| Patent application number | Description | Published |
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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 |
| 20100131413 | METHODS AND SYSTEMS TO SECURELY LOARD / RELOAD A CONTACTLESS PAYMENT DEVICE - Embodiments allow loading and reloading contactless payment devices using only a contactless terminal interface, while providing user authentication. The contactless terminal interface could be at a merchant POS location, kiosk, or embedded or attached to a personal computing device with contactless read/write capability such as a personal computer or mobile phone or Internet device. | 05-27-2010 |
| 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 |
| 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 |
| 20100318315 | METHOD AND SYSTEM FOR SIMULATING A PROXIMITY-BASED TRANSACTION DEVICE - A system and method for testing and calibrating electronic contactless payment devices including reference payment cards and readers. The contactless payment devices transmit data by load modulating a subcarrier of an RF carrier signal. The system and method involve use of a common mode rejection (CMR) circuit to demodulate a received load-modulated data signal and to extract the data signal. The CMR circuit also generates a synchronous clock signal, a sample & hold signal and a sample & hold clock signal. Further, the input signal is feed to a zero-crossing detector and digital delay which in combination with an Analog-to-Digital Converter circuit is used to recreate the load (i.e. modulating) signal and to eliminate the large carrier portion of the selected input signal. | 12-16-2010 |
| 20110042465 | METHOD AND SYSTEM FOR SIMULATING A PROXIMITY-BASED TRANSACTION DEVICE - Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment includes reference cards and reference readers that respectively can be used to verify compliance of product cards and product readers with product specifications The product specifications may, for example, be the ISO 14443 Standard specifications which are commonly accepted in the electronic payment industry The reference equipment is designed to enhance interoperability of product payment devices whose functional behaviors may vary because of vendor customization of device specifications or due to manufacturing tolerances In some embodiments, the reference equipment includes a reference card for testing card readers The exemplary reference card can comprise a current mirror to permit an electronically adjustable variable load using an external controller The reference card electronic circuit can exhibit variable load conditions | 02-24-2011 |
