专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

21. 发明授权

US08818907B2 Limiting access to account information during a radio frequency transaction 有权
标题翻译：在射频交易期间限制访问帐户信息
公开(公告)号：US08818907B2
公开(公告)日：2014-08-26
申请号：US10905078
申请日：2004-12-14
申请人： David S Bonalle , Susan E Isenberg , Peter D Saunders
发明人： David S Bonalle , Susan E Isenberg , Peter D Saunders
IPC分类号： G06Q20/00 , G06Q20/38
CPC分类号： G06Q20/383 , G06Q10/04 , G06Q20/00 , G06Q20/04 , G06Q20/0855 , G06Q20/10 , G06Q20/105 , G06Q20/108 , G06Q20/14 , G06Q20/206 , G06Q20/327 , G06Q20/346 , G06Q20/367 , G06Q20/3672 , G06Q20/385 , G06Q20/40 , G06Q30/04 , G06Q40/00 , G07C9/00111 , G07C9/00119 , G07F7/1008
摘要： The present invention provides a system and method for facilitating a RF transaction using a secondary transaction number that is associated with a user's primary transponder account. The user provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.
摘要翻译：本发明提供了一种使用与用户的主要应答器帐户相关联的次要交易号码促进RF交易的系统和方法。用户通常将与其相关联的有限使用条件的次要交易号码提供给商家以促进更安全和更自信的交易。

22. 发明授权

US07607583B2 Clear contactless card 有权
标题翻译：清除非接触式卡
公开(公告)号：US07607583B2
公开(公告)日：2009-10-27
申请号：US11871981
申请日：2007-10-13
申请人： Michael J Berardi , Michael Bliman , David S Bonalle , Jennifer Anne Elwood , Becky Vander Eyk , Matthew C Hood , Susan E Isenberg , Leigh Malnati , Alexandra Mayers , Sue Mueller , Zarita Norcross , Peter D Saunders , Kathryn D Scheding , Sejal Ajit Shah , Lisa Skilling-Belmond , John R Williamson
发明人： Michael J Berardi , Michael Bliman , David S Bonalle , Jennifer Anne Elwood , Becky Vander Eyk , Matthew C Hood , Susan E Isenberg , Leigh Malnati , Alexandra Mayers , Sue Mueller , Zarita Norcross , Peter D Saunders , Kathryn D Scheding , Sejal Ajit Shah , Lisa Skilling-Belmond , John R Williamson
IPC分类号： G06K19/00
CPC分类号： G06Q20/14 , G06K7/0008 , G06K19/02 , G06K19/0723 , G06K19/077 , G06K19/08 , G06K19/16 , G06Q20/00 , G06Q20/04 , G06Q20/327 , G07F7/086
摘要： The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.
摘要翻译：本发明涉及一种具有多个特征的透明或半透明交易卡的方法，例如全息箔，集成电路芯片，RFID电路，在磁条上具有文本的银磁条，不透明度梯度，不可见的可光学识别化合物，半透明签名领域，使得卡片背面的RFID电路和签名可以从卡片的前面看到，并且在卡片前面的主动通过日期。不可见的光学可识别化合物是红外墨水和/或膜，其可以通过在ATM或卡装配线中发现的传感器来检测。

23. 发明授权

US07735725B1 Processing an RF transaction using a routing number 有权
标题翻译：使用路由号码处理RF事务
公开(公告)号：US07735725B1
公开(公告)日：2010-06-15
申请号：US11160548
申请日：2005-06-28
申请人： Fred Bishop , Peter D Saunders
发明人： Fred Bishop , Peter D Saunders
IPC分类号： H04B1/00
CPC分类号： G07C9/00111 , G06Q20/20 , G06Q20/32 , G06Q20/327 , G06Q20/3278 , G06Q20/341 , G06Q20/352 , G07C9/00119 , H04L9/3226 , H04L63/08 , H04L2209/56 , H04L2209/805
摘要： A system and method for securing a Radio Frequency (RF) transaction using a RF identification device transaction device is provided. The invention uses the routing number and customer identifying information associated with a transaction account to secure a RF transaction. Specifically, the customer identifying information is included in an encrypted payload that is provided to a merchant point-of-sale device in a unused field of the RF data transmission. The routing number is provided in the ordinary field location of the data transmission typically reserved for the transaction account number. Additionally, the encrypted payload is provided in the unused field of the data transmission. The routing number is used to locate the corresponding encryption key for validating the RF transaction device, the transaction account and/or customer identifying information without the need for the reader to encrypt the customer identifying information before providing a transaction request to an account issuer.
摘要翻译：提供了一种使用RF识别设备交易设备来确保射频（RF）交易的系统和方法。本发明使用与交易账户相关联的路由号码和客户识别信息来确保RF交易。具体地，客户识别信息被包括在提供给RF数据传输的未使用领域中的商户销售点设备的加密有效载荷中。在通常为交易帐号保留的数据传输的普通字段位置提供了路由号码。此外，加密的有效载荷被提供在数据传输的未使用的字段中。路由号码用于定位用于验证RF交易设备，交易账户和/或客户识别信息的相应加密密钥，而不需要读者在向帐户发行者提供交易请求之前加密客户识别信息。

24. 发明授权

US07493288B2 RF payment via a mobile device 有权
标题翻译：通过移动设备进行RF支付
公开(公告)号：US07493288B2
公开(公告)日：2009-02-17
申请号：US10711965
申请日：2004-10-15
申请人： Fred Biship , Peter D Saunders
发明人： Fred Biship , Peter D Saunders
IPC分类号： G06F17/60
CPC分类号： G06Q20/32 , G06K19/07749 , G06Q20/3226 , G06Q20/325 , G06Q20/3278 , G06Q20/341 , G06Q20/347 , G06Q20/382 , G06Q20/40 , G06Q20/4014 , G06Q30/06 , G07F7/08 , G07F7/0833 , G07F7/0886 , G07F7/10 , G07F7/1008 , G07F7/1075
摘要： A process for providing an RF module configured to convert a nontraditional transaction device for traditional transaction completion is disclosed. The RF module is placed in physical and logical communication with a microprocessor of a nontraditional transaction device for providing user account information to the microprocessor and for receiving data from a RFID reader, kiosk or personal computer. The microprocessor is configured to activate operation of the RF module prior to transaction processing. The RF module may also receive secondary identification information, such as, a PIN, voice recognition data or biometric data for secondary end user authentication. The RF module may also transmit user account data for transaction processing using a USB interface of the nontraditional transaction device.
摘要翻译：公开了一种用于提供被配置为转换用于传统交易完成的非传统交易设备的RF模块的过程。 RF模块放置在与非传统交易设备的微处理器的物理和逻辑通信中，用于向微处理器提供用户帐户信息，并从RFID读取器，信息亭或个人计算机接收数据。微处理器被配置为在事务处理之前激活RF模块的操作。 RF模块还可以接收辅助标识信息，例如用于次要终端用户认证的PIN，语音识别数据或生物特征数据。 RF模块还可以使用非传统交易设备的USB接口传送用于事务处理的用户帐户数据。

25. 发明授权

US09031880B2 Systems and methods for non-traditional payment using biometric data 有权
标题翻译：使用生物识别数据进行非传统支付的系统和方法
公开(公告)号：US09031880B2
公开(公告)日：2015-05-12
申请号：US11552886
申请日：2006-10-25
申请人： Fred Bishop , Peter D Saunders
发明人： Fred Bishop , Peter D Saunders
IPC分类号： G06Q20/00 , G06Q30/06 , G06Q20/10 , G06Q20/32 , G06Q20/34 , G06Q20/38 , G06Q20/40
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/32 , G06Q20/327 , G06Q20/3572 , G06Q20/385 , G06Q20/4012 , G06Q20/4014
摘要： Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor.
摘要翻译：公开了使用非传统设备的交易和生物特征数据激活交易设备。在非传统设备处形成交易请求，并且传送给读取器，其中非传统设备可以被配置有RFID设备。在执行生物特征语音分析以验证RFID装备的非传统设备的载体是存储在其上的帐户信息的真实拥有者之后，RFID设备是不可操作的。非传统设备在用户和验证系统之间提供管道以执行用户的生物测定语音分析。当验证系统确定用户是存储在验证系统中的一个或多个帐户的真实所有者时，在验证系统之间促进购买交易。可以通过诸如与收单/发行商或支付处理器直接通信的蜂窝电话的非RF设备进一步执行交易。

26. 发明授权

US08001054B1 System and method for generating an unpredictable number using a seeded algorithm 有权
标题翻译：使用种子算法生成不可预测数字的系统和方法
公开(公告)号：US08001054B1
公开(公告)日：2011-08-16
申请号：US11306617
申请日：2006-01-04
申请人： Lee J Peart , Peter D Saunders
发明人： Lee J Peart , Peter D Saunders
IPC分类号： G06Q99/00
CPC分类号： G06Q20/401 , G06Q20/0855 , G06Q20/382 , G06Q20/40 , H04L9/0662 , H04L9/3236 , H04L2209/56 , H04L2209/805
摘要： A random number generating algorithm is seeded with an unpredictable number. The seed value is computed by subjecting variable data to a Secure Hashing Algorithm, and truncating the right most, or left most, 16 bytes from the message digest generated. The algorithm generates the unpredictable number by using the seed value as a counter value in the random number generator, and performing a data encryption standard operation. In one exemplary embodiment, the unpredictable number is modified to a predetermined maximum unpredictable number value as determined by the sender and receiver of the unpredictable number.
摘要翻译：随机数生成算法用不可预测的数字种子。种子值是通过对可变数据进行安全散列算法计算的，并从生成的消息摘要中截断最右边或最左边的16个字节。该算法通过使用种子值作为随机数生成器中的计数器值来生成不可预测的数字，并执行数据加密标准操作。在一个示例性实施例中，不可预测的数量被修改为由发送者和接收者确定的不可预测的数量的预定的最大不可预测的数字值。

27. 发明授权

US08538863B1 System and method for facilitating a transaction using a revolving use account associated with a primary account 有权
标题翻译：使用与主帐户关联的循环使用账户促进交易的系统和方法
公开(公告)号：US08538863B1
公开(公告)日：2013-09-17
申请号：US10711963
申请日：2004-10-15
申请人： Peter D Saunders
发明人： Peter D Saunders
IPC分类号： G06Q40/00
CPC分类号： G07F7/025 , G06Q10/025 , G06Q20/102 , G06Q20/14 , G06Q20/20 , G06Q20/28 , G06Q20/327 , G06Q20/3278 , G06Q20/342 , G06Q20/385 , G06Q20/40 , G06Q20/40145 , G07C9/00087 , G07C9/00111 , G07C9/00119 , H04L9/3271 , H04L2209/805
摘要： The present invention facilitates transactions by providing a revolving use account that is associated with a primary account number, wherein the revolving use account is presented to the merchant to initiate a transaction. More particularly, the system involves the process of registering a user's primary account (if not already pre-registered) to use in a transaction system; generating a revolving use account and issuing this number one or more separate users and/or transaction devices, where the user presents this revolving use account to a merchant to complete a transaction. Additionally, the revolving use account may also carry with it certain limitations-on-use conditions, where a transaction is not authorized unless these conditions are met. In generating a revolving use account, the issuer generates a random number and associates this number with the user's primary charge account.
摘要翻译：本发明通过提供与主帐号相关联的循环使用帐户来促进交易，其中向商家呈现循环使用账户以发起交易。更具体地说，系统涉及注册用户的主要账户（如果尚未预先注册）以在交易系统中使用的过程; 生成旋转使用帐户并发行这个号码一个或多个单独的用户和/或交易设备，其中用户向商家呈现该循环使用账户以完成交易。此外，循环使用账户还可能附带某些使用限制条件，除非符合条件，否则交易未获授权。在生成循环使用账户时，发行人会生成随机数字，并将该数字与用户的主要费用帐户相关联。

28. 发明授权

US08635131B1 System and method for managing a transaction protocol 有权
标题翻译：用于管理事务协议的系统和方法
公开(公告)号：US08635131B1
公开(公告)日：2014-01-21
申请号：US10711968
申请日：2004-10-15
申请人： Peter D Saunders
发明人： Peter D Saunders
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/04 , G06Q20/14 , G06Q20/3278 , G06Q20/352 , G06Q20/40
摘要： The invention teaches a system and method for managing a transaction account using the BIN number included in a transaction account number. The transaction account number is provided to a transaction account issuer configured to retrieve the BIN number from the transaction account. A portion of the BIN number, called the BIN identifier, is retrieved by the transaction account issuer and used to locate a corresponding use or issuer-defined transaction processing protocol stored on the account issuer system. The account issuer may then process the transaction request in accordance with the protocol located.
摘要翻译：本发明教导了一种使用包含在交易帐号中的BIN号来管理交易账户的系统和方法。交易帐号被提供给配置为从交易账户检索BIN号码的交易账户发行者。称为BIN标识符的BIN号码的一部分由交易账户发行者检索，并用于定位存储在账户发行者系统上的对应使用或发行人定义的交易处理协议。然后，帐户发行者可以根据所定位的协议处理交易请求。

29. 发明授权

US07705732B2 Authenticating an RF transaction using a transaction counter 有权
标题翻译：使用事务计数器验证RF事务
公开(公告)号：US07705732B2
公开(公告)日：2010-04-27
申请号：US10905005
申请日：2004-12-09
申请人： Fred Bishop , Peter D Saunders
发明人： Fred Bishop , Peter D Saunders
IPC分类号： G08B13/14
CPC分类号： G07G1/009 , G06Q20/04 , G06Q20/20 , G06Q20/203 , G06Q20/327 , G06Q20/3278 , G06Q20/382 , G06Q20/388 , G06Q40/00 , G07C9/00111
摘要： A system and method for securing a Radio Frequency (RF) transaction using a RF identification device (RFID) transaction device is provided. RFID transaction device includes a transactions counter for tallying the number of transactions attempted or completed with the RFID transactions device. Counter value is used to create a RFID device authentication tag for use in validating the RFID device. A RFID reader, interacting with the RFID device, provides a random number to the RFID device which may be used in the RFID device authentication tag creation and validation. RFID reader may also use counter value and random number to create a RFID reader authentication key useful for validating RFID reader. RFID transaction device may include an encryption key for creating RFID transaction device authentication tag. Likewise, RFID reader may include a RFID reader encryption key for creating RFID reader authentication tag.
摘要翻译：提供了一种使用RF识别设备（RFID）交易设备来确保射频（RF）交易的系统和方法。 RFID交易设备包括用于计数用RFID交易设备尝试或完成的交易数量的交易计数器。计数器值用于创建用于验证RFID设备的RFID设备认证标签。与RFID设备交互的RFID读取器为RFID设备提供随机数字，RFID设备可用于RFID设备认证标签的创建和验证。 RFID读取器还可以使用计数器值和随机数来创建用于验证RFID读取器的RFID读取器认证密钥。 RFID交易设备可以包括用于创建RFID交易设备认证标签的加密密钥。类似地，RFID读取器可以包括用于创建RFID读取器认证标签的RFID读取器加密密钥。

30. 发明授权

US07312707B1 System and method for authenticating a RF transaction using a transaction account routing number 有权
标题翻译：使用交易账户路由号码来验证RF交易的系统和方法
公开(公告)号：US07312707B1
公开(公告)日：2007-12-25
申请号：US10905006
申请日：2004-12-09
申请人： Fred Bishop , Peter D Saunders
发明人： Fred Bishop , Peter D Saunders
IPC分类号： G08B13/14
CPC分类号： G07C9/00111 , G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/20 , G06Q20/204 , G06Q20/206 , G06Q20/327 , G07C9/00119
摘要： A system and method for securing a Radio Frequency (RF) transaction using a Radio Frequency Identification (RFID) transaction device are provided. A random number is transmitted from an RFID reader to an RFID transaction device, an RFID transaction device authentication tag is created in the RFID transaction device, using at least the random number, a routing number associated with a transaction account, and a stored counter value. The RFID transaction device authentication tag is transmitted to the RFID reader, the stored counter value in the RFID transaction device is incremented, and a transaction request for verification, which comprises the RFID transaction device authentication tag and the stored counter value, is transmitted and processed. Either the RFID transaction device authentication tag or the stored counter value, or both, are verified.
摘要翻译：提供了一种使用射频识别（RFID）交易设备来确保射频（RF）交易的系统和方法。随机数从RFID读取器发送到RFID交易设备，RFID交易设备认证标签在RFID交易设备中至少使用随机数，与交易账户相关联的路由号码和存储的计数器值。将RFID交易设备认证标签发送到RFID读取器，RFID交易设备中存储的计数器值递增，并且发送和处理包括RFID交易设备认证标签和存储的计数器值的用于验证的交易请求。验证RFID交易设备认证标签或存储的计数器值，或两者。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式