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1. 发明申请

US20170063975A1 SECURE BINDING OF SOFTWARE APPLICATION TO COMMUNICATION DEVICE 审中-公开
标题翻译：软件应用于通信设备的安全绑定
公开(公告)号：US20170063975A1
公开(公告)日：2017-03-02
申请号：US14841202
申请日：2015-08-31
申请人： Gyan Prakash , Selim Aissi , Rasta Mansour , Ajit Gaddam
发明人： Gyan Prakash , Selim Aissi , Rasta Mansour , Ajit Gaddam
IPC分类号： H04L29/08 , G06F9/48 , H04L29/06
CPC分类号： H04L67/1002 , G06F21/44 , G06F21/629 , G06F21/73 , H04L67/34 , H04L67/42
摘要： Techniques for securely binding a software application to a communication device may include sending a set of device identifiers associated with the computing device to a server, receiving a server-generated dynamic device identifier that is generated based on the set of device identifiers; and storing the server-generated dynamic device identifier during initialization of the application. During runtime execution of the application, the application may receive a request to execute an application specific task. In response to receiving the request, the application may generate a runtime dynamic device identifier, determine whether the runtime dynamic device identifier matches the server-generated dynamic device identifier, execute the application specific task when the runtime dynamic device identifier matches the server-generated dynamic device identifier; and prevent the application specific task from being executed when the runtime dynamic device identifier does not match the server-generated dynamic device identifier.
摘要翻译：用于将软件应用程序安全地绑定到通信设备的技术可以包括向服务器发送与计算设备相关联的一组设备标识符，接收基于该设备标识符集合生成的服务器生成的动态设备标识符; 以及在应用的初始化期间存储服务器生成的动态设备标识符。在运行时执行应用程序期间，应用程序可以接收执行特定于应用程序的任务的请求。响应于接收到请求，应用可以生成运行时动态设备标识符，确定运行时动态设备标识符是否与服务器生成的动态设备标识符匹配，当运行时动态设备标识符与服务器生成的动态设备标识符并且当运行时动态设备标识符与服务器生成的动态设备标识符不匹配时，防止应用程序特定任务被执行。

2. 发明申请

US20160042263A1 MOBILE DEVICE WITH SCANNABLE IMAGE INCLUDING DYNAMIC DATA 有权
标题翻译：具有可扫描图像的移动设备，包括动态数据
公开(公告)号：US20160042263A1
公开(公告)日：2016-02-11
申请号：US14823567
申请日：2015-08-11
申请人： Ajit Gaddam , Gyan Prakash , Selim Aissi
发明人： Ajit Gaddam , Gyan Prakash , Selim Aissi
IPC分类号： G06K19/06
CPC分类号： G06K19/06112 , G06K19/06037 , G06K19/06103 , H04N1/32117 , H04N2201/3269
摘要： A mobile phone is disclosed. The mobile phone may receive a first request to generate an initial scannable image, and a second request to generate modified scannable image. The modified scannable image can include a static portion that corresponds to a static portion of the initial scannable image. The modified scannable image may also include another portion that has a different appearance than a corresponding portion of the initial scannable image.
摘要翻译：公开了一种移动电话。移动电话可以接收生成初始可扫描图像的第一请求，以及生成修改的可扫描图像的第二请求。修改的可扫描图像可以包括对应于初始可扫描图像的静态部分的静态部分。修改的可扫描图像还可以包括具有与初始可扫描图像的对应部分不同的外观的另一部分。

3. 发明申请

US20160171479A1 PROVISIONING PLATFORM FOR MACHINE-TO-MACHINE DEVICES 审中-公开
标题翻译：机器到机器设备的提供平台
公开(公告)号：US20160171479A1
公开(公告)日：2016-06-16
申请号：US14955716
申请日：2015-12-01
申请人： Gyan Prakash , Ajit Gaddam , Selim Aissi
发明人： Gyan Prakash , Ajit Gaddam , Selim Aissi
IPC分类号： G06Q20/32 , H04L29/06
CPC分类号： G06Q20/3226 , F25D2500/06 , G01D4/004 , G06F21/44 , H04L63/0876 , H04L63/102 , H04W4/70 , H04W8/005 , H04W8/26 , Y02B90/242 , Y02B90/246 , Y04S20/322 , Y04S20/42
摘要： Techniques described herein include a platform and process for provisioning user information onto a machine-to-machine device in order to enable the machine-to-machine device to conduct transactions utilizing the user information. In some embodiments, a user device is used to relay information between a machine-to-machine device and a provisioning service provider computer. In some embodiments, a machine-to-machine device is connected to the provisioning service provider computer via a network connection. Upon receiving a request to provision the machine-to-machine device, the service provider computer may identify the device from a device identifier. The service provider computer may generate an access credential or token for the machine-to-machine device. The access credential, token, and/or one or more policies may be provisioned onto the machine-to-machine device.
摘要翻译：本文描述的技术包括用于向机器到机器设备提供用户信息以使机器对机器设备能够利用用户信息进行交易的平台和过程。在一些实施例中，用户设备用于在机器到机器设备和供应服务提供商计算机之间中继信息。在一些实施例中，机器到机器设备经由网络连接连接到供应服务提供商计算机。在接收到提供机器到机器设备的请求时，服务提供商计算机可以从设备标识符识别设备。服务提供商计算机可以为机器到机器设备生成访问凭证或令牌。访问凭证，令牌和/或一个或多个策略可以被设置到机器到机器设备上。

4. 发明申请

US20160134633A1 MECHANISM FOR REPUTATION FEEDBACK BASED ON REAL TIME INTERACTION 有权
标题翻译：基于实时交互的信号反馈机制
公开(公告)号：US20160134633A1
公开(公告)日：2016-05-12
申请号：US14864784
申请日：2015-09-24
申请人： Ajit Gaddam , Selim Aissi , Gyan Prakash
发明人： Ajit Gaddam , Selim Aissi , Gyan Prakash
IPC分类号： H04L29/06 , G06Q50/00
CPC分类号： G06Q50/01 , H04L63/0807
摘要： A method for confirming that a user interacted with a resource provider before allowing the user to submit feedback associated with the resource provider is disclosed. A social network provider can query entities that are aware of the user's interaction history before activating a feedback function. Also, non-sensitive information can be used to identify the user.
摘要翻译：公开了一种在允许用户提交与资源提供者相关联的反馈之前确认用户与资源提供者交互的方法。在启动反馈功能之前，社交网络提供商可以查询知道用户交互记录的实体。此外，非敏感信息可用于识别用户。

5. 发明申请

US20160092872A1 Transaction Risk Based Token 审中-公开
标题翻译：基于交易风险的令牌
公开(公告)号：US20160092872A1
公开(公告)日：2016-03-31
申请号：US14869147
申请日：2015-09-29
申请人： Gyan Prakash , Ajit Gaddam , Selim Aissi , Christian Aabye
发明人： Gyan Prakash , Ajit Gaddam , Selim Aissi , Christian Aabye
IPC分类号： G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/3829 , G06Q20/322 , G06Q20/36 , G06Q20/3823 , G06Q20/3825 , G06Q20/401 , G06Q2220/00
摘要： Embodiments of the invention provision multiple payment tokens on a communication device. The communication device may be provisioned with multiple limited use keys (LUK), each LUK being associated with a specific type of transaction. When the communication device is used for a transaction, the communication device automatically determines a type of the transaction and selects an appropriate LUK based on the determined transaction type. The selected LUK may be used to create a cryptogram, which can be used to verify the transaction.
摘要翻译：本发明的实施例在通信设备上提供多个支付令牌。可以向通信设备提供多个有限使用密钥（LUK），每个LUK与特定类型的事务相关联。当通信设备用于交易时，通信设备自动地确定事务的类型并且基于所确定的事务类型来选择适当的LUK。所选LUK可用于创建密码，可用于验证事务。

6. 发明申请

US20150058224A1 Mechanism For Secure In-Vehicle Payment Transaction 审中-公开
标题翻译：安全车载支付交易机制
公开(公告)号：US20150058224A1
公开(公告)日：2015-02-26
申请号：US14466405
申请日：2014-08-22
申请人： Ajit Gaddam , Gyan Prakash , Selim Aissi
发明人： Ajit Gaddam , Gyan Prakash , Selim Aissi
IPC分类号： G06Q20/32 , G06Q20/40 , G06Q20/10
CPC分类号： G06Q20/327 , G06Q20/322 , G06Q20/40 , G07B15/063
摘要： Embodiments use a vehicle as a payment instrument to complete a payment transaction. A vehicle interface device (VID) coupled to the vehicle is used for transmitting payment account information to a merchant access device. The VID may be registered to the specific vehicle identification number (VIN) of the vehicle. Prior to transmitting the payment account information to the merchant access device, the VID may ensure that a mobile communication device is within the vehicle and/or that the VID is coupled to the correct vehicle. For example, the VID may compare the VIN of the vehicle to the VIN that is programmed to the VID. When the colocation of the VID with the mobile communication device and/or the correct vehicle is confirmed, the VID may forward payment account information to the merchant access device.
摘要翻译：实施例使用车辆作为支付工具来完成支付交易。耦合到车辆的车辆接口设备（VID）用于将付款帐户信息传送到商家访问设备。 VID可以登记到车辆的特定车辆识别号码（VIN）。在将付款账户信息发送到商家访问设备之前，VID可以确保移动通信设备在车辆内和/或VID被耦合到正确的车辆。例如，VID可以将车辆的VIN与编程为VID的VIN进行比较。当VID与移动通信设备和/或正确的车辆的托管被确认时，VID可以将付款帐户信息转发到商家访问设备。

7. 发明申请

US20150058146A1 Dynamic Account Selection 审中-公开
标题翻译：动态帐户选择
公开(公告)号：US20150058146A1
公开(公告)日：2015-02-26
申请号：US14466834
申请日：2014-08-22
申请人： Ajit Gaddam , Gyan Prakash , Selim Aissi
发明人： Ajit Gaddam , Gyan Prakash , Selim Aissi
IPC分类号： G06Q20/24 , G06Q20/20 , G06Q20/22 , G06Q20/34 , G06Q20/36
CPC分类号： G06Q20/227 , G06Q20/322 , G06Q20/341 , G06Q20/36
摘要： Embodiments automatically select one of the multiple pre-generated payment cards provisioned on a mobile device. The multiple pre-generated payment cards (real or virtual) may each have a different credit limit. The mobile device may automatically select one of the multiple payment cards based on a transaction value of a transaction that is being conducted. An available credit limit of the selected payment card may be equal to or slightly greater than the transaction value. In some embodiments, the available credit limit of the selected payment card may be closer to the transaction value than the available credit limits of the remaining payment cards. In some embodiments, the different payment cards may be provisioned in a chip-and-pin based smart credit card or mobile wallet.
摘要翻译：实施例自动选择在移动设备上提供的多个预先生成的支付卡中的一个。多个预先生成的支付卡（实际或虚拟）可以各自具有不同的信用限额。移动设备可以基于正在进行的交易的交易值自动选择多个支付卡中的一个。所选支付卡的可用信用额度可以等于或稍大于交易值。在一些实施例中，所选支付卡的可用信用额度可以比剩余支付卡的可用信用额度更接近交易值。在一些实施例中，可以在基于芯片和针脚的智能信用卡或移动钱包中提供不同的支付卡。

8. 发明申请

US20170357885A1 MOBILE DEVICE WITH SCANNABLE IMAGE INCLUDING DYNAMIC DATA 有权
公开(公告)号：US20170357885A1
公开(公告)日：2017-12-14
申请号：US15687846
申请日：2017-08-28
申请人： Ajit Gaddam , Gyan Prakash , Selim Aissi
发明人： Ajit Gaddam , Gyan Prakash , Selim Aissi
IPC分类号： G06K19/06 , H04N1/32
CPC分类号： G06K19/06112 , G06K19/06 , G06K19/06037 , G06K19/06103 , H04N1/32117 , H04N2201/3269
摘要： A mobile phone is disclosed. The mobile phone may receive a first request to generate an initial scannable image, and a second request to generate modified scannable image. The modified scannable image can include a static portion that corresponds to a static portion of the initial scannable image. The modified scannable image may also include another portion that has a different appearance than a corresponding portion of the initial scannable image.

9. 发明申请

US20160217461A1 TRANSACTION UTILIZING ANONYMIZED USER DATA 审中-公开
标题翻译：交易使用匿名用户数据
公开(公告)号：US20160217461A1
公开(公告)日：2016-07-28
申请号：US15004635
申请日：2016-01-22
申请人： Ajit Gaddam , Gyan Prakash , Selim Aissi
发明人： Ajit Gaddam , Gyan Prakash , Selim Aissi
IPC分类号： G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/383 , G06Q20/3223 , G06Q20/385
摘要： A user requests to utilize anonymized user data to conduct a transaction. The anonymized user data keeps the user's sensitive data private, while still allowing certain entities to perform fraud analyses. The user configures a specific combination of user data elements to be anonymized prior to or at the time of the transaction. In some embodiments, the specific combination may be associated with a location or merchant type, which can also be selected by the user. The registration of a password associated with the anonymized user data may further increase security of the transaction.
摘要翻译：用户请求使用匿名用户数据进行交易。匿名用户数据使用户的敏感数据保密，同时允许某些实体执行欺诈分析。用户在交易之前或交易时配置用户数据元素的特定组合以进行匿名化。在一些实施例中，特定组合可以与也可由用户选择的位置或商家类型相关联。与匿名用户数据相关联的密码的注册可以进一步增加交易的安全性。

10. 发明申请

US20170078267A1 IMAGE BASED KEY DERIVATION FUNCTION 审中-公开
标题翻译：基于图像的主要衍生功能
公开(公告)号：US20170078267A1
公开(公告)日：2017-03-16
申请号：US15359554
申请日：2016-11-22
申请人： Selim Aissi , Taeho Kgil , Ajit Gaddam
发明人： Selim Aissi , Taeho Kgil , Ajit Gaddam
IPC分类号： H04L29/06 , H04L9/08 , G06F21/36
CPC分类号： H04L63/083 , G06F21/36 , G06F2221/2107 , G09C5/00 , H04L9/0861 , H04L63/0428 , H04L63/06 , H04L63/08 , H04L2463/061 , H04L2463/062
摘要： Embodiments of the invention relate to methods of generating and using an image-based derived key. In various embodiments, the image-based derived key may be used to facilitate user authentication and data encryption. For some embodiments, a method is disclosed comprising determining an image-based derived key, wherein the image-based derived key is generated from a selection of authentication images chosen by a user, encrypting data using the image-based derived key, and transmitting the encrypted data.
摘要翻译：本发明的实施例涉及生成和使用基于图像的导出密钥的方法。在各种实施例中，基于图像的导出密钥可以用于促进用户认证和数据加密。对于一些实施例，公开了一种方法，其包括确定基于图像的派生密钥，其中基于图像的导出密钥是从用户选择的认证图像的选择生成的，使用基于图像的派生密钥对数据进行加密，以及发送加密数据。

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