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    Smart card loading transactions using wireless telecommunications network
    5.
    发明授权
    Smart card loading transactions using wireless telecommunications network 有权
    智能卡加载交易使用无线电信网络

    公开(公告)号：US09558489B2

    公开(公告)日：2017-01-31

    申请号：US14481260

    申请日：2014-09-09

    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

    Inventor： Steven R. Hoffman ,  Suzanne C. Adams

    IPC: G06Q40/00 ,  G06Q20/36 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/34 ,  G07F7/08 ,  G07F7/10 ,  G06Q20/38

    CPC classification number: G06Q20/3672 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3229 ,  G06Q20/325 ,  G06Q20/3255 ,  G06Q20/341 ,  G06Q20/349 ,  G06Q20/353 ,  G06Q20/36 ,  G06Q20/363 ,  G06Q20/3674 ,  G06Q20/3829 ,  G06Q2220/12 ,  G07F7/0866 ,  G07F7/0886 ,  G07F7/1008

    Abstract: A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds issuer computer; and an authentication computer. The mobile telephone handset receives a request from a user to load a value onto the smart card. The handset generates a funds request message which includes the value and sends the funds request message to a funds issuer computer. The funds issuer computer debits an account associated with the user. Next, the handset generates a load request message with a cryptographic signature and sends the load request message to an authentication computer which authenticates the smart card. The handset receives a response message which includes a cryptographic signature and an approval to load. Finally, the handset validates the second cryptographic signature and loads the value onto the smart card. For payment, the system includes a merchant server and a payment server. First, the handset sends an order request message to the merchant server computer, and in return receives a purchase instruction message. The handset processes the purchase instruction message locally, and then sends a draw request message to a payment server computer. The payment server computer sends a debit message which includes a cryptographic signature and an approval to debit the smart card. Finally, the handset validates the cryptographic signature and debits the smart card.

    Abstract translation: 智能卡交易允许消费者将价值加载到智能卡上，并通过电信网络使用具有移动电话手机的智能卡进行购买。 为了加载，系统包括：包括读卡器的移动电话手机; 网关计算机; 资金发行人电脑; 和认证计算机。 移动电话听筒从用户接收到将值加载到智能卡上的请求。 该手机产生一个资金请求消息，其中包含该值，并将该资金请求消息发送给一个资金发行者计算机。 资金发行者计算机借记与用户相关的帐户。 接下来，手持机产生具有加密签名的加载请求消息，并将该加载请求消息发送给认证智能卡的认证计算机。 手机接收到包含加密签名和加载批准的响应消息。 最后，手机验证第二个加密签名，并将该值加载到智能卡上。 为了付款，系统包括商家服务器和支付服务器。 首先，手机向商家服务器计算机发送订单请求消息，并且作为回报接收到购买说明消息。 手机在本地处理购买指示消息，然后向支付服务器计算机发送绘制请求消息。 付款服务器计算机发送一个借记消息，该借记消息包括加密签名和许可以借记智能卡。 最后，手机验证加密签名并扣除智能卡。

    Method, apparatus, and system for displaying usage records
    6.
    发明授权
    Method, apparatus, and system for displaying usage records 有权
    用于显示使用记录的方法，装置和系统

    公开(公告)号：US09507868B2

    公开(公告)日：2016-11-29

    申请号：US15076317

    申请日：2016-03-21

    Applicant: Xiaomi Inc.

    Inventor： Yifan Zhu ,  Junqi Lin ,  Wankun Yang

    IPC: G07B17/02 ,  G06F17/30 ,  G06K19/04 ,  G06Q50/30

    CPC classification number: G06F17/30876 ,  G06F17/30241 ,  G06K19/042 ,  G06Q20/322 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q50/30 ,  G07F7/0866

    Abstract: A method, apparatus, and system are provided for displaying usage records. The method includes: reading a usage record stored in a transportation card and acquiring a terminal number corresponding to the usage record; transmitting a route identifier query request to a server, the route identifier query request including the terminal number corresponding to the usage record; receiving a route identifier of a vehicle associated with the terminal number of the usage record; and displaying the usage record as well as the route identifier of a vehicle associated with the terminal number corresponding to the usage record.

    Abstract translation: 提供了一种用于显示使用记录的方法，装置和系统。 该方法包括：读取存储在交通卡中的使用记录并获取与使用记录相对应的终端号码; 向服务器发送路由标识查询请求，所述路由标识符查询请求包括与所述使用记录对应的终端号码; 接收与所述使用记录的终端号码相关联的车辆的路线标识; 并显示与使用记录相对应的终端号码相关联的车辆的使用记录以及路线标识。

    PAYMENT CARD STORING TOKENIZED INFORMATION
    9.
    发明申请
    PAYMENT CARD STORING TOKENIZED INFORMATION 审中-公开
    付款卡存储信息

    公开(公告)号：US20160267467A1

    公开(公告)日：2016-09-15

    申请号：US15069292

    申请日：2016-03-14

    Applicant: MasterCard International Incorporated

    Inventor： Bruce John Rutherford ,  Mark Lulic

    IPC: G06Q20/34 ,  G06K7/06 ,  G06K19/07 ,  G06Q20/40 ,  G06Q20/38

    CPC classification number: G06Q20/341 ,  G06Q20/385 ,  G06Q2220/00 ,  G07F7/0866

    Abstract: Provided are a payment card, system and method for storing and reading tokenized payment account information from a payment card. In an exemplary embodiment, a payment card may include a substrate forming a body of the payment card, and an electronic chip attached to or included in the substrate. According to various exemplary embodiments, the electronic chip may include a storage storing tokenized payment account information corresponding to a payment account linked to the payment card. The electronic chip may be read by a payment terminal and may provide the tokenized payment information to the payment terminal during reading.

    Abstract translation: 提供了用于从支付卡存储和读取标记的支付账户信息的支付卡，系统和方法。 在示例性实施例中，支付卡可以包括形成支付卡的主体的基板和附接到基板或包含在基板中的电子芯片。 根据各种示例性实施例，电子芯片可以包括存储与支付卡链接的支付帐户相对应的令牌化支付账户信息的存储。 电子芯片可以由支付终端读取，并且可以在读取期间向支付终端提供标记的支付信息。

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