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1. 发明申请

WO2018160321A1 METHODS AND SYSTEMS FOR OFFERING UNIVERSAL ACCESS TO MASS TRANSIT SYSTEMS USING MOBILE DEVICES 审中-公开
公开(公告)号：WO2018160321A1
公开(公告)日：2018-09-07
申请号：PCT/US2018/016545
申请日：2018-02-02
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： LOPEZ ALANIZ, Felipe , ZAMORA, Jorge, Martin , ESPINOZA, Cesar , KRYSZTAL, Javier
IPC分类号： G06Q20/32 , G06Q20/28 , G06Q20/36 , G06Q20/34
CPC分类号： G07B15/00 , G06Q20/28 , G06Q20/322 , G06Q20/3224 , G06Q20/3278 , G06Q20/3552 , G06Q20/3555 , G06Q20/36
摘要： A method includes storing at least three mutually different transit terminal transaction protocols in a server computer. A first request is received from a mobile device, in response to the request, a first one of the transit terminal transaction protocols is downloaded from the server computer to the mobile device. A second request is received from the mobile device. In response to the second request, a second one of the transit terminal transaction protocols is downloaded from the server computer to the mobile device.

2. 发明申请

WO02010918A1 METHOD FOR MAKING SECURE ACCESS TO A RESIDENT APPLICATION ON A USER CARD CO-OPERATING WITH A COMMUNICATION SYSTEM TERMINAL, AND CORRESPONDING TERMINAL 审中-公开
标题翻译：用于与通信系统终端进行用户卡合作的安全访问的安全访问方法以及相应的终端
公开(公告)号：WO02010918A1
公开(公告)日：2002-02-07
申请号：PCT/FR2001/002489
申请日：2001-07-30
IPC分类号： G07F7/10 , H04W88/02 , G06F9/46 , H04Q7/32
CPC分类号： H04L63/0853 , G06Q20/3555 , G07F7/1008 , H04W12/06 , H04W12/08 , H04W88/02
摘要： The invention concerns a method for making secure the access of an external application to at least a microprocessor user card, said user card being capable of containing several internal applications, said external application corresponding to one of the internal applications, said user card co-operating with a terminal, said external application using a connection protocol to the user card wherein, with each external application is associated a predetermined identification parameter. Said method comprises the following steps: when a first external application is connected to the corresponding internal application on said user card, determining the application identification parameter; if a second external application requires connection to said user card, analysing the parameter identification of said second application; if said parameter is identical to that of the first connected application, prohibiting access for the second external application to said corresponding internal application on the user card.
摘要翻译：本发明涉及一种用于使外部应用程序访问至少一个微处理器用户卡的安全性的方法，所述用户卡能够包含若干内部应用程序，所述外部应用程序对应于内部应用程序之一，所述用户卡协作使用终端，所述外部应用使用与用户卡的连接协议，其中每个外部应用与预定的识别参数相关联。所述方法包括以下步骤：当第一外部应用连接到所述用户卡上的相应内部应用时，确定应用识别参数; 如果第二外部应用程序需要连接到所述用户卡，则分析所述第二应用程序的参数标识; 如果所述参数与第一连接应用的参数相同，则禁止第二外部应用访问用户卡上的所述对应的内部应用。

3. 发明申请

WO1987007063A1 ARRANGEMENT FOR A PORTABLE DATA CARRIER HAVING MULTIPLE APPLICATION FILES 审中-公开
标题翻译：具有多个应用文件的便携式数据载体的安装
公开(公告)号：WO1987007063A1
公开(公告)日：1987-11-19
申请号：PCT/US1987000913
申请日：1987-04-20
申请人： AMERICAN TELEPHONE & TELEGRAPH COMPANY
发明人： AMERICAN TELEPHONE & TELEGRAPH COMPANY , ANDERL, Ewald, Christoph , FRANKEL, Oren , ZAHIVI, Avi
IPC分类号： G07F07/10
CPC分类号： G07F7/1008 , G06Q20/341 , G06Q20/3555 , G06Q20/35765
摘要： A portable data carrier (10) typically the size of a standard plastic credit card is usable in a variety of applications, from custom repertory dialing to storage of individual medical and/or banking records. The portable data carrier provides a high security file system capable of supporting multiple applications, all independent of the details of the data carrier's generic internal structure. Although the data carrier looks and feels much like an ordinary credit card, it includes a computer (110) and an electrically erasable programmable read-only memory (115). Power for operation of the portable data carrier is provided from an associated station (118) via a reader/writer (15). The reader/writer also couples data between the data carrier and the associated station. Security is enhanced since application software in the station receiving and interpreting the data from a file sees a contiguous stream of bytes relating only to the file of the application being accessed. No information is provided to a user of a particular application about other applications in the data carrier or about the data carrier's internal file structure.
摘要翻译：典型地，标准塑料信用卡的尺寸的便携式数据载体（10）可用于各种应用，从定制的电话拨号到个人医疗和/或银行记录的存储。便携式数据载体提供了能够支持多个应用的高安全性文件系统，全部独立于数据载体的通用内部结构的细节。虽然数据载体看起来和感觉非常像普通信用卡，但它包括计算机（110）和电可擦除可编程只读存储器（115）。通过阅读器/写入器（15）从相关联的站（118）提供便携式数据载体的操作功率。阅读器/写入器还在数据载体和相关站之间耦合数据。安全性得到增强，因为站点中的应用软件接收和解释来自文件的数据会看到仅与所访问的应用程序的文件相关的连续字节流。关于数据载体中的其他应用或关于数据载体的内部文件结构的特定应用的用户没有提供信息。

4. 发明申请

WO2017091846A1 MULTI-SCHEME PAYMENT MOBILE DEVICE AND SYSTEM 审中-公开
标题翻译：多方案支付移动设备和系统
公开(公告)号：WO2017091846A1
公开(公告)日：2017-06-08
申请号：PCT/AU2016/051130
申请日：2016-11-21
申请人： SIMSEC HONG KONG LIMITED
发明人： BALL, David Charles , LEMESSURIER, Marcus David
IPC分类号： G06Q20/32 , G06Q20/34
CPC分类号： G06Q20/4012 , G06Q20/3221 , G06Q20/3223 , G06Q20/3227 , G06Q20/3278 , G06Q20/3555
摘要： A mobile electronic device is configured to perform an intended purpose and further configured to effect a financial transaction in addition to the intended purpose. The device includes a first group of electronic circuits configured to facilitate the performing of the intended purpose; and a second group of electronic circuits configured to effect the financial transaction. The first group of electronic circuits is communicatively isolated from the second group of electronic circuits.
摘要翻译：移动电子设备被配置为执行预期目的，并且进一步被配置为除了预期目的之外还实现金融交易。该设备包括第一组电子电路，该第一组电子电路被配置为便于执行预期目的; 以及配置成实现金融交易的第二组电子电路。第一组电子电路与第二组电子电路通信隔离。

5. 发明申请

WO2009052380A1 CONDUCTING FINANCIAL TRANSACTIONS 审中-公开
标题翻译：进行财务交易
公开(公告)号：WO2009052380A1
公开(公告)日：2009-04-23
申请号：PCT/US2008/080311
申请日：2008-10-17
申请人： BANK OF AMERICA CORPORATION , HILL, Rosemary
发明人： HILL, Rosemary
IPC分类号： G07F7/08 , G06Q20/00
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/20 , G06Q20/227 , G06Q20/32 , G06Q20/3555 , G06Q20/3572 , G06Q20/35785 , G06Q20/367 , G06Q20/3672 , G06Q20/403 , G06Q20/4037 , G06Q20/405 , G06Q40/00 , G07F7/1008
摘要： A payment device such as a debit card may be issued to an individual such as a minor. The debit card may be associated with spending control parameters to prevent overspending and other financial issues. Control parameters may include a weekly maximum that may be spent, approved transaction types (e.g., deposits only), authorized transaction entities (e.g., grocery stores, gas stations, etc.). Thus, transaction might only be approved if the transaction qualifies under the set control parameters. An individual may further access a banking interface that allows the individual to view financial education materials, games, savings trackers and the like. A savings tracker may be used to help an individual save money toward a particular goal. In one or more configurations, a parent, guardian or primary account holder may have the ability to modify control settings of the payment device and/or modify the banking interface (e.g., change the options available).
摘要翻译：可以向诸如未成年人的个人发行诸如借记卡的付款设备。借记卡可能与支出控制参数相关联，以防止超支和其他财务问题。控制参数可以包括可以花费的每周最大值，批准的交易类型（例如，仅存款），授权交易实体（例如杂货店，加油站等）。因此，如果交易符合设定的控制参数条件，交易可能只能被批准。个人可以进一步访问允许个人查看金融教育材料，游戏，储蓄追踪者等的银行界面。可以使用储蓄追踪器来帮助个人向特定目标省钱。在一个或多个配置中，父母，监护人或主要账户持有者可以具有修改支付设备的控制设置和/或修改银行接口（例如，改变可用选项）的能力。

6. 发明申请

WO01077920A1 STORAGE AREA DIVIDING METHOD FOR PORTABLE DEVICE 审中-公开
标题翻译：便携式设备的存储区划分方法
公开(公告)号：WO01077920A1
公开(公告)日：2001-10-18
申请号：PCT/JP2001/002992
申请日：2001-04-06
IPC分类号： G06K19/073 , G07F7/10 , G09C1/00 , G06F17/60 , G06K17/00 , G06K19/00
CPC分类号： G07F7/1008 , G06F21/77 , G06K19/0719 , G06Q20/341 , G06Q20/3552 , G06Q20/3555 , G06Q20/3572 , G06Q20/3576 , G06Q20/35765 , H04M15/00 , H04M15/51 , H04M15/77 , H04M15/771 , H04M15/774 , H04M2215/54 , H04M2215/7254 , H04M2215/7259 , H04M2215/7272 , H04W4/24
摘要： An IC card issuer issues an IC card and requests a card storage area operator that part of the IC card's storage area be loaned to a card storage area user. The card storage area operator provides various elements of data to storage area dividing devices under the control of an operator's communication device (12). The card storage area user divides an IC card storage area into a storage area used by the IC card issuer and that used by the card storage area user. An operation file registering device writes file data, for providing service by the card storage area user, into the card storage area user's storage area obtained by the above dividing.
摘要翻译： IC卡发行者发行IC卡，并请求卡存储区域操作者将IC卡的存储区域的一部分借给卡存储区域用户。卡存储区域操作员在操作者的通信设备（12）的控制下，向存储区域划分设备提供各种数据元素。卡存储区域用户将IC卡存储区域划分为由IC卡发行者使用的存储区域和卡存储区域用户使用的存储区域。操作文件登记装置将用于由卡存储区域用户提供服务的文件数据写入通过上述划分获得的卡存储区域用户的存储区域。

7. 发明申请

WO2011067460A1 METHOD AND MEANS FOR CONTROLLING PAYMENT SETUP 审中-公开
标题翻译：控制支付设置的方法和手段
公开(公告)号：WO2011067460A1
公开(公告)日：2011-06-09
申请号：PCT/FI2010/050927
申请日：2010-11-17
申请人： VÄÄNÄNEN, Mikko
发明人： VÄÄNÄNEN, Mikko
IPC分类号： G06Q20/00 , G07F7/08
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/327 , G06Q20/341 , G06Q20/352 , G06Q20/3552 , G06Q20/3555 , G06Q20/357 , G06Q20/3572 , G06Q40/02 , G06Q40/04 , G07F7/1008
摘要： The invention relates to an electronic system with which consumers and businesses can automatically and electronically facilitate competition for financial transaction services that they purchase, and/or participate in bigger markets more transparently than they can currently. The invention features a payment card, which is arranged to clear transactions with at least two accounts, which at least two accounts are arranged to be hosted by different financial service providers. The invention also features a payment card reader, which is arranged to clear transactions with at least two accounts, which at least two accounts are arranged to be hosted by different financial service providers. The transaction computer server of the invention is arranged to capture a competitive record of available bids that could have been accepted to complete the said transaction from at least one said electronic market.
摘要翻译：本发明涉及一种电子系统，消费者和企业可以通过这种电子系统自动和电子地促进他们购买的金融交易服务的竞争，和/或比目前更透明地参与更大的市场。本发明的特征在于一种支付卡，其被安排为用至少两个帐户来清算交易，至少两个帐户被安排为由不同的金融服务提供商托管。本发明还具有支付卡读卡器，其被布置为用至少两个帐户来清除交易，至少两个帐户被安排为由不同的金融服务提供商托管。本发明的交易计算机服务器被安排成从至少一个所述电子市场捕获可能被接受以完成所述交易的可用投标的竞争记录。

8. 发明申请

WO01055959A1 DEVICE FOR PROCESSING DATA CARRIER CARDS 审中-公开
标题翻译：设备用于处理数据支持卡
公开(公告)号：WO01055959A1
公开(公告)日：2001-08-02
申请号：PCT/EP2000/011314
申请日：2000-11-15
IPC分类号： G06K13/07 , G06K13/12 , G06K17/00 , G06K13/00
CPC分类号： G06K13/12 , G06K17/00 , G06K2017/0041 , G06Q20/3555 , G07F7/0873
摘要： The invention relates to a device for processing data carrier cards. Said device comprises a transport device (10) for retracting and dispensing a data carrier card (12), a read/write device (18) for exchanging data with the data carrier card (12), and a control device (42) for controlling the transport device (10) and the read/write device (18). The transport device is (10) is provided with a retractor/dispenser portion (16) and an adjoining intermediate storage (22) for cards.
摘要翻译：在用于处理数据载体卡的传送装置（10）用于吸入和分配用于与所述数据载体卡（12）的数据交换的数据载体卡（12），一个读/写装置（18）的装置和与控制装置（42），用于控制所述传输装置（10）和读/写装置（18），输送装置（10）包括输入/输出部分（16）和邻接它的中间卡存储（22）。

9. 发明申请

WO1997015893A1 CARD NUMBER CONTROL APPARATUS AND CARD NUMBER CONTROL SYSTEM 审中-公开
标题翻译：卡数控制装置和卡号控制系统
公开(公告)号：WO1997015893A1
公开(公告)日：1997-05-01
申请号：PCT/JP1996003145
申请日：1996-10-28
申请人： UKUDA, Shuko
IPC分类号： G06F19/00
CPC分类号： G07F17/42 , G06Q20/3555 , G06Q40/00 , G07F7/08 , G07F7/1008 , G07F7/12 , G07F7/122
摘要： An apparatus enabling cards to be issued in a short period of time directly in the head and branch offices of domestic and foreign banks and card companies. When a request for issuing a card is received from a customer (3), a head or branch office of a domestic bank (2) takes out an unused card number from an unused card number file (1A) in a card center (1) of the domestic bank, and temporarily retains the card number in a taken-out unused card number file (2C) in the head or branch office of the domestic bank (2). In the card center (1) of the domestic bank, the card number is transferred from the unused card number file (1A) to a taken-out unused card number file (1B). At the time of making a request for the issuing of the card, the customer submits an application on which his name and address and an amount of card money are written. The head or branch office of the domestic bank takes out the temporarily retained unused card number from a taken-out unused card number file (2C) therein, and issues a card. The issuance of the card is inputted with the customer's information including his name and address into an in-use card number file (2D) in the head or branch office, and the card is handed over to the customer. The head or branch office of the domestic bank then sends out a card issuance reporting signal to the card center (1). The card center (1) transfers the reception card number from the taken-out unused card number file (1B) to an in-use card number file (1C), and sends out a report reception signal. A card number can be reused, and an unused card number which has been taken out but not used or a card number which has been left unused for 10 years since the last use, is returned to the unused card number file (1A).
摘要翻译：一种能够在短时间内直接在国内外银行和卡片公司的总部和分支机构发行卡片的设备。当从客户（3）接收到发出卡的请求时，国内银行（2）的总部或分支机构从卡中心（1）的未使用的卡号文件（1A）中取出未使用的卡号，并将该卡片号码暂时保留在国内银行（2）的总部或分支机构的未取得的未使用卡号码文件（2C）中。在国内银行的卡片中心（1）中，将卡号从未使用的卡号码文件（1A）传送到已取出的未使用卡号码文件（1B）。在发出卡的请求时，客户提交其姓名和地址以及卡币数量的申请。国内银行的总行或分支机构从取出的未使用的卡号文件（2C）中取出暂时保留的未使用的卡号，并发行卡。卡片的发行将客户的信息（包括他的姓名和地址）输入到头部或分支机构中的使用卡号码文件（2D）中，并将卡片交给客户。国内银行的主管部门随后向卡中心发出卡发行通知信号（1）。卡中心（1）将接收卡号从已取出的未使用的卡号文件（1B）传送到使用中的卡号文件（1C），并发送报告接收信号。可以重新使用卡号，并且将未使用的未使用的卡号码或自上次使用以来未使用10年的卡片号码返回到未使用的卡号文件（1A）。

10. 发明申请

WO1987007062A1 SYSTEM FOR A PORTABLE DATA CARRIER 审中-公开
标题翻译：便携式数据载体系统
公开(公告)号：WO1987007062A1
公开(公告)日：1987-11-19
申请号：PCT/US1987000912
申请日：1987-04-20
申请人： AMERICAN TELEPHONE & TELEGRAPH COMPANY
发明人： AMERICAN TELEPHONE & TELEGRAPH COMPANY , ANDERL, Ewald, Christoph , FRANKEL, Oren , ZAHIVI, Avi
IPC分类号： G07F07/10
CPC分类号： G07F7/1008 , G06Q20/341 , G06Q20/3555 , G06Q20/35765
摘要： A portable data carrier system (10, 15, 18) provides improved security for files (31-33) which support multiple applications, from custom repertory dialing to storage of individual medical and/or banking records. Included in the system is a portable data carrier (10) which looks and feels much like an ordinary credit card. The portable data carrier, however, includes a computer (110) and an electrically erasable field programmable read-only memory (115). Power for operation of the portable data carrier is provided from an associated station (18) via a reader/writer (15). The reader/writer also couples data between the data carrier and the associated station. Operation of the data carrier is through an executive operating system that is accessed from the station via a set of commonly understood command primitives. These command primitives manipulate the files in the data carrier in accordance with security requirements. Security is enhanced since the station application software receiving and interpreting the data from a file sees a contiguous stream of bytes relating only to the file of the application being accessed. No information is provided to a user of a particular application about other applications in the data carrier or about the data carrier internal file structure.

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