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1. 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.

2. 发明申请

US20120011070A1 Apparatus and Method for Combining Cryptograms for Card Payments 审中-公开
标题翻译：用于组合卡支付密码的装置和方法
公开(公告)号：US20120011070A1
公开(公告)日：2012-01-12
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： G06Q20/00 , G06K5/00 , H04L9/32
CPC分类号： G06Q20/40 , G06Q20/20 , G06Q20/34 , G06Q20/3823 , G06Q20/401 , G06Q20/4012 , G07F7/1016 , H04L9/3242 , H04L2209/56
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.
摘要翻译：至少第一密码和第二密码从支付设备读取器组件传送到终端组件。包括至少第一密码和第二密码的消息通过支付网络从终端组件发送到呈现给读取器组件的支付设备的发行者。至少基于第一密封和第二密码，从颁发者获得对应于由发行者认证呈现给读取器组件的支付设备（以及可选地，支付设备的所有者）的消息。支付网络根据（i）标准和（ii）通常仅对消息和认证采用单个密码的规范中的至少一个进行配置。还公开了设备和计算机程序产品。

3. 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。

4. 发明授权

US07299974B2 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：US07299974B2
公开(公告)日：2007-11-27
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： G06F17/00
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。

5. 发明申请

US20090103730A1 APPARATUS AND METHOD FOR USING A DEVICE CONFORMING TO A PAYMENT STANDARD FOR ACCESS CONTROL AND/OR SECURE DATA STORAGE 审中-公开
标题翻译：使用符合支付标准的设备进行访问控制和/或安全数据存储的装置和方法
公开(公告)号：US20090103730A1
公开(公告)日：2009-04-23
申请号：US11875026
申请日：2007-10-19
申请人： Michael C. Ward , Patrik Smets , David A. Roberts , Duncan Garrett , John Beric , Stuart Miller
发明人： Michael C. Ward , Patrik Smets , David A. Roberts , Duncan Garrett , John Beric , Stuart Miller
IPC分类号： H04L9/32 , H04L9/30 , H04L9/16 , H04L9/28
CPC分类号： G06Q20/3829 , G06Q20/02 , G06Q20/341 , G06Q20/40975 , G07B15/00 , G07F7/10 , G07F7/1008
摘要： Secure establishment of a key associated with a first facility identifier is facilitated. The key is shared between a device and an operator of a first facility, via a public key management infrastructure of a payment system operating according to the payment standard, during a first transaction, substantially in accordance with the payment standard, between the device and the first facility. Controlling access to a first facility is facilitated, via the device, using the key associated with the first facility identifier, substantially without reference to an issuer of the device and substantially without use of asymmetric keys of the device, during a plurality of subsequent transactions, substantially in accordance with the payment standard, between the device and the first facility. The steps can be repeated for a number of different facilities, such as different transit systems, with appropriate rules to address a situation where the device has a limited storage capacity for keys of different transit operators.
摘要翻译：与第一设施标识符相关联的密钥的安全建立便利。通过基本上按照支付标准操作的支付系统的公共密钥管理基础设施，第一设施的设备和操作者之间的密钥在基本上按照支付标准在第一交易期间在设备和第一个设施。在多个后续交易期间，基本上不参照设备的发行者并且基本上不使用设备的非对称密钥，通过该设备便于使用与第一设施标识符相关联的密钥来控制对第一设施的访问，基本上按照支付标准，在设备和第一设施之间。可以针对多个不同的设施（例如不同的运输系统）重复这些步骤，具有适当的规则以解决设备对于不同运输运营商的密钥的存储容量有限的情况。

6. 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。

7. 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。

8. 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。

9. 发明授权

US09038914B2 Method and system for simulating a proximity-based transaction device 有权
标题翻译：用于模拟基于近邻的交易设备的方法和系统
公开(公告)号：US09038914B2
公开(公告)日：2015-05-26
申请号：US12668184
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： G06K19/00 , G06K19/06 , G06K7/08 , G06K5/00 , G06K7/00 , G06K17/00 , G06K7/10
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. 发明授权

US08442796B2 Method and system for simulating a proximity-based transaction device 有权
标题翻译：用于模拟基于近邻的交易设备的方法和系统
公开(公告)号：US08442796B2
公开(公告)日：2013-05-14
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： G06F19/00
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。

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