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公开(公告)号：US20170323290A1
公开(公告)日：2017-11-09
申请号：US15658897
申请日：2017-07-25
申请人： Erick Wong , Oleg Makhotin
发明人： Erick Wong , Oleg Makhotin
CPC分类号： G06Q20/363 , G06Q20/3227 , G06Q20/3278 , G06Q20/354 , G06Q20/3552 , G06Q20/38215 , G06Q20/3829
摘要： Embodiments of the invention relate to systems and methods for efficiently provisioning mobile devices with personalization data. For some embodiments, a method is disclosed comprising receiving a request for provisioning comprising device information for a mobile device and user authentication information for a user, generating a partial personalization script, an activation script, and a deletion script using the device information, sending the partial personalization script, the activation script, and the deletion script to an application provider computer, wherein the application provider computer initiates execution of the partial personalization script on the mobile device, authenticating the user authentication information, and sending an activation message to the application provider computer, wherein the application provider computer initiates execution of the activation script.
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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
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 。
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公开(公告)号：US20140344154A1
公开(公告)日：2014-11-20
申请号：US14279653
申请日：2014-05-16
申请人： Christian Flurscheim , Erick Wong , Oleg Makhotin
发明人： Christian Flurscheim , Erick Wong , Oleg Makhotin
摘要： A system and method uses one or more repurposed data fields in a payment transaction message to pass the merchant consumable data from a mobile device to the merchant system using an existing channel. The merchant consumable data relate to loyalty or rewards.
摘要翻译： 系统和方法使用支付交易消息中的一个或多个重新利用的数据字段来使用现有信道将商业消费品数据从移动设备传递到商家系统。 商家消费品数据与忠诚度或奖励有关。
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公开(公告)号：US20140337236A1
公开(公告)日：2014-11-13
申请号：US14275404
申请日：2014-05-12
申请人： Erick Wong , Oleg Makhotin
发明人： Erick Wong , Oleg Makhotin
CPC分类号： G06Q20/363 , G06Q20/3227 , G06Q20/3278 , G06Q20/354 , G06Q20/3552 , G06Q20/38215 , G06Q20/3829
摘要： Embodiments of the invention relate to systems and methods for efficiently provisioning mobile devices with personalization data. For some embodiments, a method is disclosed comprising receiving a request for provisioning comprising device information for a mobile device and user authentication information for a user, generating a partial personalization script, an activation script, and a deletion script using the device information, sending the partial personalization script, the activation script, and the deletion script to an application provider computer, wherein the application provider computer initiates execution of the partial personalization script on the mobile device, authenticating the user authentication information, and sending an activation message to the application provider computer, wherein the application provider computer initiates execution of the activation script.
摘要翻译： 本发明的实施例涉及用于使用个性化数据有效地提供移动设备的系统和方法。 对于一些实施例，公开了一种方法，包括接收包括移动设备的设备信息和用户的用户认证信息的供应请求，使用设备信息生成部分个性化脚本，激活脚本和删除脚本，发送 部分个性化脚本，激活脚本和删除脚本，其中应用提供者计算机在移动设备上启动部分个性化脚本的执行，认证用户认证信息，以及向应用提供者发送激活消息 计算机，其中所述应用提供者计算机启动所述激活脚本的执行。
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公开(公告)号：US20140250006A1
公开(公告)日：2014-09-04
申请号：US14275775
申请日：2014-05-12
申请人： Oleg Makhotin , Erick Wong
发明人： Oleg Makhotin , Erick Wong
CPC分类号： G06Q20/02 , G06Q20/3227
摘要： Embodiments of the 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 in mobile contactless provisioning and payment systems. One embodiment of the present invention is directed to a method for processing a wallet request from a wallet provider associated with mobile communication device including a secure element through an interconnectivity hub. The method comprises receiving a wallet request in first protocol, determining an issuer associated with the account identifier, and obtaining application data. The method further comprises determining a trusted service manager associated with the secure element from among a plurality of trusted service manager computers using a routing table. Additionally, the method includes determining a second protocol and obtaining a secure element key for completing a request from a secure element trusted service manager using the second protocol.
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，其有助于提供涉及移动非接触供应和支付系统的实体之间的通信。 本发明的一个实施例涉及一种用于处理来自与包括通过互连集线器的安全元件的移动通信设备相关联的钱包提供商的钱包提供商的方法。 所述方法包括：以第一协议接收钱包请求，确定与所述帐户标识符相关联的发行者，以及获取应用数据。 所述方法还包括使用路由表从多个可信服务管理器计算机中确定与所述安全元件相关联的可信服务管理器。 另外，该方法包括确定第二协议并获得用于使用第二协议从安全元件可信服务管理器完成请求的安全元件密钥。
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16.发明申请公开(公告)号：US20190074866A1
公开(公告)日：2019-03-07
申请号：US16130931
申请日：2018-09-13
申请人： Thomas Bellenger , Oleg Makhotin , Christian Aabye , Erick Wong , Sanjeev Sharma , Hao Ngo
发明人： Thomas Bellenger , Oleg Makhotin , Christian Aabye , Erick Wong , Sanjeev Sharma , Hao Ngo
摘要： Embodiments of the disclosure are directed to performing a transaction between a mobile device and an access device. Value information is provided to the access device by the mobile device. The value information is not necessary to complete the transaction.
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公开(公告)号：US09092769B2
公开(公告)日：2015-07-28
申请号：US13658935
申请日：2012-10-24
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译： 支付设备的接口和设备架构。 安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。 这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。 类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。
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公开(公告)号：US20120022973A1
公开(公告)日：2012-01-26
申请号：US13149553
申请日：2011-05-31
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makerenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makerenko , Hao Ngo , Christian Aabye , William Alexander Thaw
IPC分类号： G06Q40/00
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译： 支付设备的接口和设备架构。 安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。 这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。 类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。
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公开(公告)号：US20180204206A1
公开(公告)日：2018-07-19
申请号：US15921332
申请日：2018-03-14
申请人： Christian Flurscheim , Erick Wong , Oleg Makhotin
发明人： Christian Flurscheim , Erick Wong , Oleg Makhotin
CPC分类号： G06Q20/3276 , G06K19/06037 , G06K19/06112 , G06Q20/3274 , G06Q20/3821
摘要： Systems and methods for facilitating payment transactions using quick-response (QR) codes are provided. A first machine readable code encoding first data generated by an access device is scanned by a communication device. The communication device generates a cryptogram based on the first data encoded within the first machine readable code. The communication device then obtains financial credentials data from a payment application being executed on the communication device. A second machine readable code encoding second data comprising the financial credentials data and the cryptogram is then generated. The second machine readable code is displayed on a display of the communication device, wherein the second machine readable code is scanned by the access device.
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公开(公告)号：US20180068296A1
公开(公告)日：2018-03-08
申请号：US15810710
申请日：2017-11-13
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
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