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1. 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。

2. 发明申请

WO2006019990A2 CONTACTLESS PAYMENT CARD READER WITH A FRUSTO-CONICAL OPERATING VOLUME 审中-公开
标题翻译：非接触式付费读卡器，带有锥形操作音量
公开(公告)号：WO2006019990A2
公开(公告)日：2006-02-23
申请号：PCT/US2005/025110
申请日：2005-07-15
申请人： MASTERCARD INTERNATIONAL INCORPORATED , SMETS, Patrik , VAN DE VELDE, Eddy, Lodewijk, Hortensia , GARRETT, Duncan
发明人： SMETS, Patrik , VAN DE VELDE, Eddy, Lodewijk, Hortensia , GARRETT, Duncan
IPC分类号： G06K7/08 , G06K19/06 , G06K5/00
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： A contactless payment card reader has a frusto-conical operating volume. The frusto-conical shaped operating volume has defined magnetic field strengths for powering and communicating with proximity payment cards. The reader can serve as a reference reader, which is representative of product readers deployed in contactless payment card systems, to test product contactless payment cards under conditions that simulate field use of the cards.
摘要翻译：
非接触式支付卡阅读器具有截锥形操作音量。截头圆锥形的操作体积具有限定的磁场强度，用于为接近支付卡供电和通信。读卡器可以作为参考读卡器，代表部署在非接触式支付卡系统中的产品读卡器，在模拟现场使用卡的条件下测试产品非接触式支付卡。

3. 发明申请

WO2006019989A3 REFERENCE EQUIPMENT FOR TESTING CONTACTLESS PAYMENT DEVICES 审中-公开
公开(公告)号：WO2006019989A3
公开(公告)日：2006-02-23
申请号：PCT/US2005/025107
申请日：2005-07-15
申请人： MASTERCARD INTERNATIONAL INCORPORATED , SMETS, Patrik , VAN DE VELDE, Eddy Lodewijk Hortensia , GARRETT, Duncan
发明人： SMETS, Patrik , VAN DE VELDE, Eddy Lodewijk Hortensia , GARRETT, Duncan
IPC分类号： G06K19/00 , G06K19/06
摘要： Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment is designed to simulate the external behavior of a variety of payment devices that are currently or expected to be deployed in electronic payment systems. Further, the reference equipment is configured to subject devices under test to extreme behaviors which are expected in field use or which are representative of a large class of payment devices. The external behaviors may relate to functional parameters, for example, power consumption, resonance frequency, Q-factor, modulation depth, noise, and timing. Exemplary reference devices are configured to exhibit representative external behavior, which is an empirically determined average behavior of the product devices in the field. Use of the reference equipment for product specification compliance testing will enhance the interoperability of product payment devices.

4. 发明申请

WO2006020144A2 COLLISION DETECTION AND AVOIDANCE SCHEME FOR CONTACTLESS CARD PAYMENT SYSTEMS 审中-公开
标题翻译：碰撞支付系统的碰撞检测和避免方案
公开(公告)号：WO2006020144A2
公开(公告)日：2006-02-23
申请号：PCT/US2005/025317
申请日：2005-07-15
申请人： MASTERCARD INTERNATIONAL INCORPORATED , SMETS, Patrik , VAN DE VELDE, Eddy, Lodewijk, Hortensia , GARRETT, Duncan
发明人： SMETS, Patrik , VAN DE VELDE, Eddy, Lodewijk, Hortensia , GARRETT, Duncan
IPC分类号： G06K7/08 , G06K19/06 , G06K5/00
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： An electronic payment system for conducting transactions by presenting a contactless payment card to a card reader. The card reader is configured to process transactions when only one card is present in its operating field, The card reader uses collision detection and avoidance algorithms to detect and report instances where multiple cards are present in the operating field. In response to a reported collision, the collision may be cleared by manual intervention, i.e., by physically removing excess cards from the reader's operating field.
摘要翻译：一种用于通过向读卡器呈现非接触式支付卡进行交易的电子支付系统。读卡器被配置为在其操作区域中仅存在一个卡时处理事务。读卡器使用冲突检测和回避算法来检测和报告在操作区域中存在多个卡的情况。响应于所报告的碰撞，可以通过手动干预来清除冲突，即通过从读取器的操作区域物理移除多余的卡。

5. 发明申请

WO2010126994A1 APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR RECOVERING TORN SMART PAYMENT DEVICE TRANSACTIONS 审中-公开
标题翻译：装备，方法和计算机程序产品，用于恢复转账智能付款设备交易
公开(公告)号：WO2010126994A1
公开(公告)日：2010-11-04
申请号：PCT/US2010/032747
申请日：2010-04-28
申请人： MASTERCARD INTERNATIONAL INCORPORATED , ROBERTS, David, A. , GARRETT, Duncan , VAN DE VELDE, Eddy, L.H.
发明人： ROBERTS, David, A. , GARRETT, Duncan , VAN DE VELDE, Eddy, L.H.
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： Initial presentation of a payment device to a payment terminal assembly, in connection with a putative transaction, is facilitated The payment device includes a payment device memory stonng a device-side payment application, with an on-device balance, and at least one payment device processor coupled to the payment device memory The payment terminal assembly includes a terminal memory, stonng a terminal-side payment application, and at least one terminal processor coupled to the terminal memory A first command is sent from the payment terminal assembly to the payment device to compute a cryptogram to complete the putative transaction It is detected that the cryptogram is not received as expected In response, an identifier of the payment device and transaction recovery data associated with the putative transaction are stored in a storage area of the terminal memory
摘要翻译：支付设备与付款交易相关联地向支付终端组件初始呈现是便利的。支付设备包括支付设备存储器，其支持设备侧支付应用以及设备内余额，以及至少一个支付设备耦合到支付设备存储器的处理器支付终端组件包括终端存储器，终端支付应用以及耦合到终端存储器A的至少一个终端处理器。第一命令从支付终端组件发送到支付设备，计算密码以完成推定事务检测到密码未被预期地接收。作为响应，与推定事务相关联的支付设备和事务恢复数据的标识符被存储在终端存储器的存储区域中

6. 发明申请

WO2009006635A1 METHOD AND SYSTEM FOR DETECTING A SIGNAL GENERATED BY A PROXIMITY-BASED TRANSACTION DEVICE 审中-公开
标题翻译：用于检测由基于接近的交易设备产生的信号的方法和系统
公开(公告)号：WO2009006635A1
公开(公告)日：2009-01-08
申请号：PCT/US2008/069342
申请日：2008-07-07
申请人： MASTERCARD INTERNATIONAL INCORPORATED , SMETS, Patrik , VAN DE VELDE, Eddy, Lodewijk Hortensia , GARRETT, Duncan , ROBERTS, David, Anthony
发明人： SMETS, Patrik , VAN DE VELDE, Eddy, Lodewijk Hortensia , GARRETT, Duncan , ROBERTS, David, Anthony
IPC分类号： G06K7/00
CPC分类号： G06K7/0008 , G06K7/0095 , G06K7/10465
摘要： A system and method for testing and calibrating electronic contactless payment devices including reference payment cards and readers. The contactless payment devices transmit data by load modulating a subcarrier of an RF carrier signal. The system and method involve use of a common mode rejection (CMR) circuit to demodulate a received load-modulated data signal and to extract the data signal. The CMR circuit also generates a synchronous clock signal, a sample & hold signal and a sample & hold clock signal. Further, the input signal is feed to a zero-crossing detector and digital delay which in combination with an Analog-to-Digital Converter circuit is used to recreate the load (i.e. modulating) signal and to eliminate the large carrier portion of the selected input signal.
摘要翻译：一种用于测试和校准电子非接触支付设备的系统和方法，包括参考支付卡和读卡器。非接触支付设备通过负载调制RF载波信号的子载波来发送数据。该系统和方法涉及使用共模抑制（CMR）电路来解调所接收的负载调制数据信号并提取数据信号。 CMR电路还产生同步时钟信号，采样保持信号和采样和保持时钟信号。此外，输入信号被馈送到过零检测器和数字延迟，其与模数转换器电路结合用于重建负载（即，调制）信号并消除所选输入的大载波部分信号。

7. 发明申请

WO2006019997A2 METHOD AND SYSTEM FOR CONDUCTING CONTACTLESS PAYMENT CARD TRANSACTIONS 审中-公开
标题翻译：用于进行非接触式支付卡交易的方法和系统
公开(公告)号：WO2006019997A2
公开(公告)日：2006-02-23
申请号：PCT/US2005/025119
申请日：2005-07-15
申请人： MASTERCARD INTERNATIONAL INCORPORATED , SMETS, Patrik , VAN DE VELDE, Eddy, Lodewijk, Hortensia , GARRETT, Duncan
发明人： SMETS, Patrik , VAN DE VELDE, Eddy, Lodewijk, Hortensia , GARRETT, Duncan
IPC分类号： G06K7/08 , G06K19/06 , G06K5/00
CPC分类号： G01R31/308 , G01R31/302 , G06K7/00 , G06K7/0008 , G06K7/0095 , G06K7/10019 , G06K7/10336 , G06K7/10465 , G06K17/00 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G07F7/084 , G07F7/1008
摘要： A system and method for enhancing functional interoperability of contactless payment devices that are used for conducting electronic payment transactions between consumers and merchants. The contactless payment devices include RFID-embedded cards issued to consumers end proximity coupling devices such as RFID-enabled readers deployed by merchants. Th5 system and method involve use of a reference card and a reference reader to establish acceptable specifications for issued cards and deployed readers, respectively. The reference card and reference reader are cross-calibrated to link the operational specifications for the cards and the readers. A suitable selection of overlapping specification ranges or tolerances for proper card and reader functions, the enhances the interoperability of the issued cards with a deployed reader, and also the interoperability of deployed readers with an issued card.
摘要翻译：用于增强用于在消费者和商家之间进行电子支付交易的非接触支付设备的功能互操作性的系统和方法。非接触式支付设备包括发布给消费者的RFID嵌入式卡末端接近耦合设备，例如由商家部署的RFID读取器。 Th5系统和方法涉及使用参考卡和参考读取器分别为发行的卡和部署的读取器建立可接受的规格。参考卡和参考读卡器进行了交叉校准，以将卡和读卡器的操作规范联系起来。适当选择适当的卡片和阅读器功能的重叠规格范围或容差，增强发行的卡片与部署的阅读器的互操作性，以及部署的阅读器与发行的卡片的互操作性。

8. 发明申请

WO2010127000A1 APPARATUS AND METHOD FOR INTEGRATED PAYMENT AND ELECTRONIC MERCHANDISE TRANSFER 审中-公开
标题翻译：集成付款和电子商品转让的装置和方法
公开(公告)号：WO2010127000A1
公开(公告)日：2010-11-04
申请号：PCT/US2010/032760
申请日：2010-04-28
申请人： MASTERCARD INTERNATIONAL INCORPORATED , VAN DE VELDE, Eddy, L.H. , ROBERTS, David, A. , SMETS, Patrik , GARRETT, Duncan , RANS, Jean-paul
发明人： VAN DE VELDE, Eddy, L.H. , ROBERTS, David, A. , SMETS, Patrik , GARRETT, Duncan , RANS, Jean-paul
IPC分类号： G06Q20/00
CPC分类号： G06Q20/045 , G06Q20/18 , G06Q20/3827 , G06Q20/401 , G06Q20/409 , G06Q2240/00
摘要： Interrogation of an electronic device by a first terminal is facilitated, to obtain an account number associated with the electronic device. The electronic device is configured according to a payment specification. The first terminal has a first terminal payment module configured according to the payment specification and a first terminal electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to the first terminal payment module to permit transfer of nonpayment e-merchandise related information from the first terminal electronic merchandise module to the first terminal payment module. The interrogation of the electronic device is performed by the terminal payment module. Transfer of the non-payment e-merchandise related information from the first terminal electronic merchandise module to the electronic device via the first terminal payment module, within a transaction between the electronic device and the first terminal payment module that is conducted in accordance with the payment specification, is facilitated.
摘要翻译：便利第一终端对电子设备的询问，以获得与电子设备相关的帐号。电子设备根据支付规格进行配置。第一终端具有根据支付规范配置的第一终端支付模块和根据电子商品基础设施配置的第一终端电子商品模块，并且耦合到第一终端支付模块，以允许从第一终端支付模块转移不支付电子商品的相关信息终端电子商品模块到第一终端支付模块。电子设备的询问由终端支付模块执行。在第一终端电子商品模块向电子装置经由第一终端支付模块将电子装置与第一终端支付模块之间的交易中的非付款电子商品相关信息转移到根据支付规格，便利。

9. 发明申请

WO2009006633A1 METHOD AND SYSTEM FOR SIMULATING A PROXIMITY-BASED TRANSACTION DEVICE 审中-公开
标题翻译：用于模拟基于接近交易设备的方法和系统
公开(公告)号：WO2009006633A1
公开(公告)日：2009-01-08
申请号：PCT/US2008/069337
申请日：2008-07-07
申请人： MASTERCARD INTERNATIONAL INCORPORATED , SMETS, Patrik , VAN DE VELDE, Eddy, Lodewijk Hortensia , GARRETT, Duncan , ROBERTS, David, Anthony
发明人： SMETS, Patrik , VAN DE VELDE, Eddy, Lodewijk Hortensia , GARRETT, Duncan , ROBERTS, David, Anthony
IPC分类号： G06K7/08
CPC分类号： G06K7/0008 , G06K7/0095 , G06K7/10465
摘要： Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment includes reference cards and reference readers that respectively can be used to verify compliance of product cards and product readers with product specifications The product specifications may, for example, be the ISO 14443 Standard specifications which are commonly accepted in the electronic payment industry The reference equipment is designed to enhance interoperability of product payment devices whose functional behaviors may vary because of vendor customization of device specifications or due to manufacturing tolerances In some embodiments, the reference equipment includes a reference card for testing card readers The exemplary reference card can comprise a current mirror to permit an electronically adjustable variable load using an external controller The reference card electronic circuit can exhibit variable load conditions
摘要翻译：提供包括参考卡和参考读取器的参考设备用于测试卡和读卡器等电子支付设备。参考设备包括参考卡和参考读取器，可分别用于验证产品卡和产品读卡器是否符合产品规格产品规格可以是例如电子支付行业中普遍接受的ISO 14443标准规范。参考设备旨在增强产品支付设备的互操作性，其功能行为可能因设备规格的供应商定制或由于制造公差而变化。在一些实施例中，参考设备包括用于测试读卡器的参考卡。示例性参考卡可以包括电流镜，允许使用外部控制器进行电子可调节的可变负载参考卡电子电路可以呈现可变负载条件

10. 发明申请

WO2006020072A3 PAYMENT CARD SIGNAL CHARACTERIZATION METHODS AND CIRCUITS 审中-公开
公开(公告)号：WO2006020072A3
公开(公告)日：2006-02-23
申请号：PCT/US2005/025220
申请日：2005-07-15
申请人： MASTERCARD INTERNATIONAL INCORPORATED , SMETS, Patrick , VAN DE VELDE, Eddy, Lodewijk, Hortensia , GARRETT, Duncan
发明人： SMETS, Patrick , VAN DE VELDE, Eddy, Lodewijk, Hortensia , GARRETT, Duncan
IPC分类号： G06K7/00
摘要： A reference reader is provided for testing contactless electronic payment cards whose data transmissions are via weak load modulated RF carrier signals. The reference reader includes a reader antenna and a coupled common mode rejection circuit. The common mode rejection circuit is configured to demodulate carrier signals received at the reader antenna to retrieve payment card data signals having low modulation indices.

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