Patent application number | Description | Published |
20080251580 | APPARATUS AND METHOD FOR INTEGRATED PAYMENT AND ELECTRONIC MERCHANDISE TRANSFER - 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. | 10-16-2008 |
20100044433 | METHODS AND SYSTEMS TO REMOTELY ISSUE PROXIMITY PAYMENT DEVICES - Pursuant to some embodiments, methods, apparatus, systems, devices, and means for issuing a payment device from a remote dispensing device are provided which include receiving a request to purchase a payment device from the remote dispensing device, the request including a load amount. Device information is read from a pre-personalized payment device in the remote dispensing device, and a request is made to an issuer of the pre-personalized payment device, for personalization data to personalize the pre-personalized payment device. In some embodiments, the request is sent over a secure authenticated session established between a module of the dispensing device and the issuer. The personalization data is loaded in the pre-personalized payment device to create a personalized payment device, and the personalized payment device is dispensed for use by a consumer. | 02-25-2010 |
20100274722 | APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR RECOVERING TORN SMART PAYMENT DEVICE TRANSACTIONS - Initial presentation of a payment device to a payment terminal assembly, in connection with a putative transaction, is facilitated. The payment device includes a payment device memory storing a device-side payment application, with an on-device balance, and at least one payment device processor coupled to the payment device memory. The payment terminal assembly includes a terminal memory, storing a terminal-side payment application, and at least one terminal processor coupled to the terminal memory. A first command is sent from the payment terminal assembly to the payment device to compute a cryptogram to complete the putative transaction. It is detected that the cryptogram is not received as expected. In response, an identifier of the payment device and transaction recovery data associated with the putative transaction are stored in a storage area of the terminal memory. The payment terminal assembly obtains the identifier of the payment device, upon re-presentation of the payment device to the payment terminal assembly. Upon the re-presentation of the payment device to the payment terminal assembly, the payment terminal assembly compares the obtained identifier of the payment device to contents of the storage area. Conditioned at least upon the comparing yielding a match, a second command is sent from the payment terminal assembly to the payment device. The second command instructs the payment device to re-produce the cryptogram to complete the putative transaction. | 10-28-2010 |
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 |
20110244799 | SYSTEMS AND METHODS FOR OPERATING TRANSACTION TERMINALS - Methods, systems and apparatus are provided including a proximity payment device reader which includes a reader control program to control a process to execute process, where a first process is executed upon receipt of an activation signal, the activation signal indicating the initiation of a transaction involving a proximity payment device with the reader, the first process causing at least a first signal to be transmitted to a second process, the second process causing the transmission of at least a second signal to the proximity payment device through a transceiver. In some embodiments, the first process and the second process each have a queue in which received signals are placed and handled in a first in first out basis allowing the processes to run concurrently with each other. In some embodiments, the processes may be executed to compare at least a portion of application data received from the payment device to data stored in a transaction log of the reader device to determine if the proximity payment device was recently involved in an interrupted transaction at said reader device, and if the proximity payment device was recently involved in an interrupted transaction at the reader, transmitting a signal to the proximity payment device to attempt to retry the interrupted transaction. | 10-06-2011 |
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 |
20120072344 | TECHNIQUES FOR TRANSACTION ADJUSTMENT - Techniques are provided for transaction adjustment. A payment device, having an offline balance, is presented to an offline terminal in connection with a putative transaction. If an irregularity with the putative transaction is detected, the offline balance is adjusted responsive to the detection. In one aspect of the invention, such adjustment can be carried out, via offline-terminal interaction, substantially without the use of a security module and cryptographic keys in the offline terminal. | 03-22-2012 |
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 |
20130024363 | PAYMENT APPARATUS AND METHOD - Techniques are provided for updating an offline parameter of a payment device having an online-capable application and a primarily offline application. The offline parameter can be a counter reflective of an offline spending balance. The same parameter can be shared between the applications, or cross-application visibility of the parameter can be provided. When a requirement to update the offline parameter is determined, the offline parameter can be updated substantially contemporaneously with an online transaction. The updates can be transparent to the user, allowing substantial duplication of the debit card and/or credit card experience with an offline payment device. | 01-24-2013 |
20130185167 | FINANCIAL TRANSACTION METHOD AND SYSTEM HAVING AN UPDATE MECHANISM - A payment device and method and system for using the payment device is described capable of utilizing a pre-authorized amount on existing infrastructure, including POS terminals or for using offline pre-paid products on this infrastructure. The updates for the pre-authorized or offline prepaid products can be sent by the issuer and applied by the card contemporaneously with the card's processing of the issuer authentication data but without requiring any additional bytes in the issuer authentication data. The updates performed by the issuer can be larger and more extensive than could be achieved by using any available space in the issuer authentication data. | 07-18-2013 |
20130282459 | METHODS AND APPARATUS FOR STANDARD APPROACH TO COUPON SELECTION - 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. | 10-24-2013 |
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 |
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 |
20140291395 | METHODS AND SYSTEMS TO REMOTELY ISSUE PROXIMITY PAYMENT DEVICES - Methods and apparatus for issuing a payment device from a remote dispensing device are provided. In an embodiment, a dispensing device receives a purchase request including a load amount, to purchase a proximity payment device. The dispensing device reads proximity payment device information from a stored pre-personalized proximity payment device, establishes a secure communications channel with a security terminal, encrypts a personalization data request, transmits it to the proximity device issuer server, and receives an encrypted personalization message. The dispensing device then decrypts the encrypted personalization message to obtain personalization data, writes the personalization data and the load amount to the pre-personalized proximity payment device, and then dispenses the personalized proximity payment device. | 10-02-2014 |
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 |
Patent application number | Description | Published |
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 |
20090103730 | APPARATUS AND METHOD FOR USING A DEVICE CONFORMING TO A PAYMENT STANDARD FOR ACCESS CONTROL AND/OR SECURE DATA STORAGE - 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. | 04-23-2009 |
20090172678 | Method And System For Controlling The Functionality Of A Transaction Device - A method and system of controlling the functionality of a transaction device, the method includes providing a computing device for accessing an account corresponding to the transaction device. The computing device generates a list of a plurality of transaction functions associated with the transaction device. The method includes providing an option to disable and enable one or more of the transaction functions in response to a user input. In response to the user input disabling one of the transaction functions, an instruction is generated preventing the transaction device from being used for the disabled transaction function. | 07-02-2009 |
20100252624 | APPARATUS AND METHOD FOR INTEGRATED PAYMENT AND ELECTRONIC MERCHANDISE TRANSFER - Interrogation of an electronic device by a first terminal is facilitated, to obtain an account number associated with the electronic device. The electronic device is configured according to a payment specification. The first terminal has a first terminal payment module configured according to the payment specification and a first terminal electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to the first terminal payment module to permit transfer of non-payment e-merchandise related information from the first terminal electronic merchandise module to the first terminal payment module. The interrogation of the electronic device is performed by the first terminal payment module. Generation of non-payment e-merchandise related information by the first terminal electronic merchandise module is facilitated. Transfer of the non-payment e-merchandise related information from the first terminal electronic merchandise module to the electronic device via the first terminal payment module, within a transaction between the electronic device and the first terminal payment module that is conducted in accordance with the payment specification, is also facilitated. The non-payment e-merchandise related information is stored on the electronic device in accordance with the payment specification. The electronic device and the first terminal independently calculate a summary data item. The first terminal calculates a first message authentication code based on the non-payment e-merchandise related information and a terminal-calculated value of the summary data item. The non-payment e-merchandise related information is stored on the electronic device together with an electronic device-calculated value of the summary data item and the first message authentication code. | 10-07-2010 |
20110309154 | PAYMENT DEVICE WITH AUDIO AND/OR VISUAL CAPABILITY AND ASSOCIATED METHOD - A payment device includes a memory, a processor coupled to the memory, a communications module coupled to the processor and configured to interact with a payment terminal, a sound-producing element coupled to the processor, and an associated body portion. The memory is configured to store at least one representation of at least one sound and the processor is configured to cause the sound-producing element to produce a sound corresponding to the at least one representation of the at least one sound when such representation is stored in the memory, responsive to the communications module interacting with the payment terminal, substantially without usage of a battery on the device. Visual stimuli can be employed in addition to or in lieu of sounds. Sounds can be downloaded to devices with or without batteries, as part of a service offering. | 12-22-2011 |
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 |
20130246269 | APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR RECOVERING TORN SMART PAYMENT DEVICE TRANSACTIONS - A first command is sent from a payment terminal assembly to a payment device with an on-device balance to compute a cryptogram to complete a putative transaction. It is detected that the cryptogram is not received as expected. In response, an identifier of the payment device and transaction recovery data associated with the putative transaction are stored in a storage area of a terminal memory of the payment terminal assembly. The payment terminal assembly obtains the identifier of the payment device, upon re-presentation of the payment device. Upon such re-presentation, the payment terminal assembly compares the obtained identifier of the payment device to contents of the storage area. Conditioned at least upon the comparing yielding a match, a second command is sent from the payment terminal assembly to the payment device to instruct the payment device to re-produce the cryptogram to complete the putative transaction. | 09-19-2013 |
Patent application number | Description | Published |
20090254924 | OPERATING SYSTEM INTERFACES FOR VIRTUAL WIFI AND SOFTAP CAPABLE DRIVERS - Some embodiments of the invention provide an interface between programmed instructions (e.g., an operating system) and a miniport driver configured to communicate with radio hardware on a computer. The interface may include components operable to invoke various wireless connectivity-related functionality implemented by the radio hardware and/or miniport driver. The functionality may, for example, include a capability whereby the computer may maintain simultaneous connections on a plurality of wireless networks using a single radio, and/or a capability whereby the computer may function as an access point for a wireless network. | 10-08-2009 |
20090290520 | WIRELESS NETWORK HOST IN SILENT MODE - An access point that implements operating modes in which beacons may be selectively disabled. Beacons may be disabled when no device is actively associated through the access point. Beacons may be enabled in response to one or more triggers, which may include events such as a client forming an association through the access point following a probe request message identifying the access point. In addition, active beaconing may be triggered by user input or may occur during periodic brief intervals that allow client devices to discover the network identifier for the access point. Selective control of beaconing may lead to more effective wireless communication, particularly in areas where users congregate with computers implementing soft APs for personal networks. | 11-26-2009 |
20100115146 | Pairing Service Technologies - Pairing service technologies is described. In embodiment(s), peripheral devices can be discovered, such as by a computer device, and a peripheral device can be configured with multiple services that each correspond to one or more data communication protocols. The multiple services of the peripheral device can be determined, and a pairing sequence can be prioritized for the multiple services. The data communication protocol(s) can then be paired according to the pairing sequence to configure the multiple services of the peripheral device. | 05-06-2010 |
20100157960 | WIRELESS ACCESS POINT SUPPORTING CONTROL BY MULTIPLE APPLICATIONS - A computing device configurable as a wireless network access point that can be controlled from multiple applications. The computing device provides an interface through which applications may input commands to change the state of the access point. The interface responds to these commands and other events, such as association or disassociation of a wireless client, in a manner that does not disrupt the applications or devices using the access point. To determine an appropriate response to any event, the interface may maintain state information, including a count of the number of applications and/or wireless devices that have taken action indicating an operating state of the wireless access point. | 06-24-2010 |
20100165879 | WIRELESS PROVISIONING A DEVICE FOR A NETWORK USING A SOFT ACCESS POINT - A computing device for provisioning a wireless device for connection to a wireless network via a legacy access point. The wireless device supports a wireless protected setup protocol for obtaining the network profile of the network. A user requests the computing device discover wireless devices for provisioning. In response to the user input, the computing device is configured as a soft access point and broadcasts a beacon signal indicating that the access point supports a wireless protected setup protocol, such as Wi-Fi Protected Setup. A request for provisioning is then received by the computing device from the wireless device. A network profile is transmitted from the computing device to the wireless device in accordance with the wireless protected setup protocol. The wireless device may use the profile to connect to the network via the legacy access point using the network profile. | 07-01-2010 |
20130142188 | WIRELESS NETWORK HOST IN SILENT MODE - An access point that implements operating modes in which beacons may be selectively disabled. Beacons may be disabled when no device is actively associated through the access point. Beacons may be enabled in response to one or more triggers, which may include events such as a client forming an association through the access point following a probe request message identifying the access point. In addition, active beaconing may be triggered by user input or may occur during periodic brief intervals that allow client devices to discover the network identifier for the access point. Selective control of beaconing may lead to more effective wireless communication, particularly in areas where users congregate with computers implementing soft APs for personal networks. | 06-06-2013 |
20140187167 | WIRELESS PROVISIONING A DEVICE FOR A NETWORK USING A SOFT ACCESS POINT - A computing device for provisioning a wireless device for connection to a wireless network via a legacy access point. The wireless device supports a wireless protected setup protocol for obtaining the network profile of the network. A user requests the computing device discover wireless devices for provisioning. In response to the user input, the computing device is configured as a soft access point and broadcasts a beacon signal indicating that the access point supports a wireless protected setup protocol, such as Wi-Fi Protected Setup. A request for provisioning is then received by the computing device from the wireless device. A network profile is transmitted from the computing device to the wireless device in accordance with the wireless protected setup protocol. The wireless device may use the profile to connect to the network via the legacy access point using the network profile. | 07-03-2014 |
20140207978 | WINDOWS RALLY WIRELESS HID DEVICE - A system and method that identifies and effectuates communication between a connectable client and a wireless human interface device. The wireless human interface device utilizes technologies to abstract the complexities of IP based wired and wireless networks to provide mechanisms to easily discover, associate, utilize and diagnose the wireless human interface device. Through the ensuing abstraction the wireless human interface device can be associated with an unlimited number of connectable networked clients or hosts thus eliminating the requirement of analog switch boxes to connect human interface devices to each connectable host or client, and further providing for the control of local and/or Internet based hosts or clients. | 07-24-2014 |
Patent application number | Description | Published |
20110244121 | METHODS FOR ARRANGING NANOTUBE ELEMENTS WITHIN NANOTUBE FABRICS AND FILMS - A method for arranging nanotube elements within nanotube fabric layers and films is disclosed. A directional force is applied over a nanotube fabric layer to render the fabric layer into an ordered network of nanotube elements. That is, a network of nanotube elements drawn together along their sidewalls and substantially oriented in a uniform direction. In some embodiments this directional force is applied by rolling a cylindrical element over the fabric layer. In other embodiments this directional force is applied by passing a rubbing material over the surface of a nanotube fabric layer. In other embodiments this directional force is applied by running a polishing material over the nanotube fabric layer for a predetermined time. Exemplary rolling, rubbing, and polishing apparatuses are also disclosed. | 10-06-2011 |
20110291315 | METHODS FOR ARRANGING NANOSCOPIC ELEMENTS WITHIN NETWORKS, FABRICS, AND FILMS - A method for arranging nanotube elements within nanotube fabric layers and films is disclosed. A directional force is applied over a nanotube fabric layer to render the fabric layer into an ordered network of nanotube elements. That is, a network of nanotube elements drawn together along their sidewalls and substantially oriented in a uniform direction. In some embodiments this directional force is applied by rolling a cylindrical element over the fabric layer. In other embodiments this directional force is applied by passing a rubbing material over the surface of a nanotube fabric layer. In other embodiments this directional force is applied by running a polishing material over the nanotube fabric layer for a predetermined time. Exemplary rolling, rubbing, and polishing apparatuses are also disclosed. | 12-01-2011 |
20130224934 | NANOTUBE SOLUTION TREATED WITH MOLECULAR ADDITIVE, NANOTUBE FILM HAVING ENHANCED ADHESION PROPERTY, AND METHODS FOR FORMING THE NANOTUBE SOLUTION AND THE NANOTUBE FILM - The present disclosure provides a nanotube solution being treated with a molecular additive, a nanotube film having enhanced adhesion property due to the treatment of the molecular additive, and methods for forming the nanotube solution and the nanotube film. The nanotube solution includes a liquid medium, nanotubes in the liquid medium, and a molecular additive in the liquid medium, wherein the molecular additive includes molecules that provide source elements for forming a group IV oxide within the nanotube solution. The molecular additive can introduce silicon (Si) and/or germanium (Ge) in the liquid medium, such that nominal silicon and/or germanium concentrations of the nanotube solution ranges from about 5 ppm to about 60 ppm. | 08-29-2013 |
20130243954 | NANOTUBE SOLUTIONS WITH HIGH CONCENTRATION AND LOW CONTAMINATION AND METHODS FOR PURIFIYING NANOTUBE SOLUTIONS - Solutions of carbon nanotubes and methods for purifying the solutions are provided. The methods include mixing, for example, at least one complexing agents, at least one ionic species, and/or at least one buffer oxide etch (BOE) with a liquid medium containing carbon nanotubes and different types of contaminants, such as metal impurities, amorphous carbon, and/or silica particles, and performing a filtration process to the liquid medium so as to remove or reduce the contaminants in the liquid medium. As a result, carbon nanotube solutions of low contaminants are produced. In some embodiments, the solutions of this disclosure include a high concentration of carbon nanotubes and are substantially free from metal, amorphous carbon, and/or silica impurities. | 09-19-2013 |
20140329430 | Low Defect Nanotube Application Solutions and Fabrics and Methods for Making Same - The present disclosure provides methods for removing defects nanotube application solutions and providing low defect, highly uniform nanotube fabrics. In one aspect, a degassing process is performed on a suspension of nanotubes to remove air bubbles present in the solution. In another aspect, a continuous flow centrifugation (CFC) process is used to remove small scale defects from the solution. In another aspect, a depth filter is used to remove large scale defects from the solution. According to the present disclosure, these three methods can be used alone or combined to realize a low defect nanotube application solutions and fabrics. | 11-06-2014 |
20150086771 | SCALABLE NANOTUBE FABRICS AND METHODS FOR MAKING SAME - The present disclosure provides scalable nanotube fabrics and methods for controlling or otherwise adjusting the nanotube length distribution of a nanotube application solution in order to realize scalable nanotube fabrics. In one aspect of the present disclosure, one or more filtering operations are used to remove relatively long nanotube elements from a nanotube solution until nanotube length distribution of the nanotube solution conforms to a preselected or desired nanotube length distribution profile. In another aspect of the present disclosure, a sono-chemical cutting process is used to break up relatively long nanotube elements within a nanotube application solution into relatively short nanotube elements to realize a pre-selected or desired nanotube length distribution profile. | 03-26-2015 |