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1. 发明申请

US20160119296A1 Token Enrollment System and Method 有权
标题翻译：令牌注册系统和方法
公开(公告)号：US20160119296A1
公开(公告)日：2016-04-28
申请号：US14920618
申请日：2015-10-22
申请人： Prasanna Laxminarayanan , Karthikeyan Palanisamy , Ramji Sethuraman
发明人： Prasanna Laxminarayanan , Karthikeyan Palanisamy , Ramji Sethuraman
IPC分类号： H04L29/06 , H04L9/14
CPC分类号： H04L63/0428 , H04L9/0822 , H04L9/083 , H04L9/14 , H04L63/0876 , H04L2209/24 , H04L2209/56 , H04L2463/102
摘要： Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing a token service environment that allows a token requesting party (e.g. token requestor) to specify parameters for token generation for controlling and customizing the token generation process. For example, the token requesting party may specify (e.g. select from a list or provide a list of) the accounts for tokenization. The accounts may be identified by account identifiers (e.g. account numbers) or bank identification numbers (BINs). The token requesting party may also specify encryption keys for the tokens to be generated. The token requesting party may also specify additional parameters such as notification thresholds indicating when notifications associated with the tokens are to be generated.
摘要翻译：本发明的实施例涉及用于提供令牌服务环境的方法，装置，计算机可读介质和系统，其允许令牌请求方（例如，令牌请求者）指定用于令牌生成的参数以用于控制和定制令牌生成过程。例如，令牌请求方可以指定（例如从列表中选择或提供用于令牌化的帐户的列表）。帐户可以由帐户标识符（例如帐号）或银行识别号码（BIN）来识别。令牌请求方还可以指定要生成的令牌的加密密钥。令牌请求方还可以指定附加参数，例如指示将何时生成与令牌相关联的通知的通知阈值。

2. 发明申请

US20160301683A1 BROWSER INTEGRATION WITH CRYPTOGRAM 审中-公开
标题翻译：浏览器与CRYPTOGRAM集成
公开(公告)号：US20160301683A1
公开(公告)日：2016-10-13
申请号：US15094630
申请日：2016-04-08
申请人： Prasanna Laxminarayanan , Ramji Sethuraman
发明人： Prasanna Laxminarayanan , Ramji Sethuraman
IPC分类号： H04L29/06 , H04L29/08
CPC分类号： H04L63/0807 , G06Q20/027 , G06Q20/0855 , G06Q20/38215 , G06Q20/385 , H04L63/0823 , H04L63/168 , H04L67/02
摘要： This disclosure includes utilizing a token cryptogram with a browser to facilitate a transaction. A webpage of a website is configured to accept a token cryptogram in fields of the webpage. The webpage of the website may indicate that it is token-aware and is configured to accept the token cryptograms.
摘要翻译：本公开包括利用具有浏览器的令牌密码来促进事务。网站的网页被配置为在网页的字段中接受令牌密码。网站的网页可能表示它是令牌感知的，并被配置为接受令牌密码。

3. 发明申请

US20150199679A1 MULTIPLE TOKEN PROVISIONING 审中-公开
标题翻译：多功能提供
公开(公告)号：US20150199679A1
公开(公告)日：2015-07-16
申请号：US14595843
申请日：2015-01-13
申请人： Karthikeyan Palanisamy , Glenn Powell , Prasanna Laxminarayanan
发明人： Karthikeyan Palanisamy , Glenn Powell , Prasanna Laxminarayanan
IPC分类号： G06Q20/36
CPC分类号： G06Q20/385 , G06Q20/34
摘要： An issuer computer may store a primary account number, and may generate a series of first payment tokens for a plurality of payment devices used by a consumer. The issuer computer may then provide the first payment tokens to a payment processing server computer. The payment processing server computer may then generate a plurality of second payment tokens corresponding to the first payment tokens. The second payment tokens may then be provisioned onto the consumer's payment devices.
摘要翻译：发行者计算机可以存储主帐号，并且可以为消费者使用的多个支付装置生成一系列第一支付令牌。然后，发行者计算机可以向支付处理服务器计算机提供第一支付令牌。然后，支付处理服务器计算机可以生成对应于第一支付令牌的多个第二支付令牌。然后可以将第二付款令牌设置到消费者的支付设备上。

4. 发明申请

US20150032626A1 SYSTEMS AND METHODS FOR INTEROPERABLE NETWORK TOKEN PROCESSING 审中-公开
标题翻译：可互联网络处理的系统与方法
公开(公告)号：US20150032626A1
公开(公告)日：2015-01-29
申请号：US14340444
申请日：2014-07-24
申请人： Matthew Dill , Prasanna Laxminarayanan , Glenn Powell , John Sheets , Andrew Carpenter
发明人： Matthew Dill , Prasanna Laxminarayanan , Glenn Powell , John Sheets , Andrew Carpenter
IPC分类号： G06Q20/38 , G06Q20/40
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.
摘要翻译：提供了可互操作的网络令牌处理的系统和方法。网络令牌系统提供可以由外部实体（例如，第三方钱包，电子商务商家，支付使能者/支付服务提供商等）或需要使用令牌的内部支付处理网络系统来利用的平台以方便支付交易。令牌注册表库可以为令牌的生成，使用和管理提供各种令牌请求者（例如，移动设备，发行商，商家，移动钱包提供商等），商家，获取者，发行者和支付处理网络系统的接口。网络令牌系统还提供诸如卡注册，令牌生成，令牌发行，令牌认证和激活，令牌交换和令牌生命周期管理等服务。

5. 发明申请

US20140344153A1 MOBILE TOKENIZATION HUB 有权
标题翻译：移动协调小区
公开(公告)号：US20140344153A1
公开(公告)日：2014-11-20
申请号：US14279186
申请日：2014-05-15
申请人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
发明人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
IPC分类号： G06Q20/38 , G06Q20/32
CPC分类号： G06Q20/3821 , G06Q20/027 , G06Q20/3223 , G06Q20/385
摘要： Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.
摘要翻译：本发明的实施例涉及用于使用可以为各种上下文中的各种实体提供标记化的公共标记化能力（CTC）模块来实现移动标记集线器的系统和方法。例如，CTC模块可以提供和存储用于移动支付交易，过境交易，数字钱包应用，商业销售点（POS）应用，个性化服务等的令牌。

6. 发明申请

US20160292686A1 AUTHENTICATION SYSTEMS AND METHODS FOR CREDENTIAL ACTIVATION AND PROVISIONING 审中-公开
标题翻译：认证系统和方法，用于认证活动和提供
公开(公告)号：US20160292686A1
公开(公告)日：2016-10-06
申请号：US15087054
申请日：2016-03-31
申请人： Prasanna Laxminarayanan , Simon Law , Anjana Surin , Erick Wong
发明人： Prasanna Laxminarayanan , Simon Law , Anjana Surin , Erick Wong
IPC分类号： G06Q20/40 , H04L29/06
CPC分类号： G06Q20/4014 , G06F21/31 , G06Q20/385 , H04L63/102 , H04W12/0023 , H04W12/06
摘要： Authentication systems and methods are provided for credential activation and/or provisioning. A transaction is made by a transaction processor to a user's credential account that contains a value and an activation code. The user retrieves the activation code from his or her account and provides it to the transaction processor. If the activation codes match, the credential may be activated.
摘要翻译：提供认证系统和方法用于凭证激活和/或供应。交易处理器对包含值和激活码的用户凭证帐户进行交易。用户从他或她的帐户检索激活代码，并将其提供给事务处理器。如果激活码匹配，则凭据可能被激活。

7. 发明申请

US20150032627A1 SYSTEMS AND METHODS FOR COMMUNICATING TOKEN ATTRIBUTES ASSOCIATED WITH A TOKEN VAULT 有权
标题翻译：与TOKEN VAULT相关联的东京属性的系统和方法
公开(公告)号：US20150032627A1
公开(公告)日：2015-01-29
申请号：US14340464
申请日：2014-07-24
申请人： Matthew Dill , Prasanna Laxminarayanan , Glenn Powell , John Sheets , Andrew Carpenter
发明人： Matthew Dill , Prasanna Laxminarayanan , Glenn Powell , John Sheets , Andrew Carpenter
IPC分类号： G06Q20/40
CPC分类号： G06Q20/385 , G06Q20/40 , G06Q20/4016 , H04L9/32 , H04L2209/42 , H04L2209/56
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.
摘要翻译：提供了可互操作的网络令牌处理的系统和方法。网络令牌系统提供可以由外部实体（例如，第三方钱包，电子商务商家，支付使能者/支付服务提供商等）或需要使用令牌的内部支付处理网络系统来利用的平台以方便支付交易。令牌注册表库可以为令牌的生成，使用和管理提供各种令牌请求者（例如，移动设备，发行商，商家，移动钱包提供商等），商家，获取者，发行者和支付处理网络系统的接口。网络令牌系统还提供诸如卡注册，令牌生成，令牌发行，令牌认证和激活，令牌交换和令牌生命周期管理等服务。

8. 发明申请

US20130325722A1 PAYMENT RECONCILIATION SYSTEM 审中-公开
标题翻译：付款重组系统
公开(公告)号：US20130325722A1
公开(公告)日：2013-12-05
申请号：US13905045
申请日：2013-05-29
申请人： Inder Mohan , Prasanna Laxminarayanan
发明人： Inder Mohan , Prasanna Laxminarayanan
IPC分类号： G06Q20/14
CPC分类号： G06Q20/14 , G06Q20/027
摘要： The methods and systems described herein include a data gateway adapted to automate payment reconciliation between a buyer and a supplier of goods and services. The data gateway can be configured to receive and validate payment instructions for one or more payment transactions between the buyer and the supplier to select a payment method based on the payment instructions. Transaction request messages are generated and transmitted to a payment processing network or a payment transfer system associated with the selected payment method. A payment reconciliation message can then be generated and transmitted by the data gateway to a buyer adapter associated with a buyer computer system and a supplier adapter associated with a supplier computer system when the data gateway receives payment authorization from the payment processing network or payment transfer system.
摘要翻译：本文描述的方法和系统包括适于使买方和货物和服务的供应商之间的支付协调自动化的数据网关。数据网关可以被配置为接收并验证买方和供应商之间的一个或多个支付交易的支付指令，以基于支付指令选择支付方法。生成交易请求消息并将其发送到与选择的支付方法相关联的支付处理网络或支付传送系统。然后，当数据网关从支付处理网络或支付转移系统接收支付授权时，数据网关可以生成并发送支付协调消息并将其发送到与供应商计算机系统相关联的买方计算机系统和供应商适配器相关联的买方适配器。

9. 发明授权

US09978062B2 Mobile tokenization hub 有权
公开(公告)号：US09978062B2
公开(公告)日：2018-05-22
申请号：US14279186
申请日：2014-05-15
申请人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
发明人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
IPC分类号： G06Q20/36 , G06Q20/38 , G06Q20/02 , G06Q20/32
CPC分类号： G06Q20/3821 , G06Q20/027 , G06Q20/3223 , G06Q20/385
摘要： Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.

10. 发明申请

US20170316401A1 SYSTEM AND METHOD FOR USING AN ACCOUNT SEQUENCE IDENTIFIER 审中-公开
公开(公告)号：US20170316401A1
公开(公告)日：2017-11-02
申请号：US15651908
申请日：2017-07-17
申请人： Prasanna Laxminarayanan , John Sheets , Glenn L. Powell
发明人： Prasanna Laxminarayanan , John Sheets , Glenn L. Powell
IPC分类号： G06Q20/32
CPC分类号： G06Q20/3227 , G06Q20/3278
摘要： Embodiments of the invention provide for facilitating a transaction using a communication device associated with a user. Certain embodiments allow for provisioning a communication device for use with an enhanced primary account identifier. The enhanced primary account identifier includes a primary account identifier (PAI) and a primary account identifier sequence number (PSI). The PSI is unique to the communication device and may be de-provisioned if the communication device is lost or stolen. A replacement communication device may be provisioned for use with a newly generated unique PSI without having to generate a new PAI.

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