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1. 发明申请

US20190122210A1 MOBILE PAYMENT APPLICATION PROVISIONING AND PERSONALIZATION ON A MOBILE DEVICE 审中-公开
公开(公告)号：US20190122210A1
公开(公告)日：2019-04-25
申请号：US16219772
申请日：2018-12-13
申请人： Oleg Makhotin , Hao Ngo , Christian Aabye , Kiushan Pirzadeh
发明人： Oleg Makhotin , Hao Ngo , Christian Aabye , Kiushan Pirzadeh
IPC分类号： G06Q20/38 , G06Q20/34 , G06Q20/02 , G06Q20/32
摘要： Embodiments of the present invention are directed to systems and methods for providing a central entity that can provision mobile payment applications on mobile communication devices and personalize the mobile payment applications with consumer and account information. The personalization of the mobile payment application on the mobile communication device may include provisioning a payment account on the mobile payment application. The central entity may provision the account on the mobile payment application without interacting with the issuer during the provisioning of the account. The central entity may provision the account on the mobile communication device by decrypting, using a secure element key, encrypted payment account information received from the mobile communication device. The payment account information may be encrypted by a secure element of the mobile communication device using the same secure element key.

2. 发明申请

US20150127529A1 METHODS AND SYSTEMS FOR MOBILE PAYMENT APPLICATION SELECTION AND MANAGEMENT USING AN APPLICATION LINKER 审中-公开
标题翻译：使用应用程序链接器的移动支付应用程序选择和管理的方法和系统
公开(公告)号：US20150127529A1
公开(公告)日：2015-05-07
申请号：US14534037
申请日：2014-11-05
申请人： Oleg Makhotin , Christian Aabye , Kiushan Pirzadeh
发明人： Oleg Makhotin , Christian Aabye , Kiushan Pirzadeh
IPC分类号： G06Q20/08 , G06Q20/32
摘要： An application linker system that manages a plurality of application identifiers associated with a plurality of payment applications present on a device is disclosed. The application linker may manage relationships between application identifiers and payment applications that are provisioned for secure storage on a device. For example, a transaction can be conducted between a portable communication device and an access device. The method includes receiving a request for available payment applications located on the portable communication device from the access device, determining application identifiers associated with payment applications on the device, and sending a list of available payment applications including the application identifiers to the access device. The payment applications store payment information associated with one or more consumer accounts. One of the application identifiers is associated with two or more payment applications.
摘要翻译：公开了一种管理与存在于设备上的多个支付应用相关联的多个应用标识符的应用链接器系统。应用程序链接器可以管理应用程序标识符和为设备上的安全存储配置的支付应用程序之间的关系。例如，可以在便携式通信设备和接入设备之间进行交易。该方法包括从访问设备接收位于便携式通信设备上的可用支付应用的请求，确定与设备上的支付应用相关联的应用标识符，以及将包括应用标识符的可用支付应用的列表发送到接入设备。支付应用程序存储与一个或多个消费者帐户相关联的支付信息。其中一个应用程序标识符与两个或多个支付应用程序相关联。

3. 发明申请

US20150073996A1 Mobile Payment Application Provisioning And Personalization on a Mobile Device 审中-公开
标题翻译：移动设备上的移动支付应用程序配置和个性化
公开(公告)号：US20150073996A1
公开(公告)日：2015-03-12
申请号：US14481785
申请日：2014-09-09
申请人： Oleg Makhotin , Hao Ngo , Christian Aabye , Kiushan Pirzadeh
发明人： Oleg Makhotin , Hao Ngo , Christian Aabye , Kiushan Pirzadeh
IPC分类号： G06Q20/32 , G06Q20/38
CPC分类号： G06Q20/3829 , G06Q20/02 , G06Q20/3227 , G06Q20/325 , G06Q20/3278 , G06Q20/354 , G06Q20/3552
摘要： Embodiments of the present invention are directed to systems and methods for providing a central entity that can provision mobile payment applications on mobile communication devices and personalize the mobile payment applications with consumer and account information. The personalization of the mobile payment application on the mobile communication device may include provisioning a payment account on the mobile payment application. The central entity may provision the account on the mobile payment application without interacting with the issuer during the provisioning of the account. The central entity may provision the account on the mobile communication device by decrypting, using a secure element key, encrypted payment account information received from the mobile communication device. The payment account information may be encrypted by a secure element of the mobile communication device using the same secure element key.
摘要翻译：本发明的实施例涉及用于提供中央实体的系统和方法，所述中央实体可以在移动通信设备上提供移动支付应用，并使移动支付应用程序具有消费者和帐户信息。移动通信设备上的移动支付应用的个性化可以包括在移动支付应用上提供支付账户。中央实体可以在移动支付应用程序中提供帐户，而不会在提供账户期间与发行者进行交互。中央实体可以通过使用安全元素密钥解密从移动通信设备接收的加密支付帐户信息来在移动通信设备上提供帐户。支付帐户信息可以使用相同的安全元件密钥由移动通信设备的安全元件加密。

4. 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.

5. 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.

6. 发明申请

US20150088756A1 Secure Remote Payment Transaction Processing Including Consumer Authentication 审中-公开
标题翻译：安全远程支付事务处理包括消费者认证
公开(公告)号：US20150088756A1
公开(公告)日：2015-03-26
申请号：US14493247
申请日：2014-09-22
申请人： Oleg Makhotin , Kiushan Pirzadeh
发明人： Oleg Makhotin , Kiushan Pirzadeh
IPC分类号： G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/3829 , G06Q20/12 , G06Q20/32 , G06Q20/382 , G06Q20/3823 , G06Q20/401
摘要： Embodiments of the invention are directed to methods, apparatuses, computer-readable media, and systems for securely processing remote transactions. One embodiment is directed to a method of processing a remote transaction initiated by a communication device. The method comprising a server computer receiving a payment request including encrypted payment information that is encrypted using a first key. The encrypted payment information including security information. The method further comprises decrypting the encrypted payment information using a second key, obtaining an authentication response value for the remote transaction from an authentication computer associated with an issuer, updating the decrypted payment information to include the authentication response value, re-encrypting the decrypted payment information using a third key, and sending a payment response including the re-encrypted payment information to a transaction processor. The transaction processor decrypting the re-encrypted payment information using a fourth key and initiating a payment transaction using the decrypted payment information.
摘要翻译：本发明的实施例涉及用于安全地处理远程事务的方法，装置，计算机可读介质和系统。一个实施例涉及一种处理由通信设备发起的远程事务的方法。该方法包括服务器计算机接收包括使用第一密钥加密的加密支付信息的支付请求。加密的支付信息包括安全信息。该方法还包括使用第二密钥解密加密的支付信息，从与发行者相关联的认证计算机获得远程交易的认证响应值，更新解密的支付信息以包括认证响应值，重新加密解密的支付使用第三密钥的信息，以及将包括重新加密的支付信息的支付响应发送到交易处理器。交易处理器使用第四密钥解密重新加密的支付信息，并使用解密的支付信息发起支付交易。

7. 发明申请

US20150046339A1 METHODS AND SYSTEMS FOR PROVISIONING MOBILE DEVICES WITH PAYMENT CREDENTIALS 审中-公开
标题翻译：用支付凭证提供移动设备的方法和系统
公开(公告)号：US20150046339A1
公开(公告)日：2015-02-12
申请号：US14455600
申请日：2014-08-08
申请人： Erick Wong , Kiushan Pirzadeh , Oleg Makhotin , Glenn Powell , Igor Karpenko , John Sheets , Frederick Liu
发明人： Erick Wong , Kiushan Pirzadeh , Oleg Makhotin , Glenn Powell , Igor Karpenko , John Sheets , Frederick Liu
IPC分类号： G06Q20/38 , G06Q20/40 , G06Q20/32
摘要： Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.
摘要翻译：描述的实施例旨在优化使用移动钱包的移动设备的支付帐户凭证的提供。在一些实施例中，可以基于与特定供应请求相关的确定的风险来选择性地选择多个供应方案之一用于支付帐户凭证供应。低风险提供请求导致立即提供支付凭证，而高风险的供应请求导致供应请求被拒绝。在一些实施例中，中等风险供应请求将导致在支付帐户供应被最终确定之前执行额外的用户认证。附加用户认证可以使用与接收供应请求的信道不同的通信信道来进行。

8. 发明申请

US20170200156A1 SECURE REMOTE PAYMENT TRANSACTION PROCESSING USING A SECURE ELEMENT 审中-公开
公开(公告)号：US20170200156A1
公开(公告)日：2017-07-13
申请号：US15471800
申请日：2017-03-28
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
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.

9. 发明申请

US20150052064A1 Secure Remote Payment Transaction Processing Using a Secure Element 有权
标题翻译：使用安全元素进行安全的远程支付事务处理
公开(公告)号：US20150052064A1
公开(公告)日：2015-02-19
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： G06Q20/38 , G06Q20/32
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.
摘要翻译：本发明的实施例涉及用于安全地处理远程事务的方法，装置，计算机可读介质和系统。本发明的一个实施例涉及一种处理由移动设备发起的远程交易的方法。该方法包括通过移动设备的安全存储器上的移动支付应用从移动设备上的交易处理器应用接收交易数据。该方法还包括验证交易处理器应用是真实的并且响应于验证交易处理器应用，向交易处理器应用提供加密的支付凭证。交易处理器应用程序使用加密的支付凭证进一步发起与交易处理器服务器计算机的支付交易。

10. 发明申请

US20150149270A1 Trusted Internal Interface 审中-公开
标题翻译：可信内部接口
公开(公告)号：US20150149270A1
公开(公告)日：2015-05-28
申请号：US14611091
申请日：2015-01-30
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
IPC分类号： G06Q20/32 , G06Q30/02 , G06Q20/20
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译：支付设备的接口和设备架构。安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。

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