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1. 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。

2. 发明申请

US20170221056A1 SECURE REMOTE PAYMENT TRANSACTION PROCESSING USING A SECURE ELEMENT 审中-公开
公开(公告)号：US20170221056A1
公开(公告)日：2017-08-03
申请号：US15490191
申请日：2017-04-18
申请人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
发明人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
IPC分类号： G06Q20/38 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/3829 , G06Q20/3227 , G06Q20/3278 , G06Q20/38215 , G06Q20/401 , G06Q20/409
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. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.

3. 发明授权

US09646303B2 Secure remote payment transaction processing using a secure element 有权
公开(公告)号：US09646303B2
公开(公告)日：2017-05-09
申请号：US14461227
申请日：2014-08-15
申请人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
发明人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
IPC分类号： G06Q20/00 , G06Q20/38 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/3829 , G06Q20/3227 , G06Q20/3278 , G06Q20/38215 , G06Q20/401 , G06Q20/409
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. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.

4. 发明申请

US20150046339A1 METHODS AND SYSTEMS FOR PROVISIONING MOBILE DEVICES WITH PAYMENT CREDENTIALS 审中-公开
标题翻译：用支付凭证提供移动设备的方法和系统
公开(公告)号：US20150046339A1
公开(公告)日：2015-02-12
申请号：US14455600
申请日：2014-08-08
申请人： Erick Wong , Kiushan Pirzadeh , Oleg Makhotin , Glenn Powell , Igor Karpenko , John Sheets , Frederick Liu
发明人： Erick Wong , Kiushan Pirzadeh , Oleg Makhotin , Glenn Powell , Igor Karpenko , John Sheets , Frederick Liu
IPC分类号： G06Q20/38 , G06Q20/40 , G06Q20/32
摘要： Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.
摘要翻译：描述的实施例旨在优化使用移动钱包的移动设备的支付帐户凭证的提供。在一些实施例中，可以基于与特定供应请求相关的确定的风险来选择性地选择多个供应方案之一用于支付帐户凭证供应。低风险提供请求导致立即提供支付凭证，而高风险的供应请求导致供应请求被拒绝。在一些实施例中，中等风险供应请求将导致在支付帐户供应被最终确定之前执行额外的用户认证。附加用户认证可以使用与接收供应请求的信道不同的通信信道来进行。

5. 发明申请

US20170200156A1 SECURE REMOTE PAYMENT TRANSACTION PROCESSING USING A SECURE ELEMENT 审中-公开
公开(公告)号：US20170200156A1
公开(公告)日：2017-07-13
申请号：US15471800
申请日：2017-03-28
申请人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
发明人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
IPC分类号： G06Q20/38
CPC分类号： G06Q20/3829 , G06Q20/3227 , G06Q20/3278 , G06Q20/38215 , G06Q20/401 , G06Q20/409
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. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.

6. 发明申请

US20150052064A1 Secure Remote Payment Transaction Processing Using a Secure Element 有权
标题翻译：使用安全元素进行安全的远程支付事务处理
公开(公告)号：US20150052064A1
公开(公告)日：2015-02-19
申请号：US14461227
申请日：2014-08-15
申请人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
发明人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
IPC分类号： G06Q20/38 , G06Q20/32
CPC分类号： G06Q20/3829 , G06Q20/3227 , G06Q20/3278 , G06Q20/38215 , G06Q20/401 , G06Q20/409
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. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.
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。该方法包括通过移动设备的安全存储器上的移动支付应用从移动设备上的交易处理器应用接收交易数据。该方法还包括验证交易处理器应用是真实的并且响应于验证交易处理器应用，向交易处理器应用提供加密的支付凭证。交易处理器应用程序使用加密的支付凭证进一步发起与交易处理器服务器计算机的支付交易。

7. 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。

8. 发明授权

US09589152B2 System and method for sensitive data field hashing 有权
标题翻译：敏感数据字段散列的系统和方法
公开(公告)号：US09589152B2
公开(公告)日：2017-03-07
申请号：US12233206
申请日：2008-09-18
申请人： John Sheets
发明人： John Sheets
IPC分类号： G06F17/30 , G06F21/64 , H04L29/06
CPC分类号： G06F21/64 , H04L63/0428 , H04L63/12
摘要： Data to be exchanged in a transaction is protected by using a hashing function to transform sensitive data into a scrambled form. The hashing function can use as its inputs data derived entirely or in part from portions of the data to be exchanged. The hashing function can also use as its inputs data derived entirely or in part from other locally available data. The output of the hash function is then transmitted to a destination that attempts to recreate the output of the hash function in order to validate the data transmission.
摘要翻译：通过使用散列函数将敏感数据转换成加扰形式来保护交易中要交换的数据。散列函数可以作为其输入数据，完全或部分地从要交换的数据的部分中导出。散列函数也可以用作完全或部分地从其他本地可用数据导出的输入数据。然后将散列函数的输出发送到尝试重新创建散列函数的输出以便验证数据传输的目的地。

9. 发明申请

US20150032627A1 SYSTEMS AND METHODS FOR COMMUNICATING TOKEN ATTRIBUTES ASSOCIATED WITH A TOKEN VAULT 有权
标题翻译：与TOKEN VAULT相关联的东京属性的系统和方法
公开(公告)号：US20150032627A1
公开(公告)日：2015-01-29
申请号：US14340464
申请日：2014-07-24
申请人： Matthew Dill , Prasanna Laxminarayanan , Glenn Powell , John Sheets , Andrew Carpenter
发明人： Matthew Dill , Prasanna Laxminarayanan , Glenn Powell , John Sheets , Andrew Carpenter
IPC分类号： G06Q20/40
CPC分类号： G06Q20/385 , G06Q20/40 , G06Q20/4016 , H04L9/32 , H04L2209/42 , H04L2209/56
摘要： Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.
摘要翻译：提供了可互操作的网络令牌处理的系统和方法。网络令牌系统提供可以由外部实体（例如，第三方钱包，电子商务商家，支付使能者/支付服务提供商等）或需要使用令牌的内部支付处理网络系统来利用的平台以方便支付交易。令牌注册表库可以为令牌的生成，使用和管理提供各种令牌请求者（例如，移动设备，发行商，商家，移动钱包提供商等），商家，获取者，发行者和支付处理网络系统的接口。网络令牌系统还提供诸如卡注册，令牌生成，令牌发行，令牌认证和激活，令牌交换和令牌生命周期管理等服务。

10. 发明申请

US20090077104A1 SYSTEM AND METHOD FOR SENSITIVE DATA FIELD HASHING 有权
标题翻译：敏感数据场系统和方法
公开(公告)号：US20090077104A1
公开(公告)日：2009-03-19
申请号：US12233206
申请日：2008-09-18
申请人： John Sheets
发明人： John Sheets
IPC分类号： G06F17/30
CPC分类号： G06F21/64 , H04L63/0428 , H04L63/12
摘要： Data to be exchanged in a transaction is protected by using a hashing function to transform sensitive data into a scrambled form. The hashing function can use as its inputs data derived entirely or in part from portions of the data to be exchanged. The hashing function can also use as its inputs data derived entirely or in part from other locally available data. The output of the hash function is then transmitted to a destination that attempts to recreate the output of the hash function in order to validate the data transmission.
摘要翻译：通过使用散列函数将敏感数据转换成加扰形式来保护交易中要交换的数据。散列函数可以作为其输入数据，完全或部分地从要交换的数据的部分中导出。散列函数也可以用作完全或部分地从其他本地可用数据导出的输入数据。然后将散列函数的输出发送到尝试重新创建散列函数的输出以便验证数据传输的目的地。

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