Patent application number | Description | Published |
20100332387 | Method, Apparatus, and Computer Program Product for Allowing Payment Cards Issued for Only Limited Duration Use to be Reused Multiple Times to Reduce the Overall Cost of Issuance - A recyclable contactless payment device is issued to a first patron of a venue. Use of the contactless payment device at the venue by the first patron is facilitated, as is return of the contactless payment device by the first patron for recycling. The contactless payment device is deactivated and stored. The issuing and facilitation of use are repeated for at least a second patron of the venue, with the same recyclable contactless payment device. | 12-30-2010 |
20120011062 | Apparatus and Method for Dynamic Offline Balance Management for Preauthorized Smart Cards - A smart payment device is issued to a user; the device is capable of both offline and online transactions and has a total available balance split. The split is between an available offline balance and an available online balance. It is determined whether the user has entered a primarily offline environment or will imminently enter a primarily offline environment. If this is so, the total available balance split is redistributed to favor offline transactions. | 01-12-2012 |
20120173423 | LOCAL MANAGEMENT OF PAYMENT TRANSACTIONS - It is determined whether a payment device has come into association with a special spending environment. If so, an authorization and guarantee for a predetermined amount of funds to cover multiple transactions within the special spending environment is requested from an issuer of the payment device. If successful, a balance, based on the predetermined amount of funds, is established on a local authorization platform that is associated with the special spending environment and that is separate from the issuer of the payment device. A series of purchases with the payment device, within the special spending environment, is tracked. For each given purchase of the series of purchases, the balance is adjusted to reflect the value of the given purchase. At some point, it is determined that the series of purchases is ended. An additional step includes, subsequent to determining that the series of purchases is ended, communicating with the issuer to request payment as to only that portion of the predetermined amount of funds actually spent in the series of purchases. A further step includes facilitating an immediate release of the guarantee as to that portion of the predetermined amount of funds not actually spent in the series of purchases. The immediate release is subsequent to determining that the series of purchases is ended. A special callback command to summon back funds is also contemplated. | 07-05-2012 |
20130212025 | MECHANISM TO ALLOW THE USE OF DISPOSABLE CARDS ON A SYSTEM DESIGNED TO ACCEPT CARDS CONFORMING TO THE STANDARDS OF THE GLOBAL PAYMENTS INDUSTRY - At a terminal assembly associated with a physical access point, payment device data is obtained from a reduced-functionality payment device, and the data is identified as emanating from such a device. In response, the payment device data emanating from the reduced-functionality payment device is converted into an authorization request or an access request, of a format consistent with full-functionality payment devices. The authorization request or access request is dispatched into a payment infrastructure which is configured to handle same, but is not configured to handle the reduced-functionality payment device. | 08-15-2013 |
20140129441 | SYSTEMS AND METHODS FOR AUTHORIZING SENSITIVE PURCHASE TRANSACTIONS WITH A MOBILE DEVICE - Systems, apparatus and methods are presented that enable an issuer financial institution (FI) to contact a financial account holder concerning a possibly fraudulent purchase transaction via a non-intrusive notification transmitted to a mobile device. An embodiment includes receiving, by the cardholder's mobile device, a transaction alert message, providing an indication of the transaction alert message, and displaying transaction alert information along with a validate indicator and a decline indicator. The process also includes receiving a selection of the validate indicator, prompting the cardholder to enter a mobile personal identification number (mPIN), validating the mPIN, and then transmitting a validation signal to an issuer FI. | 05-08-2014 |
20140143108 | MOBILE DEVICE PROVISIONING FRAMEWORK SYSTEM - Described are systems, apparatus and methods for simplifying and streamlining mobile payment device provisioning. A mobile device provisioning framework system includes a plurality of components that interact by using standard interface specifications and standard messaging specifications to facilitate the provisioning of mobile devices. In an embodiment, a mobile device provisioning framework system provides standardized interface specifications, standardized messaging specifications, and a plurality of predetermined mobile device standard profiles. The mobile device provisioning framework system receives a selection of a standard profile from an issuer computer, and then provisions a consumer's mobile device based on the selected standard profile. | 05-22-2014 |
20140164237 | METHOD AND SYSTEM FOR SHARING AND DISTRIBUTING CONTENT DURING A CONSUMER EXPERIENCE - A method for funding and sharing an experience includes: reading a code encoded with an identifier; transmitting the identifier; receiving details for a transaction, the details including a transaction amount; displaying the amount to a consumer; receiving an indication of transaction options; transmitting the transaction options for processing the transaction; receiving an indication of transaction approval; and displaying a prompt to share experience information with a social network. A method for distributing content includes: storing details for a transaction, the details including an identifier, an amount, and a stage; receiving a content request including an identification; identifying specific details where the identifier corresponds to the identification; transmitting content based on the stage included in the specific details where if the stage indicates the transaction is to be processed the content includes the amount included in the specific details; and receiving an indication of approval of the financial transaction. | 06-12-2014 |
20140191029 | METHODS, APPARATUS, COMPUTER PROGRAM PRODUCTS AND ARTICLES FOR USE IN PROVIDING HUMAN UNDERSTANDABLE INDICATION OF ACCOUNT BALANCE - In accordance with some embodiments, a method includes receiving, in a proximity coupling system, holder consent to provide a human understandable indication of an account balance associated with a payment account; and providing a human understandable indication of the account balance associated with the payment account via an output device, in response at least in part to the consent; wherein receiving holder consent comprises receiving holder consent provided via a proximity payment device associated with the payment account. In accordance with some embodiments, a method includes storing account data and preference data in a proximity payment device, the preference data indicative of a preferred method to provide a human understandable indication of an account balance. In accordance with some embodiments, apparatus includes a proximity payment device, the proximity payment device including preference data, the preference data indicative of a preferred method to provide a human understandable indication of an account balance. In accordance with some embodiments, apparatus includes a proximity payment device wherein the proximity payment device generates data indicative of whether there is consent to provide a human understandable indication of an account balance based at least in part on whether a holder has actuated a switch. | 07-10-2014 |
20140236821 | METHOD AND SYSTEM FOR THE TRANSMISSION OF AUTHENTICATED AUTHORIZATION REQUESTS - A method for verifying the source of an authorization request includes: storing an integrated circuit card (ICC) master key; receiving an authorization request for a transaction, wherein the request includes an ICC dynamic number, and the ICC dynamic number is extracted from signed data, based on the ICC master key, generated by a payment card during combined data authentication (CDA); verifying the authenticity of the ICC dynamic number using the stored ICC master key; and transmitting the authorization request to a third party. A method for transmitting an authentic authorization request includes: storing payment card data, the data including an ICC master key associated with the payment card; authenticating the card data using CDA to generate signed data; extracting, from the signed data, an ICC dynamic number based on the ICC master key; and transmitting an authorization request for a transaction, the request including the extracted ICC dynamic number. | 08-21-2014 |
Patent application number | Description | Published |
20080217413 | METHOD AND APPARATUS FOR A CONTACTLESS SMARTCARD INCORPORATING A MECHANICAL SWITCH - An apparatus and method for providing a radio frequency identification (RFID) card, the card including a card inlay; an antenna positioned on the card inlay, a RFID integrated circuit (IC) on the card inlay, a pressure-sensitive switch including an electrode structure located on or in the card inlay and coupled to the antenna and the RFID IC via the electrode structure, the pressure-sensitive switch having an electrical resistance that varies with a pressure applied to the switch, and a dam of material in a vicinity around of the pressure-sensitive switch to provide a barrier against a lateral pressure being applied to the switch. | 09-11-2008 |
20090230197 | METHOD AND APPARATUS FOR A CONTACTLESS SMARTCARD INCORPORATING A MECHANICAL SWITCH - An apparatus and method for providing a radio frequency identification (RFID) card, the card including a card inlay; an antenna positioned on the card inlay; a RFID integrated circuit (IC) located on the card inlay; an electrode structure; a switch located on or in the card inlay and, when actuated, coupled to the antenna and the RFID IC via the electrode structure. The switch further includes a conductive layer aligned with but positioned spaced apart from the electrode structure; and a compressible material to hold the conductive layer in the spaced apart position and to compress under pressure when the switch is actuated to permit the conductive layer to contact the electrode structure. | 09-17-2009 |
20090272815 | PROXIMITY PAYMENT CARD WITH PRINTED INDICATION OF SWITCH LOCATION - An identification token includes a body and an RFID IC embedded in the body. An antenna is also embedded in the body and is coupled to the RFID IC. A switch is embedded in the body and coupled to at least one of the RFID IC and the antenna. The switch is located at a switch location in the body. The switch is actuatable by being pressed by a user's finger. The identification token also includes a printed indication on the body for indicating the switch location to the user of the identification token. | 11-05-2009 |
20100174612 | METHODS, APPARATUS AND ARTICLES FOR USE IN ASSOCIATION WITH TOKEN - In some embodiments, a method comprises receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associating the token with the payment account in response at least in part to the request. In some embodiments, a method comprises issuing a token to a customer before the token is associated with a payment account; and arranging for the customer to have an ability to request that the token be associated with a payment account and usable as a payment token. In some embodiments, a method comprises receiving a mapping associating an identifier of a token with a payment account; receiving the identifier from a point of sale system; and determining the payment account based at least in part on the mapping and the identifier received from the point of sale system. In some embodiments, apparatus comprises: a processing system to: receive a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associate the token with the payment account in response at least in part to the request. In some embodiments, apparatus comprises: a processing system to: receive a mapping associating an identifier of a token with a payment account; receive the identifier from a point of sale system; and determine the payment account based at least in part on the mapping and the identifier received from the point of sale system. | 07-08-2010 |
20100176948 | METHDS AND SYSTEMS FOR ACTIVATING A PROXIMITY INFORMATION DEVICE - A proximity information device includes a body, a radio frequency identification (RFID) integrated circuit (IC) supported by the body, and a threshold detector coupled to the RFID IC. The RFID IC is operative to transmit a response message in response to an interrogation signal if the threshold detector indicates that a detected magnetic and electric field and the relative strength of magnetic field compared to the electric field satisfy a predetermined threshold. | 07-15-2010 |
20100181376 | METHODS, APPARATUS, COMPUTER PROGRAM PRODUCTS AND ARTICLES FOR USE IN PROVIDING HUMAN UNDERSTANDABLE INDICATION OF ACCOUNT BALANCE - In accordance with some embodiments, a method includes receiving, in a proximity coupling system, holder consent to provide a human understandable indication of an account balance associated with a payment account; and providing a human understandable indication of the account balance associated with the payment account via an output device, in response at least in part to the consent; wherein receiving holder consent comprises receiving holder consent provided via a proximity payment device associated with the payment account. In accordance with some embodiments, a method includes storing account data and preference data in a proximity payment device, the preference data indicative of a preferred method to provide a human understandable indication of an account balance. In accordance with some embodiments, apparatus includes a proximity payment device, the proximity payment device including preference data, the preference data indicative of a preferred method to provide a human understandable indication of an account balance. In accordance with some embodiments, apparatus includes a proximity payment device wherein the proximity payment device generates data indicative of whether there is consent to provide a human understandable indication of an account balance based at least in part on whether a holder has actuated a switch. | 07-22-2010 |
20120160921 | PROXIMITY PAYMENT DEVICE WITH ACTIVE SWITCH - An identification token includes a body and an RFID IC embedded in the body. An antenna is also embedded in the body and is coupled to the RFID IC. A control integrated circuit (CIC) is embedded in the body and coupled to the antenna. A sensor is embedded in the body and is coupled to the CIC. The sensor is actuatable by a user of the identification token. | 06-28-2012 |
20130067216 | IN-MARKET PERSONALIZATION OF PAYMENT DEVICES - Systems and methods for remotely personalizing payment devices for consumers are described. In an embodiment, a system includes a MOTAPS server computer that provides data preparation functions and a trusted service provider (TSP) personalization server computer. The system also includes a service provider computer operably coupled to the TSP personalization server computer, and a remote personalization device (RPD) operably coupled to the service provider computer. The RPD transmits personalization requests, receives personalization data, and personalizes a payment device before providing the personalized payment device to a consumer. | 03-14-2013 |
20140101034 | METHODS AND SYSTEMS FOR PREPAID MOBILE PAYMENT STAGING ACCOUNTS - Prepaid staging account systems and methods are described that allow issuer financial institutions to quickly and efficiently launch NFC device payment programs. In an embodiment, a staging account provider computer receives a request to provision a mobile account. The staging account provider computer generates a mobile account PAN and associates it with a funding account PAN, and transmits a personalization request to personalize a payment application for the cardholder's mobile device to a trusted service manager (TSM) computer. The staging account provider computer receives a status confirmation message from the TSM computer indicating that the payment application has been personalized and loaded onto the cardholder's mobile device, and then transmits a mobile account initialization message that includes the mobile account PAN to the primary issuer. | 04-10-2014 |
20140101035 | SYSTEM AND METHODS FOR ISSUANCE OF A MOBILE PAYMENT ACCOUNT - Methods and apparatus for provisioning a payment account on a mobile device at a location such as a retail store in conjunction with a purchase. A method includes a personalization server computer receiving payment account information of a consumer and a mobile payment account information request message from a merchant device, the message including information identifying the make and model of a mobile device being considered for purchase and a mobile network operator (MNO) identifier. The personalization server computer verifies the payment account information, determines a provisioning response message that includes information identifying at least one provisioning option, and transmits the provisioning response message to the merchant device for presentation to the consumer. | 04-10-2014 |
20150039494 | PAIRED WEARABLE PAYMENT DEVICE - The present invention relates to an electronic device | 02-05-2015 |
Patent application number | Description | Published |
20080308505 | System and Process for Removal of Phosphorous and Ammonia from Aqueous Streams - We disclose a process for the removal of phosphorous and ammonia from an aqueous stream by contacting the aqueous stream with magnesium and base in a first zone having a first pH, to form an (n−1)th mixed stream and a first portion of struvite; separating the (n−1)th mixed stream from the first portion of struvite; removing at least some struvite from the first portion of struvite; contacting the (n−1)th mixed stream with base in an nth zone, wherein n is an integer incrementing from 2 to n | 12-18-2008 |
20090095286 | Cereal Refining Process - A process including steeping cereal kernels in an aqueous liquid, producing softened cereal; milling the softened cereal, producing a milled cereal comprising germ, protein, starch, and fiber; separating at least some of at least one material selected from the group consisting of germ, starch, and protein from the milled cereal, producing at least one of germ, starch, and a first protein portion, and also producing a first fiber portion that comprises fiber and starch, and a light steep water that comprises protein; separating at least some protein from the light steep water, producing a second protein portion and a process water that comprises protein; converting at least some of the starch in the first fiber portion to saccharides; separating at least some of the saccharides from the first fiber portion, producing saccharides and a second fiber portion that comprises fiber; and burning at least some of the fiber from the second fiber portion, producing a flue gas and a first quantity of energy; wherein the process further comprises at least one step selected from the group consisting of least partially powering at least one previous step with the first quantity of energy; and drying at least one separated material selected from the group consisting of the germ, the starch, the first protein portion, the second protein portion, and the saccharides with the flue gas, producing a dried separated material and a dryer exhaust. In one further embodiment, the process further includes digesting anaerobically the biologically available organic residues from the process water, producing a biogas and a final waste water. In a still further embodiment, the process further includes burning the biogas to produce a second quantity of energy and at least partially powering at least one previous step with the second quantity of energy. | 04-16-2009 |
20090238918 | Corn Wet Milling Process - A corn wet-milling process comprises steeping corn kernels in an aqueous liquid, which produces softened corn; milling the softened corn in a first mill, which produces a first milled corn; separating germ from the first milled corn, thereby producing a germ-depleted first milled corn; milling the germ-depleted first milled corn in a second mill, producing a second milled corn; separating the second milled corn into a first starch/protein portion that comprises starch and protein and a first fiber portion that comprises fiber, starch, and protein; milling the first fiber portion in a third mill, which produces a milled fiber material that comprises fiber, starch, and protein; separating at least some of the starch and protein in the milled fiber material from the fiber therein, producing a second fiber portion that comprises fiber and starch and a second starch/protein portion that comprises starch and protein; and contacting the second fiber portion with at least one enzyme to convert at least some of the starch therein to dextrose. The converted material is screened using one or more screens to separate the fiber from the liquor. The liquor can be fermented to ethanol, or refined to dextrose. The fiber can be pressed and dried as an animal feed. | 09-24-2009 |
Patent application number | Description | Published |
20100147157 | Improvements In or Relating to Beverage Preparation Machines - A delivery head for a beverage preparation machine comprising a movable first part, a fixed second part and a cartridge guide; the first part being movable between an open position and a clamping position; the cartridge guide being operatively engaged with the first part and slidably movable relative to the second part between a loading position and a dispensing position; the cartridge guide being located in the loading position when the first part is in the open position so as to enable loading of a cartridge into the cartridge guide; wherein on movement of the first part into the clamping position the cartridge guide is slidable into the dispensing position due to the operative engagement of the cartridge guide with the first part. | 06-17-2010 |
20100147872 | Improvements In Or Relating to Beverage Preparation Machines - A delivery head for a beverage preparation machine comprising a clamping member and a base, wherein the clamping member is movable relative to the base, the clamping member being sequentially movable from an open position, through a clamping position to an ejection position, the clamping position being intermediate the open position and the ejection position, in the open position the clamping member being positioned to enable loading of a cartridge into the delivery head, the clamping member being clampable against said cartridge in the clamping position, the clamping member being movable relative to the base from the clamping position to the ejection position to enable transportation and ejection of said cartridge. | 06-17-2010 |
20100147873 | Improvements In Or Relating To Beverage Preparation Machines And Beverage Cartridges - A delivery head for a beverage preparation machine comprising: an upwardly directed inlet for supplying water to a cartridge received in the delivery head; a downwardly directed outlet for outflow of beverage; a barcode reader having a barcode reader window through which signals may be transmitted; wherein the inlet, the outlet and the barcode reader window are arranged in a line with the outlet being intermediate the inlet and the barcode reader window. | 06-17-2010 |
20100192779 | Beverage Preparation Machines - A delivery head for a beverage preparation machine comprising a movable first part and a fixed second part, the first part being movable relative to the second part between an open position and a closed position, in the open position the first part being positioned to enable loading of a cartridge into the delivery head, in the closed position the first part and second part being positioned to hold said cartridge in a dispensing position, the delivery head further comprising an inlet piercer and an outlet piercer, the inlet piercer and the outlet piercer being orientated substantially in the same direction and being pivotable relative to the fixed second part between a retracted position and a piercing position. | 08-05-2010 |