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1. 发明申请

US20150081554A1 Systems and Methods for Managing Mobile Account Holder Verification Methods 审中-公开
标题翻译：管理移动帐户持有人验证方法的系统和方法
公开(公告)号：US20150081554A1
公开(公告)日：2015-03-19
申请号：US14490522
申请日：2014-09-18
申请人： Erick Wong , Kiushan Pirzadeh , Christian Aabye
发明人： Erick Wong , Kiushan Pirzadeh , Christian Aabye
IPC分类号： G06Q20/40 , G06Q20/36
CPC分类号： G06Q20/401 , G06Q20/322 , G06Q20/36 , G06Q20/3674 , G06Q40/02
摘要： Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for coordinating account holder verification methods among secure entity applications and wallet applications from different issuers, wallet providers, etc. on mobile devices. A common payment management application may be provided in a trusted execution environment associated with a mobile device to support secure entity applications (e.g., provisioned payment application instances in the trusted execution environment) and mobile wallet applications (e.g., provisioned on a memory of the mobile device) to coordinate account holder verification methods. The common payment management application may be accessible by both mobile applications and the secure entity applications.
摘要翻译：本发明的实施例涉及方法，装置，计算机可读介质和用于协调安全实体应用程序之间的帐户持有者验证方法的系统和用于移动设备上的不同发行者，钱包提供商等的钱包应用程序。可以在与移动设备相关联的可信任执行环境中提供公共支付管理应用，以支持安全实体应用（例如，在可信执行环境中提供的支付应用实例）和移动钱包应用（例如，在移动设备的存储器上设备）来协调账户持有者的验证方法。普通支付管理应用程序可以由移动应用程序和安全实体应用程序访问。

2. 发明申请

US20190163467A1 METHODS AND SYSTEMS FOR PARTIAL PERSONALIZATION DURING APPLICATION UPDATE 审中-公开
公开(公告)号：US20190163467A1
公开(公告)日：2019-05-30
申请号：US16262766
申请日：2019-01-30
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： G06F8/65 , G06F8/71 , G06F9/445
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 application on a communication device. For example, personalization profiles associated with multiple versions of the application may be stored at a provisioning system and the provisioning system may determine the appropriate partial provisioning information to update the application for each migration notification. Partial personalization information that is to be updated for the updated version of the application may be generated and installed to enable new functionality and/or update the information contained within an updated application without requiring re-personalization of all personalized information.

3. 发明申请

US20150127529A1 METHODS AND SYSTEMS FOR MOBILE PAYMENT APPLICATION SELECTION AND MANAGEMENT USING AN APPLICATION LINKER 审中-公开
标题翻译：使用应用程序链接器的移动支付应用程序选择和管理的方法和系统
公开(公告)号：US20150127529A1
公开(公告)日：2015-05-07
申请号：US14534037
申请日：2014-11-05
申请人： Oleg Makhotin , Christian Aabye , Kiushan Pirzadeh
发明人： Oleg Makhotin , Christian Aabye , Kiushan Pirzadeh
IPC分类号： G06Q20/08 , G06Q20/32
摘要： An application linker system that manages a plurality of application identifiers associated with a plurality of payment applications present on a device is disclosed. The application linker may manage relationships between application identifiers and payment applications that are provisioned for secure storage on a device. For example, a transaction can be conducted between a portable communication device and an access device. The method includes receiving a request for available payment applications located on the portable communication device from the access device, determining application identifiers associated with payment applications on the device, and sending a list of available payment applications including the application identifiers to the access device. The payment applications store payment information associated with one or more consumer accounts. One of the application identifiers is associated with two or more payment applications.
摘要翻译：公开了一种管理与存在于设备上的多个支付应用相关联的多个应用标识符的应用链接器系统。应用程序链接器可以管理应用程序标识符和为设备上的安全存储配置的支付应用程序之间的关系。例如，可以在便携式通信设备和接入设备之间进行交易。该方法包括从访问设备接收位于便携式通信设备上的可用支付应用的请求，确定与设备上的支付应用相关联的应用标识符，以及将包括应用标识符的可用支付应用的列表发送到接入设备。支付应用程序存储与一个或多个消费者帐户相关联的支付信息。其中一个应用程序标识符与两个或多个支付应用程序相关联。

4. 发明申请

US20170123789A1 METHODS AND SYSTEMS FOR PARTIAL PERSONALIZATION DURING APPLICATION UPDATE 审中-公开
公开(公告)号：US20170123789A1
公开(公告)日：2017-05-04
申请号：US15401726
申请日：2017-01-09
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 , H04W4/00 , G06F9/445 , H04L29/08
CPC分类号： 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 application on a communication device. For example, personalization profiles associated with multiple versions of the application may be stored at a provisioning system and the provisioning system may determine the appropriate partial provisioning information to update the application for each migration notification. Partial personalization information that is to be updated for the updated version of the application may be generated and installed to enable new functionality and/or update the information contained within an updated application without requiring re-personalization of all personalized information.

5. 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.

6. 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。

7. 发明申请

US20190122210A1 MOBILE PAYMENT APPLICATION PROVISIONING AND PERSONALIZATION ON A MOBILE DEVICE 审中-公开
公开(公告)号：US20190122210A1
公开(公告)日：2019-04-25
申请号：US16219772
申请日：2018-12-13
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： G06Q20/38 , G06Q20/34 , G06Q20/02 , G06Q20/32
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.

8. 发明申请

US20190019176A1 OVER THE AIR UPDATE OF PAYMENT TRANSACTION DATA STORED IN SECURE MEMORY 审中-公开
公开(公告)号：US20190019176A1
公开(公告)日：2019-01-17
申请号：US16030394
申请日：2018-07-09
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： G06Q20/32 , G06Q20/40 , G06Q20/38 , G06Q20/20 , G06Q20/10
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.

9. 发明申请

US20170255919A1 OVER THE AIR UPDATE OF PAYMENT TRANSACTION DATA STORED IN SECURE MEMORY 审中-公开
公开(公告)号：US20170255919A1
公开(公告)日：2017-09-07
申请号：US15586169
申请日：2017-05-03
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： G06Q20/40 , G06Q20/20 , G06Q20/38 , G06Q20/32 , G06Q20/10
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. 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

US20150019443A1 SECURE REMOTE PAYMENT TRANSACTION PROCESSING 审中-公开
标题翻译：安全远程付款交易处理
公开(公告)号：US20150019443A1
公开(公告)日：2015-01-15
申请号：US14332245
申请日：2014-07-15
申请人： John Sheets , Kim Wagner , Christian Aabye , Frederick Liu , Igor Karpenko , Glenn Powell , Kiushan Pirzadeh
发明人： John Sheets , Kim Wagner , Christian Aabye , Frederick Liu , Igor Karpenko , Glenn Powell , Kiushan Pirzadeh
IPC分类号： G06Q20/32 , G06Q20/38
CPC分类号： G06Q20/3278 , G06Q20/322 , G06Q20/3829
摘要： Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor. The transaction processor decrypts the re-encrypted payment information using a transaction processor private key and initiates a payment transaction.
摘要翻译：本发明的实施例涉及用于安全地处理远程事务的方法，装置，计算机可读介质和系统。本发明的一个实施例涉及一种处理由移动设备发起的远程交易的方法，该移动设备包括服务器计算机接收包括加密支付信息的支付请求。加密的支付信息由移动设备的移动支付应用程序生成，并使用第三方密钥进行加密。该方法还包括使用第三方密钥对加密的支付信息进行解密，确定与支付信息相关联的交易处理器公开密钥，以及使用交易处理器公开密钥重新加密支付信息。该方法还包括向业务处理器发送包括重新加密的支付信息的支付响应。交易处理器使用交易处理器私钥解密重新加密的支付信息并启动支付交易。

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