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11. 发明申请

US20170221056A1 SECURE REMOTE PAYMENT TRANSACTION PROCESSING USING A SECURE ELEMENT 审中-公开
公开(公告)号：US20170221056A1
公开(公告)日：2017-08-03
申请号：US15490191
申请日：2017-04-18
申请人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
发明人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
IPC分类号： G06Q20/38 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/3829 , G06Q20/3227 , G06Q20/3278 , G06Q20/38215 , G06Q20/401 , G06Q20/409
摘要： Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.

12. 发明授权

US09646303B2 Secure remote payment transaction processing using a secure element 有权
公开(公告)号：US09646303B2
公开(公告)日：2017-05-09
申请号：US14461227
申请日：2014-08-15
申请人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
发明人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
IPC分类号： G06Q20/00 , G06Q20/38 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/3829 , G06Q20/3227 , G06Q20/3278 , G06Q20/38215 , G06Q20/401 , G06Q20/409
摘要： Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.

13. 发明申请

US20160328707A1 PROVISIONING OF ACCESS CREDENTIALS USING DEVICE CODES 审中-公开
标题翻译：使用设备代码提供访问权限
公开(公告)号：US20160328707A1
公开(公告)日：2016-11-10
申请号：US15148896
申请日：2016-05-06
申请人： Kim R. Wagner , John F. Sheets , Glenn Powell
发明人： Kim R. Wagner , John F. Sheets , Glenn Powell
IPC分类号： G06Q20/38 , G06Q20/36 , H04W12/08 , G07C9/00 , H04W12/06 , G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/38215 , G06Q20/322 , G06Q20/3674 , G06Q20/3821 , G06Q20/401 , H04L63/0807 , H04W12/06 , H04W12/08
摘要： Systems and methods are described for provisioning access credentials to a mobile device using device and authorization codes. Once provisioned, a mobile device can be used to conduct a transaction.
摘要翻译：描述了使用设备和授权码为移动设备提供访问凭证的系统和方法。一旦提供，可以使用移动设备进行交易。

14. 发明申请

US20150195133A1 METHODS AND SYSTEMS FOR PROVISIONING MULTIPLE DEVICES 审中-公开
标题翻译：提供多种设备的方法和系统
公开(公告)号：US20150195133A1
公开(公告)日：2015-07-09
申请号：US14591836
申请日：2015-01-07
申请人： John Sheets , Glenn Powell , Igor Karpenko , Erick Wong
发明人： John Sheets , Glenn Powell , Igor Karpenko , Erick Wong
IPC分类号： H04L12/24 , H04W4/00
CPC分类号： H04W4/50
摘要： Embodiments of the present invention are directed to methods, systems, and apparatuses for provisioning account information to a mobile device. In one embodiment, following the provisioning of account information to a first mobile device of a user, a second mobile device of the user may be provisioned without requiring the user to provide account information for the provisioned accounts. In another embodiment, provisioned account information may be stored to a remote database, and subsequently restored to a previously provisioned mobile device or provisioned to a new mobile device.
摘要翻译：本发明的实施例涉及用于向移动设备提供帐户信息的方法，系统和装置。在一个实施例中，在向用户的第一移动设备提供帐户信息之后，可以提供用户的第二移动设备，而不需要用户提供所提供帐户的帐户信息。在另一个实施例中，所设置的帐户信息可以被存储到远程数据库，并且随后被恢复到先前提供的移动设备或被提供给新的移动设备。

15. 发明申请

US20150046338A1 MULTI-NETWORK TOKENIZATION PROCESSING 审中-公开
标题翻译：多网络协调处理
公开(公告)号：US20150046338A1
公开(公告)日：2015-02-12
申请号：US14455574
申请日：2014-08-08
申请人： PRASANNA LAXMINARAYANAN , Glenn Powell , John Sheets , Paul Tait , Andrew Carpenter
发明人： PRASANNA LAXMINARAYANAN , Glenn Powell , John Sheets , Paul Tait , Andrew Carpenter
IPC分类号： G06Q20/38
CPC分类号： G06Q20/38215 , G06Q20/20
摘要： Systems, apparatuses, and methods are provided for enabling a transaction using a token associated with a first payment network to be conducted using a second payment network. When a transaction using a token is submitted to a payment network, the payment network can determine the payment network associated with the token. If the token is associated with a second payment network, a token verification request including the token can be sent to the second payment network. The second payment network can then return a token verification response including a primary account identifier such as a primary account number (PAN) corresponding to the token and a validation result. The transaction may then be processed using the primary account identifier.
摘要翻译：提供了系统，装置和方法，以使得能够使用第二支付网络来执行使用与第一支付网络相关联的令牌的交易。当使用令牌的交易被提交到支付网络时，支付网络可以确定与令牌相关联的支付网络。如果令牌与第二支付网络相关联，则可以将包括令牌的令牌验证请求发送到第二支付网络。第二支付网络然后可以返回令牌验证响应，该令牌验证响应包括诸如与令牌相对应的主帐号（PAN）的主帐户标识符和验证结果。然后可以使用主帐户标识符处理该交易。

16. 发明申请

US20150327072A1 METHOD AND SYSTEM FOR PROVISIONING ACCESS DATA TO MOBILE DEVICE 审中-公开
标题翻译：用于向移动设备提供访问数据的方法和系统
公开(公告)号：US20150327072A1
公开(公告)日：2015-11-12
申请号：US14707788
申请日：2015-05-08
申请人： Glenn Powell , John F. Sheets
发明人： Glenn Powell , John F. Sheets
IPC分类号： H04W12/08 , H04L29/08 , H04L29/06
CPC分类号： H04W12/06 , G06Q20/32 , G06Q20/36 , G06Q20/38215 , G06Q20/40 , H04L63/10 , H04L67/04 , H04W12/04 , H04W12/08 , H04W88/02
摘要： A method and system for provisioning access data in a second application on a mobile device using a first application on the mobile device. Authentication data may be input into the first application, and an authentication code may be requested from a remote server. After the authentication code is received by the first application in the mobile device, it can pass the authentication code to a second application that initiates an access data provisioning process.
摘要翻译：一种在移动设备上使用移动设备上的第一应用在第二应用中提供访问数据的方法和系统。验证数据可以被输入到第一应用中，并且可以从远程服务器请求认证码。在移动设备中的第一应用程序接收到认证码之后，它可以将认证码传递给发起访问数据提供处理的第二应用。

17. 发明申请

US20150161724A1 PREPAID LOAD WITH ACCOUNT LINKING 有权
标题翻译： PREPAID负载与帐户链接
公开(公告)号：US20150161724A1
公开(公告)日：2015-06-11
申请号：US14103702
申请日：2013-12-11
申请人： Justin Chace , Glenn Powell , Craig O'Connell
发明人： Justin Chace , Glenn Powell , Craig O'Connell
IPC分类号： G06Q40/02 , G06Q20/28
CPC分类号： G06Q40/02 , G06Q20/28
摘要： Embodiments of the present invention relate to linking a prepaid account with a payment account used to fund the prepaid account. In some embodiments, during payment for a prepaid device, an authorization request message may include a prepaid account identifier associated with the prepaid account. In some embodiments, an activation request message may include a payment account identifier associated with the payment account. A server at the payment processing network may store an association between the prepaid account identifier and the payment account identifier in an account link database. In some embodiments of the invention, if the payment account is canceled, the payment processing network may use the account link database to cancel any associated prepaid devices, and may transfer funds associated with corresponding prepaid accounts to an issuer associated with the payment account.
摘要翻译：本发明的实施例涉及将预付帐户与用于为预付帐户提供资金的支付帐户相关联。在一些实施例中，在支付预付费设备期间，授权请求消息可以包括与预付帐户相关联的预付帐户标识符。在一些实施例中，激活请求消息可以包括与支付帐户相关联的支付帐户标识符。支付处理网络中的服务器可以在帐户链接数据库中存储预付帐户标识符和支付帐户标识符之间的关联。在本发明的一些实施例中，如果支付帐户被取消，支付处理网络可以使用帐户链接数据库来取消任何相关联的预付款设备，并且可以将与相应的预付帐户相关联的资金转移到与支付账户相关联的发行商。

18. 发明申请

US20180285864A1 SYSTEMS AND METHODS FOR COMMUNICATING TOKEN ATTRIBUTES ASSOCIATED WITH A TOKEN VAULT 审中-公开
公开(公告)号：US20180285864A1
公开(公告)日：2018-10-04
申请号：US15974599
申请日：2018-05-08
申请人： Matthew Dill , Prasanna L. Narayan , Glenn Powell , John Sheets , Andrew Carpenter
发明人： Matthew Dill , Prasanna L. Narayan , Glenn Powell , John Sheets , Andrew Carpenter
IPC分类号： G06Q20/38 , G06Q20/40 , H04L9/32
摘要： Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.

19. 发明申请

US20140344155A1 OUT OF BAND AUTHENTICATION AND AUTHORIZATION PROCESSING 审中-公开
标题翻译：没有验证和授权加工
公开(公告)号：US20140344155A1
公开(公告)日：2014-11-20
申请号：US14280498
申请日：2014-05-16
申请人： Frederick Liu , Shaw Li , Glenn Powell , Mark Nelsen
发明人： Frederick Liu , Shaw Li , Glenn Powell , Mark Nelsen
IPC分类号： G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/4016 , G06Q20/322 , G06Q20/40
摘要： Methods and systems for providing data retrieved and analyzed as part of an authentication process for a user device to other entities of a transaction system are disclosed. This data can be used by other entities of the transaction system to enable more secure authorization processes for transactions. A risk score generated for a payment application server computer and the data used to generate the risk score can be leveraged to provide an issuer with more detailed data to ensure that the user engaging in a transaction is authenticated and that transactions being processed by the issuer are not fraudulent.
摘要翻译：公开了用于提供作为用户设备到交易系统的其他实体的认证过程的一部分检索和分析的数据的方法和系统。该数据可以由事务系统的其他实体使用，以实现事务的更安全的授权流程。可以利用为支付应用服务器计算机生成的风险分数和用于生成风险分数的数据，以向发行者提供更详细的数据，以确保参与交易的用户被认证，并且由发行者处理的交易是不欺诈

20. 发明申请

US20130212026A1 DATA PROTECTION WITH TRANSLATION 审中-公开
标题翻译：数据保护与翻译
公开(公告)号：US20130212026A1
公开(公告)日：2013-08-15
申请号：US13735800
申请日：2013-01-07
申请人： Glenn Powell , John Sheets , Paul Tait , Kim Wagner , Krishna Koganti , Marc Perl , Hector Rodriguez , Susan Zloth
发明人： Glenn Powell , John Sheets , Paul Tait , Kim Wagner , Krishna Koganti , Marc Perl , Hector Rodriguez , Susan Zloth
IPC分类号： G06Q20/38
CPC分类号： G06Q20/3823 , G06F21/606 , G06Q20/4012 , G07F7/1091
摘要： Systems and methods are disclosed in which data associated with a transaction are protected with encryption. At an access device, a PIN associated with a payment account may be encrypted with a first key derived from an initial key of the access device and sensitive data associated with the payment account may be encrypted with a second key derived from the initial key. At a secure module associated with a host server encrypted sensitive data of an authorization request message may be decrypted. The secure module associated with the host server can re-encrypt the sensitive data using a zone encryption key associated with a payment processing network. A translated authorization request message including the re-encrypted sensitive data can be transmitted by the merchant server to the payment processing network.
摘要翻译：公开了与事务相关联的数据通过加密来保护的系统和方法。在访问设备处，与支付帐户相关联的PIN可以用从访问设备的初始密钥导出的第一密钥加密，并且与支付帐户相关联的敏感数据可以用从初始密钥导出的第二密钥进行加密。在与主机服务器相关联的安全模块中，可以解密授权请求消息的加密敏感数据。与主机服务器相关联的安全模块可以使用与支付处理网络相关联的区域加密密钥来重新加密敏感数据。包括重新加密的敏感数据的翻译的授权请求消息可以由商家服务器发送到支付处理网络。

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