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71. 发明申请

WO2008094328A2 SIGNATURE BASED NEGATIVE LIST FOR OFF LINE PAYMENT DEVICE VALIDATION 审中-公开
标题翻译：基于签名的负面清单，用于离线付款设备验证
公开(公告)号：WO2008094328A2
公开(公告)日：2008-08-07
申请号：PCT/US2007082903
申请日：2007-10-29
申请人： VISA USA INC , DIXON PHIL , HAMMAD AYMAN A , THAW WILLIAM ALEXANDER , AABYE CHRISTIAN
发明人： DIXON PHIL , HAMMAD AYMAN A , THAW WILLIAM ALEXANDER , AABYE CHRISTIAN
IPC分类号： G06Q20/14 , G06Q20/36 , G07B15/02
CPC分类号： G06Q20/4016 , G06Q20/027 , G06Q20/04 , G06Q20/085 , G06Q20/0855 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q20/3821 , G06Q20/40 , G06Q20/401 , G07B15/00
摘要： At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.
摘要翻译：在多个交通系统的多个过境读取器中的每一个上，对于多个骑手中的每一个，其中每个骑手寻求通过使用由发行者发行的支付装置进行与中转系统的访问交易支付系统，从支付设备读取数据。数据包括唯一对应于支付设备并由发行者使用一个或多个加密密钥和预定算法创建的加密代码。远程和/或本地执行一个或多个其他加密代码列表的检查，以确定加密代码是否在列表中。根据加密代码是否在列表中，骑手被允许访问中转系统的设施。付款设备不需要更改为骑手的票价。从支付设备读取的加密代码的解密不需要完成访问事务。

72. 发明申请

WO2008091079A1 CONTACTLESS MANAGEMENT BETWEEN A SMART CARD AND MOBILE TERMINAL 审中-公开
标题翻译：智能卡和移动终端之间的联系管理
公开(公告)号：WO2008091079A1
公开(公告)日：2008-07-31
申请号：PCT/KR2008/000337
申请日：2008-01-18
申请人： LG ELECTRONICS INC. , JOLIVET, Paul
发明人： JOLIVET, Paul
IPC分类号： H04B1/40
CPC分类号： G06K7/0008 , G06K19/07741 , G06Q20/20 , G06Q20/322 , G06Q20/3227 , G06Q20/327 , H02J7/025 , H04B5/02 , H04W4/60 , H04W4/80 , H04W92/08 , Y02T90/122
摘要： Certain existing commands, such as USAT/SAT/CAT commands, are modified to allow management of various types of contactless applications to be performed. Such commands are exchanged via a communication bus between a secure element and a contactless function (CLF) module to support a contactless service. The secure element may be a type of smart card and the external device may be an access gateway for transportation, a point-of-sale (PoS) terminal, or some other application for the user.
摘要翻译：修改某些现有的命令，如USAT / SAT / CAT命令，以便管理要执行的各种类型的非接触式应用程序。这样的命令通过安全元件和非接触式功能（CLF）模块之间的通信总线进行交换，以支持非接触式服务。安全元件可以是一种智能卡，并且外部设备可以是用于运输的接入网关，销售点（PoS）终端或用户的一些其他应用。

73. 发明申请

WO2008082850A1 CONTACTLESS PAYMENT SELECTION CRITERIA BASED ON FINANCIAL ACCOUNT STATUS 审中-公开
标题翻译：基于财务账户状态的无偿支付选择标准
公开(公告)号：WO2008082850A1
公开(公告)日：2008-07-10
申请号：PCT/US2007/086759
申请日：2007-12-07
申请人： MOTOROLA, INC. , FERNANDEZ, Juan, C. , EATON, Eric, T.
发明人： FERNANDEZ, Juan, C. , EATON, Eric, T.
IPC分类号： G06Q20/00
CPC分类号： G06Q20/327 , G06Q20/10 , G06Q20/20 , G06Q20/32 , G06Q20/3224
摘要： A method (300) of selecting a financial account to be used to make a contactless payment. The method can include, during a payment transaction at a point-of-sale terminal (110), selecting at least one financial account having associated financial information, the financial account selected from a plurality of available financial accounts. Contactless payment for the purchase can be made using the selected financial account. The method further can include identifying a type of purchase being made during the payment transaction. In such an arrangement, selecting the financial account can include selecting the financial account having associated financial information that best matches user preferences established for the identified type of purchase.
摘要翻译：一种选择用于进行非接触式支付的金融账户的方法（300）。该方法可以包括在销售点终端（110）的支付交易期间，选择具有相关联的财务信息的至少一个金融账户，从多个可用的金融账户中选择的金融账户。可以使用所选的财务帐户进行购买的非接触式付款。该方法还可以包括识别在支付交易期间正在进行的购买类型。在这样的安排中，选择财务帐户可以包括选择具有与所识别的购买类型建立的用户偏好最匹配的相关联的财务信息的财务帐户。

74. 发明申请

WO2008067153A2 METHOD AND SYSTEM FOR DETECTING AN END OF TRANSACTION FOR CONTACTLESS TRANSACTIONS ON A MOBILE DEVICE 审中-公开
标题翻译：检测移动设备上的无关交易交易结束的方法和系统
公开(公告)号：WO2008067153A2
公开(公告)日：2008-06-05
申请号：PCT/US2007084495
申请日：2007-11-13
申请人： MOTOROLA INC , BUHOT THOMAS
发明人： BUHOT THOMAS
CPC分类号： G06Q20/327 , G06Q20/32 , G06Q20/3278 , G06Q20/341 , G07F7/0886 , G07F7/1008
摘要： A system (100) and method (200) for NFC/UICC and NFC/RFID contactless transaction validation suitable for use in a mobile device (110) is provided. The system can include a Near Field Communication (NFC) modem (140), a NFC Universal Integrated Circuit Card (NFC-UICC) (130), and an application processor (120) for informing the mobile device of an end of transaction in the contactless data transaction. The NFC-UICC can detect the end of transaction from the NFC modem via state transitions and informs the application processor via a status word that an end of transaction for the contactless data transaction has been confirmed. The system can include an NFC application (132) for monitoring data communication and an NFC-UICC toolkit application (136) for providing proactive command support to the mobile device and providing notification through the status word.
摘要翻译：提供了适用于移动设备（110）的NFC / UICC和NFC / RFID非接触式交易验证的系统（100）和方法（200）。该系统可以包括近场通信（NFC）调制解调器（140），NFC通用集成电路卡（NFC-UICC）（130）和应用处理器（120），用于向移动设备通知交易结束非接触式数据交易。 NFC-UICC可以通过状态转换检测来自NFC调制解调器的交易结束，并通过已经确认非接触式数据交易的交易结束的状态字通知应用处理器。该系统可以包括用于监视数据通信的NFC应用程序（132）和用于向移动设备提供主动命令支持并通过状态字提供通知的NFC-UICC工具包应用程序（136）。

75. 发明申请

WO2008050312A2 A SELF-DISPLAY RFID TAG DEVICE WITH A DISPLAY UNIT OR BLUETOOTH TECHNOLOGY 审中-公开
标题翻译：具有显示单元或蓝牙技术的自我显示RFID标签设备
公开(公告)号：WO2008050312A2
公开(公告)日：2008-05-02
申请号：PCT/IB2008/000236
申请日：2008-02-04
申请人： AL AMRI, Moosa Eisa
发明人： AL AMRI, Moosa Eisa
CPC分类号： G06Q20/327 , G06F21/81 , G06K19/07 , G06K19/0704 , G06K19/07703 , G06Q20/32 , G06Q20/3278 , G06Q20/341 , G06Q20/353 , G07F7/0886 , G07F7/1008
摘要： A Radio Frequency Identification (RFID) tag device, comprises a RFID storage chip (10) and its antenna (11) mounted on a support (16), and a photoelectric cell (15) or another power source mounted on the support (16) and connected to the storage chip (10) to energize the storage chip. Data from the storage chip (10) is arranged to be displayed, via a processor (17) that converts the output signal from the storage chip into an input signal for the display, on a display that is an internal display (12) incorporated on said support (16) of the RFID tag device or is an external display incorporated in a mobile or fixed external unit excluding dedicated RFID readers and dedicated RFID reader/writers. The external unit - for example a mobile phone (21) - is configured for radiofrequency transmission according to Bluetooth protocol. The power source (15) powers via the processor (17) the transmission of data from the storage chip (10) to be displayed on a flexible or hard internal display (12) or activates via the processor (17) a radiofrequency transmission according to Bluetooth protocol to transmit data to be displayed on the external display.
摘要翻译：一种射频识别（RFID）标签装置，包括安装在支撑体（16）上的RFID存储芯片（10）及其天线（11），以及安装在支撑体（16）上的光电池（15）或其他电源，并连接到存储芯片（10）以对存储芯片通电。来自存储芯片（10）的数据被布置成经由处理器（17）来显示，处理器（17）将显示器作为内部显示器（12）的显示器转换成来自存储芯片的输出信号，用于显示器的输入信号所述RFID标签装置的支撑件（16）或者是外部显示器，其结合在移动或固定的外部单元中，不包括专用RFID读取器和专用RFID读取器/写入器。外部单元 - 例如移动电话（21） - 被配置为根据蓝牙协议的射频传输。电源（15）经由处理器（17）从存储芯片（10）传输数据以在柔性或硬内部显示器（12）上显示或通过处理器（17）激活根据以下的射频传输：蓝牙协议传输要显示在外部显示器上的数据。

76. 发明申请

WO2008039796A2 MOBILE TRANSIT FARE PAYMENT 审中-公开
标题翻译：手机支付
公开(公告)号：WO2008039796A2
公开(公告)日：2008-04-03
申请号：PCT/US2007/079453
申请日：2007-09-25
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE CORPORATION , HAMMAD, Ayman , DIXON, Phil
发明人： HAMMAD, Ayman , DIXON, Phil
IPC分类号： G06K19/06
CPC分类号： G06Q20/32 , G06Q20/045 , G06Q20/322 , G06Q20/327 , G06Q20/3278 , G07B15/00 , G07B15/02 , G07F17/0014
摘要： A system, apparatus, and method for facilitating the payment and collection of transit system fares using a mobile device. The inventive system utilizes a contactless element embedded within a mobile wireless device, such as a mobile phone, PDA, or the like. The smart element is integrated with the circuitry of the mobile device to permit the data to be accessed and manipulated (e.g., read, written, erased) using the wireless communications network as the data transport channel. The data required to enable a user to access a transit system and for the system to conduct fare calculations may be provided to the memory in the contactless element using the wireless network. Such data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use).
摘要翻译：一种用于使用移动设备便利支付和收集过境系统票价的系统，装置和方法。本发明的系统利用嵌入在诸如移动电话，PDA等的移动无线设备内的非接触元件。智能元件与移动设备的电路集成，以允许使用无线通信网络作为数据传输信道来访问和操纵（例如，读取，写入，擦除）数据。可以使用无线网络将使用户访问交通系统和系统进行票价计算所需的数据提供给非接触元件中的存储器。这样的数据可以包括访问控制数据（密钥，密码，识别数据）或票价计算所需的数据（费率，系统使用的历史数据）。

77. 发明申请

WO2008004755A1 RFID-BASED FUEL CHARGE PAYMENT SYSTEM AND PAYMENT METHOD USING THE SAME 审中-公开
标题翻译：基于RFID的燃料充电支付系统和使用该方法的付款方法
公开(公告)号：WO2008004755A1
公开(公告)日：2008-01-10
申请号：PCT/KR2007/002299
申请日：2007-05-10
申请人： JASON R & D CO., LTD. , KIM, Sukil
发明人： KIM, Sukil
IPC分类号： G06F19/00
CPC分类号： G06Q20/327 , G06Q20/20 , G06Q20/342 , G07F7/025 , G07F13/025
摘要： Disclosed herein are a radio frequency identification (RFID) -based fuel charge payment system and payment method using the same which are capable of improving rapidity, accuracy and convenience of payment by attaching a RFID tag for storing personal identification to a customer's vehicle, reading the personal identification, and performing a payment service in real time based on read information. The RFID-based fuel charge payment system includes an RFID tag which is attached to a customer's vehicle, for reacting at a specific frequency signal; an RFID reader for reading personal identification stored in the RFID tag; a fueling POS system which includes a display unit and an authentication terminal for allowing the customer to input password; a intermediate service server for making a request for customer authentication and payment; and a payment server for making a payment according to the authentication result.
摘要翻译：这里公开的是基于射频识别（RFID）的燃料充电支付系统和使用该方法的支付方法，其能够通过将用于存储个人识别的RFID标签附接到客户车辆来改善快速性，准确性和便利性，读取个人识别，并根据阅读信息实时执行支付服务。基于RFID的燃料充电支付系统包括附接到客户车辆的RFID标签，用于以特定频率信号反应; 用于读取存储在RFID标签中的个人识别的RFID读取器; 加油POS系统，其包括显示单元和用于允许客户输入密码的认证终端; 用于提出客户认证和付款请求的中间服务服务器; 以及用于根据认证结果进行支付的支付服务器。

78. 发明申请

WO2005060537A3 METHODS AND SYSTEMS FOR ELECTROMAGNETIC INITIATION OF SECURE TRANSACTIONS 审中-公开
标题翻译：电气安全交易电磁辐射的方法与系统
公开(公告)号：WO2005060537A3
公开(公告)日：2007-11-22
申请号：PCT/US2004039945
申请日：2004-11-29
申请人： FIRST DATA CORP , KEAN BRIAN T
发明人： KEAN BRIAN T
IPC分类号： G06Q99/00 , G07F7/10
CPC分类号： G06Q20/327 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q30/0238 , G07F7/1016
摘要： Methods and systems are provided for processing secure transactions. An electromagnetic transmission packet is received from a portable device at a processing device. The electromagnetic transmission packet includes an encrypted magnetic-stripe image and an encrypted version of an alphanumerical identifier. A keyed nonencrypted version of the alphanumerical identifier is received at the processing device, and the encrypted version of the alphanumerical identifier is decrypted. The decryption of the encrypted version of the alphanumerical identifier is compared with the nonencrypted version of the alphanumerical identifier. Thereafter, a decryption of the encrypted magnetic-stripe image is transmitted to a host system for processing the secure transaction using an account identified by the decryption of the magnetic-stripe image.
摘要翻译：提供了用于处理安全事务的方法和系统。在处理装置处从便携式设备接收电磁传输分组。电磁传输分组包括加密的磁条图像和字母数字标识符的加密版本。在处理设备处接收字母数字标识符的密钥非加密版本，并解密加密版本的字母数字标识符。将加密版本的字母数字标识符的解密与字母数字标识符的非加密版本进行比较。此后，将加密的磁条图像的解密发送到主机系统，以使用由磁条图像的解密识别的帐户处理安全交易。

79. 发明申请

WO2007098259A2 SYSTEM, METHOD AND APPARATUS FOR ENABLING TRANSACTIONS USING A USER ENABLED PROGRAMMABLE MAGNETIC STRIPE 审中-公开
标题翻译：使用用户启用的可编程磁条进行交易的系统，方法和装置
公开(公告)号：WO2007098259A2
公开(公告)日：2007-08-30
申请号：PCT/US2007/004756
申请日：2007-02-21
申请人： RAMPART-ID SYSTEMS, INC. , DOUGHTY, Ralph, O. , ANTAKI, Patrick, R. , WEISS, Kenneth, P.
发明人： DOUGHTY, Ralph, O. , ANTAKI, Patrick, R. , WEISS, Kenneth, P.
IPC分类号： H04K1/00
CPC分类号： G07C9/00079 , G06Q20/327 , G06Q20/341 , G06Q20/347 , G06Q20/4014 , G06Q20/40145 , G07C9/00087 , G07C2009/00095 , G07F7/10 , G07F7/1008 , G07F7/1075 , H04L9/3231 , H04L2209/805
摘要： The present invention provides a system, method and apparatus that includes a user device having a magnetic field generator disposed within a substrate that is normally inactive, an initiator mounted on the substrate, a memory disposed within the substrate and a processor disposed within the substrate that is communicably coupled to the magnetic field generator, the initiator and the memory. The processor is operable to process information received from the initiator, generate a time varying code in response to the received information and activate the magnetic field generator. A power source is also disposed within the substrate. The magnetic field generator can create a spatial magnetic signal using a magnetic stripe and one or more induction coils, or create a time-varying magnetic signal for emulating data obtained from swiping a traditional magnetic stripe card through a magnetic card reader.
摘要翻译：本发明提供了一种系统，方法和装置，其包括用户设备，该用户设备具有设置在正常无效的基板内的磁场发生器，安装在基板上的启动器，设置在基板内的存储器和设置在该基板内的处理器，可通信地耦合到磁场发生器，启动器和存储器。处理器可操作以处理从发起者接收到的信息，响应于所接收的信息产生时变码并激活磁场发生器。电源也设置在基板内。磁场发生器可以使用磁条和一个或多个感应线圈产生空间磁信号，或产生时变磁信号，用于仿真通过磁卡阅读器扫描传统磁条卡获得的数据。

80. 发明申请

WO2007048976A3 METHOD AND DEVICE FOR JUSTIFYING A MONETARY TRANSACTION 审中-公开
标题翻译：用于判断金融交易的方法和装置
公开(公告)号：WO2007048976A3
公开(公告)日：2007-08-02
申请号：PCT/FR2006051106
申请日：2006-10-25
申请人： CUSTOMER PRODUCT RELATIONSHIP , EONNET LOIC , EONNET YVES
发明人： EONNET LOIC , EONNET YVES
IPC分类号： G06Q20/00
CPC分类号： G06Q20/327 , G06Q20/32 , G06Q20/322
摘要： The invention concerns a device (1) for justifying a monetary transaction comprising: means (40, 40', 40") for short-range transmission of a data (DM) representing an amount of said transaction, to a personal equipment (2) located proximate said device, said personal equipment (2) being adapted to send said data (DM) to a trusted server (100), via a mobile telecommunication network (R1); means (60) for short-range reception, adapted to receive, via said personal equipment (2), an encrypted message (M4) from the trusted server (100); and means (10) for decrypting said message (M4) and, if required, for extracting from the message (M4) a voucher of a monetary transaction corresponding to the amount.
摘要翻译：本发明涉及一种用于证明货币交易的装置（1），包括：用于向个人设备（2）短距离传输表示所述交易量的数据（DM）的装置（40,40'，40“），，所述个人设备（2）适于经由移动电信网络（R1）将所述数据（DM）发送到可信服务器（100）;用于短距接收的装置（60），适于接收，经由所述个人设备（2）接收来自所述可信服务器（100）的加密消息（M4）;以及用于解密所述消息（M4）并且如果需要，用于从所述消息（M4）提取凭证与金额相对应的货币交易。

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