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1. 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.

2. 发明申请

US20150213560A1 RECORDATION OF ELECTRONIC PAYMENT TRANSACTION INFORMATION 审中-公开
标题翻译：电子支付交易信息记录
公开(公告)号：US20150213560A1
公开(公告)日：2015-07-30
申请号：US14609343
申请日：2015-01-29
申请人： Christian Aabye , Hao Ngo , David William Wilson , Guido Mangiagalli
发明人： Christian Aabye , Hao Ngo , David William Wilson , Guido Mangiagalli
IPC分类号： G06Q40/00 , G06Q20/20
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/322 , G06Q20/3224 , G06Q20/3278 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q40/12
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. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.
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。允许帐户持有人生成交易相关数据，并将该数据附加到交易记录或交易标识符。附加的数据和交易记录或标识符可以存储在移动支付设备中和/或提供给发行者。如果提供给发行人，则由账户持有人生成的交易相关数据可用于补充帐户对帐单。帐户持有人生成的附加信息可用于协助账户持有人确定交易是否有效，通过提供有助于账户持有人回收交易的位置或其他方面的信息。

3. 发明授权

US09092769B2 Trusted internal interface 有权
标题翻译：可信内部接口
公开(公告)号：US09092769B2
公开(公告)日：2015-07-28
申请号：US13658935
申请日：2012-10-24
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： G06Q20/10 , G06Q20/30 , G06Q20/32 , G06Q20/34 , G06Q30/06 , G07F7/10
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。

4. 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。

5. 发明申请

US20120217201A1 METHOD FOR ENHANCING BIOLOGICAL WATER TREATMENT 审中-公开
标题翻译：增强生物水处理方法
公开(公告)号：US20120217201A1
公开(公告)日：2012-08-30
申请号：US13500568
申请日：2010-10-06
申请人： Huu Hao Ngo , Wenshan Guo
发明人： Huu Hao Ngo , Wenshan Guo
IPC分类号： C02F9/14 , C12N1/16 , C12N1/00 , C02F1/56
CPC分类号： C02F3/1268 , C02F1/52 , C02F1/5263 , C02F1/56 , C02F2305/06 , Y02W10/15
摘要： A mixture for treating water in a biological water treatment process is provided comprising an organic-based flocculant, a micronutrient; and a polymer. The flocculant, the micronutrient and the polymer are mixed in a predetermined ratio to enhance said biological water treatment. The mixture is particularly suited to enhancing flocculation of particles, reducing fouling on a surface of a membrane in a membrane bioreactor, improving uptake of phosphorous and/or nitrogen by a biomass in a biological water treatment system, improving bioactivity of a biomass and/or floc in a biological water treatment system and improving flux in a membrane bioreactor.
摘要翻译：提供一种用于在生物水处理方法中处理水的混合物，其包含有机基絮凝剂，微量营养物; 和聚合物。将絮凝剂，微量营养素和聚合物以预定比例混合以增强所述生物水处理。该混合物特别适于增强颗粒的絮凝，减少膜生物反应器中的膜表面的结垢，改善生物水处理系统中的生物质对磷和/或氮的吸收，改善生物质的生物活性和/或絮凝在生物水处理系统中并改善膜生物反应器中的通量。

6. 发明申请

US20120022973A1 TRUSTED INTERNAL INTERFACE 有权
标题翻译： TRUSTED内部界面
公开(公告)号：US20120022973A1
公开(公告)日：2012-01-26
申请号：US13149553
申请日：2011-05-31
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makerenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makerenko , Hao Ngo , Christian Aabye , William Alexander Thaw
IPC分类号： G06Q40/00
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。

7. 发明申请

US20190095904A1 CONTACTLESS ENABLEMENT AND DISABLEMENT 审中-公开
公开(公告)号：US20190095904A1
公开(公告)日：2019-03-28
申请号：US16205699
申请日：2018-11-30
申请人： David William Wilson , Omar Rifaat , Hao Ngo
发明人： David William Wilson , Omar Rifaat , Hao Ngo
IPC分类号： G06Q20/34 , H04B5/00 , G06K19/073 , H04M1/725 , G06Q20/20 , G07F7/10 , G06Q30/06 , G06Q40/02
摘要： Devices, systems, and methods for controlling a contactless interface on a dual interface portable device are provided. The methods allow for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by an issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.

8. 发明申请

US20150178724A1 LIMITED-USE KEYS AND CRYPTOGRAMS 审中-公开
标题翻译：有限公司使用科学与创意
公开(公告)号：US20150178724A1
公开(公告)日：2015-06-25
申请号：US14577678
申请日：2014-12-19
申请人： Hao Ngo , Christian Aabye , John Sheets , Oleg Makhotin
发明人： Hao Ngo , Christian Aabye , John Sheets , Oleg Makhotin
IPC分类号： G06Q20/38
摘要： Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include encrypting account information with a first encryption key to generate a second encryption key, and encrypting key index information using the second key to generate a limited-use key (LUK). The key index information may include a key index having information pertaining to generation of the LUK. The LUK and the key index can be provided to the communication device to facilitate generation of a transaction cryptogram for a transaction conducted using the communication device, and the transaction can be authorized based on the transaction cryptogram generated from the LUK.
摘要翻译：用于在使用通信设备进行交易时增强通信设备的安全性的技术可以包括利用第一加密密钥加密帐户信息以生成第二加密密钥，并且使用第二密钥加密密钥索引信息以生成有限使用密钥（LUK）。密钥索引信息可以包括具有与生成LUK有关的信息的密钥索引。可以将LUK和密钥索引提供给通信设备以便于生成使用通信设备进行的事务的事务密码，并且可以基于从LUK生成的事务密码来授权事务。

9. 发明申请

US20130060706A1 OVER THE AIR UPDATE OF PAYMENT TRANSACTION DATA STORED IN SECURE MEMORY 审中-公开
公开(公告)号：US20130060706A1
公开(公告)日：2013-03-07
申请号：US13662843
申请日：2012-10-29
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： G06Q20/38 , G06F21/24
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.

10. 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。

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