申请

US20100270374A1 DEVICE, SYSTEM AND METHOD FOR REDUCING AN INTERACTION TIME FOR A CONTACTLESS TRANSACTION 有权
标题翻译：用于减少接触交易的交互时间的装置，系统和方法
公开(公告)号：US20100270374A1
公开(公告)日：2010-10-28
申请号：US12831114
申请日：2010-07-06
申请人： Trudy Hill , Jagdeep Singh Sahota , Christian Aabye , Kim Wagner , Anita Ochieano , Carole Oppenlander , William Chi Yuen Chan , Craig Allen Glendenning
发明人： Trudy Hill , Jagdeep Singh Sahota , Christian Aabye , Kim Wagner , Anita Ochieano , Carole Oppenlander , William Chi Yuen Chan , Craig Allen Glendenning
IPC分类号： G06K17/00
CPC分类号： G06Q20/352 , G06K7/0008 , G06Q20/04 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/3825 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q20/409 , G06Q30/06 , G07F7/0826 , G07F7/088 , G07F7/1008 , G07F7/1016
摘要： A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card to authorizing the contactless transaction.
摘要翻译：一个方法。该方法包括在读取器处执行至少一个基于事务的风险管理过程，然后激励非接触式接口，发起与用于非接触式交易的卡的通信，接收与该卡相关联的信息，以及终止与卡的通信授权非接触式交易。

4. 发明申请

US20150073883A1 TRANSIT ACCESS SYSTEM AND METHOD INCLUDING DEVICE AUTHENTICATION 审中-公开
标题翻译：过境访问系统及包括设备认证的方法
公开(公告)号：US20150073883A1
公开(公告)日：2015-03-12
申请号：US14543412
申请日：2014-11-17
申请人： William Chi Yuen Chan , Kong Boon Ng
发明人： William Chi Yuen Chan , Kong Boon Ng
IPC分类号： G06Q20/32 , G06Q50/30 , G06Q20/40
CPC分类号： G06Q20/327 , G06Q20/20 , G06Q20/22 , G06Q20/3278 , G06Q20/352 , G06Q20/40 , G06Q20/4016 , G06Q50/30 , G07B15/00
摘要： A system, apparatus, and method for enabling effective use of a contactless payment device in a transit system. The invention may be implemented in a manner that separates the authentication process from the pre-authorization process, thereby permitting a transit system patron to access and begin use of the transit system prior to authorization of the transaction by the issuer of the device.
摘要翻译：一种用于能够有效地使用传送系统中的非接触式支付装置的系统，装置和方法。本发明可以以将认证过程与预授权过程分开的方式来实现，从而允许中转系统顾客在设备的发行者授权交易之前访问和开始使用交通系统。

5. 发明授权

US08915431B2 Transit access system and method including device authentication 有权
标题翻译：运输接入系统及方法包括设备认证
公开(公告)号：US08915431B2
公开(公告)日：2014-12-23
申请号：US12817996
申请日：2010-06-17
申请人： William Chi Yuen Chan , Kong Boon Ng
发明人： William Chi Yuen Chan , Kong Boon Ng
IPC分类号： G07B15/02 , G06Q20/20 , G06Q20/32 , G06Q20/40 , G06Q20/22 , G06Q20/34 , G07B15/00
CPC分类号： G06Q20/327 , G06Q20/20 , G06Q20/22 , G06Q20/3278 , G06Q20/352 , G06Q20/40 , G06Q20/4016 , G06Q50/30 , G07B15/00
摘要： A system, apparatus, and method for enabling effective use of a contactless payment device in a transit system. The invention may be implemented in a manner that separates the authentication process from the pre-authorization process, thereby permitting a transit system patron to access and begin use of the transit system prior to authorization of the transaction by the issuer of the device.
摘要翻译：一种用于能够有效地使用传送系统中的非接触式支付装置的系统，装置和方法。本发明可以以将认证过程与预授权过程分开的方式来实现，从而允许中转系统顾客在设备的发行者授权交易之前访问和开始使用交通系统。

6. 发明授权

US08770476B2 Device, system and method for reducing an interaction time for a contactless transaction 有权
标题翻译：用于减少非接触式交易的交互时间的设备，系统和方法
公开(公告)号：US08770476B2
公开(公告)日：2014-07-08
申请号：US12831114
申请日：2010-07-06
申请人： Trudy Hill , Jagdeep Singh Sahota , Christian Aabye , Kim R. Wagner , Anita Ochieano , Carole Oppenlander , William Chi Yuen Chan , Craig Allen Glendenning
发明人： Trudy Hill , Jagdeep Singh Sahota , Christian Aabye , Kim R. Wagner , Anita Ochieano , Carole Oppenlander , William Chi Yuen Chan , Craig Allen Glendenning
IPC分类号： G06K5/00
CPC分类号： G06Q20/352 , G06K7/0008 , G06Q20/04 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/3825 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q20/409 , G06Q30/06 , G07F7/0826 , G07F7/088 , G07F7/1008 , G07F7/1016
摘要： A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card to authorizing the contactless transaction.
摘要翻译：一个方法。该方法包括在读取器处执行至少一个基于事务的风险管理过程，然后激励非接触式接口，发起与用于非接触式交易的卡的通信，接收与该卡相关联的信息，以及终止与卡的通信授权非接触式交易。

7. 发明申请

US20130138561A1 METHOD AND SYSTEM FOR CROSS-BORDER STORED VALUE PAYMENT 审中-公开
标题翻译：跨境存储价值付款的方法和系统
公开(公告)号：US20130138561A1
公开(公告)日：2013-05-30
申请号：US13307481
申请日：2011-11-30
申请人： William Chi Yuen Chan
发明人： William Chi Yuen Chan
IPC分类号： G06Q40/00 , G06F15/16
CPC分类号： G06Q20/3278 , G06Q20/381 , G06Q30/04
摘要： Methods and systems for provisioning data to a mobile device operable as a contactless payment device, the data including currency location data; receiving a notification that the mobile device is operating in a second currency location; and sending updated currency location data to the mobile device based on the second currency location. Some methods and systems include receiving, at a mobile device operable as a contactless payment device, currency location data associated with a first currency location; receiving updated currency location data associated with a second currency location by the mobile device located at the second currency location; and updating values for currency location data parameters of the mobile device based on the updated currency location data.
摘要翻译：用于向可操作为非接触支付设备的移动设备提供数据的方法和系统，所述数据包括货币位置数据; 接收移动设备在第二货币位置中操作的通知; 以及基于所述第二货币位置向所述移动设备发送更新的货币位置数据。一些方法和系统包括在可操作为非接触式支付设备的移动设备处接收与第一货币位置相关联的货币位置数据; 由位于第二货币位置处的移动设备接收与第二货币位置相关联的更新的货币位置数据; 以及基于所更新的货币位置数据来更新所述移动设备的货币位置数据参数的值。

8. 发明授权

US07798394B2 Device, system and method for reducing an interaction time for a contactless transaction 有权
标题翻译：用于减少非接触式交易的交互时间的设备，系统和方法
公开(公告)号：US07798394B2
公开(公告)日：2010-09-21
申请号：US11536307
申请日：2006-09-28
申请人： Trudy Hill , Jagdeep Singh Sahota , Kim Wagner , Christian Aabye , Anita Ochieano , Carole Oppenlander , William Chi Yuen Chan , Craig Allen Glendenning
发明人： Trudy Hill , Jagdeep Singh Sahota , Kim Wagner , Christian Aabye , Anita Ochieano , Carole Oppenlander , William Chi Yuen Chan , Craig Allen Glendenning
IPC分类号： G06K17/00
CPC分类号： G06Q20/352 , G06K7/0008 , G06Q20/04 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/3825 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q20/409 , G06Q30/06 , G07F7/0826 , G07F7/088 , G07F7/1008 , G07F7/1016
摘要： A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card to authorizing the contactless transaction.
摘要翻译：一个方法。该方法包括在读取器处执行至少一个基于事务的风险管理过程，然后激励非接触式接口，发起与用于非接触式交易的卡的通信，接收与该卡相关联的信息，以及终止与卡的通信授权非接触式交易。

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