US20020178063A1 - Community concept for payment using RF ID transponders - Google Patents
Community concept for payment using RF ID transponders Download PDFInfo
- Publication number
- US20020178063A1 US20020178063A1 US09/864,442 US86444201A US2002178063A1 US 20020178063 A1 US20020178063 A1 US 20020178063A1 US 86444201 A US86444201 A US 86444201A US 2002178063 A1 US2002178063 A1 US 2002178063A1
- Authority
- US
- United States
- Prior art keywords
- tag
- payment
- account
- sale
- subscriber account
- 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.)
- Abandoned
Links
Images
Classifications
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- 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
- G06Q20/20—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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0215—Including financial accounts
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
Definitions
- the present invention relates to automatic payment systems, and more particularly, to a payment system that uses RF ID transponders.
- One way that merchants attract consumers to their businesses is by offering convenient and superior service.
- One example is the drive-through lane of a fast food restaurant which allows a customer to place an order, pay for the order, and receive the ordered food without leaving his or her vehicle.
- Other businesses such as gas stations and dry cleaners offer similar types of conveniences that are also based on the knowledge that many of their customers will likely be arriving in a vehicle.
- a dry cleaner may have a drive-through service or convenient short-term parking stalls near the entrance of the establishment, providing the customer with easy access to the business.
- RFID radio frequency identification
- the RFID tag may take many forms, for example it may be attached to the vehicle, provided in a card, or in a key fob.
- the RFID tag is interrogated by a card reader which is located at the entrance of the parking garage close to an entrance gate.
- the card reader is connected to a host computer which checks stored user information associated with the ID number, authorizes the car to enter, and tracks the time that the car is parked in the garage.
- a local host computer maintains account information for the identified vehicle, which can be used to prepare periodic billing statements that are mailed to the customer.
- a proprietor may have more than one parking garage, with each local host computer connected to a single remote computer for the centralized production of billing statements.
- MOBIL SPEEDPASSTM which is used for the purchase of gasoline.
- the company issues RFID tags to its customers which identify the customer by an ID number.
- the RFID tag is interrogated to receive the ID number of the tag. That number is sent via satellite to a host computer which authenticates the tag. If authorized, the host computer returns an authorization signal to enable the gasoline pump.
- the host computer charges a previously selected credit or bank debit card to pay for the gasoline that was actually pumped. After the credit or the bank debit card transaction is complete, a receipt is printed for the customer. The final transaction is then recorded in a central database which is used to track customer buying patterns.
- a problem associated with the prior art is that for each register used by a merchants, there needs to be a an RFID tag reader associated with it.
- each gas pump in a gas station that accepts payment through RFID tags must carry a tag reader. Therefore, there is a need in the art to simplify the system architecture of the existing cashless payment systems.
- the payment system of the present invention includes a community comprised of a plurality of points of sale; a wireless transponder; at least one reader for interrogating the wireless transponder and for reading information from the transponder when the transponder is in a vicinity of the community; a local computer in communication with the plurality of points of sale for receiving the information from the at least one reader and associating the information with a subscriber account; and a Clearinghouse computer for conducting a validation of the transponder and sending a notification of said validation to the local computer.
- the payment method of the present invention includes the steps of reading information from a wireless transponder when the transponder is located in a vicinity of a plurality of points of sale; relaying the information to a validating processor; identifying a subscriber account corresponding to the transponder information; and authorizing the wireless transponder corresponding to the identified subscriber account to make transactions with any points of sale from the plurality of points of sale.
- An object of the present invention is to facilitate and expedite transactions, such as the payment of products, that are requested by a subscriber when the subscriber is in a community of retailers, such as a shopping mall. Another object of the present invention is to consolidate transactions such that the associated cost per transaction is reduced. Still another object of the present invention is to add security to a conventional payment transaction by requesting the input of secondary data from a subscriber before the transaction is completed.
- FIG. 1 is a view of the first embodiment of the payment system of the present invention.
- FIG. 2 is a view of the payment method of the present invention.
- the payment system of the present invention includes an RFID transponder mounted on a vehicle or carried by a person, an RFID reader, and a secondary data input device.
- the transponder ID is read from the transponder by a tag reader when it enters a community.
- the secondary data input device is activated to finalize an electronic transaction, for example, a payment.
- an RFID transponder mounted on a vehicle might be read at the entrance to a gas station.
- a validating processor or computer communicating with the reader then validates that RFID transponder as having a valid ID and account, and the information read is then stored in a file or database located at the validating computer. That validating computer may be local PC 109 in FIG.
- the preferred embodiment involves maintaining a simple and efficient (from a lookup time and memory perspective) flat file in the local PC 109 . This is maintained with periodic update messages from the Clearinghouse 101 . Updates to the flat file occur as frequently as required to deliver the required fidelity in the database. The advantage of this approach is that if communications are down or corrupted, the system will continue to be able to operate and validate transactions, albeit somewhat degraded by the aging of the data contained in the flat file.
- validation could be done directly at the Clearinghouse 101 .
- One disadvantage of this is that the network connection must be up all the time, dictating the need for a more reliable communication link that could be more expensive to operate. Further, the needs for an “always up” link might make it difficult to use the Internet as the dissemination network, since an always up connection increases the risk of being hacked in the current environment.
- the data used for corroborating the identity of the RFID transponder may also be stored locally in the validating computer.
- the transaction can be completed by cross-correlating the RFID transponder read with the secondary input data. That is, in order to complete a transaction, the secondary data input device accepts data from the carrier of the RFID transponder and that secondary data is cross-correlated against the transponder ID to verify the identity of the carrier and thus complete the transaction.
- the secondary data provided to the secondary data input device is a personal identification number (PIN).
- PIN personal identification number
- the PIN is part of the validation file.
- the PIN may be entered, for example, into an existing keypad at a fueling pump. If the entered PIN matches one of those in the local computer corresponding to a tag that has been read into the community, the associated account is used to settle the transaction.
- This feature of the present invention differs from the prior art (e.g., ATM machine) in which only one card is corroborated against one PIN. By having multiple active PINs, a more convenient use of the system is allowed because people can remember their own PIN, not an arbitrary number assigned to them.
- This PIN permits inexpensive localization of the transaction to a specific point, like a fuel pump, and it also provides high security against fraud and counterfeiting. A system to fully localize the transponder is more expensive to implement.
- Other types of secondary data that may be used to cross-correlate the RFID transponder read include a bar code printed on a key fob, which may in turn be read by an in-store bar code reader, a low cost inductive key fob, another RFID transponder, a biometric sensor (such as one that encodes fingerprints or finger geometry) or a magnetic stripe card, etc.
- the RFID transponder Since the RFID transponder is identified well in advance of the transaction, all necessary authorizations and account checks with respect to the account corresponding to the transponder card can be made before the actual transaction takes place. As a result, the time that a customer waits to complete the transaction is reduced due to the pre-authorization, which in essence turns the transaction into a real-time transaction. That is, on-line verification at the time of finalizing the transaction is not required.
- Patrons desiring to use the RFID transponder for effectuating the electronic transactions may sign up for activation of the RFID transponder card by registering over the Internet.
- a prepayment may be required as a precautionary measure against overcharging the account associated with the RFID transponder card.
- the card may be picked up at a participating retailer in the community. It is important to point out that the community may consist of a single retailer.
- the system of the present invention may also include a service center that supports the participating retailers.
- the participating retailers are the primary interface for customer queries and concerns.
- the service center may also guarantee payment for all transactions validated, but all account management is done via participating retailers. No statements or bills are sent to the subscriber, but they will be made available through the Internet.
- the method of the present invention involves the issuance of the RFID transponder card to a subscriber and the transactions involving the transponder card.
- the RFID transponder card includes an account index number electronically encoded in it.
- a subscriber provides a choice of electronic settlement means such as a credit card or a debit card.
- the subscriber may also agree to a nominal initial deposit to his account of a certain amount which is debited from his settling account.
- the subscriber may also agree that as soon as the balance on the subscriber's account drops below a predetermined threshold, the service center is authorized to “top up” (i.e., replace the debited amount) the subscriber account from the settlement account.
- the subscriber will authorize that the threshold and the “top up” amounts may vary according to usage, for example. In this manner, the subscriber account balance will seldom become negative awaiting an authorization from the corresponding settling account.
- the real-time validator is a data processor that determines that the account identified is authorized to make transactions within the community.
- the subscriber may only need to offer the cross-correlating input data to a secondary data input device. As mentioned before, this may be as simple as entering a PIN.
- the validator will then provide the participating retailer with an authorization code that guarantees the transaction. Transactions are posted to the service center until the subscriber's account falls below the specified threshold. The subscriber's account is subsequently topped up by debiting the associated settlement account.
- FIG. 1 shows a first embodiment of the payment system 100 of the present invention.
- the system 100 includes an RFID transponder card (the card 103 ), a vehicle having the card 103 attached to its windshield; an RFID transponder card reader (reader 107 ); a local personal computer (PC 109 ); a number of participating retailers, namely, a central tollway 111 , an airport 113 , a parking garage 115 , and a retail outlet 117 .
- the system 100 further includes a Clearinghouse 101 and a banking facility 121 .
- the Clearinghouse 101 which is also referred to as the service center, may include computers and personnel to support the participating retailers for all transactions validated.
- the transactions may be validated in real-time by a dedicated processor (“the validator”) located at the Clearinghouse location 101 .
- the validator may be located at any of the locations of the participating retailers 111 - 117 , or may be implemented as a software module running on the local PC 109 .
- the Clearinghouse 101 is also responsible for issuing a subscriber account.
- the card 103 associated with that subscriber account may be issued by the Clearinghouse 101 or by any one of the participating retailers 111 - 117 .
- the card 103 is in the form of a windshield sticker. Any other embodiment that may carry an RFID tag may also be used as a potential transponder card that can be used with the payment system of the present invention.
- the reader 107 reads information from the card 103 and forwards the information to a local PC 109 . Only one local PC 109 is shown on FIG.
- FIG. 1 to illustrate the use of PC 109 by participating retailers 111 - 117 , assuming they comprise the community.
- FIG. 1 would show a local PC 109 for each of the individual participating retailers 111 - 117 .
- the local PC 109 reads the subscriber information from the card 103 and attempts to match the information to information in a subscriber database.
- the subscriber database resides at the Clearinghouse, although as mentioned above a limited sub-set of the data in the database may also be stored as a flat file in the local PC 109 .
- the subscriber database includes the identification number of active cards and the corresponding account numbers of current subscribers.
- the local PC validates the card 103 . Once a card has been validated, a transaction can be requested through any POS terminal in the community. Further, the transaction will be authorized in real-time upon entering a secondary data input.
- An account status corresponding to card 103 is sent to the community as soon as the card 103 is read.
- the transaction information is sent to the Clearinghouse 101 .
- the Clearinghouse 101 serves as an intermediary between the POS and the ultimate source of funds (i.e., a settlement account such as a credit card, debit card, or bank account). Instead of requesting a withdrawal from that settlement account each time a transaction is completed, the Clearinghouse 101 may consolidate all the transactions finalized within a given community for a certain period of time, and request a single withdrawal.
- the user of the card 103 would still be able to view a record with individual transactions via statements 123 produced by the Clearinghouse 101 .
- the statements 123 may be accessed through a web site.
- the preferred embodiment of the present invention does not consolidate all the transactions into a single request for withdrawal. Instead, the preferred embodiment is to request a single withdrawal before any transaction involving the card 103 takes place. That single withdrawal is used to establish the subscriber account.
- the consolidation of transactions results in lower costs. For example, fees charged in connection to payment with a credit or debit card can also be consolidated. While debit card (ACH) transactions are based on a fixed fee, credit card transactions are based on a fixed fee and a percentage of the transaction.
- the method of the present invention consolidates, for example, low value transactions such that the fixed portion of the settlement cost is spread over multiple transactions, thus reducing the per transaction cost.
- the settlement cost may be defined as the cost to open subscriber's account paid in a single transaction by either debit or credit card or the amount of a single withdrawal after the transactions have been consolidated.
- a typical debit card transaction cost is $0.20. On a $2.00 transaction, this represents 10% of the total value of the transaction. If ten such transactions are consolidated, however, and a $20.00 withdrawal from the credit or debit card is made to deposit it into the subscriber's account, the cost drops to one percent (1%) of the value of the transaction. Further, because the Clearinghouse 101 processes a large volume of transactions, the operator of the Clearinghouse 101 may negotiate better fees than the individual participating retailers. The same advantage applies for credit card settlement at low dollar values, but is less dramatic at higher dollar transactions.
- the Clearinghouse 101 essentially holds the account data that is required to clear the transaction from the transponder in the lane, and then routes that transaction for final settlement according to the data on the account associated with the transponder. In some cases this can be also done at the front end, where for example the flat file may have a credit card number associated with the tag. If the tag is set up as a pass-through account, this data will be routed to the participating bank for clearance. This may occur in the back office for each transaction.
- a pre-paid account may be used and when a low balance threshold is crossed the Clearinghouse 101 will then top up the account from a designated source such as a credit or debit transaction with a Bank 119 , or via an ACH transaction directly into the customer's bank 121 account.
- a designated source such as a credit or debit transaction with a Bank 119 , or via an ACH transaction directly into the customer's bank 121 account.
- the Clearinghouse 101 is a big switch that applies business rules associated with the settlement of a given transaction.
- FIG. 2 illustrates a process for conducting transactions with the system of FIG. 1.
- the first step 201 in the process is to have applicants subscribe to the system by filling out an application.
- the application may be completed by telephone or via the Internet.
- the potential subscriber may provide a credit card number or debit card number which may be used to establish the subscriber's account.
- the funds required as part of the completion of each transaction within the community 203 will be withdrawn from the subscriber's account.
- the applicant becomes a subscriber and can thus receive card 103 .
- the subscriber may enter the community 203 to carry out transactions with card 103 .
- At least one of a number of readers in the community will read the card 103 when the card is in the vicinity of those readers, thus indicating that the subscriber is in the community.
- the information in card 103 is then passed from the reader 107 to the local PC 109 .
- the reader card information is associated with an account. That account number is then sent to the Clearinghouse 101 , where it is validated.
- the Clearinghouse sends the local PC 109 a notification of the validation.
- the tag may be validated at the local PC 109 .
- the subscriber When the subscriber decides to complete a transaction, for example a purchase, the subscriber need only show the card 103 to a primary data input device, such as a reader 107 , connected to the POS device to complete the transaction. After a merchant enters the price of the transaction in the POS device, the transaction is completed in real-time upon a reading of the card 103 since the card has already been validated. For security purposes, a PIN may be entered by the subscriber into the POS device for corroboration against the subscriber's account.
- a primary data input device such as a reader 107
- the card 103 may have a duplicate that is placed on the windshield of the subscirber's car. In this manner, the windshield card is first read to indicate the presence of the subscriber in the community, while the card being carried by the subscriber is read when the transaction takes place.
- the transaction information is passed from the POS to the local PC 109 , to the Clearinghouse 101 .
- the Clearinghouse may in turn pass the transaction information to the credit/debit card service provider 119 or may consolidate several transactions before doing so.
Abstract
Description
- 1. Field of the Invention
- The present invention relates to automatic payment systems, and more particularly, to a payment system that uses RF ID transponders.
- 2. Description of the Prior Art
- One way that merchants attract consumers to their businesses is by offering convenient and superior service. One example is the drive-through lane of a fast food restaurant which allows a customer to place an order, pay for the order, and receive the ordered food without leaving his or her vehicle. Other businesses such as gas stations and dry cleaners offer similar types of conveniences that are also based on the knowledge that many of their customers will likely be arriving in a vehicle. For example, a dry cleaner may have a drive-through service or convenient short-term parking stalls near the entrance of the establishment, providing the customer with easy access to the business.
- Another convenience generally offered to consumers is the ability to use credit cards or bank debit cards for the payment of goods and services. Such cashless systems allow the consumer to remit payment without having to manually withdraw and carry cash from a bank. One drawback with credit cards is the lengthy processing time required to complete a credit card transaction. Although current processing times of cashless systems are considered acceptable in many environments, especially when large transactions are involved, most cashless systems are inefficient for applications such as fueling vehicles where the size of the transaction is small, the customer arrives in a vehicle, and/or the customer expects fast service.
- Cashless systems have been developed to overcome some of the deficiencies of a standard credit card transaction. For example, in certain automated parking garages a customer is provided with a radio frequency identification (RFID) tag which identifies the customer to the proprietor of the parking garage. The RFID tag may take many forms, for example it may be attached to the vehicle, provided in a card, or in a key fob. When the customer enters the parking facility, the RFID tag is interrogated by a card reader which is located at the entrance of the parking garage close to an entrance gate. The card reader is connected to a host computer which checks stored user information associated with the ID number, authorizes the car to enter, and tracks the time that the car is parked in the garage. A local host computer maintains account information for the identified vehicle, which can be used to prepare periodic billing statements that are mailed to the customer. A proprietor may have more than one parking garage, with each local host computer connected to a single remote computer for the centralized production of billing statements.
- Another example of this type of system is MOBIL SPEEDPASS™ which is used for the purchase of gasoline. The company issues RFID tags to its customers which identify the customer by an ID number. When a customer pulls up to a gas pump, the RFID tag is interrogated to receive the ID number of the tag. That number is sent via satellite to a host computer which authenticates the tag. If authorized, the host computer returns an authorization signal to enable the gasoline pump. The host computer charges a previously selected credit or bank debit card to pay for the gasoline that was actually pumped. After the credit or the bank debit card transaction is complete, a receipt is printed for the customer. The final transaction is then recorded in a central database which is used to track customer buying patterns.
- A problem associated with the prior art is that for each register used by a merchants, there needs to be a an RFID tag reader associated with it. For example, each gas pump in a gas station that accepts payment through RFID tags must carry a tag reader. Therefore, there is a need in the art to simplify the system architecture of the existing cashless payment systems.
- Systems and methods of the present invention enable real-time transactions between a subscriber carrying a wireless or RFID transponder card, and any retailer that is part of a community of retailers. More particularly, the payment system of the present invention includes a community comprised of a plurality of points of sale; a wireless transponder; at least one reader for interrogating the wireless transponder and for reading information from the transponder when the transponder is in a vicinity of the community; a local computer in communication with the plurality of points of sale for receiving the information from the at least one reader and associating the information with a subscriber account; and a Clearinghouse computer for conducting a validation of the transponder and sending a notification of said validation to the local computer.
- The payment method of the present invention includes the steps of reading information from a wireless transponder when the transponder is located in a vicinity of a plurality of points of sale; relaying the information to a validating processor; identifying a subscriber account corresponding to the transponder information; and authorizing the wireless transponder corresponding to the identified subscriber account to make transactions with any points of sale from the plurality of points of sale.
- An object of the present invention is to facilitate and expedite transactions, such as the payment of products, that are requested by a subscriber when the subscriber is in a community of retailers, such as a shopping mall. Another object of the present invention is to consolidate transactions such that the associated cost per transaction is reduced. Still another object of the present invention is to add security to a conventional payment transaction by requesting the input of secondary data from a subscriber before the transaction is completed.
- With these and other objects, advantages and features of the invention that may become hereinafter apparent, the nature of the invention may be more clearly understood by reference to the following detailed description of the invention, the appended claims and to the accompanying drawings.
- The preferred embodiments of this invention will be described in detail, with reference to the following figures, wherein:
- FIG. 1 is a view of the first embodiment of the payment system of the present invention; and
- FIG. 2 is a view of the payment method of the present invention.
- The payment system of the present invention includes an RFID transponder mounted on a vehicle or carried by a person, an RFID reader, and a secondary data input device. The transponder ID is read from the transponder by a tag reader when it enters a community. After the read takes place, the secondary data input device is activated to finalize an electronic transaction, for example, a payment. For example, an RFID transponder mounted on a vehicle might be read at the entrance to a gas station. A validating processor or computer communicating with the reader then validates that RFID transponder as having a valid ID and account, and the information read is then stored in a file or database located at the validating computer. That validating computer may be local PC109 in FIG. 1 or a processor located in the Clearinghouse 101. The preferred embodiment involves maintaining a simple and efficient (from a lookup time and memory perspective) flat file in the local PC 109. This is maintained with periodic update messages from the Clearinghouse 101. Updates to the flat file occur as frequently as required to deliver the required fidelity in the database. The advantage of this approach is that if communications are down or corrupted, the system will continue to be able to operate and validate transactions, albeit somewhat degraded by the aging of the data contained in the flat file.
- Alternatively, validation could be done directly at the Clearinghouse101. One disadvantage of this is that the network connection must be up all the time, dictating the need for a more reliable communication link that could be more expensive to operate. Further, the needs for an “always up” link might make it difficult to use the Internet as the dissemination network, since an always up connection increases the risk of being hacked in the current environment.
- The data used for corroborating the identity of the RFID transponder, for example the ID number and the account number associated with that ID, may also be stored locally in the validating computer.
- Once the transaction has been requested, it can be completed by cross-correlating the RFID transponder read with the secondary input data. That is, in order to complete a transaction, the secondary data input device accepts data from the carrier of the RFID transponder and that secondary data is cross-correlated against the transponder ID to verify the identity of the carrier and thus complete the transaction.
- In one embodiment of the present invention, the secondary data provided to the secondary data input device is a personal identification number (PIN). The PIN is part of the validation file. The PIN may be entered, for example, into an existing keypad at a fueling pump. If the entered PIN matches one of those in the local computer corresponding to a tag that has been read into the community, the associated account is used to settle the transaction. This feature of the present invention differs from the prior art (e.g., ATM machine) in which only one card is corroborated against one PIN. By having multiple active PINs, a more convenient use of the system is allowed because people can remember their own PIN, not an arbitrary number assigned to them. This PIN permits inexpensive localization of the transaction to a specific point, like a fuel pump, and it also provides high security against fraud and counterfeiting. A system to fully localize the transponder is more expensive to implement.
- Other types of secondary data that may be used to cross-correlate the RFID transponder read include a bar code printed on a key fob, which may in turn be read by an in-store bar code reader, a low cost inductive key fob, another RFID transponder, a biometric sensor (such as one that encodes fingerprints or finger geometry) or a magnetic stripe card, etc.
- Since the RFID transponder is identified well in advance of the transaction, all necessary authorizations and account checks with respect to the account corresponding to the transponder card can be made before the actual transaction takes place. As a result, the time that a customer waits to complete the transaction is reduced due to the pre-authorization, which in essence turns the transaction into a real-time transaction. That is, on-line verification at the time of finalizing the transaction is not required.
- Patrons desiring to use the RFID transponder for effectuating the electronic transactions may sign up for activation of the RFID transponder card by registering over the Internet. As a condition for activation, a prepayment may be required as a precautionary measure against overcharging the account associated with the RFID transponder card. The card may be picked up at a participating retailer in the community. It is important to point out that the community may consist of a single retailer.
- The system of the present invention may also include a service center that supports the participating retailers. The participating retailers are the primary interface for customer queries and concerns. The service center may also guarantee payment for all transactions validated, but all account management is done via participating retailers. No statements or bills are sent to the subscriber, but they will be made available through the Internet.
- The method of the present invention involves the issuance of the RFID transponder card to a subscriber and the transactions involving the transponder card. The RFID transponder card includes an account index number electronically encoded in it. When applying for a subscriber account, a subscriber provides a choice of electronic settlement means such as a credit card or a debit card. The subscriber may also agree to a nominal initial deposit to his account of a certain amount which is debited from his settling account. The subscriber may also agree that as soon as the balance on the subscriber's account drops below a predetermined threshold, the service center is authorized to “top up” (i.e., replace the debited amount) the subscriber account from the settlement account. The subscriber will authorize that the threshold and the “top up” amounts may vary according to usage, for example. In this manner, the subscriber account balance will seldom become negative awaiting an authorization from the corresponding settling account.
- When subscribers enter the community, their corresponding RFID transponder cards are read by any of the readers located in the community and connected to the point of sale systems of participating retailers. The information read is then relayed to a real-time validator. The real-time validator is a data processor that determines that the account identified is authorized to make transactions within the community.
- When payment is due at one of the participating retailers in the community, the subscriber may only need to offer the cross-correlating input data to a secondary data input device. As mentioned before, this may be as simple as entering a PIN. The validator will then provide the participating retailer with an authorization code that guarantees the transaction. Transactions are posted to the service center until the subscriber's account falls below the specified threshold. The subscriber's account is subsequently topped up by debiting the associated settlement account.
- FIG. 1 shows a first embodiment of the
payment system 100 of the present invention. Thesystem 100 includes an RFID transponder card (the card 103), a vehicle having thecard 103 attached to its windshield; an RFID transponder card reader (reader 107); a local personal computer (PC 109); a number of participating retailers, namely, acentral tollway 111, an airport 113, aparking garage 115, and aretail outlet 117. Thesystem 100 further includes aClearinghouse 101 and abanking facility 121. - The
Clearinghouse 101, which is also referred to as the service center, may include computers and personnel to support the participating retailers for all transactions validated. The transactions may be validated in real-time by a dedicated processor (“the validator”) located at theClearinghouse location 101. Alternatively, the validator may be located at any of the locations of the participating retailers 111-117, or may be implemented as a software module running on thelocal PC 109. - The
Clearinghouse 101 is also responsible for issuing a subscriber account. Thecard 103 associated with that subscriber account may be issued by theClearinghouse 101 or by any one of the participating retailers 111-117. In the embodiment of FIG. 1, thecard 103 is in the form of a windshield sticker. Any other embodiment that may carry an RFID tag may also be used as a potential transponder card that can be used with the payment system of the present invention. Once avehicle 105 carrying thecard 103 enters a community of participating retailers, thereader 107 reads information from thecard 103 and forwards the information to alocal PC 109. Only onelocal PC 109 is shown on FIG. 1 to illustrate the use ofPC 109 by participating retailers 111-117, assuming they comprise the community. Alternatively, if the community is comprised of one participating retailer (e.g., that retailer location is too far from other participating retailers), then FIG. 1 would show alocal PC 109 for each of the individual participating retailers 111-117. Thelocal PC 109 reads the subscriber information from thecard 103 and attempts to match the information to information in a subscriber database. The subscriber database resides at the Clearinghouse, although as mentioned above a limited sub-set of the data in the database may also be stored as a flat file in thelocal PC 109. The subscriber database includes the identification number of active cards and the corresponding account numbers of current subscribers. If a match between aread card 103 and one of the active cards in the database is found, the local PC validates thecard 103. Once a card has been validated, a transaction can be requested through any POS terminal in the community. Further, the transaction will be authorized in real-time upon entering a secondary data input. - An account status corresponding to card103 is sent to the community as soon as the
card 103 is read. After the card has been validated and the transaction has been authorized, the transaction information is sent to theClearinghouse 101. TheClearinghouse 101 serves as an intermediary between the POS and the ultimate source of funds (i.e., a settlement account such as a credit card, debit card, or bank account). Instead of requesting a withdrawal from that settlement account each time a transaction is completed, theClearinghouse 101 may consolidate all the transactions finalized within a given community for a certain period of time, and request a single withdrawal. The user of thecard 103 would still be able to view a record with individual transactions viastatements 123 produced by theClearinghouse 101. Thestatements 123 may be accessed through a web site. - The preferred embodiment of the present invention does not consolidate all the transactions into a single request for withdrawal. Instead, the preferred embodiment is to request a single withdrawal before any transaction involving the
card 103 takes place. That single withdrawal is used to establish the subscriber account. - Regardless of when the single withdrawal from the settlement account takes place, the consolidation of transactions results in lower costs. For example, fees charged in connection to payment with a credit or debit card can also be consolidated. While debit card (ACH) transactions are based on a fixed fee, credit card transactions are based on a fixed fee and a percentage of the transaction. The method of the present invention consolidates, for example, low value transactions such that the fixed portion of the settlement cost is spread over multiple transactions, thus reducing the per transaction cost. The settlement cost may be defined as the cost to open subscriber's account paid in a single transaction by either debit or credit card or the amount of a single withdrawal after the transactions have been consolidated.
- For small dollar value transactions this can be dramatic. A typical debit card transaction cost is $0.20. On a $2.00 transaction, this represents 10% of the total value of the transaction. If ten such transactions are consolidated, however, and a $20.00 withdrawal from the credit or debit card is made to deposit it into the subscriber's account, the cost drops to one percent (1%) of the value of the transaction. Further, because the
Clearinghouse 101 processes a large volume of transactions, the operator of theClearinghouse 101 may negotiate better fees than the individual participating retailers. The same advantage applies for credit card settlement at low dollar values, but is less dramatic at higher dollar transactions. - The
Clearinghouse 101 essentially holds the account data that is required to clear the transaction from the transponder in the lane, and then routes that transaction for final settlement according to the data on the account associated with the transponder. In some cases this can be also done at the front end, where for example the flat file may have a credit card number associated with the tag. If the tag is set up as a pass-through account, this data will be routed to the participating bank for clearance. This may occur in the back office for each transaction. Alternatively, a pre-paid account may be used and when a low balance threshold is crossed theClearinghouse 101 will then top up the account from a designated source such as a credit or debit transaction with aBank 119, or via an ACH transaction directly into the customer'sbank 121 account. Essentially theClearinghouse 101 is a big switch that applies business rules associated with the settlement of a given transaction. - FIG. 2 illustrates a process for conducting transactions with the system of FIG. 1. The
first step 201 in the process is to have applicants subscribe to the system by filling out an application. The application may be completed by telephone or via the Internet. As part of the application process, the potential subscriber may provide a credit card number or debit card number which may be used to establish the subscriber's account. The funds required as part of the completion of each transaction within the community 203 will be withdrawn from the subscriber's account. - After the application is processed, the applicant becomes a subscriber and can thus receive
card 103. Once the subscriber receives thecard 103, the subscriber may enter the community 203 to carry out transactions withcard 103. At least one of a number of readers in the community will read thecard 103 when the card is in the vicinity of those readers, thus indicating that the subscriber is in the community. The information incard 103 is then passed from thereader 107 to thelocal PC 109. - In the
local PC 109, the reader card information is associated with an account. That account number is then sent to theClearinghouse 101, where it is validated. The Clearinghouse sends the local PC 109 a notification of the validation. Alternatively, the tag may be validated at thelocal PC 109. - When the subscriber decides to complete a transaction, for example a purchase, the subscriber need only show the
card 103 to a primary data input device, such as areader 107, connected to the POS device to complete the transaction. After a merchant enters the price of the transaction in the POS device, the transaction is completed in real-time upon a reading of thecard 103 since the card has already been validated. For security purposes, a PIN may be entered by the subscriber into the POS device for corroboration against the subscriber's account. - The
card 103 may have a duplicate that is placed on the windshield of the subscirber's car. In this manner, the windshield card is first read to indicate the presence of the subscriber in the community, while the card being carried by the subscriber is read when the transaction takes place. - Once completed, the transaction information is passed from the POS to the
local PC 109, to theClearinghouse 101. The Clearinghouse may in turn pass the transaction information to the credit/debitcard service provider 119 or may consolidate several transactions before doing so. - While this invention has been described in conjunction with the specific embodiments outlined above, it is evident that many alternatives, modifications and variations are apparent to those skilled in the art. Accordingly, the preferred embodiments of the invention as set forth above are intended to be illustrative and not limiting. Various changes may be made without departing from the spirit and scope of the invention.
Claims (26)
Priority Applications (8)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/864,442 US20020178063A1 (en) | 2001-05-25 | 2001-05-25 | Community concept for payment using RF ID transponders |
CA002449471A CA2449471A1 (en) | 2001-05-25 | 2002-05-24 | Community concept for payment using rf id transponders |
BR0210004-5A BR0210004A (en) | 2001-05-25 | 2002-05-24 | Payment system and method |
AU2002303848A AU2002303848B2 (en) | 2001-05-25 | 2002-05-24 | Community concept for payment using RF ID transponders |
MXPA03010838A MXPA03010838A (en) | 2001-05-25 | 2002-05-24 | Community concept for payment using rf id transponders. |
PCT/US2002/016310 WO2002097568A2 (en) | 2001-05-25 | 2002-05-24 | Community concept for payment using rf id transponders |
EP02731910A EP1390890A2 (en) | 2001-05-25 | 2002-05-24 | Community concept for payment using rf id transponders |
US11/084,162 US7778876B2 (en) | 2001-05-25 | 2005-03-21 | Community concept for payment using RF ID transponders |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/864,442 US20020178063A1 (en) | 2001-05-25 | 2001-05-25 | Community concept for payment using RF ID transponders |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US11/084,162 Continuation US7778876B2 (en) | 2001-05-25 | 2005-03-21 | Community concept for payment using RF ID transponders |
Publications (1)
Publication Number | Publication Date |
---|---|
US20020178063A1 true US20020178063A1 (en) | 2002-11-28 |
Family
ID=25343293
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/864,442 Abandoned US20020178063A1 (en) | 2001-05-25 | 2001-05-25 | Community concept for payment using RF ID transponders |
US11/084,162 Expired - Lifetime US7778876B2 (en) | 2001-05-25 | 2005-03-21 | Community concept for payment using RF ID transponders |
Family Applications After (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US11/084,162 Expired - Lifetime US7778876B2 (en) | 2001-05-25 | 2005-03-21 | Community concept for payment using RF ID transponders |
Country Status (7)
Country | Link |
---|---|
US (2) | US20020178063A1 (en) |
EP (1) | EP1390890A2 (en) |
AU (1) | AU2002303848B2 (en) |
BR (1) | BR0210004A (en) |
CA (1) | CA2449471A1 (en) |
MX (1) | MXPA03010838A (en) |
WO (1) | WO2002097568A2 (en) |
Cited By (107)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20020152123A1 (en) * | 1999-02-19 | 2002-10-17 | Exxonmobil Research And Engineering Company | System and method for processing financial transactions |
US20030187790A1 (en) * | 2002-03-26 | 2003-10-02 | Amy Swift | Electronic check processing systems |
US20030187786A1 (en) * | 2002-03-26 | 2003-10-02 | Amy Swift | Merchant transponder systems using electronic check processing |
US20030187796A1 (en) * | 2002-03-26 | 2003-10-02 | Amy Swift | Systems for processing transponder-based transactions |
US20030183689A1 (en) * | 2002-03-26 | 2003-10-02 | Amy Swift | Alternative payment devices using electronic check processing as a payment mechanism |
US20030225713A1 (en) * | 2002-03-08 | 2003-12-04 | Atkinson Roger F. | Prepayment system for power distribution using RFID technology |
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 |
US20040243474A1 (en) * | 2001-07-26 | 2004-12-02 | Vu Tai Duc | Method for paying for a service offered by means of a data network |
US20050091821A1 (en) * | 2003-11-03 | 2005-05-05 | Best Scott D. | Method of manufacturing an article having a radio frequency identification (RFID) device |
WO2005083949A1 (en) * | 2004-01-28 | 2005-09-09 | France Telecom | Method for selecting a portable device with an electronic tag |
US20050212168A1 (en) * | 2004-03-24 | 2005-09-29 | Graham Packaging Company, L.P. | Interchangeable mold blade |
US20050234778A1 (en) * | 2004-04-15 | 2005-10-20 | David Sperduti | Proximity transaction apparatus and methods of use thereof |
US20050240587A1 (en) * | 2002-05-29 | 2005-10-27 | Akiko Asami | Information processing system |
US20050258245A1 (en) * | 2004-05-20 | 2005-11-24 | Bates Peter K | Radio frequency fobs and methods of using the same |
WO2006045151A1 (en) * | 2004-10-26 | 2006-05-04 | Transurban Limited | Transaction system and method |
US20060136742A1 (en) * | 2000-12-27 | 2006-06-22 | Giobbi John J | Personal digital key and receiver/decoder circuit system and method |
US20060143441A1 (en) * | 2004-12-20 | 2006-06-29 | Giobbi John J | Biometric personal data key (pdk) authentication |
US7083085B1 (en) | 2005-05-12 | 2006-08-01 | International Business Machines Corporation | Verifying financial services card transactions using tags |
FR2882481A1 (en) * | 2005-02-24 | 2006-08-25 | Christophe Michel Reveillon | Telecommunication network for shop, has allocating computer sending managed information of apparatus, allocated to corresponding allocating file to managing computer that has comparator to compare managing files with allocating files |
US20060202304A1 (en) * | 2005-03-11 | 2006-09-14 | Orr Raymond K | Integrated circuit with temperature-controlled component |
US20070197261A1 (en) * | 2004-03-19 | 2007-08-23 | Humbel Roger M | Mobile Telephone All In One Remote Key Or Software Regulating Card For Radio Bicycle Locks, Cars, Houses, And Rfid Tags, With Authorisation And Payment Function |
US20070245158A1 (en) * | 2005-11-30 | 2007-10-18 | Giobbi John J | Single step transaction authentication using proximity and biometric input |
US20070260562A1 (en) * | 2006-03-23 | 2007-11-08 | Exceleron Software, Inc. | System and method for prepay account management system |
US7314164B2 (en) * | 2004-07-01 | 2008-01-01 | American Express Travel Related Services Company, Inc. | System for biometric security using a smartcard |
US7341181B2 (en) * | 2004-07-01 | 2008-03-11 | American Express Travel Related Services Company, Inc. | Method for biometric security using a smartcard |
US20080070569A1 (en) * | 2006-09-07 | 2008-03-20 | Shelley John T | Proximity order processing system |
US20080126259A1 (en) * | 2003-08-07 | 2008-05-29 | Thomas Richard Lowman | System and method for providing signal compatability |
WO2008068790A2 (en) * | 2006-12-04 | 2008-06-12 | Mario Quintilio | Multifunctional apparatus for visually handicapped persons |
WO2008074051A1 (en) * | 2006-12-19 | 2008-06-26 | Transurban Limited | Transaction system for use in authorising cashless transactions |
US20090048936A1 (en) * | 2007-04-13 | 2009-02-19 | Lerch John W | Method and system for RFID transaction integrity utilizing an EEPROM |
US20090106157A1 (en) * | 2001-07-10 | 2009-04-23 | Xatra Fund Mx, Llc | Funding a Radio Frequency Device Transaction |
US20090192906A1 (en) * | 2000-08-01 | 2009-07-30 | Jpmorgan Chase Bank, N.A. | System and Method for Transponder-Enabled Account Transactions |
US7650314B1 (en) | 2001-05-25 | 2010-01-19 | American Express Travel Related Services Company, Inc. | System and method for securing a recurrent billing transaction |
US7668750B2 (en) | 2001-07-10 | 2010-02-23 | David S Bonalle | Securing RF transactions using a transactions counter |
US7690577B2 (en) | 2001-07-10 | 2010-04-06 | Blayn W Beenau | Registering a biometric for radio frequency transactions |
US7694876B2 (en) | 2001-07-10 | 2010-04-13 | American Express Travel Related Services Company, Inc. | Method and system for tracking user performance |
US7705732B2 (en) | 2001-07-10 | 2010-04-27 | Fred Bishop | Authenticating an RF transaction using a transaction counter |
US7725427B2 (en) | 2001-05-25 | 2010-05-25 | Fred Bishop | Recurrent billing maintenance with radio frequency payment devices |
US7735725B1 (en) | 2001-07-10 | 2010-06-15 | Fred Bishop | Processing an RF transaction using a routing number |
US7746215B1 (en) | 2001-07-10 | 2010-06-29 | Fred Bishop | RF transactions using a wireless reader grid |
US7747463B1 (en) | 1998-06-22 | 2010-06-29 | Jpmorgan Chase Bank, N.A. | Debit purchasing of stored value card for use by and/or delivery to others |
US7765164B1 (en) | 2001-09-21 | 2010-07-27 | Yt Acquisition Corporation | System and method for offering in-lane periodical subscriptions |
US7762457B2 (en) | 2001-07-10 | 2010-07-27 | American Express Travel Related Services Company, Inc. | System and method for dynamic fob synchronization and personalization |
US7769695B2 (en) | 2001-09-21 | 2010-08-03 | Yt Acquisition Corporation | System and method for purchase benefits at a point of sale |
US7768379B2 (en) | 2001-07-10 | 2010-08-03 | American Express Travel Related Services Company, Inc. | Method and system for a travel-related multi-function fob |
US7778933B2 (en) | 2001-09-21 | 2010-08-17 | Yt Acquisition Corporation | System and method for categorizing transactions |
US7793845B2 (en) | 2004-07-01 | 2010-09-14 | American Express Travel Related Services Company, Inc. | Smartcard transaction system and method |
US7801799B1 (en) | 1998-11-17 | 2010-09-21 | Jpmorgan Chase Bank, N.A. | Customer activated multi-value (CAM) card |
US7798415B1 (en) | 2004-05-20 | 2010-09-21 | American Express Travel Realted Services Company, Inc. | Wireless transaction fobs and methods of using the same |
US7805368B2 (en) | 1998-06-22 | 2010-09-28 | Jpmorgan Chase Bank, N.A. | Debit purchasing of stored value card for use by and/or delivery to others |
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 |
US7809595B2 (en) | 2002-09-17 | 2010-10-05 | Jpmorgan Chase Bank, Na | System and method for managing risks associated with outside service providers |
US7814332B2 (en) | 2001-07-10 | 2010-10-12 | Blayn W Beenau | Voiceprint biometrics on a payment device |
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 |
US7835960B2 (en) | 2000-03-07 | 2010-11-16 | American Express Travel Related Services Company, Inc. | System for facilitating a transaction |
US7836485B2 (en) | 2001-09-21 | 2010-11-16 | Robinson Timothy L | System and method for enrolling in a biometric system |
US7837116B2 (en) | 1999-09-07 | 2010-11-23 | American Express Travel Related Services Company, Inc. | Transaction card |
US7860789B2 (en) | 2001-07-24 | 2010-12-28 | Jpmorgan Chase Bank, N.A. | Multiple account advanced payment card and method of routing card transactions |
US7899753B1 (en) | 2002-03-25 | 2011-03-01 | Jpmorgan Chase Bank, N.A | Systems and methods for time variable financial authentication |
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 |
US20110166967A1 (en) * | 2010-01-04 | 2011-07-07 | Robert Bernstein | Transaction monitor |
US7988038B2 (en) | 2001-07-10 | 2011-08-02 | Xatra Fund Mx, Llc | System for biometric security using a fob |
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 |
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 |
US8020754B2 (en) | 2001-08-13 | 2011-09-20 | Jpmorgan Chase Bank, N.A. | System and method for funding a collective account by use of an electronic tag |
USRE43157E1 (en) | 2002-09-12 | 2012-02-07 | Xatra Fund Mx, Llc | System and method for reassociating an account number to another transaction account |
US8145549B2 (en) | 2003-05-30 | 2012-03-27 | Jpmorgan Chase Bank, N.A. | System and method for offering risk-based interest rates in a credit instutment |
US8200980B1 (en) | 2001-09-21 | 2012-06-12 | Open Invention Network, Llc | System and method for enrolling in a biometric system |
USRE43460E1 (en) | 2000-01-21 | 2012-06-12 | Xatra Fund Mx, Llc | Public/private dual card system and method |
US8214299B2 (en) | 1999-08-31 | 2012-07-03 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions |
US8279042B2 (en) | 2001-07-10 | 2012-10-02 | Xatra Fund Mx, Llc | Iris scan biometrics on a payment device |
US8289136B2 (en) | 2001-07-10 | 2012-10-16 | Xatra Fund Mx, Llc | Hand geometry biometrics on a payment device |
US8294552B2 (en) | 2001-07-10 | 2012-10-23 | Xatra Fund Mx, Llc | Facial scan biometrics on a payment device |
US8423476B2 (en) | 1999-08-31 | 2013-04-16 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions |
US8429041B2 (en) | 2003-05-09 | 2013-04-23 | American Express Travel Related Services Company, Inc. | Systems and methods for managing account information lifecycles |
US8447670B1 (en) | 2005-05-27 | 2013-05-21 | Jp Morgan Chase Bank, N.A. | Universal payment protection |
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 |
US8543423B2 (en) | 2002-07-16 | 2013-09-24 | American Express Travel Related Services Company, Inc. | Method and apparatus for enrolling with multiple transaction environments |
US8635131B1 (en) | 2001-07-10 | 2014-01-21 | American Express Travel Related Services Company, Inc. | System and method for managing a transaction protocol |
US8751391B2 (en) | 2002-03-29 | 2014-06-10 | Jpmorgan Chase Bank, N.A. | System and process for performing purchase transactions using tokens |
US8793160B2 (en) | 1999-12-07 | 2014-07-29 | Steve Sorem | System and method for processing transactions |
US8872619B2 (en) | 2001-07-10 | 2014-10-28 | Xatra Fund Mx, Llc | Securing a transaction between a transponder and a reader |
US8893977B2 (en) | 2010-04-08 | 2014-11-25 | Access Business Group International Llc | Point of sale inductive systems and methods |
US8960535B2 (en) | 2001-07-10 | 2015-02-24 | Iii Holdings 1, Llc | Method and system for resource management and evaluation |
US20150109101A1 (en) * | 2013-10-20 | 2015-04-23 | VenGo, LLC | System and Method for Reading Multiple RFIDs |
US9024719B1 (en) | 2001-07-10 | 2015-05-05 | Xatra Fund Mx, Llc | RF transaction system and method for storing user personal data |
US9031880B2 (en) | 2001-07-10 | 2015-05-12 | Iii Holdings 1, Llc | Systems and methods for non-traditional payment using biometric data |
USRE45615E1 (en) | 2001-07-10 | 2015-07-14 | Xatra Fund Mx, Llc | RF transaction device |
US9189788B1 (en) | 2001-09-21 | 2015-11-17 | Open Invention Network, Llc | System and method for verifying identity |
US20160026782A1 (en) * | 2012-03-23 | 2016-01-28 | Microsoft Technology Licensing, Llc | Personal Identification Combining Proximity Sensing with Biometrics |
US9454752B2 (en) | 2001-07-10 | 2016-09-27 | Chartoleaux Kg Limited Liability Company | Reload protocol at a transaction processing entity |
US9881294B2 (en) | 2001-07-10 | 2018-01-30 | Chartoleaux Kg Limited Liability Company | RF payment via a mobile device |
US10282536B1 (en) | 2002-03-29 | 2019-05-07 | Jpmorgan Chase Bank, N.A. | Method and system for performing purchase and other transactions using tokens with multiple chips |
US10769939B2 (en) | 2007-11-09 | 2020-09-08 | Proxense, Llc | Proximity-sensor supporting multiple application services |
US10909229B2 (en) | 2013-05-10 | 2021-02-02 | Proxense, Llc | Secure element as a digital pocket |
US10943471B1 (en) | 2006-11-13 | 2021-03-09 | Proxense, Llc | Biometric authentication using proximity and secure information on a user device |
US10971251B1 (en) | 2008-02-14 | 2021-04-06 | Proxense, Llc | Proximity-based healthcare management system with automatic access to private information |
US11080378B1 (en) | 2007-12-06 | 2021-08-03 | Proxense, Llc | Hybrid device having a personal digital key and receiver-decoder circuit and methods of use |
US11086979B1 (en) | 2007-12-19 | 2021-08-10 | Proxense, Llc | Security system and method for controlling access to computing resources |
US11095640B1 (en) | 2010-03-15 | 2021-08-17 | Proxense, Llc | Proximity-based system for automatic application or data access and item tracking |
US11113482B1 (en) | 2011-02-21 | 2021-09-07 | Proxense, Llc | Implementation of a proximity-based system for object tracking and automatic application initialization |
US11120449B2 (en) | 2008-04-08 | 2021-09-14 | Proxense, Llc | Automated service-based order processing |
US11206664B2 (en) | 2006-01-06 | 2021-12-21 | Proxense, Llc | Wireless network synchronization of cells and client devices on a network |
US11258791B2 (en) | 2004-03-08 | 2022-02-22 | Proxense, Llc | Linked account system using personal digital key (PDK-LAS) |
US11546325B2 (en) | 2010-07-15 | 2023-01-03 | Proxense, Llc | Proximity-based system for object tracking |
US11553481B2 (en) | 2006-01-06 | 2023-01-10 | Proxense, Llc | Wireless network synchronization of cells and client devices on a network |
US11922395B2 (en) | 2022-01-18 | 2024-03-05 | Proxense, Llc | Linked account system using personal digital key (PDK-LAS) |
Families Citing this family (16)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20050242177A1 (en) * | 2004-04-28 | 2005-11-03 | Dexit Inc. | RFID-based system and method of conducting financial transactions |
PT1740571E (en) * | 2004-04-28 | 2009-09-02 | Hetero Drugs Ltd | A process for preparing pyridinylmethyl-1h- benzimidazole compounds in enantiomerically enriched form or as single enantiomers |
US20060012479A1 (en) * | 2004-06-18 | 2006-01-19 | Meir Ezra | Fuel dispensing system |
FR2903545B1 (en) * | 2006-07-04 | 2008-09-26 | Mobilysim Sarl | DISTRIBUTION OF ELECTRONIC TITLES BY RADIO FREQUENCY |
US20080164307A1 (en) * | 2007-01-05 | 2008-07-10 | Microsoft Corporation | Performing transactions with universal transaction card |
US9280776B2 (en) * | 2007-01-05 | 2016-03-08 | Microsoft Technology Licensing, Llc | Delivering content based on physical object characteristics |
US8302847B2 (en) * | 2007-07-26 | 2012-11-06 | Rfautomotiveid, Llc. | RFID parking tag and method of monitoring vehicle parking |
US20090057401A1 (en) * | 2007-08-31 | 2009-03-05 | Drb Systems, Incorporated | System and methods for providing prepaid car wash or lube services |
AU2008328538B2 (en) * | 2007-11-23 | 2015-04-30 | Walnab Pty Ltd | An authorisation system |
ES2350775B1 (en) * | 2008-04-14 | 2011-10-10 | Avenida Diagonal 477, S.L | AUTHORIZATION PROCEDURE FOR A TRANSACTION BETWEEN A COMPUTER AND A REMOTE SERVER AND COMMUNICATION SYSTEM, WITH IMPROVED SECURITY. |
US20100214058A1 (en) * | 2009-02-24 | 2010-08-26 | Visa U.S.A. Inc. | Security access method and system |
US8783438B2 (en) | 2012-11-30 | 2014-07-22 | Heb Grocery Company, L.P. | Diverter arm for retail checkstand and retail checkstands and methods incorporating same |
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 |
US20180276674A1 (en) * | 2014-03-28 | 2018-09-27 | Confia Systems, Inc. | Secure Transactions from a Connected Automobile Based on Location and Machine Identity |
SG10201405800QA (en) * | 2014-09-17 | 2016-04-28 | Exxonmobil Res & Eng Co | Fuel Dispensing System |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5495981A (en) * | 1994-02-04 | 1996-03-05 | Warther; Richard O. | Transaction card mailer and method of making |
US6366220B1 (en) * | 2000-11-08 | 2002-04-02 | Bbnt Solutions Llc | RF tag based system and method for drive-through applications |
Family Cites Families (11)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5144553A (en) * | 1990-05-17 | 1992-09-01 | Hassett John J | Electronic vehicle toll collection system and method |
US5892441A (en) * | 1996-06-26 | 1999-04-06 | Par Government Systems Corporation | Sensing with active electronic tags |
US5819234A (en) * | 1996-07-29 | 1998-10-06 | The Chase Manhattan Bank | Toll collection system |
US6446049B1 (en) * | 1996-10-25 | 2002-09-03 | Pole/Zero Corporation | Method and apparatus for transmitting a digital information signal and vending system incorporating same |
US5899980A (en) * | 1997-08-11 | 1999-05-04 | Trivnet Ltd. | Retail method over a wide area network |
US6073840A (en) * | 1997-09-26 | 2000-06-13 | Gilbarco Inc. | Fuel dispensing and retail system providing for transponder prepayment |
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 |
US6332128B1 (en) * | 1998-07-23 | 2001-12-18 | Autogas Systems, Inc. | System and method of providing multiple level discounts on cross-marketed products and discounting a price-per-unit-volume of gasoline |
US6778967B1 (en) * | 1999-10-05 | 2004-08-17 | Auto Gas Systems, Inc. | System and method of cross-selling products and increasing fuel sales at a fuel service station |
US6354493B1 (en) * | 1999-12-23 | 2002-03-12 | Sensormatic Electronics Corporation | System and method for finding a specific RFID tagged article located in a plurality of RFID tagged articles |
US7128652B1 (en) * | 2000-10-13 | 2006-10-31 | Oneida Indian Nation | System, method, and article of manufacture for gaming from an off-site location |
-
2001
- 2001-05-25 US US09/864,442 patent/US20020178063A1/en not_active Abandoned
-
2002
- 2002-05-24 BR BR0210004-5A patent/BR0210004A/en not_active IP Right Cessation
- 2002-05-24 EP EP02731910A patent/EP1390890A2/en not_active Withdrawn
- 2002-05-24 WO PCT/US2002/016310 patent/WO2002097568A2/en not_active Application Discontinuation
- 2002-05-24 MX MXPA03010838A patent/MXPA03010838A/en not_active Application Discontinuation
- 2002-05-24 CA CA002449471A patent/CA2449471A1/en not_active Abandoned
- 2002-05-24 AU AU2002303848A patent/AU2002303848B2/en not_active Expired
-
2005
- 2005-03-21 US US11/084,162 patent/US7778876B2/en not_active Expired - Lifetime
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5495981A (en) * | 1994-02-04 | 1996-03-05 | Warther; Richard O. | Transaction card mailer and method of making |
US6366220B1 (en) * | 2000-11-08 | 2002-04-02 | Bbnt Solutions Llc | RF tag based system and method for drive-through applications |
Cited By (189)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7747463B1 (en) | 1998-06-22 | 2010-06-29 | Jpmorgan Chase Bank, N.A. | Debit purchasing of stored value card for use by and/or delivery to others |
US7805368B2 (en) | 1998-06-22 | 2010-09-28 | Jpmorgan Chase Bank, N.A. | Debit purchasing of stored value card for use by and/or delivery to others |
US7809643B2 (en) | 1998-06-22 | 2010-10-05 | Jpmorgan Chase Bank, N.A. | Debit purchasing of stored value card for use by and/or delivery to others |
US7809642B1 (en) | 1998-06-22 | 2010-10-05 | Jpmorgan Chase Bank, N.A. | Debit purchasing of stored value card for use by and/or delivery to others |
US7818253B2 (en) | 1998-06-22 | 2010-10-19 | Jpmorgan Chase Bank, N.A. | Debit purchasing of stored value card for use by and/or delivery to others |
US8005756B2 (en) | 1998-06-22 | 2011-08-23 | Jpmorgan Chase Bank, N.A. | Debit purchasing of stored value card for use by and/or delivery to others |
US7801799B1 (en) | 1998-11-17 | 2010-09-21 | Jpmorgan Chase Bank, N.A. | Customer activated multi-value (CAM) card |
US8538801B2 (en) * | 1999-02-19 | 2013-09-17 | Exxonmobile Research & Engineering Company | System and method for processing financial transactions |
US20020152123A1 (en) * | 1999-02-19 | 2002-10-17 | Exxonmobil Research And Engineering Company | System and method for processing financial transactions |
US8214299B2 (en) | 1999-08-31 | 2012-07-03 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions |
US8489513B2 (en) | 1999-08-31 | 2013-07-16 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions |
US8433658B2 (en) | 1999-08-31 | 2013-04-30 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions |
US8423476B2 (en) | 1999-08-31 | 2013-04-16 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions |
US9519894B2 (en) | 1999-08-31 | 2016-12-13 | Gula Consulting Limited Liability Company | Methods and apparatus for conducting electronic transactions |
US8938402B2 (en) | 1999-08-31 | 2015-01-20 | Lead Core Fund, L.L.C. | Methods and apparatus for conducting electronic transactions |
US8924310B2 (en) | 1999-08-31 | 2014-12-30 | Lead Core Fund, L.L.C. | Methods and apparatus for conducting electronic transactions |
US7837116B2 (en) | 1999-09-07 | 2010-11-23 | American Express Travel Related Services Company, Inc. | Transaction card |
US8191788B2 (en) | 1999-09-07 | 2012-06-05 | American Express Travel Related Services Company, Inc. | Transaction card |
US8793160B2 (en) | 1999-12-07 | 2014-07-29 | Steve Sorem | System and method for processing transactions |
USRE43460E1 (en) | 2000-01-21 | 2012-06-12 | Xatra Fund Mx, Llc | Public/private dual card system and method |
US7835960B2 (en) | 2000-03-07 | 2010-11-16 | American Express Travel Related Services Company, Inc. | System for facilitating a transaction |
US8818907B2 (en) | 2000-03-07 | 2014-08-26 | Xatra Fund Mx, Llc | Limiting access to account information during a radio frequency transaction |
US8781905B2 (en) | 2000-08-01 | 2014-07-15 | Jpmorgan Chase Bank, N.A. | System and method for transponder-enabled account transactions |
US8781904B2 (en) * | 2000-08-01 | 2014-07-15 | Jpmorgan Chase Bank, N.A. | System and method for transponder-enabled account transactions |
US20090192906A1 (en) * | 2000-08-01 | 2009-07-30 | Jpmorgan Chase Bank, N.A. | System and Method for Transponder-Enabled Account Transactions |
US7702538B2 (en) | 2000-08-01 | 2010-04-20 | Jpmorgan Chase Bank, N.A. | System and method for transponder-enabled account transactions |
US20060136742A1 (en) * | 2000-12-27 | 2006-06-22 | Giobbi John J | Personal digital key and receiver/decoder circuit system and method |
US9613483B2 (en) * | 2000-12-27 | 2017-04-04 | Proxense, Llc | Personal digital key and receiver/decoder circuit system and method |
US10026253B2 (en) | 2000-12-27 | 2018-07-17 | Proxense, Llc | Personal digital key and receiver/decoder circuit system and method |
US7725427B2 (en) | 2001-05-25 | 2010-05-25 | Fred Bishop | Recurrent billing maintenance with radio frequency payment devices |
US7650314B1 (en) | 2001-05-25 | 2010-01-19 | American Express Travel Related Services Company, Inc. | System and method for securing a recurrent billing transaction |
US7690577B2 (en) | 2001-07-10 | 2010-04-06 | Blayn W Beenau | Registering a biometric for radio frequency transactions |
US8960535B2 (en) | 2001-07-10 | 2015-02-24 | Iii Holdings 1, Llc | Method and system for resource management and evaluation |
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 |
US10839388B2 (en) | 2001-07-10 | 2020-11-17 | Liberty Peak Ventures, Llc | Funding a radio frequency device transaction |
US8294552B2 (en) | 2001-07-10 | 2012-10-23 | Xatra Fund Mx, Llc | Facial scan biometrics on a payment device |
US8289136B2 (en) | 2001-07-10 | 2012-10-16 | Xatra Fund Mx, Llc | Hand geometry biometrics on a payment device |
US9886692B2 (en) | 2001-07-10 | 2018-02-06 | Chartoleaux Kg Limited Liability Company | Securing a transaction between a transponder and a reader |
US9881294B2 (en) | 2001-07-10 | 2018-01-30 | Chartoleaux Kg Limited Liability Company | RF payment via a mobile device |
US20090106157A1 (en) * | 2001-07-10 | 2009-04-23 | Xatra Fund Mx, Llc | Funding a Radio Frequency Device Transaction |
US8284025B2 (en) | 2001-07-10 | 2012-10-09 | Xatra Fund Mx, Llc | Method and system for auditory recognition biometrics on a FOB |
US8279042B2 (en) | 2001-07-10 | 2012-10-02 | Xatra Fund Mx, Llc | Iris scan biometrics on a payment device |
US8548927B2 (en) | 2001-07-10 | 2013-10-01 | Xatra Fund Mx, Llc | Biometric registration for facilitating an RF transaction |
US8266056B2 (en) | 2001-07-10 | 2012-09-11 | American Express Travel Related Services Company, Inc. | System and method for manufacturing a punch-out RFID transaction device |
US7668750B2 (en) | 2001-07-10 | 2010-02-23 | David S Bonalle | Securing RF transactions using a transactions counter |
US8635131B1 (en) | 2001-07-10 | 2014-01-21 | American Express Travel Related Services Company, Inc. | System and method for managing a transaction protocol |
US9454752B2 (en) | 2001-07-10 | 2016-09-27 | Chartoleaux Kg Limited Liability Company | Reload protocol at a transaction processing entity |
US7694876B2 (en) | 2001-07-10 | 2010-04-13 | American Express Travel Related Services Company, Inc. | Method and system for tracking user performance |
US9336634B2 (en) | 2001-07-10 | 2016-05-10 | Chartoleaux Kg Limited Liability Company | Hand geometry biometrics on a payment device |
US7705732B2 (en) | 2001-07-10 | 2010-04-27 | Fred Bishop | Authenticating an RF transaction using a transaction counter |
US8074889B2 (en) | 2001-07-10 | 2011-12-13 | Xatra Fund Mx, Llc | System for biometric security using a fob |
US7735725B1 (en) | 2001-07-10 | 2010-06-15 | Fred Bishop | Processing an RF transaction using a routing number |
US7746215B1 (en) | 2001-07-10 | 2010-06-29 | Fred Bishop | RF transactions using a wireless reader grid |
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 |
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 |
US7762457B2 (en) | 2001-07-10 | 2010-07-27 | American Express Travel Related Services Company, Inc. | System and method for dynamic fob synchronization and personalization |
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 |
US7768379B2 (en) | 2001-07-10 | 2010-08-03 | American Express Travel Related Services Company, Inc. | Method and system for a travel-related multi-function fob |
US7988038B2 (en) | 2001-07-10 | 2011-08-02 | Xatra Fund Mx, Llc | System for biometric security using a fob |
USRE45615E1 (en) | 2001-07-10 | 2015-07-14 | Xatra Fund Mx, Llc | RF transaction device |
US9031880B2 (en) | 2001-07-10 | 2015-05-12 | Iii Holdings 1, Llc | Systems and methods for non-traditional payment using biometric data |
US9024719B1 (en) | 2001-07-10 | 2015-05-05 | Xatra Fund Mx, Llc | RF transaction system and method for storing user personal data |
USRE45416E1 (en) | 2001-07-10 | 2015-03-17 | Xatra Fund Mx, Llc | Processing an RF transaction using a routing number |
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 |
US8872619B2 (en) | 2001-07-10 | 2014-10-28 | Xatra Fund Mx, Llc | Securing a transaction between a transponder and a reader |
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 |
US7886157B2 (en) | 2001-07-10 | 2011-02-08 | Xatra Fund Mx, Llc | Hand geometry recognition biometrics on a fob |
US7814332B2 (en) | 2001-07-10 | 2010-10-12 | Blayn W Beenau | Voiceprint biometrics on a payment device |
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 |
US7890422B1 (en) | 2001-07-24 | 2011-02-15 | Jpmorgan Chase Bank, N.A. | Multiple account advanced payment card and method of routing card transactions |
US8515868B2 (en) | 2001-07-24 | 2013-08-20 | Jpmorgan Chase Bank, N.A. | Multiple account advanced payment card and method of routing card transactions |
US8751383B2 (en) | 2001-07-24 | 2014-06-10 | Jpmorgan Chase Bank, N.A. | Multiple account advanced payment card and method of routing card transactions |
US7860789B2 (en) | 2001-07-24 | 2010-12-28 | Jpmorgan Chase Bank, N.A. | Multiple account advanced payment card and method of routing card transactions |
US20040243474A1 (en) * | 2001-07-26 | 2004-12-02 | Vu Tai Duc | Method for paying for a service offered by means of a data network |
US8595131B2 (en) * | 2001-07-26 | 2013-11-26 | Giesecke & Devrient Gmbh | Method for paying for a service offered by means of a data network |
US8020754B2 (en) | 2001-08-13 | 2011-09-20 | Jpmorgan Chase Bank, N.A. | System and method for funding a collective account by use of an electronic tag |
US8341421B1 (en) | 2001-09-21 | 2012-12-25 | Open Invention Network LLP | System and method for enrolling in a biometric system |
US7765164B1 (en) | 2001-09-21 | 2010-07-27 | Yt Acquisition Corporation | System and method for offering in-lane periodical subscriptions |
US8200980B1 (en) | 2001-09-21 | 2012-06-12 | Open Invention Network, Llc | System and method for enrolling in a biometric system |
US7836485B2 (en) | 2001-09-21 | 2010-11-16 | Robinson Timothy L | System and method for enrolling in a biometric system |
US9189788B1 (en) | 2001-09-21 | 2015-11-17 | Open Invention Network, Llc | System and method for verifying identity |
US7778933B2 (en) | 2001-09-21 | 2010-08-17 | Yt Acquisition Corporation | System and method for categorizing transactions |
US7769695B2 (en) | 2001-09-21 | 2010-08-03 | Yt Acquisition Corporation | System and method for purchase benefits at a point of sale |
US20030225713A1 (en) * | 2002-03-08 | 2003-12-04 | Atkinson Roger F. | Prepayment system for power distribution using RFID technology |
US9240089B2 (en) | 2002-03-25 | 2016-01-19 | Jpmorgan Chase Bank, N.A. | Systems and methods for time variable financial authentication |
US7899753B1 (en) | 2002-03-25 | 2011-03-01 | Jpmorgan Chase Bank, N.A | Systems and methods for time variable financial authentication |
US20080116268A1 (en) * | 2002-03-26 | 2008-05-22 | First Data Corporation | Alternative payment devices using electronic check processing as a payment mechanism |
US7131571B2 (en) * | 2002-03-26 | 2006-11-07 | First Data Corporation | Alternative payment devices using electronic check processing as a payment mechanism |
US20030183689A1 (en) * | 2002-03-26 | 2003-10-02 | Amy Swift | Alternative payment devices using electronic check processing as a payment mechanism |
US20030187790A1 (en) * | 2002-03-26 | 2003-10-02 | Amy Swift | Electronic check processing systems |
US7543736B2 (en) * | 2002-03-26 | 2009-06-09 | 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 |
US7350697B2 (en) | 2002-03-26 | 2008-04-01 | First Data Corporation | Alternative payment devices using electronic check processing as a payment mechanism |
US20060273165A1 (en) * | 2002-03-26 | 2006-12-07 | Amy Swift | Alternative payment devices using electronic check processing as a payment mechanism |
US7925576B2 (en) | 2002-03-26 | 2011-04-12 | First Data Corporation | Systems for processing transponder-based transactions |
US20030187796A1 (en) * | 2002-03-26 | 2003-10-02 | Amy Swift | Systems for processing transponder-based transactions |
US10282536B1 (en) | 2002-03-29 | 2019-05-07 | Jpmorgan Chase Bank, N.A. | Method and system for performing purchase and other transactions using tokens with multiple chips |
US8751391B2 (en) | 2002-03-29 | 2014-06-10 | Jpmorgan Chase Bank, N.A. | System and process for performing purchase transactions using tokens |
US20050240587A1 (en) * | 2002-05-29 | 2005-10-27 | Akiko Asami | Information processing system |
US8543423B2 (en) | 2002-07-16 | 2013-09-24 | American Express Travel Related Services Company, Inc. | Method and apparatus for enrolling with multiple transaction environments |
USRE43157E1 (en) | 2002-09-12 | 2012-02-07 | Xatra Fund Mx, Llc | System and method for reassociating an account number to another transaction account |
US7809595B2 (en) | 2002-09-17 | 2010-10-05 | Jpmorgan Chase Bank, Na | System and method for managing risks associated with outside service providers |
US8429041B2 (en) | 2003-05-09 | 2013-04-23 | American Express Travel Related Services Company, Inc. | Systems and methods for managing account information lifecycles |
US8306907B2 (en) | 2003-05-30 | 2012-11-06 | Jpmorgan Chase Bank N.A. | System and method for offering risk-based interest rates in a credit instrument |
US8145549B2 (en) | 2003-05-30 | 2012-03-27 | Jpmorgan Chase Bank, N.A. | System and method for offering risk-based interest rates in a credit instutment |
US20080126259A1 (en) * | 2003-08-07 | 2008-05-29 | Thomas Richard Lowman | System and method for providing signal compatability |
US20050091821A1 (en) * | 2003-11-03 | 2005-05-05 | Best Scott D. | Method of manufacturing an article having a radio frequency identification (RFID) device |
WO2005083949A1 (en) * | 2004-01-28 | 2005-09-09 | France Telecom | Method for selecting a portable device with an electronic tag |
US11258791B2 (en) | 2004-03-08 | 2022-02-22 | Proxense, Llc | Linked account system using personal digital key (PDK-LAS) |
US20070197261A1 (en) * | 2004-03-19 | 2007-08-23 | Humbel Roger M | Mobile Telephone All In One Remote Key Or Software Regulating Card For Radio Bicycle Locks, Cars, Houses, And Rfid Tags, With Authorisation And Payment Function |
US20050212168A1 (en) * | 2004-03-24 | 2005-09-29 | Graham Packaging Company, L.P. | Interchangeable mold blade |
WO2005101337A1 (en) * | 2004-04-15 | 2005-10-27 | Hand Held Products, Inc. | Proximity transaction apparatus and methods of use thereof |
US10121140B2 (en) | 2004-04-15 | 2018-11-06 | Hand Held Products, Inc. | Proximity transaction apparatus and methods of use thereof |
US8407097B2 (en) | 2004-04-15 | 2013-03-26 | Hand Held Products, Inc. | Proximity transaction apparatus and methods of use thereof |
US20050234778A1 (en) * | 2004-04-15 | 2005-10-20 | David Sperduti | Proximity transaction apparatus and methods of use thereof |
US8157181B2 (en) | 2004-05-20 | 2012-04-17 | American Express Travel Related Services Company, Inc. | Wireless transaction fobs and methods of using the same |
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 |
US20050258245A1 (en) * | 2004-05-20 | 2005-11-24 | Bates Peter K | Radio frequency fobs and methods of using the same |
US7793845B2 (en) | 2004-07-01 | 2010-09-14 | American Express Travel Related Services Company, Inc. | Smartcard transaction system and method |
US7341181B2 (en) * | 2004-07-01 | 2008-03-11 | American Express Travel Related Services Company, Inc. | Method for biometric security using a smartcard |
US7314164B2 (en) * | 2004-07-01 | 2008-01-01 | American Express Travel Related Services Company, Inc. | System for biometric security using a smartcard |
US8016191B2 (en) | 2004-07-01 | 2011-09-13 | American Express Travel Related Services Company, Inc. | Smartcard transaction system and method |
US8275664B2 (en) | 2004-10-26 | 2012-09-25 | The Coca-Cola Company | Transaction system and method |
JP2008518332A (en) * | 2004-10-26 | 2008-05-29 | ザ・コカ−コーラ・カンパニー | Transaction system and method |
AU2005299252B2 (en) * | 2004-10-26 | 2012-01-19 | The Coca-Cola Company | Transaction system and method |
CN101084516A (en) * | 2004-10-26 | 2007-12-05 | 可口可乐公司 | Transaction system and method |
WO2006045151A1 (en) * | 2004-10-26 | 2006-05-04 | Transurban Limited | Transaction system and method |
US20080167966A1 (en) * | 2004-10-26 | 2008-07-10 | The Coca-Cola Company | Transaction System and Method |
US10437976B2 (en) | 2004-12-20 | 2019-10-08 | Proxense, Llc | Biometric personal data key (PDK) authentication |
US8352730B2 (en) | 2004-12-20 | 2013-01-08 | Proxense, Llc | Biometric personal data key (PDK) authentication |
US8886954B1 (en) | 2004-12-20 | 2014-11-11 | Proxense, Llc | Biometric personal data key (PDK) authentication |
US9298905B1 (en) | 2004-12-20 | 2016-03-29 | Proxense, Llc | Biometric personal data key (PDK) authentication |
US20060143441A1 (en) * | 2004-12-20 | 2006-06-29 | Giobbi John J | Biometric personal data key (pdk) authentication |
US10698989B2 (en) | 2004-12-20 | 2020-06-30 | Proxense, Llc | Biometric personal data key (PDK) authentication |
FR2882481A1 (en) * | 2005-02-24 | 2006-08-25 | Christophe Michel Reveillon | Telecommunication network for shop, has allocating computer sending managed information of apparatus, allocated to corresponding allocating file to managing computer that has comparator to compare managing files with allocating files |
US20060202304A1 (en) * | 2005-03-11 | 2006-09-14 | Orr Raymond K | Integrated circuit with temperature-controlled component |
US7083085B1 (en) | 2005-05-12 | 2006-08-01 | International Business Machines Corporation | Verifying financial services card transactions using tags |
US8447670B1 (en) | 2005-05-27 | 2013-05-21 | Jp Morgan Chase Bank, N.A. | Universal payment protection |
US8473395B1 (en) | 2005-05-27 | 2013-06-25 | Jpmorgan Chase Bank, Na | Universal payment protection |
US8447672B2 (en) | 2005-05-27 | 2013-05-21 | Jp Morgan Chase Bank, N.A. | Universal payment protection |
US20070245158A1 (en) * | 2005-11-30 | 2007-10-18 | Giobbi John J | Single step transaction authentication using proximity and biometric input |
US9542542B2 (en) | 2005-11-30 | 2017-01-10 | Proxense, Llc | Single step transaction authentication using proximity and biometric input |
US9990628B2 (en) | 2005-11-30 | 2018-06-05 | Proxense, Llc | Two-level authentication for secure transactions |
US8433919B2 (en) | 2005-11-30 | 2013-04-30 | Proxense, Llc | Two-level authentication for secure transactions |
US11553481B2 (en) | 2006-01-06 | 2023-01-10 | Proxense, Llc | Wireless network synchronization of cells and client devices on a network |
US11206664B2 (en) | 2006-01-06 | 2021-12-21 | Proxense, Llc | Wireless network synchronization of cells and client devices on a network |
US11219022B2 (en) | 2006-01-06 | 2022-01-04 | Proxense, Llc | Wireless network synchronization of cells and client devices on a network with dynamic adjustment |
US11800502B2 (en) | 2006-01-06 | 2023-10-24 | Proxense, LL | Wireless network synchronization of cells and client devices on a network |
US11212797B2 (en) | 2006-01-06 | 2021-12-28 | Proxense, Llc | Wireless network synchronization of cells and client devices on a network with masking |
US20070260562A1 (en) * | 2006-03-23 | 2007-11-08 | Exceleron Software, Inc. | System and method for prepay account management system |
US8095475B2 (en) * | 2006-03-23 | 2012-01-10 | Exceleron Software, Inc. | System and method for prepay account management system |
US11182792B2 (en) | 2006-05-05 | 2021-11-23 | Proxense, Llc | Personal digital key initialization and registration for secure transactions |
US8412949B2 (en) | 2006-05-05 | 2013-04-02 | Proxense, Llc | Personal digital key initialization and registration for secure transactions |
US11551222B2 (en) | 2006-05-05 | 2023-01-10 | Proxense, Llc | Single step transaction authentication using proximity and biometric input |
US11157909B2 (en) | 2006-05-05 | 2021-10-26 | Proxense, Llc | Two-level authentication for secure transactions |
US10764044B1 (en) | 2006-05-05 | 2020-09-01 | Proxense, Llc | Personal digital key initialization and registration for secure transactions |
US9251326B2 (en) | 2006-05-05 | 2016-02-02 | Proxense, Llc | Personal digital key initialization and registration for secure transactions |
US10374795B1 (en) | 2006-05-05 | 2019-08-06 | Proxense, Llc | Personal digital key initialization and registration for secure transactions |
US8838993B2 (en) | 2006-05-05 | 2014-09-16 | Proxense, Llc | Personal digital key initialization and registration for secure transactions |
US20080070569A1 (en) * | 2006-09-07 | 2008-03-20 | Shelley John T | Proximity order processing system |
US10943471B1 (en) | 2006-11-13 | 2021-03-09 | Proxense, Llc | Biometric authentication using proximity and secure information on a user device |
WO2008068790A2 (en) * | 2006-12-04 | 2008-06-12 | Mario Quintilio | Multifunctional apparatus for visually handicapped persons |
WO2008068790A3 (en) * | 2006-12-04 | 2008-07-31 | Mario Quintilio | Multifunctional apparatus for visually handicapped persons |
US20100068680A1 (en) * | 2006-12-04 | 2010-03-18 | Mario Quintilio | Multifunctional Apparatus for Visually Handicapped Persons |
WO2008074051A1 (en) * | 2006-12-19 | 2008-06-26 | Transurban Limited | Transaction system for use in authorising cashless transactions |
US20100312618A1 (en) * | 2006-12-19 | 2010-12-09 | The Coca-Cola Company | Transaction System for Use in Authorising Cashless Transactions |
US20090048936A1 (en) * | 2007-04-13 | 2009-02-19 | Lerch John W | Method and system for RFID transaction integrity utilizing an EEPROM |
US10769939B2 (en) | 2007-11-09 | 2020-09-08 | Proxense, Llc | Proximity-sensor supporting multiple application services |
US11562644B2 (en) | 2007-11-09 | 2023-01-24 | Proxense, Llc | Proximity-sensor supporting multiple application services |
US11080378B1 (en) | 2007-12-06 | 2021-08-03 | Proxense, Llc | Hybrid device having a personal digital key and receiver-decoder circuit and methods of use |
US11086979B1 (en) | 2007-12-19 | 2021-08-10 | Proxense, Llc | Security system and method for controlling access to computing resources |
US11727355B2 (en) | 2008-02-14 | 2023-08-15 | Proxense, Llc | Proximity-based healthcare management system with automatic access to private information |
US10971251B1 (en) | 2008-02-14 | 2021-04-06 | Proxense, Llc | Proximity-based healthcare management system with automatic access to private information |
US11120449B2 (en) | 2008-04-08 | 2021-09-14 | Proxense, Llc | Automated service-based order processing |
US20110166967A1 (en) * | 2010-01-04 | 2011-07-07 | Robert Bernstein | Transaction monitor |
US11095640B1 (en) | 2010-03-15 | 2021-08-17 | Proxense, Llc | Proximity-based system for automatic application or data access and item tracking |
US8893977B2 (en) | 2010-04-08 | 2014-11-25 | Access Business Group International Llc | Point of sale inductive systems and methods |
US9424446B2 (en) | 2010-04-08 | 2016-08-23 | Access Business Group International Llc | Point of sale inductive systems and methods |
US9027840B2 (en) | 2010-04-08 | 2015-05-12 | Access Business Group International Llc | Point of sale inductive systems and methods |
US11546325B2 (en) | 2010-07-15 | 2023-01-03 | Proxense, Llc | Proximity-based system for object tracking |
US11669701B2 (en) | 2011-02-21 | 2023-06-06 | Proxense, Llc | Implementation of a proximity-based system for object tracking and automatic application initialization |
US11113482B1 (en) | 2011-02-21 | 2021-09-07 | Proxense, Llc | Implementation of a proximity-based system for object tracking and automatic application initialization |
US11132882B1 (en) | 2011-02-21 | 2021-09-28 | Proxense, Llc | Proximity-based system for object tracking and automatic application initialization |
US20160026782A1 (en) * | 2012-03-23 | 2016-01-28 | Microsoft Technology Licensing, Llc | Personal Identification Combining Proximity Sensing with Biometrics |
US10909229B2 (en) | 2013-05-10 | 2021-02-02 | Proxense, Llc | Secure element as a digital pocket |
US11914695B2 (en) | 2013-05-10 | 2024-02-27 | Proxense, Llc | Secure element as a digital pocket |
US20150109101A1 (en) * | 2013-10-20 | 2015-04-23 | VenGo, LLC | System and Method for Reading Multiple RFIDs |
US11922395B2 (en) | 2022-01-18 | 2024-03-05 | Proxense, Llc | Linked account system using personal digital key (PDK-LAS) |
Also Published As
Publication number | Publication date |
---|---|
US20050218214A1 (en) | 2005-10-06 |
CA2449471A1 (en) | 2002-12-05 |
MXPA03010838A (en) | 2004-10-28 |
WO2002097568A2 (en) | 2002-12-05 |
EP1390890A2 (en) | 2004-02-25 |
AU2002303848B2 (en) | 2008-01-10 |
US7778876B2 (en) | 2010-08-17 |
BR0210004A (en) | 2004-05-04 |
WO2002097568A3 (en) | 2003-02-06 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US7778876B2 (en) | Community concept for payment using RF ID transponders | |
AU2002303848A1 (en) | Community concept for payment using RF ID transponders | |
US6529880B1 (en) | Automatic payment system for a plurality of remote merchants | |
US9530131B2 (en) | Transaction processing using a global unique identifier | |
US7568617B2 (en) | Learning fare collection system for mass transit | |
US20030061156A1 (en) | Instant settlement system and method for credit card member stores | |
US20030204457A1 (en) | Payee account payment system | |
US20080105739A1 (en) | Electronic money system and transaction method using the same | |
US6824049B2 (en) | Card transaction settlement method in point of sale systems | |
WO2014170741A2 (en) | Payback payment system and method to facilitate the same | |
US20030168510A1 (en) | Anonymous electronic bearer instrument method and apparatus | |
WO2007098056A2 (en) | Cash redemption of gift cards systems and methods | |
KR20070106941A (en) | Radio frequency identification purchase transactions | |
EP1886285A2 (en) | In-lane money transfer systems and methods | |
WO2006135779A2 (en) | System and method for mass transit merchant payment | |
EP2074570A1 (en) | A method and system for managing purchase transactions between a customer and a merchant | |
JP3497144B2 (en) | Electronic payment system and method | |
US10664816B2 (en) | Method and system for making electronic payments | |
US20030041022A1 (en) | Electronic money instrument | |
US20070106602A1 (en) | Card purchase transaction processing | |
CN101258509A (en) | Apparatus and method for integrated payment and electronic merchandise transfer | |
JP2002509305A (en) | Process, system and electronic wallet that enable financial transactions | |
WO2001022371A9 (en) | Method and system for automatic teller machine and associated service | |
KR20100077295A (en) | Method for managing payment transportation card virture account of foreign customer | |
KR20020072026A (en) | Method of Issue of Internet Eelectron Credit Card And Price Approval for Use in Such Card |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AS | Assignment |
Owner name: TRANSCORE HOLDINGS, INC., PENNSYLVANIA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:GRAVELLE, KELLY;PINKUS, RON;BURCHELL, MICHAEL;REEL/FRAME:011945/0392;SIGNING DATES FROM 20010604 TO 20010629 |
|
AS | Assignment |
Owner name: TC (BERMUDA) LICENSE, LTD., BERMUDA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:TRANSCORE HOLDINGS, INC.;REEL/FRAME:013602/0102 Effective date: 20021217 |
|
AS | Assignment |
Owner name: HARRIS TRUST AND SAVINGS BANK, AS AGENT, ILLINOIS Free format text: SECURITY INTEREST;ASSIGNOR:TC (BERMUDA) LICENSE, LTD.;REEL/FRAME:014119/0886 Effective date: 20021018 |
|
AS | Assignment |
Owner name: TC LICENSE LTD., PENNSYLVANIA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:TC (BERMUDA) LICENSE, LTD.;REEL/FRAME:015438/0556 Effective date: 20041207 Owner name: TC LICENSE LTD.,PENNSYLVANIA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:TC (BERMUDA) LICENSE, LTD.;REEL/FRAME:015438/0556 Effective date: 20041207 |
|
AS | Assignment |
Owner name: TC (BERMUDA) LICENSE, LTD., VIRGINIA Free format text: TERMINATION AND RELEASE OF SECURITY INTEREST (PREVIOUSLY RECORDED AT REEL 14119 FRAME 0886);ASSIGNOR:HARRIS TRUST AND SAVINGS BANK;REEL/FRAME:015521/0010 Effective date: 20041210 Owner name: TC (BERMUDA) LICENSE, LTD., VIRGINIA Free format text: TERMINATION AND RELEASE OF SECURITY INTEREST (PREVIOUSLY RECORDED AT REEL 12418 FRAME 0262);ASSIGNOR:HARRIS TRUST AND SAVINGS BANK;REEL/FRAME:015521/0363 Effective date: 20041210 |
|
AS | Assignment |
Owner name: JPMORGAN CHASE BANK, N.A., AS ADMINISTRATIVE AGENT Free format text: SECURITY AGREEMENT;ASSIGNOR:TC LICENSE LTD.;REEL/FRAME:015541/0098 Effective date: 20041213 |
|
STCB | Information on status: application discontinuation |
Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION |
|
AS | Assignment |
Owner name: TC LICENSE LTD., PENNSYLVANIA Free format text: TERMINATION AND RELEASE OF SECURITY;ASSIGNOR:JPMORGAN CHASE BANK, N.A.;REEL/FRAME:021281/0468 Effective date: 20080701 Owner name: TC LICENSE LTD.,PENNSYLVANIA Free format text: TERMINATION AND RELEASE OF SECURITY;ASSIGNOR:JPMORGAN CHASE BANK, N.A.;REEL/FRAME:021281/0468 Effective date: 20080701 |