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1. 发明授权

US09218601B2 Secure in-line payments for rich internet applications 有权
标题翻译：为互联网应用提供安全的在线支付
公开(公告)号：US09218601B2
公开(公告)日：2015-12-22
申请号：US13293004
申请日：2011-11-09
申请人： Prashant Jamkhedkar , Upendra Mardikar , Mark Wenger , Mehul Asher , Victor Chau
发明人： Prashant Jamkhedkar , Upendra Mardikar , Mark Wenger , Mehul Asher , Victor Chau
IPC分类号： G06Q30/00 , G06Q30/06 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/36 , G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/401 , G06F21/52 , G06Q20/206 , G06Q20/3223 , G06Q20/356 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q30/00 , G06Q30/0641
摘要： Methods and systems are provided for making secure financial transactions, such as purchase payments, using rich Internet applications (RIA) running an RIA runtime (also referred to as a platform or framework) on the user's smart phone or other mobile device. Embodiments differ from the usual way of re-directing a user from a third-party application and authenticating the user by providing secure in-line payments from a rich Internet application running on an RIA runtime. A system includes: a mobile device executing a rich Internet application running on an RIA runtime; a payment library communicating with the RIA runtime and a service provider, for which the payment library communicates with the service provider to authenticate the rich Internet application; and in response to authentication by the service provider, facilitates secure financial transactions via the rich Internet application.
摘要翻译：提供方法和系统用于在用户的智能电话或其他移动设备上使用运行RIA运行时（也称为平台或框架）的富互联网应用（RIA）来进行安全的金融交易，例如购买支付。实施例与从第三方应用程序重新定向用户的通常方式不同，并且通过从在RIA运行时运行的富互联网应用程序提供安全的在线支付来认证用户。系统包括：执行在RIA运行时运行的富互联网应用的移动设备; 与RIA运行时通信的支付库和服务提供商，支付库与服务提供商进行通信以验证富互联网应用; 并且响应于服务提供商的认证，通过富互联网应用促进安全的金融交易。

2. 发明申请

US20120116925A1 SECURE IN-LINE PAYMENTS FOR RICH INTERNET APPLICATIONS 有权
标题翻译：安全的互联网应用的在线支付
公开(公告)号：US20120116925A1
公开(公告)日：2012-05-10
申请号：US13293004
申请日：2011-11-09
申请人： Prashant Jamkhedkar , Upendra Mardikar , Mark Wenger , Mehul Asher , Victor Chau
发明人： Prashant Jamkhedkar , Upendra Mardikar , Mark Wenger , Mehul Asher , Victor Chau
IPC分类号： G06Q30/06 , G06F21/00
CPC分类号： G06Q20/401 , G06F21/52 , G06Q20/206 , G06Q20/3223 , G06Q20/356 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q30/00 , G06Q30/0641
摘要： Methods and systems are provided for making secure financial transactions, such as purchase payments, using rich Internet applications (RIA) running an RIA runtime (also referred to as a platform or framework) on the user's smart phone or other mobile device. Embodiments differ from the usual way of re-directing a user from a third-party application and authenticating the user by providing secure in-line payments from a rich Internet application running on an RIA runtime. A system includes: a mobile device executing a rich Internet application running on an RIA runtime; a payment library communicating with the RIA runtime and a service provider, for which the payment library communicates with the service provider to authenticate the rich Internet application; and in response to authentication by the service provider, facilitates secure financial transactions via the rich Internet application.
摘要翻译：提供方法和系统用于在用户的智能电话或其他移动设备上使用运行RIA运行时（也称为平台或框架）的富互联网应用（RIA）来进行安全的金融交易，例如购买支付。实施例与从第三方应用程序重新定向用户的通常方式不同，并且通过从在RIA运行时运行的富互联网应用程序提供安全的在线支付来认证用户。系统包括：执行在RIA运行时运行的富互联网应用的移动设备; 与RIA运行时通信的支付库和服务提供商，支付库与服务提供商进行通信以验证富互联网应用; 并且响应于服务提供商的认证，通过富互联网应用促进安全的金融交易。

3. 发明申请

US20150372811A1 EFFICIENT METHODS FOR AUTHENTICATED COMMUNICATION 审中-公开
标题翻译：有效的通信方法
公开(公告)号：US20150372811A1
公开(公告)日：2015-12-24
申请号：US14743874
申请日：2015-06-18
申请人： Eric Le Saint , Upendra Mardikar , Dominique Fedronic
发明人： Eric Le Saint , Upendra Mardikar , Dominique Fedronic
IPC分类号： H04L9/08 , H04L9/32 , G06Q20/38 , H04L29/06
摘要： Embodiments of the invention relate to efficient methods for authenticated communication. In one embodiment, a first computing device can generate an ephemeral key pair comprising an ephemeral public key and an ephemeral private key. The first computing device can generate a first shared secret using the ephemeral private key and a static second device public key. The first computing device can encrypt request data using the first shared secret to obtain encrypted request data. The first computing device can send a request message including the encrypted request data and the ephemeral public key to a server computer. Upon receiving a response message from the server computer, the first computing device can determine a second shared secret using the ephemeral private key and the blinded static second device public key. The first computing device can then decrypt the encrypted response data from the response message to obtain response data.
摘要翻译：本发明的实施例涉及用于认证通信的有效方法。在一个实施例中，第一计算设备可以生成包括短暂公钥和临时私钥的短暂密钥对。第一计算设备可以使用临时私钥和静态第二设备公钥来生成第一共享秘密。第一计算设备可以使用第一共享秘密加密请求数据以获得加密的请求数据。第一计算设备可以向服务器计算机发送包括加密请求数据和临时公钥的请求消息。在从服务器计算机接收到响应消息时，第一计算设备可以使用临时私钥和盲静态第二设备公钥来确定第二共享秘密。然后，第一计算设备可以从响应消息中解密加密的响应数据，以获得响应数据。

4. 发明申请

US20130179956A1 Mobile Anti-Phishing 有权
标题翻译：手机反网络钓鱼
公开(公告)号：US20130179956A1
公开(公告)日：2013-07-11
申请号：US13782919
申请日：2013-03-01
申请人： Upendra Mardikar , Kent Griffin , Elizabeth Alison Miller , Amol Patel
发明人： Upendra Mardikar , Kent Griffin , Elizabeth Alison Miller , Amol Patel
IPC分类号： H04W12/06
CPC分类号： H04L63/0846 , H04L9/3228 , H04L63/083 , H04L63/0838 , H04L63/0876 , H04L63/1466 , H04L63/1483 , H04L2209/80 , H04W12/06 , H04W12/12
摘要： A method for inhibiting phishing can include sending information from a mobile network device to a website server, generating a one time password at the mobile network device from the information, generating a one time password at the website server from the information, sending the one time password generated at the website server to the mobile network device when the mobile network device subsequently accesses the website, and comparing the one time password generated at the website server to the one time password generated at the mobile network device. In this manner, the website can be authenticated such that the occurrence of phishing is substantially mitigated.
摘要翻译：一种用于禁止网络钓鱼的方法可以包括从移动网络设备向网站服务器发送信息，在该移动网络设备处从该信息生成一次密码，从该信息在该网站服务器处产生一次密码，一次发送当移动网络设备随后访问网站时，在网站服务器处生成的密码到移动网络设备，并且将在网站服务器处生成的一次密码与在移动网络设备处生成的一次密码进行比较。以这种方式，可以认证网站，从而大大减轻网络钓鱼的发生。

5. 发明授权

US08224702B2 Systems and methods for facilitating financial transactions over a network 有权
公开(公告)号：US08224702B2
公开(公告)日：2012-07-17
申请号：US11966743
申请日：2007-12-28
申请人： Matthew Mengerink , Upendra Mardikar , David Gausebeck
发明人： Matthew Mengerink , Upendra Mardikar , David Gausebeck
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0635 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/40 , G06Q30/04 , G06Q30/0601 , G06Q30/0603 , G06Q30/0613 , G06Q30/0633 , G06Q40/00
摘要： Systems and methods for facilitating financial transactions over a network include a merchant device, a client device and a payment processing device. The merchant device is adapted to allow a merchant to provide items for purchase via the network. The client device is adapted to allow a user to access the merchant device via the network and view the items for purchase. The client device is adapted to provide a payment mechanism to the user. The user generates a purchase request for an item by selecting the one item, dragging the item to the payment mechanism, and dropping the item over the payment mechanism. The payment processing device is adapted to receive the purchase request from the client device via the network and authorize the user to purchase the item from the merchant based on information passed with the purchase request.

6. 发明申请

US20090307139A1 BIOMETRIC AUTHENTICATION OF MOBILE FINANCIAL TRANSACTIONS BY TRUSTED SERVICE MANAGERS 有权
标题翻译：信托服务经理对移动金融交易的生物认证
公开(公告)号：US20090307139A1
公开(公告)日：2009-12-10
申请号：US12414323
申请日：2009-03-30
申请人： Upendra Mardikar , Eric Duprat
发明人： Upendra Mardikar , Eric Duprat
IPC分类号： H04L9/32 , G06K9/00 , H04M1/00 , G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/3227 , G06Q20/1085 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/3223 , G06Q20/3278 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/3829 , G06Q20/40 , G06Q20/4012 , G06Q20/40145 , G06Q40/00 , G07C9/00087 , G07F7/0826 , H04L9/3231 , H04L63/0823 , H04L63/0861 , H04L2209/56 , H04L2209/80 , H04W12/06
摘要： A method for authenticating a financial transaction at a point of sale (POS) includes storing an application program in a first secure element of a mobile phone. The application is configured to generate instruction codes to effect the financial transaction upon verification of a user's identity. The user's credentials are stored in a second SE of the phone, which is operable to verify the user's identity from a biometric trait of the user input to the phone and to generate data authenticating the financial transaction in response to the verification of the user's identity. At the POS, the user invokes the application and then inputs a biometric trait to the phone. The second SE verifies the user's identity, and upon verification, generates data authenticating the transaction. The financial transaction data, including the instruction codes and the authenticating data, are then transmitted from the phone to the POS.
摘要翻译：一种用于在销售点（POS）上验证金融交易的方法包括将应用程序存储在移动电话的第一安全元件中。该应用被配置为产生指令代码以在验证用户的身份后实现金融交易。用户的凭证被存储在电话的第二SE中，其可操作以从用户输入到电话的生物特征特征来验证用户的身份，并响应于用户身份的验证来生成认证金融交易的数据。在POS中，用户调用应用程序，然后将生物识别特征输入到手机。第二个SE验证用户的身份，并在验证后生成认证交易的数据。包括指令代码和认证数据在内的金融交易数据随后从电话发送到POS。

7. 发明申请

US20090305673A1 SECURE SHORT MESSAGE SERVICE (SMS) COMMUNICATIONS 有权
标题翻译：安全短信（SMS）通信
公开(公告)号：US20090305673A1
公开(公告)日：2009-12-10
申请号：US12341987
申请日：2008-12-22
申请人： Upendra Mardikar
发明人： Upendra Mardikar
IPC分类号： H04W12/06 , H04W4/14
CPC分类号： H04W12/06 , H04L9/0643 , H04L9/14 , H04L9/302 , H04L9/304 , H04L9/3242 , H04L9/3249 , H04L9/3263 , H04L51/38 , H04L63/0464 , H04L63/06 , H04L63/083 , H04L63/0853 , H04L63/0861 , H04L63/0876 , H04L2463/082 , H04W4/14 , H04W12/02 , H04W12/04
摘要： Embodiments of the present disclosure provide systems and methods for secure Short Message Service (SMS) communications. According to an embodiment, a method of providing secure Short Message Service (SMS) communications comprises requesting that SMS data to be sent from a client device to a remote location be encrypted. The method also comprises encrypting the SMS data by processing the SMS data with a Message Authentication Code (MAC) and a timestamp and/or counter along with second factor authentication information. The method further comprises sending the encrypted SMS data to the remote location by a secure SMS application via a regular SMS channel of the client device.
摘要翻译：本公开的实施例提供了用于安全短消息服务（SMS）通信的系统和方法。根据实施例，提供安全短消息服务（SMS）通信的方法包括请求将从客户端设备发送到远程位置的SMS数据被加密。该方法还包括通过利用消息认证码（MAC）和时间戳和/或计数器与第二因素认证信息一起处理SMS数据来加密SMS数据。该方法还包括经由客户端设备的常规SMS信道通过安全SMS应用将加密的SMS数据发送到远程位置。

8. 发明申请

US20050080761A1 Data path media security system and method in a storage area network 审中-公开
标题翻译：存储区域网络中的数据路径介质安全系统和方法
公开(公告)号：US20050080761A1
公开(公告)日：2005-04-14
申请号：US10686550
申请日：2003-10-14
申请人： Kumar Sundararajan , Upendra Mardikar , Richard Moeller , Soummya Mallick , Rainer Enders , Sanjay Sawhney
发明人： Kumar Sundararajan , Upendra Mardikar , Richard Moeller , Soummya Mallick , Rainer Enders , Sanjay Sawhney
IPC分类号： G06F7/00 , G06F21/00 , H04L29/06 , H04L29/08
CPC分类号： H04L63/0428 , G06F21/85 , H04L67/1097
摘要： An apparatus for security applications, e.g., encryption. The apparatus has an interface (e.g., MAC) coupled to a fiber channel. The interface is adapted to receive a frame from the fiber channel. The apparatus also has a classifier coupled to the interface, which is adapted to determine an information type associated with the frame. The type is selected from at least an initiator, data, or terminator. The classifier is adapted to determine header information associated with the frame. A content addressable memory is coupled to the classifier.
摘要翻译：一种用于安全应用的装置，例如加密。该装置具有耦合到光纤信道的接口（例如MAC）。该接口适于从光纤通道接收帧。该装置还具有耦合到接口的分类器，其适于确定与该帧相关联的信息类型。该类型至少从起始器，数据或终止器中选择。分类器适于确定与帧相关联的头信息。内容可寻址存储器耦合到分类器。

9. 发明授权

US08799159B2 Systems and methods for facilitating financial transactions over a network 有权
标题翻译：通过网络促进金融交易的系统和方法
公开(公告)号：US08799159B2
公开(公告)日：2014-08-05
申请号：US13953391
申请日：2013-07-29
申请人： Matthew Mengerink , Upendra Mardikar , David Gausebeck
发明人： Matthew Mengerink , Upendra Mardikar , David Gausebeck
IPC分类号： G06Q40/00 , G06Q20/10
CPC分类号： G06Q30/0635 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/40 , G06Q30/04 , G06Q30/0601 , G06Q30/0603 , G06Q30/0613 , G06Q30/0633 , G06Q40/00
摘要： Systems and methods for facilitating financial transactions over a network include a merchant device, a client device and a payment processing device. The merchant device is adapted to allow a merchant to provide items for purchase via the network. The client device is adapted to allow a user to access the merchant device via the network and view the items for purchase. The client device is adapted to provide a payment mechanism to the user. The user generates a purchase request for an item by selecting the one item, dragging the item to the payment mechanism, and dropping the item over the payment mechanism. The payment processing device is adapted to receive the purchase request from the client device via the network and authorize the user to purchase the item from the merchant based on information passed with the purchase request.
摘要翻译：用于促进通过网络的金融交易的系统和方法包括商家设备，客户端设备和支付处理设备。商户设备适于允许商家通过网络提供购买物品。客户端设备适于允许用户经由网络访问商家设备并查看要购买的项目。客户端设备适于向用户提供支付机制。用户通过选择一个项目，将项目拖动到支付机制，并通过支付机制丢弃物品来生成对物品的购买请求。支付处理设备适于经由网络从客户端设备接收购买请求，并根据购买请求传递的信息授权用户从商家购买该商品。

10. 发明授权

US08554689B2 Biometric authentication of mobile financial transactions by trusted service managers 有权
标题翻译：受信任的业务经理对移动金融交易的生物认证
公开(公告)号：US08554689B2
公开(公告)日：2013-10-08
申请号：US13418196
申请日：2012-03-12
申请人： Upendra Mardikar , Eric Duprat
发明人： Upendra Mardikar , Eric Duprat
IPC分类号： G06Q20/00
CPC分类号： G06Q20/3227 , G06Q20/1085 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/3223 , G06Q20/3278 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/3829 , G06Q20/40 , G06Q20/4012 , G06Q20/40145 , G06Q40/00 , G07C9/00087 , G07F7/0826 , H04L9/3231 , H04L63/0823 , H04L63/0861 , H04L2209/56 , H04L2209/80 , H04W12/06
摘要： A method for authenticating a financial transaction at a point of sale (POS) includes storing an application program in a first secure element of a mobile phone. The application is configured to generate instruction codes to effect the financial transaction upon verification of a user's identity. The user's credentials are stored in a second SE of the phone, which is operable to verify the user's identity from a biometric trait of the user input to the phone and to generate data authenticating the financial transaction in response to the verification of the user's identity. At the POS, the user invokes the application and then inputs a biometric trait to the phone. The second SE verifies the user's identity, and upon verification, generates data authenticating the transaction. The financial transaction data, including the instruction codes and the authenticating data, are then transmitted from the phone to the POS.
摘要翻译：一种用于在销售点（POS）上验证金融交易的方法包括将应用程序存储在移动电话的第一安全元件中。该应用被配置为产生指令代码以在验证用户的身份后实现金融交易。用户的凭证被存储在电话的第二SE中，其可操作以从用户输入到电话的生物特征特征来验证用户的身份，并响应于用户身份的验证来生成认证金融交易的数据。在POS中，用户调用应用程序，然后将生物识别特征输入到手机。第二个SE验证用户的身份，并在验证后生成认证交易的数据。包括指令代码和认证数据在内的金融交易数据随后从电话发送到POS。

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