Credit Patents (Class 340/5.4)
  • Patent number: 10387853
    Abstract: Strategies, tools and techniques for establishing purchase cards for customers of a financial institution are provided. A primary purchase card can be established for a customer in association with at least one account of the financial institution. Also, at least one secondary purchase card can be established for the customer in addition to the primary purchase card. The secondary purchase card can be linked to the primary purchase card and to at least one of the same accounts associated with the primary purchase card. Customer configuration of various rules for the secondary purchase card can be facilitated, such as rules that govern purchase limits, activation parameters, deactivation parameters, and/or automatic replenishment schedules for the secondary purchase card.
    Type: Grant
    Filed: January 19, 2010
    Date of Patent: August 20, 2019
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Michael Scott Ley, Christine Johns, Bryan L. Mackrell, Michael Aaron Chapman, Hyun Jin Ko
  • Patent number: 10158773
    Abstract: A control section allows a screen of a display section to display a plurality of numeric keys, detects a touch gesture on the individual numeric key through a touch panel to allow an input of a numeric number corresponding to the numeric key subjected to the touch gesture, and detects an action on each of hard keys to accept an instruction to perform a function corresponding to the hard key subjected to the action. When a predetermined action is performed on one or more individuals of the hard keys, the control section assigns numeric numbers to the respective hard keys and detects an action on the individual hard key to allow an input of the numeric number corresponding to the hard key subjected to the action.
    Type: Grant
    Filed: June 17, 2016
    Date of Patent: December 18, 2018
    Assignee: KYOCERA Document Solutions Inc.
    Inventor: Yasushi Takatsuki
  • Patent number: 10150471
    Abstract: Novel tools and techniques are provided for implementing Internet of Things (“IoT”) functionality. In some embodiments, a computing system or IoT management node might receive sensor data from one or more IoT-capable sensors, analyze the sensor data to determine one or more actions to be taken, and identify one or more devices (e.g., household devices associated with a customer premises; vehicular components associated with a vehicle; devices disposed in, on, or along a roadway; devices disposed throughout a population area; etc.) for performing the determined one or more first actions. The computing system or IoT management node then autonomously controls each of the identified one or more devices to perform tasks based on the determined one or more first actions to be taken, thereby implementing smart environment functionality (e.g., smart home, building, or customer premises functionality, smart vehicle functionality, smart roadway functionality, smart city functionality, and so on).
    Type: Grant
    Filed: December 23, 2016
    Date of Patent: December 11, 2018
    Assignee: CenturyLink Intellectual Property LLC
    Inventors: Tom Funk, Phil Carpenter, William R. Walker
  • Patent number: 9704353
    Abstract: A method is provided for authenticating debit card transactions engaged in by a cardholder on a communications network.
    Type: Grant
    Filed: August 1, 2011
    Date of Patent: July 11, 2017
    Assignee: CardinalCommerce Corporation
    Inventors: John R. Lazzaro, Michael A. Keresman, III, Chandra Balasubramanian, Francis M. Sherwin
  • Patent number: 9280772
    Abstract: Devices, systems, and methods are disclosed which relate to an NFC-enabled security token that is removably coupled to a mobile device. The security token may be provisioned with the information by the mobile device, then decoupled from the mobile device and used to authenticate the user or perform a transaction at a POS terminal equipped with an NFC reader. The security token includes logic for user-controlled restrictions on allowable purchases, such as payment limits, timeouts, vendor identifiers, allowed purchases, and location-based restrictions. The security token is further equipped with “self-destruct” security features, such as deactivating itself or erasing any sensitive information upon being unable to contact the mobile device for a specified duration, or being subject to an unauthorized or restricted transaction, until such time as it is re-coupled to the mobile device.
    Type: Grant
    Filed: August 25, 2014
    Date of Patent: March 8, 2016
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Christopher F. Baldwin, Bruce Barnes, Patrick J. Kenny, Shadi I. Khoshaba, Dolores J. Mallian, Nikhil S. Marathe, Charles M. Stahulak
  • Patent number: 9214051
    Abstract: Systems and methods according to the present invention provide a more secure Automated Teller Machine (ATM) transaction by preventing observation of banking customers' Personal Identification Number (PIN). Such systems and methods make it difficult to obtain a customer's PIN by tracking the hand movement of a customer using an ATM. Inputs presented for a customer selection are preferably dynamically displayed in different locations preferably each time the customer is asked to enter a PIN. Dynamically changing the sequence of the display and/or location of the presented inputs reduces the possibility of mapping the hand movement of the customer to the positions of the inputs displayed for a customer selection. Inputs may also be presented at a very narrow viewing angle, thereby making observation of a PIN difficult. Hence, banking customers are preferably provided with a more robust and secured ATM transaction system.
    Type: Grant
    Filed: January 4, 2011
    Date of Patent: December 15, 2015
    Assignee: Bank of America Coporation
    Inventors: Kurt D. Newman, Timothy J. Bendel, Rustam N. Wadia, Debashis Ghosh
  • Patent number: 9196111
    Abstract: Systems and methods according to the present invention provide a more secure Automated Teller Machine (ATM) transaction by preventing observation of banking customers' Personal Identification Number (PIN). Such systems and methods make it difficult to obtain a customer's PIN by tracking the hand movement of a customer using an ATM. Inputs presented for a customer selection are preferably dynamically displayed in different locations preferably each time the customer is asked to enter a PIN. Dynamically changing the sequence of the display and/or location of the presented inputs reduces the possibility of mapping the hand movement of the customer to the positions of the inputs displayed for a customer selection. Inputs may also be presented at a very narrow viewing angle, thereby making observation of a PIN difficult. Hence, banking customers are preferably provided with a more robust and secured ATM transaction system.
    Type: Grant
    Filed: January 4, 2011
    Date of Patent: November 24, 2015
    Assignee: Bank of America Corporation
    Inventors: Kurt D. Newman, Timothy J. Bendel, Rustam N. Wadia, Debashis Ghosh, David Joa
  • Patent number: 8978975
    Abstract: A system for authenticating near field communication (NFC) transactions that has an NFC merchant reader that provides an electromagnetic field and an NFC hand-held device that senses the electromagnetic field and prompts a user for a personal identifier (PI) in response to the electromagnetic field. Additionally, the NFC hand-held device wirelessly transmits the PI, and the NFC hand-held-device receives an approval code transmitted to the NFC hand-held device in response to the PI. Further, the NFC hand-held device transmits the approval code to the NFC merchant reader, and the NFC merchant reader transmits a payment request comprising the approval code.
    Type: Grant
    Filed: July 18, 2011
    Date of Patent: March 17, 2015
    Assignee: Accullink, Inc.
    Inventor: Timothy W. Barnett
  • Patent number: 8981900
    Abstract: A method, a portable data storage medium, an approval apparatus and a system for approving a transaction using acceleration sensors integrated in a portable data storage medium.
    Type: Grant
    Filed: June 24, 2010
    Date of Patent: March 17, 2015
    Assignee: Giesecke & Devrient GmbH
    Inventors: Klaus Finkenzeller, Wolfgang Rankl
  • Patent number: 8928455
    Abstract: A key fob includes a biometric sensor including a fingerprint area sensor having a surface for receiving a finger, and a controller includes at least one processor configured to authenticate a user of the key fob based on biometric information obtained with the biometric sensor and stored biometric information for an individual. The key fob includes a RF transmitter for communicating stored transaction information to a reader upon authentication of the user and a housing. The housing includes a base for supporting the biometric sensor and a cover sleeve slidably engaged with the base to allow for extension from and retraction into the sleeve by the base, thereby permitting selective exposure of the fingerprint area sensor under user actuation.
    Type: Grant
    Filed: October 14, 2013
    Date of Patent: January 6, 2015
    Inventor: Tore Etholm Idsøe
  • Patent number: 8872619
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.
    Type: Grant
    Filed: May 3, 2007
    Date of Patent: October 28, 2014
    Assignee: Xatra Fund MX, LLC
    Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Alexandra Mayers, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, John R. Williamson
  • Patent number: 8823489
    Abstract: Systems and methods for generating a derived biometric template are provided. A biometric sample of a user is determined. A base biometric template includes a plurality of features extracted from the biometric sample. A degree of rotation is determined, and a derived biometric template is generated using the degree of rotation.
    Type: Grant
    Filed: April 22, 2011
    Date of Patent: September 2, 2014
    Assignee: QUALCOMM Incorporated
    Inventor: Eric Liu
  • Patent number: 8803658
    Abstract: A method, portable data carrier (1) and system for releasing a transaction using acceleration sensors (4, 5, 6) and a structure (8) on the data carrier (1).
    Type: Grant
    Filed: June 30, 2010
    Date of Patent: August 12, 2014
    Assignee: Giesecke & Devrient GmbH
    Inventors: Wolfgang Rankl, Michael Baldischweiler
  • Patent number: 8737983
    Abstract: When processing repeated operations on the keyboard of a mobile communication device, mainly at direct debits, used is a separate data carrier with a memory in which is stored at least one file with a sequence of keyboard orders of a macro type. Data carrier is energetically supplied contact-free by electromagnetic field of the mobile communication device while receiving the requiring order and, according to this order, chooses from the memory and encodes appropriate file with a sequence of keyboard orders. Data carrier sends the encoded file into the mobile communication device which decodes the received file and performs processes representing the keystrokes according to the sequence of keyboard orders. The invention also describes connection and data carrier to perform above described method where the data carrier consists of a processor, transmitting and receiving unit, block for transforming electromagnetic field and a memory to store a file of orders.
    Type: Grant
    Filed: March 23, 2009
    Date of Patent: May 27, 2014
    Assignee: Logomotion, S.R.O.
    Inventors: Emil Hubinak, Miroslav Florek, Michal Masaryk
  • Publication number: 20140085110
    Abstract: Among other things, one or more techniques and/or systems are provided for authorizing an action using vehicle identification information (e.g., supplied by a vehicle) and user identification information (e.g., supplied by a mobile device associated with a user of the vehicle). Such an action may relate to, among other things, refueling the vehicle, parking the vehicle, using a fee-based road segment, and/or other vehicle-centric actions, for example. Moreover, in one embodiment, as part of the authorization, a payment transaction may be initiated by an authorization system configured to authorize the action.
    Type: Application
    Filed: September 25, 2012
    Publication date: March 27, 2014
    Applicant: INRIX, Inc.
    Inventors: Christopher L. Scofield, Scott Marshall Sedlik, Dominic Jason Jordan, Uri Lavee
  • Patent number: 8659427
    Abstract: A personal digital key (e.g., which can be carried by a human) contains a memory having different service blocks. Each service block is accessible by a corresponding service block access key. As the personal digital key (PDK) moves around, it is detected by sensors. The sensors report position data, thus enabling location tracking of the PDK. The sensors also provide a data path to various applications. An application that has access to a service block access key can therefore access the corresponding service block on the PDK. The sensors themselves may also contain service block access keys.
    Type: Grant
    Filed: November 10, 2008
    Date of Patent: February 25, 2014
    Assignee: Proxense, LLC
    Inventors: David L. Brown, John J. Giobbi
  • Patent number: 8629757
    Abstract: A portable electronic apparatus has a first storage section configured to store information to be communicated to the processing apparatus and formats for a frame to be transmitted to the processing apparatus, in association with one another. The processing apparatus has a second storage section configured to store information communicated by the portable electronic apparatus and the format of the frame transmitted by the portable electronic apparatus, in association with each other. The portable electronic apparatus select one of the formats stored in the first storage section based on the data to be transmitted to the processing apparatus. The processing apparatus recognize information communicated by the portable electronic apparatus based on the format of the frame received from the portable electronic apparatus.
    Type: Grant
    Filed: March 17, 2010
    Date of Patent: January 14, 2014
    Assignee: Kabushiki Kaisha Toshiba
    Inventors: Hiroo Shimizu, Kiyohito Sudo
  • Patent number: 8598981
    Abstract: A key fob includes a biometric sensor including a fingerprint area sensor having a surface for receiving a finger, and a controller includes at least one processor configured to authenticate a user of the key fob based on biometric information obtained with the biometric sensor and stored biometric information for an individual. The key fob includes a RF transmitter for communicating stored transaction information to a reader upon authentication of the user and a housing. The housing includes a base for supporting the biometric sensor and a cover sleeve slidably engaged with the base to allow for extension from and retraction into the sleeve by the base, thereby permitting selective exposure of the fingerprint area sensor under user actuation.
    Type: Grant
    Filed: February 18, 2011
    Date of Patent: December 3, 2013
    Inventor: Tore Etholm Idsøe
  • Patent number: 8559987
    Abstract: In some embodiments, a system includes a mobile communication device and a secure element physically coupled to the mobile communication device. The mobile communication device includes a first wireless transceiver, first processor, and first memory. The secure element includes a second wireless transceiver, second processor, and second memory. The mobile communication device is configured to transmit data via the first wireless transceiver to the secure element in packets, using a packet protocol. The secure element is configured to transmit data via the second wireless transceiver to the mobile communication device in messages, using a messaging protocol distinct from the packet protocol.
    Type: Grant
    Filed: November 17, 2010
    Date of Patent: October 15, 2013
    Assignee: Blaze Mobile, Inc.
    Inventor: Michelle Fisher
  • Patent number: 8558663
    Abstract: Real time facial images of individuals transacting accounts held in a bank facility are taken following the grant of authorization to the individual to access the account under the bank's required identification protocol, the real time facial images being matched to recorded facial images of account holders maintained by the bank to further authenticate the transacting individual as having authorized account access.
    Type: Grant
    Filed: November 30, 2007
    Date of Patent: October 15, 2013
    Assignee: Bank of America Corporation
    Inventors: Kurt D. Newman, Sudeshna Banerjee, Timothy J. Bendel, Debashis Ghosh, David Joa, Thayer S. Allison, Jr.
  • Patent number: 8537005
    Abstract: A checkout system employs a bi-optical workstation having dual windows and a main reader for electro-optically reading indicia on products to be processed at the workstation through at least one of the windows. The workstation is supported by a countertop and has a raised housing extending upwardly away from the countertop. An auxiliary cordless reader is used for electro-optically reading the indicia in a handheld mode when the main reader is not operated. A cradle bounds a compartment in which the auxiliary cordless reader is removably received when not in the handheld mode. The cradle is supported by the raised housing above and remote from, and out of direct contact with, the countertop to form a zero-footprint therewith.
    Type: Grant
    Filed: July 12, 2010
    Date of Patent: September 17, 2013
    Assignee: Symbol Technologies, Inc.
    Inventors: Edward Barkan, John Britts, Christopher Warren Brock, Mark Drzymala
  • Patent number: 8519822
    Abstract: An apparatus for selecting a virtual card application from a multi-application contactless card, including a receiver configured to receive an authentication command containing a card key from a card reader. The apparatus further includes a verifier configured to verify the card key in the virtual card applications and to select a card application for communication with the card reader by means of a key match. The apparatus further includes a transmitter configured to transmit a response of the selected card applications to the card reader.
    Type: Grant
    Filed: December 4, 2007
    Date of Patent: August 27, 2013
    Assignee: Infineon Technologies AG
    Inventor: Josef Riegebauer
  • Patent number: 8436712
    Abstract: The card has a magnetic strip with pertinent information encoded by the issuer. The magnetic strip provides monetary transaction capability, facility access, security access, and privilege access so that the card can be encoded as desired by the issuer. The magnetic strip and CPU also include medical information of a user. The card also has a battery pack that is in communication with the internally housed transponder, CPU, and GPS capability. By way of the antenna, the transponder communicates with an existing GPS transponder. A distance limitation is encoded into the card. When the card exceeds the distance limitation, the existing transponder is alarmed. The existing GPS transponder receives location information from the card so that the card user can be recovered.
    Type: Grant
    Filed: October 9, 2009
    Date of Patent: May 7, 2013
    Inventor: Kevin M. Rafferty
  • Patent number: 8384524
    Abstract: The present disclosure relates generally to wireless detection systems. In one illustrative embodiment, a wireless detection system includes a plurality of surface acoustic wave (SAW) sensors, and an electronic reader for interrogating the plurality of SAW sensors. In some instances, each of the surface acoustic wave based sensors includes an integrated sensor coil. The electronic reader may include a plurality of reader coils and a controller. The controller may be configured to interrogate the plurality of surface acoustic wave based sensors using a time division interrogation. In some cases, each of the plurality of reader coils is inductively coupled to only one of the integrated coils of the SAW sensors at any given time.
    Type: Grant
    Filed: November 25, 2009
    Date of Patent: February 26, 2013
    Assignee: Honeywell International Inc.
    Inventors: Cornel Cobianu, Ion Georgescu, Cazimir Bostan
  • Patent number: 8380628
    Abstract: A system and method is disclosed for verifying a commercial transaction between a card-holder, a merchant, and a credit card company. The card-holder makes a purchase with the merchant using a full credit card number. The merchant submits a transaction approval request for approval with the credit card company. The credit card company executes conventional credit approval of the transaction approval request, as well as verifies the transaction approval request with the card-holder. An approval is sent to the merchant only after the transaction approval request is both conventionally approved by the credit card company and verified by the card-holder. The card-holder, or the credit card company, may initiate verification of the transaction approval request.
    Type: Grant
    Filed: July 17, 2000
    Date of Patent: February 19, 2013
    Assignee: Harris Intellectual Property, LP
    Inventor: David N. Harris
  • Patent number: 8352369
    Abstract: A system and method is disclosed for verifying a commercial transaction between a card-holder, a merchant, and a credit card company. The card-holder makes a purchase with the merchant using a full credit card number. The merchant submits a transaction approval request for approval with the credit card company. The credit card company executes conventional credit approval of the transaction approval request, as well as verifies the transaction approval request with the card-holder. An approval is sent to the merchant only after the transaction approval request is both conventionally approved by the credit card company and verified by the card-holder. The card-holder, or the credit card company, may initiate verification of the transaction approval request. The transaction approval request can also be automatically verified if one or many pre-verification criteria is/are satisfied by data contained in the transaction approval request.
    Type: Grant
    Filed: January 12, 2001
    Date of Patent: January 8, 2013
    Assignee: Harris Intellectual Property, LP
    Inventor: David N. Harris
  • Patent number: 8334754
    Abstract: To improve communication between tags by causing a mobile object having a RFID tag attached to transmit an interrogating wave only when moving in a communication range to reduce power consumption and prevent occurrence of tag confusion. By acquiring two Doppler signals from 2-frequency transmission waves (CW) with different frequencies and respective reflected waves and detecting phase difference from the Doppler signals, a cargo (21A) is detected to be moving in the communication range (A). Only when the movement is detected, a reader-writer (1A) transmits the interrogating wave (RW).
    Type: Grant
    Filed: March 17, 2008
    Date of Patent: December 18, 2012
    Assignee: Omron Corporation
    Inventors: Hirokazu Kasai, Takehiro Kawai
  • Patent number: 8334751
    Abstract: A RFID cabinet comprises a cabinet structure and one or more drawers or shelves. Chambers are formed within the cabinet to house the one or more drawers or shelves. An RFID scanner is configured to scan items tagged with RFID tags in the chambers via one or more antennas. The antennas can include transmit and receive antennas or antennas configured to perform both transmit and receive functions. The drawers can have a access cover, or lid that can be controlled so as to control access to the drawer. The scanner can be configured to perform inventory control for the tagged items.
    Type: Grant
    Filed: June 30, 2011
    Date of Patent: December 18, 2012
    Assignee: Neology, Inc.
    Inventors: John Azevedo, Jeffrey Zhu, Eric Mikuteit, Jun Liu
  • Patent number: 8334755
    Abstract: Provided is a method and apparatus for recognizing a radio frequency identification tag reader. In order to obtain protocol addresses of a plurality of radio frequency identification (hereinafter referred to as RFID) tag readers, a request message including a timestamp indicating a generation time is generated and transmitted, and a response message for the request message from one of the plurality of RFID readers is received. When the timestamp included in the response message satisfies a set condition, a hardware address and a protocol address of the RFID reader are extracted from the response message.
    Type: Grant
    Filed: November 24, 2009
    Date of Patent: December 18, 2012
    Assignee: Electronics and Telecommunications Research Institute
    Inventors: Jee Sook Eun, Hee Sook Mo, Hyochan Bang, Se Won Oh, Jae Gak Hwang, Cheol Sig Pyo, Jong-Suk Chae
  • Patent number: 8310352
    Abstract: While ECUs are connected with a distribution apparatus via a communication line, each of the ECUs sends status notification representing own status to the distribution apparatus. The distribution apparatus creates status information representing status of the ECUs in accordance with status notifications received from the ECUs connected with the distribution apparatus. This status information is sent to other distribution apparatuses together with data for synchronizing a database. The other ECUs perform similar operations to those of the ECUs, while the other distribution apparatuses perform similar operations to those of the distribution apparatus. Therefore, each of the distribution apparatuses can recognize the status of all the ECUs.
    Type: Grant
    Filed: August 22, 2008
    Date of Patent: November 13, 2012
    Assignees: Autonetworks Technologies, Ltd., Sumitomo Wiring Systems, Ltd., Sumitomo Electric Industries, Ltd.
    Inventor: Yukihiro Miyashita
  • Patent number: 8280302
    Abstract: The present invention relates to a device and a method for communication, and a program that makes it possible to provide a communication environment not limited by a use environment. An electrode controlling unit 261 in a transmitting device 260 checks a state of capacitive coupling of each of an electrode 271 and an electrode 272 in an electrode unit 262 with surroundings, controls connection of each electrode to a transmitting unit 263 according to a result of the check, and makes the electrode 271 and the electrode 272 function as a transmission signal electrode or a transmission reference electrode, the transmission signal electrode and the transmission reference electrode being different from each other. The transmitting unit 263 connects the electrode 271 and the electrode 272 to an amplifying unit under control of the electrode controlling unit 261, and transmits a signal to a communication medium 280 via one of the electrodes. The present invention is applicable to communication systems.
    Type: Grant
    Filed: May 16, 2006
    Date of Patent: October 2, 2012
    Assignee: Sony Corporation
    Inventors: Fumio Kubono, Susumu Kusakabe, Yoshihito Ishibashi
  • Patent number: 8275312
    Abstract: A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: September 25, 2012
    Assignee: Blaze Mobile, Inc.
    Inventor: Michelle Fisher
  • Patent number: 8258919
    Abstract: Implementation of mobile device communications (MCD) management is provided. A method includes intercepting an input command received on an MCD, the command intercepted in response to detecting a presence of a fixed communications device (FCD), which is embedded in a vehicle within range of the MCD. The method also includes acquiring biometric data from a user of the MCD. The method includes determining an activity status of the vehicle. If the activity status reflects the vehicle is active, the method includes acquiring biometric data for an operator of the vehicle via a biometric scanner of the vehicle and comparing the biometric data from the vehicle with the biometric data for the user of the MCD. If the biometric data from the vehicle matches the biometric data from the MCD, the method includes retrieving an account record for the user and implementing an action specified in the account record. If the activity status reflects the vehicle is inactive, the method includes executing the command.
    Type: Grant
    Filed: March 5, 2010
    Date of Patent: September 4, 2012
    Assignee: International Business Machines Corporation
    Inventors: Francois-Romain Corradino, John G. Musial, Abhinay R. Nagpal, Sandeep R. Patil
  • Patent number: 8258928
    Abstract: An RFID tag is provided. The RFID tag includes an emitting module, a temperature detecting circuit and a tag chip. The temperature detecting circuit produces a time signal according to a surrounding temperature, wherein the time signal changes with the surrounding temperature. The tag chip is electrically connected to the temperature detecting circuit and the emitting module, wherein the time signal is transmitted via the emitting module.
    Type: Grant
    Filed: March 5, 2009
    Date of Patent: September 4, 2012
    Assignee: National Taiwan University of Science and Technology
    Inventor: Yao-Yi Tseng
  • Patent number: 8198987
    Abstract: A radio tag reading device has a target tag storage unit, a non-target storage unit, and an antenna. The target tag storage unit stores the tag data of any radio tag held in a section from which to read data. The non-target storage unit stores at least the identification data of any radio tag existing outside sections and sections that surround the section. The target tag storage unit stores all tag data read from radio tags via the antenna, except the tag data containing the identification data stored in the non-target tag storage unit.
    Type: Grant
    Filed: November 24, 2009
    Date of Patent: June 12, 2012
    Assignee: Toshiba Tec Kabushiki Kaisha
    Inventor: Yuji Iida
  • Patent number: 8159367
    Abstract: A method and apparatus for validating a distance output of a phase ranging RFID location system, based upon the phase readings included in data sets obtained from monitoring reply signals corresponding to interrogation signals at multiple frequencies and a common interrogation signal beam direction; by comparison of measured phase and frequency data sets with theoretical phases calculated with respect to the same frequencies over a range of positions corresponding to a beam extent of the interrogation signal. The distance output validated by comparison with theoretical threshold data processed to generate an extreme values distribution from which a cumulative distribution function is extracted and against which a confidence level is applied.
    Type: Grant
    Filed: November 24, 2009
    Date of Patent: April 17, 2012
    Assignee: RF Controls, LLC
    Inventors: Russell Hofer, Graham P. A. Bloy
  • Patent number: 8125347
    Abstract: A display component implements a text entry system for a device, such as a cell phone or other handheld device, has various layers that mimic characteristics of a conventional keyboard. A keyboard is displayed on a dynamic touch screen display. When a key is pressed by a user, the surface area of the key on the display depresses, thereby mimicking a conventional keyboard that would typically be used with a desktop or laptop computer. The display component is comprised of various layers or panels. One layer is a compressible touch sensitive or touch screen layer. Adjacent to this layer is a compressible display layer. Another layer is a deformable or cushion layer for supporting a specific weight, such as the weight of user fingers or hands. Adjacent to the deformable layer is a lower touch sensitive layer which has a coordinate system.
    Type: Grant
    Filed: April 9, 2009
    Date of Patent: February 28, 2012
    Assignee: Samsung Electronics Co., Ltd.
    Inventor: Paul Fahn
  • Publication number: 20110210869
    Abstract: A parking area control and management system employs a card reader, which reads identification information from a card commonly carried by a person, such as a driver's license or credit card or other identity card carried by a user that is issued by an entity other than a parking area management entity. A record is made of the identification information upon entrance of a vehicle into the parking area. The person may subsequently leave the parking area on foot and regain entry to the parking area by presenting the same card. Later, the same card is used to exit the parking area, via the vehicle, and to validate that the same person is leaving with the vehicle. The parking area control and management system also includes sensors, such as loop detectors and electric eyes, to determine if a second vehicle or a pedestrian follows behind a vehicle entering into, or exiting from, the parking area.
    Type: Application
    Filed: March 1, 2011
    Publication date: September 1, 2011
    Inventor: Martin Herman Weik, III
  • Patent number: 7980458
    Abstract: There is provided an electronic wallet device including a holding section to hold a plurality of non-contact type IC cards, an external communication antenna to perform non-contact communication with an external unit, a card communication antenna to perform non-contact communication with the IC cards held in the holding section, a card selecting section to select at least one IC card by narrowing down candidates for an IC card to be used for communication with the external unit from the plurality of IC cards based on a plurality of different card selection criteria, and a communication control section to connect the selected IC card with the external unit via the external communication antenna and the card communication antenna so that the selected non-contact type IC card and the external unit communicate with each other.
    Type: Grant
    Filed: August 19, 2008
    Date of Patent: July 19, 2011
    Assignee: Sony Corporation
    Inventors: Takayasu Kon, Yasunori Kamada, Takashi Fukushima, Yoichiro Sako, Miki Abe, Masamichi Asukai, Taiji Ito, Akane Sano, Mitsuru Takehara
  • Patent number: 7982586
    Abstract: A wireless communication system includes an interrogator including a housing including circuitry configured to generate a forward link communication signal; communication circuitry configured to communicate the forward link communication signal; and a communication station remotely located with respect to the housing and configured to receive the forward link communication signal from the communication circuitry and to radiate a forward link wireless signal corresponding to the forward link communication signal; and at least one remote communication device configured to receive the forward link wireless signal.
    Type: Grant
    Filed: July 27, 2006
    Date of Patent: July 19, 2011
    Assignee: Round Rock Research, LLC
    Inventors: David K. Ovard, Roy Greeff
  • Patent number: 7969284
    Abstract: A wireless communication system includes an interrogator including a housing including circuitry configured to generate a forward link communication signal; communication circuitry configured to communicate the forward link communication signal; and a communication station remotely located with respect to the housing and configured to receive the forward link communication signal from the communication circuitry and to radiate a forward link wireless signal corresponding to the forward link communication signal; and at least one remote communication device configured to receive the forward link wireless signal.
    Type: Grant
    Filed: August 30, 2007
    Date of Patent: June 28, 2011
    Assignee: Round Rock Research, LLC
    Inventors: David K. Ovard, Roy Greeff
  • Patent number: 7924156
    Abstract: Various switchable RFID devices are disclosed. These switchable RFID devices may include one or more RFID tags and one or more switches. Some of these one or more switches are optionally wireless. In various embodiments, the switchable RFID devices include identity devices, financial devices, remote controls, and the like. In some embodiments, switches are configured to enter data into a switchable RFID device, for example to select a financial account.
    Type: Grant
    Filed: July 19, 2006
    Date of Patent: April 12, 2011
    Inventor: Steven M. Colby
  • Patent number: 7886964
    Abstract: A system allows consumers the ability to remotely transmit order and/or payment preference data to a vendor to facilitate sales transactions. A personal transmitter or key fob functions to transmit a signal to the vendor when the customer approaches the vendor, which signal comprises preferred order information for vendor processing. The vendor may acknowledge order receipt, generate the order, and automatically submit the transaction for payment through a secure connection. A web site acknowledges receipt of the payment request, retrieves specific transaction information for the target vendor, and processes the payments electronically. Customer information, vendor preferences and encrypted Customer payment specific pointers are downloaded to the personal transmitter on an ongoing basis and stored as encrypted data. If multiple vendors are within the proximity of the consumer, the transmitter will signal an error and list the vendors to the consumer, from which list the target vendor may be selected.
    Type: Grant
    Filed: April 17, 2007
    Date of Patent: February 15, 2011
    Inventor: Jeffrey T. Steinecker
  • Patent number: 7750923
    Abstract: A display device for use with a computer adapted for operation in an unrestricted use mode and a limited function mode and a method for enforcing a limited function mode display is disclosed. The display device enters a limited function mode when a condition of non-compliance with an operating policy is discovered by the computer. Additionally, the display device may also enter a limited function mode upon powering up or when connections to the computer and/or selected components of the display are disabled or disconnected. When in the limited function mode, the display may support a limited function interface for use in correcting the condition of non-compliance.
    Type: Grant
    Filed: April 5, 2007
    Date of Patent: July 6, 2010
    Assignee: Microsoft Corporation
    Inventors: Hanumant Kumar Yadav, William J. Westerinen, Todd L. Carpenter, Stephen Richard Drake
  • Patent number: 7711636
    Abstract: Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. Thus, the segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual.
    Type: Grant
    Filed: September 27, 2006
    Date of Patent: May 4, 2010
    Assignee: Experian Information Solutions, Inc.
    Inventors: Chuck Robida, Chien-Wei Wang
  • Patent number: 7705732
    Abstract: A system and method for securing a Radio Frequency (RF) transaction using a RF identification device (RFID) transaction device is provided. RFID transaction device includes a transactions counter for tallying the number of transactions attempted or completed with the RFID transactions device. Counter value is used to create a RFID device authentication tag for use in validating the RFID device. A RFID reader, interacting with the RFID device, provides a random number to the RFID device which may be used in the RFID device authentication tag creation and validation. RFID reader may also use counter value and random number to create a RFID reader authentication key useful for validating RFID reader. RFID transaction device may include an encryption key for creating RFID transaction device authentication tag. Likewise, RFID reader may include a RFID reader encryption key for creating RFID reader authentication tag.
    Type: Grant
    Filed: December 9, 2004
    Date of Patent: April 27, 2010
    Inventors: Fred Bishop, Peter D Saunders
  • Patent number: 7693783
    Abstract: A method is provided for supporting processing of a transaction conducted between a first party and a second party. The first party accepts payment via a plurality of different payment options selectable by the second party, and the plurality of different payment options are associated with a plurality of different authentication protocols prescribed therefor.
    Type: Grant
    Filed: May 23, 2006
    Date of Patent: April 6, 2010
    Assignee: CardinalCommerce Corporation
    Inventors: Chandra S. Balasubramanian, Francis M. Sherwin, Michael A. Keresman
  • Patent number: 7690577
    Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.
    Type: Grant
    Filed: September 20, 2007
    Date of Patent: April 6, 2010
    Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
  • Patent number: 7639116
    Abstract: A transponder-reader transaction completion system includes a Radio Frequency (RF) operable reader for interrogating a RF operable transaction device via RF communication, wherein the transaction device is operable to provide an account number in ISO/IEC 7816 magnetic stripe Track1/Track 2 format to the RF reader via RF communication. The RF reader is additionally operable to provide an account number in ISO/IEC 7816 magnetic stripe Track1/Track 2 format to a merchant system for use in transaction completion.
    Type: Grant
    Filed: June 24, 2004
    Date of Patent: December 29, 2009
    Inventor: Peter D Saunders
  • Patent number: 7637434
    Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.
    Type: Grant
    Filed: September 7, 2007
    Date of Patent: December 29, 2009
    Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders