Patent application number | Description | Published |
20080235144 | Pre-authenticated identification token - An identification token such as a proximity payment device may be integrated with a wristwatch. For security purposes, the identification token may be disabled when removed from the user's wrist. The identification token may be re-enabled by interaction with a docking station or personal computer at the user's residence. | 09-25-2008 |
20090026277 | REMOVABLY SECURING SMALL CONTACTLESS PAYMENT CARD TO ELECTRONIC DEVICE - A holder for a contactless payment card includes a substrate that has a first side and a second side that is opposite to the first side. There is an adhesive material on the first side of the substrate. The holder also includes at least one sheet that is joined to the substrate to form a pouch. The second side of the substrate faces the pouch. The pouch is shaped and sized to securely hold a contactless integrated circuit identification card that has no more than half of a planar extent defined for the standard ID-1 identification card. | 01-29-2009 |
20090065575 | METHOD FOR USE IN ASSOCIATION WITH IDENTIFICATION TOKEN AND APPARATUS INCLUDING IDENTIFICATION TOKEN - In some embodiments, a method comprises: sensing at least one of movement and position of an identification token; determining if a criteria is satisfied; and enabling operation of the identification token if the criteria is satisfied; wherein determining if the criteria is satisfied comprises determining if the at least one of movement and position satisfies a reference criteria; and wherein the sensor comprises a sensor to provide a signal indicative of at least one of movement and position of the identification token prior to presentation to a proximity coupling device. In some embodiments, apparatus comprises: an identification token comprising: a sensor to provide a signal indicative of at least one of movement and position of the identification token; circuitry, to receive the signal, to determine if a criteria is satisfied, and to enable operation of the identification token if the criteria is satisfied; wherein the circuitry comprises circuitry to determine if the at least one of movement and position satisfies a reference criteria wherein the sensor comprises a sensor to provide a signal indicative of at least one of movement and position of the identification token prior to presentation to a proximity coupling device. | 03-12-2009 |
20090065587 | IDENTIFICATION TOKEN AND METHOD OF MAKING IDENTIFICATION TOKEN - In accordance with some embodiments, a method includes enabling operation of an RFID integrated circuit of a first card in an identification token using a first switch; and enabling operation of an RFID integrated circuit of a second card in an identification token using a second switch. In accordance with some embodiments, an identification token includes: a first card including an RFID integrated circuit; a second card including an RFID integrated circuit; a first switch to enable operation of the RFID integrated circuit of the first card; and a second switch to enable operation of the RFID integrated circuit of the second card. | 03-12-2009 |
20090100511 | METHOD AND APPARATUS FOR USE IN PERSONALIZING IDENTIFICATION TOKEN - According to some embodiments, a method comprises: storing, in a personalization token, information to personalize an identification token; issuing the personalization token to an account holder; and transmitting the information from the personalization token to the identification token using a wireless interface. According to some embodiments, apparatus comprises: a personalization token issued to an account holder, the personalization token comprising: information to personalize an identification token; and a wireless communication interface to transmit the information to the identification token. | 04-16-2009 |
20090108060 | METHOD AND APPARATUS FOR USE IN PROVIDING AN IDENTIFICATION TOKEN - According to some embodiments, a method comprises: providing a card sized to fit within a card personalization machine, the card including a surface defining at least a portion of a recess; inserting at least a portion of a sub-card into the recess; providing adhesive between the surface and the sub-card to releasably retain the at least a portion of the sub-card within the recess; and personalizing the sub-card, using the card personalization machine, while the at least a portion of the sub-card is within the recess. According to some embodiments, apparatus comprises: a card defining a recess; a sub-card, at least a portion of the sub-card being inserted into the recess; adhesive to releasably retain the at least a portion of the sub-card within the recess; and a card personalization machine to personalize the sub-card while the at least a portion of the sub-card is within the recess; wherein the card is sized to fit within the card personalization machine. According to some embodiments, a method comprises: providing a card sized to fit within a card personalization machine, the card defining a recess; inserting at least a portion of a sub-card into the recess; releasably adhering a cover across at least a portion of the card to retain the at least a portion of the sub-card within the recess; and personalizing the sub-card, using the card personalization machine, while the at least a portion of the sub-card is within the recess. According to some embodiments, apparatus comprises: a card; a sub-card; a cover releasably adhered across at least a portion of the card to retain the sub-card with the card; and a card personalization machine to personalize the sub-card while the sub-card is retained with the card; wherein the card is sized to fit within the card personalization machine. | 04-30-2009 |
20090166407 | METHODS AND APPARATUS FOR USE IN ASSOCIATION WITH SECURITY PARAMETER - In accordance with some embodiments, a method comprises transmitting at least one signal, via a wireless interface, from an identification token issued to an account holder to a communication device issued to the account holder; receiving at least one signal from the communication device via the wireless interface; and resetting a security parameter in the identification token in response at least in part to receiving the at least one signal from the communication device. In accordance with some embodiments, apparatus comprises an identification token issued to an account holder, the identification token to transmit at least one signal, via a wireless interface, to a communication device issued to the account holder, to receive at least one signal from the communication device via the wireless interface, and to reset a security parameter in the identification token in response at least in part to receiving the at least one signal from the communication device. | 07-02-2009 |
20090166408 | METHODS AND APPARATUS FOR USE IN DOCKING - In accordance with some embodiments, apparatus comprises a body defining: a first seat to receive a first device having a wireless communication interface; and a second seat to receive a second device having a wireless communication interface; a first wireless communication interface supported by the body to communicate with the wireless communication interface of the first device; and a second wireless communication interface supported by the body to communicate with the wireless communication interface of the second device. In accordance with some embodiments, apparatus comprises a body comprising a flexible pad; a first communication interface supported by the flexible pad, the first communication interface comprising a first wireless communication interface to communicate with a wireless communication interface of a first device; a second communication interface supported by the flexible pad; and a controller supported by the flexible pad to couple the first wireless communication interface to the second communication interface. In accordance with some embodiments, a method comprises: receiving a first device having a wireless communication interface on a body of a dock; receiving a second device having a wireless communication interface on a body of a dock; communicating with the wireless communication interface of the first device using a first wireless communication interface supported by the body of the dock; and communicating with the wireless communication interface of the second device using a second wireless communication interface supported by the body of the dock. | 07-02-2009 |
20090166420 | METHODS AND APPARATUS FOR PERSONALIZING MERCHANT DEVICE FOR RECEIVING CONTACTLESS PAYMENTS - A method includes receiving a contactless smart card. The method further includes bringing the contactless smart card into proximity with a merchant device so as to transfer information from the contactless smart card to the merchant device. The transferred information enables the merchant device to receive contactless payments. | 07-02-2009 |
20090166428 | METHODS AND APPARATUS FOR USE IN ASSOCIATION WITH MEDIA - According to some embodiments, a method comprises providing a media including a plurality of coupled pages, the plurality of coupled pages including at least one printed page defined by at least one printed sheet; coupling at least one RF identification token to the at least one printed sheet; and storing information in the at least one RF identification token, the information including information regarding a plurality of products. According to some embodiments, apparatus comprises a media including a plurality of coupled pages, the plurality of coupled pages including at least one printed page defined by at least one printed sheet; and at least one RF identification token coupled to the at least one printed sheet, the at least one RF identification token including stored information regarding a plurality of products. | 07-02-2009 |
20090170559 | MOBILE TELEPHONE WITH TWO ANTENNAS FOR USE IN CONTACTLESS PAYMENTS - A mobile telephone includes conventional features such as a housing, a speaker, a microphone, an antenna by which voice signals are transmitted and received, and electronic circuitry which handles the sending and receiving of voice signals. The mobile telephone includes two more antennas, one adjacent the front surface of the housing, and the other adjacent the rear surface of the housing. In addition, the mobile telephone includes a payment circuit that is mounted in the housing and coupled to the latter two antennas. The payment circuit is operative to selectively receive a customer's payment card account number via one or both of the latter two antennas. | 07-02-2009 |
20090204525 | PAYMENT DEVICE TO ISSUER COMMUNICATION VIA AUTHORIZATION REQUEST - A method includes receiving a transaction authorization request in a server computer. The transaction authorization request is for the purpose of authorizing a payment card account transaction. The method further includes parsing the discretionary data field defined in the transaction authorization request, to receive information regarding a payment device that initiated the payment card account transaction. | 08-13-2009 |
20090272802 | PAYMENT TRANSACTIONS INITIATED VIA A USER'S SHOE - A method includes wearing a shoe on a user's foot. The shoe incorporates a proximity payment device. The method also includes bringing the shoe into proximity with a proximity reader to make or evidence a payment. | 11-05-2009 |
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 |
20090303250 | CARD IMAGE DESCRIPTION FORMAT TO ECONOMIZE ON DATA STORAGE - A mobile telephone displays an image of a payment card in connection with a contactless payment function implemented in the mobile telephone. The mobile telephone constructs the payment card image from separate image elements. Data which represents at least some of the image elements is stored in an image data format which includes at least some dedicated storage fields for the various image elements. | 12-10-2009 |
20090307132 | ENHANCED USER INTERFACE FOR CONTACTLESS PAYMENT FUNCTION IN MOBILE TELEPHONE - A payment card account number is downloaded to a contactless payment application program stored in a mobile telephone. In association with the payment card account number, at least one image that represents a payment card is also downloaded to the contactless payment application program stored in the mobile telephone. The at least one card payment card image displays the downloaded payment card account number. | 12-10-2009 |
20100006655 | SUB-CARD PERSONALIZATION PROCESS USING TEMPORARY ANTENNA - A method includes providing an integrated circuit (IC) card that has a first size and is carried as part of a surrounding card. The surrounding card has a second size that is larger than the first size. The IC card includes an IC. The method further includes coupling a temporary antenna to the IC. In addition, the method includes transmitting to the IC via the temporary antenna an account number for storage in the IC. The account number is to be accessed with use of the IC card. Still further, the method includes detaching the temporary antenna from the IC, and installing the IC card in a wristwatch, wristband or bracelet to couple the IC to a second antenna included in the wristwatch, wristband or bracelet. | 01-14-2010 |
20100044442 | PROXIMITY IDENTIFICATION CARD WITH OPTIMALLY SIZED ANTENNA AND SHIELDED LABEL - A mailable assembly includes a backing sheet and a proximity identification card adhered by its rear surface to the backing sheet. The card includes a plastic body, a radio frequency identification (RFID) chip embedded in the plastic body, and an antenna embedded in the plastic body and coupled to the RFID chip. The assembly also includes a protective label adhered to the front surface of the card. The label includes an adhesive layer by which the label is adhered to the card and at least one conductive layer for shielding the antenna from RF radiation. | 02-25-2010 |
20100072283 | HOLDER FOR SMALL IDENTIFICATION CARD - An article of manufacture includes a plastic substrate. The substrate has a first side and a second side that is opposite to the first side, with an adhesive material on the first side of the substrate. The article of manufacture further includes a ferrite layer on the second side of the plastic substrate. In addition, the article of manufacture includes a top sheet formed of plastic. The top sheet is joined to the substrate to form a pouch between the top sheet and the ferrite layer. The pouch is shaped and sized to hold a contactless integrated circuit (IC) identification card that has no more than half of a planar extent defined for the standard ID-1 identification card. The top sheet has a thickness of not more than about 0.2 mm. | 03-25-2010 |
20100163616 | METHODS AND APPARATUS FOR USE IN ASSOCIATION WITH IDENTIFICATION TOKEN - In some embodiments, a method includes supporting an identification token, issued to an account holder by a non-card shaped body of a device; communicating with a proximity coupling device via a wireless interface of the identification token; electrically connecting a communication device to an electrical connector attached to the non-card shaped body; and resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device. In some embodiments, the non-card shaped body of the device is a non-card shaped body of a device issued to the account holder. In some embodiments, the communication device is a communication device issued to the account holder. In some embodiments, an apparatus includes an identification token having a wireless interface; a non-card shaped body that encloses the identification token; and an electrical connector attached to the non-card shaped body and adapted to be electrically connected to a communication device; the identification token to communicate with a proximity coupling device via the wireless interface, and to reset a security parameter in the identification token in response, at least in part, to at least one signal from the communication device. | 07-01-2010 |
20100176935 | PRE-AUTHENTICATED IDENTIFICATION TOKEN - An identification token such as a proximity payment device may be integrated with a wristwatch. For security purposes, the identification token may be disabled when removed from the user's wrist. The identification token may be re-enabled by interaction with a docking station or personal computer at the user's residence. | 07-15-2010 |
20100182764 | REMOVABLY SECURING SMALL CONTACTLESS PAYMENT CARD VIA REMOVABLE ACCESSORY TO ELECTRONIC DEVICE - An apparatus includes a portable electronic device and an article of manufacture. The article of manufacture includes a first mechanism for securing the article of manufacture to the portable electronic device. The article of manufacture also includes a second mechanism for defining a slot. The second mechanism is coupled to the first mechanism. The slot is shaped and sized to receive and securely hold a contactless integrated (IC) identification card. The card in question has no more than half of the planar extent defined for a standard ID-1 identification card. | 07-22-2010 |
20100187298 | DRINKING VESSEL THAT HAS A SLOT IN WHICH A CONTACTLESS SMART CARD IS INSERTED - A food container is in combination with a contactless smart card. The food container has a slot formed therein. The slot is shaped and sized to hold the smart card. The smart card was inserted into the slot. | 07-29-2010 |
20100217707 | AUTOMATED OPENING OF ELECTRONIC WALLET FUNCTION IN MOBILE DEVICE - A method includes bringing a mobile device into proximity with an indicium, the indicium adjacent a radio frequency identification (RFID) integrated circuit (IC), the RFID IC coupled to an antenna. The method further includes the mobile device reading a message from the RFID IC, where the message is transmitted by the RFID IC via the antenna. The method further includes the mobile device responding to the message by opening an electronic wallet function in the mobile device. | 08-26-2010 |
20100248779 | CARDHOLDER VERIFICATION RULE APPLIED IN PAYMENT-ENABLED MOBILE TELEPHONE - A method includes equipping a mobile telephone with a payment capability, and storing a cardholder verification rule in the mobile telephone. The method further includes the mobile telephone applying the stored rule to determine whether to require a user of the mobile telephone to perform a cardholder verification process. | 09-30-2010 |
20100317318 | METHODS AND APPARATUS FOR PROVIDING PRE-PAID PAYMENT CAPABILITY ON MOBILE TELEPHONE - A method includes receiving an over-the-air message from a mobile telephone. The message requests top-up of a prepaid payment capability in the mobile telephone. The method further includes authorizing the requested top-up. In addition, the method includes transmitting an over-the-air response to the mobile telephone. The response indicates to the mobile telephone that the top-up is authorized. | 12-16-2010 |
20110000968 | PAYMENT DEVICE HAVING APPEAL FOR STATUS CONSUMERS - An identification token includes a plastic body and an RFID IC embedded or contained in the body. An antenna is also embedded or contained in the body and is coupled to the RFID IC. A metallic coating is formed on the plastic body and is sufficiently thin so as permit wireless RF communication between the RFID IC and a proximity reader via the antenna. A clear protective coating is formed on the metallic coating so as to allow the metallic coating to be visible to a holder of the identification token. | 01-06-2011 |
20110017836 | IDENTIFICATION TOKEN AND METHOD OF MAKING IDENTIFICATION TOKEN - In accordance with some embodiments, a method includes enabling operation of an RFID integrated circuit of a first card in an identification token using a first switch; and enabling operation of an RFID integrated circuit of a second card in an identification token using a second switch. In accordance with some embodiments, an identification token includes: a first card including an RFID integrated circuit; a second card including an RFID integrated circuit; a first switch to enable operation of the RFID integrated circuit of the first card; and a second switch to enable operation of the RFID integrated circuit of the second card. | 01-27-2011 |
20110024181 | SYSTEM AND METHOD FOR PROTECTION AGAINST SKIMMING OF INFORMATION FROM CONTACTLESS CARDS - Contactless payment cards with on-card microchips are transported in mailers with RF shielding. The RF shielding is designed to prevent communication with and skimming of information from the contactless cards enclosed in the mailers while in transit. | 02-03-2011 |
20110101112 | METHOD, APPARATUS, ASSEMBLY AND KIT FOR IDENTIFICATION TOKEN - In some embodiments, an identification token assembly includes: a card-shaped plastic body having a first edge and a second edge, said plastic body having a scored line formed therein, the plastic body including a subcard body extending from the first edge of the plastic body to the second edge of the plastic body, the scored line adapted to allow the subcard body to be manually snapped off from the plastic body; a radio frequency identification (RFID) integrated circuit (IC) supported by the subcard body; and an antenna supported by the subcard body and coupled to the RFID IC to transmit a signal generated by the RFID IC. In some embodiments, a kit includes: a first assembly including an identification token assembly; and a second assembly including: a body; a holder releasably attached to the body, the holder including a seat adapted to receive the subcard body after the subcard body is snapped off from the plastic body. In some embodiments, an assembly includes: a generally flat body; a carrier attached to the generally flat body, the carrier defining a seat; and a holder releasably received in the seat of the carrier, the holder defining a seat to receive an identification token. In some embodiments, a method includes: providing a card-shaped plastic body having a first edge and a second edge; scoring said plastic body from the first edge of the plastic body to the second edge of the plastic body to define a subcard body extending from the first edge of the plastic body to the second edge of the plastic body, the scored line adapted to allow the subcard body to be manually snapped off from the plastic body; supporting a radio frequency identification (RFID) integrated circuit (IC) and an antenna with the subcard body; and coupling the antenna to the RFID IC. | 05-05-2011 |
20110112918 | METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE - 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. | 05-12-2011 |
20110112920 | METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE - 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. | 05-12-2011 |
20110184823 | INCENTIVE PROGRAM FOR POINT-OF-SALE OPERATORS - A method includes receiving point-of-sale (POS) operator identification information via a POS terminal. The POS operator identification information identifies an individual POS operator. The method further includes receiving transaction information indicative of an amount paid for a transaction and a mode of payment for the transaction. In addition, the method includes assigning incentive points to an account that belongs to the individual POS operator, based at least in part on the mode of payment and the POS operator identification information. | 07-28-2011 |
20110195748 | ENHANCED SECURITY FEATURE FOR PAYMENT-ENABLED MOBILE TELEPHONE - A method includes providing a mobile device. The mobile device is programmed with a payment application program, an environment program that supports application programs, and a user interface application program. When the user interface application program is initiated, the initiation of the program includes sending a message from the user interface application program to the payment application program to clear a PIN (personal identification number) verification status flag. | 08-11-2011 |
20110238539 | METHODS FOR RISK MANAGEMENT IN PAYMENT DEVICE SYSTEM - A method includes setting a risk management limit to be applied to authorized purchase transactions for a payment card account. The method further includes detecting that purchase transactions for the payment card account have approached the risk management limit and sending a message to the account holder to notify the account holder that the risk management limit is imminent. In addition, the method includes detecting that the account holder has requested re-setting of the risk management limit and then re-setting the risk management limit. | 09-29-2011 |
20110259966 | IDENTIFICATION OF INSTALLABLE CARD - In accordance with some embodiments, a method includes providing an integrated circuit (IC) card having a first size and carried as part of a surrounding card having a second size larger than the first size, the IC card including an IC, the IC card having a perimeter defining the IC card within the surrounding card; and printing a payment card account number within the perimeter. In accordance with some embodiments, an identification token includes a carrier having a body; a card including an RFID integrated circuit and information printed within a perimeter of the card; a bridge joining the card to the carrier; an antenna; and an electrically conductive connection running along the bridge, the electrically conductive connection coupling the RFID IC to the antenna. In accordance with some embodiments, a method includes providing a carrier having a body; providing a card including an RFID integrated circuit and a perimeter; providing a bridge joining the card to the carrier; providing an antenna and an electrically conductive connection running along the bridge, the electrically conductive connection coupling the RFID IC to the antenna; and printing information within the perimeter. In accordance with some embodiments, a method includes providing an integrated circuit (IC) card attached to a surrounding card, the IC card including an IC, the IC card having a perimeter defining the IC card within the surrounding card; and printing information within the perimeter. | 10-27-2011 |
20110263292 | CONTACTLESS PAYMENT CARD OPTIMIZED FOR ATTACHMENT TO MOBILE SMART PHONE - A payment card includes an ID-1-sized plastic body, which has a left edge, a right edge, a top edge and a bottom edge. The payment card also includes an integrated circuit (IC) embedded in the plastic body. The IC stores a payment card account number. Also included in the payment card is an antenna that is coupled to the IC for the purpose of selectively transmitting the payment card account number from the payment card. The antenna is embedded or printed on the plastic body and configured such that no portion of the antenna is closer than about one inch from the right edge of the plastic body. In addition, the payment card includes a magnetic stripe formed on the rear surface of the plastic body and storing the payment card account number. | 10-27-2011 |
20110303747 | METHOD FOR USE IN ASSOCIATION WITH IDENTIFICATION TOKEN AND APPARATUS INCLUDING IDENTIFICATION TOKEN - In some embodiments, a method comprises: sensing at least one of movement and position of an identification token; determining if a criteria is satisfied; and enabling operation of the identification token if the criteria is satisfied; wherein determining if the criteria is satisfied comprises determining if the at least one of movement and position satisfies a reference criteria; and wherein the sensor comprises a sensor to provide a signal indicative of at least one of movement and position of the identification token prior to presentation to a proximity coupling device. In some embodiments, apparatus comprises: an identification token comprising: a sensor to provide a signal indicative of at least one of movement and position of the identification token; circuitry, to receive the signal, to determine if a criteria is satisfied, and to enable operation of the identification token if the criteria is satisfied; wherein the circuitry comprises circuitry to determine if the at least one of movement and position satisfies a reference criteria wherein the sensor comprises a sensor to provide a signal indicative of at least one of movement and position of the identification token prior to presentation to a proximity coupling device. | 12-15-2011 |
20120021722 | ENFORCING TIME-OUT PERIODS IN PAYMENT-ENABLED MOBILE DEVICE - A mobile device includes a housing and an antenna mounted in or on the housing. The antenna is for transmitting and receiving transaction signals to and from a point of sale (POS) terminal. The device also includes at least one user interface element mounted on the housing and a transceiver mounted in the housing and coupled to the antenna. Still further, the device includes a secure element mounted in the housing. The secure element is coupled to the transceiver and stores a payment application program. The payment application program is for handling exchanging of the transaction signals with the POS terminal. A tick counter is operated within the secure element. The tick counter is for enforcing at least one time-out period with respect to transactions handled by the payment application program. | 01-26-2012 |
20120109828 | PRE-AUTHENTICATED IDENTIFICATION TOKEN - A wearable identification token includes a housing, a transmitter for transmitting user identification data to a proximity reader, a switch for switching the identification token between an enabled state and a disabled state, and a sensor for detecting removal of the housing from the user's body. The switch is responsive to the sensor to switch the identification token from the enabled state to the disabled state in response to the housing being removed from the user's body, and is responsive to a signal received from a trusted electronic device to switch the identification token from the disabled state to the enabled state. | 05-03-2012 |
20120116903 | REMOVABLY SECURING SMALL CONTACTLESS PAYMENT CARD TO ELECTRONIC DEVICE - A holder for a contactless payment card includes a substrate that has a first side and a second side that is opposite to the first side. There is an adhesive material on the first side of the substrate. The holder also includes at least one sheet that is joined to the substrate to form a pouch. The second side of the substrate faces the pouch. The pouch is shaped and sized to securely hold a contactless integrated circuit identification card that has no more than half of a planar extent defined for the standard ID-1 identification card. | 05-10-2012 |
20120122520 | PAYMENT-ENABLED MOBILE TELEPHONE ASSEMBLY - A payment-enabled mobile device assembly includes a carrying case configured for attachment to a portable electronic device and that includes an aperture for accepting an integrated circuit (IC) identification card. The IC identification card has a card body and includes electronic components, and in some embodiments a shield layer is provided to shield the electronic components of the IC identification card from electronic components of the portable electronic device. In addition, when the IC identification card is inserted into the aperture at least a portion of the front surface is visible through the aperture. | 05-17-2012 |
20120168503 | SUPER-CASING FOR CONTACTLESS READER - A contactless reader includes a housing with a front wall oriented to face users of contactless identification tokens. The front wall has an outer surface that bears a first indicia indicating a location at which the contactless identification tokens are to be presented. The contactless reader also includes an antenna and electronic components within the housing for wirelessly sending data to and receiving data from contactless identification tokens. In addition, a casing is provided that attaches to the housing to cover the front wall of the housing and to cover the first indicia, wherein the casing has an outer surface bearing a second indicia that indicates the location at which the contactless identification tokens are to be presented. | 07-05-2012 |
20120168504 | TWO-PART READER FOR CONTACTLESS CARDS - Pursuant to some embodiments, systems, methods, apparatus and means for operating two-part contactless card readers are provided. In some embodiments, the two-part contactless card reader is installed in association with a transaction counter, where the transaction counter has a first surface and a second surface. Pursuant to some embodiments, the device includes a customer-facing unit installed on a first surface of the transaction counter, a base unit installed on a second surface of the transaction counter, the second surface apart from the first surface, where the first surface and the second surface are separated by a substantially solid material with no aperture formed therethrough. The base unit includes electronic components for generating interrogation signals for interrogating contactless cards, the electronic components also for receiving card data signals from the contactless cards, the card data signals indicative of card data stored in the contactless cards. The customer-facing unit includes at least one indicia for indicating, to a user of a contactless card, a location at which the contactless card is to be presented to the contactless card reader. | 07-05-2012 |
20120310760 | MOBILE DEVICE AUTOMATIC CARD ACCOUNT SELECTION FOR A TRANSACTION - Methods, apparatus and systems are described for the automatic selection of a payment card account for use in a purchase transaction by a payment-enabled mobile device. In some embodiments, a user configures her mobile device so that it will automatically select a particular payment card account when certain predefined criteria are met. In an implementation, the process includes providing, by a processor on a display component of the mobile device, a payment card account menu that includes a representation of each of a plurality of payment card accounts of the user. After the mobile device receives an indication of a selection, a card account use criteria sub-menu is displayed that includes a plurality of criteria that defines circumstances under which that particular payment card account will be automatically selected for a transaction. The mobile device processor then receives criteria data selected by the user and stores the selected criteria data in association with an identifier of the particular payment card account in the mobile device memory. In some embodiments, the mobile device processor automatically selects the particular payment card account for use in a payment transaction based at least in part on the stored criteria data. | 12-06-2012 |
20130097080 | TAP AND WIRELESS PAYMENT METHODS AND DEVICES - 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. | 04-18-2013 |
20130109446 | MOBILE DEVICE OUTPUT TEST SETTING | 05-02-2013 |
20130110719 | METHOD AND SYSTEM FOR MULTIPLE PAYMENT APPLICATIONS | 05-02-2013 |
20130297512 | CARDHOLDER VERIFICATION RULE APPLIED IN PAYMENT-ENABLED MOBILE TELEPHONE - A method includes a cardholder device receiving at least one cardholder verification rule from a computer, and storing the cardholder verification rule. The cardholder verification rule prescribes circumstances under which a cardholder is required to perform a cardholder verification process in connection with a purchase transaction. The method includes the cardholder device receiving purchase transaction information from a merchant device, and then determining by using the stored cardholder verification rule, and based on at least one of the received purchase transaction information and current circumstances, that cardholder verification is not required. The cardholder device then uploads payment information to the merchant device to complete the purchase transaction. | 11-07-2013 |
20140037220 | IMAGE REPOSITORY SYSTEMS AND METHODS - A service card image repository and directory is described. A process includes receiving a request to store at least one service image and related data, determining that the service image has been approved, and then uploading the service image and related data. The method also includes assigning a unique identifier to the service image and related data, and storing the service image and related data in an image repository. Some embodiments include receiving a request to download a service image and related data, locating the requested service image, determining that the requested service image requires transcoding and/or scaling, and then transcoding and/or scaling the requested service image to form a modified service image. The modified service image is then transmitted to an entity. | 02-06-2014 |
20140068742 | PRE-AUTHENTICATED IDENTIFICATION TOKEN - A pre-authenticated token system includes an identification token having a switch, a transmitter and receiver circuit, and a sensor; a docking station having control circuitry, a transmit/receive circuit and an antenna; a personal computer; and an authentication server computer. The personal computer transmits security information to the authentication server, receives authentication information, and transmits an authentication signal to the docking station. The docking station receives the authentication signal, enters an authentication mode, and transmits the authentication signal to the identification token. The sensor of the identification token detects removal of the identification token from the user's body, and the switch then responds by disabling the identification token to prevent transmission of identification data. | 03-06-2014 |
20140101036 | METHODS AND SYSTEMS FOR CONDUCTING REMOTE POINT OF SALE TRANSACTIONS - Systems, methods, apparatus and computer program code are provided for operating a mobile device to conduct a transaction which include obtaining, by a mobile device operating a mobile payment application, a transaction payload from a merchant, extracting a payment gateway identifier from the transaction payload and establishing a secure communication channel with a payment gateway identified by the payment gateway identifier, receiving, from the payment gateway, item data associated with the transaction, the item data obtained by the payment gateway from the merchant, and receiving, from a user operating the mobile device, a confirmation to complete the transaction using a payment account associated with the user and transmitting the confirmation to the payment gateway with payment account credentials associated with the payment account. | 04-10-2014 |
20140188640 | ENFORCING TIME-OUT PERIODS IN PAYMENT-ENABLED MOBILE DEVICE - A mobile device includes a housing and an antenna mounted in or on the housing for exchanging transaction signals with a point-of-sale (POS) terminal. The mobile device also includes a user interface element, a transceiver coupled to the antenna, and a secure element including processing circuitry and a secure tick counter. The secure element stores a payment application operable to conduct a pre-sign procedure selected by a user before interfacing with a point-of-sale (POS) terminal. The processing circuitry verifies the user, obtains a first tick value, sets the mobile device into a transaction-enabled state, obtains, when the transceiver is interfaced with a POS terminal, a current tick value from the secure tick counter, calculates a difference value between the current tick value and the first tick value, and enforces a risk management decision. | 07-03-2014 |
20140203083 | TWO-PART READER FOR CONTACTLESS CARDS - Pursuant to some embodiments, systems, methods, apparatus and means for operating two-part contactless card readers are provided. In some embodiments, the two-part contactless card reader is installed in association with a transaction counter, where the transaction counter has a first surface and a second surface. Pursuant to some embodiments, the device includes a customer-facing unit installed on a first surface of the transaction counter, a base unit installed on a second surface of the transaction counter, the second surface apart from the first surface, where the first surface and the second surface are separated by a substantially solid material with no aperture formed therethrough. The base unit includes electronic components for generating interrogation signals for interrogating contactless cards, the electronic components also for receiving card data signals from the contactless cards, the card data signals indicative of card data stored in the contactless cards. The customer-facing unit includes at least one indicia for indicating, to a user of a contactless card, a location at which the contactless card is to be presented to the contactless card reader. | 07-24-2014 |
20140206311 | METHODS AND APPARATUS FOR PROVIDING PRE-PAID PAYMENT CAPABILITY ON MOBILE TELEPHONE - A method includes a processor of a mobile telephone receiving a top-up request for an offline balance in an offline payment application of the mobile telephone, and opening an over-the-air (OTA) connection to a top-up authorization server computer. The user is prompted to enter a monetary amount for the offline balance and to enter a form of authentication. The method also includes receiving a monetary amount input and a user authentication input, authenticating the user, calculating a cryptogram and transmitting an OTA top-up request message to the top-up authorization server computer. In addition, the method includes receiving an OTA response indicating authorization of the top-up request and including a script. The processor then executes the script to increase the offline balance stored in the mobile telephone by the monetary amount. | 07-24-2014 |
20140209672 | METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE - A payment-enabled mobile device receives, during a first tap of the mobile device on a proximity reader component of a point of sale (POS) terminal, first transaction context data for a current transaction, and receives during a second tap of the mobile device on the proximity reader component, second transaction context data for the current transaction. When the mobile device determines that the second tap is for the same transaction as the first tap, and that one of a customer verification method (CVM) status or a user acknowledgment status flag has been set, then it transmits a payment card account number to the POS terminal to consummate the transaction. | 07-31-2014 |
20140209673 | AUTOMATED OPENING OF ELECTRONIC WALLET FUNCTION IN MOBILE DEVICE - A method includes bringing a mobile device into proximity with an indicium, the indicium adjacent a radio frequency identification (RFID) integrated circuit (IC), the RFID IC coupled to an antenna. The method further includes the mobile device reading a message from the RFID IC, where the message is transmitted by the RFID IC via the antenna. The method further includes the mobile device responding to the message by opening an electronic wallet function in the mobile device. | 07-31-2014 |
20140250018 | DUAL/MULTIPLE PIN PAYMENT ACCOUNT - The present invention relates to a method of authorising a transaction process, whereby a communication between a payment device and a payment processing network is established. Subsequently a transaction is initialised at the payment device, the input of a first User Identification Metric (UIM) is requested, the input of a second UIM is requested, the first and second UIMs are verified and the transaction process proceeds if both UIMs are verified. | 09-04-2014 |
20140337233 | METHODS, APPARATUS AND MEDIA FOR USE IN ASSOCIATION WITH IDENTIFICATION TOKEN AND/OR IN DOCKING - In accordance with some embodiments, apparatus comprises a body defining: a first seat to receive a first device having a wireless communication interface; and a second seat to receive a second device having a wireless communication interface; a first wireless communication interface supported by the body to communicate with the wireless communication interface of the first device; and a second wireless communication interface supported by the body to communicate with the wireless communication interface of the second device. In accordance with some embodiments, apparatus comprises a body comprising a flexible pad; a first communication interface supported by the flexible pad, the first communication interface comprising a first wireless communication interface to communicate with a wireless communication interface of a first device; a second communication interface supported by the flexible pad; and a controller supported by the flexible pad to couple the first wireless communication interface to the second communication interface. In accordance with some embodiments, a method comprises: receiving a first device having a wireless communication interface on a body of a dock; receiving a second device having a wireless communication interface on a body of a dock; communicating with the wireless communication interface of the first device using a first wireless communication interface supported by the body of the dock; and communicating with the wireless communication interface of the second device using a second wireless communication interface supported by the body of the dock. | 11-13-2014 |
20140344166 | SYSTEM AND METHOD FOR MOBILE PIN SYNCHRONIZATION - The present invention relates to a method and system for synchronising a personal identification number (PIN) value stored in a mobile computing device, with a PIN value stored on a remote server. | 11-20-2014 |
20150019439 | Systems and Methods Relating to Secure Payment Transactions - Systems and methods are provided for processing a transaction to enable an issuer of a physical transaction device to process a transaction message relating to a digital transaction device, where the digital transaction device is a digitized counterpart of the physical transaction device. In connection therewith, a transaction processing system is configured to receive the transaction message including a digital device data set associated with the digital transaction device; identify a physical device data set that corresponds to the digital device data set from a group of paired physical device data sets and respective digital device data sets; modify the transaction message to include the identified physical device data set to form a modified transaction message; and communicate the modified transaction message to the issuer of the physical transaction device. | 01-15-2015 |
20150088745 | ACCOUNT IDENTIFICATION - A method of account identification is performed on suitably programmed computing apparatus. An account number comprising a plurality of numeric characters is assigned to an account. The characters of the account number are divided into a numeric identifier and a convertible string. The convertible string is compressed into a compressed convertible string using an expanded character set. There are fewer characters in the compressed convertible string than in the uncompressed convertible string. A compressed account number is provided comprising the numeric identifier and the compressed convertible string. This may then be used in transactions without compromising the original account number while retaining the identifier for use in identifying transactions. A method of performing a transaction is also described, as is suitable apparatus for carrying out the methods described. | 03-26-2015 |