American Express Travel Related Services Company, Inc.

Xatra Fund Mx, LLC

Chartoleaux Kg Limited Liability Company

Michal Bliman

David S Bonalle

Peter D Saunders

John R Williamson

Michael J Berardi

Jennifer Anne Elwood

Susan E Isenberg

Sejal Ajit Shah

Alexandra Mayers

Matthew C Hood

Kathryn D Scheding

Trevor J Perry

Kristin L VonWald

Blayn W Beenau

Joshua L Montgomery

Leigh Reynolds Malnati

Lisa E Skilling-Belmond

Zarita Norcross

Sue Mueller

Becky Vander Eyk

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.

Securing a transaction between a transponder and a reader

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which retrieves a value for satisfying the transaction request from a fob associated transaction data file. The issuer system may deplete the transaction data file in accordance with the transaction request and replenish the data file in accordance with fob user or fob issuer defined reload protocol.

Reload protocol at a transaction processing entity

Systems and methods are configured to manage data sets associated with a financial transaction instrument. For example, a method is provided for facilitating the management of data sets on a financial transaction instrument that is issued by an issuer. The method includes the steps of: adding, by a first owner, a first data set to the financial transaction instrument, wherein the first data set is owned by a first owner; adding, by a second owner, a second data set to the financial transaction instrument, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction instrument. The first and second data sets may each be stored as a Block of Binary. Furthermore, the first data set may be updated and/or deleted from the financial transaction instrument. In another example, a financial transaction instrument comprises a data set management system for facilitating the management of more than one data set, the financial transaction instrument comprising at least one data storage area configured to store a first data set and a second data set. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored by their owners independent of each other.

Systems and methods for managing account information lifecycles

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 payment device separate and distinct from the fob, but associated with payment account mutually shared with the fob. In exemplary operation, the fob identifying information, or the payment device information, may be presented to the RFID reader for completion of a transaction request. A process server may receive the transaction request and satisfy the transaction request in accordance with a predetermined payment criteria. The process server may additionally augment a rewards account based on fob or payment device usage, thereby incenting fob usage in one instance and payment device usage in the other.

Authorizing payment subsequent to RF transactions

A transaction device system is associated with a transaction device proxy account identifier, which may be stored in a database on the transaction device system and may be associated with a transaction account identifier for use in completing a transaction. The proxy transaction device identifier may include at least a first portion which corresponds to a portion of the transaction device identifier. The first portion of the proxy transaction device identifier may be segmented into proxy fields where a first segment includes a portion of a transaction account data set, and a second segment has encoded therein an account provider desired information. The proxy account identifier segments are undetectable by receiving systems such that the proxy account identifier emulates a merchant recognizable data transfer format. The account provider system uses the first portion of the transaction device identifier to reassemble the transaction device identifier for use in transaction completion.

System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions

The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.

Clear contactless card

Systems and methods are presented for managing a plurality of data sets on a financial transaction instrument configured to facilitate performing a financial transaction. A first data set owner and a second data set owner are enrolled in a multiple account management program. A first data set owned by a first data set owner and of a first format is added to a database on the financial transaction instrument. A second data set of a second format is added to the database. The second data set is owned by a second data set owner, distinct from the first data set owner, and the second format is different from the first format. A condition header identifying a status condition is added to at least one of the first and second data sets. At least one of the first and second data sets is modified in the database.

Systems and methods for managing multiple accounts on a RF transaction instrument

A RF transaction device is provided, which is operable to store multiple distinct data sets owned by unrelated data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the RF transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the RF transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the RF transaction device in accordance with an owner defined format. The first and second data sets may each be stored as a Block of Binary. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other and in accordance with the particular data set storage protocol.

Systems and methods for providing a RF transaction device operable to store multiple distinct accounts

A transponder-reader payment system includes a RFID reader for interrogating a transponder, and a fob including a transponder which is associated with fob data file funded by one or more funding sources. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which may process the transaction request in accordance with a funding protocol wherein the transaction request is satisfied according to a fob issuer predefined funding criteria relative to the multiple funding sources.

Growing community of inventors

Matawan, NJ, United States of America

Michal Bliman