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1. 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。

2. 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。

3. 发明申请

US20120216265A1 USING CLOCK DRIFT, CLOCK SLEW, AND NETWORK LATENCY TO ENHANCE MACHINE IDENTIFICATION 有权
标题翻译：使用时钟暂停，时钟和网络延迟来提高机器识别
公开(公告)号：US20120216265A1
公开(公告)日：2012-08-23
申请号：US13397070
申请日：2012-02-15
申请人： Rasta A. Mansour , Upendra Mardikar
发明人： Rasta A. Mansour , Upendra Mardikar
IPC分类号： G06F21/00
CPC分类号： H04L63/0876 , G06F21/34 , G06F21/44 , G06F21/725 , G06F2221/2111 , G06F2221/2129 , G06F2221/2151 , G06Q20/20 , G06Q20/3255 , G06Q20/3278 , G06Q20/40 , H04L43/08 , H04L43/0858 , H04L63/08 , H04L67/18
摘要： Methods and systems for authenticating a user device employ a database of global network latencies categorized and searchable by location and calendar date-time of day usage, providing network latency by geography and by time. The database is constructed using voluminous daily data collected from a world-wide clientele of users who sign in to a particular website. Accuracy of the latency data and clock skew machine identification is made practical and useful for authentications using a service provider-proprietary, stable reference clock, such as an atomic clock, so that internal clock jitter of a service provider performing authentications does not affect the network latency time and clock skew identification of user devices. Increased authentication confidence results from using the database for correcting network latency times and user device signatures generated from the clock skew identifications and for cross checking the authentication using comparisons of initial registration to current sign in data.
摘要翻译：用于认证用户设备的方法和系统使用通过位置和日历日期日期时间分类和可搜索的全球网络延迟的数据库，通过地理和时间提供网络延迟。数据库是使用从登录到特定网站的全球用户的大量日常数据构建的。延迟数据和时钟偏移机器识别的准确性对于使用服务提供商专有的稳定的参考时钟（例如原子钟）进行认证是实用和有用的，使得执行认证的服务提供商的内部时钟抖动不会影响网络用户设备的延迟时间和时钟偏差识别。通过使用数据库来校正网络延迟时间和从时钟偏差标识生成的用户设备签名以及通过初始注册与当前登录数据的比较来交叉检查认证，增加了认证信度。

4. 发明授权

US08150772B2 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：US08150772B2
公开(公告)日：2012-04-03
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： 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。

5. 发明申请

US20110078031A1 SECURE TRANSACTIONS USING A POINT OF SALE DEVICE 有权
标题翻译：使用销售设备的安全交易
公开(公告)号：US20110078031A1
公开(公告)日：2011-03-31
申请号：US12571290
申请日：2009-09-30
申请人： Upendra Mardikar , Rene Aeberhard
发明人： Upendra Mardikar , Rene Aeberhard
IPC分类号： G06Q20/00 , G06Q30/00 , H04L9/32 , G06Q40/00
CPC分类号： G06Q20/20 , G06F17/30879 , G06K19/0723 , G06Q20/10 , G06Q20/202 , G06Q20/204 , G06Q20/206 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , H04L9/3228 , H04L9/3247 , H04L2209/56 , H04L2209/805
摘要： Systems and methods are provided for secure transactions according to one or more embodiments. According to an embodiment, a method for providing secure transactions comprises initiating a transaction via a point of sale device having a one time password generator. The method also comprises generating at least one password by the point of sale device. The method further comprises associating the at least one password with account information. The method further comprises transmitting the password associated with the account information to a remote location. If the transmitted password matches predetermined associated information at the remote location, the method further comprises confirming the transaction.
摘要翻译：根据一个或多个实施例，为安全事务提供系统和方法。根据实施例，用于提供安全交易的方法包括经由具有一次密码生成器的销售点设备启动交易。该方法还包括通过销售点设备生成至少一个密码。该方法还包括将至少一个密码与帐户信息相关联。该方法还包括将与帐户信息相关联的密码发送到远程位置。如果发送的密码与远程位置处的预定关联信息匹配，则该方法还包括确认交易。

6. 发明申请

US20090307140A1 MOBILE DEVICE OVER-THE-AIR (OTA) REGISTRATION AND POINT-OF-SALE (POS) PAYMENT 审中-公开
标题翻译：移动设备（OTA）注册和销售点（POS）付款
公开(公告)号：US20090307140A1
公开(公告)日：2009-12-10
申请号：US12249145
申请日：2008-10-10
申请人： Upendra Mardikar
发明人： Upendra Mardikar
IPC分类号： G06Q20/00 , H04L9/32
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 , H04W4/80 , H04W12/06
摘要： A method for enabling secure registration of a mobile device OTA and for conducting a financial transaction at a point-of-sale (POS) has been described herein. In one embodiment, a method of mobile device registration over-the-air (OTA) comprises enabling a pre-loaded payment application having payment account information; enabling a certificate request; receiving payment credentials; associating the payment credentials with the payment account information; transmitting the payment account information and the certificate request OTA; and receiving a certificate of registration of the mobile device OTA.
摘要翻译：这里已经描述了一种用于实现移动设备OTA的安全注册和用于在销售点（POS）进行金融交易的方法。在一个实施例中，移动设备登记无线（OTA）的方法包括启用具有支付帐户信息的预加载支付应用; 启用证书请求; 接收付款凭证; 将支付凭证与付款帐户信息相关联; 发送支付账户信息和证书请求OTA; 并接收移动设备OTA的注册证书。

7. 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。

8. 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。

9. 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.

10. 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。

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