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1. 发明申请

US20050242171A1 System and method for generating collision-free identifiers for financial transaction cards 有权
标题翻译：用于为金融交易卡生成无冲突标识符的系统和方法
公开(公告)号：US20050242171A1
公开(公告)日：2005-11-03
申请号：US11042906
申请日：2005-01-24
申请人： Patrik Smets , Paul Vanneste
发明人： Patrik Smets , Paul Vanneste
IPC分类号： G06K5/00 , G06Q30/00 , G06F17/60
CPC分类号： G06Q30/02 , G06Q30/0241
摘要： A one-way permutation over financial transaction card data provides a merchant with a unique card identifier for each financial transaction card that is used by a customer to purchase goods from a merchant. This card identifier, which is not the actual financial transaction card data, may then be permissibly stored by the merchant and used to uniquely identify the customer's financial transaction card, and may also be used to determine the frequency with which that customer makes purchases using that card.
摘要翻译：金融交易卡数据的单向排列为商家提供了一种用于每个金融交易卡的唯一卡标识符，用于顾客从商家购买商品。该卡片标识符（不是实际的金融交易卡数据）然后可以被商家容许地存储并且用于唯一地识别客户的金融交易卡，并且还可以用于确定该客户使用该客户进行购买的频率卡。

2. 发明申请

US20130282459A1 METHODS AND APPARATUS FOR STANDARD APPROACH TO COUPON SELECTION 审中-公开
标题翻译：标准方法选择方法和装置
公开(公告)号：US20130282459A1
公开(公告)日：2013-10-24
申请号：US13451770
申请日：2012-04-20
申请人： Patrik Smets , David A. Roberts , Jonathan Main
发明人： Patrik Smets , David A. Roberts , Jonathan Main
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0207 , G06Q20/045 , G06Q20/322 , G06Q20/387 , G06Q30/0238
摘要： Presented are apparatus and methods for utilizing coupons and the like in the context of a contactless payment process. A processor of a payment-enabled mobile device stores a Proximity Coupon System Environment (PCSE). The PCSE includes coupon applications that provide for an alternative form of payment and/or that influence a final transaction amount for a payment transaction. The method includes storing in a File Control Information (FCI) file of the PCSE a list of the coupon applications, and storing in a FCI file of a Proximity Payment System Environment (PPSE) an indication of the existence of the PCSE. When a payment transaction request is received from a proximity reader, the payment-enabled mobile device transmits the indication of the existence of the PCSE and the list of coupon applications that are to be considered before determining the final transaction amount.
摘要翻译：提出了在非接触式支付过程的背景下利用优惠券等的装置和方法。支付支付移动设备的处理器存储接近优惠券系统环境（PCSE）。 PCSE包括提供替代付款方式和/或影响支付交易的最终交易金额的息票申请。该方法包括将PCSE的文件控制信息（FCI）文件存储在优惠券应用的列表中，并将接近支付系统环境（PPSE）的FCI文件存储在PCSE的存在的指示上。当从接近读取器接收到支付交易请求时，支付支付的移动设备在确定最终交易金额之前发送PCSE的存在的指示和要考虑的优惠券应用的列表。

3. 发明授权

US07681788B2 Apparatus and method for integrated payment and electronic merchandise transfer 有权
标题翻译：一体化支付和电子商品转账的设备和方法
公开(公告)号：US07681788B2
公开(公告)日：2010-03-23
申请号：US12102472
申请日：2008-04-14
申请人： Eddy L. H. Van de Velde , David A Roberts , Patrik Smets
发明人： Eddy L. H. Van de Velde , David A Roberts , Patrik Smets
IPC分类号： G06K5/00
CPC分类号： G06Q20/045 , G06Q20/18
摘要： Payment transactions using a payment infrastructure are efficiently combined with e-merchandise transactions using an e-merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function. An electronic payment device configured according to the payment infrastructure is interrogated by a payment module (also configured according to the payment infrastructure) of a first terminal to obtain financial data. Electronic merchandise-related information is generated by an electronic merchandise module (configured according to the electronic merchandise infrastructure) of the first terminal, and such information is transferred to the electronic payment device within a transaction conducted in accordance with the financial data and the payment infrastructure.
摘要翻译：使用支付基础设施的付款交易可以使用电子商品基础设施与电子商品交易有效结合，同时允许每个基础设施集中在其主要功能上。根据支付基础设施配置的电子支付设备由第一终端的支付模块（也根据支付基础设施配置）进行询问以获得财务数据。电子商品相关信息由第一终端的电子商品模块（根据电子商品基础设施配置）产生，并且在根据财务数据和支付基础设施进行的交易中将这些信息传送到电子支付设备。

4. 发明授权

US07374082B2 Apparatus and method for integrated payment and electronic merchandise transfer 有权
标题翻译：一体化支付和电子商品转账的设备和方法
公开(公告)号：US07374082B2
公开(公告)日：2008-05-20
申请号：US11478185
申请日：2006-06-29
申请人： Eddy L. H. Van de Velde , David A. Roberts , Patrik Smets
发明人： Eddy L. H. Van de Velde , David A. Roberts , Patrik Smets
IPC分类号： G06K5/00
CPC分类号： G06Q20/045 , G06Q20/18
摘要： Payment transactions using a payment infrastructure are efficiently combined with e-merchandise transactions using an e-merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function. An electronic payment device configured according to the payment infrastructure is interrogated by a payment module (also configured according to the payment infrastructure) of a first terminal to obtain financial data. Electronic merchandise-related information is generated by an electronic merchandise module (configured according to the electronic merchandise infrastructure) of the first terminal, and such information is transferred to the electronic payment device within a transaction conducted in accordance with the financial data and the payment infrastructure.
摘要翻译：使用支付基础设施的付款交易可以使用电子商品基础设施与电子商品交易有效结合，同时允许每个基础设施集中在其主要功能上。根据支付基础设施配置的电子支付设备由第一终端的支付模块（也根据支付基础设施配置）进行询问以获得财务数据。电子商品相关信息由第一终端的电子商品模块（根据电子商品基础设施配置）产生，并且在根据财务数据和支付基础设施进行的交易中将这些信息传送到电子支付设备。

5. 发明授权

US10217109B2 Apparatus and method for combining cryptograms for card payments 有权
公开(公告)号：US10217109B2
公开(公告)日：2019-02-26
申请号：US12833059
申请日：2010-07-09
申请人： Michael C. Ward , Patrik Smets , Paul Vanneste
发明人： Michael C. Ward , Patrik Smets , Paul Vanneste
IPC分类号： G06Q20/40 , G06Q20/20 , G06Q20/34 , G06Q20/38 , G07F7/10 , H04L9/32
摘要： At least a first cryptogram and a second cryptogram are transmitted from a payment device reader component to a terminal component. A message including at least the first cryptogram and the second cryptogram is transmitted from the terminal component to an issuer of a payment device presented to the reader component, through a payment network. A message is obtained from the issuer, corresponding to authentication, by the issuer, of the payment device (and optionally the owner of the payment device) presented to the reader component, based at least on the first cryptogram and the second cryptogram. The payment network is configured in accordance with at least one of (i) a standard, and (ii) a specification, which normally employs only a single cryptogram for the message and the authentication. Apparatuses and computer program products are also disclosed.

6. 发明授权

US08706556B2 Methods for risk management in payment-enabled mobile device 有权
标题翻译：支付支付移动设备中的风险管理方法
公开(公告)号：US08706556B2
公开(公告)日：2014-04-22
申请号：US12915603
申请日：2010-10-29
申请人： Patrick Mestré , Cristian Radu , Patrik Smets , Simon Phillips , Ronald D. Carter
发明人： Patrick Mestré , Cristian Radu , Patrik Smets , Simon Phillips , Ronald D. Carter
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/3278 , G06Q20/16 , G06Q20/20 , G06Q20/204 , G06Q20/28 , G06Q20/32 , G06Q20/3433 , G06Q20/349 , G06Q20/381 , G06Q20/40 , G06Q20/4012 , G06Q20/4016 , G06Q20/409 , G07F7/1025
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。

7. 发明授权

US08439271B2 Method and system using a bitmap for passing contactless payment card transaction variables in standardized data formats 有权
标题翻译：方法和系统使用位图，以标准化数据格式传递非接触式支付卡交易变量
公开(公告)号：US08439271B2
公开(公告)日：2013-05-14
申请号：US12987616
申请日：2011-01-10
申请人： Patrik Smets , Eddy Lodewijk Hortensia Van De Velde
发明人： Patrik Smets , Eddy Lodewijk Hortensia Van De Velde
IPC分类号： G06K19/06
CPC分类号： G07F7/1008 , G06Q20/10 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/346 , G06Q20/352 , G07F7/084 , G07F7/122 , H04M17/00 , H04M17/02 , H04M17/026
摘要： An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures or tracks. The proximity payment card transaction data such a dynamic authentication codes are placed in unused space in the same standard formatted data structures. The availability of unused space varies with card issuer or vendor. An issuer-specific bitmap provides an index to the available space in discretionary data fields in magnetic stripe tracks. The bitmap also is stored in the card's discretionary data field.
摘要翻译：电子支付系统被配置为处理接近支付卡类型和磁条卡类型交易。磁卡交易数据在卡，读卡器和授权或审批通用行业ISO 7811标准数据结构或轨道中的各方之间进行通信。将接近支付卡交易数据（诸如动态认证码）放置在相同标准格式化数据结构中的未使用空间中。未使用的空间的可用性因发卡机构或供应商而异。发行人特定位图为磁条轨迹中的自由数据字段中的可用空间提供索引。位图也存储在卡的自由裁量数据字段中。

8. 发明申请

US20130097080A1 TAP AND WIRELESS PAYMENT METHODS AND DEVICES 有权
标题翻译： TAP和无线支付方法和设备
公开(公告)号：US20130097080A1
公开(公告)日：2013-04-18
申请号：US13432778
申请日：2012-03-28
申请人： Patrik Smets , David A. Roberts , Simon Phillips , John Gaitanos , Mehdi Collinge , Jonathan James Main
发明人： Patrik Smets , David A. Roberts , Simon Phillips , John Gaitanos , Mehdi Collinge , Jonathan James Main
IPC分类号： G06Q20/40 , G06Q30/00 , G06Q20/32 , G06Q20/22
CPC分类号： G06T1/20 , H04N19/85
摘要： Example embodiments include methods and apparatus for exchanging, using a contactless interface included in a portable device, transaction information associated with an electronic merchant device when the portable device is brought into close proximity to a contactless interface associated with the electronic merchant device, with the information identifying the electronic merchant device and identifying a handover wireless network connected to the electronic merchant device and with information including security credentials required to form a secure connection, establishing a persistent, secure wireless connection with the electronic merchant device, using a wireless network interface in the portable device and the transaction information, over the handover wireless network and exchanging transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval.
摘要翻译：示例性实施例包括用于当便携式设备紧密接近与电子商家设备相关联的非接触式接口时，使用包括在便携式设备中的非接触式接口交换与电子商家设备相关联的交易信息的方法和设备，识别所述电子商家装置并识别连接到所述电子商家装置的切换无线网络，以及包括形成安全连接所需的安全凭证的信息，使用所述电子商务装置中的无线网络接口建立与所述电子商家装置的持久的，安全的无线连接便携式设备和交易信息，通过移交无线网络，并且在购物间隔期间通过持续的，安全的无线连接在便携式设备和电子商家设备之间交换交易消息。

9. 发明申请

US20100318315A1 METHOD AND SYSTEM FOR SIMULATING A PROXIMITY-BASED TRANSACTION DEVICE 有权
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：US20100318315A1
公开(公告)日：2010-12-16
申请号：US12668179
申请日：2008-07-07
申请人： Patrik Smets , Eddy Lodewijk Hortensia Van De Velde , Duncan Garrett , David Anthony Roberts
发明人： Patrik Smets , Eddy Lodewijk Hortensia Van De Velde , Duncan Garrett , David Anthony Roberts
IPC分类号： G01M19/00
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。

10. 发明授权

US07792759B2 Methods for performing transactions in a wireless environment 有权
标题翻译：在无线环境中执行交易的方法
公开(公告)号：US07792759B2
公开(公告)日：2010-09-07
申请号：US10628702
申请日：2003-07-28
申请人： Jagdeep Singh Sahota , Trudy Hill , Carole Oppenlander , Patrik Smets , Eddy Lodewijk Hortensia Van de Velde
发明人： Jagdeep Singh Sahota , Trudy Hill , Carole Oppenlander , Patrik Smets , Eddy Lodewijk Hortensia Van de Velde
IPC分类号： G06Q20/00
CPC分类号： G07F7/1008 , G06Q20/10 , G06Q20/327 , G06Q20/3552 , G06Q20/3674 , G06Q20/382 , G06Q20/40
摘要： A method of performing a transaction over a contactless interface placing a first device in wireless communication with a second device, selecting the interface over which the first and second device will communicate, selecting the application to be used to approve or disapprove the transaction, communicating to the second device the data necessary for the application to approve of disapprove the transaction.
摘要翻译：一种通过非接触式接口执行交易的方法，该第一设备将第一设备与第二设备进行无线通信，选择第一和第二设备将在其上进行通信的接口，选择要用于批准或不批准交易的应用，第二个设备是应用程序批准拒绝交易所需的数据。

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