BARCODE-TRIGGERED PAYMENT METHOD AND SYSTEM
    22.
    发明申请

    公开(公告)号:US20160155112A1

    公开(公告)日:2016-06-02

    申请号:US14980968

    申请日:2015-12-28

    Abstract: A first mobile phone is used to scan a barcode to launch a first mobile payment application on the first mobile device. A payment request is transmitted from the first mobile device to a second mobile device. The second mobile device is operated by a payment account holder. A second mobile payment application is launched in the second mobile device in response to receipt of the payment request. The payment request includes data obtained by the first mobile device scanning the barcode. A response is received from the payment account holder to the second mobile payment application. Payment account credentials are supplied via the second mobile device to conduct a transaction in accordance with the payment request. The payment account credentials identify a payment account belonging to the payment account holder.

    Abstract translation: 第一移动电话用于扫描条形码以在第一移动设备上发起第一移动支付应用。 支付请求从第一移动设备发送到第二移动设备。 第二个移动设备由支付账户持有人操作。 响应于接收到支付请求,在第二移动设备中启动第二移动支付应用。 支付请求包括由第一移动设备获取的扫描条形码的数据。 从付款账户持有人收到第二个移动支付应用程序的回复。 支付帐户凭证通过第二移动设备提供以根据支付请求进行交易。 付款帐户凭据标识属于付款帐户持有者的付款帐户。

    MOBILE SECURE ELEMENT BASED SHARED CARDHOLDER VERIFICATION
    23.
    发明申请
    MOBILE SECURE ELEMENT BASED SHARED CARDHOLDER VERIFICATION 有权
    基于移动安全元件的共享卡验证

    公开(公告)号:US20150206136A1

    公开(公告)日:2015-07-23

    申请号:US14162055

    申请日:2014-01-23

    Abstract: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.

    Abstract translation: 在支付支付智能手机中,共享持卡人验证方法(CVM)小程序服务于多个移动支付卡。 共享的CVM小程序验证由智能手机的用户输入的CVM信息,并且响应发出CVM令牌。 CVM令牌被传递给为当前事务选择的特定的移动支付小卡。 所选择的移动支付卡片将CVM令牌提交给共享的CVM小应用程序进行验证。 在验证CVM令牌时,共享的CVM小应用程序使所选择的移动支付卡片可以执行当前的交易。

    Systems and Methods Relating to Secure Payment Transactions
    24.
    发明申请
    Systems and Methods Relating to Secure Payment Transactions 审中-公开
    与安全支付交易有关的系统和方法

    公开(公告)号:US20150019439A1

    公开(公告)日:2015-01-15

    申请号:US14330227

    申请日:2014-07-14

    Inventor: Simon Phillips

    Abstract: Systems and methods are provided for processing a transaction to enable an issuer of a physical transaction device to process a transaction message relating to a digital transaction device, where the digital transaction device is a digitized counterpart of the physical transaction device. In connection therewith, a transaction processing system is configured to receive the transaction message including a digital device data set associated with the digital transaction device; identify a physical device data set that corresponds to the digital device data set from a group of paired physical device data sets and respective digital device data sets; modify the transaction message to include the identified physical device data set to form a modified transaction message; and communicate the modified transaction message to the issuer of the physical transaction device.

    Abstract translation: 提供系统和方法来处理事务以使物理交易设备的发行者能够处理与数字交易设备有关的交易消息,其中数字交易设备是物理交易设备的数字化对应物。 与此相关,交易处理系统被配置为接收包括与数字交易设备相关联的数字设备数据集的交易消息; 从一组配对的物理设备数据集和相应的数字设备数据集中识别对应于数字设备数据集的物理设备数据集; 修改交易消息以包括所识别的物理设备数据集以形成修改的交易消息; 并将修改的事务消息传送到物理交易设备的发行者。

    SYSTEM AND METHOD FOR MOBILE PIN SYNCHRONIZATION
    25.
    发明申请
    SYSTEM AND METHOD FOR MOBILE PIN SYNCHRONIZATION 有权
    用于移动PIN码同步的系统和方法

    公开(公告)号:US20140344166A1

    公开(公告)日:2014-11-20

    申请号:US14277261

    申请日:2014-05-14

    CPC classification number: G06Q20/4012 G06Q20/322 H04W12/04 H04W12/06

    Abstract: The present invention relates to a method and system for synchronising a personal identification number (PIN) value stored in a mobile computing device, with a PIN value stored on a remote server.The remote server receives a request from the mobile computing device to record a PIN value, the request comprising the PIN value.The PIN value is recovered from the received request and stored at the remote server.An instruction set arranged to record the PIN value in a secure hardware element comprised within the mobile computing device is generated and transmitted to the mobile computing device.The instruction set executes on the mobile computing device in order to record the PIN value on the secure hardware element.

    Abstract translation: 本发明涉及用于将存储在移动计算设备中的个人识别号码(PIN)值与存储在远程服务器上的PIN值进行同步的方法和系统。 远程服务器从移动计算设备接收到记录PIN值的请求,该请求包括PIN值。 PIN值从接收到的请求中恢复并存储在远程服务器。 被配置为将PIN值记录在包括在移动计算设备内的安全硬件元件中的指令集被生成并被发送到移动计算设备。 指令集在移动计算设备上执行,以便将PIN值记录在安全硬件元件上。

    BRAIN ACTIVITY-BASED AUTHENTICATION
    29.
    发明申请

    公开(公告)号:US20200151308A1

    公开(公告)日:2020-05-14

    申请号:US16676082

    申请日:2019-11-06

    Inventor: Simon Phillips

    Abstract: A method of authentication of a user is provided. The method comprises capturing a brain activity signal from a user; comparing the brain activity signal with reference data; and determining, based at least in part on the comparison, whether the identity of the user can be confirmed. Also provided is a computing device comprising at least one processor and at least one memory. The computing device is adapted to: communicate with a brain activity sensing system to capture a brain activity signal from the user; provide the captured brain activity signal to an authentication service computing system; and authenticate the user based at least in part on the result of a comparison with reference data received from the authentication service computing system. A system comprising the computing device and a brain activity sensing system, and am authentication service computing device are also provided.

    SCANNABLE AND ACTUATABLE DISPLAY PORTION FOR PAYMENT APPLICATIONS

    公开(公告)号:US20190164146A1

    公开(公告)日:2019-05-30

    申请号:US15827205

    申请日:2017-11-30

    Inventor: Simon Phillips

    Abstract: A screen display is displayed on a touchscreen display component of a computing device. The screen display includes an actuatable portion. The actuatable portion is for being triggered by a touch from a user to launch a payment process. Within the actuatable portion, a dynamic image is displayed. The dynamic image includes animated symbols that collectively represent a number of payment system brands.

Patent Agency Ranking