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1. 发明申请

US20180165910A1 SOFT TOUCH RESIN AND TRANSACTION CARD COMPRISING THE SAME 审中-公开
公开(公告)号：US20180165910A1
公开(公告)日：2018-06-14
申请号：US15720527
申请日：2017-09-29
申请人： Capital One Services, LLC
发明人： Om J. Suthar
IPC分类号： G07F7/08
CPC分类号： G07F7/0806 , B29K2995/0073 , B32B2274/00 , B32B2425/00 , B42D25/29 , B42D25/40 , C08K2201/009 , C08L2207/04 , G06K19/0772 , G06Q20/357
摘要： Apparatuses and methods are provided for manufacturing a transaction card. The disclosed apparatuses and methods may be used to form a transaction card frame configured to house a data storage component. The card frame may be formed of a resin mixture comprising a thermoplastic elastomer (TPE). The card frame may also have a Shore D hardness in the range of 20-80.

2. 发明申请

US20180144163A1 ANTENNA DECOUPLED FROM PROGRAMMABLE SMART CARD 审中-公开
公开(公告)号：US20180144163A1
公开(公告)日：2018-05-24
申请号：US15568366
申请日：2016-04-22
申请人： CENTER ID
发明人： Dietmar Wennemer , Max Rahm , Marc Meunier , Vahid Moosavi , Todd R. Paleczny
IPC分类号： G06K7/10 , G06K19/077 , G06Q20/34
CPC分类号： G06K19/0725 , G06F21/34 , G06F21/35 , G06K7/10297 , G06K7/10336 , G06K19/06206 , G06K19/072 , G06K19/07788 , G06Q20/341 , G06Q20/352 , G06Q20/357 , G06Q20/3576 , G07F7/0806
摘要： Systems and methods are provided for a smart card to emulate chip cards and/or magnetic stripe cards. A smart card may attach to a device that programs the smart card to emulate the chip cards and/or the magnetic stripe cards. The base device may carry information regarding each card to be emulated, and may display a representation of such cards to be emulated on a touch display of the base device. A user may select a card to be emulated by interacting with the touch display. The smart card may include an antenna and a contact area, and two contacts of the contact area may provide an electrical path from the base device to the antenna of the smart card.

3. 发明申请

US20180004962A1 INFORMATION PROCESSING APPARATUS AND METHOD, RECORDING MEDIUM, AND PROGRAM 审中-公开
公开(公告)号：US20180004962A1
公开(公告)日：2018-01-04
申请号：US15692743
申请日：2017-08-31
申请人： Sony Corporation
发明人： Satoshi Yoshida , Isao Itoh
IPC分类号： G06F21/60 , G06Q10/08 , G06F17/30 , G07F7/10 , G06Q20/34
CPC分类号： G06F21/60 , G06F16/162 , G06Q10/087 , G06Q20/341 , G06Q20/3563 , G06Q20/357 , G06Q20/3576 , G07F7/1008
摘要： Information processing apparatus and method, recording medium, and program are provided. An information processing apparatus includes the following elements. A receiver receives a command requesting for the execution of predetermined processing. A storage unit stores data and first information indicating, among a plurality of stages in a lifecycle of the information processing apparatus, the current stage determined by the stored data and second information indicating an executable command in the current stage, the executable command being determined for each of the plurality of stages. A determining unit determines on the basis of the first information and the second information whether the command received by the receiver is an executable command in the current stage.

4. 发明授权

US09846873B2 Trusted internal interface 有权
公开(公告)号：US09846873B2
公开(公告)日：2017-12-19
申请号：US14611091
申请日：2015-01-30
申请人： Visa International Service Association
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
IPC分类号： G06Q20/20 , G06Q20/30 , G06Q20/36 , G06Q20/32 , G06Q20/34 , G06Q20/10 , G06Q30/06 , G07F7/10 , G06Q30/02
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.

5. 发明授权

US09836736B1 Augmented reality numberless transaction card 有权
公开(公告)号：US09836736B1
公开(公告)日：2017-12-05
申请号：US15272869
申请日：2016-09-22
申请人： Wells Fargo Bank, N.A.
发明人： John Ross Neale , William R. Breed , Jasvir K. Singh , Geraldine M. Carolan , Kristine Collings , Kourtney Eidam
IPC分类号： G06K5/00 , G06Q20/32 , G06Q20/40 , G06T11/00 , G06F3/16 , G06F3/0488
CPC分类号： G06Q20/327 , G06F3/0488 , G06F3/16 , G06K1/128 , G06K19/06206 , G06K19/0723 , G06Q20/341 , G06Q20/352 , G06Q20/355 , G06Q20/357 , G06Q20/4014 , G06Q20/409 , G06T11/00 , G07F7/0866
摘要： A method implemented on an augmented reality (AR) electronic device includes receiving a request to activate a transaction card account on a transaction card. The transaction card account is activated on the transaction card. A virtual representation of account information corresponding to the transaction card account is displayed on the AR electronic device. The exterior of the transaction card is free of account identifying information.

6. 发明申请

US20160335531A1 DYNAMIC SECURITY CODES, TOKENS, DISPLAYS, CARDS, DEVICES, MULTI-CARD DEVICES, SYSTEMS AND METHODS 审中-公开
标题翻译：动态安全码，玩具，显示器，卡，设备，多卡设备，系统和方法
公开(公告)号：US20160335531A1
公开(公告)日：2016-11-17
申请号：US15153380
申请日：2016-05-12
申请人： Dynamics Inc.
发明人： Jeffrey D. Mullen , Andrew Veter , Jason Dyro
IPC分类号： G06K19/073 , G06Q20/34 , G06K7/08 , G06K19/077 , G06K19/06 , G06K19/07
CPC分类号： G06K19/07345 , G06K7/087 , G06K19/06112 , G06K19/06196 , G06K19/0702 , G06K19/07709 , G06Q20/357 , G06Q20/3572
摘要： A dynamic code of a transaction device may be validated by a remote processor by comparing the dynamic code to a verification code generated using a timestamp and identification data received from the transaction device. A static code may replace the dynamic code for authorization processing. A remote verification processor may synchronize to the transaction device using the timestamp. A token may be associated to each communication interface of a multi-card transaction device. A display may be directly connected to driver circuit on a display board of a transaction card. A radio IC chip may be included in a powered card. A multi-card device may toggle a plurality of display screens to display transaction data.
摘要翻译：交易设备的动态代码可以由远程处理器通过将动态代码与使用时间戳生成的验证码和从交易设备接收的识别数据进行比较而被验证。静态代码可以替代用于授权处理的动态代码。远程验证处理器可以使用时间戳同步到事务设备。令牌可以与多卡交易设备的每个通信接口相关联。显示器可以直接连接到交易卡的显示板上的驱动器电路。无线IC芯片可以包括在动力卡中。多卡设备可以切换多个显示屏幕以显示交易数据。

7. 发明授权

US09107238B2 Information processing device, information processing method, and program 有权
标题翻译：信息处理装置，信息处理方法和程序
公开(公告)号：US09107238B2
公开(公告)日：2015-08-11
申请号：US13682067
申请日：2012-11-20
申请人： FeliCa Networks, Inc.
发明人： Atsuo Yoneda
IPC分类号： H04B1/38 , H04M1/00 , H04W88/04 , G06Q20/32 , G06Q20/34
CPC分类号： H04W88/04 , G06Q20/32 , G06Q20/352 , G06Q20/357
摘要： An information processing device that includes processing devices and a relay device. Each processing device has at least one processing function associated with a unique function information item, a function determination portion, and a device information item notification portion. The function determination portion determines whether the processing device includes a processing function that corresponds to a function information item received from the relay device. If the processing device has the processing function, the device information item notification portion transmits a device information item to the relay device. The relay device includes a storage portion that stores the device information items, a function information item transmission portion, and a device information item recording portion.
摘要翻译：一种包括处理装置和中继装置的信息处理装置。每个处理设备具有与唯一功能信息项，功能确定部分和设备信息项通知部分相关联的至少一个处理功能。功能确定部分确定处理装置是否包括与从中继装置接收的功能信息项相对应的处理功能。如果处理装置具有处理功能，则设备信息项目通知部分将设备信息项发送给中继设备。中继装置包括存储装置信息项的存储部，功能信息项发送部和装置信息项记录部。

8. 发明申请

US20150206132A1 ENCODING DATA IN MULTIPLE FORMATS 有权
标题翻译：在多个格式中编码数据
公开(公告)号：US20150206132A1
公开(公告)日：2015-07-23
申请号：US14671798
申请日：2015-03-27
申请人： SQUARE, INC.
发明人： Thomas Templeton , Daniel Jeffrey Post , Dominique Gilbert Toppani , Alex Sutton
IPC分类号： G06Q20/34 , H04L29/06
CPC分类号： G06Q20/353 , G06K7/01 , G06K7/087 , G06Q20/204 , G06Q20/3567 , G06Q20/357 , G07F7/0866 , G07F7/0873 , G07F7/0893 , H04L65/60 , H04L69/22
摘要： Methods, systems, and apparatus, including computer programs encoded on computer storage media, for modulating card information between a card reader and a user device. One of the methods includes receiving, from a read head of the card reader, card information associated with a card. The card information is encoded in a first format to be sent to the user device at a first data rate. The card information is encoded in a second format to be sent to the user device at a second data rate lower than the first data rate. The card information is sent to the user device encoded in the first format and the second format.
摘要翻译：方法，系统和装置，包括在计算机存储介质上编码的计算机程序，用于在读卡器和用户设备之间调制卡信息。一种方法包括从读卡器的读取头接收与卡相关联的卡信息。卡信息以第一格式编码，以第一数据速率发送到用户设备。卡信息以第二格式编码，以低于第一数据速率的第二数据速率发送到用户设备。卡信息被发送到以第一格式和第二格式编码的用户设备。

9. 发明申请

US20150066620A1 METHOD AND APPARATUS FOR SMART PAYMENT INSTRUMENT SELECTION 审中-公开
标题翻译：智能付款仪器选择的方法和装置
公开(公告)号：US20150066620A1
公开(公告)日：2015-03-05
申请号：US14538512
申请日：2014-11-11
申请人： AOL Inc.
发明人： James Roskind
IPC分类号： G06Q20/36 , G06Q20/22 , G06Q30/02
CPC分类号： G06Q20/367 , G06Q20/02 , G06Q20/04 , G06Q20/102 , G06Q20/12 , G06Q20/227 , G06Q20/24 , G06Q20/341 , G06Q20/357 , G06Q30/0222 , G06Q30/06 , G07F7/1008
摘要： A method and apparatus is provided for constructing and using a smart wallet, i.e. a repository of payment instruments, such as, for example, credit cards, with automatic selection when making a purchase in an online environment. In one embodiment of the invention, the wallet service first finds the intersection of acceptable instruments between a merchant and a user. For example, the invention matches a list of user held credit cards against a list of acceptable credit cards at a merchant. The wallet service then intelligently selects, or at least ranks in order, the payment instruments based on value to the customer. The ranking can take into account: a) cash back rates; b) mileage rates for the specific potential purchase; and c) temporal discounts such as shipping or coupon discounts for the specific product type; etc. The act of automatically making a selection of a payment instrument, such as a credit card, in an online environment is analogous to what a human does when buying things at a store. The advantage is that an automatic system can integrate all the discount notices and coupons that are typically mailed to a cardholder. The system preferably presumes that a smart wallet is given information about a transaction, and has collected information about the payment instruments.
摘要翻译：提供了一种方法和装置，用于构建和使用智能钱包，即在在线环境中进行购买时具有自动选择的诸如信用卡的支付工具的存储库。在本发明的一个实施例中，钱包服务首先在商家和用户之间找到可接受的乐器的交集。例如，本发明将用户持有的信用卡的列表与商家的可接受的信用卡的列表相匹配。钱包服务然后根据客户的价值智能地选择或至少排列支付工具。排名可以考虑到：a）现金回报率; b）特定潜在购买的里程费率; 和c）特定产品类型的时间折扣，如运费或优惠券折扣; 在在线环境中自动选择支付工具（例如信用卡）的行为类似于人们在商店购买东西时做的。优点是自动系统可以将通常邮寄给持卡人的所有折扣通知和优惠券集成。系统优选地假设智能钱包被给予关于交易的信息，并且已经收集关于支付工具的信息。

10. 发明申请

US20150039520A1 PERSONAL SECURE INFORMATION DEVICE (PSID) 审中-公开
标题翻译：个人安全信息设备（PSID）
公开(公告)号：US20150039520A1
公开(公告)日：2015-02-05
申请号：US13958275
申请日：2013-08-02
申请人： Mark T. Polivka
发明人： Mark T. Polivka
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/357 , G06Q20/347 , G06Q2220/00
摘要： A secure data transmission device: employs a proprietary arrangement of individualized encodable micro-machined electromagnets embedded in a compact, plastic (or apt substrate) which insulates each electromagnet from one another. The electromagnets mimic the magnetic strip on a credit card, but have the capability to temporarily capture data, and then transmit said data to be read by a magstripe terminal. The electromagnetic device can receive, and momentarily capture a variety of data, depending on which digital data is chosen by user. It then converts that data it to an analog signal, and then by using such components as microphone amplifier, a digital-to-analog converter, and microprocessor in the mobile device, transmits that data to the secure information device, which can write that data to a magnetic card terminal. The secure transmission device can be rewritten over and over again each time the user has a separate transaction, using different transaction data.
摘要翻译：一种安全的数据传输装置：采用独立编码的微加工电磁铁的专有布置，嵌入一个将每个电磁铁互相隔离的紧凑型塑料（或适合的基板）中。电磁铁模拟信用卡上的磁条，但具有临时捕获数据的能力，然后发送要由磁条终端读取的数据。根据用户选择的数字数据，电磁装置可以接收并瞬间捕获各种数据。然后将该数据转换为模拟信号，然后通过使用移动设备中的麦克风放大器，数模转换器和微处理器等组件，将该数据发送到可写入该数据的安全信息设备到磁卡终端。每当用户使用不同的交易数据进行单独的交易时，安全传输设备可以被重写一遍又一遍。

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