Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2007-07-24
2007-07-24
Fischer, Andrew J. (Department: 3621)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C705S001100, C705S075000, C705S076000, C705S077000, C235S378000, C235S380000, C235S381000
Reexamination Certificate
active
10318480
ABSTRACT:
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.
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pate
Berardi Michael J.
Bliman Michal
Bonalle David
Elwood Jennifer Anne
Hood Matthew C.
American Express Travel Related Services Company Inc.
Fischer Andrew J.
Fitzpatrick ,Cella, Harper & Scinto
Winter John
LandOfFree
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