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61. 发明申请

US20100211507A1 OVER THE AIR UPDATE OF PAYMENT TRANSACTION DATA STORED IN SECURE MEMORY 审中-公开
标题翻译：在安全存储器中存储的付款交易数据的空气更新
公开(公告)号：US20100211507A1
公开(公告)日：2010-08-19
申请号：US12563421
申请日：2009-09-21
申请人： Christian Aabye , Hao Ngo , David William Wilson , Gustavo Mariath Zeiden , Chris Pitchford , Kiushan Pirzadeh
发明人： Christian Aabye , Hao Ngo , David William Wilson , Gustavo Mariath Zeiden , Chris Pitchford , Kiushan Pirzadeh
IPC分类号： G06Q20/00 , H04L9/14 , G06Q40/00 , G06Q30/00
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/204 , G06Q20/322 , G06Q20/382 , G06Q20/3829 , G06Q20/40
摘要： A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications. If encryption keys are used for the encryption and decryption processes, they may be distributed by a key distribution server or other suitable entity to a mobile gateway which participates in the data encryption and decryption operations.
摘要翻译：一种用于处理使用包括诸如集成电路芯片的非接触元件的移动设备进行的支付交易的系统，装置和方法。本发明能够通过存储在设备上的发行者来维护交易数据的更新，校正或同步。这通过使用无线（蜂窝）网络作为由发行者向移动设备提供的数据的数据通信信道来实现，并且在非接触元件当前不能与设备读取器或点通信的情况下是特别有利的的使用近场通信机制的销售终端。在移动设备和发卡行之间传送的数据可以被加密和解密，以提供额外的安全性并保护数据不被其他用户或应用程序访问。如果加密密钥用于加密和解密过程，则它们可以由密钥分发服务器或其他合适的实体分发到参与数据加密和解密操作的移动网关。

62. 发明申请

US20100198728A1 OVER THE AIR MANAGEMENT OF PAYMENT APPLICATION INSTALLED IN MOBILE DEVICE 有权
标题翻译：在移动设备上安装的付款应用程序的空中管理
公开(公告)号：US20100198728A1
公开(公告)日：2010-08-05
申请号：US12563540
申请日：2009-09-21
申请人： Christian Aabye , Olivier Brand , Mike Lindelsee , Joseph J. Mirizzi , Hao Ngo , Lauren White , David William Wilson
发明人： Christian Aabye , Olivier Brand , Mike Lindelsee , Joseph J. Mirizzi , Hao Ngo , Lauren White , David William Wilson
IPC分类号： G06F21/22 , G06Q40/00 , H04L9/32
CPC分类号： G06Q20/3227 , G06Q20/32 , G06Q20/325 , G06Q20/40 , G06Q20/401 , G06Q20/4014 , G06Q40/00 , H04L63/102
摘要： Systems, apparatus, and methods for managing a payment application installed on a mobile device, such as a mobile phone are provided. An Issuer of a payment device can remotely control the payment application by instructing a wireless network carrier or operator to transmit a message to the mobile phone, where the message contains an instruction to perform an operation related to the payment application. The Issuer can remotely reset a counter or a password associated with the payment application, lock or unlock a payment application, and set the access control data to a predetermined value, to prevent unauthorized use of the payment application in the situation in which the mobile phone is lost or stolen, or the Issuer desires to limit access to the payment application for other reasons, such as limiting its exposure to unauthorized uses of the payment device.
摘要翻译：提供了用于管理安装在诸如移动电话的移动设备上的支付应用的系统，装置和方法。支付设备的发行者可以通过指示无线网络运营商或运营商向移动电话发送消息来远程控制支付应用，其中消息包含执行与支付应用相关的操作的指令。发行人可以远程重置与支付应用相关联的计数器或密码，锁定或解锁支付应用，并将访问控制数据设置为预定值，以防止在移动电话的情况下未经授权使用支付应用丢失或被盗，或者发行人希望由于其他原因限制对付款申请的访问，例如限制其对付款设备的未经授权的使用。

63. 发明申请

US20070118483A1 DEVICE, SYSTEM AND METHOD FOR REDUCING AN INTERACTION TIME FOR A CONTACTLESS TRANSACTION 有权
标题翻译：用于减少接触交易的交互时间的装置，系统和方法
公开(公告)号：US20070118483A1
公开(公告)日：2007-05-24
申请号：US11536307
申请日：2006-09-28
申请人： Trudy Hill , Jagdeep Sahota , Christian Aabye , Kim Wagner , Anita Ochieano , Carole Oppenlander , William Chan , Craig Glendenning
发明人： Trudy Hill , Jagdeep Sahota , Christian Aabye , Kim Wagner , Anita Ochieano , Carole Oppenlander , William Chan , Craig Glendenning
IPC分类号： G06Q30/00 , G06Q99/00
CPC分类号： G06Q20/352 , G06K7/0008 , G06Q20/04 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/3825 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q20/409 , G06Q30/06 , G07F7/0826 , G07F7/088 , G07F7/1008 , G07F7/1016
摘要： A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card to authorizing the contactless transaction.
摘要翻译：一个方法。该方法包括在读取器处执行至少一个基于事务的风险管理过程，然后激励非接触式接口，发起与用于非接触式交易的卡的通信，接收与该卡相关联的信息，以及终止与卡的通信授权非接触式交易。

64. 发明申请

US20190074866A1 CONTACTLESS DATA EXCHANGE BETWEEN MOBILE DEVICES AND READERS INVOLVING VALUE INFORMATION NOT NECESSARY TO PERFORM A TRANSACTION 审中-公开
公开(公告)号：US20190074866A1
公开(公告)日：2019-03-07
申请号：US16130931
申请日：2018-09-13
申请人： Thomas Bellenger , Oleg Makhotin , Christian Aabye , Erick Wong , Sanjeev Sharma , Hao Ngo
发明人： Thomas Bellenger , Oleg Makhotin , Christian Aabye , Erick Wong , Sanjeev Sharma , Hao Ngo
IPC分类号： H04B5/00 , H04W4/80
摘要： Embodiments of the disclosure are directed to performing a transaction between a mobile device and an access device. Value information is provided to the access device by the mobile device. The value information is not necessary to complete the transaction.

65. 发明申请

US20180198820A1 RELIABLE TIMESTAMP CREDENTIAL 审中-公开
公开(公告)号：US20180198820A1
公开(公告)日：2018-07-12
申请号：US15914920
申请日：2018-03-07
申请人： Jing Jin , Christian Aabye
发明人： Jing Jin , Christian Aabye
IPC分类号： H04L29/06 , H04W12/08 , H04W12/06 , H04W76/27 , H04L12/26 , G06F9/4401
CPC分类号： H04L63/1466 , G06F9/4416 , G06F9/442 , G06F21/335 , G06F2221/2137 , H04L43/106 , H04L63/08 , H04L63/108 , H04L2463/121 , H04W12/06 , H04W12/08 , H04W76/27
摘要： A process for generating an access credential by a communication device may include determining whether a communication device successfully executed a predetermined shutdown sequence when the communication device last transitioned to an inactive state, determining whether the communication device has synchronized with an authorization network subsequent to transitioning back to an active state, and generating the access credential including a timestamp. The access credential may indicate whether the access credential has reliable timestamp information. The access credential can be provided to an access device associated with an authorization network to authenticate the communication device.

66. 发明申请

US20180130046A1 MUTUAL MOBILE AUTHENTICATION USING A KEY MANAGEMENT CENTER 审中-公开
公开(公告)号：US20180130046A1
公开(公告)日：2018-05-10
申请号：US15866270
申请日：2018-01-09
申请人： Christian Aabye , Sasikumar Kannappan
发明人： Christian Aabye , Sasikumar Kannappan
IPC分类号： G06Q20/32 , G06Q20/38 , G06Q20/28 , G06F21/44 , H04L29/06 , H04L9/32 , H04L9/08
CPC分类号： G06Q20/3227 , G06F21/445 , G06Q20/28 , G06Q20/3226 , G06Q20/3829 , H04L9/083 , H04L9/321 , H04L9/3271 , H04L63/06 , H04L63/08 , H04L2209/80
摘要： A system, method, and server computer configured to authenticate a consumer device. The consumer device is authenticated via a mobile gateway using challenge-response authentication. If the consumer device is successfully authenticated, a secure channel is established between the consumer device and a first entity. The secure channel allows for secure communication between the consumer device and the first entity.

67. 发明申请

US20170272448A1 ENHANCED DATA INTERFACE FOR CONTACTLESS COMMUNICATIONS 审中-公开
公开(公告)号：US20170272448A1
公开(公告)日：2017-09-21
申请号：US15616377
申请日：2017-06-07
申请人： Sanjeev Sharma , Oleg Makhotin , Christian Aabye
发明人： Sanjeev Sharma , Oleg Makhotin , Christian Aabye
IPC分类号： H04L29/06 , H04W12/12
CPC分类号： H04L63/102 , G06Q20/227 , G06Q20/32 , G06Q20/3227 , G06Q20/3278 , G06Q20/36 , H04L63/08 , H04L63/126 , H04W4/80 , H04W12/08 , H04W12/12
摘要： Embodiments of the invention are directed at an enhanced data interface (EDI) for contactless communications between a mobile application operating on a mobile device and an access device (e.g., contactless reader) that allows for enhanced verification between the mobile device and access device. One embodiment of the invention is directed to a method. The method comprises a mobile device receiving a request for available applets from an access device and providing a list of available applets including trusted applet identifiers and untrusted applet identifiers to the access device. The method further comprises receiving a selection of an untrusted applet identifier from the list and an entity identifier associated with the access device, validating that the access device is authorized to access credentials associated with the selected untrusted applet identifier using the entity identifier, and providing the credentials associated with the selected untrusted applet identifier to the access device.

68. 发明申请

US20170270528A1 LOCATION VERIFICATION DURING DYNAMIC DATA TRANSACTIONS 审中-公开
公开(公告)号：US20170270528A1
公开(公告)日：2017-09-21
申请号：US15074941
申请日：2016-03-18
申请人： Gyan Prakash , Ajit Gaddam , Glenn Powell , Taeho Kgil , Christian Aabye
发明人： Gyan Prakash , Ajit Gaddam , Glenn Powell , Taeho Kgil , Christian Aabye
IPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/38
CPC分类号： G06Q20/4016 , G06Q20/3224
摘要： Described herein is a platform and method for determining a confidence level associated with a transaction that utilizes dynamic data. In some embodiments, the confidence level is determined based on location data received in relation to the transaction. For example, some embodiments are directed to storing first location information collected from a mobile device provided in a request for the dynamic data, receiving second location information related to a transaction conducted using the dynamic data, and comparing the two with respect to the amount of time that has elapsed between collection of each to determine a confidence level associated with a likelihood that the transaction is authentic.

69. 发明申请

US20170221054A1 SYSTEMS AND METHODS FOR CODE DISPLAY AND USE 审中-公开
公开(公告)号：US20170221054A1
公开(公告)日：2017-08-03
申请号：US15421891
申请日：2017-02-01
申请人： Christian Flurscheim , Glenn Powell , Christian Aabye , Jalpesh Chitalia , Erick Wong
发明人： Christian Flurscheim , Glenn Powell , Christian Aabye , Jalpesh Chitalia , Erick Wong
IPC分类号： G06Q20/38 , G06K7/14 , G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/385 , G06K7/1417 , G06Q20/3276 , G06Q20/4018
摘要： Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.

70. 发明申请

US20160103675A1 METHODS AND SYSTEMS FOR PARTIAL PERSONALIZATION DURING MOBILE APPLICATION UPDATE 有权
标题翻译：移动应用程序更新期间部分个性化的方法和系统
公开(公告)号：US20160103675A1
公开(公告)日：2016-04-14
申请号：US14882222
申请日：2015-10-13
申请人： Christian Aabye , Kiushan Pirzadeh , Glenn Powell , Igor Karpenko
发明人： Christian Aabye , Kiushan Pirzadeh , Glenn Powell , Igor Karpenko
IPC分类号： G06F9/44 , G06F9/445 , H04L29/08
CPC分类号： G06F8/658 , G06F8/65 , G06F8/71 , G06F9/4451 , H04L67/306 , H04L67/34 , H04W4/50 , H04W12/04 , H04W12/06 , H04W12/10
摘要： Embodiments of the present invention are directed at methods and systems for providing a partial personalization process that allows for more efficient and effective personalization of a mobile application on a communication device after updating the mobile application. For example, personalization profiles associated with multiple versions of the mobile application may be stored at an application update provisioning system and the application update provisioning system may determine the appropriate partial provisioning information to update the mobile application for each migration notification. Accordingly, a tailored partial personalization script including only that personalization information that is to be updated for the updated version of the mobile application may be generated and installed to enable new functionality and/or update the information contained within an updated mobile application, without requiring re-personalization of all personalized information into the updated mobile application.
摘要翻译：本发明的实施例涉及用于提供部分个性化过程的方法和系统，其允许在更新移动应用之后在通信设备上更有效且有效地个性化移动应用。例如，与移动应用的多个版本相关联的个性化简档可以存储在应用程序更新提供系统中，并且应用程序更新提供系统可以确定适当的部分供应信息，以便为每个迁移通知更新移动应用程序。因此，可以生成并安装定制的部分个性化脚本，其仅包括要为移动应用的更新版本更新的个性化信息，以实现新功能和/或更新包含在更新的移动应用中的信息，而不需要re 将所有个性化信息的个性化进入更新的移动应用程序。

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