CN1682222A - 有触点或无触点交易中用射频识别激励支付的系统和方法 - Google Patents

有触点或无触点交易中用射频识别激励支付的系统和方法 Download PDF

Info

Publication number
CN1682222A
CN1682222A CNA038008149A CN03800814A CN1682222A CN 1682222 A CN1682222 A CN 1682222A CN A038008149 A CNA038008149 A CN A038008149A CN 03800814 A CN03800814 A CN 03800814A CN 1682222 A CN1682222 A CN 1682222A
Authority
CN
China
Prior art keywords
transaction
transponder
value
prestrain
merchant
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CNA038008149A
Other languages
English (en)
Inventor
M·J·贝拉迪
M·布利曼
D·宝纳勒
J·A·艾尔伍德
M·C·胡德
S·E·艾森伯格
A·迈尔斯
T·J·佩里
P·D·桑德斯
K·D·希丁
S·A·沙赫
K·L·冯沃尔德
J·R·维廉姆森
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
American Express Travel Related Services Co Inc
Original Assignee
American Express Travel Related Services Co Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US10/192,488 external-priority patent/US7239226B2/en
Priority claimed from US10/318,432 external-priority patent/US9454752B2/en
Priority claimed from US10/318,480 external-priority patent/US7249112B2/en
Application filed by American Express Travel Related Services Co Inc filed Critical American Express Travel Related Services Co Inc
Publication of CN1682222A publication Critical patent/CN1682222A/zh
Pending legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/02—Reservations, e.g. for tickets, services or events
    • G06Q10/025—Coordination of plural reservations, e.g. plural trip segments, transportation combined with accommodation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/28—Individual registration on entry or exit involving the use of a pass the pass enabling tracking or indicating presence
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/29—Individual registration on entry or exit involving the use of a pass the pass containing active electronic elements, e.g. smartcards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3234—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/80—Wireless
    • H04L2209/805—Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor

Abstract

一种应答器－收发器支付系统，该系统包括包含应答器和用于询问应答器的RFID读出器的交易袋。该系统可以进一步包括独立于交易袋且与其完全不同、但关联于和交易袋共享的支付账号的支付设备。在典型操作中，可以提供交易袋标识信息或支付设备信息给RFID读出器以完成交易请求。处理服务器可以接收交易请求并根据预定的支付准则满足交易请求。处理服务器可以基于交易袋或支付设备的使用另外添加奖励账号，从而在一种情况下激励交易袋的使用并在另一种情况下激励支付设备的使用。

Description

有触点或无触点交易中用射频识别激励支付的系统和方法
技术领域
本发明涉及完成交易的系统和方法，更特别地，涉及在有触点和无触点环境中使用射频识别(RFID)完成金融交易。
背景技术
类似于条形码和语音数据录入，RFID是一种无触点信息获取技术。RFID系统是无线的，且通常在常规获取方法失效的不利环境中非常有效。RFID已在广泛的市场中立足，如高速读取铁路集装箱、追踪如家畜或汽车这样的移动物体及零售库存应用。这样，RFID技术已在世界范围的自动数据收集、识别和分析系统中成为主要焦点。
最近，企业越来越多地在交易袋(fog)或标签中使用RFID数据获取技术，用于完成金融交易。典型的交易袋包括应答器且通常是可以包含在任何便携形状部件(factor)中的自包含设备。在一些实例中，电池可以装备在交易袋中为应答器供电。在这种情况下，交易袋的内部电路(包括应答器)可以从电池电源中获取它的工作电源。替换地，交易袋可以独立于内部电源存在。在这种情况下，交易袋的内部电路(包括应答器)可以直接从RF询问信号中获得它的工作电源。授于Schuermann的美国专利No.5,053,774说明了典型的应答器RF询问系统，这可以在已有技术中找到。Schuermann专利围绕已有的应答器结构总体说明了供电技术。美国专利No.4,739,328论述了已有的应答器响应RF询问信号的方法。可以使用的其他典型的调制技术包括例如ISO/IEC14443等等。
在使用的已有的交易袋供电技术中，交易袋通常在向交易袋提供询问信号时激活。在这点上，无论用户是否需要这样的激活，交易袋都可能被激活。交易袋无意中的出现会导致发起和完成不必要的交易。因此，需要允许交易袋的用户控制交易袋的激活来限制交易被不必要地完成的交易袋系统。
RFID技术多个明显的用途之一在Exxon/Mobil公司的Speedpass和Shell公司的EasyPay产品中可以看到。这些产品使用应答器放置在交易袋或标签中，交易袋或标签当交易袋出现在销售点(POS)设备处时支持用户的自动识别。交易袋识别数据通常传送给第三方服务器数据库，其中识别数据查阅客户(如，用户)信用账号或借记账号。在典型处理方法中，服务器通过传送交易和账号数据到授权实体查找对交易的授权。一旦服务器接收到授权，证书被发送到销售点设备以完成交易。以这种方式，已有的交易处理方法包括由于第三方服务器的使用导致不必要开销的间接路径。
需要允许授权交易袋交易而消除和使用第三方服务器关联的开销的交易授权系统。
另外，因为它们必须在销售点附近使用，已有的交易袋受到了限制。即，为了激活交易袋，已有的交易袋必需放置在由RF询问信号覆盖的发送区域内。更特别地，在用户希望在如计算机界面这样的交互点上进行交易等情况下使用时，已有的交易袋并不有效。
因此，需要使用RFID获取技术的交易袋，它能够用在交互点设备上并且还能帮助通过连接到网络(如，因特网)的计算机界面进行交易。
因为已有的用在系统中的交易袋仅对一个询问信号响应，已有的应答器-读出器支付系统也受到限制。当使用多个询问信号时，交易袋仅响应已对其配置的询问信号。因此，如果系统的RFID读出器仅提供与交易袋不兼容的询问信号，交易袋将不能正确激活。
因此，需要响应不止一个询问信号的交易袋。
因为支付系统通常连接到和应答器关联的资金源，它包括预定支出限制，已有的应答器-读出器支付系统还受到附加的限制。因此在请求的支付超出了预定支出限制的情况下没有任何灵活性。因为已有的处理请求的交易的方法包括比较交易和支出限制或提供交易授权给商家之前存储在预先加载值数据文件中的金额，通常情况就是这样的。
因此，需要处理应答器-读出器支付请求而不考虑对关联的应答器-读出器支付系统资金源指定的支出限制的系统。
进一步来说，已有的应答器-读出器系统不允许用户管理系统用户账号数据。当用户希望更改应答器-读出器系统资金源为提供更多支出空间的源，或应答器-读出器账号提供者希望立即更新用户账号来更改用户的状态(如，更改地址、电话号码、email，等等)时，这尤其是个问题。
因此，需要允许用户对应答器-读出器账号进行有限的访问来管理账号数据的应答器-读出器系统。
进一步来说，相对于和交易袋关联的信用卡或充值卡，已有的应答器-读出器系统通常不允许自动地激励和系统关联的交易袋的使用的方法。即，由于当前的系统并不充分区分系统应答器与应答器关联的充值卡或信用卡账号的使用，已有的应答器-读出器系统不提供通过鼓励交易袋产品的使用鼓励应答器-读出器系统的使用的方法。
因此，需要能够确定何时使用系统应答器，并提供对这种使用的激励的应答器-读出器系统。
进一步来说，因为系统不能对单个资金源追踪信用卡或充值卡的使用和交易袋的使用，已有的系统受到限制。例如，在典型的已有技术系统中，交易袋可以连接到指定的资金源(例如，American Express、MasterCard、Visa等等)，可以用其提供资金以满足交易请求。资金源另外可以有和交易袋关联且可以用于有触点交易的消费者信用卡或充值卡。当使用信用卡或充值卡时，向卡用户提供卡的使用的账目报告。然而报告账目不包括交易袋产品使用的报告。因此，交易袋用户不能充分地制图、分析或比较交易袋的使用和相关卡的使用。当资金源由不止一个实体(例如，配偶、多个公司员工等等)使用或一个实体使用交易袋且另一实体使用和交易袋关联的卡时，这尤其是个问题。
因此，需要允许在单个文件中报告交易袋的使用和信用卡的使用的应答器-读出器支付系统。
发明内容
在此所述的是使用RFID技术来发起和完成金融交易的系统和方法。应答器-读出器支付系统在此所述的可以包括用来提供RF询问信号对应答器系统供电、接收应答器系统RF信号并提供和该应答器系统RF信号相关的应答器系统账号数据的RFID读出器。应答器-读出器支付系统可以包括电路上连接到一个或多个询问器以向应答器提供询问信号的RFID协议/序列控制器、用于从应答器接收验证信号的RFID验证电路、用于连接交互点设备的串行或并行接口，及用于个性化RFID读出器和/或应答器的USB或串行接口。应答器-读出器支付系统可以进一步包括包含一个或多个响应一个或多个询问信号并用于提供验证信号来校验应答器和/或RFID读出器经授权工作在应答器-读出器支付系统中的应答器(如，模块)的交易袋。以这种方式，交易袋可以响应提供在不同频率的多个询问信号。进一步来说，交易袋可以包括用于计算机网络或RFID的USB或串行接口。
本发明的RFID系统和方法可以包括实现在交易袋、标签、卡或任何其他形状因子(如，腕表、钥匙链、移动电话等等)中的应答器，它能够用于查询。在那点上，虽然在此以实现在交易袋中来说明应答器，本发明并不限制于此。
该系统可以进一步包括配置为发送可以从RFID读出器通过射频(或电磁)传播发送的持续RFID识别信号的RFID读出器。交易袋可以放置在接近RFID读出器的位置，以使得RFID信号可以询问交易袋并且初始化交易袋识别过程。
在一个典型实施例中，作为识别处理的一部分，交易袋和RFID读出器可以进行相互验证。RFID读出器可以识别交易袋为包括已授权的系统应答器来接收加密信息并存储该消息在交易袋存储器中。类似地，交易袋在由RFID读出器询问时，可以识别RFID读出器作为授权接收该加密并存储的信息。当RFID读出器和交易袋成功地相互验证时，交易袋可以发送识别和交易袋关联的交易账号的特定信息到RFID读出器。RFID读出器可以接收该信息并转发该信息以帮助完成交易。在一个典型实施例中，RFID读出器可以转发该信息到交互点识别(如，POS或计算机接口)以完成交易。这里揭示的相互授权处理帮助确保交易袋应答器-读出器支付系统的安全。
在另一典型实施例中，本发明的交易袋包括通过计算机接口完成交易的方法。交易袋可以使用USB或串行接口连接到计算机，交易袋账号信息可以传输到计算机，用于通过网络(如，因特网)完成交易。
在本发明的又一典型实施例中，提供激励应答器-读出器系统应答器(如，交易袋)的使用的系统。该系统区分交易袋的使用和与交易袋共享同一资金源的充值卡或信用卡的使用。当使用交易袋时，系统可以基于由交易袋发行者预定的准则提供对用户的激励。另外，当使用预加载的交易袋系统时，本发明识别关联的交易袋预加载值数据文件何时被加载或重加载资金。然后本发明可以基于和加载或重加载动作关联的准则提供奖励积分。进一步来说，本发明的系统可以激励商家的赞助。在这种情况下，系统可以接收交易袋交易请求并基于和商家关联的标记或其他标识符激励交易袋用户。标记可以包括在交易标识中、在向交易提供的商家标识中，或两者的组合。
在本发明的又一典型实施例中，揭示了支持交易袋用户/所有者管理和交易袋关联的账号的系统。向用户提供对存储在账号提供者数据库中的交易袋账号信息的所有或部分的有限访问用于更新，例如，人口统计信息、账号资金源和/或账号限制(如，支出限制、个人标识号码等等)。可以通过电话、通过网络(如，在线)或通过离线通讯向用户提供对账号的所有或部分的访问。例如，可以向交易袋用户提供对和账号提供者数据库有延时通讯的系统的访问，其中这样的系统可以包括，例如，提供到账号提供者系统的批处理发送的信息站。这样，交易袋用户/所有者可以实时(如电话或在线)或在账号提供者揭示更新的信息(如，离线)时更新他的信息。
在本发明的又一典型实施例中，本发明提供用于处理交易请求的方法，从而交易请求的金额可以在从资金源请求资金和/或校验有完成交易的金额之前得到认可。这样，只要交易和/或账号符合特定预定授权准则，交易就可以得到认可。一旦符合准则，交易即被授权并且将授权提供给请求代理(如，商家)。在一种情况下，同时或紧接着提供授权给商家，来从资金源请求交易的支付。在另一情况下，在晚于提供授权给商家的时间段请求交易的支付。
本发明的系统和方法的这些特性和其他优点，及不同典型实施例的结构和操作将在下面说明。
附图说明
附图展示本发明的典型实施例，并和说明一起用于揭示本发明的原理，附图中类似的编号标识类似的元件。在附图中：
图1A根据本发明展示典型的基于RFID的系统，其中说明用于完成交易袋交易的典型组件；
图1B根据本发明展示典型的个性化系统；
图2为示意图，根据本发明展示典型的交易袋；
图3为示意图，根据本发明展示典型的RFID读出器；
图4为典型的流程图，根据本发明展示典型的验证处理；
图5为典型的流程图，根据本发明展示协议/序列控制器典型的判断处理；
图6A-B为典型的流程图，根据本发明展示交易袋个性化处理；
图7A-B为典型的流程图，根据本发明展示RFID读出器个性化处理；
图8为流程图，根据本发明展示典型的支付/交易处理；
图9为另一示意图，根据本发明展示典型的交易袋；
图10为示意图，根据本发明展示典型的预加载交易袋支付/交易处理；
图11A-B为示意图，根据本发明展示典型的预加载交易袋账号重加载处理；
图12为示意图，根据本发明展示典型的直接连接支付/交易处理；及
图13为示意图，根据本发明展示另一典型的支付/交易处理。
具体实施方式
根据功能块组件、屏幕截图、可选选择和各种处理步骤在此说明本发明。这样的功能块可以由任何数目的配置为执行指定功能的硬件和/或软件组件来实现。例如，本发明可以使用各种集成电路组件，如，存储器元件、处理元件、逻辑元件、查询表等等，它们可以在一个或多个微处理器或其他控制设备的控制下执行各种功能。类似地，可以用任何编程语言或脚本语言，如C、C++、Java、COBOL、汇编、PERL、可扩展标记语言(XML)、JavaCard和MULTOS，用数据结构、对象、处理、例程或其他编程元件的任何组合实现的各种算法来实现本发明的软件元件。进一步来说应注意本发明可以使用任何数量的已有技术进行数据发送、发信号、数据处理、网络控制等等。对密码学的基本介绍，请查阅Bruce Schneier的“应用密码学：协议、算法和C源程序”，该书由John Wiley&Sons出版社出版(第二版，1996年)，在此合并作为引用。
另外，可以构建本发明的很多应用。在此揭示的典型网络可以包括用于交换数据或进行商业交易的任何系统，如互联网、企业内部互联网、外部互联网、WAN、LAN、卫星通讯，及/或其类似。应注意网络可以作为其他类型的网络实现，如互动电视网络(ITN)。
当需要时，系统用户可以通过任何输入设备和系统交互，如小键盘、键盘、鼠标、信息站、个人数字助理、手持计算机(如，Palm Pilot、Blueberry)、移动电话及/或其类似。类似地，本发明可以和运行任何操作系统，如任何版本的Windows、Windows NT、Windows 2000、Windows 98、Windows 95、MacOS、OS/2、BeOS、Linux、UNIX、Solaris或其类似的任何类型的个人计算机、网络计算机、工作站、小型机、大型机或其类似一起使用。再者，虽然本发明经常以通过TCP/IP通讯协议实现来说明，应理解本发明也可以使用SNA、IPX、Appletalk、IPte、NetBIOS、OSI或任何数量的通讯协议来实现。再者，系统包含通过有在此所述的类似功能的任何网络进行任何货物、服务或信息的使用、销售、发布。
图1A根据本发明展示典型RFID交易系统100A，在其中说明用于完成交易袋交易的典型组件。总的来说，当交易袋102为支付出现且由RFID读出器104或替换地由接口134询问时，系统100A的操作开始。然后交易袋102和RFID读出器104可以进行相互验证，在其后应答器102可以提供应答器标识和/或账号标识符给RFID读出器104，RFID读出器104可以进一步提供信息给商家系统130、POS设备110。
系统100A可以包括有应答器114的交易袋102和与交易袋102进行RF通讯的RFID读出器104。虽然本发明用交易袋102说明，本发明并不局限于此。实际上，系统100可以包括有配置为和RFID读出器104进行RF通讯的应答器的任何设备。典型设备可以包括，例如，钥匙圈、标签、卡、移动电话、腕表或任何这样能够用于询问的形状。
RFID读出器104可以配置为使用RFID内置天线106通讯。替换地，RFID读出器104可以包括外置天线108来和交易袋102通讯，其中外置天线可以使用适合的线缆和/或数据连接120与RFID读出器104远程连接。RFID读出器104可以进一步通过数据连接122和商家系统130通讯。系统100A可以包括交易完成系统，交易完成系统包括如商家销售点(POS)设备110或计算机接口(如，用户接口)134这样的交互点设备。在一个典型实施例中，交易完成系统可以包括商家系统130，商家系统130包括和RFID读出器104通讯(通过数据连接122)的POS设备110。如下面更详细的说明，交易完成系统可以包括连接到网络136并通过USB连接器132连接到应答器的用户接口134。
虽然上述交互点设备有关于商家销售点(POS)设备，本发明并不局限于此。实际上商家POS设备在此用作例子，且交互点设备可以为能够接收交易袋账号数据的任何设备。在这一点上，POS可以为使用户能够使用交易袋102完成交易的任何交互点设备。POS设备110可以进一步和客户接口118通讯(通过数据连接128)以输入至少客户身份交易信息。另外，POS设备110可以和商家主机网络112通讯(通过数据连接124)以处理任何交易请求。在这样的安排下，RFID读出器104提供的信息由商家系统130通过数据连接122提供给POS设备110。POS设备110可以接收信息(且替换地从客户接口118通过数据连接128接收任何身份校验信息)并提供该信息给主机系统112来处理。
对数据连接120、122、124和128可以使用多种已有的通讯媒体和协议。例如，数据连接120、122、124和128可以为配置为在本地回路上帮助通讯的因特网服务提供者(ISP)，如通常和标准的调制解调器通讯、有线调制解调器、碟形天线网络、ISDN、数字用户线(DSL)，或任何无线通讯媒体连接使用。另外，包括POS设备110和主机网络112的商家系统130可以位于连接到对预期的交易进行远程授权的远程网络(未标出)的局域网。商家系统130可以通过专线，如T1、D3线或其类似和远程网络通讯。这样的通讯线在各种文本中有说明，如，Gilbert Held的“理解数据通讯”，包含在此引用。
账号编号，如在此所用，可以包括由交易账号提供者(如支付授权中心)维护且用来完成金融交易的账号(如信用、充值借记、支票、存款、奖励、忠诚)的标识符。典型的账号编号(如，账号数据)可以关联于由AmericanExpress、Visa和/或MasterCard这样及其类似的实体维护并服务的信用或借记账号、忠诚账号，或奖励账号。为了便于理解，本发明引用信用账号进行说明。然而，应注意本发明并不局限于此，且允许用货物和服务和账号数据值交换的其他账号都在本发明的范围之内。
另外，账号编号(如，账号数据)可以关联于任何设备、代码或适当地配置为允许客户和系统交互或通讯的其他标识符/标记，如，授权/访问码、个人身份号码(PIN)、因特网码、数字证书、生物统计数据和/或其他身份标记。账号编号可选地可以位于奖励卡、充值卡、信用卡、借记卡、预付卡、电话卡、智能卡、磁条卡、条形码卡和/或其类似之上。账号编号可以发布并存储到能够发送或下载数据到第二个设备的任何形式的塑料、电子、磁和/或光学设备中。客户账号编号可以为，例如，16位的信用卡编号，虽然每个信用提供者有它自身的编号系统，如由American Express使用的15位编号系统。每个公司的信用卡编号符合该公司的标准化形式，从而使用16位格式的公司通常使用四个一组的数字，如编号“0000 0000 0000 0000”表示的那样。在典型例子中，开头的5到7位保留用于处理目的且标识发行银行、卡类型等等。在这个例子中，最后的第16位被用作16位编码的校验和。中间的8到10位用来唯一标识客户。账号编码如ISO/IEC 7813的定义作为Track 1和Track 2数据存储，且进一步可以使其对交易袋102是唯一的。在一个典型实施例中，账号编号可以包括唯一的交易袋序列号和用户标识号，如特定的应用那样。账号编码可以存储在交易袋102中的数据库214内，如下面更详细的说明。数据库214可以配置位存储多个由同一或不同的账号提供机构发行给交易袋102的用户的账号编号。当账号数据对应于忠诚账号或奖励账号时，数据库214可以配置位存储伴随的忠诚或奖励积分数据。
图2根据本发明展示典型交易袋102的多个功能块的方框图。交易袋102可以为由用户给出以帮助用资金或积分等等换取货物或服务的接收的RFID交易袋102。如在此所述，作为例子，交易袋102可以为给出以帮助支付货物和/或服务的RFID交易袋。
交易袋102可以包括天线202以从RFID读出器104通过天线106(或替换地，通过外置天线108)接收询问信号。交易袋天线202可以和应答器114连接。在一个典型实施例中，应答器114可以为符合ISO/IEC 14443标准的13.56MHz应答器，且天线202可以为13MHz变体。应答器114可以和应答器兼容的调制器/解调器206连接，调制器/解调器206配置为接收来自应答器114的信号并配置为调制该信号为由任何后面连接的电路可读的格式。进一步来说，调制器/解调器206可以配置为格式化(如，解调制)从后面连接的电路接收的信号为和应答器114兼容的格式以通过天线202发送到RFID读出器104。例如，当应答器114为13.56MHz变体时，调制器/解调器206可以是ISO、IEC 14443-2兼容的。
调制器/解调器206可以连接到协议/序列控制器208以帮助控制由RFID读出器104提供的信号的验证，并帮助控制交易袋102账号编号的发送。在这一点，协议/序列控制器208可以为能够帮助确定对交易袋102内部电路操作的序列的任何适合的数字或逻辑驱动电路。例如，协议/序列控制器208可以配置为确定由RFID读出器104提供的信号是否被验证，并且从而向RFID读出器104提供存储在交易袋102上的账号编号。
协议/序列控制器208可以进一步连接验证电路210以帮助由RFID读出器104提供的信号的验证。验证电路可以进一步连接非易失安全存储器数据库212。安全存储器数据库212可以为任何适合的基本文件系统，如由ISO/IEC7816-4定义的那样或允许由芯片上的应用解释数据查找的任何其他基本文件系统。数据库212可以为任何类型的数据库，如关系型、层次型、面向对象和/或其类似。可以用来实现该数据库的普通数据库包括IBM(White Plains，NY)的DB2、任何来自Oracle公司(Redwood Shores，CA)的数据库产品、Microsoft公司(Redmond，Washington)的Microsoft Access或MSSQL，或任何其他数据库产品。数据库212可以用任何适合的方式组织，包括作为数据表或查询表。特定数据的关联可以通过在已有技术中已知并实践的任何数据关联技术实现。例如，关联可以手动或自动地实现。自动关联技术可以包括，例如，数据库搜索、数据库合并、GREP、AGREP、SQL和/或其类似。关联步骤可以由数据库合并函数实现，例如，在每个生产者和零售者数据表中使用“关键字字段”。“关键字字段”根据由关键字字段定义的对象的高层分类划分数据库。例如，特定类可以在第一个数据表和第二个数据表中指定为关键字字段，然后可以基于在关键字字段中的分类数据合并两个数据表。在这个实施例中，对应于每个合并的数据表中的关键字字段的数据最好是相同的。然而，在关键字字段中有相似但不完全相同的数据的数据表也可以合并，如使用AGREP。
数据可以由协议/序列控制器208用于数据分析并用于管理和控制目的，及安全目的。验证电路可以通过关联RFID信号和存储在数据库212中的验证密钥验证由RFID读出器104提供的信号。加密电路可以使用存储在数据库212中的密钥对发送到或来自RFID读出器104的信号执行加密和/或解密。
另外，协议/序列控制器208可以连接数据库214以至少存储交易袋102账号数据，和唯一的交易袋102标识码。协议/序列控制器208可以配置为根据需要从数据库214检索账号编号。数据库214可以和上述的数据库212有同样的配置。存储在数据库214中的交易袋账号数据和/或唯一的交易袋标识码可以在存储之前加密。因此，在协议/序列控制器208从数据库214检索账号数据和/或唯一的交易袋标识码的情况下，账号编号在提供给RFID读出器104时可以被加密。进一步来说，存储在数据库214中的数据可以包括，例如，未加密的唯一的交易袋102标识码、用户标识、Track 1和2数据，及特定应用数据。
交易袋102可以配置为响应由RFID读出器104提供的多个询问频率发送。即，如下面更详细的说明，RFID读出器104可以提供不止一个RF询问信号。在这种情况下，通过在交易袋102中包括一个或多个附加的RF信号接收/发送单元226，交易袋102可以配置为响应多个频率。RF信号接收/发送单元226可以包括天线218和应答器220，其中天线218和应答器220至少和RFID读出器104提供的附加RF信号之一兼容。例如，在一个典型实施例中，交易袋102可以包括配置为和134KHz应答器220通讯的134KHz天线218。在这个典型配置中，可以不需要ISO/IEC 14443-2兼容的调制器/解调器。相反，134KHz应答器可以配置为直接和协议/序列控制器208通讯以按如上所述发送和接收验证和账号编号信号。
在另一实施例中，交易袋102可以进一步包括通用串行总线(USB)连接器132以连接交易袋102和用户接口134。用户接口134可以通过网络136进一步连接POS设备110。网络136可以为因特网、企业内部互联网或其类似，如上面对网络12所述的那样。进一步来说，用户接口134可以在结构上类似于用于允许系统用户和系统交互的上述任何已有的输入设备和/或计算系统。在一个典型实施例中，交易袋102可以配置为帮助在线因特网支付。USB转换器222可以连接USB连接器232以帮助信息在调制器/解调器206和USB连接器132之间的传输。替换地，USB转换器222可以连接协议/序列控制器208以帮助信息在协议/序列控制器208和USB连接器132之间的传输。
当交易袋102包括USB连接器132时，交易袋102可以连接到，例如，用户接口134上的USB端口。从交易袋102检索的信息可以和支持在因特网上使用交互应用的信用卡和/或智能卡技术兼容。在这个实施例中不需要RFID读出器，因为到POS设备110的连接可以使用用户接口134上的USB端口和网络136。
交易袋102可以包括使用户能够激活交易袋的方法。在一个典型实施例中，开关230可以由交易袋102的用户操作。交易袋102上的开关230可以用来选择性地或包含性地激活交易袋102以进行特殊使用。在这个语境中，术语“选择性地”可以指开关230使用户能够设置交易袋102为特殊的工作模式。例如，用户可以设置交易袋102为能够使用选择的账号编号进行货物或服务的购买的模式。选择性地，交易袋可以设置为一种模式，使得交易袋账号编号仅由USB端口132(或串口)提供且禁用交易袋应答器114。另外，术语“包含性地”可以指交易袋102设置为允许交易袋102响应RF询问和通过USB连接器132的询问的工作模式。在一个特殊的实施例中，开关230保持在OFF位置以确保一个或多个应用或和交易袋102关联的账号不响应任何由RFID读出器104提交的命令。如这里所用，OFF位置可以称为激活开关230的“正常”位置，虽然可以用其他正常位置。
在另一典型实施例中，当开关230从OFF位置移开时，交易袋102可以视为已由用户激活。即，开关230可以激活交易袋102中的内部电路以允许交易袋响应RF信号(如，来自RFID读出器104的命令)。这样，开关230可以帮助控制交易袋102的激活和非激活状态。通过防止交易袋102的无意或非法使用，这样的控制增强了系统安全性。
在一个典型实施例中，开关230可以为和电子地防止交易袋由RFID读出器加电的电路连接的简单机械装置。即，当开关230在它的正常位置，开关230可以提供对交易袋102内部电源的短路，防止交易袋102响应RF或通过USB连接器230的询问。在这样的安排下，开关230可以为，例如，“正常闭合”(NC)配置的开关，它可以在天线202和应答器114的接口电子地连接到天线202。开关230可以被按下，这可以打开开关230而完全激活天线202。
在另一典型实施例中，交易袋102可以包括配置为开关230工作的生物统计检测器和生物测量膜并在对其提供了来自交易袋102用户的生物测量信号时激活交易袋102。这样的生物测量信号可以为指纹、大拇指纹或其类似的数字读取。通常，当使用生物测量电路时，生物测量电路可以由内部电源(如，电池)供电。在此情况，开关不是简单的机械装置，而是加电的开关。在又一典型实施例中，虽然在交易袋102中没有生物测量电路，开关230也可以由电池供电。
在又一实施例中，开关230可以为逻辑开关。当开关230为逻辑开关时，开关230控制软件可以从序列控制器208中读取以选择性地控制各种交易袋102组件的激活。
图3根据本发明的典型实例展示RFID读出器104的典型方框图。RFID读出器104包括，例如，连接到RF模块302的天线106，RF模块302进一步连接到控制模块304。另外RFID读出器104可以包括对RFID读出器104远程地放置并通过适合的线缆120或其他有线或无线连接来连接到RFID读出器104的天线108。
RF模块302和天线106可以适合地配置为帮助和交易袋102通讯。当交易袋102格式化为接收在特殊RF频率的信号，RF模块302可以配置为提供在相同频率的询问信号。例如，在一个典型实施例中，交易袋102可以配置为响应约13.56MHz的询问信号。在此情况，RFID天线106可以为13MHz并可以配置为发送约13.56MHz的询问信号。即，交易袋102可以配置为包括第一个和第二个RF模块(如，应答器)，其中第一个模块可以使用134kHz频率工作且第二个RF模块可以使用13.56MHz频率工作。RFID读出器104可以包括两个使用134kHz频率、13.56MH频率或两者工作的接收器。当读出器104工作在134kHz频率时，交易袋102上只有134kHz模块工作。当读出器104工作在13.56MHz频率时，交易袋102上只有13.56MHz模块工作。当读出器104支持134kHz频率和13.56MHz RF模块两者时，交易袋102可以接收来自读出器104的两种信号。在此情况，交易袋102可以配置为优先选择一个或另一个频率并拒绝余下的频率。替换地，读出器104可以在询问时从交易袋接收两个频率的信号。在此情况，读出器104可以配置为优先选择一个或另一个频率并拒绝余下的频率。
进一步来说，协议/序列控制器314可以包括可选的反馈功能以通知用户特殊交易的状态。例如，可选反馈可以形式为LED、LED屏幕和/或配置为发光或显示静态的、滚动的、闪烁的和/或其他消息和/或信号来通知交易袋102用户：交易已发起(如，正在询问交易袋)、交易袋合法(如，交易袋经验证)、正在处理交易(如，正在由RFID读出器读取交易袋账号编号)和/或交易被接受或拒绝(如，准许或不准许交易)的其他可视显示。这样的可选反馈可以或可以不伴随声音指示器(或单独提供声音指示器)向交易袋102用户通知交易的状态。声音反馈可以是配置为当交易袋102被询问时指示交易状态或其类似的简单音调、多重音调、音乐指示器和/或语音指示器。
RFID天线106可以连接应答器306以发送询问信号并从交易袋102接收至少一个验证请求信号和/或账号数据。应答器306类似于图2的应答器114。特别地，应答器306可以配置为以如对交易袋应答器114说明的类似方式发送和/或接收有与天线202兼容的格式的RF信号。例如，当应答器306频率为13.56MHz RF，天线202可以为13.56MHz兼容的。类似地，当应答器306频率为ISO/IEC 14443，天线106可以为ISO/IEC 14443兼容的。
RF模块302可以包括，例如，与验证电路308连接的应答器306，验证电路308与安全数据库310连接。验证电路308和数据库310类似于图2中的验证电路210和安全存储器数据库212。例如，数据库310可以存储对应于已授权在系统100上进行商业交易的交易袋102的数据。数据库310可以附加地存储RFID读出器104标识信息以提供给交易袋102在验证RFID读出器104是否授权取得存储在交易袋数据库214中的交易袋账号编号时使用。
验证电路308的说明和操作类似于验证电路210。即，以验证电路210配置为验证由RFID读出器104提供的信号类似的方式，验证电路308可以配置为验证由交易袋102提供的信号。如下面更加详细的说明，交易袋102和RFID读出器104进行相互验证。在这个语境中，“相互验证”可以指系统100的操作不发生，直到交易袋102验证了来自RFID读出器104的信号，且RFID读出器104验证了来自交易袋102的信号。
图4为流程图，根据本发明展示典型验证处理。验证处理以单向进行说明。即，流程图说明了RFID读出器104验证交易袋102的处理，虽然在交易袋102验证RFID读出器104的情况下可以采取类似的步骤。
如上所述，数据库212可以存储安全密钥以加密或解密从RFID读出器104接收的信号。在典型验证处理中，当RFID读出器104验证交易袋102时，RFID读出器104可以向交易袋102提供询问信号(步骤402)。询问信号可以包括由RFID读出器验证电路210产生的随机码，它被提供给交易袋102并且使用对应于交易袋102唯一标识码的唯一加密密钥进行加密。例如，协议/序列控制器314可以提供命令来激活验证电路308。验证电路308可以从数据库310提供交易袋询问信号，交易袋询问信号包括作为对每个验证信号产生的验证码的一部分的随机数。验证码可以为由RFID读出器104和交易袋102可识别(如，可读)的字母数字代码。验证码可以通过RFID RF接口306和天线106(或替换地，天线108)提供给交易袋102。
交易袋102接收询问信号(步骤404)。包含验证码的询问信号可以在RF接口114通过天线202接收。一旦交易袋102被激活，包含验证码的询问信号可以提供给调制器/解调器电路206，在其中提供信号给协议/序列控制器208之前可以解调制该信号。协议/序列控制器208可以识别询问信号为验证交易袋102的请求，并提供验证码给验证电路210。然后交易袋102可以加密验证码(步骤406)。特别地，加密可以由验证电路210进行，它可以接收验证码并在提供加密的验证码到协议/序列控制器208之前加密该码。然后交易袋102可以提供加密的验证码到RFID读出器104(步骤408)。即，加密的验证码可以通过调制器/解调器电路206、RF接口114(如应答器114)和天线202提供给RFID读出器104。
然后RFID读出器104可以接收加密的验证码并对其解密(步骤410)。即，加密的验证码可以在天线106和RF接口306接收并提供给验证电路308。可以从数据库310提供安全验证密钥(如，应答器系统解密密钥)给验证电路308。验证电路可以使用验证密钥来解密(如，解锁)加密的验证码。可以基于交易袋102唯一标识码提供验证密钥给验证电路。例如，加密的验证码可以和唯一交易袋102标识码一起提供。验证电路可以接收交易袋102唯一标识码并从数据库310检索对应于唯一交易袋102标识码的应答器系统解密密钥用于解密加密的验证码。
一旦验证码被解密，在步骤402(步骤412)比较解密的验证码和由RFID读出器104提供的验证码以校验其身份。如果解密的验证码对验证电路308不可读(如，识别)，交易袋102被视为非授权的(如，非校验的)(步骤416)且系统100的操作终止(步骤418)。相反，如果解密的验证码可由交易袋102识别(如，经校验)，解密的验证码被视为已验证的(步骤412)，且允许继续交易(步骤414)。在一个特殊实施例中，继续交易可以指交易袋102在RFID读出器104验证交易袋102之前验证RFID读出器104，虽然很明显RFID读出器104可以在交易袋102验证RFID读出器104之前验证交易袋102。
应注意在典型校验处理中，验证电路308可以确定解密的验证码是否和在步骤402中提供的验证码相同。如果两者不同，那么交易袋102不被授权访问系统110。虽然，用两者相同来说明交易处理，这并不是必需的。例如，验证电路308可以通过任何协议、步骤或处理校验解密的代码以确定解密的代码是否对应于授权的交易袋102。
验证电路308另外可以连接协议/序列控制器314，其操作和说明与图2的协议/序列控制器208类似。即，协议/序列设备控制器314可以配置为确定RFID读出器104组件的操作顺序。例如，图5展示操作协议/序列控制器314的典型判断处理。协议/序列控制器314可以基于是否出现交易袋102控制RFID读出器104的不同组件(步骤502)。例如，如果交易袋102未出现，那么协议/序列控制器314可以控制RFID读出器104提供不中断的询问信号(步骤504)。即，协议/序列控制器可以控制验证电路308提供不中断的询问信号直到有交易袋102出现。如果有交易袋102出现，协议/序列控制器314可以控制RFID读出器104验证交易袋102(步骤506)。
如上所述，验证可以指协议/序列控制器314可以控制验证电路308向交易袋102提供验证码。如果从交易袋102接收到响应，协议/序列控制器可以确定该响应是否为对向其提供验证码的RFID读出器104的响应，还是该响应为要求验证的信号(步骤508)。如果该信号要求验证，那么协议/序列控制器314可以按上述(步骤506)激活验证电路。换句话说，如果交易袋102信号是对提供的验证码的响应，那么协议/序列控制器314可以控制RFID读出器检索适合的安全密钥使得能够进行信号的识别(步骤510)。即，协议/序列控制器314可以控制验证电路308从数据库310检索安全密钥(如，应答器系统解密密钥)、解密该信号，并在验证处理中(如，步骤506)比较该信号和由RFID读出器104提供的信号。如果能识别该信号，协议/序列控制器314可以确定授权交易袋102访问系统100。如果不能识别该信号，那么交易袋102被视为未授权。在这种情况下，协议/序列控制器314可以控制RFID控制器询问查找授权的交易袋(步骤504)。
一旦协议/序列控制器确定交易袋102已授权，协议/序列控制器314可以查找以确定交易袋102是否发送附加的信号(步骤514)。如果交易袋102没有提供附加的信号，那么协议/序列控制器314可以让RFID读出器104的所有组件保持空闲直到提供信号这样的时候(步骤516)。相反，当提供了附加的交易袋102信号时，协议/序列控制器314可以确定交易袋102是否请求对商家销售点终端110(如POS设备)的访问或交易袋102是否尝试询问RFID读出器104查找返回(如，相互)授权(步骤518)。当交易袋102请求对商家销售点终端110的访问时，协议/序列控制器314可以控制RFID读出器104打开和销售点终端110的通讯(步骤524)。特别地，协议/序列控制器314可以控制激活销售点终端通讯接口312，允许RFID读出器104和商家销售点终端110之间的数据传输。
换句话说，如果协议/序列控制器确定交易袋102信号是相互询问信号，那么协议/序列控制器可以控制RFID读出器104加密该信号(步骤520)。协议/序列控制器314可以控制加密验证电路318从数据库320中检索适合的加密密钥以响应交易袋102的相互询问信号。协议/序列控制器314然后可以控制RFID读出器104提供加密的相互询问信号给交易袋102。协议/序列控制器314可以控制验证电路318向交易袋102提供加密的相互询问信号进行相互验证。然后交易袋102可以接收加密的相互询问信号并从验证电路212检索RFID读出器解密密钥。
虽然说明了协议/序列控制器314的典型判断处理，应理解协议/序列控制器208在控制交易袋102的组件时可以采取类似的判断处理。实际上，如上所述，协议/序列控制器314可以有和协议/序列控制器208类似的操作和设计。另外，对上述而言，协议/序列控制器208和314可以在判断处理中包含适合的命令以在连接对应设备时启用USB接口222和316。
加密/解密组件318可以进一步连接到安全账号编号数据库320，数据库320存储解密加密的交易袋账号编号所需的安全密钥。从协议/序列控制器314接收到适合的请求时，加密/解密组件(如电路318)可以检索适合的安全密钥，解密交易袋账号编号并以后面连接的任何POS设备110可读的任何格式转发解密的账号编号到协议序列控制器314。在一个典型实施例中，账号编号可以用和ISO/IEC 7813标准兼容的已有磁条格式来转发。即，根据本发明，不需要象已有技术那样转换或关联账号编号到传统的磁条格式。本发明直接处理交易请求，就像已经有和账号关联的卡用于付款那样。
当接收到磁条格式的账号编号时，协议/序列控制器314可以通过通讯接口312和数据连接122转发账号编号到POS设备110，如图1所示。POS设备110可以接收解密的账号编号并转发磁条格式的账号编号到商家网络112用于在商家的业务下如通常的标准那样处理。这样，本发明消除了第三方服务器的需要。进一步来说，当POS设备110从网络112(如交易被授权或被拒绝)接收响应时，协议/序列控制器314可以提供网络响应给RF模块302用于光学地和/或有声地发送给响应给交易袋102用户。
RFID读出器104可以附加地包括连接协议/序列控制器314的USB接口316。在一个实施例中，USB接口可以为RS22串行数据接口。替换地，RFID读出器104可以包括连接协议/序列控制器314的串行接口，如RS232接口。USB连接器316可以连接初始化RFID读出器104为系统100应用参数的个性化系统116(图1B所示)。即，在系统100工作之前，RFID读出器104可以连接个性化系统116以写入属于授权交易袋102的安全密钥的列表到数据库310，并写入安全密钥到数据库320以解密交易袋102账号编号，设置账号编号为ISO/IEC 7813格式。这样可以写入由交易袋验证电路210用来确定RFID读出器104是否授权接收交易袋102加密的账号编号的唯一标识符(如，序列号)到RFID读出器104。
图1B根据本发明展示典型个性化系统100B。总的来说，典型的个性化系统100B可以为用于初始化在系统100A中使用的RFID读出器104和交易袋102的任何系统。引用图1B，展示对交易袋102的类似的个性化处理。例如，个性化系统116可以通过RF ISO 14443接口114连接交易袋102用于写入安全密钥到数据库212以帮助验证唯一RFID读出器104标识符。另外，个性化系统116可以写入RFID读出器104在确定交易袋102是否授权访问系统100时使用的唯一交易袋102标识符到数据库212。个性化系统116可以写入(如，插入)加密的交易袋102账号编号到交易袋数据库214以在后面提供给已验证的RFID读出器104。
在一个典型实施例中，个性化系统116可以包括如上所述的任何标准计算机系统。例如，个性化系统116可以包括包含可使用任何常规图形用户接口操作的硬件安全模块的标准个人计算机。在写入安全密钥信息账号编号和唯一标识信息到交易袋102或RFID读出器104之前，硬件安全模块可以验证交易袋102和RFID读出器104来校验组件授权接收安全信息。
图6A-B展示用来个性化交易袋102和/或RFID读出器104的个性化处理的典型流程图。虽然下面的说明主要阐述交易袋102的个性化，RFID读出器104可以使用类似处理进行个性化。发生在个性化系统116和将进行个性化的设备(如，交易袋102或RFID读出器104)之间的个性化处理，开始于，例如步骤602。相互验证可以用和交易袋102相互地验证RFID读出器104很相似的方式，发生在个性化系统116和将验证的设备之间。即，个性化系统116可以发送个性化系统116标识符到将验证的设备，并由设备验证电路210、308将其和存储在设备数据库212、310中的个性化系统标识符比较。当不匹配时(步骤604)，中断个性化处理(步骤612)。当匹配时(步骤604)，个性化系统可以准备提供给将个性化的设备的个性化文件(步骤606)。当个性化系统116操作者选择延迟个性化文件的准备时，系统116可以中断个性化处理(步骤610)。在此情况下，个性化文件可以包括唯一的交易袋102或RFID读出器104标识符、加载到数据库212和310中的安全密钥，和/或加载到数据库320中的解密交易袋账号编号的安全密钥。
可以用通过RF ISO/IEC 14443接口114到个性化系统116的直接连接来个性化交易袋102，或可以使用RFID读出器104个性化交易袋102。个性化系统116和RFID读出器114可以进行相互验证且RFID读出器104可以配置为通过RF发送交易袋个性化文件到交易袋102。一旦将交易袋102提供给RFID读出器104(步骤608、614)进行个性化，交易袋102和RFID读出器104可以进行相互验证(步骤614)。当未将交易袋102提供给RFID读出器104进行个性化时，个性化处理中断(步骤610)。
如果检测到交易袋102，个性化系统116可以创建唯一标识符作为个性化文件的一部分提供给交易袋102(步骤616)。该标识符是唯一的，因为一个标识符仅能给一个交易袋。即，没有其他交易袋会由同样的标识符。然后可以用那个标识符配置并加载交易袋(步骤618)。
加密的交易袋102账号编号可以用和对交易袋102唯一标识符所述相同的方式写入交易袋102。即，个性化系统116可以预先加密账号数据(步骤640)并插入加密的账号到交易袋数据库214(步骤622)。加密的账号数据可以按如上所述使用RFID读出器104加载(如，插入)到交易袋102。
一旦个性化文件被写入交易袋102，写入的信息被不可逆地锁定以防止修改、非授权读取和/或非授权访问(步骤624)。然后个性化系统116可以创建个性化文件信息的日志用于个性化系统116用户进行后面的访问及分析(步骤626)。
应注意，在个性化处理出问题或中断的事件中(步骤628)，个性化系统116可以发送安全警告给用户(步骤630)且可以中断个性化处理(步骤612)。换句话说，当没有这样的问题或中断时，个性化系统116可以准备在将个性化的第二个设备上开始初始化。
图7A-B展示可以用来个性化RFID读出器104的个性化处理的另一典型实施例。RFID读出器104可以通过RFID读出器USB连接316连接到个性化系统116(步骤702)。一旦连接，个性化系统116可以和RFID读出器104建立通讯且RFID读出器104可以向个性化系统116提供当前存储在RFID读出器104上的任何RFID读出器104标识数据(步骤704)。与步骤708一致，当RFID读出器104第一次被个性化时(步骤706)，RFID读出器104和个性化系统116可以如上面对图6A-B所述的进行相互验证。在相互验证完成后，个性化系统116可以校验RFID读出器104正确地制造或配置为在系统100内工作。校验可以包括通过确定RFID读出器是否接受预定的缺省设置来评估RFID读出器104的操作。即，个性化系统116然后可以向RFID读出器104提供一组缺省设置(步骤708)并确定RFID读出器104是否接受那些设置(步骤712)。如果RFID读出器104并不接受缺省设置，个性化系统116可以中断个性化处理(步骤714)。
如果个性化系统116确定个性化处理并不是RFID读出器104进行的第一次个性化处理(步骤706)，个性化系统116和RFID读出器104可以使用已存储在RFID读出器104上的现有的安全密钥进行相互验证处理(步骤710)。如果验证不成功(步骤712)，个性化系统116可以中断个性化处理(步骤714)。
当个性化系统116和RFID读出器104成功地相互验证，个性化系统116可以更新RFID读出器104安全密钥(步骤716)。更新安全密钥可以发生在系统100管理者确定的任何时候。更新可以作为例行维护的一部分部分发生或仅安装当前的安全密钥数据。更新可以通过下载固件到RFID读出器104中来执行(步骤718)。在个性化系统116在步骤706确定RFID读出器104正在进行初始个性化的事件中，固件可以第一次加载到RFID读出器104中。在此情况，“固件”包括使RFID读出器102能够在系统100框架下工作的任何文件。例如，这样的框架可以指导RFID读出器协议/序列控制器314的操作。
然后个性化系统116可以确定个性化密钥(如，安全密钥、解密密钥、RFID标识符)是否需要被更新或RFID读出器104是否需要有个性化密钥的初始安装(步骤720)。如果是这样，那么个性化系统116可以适当地下载个性化密钥(步骤722)。
然后个性化系统116可以检查RFID读出器104以确定交易袋102标识符和对应的安全密钥是否应被更新或初始地加载(步骤724)。如果不需要更新，个性化系统116可以结束个性化处理(步骤732)。相反，如果个性化系统116确定交易袋102标识符和对应的密钥需要被更新或安装，个性化系统116可以下载信息到RFID读出器104上(步骤726)。该信息(如，交易袋安全密钥和标识符)以加密的格式被下载且RFID读出器104可以适当地存储该信息在RFID读出器数据库310中。然后个性化系统116可以创建或更新为个性化系统116用户在后面的使用和分析而编制的状态日志(步骤730)。更新状态日志后，个性化处理可以结束(步骤732)。
应注意，在某些情况下需要以类似于上述的方式重新个性化RFID读出器。在那种情况下，可以重复在图7A和7B中说明的个性化处理。
图8展示系统100A的操作的典型流程图。引用图1A来理解该操作，图1A说明可以用于典型交易的系统100A的元件。当客户需要提供交易袋102用于支付时，该处理开始(步骤802)。提供交易袋102时，商家通过RFID读出器104开始RF支付处理(步骤804)。特别地，RFID读出器发出询问信号以扫描交易袋102的出现(步骤806)。RF信号可以通过RFID读出器天线106或可选地通过外部天线108提供。然后客户提供交易袋102用于支付(步骤808)且交易袋102由提供的RF询问信号激活。
然后交易袋102和RFID读出器104可以进行相互验证(步骤810)。当相互验证不成功时，可以把出错消息通过RFID光学和/或声音指示器提供给客户(步骤814)且中断该交易(步骤816)。当相互验证成功时(步骤814)，RFID读出器104可以向客户提供适当的光学和/或声音消息(如，“交易处理中”或“等待”)(步骤818)。然后交易袋协议/序列控制器208可以从数据库214中检索加密的交易袋账号编号并提供加密的账号编号给RFID读出器104(步骤820)。
RFID读出器104可以解密账号编号并转换该账号编号为磁条(ISO/IEC7813)格式(步骤822)并提供解密的账号编号给商家系统130(步骤828)。特别地，账号编号可以提供给POS 110设备用于发送到商家网络112来处理。如下引用图10-13阐述本发明的典型处理方法。在处理时，POS设备110可以发送光学和/或声音交易状态消息给RFID读出器104(步骤830)来通知客户(步骤832)。
处理交易的方法可以包括几种格式中如交易袋的发行者所要求的一种。例如，一种处理方法可以包括在预加载的交易袋格式下处理交易，其中支付值(如，金钱值、奖励积分值、物物交易积分值等等)可以在允许使用交易袋之前预加载到预加载值账号或数据文件。这样，使用交易袋时可以允许用户不顾货物和服务的交易的支付金额。在交易的处理中，交易的批准可以包括比较交易金额和存储(或保留)在预加载值数据文件中的金额。可以通过预加载值处理系统作出比较，其中预加载值处理系统可以比较将处理的交易金额和预加载值数据文件。当交易金额超过存储在预加载值账号中的金额时，预加载值处理系统可以拒绝授权完成交易、请求用户增加数据文件中的值、请求另一种形式的支付以完成所有或部分交易金额，并/或符合完成相关的支付的金融机构要求的其他任何方法。当交易金额未超过存储在预加载值数据文件账号中的金额时，预加载值处理系统可以提供交易的授权。
引用图10展示典型的预加载值处理系统1000。预加载值处理系统1000可以包括包含应答器114的交易袋102，它如图1说明的那样通过RFID读出器104或计算机接口134连接到商家系统130。商家系统可以连接到发行者系统1010，其中发行者系统1010可以由允许交易袋102的用户存储预加载值金额在和数据库212有类似结构的发行者数据库1012中维护的预加载值账号(如，数据文件)的任何实体(如，非金融或金融机构、American Express、Visa和/或MasterCard等等)来维护。发行者系统1000可以进一步包括一个或多个处理服务器用于处理交易袋交易。如所示，POS设备110(包括在商家系统130中)可以连接到用于从POS设备110接收交易袋账号信息的发行者账号服务器(IAS)1014。IAS 1014可以进一步连接到用于处理包括预加载值交易袋的交易的预加载值授权服务器(PLAS)1016。PLAS 1016可以进一步连接到发行者数据库1012以从用于满足预加载交易袋或商家交易请求的预加载值数据文件(未标出)中检索资金。在此情况，预加载值数据文件可以作为例如一个或多个子文件包括在数据库1012中。
如在此所用，术语“发行者”或“账号提供者”可以指帮助使用交易袋的交易的支付的任何实体，且可以包括允许使用至少一个预加载和非预加载交易袋的支付的系统。典型的发行者可以为，例如，American Express、MasterCard、Visa、Discover及其类似。在预加载值处理情况下，交易值(如，金钱、奖励积分、物物交易积分等等)可以存储在用于完成请求的交易的预加载值数据文件中。在一个实施例中，交易值并不存储在交易袋自身中。进一步来说，预加载值数据文件可以记为交易金额的借方，因此预加载值账号可以得到补充。如下更详细的说明，预加载值系统平台可以用于完成“直接连接”交易。在其中，预加载值账号可以充当占位符并存储零值。
预加载值数据文件可以为任何用于存储可以交易商品或服务的值(如，金钱、奖励积分、物物交易积分等等)的常规数据文件配置。在那一点上，预加载值数据文件可以有如发行者系统1010确定或需要的任何配置。
在典型操作中，交易袋识别信息(如，账号编号或交易袋标记)可以用和引用图1的说明类似的方式提供给POS设备110。即，可以通过RFID读出器104或计算机接口134向商家系统130提供交易袋102，交易袋识别信息以Track1或Track 2格式，或任何可由POS设备110和/或发行者系统1001识别的格式提供。包括在商家系统130中的POS设备110可以接收交易袋102识别信息并向发行者系统1010提供交易袋102识别信息和交易识别信息(如，金额、数量、商家标识等等)以进行授权。商家系统130可以附加地包括用于指示商家系统身份的商家系统标记或标识符。商家系统130可以组合交易袋102识别信息、商家识别信息，和/或交易识别信息，到商家交易请求中以提供给发行者系统1010。
IAS 1014可以接收交易和交易袋识别信息(或商家交易请求)并适当地识别和与预加载交易袋关联的预加载值账号相关的交易请求。即，IAS 1014可以识别该用户提供了预加载交易袋102用于支付。交易袋102作为预加载交易袋的识别可以指交易袋识别信息包括指示该交易袋关联于预加载值数据文件的标记或标识符。识别标记后，IAS 1014可以转发交易和交易袋识别信息给PLAS 1016来处理。PLAS1016可以比较交易金额和存储或余留在预加载值中的值以确定应授权还是拒绝。当交易金额超过存储在预加载值数据文件中的值时，PLAS 1016可以转发交易拒绝消息给IAS 1014以提供给商家系统130，或PLAS可以帮助请求用户增加数据文件中的值，请求另一种形式的支付以完成所有或部分交易金额，并/或符合完成与当前或未来的支付相关的金融机构要求的其他任何方法。替换地，当交易金额小于或等于存储在预加载值数据文件中的值时，PLAS 1016可以从预加载值数据文件中减去所需的金额用于满足交易。
如上所述，在本发明的一个典型实施例中，PLAS 1016可以因为各种金融安全的原因提供交易拒绝消息给IAS 1014，如当存储在预加载值账号中的金额小于满足商家或交易袋交易请求所需的金额时。在此情况，当预加载值低于预定最小水平(如，最小消耗水平)时，交易袋用户需要重加载预加载值数据文件。预加载值账号的重加载可以手动地发生(如由交易袋用户通过电话或在线)或当存储在预加载值数据文件中的值消耗到预定水平时自动地发生。当自动地进行重加载时，重加载可以在交易袋发行者或所有者建立的规则下发生。例如，当存储的值低于预定金额时，重加载可以发生在预定的时间间隔，直到达到预定时间段内的最大重加载次数或直到达到预定时间段内的最大重加载金额。
在另一典型操作中，处理系统1000可以离线工作。如，商家系统130可以对发行者系统1010离线。即，交易可以在传输交易识别信息到发行者系统之前在商家系统130中得到批准。相反，可以向商家系统130提供批准协议用于评估商家交易请求。例如，当交易低于特定金额、包括特殊商家或货物或服务，或从特殊地点请求及其类似时，批准协议可以提供交易批准。一旦离线交易完成，商家可以通过单独地、成批地，或在商家确定的任何提交处理下提交该交易到发行者以在后面的时间段满足交易。
对离线交易，交易袋102可以包括追踪离线交易次数的计数器(未标出)。一旦尝试的预定次数的交易，计数器可以用来帮助禁止交易袋102的使用。在这时交易袋102的用户必需执行在线交易从而计数器可以被重置，再次允许交易袋的离线使用。能够理解，在预定次数的离线使用之后要求在线使用可以作为附加的安全措施。
图11A和11B说明根据本发明执行的典型预加载和重加载处理。预加载和重加载处理可以使用一个或多个连接资金源1104的服务器(如，PLAS 1016)来执行。虽然使用PLAS 1016来展示处理，可以使用配置用于建立和管理数据文件的任何服务器。然而，为了帮助进一步理解本发明，引用PLAS 1016来说明本发明的预加载和重加载方面。
PLAS 1016可以用来在服务器上或在数据库(如数据库1012)上建立预加载值账号(如，数据文件)(1106)。预加载值账号可以由交易袋发行者/账号提供者提供资金或维护，交易袋发行者/账号提供者可以建立和充值卡或信用卡(如，Visa、MasterCard、American Express、Discover等等)、借记或直接借记授权(DDA)系统。关联的信用、充值、借记、奖励值账号、忠诚账号，或其类似。
可以建立预加载值账号为有至少预定最小预加载金额或值(如，最小预加载水平)，如账号提供者和/或交易袋用户或所有者确定的那样。在此情况，建立预加载值账号所需的预定最小值(如，最小预加载值)根据特殊交易袋用户而不同。可以用从资金源1104(American Express、Visa、MasterCard、Discover、充值卡或其类似)中的一个接收的资金加载(如预加载或重加载)预加载值账号。进一步来说，可以用从忠诚或奖励积分提供者接收的值加载预加载值账号。为了帮助理解本发明，忠诚或奖励积分提供者在此作为资金源引用。因此，PLAS 1016可以和资金源1104通讯以获取资金或值来加载和/或重加载预加载值账号(1108)。
图11B根据本发明展示典型重加载处理。在操作中，客户可以向商家系统130提供预付交易袋102以购买货物或服务(1110)。然后预加载值账号消耗支付给商家系统130的金额值。可以重复购买货物的处理直到存储在预加载值账号中的值等于或小于最小水平余额(如，最小消耗水平)。最小消耗水平可以由交易袋用户或交易袋发行者预先确定，并可以为在文件必需重加载之前允许存储在预加载值账号中的最小值。
一旦预加载值数据消耗得达到最小消耗水平，PLAS 1016可以触发自动重加载以用从资金源1104检索到的资金重加载预加载值账号(1112)。检索到的资金的金额可以足够用于加载预加载值账号到上述的最小金额或到某些其他预定重加载值。在一个典型实施例中，当达到预定最小消耗水平(如，“最小水平余额”)时，PLAS 1016可以触发自动重加载。即，在自动重加载发生之前，预加载值账号可以不完全消耗到零值。在此情况，PLAS 1016可以用资金源1104的可用资金充值自动重加载所需的资金。在另一典型实施例中，当交易超过存储或余留在预加载值账号中的金额时，可以发生自动重加载。这样，预加载值账号可以恢复到完成交易所需的金额。例如，当自动重加载恢复预加载值账号到适合于完成交易的值时，预加载值账号可以在处理交易之前自动地重加载。
在另一典型实施例中，自动重加载可以基于不同的用户或发行者自动重加载准则发生。其他自动重加载准则可以包括，但不仅限于，重加载直到达到定义的时间段内的预定最大加载金额、在选定的重发生时间间隔(如，一月一次)重加载、允许重加载直到达到定义的指定时间段内的最大重加载次数，或重加载直到达到定义的指定时间段内的最大重加载金额。在某些情况下，重加载可以手动地实现，如，当交易袋用户用电话或通过用户接口联系发行者以提供用于重加载预加载值账号的指定的资金准则和资金源。
在又一典型实施例中，当交易值超过存储在预加载值账号中的预加载值金额时，预加载值交易处理系统可以允许交易的批准。即，预加载的交易袋可以用来购买超过预加载值金额，只要商家提交的费用在提交时小于或等于允许的最大重加载金额加上存储在卡上的金额。
在另一典型实施例中，预加载值系统可以基于特定商家的交易处理协议批准交易。当发行者审察并/或批准商家的交易处理方法时，系统可以采取该方法以确定是否批准商家的交易请求。例如，商家的交易处理方法可以包括商家提交超过预加载值账号的交易请求，但实际的费用小于或等于预加载值金额。在此交易处理方法下，商家，如汽油商家，可以寻求预预期加油金额的批准。客户或商家都不必知道购买的实际最终值，特别是，例如，当客户决定加满他的汽车油箱或购买非燃料时。因此，商家可以提交高于最终交易金额的交易请求。商家可以实时或在后面的时间段以和上述对离线交易请求处理类似的方式提交交易请求。在线处理或离线处理中，预加载值交易处理系统仍然可以配置为批准交易请求。处理系统可以识别交易来自特殊商家和机构，预定批准协议关联于该商家，因为批准协议可以包括商家发送超过实际费用的交易请求的信息。
交易处理系统可以使用任何一种可接受的用于识别商家的技术，如识别商家ID，或附加到交易的标记，或其类似。处理系统可以关联商家ID和用于请求金额大于预加载值(或重加载值)的交易批准，并相应地批准商家请求的商家协议。
根据预加载值处理系统1000的另一典型实施例，当从IAS 1014接收交易请求时，PLAS 1016可以基于由发行者对在线或离线交易建立的几个风险准则评估交易请求。如果成功地符合所有准则，那么PLAS 1016可以发送交易的授权(如，“批准交易”)到IAS 1014以提供给商家系统130。同时或紧随着提供交易授权给IAS 1014，PLAS 1016尝试用在账号提供者数据库1012上维护的交易袋值账号满足交易。交易请求可以提供给IAS 1014来处理。即，IAS1014可以尝试从存储在预加载值账号中的金额的余额中减去交易值。
图12根据本发明说明另一交易处理系统(“直接连接”系统)1200的典型实施例。更特别地，图12说明可以用来处理商家交易请求的直接连接系统1200。在此情况，直接连接系统可以为帮助满足使用交易袋或直接连接到存储交易值(如，金钱、信用或充值，或奖励积分等)的账号的其他可提供媒体(信用卡、充值卡、借记卡等等)的交易请求的任何系统。在此情况，预加载值账号不必按如上所述预加载。进一步来说，预加载值账号可以连接到有触点的金融产品，如信用卡、借记卡和/或DDA卡等等，可以提供它们用于货物和服务的支付。在这一点上，交易袋(在此称为“直接连接交易袋”)和卡都与同一资金源关联且用户或商家可以尝试用资金源满足交易，无论是否使用直接连接交易袋或卡。在典型直接连接系统1200中，直接连接交易袋102的用户可以不建立有值的预加载值账号。相反，预加载值账号可以永远存储零值或交易袋102可以与用于对货物和服务向商家提供支付的交易袋交易账号关联，其中账号可以为信用、借记、忠诚账号等等。
根据本发明的典型实施例，和直接连接交易袋102关联的交易请求可以使用上述的预加载值交易处理系统来处理。然而，如上所述，在此情况预加载值账号被用作存储零值的占位符。包含和直接连接交易袋关联的交易账号值的交易账号被当作用于满足直接连接交易的资金源。在此情况，可以根据交易袋用户或发行者预定的协议或准则满足交易。
如所示，商家系统130可以连接接收商家交易请求的发行者系统1010。更特别地，POS设备110可以连接发行者服务器，如，接收商家和/或交易标识信息的发行者账号服务器(IAS)。IAS 1014可以进一步连接处理商家交易请求的PLAS 1016。在某些情况，PLAS 1016进一步连接第二个IAS 1202，虽然当一个或多个现有的服务器可以执行下面所述IAS 1202的功能时，第二个IAS 1202不是必需的。然而，IAS 1202包含在此以简化对本典型实施例操作的理解。
在系统1200的典型操作中，可以用和引用图1A的说明类似的方式提供直接连接交易袋识别信息(如，交易袋标识符或账号编号)给POS设备110。即，直接连接交易袋102可以通过RFID读出器104或计算机接口134提供给商家系统130，直接连接交易袋102识别信息以Track 1或Track 2格式提供。包括在商家系统130中的POS设备110可以接收直接连接交易袋102识别信息并提供直接连接交易袋102识别信息和交易识别信息(如，金额、数量、商家标识等)给发行者系统1010用于授权。
IAS 1014可以接收交易和交易袋识别信息并识别该交易请求和直接连接交易袋102相关。在此情况，直接连接交易袋102的识别可以指直接连接交易袋102识别信息包括指示交易袋和零值预加载值账号关联的标记或标识符。识别该标识后，IAS 1014可以转发该交易和交易袋识别信息到PLAS 1016进行处理。
以和对图10的预加载值处理系统的操作的说明类似的方式，PLAS 1016可以基于有发行者建立的几个风险准则评估交易请求。例子风险准则包括，但不仅限于，对指定时间段的交易金额限制、交易袋用户使用历史、资金或备用金限制、预定的重加入资金规则、用户定义的限制的考虑，或任何类似的评估性准则。如果成功地符合所有准则，那么PLAS 1016可以发送交易的授权(如，“批准交易”)到IAS 1014以提供给商家系统130。可以基于评估而非出现在存储和直接连接交易袋相关的值的预加载值账号或直接连接交易账号中的值提供交易授权给商家系统130。
在通过交易授权给IAS 1014后，PLAS 1016可以对尝试在发行者数据库1012上维护，且由从资金源1104接收的值提供资金的直接连接交易袋账号(如交易账号)的交易授权。授权请求可以提供给IAS 1202请求批准，IAS 1202可以从直接连接交易袋账号检索所需的值。例如，当直接连接交易袋账号为充值或信用账号时，PLAS 1016可以从第二个IAS 1202请求授权且IAS 1202可以用数据库1012上的直接连接交易袋账号评估交易金额。IAS 1202可以尝试在直接连接交易袋使用历史数据文件记录交易的金额用于在支付周期的最后进行支付(如，充值账号)，或可以将金额记录在交易袋直接连接交易袋使用数据文件中用于在晚于支付周期最后的日期进行支付(如，信用账号)。
在替换操作中，PLAS可以用直接连接交易袋账号评估交易金额，而不使用第二个IAS 1202。无论是否使用第二个IAS 1202处理交易，应理解值并不立即从直接连接交易袋账号传输到商家系统来满足交易。相反，直接连接交易袋发行者可以通过例如请求直到在支付周期的最后或以后从直接连接交易袋账号到检索特定值来保证商家交易的满足。即，PLAS 1016可以提供交易的授权，但不检索满足交易所需的值，直到商家提供与发行者系统结算的请求之后。
在又一典型交易处理系统1300说明图13中，商家系统130可以提供包含多个将处理的交易袋交易请求的批处理文件给处理服务器1302，其中多个交易袋交易可以包括预加载值和直接连接交易请求。系统1300可以包括区分预加载值和直接连接交易请求的处理服务器1302。即，处理服务器1302可以用于分离和预加载交易袋账号关联的交易袋交易与那些未和预加载交易袋账号关联的交易，如下面更详细的说明。处理服务器1302可以进一步连接IAS 1014以尝试交易的结算。IAS 1014可以根据上述的直接连接交易处理或预加载值交易平台处理交易请求。
在系统1300的典型操作中，处理服务器1302可以接收结算文件并根据交易请求的种类识别这些文件。例如，处理服务器1302可以对接收到的文件设置标记并创建和在交易中使用的交易袋类型关联的交易请求子文件(如预加载交易袋，及与充值或信用账号关联的直接连接交易袋)。处理服务器可以创建和文件标记关联的子文件。处理服务器1302可以对商家可支付创建第一个交易袋交易文件及对账号可接收创建第二个交易袋交易文件并将其转发到IAS 1014进行处理。当子文件包括商家可支付时，处理服务器1302可以提供资金到商家用于交易的支付，其中提供的资金可以等于交易金额减去折扣收入。资金可以从资金源检索以提供给商家。替换地，处理服务器1302可以创建第二个交易袋交易文件用于账号可接收支付并转发第二个交易袋交易文件到IAS 1014。IAS 1014然后可以根据图10和图12中所述的处理来处理交易请求。即，IAS 1014可以区分预加载交易袋交易请求与那些和直接连接交易袋关联的交易请求并相应地处理交易。
考虑上述的不同交易处理系统的操作，可以看到所述的交易处理系统可以区分何时使用预加载交易袋、何时使用和交易袋关联的卡，或何时重加载和预加载交易袋关联的账号。在那一点上，本发明可以用于基于交易袋使用的种类奖励积分。积分(如，忠诚积分)可以存储在于发行者数据库(如数据库1012)上维护的积分或奖励账号。奖励积分然后可以晚些从奖励账号中兑换，用于按交易袋用户的需要交易货物和服务。对忠诚系统和交易系统的更多信息，参见，例如，2001年4月17日由发明人Voltmer等提交且标题为“连网的忠诚程序的系统和方法”的美国专利申请序列号No.09/836,213；2001年12月20日由发明人Ariff等提交且标题为“连网的忠诚程序的系统和方法”的美国序列专利申请序列号No.10/027,984、2001年11月6日由发明人Haines等提交且标题为“连网的忠诚程序的系统和方法”的美国序列专利申请序列号No.10/010,947；如2000年9月5日提交的序列号60/230,190揭示的ShopAMEXTM系统；在2002年4月14日提交的序列号No.60/197,296、2000年4月28日提交的序列号No.60/200,492、2000年5月2日提交的序列号No.60/201,114中揭示的MR as CurrencyTM和“忠诚奖励系统”；如在1999年2月1日提交的序列号No.09/241,118中揭示的存储值的卡；使用二级交易编号帮助交易的系统在2001年3月7日提交的序列号No.09/800,461，及相关的预申请序列号2000年3月7日提交的No.60/187,620、2000年4月28日提交的序列号No.60/200/625和2000年5月22日提交的序列号No.60/213,323中揭示，上述所有包含在此引用。在线成员奖励系统的其他例子在1998年6月30日提交的网络激励美国专利No.5,774,870及1999年12月29日提交的美国专利No.6,009,412中揭示，它们包含在此引用。
如所述，在一种情况下，除了使用和交易袋关联的卡之外，当使用交易袋时也可以提供积分。例如，IAS 1014可以识别正在使用交易袋并对分配给交易袋用户或与交易袋关联的奖励账号奖励积分(如，忠诚积分)。可以基于由交易袋发行者确定的任何准则奖励忠诚积分。典型的奖励准则可以包括这样奖励积分，例如，对经常使用交易袋、使用交易袋单次购买的金额、在给定时间段内购买的总金额、商家的位置、商家的类型，或任何这样用于激励交易袋的使用的准则。
当如图10所述那样交易袋和预加载值账号关联时，可以对账号重加载奖励积分。即，IAS 1014可以在和按要求加载的或重加载的金额相关的奖励账号中放入奖励积分。进一步来说，IAS 1014可以和交易袋在特殊的商家或对特殊交易的使用相关的奖励账号中放入奖励积分。
应注意和交易袋102关联的奖励账号可以包括使用限制，如，每次购买支出限制、一天中使用的时间、一星期中使用的日子、特定商家的使用和/或其类似，其中当在限制之外使用交易袋时需要附加的校验。限制可以由交易袋102用户个人指定，或由账号提供者指定。例如，在一个典型实施例中，可以建立账号以使得$X以上的购买(即，支出限制)必需由客户校验。可以使用由交易袋102或支付授权中心(未标出)作为对交易袋102持有者(即客户)唯一及相关的交易袋102交易账号编号来识别的合适的个人身份号码(PIN)提供这样的校验。当请求的购买高于建立的每次购买支出限制时，要求客户提供，例如，PIN、生物测量样本和/或类似的二级校验来完成交易。即，例如，交易袋102可以在商家系统130或RFID读出器104常规的小键盘上输入唯一的PIN。该PIN可以通过给授权中心用于和存储在发行者系统中的相关的PIN比较。替换地，该PIN可以通过RFID读出器104提供给交易袋102。交易袋102可以通过比较该PIN与存储在例如安全存储器212上的相关的PIN来校验该PIN。
当校验PIN使用作为二级校验时，可以用和交易袋102校验账号编号相关的确认PIN检查校验PIN的正确性。确认PIN可以存储在本地(如，在交易袋102上)，或可以存储在支付授权中心的数据库(1012)中。支付授权中心数据库可以为由交易袋102交易账号提供者维护和操作的任何数据库1012。
可以使用和POS设备110连接的常规商家(如POS)PIN小键盘118，如图1所示，或和RFID读出器104连接的RFID小键盘提供校验PIN给POS设备110。PIN小键盘可以使用上述的任何常规数据连接与POS设备110(或替换地，RFID读出器104)连接。当接收校验PIN时，RFID读出器104可以尝试匹配该PIN和存储在RFID读出器104数据库310或320中的确认PIN。替换地，校验PIN可以提供给支付授权中心以确定该PIN是否与存储在支付授权中心数据库中和交易袋102账号相关的PIN相匹配。如果匹配，购买不再受限制，且允许完成交易。
在另一实施例中，超过建立的支出限制的购买的校验可以包括包含在交易袋102中的生物测量电路。图9为典型交易袋102的示意图，其中交易袋102包括生物测量安全系统902。生物测量安全系统902可以包括用于传感交易袋102用户的指纹的生物测量传感器904。生物测量传感器902可以连接用于接收传感器指纹并激活交易袋102的操作的传感器接口/驱动器906。电池903与生物测量传感器904和传感器接口906连接用于提供操作生物测量安全系统组件所需的电源。
在包括生物测量安全系统902的交易袋102的一个典型应用中，客户可以放置他的手指在生物测量传感器上以开始交易袋102和RFID读出器104之间的相互验证处理，或提供用户身份的二级校验。传感器指纹可以数字化并且和存储在包括在交易袋102上的数据库(如安全数据库212)中的数字化的指纹比较。这样的比较步骤可以由协议/序列控制器208控制并由验证电路210校验。当作出这样的校验时，可以开始交易袋102和RFID读出器104之间的相互验证，且相应地继续交易。替换地，比较可以用存储在由交易袋102交易账号提供者系统(未标出)维护的数据库中的数字化的指纹做出。可以用与对上述PIN几乎相同的方式校验数字化的指纹。
在包含生物测量安全系统902的交易袋102的一个典型应用中，系统902可以用于授权超过建立的每次购买支出限制的购买。在此情况，当客户期望的购买超过支出限制时，要求客户提供该购买经授权的保证。相应地，客户可以通过放置他的手指到生物测量传感器904上提供这样的校验。然后生物测量传感器904可以数字化该指纹并提供数字化的指纹用于上述校验。一旦经校验，交易袋102可以提供交易授权信号给RF应答器202(或替换地给应答器220)用来转发给RFID读出器104。然后RFID读出器104可以用和对常规PIN驱动的系统类似的方式提供该交易授权信号给POS设备110且POS设备110可以在商家的业务之下按一般标准处理该交易。
根据本发明的另一典型实施例，向交易袋用户提供对在用于管理交易袋使用和交易袋用户信息的发行者系统上维护的交易袋用户数据文件的有限访问。用户可以通过电话、在线或离线访问。交易袋用户可以访问交易袋用户数据文件以更改，例如，人口统计信息(如，交易袋用户地址、电话号码、email地址等等)、和交易袋关联的资金源(如，信用账号、充值账号、奖励账号、物物交易账号等)，查看交易历史，等等。另外，可以允许交易袋用户加载或重加载账号或更改自动重加载参数(如，重加载的金额、重加载的周期等)。当不止一个交易袋102和交易账号相关时，可以向用户提供对与附加交易袋对应的数据文件的类似访问。
引用图1A，交易袋用户可以通过USB接口132连接交易袋102和计算机接口134。然后交易袋用户可以使用计算机接口134通过网络136访问交易袋用户数据文件。特别地，无论136可以连接发行者系统(如，图10的系统1010)并可以提供对管理交易袋的发行者服务器(如，服务器1014)的有限访问。发行者服务器1014可以连接发行者系统数据库(如，1012)，它存储和用户交易袋用户数据文件相关的管理的信息。交易袋用户对交易袋用户数据文件的更改可以实时、在很短或延长的延时之后做出。在一个实例中，更改可以存储在发行者数据库上的批处理更改文件中，用于后面的批处理。
本发明的典型实施例上述详细说明引用了附图，附图用图解方式展示典型实施例。虽然这些典型实施例以足够的细节说明以使得熟悉技术的人能够实践本发明，应理解可以实现其他实施例且可以做出逻辑和机械的改动而不偏离本发明的精神和范围。例如，以任何方法或处理权利要求说明的步骤可以用任何顺序执行且不仅限于示出的顺序。因此，上述详细说明仅为说明的目的而提供且没有限制，并且本发明的范围由上述说明和后附的权利要求来定义。

Claims (47)

1.一种应答器-读出器支付系统，其特征在于，所述系统包括：
a.响应射频询问信号的应答器系统，所述应答器系统包括应答器数据库、所述应答器数据库至少存储应答器系统标识符，所述应答器系统标识符包括标识所述应答器系统为预付应答器和直接连接应答器之一的标记；
b.和所述应答器系统进行射频(RF)连接的射频识别(RFID)读出器，所述RFID读出器提供所述询问信号到所述应答器系统并接收所述应答器系统标识符；
c.和商家标识符关联的商家系统，所述商家系统包括交互点设备，所述交互点设备和所述RFID读出器连接；所述RFID读出器提供所述应答器系统标识符给所述交互点设备，所述交互点设备将所述商家标识符和应答器系统标识符与用户交易请求关联，构成商家交易请求，所述交互点设备向发行者系统服务器提供所述商家交易请求；及
d.发行者系统，包括：
i.发行者系统服务器，所述发行者系统服务器和所述交互点设备连接，及
ii.包括预加载值的发行者系统数据库，所述预加载值和所述应答器系统标识符关联。
2.如权利要求1所述的应答器-读出器支付系统，其特征在于，所述预定值在使用应答器系统之前预加载到所述预加载值数据文件中，所述预定值大于零。
3.如权利要求2所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器识别所述应答器系统为预付应答器系统。
4.如权利要求3所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器比较所述用户交易值和所述预定值。
5.如权利要求4所述的应答器-读出器支付系统，其特征在于，所述用户交易请求为小于和等于所述预定值两者之一。
6.如权利要求5所述的应答器-读出器支付系统，其特征在于，所述发行者系统提供交易批准消息到所述商家系统。
7.如权利要求6所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器从所述预加载值数据文件中检索所述预定值的至少部分并向所述商家系统提供所述预定值的所述部分，导致所述预定值数据存储至少所述预定值减去所述所述预定值的部分的消耗值。
8.如权利要求7所述的应答器-读出器支付系统，其特征在于，所述消耗值小于最小消耗水平，所述发行者服务器重加载所述预加载值为所述预定值以对其响应
9.如权利要求8所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器连接到资金源，所述资金源与所述应答器系统标识符和所述预加载值关联，所述资金源包括资金源值。
10.如权利要求9所述的应答器-读出器支付系统，其特征在于，所述发行者服务器检索所述资金源值的部分用于重加载所述预加载值数据文件。
11.如权利要求4所述的应答器-读出器支付系统，其特征在于，所述用户交易请求超过所述预定值，所述发行者系统服务器提供交易拒绝消息到所述商家系统以响应所述比较。
12.如权利要求2所述的应答器-读出器支付系统，其特征在于，所述交互点设备是离线的，所述交互点设备比较所述用户交易请求和预定批准协议以进行批准或拒绝所述用户交易请求两者之一。
13.如权利要求1所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器识别所述应答器系统为直接连接应答器系统。
14.如权利要求13所述的应答器-读出器支付系统，其特征在于，所述预定值为零值。
15.如权利要求14所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器评估所述商家交易请求以根据至少一个预定准则进行批准。
16.如权利要求15所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器根据至少一个所述预定准则提供交易拒绝消息，所述提供交易拒绝消息给所述商家系统。
17.如权利要求15所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器根据至少一个所述预定准则提供交易批准消息，所述提供交易批准消息给所述商家系统。
18.如权利要求17所述的应答器-读出器支付系统，其特征在于，进一步包括连接所述发行者系统服务器的资金源，所述资金源和所述应答器系统标识符关联，所述资金源包括资金源值。
19.如权利要求18所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器贷记所述资金源以响应所述用户交易请求，所述用户交易请求的至少部分被增加到所述资金源值。
20.如权利要求18所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器根据所述用户交易请求充值所述资金源，所述发行者系统服务器接收所述资金源值的至少部分以对其响应，接收所述资金源值的所述部分在时间上晚于所述发行者系统服务器提供所述交易批准消息。
21.如权利要求13所述的应答器-读出器支付系统，其特征在于，进一步包括可提供用于满足所述商家交易请求的有触点的形状因子，所述有触点的形状因子包括有触点的形状因子标记，所述有触点的形状因子和所述应答器系统标识符和所述预加载值关联。
22.如权利要求21所述的应答器-读出器支付系统，其特征在于，所述有触点的形状因子是充值卡、信用卡、借记卡、忠诚卡和直接借记授权卡之一。
23.如权利要求21所述的应答器-读出器支付系统，其特征在于，所述有触点的形状因子标记被提供给所述商家系统，所述商家系统关联所述有触点的形状因子标记与构成商家有触点的交易请求的有触点的用户交易请求，所述商家系统提供所述商家有触点的交易请求给所述发行者系统服务器。
24.如权利要求23所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器接收所述商家有触点的发送请求并提供第二个交易批准消息和第二个交易拒绝消息中的至少一个给所述商家系统以对其响应。
25.如权利要求24所述的应答器-读出器支付系统，其特征在于，所述发行者系统数据库进一步包括交易批准数据文件，所述发行者系统服务器产生所述交易批准以响应所述交易批准消息和所述第二个交易批准消息的发送，所述交易批准数据文件从所述第二个交易批准消息中分离所述交易批准消息。
26.如权利要求25所述的应答器-读出器支付系统，其特征在于，所述发行者系统数据库进一步包括奖励积分数据文件，所述奖励积分数据文件和所述应答器系统标识符和所述有触点形状因子标记关联，所述奖励积分数据文件包括忠诚值标记。
27.如权利要求26所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器增加忠诚值到所述忠诚值标记以响应所述交易批准消息、所述第二个交易批准消息、所述商家标识符、所述商家交易请求和所述商家有触点交易请求中的至少一个。
28.如权利要求26所述的应答器-读出器支付系统，其特征在于，所述发行者系统服务器根据发行者预定的激励准则增加忠诚值到所述忠诚值标记。
29.如权利要求1所述的应答器-读出器支付系统，其特征在于，进一步包括：
a.连接所述发行者系统服务器的用户系统，所述用户系统和所述发行者系统是远程的；及
b.所述应答器系统进一步包括连接所述用户系统的通用串行总线接口；及
c.所述发行者系统数据库进一步包括包含用户人口统计子文件和应答器系统使用子文件中的至少一个的用户资料数据文件，所述人口统计子文件和所述应答器系统使用子文件可由所述发行者系统服务器管理，所述人口统计子文件存储多个用户人口统计标识符且所述应答器系统使用子文件存储对应答器系统使用的至少一个限制。
30.如权利要求29所述的应答器-读出器支付系统，其特征在于，所述用户系统向所述发行者系统服务器提供更新的人口统计标识符和更新的限制中的至少一个，所述更新的人口统计标识符对应于所述多个用户人口统计标识符中的至少一个，且所述更新的限制对应与所述至少一个限制，所述发行者系统服务器用所述对应的更新的人口统计标识符和所述对应的更新的限制替换多个用户人口统计标识符中的至少一个和至少一个限制。
31.如权利要求30所述的应答器-读出器支付系统，其特征在于，所述替换所述多个用户人口统计标识符中的至少一个和所述至少一个限制是实时进行的。
32.一种射频识别应答器-读出器支付的方法，其特征在于，所述方法包括：
a.通过射频信号向商家系统提供应答器系统标识符，应答器系统标识符包括预加载应答器系统标记和直接连接应答器标记两者之一，商家系统包括商家系统标识符；
b.关联应答器系统标识符和用户交易请求及商家系统构成商家交易请求，用户交易请求包含交易值；
c.向发行者系统服务器提供商家交易请求；
d.区分预加载应答器系统标记和直接连接应答器标记；及
e.关联预加载应答器系统标记和直接连接应答器标记中的至少一个及对应的预加载值，预加载值数据文件包含预加载值。
33.如权利要求32所述的方法，其特征在于，进一步包括预加载有大于零值的预加载值的预加载值数据文件：
a.比较用户交易值和预加载值；
b.当交易值小于或等于预加载值时向商家系统提供交易批准消息；
c.从预加载值中减去交易值；
d.向商家系统提供交易值；及
e.当达到预定最小消耗水平时重加载预加载数据文件。
34.如权利要求32所述的方法，其特征在于，进一步包括：
a.预加载有预加载值的预加载值数据文件；
b.比较用户交易值和预加载值；及
c.当交易值大于预加载值时向商家系统提供交易拒绝消息。
35.如权利要求33所述的方法，其特征在于，进一步包括：
a.关联有触点的形状因子标识符和应答器系统标识符；
b.向商家系统提供有触点的形状因子标识符；
c.关联有触点的形状因子标识符和第二个用户交易请求构成第二个商家交易请求，用户交易请求包含第二个交易值；
d.向发行者系统服务器提供第二个商家交易请求；及
e.比较第二个用户交易请求和预加载值。
36.如权利要求35所述的方法，其特征在于，进一步包括当第二个用户交易请求小于或等于预加载值时向商家系统提供第二个交易批准消息。
37.如权利要求35所述的方法，其特征在于，进一步包括当第二个用户交易请求大于预加载值时向商家系统提供第二个交易拒绝消息。
38.如权利要求36所述的方法，其特征在于，进一步包括产生应答器系统使用数据文件，包括交易批准消息和第二个交易批准消息的记录，从第二个交易批准消息分离的交易批准消息。
39.如权利要求38所述的方法，其特征在于，进一步包括：
a.提供奖励积分数据文件；
b.增加奖励值到奖励积分数据文件以响应交易批准消息。
40.如权利要求38所述的方法，其特征在于，进一步包括：
a.提供奖励积分数据文件；
b.增加奖励值到奖励积分数据文件以响应第二个交易批准消息。
41.如权利要求38所述的方法，其特征在于，进一步包括提供奖励积分数据文件；及增加奖励值到奖励积分数据文件以响应交易批准消息和第二个交易批准消息中的至少一个。
42.如权利要求41所述的方法，其特征在于，进一步包括重加载预加载数据文件以响应交易批准消息和第二个交易批准消息中的至少一个。
43.如权利要求42所述的方法，其特征在于，进一步包括增加奖励积分数据文件以响应重加载预加载值数据文件、商家交易请求、用户交易请求、应答器系统标识符，及商家系统标识符中的至少一个。
44.一种射频识别应答器系统，其特征在于，所述系统包括：
a.通过使用应答器系统标识符和用户交互点设备的应答器系统识别来访问发行者系统，用户交互点设备对用户系统是远程的；
b.更新包括用户人口统计标记和应答器系统使用限制之一的数据文件，所述数据文件和应答器系统标识符关联。
45.如权利要求44所述的方法，其特征在于，进一步包括实时更新数据文件。
46.如权利要求1所述的应答器-读出器支付系统，其特征在于，所述RFID读出器以Track 1/Track 2格式向所述交互点设备提供所述应答器系统标识符。
47.如权利要求32所述的方法，其特征在于，所述通过射频信号向商家系统提供应答器系统标识符包括以Track 1/Track 2格式提供应答器系统标识符。
CNA038008149A 2002-07-09 2003-07-08 有触点或无触点交易中用射频识别激励支付的系统和方法 Pending CN1682222A (zh)

Applications Claiming Priority (10)

Application Number Priority Date Filing Date Title
US10/192,488 US7239226B2 (en) 2001-07-10 2002-07-09 System and method for payment using radio frequency identification in contact and contactless transactions
US10/192,488 2002-07-09
US39657702P 2002-07-16 2002-07-16
US60/396,577 2002-07-16
US10/318,432 US9454752B2 (en) 2001-07-10 2002-12-13 Reload protocol at a transaction processing entity
US10/318,480 2002-12-13
US10/318,432 2002-12-13
US10/318,480 US7249112B2 (en) 2002-07-09 2002-12-13 System and method for assigning a funding source for a radio frequency identification device
US10/340,352 US7889052B2 (en) 2001-07-10 2003-01-10 Authorizing payment subsequent to RF transactions
US10/340,352 2003-01-10

Publications (1)

Publication Number Publication Date
CN1682222A true CN1682222A (zh) 2005-10-12

Family

ID=30119428

Family Applications (1)

Application Number Title Priority Date Filing Date
CNA038008149A Pending CN1682222A (zh) 2002-07-09 2003-07-08 有触点或无触点交易中用射频识别激励支付的系统和方法

Country Status (9)

Country Link
US (2) US7889052B2 (zh)
EP (1) EP1563421A4 (zh)
JP (2) JP2005520269A (zh)
CN (1) CN1682222A (zh)
AU (1) AU2003248849A1 (zh)
BR (1) BR0304735A (zh)
CA (1) CA2458143A1 (zh)
MX (1) MXPA04000189A (zh)
WO (1) WO2004006064A2 (zh)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103516666A (zh) * 2012-06-20 2014-01-15 中国银联股份有限公司 安全性信息交互装置及方法
CN103970492A (zh) * 2013-01-30 2014-08-06 精工爱普生株式会社 控制系统的控制方法以及控制系统
CN104012034A (zh) * 2011-12-28 2014-08-27 英特尔公司 用于网络访问有关的应用的认证
CN111343233A (zh) * 2016-09-20 2020-06-26 徐蔚 一种基于存储的数字货币支付的方法、装置与移动终端

Families Citing this family (240)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8561889B2 (en) * 1998-04-17 2013-10-22 Diebold Self-Service Systems Division Of Diebold, Incorporated Banking terminal that operates to cause financial transfers responsive to data bearing records
US7333955B2 (en) 2001-09-24 2008-02-19 E2Interactive, Inc. System and method for securing communication service
US7343351B1 (en) 1999-08-31 2008-03-11 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
US7837116B2 (en) 1999-09-07 2010-11-23 American Express Travel Related Services Company, Inc. Transaction card
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US7239226B2 (en) 2001-07-10 2007-07-03 American Express Travel Related Services Company, Inc. System and method for payment using radio frequency identification in contact and contactless transactions
US7172112B2 (en) 2000-01-21 2007-02-06 American Express Travel Related Services Company, Inc. Public/private dual card system and method
US8543423B2 (en) 2002-07-16 2013-09-24 American Express Travel Related Services Company, Inc. Method and apparatus for enrolling with multiple transaction environments
US8429041B2 (en) 2003-05-09 2013-04-23 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles
AU2001243473A1 (en) 2000-03-07 2001-09-17 American Express Travel Related Services Company, Inc. System for facilitating a transaction
CA2403283A1 (en) 2000-03-15 2001-09-20 Edward J. Hogan Method and system for secure payments over a computer network
FI108490B (fi) 2000-05-02 2002-01-31 Sonera Oyj Valtuutusinformaation võlittõminen
WO2002011019A1 (en) * 2000-08-01 2002-02-07 First Usa Bank, N.A. System and method for transponder-enabled account transactions
US7921297B2 (en) * 2001-01-10 2011-04-05 Luis Melisendro Ortiz Random biometric authentication utilizing unique biometric signatures
US7650314B1 (en) 2001-05-25 2010-01-19 American Express Travel Related Services Company, Inc. System and method for securing a recurrent billing transaction
US7725427B2 (en) 2001-05-25 2010-05-25 Fred Bishop Recurrent billing maintenance with radio frequency payment devices
US8635131B1 (en) 2001-07-10 2014-01-21 American Express Travel Related Services Company, Inc. System and method for managing a transaction protocol
US7996324B2 (en) 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US8538863B1 (en) 2001-07-10 2013-09-17 American Express Travel Related Services Company, Inc. System and method for facilitating a transaction using a revolving use account associated with a primary account
US7827106B2 (en) 2001-07-10 2010-11-02 American Express Travel Related Services Company, Inc. System and method for manufacturing a punch-out RFID transaction device
US7705732B2 (en) * 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US8960535B2 (en) 2001-07-10 2015-02-24 Iii Holdings 1, Llc Method and system for resource management and evaluation
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US7762457B2 (en) * 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US20040236699A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US9031880B2 (en) 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US7303120B2 (en) * 2001-07-10 2007-12-04 American Express Travel Related Services Company, Inc. System for biometric security using a FOB
US8284025B2 (en) 2001-07-10 2012-10-09 Xatra Fund Mx, Llc Method and system for auditory recognition biometrics on a FOB
US7493288B2 (en) 2001-07-10 2009-02-17 Xatra Fund Mx, Llc RF payment via a mobile device
US7228155B2 (en) * 2001-07-10 2007-06-05 American Express Travel Related Services Company, Inc. System and method for remotely initializing a RF transaction
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US7746215B1 (en) 2001-07-10 2010-06-29 Fred Bishop RF transactions using a wireless reader grid
US7503480B2 (en) 2001-07-10 2009-03-17 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US8294552B2 (en) 2001-07-10 2012-10-23 Xatra Fund Mx, Llc Facial scan biometrics on a payment device
US7805378B2 (en) 2001-07-10 2010-09-28 American Express Travel Related Servicex Company, Inc. System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
US7119659B2 (en) 2001-07-10 2006-10-10 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device for use in a private label transaction
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US7360689B2 (en) * 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
EP1293874A3 (en) * 2001-09-06 2006-08-02 Nippon Telegraph and Telephone Corporation Authentication method, authentication system, and authentication token
KR101019524B1 (ko) * 2002-03-19 2011-03-07 마스터카드 인터내셔날, 인코포레이티드 근접형 장치를 이용하여 트랜잭션을 처리하는 방법 및 시스템
US6959865B2 (en) 2002-03-28 2005-11-01 Hand Held Products, Inc. Customizable optical reader
US7792759B2 (en) 2002-07-29 2010-09-07 Emv Co. Llc Methods for performing transactions in a wireless environment
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
US7274295B2 (en) * 2002-10-30 2007-09-25 At&T Bls Intellectual Property, Inc. Instantaneous mobile access to all pertinent life events
US20040139318A1 (en) * 2002-11-06 2004-07-15 Digital Interactive Entertainment, Llc Activation and personalization of downloadable content
US7712675B2 (en) * 2003-01-15 2010-05-11 Hewlett-Packard Development Company, L.P. Physical items for holding data securely, and methods and apparatus for publishing and reading them
WO2004097561A2 (en) * 2003-04-24 2004-11-11 Mbna America Bank, N.A. Membership token loyalty program
KR101010873B1 (ko) * 2003-05-30 2011-01-26 파나소닉 주식회사 광 디스크
MXPA05013288A (es) * 2003-06-16 2007-04-18 Uru Technology Inc Metodo y sistema para crear y operar aparatos de manejo de credenciales permitidos biometricamente de multiple proposito.
US7743882B2 (en) * 2003-08-18 2010-06-29 Vinh Thanh Vu Vibration-control platform
US8370220B1 (en) * 2003-09-05 2013-02-05 Ncr Corporation Method of completing a transaction using wirelessly transferred payment information
US8285606B2 (en) * 2003-09-23 2012-10-09 Doubet James T Enabling country of origin labeling and verification for livestock products
US8333317B2 (en) * 2003-09-30 2012-12-18 Broadcom Corporation System and method for authenticating the proximity of a wireless token to a computing device
US20070234456P1 (en) * 2006-03-30 2007-10-04 Cosner Harlan B Impatiens plant named 'tirose'
US7148803B2 (en) * 2003-10-24 2006-12-12 Symbol Technologies, Inc. Radio frequency identification (RFID) based sensor networks
US20050122210A1 (en) * 2003-12-05 2005-06-09 Honeywell International Inc. Dual technology door entry person authentication
US20070094129A1 (en) * 2003-12-19 2007-04-26 E2Interactive, Inc. D/B/A E2Interactive, Inc. System and method for adding value to a stored-value account using provider specific pin
US7945494B2 (en) * 2003-12-23 2011-05-17 First Data Corporation Device with GPS to manage risk for financial transactions
US7471199B2 (en) * 2004-01-09 2008-12-30 Intermec Ip Corp. Mobile key using read/write RFID tag
US7420458B1 (en) 2004-01-20 2008-09-02 Charles A. Eldering Secondary card reader
US7298264B1 (en) * 2004-01-20 2007-11-20 Charles A. Eldering RFID tag filtering and monitoring
US7165727B2 (en) * 2004-02-24 2007-01-23 Sun Microsystems, Inc. Method and apparatus for installing an application onto a smart card
US7374099B2 (en) * 2004-02-24 2008-05-20 Sun Microsystems, Inc. Method and apparatus for processing an application identifier from a smart card
US7140549B2 (en) * 2004-02-24 2006-11-28 Sun Microsystems, Inc. Method and apparatus for selecting a desired application on a smart card
US7191288B2 (en) * 2004-02-24 2007-03-13 Sun Microsystems, Inc. Method and apparatus for providing an application on a smart card
US7194438B2 (en) * 2004-02-25 2007-03-20 Nokia Corporation Electronic payment schemes in a mobile environment for short-range transactions
US9020854B2 (en) 2004-03-08 2015-04-28 Proxense, Llc Linked account system using personal digital key (PDK-LAS)
US7172115B2 (en) * 2004-04-02 2007-02-06 Riptide Systems, Inc. Biometric identification system
US20050246289A1 (en) * 2004-04-13 2005-11-03 Alexander Robert M Iv System and method for processing and for funding a transaction
US20050229227A1 (en) * 2004-04-13 2005-10-13 Evenhere, Inc. Aggregation of retailers for televised media programming product placement
US8407097B2 (en) * 2004-04-15 2013-03-26 Hand Held Products, Inc. Proximity transaction apparatus and methods of use thereof
US20050242176A1 (en) * 2004-04-28 2005-11-03 Dexit Inc. RFID-based system and method of conducting financial transactions
US20050242177A1 (en) * 2004-04-28 2005-11-03 Dexit Inc. RFID-based system and method of conducting financial transactions
US7798415B1 (en) 2004-05-20 2010-09-21 American Express Travel Realted Services Company, Inc. Wireless transaction fobs and methods of using the same
US7604176B2 (en) * 2004-05-20 2009-10-20 American Express Travel Related Services Company, Inc. Radio frequency fobs and methods of using the same
US20060000896A1 (en) * 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method and system for voice recognition biometrics on a smartcard
US20060000893A1 (en) * 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method for biometric security using a smartcard-reader
US20060016873A1 (en) * 2004-07-01 2006-01-26 American Express Travel Related Services Company, Inc. Method and system for retinal scan recognition biometrics on a smartcard
US20060000897A1 (en) * 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method and system for signature recognition biometrics on a smartcard
US20060016874A1 (en) * 2004-07-01 2006-01-26 American Express Travel Related Services Company, Inc. System for registering a biometric for use with a smartcard
US20060016869A1 (en) * 2004-07-01 2006-01-26 American Express Travel Related Services Company, Inc. Method and system for auditory emissions recognition biometrics on a smartcard
US20060016868A1 (en) * 2004-07-01 2006-01-26 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a smartcard
US20060000894A1 (en) * 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method and system for fingerprint biometrics on a smartcard
US20060000895A1 (en) * 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method and system for facial recognition biometrics on a smartcard
US20060000898A1 (en) * 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method and system for vascular pattern recognition biometrics on a smartcard
US7318550B2 (en) 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
US20060020558A1 (en) * 2004-07-01 2006-01-26 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a smartcard
US20060016876A1 (en) * 2004-07-01 2006-01-26 American Express Travel Related Services Company, Inc. Method for registering a biometric for use with a smartcard-reader system
US20060016872A1 (en) * 2004-07-01 2006-01-26 American Express Travel Related Services Company, Inc. Method and system for iris scan recognition biometrics on a smartcard
US20060000899A1 (en) * 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method and system for dna recognition biometrics on a smartcard
BRPI0513357A (pt) * 2004-07-15 2008-05-06 Mastercard International Inc sistema de dispositivos de pagamento sem contato e método para aumentar a capacidade de interoperação de um dispositivo de transmissão de pagamento
DE102004039365A1 (de) * 2004-08-12 2006-02-23 Wincor Nixdorf International Gmbh Datenträger zur kontaktlosen Übertragung von verschlüsselten Datensignalen
WO2006023839A2 (en) * 2004-08-18 2006-03-02 Mastercard International Incorporated Method and system for authorizing a transaction using a dynamic authorization code
KR101180612B1 (ko) * 2004-11-08 2012-09-06 소니 주식회사 정보 처리 시스템 및 정보 처리 장치
US20080271161A1 (en) * 2004-11-23 2008-10-30 Koninklijke Philips Electronics N.V. Method and Apparatus for Transferring a Data Carrier of a First System to a Second System
US8049594B1 (en) * 2004-11-30 2011-11-01 Xatra Fund Mx, Llc Enhanced RFID instrument security
US20060118639A1 (en) * 2004-12-06 2006-06-08 First Data Corporation Punchout contactless transaction card
US7457952B2 (en) * 2004-12-16 2008-11-25 Xerox Corporation Authentication tag for S/W media
CA2591751A1 (en) 2004-12-20 2006-06-29 Proxense, Llc Biometric personal data key (pdk) authentication
US20060136717A1 (en) * 2004-12-20 2006-06-22 Mark Buer System and method for authentication via a proximate device
US7232073B1 (en) 2004-12-21 2007-06-19 Sun Microsystems, Inc. Smart card with multiple applications
US8700729B2 (en) 2005-01-21 2014-04-15 Robin Dua Method and apparatus for managing credentials through a wireless network
US20060170530A1 (en) * 2005-02-02 2006-08-03 Enenia Biometrics, Inc. Fingerprint-based authentication using radio frequency identification
US7725112B2 (en) * 2005-02-08 2010-05-25 Nokia Corporation System and method for provision of proximity networking activity information
US20060196948A1 (en) * 2005-03-04 2006-09-07 Weber Michael F Light transmissive cards with suppression of UV-induced fluorescence
US7472822B2 (en) 2005-03-23 2009-01-06 E2Interactive, Inc. Delivery of value identifiers using short message service (SMS)
US20080001752A1 (en) * 2005-04-21 2008-01-03 Skyetek, Inc. System and method for securing rfid tags
US8502681B2 (en) 2005-06-20 2013-08-06 Biovigil, Llc Hand cleanliness
US7616122B2 (en) 2005-06-20 2009-11-10 Biovigil, Llc Hand cleanliness
MY144794A (en) * 2005-07-28 2011-11-15 Inventio Ag Data exchange method
US20070023210A1 (en) * 2005-07-28 2007-02-01 Caterpillar Inc. Electrical system of a mobile machine
US20070033150A1 (en) * 2005-08-08 2007-02-08 Enenia Biometrics, Inc. Biometric web payment system
US8762263B2 (en) 2005-09-06 2014-06-24 Visa U.S.A. Inc. System and method for secured account numbers in proximity devices
US8480484B2 (en) * 2005-11-09 2013-07-09 Igt Secure identification devices and methods for detecting and monitoring access thereof
US9542577B2 (en) 2005-12-09 2017-01-10 Tego, Inc. Information RFID tagging facilities
US20080186138A1 (en) * 2005-12-09 2008-08-07 Butler Timothy P Methods and systems of a multiple radio frequency network node rfid tag
US20080186180A1 (en) * 2005-12-09 2008-08-07 Butler Timothy P Methods and systems of a multiple radio frequency network node rfid tag
US8242908B2 (en) * 2005-12-09 2012-08-14 Tego Inc. Methods and systems of a multiple radio frequency network node RFID tag
US9361568B2 (en) 2005-12-09 2016-06-07 Tego, Inc. Radio frequency identification tag with hardened memory system
US8947233B2 (en) * 2005-12-09 2015-02-03 Tego Inc. Methods and systems of a multiple radio frequency network node RFID tag
US8390456B2 (en) * 2008-12-03 2013-03-05 Tego Inc. RFID tag facility with access to external devices
US8242911B2 (en) * 2006-12-11 2012-08-14 Tego Inc. Composite multiple RFID tag facility
WO2007068002A2 (en) * 2005-12-09 2007-06-14 Tego Inc. Multiple radio frequency network node rfid tag
US9418263B2 (en) 2005-12-09 2016-08-16 Tego, Inc. Operating systems for an RFID tag
US8988223B2 (en) 2005-12-09 2015-03-24 Tego Inc. RFID drive management facility
US8269630B2 (en) 2005-12-09 2012-09-18 Tego Inc. Methods and systems of a multiple radio frequency network node RFID tag
US8279065B2 (en) * 2005-12-09 2012-10-02 Tego Inc. Methods and systems of a multiple radio frequency network node RFID tag
US9117128B2 (en) 2005-12-09 2015-08-25 Tego, Inc. External access to memory on an RFID tag
US9430732B2 (en) 2014-05-08 2016-08-30 Tego, Inc. Three-dimension RFID tag with opening through structure
US20070146141A1 (en) * 2005-12-22 2007-06-28 Popplewell Lewis M Method for authenticating product
US11206664B2 (en) 2006-01-06 2021-12-21 Proxense, Llc Wireless network synchronization of cells and client devices on a network
US8219129B2 (en) 2006-01-06 2012-07-10 Proxense, Llc Dynamic real-time tiered client access
US7450010B1 (en) * 2006-04-17 2008-11-11 Tc License Ltd. RFID mutual authentication verification session
WO2008027626A2 (en) * 2006-04-25 2008-03-06 Secure Network Systems, Llc Logical and physical security
WO2007127090A2 (en) * 2006-04-26 2007-11-08 David Watkins Method and system for purchasing goods and services for a group of individuals through a communications network
US7904718B2 (en) 2006-05-05 2011-03-08 Proxense, Llc Personal digital key differentiation for secure transactions
JP4833745B2 (ja) * 2006-06-12 2011-12-07 株式会社日立製作所 センサノードのデータ保護方法、センサノードを配布するための計算機システム及びセンサノード
US20080186130A1 (en) * 2006-06-27 2008-08-07 Trevino Arthur A Key management system
JP4277229B2 (ja) * 2006-06-29 2009-06-10 ソニー株式会社 携帯端末、決済方法、およびプログラム
US7983451B2 (en) * 2006-06-30 2011-07-19 Motorola Mobility, Inc. Recognition method using hand biometrics with anti-counterfeiting
FR2903549B1 (fr) * 2006-07-10 2008-09-26 Inside Contactless Sa Procede de controle d'application dans un chipset nfc comprenant plusieurs processeurs hotes
US20080017704A1 (en) * 2006-07-24 2008-01-24 First Data Corporation Contactless Electronic Wallet Payment Device
US20080070569A1 (en) * 2006-09-07 2008-03-20 Shelley John T Proximity order processing system
GB0618266D0 (en) * 2006-09-18 2006-10-25 Dosanjh Harkamaljit Mobile devices and systems for using them
US7991692B2 (en) * 2006-10-09 2011-08-02 First Data Corporation Electronic payment instrument and packaging
US20070219926A1 (en) * 2006-10-18 2007-09-20 Stanley Korn Secure method and system of identity authentication
US9269221B2 (en) 2006-11-13 2016-02-23 John J. Gobbi Configuration of interfaces for a location detection system and application
ITMI20062325A1 (it) * 2006-12-04 2008-06-05 Mario Quintilio Apparecchiatura multifunzionale per portatori di handicap visivo
US20080168270A1 (en) * 2006-12-21 2008-07-10 Michael Kulakowski Electronic secure authentication for exchange buying system (eSafeBuy)
US20080189212A1 (en) * 2006-12-21 2008-08-07 Michael Kulakowski Electronic secure authentication for exchange buyer assurance system (eSafeBay)
US20090020601A1 (en) * 2007-02-08 2009-01-22 Quixcode, Llc Systems and Methods for Displaying, Storing, and Providing Information Regarding Objects
US20080204234A1 (en) * 2007-02-28 2008-08-28 Vijay Pillai Systems and methods for increased memory capacity in a low-power environment
US7734181B2 (en) * 2007-04-09 2010-06-08 Ajang Bahar Devices, systems and methods for ad hoc wireless communication
US20080247759A1 (en) * 2007-04-09 2008-10-09 Ajang Bahar Devices, systems and methods for ad hoc wireless communication
US20080306876A1 (en) * 2007-06-05 2008-12-11 Horvath Kris M Verifying dynamic transaction security code in payment card system
WO2009002139A1 (en) * 2007-06-28 2008-12-31 Iris Corporation Berhad Method of reading mrz using sam for electronic chip based travel document or identification document
US7737865B2 (en) * 2007-07-28 2010-06-15 Lawrence H. Avidan Method for displaying dynamically determined priority lanes to customers returning vehicles to a vehicle rental company
EP2191429A4 (en) * 2007-08-23 2012-07-11 Accenture Global Services Ltd TRAVEL REWARDS COLLECTION
US20090057401A1 (en) * 2007-08-31 2009-03-05 Drb Systems, Incorporated System and methods for providing prepaid car wash or lube services
EP2040413B1 (en) * 2007-09-21 2013-06-19 Nokia Siemens Networks Oy Subscription and advice of charge control
US8010428B2 (en) * 2007-09-26 2011-08-30 Visa Usa Inc. Form factor identification
US8659427B2 (en) 2007-11-09 2014-02-25 Proxense, Llc Proximity-sensor supporting multiple application services
US8171528B1 (en) 2007-12-06 2012-05-01 Proxense, Llc Hybrid device having a personal digital key and receiver-decoder circuit and methods of use
US9251332B2 (en) 2007-12-19 2016-02-02 Proxense, Llc Security system and method for controlling access to computing resources
US20090160607A1 (en) * 2007-12-21 2009-06-25 General Motors Corporation Vehicle key fob having a communications circuit
DE102008000067C5 (de) 2008-01-16 2012-10-25 Bundesdruckerei Gmbh Verfahren zum Lesen von Attributen aus einem ID-Token
US8508336B2 (en) 2008-02-14 2013-08-13 Proxense, Llc Proximity-based healthcare management system with automatic access to private information
US9443068B2 (en) * 2008-02-20 2016-09-13 Micheal Bleahen System and method for preventing unauthorized access to information
US20090222339A1 (en) * 2008-03-03 2009-09-03 The Coca-Cola Company Systems and Methods for Providing a Personal Terminal for a Loyalty Program
US11120449B2 (en) * 2008-04-08 2021-09-14 Proxense, Llc Automated service-based order processing
WO2009134781A2 (en) * 2008-04-29 2009-11-05 Visa U. S. A. Inc. Device including form factor indicator
US8307210B1 (en) * 2008-05-02 2012-11-06 Emc Corporation Method and apparatus for secure validation of tokens
US7962390B2 (en) * 2008-06-05 2011-06-14 Visa Usa Inc. Field 55 data relationships
US20090307140A1 (en) 2008-06-06 2009-12-10 Upendra Mardikar Mobile device over-the-air (ota) registration and point-of-sale (pos) payment
US20100048226A1 (en) * 2008-08-20 2010-02-25 First Data Corporation Managing mobile marketing offers
US20100082490A1 (en) * 2008-09-30 2010-04-01 Apple Inc. Systems and methods for secure wireless transactions
US8550361B2 (en) 2008-10-28 2013-10-08 First Data Corporation Systems, methods, and apparatus to facilitate locating a user of a transaction device
CA2742071A1 (en) * 2008-10-30 2010-05-27 Visa U.S.A. Inc. Beverage holder having a chip unit for performing payment transactions
US10803515B2 (en) 2008-10-31 2020-10-13 First Data Corporation Systems, methods, and apparatus for using a contactless transaction device reader with a computing system
US8791818B2 (en) * 2008-11-18 2014-07-29 James Midkiff Virtual watch
WO2010102176A1 (en) 2009-03-06 2010-09-10 Vetrix, Llc Systems and methods for mobile tracking, communications and alerting
GB2489349A (en) * 2009-11-18 2012-09-26 James Philip Midkiff Virtual watch
US20110141277A1 (en) * 2009-12-16 2011-06-16 James Midkiff System and method for providing a virtual community watch
US11928696B2 (en) 2009-12-16 2024-03-12 E2Interactive, Inc. Systems and methods for generating a virtual value item for a promotional campaign
US9098843B2 (en) * 2010-01-06 2015-08-04 Visa International Service Association System and method for temporarily enabling proprietary transit payments on a hotel room key
US9065532B2 (en) * 2010-02-03 2015-06-23 Google Inc. Bump button
US20110215902A1 (en) * 2010-03-03 2011-09-08 Brown Iii Carl E Customer recognition method and system
US9418205B2 (en) 2010-03-15 2016-08-16 Proxense, Llc Proximity-based system for automatic application or data access and item tracking
JP5197664B2 (ja) * 2010-03-18 2013-05-15 株式会社東芝 Ｉｃカード、通信装置、コマンド処理方法、通信システム
NL2004825C2 (en) * 2010-06-04 2011-12-06 Ubiqu B V A method of authorizing a person, an authorizing architecture and a computer program product.
US10068287B2 (en) 2010-06-11 2018-09-04 David A. Nelsen Systems and methods to manage and control use of a virtual card
US9322974B1 (en) 2010-07-15 2016-04-26 Proxense, Llc. Proximity-based system for object tracking
US9489669B2 (en) 2010-12-27 2016-11-08 The Western Union Company Secure contactless payment systems and methods
US8857716B1 (en) 2011-02-21 2014-10-14 Proxense, Llc Implementation of a proximity-based system for object tracking and automatic application initialization
US8836475B2 (en) * 2011-04-18 2014-09-16 Cubic Corporation Monitoring unit configuration management
US20130041746A1 (en) * 2011-08-10 2013-02-14 Citibank, N.A. Methods and Systems of Electronic Messaging
US8862767B2 (en) 2011-09-02 2014-10-14 Ebay Inc. Secure elements broker (SEB) for application communication channel selector optimization
US9378514B2 (en) 2011-11-23 2016-06-28 Richard Tabor Secure tokenless transaction system and method
CN103220662B (zh) * 2012-01-20 2016-01-20 腾讯科技（深圳）有限公司 一种应用程序的处理方法和移动终端
US10453055B2 (en) * 2012-02-12 2019-10-22 Cytherean Mandelbrot LLC Method for secure electronic tender
CN102637422B (zh) * 2012-02-17 2014-06-04 天地融科技股份有限公司 一种字模获取方法、字符显示装置和系统，电子签名工具
JP2012142003A (ja) * 2012-02-22 2012-07-26 Panasonic Corp 認証システム
US20130282550A1 (en) * 2012-04-20 2013-10-24 Andrew Garrett SYCOFF Monetizing Financial Brokerage Data
US20130311382A1 (en) * 2012-05-21 2013-11-21 Klaus S. Fosmark Obtaining information for a payment transaction
US20130332353A1 (en) * 2012-06-08 2013-12-12 American Express Travel Related Services Company, Inc. System and method for using flexible circuitry in payment accessories
US20140108241A1 (en) 2012-10-08 2014-04-17 NXT-ID, Inc. Method for Replacing Traditional Payment and Identity Management Systems and Components to Provide Additional Security and a System Implementing Said Method
US20140156138A1 (en) * 2012-12-05 2014-06-05 Dealerflow, Llc Courtesy car management system
US20140184387A1 (en) * 2012-12-28 2014-07-03 Jaroslav Svec Methods and apparatus for luggage tracking and identification using rfid technology
US9947007B2 (en) 2013-01-27 2018-04-17 Barry Greenbaum Payment information technologies
US9224274B1 (en) 2013-02-14 2015-12-29 Jpmorgan Chase Bank, N.A. System and method for financial services device usage
US9407619B2 (en) 2013-03-17 2016-08-02 NXT-ID, Inc. Un-password™: risk aware end-to-end multi-factor authentication via dynamic pairing
US9760881B2 (en) * 2013-04-30 2017-09-12 Partner Tech Corp Portable e-pay system and method
JP6260043B2 (ja) * 2013-05-02 2018-01-17 オプテックス株式会社 認証登録・無効化装置
US9405898B2 (en) 2013-05-10 2016-08-02 Proxense, Llc Secure element as a digital pocket
EP2843605A1 (en) * 2013-08-30 2015-03-04 Gemalto SA Method for authenticating transactions
US20150109107A1 (en) * 2013-10-20 2015-04-23 VenGo, LLC System for Holding Multiple RFIDs in a Wearable Device
US20150109106A1 (en) * 2013-10-20 2015-04-23 VenGo, LLC System for Holding an RFID within a Slotted Wearable Device
US20150109101A1 (en) * 2013-10-20 2015-04-23 VenGo, LLC System and Method for Reading Multiple RFIDs
US9058626B1 (en) 2013-11-13 2015-06-16 Jpmorgan Chase Bank, N.A. System and method for financial services device usage
DE102014219297A1 (de) * 2014-09-24 2016-03-24 Fraunhofer-Gesellschaft zur Förderung der angewandten Forschung e.V. Authentisierungs-Stick
US9953193B2 (en) 2014-09-30 2018-04-24 Tego, Inc. Operating systems for an RFID tag
US9584489B2 (en) * 2015-01-29 2017-02-28 Google Inc. Controlling access to resource functions at a control point of the resource via a user device
US10679017B2 (en) * 2015-04-21 2020-06-09 Semiconductor Energy Laboratory Co., Ltd. Semiconductor device and system thereof
FR3038099A1 (fr) * 2015-06-26 2016-12-30 Orange Procede et dispositif de gestion d'applications sans contact
WO2017019972A1 (en) * 2015-07-30 2017-02-02 Visa International Service Association System and method for conducting transactions using biometric verification
US10142328B1 (en) * 2015-12-19 2018-11-27 Securus Technologies, Inc. Account enrollment systems and processes
US11080714B2 (en) * 2016-05-27 2021-08-03 Mastercard International Incorporated Systems and methods for providing stand-in authorization
US10545491B2 (en) 2016-09-15 2020-01-28 Bext Holdings, Inc. Systems and methods of use for commodities analysis, collection, resource-allocation, and tracking
US11151567B2 (en) * 2016-09-19 2021-10-19 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
CN107948123B (zh) 2016-10-12 2021-01-12 钉钉控股（开曼）有限公司 文件传输方法及装置
DE102016122949A1 (de) * 2016-11-29 2018-05-30 Beckmann Gmbh Elektronischer Wertträger und Terminal
EP3388995A1 (en) 2017-04-12 2018-10-17 All Now Corp Method and device for payment management
US11069220B2 (en) 2017-07-10 2021-07-20 Biovigil Hygiene Technologies, Llc Hand cleanliness monitoring
US11004076B2 (en) 2019-02-06 2021-05-11 Visa International Service Association Camera device enabled identification and disambiguation system and method
CN111583451A (zh) * 2020-04-09 2020-08-25 惠州拓邦电气技术有限公司 电子锁的身份验证方法、装置、计算机设备及存储介质
US20220217136A1 (en) * 2021-01-04 2022-07-07 Bank Of America Corporation Identity verification through multisystem cooperation

Family Cites Families (1450)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US570046A (en) * 1896-10-27 Electric signal for street-car crossings
US2767756A (en) 1953-07-09 1956-10-23 Brown & Bigelow Foldable unit plastic card holder
US3536894A (en) 1965-07-23 1970-10-27 Jerry E Travioli Electronic credit card acceptor
US3376661A (en) 1966-06-28 1968-04-09 John G. Hulett Multiple company credit card
US3446260A (en) 1967-04-13 1969-05-27 Kleer Vu Ind Inc Card holder for wallets
US3573731A (en) 1968-06-17 1971-04-06 Clary Corp Device for determining authenticity of a credit card or the like
US3829662A (en) 1969-04-17 1974-08-13 Canon Kk Recording medium having concealed information as input for electronic computer
US3725647A (en) 1970-10-19 1973-04-03 Insta Datic Corp Photographic credit card system
US3763356A (en) 1971-05-17 1973-10-02 Pitney Bowes Alpex Unidirectional fluorescent ink imprinted coded document and method of decoding
US3838252A (en) 1971-07-09 1974-09-24 Pitney Bowes Inc Protective coatings for magnetically codable credit card
US3894756A (en) 1971-10-18 1975-07-15 Optronics Int Identification card having a reference beam coded hologram
IT969831B (it) 1971-12-28 1974-04-10 Ibm Tessera di identificazione a codi ficazione spettrale differenziata
US3873813A (en) 1973-05-18 1975-03-25 Xerox Corp Credit card
US3955295A (en) 1973-10-18 1976-05-11 Roberta B. Kuhns Data bearing card having an aesthetic, magnetizable, colorless, transparent coating thereon
US3914762A (en) 1973-12-27 1975-10-21 Rca Corp Electronic identification system
US4058839A (en) 1974-08-21 1977-11-15 R. D. Products, Inc. Magnetic-type information card and method and apparatus for encoding and reading
GB1512857A (en) * 1974-09-13 1978-06-01 Bally Mfg Corp Monitoring system for use with amusement game devices
US4048737A (en) 1975-02-12 1977-09-20 Mcdermott Clifton Eugene Dual identification card and identification card holder
US3929177A (en) 1975-04-28 1975-12-30 Amity Leather Prod Co Pass case
US4044231A (en) 1975-05-27 1977-08-23 Addressograph Multigraph Corporation Secure property document and method of manufacture
CH588358A5 (zh) 1975-08-14 1977-05-31 Landis & Gyr Ag
US4222516A (en) 1975-12-31 1980-09-16 Compagnie Internationale Pour L'informatique Cii-Honeywell Bull Standardized information card
US4066873A (en) 1976-01-26 1978-01-03 The First National Bank Of Chicago Identification and access card with associated optical decoding means
US4056139A (en) 1976-03-03 1977-11-01 Murt Edward M Holder for money, cards and the like
US4206965A (en) 1976-08-23 1980-06-10 Mcgrew Stephen P System for synthesizing strip-multiplexed holograms
CH607170A5 (zh) 1976-10-28 1978-11-30 Sodeco Compteurs De Geneve
US4202491A (en) 1977-09-26 1980-05-13 Hitachi, Ltd. Data card
DE2847756B2 (de) 1978-11-03 1980-08-21 Hermann 7742 St Georgen Stockburger Verfahren zur geheimen Kennzeichnung und Auswertung maschinenlesbarer Datenträger
US4277863A (en) 1979-05-11 1981-07-14 Daniel Faneuf Identification card holder
US4318554A (en) 1979-09-10 1982-03-09 Microseal Corporation Combined medical and/or informational identification credit card
US4303904A (en) * 1979-10-12 1981-12-01 Chasek Norman E Universally applicable, in-motion and automatic toll paying system using microwaves
US4697363A (en) 1979-12-26 1987-10-06 Kangaroos U.S.A., Inc. Athletic shoe pocket
CH647607A5 (de) 1980-01-12 1985-01-31 Kurt Ehrat Maschinell lesbare datenkarte aus kunststoff.
FR2492135B1 (fr) 1980-09-16 1988-01-22 Cii Honeywell Bull Appareil de distribution d'objets et d'acquisition de services
GB2088110B (en) 1980-09-25 1985-01-30 Canon Kk Liquid crystal display devices
US4421380A (en) 1980-10-06 1983-12-20 Mcgrew Stephen P Full-color hologram
US4717221A (en) 1980-11-05 1988-01-05 Mcgrew Stephen P Diffractive color and texture effects for the graphic arts
US4589686A (en) 1980-11-05 1986-05-20 Mcgrew Stephen P Anticounterfeiting method and device
US4356646A (en) 1981-02-26 1982-11-02 Johnson Jr Thomas A Card holder
US4503135A (en) 1981-02-27 1985-03-05 Drexler Technology Corporation Medium for recording visual images and laser written data
USD270546S (en) 1981-03-10 1983-09-13 Ab Id-Kort Transaction identification card
SE425704B (sv) 1981-03-18 1982-10-25 Loefberg Bo Databerare
US4443027A (en) 1981-07-29 1984-04-17 Mcneely Maurice G Multiple company credit card system
US4910521A (en) 1981-08-03 1990-03-20 Texas Instruments Incorporated Dual band communication receiver
USD270303S (en) 1981-08-07 1983-08-30 Enger Kress Company Combined wallet and clip
GB2108906B (en) 1981-09-16 1985-03-06 Itr Int Time Ltd Identification card with concealed coding and decoding module
US4538059A (en) 1981-09-16 1985-08-27 Itr International Time Limited Identification card with concealed coding and a simple reader module to decode it
US4453074A (en) 1981-10-19 1984-06-05 American Express Company Protection system for intelligent cards
US4507652A (en) 1982-02-04 1985-03-26 Baker Industries, Inc. Bidirectional, interactive fire detection system
US4475308A (en) 1982-03-01 1984-10-09 Heise Manufacturing Co., Inc. Revolving door system
US4436991A (en) 1982-03-10 1984-03-13 Sealectro Corporation Badge reader using infrared light
EP0093410A3 (en) 1982-04-30 1984-10-17 Omron Tateisi Electronics Co. Apparatus for sensing a magnetic stripe on a recording media
DE3231460A1 (de) 1982-08-24 1984-03-01 GAO Gesellschaft für Automation und Organisation mbH, 8000 München Ausweiskarte mit im auf- und durchlicht pruefbaren merkmalen
US4563024A (en) 1983-03-16 1986-01-07 Jeffrey Blyth Hologram identification device
USD280214S (en) 1983-04-07 1985-08-20 Opel George E Credit card
US4656463A (en) 1983-04-21 1987-04-07 Intelli-Tech Corporation LIMIS systems, devices and methods
US4558211A (en) 1983-05-23 1985-12-10 Imperial Oil Limited Transaction terminal system
US4547002A (en) 1983-11-10 1985-10-15 U.S. Banknote Corporation Credit and identification cards having pieces of diffraction grating therein
US4597814A (en) 1983-11-22 1986-07-01 U.S. Banknote Corporation Method for manufacturing card with three-dimensional label incorporated therein
US4641017A (en) 1983-12-15 1987-02-03 Herman Lopata Fraud resistant credit card system
US4593936A (en) 1984-03-06 1986-06-10 Opel George E Universal credit card
US4736094A (en) 1984-04-03 1988-04-05 Omron Tateisi Electronics Co. Financial transaction processing system using an integrated circuit card device
US4583766A (en) 1984-05-08 1986-04-22 Kenneth R. Wessel Secure badge for infrared badge reader and process for making same
US4663518A (en) 1984-09-04 1987-05-05 Polaroid Corporation Optical storage identification card and read/write system
CA1228225A (en) 1984-11-09 1987-10-20 National Research Council Of Canada Method of manufacturing an optical interference authenticating device
US4998279A (en) 1984-11-30 1991-03-05 Weiss Kenneth P Method and apparatus for personal verification utilizing nonpredictable codes and biocharacteristics
US4684795A (en) 1985-01-07 1987-08-04 United States Banknote Company L.P. Security tape with integrated hologram and magnetic strip
EP0190387A2 (de) 1985-02-07 1986-08-13 MIDS Magnetische Informations- und Datensysteme GmbH Ausweiskarte mit Codierung
US4639765A (en) 1985-02-28 1987-01-27 Texas Instruments Incorporated Synchronization system for overlay of an internal video signal upon an external video signal
JPS61201390A (ja) 1985-03-04 1986-09-06 Casio Comput Co Ltd Ｉｃカ−ド
US4672021A (en) 1985-06-03 1987-06-09 Fairmount Chemical Company Contrast enhancement layer composition with naphthoquinone diazide, indicator dye and polymeric binder
US4643452A (en) 1985-08-15 1987-02-17 Chang Kwei K Business card attaching strip
US4747147A (en) 1985-09-03 1988-05-24 Sparrow Malcolm K Fingerprint recognition and retrieval system
AU583654B2 (en) 1985-08-30 1989-05-04 Fuji Photo Film Co., Ltd. Card with photograph and method of making same
GB2179596A (en) 1985-09-02 1987-03-11 Harue Sugimoto A visiting card marked with discriminating symbols and a method of and an apparatus for reading what is printed on said visiting card
US4700055A (en) 1985-10-15 1987-10-13 Kashkashian Jr Arsen Multiple credit card system
JPH0696356B2 (ja) 1986-03-17 1994-11-30 三菱電機株式会社 薄型半導体カード
US4816653A (en) 1986-05-16 1989-03-28 American Telephone And Telegraph Company Security file system for a portable data carrier
JPS6310845A (ja) 1986-07-01 1988-01-18 Ryokichi Tamaoki テレホンカ−ド
IT1226491B (it) 1986-07-01 1991-01-16 Bruno Fabbiani Documento di sicurezza provvisto di ologramma
US4739328A (en) 1986-07-14 1988-04-19 Amtech Corporation System for identifying particular objects
US4725719A (en) 1986-07-21 1988-02-16 First City National Bank Of Austin Restricted purpose, commercial, monetary regulation method
JPS6332658A (ja) 1986-07-28 1988-02-12 Casio Comput Co Ltd Ｉｃカ−ドシステム
DE3628315A1 (de) 1986-08-21 1988-02-25 Bayer Ag Verwendung von speziellen ethylen-vinylacetat-copolymeren zur modifizierung von pvc
US4863819A (en) 1986-09-11 1989-09-05 Drexler Technology Corporation Read-only optical data card
US5010243A (en) 1986-10-15 1991-04-23 Kyodo Printing Co., Ltd. Method of producing an optical recording card having a hologram contained therein
DE3636921A1 (de) 1986-10-30 1988-05-05 Interflex Datensyst Faelschungssicherer optoelektrischer code-kartenleser
DE3638575A1 (de) 1986-11-12 1988-05-19 Gao Ges Automation Org Verfahren zur herstellung von identifikationskarten mit farblich abgedeckter magnetpiste
US4779898A (en) 1986-11-21 1988-10-25 Optical Coating Laboratory, Inc. Thin film optically variable article and method having gold to green color shift for currency authentication
US4744497A (en) 1986-12-10 1988-05-17 Neal William T O Security wallet
US4801790A (en) 1987-01-12 1989-01-31 Valid Technologies, Ltd. Access card provided with coded security means
JP2553860B2 (ja) 1987-05-08 1996-11-13 共同印刷株式会社 光記録部材及びその製造方法並びに光記録カ−ドの製造方法
US4841570A (en) 1987-05-11 1989-06-20 The United States Of America As Represented By The United States Department Of Energy One-way transformation of information
US4984270A (en) 1987-06-19 1991-01-08 The Exchange System Method and system for transmission of financial data
US4829690A (en) 1987-06-26 1989-05-16 Andros Theodore A Credit card chain holder
US4897533A (en) 1987-07-07 1990-01-30 National Business Systems, Inc. Credit card and method of making the same
USD307979S (en) 1987-07-17 1990-05-22 Purvis Janet L Combined key ring and change purse
DE3788348T2 (de) 1987-07-31 1994-03-17 Texas Instruments Deutschland Transponder-Anordnung.
USD310386S (en) 1987-08-07 1990-09-04 Visa International Service Association Transaction card
US4837422A (en) 1987-09-08 1989-06-06 Juergen Dethloff Multi-user card system
US5025372A (en) 1987-09-17 1991-06-18 Meridian Enterprises, Inc. System and method for administration of incentive award program through use of credit
US5180902A (en) 1988-04-21 1993-01-19 David Schick Self verifying transaction card with disabling capability
US4917292A (en) 1988-04-21 1990-04-17 Drexler Technology Corporation Book on a pocket card
GB8811935D0 (en) 1988-05-20 1988-06-22 Time & Data Systems Internatio Card/badge for carrying data & reader therefor
US5272326A (en) 1988-06-21 1993-12-21 Kyodo Printing Co., Ltd. Optical card having light absorbing layer
GB8814705D0 (en) 1988-06-21 1988-07-27 Ciba Geigy Ag Method
US4961142A (en) * 1988-06-29 1990-10-02 Mastercard International, Inc. Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer
US5015830A (en) 1988-07-04 1991-05-14 Sharp Kabushiki Kaisha Electronic card reading device
US5550548A (en) 1988-07-08 1996-08-27 Texas Instruments Deutschland Gmbh Interrogator for detecting adjacent transponders
US5285100A (en) 1988-07-22 1994-02-08 Texas Instruments Incorporated Semiconductor switching device
GB2223453A (en) 1988-08-12 1990-04-11 Scient Generics Ltd Bar code printing
GB2222714A (en) 1988-09-09 1990-03-14 Avery Ltd W & T Cashless payment system
US4918432A (en) 1988-09-27 1990-04-17 B. I. Incorporated House arrest monitoring system
US5016274A (en) 1988-11-08 1991-05-14 Silvio Micali On-line/off-line digital signing
AU615582B2 (en) 1988-11-10 1991-10-03 Kyodo Printing Co., Ltd. Optical card
US4884507A (en) 1988-11-21 1989-12-05 Levy Isy R Security container
US4937963A (en) 1988-11-21 1990-07-03 Drexler Technology Corporation Protective enclosure for data cards
US4897947A (en) 1989-01-09 1990-02-06 Kass Pious Stephanie Identification holder for mounting on shoes
US5202826A (en) 1989-01-27 1993-04-13 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5245329A (en) 1989-02-27 1993-09-14 Security People Inc. Access control system with mechanical keys which store data
DE3906349A1 (de) 1989-03-01 1990-09-13 Hartmut Hennige Verfahren und vorrichtung zur vereinfachung des gebrauchs einer vielzahl von kreditkarten u. dgl.
GB8905471D0 (en) 1989-03-10 1989-04-19 De La Rue Co Plc Sheet with security device
US5206488A (en) 1989-06-07 1993-04-27 Mordechai Teicher Credit card system including a central unit and a plurality of local units for conducting low-cost transactions
US5142384A (en) 1989-06-08 1992-08-25 Ilford Limited Holograms for packaging and display uses
US5101200A (en) 1989-06-09 1992-03-31 Swett Paul H Fast lane credit card
US5329617A (en) 1989-07-23 1994-07-12 Texas Instruments Incorporated Graphics processor nonconfined address calculation system
JPH0363168A (ja) 1989-08-01 1991-03-19 Omron Corp 情報の印刷表示方法
FR2651347A1 (fr) 1989-08-22 1991-03-01 Trt Telecom Radio Electr Procede de generation de nombre unique pour carte a microcircuit et application a la cooperation de la carte avec un systeme hote.
US5006983A (en) * 1989-09-12 1991-04-09 Addax, Inc. Service allocation system
ZA907106B (en) 1989-10-06 1991-09-25 Net 1 Products Pty Ltd Funds transfer system
DE3935364C1 (zh) 1989-10-24 1990-08-23 Angewandte Digital Elektronik Gmbh, 2051 Brunstorf, De
US5212777A (en) 1989-11-17 1993-05-18 Texas Instruments Incorporated Multi-processor reconfigurable in single instruction multiple data (SIMD) and multiple instruction multiple data (MIMD) modes and method of operation
US5239654A (en) 1989-11-17 1993-08-24 Texas Instruments Incorporated Dual mode SIMD/MIMD processor providing reuse of MIMD instruction memories as data memories when operating in SIMD mode
US5197140A (en) 1989-11-17 1993-03-23 Texas Instruments Incorporated Sliced addressing multi-processor and method of operation
US5522083A (en) 1989-11-17 1996-05-28 Texas Instruments Incorporated Reconfigurable multi-processor operating in SIMD mode with one processor fetching instructions for use by remaining processors
US5339447A (en) 1989-11-17 1994-08-16 Texas Instruments Incorporated Ones counting circuit, utilizing a matrix of interconnected half-adders, for counting the number of ones in a binary string of image data
US6038584A (en) 1989-11-17 2000-03-14 Texas Instruments Incorporated Synchronized MIMD multi-processing system and method of operation
US6070003A (en) 1989-11-17 2000-05-30 Texas Instruments Incorporated System and method of memory access in apparatus having plural processors and plural memories
DE68928980T2 (de) 1989-11-17 1999-08-19 Texas Instruments Inc Multiprozessor mit Koordinatenschalter zwischen Prozessoren und Speichern
US5410649A (en) 1989-11-17 1995-04-25 Texas Instruments Incorporated Imaging computer system and network
US4993068A (en) 1989-11-27 1991-02-12 Motorola, Inc. Unforgeable personal identification system
US5198647A (en) 1989-11-28 1993-03-30 Mitsubishi Denki Kabushiki Kaisha Plural-coil non-contact ic card having pot cores and shielding walls
EP0429782B1 (de) 1989-12-01 1994-05-18 Landis & Gyr Technology Innovation AG Anordnung zur Verbesserung der Fälschungssicherheit eines Wertdokumentes
DE3941070A1 (de) 1989-12-08 1991-06-13 Dirk Lehnartz Informations- und werbetraeger, insbesondere praesentations- und / oder geschaeftskarte
US5096228A (en) 1990-01-10 1992-03-17 Rinderknecht Lester W Notched I.D. card
US5142383A (en) 1990-01-25 1992-08-25 American Banknote Holographics, Inc. Holograms with discontinuous metallization including alpha-numeric shapes
US5192947A (en) 1990-02-02 1993-03-09 Simon Neustein Credit card pager apparatus
GB9003446D0 (en) 1990-02-15 1990-04-11 Sunman Robert P Cards
US5023782A (en) * 1990-03-26 1991-06-11 Mastercard International Inc. Travelers cheque transaction terminal
US5769457A (en) 1990-12-01 1998-06-23 Vanguard Identification Systems, Inc. Printed sheet mailers and methods of making
US4998753A (en) 1990-04-03 1991-03-12 Sharon Wichael Multi-purpose computer readable driver's license
US5623547A (en) * 1990-04-12 1997-04-22 Jonhig Limited Value transfer system
US5761493A (en) 1990-04-30 1998-06-02 Texas Instruments Incorporated Apparatus and method for adding an associative query capability to a programming language
US5359522A (en) 1990-05-09 1994-10-25 Ryan Michael C Fluid delivery control apparatus
US5646607A (en) 1990-06-15 1997-07-08 Texas Instruments Incorporated Transponder/interrogator protocol in a multi-interrogator field
IL94848A (en) 1990-06-22 1993-08-18 Gur Shomron Credit card
US5355411A (en) 1990-08-14 1994-10-11 Macdonald John L Document security system
CH683410A5 (fr) 1990-08-22 1994-03-15 Eric Bauer Hermann Stockburger Procédé de fabrication d'une carte informatique munie de signes et carte informatique munie de signes obtenue par la mise en oeuvre de ce procédé.
US5171039A (en) 1990-08-27 1992-12-15 Micro Innovations, Incorporated Medical information card
US5572815A (en) 1990-08-31 1996-11-12 Kovner; Spencer Business card holder
USRE36788E (en) * 1990-09-06 2000-07-25 Visa International Service Association Funds transfer system
US5251937A (en) 1990-09-26 1993-10-12 Gao Gesellschaft Fuer Automation Und Organisation Mbh Multilayer data carrier and a method for producing it
JP2932311B2 (ja) 1990-10-03 1999-08-09 住化プラステック株式会社 透明性に優れた赤外線吸収フィルム
JPH04143881A (ja) 1990-10-05 1992-05-18 Toshiba Corp 相互認証方式
DE4033300C2 (de) 1990-10-19 1994-06-23 Gao Ges Automation Org Mehrschichtiger, kartenförmiger Datenträger und Verfahren zur Herstellung desselben
SE467403B (sv) 1990-11-07 1992-07-13 Tetra Alfa Holdings Foerpackningsmaterial med goda gasbarriaeregenskaper samt av materialet framstaelld foerpackningsbehaallare
SE9004054L (sv) 1990-12-19 1992-01-27 Cervitrol Ab Anordning och foerfarande foer automatisk skrivning, laesning och annan behandling av biljetter och andra dokument
US5221838A (en) 1990-12-24 1993-06-22 Motorola, Inc. Electronic wallet
NL9100026A (nl) 1991-01-09 1992-08-03 Texas Instruments Holland Ondervraagstation voor het identificeren van over een transportbaan voortbewogen objecten.
DE4100472C1 (zh) 1991-01-09 1992-07-23 Texas Instruments Deutschland Gmbh, 8050 Freising, De
DE4101301A1 (de) 1991-01-17 1992-07-23 Gao Ges Automation Org Sicherheitsdokument und verfahren zu seiner herstellung
US5099226A (en) 1991-01-18 1992-03-24 Interamerican Industrial Company Intelligent security system
US5520230A (en) 1991-01-22 1996-05-28 Sumner, Iii; Yancey Pocket card holder with money clip
NL9100110A (nl) 1991-01-23 1992-08-17 Texas Instruments Holland Ondervraagstation voor identificatiedoeleinden met afzonderlijke zend- en ontvangantennes.
NL9100111A (nl) 1991-01-23 1992-08-17 Texas Instruments Holland Antennestelsel voor een ondervraagstation voor het identificeren van objecten.
US5052328A (en) 1991-02-28 1991-10-01 Eppenbach Lawrence C Apparatus for preventing credit card loss
US5125356A (en) 1991-03-27 1992-06-30 Galante Vincent F Missing card warning device
US5231273A (en) * 1991-04-09 1993-07-27 Comtec Industries Inventory management system
US5657388A (en) 1993-05-25 1997-08-12 Security Dynamics Technologies, Inc. Method and apparatus for utilizing a token for resource access
DE4119792C2 (de) 1991-06-15 1994-06-16 Kurz Kunststoffe Gmbh Tragbarer aufklappbarer Behälter oder Box in Brieftaschenform aus Kunststoff
GB2272552B (en) 1991-07-17 1996-04-10 John Wolfgang Halpern Electronic travel pass
EP0523272B1 (en) 1991-07-18 1997-04-02 Texas Instruments Deutschland Gmbh Circuit arrangement for obtaining a constant field strength of an HF signal radiated by a transmitting device with exchangeable antenna
US5193114A (en) 1991-08-08 1993-03-09 Moseley Donald R Consumer oriented smart card system and authentication techniques
JP2561186B2 (ja) 1991-09-11 1996-12-04 日本発条株式会社 対象物の識別構造
US5489411A (en) 1991-09-23 1996-02-06 Texas Instruments Incorporated Titanium metal foils and method of making
JP3083187B2 (ja) 1991-09-30 2000-09-04 富士通株式会社 電子財布システムの鍵管理方式
WO1993007594A1 (en) 1991-10-11 1993-04-15 Verifone, Inc. Dispensing machine with data card scanner apparatus and enhanced features
WO1993010509A1 (en) 1991-11-12 1993-05-27 Security Domain Pty. Ltd. Method and system for secure, decentralised personalisation of smart cards
US5453601A (en) 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
US5557518A (en) 1994-04-28 1996-09-17 Citibank, N.A. Trusted agents for open electronic commerce
US5585787A (en) 1991-12-09 1996-12-17 Wallerstein; Robert S. Programmable credit card
US5226989A (en) 1991-12-16 1993-07-13 Texas Instruments Incorporated Method for reducing thickness of a titanium foil or thin strip element
US5607522A (en) 1991-12-19 1997-03-04 Texas Instruments Incorporated Method of making electrical contact material
US5257656A (en) 1991-12-26 1993-11-02 Mcleroy James H Wallet and card holder
DE69125839T2 (de) 1991-12-30 1997-07-31 Texas Instruments Inc Eingebauter Chip-Transponder mit Antennenspule
US5428210A (en) 1992-01-10 1995-06-27 National Bancard Corporation Data card terminal with embossed character reader and signature capture
US5222282A (en) 1992-01-13 1993-06-29 Texas Instruments Incorporated Method for reducing thickness of a high-strength low-ductility metal foil on thin strip element
JPH05193291A (ja) 1992-01-16 1993-08-03 Hitachi Maxell Ltd 赤外光吸収マ−ク印刷物
KR960015761B1 (en) 1992-01-27 1996-11-21 Fujitsu Ltd Charaster gerenating method and apparatus
EP0554581B1 (en) 1992-02-05 1997-05-28 Texas Instruments Incorporated Method for producing a flat flexible antenna core for a chip transponder to be incorporated in a badge or similar object, and a thus produced antenna core
US5608203A (en) 1992-02-12 1997-03-04 Finkelstein; Alan Credit card with magnifying lens
TW236016B (zh) 1992-02-29 1994-12-11 Leonhard Kurz & Co
JPH05254283A (ja) 1992-03-10 1993-10-05 Omron Corp 光カードおよびその読取装置
US5774882A (en) * 1992-03-12 1998-06-30 Keen; Regina D. Credit approval system
US5745571A (en) 1992-03-30 1998-04-28 Telstra Corporation Limited Cryptographic communications method and system
JP2520346B2 (ja) 1992-04-28 1996-07-31 日本発条株式会社 対象物の識別構造
US5865470A (en) 1992-05-12 1999-02-02 Thompson; Kenneth Peel off coupon redemption card with microprocessor chip and tracking system
US5572226A (en) 1992-05-15 1996-11-05 Micron Technology, Inc. Spherical antenna pattern(s) from antenna(s) arranged in a two-dimensional plane for use in RFID tags and labels
US5365551A (en) 1992-12-15 1994-11-15 Micron Technology, Inc. Data communication transceiver using identification protocol
US6144916A (en) 1992-05-15 2000-11-07 Micron Communications, Inc. Itinerary monitoring system for storing a plurality of itinerary data points
US5900954A (en) 1992-06-01 1999-05-04 Symbol Technologies, Inc. Machine readable record carrier with hologram
US5856048A (en) 1992-07-27 1999-01-05 Dai Nippon Printing Co., Ltd. Information-recorded media and methods for reading the information
US5503434A (en) 1992-07-30 1996-04-02 Gunn; Robert T. Credit/service card with expanded surface area
US5308121A (en) 1992-07-30 1994-05-03 Gunn Robert T Credit/service card with expanded surface area
US5665439A (en) 1992-08-11 1997-09-09 E. Khashoggi Industries Articles of manufacture fashioned from hydraulically settable sheets
GB9220413D0 (en) 1992-09-28 1992-11-11 Texas Instruments Holland An antenna system
GB9220412D0 (en) 1992-09-28 1992-11-11 Texas Instruments Holland Transponder systems for automatic identification purposes
CA2100134C (en) * 1992-09-29 1999-06-22 Raymond Otto Colbert Secure credit/debit card authorization
US5479494A (en) 1992-10-05 1995-12-26 At&T Corp. Virtual calling card system
US5331138A (en) * 1992-11-03 1994-07-19 American Magnetics Corp. Hybrid card reader
EP0596162B1 (en) * 1992-11-06 2002-08-21 Texas Instruments Incorporated hypodermic needle with a protrusion
CA2103288C (en) * 1992-11-18 2004-08-17 Michael John Camille Marsh Detection of multiple articles
US5311679A (en) 1992-11-24 1994-05-17 Birch Sr John A Shoe pocket
US5450088A (en) 1992-11-25 1995-09-12 Texas Instruments Deutschland Gmbh Transponder arrangement
US5350906A (en) 1992-11-25 1994-09-27 Brody Bill E Currency transfer system and method using fixed limit cards
US5396251A (en) 1992-12-15 1995-03-07 Texas Instruments Deutschland Gmbh Electronic transponder tuning procedure
US6192255B1 (en) 1992-12-15 2001-02-20 Texas Instruments Incorporated Communication system and methods for enhanced information transfer
US5581630A (en) 1992-12-21 1996-12-03 Texas Instruments Incorporated Personal identification
US5279019A (en) 1992-12-29 1994-01-18 Knickle James P Credit card and money carrying device
US5559504A (en) 1993-01-08 1996-09-24 Kabushiki Kaisha Toshiba Surface shape sensor, identification device using this sensor, and protected system using this device
US5638080A (en) 1993-01-22 1997-06-10 Texas Instruments Incorporated Manufacture of a flexible antenna, with or without an inner permeable magnetic layer
US5613131A (en) 1993-01-29 1997-03-18 Microsoft Corporation Auto-formatting of tables in a spreadsheet program
JP3198183B2 (ja) 1993-02-02 2001-08-13 株式会社ジェーシービー 磁気ストライプ付きプラスチックカード
US5983207A (en) 1993-02-10 1999-11-09 Turk; James J. Electronic cash eliminating payment risk
US5321751A (en) 1993-02-18 1994-06-14 Eastman Kodak Company Method and apparatus for credit card verification
US6112191A (en) 1993-02-18 2000-08-29 Every Penny Counts, Inc. Method and system to create and distribute excess funds from consumer spending transactions
US5701127A (en) 1993-02-23 1997-12-23 Texas Instruments Incorporated Automatic vehicle identification system capable of vehicle lane discrimination
US5326964A (en) 1993-03-10 1994-07-05 Risser J Marlin Separable multi-account safety credit card
GB9306805D0 (en) * 1993-04-01 1993-05-26 Jonhig Ltd Smart card reader
US5555877A (en) 1993-04-16 1996-09-17 George S. Lockwood Cover for pond used to collect solar radiation
US5351142A (en) 1993-04-16 1994-09-27 Crown Roll Leaf, Inc. Semi-transparent reflective layer for a phase hologram
US5884292A (en) 1993-05-06 1999-03-16 Pitney Bowes Inc. System for smart card funds refill
EP0625714A1 (en) 1993-05-19 1994-11-23 Texas Instruments Deutschland Gmbh Method of transmitting a data message stored in a transponder device to an interrogating device
CA2123456C (en) 1993-05-24 1998-09-15 William Berson Document authentication system utilizing a transparent label
US6109525A (en) 1993-05-28 2000-08-29 Saab-Scania Combitech Akitiebolag Method and device for registering vehicles in a road toll facility
CA2163365C (en) 1993-06-02 2004-04-20 Lance S. Nakamura System and method for revaluation of stored tokens in ic cards
US5432518A (en) 1993-06-15 1995-07-11 Texas Instruments Incorporated Closed slot antenna having outer and inner magnetic loops
US5453747A (en) 1993-06-28 1995-09-26 Texas Instruments Deutschland Gmbh Transponder systems for automatic identification purposes
US5491715A (en) 1993-06-28 1996-02-13 Texas Instruments Deutschland Gmbh Automatic antenna tuning method and circuit
KR100214428B1 (ko) 1993-06-30 1999-08-02 후지무라 마사지카, 아키모토 유미 적외선차단재와 그것에 사용하는 적외선차단분말
US6119099A (en) 1997-03-21 2000-09-12 Walker Asset Management Limited Partnership Method and system for processing supplementary product sales at a point-of-sale terminal
US6050605A (en) 1993-07-07 2000-04-18 Mikelionis; Raymond J. Wallet card with sleeve adapted for receipt of elongated functional member
US5412192A (en) 1993-07-20 1995-05-02 American Express Company Radio frequency activated charge card
US5844230A (en) 1993-08-09 1998-12-01 Lalonde; Michael G. Information card
US5407893A (en) 1993-08-19 1995-04-18 Konica Corporation Material for making identification cards
US5649118A (en) 1993-08-27 1997-07-15 Lucent Technologies Inc. Smart card with multiple charge accounts and product item tables designating the account to debit
US5541604A (en) 1993-09-03 1996-07-30 Texas Instruments Deutschland Gmbh Transponders, Interrogators, systems and methods for elimination of interrogator synchronization requirement
GB2281714B (en) 1993-09-07 1996-11-27 Baratin Ltd A card for use for example in a retail credit scheme
US6089611A (en) 1993-09-10 2000-07-18 Arthur Blank & Co., Inc. Card with identifying feature and removable element
US5538135A (en) 1993-09-14 1996-07-23 Cui, Inc. Dual-medium articles, including hinged articles
US5677953A (en) 1993-09-14 1997-10-14 Spyrus, Inc. System and method for access control for portable data storage media
US5544246A (en) * 1993-09-17 1996-08-06 At&T Corp. Smartcard adapted for a plurality of service providers and for remote installation of same
US5557279A (en) 1993-09-28 1996-09-17 Texas Instruments Incorporated Unitarily-tuned transponder/shield assembly
EP0667537A3 (en) 1993-10-04 1996-07-17 Texas Instruments Deutschland Positioning with "RF-ID" transponders.
US5575094A (en) 1993-10-19 1996-11-19 Leake; Michael J. Greeting card and picture frame combination
EP0650074A1 (en) 1993-10-22 1995-04-26 Texas Instruments Holland B.V. Highly accurate RF-ID positioning system
US5477038A (en) 1993-10-25 1995-12-19 Visa International Method and apparatus for distributing currency
USRE36365E (en) 1993-10-25 1999-11-02 Visa International Service Association Method and apparatus for distributing currency
US5438184A (en) 1993-10-26 1995-08-01 Verifone Inc. Method and apparatus for electronic cash transactions
EP0650216B1 (en) 1993-10-26 2000-01-19 Texas Instruments Deutschland Gmbh Antenna circuit
US5920847A (en) 1993-11-01 1999-07-06 Visa International Service Association Electronic bill pay system
US5930776A (en) * 1993-11-01 1999-07-27 The Golden 1 Credit Union Lender direct credit evaluation and loan processing system
DE4339460C1 (de) 1993-11-19 1995-04-06 Siemens Ag Verfahren zur Authentifizierung eines Systemteils durch ein anderes Systemteil eines Informationsübertragungssystems nach dem Challenge-and Response-Prinzip
US5397881A (en) 1993-11-22 1995-03-14 Mannik; Kallis H. Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner
FR2713419B1 (fr) 1993-12-02 1996-07-05 Gemplus Card Int Procédé de génération de signatures DSA avec des appareils portables à bas coûts.
ES2108814T3 (es) 1993-12-10 1998-01-01 Agfa Gevaert Nv Documento de seguridad con un soporte transparente o translucido y que contiene pigmentos de interferencia.
US5521966A (en) 1993-12-14 1996-05-28 At&T Corp. Method and system for mediating transactions that use portable smart cards
JP3367675B2 (ja) 1993-12-16 2003-01-14 オープン マーケット インコーポレイテッド オープンネットワーク販売システム及び取引トランザクションのリアルタイムでの承認を行う方法
US5578808A (en) * 1993-12-22 1996-11-26 Datamark Services, Inc. Data card that can be used for transactions involving separate card issuers
US5530232A (en) * 1993-12-22 1996-06-25 Datamark Services, Inc. Multi-application data card
US5826243A (en) 1994-01-03 1998-10-20 Merrill Lynch & Co., Inc. Integrated system for controlling master account and nested subaccount(s)
US6108641A (en) 1994-01-03 2000-08-22 Merrill Lynch, Pierce, Fenner & Smith Integrated nested account financial system with medical savings subaccount
US5491483A (en) 1994-01-05 1996-02-13 Texas Instruments Incorporated Single loop transponder system and method
US5434919A (en) 1994-01-11 1995-07-18 Chaum; David Compact endorsement signature systems
US5541582A (en) 1994-01-13 1996-07-30 Datascape, Inc. Apparatus for data communication switching
US5478629A (en) 1994-01-21 1995-12-26 Gencorp Inc. Polymeric sheets and laminas having high flexural durability
JP2783971B2 (ja) 1994-01-26 1998-08-06 日本信販株式会社 クレジットカードの発行方法
US5606594A (en) 1994-01-27 1997-02-25 Dell Usa, L.P. Communication accessory and method of telecommunicating for a PDA
GB9401924D0 (en) 1994-02-01 1994-03-30 Jonhig Ltd System for road toll payment
AU703349B2 (en) 1994-02-04 1999-03-25 Ic One, Inc. Method and system for allocating and redeeming incentive credits
US5557516A (en) 1994-02-04 1996-09-17 Mastercard International System and method for conducting cashless transactions
US5461386A (en) 1994-02-08 1995-10-24 Texas Instruments Incorporated Inductor/antenna for a recognition system
DE4403753C1 (de) 1994-02-08 1995-07-20 Angewandte Digital Elektronik Kombinierte Chipkarte
US5461217A (en) 1994-02-08 1995-10-24 At&T Ipm Corp. Secure money transfer techniques using smart cards
US5552789A (en) 1994-02-14 1996-09-03 Texas Instruments Deutschland Gmbh Integrated vehicle communications system
FR2728981A1 (fr) 1994-12-28 1996-07-05 Gemplus Card Int Procede pour la mise en oeuvre d'un protocole de communication a cle privee entre deux dispositifs de traitement
JPH07271939A (ja) 1994-03-30 1995-10-20 Mitsubishi Denki Semiconductor Software Kk 非接触ｉｃカード，カードリーダライタ及びカード装置
US5450087A (en) 1994-04-06 1995-09-12 Texas Instruments Incorporated Transponder maintenance mode method
US5471212A (en) 1994-04-26 1995-11-28 Texas Instruments Incorporated Multi-stage transponder wake-up, method and structure
US5488376A (en) 1994-04-26 1996-01-30 Texas Instruments Incorporated Transponder interface circuit
US5917925A (en) 1994-04-14 1999-06-29 Moore; Lewis J. System for dispensing, verifying and tracking postage and other information on mailpieces
US5537314A (en) 1994-04-18 1996-07-16 First Marketrust Intl. Referral recognition system for an incentive award program
US6088797A (en) 1994-04-28 2000-07-11 Rosen; Sholom S. Tamper-proof electronic processing device
US5799087A (en) 1994-04-28 1998-08-25 Citibank, N.A. Electronic-monetary system
US5500513A (en) 1994-05-11 1996-03-19 Visa International Automated purchasing control system
US5792337A (en) 1994-05-12 1998-08-11 Texas Instruments Incorporated Method and apparatus for detection of corrosion
US5477040A (en) 1994-05-23 1995-12-19 Lalonde; Michael G. Structure for a method of facilitating charge transactions
US5878215A (en) * 1994-05-23 1999-03-02 Mastercard International Incorporated System and method for processing multiple electronic transaction requests
US5504808A (en) * 1994-06-01 1996-04-02 Hamrick, Jr.; James N. Secured disposable debit card calling system and method
FR2720848B1 (fr) 1994-06-03 1996-07-26 Gemplus Card Int Procédé de conduite d'une transaction entre une carte à puce et un système d'information.
US5577109A (en) 1994-06-06 1996-11-19 Call Processing, Inc. Pre-paid card system and method
US5577121A (en) 1994-06-09 1996-11-19 Electronic Payment Services, Inc. Transaction system for integrated circuit cards
US5785680A (en) 1994-06-13 1998-07-28 Texas Instruments Incorporated Injector and object to be injected by the injector
US5673106A (en) 1994-06-17 1997-09-30 Texas Instruments Incorporated Printing system with self-monitoring and adjustment
US5590038A (en) 1994-06-20 1996-12-31 Pitroda; Satyan G. Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
US6925439B1 (en) 1994-06-20 2005-08-02 C-Sam, Inc. Device, system and methods of conducting paperless transactions
US5506395A (en) 1994-06-22 1996-04-09 William C. Eppley Multi-access card and card holder with a plurality of machine readable service access codes placed thereon
US5668876A (en) 1994-06-24 1997-09-16 Telefonaktiebolaget Lm Ericsson User authentication method and apparatus
US5500651A (en) 1994-06-24 1996-03-19 Texas Instruments Incorporated System and method for reading multiple RF-ID transponders
US5621396A (en) 1994-06-30 1997-04-15 Texas Instruments Incorporated Method and apparatus with adaptive transponder plucking
US5597534A (en) 1994-07-05 1997-01-28 Texas Instruments Deutschland Gmbh Apparatus for wireless chemical sensing
US5625370A (en) 1994-07-25 1997-04-29 Texas Instruments Incorporated Identification system antenna with impedance transformer
US5602538A (en) 1994-07-27 1997-02-11 Texas Instruments Incorporated Apparatus and method for identifying multiple transponders
US5489908A (en) 1994-07-27 1996-02-06 Texas Instruments Deutschland Gmbh Apparatus and method for identifying multiple transponders
US5600175A (en) 1994-07-27 1997-02-04 Texas Instruments Incorporated Apparatus and method for flat circuit assembly
US5629981A (en) 1994-07-29 1997-05-13 Texas Instruments Incorporated Information management and security system
JP4095680B2 (ja) 1994-08-01 2008-06-04 富士通株式会社 カード型記憶装置用セキュリティ管理方法およびカード型記憶装置
US5875432A (en) 1994-08-05 1999-02-23 Sehr; Richard Peter Computerized voting information system having predefined content and voting templates
US5569187A (en) 1994-08-16 1996-10-29 Texas Instruments Incorporated Method and apparatus for wireless chemical supplying
US5550536A (en) 1994-08-17 1996-08-27 Texas Instruments Deutschland Gmbh Circuit frequency following technique transponder resonant
US5490079A (en) 1994-08-19 1996-02-06 Texas Instruments Incorporated System for automated toll collection assisted by GPS technology
US5544255A (en) 1994-08-31 1996-08-06 Peripheral Vision Limited Method and system for the capture, storage, transport and authentication of handwritten signatures
US6091835A (en) 1994-08-31 2000-07-18 Penop Limited Method and system for transcribing electronic affirmations
US5797133A (en) * 1994-08-31 1998-08-18 Strategic Solutions Group, Inc Method for automatically determining the approval status of a potential borrower
DE4431605C2 (de) 1994-09-05 1998-06-04 Siemens Ag Verfahren zur Herstellung eines Chipkartenmoduls für kontaktlose Chipkarten
JPH0875919A (ja) 1994-09-07 1996-03-22 Kureha Chem Ind Co Ltd アクリル系樹脂製光学フィルター
US5528222A (en) 1994-09-09 1996-06-18 International Business Machines Corporation Radio frequency circuit and memory in thin flexible package
US5826241A (en) 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
US5608778A (en) 1994-09-22 1997-03-04 Lucent Technologies Inc. Cellular telephone as an authenticated transaction controller
US5533656A (en) 1994-09-27 1996-07-09 Bonaldi; Jeffrey P. Combination wallet with removeable clip
US5559887A (en) 1994-09-30 1996-09-24 Electronic Payment Service Collection of value from stored value systems
US5841364A (en) 1994-10-07 1998-11-24 Texas Instruments Incorporated Method and apparatus for transfering information from a transponder
DE19507144A1 (de) 1994-10-18 1996-04-25 Giesecke & Devrient Gmbh Mehrschichtiger Datenträger mit Deckschichten aus modifiziertem PET
US5715314A (en) 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
US5592150A (en) 1994-10-27 1997-01-07 Texas Instruments Incorporated Air coil and method of making the same
US5563582A (en) 1994-10-28 1996-10-08 Texas Instruments Incorporated Integrated air coil and capacitor and method of making the same
JPH08123919A (ja) 1994-10-28 1996-05-17 Mitsubishi Electric Corp 非接触ｉｃカードシステムおよびその通信方法
GB9422803D0 (en) 1994-11-11 1995-01-04 At & T Global Inf Solution A card reader
US5525992A (en) 1994-11-14 1996-06-11 Texas Instruments Deutschland Gmbh Method and system for conserving power in a recognition system
US5748737A (en) * 1994-11-14 1998-05-05 Daggar; Robert N. Multimedia electronic wallet with generic card
US6397198B1 (en) 1994-11-28 2002-05-28 Indivos Corporation Tokenless biometric electronic transactions using an audio signature to identify the transaction processor
US6230148B1 (en) 1994-11-28 2001-05-08 Veristar Corporation Tokenless biometric electric check transaction
US5764789A (en) 1994-11-28 1998-06-09 Smarttouch, Llc Tokenless biometric ATM access system
US6154879A (en) 1994-11-28 2000-11-28 Smarttouch, Inc. Tokenless biometric ATM access system
US5613012A (en) 1994-11-28 1997-03-18 Smarttouch, Llc. Tokenless identification system for authorization of electronic transactions and electronic transmissions
US6012039A (en) 1994-11-28 2000-01-04 Smarttouch, Inc. Tokenless biometric electronic rewards system
US6006069A (en) 1994-11-28 1999-12-21 Bosch Telecom Gmbh Point-to-multipoint communications system
US6269348B1 (en) 1994-11-28 2001-07-31 Veristar Corporation Tokenless biometric electronic debit and credit transactions
US7613659B1 (en) 1994-11-28 2009-11-03 Yt Acquisition Corporation System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse
US6366682B1 (en) 1994-11-28 2002-04-02 Indivos Corporation Tokenless electronic transaction system
DE69531334T2 (de) 1994-11-30 2004-05-27 Texas Instruments Inc., Dallas Schlüssel mit einer Luftspulenantenne und Verfahren zur Herstellung
US5497121A (en) 1994-11-30 1996-03-05 Texas Instruments Incorporated Automatically correcting data detection circuit and method for FSK modulated signals
JPH08209994A (ja) 1994-11-30 1996-08-13 Texas Instr Inc <Ti> キーロックおよびその製造方法
US5592767A (en) 1994-12-05 1997-01-14 Treske; Dieter Holder for identification cards
US5513272A (en) 1994-12-05 1996-04-30 Wizards, Llc System for verifying use of a credit/identification card including recording of physical attributes of unauthorized users
US20040011877A1 (en) 2002-07-19 2004-01-22 Reppermund Hans U. System for a card having data embedded therein
US5705798A (en) * 1994-12-16 1998-01-06 Mastercard International Inc. System and method for processing a customized financial transaction card
DE69517778T2 (de) 1994-12-21 2000-11-23 Mitsui Chemicals Inc Absorber im nahen Infrarot, dessen Herstellungsverfahren sowie dessen Verwendung
DE4446368A1 (de) 1994-12-23 1996-06-27 Giesecke & Devrient Gmbh Datenträger mit einem optisch variablen Element
US5857079A (en) 1994-12-23 1999-01-05 Lucent Technologies Inc. Smart card for automatic financial records
US5614703A (en) 1995-01-05 1997-03-25 Martin; Jay R. Hotel check-in system with wireless communication
US5915023A (en) 1997-01-06 1999-06-22 Bernstein; Robert Automatic portable account controller for remotely arranging for transfer of value to a recipient
JPH08307308A (ja) 1995-01-12 1996-11-22 Texas Instr Deutschland Gmbh トランスポンダ内の充電キャパシタ放電制御装置
EP0721850A3 (en) 1995-01-12 1997-02-05 De La Rue Thomas & Co Ltd Security document
US5660319A (en) 1995-01-17 1997-08-26 Texas Instruments Incorporated Ultrasonic bonding process
US5835894A (en) 1995-01-19 1998-11-10 Ann Adcock Corporation Speaker and command verification method
US5577100A (en) 1995-01-30 1996-11-19 Telemac Cellular Corporation Mobile phone with internal accounting
US5604801A (en) 1995-02-03 1997-02-18 International Business Machines Corporation Public key data communications system under control of a portable security device
DE19503607A1 (de) 1995-02-03 1996-08-08 Angewandte Digital Elektronik Chipkarten für die Darstellung unterschiedlicher Karteninformationen
EP1643340B1 (en) 1995-02-13 2013-08-14 Intertrust Technologies Corp. Secure transaction management
US5943422A (en) * 1996-08-12 1999-08-24 Intertrust Technologies Corp. Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels
US5991410A (en) 1995-02-15 1999-11-23 At&T Wireless Services, Inc. Wireless adaptor and wireless financial transaction system
US6771981B1 (en) 2000-08-02 2004-08-03 Nokia Mobile Phones Ltd. Electronic device cover with embedded radio frequency (RF) transponder and methods of using same
FI99071C (fi) 1995-02-15 1997-09-25 Nokia Mobile Phones Ltd Menetelmä sovellusten käyttämiseksi matkaviestimessä ja matkaviestin
US5689100A (en) 1995-03-21 1997-11-18 Martiz, Inc. Debit card system and method for implementing incentive award program
US5559317A (en) 1995-03-27 1996-09-24 International Verifact Inc. Card reader with carriage powered by movement of inserted card
US5594227A (en) 1995-03-28 1997-01-14 Microsoft Corporation System and method for protecting unauthorized access to data contents
US5715399A (en) 1995-03-30 1998-02-03 Amazon.Com, Inc. Secure method and system for communicating a list of credit card numbers over a non-secure network
JP3519491B2 (ja) 1995-03-31 2004-04-12 株式会社東海理化電機製作所 Ｉｃカード
US5679945A (en) 1995-03-31 1997-10-21 Cybermark, L.L.C. Intelligent card reader having emulation features
US5621199A (en) 1995-04-03 1997-04-15 Datalogic, Inc. RFID reader
US5590197A (en) 1995-04-04 1996-12-31 V-One Corporation Electronic payment system and method
US5602919A (en) 1995-04-10 1997-02-11 Texas Instruments Incorporated Speedup for monetary transactions using a transponder in conjunction with a smartcard
US6317721B1 (en) 1995-04-10 2001-11-13 Texas Instruments Incorporated Transaction accounting of toll transactions in transponder systems
US6725202B1 (en) 1995-04-10 2004-04-20 Texas Instruments Incorporated Transaction accounting of toll transactions in transponder systems
JP2814477B2 (ja) 1995-04-13 1998-10-22 ソニーケミカル株式会社 非接触式ｉｃカード及びその製造方法
US6099043A (en) 1995-04-14 2000-08-08 Story; Gerald A. Coupon catalogue apparatus
US5729236A (en) 1995-04-28 1998-03-17 Texas Instruments Incorporated Identification system reader with multiplexed antennas
JPH10502789A (ja) 1995-04-28 1998-03-10 フィリップス エレクトロニクス ネムローゼ フェンノートシャップ 装置グループ間で信頼性のある通信を行う無線通信システム
US5577120A (en) 1995-05-01 1996-11-19 Lucent Technologies Inc. Method and apparatus for restrospectively identifying an individual who had engaged in a commercial or retail transaction or the like
US5734838A (en) 1995-05-04 1998-03-31 American Savings Bank, F.A. Database computer architecture for managing an incentive award program and checking float of funds at time of purchase
US6424249B1 (en) 1995-05-08 2002-07-23 Image Data, Llc Positive identity verification system and method including biometric user authentication
US20020138351A1 (en) 1995-05-08 2002-09-26 Image Data, Llc Positive identification system and method
GB9509582D0 (en) 1995-05-11 1995-07-05 Jonhig Ltd Value transfer system
US5697649A (en) 1995-05-11 1997-12-16 Crane & Co., Inc. Articles employing a magnetic security feature
DK0829070T3 (da) 1995-05-15 2002-03-04 Mondex Int Ltd Retablering af transaktioner i et værdioverførselssystem
US5880675A (en) 1995-05-19 1999-03-09 Texas Instruments Incorporated Reusable package for identification devices
CA2150215C (en) 1995-05-25 2003-02-25 John Xidos Distributed gaming system
US5694596A (en) 1995-05-25 1997-12-02 Kangaroo, Inc. On-line database updating network system and method
DE59611468D1 (de) 1995-06-02 2008-05-21 Nxp Bv Chipkarte
US5692132A (en) * 1995-06-07 1997-11-25 Mastercard International, Inc. System and method for conducting cashless transactions on a computer network
US5924624A (en) 1995-06-07 1999-07-20 Crane Productions, Inc. Magnetic pocket frame
US7110880B2 (en) * 1997-10-22 2006-09-19 Intelligent Technologies International, Inc. Communication method and arrangement
US5942761A (en) 1995-06-07 1999-08-24 Tuli; Raja Singh Enhancement methods and devices for reading a fingerprint image
FR2735261B1 (fr) 1995-06-08 1997-07-11 France Telecom Procede de realisation d'un paiement utilisant un gestionnaire de comptes
US5742845A (en) 1995-06-22 1998-04-21 Datascape, Inc. System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network
US5790677A (en) 1995-06-29 1998-08-04 Microsoft Corporation System and method for secure electronic commerce transactions
US5794221A (en) * 1995-07-07 1998-08-11 Egendorf; Andrew Internet billing method
US6115458A (en) 1995-07-14 2000-09-05 American Express Travel Related Services Company, Inc. Method and apparatus for summaries of prepaid instrument transaction activity
DE59606041D1 (de) 1995-07-18 2000-11-30 Koninkl Philips Electronics Nv Datenübertragungssystem zwischen mindestens einer schreib-lese-station und mehreren datenträgern
JP2776409B2 (ja) 1995-08-02 1998-07-16 日本電気株式会社 皮膚紋様並びに指紋紋様の分類装置
US5956024A (en) * 1995-08-08 1999-09-21 Continental Cablevision, Inc. Graphical user interface for customer service representatives for subscriber management systems
US5786587A (en) 1995-08-10 1998-07-28 American Bank Note Holographics, Inc. Enhancement of chip card security
US5640002A (en) 1995-08-15 1997-06-17 Ruppert; Jonathan Paul Portable RF ID tag and barcode reader
US5852812A (en) 1995-08-23 1998-12-22 Microsoft Corporation Billing system for a network
US5826244A (en) 1995-08-23 1998-10-20 Xerox Corporation Method and system for providing a document service over a computer network using an automated brokered auction
US5878141A (en) 1995-08-25 1999-03-02 Microsoft Corporation Computerized purchasing system and method for mediating purchase transactions over an interactive network
US5768385A (en) 1995-08-29 1998-06-16 Microsoft Corporation Untraceable electronic cash
JPH0973487A (ja) 1995-09-01 1997-03-18 Fujitsu Ltd コンテンツ売上金分配システム及び分配方法
US5815252A (en) 1995-09-05 1998-09-29 Canon Kabushiki Kaisha Biometric identification process and system utilizing multiple parameters scans for reduction of false negatives
US5878403A (en) * 1995-09-12 1999-03-02 Cmsi Computer implemented automated credit application analysis and decision routing system
US5721781A (en) 1995-09-13 1998-02-24 Microsoft Corporation Authentication system and method for smart card transactions
US5663553A (en) 1995-09-27 1997-09-02 Intel Corporation Mass storage device adapter for smart cards
US6198762B1 (en) 1996-09-26 2001-03-06 Yuri Krasnov Supersonic and subsonic laser with RF discharge excitation
US5859419A (en) 1995-09-28 1999-01-12 Sol H. Wynn Programmable multiple company credit card system
US5748740A (en) * 1995-09-29 1998-05-05 Dallas Semiconductor Corporation Method, apparatus, system and firmware for secure transactions
US6138917A (en) 1995-10-02 2000-10-31 International Card Technology Multiple magnetic stripe transaction cards and systems for the utilization thereof
US5883377A (en) 1995-11-20 1999-03-16 International Card Technologies, Inc. Multiple magnetic stripe transaction cards and systems for the utilization thereof
EP0797170A4 (en) 1995-10-05 1999-11-24 Fujitsu Denso METHOD FOR REGISTERING FINGERPRINTS AND APPARATUS FOR CHECKING FINGERPRINTS
US5774670A (en) 1995-10-06 1998-06-30 Netscape Communications Corporation Persistent client state in a hypertext transfer protocol based client-server system
US6029175A (en) 1995-10-26 2000-02-22 Teknowledge Corporation Automatic retrieval of changed files by a network software agent
US5699528A (en) * 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US5757917A (en) 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
US5737710A (en) 1995-11-07 1998-04-07 Amtech Corporation Automated vehicle parking system for a plurality of remote parking facilities
US5796832A (en) 1995-11-13 1998-08-18 Transaction Technology, Inc. Wireless transaction and information system
US20030177347A1 (en) 1995-11-22 2003-09-18 Bruce Schneier Methods and apparatus for awarding prizes based on authentication of computer generated outcomes using coupons
ATE195099T1 (de) 1995-12-05 2000-08-15 Sherbrooke Securities Ltd Zahlungskarte
KR970066968A (ko) 1995-12-06 1997-10-13 히로아키 고하라 통신회선을 이용한 상품거래에서 서비스권의 발행방법
US6088686A (en) * 1995-12-12 2000-07-11 Citibank, N.A. System and method to performing on-line credit reviews and approvals
US5774870A (en) 1995-12-14 1998-06-30 Netcentives, Inc. Fully integrated, on-line interactive frequency and award redemption program
JP3133243B2 (ja) * 1995-12-15 2001-02-05 株式会社エヌケーインベストメント オンラインショッピングシステム
FR2742621B1 (fr) 1995-12-19 1998-01-09 Alcatel Mobile Comm France Dispositif de lecture de carte d'identification
US5978348A (en) 1995-12-20 1999-11-02 Canon Kabushiki Kaisha Optical recording medium and process for production thereof
EP0782214B1 (en) 1995-12-22 2004-10-06 Texas Instruments France Ring antennas for resonant cicuits
US5602918A (en) 1995-12-22 1997-02-11 Virtual Open Network Environment Corp. Application level security system and method
US6014634A (en) 1995-12-26 2000-01-11 Supermarkets Online, Inc. System and method for providing shopping aids and incentives to customers through a computer network
US5798709A (en) 1996-01-03 1998-08-25 Texas Instruments Incorporated Wireless transmitter carrier phase synchronization
ATE226344T1 (de) 1996-01-08 2002-11-15 Juergen Dethloff Verfahren und system zum bezahlen von leistungen sowie tragbarer datenträger für ein derartiges system
US20010013546A1 (en) 1996-01-09 2001-08-16 Ross William Leslie Identification system
US6016482A (en) 1996-01-11 2000-01-18 Merrill Lynch & Co., Inc. Enhanced collateralized funding processor
ES2174050T3 (es) 1996-01-12 2002-11-01 Ibm Intercambio anonimo y seguro de informacion en una red.
US5700037A (en) 1996-01-16 1997-12-23 Keller; John A. Security improved card
US5613001A (en) 1996-01-16 1997-03-18 Bakhoum; Ezzat G. Digital signature verification technology for smart credit card and internet applications
US5793324A (en) 1996-01-19 1998-08-11 Texas Instruments Incorporated Transponder signal collision avoidance system
US5777903A (en) 1996-01-22 1998-07-07 Motorola, Inc. Solar cell powered smart card with integrated display and interface keypad
US6197396B1 (en) 1996-01-27 2001-03-06 Temtec, Inc. Identification card strip assembly
GB9601924D0 (en) * 1996-01-31 1996-04-03 Certicom Corp Transaction verification protocol for smart cards
JPH1044936A (ja) 1996-01-31 1998-02-17 Texas Instr Deutschland Gmbh 全二重トランスポンダ用の減衰変調回路
EP0791706B1 (en) 1996-01-31 2004-07-14 Texas Instruments Deutschland Gmbh Improvements in or relating to full-wave rectifiers
EP0878775A4 (en) 1996-02-02 2001-07-04 Tokyo Mechatronics Co Ltd CAPACITIVE DATA CARD AND RELATED READER
JP3068483B2 (ja) 1996-02-08 2000-07-24 株式会社東芝 パターン読み出し方法、および光学的信号読み取り装置
US5742756A (en) 1996-02-12 1998-04-21 Microsoft Corporation System and method of using smart cards to perform security-critical operations requiring user authorization
US5878138A (en) 1996-02-12 1999-03-02 Microsoft Corporation System and method for detecting fraudulent expenditure of electronic assets
US6076078A (en) 1996-02-14 2000-06-13 Carnegie Mellon University Anonymous certified delivery
US6320394B1 (en) 1996-02-14 2001-11-20 Stmicroelectronics S.R.L. Capacitive distance sensor
US5987498A (en) * 1996-02-16 1999-11-16 Atcom, Inc. Credit card operated computer on-line service communication system
US5963915A (en) 1996-02-21 1999-10-05 Infoseek Corporation Secure, convenient and efficient system and method of performing trans-internet purchase transactions
US5761306A (en) * 1996-02-22 1998-06-02 Visa International Service Association Key replacement in a public key cryptosystem
US5838720A (en) 1996-02-23 1998-11-17 Teletransactions, Inc. Transceiver control with sleep mode operation
DE19606789C2 (de) 1996-02-23 1998-07-09 Orga Kartensysteme Gmbh Kunststoffkarte mit aus dieser heraustrennbarer Minichipkarte
US5948116A (en) 1996-02-23 1999-09-07 Texas Instruments Deutschland, Gmbh Bit error correction algorithm
US5979942A (en) 1996-02-28 1999-11-09 Ivicic; Zivko G. Mechanical greeting card
US5862325A (en) 1996-02-29 1999-01-19 Intermind Corporation Computer-based communication system and method using metadata defining a control structure
AU1987097A (en) 1996-03-07 1997-09-22 American Express Travel Related Services Company, Inc. Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia
US5932870A (en) 1996-03-11 1999-08-03 Pitney Bowes Inc. Documents containing a magnetic strip with a bar code affixed thereto
US6038551A (en) 1996-03-11 2000-03-14 Microsoft Corporation System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer
US5828044A (en) 1996-03-14 1998-10-27 Kookmin Credit Card Co., Ltd. Non-contacting type radio frequency recognizing credit card system
US6029147A (en) 1996-03-15 2000-02-22 Microsoft Corporation Method and system for providing an interface for supporting multiple formats for on-line banking services
JPH09259193A (ja) 1996-03-19 1997-10-03 Fujitsu Ltd 電子マネーシステムの取引方法
US5970471A (en) 1996-03-22 1999-10-19 Charles E. Hill & Associates, Inc. Virtual catalog and product presentation method and apparatus
US6097292A (en) 1997-04-01 2000-08-01 Cubic Corporation Contactless proximity automated data collection system and method
US5778069A (en) 1996-04-10 1998-07-07 Microsoft Corporation Non-biased pseudo random number generator
US5889941A (en) 1996-04-15 1999-03-30 Ubiq Inc. System and apparatus for smart card personalization
US5991608A (en) 1996-04-16 1999-11-23 U.S. Phillips Corporation Portable communication device with optimized transmission loss
US6044360A (en) 1996-04-16 2000-03-28 Picciallo; Michael J. Third party credit card
DE69737785T2 (de) 1996-04-18 2008-02-07 Kanebo Trinity Holdings, Ltd. Nahen infrarotstrahlen absorbierender film und damit ausgerüstete mehrschichtige verbrundplatte
US6014645A (en) * 1996-04-19 2000-01-11 Block Financial Corporation Real-time financial card application system
US6016484A (en) 1996-04-26 2000-01-18 Verifone, Inc. System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment
US5815657A (en) 1996-04-26 1998-09-29 Verifone, Inc. System, method and article of manufacture for network electronic authorization utilizing an authorization instrument
US5963924A (en) * 1996-04-26 1999-10-05 Verifone, Inc. System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce
US5987140A (en) * 1996-04-26 1999-11-16 Verifone, Inc. System, method and article of manufacture for secure network electronic payment and credit collection
JP3866376B2 (ja) 1996-05-02 2007-01-10 テキサス インスツルメンツ インコーポレイテツド 著作権付き資料のみをディジタルメディアシステム内で再生及び使用可能とする方法
US5825007A (en) 1996-05-06 1998-10-20 Jesadanont; Mongkol Automatic non-computer network no-stop collection of expressway tolls by prepaid cards and method: pay according to category of vehicle and the distance it travels
US5748137A (en) 1996-05-08 1998-05-05 Texas Instruments Incorporated Wireless flywheel synchronization method
US6058476A (en) 1996-05-22 2000-05-02 Matsushita Electric Industrial Co., Inc. Encryption apparatus for ensuring security in communication between devices
US5838257A (en) 1996-05-24 1998-11-17 Trw Inc. Keyless vehicle entry system employing portable transceiver having low power consumption
US5924080A (en) 1996-05-28 1999-07-13 Incredicard Llc Computerized discount redemption system
US6092198A (en) 1997-02-25 2000-07-18 International Business Machines Corporation System and method for enabling and controlling anonymous file transfer protocol communications
US5704046A (en) 1996-05-30 1997-12-30 Mastercard International Inc. System and method for conducting cashless transactions
US5823359A (en) 1996-05-30 1998-10-20 Sterling Plastics Co. Desktop vertical file assembly
US5988497A (en) 1996-05-30 1999-11-23 Mci Communications Corporation Method for authenticating credit transactions to prevent fraudulent charges
US5739512A (en) 1996-05-30 1998-04-14 Sun Microsystems, Inc. Digital delivery of receipts
US5834756A (en) 1996-06-03 1998-11-10 Motorola, Inc. Magnetically communicative card
US5778173A (en) 1996-06-12 1998-07-07 At&T Corp. Mechanism for enabling secure electronic transactions on the open internet
US5884310A (en) 1996-06-14 1999-03-16 Electronic Data Systems Corporation Distributed data integration method and system
US5983208A (en) * 1996-06-17 1999-11-09 Verifone, Inc. System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
US6002767A (en) 1996-06-17 1999-12-14 Verifone, Inc. System, method and article of manufacture for a modular gateway server architecture
US6072870A (en) * 1996-06-17 2000-06-06 Verifone Inc. System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
FR2750274B1 (fr) 1996-06-21 1998-07-24 Arditti David Procede de prise en compte d'une demande d'utilisation d'une carte prepayee virtuelle permettant la reutilisation de son numero de serie
US5731957A (en) 1996-06-24 1998-03-24 Texas Instruments Incorporated Transponder including a fluid cushioning medium and a method for its production
US6125352A (en) 1996-06-28 2000-09-26 Microsoft Corporation System and method for conducting commerce over a distributed network
US6073236A (en) 1996-06-28 2000-06-06 Sony Corporation Authentication method, communication method, and information processing apparatus
US5770843A (en) 1996-07-02 1998-06-23 Ncr Corporation Access card for multiple accounts
US5943624A (en) 1996-07-15 1999-08-24 Motorola, Inc. Contactless smartcard for use in cellular telephone
US5844218A (en) 1996-07-16 1998-12-01 Transaction Technology, Inc. Method and system for using an application programmable smart card for financial transactions in multiple countries
US5956693A (en) 1996-07-19 1999-09-21 Geerlings; Huib Computer system for merchant communication to customers
US5903880A (en) 1996-07-19 1999-05-11 Biffar; Peter C. Self-contained payment system with circulating digital vouchers
NL1003693C2 (nl) 1996-07-26 1998-01-28 Nederland Ptt Connector gevormd als chipkaart, inrichting voor samenwerking daarmee en inrichting voorzien daarvan.
US5874902A (en) 1996-07-29 1999-02-23 International Business Machines Corporation Radio frequency identification transponder with electronic circuit enabling/disabling capability
US5938010A (en) 1996-08-06 1999-08-17 Osterbye; Don Multi-purpose holder device
US5974238A (en) 1996-08-07 1999-10-26 Compaq Computer Corporation Automatic data synchronization between a handheld and a host computer using pseudo cache including tags and logical data elements
US5878337A (en) 1996-08-08 1999-03-02 Joao; Raymond Anthony Transaction security apparatus and method
US5854891A (en) 1996-08-09 1998-12-29 Tritheim Technologies, Inc. Smart card reader having multiple data enabling storage compartments
US6260026B1 (en) 1996-08-12 2001-07-10 Kabushiki Kaisha Media Marketing Network Credit card information management system
US5809142A (en) 1996-08-14 1998-09-15 Texas Instruments Incorporated Method and system for calculating a user account balance in a recognition system
US6088683A (en) 1996-08-21 2000-07-11 Jalili; Reza Secure purchase transaction method using telephone number
US5918216A (en) 1996-08-22 1999-06-29 Microsoft Corporation Automatic recognition of periods for financial transactions
US5907620A (en) 1996-08-23 1999-05-25 Cheyenne Property Trust Method and apparatus for enforcing the use of cryptography in an international cryptography framework
US6104311A (en) 1996-08-26 2000-08-15 Addison Technologies Information storage and identification tag
US5727696A (en) 1996-08-27 1998-03-17 Southern Imperial, Inc. Business card display holder
USD384971S (en) 1996-08-28 1997-10-14 Transaction Technology, Inc. Smart card with chip bearing a source identifier
US5923884A (en) 1996-08-30 1999-07-13 Gemplus S.C.A. System and method for loading applications onto a smart card
US6041308A (en) 1996-09-04 2000-03-21 Priceline.Com Incorporated System and method for motivating submission of conditional purchase offers
US5979757A (en) 1996-09-05 1999-11-09 Symbol Technologies, Inc. Method and system for presenting item information using a portable data terminal
US5845267A (en) 1996-09-06 1998-12-01 At&T Corp System and method for billing for transactions conducted over the internet from within an intranet
NO963903D0 (no) 1996-09-18 1996-09-18 Gary A Mcconnell Fremgangsmåte til registrering av validering av en personlig signatur, kompilering av databaser for bruk ved fremgangsmåten, en elektronisk skriveinnretning for signaturegistrering samt anvendelse av fremgangsmåter og innretning
WO1998011514A1 (fr) 1996-09-13 1998-03-19 Oki Electric Industry Co., Ltd. Systeme de transactions electroniques
EP1023700A2 (en) 1996-09-17 2000-08-02 Sherry Brennan Electronic card valet
US6011487A (en) 1996-09-17 2000-01-04 Ncr Corporation System and method of locating wireless devices
WO1998012670A1 (en) * 1996-09-18 1998-03-26 Dew Engineering And Development Limited Biometric identification system for providing secure access
JP3963536B2 (ja) 1996-09-19 2007-08-22 大日本印刷株式会社 Ｉｃカードの記録内容を表示する機能を有するカード入れ
US5789733A (en) 1996-09-20 1998-08-04 Motorola, Inc. Smart card with contactless optical interface
DE29616513U1 (de) 1996-09-23 1996-12-05 Raekchamnan Tongsai Telefonnotizbüchlein mit Einsteckführung z.B. für eine Telefonkarte
US5930767A (en) 1997-05-28 1999-07-27 Motorola, Inc. Transaction methods systems and devices
US5931917A (en) * 1996-09-26 1999-08-03 Verifone, Inc. System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser
US5978840A (en) * 1996-09-26 1999-11-02 Verifone, Inc. System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architecture
US5859587A (en) 1996-09-26 1999-01-12 Sensormatic Electronics Corporation Data communication and electronic article surveillance tag
US5859779A (en) * 1996-10-02 1999-01-12 Mobil Oil Corporation Portable point-of sale terminal with device for inputting security code access key
US5913203A (en) 1996-10-03 1999-06-15 Jaesent Inc. System and method for pseudo cash transactions
US5869822A (en) 1996-10-04 1999-02-09 Meadows, Ii; Dexter L. Automated fingerprint identification system
US6029150A (en) 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
US5953710A (en) 1996-10-09 1999-09-14 Fleming; Stephen S. Children's credit or debit card system
US6021943A (en) 1996-10-09 2000-02-08 Chastain; Robert H. Process for executing payment transactions
US5983200A (en) 1996-10-09 1999-11-09 Slotznick; Benjamin Intelligent agent for executing delegated tasks
US6323566B1 (en) 1996-10-10 2001-11-27 Texas Instruments Incorported Transponder for remote keyless entry systems
US6434159B1 (en) 1996-10-15 2002-08-13 Motorola, Inc. Transaction system and method therefor
US5791474A (en) 1996-10-15 1998-08-11 Display Pack, Inc. Wallet card package
US5999914A (en) 1996-10-16 1999-12-07 Microsoft Corporation Electronic promotion system for an electronic merchant system
US5897622A (en) 1996-10-16 1999-04-27 Microsoft Corporation Electronic shopping and merchandising system
CA2268951A1 (en) 1996-10-17 1998-04-23 Pinpoint Corporation Article tracking system
US6070150A (en) 1996-10-18 2000-05-30 Microsoft Corporation Electronic bill presentment and payment system
US5920058A (en) 1996-10-23 1999-07-06 Weber; David C. Holographic labeling and reading machine for authentication and security applications
US6002438A (en) 1996-10-25 1999-12-14 Texas Instruments Incorporated Method and apparatus for storing decoded video information
US5737439A (en) 1996-10-29 1998-04-07 Smarttouch, Llc. Anti-fraud biometric scanner that accurately detects blood flow
AU5249798A (en) 1996-11-05 1998-06-10 Eastman Chemical Company Security document and method using invisible coded markings
US6268788B1 (en) 1996-11-07 2001-07-31 Litronic Inc. Apparatus and method for providing an authentication system based on biometrics
US5898783A (en) 1996-11-14 1999-04-27 Lucent Technologies, Inc. System and method for employing a telecommunications network to remotely disable a SIM or smartcard
JPH10143570A (ja) 1996-11-15 1998-05-29 Susumu Miyake 信用供与カードの個人情報の電子的受渡方法、及びそのためのミニｉｃカード、アダプタカード、端末アダプタ、伝票発行機、携帯端末
US7207478B1 (en) 1999-11-30 2007-04-24 Diebold, Incorporated Check accepting and cash dispensing automated banking machine system and method
US5825302A (en) 1996-11-20 1998-10-20 Texas Instruments Incorporated System and method for transmitting data using reflected electromagnetic radiation
US7062464B1 (en) 1996-11-27 2006-06-13 Diebold Incorporated Automated banking machine and system
FR2756648B1 (fr) 1996-11-29 1999-01-08 Solaic Sa Carte a memoire du type sans contact
US5950179A (en) 1996-12-03 1999-09-07 Providian Financial Corporation Method and system for issuing a secured credit card
US5917913A (en) 1996-12-04 1999-06-29 Wang; Ynjiun Paul Portable electronic authorization devices and methods therefor
US6086971A (en) 1996-12-04 2000-07-11 Temtec, Inc. Identification card strip and ribbon assembly
US5995898A (en) 1996-12-06 1999-11-30 Micron Communication, Inc. RFID system in communication with vehicle on-board computer
US5991748A (en) 1996-12-06 1999-11-23 American Express Travel Related Services Company, Inc. Methods and apparatus for regenerating a prepaid transaction account
FR2756955B1 (fr) 1996-12-11 1999-01-08 Schlumberger Ind Sa Procede de realisation d'un circuit electronique pour une carte a memoire sans contact
US7287271B1 (en) 1997-04-08 2007-10-23 Visto Corporation System and method for enabling secure access to services in a computer network
DE69739043D1 (de) 1996-12-18 2008-11-27 Ncr Int Inc Selbstbedienungsterminal (SBT) mit Wartungsfunktion
US6198728B1 (en) 1996-12-19 2001-03-06 Phillips Electronics North America Corp. Medium access control (MAC) protocol for wireless ATM
EP0849734B1 (en) 1996-12-20 2003-04-16 Texas Instruments Incorporated Improvements in or relating to security systems
US6216219B1 (en) 1996-12-31 2001-04-10 Texas Instruments Incorporated Microprocessor circuits, systems, and methods implementing a load target buffer with entries relating to prefetch desirability
US5953512A (en) 1996-12-31 1999-09-14 Texas Instruments Incorporated Microprocessor circuits, systems, and methods implementing a loop and/or stride predicting load target buffer
US6130623A (en) 1996-12-31 2000-10-10 Lucent Technologies Inc. Encryption for modulated backscatter systems
US6230270B1 (en) 1997-01-03 2001-05-08 Texas Instruments Incorporated Integrated circuit identification system
US5920628A (en) * 1997-01-09 1999-07-06 Washington University Method and apparatus for fingerprinting and authenticating various magnetic media
US6095567A (en) 1997-01-13 2000-08-01 Buell; Robert Key locator
US5864306A (en) 1997-01-17 1999-01-26 Raytheon Company Detection regions for transponder tracking
EP0896712A4 (en) 1997-01-31 2000-01-26 T Netix Inc SYSTEM AND METHOD FOR DISCOVERING RECORDED LANGUAGE
US6331972B1 (en) 1997-02-03 2001-12-18 Motorola, Inc. Personal data storage and transaction device system and method
DE29702538U1 (de) 1997-02-13 1997-04-03 Pixyfoto Gmbh Ausweiskarte im Format einer Kredit- oder Scheckkarte
US5864830A (en) 1997-02-13 1999-01-26 Armetta; David Data processing method of configuring and monitoring a satellite spending card linked to a host credit card
US5988510A (en) 1997-02-13 1999-11-23 Micron Communications, Inc. Tamper resistant smart card and method of protecting data in a smart card
KR20000071078A (ko) 1997-02-14 2000-11-25 헬렌 브이. 단요 유한 필드상의 이산 대수 암호시스템의 원분 다항식 구조
FR2759795B1 (fr) * 1997-02-14 1999-05-07 Francois Charles Oberthur Fidu Procede de stockage de donnees dans une memoire reinscriptible de carte a puce
US6058418A (en) 1997-02-18 2000-05-02 E-Parcel, Llc Marketing data delivery system
US5996076A (en) * 1997-02-19 1999-11-30 Verifone, Inc. System, method and article of manufacture for secure digital certification of electronic commerce
US5857709A (en) 1997-02-24 1999-01-12 Chock; Ernest P. Anticounterfeit documentation with see-through and write-able hologram
US5960416A (en) 1997-02-27 1999-09-28 Block; Robert S. Real time subscriber billing at a subscriber location in an unstructured communication network
US5914671A (en) * 1997-02-27 1999-06-22 Micron Communications, Inc. System and method for locating individuals and equipment, airline reservation system, communication system
US6133834A (en) 1997-03-06 2000-10-17 Texas Instruments Deutschland, Gmbh Method of trimming film type antennas
AU734390B2 (en) 1997-03-10 2001-06-14 Precision Dynamics Corporation Reactively coupled elements in circuits on flexible substrates
US5915973A (en) 1997-03-11 1999-06-29 Sylvan Learning Systems, Inc. System for administration of remotely-proctored, secure examinations and methods therefor
US6112984A (en) 1997-03-14 2000-09-05 Snavely; John D. Electronic wallet or purse with means for funds transfer
GB2323329B (en) 1997-03-19 2002-02-06 Time & Data Syst Int Identification card with concealed coding
CA2288824A1 (en) 1997-03-24 1998-10-01 Marc B. Kekicheff A system and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart card
US6064320A (en) 1997-04-04 2000-05-16 Texas Instruments Incorporated Automatic vehicle identification system capable of vehicle lane discrimination
US5968570A (en) 1997-04-04 1999-10-19 Paulucci; Jeno F. Folded pastry product
US5955969A (en) 1997-04-09 1999-09-21 Texas Instruments Incorporated Method to prevent rouge transponder responses in automatic vehicle identification systems
KR100234317B1 (ko) 1997-04-10 1999-12-15 윤종용 휴대용 정보 단말기에서 선별적인 데이터 다운로드 방법
FR2762119B1 (fr) 1997-04-11 1999-07-09 Gemplus Card Int Systeme de transfert de donnees et d'unites de valeur sur un reseau de machines a sous
US6341353B1 (en) * 1997-04-11 2002-01-22 The Brodia Group Smart electronic receipt system
US5912678A (en) 1997-04-14 1999-06-15 Texas Instruments Incorporated Process flow design at the module effects level through the use of acceptability regions
US5930777A (en) 1997-04-15 1999-07-27 Barber; Timothy P. Method of charging for pay-per-access information over a network
US6125192A (en) 1997-04-21 2000-09-26 Digital Persona, Inc. Fingerprint recognition system
US6012636A (en) 1997-04-22 2000-01-11 Smith; Frank E. Multiple card data system having first and second memory elements including magnetic strip and fingerprints scanning means
US5950174A (en) 1997-04-25 1999-09-07 At&T Corp. Affiliation-based arrangement for billing
DE19718103A1 (de) 1997-04-29 1998-06-04 Kim Schmitz Verfahren zur Autorisierung in Datenübertragungssystemen
US6282522B1 (en) * 1997-04-30 2001-08-28 Visa International Service Association Internet payment system using smart card
US5970148A (en) 1997-05-02 1999-10-19 Texas Instruments Deutschland, Gmbh Low cost encryption transponder
US6297727B1 (en) 1997-05-05 2001-10-02 George N. Nelson, Jr. Transponder identification and record assembly
US6999936B2 (en) 1997-05-06 2006-02-14 Sehr Richard P Electronic ticketing system and methods utilizing multi-service visitor cards
US6014636A (en) 1997-05-06 2000-01-11 Lucent Technologies Inc. Point of sale method and system
CH691749A5 (fr) 1997-05-09 2001-09-28 Njc Innovations Carte à puce et moyens de transmission RF pour communiquer avec cette carte à puce.
US5970472A (en) 1997-05-13 1999-10-19 Fogdog Sports Performing electronic commerce on the internet providing links from product manufacturers to authorized dealers where the authorized dealer provides a custom order interface for the manufacturer's products
JP3728366B2 (ja) 1997-05-13 2005-12-21 株式会社ルネサステクノロジ Ｉｃカード
US6044388A (en) 1997-05-15 2000-03-28 International Business Machine Corporation Pseudorandom number generator
US6220510B1 (en) 1997-05-15 2001-04-24 Mondex International Limited Multi-application IC card with delegation feature
US6330544B1 (en) 1997-05-19 2001-12-11 Walker Digital, Llc System and process for issuing and managing forced redemption vouchers having alias account numbers
US6082422A (en) 1997-06-03 2000-07-04 Storus Corp. Money clip and card holder
JP3104646B2 (ja) 1997-06-04 2000-10-30 ソニー株式会社 外部記憶装置
US6050494A (en) 1997-06-09 2000-04-18 Samsung Display Devices Co., Ltd. Smart card
US5949044A (en) 1997-06-13 1999-09-07 Walker Asset Management Limited Partnership Method and apparatus for funds and credit line transfers
US6144948A (en) 1997-06-23 2000-11-07 Walker Digital, Llc Instant credit card marketing system for reservations for future services
US6085976A (en) 1998-05-22 2000-07-11 Sehr; Richard P. Travel system and methods utilizing multi-application passenger cards
US5945653A (en) 1997-06-26 1999-08-31 Walker Asset Management Limited Partnership System and method for establishing and executing functions to affect credit card accounts and transactions
IL121192A0 (en) 1997-06-30 1997-11-20 Ultimus Ltd Processing system and method for a heterogeneous electronic cash environment
FI105637B (fi) 1997-07-02 2000-09-15 Sonera Oyj Menetelmä tilaajaidentiteettimoduulille tallennettujen sovellusten hallintaan
USD408054S (en) 1997-07-02 1999-04-13 Retail Royalty Company Partially transparent card with opaque machine-readable and signature-receiving stripes
AU8276398A (en) 1997-07-03 1999-01-25 Citicorp Development Center, Inc. System and method for transferring value to a magnetic stripe on a transaction card
US5970470A (en) 1997-07-08 1999-10-19 Walker Asset Management Limited Partnership System and method for establishing and managing subscription purchase agreements including commitments to purchase goods over time at agreed upon prices
US6000608A (en) 1997-07-10 1999-12-14 Dorf; Robert E. Multifunction card system
US6295522B1 (en) 1997-07-11 2001-09-25 Cybercash, Inc. Stored-value card value acquisition method and apparatus
US5929801A (en) 1997-07-11 1999-07-27 Texas Instruments Incorporated Method for repeating interrogations until failing to receive unintelligible responses to identify plurality of transponders by an interrogator
US6006988A (en) 1997-07-15 1999-12-28 Behrmann; Bry E. Non-cash media card and process of dispensing from automated teller
US6078888A (en) 1997-07-16 2000-06-20 Gilbarco Inc. Cryptography security for remote dispenser transactions
JP3518266B2 (ja) 1997-07-18 2004-04-12 富士ゼロックス株式会社 表編集装置
US5963134A (en) 1997-07-24 1999-10-05 Checkpoint Systems, Inc. Inventory system using articles with RFID tags
US6006216A (en) 1997-07-29 1999-12-21 Lucent Technologies Inc. Data architecture for fetch-intensive database applications
US5982914A (en) 1997-07-29 1999-11-09 Smarttouch, Inc. Identification of individuals from association of finger pores and macrofeatures
US6016476A (en) 1997-08-11 2000-01-18 International Business Machines Corporation Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security
CH689070A5 (de) 1997-08-13 1998-08-31 Bresch Peter Verwendung eines Parkomat-Schluesselanhaengers fuer den Zutritt zu einer Autoparkplatzanlage
US6060815A (en) 1997-08-18 2000-05-09 X-Cyte, Inc. Frequency mixing passive transponder
US6014650A (en) 1997-08-19 2000-01-11 Zampese; David Purchase management system and method
US6003014A (en) * 1997-08-22 1999-12-14 Visa International Service Association Method and apparatus for acquiring access using a smart card
EP0899703B1 (en) 1997-08-25 2002-10-30 Texas Instruments France A navigational system
US6018718A (en) 1997-08-28 2000-01-25 Walker Asset Management Limited Partnership Method and system for processing customized reward offers
US6163771A (en) 1997-08-28 2000-12-19 Walker Digital, Llc Method and device for generating a single-use financial account number
WO1999012136A1 (en) * 1997-08-29 1999-03-11 Koninklijke Philips Electronics N.V. Method of, and system for, effecting cashless transactions and a device for use in such a system
US6466780B1 (en) 1997-09-03 2002-10-15 Interlok Technologies, Llc Method and apparatus for securing digital communications
US6102672A (en) 1997-09-10 2000-08-15 Turbodyne Systems, Inc. Motor-driven centrifugal air compressor with internal cooling airflow
US6032866A (en) 1997-09-10 2000-03-07 Motorola, Inc. Foldable apparatus having an interface
US6213391B1 (en) 1997-09-10 2001-04-10 William H. Lewis Portable system for personal identification based upon distinctive characteristics of the user
WO1999013424A1 (en) 1997-09-12 1999-03-18 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
US5960411A (en) 1997-09-12 1999-09-28 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
US5914472A (en) 1997-09-23 1999-06-22 At&T Corp Credit card spending authorization control system
US5883810A (en) 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US6000832A (en) 1997-09-24 1999-12-14 Microsoft Corporation Electronic online commerce card with customer generated transaction proxy number for online transactions
US6810304B1 (en) 1997-09-26 2004-10-26 Gilbarco Inc. Multistage ordering system for a fueling and retail environment
US6263319B1 (en) * 1997-09-26 2001-07-17 Masconi Commerce Systems Inc. Fuel dispensing and retail system for providing a shadow ledger
US6098879A (en) * 1997-09-26 2000-08-08 Gilbarco, Inc. Fuel dispensing system providing customer preferences
US6073840A (en) 1997-09-26 2000-06-13 Gilbarco Inc. Fuel dispensing and retail system providing for transponder prepayment
US6070156A (en) * 1997-09-26 2000-05-30 Gilbarco Inc. Providing transaction estimates in a fueling and retail system
US20020113082A1 (en) * 1997-09-26 2002-08-22 Leatherman Russel Dean Antenna placement in a fueling and retail system
US6385644B1 (en) * 1997-09-26 2002-05-07 Mci Worldcom, Inc. Multi-threaded web based user inbox for report management
US6037879A (en) 1997-10-02 2000-03-14 Micron Technology, Inc. Wireless identification device, RFID device, and method of manufacturing wireless identification device
US6768415B1 (en) 1997-10-03 2004-07-27 Micron Technology, Inc. Wireless identification device, RFID device with push-on/push-off switch, method of manufacturing wireless identification device
US5984180A (en) 1997-10-06 1999-11-16 Albrecht; Jerry L. Method and system for gift credit card
US6024385A (en) 1997-10-07 2000-02-15 Goda; Yukio Informational device
US5970475A (en) 1997-10-10 1999-10-19 Intelisys Electronic Commerce, Llc Electronic procurement system and method for trading partners
AU755458B2 (en) * 1997-10-14 2002-12-12 Visa International Service Association Personalization of smart cards
US6105008A (en) * 1997-10-16 2000-08-15 Visa International Service Association Internet loading system using smart card
US6233348B1 (en) 1997-10-20 2001-05-15 Fujitsu Limited Fingerprint registering apparatus, fingerprint identifying apparatus, and fingerprint identifying method
US6177859B1 (en) 1997-10-21 2001-01-23 Micron Technology, Inc. Radio frequency communication apparatus and methods of forming a radio frequency communication apparatus
US6024286A (en) 1997-10-21 2000-02-15 At&T Corp Smart card providing a plurality of independently accessible accounts
US5991750A (en) * 1997-10-24 1999-11-23 Ge Capital System and method for pre-authorization of individual account transactions
US5987155A (en) * 1997-10-27 1999-11-16 Dew Engineering And Development Limited Biometric input device with peripheral port
US5958004A (en) 1997-10-28 1999-09-28 Microsoft Corporation Disabling and enabling transaction committal in transactional application components
US6084967A (en) 1997-10-29 2000-07-04 Motorola, Inc. Radio telecommunication device and method of authenticating a user with a voice authentication token
US5966697A (en) 1997-10-30 1999-10-12 Clearcommerce Corporation System and method for secure transaction order management processing
IL122105A0 (en) * 1997-11-04 1998-04-05 Rozin Alexander A two-way radio-based electronic toll collection method and system for highway
US6138913A (en) 1997-11-05 2000-10-31 Isotag Technology, Inc. Security document and method using invisible coded markings
US6038292A (en) 1997-11-07 2000-03-14 American Express Travel Related Services Company, Inc. Methods and apparatus for language registration of prepaid, remote entry customer account
DE19749755A1 (de) 1997-11-11 1999-05-12 Meiller Comcard Gmbh Transportable Karteneinheit
US20010053239A1 (en) 1997-11-12 2001-12-20 Jasper Consulting, Inc. Credit card fraud elimination system
EP0917119A3 (en) 1997-11-12 2001-01-10 Citicorp Development Center, Inc. Distributed network based electronic wallet
US6041412A (en) 1997-11-14 2000-03-21 Tl Technology Rerearch (M) Sdn. Bhd. Apparatus and method for providing access to secured data or area
US6095413A (en) 1997-11-17 2000-08-01 Automated Transaction Corporation System and method for enhanced fraud detection in automated electronic credit card processing
US6177860B1 (en) * 1997-11-17 2001-01-23 International Business Machines Corporation Method and economical direct connected apparatus for deploying and tracking computers
AU1593699A (en) 1997-11-20 1999-06-15 Quo Technologies, L.L.C. Method and system for biometric recognition using unique internal distinguishingcharacteristics
US6205151B1 (en) 1997-11-21 2001-03-20 Texas Instruments Incorporated ATM cell scheduler which uses a heap memory and associates timestamps with each channel
US6115360A (en) 1997-11-21 2000-09-05 Texas Instruments Incorporated Fair scheduling of ATM cell transmissions during overscheduled conditions
US5969318A (en) 1997-11-24 1999-10-19 Mackenthun; Holger Gateway apparatus for designing and issuing multiple application cards
JP2950307B2 (ja) 1997-11-28 1999-09-20 日本電気株式会社 個人認証装置と個人認証方法
US6014635A (en) 1997-12-08 2000-01-11 Shc Direct, Inc. System and method for providing a discount credit transaction network
CH689680A5 (de) 1997-12-12 1999-08-13 Electrowatt Tech Innovat Corp Datentraer.
US6092057A (en) * 1997-12-12 2000-07-18 Commstar, Inc. Unattended POS system for automatic control of bank system rejections
KR100382181B1 (ko) 1997-12-22 2003-05-09 모토로라 인코포레이티드 단일 계좌 휴대용 무선 금융 메시지 유닛
US6041410A (en) 1997-12-22 2000-03-21 Trw Inc. Personal identification fob
US6263446B1 (en) 1997-12-23 2001-07-17 Arcot Systems, Inc. Method and apparatus for secure distribution of authentication credentials to roaming users
US6023510A (en) 1997-12-24 2000-02-08 Philips Electronics North America Corporation Method of secure anonymous query by electronic messages transported via a public network and method of response
US5995014A (en) 1997-12-30 1999-11-30 Accu-Time Systems, Inc. Biometric interface device for upgrading existing access control units
US5970473A (en) 1997-12-31 1999-10-19 At&T Corp. Video communication device providing in-home catalog services
US6121544A (en) 1998-01-15 2000-09-19 Petsinger; Julie Ann Electromagnetic shield to prevent surreptitious access to contactless smartcards
US6101477A (en) 1998-01-23 2000-08-08 American Express Travel Related Services Company, Inc. Methods and apparatus for a travel-related multi-function smartcard
US5989950A (en) 1998-01-26 1999-11-23 Texas Instruments - Acer Incorporated Reduced mask CMOS salicided process
US6098053A (en) 1998-01-28 2000-08-01 Citibank, N.A. System and method for performing an electronic financial transaction
US6889198B2 (en) 1998-01-30 2005-05-03 Citicorp Development Center, Inc. Method and system for tracking smart card loyalty points
US8346663B2 (en) 1998-01-30 2013-01-01 Citicorp Development Center, Inc. Method and system of contactless interfacing for smart card banking
US6742120B1 (en) 1998-02-03 2004-05-25 Mondex International Limited System and method for controlling access to computer code in an IC card
US6012049A (en) * 1998-02-04 2000-01-04 Citicorp Development Center, Inc. System for performing financial transactions using a smartcard
US6061344A (en) 1998-02-19 2000-05-09 Micron Technology, Inc. Method of addressing messages and communications system
US6104922A (en) 1998-03-02 2000-08-15 Motorola, Inc. User authentication in a communication system utilizing biometric information
US6157824A (en) 1998-03-02 2000-12-05 Bailey; Kenneth S. Virtual credit card access device for mobile communications equipment
US6421650B1 (en) 1998-03-04 2002-07-16 Goetech Llc Medication monitoring system and apparatus
US6179205B1 (en) * 1998-03-05 2001-01-30 Visa International Service Association System and method for locking and unlocking and application in a smart card
US6199079B1 (en) 1998-03-09 2001-03-06 Junglee Corporation Method and system for automatically filling forms in an integrated network based transaction environment
US6329920B1 (en) 1998-03-09 2001-12-11 Aginfolink Holdings Inc. Apparatus and method for reading radio frequency identification transponders used for livestock identification and data collection
US7171662B1 (en) 1998-03-18 2007-01-30 Microsoft Corporation System and method for software licensing
US6081790A (en) 1998-03-20 2000-06-27 Citibank, N.A. System and method for secure presentment and payment over open networks
US6578768B1 (en) * 1998-03-20 2003-06-17 Mastercard International Incorporated Method and device for selecting a reconfigurable communications protocol between and IC card and a terminal
US6636833B1 (en) 1998-03-25 2003-10-21 Obis Patents Ltd. Credit card system and method
US6609656B1 (en) 1998-03-27 2003-08-26 Micron Technology, Inc. Method and system for identifying lost or stolen devices
US6419158B2 (en) 1998-03-27 2002-07-16 Peter Hooglander System and method for carrying medical and/or personal information
SG92632A1 (en) 1998-03-30 2002-11-19 Citicorp Dev Ct Inc Method and system for managing applications for a multi-function smartcard
US6422462B1 (en) 1998-03-30 2002-07-23 Morris E. Cohen Apparatus and methods for improved credit cards and credit card transactions
IL123949A (en) 1998-04-03 2001-07-24 On Track Innovations Ltd Data transaction card having extended range
US6505773B1 (en) 1998-04-03 2003-01-14 International Business Machines Corporation Authenticated electronic coupon issuing and redemption
US6173899B1 (en) 1998-04-03 2001-01-16 Alexander Rozin Method and system for contactless energy transmission and data exchange between a terminal and IC card
US6307956B1 (en) 1998-04-07 2001-10-23 Gerald R. Black Writing implement for identity verification system
US6539101B1 (en) 1998-04-07 2003-03-25 Gerald R. Black Method for identity verification
US6158655A (en) 1998-04-08 2000-12-12 Donnelly Corporation Vehicle mounted remote transaction interface system
US5949335A (en) 1998-04-14 1999-09-07 Sensormatic Electronics Corporation RFID tagging system for network assets
US6315195B1 (en) 1998-04-17 2001-11-13 Diebold, Incorporated Transaction apparatus and method
US7004385B1 (en) 2003-04-01 2006-02-28 Diebold Self-Service Systems Division Of Diebold, Incorporated Currency dispensing ATM with RFID card reader
US6052675A (en) * 1998-04-21 2000-04-18 At&T Corp. Method and apparatus for preauthorizing credit card type transactions
US6710701B2 (en) * 1998-04-22 2004-03-23 Gilbarco Inc. Rfid tag location using tag or host interaction record
US5955951A (en) 1998-04-24 1999-09-21 Sensormatic Electronics Corporation Combined article surveillance and product identification system
US6173272B1 (en) 1998-04-27 2001-01-09 The Clearing House Service Company L.L.C. Electronic funds transfer method and system and bill presentment method and system
US6068184A (en) 1998-04-27 2000-05-30 Barnett; Donald A. Security card and system for use thereof
US6219639B1 (en) 1998-04-28 2001-04-17 International Business Machines Corporation Method and apparatus for recognizing identity of individuals employing synchronized biometrics
USD432939S (en) 1998-04-29 2000-10-31 Peter Hooglander Foldable medical identification system locket with readable electronic chip
US7096494B1 (en) 1998-05-05 2006-08-22 Chen Jay C Cryptographic system and method for electronic transactions
US6141752A (en) 1998-05-05 2000-10-31 Liberate Technologies Mechanism for facilitating secure storage and retrieval of information on a smart card by an internet service provider using various network computer client devices
US6199762B1 (en) 1998-05-06 2001-03-13 American Express Travel Related Services Co., Inc. Methods and apparatus for dynamic smartcard synchronization and personalization
ATE282990T1 (de) 1998-05-11 2004-12-15 Citicorp Dev Ct Inc System und verfahren zur biometrischen authentifizierung eines benutzers mit einer chipkarte
FR2778475B1 (fr) 1998-05-11 2001-11-23 Schlumberger Systems & Service Carte a memoire du type sans contact, et procede de fabrication d'une telle carte
US6411611B1 (en) 1998-05-18 2002-06-25 Koninklijke Phillips Electronics N.V. Communication systems, communication methods and a method of communicating data within a DECT communication system
EP0959440A3 (en) 1998-05-22 2000-05-17 Citicorp Development Center, Inc. System and method for automated electronic scrip transactions
DE19823532C2 (de) 1998-05-26 2003-08-21 T Mobile Deutschland Gmbh Verfahren zur Steuerung eines Teilnehmeridentitätsmoduls (SIM) in Mobilfunksystemen
DE19823731A1 (de) 1998-05-27 1999-12-02 Bayerische Motoren Werke Ag Fernbedienungseinrichtung für Fahrzeuge
US6131811A (en) 1998-05-29 2000-10-17 E-Micro Corporation Wallet consolidator
US6266754B1 (en) 1998-05-29 2001-07-24 Texas Instruments Incorporated Secure computing device including operating system stored in non-relocatable page of memory
US6129274A (en) 1998-06-09 2000-10-10 Fujitsu Limited System and method for updating shopping transaction history using electronic personal digital shopping assistant
US6107920A (en) 1998-06-09 2000-08-22 Motorola, Inc. Radio frequency identification tag having an article integrated antenna
US6298446B1 (en) * 1998-06-14 2001-10-02 Alchemedia Ltd. Method and system for copyright protection of digital images transmitted over networks
FR2779850A1 (fr) 1998-06-16 1999-12-17 Roland Moreno Procede et systeme d'utilisation d'une carte a microcircuit dans une pluralite d'applications
IT245067Y1 (it) 1998-06-19 2002-03-19 4P Srl Struttura di elaboratore elettronico palmare multifunzione.
US6141651A (en) * 1998-06-19 2000-10-31 First Data Corporation Funding and settlement integrated suspense processing system
US6029890A (en) 1998-06-22 2000-02-29 Austin; Frank User-Specified credit card system
US6250554B1 (en) 1998-06-23 2001-06-26 Agfa-Gevaert Chip card comprising an imaged-receiving layer
US6445794B1 (en) 1998-06-24 2002-09-03 Benyamin Ron System and method for synchronizing one time pad encryption keys for secure communication and access control
USD406861S (en) 1998-06-25 1999-03-16 Retail Royalty Company Partially transparent card with opaque machine-readable and signature-receiving stripes
JP3531481B2 (ja) 1998-06-29 2004-05-31 日立プラント建設株式会社 廃水の処理方法及び装置
US20040208343A1 (en) 1998-07-09 2004-10-21 Colorado State University Research Foundation Apparatus and method for creating a record using biometric information
US6219439B1 (en) * 1998-07-09 2001-04-17 Paul M. Burger Biometric authentication system
US6240989B1 (en) 1998-07-14 2001-06-05 Mahmoud Masoud Business card holder and dispenser
US6360953B1 (en) 1998-07-15 2002-03-26 Magnex Corporation Secure print sensing smart card with on-the-fly-operation
US6105865A (en) * 1998-07-17 2000-08-22 Hardesty; Laurence Daniel Financial transaction system with retirement saving benefit
US6421617B2 (en) 1998-07-18 2002-07-16 Interval Research Corporation Interface including fluid flow measurement for use in determining an intention of, or an effect produced by, an animate object
US6116505A (en) * 1998-07-21 2000-09-12 Gilbarco Inc. Fuel transaction system for enabling the purchase of fuel and non-fuel items on a single authorization
US6173897B1 (en) 1998-07-27 2001-01-16 John W. Halpern Universal card interface module for contact free cards
US5933328A (en) 1998-07-28 1999-08-03 Sandisk Corporation Compact mechanism for removable insertion of multiple integrated circuit cards into portable and other electronic devices
US6233389B1 (en) * 1998-07-30 2001-05-15 Tivo, Inc. Multimedia time warping system
EP1117064B1 (en) 1998-07-31 2005-01-26 Matsushita Electric Industrial Co., Ltd. A dual-purpose non-contact chip card, a system with terminal appartus and card, and a communication method
JP2000048153A (ja) 1998-07-31 2000-02-18 Sony Corp 非接触ｉｃカード
US6129277A (en) 1998-08-03 2000-10-10 Privicon, Inc. Card reader for transmission of data by sound
US6438235B2 (en) 1998-08-05 2002-08-20 Hewlett-Packard Company Media content protection utilizing public key cryptography
US7228437B2 (en) 1998-08-13 2007-06-05 International Business Machines Corporation Method and system for securing local database file of local content stored on end-user system
EP1862982B1 (en) 1998-08-14 2014-11-19 3M Innovative Properties Company Method of interrogating a package bearing an RFID tag
US6250557B1 (en) 1998-08-25 2001-06-26 Telefonaktiebolaget Lm Ericsson (Publ) Methods and arrangements for a smart card wallet and uses thereof
US6315193B1 (en) * 1998-08-31 2001-11-13 Mastercard International Incorporated Financial transaction card with installment loan feature
DE19839847A1 (de) 1998-09-02 2000-03-09 Ibm Speichern von Datenobjekten im Speicher einer Chipkarte
US6222914B1 (en) 1998-09-02 2001-04-24 Mcmullin John L. System and method for administration of an incentive award system having a delayed award payment using a credit instrument
US5973475A (en) 1998-09-04 1999-10-26 Ic-Tv Interactive Cyber Television Inc. Remote smart battery
CA2246873A1 (en) 1998-09-09 2000-03-09 Richard Verdicchio Latching mechanism
US6507662B1 (en) 1998-09-11 2003-01-14 Quid Technologies Llc Method and system for biometric recognition based on electric and/or magnetic properties
AU2342000A (en) 1998-09-11 2000-04-17 Loquitor Technologies Llc Generation and detection of induced current using acoustic energy
CA2343397C (en) 1998-09-11 2003-03-11 Motorola, Inc. Radio frequency identification tag apparatus and related method
US6148484A (en) 1998-09-15 2000-11-21 Andreae, Jr.; Fred N. Clip for retaining a golf score card, and optionally providing advertisement, in passenger-carrying golf carts
US6607136B1 (en) 1998-09-16 2003-08-19 Beepcard Inc. Physical presence digital authentication system
US6549912B1 (en) * 1998-09-23 2003-04-15 Visa International Service Association Loyalty file structure for smart card
US6089284A (en) * 1998-09-24 2000-07-18 Marconi Commerce Systems Inc. Preconditioning a fuel dispensing system using a transponder
US6513015B2 (en) 1998-09-25 2003-01-28 Fujitsu Limited System and method for customer recognition using wireless identification and visual data transmission
US6102162A (en) * 1998-10-08 2000-08-15 Teicher; Mordechai Automated self-service cafeteria system
JP3394716B2 (ja) 1998-10-12 2003-04-07 花王株式会社 染毛剤組成物
DE19847135B4 (de) 1998-10-13 2007-10-31 Texas Instruments Deutschland Gmbh Verfahren zum Lesen der in einem Transponder gespeicherten Daten und Transpondersystem zur Durchführung des Verfahrens
FI117077B (fi) 1998-10-14 2006-05-31 Sonera Smarttrust Oy Menetelmä ja järjestelmä turvamerkinnän käyttämiseksi
US6573884B1 (en) 1998-10-16 2003-06-03 Gilbarco Inc. ADA convertible input display
US6496594B1 (en) 1998-10-22 2002-12-17 Francine J. Prokoski Method and apparatus for aligning and comparing images of the face and body from different imagers
US6317750B1 (en) 1998-10-26 2001-11-13 Hyperion Solutions Corporation Method and apparatus for accessing multidimensional data
AU770396B2 (en) * 1998-10-27 2004-02-19 Visa International Service Association Delegated management of smart card applications
US6473500B1 (en) * 1998-10-28 2002-10-29 Mastercard International Incorporated System and method for using a prepaid card
US6100804A (en) 1998-10-29 2000-08-08 Intecmec Ip Corp. Radio frequency identification system
US7254557B1 (en) 1998-11-09 2007-08-07 C/Base, Inc. Financial services payment vehicle and method
US7047416B2 (en) 1998-11-09 2006-05-16 First Data Corporation Account-based digital signature (ABDS) system
US6519565B1 (en) 1998-11-10 2003-02-11 Voice Security Systems, Inc. Method of comparing utterances for security control
US6032136A (en) 1998-11-17 2000-02-29 First Usa Bank, N.A. Customer activated multi-value (CAM) card
US6353811B1 (en) 1998-11-18 2002-03-05 Steven I. Weissman Credit card billing system for identifying expenditures on a credit card account
US6076296A (en) 1998-11-20 2000-06-20 Schaeffer; Robert Combined holder and handle for machine readable entry card
US6257486B1 (en) 1998-11-23 2001-07-10 Cardis Research & Development Ltd. Smart card pin system, card, and reader
US20040016796A1 (en) 1998-11-25 2004-01-29 Diebold, Incorporated Automated banking apparatus and method
US6070154A (en) 1998-11-27 2000-05-30 Activepoint Ltd. Internet credit card security
JP2000163538A (ja) 1998-11-30 2000-06-16 Dainippon Printing Co Ltd 情報記憶媒体
US6179206B1 (en) 1998-12-07 2001-01-30 Fujitsu Limited Electronic shopping system having self-scanning price check and purchasing terminal
US6173269B1 (en) 1998-12-16 2001-01-09 Zowi.Com, Inc Method and apparatus for executing electronic commercial transactions with minors
DE19858840A1 (de) 1998-12-19 2000-06-21 Orga Kartensysteme Gmbh Verfahren zum bidirektionalen Datentransfer zwischen einem Terminal und einer Chipkarte sowie Chipkarte
EP1014320A1 (en) 1998-12-21 2000-06-28 Ncr International Inc. Method of and apparatus for maintaining a customer loyalty program on a smart card
JP2000177229A (ja) 1998-12-21 2000-06-27 Alps Electric Co Ltd 情報記録物および情報記録方法
US6123223A (en) * 1998-12-21 2000-09-26 Watkins; Kenneth M. Automated vending system for floral arrangements
US20030050831A1 (en) 1998-12-22 2003-03-13 John Klayh System for distribution and redemption of loyalty points and coupons
US6116655A (en) 1998-12-22 2000-09-12 Thouin; Mark E. Frangible card with a sealed compartment
JP4242494B2 (ja) 1998-12-24 2009-03-25 大日本印刷株式会社 携帯型信号処理装置
US6327578B1 (en) 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
EP1016947A3 (en) 1998-12-31 2006-04-26 Texas Instruments Incorporated Portable electronic equipment key
US6327573B1 (en) 1998-12-31 2001-12-04 Walker Digital, Llc Multiple party reward system utilizing single account
US6481621B1 (en) * 1999-01-12 2002-11-19 International Business Machines Corporation System method and article of manufacture for accessing and processing smart card information
US6332193B1 (en) 1999-01-18 2001-12-18 Sensar, Inc. Method and apparatus for securely transmitting and authenticating biometric data over a network
US6546373B1 (en) * 1999-01-18 2003-04-08 Mastercard International Incorporated System and method for recovering refundable taxes
US6651168B1 (en) 1999-01-29 2003-11-18 International Business Machines, Corp. Authentication framework for multiple authentication processes and mechanisms
JP2000222632A (ja) 1999-02-01 2000-08-11 Mitsubishi Electric Corp Ｉｃカードシステム装置及びそのｉｃカードに格納した金額の書き換え方法
US6263316B1 (en) 1999-02-02 2001-07-17 Momente, Llc Automated process for retailing to a vehicle occupant
JP2000222176A (ja) 1999-02-03 2000-08-11 Mitsubishi Electric Corp 乱数生成回路、当該乱数生成回路を内蔵する非接触ｉｃカード及びリーダ／ライタ、並びに、当該乱数生成回路を内蔵する装置のテスト方法
US7961917B2 (en) 1999-02-10 2011-06-14 Pen-One, Inc. Method for identity verification
PL350335A1 (en) 1999-02-18 2002-12-02 Orbis Patents Ltd Credit card system and method
US8538801B2 (en) 1999-02-19 2013-09-17 Exxonmobile Research & Engineering Company System and method for processing financial transactions
JP2000242635A (ja) 1999-02-19 2000-09-08 Fuji Xerox Co Ltd 表編集装置
US7451114B1 (en) 1999-02-19 2008-11-11 Visa International Service Association Conducting commerce between individuals
JP4204133B2 (ja) 1999-02-26 2009-01-07 ローム株式会社 通信システム
US6687714B1 (en) 1999-03-01 2004-02-03 Citicorp Development Center, Inc. Method and system for managing transaction card data
JP4289710B2 (ja) 1999-03-01 2009-07-01 ローム株式会社 認証機能を有する通信システム
CA2300241A1 (en) 1999-03-08 2000-09-08 Lenexa Card, L.L.C. A keytag card having encodeable magnetic strip
US6483477B1 (en) 1999-03-10 2002-11-19 Harris Corporation RF receiving antenna system
US7190257B2 (en) 1999-03-16 2007-03-13 Intermec Ip Corp. Data encoding in radio frequency identification transponders
US8498898B1 (en) 1999-03-19 2013-07-30 Citicorp Development Center, Inc. System and method for point of use reward determination
US6510998B1 (en) 1999-03-29 2003-01-28 Transmo Limited Card charging system
US6364208B1 (en) * 1999-03-29 2002-04-02 Transmo Limited Card changing system
US6507762B1 (en) 1999-03-31 2003-01-14 International Business Machines Corporation Method and system for remotely controlling an appliance using a personal digital assistant
US6400272B1 (en) * 1999-04-01 2002-06-04 Presto Technologies, Inc. Wireless transceiver for communicating with tags
US6402028B1 (en) * 1999-04-06 2002-06-11 Visa International Service Association Integrated production of smart cards
US6404341B1 (en) 1999-04-06 2002-06-11 1175634 Ontario Limited Security tag and method of making the same
US20040083184A1 (en) 1999-04-19 2004-04-29 First Data Corporation Anonymous card transactions
US20020095298A1 (en) 1999-04-19 2002-07-18 Frogmagic, Inc. Blind Gift Method and System
US6685089B2 (en) 1999-04-20 2004-02-03 Gilbarco, Inc. Remote banking during fueling
JP3817965B2 (ja) 1999-04-21 2006-09-06 富士ゼロックス株式会社 検出装置
US6277232B1 (en) 1999-04-22 2001-08-21 Mbna America Bank, N.A. Method of manufacturing a plastic card with a lenticular lens therein
JP2000306056A (ja) 1999-04-22 2000-11-02 Sankyo Seiki Mfg Co Ltd 磁気カードリーダー
US6116736A (en) 1999-04-23 2000-09-12 Neuroptics, Inc. Pupilometer with pupil irregularity detection capability
US6674786B1 (en) 1999-04-23 2004-01-06 Sankyo Seiki Mfg. Co., Ltd. Data demodulation
US6248199B1 (en) 1999-04-26 2001-06-19 Soundcraft, Inc. Method for the continuous fabrication of access control and identification cards with embedded electronics or other elements
US6353420B1 (en) 1999-04-28 2002-03-05 Amerasia International Technology, Inc. Wireless article including a plural-turn loop antenna
US6415978B1 (en) * 1999-05-03 2002-07-09 Psc Scanning, Inc. Multiple technology data reader for bar code labels and RFID tags
US6259769B1 (en) 1999-05-04 2001-07-10 Cubic Corporation Portable smart card communication device
US6227447B1 (en) 1999-05-10 2001-05-08 First Usa Bank, Na Cardless payment system
US6353870B1 (en) 1999-05-11 2002-03-05 Socket Communications Inc. Closed case removable expansion card having interconnect and adapter circuitry for both I/O and removable memory
US6304223B1 (en) 1999-05-12 2001-10-16 Cubic Corporation Contactless card automatic check-in check-out device
US7246244B2 (en) 1999-05-14 2007-07-17 Fusionarc, Inc. A Delaware Corporation Identity verification method using a central biometric authority
AU5301700A (en) 1999-05-28 2000-12-18 Coca-Cola Company, The Method and apparatus for surrogate control of network-based electronic transactions
US6223977B1 (en) 1999-06-03 2001-05-01 Westvaco Corporation Easy open envelope
US6200272B1 (en) 1999-06-08 2001-03-13 Curative Health Services, Inc. Folding card device for evaluating protective sensation
US6577229B1 (en) 1999-06-10 2003-06-10 Cubic Corporation Multiple protocol smart card communication device
US6994262B1 (en) 1999-06-16 2006-02-07 Vanguard Identification Systems, Inc. Printed sheet products with integral, removable, radio frequency identification elements
US6697947B1 (en) 1999-06-17 2004-02-24 International Business Machines Corporation Biometric based multi-party authentication
US6353173B1 (en) * 1999-06-17 2002-03-05 Roxio, Inc. Compressed audio data format and file system structures
US6064981A (en) 1999-06-17 2000-05-16 Barni; Neil A. Method for online display and negotiation of cargo rates
US6446073B1 (en) * 1999-06-17 2002-09-03 Roxio, Inc. Methods for writing and reading compressed audio data
US6784789B2 (en) 1999-07-08 2004-08-31 Intermec Ip Corp. Method and apparatus for verifying RFID tags
US7005985B1 (en) 1999-07-20 2006-02-28 Axcess, Inc. Radio frequency identification system and method
US6116423A (en) 1999-07-23 2000-09-12 Texas Instruments Incorporated Multi-functional shipping system for integrated circuit devices
AUPQ702900A0 (en) 2000-04-20 2000-05-18 Grosvenor Leisure Incorporated Secure biometric loop
US8648692B2 (en) 1999-07-23 2014-02-11 Seong Sang Investments Llc Accessing an automobile with a transponder
US6317755B1 (en) 1999-07-26 2001-11-13 Motorola, Inc. Method and apparatus for data backup and restoration in a portable data device
US6446862B1 (en) 1999-12-31 2002-09-10 W. Stephen G. Mann Point of purchase (PoP) terminal
US6457000B1 (en) 1999-07-29 2002-09-24 Oracle Corp. Method and apparatus for accessing previous rows of data in a table
JP4315530B2 (ja) 1999-07-29 2009-08-19 富士通株式会社 非接触ｉｃカードデバイスのための検波回路
US6386444B1 (en) 1999-07-30 2002-05-14 First Usa Bank, N.A. System and methods for card payment instrument with rebate applied to an insurance premium
CN1148044C (zh) 1999-08-06 2004-04-28 英业达集团(上海)电子技术有限公司 移动电话手机外接键盘装置及方法
US6224109B1 (en) 1999-08-07 2001-05-01 James Yung Chien Yang Credit card with driver's license or identification
US6120461A (en) 1999-08-09 2000-09-19 The United States Of America As Represented By The Secretary Of The Army Apparatus for tracking the human eye with a retinal scanning display, and method thereof
US6886742B2 (en) 1999-08-09 2005-05-03 First Data Corporation Systems and methods for deploying a point-of sale device
WO2001013338A1 (en) 1999-08-11 2001-02-22 Mark Iv Industries Limited Method and means for rf toll collection
US7308426B1 (en) 1999-08-11 2007-12-11 C-Sam, Inc. System and methods for servicing electronic transactions
US6873974B1 (en) 1999-08-17 2005-03-29 Citibank, N.A. System and method for use of distributed electronic wallets
US6575361B1 (en) 1999-08-19 2003-06-10 E-2 Interactive, Inc. System and method for managing stored-value card data
US6501832B1 (en) 1999-08-24 2002-12-31 Microstrategy, Inc. Voice code registration system and method for registering voice codes for voice pages in a voice network access provider system
AU6801600A (en) 1999-08-26 2001-03-19 Gamut Interactive, Inc. Smart card database
US7505941B2 (en) 1999-08-31 2009-03-17 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions using biometrics
USD442629S1 (en) 1999-09-01 2001-05-22 American Express Travel Related Services Company, Inc. Card with an ornamental rectangle
USD442627S1 (en) 1999-09-01 2001-05-22 American Express Travel Related Services Company, Inc. Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip
AU7346800A (en) 1999-09-02 2001-03-26 Automated Business Companies Communication and proximity authorization systems
US6581839B1 (en) 1999-09-07 2003-06-24 American Express Travel Related Services Company, Inc. Transaction card
US7070112B2 (en) 1999-09-07 2006-07-04 American Express Travel Related Services Company, Inc. Transparent transaction device
US7213764B2 (en) 2002-11-07 2007-05-08 American Express Travel Related Services Company, Inc. Foldable transaction card
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US6749123B2 (en) 1999-09-07 2004-06-15 American Express Travel Related Services Company, Inc. Transaction card
US6764014B2 (en) 1999-09-07 2004-07-20 American Express Travel Related Services Company, Inc. Transaction card
US7306158B2 (en) 2001-07-10 2007-12-11 American Express Travel Related Services Company, Inc. Clear contactless card
US7093767B2 (en) 1999-09-07 2006-08-22 American Express Travel Related Services Company, Inc. System and method for manufacturing a punch-out RFID transaction device
US7239226B2 (en) 2001-07-10 2007-07-03 American Express Travel Related Services Company, Inc. System and method for payment using radio frequency identification in contact and contactless transactions
US6608551B1 (en) 1999-09-13 2003-08-19 Intermec Ip Corp Low-cost radio replacement utilizing RFID technology
US7047419B2 (en) 1999-09-17 2006-05-16 Pen-One Inc. Data security system
US6970583B2 (en) 2000-05-25 2005-11-29 Black Gerald R Identity authentication device
US6925565B2 (en) 2001-05-25 2005-08-02 Pen-One, Inc Pen-based transponder identity verification system
US7391865B2 (en) 1999-09-20 2008-06-24 Security First Corporation Secure data parser method and system
US6286763B1 (en) * 1999-09-21 2001-09-11 Intermac Ip Corp. Method and apparatus to automatically search data carriers, such as RFID tags and machine-readable symbols
US6318636B1 (en) * 1999-09-21 2001-11-20 Intermec Ip Corp. Method and apparatus to read different types of data carriers, such RFID tags and machine-readable symbols, and a user interface for the same
JP2001160105A (ja) 1999-09-22 2001-06-12 Sony Corp 情報処理システム、携帯電話機及び情報処理方法
JP2001092786A (ja) 1999-09-24 2001-04-06 Mizobe Tatsuji 携帯個人認証装置及び同装置によりアクセスが許可される電子システム
US7080037B2 (en) 1999-09-28 2006-07-18 Chameleon Network Inc. Portable electronic authorization system and method
US7340439B2 (en) 1999-09-28 2008-03-04 Chameleon Network Inc. Portable electronic authorization system and method
US6296188B1 (en) 1999-10-01 2001-10-02 Perfect Plastic Printing Corporation Transparent/translucent financial transaction card including an infrared light filter
US6290137B1 (en) 1999-10-01 2001-09-18 Perfect Plastic Printing Corporation Transparent/translucent financial transaction card including an infrared light filter
US20020095389A1 (en) 1999-10-05 2002-07-18 Gaines Robert Vallee Method, apparatus and system for identity authentication
US6681328B1 (en) 1999-10-08 2004-01-20 Mastercard International Incorporated System and method for global internet digital identification
GB9923804D0 (en) 1999-10-08 1999-12-08 Hewlett Packard Co Electronic commerce system
US6394343B1 (en) 1999-10-14 2002-05-28 Jon N. Berg System for card to card transfer of monetary values
ATE244430T1 (de) 1999-10-15 2003-07-15 Ajit K Zacharias Sicheres kartensystem für vielfachanwendung
US6704039B2 (en) 1999-10-16 2004-03-09 Martin Rangel Pena Method and system for computer-aided telecommunication and financial transactions
DE19950524A1 (de) 1999-10-20 2001-04-26 Philips Corp Intellectual Pty Chipkarte
US6853987B1 (en) 1999-10-27 2005-02-08 Zixit Corporation Centralized authorization and fraud-prevention system for network-based transactions
US6332134B1 (en) 1999-11-01 2001-12-18 Chuck Foster Financial transaction system
JP2001134536A (ja) 1999-11-05 2001-05-18 Soriton Syst:Kk 個人認証識別方式
US6491639B1 (en) 1999-11-10 2002-12-10 Pacesetter, Inc. Extravascular hemodynamic sensor
US6325285B1 (en) 1999-11-12 2001-12-04 At&T Corp. Smart card with integrated fingerprint reader
IT1311360B1 (it) 1999-11-15 2002-03-12 Smartel S P A Carta intelligente multifunzionale.
US6315206B1 (en) 1999-11-24 2001-11-13 Barry Fiala, Inc. Wallet card package
FR2801709B1 (fr) 1999-11-29 2002-02-15 A S K Carte a puce sans contact ou hybride contact-sans contact permettant de limiter les risques de fraude
FR2801707B1 (fr) 1999-11-29 2002-02-15 A S K Procede de fabrication d'une carte a puce hybride contact- sans contact avec un support d'antenne en materiau fibreux
CA2392229C (en) 1999-11-30 2016-08-30 Transforming Technologies, Inc. Methods, systems, and apparatuses for secure interactions
JP2001222632A (ja) 1999-11-30 2001-08-17 Teraoka Seiko Co Ltd 電子棚札システム
US6529880B1 (en) 1999-12-01 2003-03-04 Intermec Ip Corp. Automatic payment system for a plurality of remote merchants
US6184788B1 (en) 1999-12-03 2001-02-06 Raymond Bradley Middlemiss Electronic missing card alert case
JP2001167054A (ja) 1999-12-09 2001-06-22 Casio Comput Co Ltd 携帯情報機器、認証装置及び認証システム
WO2001042965A1 (en) 1999-12-10 2001-06-14 Auripay, Inc. Method and apparatus for improved financial instrument processing
JP2001167242A (ja) 1999-12-10 2001-06-22 Sony Corp エンボス加工可能なｉｃカード、その製造方法及びその情報読取確認システム
EP1237091A4 (en) 1999-12-10 2006-08-23 Fujitsu Ltd IDENTITY TESTING SYSTEM AND PORTABLE ELECTRONIC DEVICE, CONTAINING THE PERSONAL IDENTIFICATION FUNCTION USING PHYSICAL INFORMATION
US6980970B2 (en) 1999-12-16 2005-12-27 Debit.Net, Inc. Secure networked transaction system
US6427910B1 (en) 1999-12-17 2002-08-06 International Business Machines Corporation Method for managing and updating overloaded cards
FR2802689B1 (fr) 1999-12-20 2004-08-27 Ordicam Rech Et Dev Procede et dispositif pour le controle horaire du deplacement ou de la position de personnes, d'animaux ou d'objets
US6264106B1 (en) * 1999-12-27 2001-07-24 Symbol Technologies, Inc. Combination bar code scanner/RFID circuit
DE10055602A1 (de) 1999-12-30 2001-07-12 Ibm Problemlose Ausgangskontrolle mit verbesserter Sicherheit
EP1246667B1 (en) 1999-12-30 2005-03-23 Medtronic, Inc. User authentication in medical device systems
US6920560B2 (en) 1999-12-30 2005-07-19 Clyde Riley Wallace, Jr. Secure network user states
EP1113387A3 (en) 1999-12-31 2001-11-21 SCHLUMBERGER Systèmes Smart card having a non-volatile memory with a novel mapping
AU782832C (en) 2000-01-05 2006-04-27 Electronic Finger Print Technologies Limited Method and apparatus for authenticating financial transactions
FR2803675B1 (fr) 2000-01-11 2002-03-29 Sagem Carte a puce avec capteur d'empreintes digitales
US6535726B1 (en) 2000-01-12 2003-03-18 Gilbarco Inc. Cellular telephone-based transaction processing
AU2001230910A1 (en) * 2000-01-13 2001-07-24 Citicorp Development Center, Inc. A method and system for accessing financial information using wireless devices
DE10001929A1 (de) 2000-01-19 2001-08-09 Skidata Ag Berechtigungskontrolleinrichtung
US7172112B2 (en) 2000-01-21 2007-02-06 American Express Travel Related Services Company, Inc. Public/private dual card system and method
US6171138B1 (en) 2000-01-28 2001-01-09 Motorola, Inc. Electrical connector for removable components
US6950540B2 (en) 2000-01-31 2005-09-27 Nec Corporation Fingerprint apparatus and method
EP1124206A1 (de) 2000-02-08 2001-08-16 Infineon Technologies AG Verfahren und Anordnung zur gegenseitigen Authentifizierung zweier Datenverarbeitungseinheiten
US6588673B1 (en) 2000-02-08 2003-07-08 Mist Inc. Method and system providing in-line pre-production data preparation and personalization solutions for smart cards
US6587835B1 (en) 2000-02-09 2003-07-01 G. Victor Treyz Shopping assistance with handheld computing device
US6227424B1 (en) 2000-02-09 2001-05-08 Roegner Deanna Security purse
JP2001222765A (ja) 2000-02-09 2001-08-17 Sony Corp 電子マネー端末装置
WO2001059732A2 (en) 2000-02-10 2001-08-16 Jon Shore Apparatus, systems and methods for wirelessly transacting financial transfers, electronically recordable authorization transfers, and other information transfers
US7003501B2 (en) 2000-02-11 2006-02-21 Maurice Ostroff Method for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites
US7921180B2 (en) 2000-02-18 2011-04-05 Intermec Ip Corp. Method and apparatus for accessing product information using RF tag data
US20010034623A1 (en) 2000-02-23 2001-10-25 Chung Kevin Kwong-Tai Automatic registration system, as for lodging or other application
USD447515S1 (en) 2000-02-24 2001-09-04 American Express Travel Related Services Company, Inc. Card with an ornamental rectangle
JP2001236324A (ja) 2000-02-24 2001-08-31 Fujitsu Ltd バイオメトリクス情報による個人認証機能を有する携帯電子装置
AU2001243319A1 (en) 2000-02-28 2001-09-12 Sprarkcharge, Inc. System, and method for prepaid anonymous and pseudonymous credit card type transactions
US6834270B1 (en) 2000-02-28 2004-12-21 Carlo Pagani Secured financial transaction system using single use codes
US6545549B2 (en) 2000-03-02 2003-04-08 Texas Instruments Incorporated Remotely controllable phase locked loop clock circuit
AU2001243473A1 (en) 2000-03-07 2001-09-17 American Express Travel Related Services Company, Inc. System for facilitating a transaction
US6328341B2 (en) 2000-03-07 2001-12-11 Western Graphics And Data, Inc. Multiple-component data package
AU779316B2 (en) 2000-03-16 2005-01-13 Harex Infotech Inc. Optical payment transceiver and system using the same
AU2001249287A1 (en) 2000-03-21 2001-10-03 Charles M. Leedom Jr. A tiered wireless, multi-modal access system and method
US20040006497A1 (en) 2001-03-22 2004-01-08 Nestor Tod A. Entertainment event ticket purchase and exchange system
US20030001459A1 (en) 2000-03-23 2003-01-02 Cross Match Technologies, Inc. Secure wireless sales transaction using print information to verify a purchaser's identity
US20010049628A1 (en) 2000-03-23 2001-12-06 Robert Icho On-line system for aggregation of purchase bonuses
SE0001056L (sv) 2000-03-24 2001-09-25 Wolf Fernlund Arrangemang och förfarande för att kontrollera en persons identitet
CA2404011A1 (en) 2000-03-24 2001-10-04 Richard F. Rudolph Rfid tag for authentication and identification
US6591249B2 (en) 2000-03-26 2003-07-08 Ron Zoka Touch scan internet credit card verification purchase process
US7725385B2 (en) 2000-03-29 2010-05-25 American Express Travel Related Services Company, Inc. System and method for facilitating the handling of a dispute using disparate architectures
JP2001283122A (ja) 2000-03-31 2001-10-12 Dainippon Printing Co Ltd スマートカードによる取引システムとそれに使用するスマートカード
AU2001249827A1 (en) 2000-04-06 2001-10-23 Brightstreet.Com, Inc. Loyalty and rewards program over distributed network
US6309098B1 (en) 2000-04-07 2001-10-30 Ye Ping Wong Contactless-IC-card receive and read-write mechanism for an on-street parking meter
US20050127164A1 (en) 2002-03-19 2005-06-16 John Wankmueller Method and system for conducting a transaction using a proximity device and an identifier
US7177848B2 (en) 2000-04-11 2007-02-13 Mastercard International Incorporated Method and system for conducting secure payments over a computer network without a pseudo or proxy account number
US7379919B2 (en) 2000-04-11 2008-05-27 Mastercard International Incorporated Method and system for conducting secure payments over a computer network
NO312530B1 (no) 2000-04-13 2002-05-21 Bertil Hogganvik Kortmagasin
US6975725B1 (en) 2000-04-14 2005-12-13 Sony Corporation Method for standardizing the use of ISO 7816 smart cards in conditional access systems
EP1146487A2 (en) 2000-04-14 2001-10-17 Biocentric Solutions, Inc. Optical and smart card identification reader
CA2305249A1 (en) 2000-04-14 2001-10-14 Branko Sarcanin Virtual safe
WO2001082246A2 (en) 2000-04-24 2001-11-01 Visa International Service Association Online payer authentication service
US6853894B1 (en) 2000-04-24 2005-02-08 Usa Technologies, Inc. Global network based vehicle safety and security telematics
US6895310B1 (en) 2000-04-24 2005-05-17 Usa Technologies, Inc. Vehicle related wireless scientific instrumentation telematics
GB0010422D0 (en) 2000-04-28 2000-06-14 Cast Technologies Limited Payment apparatus and method
JP2001312326A (ja) 2000-04-28 2001-11-09 Fujitsu Ltd 携帯電子装置および携帯電子装置用バッテリパック
US20020011519A1 (en) 2000-05-04 2002-01-31 Shults John R. System and method for consumer identification using optical and electronic means
BR0110648A (pt) 2000-05-08 2003-04-01 Checkpoint Systems Inc Sistema de detecção e identificação de radiofrequência
US20030046237A1 (en) 2000-05-09 2003-03-06 James Uberti Method and system for enabling the issuance of biometrically secured online credit or other online payment transactions without tokens
AU2001260830A1 (en) 2000-05-09 2001-11-20 Cadmus Limited Method and apparatus for providing an integrated loyalty system
JP4453162B2 (ja) 2000-05-09 2010-04-21 凸版印刷株式会社 透明磁気カード及びその製造方法
US6915277B1 (en) 2000-05-10 2005-07-05 General Electric Capital Corporation Method for dual credit card system
US6686847B1 (en) 2000-05-12 2004-02-03 Hewlett-Packard Development Company, L.P. Indicator with daylight visibility using a single light emitting diode
TW589855B (en) 2000-05-15 2004-06-01 Ntt Docomo Inc Authentication system and method
US20020013765A1 (en) * 2000-05-23 2002-01-31 Gil Shwartz Intrinsic authorization for electronic transactions
JP2002006061A (ja) 2000-06-19 2002-01-09 Seiko Epson Corp 腕時計用無線装置
FR2809894B1 (fr) 2000-05-31 2002-10-25 France Telecom Procede de cryptographie, microcircuit pour carte a puce et cartes a puce incluant un tel microcircuit
US6745008B1 (en) 2000-06-06 2004-06-01 Battelle Memorial Institute K1-53 Multi-frequency communication system and method
US20010051920A1 (en) * 2000-06-07 2001-12-13 Joao Raymond Anthony Financial transaction and/or wireless communication device authorization, notification and/or security apparatus and method
US7005968B1 (en) 2000-06-07 2006-02-28 Symbol Technologies, Inc. Wireless locating and tracking systems
US6483929B1 (en) 2000-06-08 2002-11-19 Tarian Llc Method and apparatus for histological and physiological biometric operation and authentication
US6505772B1 (en) 2000-06-22 2003-01-14 First Data Corporation System for utilizing a single card to provide multiple services in an open network environment
US6609655B1 (en) 2000-06-26 2003-08-26 Martha F. Harrell Smart card system for providing financial, travel, and entertainment-related services
AU775854B2 (en) 2000-07-04 2004-08-19 Credipass Co., Ltd. Passive transponder identification system and credit-card type transponder
USD453160S1 (en) 2001-05-11 2002-01-29 Bank Of America Corporation Data card
USD454910S1 (en) 2000-07-06 2002-03-26 Mci Worldcom, Inc. Card with keytag
US6471127B2 (en) 2000-07-06 2002-10-29 Bank Of America Corporation Data card
USD453516S1 (en) 2001-05-11 2002-02-12 Bank Of America Corporation Data card
USD460455S1 (en) 2001-05-11 2002-07-16 Bank Of America Corporation Data card
USD453338S1 (en) 2001-05-11 2002-02-05 Bank Of America Corporation Data card
JP4154836B2 (ja) 2000-07-06 2008-09-24 富士電機リテイルシステムズ株式会社 情報記録カードを用いた取引装置
US20030222153A1 (en) 2000-07-06 2003-12-04 Jamily Pentz Data card
USD453161S1 (en) 2001-05-11 2002-01-29 Bank Of America Corporation Data card
USD453337S1 (en) 2001-05-11 2002-02-05 Bank Of America Corporation Data card
USD462965S1 (en) 2001-05-11 2002-09-17 Bank Of America Corporation Data card
USD461477S1 (en) 2001-05-11 2002-08-13 Bank Of America Corporation Data card
DE60138386D1 (de) 2000-07-07 2009-05-28 Gemalto Sa Durchsichtige datenkarte
GB2364580A (en) 2000-07-07 2002-01-30 Ibm Error detection mechanisms in spreadsheet packages
JP4501241B2 (ja) 2000-07-10 2010-07-14 ソニー株式会社 Ｉｃカード及びｉｃカードのデータ通信方法
US20020043566A1 (en) 2000-07-14 2002-04-18 Alan Goodman Transaction card and method for reducing frauds
US7131574B1 (en) 2000-07-19 2006-11-07 Lasercard Corporation Optical memory card based e-commerce business method
AU2001277084A1 (en) 2000-07-21 2002-02-05 Dresser, Inc. Wireless communication in a retail refueling environment
US7049962B2 (en) 2000-07-28 2006-05-23 Micoh Corporation Materials and construction for a tamper indicating radio frequency identification label
WO2002011019A1 (en) 2000-08-01 2002-02-07 First Usa Bank, N.A. System and method for transponder-enabled account transactions
KR100384948B1 (ko) 2000-08-03 2003-05-22 구홍식 지문인식 전자카드키, 도어개폐장치와 전자카드키 관리시스템 및 그를 이용한 출입통제방법
US6978369B2 (en) 2000-08-04 2005-12-20 First Data Corporation Person-centric account-based digital signature system
US20020052843A1 (en) 2000-08-04 2002-05-02 Canon Eduardo Gomez Smart card for and method of executing transactions
US6460696B1 (en) 2000-08-17 2002-10-08 Richard J. Meyer Credit card holder with cards forming enclosing surfaces
US20020026419A1 (en) 2000-08-24 2002-02-28 Sony Electronics, Inc. Apparatus and method for populating a portable smart device
US6466804B1 (en) 2000-08-25 2002-10-15 Motorola, Inc. Method and apparatus for remote multiple access to subscriber identity module
WO2002019124A1 (fr) 2000-08-30 2002-03-07 Matsushita Electric Industrial Co.,Ltd. Systeme d'authentification, dispositif de demande d'authentification, dispositif de validation et support de services
US7103575B1 (en) 2000-08-31 2006-09-05 International Business Machines Corporation Enabling use of smart cards by consumer devices for internet commerce
US20020028704A1 (en) * 2000-09-05 2002-03-07 Bloomfield Mark E. Information gathering and personalization techniques
EP1325441A4 (en) 2000-09-12 2007-08-15 Canon Kk SYSTEM FOR CARD-BASED SERVICE ACCESS
US20020128977A1 (en) 2000-09-12 2002-09-12 Anant Nambiar Microchip-enabled online transaction system
DE10045736A1 (de) 2000-09-15 2002-04-18 Mario Witte Verfahren und Vorrichtung zum Anlegen von Reihen- und Gruppenkulturen
US6990480B1 (en) 2000-09-18 2006-01-24 Trancept Limited Information manager method and system
AU2001293304A1 (en) 2000-09-19 2002-04-02 Nanopierce Technologies, Inc. Method for assembling components and antennae in radio frequency identification devices
EP1192914A1 (en) 2000-09-27 2002-04-03 Clearpac Limited Container for sharp instruments
US7774231B2 (en) 2000-09-29 2010-08-10 Nokia Corporation Electronic payment methods for a mobile device
US20020074398A1 (en) 2000-09-29 2002-06-20 Lancos Kenneth J. System and method for making monetary transactions within a coverage area
US6588660B1 (en) 2000-09-29 2003-07-08 Hewlett-Packard Development Company, L.P. Passive contactless smartcard security system
JP3524483B2 (ja) 2000-10-03 2004-05-10 東日本旅客鉄道株式会社 ストアドフェアのチャージ方法およびそのシステム
WO2002029741A2 (en) 2000-10-03 2002-04-11 Zingher Joseph P Biometric system and method for detecting duress transactions
US6601759B2 (en) 2000-10-04 2003-08-05 American Express Travel Related Services System and method for providing feedback in an interactive payment system
US6824066B2 (en) 2000-10-06 2004-11-30 Leon H. Weyant Electronic access security key card pamphlet
US7292996B2 (en) 2000-10-06 2007-11-06 Openwave Systems Inc. Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service
CA2322602A1 (en) 2000-10-06 2002-04-06 Ibm Canada Limited-Ibm Canada Limitee System and method for generating a contract and conducting contractual activities under the contract
US8924267B1 (en) 2000-10-10 2014-12-30 Gilbarco Inc. Remote payment account relational system and method for retail devices
US6814375B2 (en) 2000-10-10 2004-11-09 Relizon Canada Integrated plasticized card in a paper carrier and method of manufacture
US6883715B1 (en) 2000-10-11 2005-04-26 Stmicroelectronics, Inc. Multi-mode smart card, system and associated methods
US6819219B1 (en) 2000-10-13 2004-11-16 International Business Machines Corporation Method for biometric-based authentication in wireless communication for access control
US20020183882A1 (en) 2000-10-20 2002-12-05 Michael Dearing RF point of sale and delivery method and system using communication with remote computer and having features to read a large number of RF tags
JP2002133335A (ja) 2000-10-20 2002-05-10 Omron Corp 電子決済システムおよび電子決済方法
JP2002140769A (ja) 2000-11-02 2002-05-17 Yozan Inc 代金徴収方法
US8103881B2 (en) 2000-11-06 2012-01-24 Innovation Connection Corporation System, method and apparatus for electronic ticketing
US8015592B2 (en) 2002-03-28 2011-09-06 Innovation Connection Corporation System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe
KR20010025234A (ko) 2000-11-09 2001-04-06 김진삼 지문정보를 이용한 카드거래 인증방법 및 그 시스템
US6339384B1 (en) 2000-11-13 2002-01-15 Robert Valdes-Rodriguez Toll booth credit device
US20020097142A1 (en) 2000-11-13 2002-07-25 Janiak Martin J. Biometric authentication device for use with token fingerprint data storage
WO2002046857A2 (en) * 2000-11-17 2002-06-13 Trimble Bradley G Object locating system employing rf signaling
JP2002157530A (ja) 2000-11-17 2002-05-31 Nec Fielding Ltd 電子商取引における、プリペイドカードを利用した決済方法及びシステム
US7318049B2 (en) 2000-11-17 2008-01-08 Gregory Fx Iannacci System and method for an automated benefit recognition, acquisition, value exchange, and transaction settlement system using multivariable linear and nonlinear modeling
US6944402B1 (en) 2000-11-18 2005-09-13 Tribeam Technologies, Inc. Extended range infrared communication (ERIC) for an infrared associated (IrDA) compliant portable device
EP1336143B1 (en) 2000-11-20 2004-06-09 BRITISH TELECOMMUNICATIONS public limited company Information provider
JP2002157491A (ja) 2000-11-20 2002-05-31 Toyota Motor Corp 特典サービスシステム、それに用いられる記録媒体及び特典サービス方法
US6877665B2 (en) * 2000-11-20 2005-04-12 Ecrio, Inc. System, method, and apparatus for communicating information encoded in a light-based signal using a fob device
US7253717B2 (en) 2000-11-29 2007-08-07 Mobile Technics Llc Method and system for communicating with and tracking RFID transponders
US20020065716A1 (en) 2000-11-30 2002-05-30 Kuschill James E. Methods and system for processing loyalty transactions
US6763500B2 (en) 2000-12-01 2004-07-13 Microsoft Corporation Real-time-on-demand dynamic document generation
US6820804B2 (en) 2000-12-05 2004-11-23 Interlink Electronics, Inc. Method and system for performing a purchase transaction using a remote control and a television
US6631849B2 (en) 2000-12-06 2003-10-14 Bank One, Delaware, National Association Selectable multi-purpose card
US6950939B2 (en) 2000-12-08 2005-09-27 Sony Corporation Personal transaction device with secure storage on a removable memory device
USD457556S1 (en) 2000-12-08 2002-05-21 Discover Financial Services, Inc. Credit card
US7290364B2 (en) 2000-12-08 2007-11-06 Discover Financial Services Llc Non-rectangular shaped credit card with case
US20020073025A1 (en) 2000-12-08 2002-06-13 Tanner Robert G. Virtual experience of a mobile device
US6377034B1 (en) 2000-12-11 2002-04-23 Texas Instruments Incorporated Method and circuits for inductor current measurement in MOS switching regulators
US6523292B2 (en) 2000-12-14 2003-02-25 Brenda L. Slavik Clip card
US20020077895A1 (en) * 2000-12-18 2002-06-20 Steve Howell Electronic consumer incentive distribution system
AU2002237736A1 (en) 2000-12-21 2002-07-01 Oscar M. Bassinson Personal medication dispensing card
US6563474B2 (en) 2000-12-21 2003-05-13 Lear Corporation Remote access device having multiple inductive coil antenna
US20040190688A1 (en) 2003-03-31 2004-09-30 Timmins Timothy A. Communications methods and systems using voiceprints
US6407680B1 (en) * 2000-12-22 2002-06-18 Generic Media, Inc. Distributed on-demand media transcoding system and method
US20020079367A1 (en) 2000-12-27 2002-06-27 Montani John J. Method and apparatus for operating a self-service checkout terminal to access a customer account
US6867683B2 (en) 2000-12-28 2005-03-15 Unisys Corporation High security identification system for entry to multiple zones
US6952156B2 (en) * 2000-12-28 2005-10-04 Cnh America Llc Transponder communication and control system for a vehicle
US6629591B1 (en) 2001-01-12 2003-10-07 Igt Smart token
US20020095588A1 (en) 2001-01-12 2002-07-18 Satoshi Shigematsu Authentication token and authentication system
US20020095343A1 (en) 2001-01-12 2002-07-18 Barton Steven P. Apparatus and method for providing point of purchase products
KR100905142B1 (ko) 2001-01-15 2009-06-29 쓰리엠 이노베이티브 프로퍼티즈 컴파니 가시 파장 영역에서의 높고 평활한 투과율을 가진 다층적외선 반사 필름 및 그로부터 제조된 라미네이트 제품
US6372974B1 (en) * 2001-01-16 2002-04-16 Intel Corporation Method and apparatus for sharing music content between devices
US6871062B2 (en) 2001-01-16 2005-03-22 Idt Corporation “Calling party pays” cellular and prepaid platforms for cellular calling systems
US20020095587A1 (en) 2001-01-17 2002-07-18 International Business Machines Corporation Smart card with integrated biometric sensor
US6968453B2 (en) 2001-01-17 2005-11-22 International Business Machines Corporation Secure integrated device with secure, dynamically-selectable capabilities
US6466126B2 (en) 2001-01-19 2002-10-15 Motorola, Inc. Portable data device efficiently utilizing its available power and method thereof
US20020107742A1 (en) 2001-02-02 2002-08-08 Magill J. Breck System for and method of transacting non-fuel purchases using an island transaction terminal
US6429776B1 (en) 2001-02-07 2002-08-06 Sensormatic Electronics Corporation RFID reader with integrated display for use in a product tag system
JP3859450B2 (ja) 2001-02-07 2006-12-20 富士通株式会社 秘密情報管理システムおよび情報端末
US20020141621A1 (en) 2001-02-09 2002-10-03 Lane William F. Self-authenticating identification substrate with encoded packet output
US20020112177A1 (en) 2001-02-12 2002-08-15 Voltmer William H. Anonymous biometric authentication
AU2002255535A1 (en) 2001-02-12 2002-08-28 Stockback Holdings, Inc. Customer loyalty programs and systems and methods for such programs
JP4037269B2 (ja) 2001-02-12 2008-01-23 シンボル テクノロジーズ インコーポレイテッド 無線周波数識別アーキテクチャ
GB0103452D0 (en) 2001-02-13 2001-03-28 Williams Stuart Identification system
US20020111210A1 (en) * 2001-02-15 2002-08-15 Luciano Robert Anthony Anonymous player identifiers in a gaming environment
US20020109580A1 (en) * 2001-02-15 2002-08-15 Shreve Gregory A. Wireless universal personal access system
DE10107373A1 (de) 2001-02-16 2002-08-29 Infineon Technologies Ag Sicherheitsmodul mit flüchtigem Speicher zur Speicherung eines Algorithmuscodes
US7000834B2 (en) * 2001-02-21 2006-02-21 International Business Machines Corporation Method to address security and privacy issue of the use of RFID systems to track consumer products
SE0100598L (sv) 2001-02-22 2002-08-23 Flink Administration Ab Anläggning för genomförande av betalningsuppdrag
US20020138438A1 (en) 2001-02-23 2002-09-26 Biometric Security Card, Inc. Biometric identification system using biometric images and copy protect code stored on a magnetic stripe and associated methods
US20020196963A1 (en) 2001-02-23 2002-12-26 Biometric Security Card, Inc. Biometric identification system using a magnetic stripe and associated methods
US6959874B2 (en) 2001-02-23 2005-11-01 Bardwell William E Biometric identification system using biometric images and personal identification number stored on a magnetic stripe and associated methods
JP2004532448A (ja) 2001-02-27 2004-10-21 ビザ・インターナショナル・サービス・アソシエーション 分散化された量子暗号化されたパターン生成およびスコアリング
GB2372865B (en) 2001-03-02 2004-06-16 Nokia Mobile Phones Ltd Electronic transactions
US7188362B2 (en) 2001-03-09 2007-03-06 Pascal Brandys System and method of user and data verification
US6915279B2 (en) 2001-03-09 2005-07-05 Mastercard International Incorporated System and method for conducting secure payment transactions
US6480100B1 (en) * 2001-03-09 2002-11-12 Sat Corporation Radio frequency identification tag formatting method
WO2002073512A1 (en) 2001-03-13 2002-09-19 3M Innovative Properties Company Radio frequency identification reader with removable media
US7424618B2 (en) 2001-03-14 2008-09-09 Paladin Electronic Services, Inc. Biometric access control and time and attendance network including configurable system-on-chip (CSOC) processors with embedded programmable logic
US7292999B2 (en) 2001-03-15 2007-11-06 American Express Travel Related Services Company, Inc. Online card present transaction
JP2002274087A (ja) 2001-03-15 2002-09-25 Dainippon Printing Co Ltd 透明カード
US20020131567A1 (en) 2001-03-16 2002-09-19 Maginas Stephen Paul Device and method for repetitive communication of messages
US6623039B2 (en) 2001-03-19 2003-09-23 Kenneth Thompson Multi-purpose card
US6520542B2 (en) 2001-03-19 2003-02-18 Kenneth Thompson Promotional two-piece in one postcard housing an integral coupon card
US7676426B2 (en) 2001-03-20 2010-03-09 Goldman Sachs & Co. Biometric risk management
US6877097B2 (en) 2001-03-21 2005-04-05 Activcard, Inc. Security access method and apparatus
US9219708B2 (en) 2001-03-22 2015-12-22 DialwareInc. Method and system for remotely authenticating identification devices
US6760581B2 (en) 2001-03-26 2004-07-06 International Business Machines Corporation System and method for improved mobile phone functionality
US6491217B2 (en) 2001-03-31 2002-12-10 Koninklijke Philips Electronics N.V. Machine readable label reader system with versatile response selection
US6850147B2 (en) * 2001-04-02 2005-02-01 Mikos, Ltd. Personal biometric key
US20020147600A1 (en) 2001-04-05 2002-10-10 Ncr Corporation System and method for implementing financial transactions using biometric keyed data
US20020145037A1 (en) 2001-04-09 2002-10-10 Goodwin John C. Item processing device with barcode reader and integrated RFID interrogator
US20020147913A1 (en) 2001-04-09 2002-10-10 Lun Yip William Wai Tamper-proof mobile commerce system
US20040177045A1 (en) 2001-04-17 2004-09-09 Brown Kerry Dennis Three-legacy mode payment card with parametric authentication and data input elements
US6914517B2 (en) 2001-04-17 2005-07-05 Dalton Patrick Enterprises, Inc. Fingerprint sensor with feature authentication
AU2002258852A1 (en) 2001-04-18 2002-11-05 United States Postal Service Apparatus and methods for a united states postal service smart card system
US20020153424A1 (en) 2001-04-19 2002-10-24 Chuan Li Method and apparatus of secure credit card transaction
US20020153410A1 (en) 2001-04-19 2002-10-24 Wayne Santini Prepaid cellular phone easy activation model
US6671358B1 (en) 2001-04-25 2003-12-30 Universal Identity Technologies, Inc. Method and system for rewarding use of a universal identifier, and/or conducting a financial transaction
US6816058B2 (en) 2001-04-26 2004-11-09 Mcgregor Christopher M Bio-metric smart card, bio-metric smart card reader and method of use
US6869013B2 (en) 2001-05-04 2005-03-22 Outsite Networks, Inc. Systems and methods for the identification and displaying of information
US20020163421A1 (en) 2001-05-07 2002-11-07 Po-Tong Wang Personal fingerprint authentication method of bank card and credit card
EP1257106B1 (en) 2001-05-08 2005-03-23 Telefonaktiebolaget LM Ericsson (publ) Secure remote subscription module access
US20020169673A1 (en) 2001-05-11 2002-11-14 International Business Machines Corporation Point of sale enhanced manager/operator override system
US20020178124A1 (en) 2001-05-22 2002-11-28 Lewis Shawn Michael Credit card verification system
US7003497B2 (en) 2001-05-23 2006-02-21 International Business Machines Corporation System and method for confirming electronic transactions
US20020178063A1 (en) 2001-05-25 2002-11-28 Kelly Gravelle Community concept for payment using RF ID transponders
US20020176522A1 (en) 2001-05-25 2002-11-28 Koninklijke Phillips Electronics N.V. Quadrature envelope-sampling of intermediate frequency signal in receiver
US7542942B2 (en) 2001-07-10 2009-06-02 American Express Travel Related Services Company, Inc. System and method for securing sensitive information during completion of a transaction
US7401049B2 (en) 2001-05-29 2008-07-15 American Express Travel Related Services Company, Inc. System and method for a prepaid card issued by a foreign financial institution
US20020194303A1 (en) 2001-05-29 2002-12-19 Nokia Corporation Portable shopping assistant
EP1265202A1 (en) 2001-06-04 2002-12-11 Orbis Patents Limited Business-to-business commerce using financial transaction numbers
US20020179704A1 (en) 2001-06-05 2002-12-05 Ncr Corporation Enhanced digital wallet
US6507279B2 (en) 2001-06-06 2003-01-14 Sensormatic Electronics Corporation Complete integrated self-checkout system and method
US7588185B2 (en) 2001-06-07 2009-09-15 3M Innovative Properties Company RFID data collection and use
JP2003085149A (ja) 2001-06-07 2003-03-20 Systemneeds Inc 指紋認証装置及び認証システム
US7003670B2 (en) 2001-06-08 2006-02-21 Musicrypt, Inc. Biometric rights management system
US20020188501A1 (en) 2001-06-11 2002-12-12 David Lefkowith Method and system for providing rebates to automobile owners based on purchases made at participating retailer locations
WO2002101512A2 (en) 2001-06-12 2002-12-19 Paytronix Systems, Inc. Customer identification, loyalty and merchant payment gateway system
FR2826153B1 (fr) 2001-06-14 2004-05-28 A S K Procede de connexion d'une puce a une antenne d'un dispositif d'identification par radio-frequence du type carte a puce sans contact
US6626356B2 (en) 2001-06-14 2003-09-30 General Electric Company Multi-use credit card for financial transactions and vehicle configuration
US7478068B2 (en) 2001-06-14 2009-01-13 Sony Corporation System and method of selecting consumer profile and account information via biometric identifiers
US6601762B2 (en) 2001-06-15 2003-08-05 Koninklijke Philips Electronics N.V. Point-of-sale (POS) voice authentication transaction system
US6823910B1 (en) 2001-06-15 2004-11-30 Alex Elnekaveh Money clip and card holder
US6457996B1 (en) 2001-06-22 2002-10-01 Jess-Link Products Co., Ltd. Connector to PDA external keyboard
KR20030000942A (ko) 2001-06-27 2003-01-06 이명기 인증기능이 강화된 전자결제장치 및 방법과 이를 채용한자동판매장치
CA2403300A1 (en) 2002-09-12 2004-03-12 Pranil Ram A method of buying or selling items and a user interface to facilitate the same
US6834795B1 (en) 2001-06-29 2004-12-28 Sun Microsystems, Inc. Secure user authentication to computing resource via smart card
US7383224B2 (en) 2001-06-29 2008-06-03 Capital One Financial Corporation Systems and methods for processing credit card transactions that exceed a credit limit
US7237121B2 (en) 2001-09-17 2007-06-26 Texas Instruments Incorporated Secure bootloader for securing digital devices
US20040233039A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. System for registering a biometric for use with a transponder
US7360689B2 (en) 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
US7303120B2 (en) 2001-07-10 2007-12-04 American Express Travel Related Services Company, Inc. System for biometric security using a FOB
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US8284025B2 (en) 2001-07-10 2012-10-09 Xatra Fund Mx, Llc Method and system for auditory recognition biometrics on a FOB
US7762457B2 (en) 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US20040236700A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for keystroke scan recognition biometrics on a fob
US8960535B2 (en) 2001-07-10 2015-02-24 Iii Holdings 1, Llc Method and system for resource management and evaluation
US20040236699A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US20060237528A1 (en) 2001-07-10 2006-10-26 Fred Bishop Systems and methods for non-traditional payment
US20050033687A1 (en) 2001-07-10 2005-02-10 American Express Travel Related Services Company, Inc. Method and system for auditory emissions recognition biometrics on a fob
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US7121471B2 (en) 2001-07-10 2006-10-17 American Express Travel Related Services Company, Inc. Method and system for DNA recognition biometrics on a fob
US7154375B2 (en) 2001-07-10 2006-12-26 American Express Travel Related Services Company, Inc. Biometric safeguard method with a fob
US20040232224A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method for registering biometric for use with a fob
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US20040239480A1 (en) 2001-07-10 2004-12-02 American Express Travel Related Services Company, Inc. Method for biometric security using a transponder
US7119659B2 (en) 2001-07-10 2006-10-10 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device for use in a private label transaction
US20030014357A1 (en) 2001-07-16 2003-01-16 General Motors Corporation Method and system for conducting user defined mobile commerce
US20030014307A1 (en) 2001-07-16 2003-01-16 General Motors Corporation Method and system for mobile commerce advertising
US6669086B2 (en) 2001-07-23 2003-12-30 Faisal H. Abdi Self service check cashing system and method
US20030018532A1 (en) 2001-07-23 2003-01-23 General Motors Corporation Method and device for conducting mobile commerce
US7184747B2 (en) 2001-07-25 2007-02-27 Ncr Corporation System and method for implementing financial transactions using cellular telephone data
KR100505187B1 (ko) 2001-08-08 2005-08-04 오므론 가부시키가이샤 인증장치, 인증방법 및 인물 등록방법
JP2003058889A (ja) 2001-08-10 2003-02-28 S Stuff:Kk 個人識別方法及び個人識別装置
US6945453B1 (en) 2001-08-13 2005-09-20 Bank One Delaware N.A. System and method for funding a collective account by use of an electronic tag
JP4602606B2 (ja) 2001-08-15 2010-12-22 ソニー株式会社 認証処理システム、認証処理方法、および認証デバイス、並びにコンピュータ・プログラム
US20030033697A1 (en) 2001-08-16 2003-02-20 Hicks Bryan K. Buckle lanyard connector and system
USD474234S1 (en) 2001-08-16 2003-05-06 Discover Financial Services, Inc. Credit card and case
US20030046228A1 (en) 2001-08-28 2003-03-06 Jean-Marc Berney User-wearable functional jewelry with biometrics and smartcard to remotely sign and/or authenticate to e-services
US6848622B2 (en) 2001-09-05 2005-02-01 Sony Corporation Plastic card
EP1428102A4 (en) 2001-09-06 2009-08-26 Mastercard International Inc METHOD AND DEVICE FOR CONSUMERS TO CONTROL ACCESS TO THEIR PERSONAL DATA
US6752272B2 (en) 2001-09-13 2004-06-22 Mead Westvaco Corporation Unit dose packaging system with exterior pocket feature
US6811082B2 (en) 2001-09-18 2004-11-02 Jacob Y. Wong Advanced magnetic stripe bridge (AMSB)
US20030055727A1 (en) 2001-09-18 2003-03-20 Walker Jay S. Method and apparatus for facilitating the provision of a benefit to a customer of a retailer
US7103576B2 (en) 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
US20030177102A1 (en) 2001-09-21 2003-09-18 Timothy Robinson System and method for biometric authorization for age verification
US7269737B2 (en) 2001-09-21 2007-09-11 Pay By Touch Checking Resources, Inc. System and method for biometric authorization for financial transactions
US6695166B2 (en) 2001-09-26 2004-02-24 Vending Management Services, Ltd. Vending machine inventory system and method
AU2002334708A1 (en) 2001-10-01 2003-04-14 Kline And Walker, Llc Pfn/trac system faa upgrades for accountable remote and robotics control
US20030069828A1 (en) 2001-10-04 2003-04-10 Eastman Kodak Company System for and managing assets using priority tokens
US6859672B2 (en) 2001-10-04 2005-02-22 Cryovac, Inc. Method of linking a food source with a food product
AU2002347822B2 (en) 2001-10-05 2008-07-24 Mastercard International Incorporated System and method for integrated circuit card data storage
US7996318B2 (en) 2001-10-09 2011-08-09 Robert Victor Marcon Multi-function electronic transaction card
US20030074317A1 (en) 2001-10-15 2003-04-17 Eyal Hofi Device, method and system for authorizing transactions
US20060095369A1 (en) 2001-10-15 2006-05-04 Eyal Hofi Device, method and system for authorizing transactions
US6766952B2 (en) 2001-11-06 2004-07-27 Quadnovation, Inc. SIM card carrier
US6934861B2 (en) 2001-11-06 2005-08-23 Crosscheck Identification Systems International, Inc. National identification card system and biometric identity verification method for negotiating transactions
US20030123714A1 (en) 2001-11-06 2003-07-03 O'gorman Lawrence Method and system for capturing fingerprints from multiple swipe images
US6681926B2 (en) 2001-11-07 2004-01-27 Devolpi Dean R. Integral keyboard and storage organizer
US20050212657A1 (en) 2001-11-07 2005-09-29 Rudy Simon Identity verification system with self-authenticating card
US20030086591A1 (en) 2001-11-07 2003-05-08 Rudy Simon Identity card and tracking system
US6644551B2 (en) 2001-11-09 2003-11-11 G + D Cardtech, Inc. Card
JP4271576B2 (ja) 2001-11-19 2009-06-03 エル．バーチェット ジュニア ロバート 不正使用を防ぐ安全性を備えるトランザクションカードシステム
WO2003046777A2 (en) 2001-11-26 2003-06-05 Ball, Ronald, H. Portable messaging device adapted to perform financial transactions
US6830193B2 (en) 2001-11-29 2004-12-14 Matsushita Electric Industrial Co., Ltd. Non-contact IC card
US6857566B2 (en) 2001-12-06 2005-02-22 Mastercard International Method and system for conducting transactions using a payment card with two technologies
US7805376B2 (en) 2002-06-14 2010-09-28 American Express Travel Related Services Company, Inc. Methods and apparatus for facilitating a transaction
US20030112972A1 (en) 2001-12-18 2003-06-19 Hattick John B. Data carrier for the secure transmission of information and method thereof
DK1456810T3 (da) 2001-12-18 2011-07-18 L 1 Secure Credentialing Inc Multiple billedsikkerhedstræk til at identificere dokumenter og fremgangsmåder til fremstilling deraf
US6601622B1 (en) 2001-12-18 2003-08-05 Tbac Investment Trust Personal accessory with quick-access
WO2003054806A2 (en) 2001-12-19 2003-07-03 Id Technologies Corporation System and method for biometric-based fraud protection
US20030120626A1 (en) 2001-12-20 2003-06-26 Koninklijke Philips Electronics N.V. Voice-enabled, consumer transaction system
US7929951B2 (en) 2001-12-20 2011-04-19 Stevens Lawrence A Systems and methods for storage of user information and for verifying user identity
US6675093B1 (en) 2001-12-21 2004-01-06 Garmin Ltd. Systems, functional data, and methods for generating a route
CA2469956C (en) 2001-12-24 2009-01-27 Digimarc Id Systems, Llc Contact smart cards having a document core, contactless smart cards including multi-layered structure, pet-based identification document, and methods of making same
US7051932B2 (en) 2001-12-26 2006-05-30 Vivotech, Inc. Adaptor for magnetic stripe card reader
WO2003058391A2 (en) 2001-12-26 2003-07-17 Vivotech, Inc. Wireless network micropayment financial transaction processing
US20030124294A1 (en) 2001-12-28 2003-07-03 Hodson Jay D. Scored package and a method of making the same
US20030122120A1 (en) 2001-12-28 2003-07-03 Motorola, Inc. Organic semiconductor device and method
US7137553B2 (en) 2001-12-31 2006-11-21 Digital Data Research Company Security clearance card, system and method of reading a security clearance card
US20030225623A1 (en) 2002-01-04 2003-12-04 John Wankmueller Method and system for conducting transactions using a payment card with account information encoded in bar code
US20030130820A1 (en) 2002-01-07 2003-07-10 Lane George H. Work order system
US6843415B2 (en) 2002-01-11 2005-01-18 Sap Atkiengesellschaft Event-based communication in a distributed item tracking system
US7121470B2 (en) 2002-01-11 2006-10-17 Hand Held Products, Inc. Transaction terminal having elongated finger recess
US7451917B2 (en) 2002-01-11 2008-11-18 Hand Held Products, Inc. Transaction terminal comprising imaging module
US20030132132A1 (en) 2002-01-16 2003-07-17 Small George H Retractable identification holder and methods of using same
US7069444B2 (en) 2002-01-25 2006-06-27 Brent A. Lowensohn Portable wireless access to computer-based systems
US20030153356A1 (en) 2002-01-28 2003-08-14 Shih-Yuan Liu Mobile phone for multiple SIM cards
US7155035B2 (en) 2002-02-05 2006-12-26 Matsushita Electric Industrial Co., Ltd. Personal authentication method, personal authentication apparatus and image capturing device
US6883709B2 (en) 2002-02-12 2005-04-26 Famous Horse, Inc. Biometric identification and security system associated with cash register
US6732919B2 (en) 2002-02-19 2004-05-11 Hewlett-Packard Development Company, L.P. System and method for using a multiple-use credit card
US6691904B2 (en) 2002-02-25 2004-02-17 Gerardo Pineda ID badge lanyard combination necktie holdown apparatus
GB0204620D0 (en) 2002-02-28 2002-04-10 Europay Internat N V Chip authentication programme
JP3902489B2 (ja) 2002-03-04 2007-04-04 エフアイエス株式会社 ガスクロマトグラフ装置及び呼気成分分析装置
US20030225713A1 (en) 2002-03-08 2003-12-04 Atkinson Roger F. Prepayment system for power distribution using RFID technology
US7426479B2 (en) 2002-03-12 2008-09-16 Ncr Corporation Customer activity data system and method
JP2003271960A (ja) 2002-03-12 2003-09-26 Matsushita Electric Ind Co Ltd 指紋照合装置および指紋照合方法とプログラム
US7204425B2 (en) 2002-03-18 2007-04-17 Precision Dynamics Corporation Enhanced identification appliance
KR101019524B1 (ko) 2002-03-19 2011-03-07 마스터카드 인터내셔날, 인코포레이티드 근접형 장치를 이용하여 트랜잭션을 처리하는 방법 및 시스템
US7925576B2 (en) 2002-03-26 2011-04-12 First Data Corporation Systems for processing transponder-based transactions
US20030187790A1 (en) 2002-03-26 2003-10-02 Amy Swift Electronic check processing systems
US7131571B2 (en) 2002-03-26 2006-11-07 First Data Corporation Alternative payment devices using electronic check processing as a payment mechanism
US20030187786A1 (en) 2002-03-26 2003-10-02 Amy Swift Merchant transponder systems using electronic check processing
US20020107007A1 (en) 2002-03-27 2002-08-08 Howard Gerson Method for wireless telephony payment and an apparatus therefor
WO2003084124A1 (en) 2002-03-28 2003-10-09 Innovation Connection Corporation Apparatus and method for transactions security using biometric identity validation and contactless smartcard.
WO2003083619A2 (en) 2002-03-29 2003-10-09 Bank One, Delaware, N.A. System and process for performing purchase transaction using tokens
JP3940014B2 (ja) 2002-03-29 2007-07-04 富士通株式会社 半導体集積回路、無線タグ、および非接触型ｉｃカード
US7299364B2 (en) 2002-04-09 2007-11-20 The Regents Of The University Of Michigan Method and system to maintain application data secure and authentication token for use therein
US20030195037A1 (en) 2002-04-11 2003-10-16 Vt Tech Corp. Video gaming machine for casino games
US20030195842A1 (en) 2002-04-15 2003-10-16 Kenneth Reece Method and device for making secure transactions
US7707120B2 (en) 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service
US7229013B2 (en) 2002-04-17 2007-06-12 American Eps, Inc. Biometric multi-purpose terminal, payroll and work management system and related methods
US6944768B2 (en) 2002-04-19 2005-09-13 Cross Match Technologies, Inc. System and methods for access control utilizing two factors to control access
US6851617B2 (en) 2002-04-19 2005-02-08 Avery Dennison Corporation Laser imageable RFID label/tag
US7079007B2 (en) 2002-04-19 2006-07-18 Cross Match Technologies, Inc. Systems and methods utilizing biometric data
EP2290730B1 (en) 2002-04-24 2013-08-21 SK Planet Co., Ltd. Battery pack for a mobile terminal
US20030208439A1 (en) 2002-05-03 2003-11-06 Rast Rodger H. Automated soft limit control of electronic transaction accounts
AU2003214943A1 (en) 2002-05-03 2003-11-17 Manugistics, Inc. System and method for sharing information relating to supply chain transactions in multiple environments
US7274807B2 (en) 2002-05-30 2007-09-25 Activcard Ireland Limited Method and apparatus for supporting a biometric registration performed on a card
DE10224209B4 (de) 2002-05-31 2004-09-23 Infineon Technologies Ag Autorisierungseinrichtung-Sicherheitsmodul-Terminal-System
US20030227550A1 (en) 2002-06-06 2003-12-11 Manico Joseph A. System and method for providing a customized imaging product or service
AU2003243609A1 (en) 2002-06-17 2003-12-31 Mars, Incorporated Container with integral card holder
US6751805B1 (en) 2002-06-17 2004-06-22 Kenneth Austion Rider down emergency identification card
DE10227558A1 (de) 2002-06-20 2004-01-15 Infineon Technologies Ag System zum Datenaustausch zwischen mindestens zwei kontaktlosen Datenträgern
US8060139B2 (en) 2002-06-24 2011-11-15 Toshiba American Research Inc. (Tari) Authenticating multiple devices simultaneously over a wireless link using a single subscriber identity module
US7606730B2 (en) 2002-06-25 2009-10-20 American Express Travel Relate Services Company, Inc. System and method for a multiple merchant stored value card
US20040015451A1 (en) 2002-07-10 2004-01-22 Sahota Jagdeep Singh Method for conducting financial transactions utilizing infrared data communications
US8412623B2 (en) 2002-07-15 2013-04-02 Citicorp Credit Services, Inc. Method and system for a multi-purpose transactional platform
US6793141B1 (en) 2002-07-23 2004-09-21 R. William Graham Credit card
US20040127256A1 (en) 2002-07-30 2004-07-01 Scott Goldthwaite Mobile device equipped with a contactless smart card reader/writer
US20040019564A1 (en) 2002-07-26 2004-01-29 Scott Goldthwaite System and method for payment transaction authentication
US7616784B2 (en) 2002-07-29 2009-11-10 Robert William Kocher Method and apparatus for contactless hand recognition
US20040104268A1 (en) 2002-07-30 2004-06-03 Bailey Kenneth Stephen Plug in credit card reader module for wireless cellular phone verifications
JP4265167B2 (ja) 2002-08-02 2009-05-20 ソニー株式会社 個人認証装置、コンピュータ入力装置、携帯情報端末、車用ハンドル、および、個人認証方法
JP2004070831A (ja) 2002-08-08 2004-03-04 Sony Corp 入力装置
US7083090B2 (en) 2002-08-09 2006-08-01 Patrick Zuili Remote portable and universal smartcard authentication and authorization device
JP4140313B2 (ja) 2002-08-09 2008-08-27 日本ユニカ株式会社 個人認証装置、施錠装置
US20040041021A1 (en) 2002-08-27 2004-03-04 Ncr Corporation Modular self checkout system
US6786400B1 (en) 2002-09-06 2004-09-07 Capital One Financial Corporation Multiple account banking system and method
CZ2005209A3 (cs) 2002-09-10 2005-12-14 Ivi Smart Technologies, Inc. Bezpečné biometrické ověření identity
US20040050930A1 (en) 2002-09-17 2004-03-18 Bernard Rowe Smart card with onboard authentication facility
US20040059923A1 (en) 2002-09-25 2004-03-25 Shamrao Andrew Divaker Systems and methods for authentication
JP2004118627A (ja) 2002-09-27 2004-04-15 Toshiba Corp 人物認証装置および人物認証方法
US20040139021A1 (en) 2002-10-07 2004-07-15 Visa International Service Association Method and system for facilitating data access and management on a secure token
USH2120H1 (en) 2002-10-10 2005-07-05 The United States Of America As Represented By The Secretary Of The Air Force Biometric personal identification credential system (PICS)
MXPA05003984A (es) 2002-10-15 2005-06-22 Digimarc Corp Documento de identificacion y metodos relacionados.
WO2004036771A2 (en) 2002-10-18 2004-04-29 Symbol Technologies, Inc. Method for the efficient reading of a population of radio frequency identification tags with unique identification numbers over a noisy air channel
US20060034492A1 (en) 2002-10-30 2006-02-16 Roy Siegel Hand recognition system
JP2004178141A (ja) 2002-11-26 2004-06-24 Hitachi Ltd 不正使用防止機能付きｉｃカード
US7130452B2 (en) 2002-12-03 2006-10-31 International Business Machines Corporation System and method for multi-party validation, authentication and/or authorization via biometrics
US7494060B2 (en) 2002-12-10 2009-02-24 Anthony Zagami Information-based access control system for sea port terminals
US6685088B1 (en) 2002-12-13 2004-02-03 American Express Travel Related Services Company, Inc. System and method for selecting an account
AU2002953325A0 (en) 2002-12-13 2003-01-09 Executive Computing Holdings Pty Ltd Means for providing protection for digital assets
US6776332B2 (en) 2002-12-26 2004-08-17 Micropin Technologies Inc. System and method for validating and operating an access card
US7116805B2 (en) 2003-01-07 2006-10-03 Avagotechnologies Ecbu Ip (Singapore) Pte. Ltd. Fingerprint verification device
CN1764923A (zh) 2003-01-21 2006-04-26 Para3公司 使用带指纹传感器便携型电子设备的卡结算方法
US7124955B2 (en) 2003-01-28 2006-10-24 American Express Travel Related Services Company, Inc. Compact or convenient transaction cards
US20040158723A1 (en) 2003-02-06 2004-08-12 Root David C. Methods for providing high-integrity enrollments into biometric authentication databases
US7059159B2 (en) 2003-02-06 2006-06-13 Mi-Jack Products, Inc. Security system for cargo trailers
US7005965B2 (en) 2003-02-14 2006-02-28 Winbond Electronics Corporation Radio frequency identification device
US6708375B1 (en) 2003-02-24 2004-03-23 Maria Ward Johnson Harness wallet
US7108190B2 (en) 2003-02-28 2006-09-19 Appleton Papers Inc. Token array and method employing authentication tokens bearing scent formulation information
US20040199469A1 (en) 2003-03-21 2004-10-07 Barillova Katrina A. Biometric transaction system and method
US20040193676A1 (en) 2003-03-24 2004-09-30 Nokia Corporation System, terminal and method of transmitting information utilizing a variable-string uniform resource locator (URL)
GB2402249A (en) 2003-03-28 2004-12-01 Qinetiq Ltd Integrated passenger management system using biometric sensors and a mm wave camera
US6983882B2 (en) 2003-03-31 2006-01-10 Kepler, Ltd. Personal biometric authentication and authorization device
KR20040087690A (ko) 2003-04-07 2004-10-15 주식회사 씨크롭 지문정보를 이용한 신용거래 시스템 및 방법
JP4347599B2 (ja) 2003-04-10 2009-10-21 オリンパス株式会社 個人認証装置
US6845863B1 (en) 2003-04-22 2005-01-25 Herman Riley Card magnetic strip protector sleeve
US20040215575A1 (en) 2003-04-28 2004-10-28 John Garrity Efficient management of fueling transactions
US7268667B2 (en) 2003-05-09 2007-09-11 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device operable to store multiple distinct accounts
US7100821B2 (en) 2003-05-15 2006-09-05 Mehran Randall Rasti Charge card and debit transactions using a variable charge number
WO2004105359A2 (en) 2003-05-19 2004-12-02 Einar Rosenberg An apparatus and method for increased security of wireless transactions
US6923370B2 (en) 2003-05-20 2005-08-02 Bradley L. Gotfried Access system
US20040236680A1 (en) 2003-05-22 2004-11-25 International Business Machines Corporation Method and apparatus for displaying embedded chip states and embedded chip end-user application states
USD509243S1 (en) 2003-05-22 2005-09-06 Mastercard International Incorporated Card
US7421097B2 (en) 2003-05-27 2008-09-02 Honeywell International Inc. Face identification verification using 3 dimensional modeling
US6735081B1 (en) 2003-05-27 2004-05-11 Nortel Networks Limited Thermal management apparatus for horizontal electronics enclosures
JP2005010826A (ja) 2003-06-16 2005-01-13 Fujitsu Ltd 認証端末装置、生体情報認証システム、及び生体情報取得システム
US7088220B2 (en) 2003-06-20 2006-08-08 Motorola, Inc. Method and apparatus using biometric sensors for controlling access to a wireless communication device
US6961450B2 (en) 2003-06-25 2005-11-01 Intelligent Biometric Technology, Inc. Personal identification method, electronic identification system and apparatus for personal biometrical identification by gauging geometry of the person's hand
JP3728304B2 (ja) 2003-07-10 2005-12-21 キヤノン株式会社 情報処理方法、情報処理装置、プログラム、及び記憶媒体
JP2005032164A (ja) 2003-07-11 2005-02-03 Matsushita Electric Ind Co Ltd 認証システムならびに認証装置、サーバ装置、登録装置および端末装置
US20050011776A1 (en) 2003-07-14 2005-01-20 Nagel Richard R. Easy access credit card holder
US20050021457A1 (en) 2003-07-25 2005-01-27 Johnson A. Wayne Financial account up-front incentives management system and method
US20050065842A1 (en) 2003-07-28 2005-03-24 Richard Summers System and method for coordinating product inspection, repair and product maintenance
US6981591B2 (en) 2003-07-31 2006-01-03 Umbra Inc. Case with elastic-secured end cap
WO2005024562A2 (en) 2003-08-11 2005-03-17 Eloret Corporation System and method for pattern recognition in sequential data
US20050040272A1 (en) 2003-08-19 2005-02-24 Argumedo Armando Jesus Cartridge with slanted memory chip and conforming wall
US7127672B1 (en) 2003-08-22 2006-10-24 Microsoft Corporation Creating and managing structured data in an electronic spreadsheet
US8156042B2 (en) 2003-08-29 2012-04-10 Starbucks Corporation Method and apparatus for automatically reloading a stored value card
US7104446B2 (en) 2003-09-03 2006-09-12 Visa U.S.A., Inc. Method, system and portable consumer device using wildcard values
US20050054438A1 (en) 2003-09-04 2005-03-10 Rothschild Wayne H. Universal personal identifier for accessing patron information at a gaming venue
US7676408B2 (en) 2003-09-12 2010-03-09 Moebs Services, Inc. Risk identification system and methods
JP2005115923A (ja) 2003-09-18 2005-04-28 Ricoh Co Ltd 情報提供システム
JP2007524151A (ja) 2003-09-26 2007-08-23 マスターカード インターナシヨナル インコーポレーテツド 近接装置をバイオメトリクスで有効化する方法およびシステム
US7787667B2 (en) 2003-10-01 2010-08-31 Authentec, Inc. Spot-based finger biometric processing method and associated sensor
US7743980B2 (en) 2003-11-12 2010-06-29 De Sylva Robert Francis System and method for facilitating monetary transactions
US7762470B2 (en) 2003-11-17 2010-07-27 Dpd Patent Trust Ltd. RFID token with multiple interface controller
US7039440B2 (en) 2003-11-20 2006-05-02 International Business Machines Corporation Wireless rechargeable money card
US20050125343A1 (en) 2003-12-03 2005-06-09 Mendelovich Isaac F. Method and apparatus for monetizing personal consumer profiles by aggregating a plurality of consumer credit card accounts into one card
US7363505B2 (en) 2003-12-03 2008-04-22 Pen-One Inc Security authentication method and system
US7543331B2 (en) 2003-12-22 2009-06-02 Sun Microsystems, Inc. Framework for providing a configurable firewall for computing systems
US6997381B2 (en) 2003-12-24 2006-02-14 Michael Arnouse Dual-sided smart card reader
US20050149358A1 (en) 2004-01-06 2005-07-07 Lisa M. Sacco And Lynn Greenky RFID tracking of anesthesiologist and patient time
US7376841B2 (en) 2004-01-12 2008-05-20 International Business Machines Corporation Portable computer with a hand impression
EP1566788A3 (en) 2004-01-23 2017-11-22 Sony United Kingdom Limited Display
US20050165684A1 (en) 2004-01-28 2005-07-28 Saflink Corporation Electronic transaction verification system
US20050203857A1 (en) 2004-03-09 2005-09-15 Friedman Lawrence J. Methods for transaction processing
US20050216424A1 (en) 2004-03-23 2005-09-29 Star Systems, Inc. Transaction system with special handling of micropayment transaction requests
US7472833B2 (en) 2004-03-25 2009-01-06 Hewlett-Packard Development Company, L.P. Information card
US20050221853A1 (en) 2004-03-31 2005-10-06 Silvester Kelan C User authentication using a mobile phone SIM card
US7434054B2 (en) 2004-03-31 2008-10-07 Microsoft Corporation Asynchronous enhanced shared secret provisioning protocol
US7132946B2 (en) 2004-04-08 2006-11-07 3M Innovative Properties Company Variable frequency radio frequency identification (RFID) tags
US20050232471A1 (en) 2004-04-20 2005-10-20 Richard Baer Biometric data card and authentication method
US8918900B2 (en) 2004-04-26 2014-12-23 Ivi Holdings Ltd. Smart card for passport, electronic passport, and method, system, and apparatus for authenticating person holding smart card or electronic passport
US20050278222A1 (en) 2004-05-24 2005-12-15 Nortrup Edward H Systems and methods for performing transactions
EP1610273A1 (en) 2004-06-25 2005-12-28 STMicroelectronics Belgium N.V. Improved security device and terminal and method for communication between them
US20060016868A1 (en) 2004-07-01 2006-01-26 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a smartcard
US7341181B2 (en) 2004-07-01 2008-03-11 American Express Travel Related Services Company, Inc. Method for biometric security using a smartcard
US7325724B2 (en) 2004-07-01 2008-02-05 American Express Travel Related Services Company, Inc. Method for registering a biometric for use with a smartcard
US20060000893A1 (en) 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method for biometric security using a smartcard-reader
US7363504B2 (en) 2004-07-01 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for keystroke scan recognition biometrics on a smartcard
US20060016869A1 (en) 2004-07-01 2006-01-26 American Express Travel Related Services Company, Inc. Method and system for auditory emissions recognition biometrics on a smartcard
US20060000894A1 (en) 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method and system for fingerprint biometrics on a smartcard
US7314164B2 (en) 2004-07-01 2008-01-01 American Express Travel Related Services Company, Inc. System for biometric security using a smartcard
US20060000896A1 (en) 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method and system for voice recognition biometrics on a smartcard
US20060016874A1 (en) 2004-07-01 2006-01-26 American Express Travel Related Services Company, Inc. System for registering a biometric for use with a smartcard
US20060000899A1 (en) 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method and system for dna recognition biometrics on a smartcard
US20060000898A1 (en) 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method and system for vascular pattern recognition biometrics on a smartcard
US20060000895A1 (en) 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method and system for facial recognition biometrics on a smartcard
US20060000897A1 (en) 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Method and system for signature recognition biometrics on a smartcard
US7314165B2 (en) 2004-07-01 2008-01-01 American Express Travel Related Services Company, Inc. Method and system for smellprint recognition biometrics on a smartcard
US7318550B2 (en) 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
JP4381922B2 (ja) 2004-08-03 2009-12-09 スズキ株式会社 フック装置
US7548152B2 (en) 2004-10-08 2009-06-16 Entrust Limited RFID transponder information security methods systems and devices
PT1645929E (pt) 2004-10-11 2009-04-15 Swisscom Schweiz Ag Cartão de comunicações para dispositivos de rede móveis e método de autenticação para utilizadores de dispositivos de rede móveis
CN101375284B (zh) 2004-10-25 2012-02-22 安全第一公司 安全数据分析方法和系统
US7298873B2 (en) 2004-11-16 2007-11-20 Imageware Systems, Inc. Multimodal biometric platform
US20060123240A1 (en) 2004-12-08 2006-06-08 Alison Chaiken Secure biometric authentication system and method of implementation thereof
CA2587986A1 (en) 2005-01-18 2006-07-27 Traxtal Inc. Electromagnetically tracked k-wire device
US20060158434A1 (en) 2005-01-20 2006-07-20 Zank Anthony E Electronic payment terminal with active cover
US20060190419A1 (en) 2005-02-22 2006-08-24 Bunn Frank E Video surveillance data analysis algorithms, with local and network-shared communications for facial, physical condition, and intoxication recognition, fuzzy logic intelligent camera system
US20060202835A1 (en) 2005-02-25 2006-09-14 Osborne Industries, Inc. Dual frequency identification device
US20060242423A1 (en) 2005-04-22 2006-10-26 Kussmaul John W Isolated authentication device and associated methods
US7377448B2 (en) 2005-06-01 2008-05-27 Sandisk Il Ltd Card device for connection to a USB receptacle
US7323992B2 (en) 2005-06-21 2008-01-29 International Business Machines Corporation Method and system for aggregation of RFID signal sources and composite to develop a unique signature
US7586413B2 (en) 2005-09-01 2009-09-08 Assa Abloy Ab Human feedback using parasitic power harvesting of RFID tags
US7756981B2 (en) 2005-11-03 2010-07-13 Quest Software, Inc. Systems and methods for remote rogue protocol enforcement
US7864987B2 (en) 2006-04-18 2011-01-04 Infosys Technologies Ltd. Methods and systems for secured access to devices and systems
US20070252001A1 (en) 2006-04-25 2007-11-01 Kail Kevin J Access control system with RFID and biometric facial recognition
US7344072B2 (en) 2006-04-27 2008-03-18 Sandisk Corporation Credit card sized USB flash drive
US7604166B2 (en) 2006-06-12 2009-10-20 Rania Abouyounes Method and system for flexible purchases using only fingerprints at the time and location of purchase

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104012034A (zh) * 2011-12-28 2014-08-27 英特尔公司 用于网络访问有关的应用的认证
CN104012034B (zh) * 2011-12-28 2018-02-06 英特尔公司 用于网络访问有关的应用的认证
US10083445B2 (en) 2011-12-28 2018-09-25 Intel Corporation Authentication for network access related applications
CN103516666A (zh) * 2012-06-20 2014-01-15 中国银联股份有限公司 安全性信息交互装置及方法
CN103970492A (zh) * 2013-01-30 2014-08-06 精工爱普生株式会社 控制系统的控制方法以及控制系统
CN103970492B (zh) * 2013-01-30 2017-11-14 精工爱普生株式会社 控制系统的控制方法以及控制系统
CN111343233A (zh) * 2016-09-20 2020-06-26 徐蔚 一种基于存储的数字货币支付的方法、装置与移动终端

Also Published As

Publication number Publication date
US20050038741A1 (en) 2005-02-17
MXPA04000189A (es) 2004-06-18
AU2003248849A1 (en) 2004-01-23
JP4777917B2 (ja) 2011-09-21
JP2005520269A (ja) 2005-07-07
EP1563421A4 (en) 2006-06-28
BR0304735A (pt) 2004-07-06
JP2007220104A (ja) 2007-08-30
US20030167207A1 (en) 2003-09-04
CA2458143A1 (en) 2004-01-15
WO2004006064A3 (en) 2005-06-09
US7889052B2 (en) 2011-02-15
EP1563421A2 (en) 2005-08-17
WO2004006064A2 (en) 2004-01-15
US7768379B2 (en) 2010-08-03

Similar Documents

Publication Publication Date Title
CN1682222A (zh) 有触点或无触点交易中用射频识别激励支付的系统和方法
CN100370838C (zh) 在有接触或无接触交易中使用射频识别激励支付的系统和方法
US20210142323A1 (en) Funding a radio frequency device transaction
US9454752B2 (en) Reload protocol at a transaction processing entity
US9031880B2 (en) Systems and methods for non-traditional payment using biometric data
US20180039973A1 (en) Radio frequency transactions using a plurality of accounts
US8423475B2 (en) Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US20140074714A1 (en) Attended dispensing environment utilizing mobile payment
US20140222600A1 (en) Method and apparatus for fulfilling purchases
US8538863B1 (en) System and method for facilitating a transaction using a revolving use account associated with a primary account
JP5643854B2 (ja) 接触および非接触取引における無線周波数識別を用いて支払を動機付けするシステムおよび方法
TW201545089A (zh) 電子兌換券與自動化處理電子兌換券的方法
US20220358519A1 (en) Authentication system
AU2011203221B2 (en) System and method for authenticating a RF transaction using a radio frequency identification device including a transactions counter

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
C02 Deemed withdrawal of patent application after publication (patent law 2001)
WD01 Invention patent application deemed withdrawn after publication

Open date: 20051012