JP2008165810A5

JP2008165810A5 -

Info

Publication number: JP2008165810A5
Application number: JP2008001633A
Authority: JP
Filing date: 2008-01-08
Publication date: 2008-11-06

Claims

Receiving at the merchant a device transaction request from an RF device configured to facilitate radio frequency (RF) transactions;
Approving the transaction request of the device in response to the customer's transaction request being in accordance with an approved protocol before receiving the transaction request authorization of the customer; A merchant transaction request is generated by the merchant in response to the device transaction request;
Sending a transaction request of a plurality of suppliers to a transaction processing entity after approval of the RF transaction by the customer;
Including the method.

The method of claim 1, wherein the RF transaction results in at least one of a consumer obtaining ownership of a product or a consumer receiving a service.

The method of claim 1, wherein the trading request for the trading partner includes a trading request for the device, a trading partner identifier, and information identifying the trading partner.

The approved protocol relates to at least one of a transaction cost less than a predetermined amount, a specific product in the RF transaction, a specific service in the RF transaction, or a location of the RF transaction. Item 2. The method according to Item 1.

Responsive to the fact that the number of device transaction requests approved for each RF device exceeds a predetermined amount, prior to the end of the RF transaction, real-time approval of the customer's transaction request To request
The method of claim 1, further comprising:

The device transaction request includes at least one of a preloaded marker or a direct link RF device marker, which indicates that the RF device is directly linked to an account. The method of claim 1, wherein the method is configured to indicate that the preloaded marker is configured to indicate that the RF device is associated with a preloaded value.

The method of claim 1, further comprising selecting a particular authorization protocol, wherein the particular authorization protocol includes criteria based on at least one of an RF device specific characteristic or an RF device transaction specific characteristic.

Providing an authorization protocol to the business partner;
In a transaction processing entity, receiving a transaction request of a plurality of business partners after the approval of the RF transaction by the business partner based on the approval of the business transaction of the device, A request is received from an RF device, and at least one of the trading requests of the plurality of trading partners is generated by the trading partner in response to the trading request of the device;
Authenticating each of the plurality of counterparty transaction requests, wherein each of the plurality of counterparty transaction requests to be authenticated is in accordance with the approved protocol;
Including the method.

Assigning a business partner marker to the business partner and assigning a device identifier and device marker to the RF business device, the device marker comprising at least one of a preloaded marker or a direct link RF device marker The direct link RF device marker is configured to indicate that the RF device is directly linked to an account, and the preloaded marker is preloaded by the RF device. Configured to indicate that it is associated with the value
Receiving a trading device update request from the RF trading device, the trading device update request comprising: an identifier of the device; a demographic update request; an account information update request; or a reload parameter update request Including at least one of
In response to an update request for the trading device, updating a device data file corresponding to the identifier of the device, the device data file being a value that can be exchanged for goods or services, demographic information At least one of: funding source information associated with the RF payment device; and transaction history information;
The method of claim 8, further comprising:

Responsive to the successful fulfillment of the risk criteria, further comprising authenticating the device's transaction request, wherein the device's transaction request is received from the customer based on the risk criteria The method of claim 9, wherein the device transaction request includes a marker for the device, an identifier for the device, and a value for the transaction.

Determining a reward value based on at least one of the merchant marker, the device identifier, the device marker, or the transaction value;
Associating the reward value with an identifier of the device;
10. The method of claim 9, further comprising:

The device marker comprises the preloaded marker, the method comprising:
Updating at least one of a preloaded value data file or a reload parameter data file in response to the transaction device update request, the preloaded value data file and the reload parameter; The data file corresponds to the identifier of the device, and the preloaded value data file includes stored values;
Requesting a funding source value from a first funding source corresponding to the device identifier and the preloaded value data file, wherein requesting the funding source value comprises: In response to an instruction from the reload parameter data file,
Updating the stored value with the value of the funding source;
10. The method of claim 9, further comprising:

Updating at least one reload indicia with at least one update reload indicia
Further including
The reload parameter data file includes the at least one reload indicia, and the reload parameter update request includes the at least one update reload indicia, a minimum decrease value update request, and a time update request. 13. The method of claim 12, comprising: at least one of: update request occurrence number and maximum value update request.

The at least one reload indicia includes the supplier marker, the device identifier, the device marker, the royalty point criterion, the reward point criterion, the cycle criterion, the minimum reduction level criterion, and the maximum load value. 14. The method of claim 13, comprising at least one of user criteria.

Automatically retrieving the value of the funding source from the first funding source;
Automatically updating the preloaded value data file using the first funding source in accordance with the reload parameter data file;
The method of claim 12, further comprising:

The marker of the device comprises a marker of the direct link RF device, the method comprising:
Associating an identifier of the device with a transaction account, the transaction account including an exchange value corresponding to the contact financial product;
Requesting the value of the transaction from the account of the transaction and facilitating the RF transaction;
10. The method of claim 9, further comprising:

The exchange value includes at least one of a money value, a credit value, a fee value, or a reward value, and the contact financial product includes a credit card, a debit card, a reward card, a loyalty card, 17. The method of claim 16, comprising at least one of or a gift card.

Evaluating the trading request of the customer based on at least one risk criterion
Further including
The risk criteria may include at least one of a transaction volume limit for a specified time, an RF device usage history, a funding or funding limit, a predetermined refund rule, or a user-defined limit. 9. The method of claim 8, comprising.

Preloading a preloaded value data file having a preloaded value greater than zero;
In response to the value of the transaction being less than or equal to the preloaded value, providing authentication to the account's transaction request to the account;
Estimating the value of the transaction from the preloaded value;
In response to achieving the preloaded minimum reduction level, reloading the data file of the preloaded value;
The method of claim 12, further comprising:

Sending a device transaction request from an RF trading device to a customer, wherein the device transaction request is configured to facilitate an RF transaction;
By receiving an approval of the device's customer request in response to the customer's transaction request following an authenticated protocol before the customer receives authentication from the transaction processing entity; The trading request of the trading partner is generated by the trading partner in response to the trading request of the device;
Including the method.

21. The method of claim 20, wherein the trading request for the trading partner includes a trading request for the device, a trading partner identifier, and information identifying the trading partner.

Activating an authentication circuit of the transponder system in response to an RF interrogation signal from an RF identification (RFID) reader;
Receiving a device authentication code from the RFID reader;
Encrypting the device authentication code using a unique encryption key in an authentication circuit of the transponder system;
Transmitting to the RFID reader at least one of the encrypted device authentication code and a unique payment device identification code or device marker, the unique payment device identification code Is configured to identify the RF trading device, wherein the marker of the device includes at least one of a preloaded marker or a marker of a direct link RF device; A marker is configured to indicate that the RF device is directly linked to an account, and the preloaded marker is configured to indicate that the RF device is associated with a preloaded value Being, that,
Sending an RFID reader authentication code to the RFID reader;
Decrypting the encrypted RFID reader authentication code received from the RFID reader using the transponder decryption key;
Responsive to the decrypted RFID reader authentication code matching the RFID reader authentication code, authenticating the RFID reader and transmitting account data of the RF device to the RFID reader;
21. The method of claim 20, further comprising:

Communicating a device file update request to a trading partner processing entity via a universal serial bus (USB) interface, wherein the device file update request is a demographic update request, an account information update request, or Including at least one of a reload parameter update request, wherein the USB interface is configured to personalize the RF trading device via at least one of the trading partner processing entity or the trading partner. The device data file update request is further configured to update the device data file, wherein the updated device data file is a value that can be exchanged for goods or services, demographics Information, funding associated with RF payment devices Information, and it includes at least one of information of the transaction history, it
23. The method of claim 22, further comprising:

A computer readable medium having a plurality of instructions stored on the computer readable medium for execution by a processor, wherein the plurality of instructions are:
An instruction to provide an authorization protocol to the customer;
In response to the customer approving a device transaction request, an instruction to receive a plurality of customer transaction requests after approval of the RF transaction by the customer, the customer's transaction request A request is generated by the trading partner in response to the trading request of the device, the trading request of the device being received from the RF device;
An instruction for authenticating each of the plurality of trading partner transaction requests, wherein each of the plurality of certified trading partner transaction requests is in accordance with the approved protocol; and
A computer-readable medium including:

A computer readable medium having a plurality of instructions stored on the computer readable medium for execution by a processor, wherein the plurality of instructions are:
Instructions for receiving a device transaction request from an RF device configured to facilitate an RF transaction;
Instructions for approving the device's transaction request in response to the customer's transaction request complying with an approved protocol prior to receiving the transaction request authentication of the customer; A trading request for a trading partner is generated in response to the trading request for the device;
Instructions for sending a transaction request of a plurality of suppliers to a transaction processing entity after the RF transaction is approved by the supplier;
A computer-readable medium including:

A trading system configured to facilitate radio frequency (RF) trading, the trading partner system comprising:
Means for receiving a device transaction request from an RF device configured to facilitate the RF transaction;
Means for authorizing the device's transaction request in response to the customer's transaction request being in accordance with an approved protocol before receiving the transaction request authorization of the customer, the device comprising: A merchant transaction request is generated by the merchant in response to the device transaction request;
Means for sending a transaction request of a plurality of suppliers to a transaction processing entity after the RF transaction is approved by the supplier;
Including customer system.