公开(公告)号：US20160275492A1

公开(公告)日：2016-09-22

申请号：US14662210

申请日：2015-03-18

Applicant: GOOGLE INC.

Inventor： Justin Lee Brickell ,  Max Christoff

IPC: G06Q20/36 ,  G06Q20/34 ,  G06Q20/38

Abstract: A user accesses a merchant system website via a user computing device, selects items for purchase, and selects an option to checkout using a digital wallet account. The user selects payment information associated with a payment card device for use in an online transaction. The merchant system transmits an unpredictable number to the user computing device. The user taps the payment card device to the user computing device to establish a wireless communication channel over which the payment card device receives the unpredictable number. The payment card device transmits payment card information and a check sum calculated from the unpredictable number and by the payment card device to the merchant system via the user computing device. The merchant system transmits the check sum and payment card information in a transaction authorization request to the issuer system, which verifies the check sum using the shared secret and the unpredictable number.

Abstract translation: 用户通过用户计算设备访问商家系统网站，选择要购买的商品，并使用数字钱包帐户选择选项进行结帐。 用户选择与支付卡设备相关联的支付信息以用于在线交易。 商家系统向用户计算设备发送不可预测的号码。 用户将支付卡设备点击到用户计算设备以建立无线通信信道，支付卡设备在该无线通信信道上接收不可预测的号码。 支付卡设备经由用户计算设备将支付卡信息和从不可预知的号码和支付卡设备计算的支票金额发送给商家系统。 商户系统将交易授权请求中的支票金额和支付卡信息发送给发行人系统，该发行人系统使用共享秘密和不可预测的号码来核对支票金额。

公开(公告)号：US20160125396A1

公开(公告)日：2016-05-05

申请号：US14527763

申请日：2014-10-29

Applicant: GOOGLE INC.

Inventor： Justin Lee Brickell ,  Max Christoff

IPC: G06Q20/36 ,  G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/367 ,  G06Q20/382 ,  G06Q20/401

Abstract: In an example embodiment, an issuer system receives payment card information from a payment processing system, wherein the payment card information is received from a payment card via a user computing device using near field communication. The issuer system generates an unpredictable number for the payment card and communicates the unpredictable number to the payment card via the payment processing system and the user computing device. The payment card calculates a cryptographic checksum based on the unpredictable number and a shared secret and communicates the checksum to the issuer system via the user computing device and payment processing system. The issuer system verifies the checksum using the shared secret and the unpredictable number. The issuer system generates a token associated with the payment card and transmits the token to the user computing device via the payment processing system for use in an online transaction.

Abstract translation: 在示例实施例中，发行者系统从支付处理系统接收支付卡信息，其中通过使用近场通信的用户计算设备从支付卡接收支付卡信息。 发行者系统为支付卡生成不可预测的号码，并通过支付处理系统和用户计算装置将不可预测的号码传送到支付卡。 支付卡基于不可预测的号码和共享秘密计算加密校验和，并且经由用户计算设备和支付处理系统将校验和传送给发行者系统。 发行者系统使用共享密钥和不可预测的数字来验证校验和。 发行者系统生成与支付卡相关联的令牌，并通过支付处理系统向用户计算设备发送令牌，以用于在线交易。