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1. 发明申请

WO2014202261A1 DISPLAY CARD WITH USER INTERFACE 审中-公开
标题翻译：显示卡与用户界面
公开(公告)号：WO2014202261A1
公开(公告)日：2014-12-24
申请号：PCT/EP2014/058550
申请日：2014-04-28
申请人： MASTERCARD INTERNATIONAL INCORPORATED , RADU, Cristian , POCHIC, Sebastien , ATES, Fikret
发明人： RADU, Cristian , POCHIC, Sebastien , ATES, Fikret
IPC分类号： G07F7/08 , G06Q20/32
CPC分类号： G06K19/07701 , G06K19/073 , G06K19/07705 , G06K19/07707 , G06K19/07709 , G06Q20/3574 , G07F7/0806
摘要： A display card (301) with a user interface for providing one or more services. The card (301) comprises: an external interface (302, 303) for communication with a terminal external from the card (301); a Chip (401) comprising one or more servers for storing one or more applications, wherein the Chip (401) is arranged to communicate with the external interface (302, 303); a user interface (304, 305, 306) for interacting with a user of the card (301); a micro-terminal (402) for controlling the provision of one or more services, wherein the micro-terminal (402) is arranged to communicate with the user interface (304, 305, 306); and the Chip (401) and microterminal (402) are arranged to communicate with each other via an internal interface (403) of the Chip (401). Applications include payment cards and passes.
摘要翻译：一种具有用于提供一个或多个服务的用户界面的显示卡（301）。卡（301）包括：用于与从卡（301）外部的终端通信的外部接口（302,303）; 芯片（401）包括用于存储一个或多个应用的一个或多个服务器，其中所述芯片（401）被布置为与所述外部接口（302,303）通信; 用于与所述卡（301）的用户交互的用户界面（304,305,306）; 用于控制提供一个或多个服务的微终端（402），其中所述微终端（402）被布置为与所述用户界面（304,305,306）通信; 并且芯片（401）和微终端（402）被布置成经由芯片（401）的内部接口（403）彼此通信。应用程序包括支付卡和通行证。

2. 发明申请

WO2014076686A3 METHODS AND APPARATUS FOR CARD TRANSACTIONS 审中-公开
公开(公告)号：WO2014076686A3
公开(公告)日：2014-05-22
申请号：PCT/IB2013/060252
申请日：2013-11-19
申请人： MASTERCARD INTERNATIONAL INCORPORATED , RADU, Cristian
发明人： RADU, Cristian , ATES, Fikret , EKSELIUS, Lukas , POCHIC, Sebastien , LOURENCO, Fernando
IPC分类号： G06Q20/20 , G06Q20/32 , G07F7/08 , G06K19/077 , G06K7/00
摘要： A secure payment system comprises a merchant POS client and a remote POS server. The merchant POS client comprises a reading device for reading a customer user token and for accepting transaction details and customer verification data, and also a computing device with access to a communications network and in communication with the reading device. The merchant POS client also comprises a merchant token associated with the remote POS server. The remote POS server is in communication with the merchant POS client through the communications network, and one or more elements of the merchant POS client business logic are assured by the remote POS server and not the merchant POS client. A merchant token for use in such a merchant POS client is described, as is a suitable reader device, and a method of conducting a transaction using such a payment system.

3. 发明申请

WO2012037971A1 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：WO2012037971A1
公开(公告)日：2012-03-29
申请号：PCT/EP2010/063920
申请日：2010-09-21
申请人： MASTERCARD INTERNATIONAL INCORPORATED , MESTRÉ, Patrick , RADU, Cristian , ROBERTS, David A. , VAN DE VELDE, Edward L. H.
发明人： MESTRÉ, Patrick , RADU, Cristian , ROBERTS, David A. , VAN DE VELDE, Edward L. H.
IPC分类号： G06Q20/00 , G07F7/10
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在发行者认证数据中使用任何可用空间可以实现的更广泛和更广泛。

4. 发明申请

WO2010057209A1 SYSTEM AND METHOD FOR PERFORMING A REDEMPTION TRANSACTION ON A POINT OF SALE TERMINAL 审中-公开
标题翻译：在销售终端点执行赎回交易的系统和方法
公开(公告)号：WO2010057209A1
公开(公告)日：2010-05-20
申请号：PCT/US2009/064848
申请日：2009-11-17
申请人： MASTERCARD INTERNATIONAL INCORPORATED , ATES, Fikret , KOUFKOUF, Aziz , RADU, Cristian
发明人： ATES, Fikret , KOUFKOUF, Aziz , RADU, Cristian
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q30/02 , G06Q30/0215 , G06Q30/0227 , G06Q30/06
摘要： A method and system for performing a redemption transaction at a point-of sale terminal. The cardholder initiates the transaction using a redemption card. The terminal obtains a transaction amount, a private currency, and an exchange rate. The transaction amount is converted into a transaction amount miles equivalent using the exchange rate, and the transaction amount miles equivalent is compared against the balance of the redemption account associated with the redemption card. The terminal transmits a clearing record for further processing. The clearing record is received by a clearing server, which identifies a lodged card associated with the transaction. The clearing server computes a periodic aggregate amount comprising the aggregate transaction amount for all transactions associated with the lodged card and a particular merchant during that period. The clearing server triggers a single transaction towards an acquirer associated with the merchant for the periodic aggregate amount.
摘要翻译：一种用于在销售点终端执行兑换交易的方法和系统。持卡人使用兑换卡启动交易。终端获得交易金额，私人货币和汇率。使用汇率将交易金额转换为相当于交易金额的里程，并将交易金额里程相当于与兑换卡相关联的兑换账户的余额。终端发送清除记录进行进一步处理。结算记录由清算服务器接收，清算服务器标识与交易相关联的已提交的卡。清算服务器计算一个周期性总计金额，其中包括在该期间与所提交的卡和特定商家相关联的所有交易的总交易金额。结算服务器针对与商家相关联的收单方触发单个交易以获得周期性总量。

5. 发明申请

WO2010127012A1 APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR PROVIDING A QUALITY CONTROL MECHANISM FOR THE CONTACTLESS INTERFACE OF A DUAL-INTERFACE CARD 审中-公开
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：WO2010127012A1
公开(公告)日：2010-11-04
申请号：PCT/US2010/032778
申请日：2010-04-28
申请人： MASTERCARD INTERNATIONAL INCORPORATED , MESTRE, Patrick , RADU, Cristian
发明人： MESTRE, Patrick , RADU, Cristian
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。这些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。

6. 发明申请

WO2010127003A1 APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ENCODING ENHANCED ISSUER INFORMATION IN A CARD 审中-公开
标题翻译：用于编码卡中增强发行者信息的装置，方法和计算机程序产品
公开(公告)号：WO2010127003A1
公开(公告)日：2010-11-04
申请号：PCT/US2010/032769
申请日：2010-04-28
申请人： MASTERCARD INTERNATIONAL INCORPORATED , RADU, Cristian , MESTRE, Patrick , GARRETT, Duncan
发明人： RADU, Cristian , MESTRE, Patrick , GARRETT, Duncan
IPC分类号： G06Q20/00
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该个性化参数集被转换成第二组状态信息，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对应动作的订单的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。

7. 发明申请

WO2007143740A2 ALL-IN-ONE PROXIMITY PAYMENT DEVICE WITH LOCAL AUTHENTICATION 审中-公开
标题翻译：具有本地认证的一键式接近付款设备
公开(公告)号：WO2007143740A2
公开(公告)日：2007-12-13
申请号：PCT/US2007/070679
申请日：2007-06-08
申请人： MASTERCARD INTERNATIONAL INCORPORATED , FORAN-OWENS, Elizabeth, M. , WANKMUELLER, John , RADU, Cristian
发明人： FORAN-OWENS, Elizabeth, M. , WANKMUELLER, John , RADU, Cristian
IPC分类号： G06Q30/00
CPC分类号： G06Q20/352 , G06K5/00 , G06Q20/06 , G06Q20/0658 , G06Q20/18 , G06Q20/204 , G06Q20/3223 , G06Q20/341 , G06Q20/356 , G06Q20/367 , G06Q20/38215 , G06Q20/3823 , G06Q20/4012 , G06Q20/40145 , G06Q2220/00 , G07F7/0886 , G07F7/1008
摘要： A personal powered proximity payment device that can be owned by or issued to an individual user is provided. The device is a non-ISO card device that includes an internal dual-mode (contact and contactless) chip card coupled to a display and a robust PIN entry or biometric reading means. The device provides proximity payment functions, and optional proximity payment on/off and local pre- purchase account holder verification functions to the individual user.
摘要翻译：提供了可由个人用户拥有或发给个人用的接近支付设备。该设备是非ISO卡设备，其包括耦合到显示器的内部双模（接触式和非接触式）芯片卡以及鲁棒的PIN输入或生物识别读取装置。该设备提供接近支付功能，以及可选的接近支付开/关和本地预购账户持有者验证功能给个人用户。

8. 发明申请

WO2011056745A1 METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE 审中-公开
标题翻译：支付移动移动设备风险管理方法
公开(公告)号：WO2011056745A1
公开(公告)日：2011-05-12
申请号：PCT/US2010/054945
申请日：2010-11-01
申请人： MASTERCARD INTERNATIONAL, INC. , MESTRE, Patrick , RADU, Cristian , VANNESTE, Paul , PHILLIPS, Simon , CARTER, Ronald, D. , SMETS, Patrik
发明人： MESTRE, Patrick , RADU, Cristian , VANNESTE, Paul , PHILLIPS, Simon , CARTER, Ronald, D. , SMETS, Patrik
IPC分类号： G06Q30/00
CPC分类号： G06Q40/08 , G06Q20/3278 , G06Q30/00
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。

9. 发明申请

WO2009101531A2 SYSTEM AND METHOD FOR NETWORK RECOVERY FROM MULTIPLE LINK FAILURES 审中-公开
标题翻译：用于从多个链路故障中恢复网络的系统和方法
公开(公告)号：WO2009101531A2
公开(公告)日：2009-08-20
申请号：PCT/IB2009/000354
申请日：2009-02-25
申请人： ALLIED TELESIS HOLDINGS KABUSHIKI KAISHA , ALLIED TELESIS, INC. , THOMSON, Graeme , RADU, Cristian , RIDDELL, Andrew , WEI, Frank
发明人： THOMSON, Graeme , RADU, Cristian , RIDDELL, Andrew , WEI, Frank
IPC分类号： H04L12/24
CPC分类号： H04L43/10 , H04L12/437 , H04L12/462 , H04L41/0654
摘要： Methods and systems for fast and reliable network recovery from multiple link failures. In accordance with one example of the method, a master node receives a request from a transit node having a blocked port to open the blocked port for data forwarding, wherein the blocked port is associated with a restored link. The master node starts a health-check timer and transmits a health-check message on its primary port to determine that all failed links of the network are restored. Upon determining that the health-check message is received at its secondary port, the master node transmits a message to each transit node indicating that all failed links are restored. Upon determining that the health-check message is not received at its secondary port before the health-check timer lapsed, the master node transmits a message to the transit node to open the blocked port associated with the restored link for data forwarding.
摘要翻译：
用于从多个链路故障快速可靠地进行网络恢复的方法和系统。根据该方法的一个示例，主节点从具有阻塞端口的传输节点接收请求以打开用于数据转发的阻塞端口，其中阻塞端口与恢复链路相关联。主节点启动健康状况检查定时器，并在其主端口上发送运行状况检查消息，以确定网络的所有故障链路都已恢复。在确定在其次端口处接收到健康检查消息时，主节点向每个传输节点传送指示所有失败的链路都恢复的消息。在确定在健康检查计时器流逝之前没有在其次端口接收健康检查消息之后，主节点向传输节点发送消息以打开与恢复的链路相关联的阻塞的端口以用于数据转发。

10. 发明申请

WO2010051276A1 SYSTEMS AND METHODS FOR ENROLLMENT AND PARTICIPATION IN A LOYALTY PROGRAM 审中-公开
标题翻译：用于在LOYALTY程序中加入和参与的系统和方法
公开(公告)号：WO2010051276A1
公开(公告)日：2010-05-06
申请号：PCT/US2009/062208
申请日：2009-10-27
申请人： MASTERCARD INTERNATIONAL, INC. , RADU, Cristian , ATES, Fikret , LANDEQUIST, Jan , WARD, Ainsley Charles , VAN SWEEVELT, Steven , GROSSMAN, David , KOUFKOUF, Aziz
发明人： RADU, Cristian , ATES, Fikret , LANDEQUIST, Jan , WARD, Ainsley Charles , VAN SWEEVELT, Steven , GROSSMAN, David , KOUFKOUF, Aziz
IPC分类号： G06Q30/00
CPC分类号： G06Q20/341 , G06Q20/20 , G06Q20/387 , G06Q30/02 , G06Q30/0229 , G06Q30/0236
摘要： According to some embodiments, systems, methods, apparatus, computer program code and means are provided for enrolling payment cardholders in loyalty programs and processing loyalty transactions. Some embodiments include receiving, from a consumer associated with a payment device, loyalty program enrollment information and a payment device identifier, the loyalty program enrollment information including a loyalty program identifier, and providing the loyalty program enrollment information and the payment device identifier to at least one of an issuer of the payment device and an agent of the issuer. The loyalty program identifier is caused to be stored in a memory of said payment device.
摘要翻译：根据一些实施例，提供系统，方法，装置，计算机程序代码和装置，用于在支付方案中注册支付持卡人并处理忠诚度交易。一些实施例包括从与支付设备相关联的消费者接收忠诚度计划注册信息和支付设备标识符，所述忠诚度计划注册信息包括忠诚度计划标识符，并且将忠诚度计划注册信息和支付设备标识符提供给至少支付设备的发行者和发行人的代理人之一。使忠诚度程序标识符存储在所述支付装置的存储器中。

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