| Patent application number | Description | Published |
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| 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 |
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| 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 |
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| 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 |
