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1. 发明申请

US20180232722A1 CLOUD-BASED TRANSACTIONS METHODS AND SYSTEMS 审中-公开
公开(公告)号：US20180232722A1
公开(公告)日：2018-08-16
申请号：US15949790
申请日：2018-04-10
申请人： Erick Wong , Christian Flurscheim , Oleg Makhotin , Eduardo Lopez , Sanjeev Sharma , Christopher Jones , Abhishek Guglani , Jarkko Oskari Sevanto , Bharatkumar Patel , Tai Lung Burnnet Or , Christian Aabye , Hao Ngo , John F. Sheets
发明人： Erick Wong , Christian Flurscheim , Oleg Makhotin , Eduardo Lopez , Sanjeev Sharma , Christopher Jones , Abhishek Guglani , Jarkko Oskari Sevanto , Bharatkumar Patel , Tai Lung Burnnet Or , Christian Aabye , Hao Ngo , John F. Sheets
IPC分类号： G06Q20/32
摘要： Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include receiving a cryptogram generation key replenishment request that includes transaction log information derived from transaction data stored in a transaction log on a communication device, verifying that the transaction log information in the replenishment request is consistent with the previously received transaction information, and providing a new cryptogram generation key to the communication device in response to verifying the transaction log information in the replenishment request.

2. 发明申请

US20150180836A1 CLOUD-BASED TRANSACTIONS METHODS AND SYSTEMS 有权
标题翻译：基于云的交易方法和系统
公开(公告)号：US20150180836A1
公开(公告)日：2015-06-25
申请号：US14577837
申请日：2014-12-19
申请人： Erick Wong , Christian Flurscheim , Oleg Makhotin , Eduardo Lopez , Sanjeev Sharma , Christopher Jones , Abhishek Guglani , Jarkko Oskari Sevanto , Bharatkumar Patel , Tai Lung Burnnet Or
发明人： Erick Wong , Christian Flurscheim , Oleg Makhotin , Eduardo Lopez , Sanjeev Sharma , Christopher Jones , Abhishek Guglani , Jarkko Oskari Sevanto , Bharatkumar Patel , Tai Lung Burnnet Or
IPC分类号： H04L29/06 , H04L9/08
CPC分类号： G06Q20/327 , G06Q20/32 , G06Q20/322 , G06Q20/3829 , G06Q20/385 , G06Q2220/00 , H04L9/0869 , H04L63/0428 , H04L2209/24
摘要： Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and sending a token instead of a real account identifier and the transaction cryptogram to an access device to conduct the transaction. The LUK may be associated with a set of one or more limited-use thresholds that limits usage of the LUK, and the transaction can be authorized based on at least whether usage of the LUK has exceeded the set of one or more limited-use thresholds.
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使用有限使用密钥（LUK）来生成交易密码，并且将令牌而不是真实帐户标识符和交易密码发送到访问设备进行交易。 LUK可以与限制LUK的使用的一个或多个有限使用阈值的集合相关联，并且可以至少基于LUK的使用是否已经超过一个或多个有限使用阈值的集合来授权交易。

3. 发明申请

US20160217452A1 CLOUD-BASED TRANSACTIONS METHODS AND SYSTEMS 审中-公开
标题翻译：基于云的交易方法和系统
公开(公告)号：US20160217452A1
公开(公告)日：2016-07-28
申请号：US15091253
申请日：2016-04-05
申请人： Erick Wong , Christian Flurscheim , Oleg Makhotin , Eduardo Lopez , Sanjeev Sharma , Christopher Jones , Abhishek Guglani , Jarkko Oskari Sevanto , Bharatkumar Patel , Tai Lung Burnnet Or
发明人： Erick Wong , Christian Flurscheim , Oleg Makhotin , Eduardo Lopez , Sanjeev Sharma , Christopher Jones , Abhishek Guglani , Jarkko Oskari Sevanto , Bharatkumar Patel , Tai Lung Burnnet Or
IPC分类号： G06Q20/32 , G06Q20/38
CPC分类号： G06Q20/327 , G06Q20/32 , G06Q20/322 , G06Q20/3829 , G06Q20/385 , G06Q2220/00 , H04L9/0869 , H04L63/0428 , H04L2209/24
摘要： Systems and methods provide for communication of transaction data that is formatted according to a transaction type that is support by an access device. First transaction data may be formatted according to a first type of transaction supported by a first access device and second transaction data may be formatted according to a second type of transaction supported by a second access device. The first transaction data may be transmitted over a first wireless communication link to the first access device and the second transaction data may be transmitted to the second access over a second wireless communication link.
摘要翻译：系统和方法提供根据由访问设备支持的事务类型格式化的事务数据的通信。第一交易数据可以根据由第一访问设备支持的第一类型的交易进行格式化，并且可以根据由第二访问设备支持的第二类型的交易来格式化第二交易数据。第一交易数据可以通过第一无线通信链路发送到第一接入设备，并且第二交易数据可以通过第二无线通信链路发送到第二接入。

4. 发明申请

US20130151400A1 INTEGRATED MOBILE TRUSTED SERVICE MANAGER 审中-公开
标题翻译：综合移动信托服务经理
公开(公告)号：US20130151400A1
公开(公告)日：2013-06-13
申请号：US13713938
申请日：2012-12-13
申请人： Oleg Makhotin , Eduardo Lopez , Erick Wong
发明人： Oleg Makhotin , Eduardo Lopez , Erick Wong
IPC分类号： G06Q20/32
CPC分类号： G06Q20/3227 , G06Q20/02 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/36 , H04L69/08 , H04W4/50 , H04W4/80 , H04W12/0023 , H04W12/08
摘要： Embodiments of the present invention are directed to a centralized trusted service manager system in the form of a trusted service manager interconnectivity service hub, which facilitates and provides communications between entities involved I mobile contactless payment systems. One embodiment is directed to a method for processing a message related to a mobile payment application on a secure element of a mobile communication device through an interconnectivity services hub including receiving the message from a first entity in a first protocol and determining a trusted service manager associated with the secure element from among a plurality of trusted service managers using a routing table comprising routing information. Then the method continues by determining a second protocol corresponding to the trusted service manager associated with the secure element, translating the message into the second protocol, and sending the translated message to the trusted service manager which communicates with the secure element.
摘要翻译：本发明的实施例涉及以可信服务管理器互连服务集线器的形式的集中式可信服务管理器系统，其有助于提供涉及的实体I移动非接触式支付系统之间的通信。一个实施例涉及一种用于通过互连服务集群处理与移动通信设备的安全元件上的移动支付应用有关的消息的方法，所述互连服务集群包括：在第一协议中从第一实体接收消息，并确定相关联的可信服务管理器使用包括路由信息的路由表从多个可信服务管理器中的安全元件。然后，该方法通过确定对应于与该安全元件相关联的可信服务管理器的第二协议，将该消息转换为该第二协议，并将该翻译消息发送到与该安全元件进行通信的可信服务管理器来继续。

5. 发明申请

US20180268405A1 REPLACING TOKEN ON A MULTI-TOKEN USER DEVICE 审中-公开
公开(公告)号：US20180268405A1
公开(公告)日：2018-09-20
申请号：US15462658
申请日：2017-03-17
申请人： Eduardo Lopez
发明人： Eduardo Lopez
IPC分类号： G06Q20/40 , G06Q30/00
摘要： Embodiments of the invention are directed to methods, systems, and devices for replacing a token on a user device, such as a transaction card. The transaction card includes tokens representing an actual account identifier which is not visible on the transaction card. The transaction card may store a first token on a and include a digital display that displays a second token. When the first token or the second token is compromised, the compromised token is replaced without replacing the transaction card. When the second token is compromised, the compromised token is replaced with a new replacement second token using an electronic device. The replacement second token replaces the old second token on the digital display. After the second token is compromised and before the replacement second token is provisioned on the transaction card, the transaction card may still be used for transactions using other tokens provisioned on the card.

6. 发明申请

US20160057619A1 EMBEDDING CLOUD-BASED FUNCTIONALITIES IN A COMMUNICATION DEVICE 有权
标题翻译：在通信设备中嵌入基于云的功能
公开(公告)号：US20160057619A1
公开(公告)日：2016-02-25
申请号：US14834028
申请日：2015-08-24
申请人： Eduardo Lopez
发明人： Eduardo Lopez
IPC分类号： H04W12/04 , H04W4/00
CPC分类号： G06Q20/3227 , G06F9/455 , G06F21/44 , G06Q20/32 , G06Q20/322 , G06Q20/327 , G06Q20/3278 , G06Q20/382 , G06Q20/3825 , G06Q20/3829 , G06Q20/385 , H04L63/068 , H04W4/80 , H04W12/04 , H04W88/02
摘要： Techniques for enhancing the security of a communication device may include providing an application agent that executes in a trusted execution environment of the communication device, and a transaction application that executes in a normal application execution environment of the communication device. The application agent may receive, from the application, a limited-use key (LUK) generated by a remote computer, and store the LUK in a secure storage of the trusted execution environment. When the application agent receives a request to conduct a transaction from the application executing in the normal execution environment, the application agent may generate a transaction cryptogram using the LUK, and provides the transaction cryptogram to an access device.
摘要翻译：用于增强通信设备的安全性的技术可以包括提供在通信设备的可信执行环境中执行的应用代理以及在通信设备的正常应用执行环境中执行的事务应用。应用代理可以从应用程序接收由远程计算机生成的有限使用密钥（LUK），并将LUK存储在可信执行环境的安全存储中。当应用代理接收到在正常执行环境中执行的应用程序进行交易的请求时，应用代理可以使用LUK生成事务密码，并将交易密码提供给访问设备。

7. 发明申请

US20170364903A1 EMBEDDING CLOUD-BASED FUNCTIONALITIES IN A COMMUNICATION DEVICE 审中-公开
公开(公告)号：US20170364903A1
公开(公告)日：2017-12-21
申请号：US15682348
申请日：2017-08-21
申请人： Eduardo Lopez
发明人： Eduardo Lopez
IPC分类号： G06Q20/32 , G06Q20/38 , G06F21/44 , H04W12/04 , G06F9/455
CPC分类号： G06Q20/3227 , G06F9/455 , G06F21/44 , G06Q20/32 , G06Q20/322 , G06Q20/327 , G06Q20/3278 , G06Q20/382 , G06Q20/3825 , G06Q20/3829 , G06Q20/385 , H04L63/068 , H04W4/80 , H04W12/04 , H04W88/02
摘要： Techniques for enhancing the security of a communication device may include providing an application agent and a transaction application that executes on a communication device. The application agent may receive, from the application, a cryptogram key generated by a remote computer, and store the cryptogram key on the communication device. When the application agent receives a request to conduct a transaction from the application, the application agent may generate a transaction cryptogram using the cryptogram key, and provides the transaction cryptogram to an access device.

8. 发明授权

US06515627B2 Multiple band antenna having isolated feeds 有权
公开(公告)号：US06515627B2
公开(公告)日：2003-02-04
申请号：US09783623
申请日：2001-02-14
申请人： Eduardo Lopez , Thomas R. Trumbull
发明人： Eduardo Lopez , Thomas R. Trumbull
IPC分类号： H01Q138
CPC分类号： H01Q21/30 , H01Q1/243 , H01Q5/40 , H01Q9/0421
摘要： The invention discloses a slot antenna having a pair of orthogonally oriented front and rear reflector panels. In one embodiment, the antenna assembly includes first and second front panels oriented approximately orthogonally to each other, said first and second front panels being coupled together and having a substantially elongate slot defined upon at least a portion of each of the first and second front panels, and first and second rear reflector panels oriented approximately orthogonally to each other, and disposed proximate the first and second front panels, and a feed terminal coupled to one of the first or second front panels, said feed terminal being coupled to an input/output RF connection point. The slot antenna according to the present invention may be disposed within an associated wireless communications device relative to a ground plane element of a printed wiring board, or may be disposed separately away from the associated wireless communications device.

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