Secure payments using a mobile wallet application

    公开(公告)号:US11868997B2

    公开(公告)日:2024-01-09

    申请号:US17095080

    申请日:2020-11-11

    申请人: Minkasu, Inc.

    IPC分类号: G06Q20/38 G06Q20/32 G06Q20/02

    摘要: A payment system implemented on a mobile device authenticates transactions made via the mobile device. The mobile device generates a public-private key pair and receives an authenticating input from a user of the device. The public key is sent to a secure payment system, and the authenticating input is used to generate a symmetric key that encrypts the private key. After a transaction is initiated, the mobile device receives an authenticating input from the user. The symmetric key is generated from the authenticating input and the mobile device attempts to decrypt the private key from the encrypted private key using the symmetric key generated by the user's input. The decrypted key is used to sign a transaction authorization message which is sent to the secure payment system, along with payment information, which can verify the signed message via the public key. Additional techniques related to secure payments are also disclosed.

    Authenticating Transactions Using Biometric Authentication

    公开(公告)号:US20210182863A1

    公开(公告)日:2021-06-17

    申请号:US17180785

    申请日:2021-02-20

    申请人: Minkasu, Inc.

    摘要: A system and method for authenticating transactions using biometric authentication is disclosed. The method includes receiving a message for a transaction from one of a user device and a trusted authority server. The message is generated on receiving preconfigured biometric data for the transaction on the user device. The message is verified in order to retrieve a prestored second Personal Identification Number (PIN) fragment associated with a PIN of the user. The second PIN fragment is transmitted to one of the user device and the trusted authority server in order to determine the PIN by using the second PIN fragment and a first PIN fragment received from the user device. In an alternate implementation, the method includes determining an authorized token using one or more token fragments stored on a plurality of entities.

    Secure payments using a mobile wallet application

    公开(公告)号:US10861009B2

    公开(公告)日:2020-12-08

    申请号:US14695016

    申请日:2015-04-23

    申请人: Minkasu, Inc.

    摘要: A payment system implemented on a mobile device authenticates transactions made via the mobile device. The mobile device generates a public-private key pair and receives an authenticating input from a user of the device. The public key is sent to a secure payment system, and the authenticating input is used to generate a symmetric key that encrypts the private key. After a transaction is initiated, the mobile device receives an authenticating input from the user. The symmetric key is generated from the authenticating input and the mobile device attempts to decrypt the private key from the encrypted private key using the symmetric key generated by the user's input. The decrypted key is used to sign a transaction authorization message which is sent to the secure payment system, along with payment information, which can verify the signed message via the public key. Additional techniques related to secure payments are also disclosed.

    Embedding information in an image for fast retrieval
    15.
    发明授权
    Embedding information in an image for fast retrieval 有权
    将信息嵌入到图像中以进行快速检索

    公开(公告)号:US09418271B2

    公开(公告)日:2016-08-16

    申请号:US14699844

    申请日:2015-04-29

    申请人: Minkasu, Inc.

    摘要: A binary bit-string is encoded in a circular image. The circular image encodes substrings of the bit-string in sectors of the circular image and includes redundant bits, error correcting codes, and metadata pertaining to the encoding scheme. To encode the bit-strings, a circular image is generated that includes a center ring and a first ring. Outward from the first ring, additional rings represent bits in the bit-string according to the width of each ring. The exterior of the image includes an outer boundary ring. The width of the boundary rings is used to define the widths representing the value of each ring. To extract a bit-string from an image, the center of the circular image is identified and a direction is selected to evaluate the image outward, determining the boundaries of each ring. The boundaries are analyzed to determine the width of each ring and the encoded bit values.

    摘要翻译: 二进制位串被编码为圆形图像。 圆形图像编码圆形图像的扇区中的位串的子串,并且包括与编码方案相关的冗余位,纠错码和元数据。 为了对位串进行编码,生成包括中心环和第一环的圆形图像。 从第一个环向外,附加的环表示根据每个环的宽度的位串中的位。 图像的外部包括外边界环。 边界环的宽度用于定义表示每个环的值的宽度。 为了从图像中提取位串,识别圆形图像的中心,并选择方向以向外评估图像,确定每个环的边界。 分析边界以确定每个环的宽度和编码比特值。