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公开(公告)号：US20170290079A1
公开(公告)日：2017-10-05
申请号：US15629169
申请日：2017-06-21
CPC分类号： H04W76/14 , H04L67/12 , H04W12/02 , H04W12/06 , H04W48/16 , H04W76/11 , H04W84/18 , H04W88/12
摘要： Techniques for conducting a transaction in a midrange wireless communication system are described. The techniques may include detecting a beacon transmission from a midrange wireless base station, determining that the beacon transmission includes a transaction service identifier, and invoking a transaction application associated with the transaction service identifier. The techniques may also include receiving transaction information for a transaction associated with a transaction identifier mapped to the device identifier; and sending a transaction cryptogram from the transaction application to the midrange wireless base station to conduct the transaction.
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公开(公告)号：US20110258686A1
公开(公告)日：2011-10-20
申请号：US13034449
申请日：2011-02-24
IPC分类号： G06F21/20
摘要： An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.
摘要翻译： 公开了一种别名管理和价值转让理赔处理系统。 发送实体发起使用未与系统未注册的别名标识接收方实体的值传输。 价值转让是授权的，但直到接收方实体向系统注册并声明价值转移为止。 注册的别名可用于后续值转移。
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公开(公告)号：US07815111B2
公开(公告)日：2010-10-19
申请号：US11612762
申请日：2006-12-19
IPC分类号： G06K5/00
CPC分类号： G07F7/1008 , G06Q20/209 , G06Q20/32 , G06Q20/3227 , G06Q20/341 , G06Q20/3552 , G06Q20/35765 , G06Q30/0226 , G07F7/0886 , H04M1/673 , H04M1/72522
摘要： A system and method for managing one or more applications deployed on a mobile electronic device, such as a cellular phone, are disclosed. The system and method enable the user of a mobile electronic device to select one of a plurality of applications deployed on the mobile electronic device for use in a transaction and to authenticate himself or herself prior to initiating the transaction. The transaction may occur via a wireless interface and/or a contact-based interface. In addition, the system and method allow the user to manage applications deployed on a mobile electronic device, including adding new applications, designating nicknames for the applications and setting security codes for each application.
摘要翻译： 公开了一种用于管理部署在诸如蜂窝电话的移动电子设备上的一个或多个应用的系统和方法。 该系统和方法使得移动电子设备的用户能够选择部署在移动电子设备上的多个应用中的一个，以便在交易中使用并且在发起交易之前认证自己。 该事务可以通过无线接口和/或基于接口的接口进行。 此外，系统和方法允许用户管理部署在移动电子设备上的应用程序，包括添加新的应用程序，为应用程序指定昵称以及为每个应用程序设置安全代码。
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公开(公告)号：US20090179075A1
公开(公告)日：2009-07-16
申请号：US11612762
申请日：2006-12-19
CPC分类号： G07F7/1008 , G06Q20/209 , G06Q20/32 , G06Q20/3227 , G06Q20/341 , G06Q20/3552 , G06Q20/35765 , G06Q30/0226 , G07F7/0886 , H04M1/673 , H04M1/72522
摘要： A system and method for managing one or more applications deployed on a mobile electronic device, such as a cellular phone, are disclosed. The system and method enable the user of a mobile electronic device to select one of a plurality of applications deployed on the mobile electronic device for use in a transaction and to authenticate himself or herself prior to initiating the transaction. The transaction may occur via a wireless interface and/or a contact-based interface. In addition, the system and method allow the user to manage applications deployed on a mobile electronic device, including adding new applications, designating nicknames for the applications and setting security codes for each application.
摘要翻译： 公开了一种用于管理部署在诸如蜂窝电话的移动电子设备上的一个或多个应用的系统和方法。 该系统和方法使得移动电子设备的用户能够选择部署在移动电子设备上的多个应用中的一个，以便在交易中使用并且在发起交易之前认证自己。 该事务可以通过无线接口和/或基于接口的接口进行。 此外，系统和方法允许用户管理部署在移动电子设备上的应用程序，包括添加新的应用程序，为应用程序指定昵称以及为每个应用程序设置安全代码。
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公开(公告)号：US20140344153A1
公开(公告)日：2014-11-20
申请号：US14279186
申请日：2014-05-15
申请人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
发明人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
CPC分类号： G06Q20/3821 , G06Q20/027 , G06Q20/3223 , G06Q20/385
摘要： Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.
摘要翻译： 本发明的实施例涉及用于使用可以为各种上下文中的各种实体提供标记化的公共标记化能力（CTC）模块来实现移动标记集线器的系统和方法。 例如，CTC模块可以提供和存储用于移动支付交易，过境交易，数字钱包应用，商业销售点（POS）应用，个性化服务等的令牌。
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公开(公告)号：US20140325606A1
公开(公告)日：2014-10-30
申请号：US14288254
申请日：2014-05-27
申请人： Ashwin Raj , John Tullis , Mark Carlson , Patrick Faith , Shalini Mayor , Joseph Mirizzi , Lauren White , Olivier Brand , Mike Lindelsee
发明人： Ashwin Raj , John Tullis , Mark Carlson , Patrick Faith , Shalini Mayor , Joseph Mirizzi , Lauren White , Olivier Brand , Mike Lindelsee
IPC分类号： H04L29/06
CPC分类号： H04W12/06 , G06F21/31 , G06F2221/2117 , G06Q20/02 , G06Q20/10 , G06Q20/3829 , G06Q20/40 , G06Q20/4037 , G06Q40/02 , H04L9/0643 , H04L9/0861 , H04L9/321 , H04L9/3226 , H04L9/3236 , H04L63/0428 , H04L63/08 , H04L63/0884 , H04W12/04 , H04W12/08
摘要： Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
摘要翻译： 公开了使用算法定义的键进行服务激活的系统和方法。 与第一方有关系的消费者可能希望注册第三方提供的服务。 第一方可以通过使用算法定义的键来保持对这种注册的控制。 算法定义的密钥还允许第三方服务提供商将由消费者提供的数据验证为由第一方存储的匹配数据。 验证提供数据同步，而不需要第三方访问第一方数据系统。
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公开(公告)号：US20130226799A1
公开(公告)日：2013-08-29
申请号：US13593245
申请日：2012-08-23
IPC分类号： G06Q20/38
CPC分类号： G06Q20/3821 , G06Q20/1085 , G06Q20/18 , G06Q20/3223 , G06Q20/388 , G06Q20/401 , G06Q20/40975 , G06Q20/42 , G06Q40/02 , G07C9/00 , G07F19/00 , H04L63/0838 , H04L63/0853 , H04L63/18
摘要： Embodiments of the invention are directed towards improved transaction processing methods and systems with transaction apparatuses, including a value transfer machine, using a device identifier instead of a value transfer machine card to process a transaction. One embodiment of the transaction may be directed to a transaction apparatus and a method including receiving an authentication code from a consumer, sending the authentication code to a first server computer, wherein if the received authentication code matches a generated authentication code, the first server sends a confirmation message. The method continues by receiving the confirmation message from the first server, receiving a secret token from the consumer, and sending an authorization request message to a second server computer. Thereafter, the transaction apparatus receives an authorization response message from the second server, indicating whether the secret token matches an expected token. Other embodiments are directed to first and second servers and corresponding methods.
摘要翻译： 本发明的实施例涉及具有交易设备的改进的交易处理方法和系统，包括价值转移机器，其使用设备标识符而不是价值转移机器卡来处理交易。 交易的一个实施例可以涉及交易装置和方法，包括从消费者接收认证码，将认证码发送到第一服务器计算机，其中如果所接收的认证码与生成的认证码匹配，则第一服务器发送 确认消息。 该方法通过从第一服务器接收确认消息，从消费者接收秘密令牌并向第二服务器计算机发送授权请求消息来继续。 此后，交易装置从第二服务器接收授权响应消息，指示秘密令牌是否匹配预期令牌。 其他实施例针对第一和第二服务器及相应的方法。
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公开(公告)号：US08336088B2
公开(公告)日：2012-12-18
申请号：US13034449
申请日：2011-02-24
IPC分类号： G06F7/04
摘要： An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.
摘要翻译： 公开了一种别名管理和价值转让理赔处理系统。 发送实体发起使用未与系统未注册的别名标识接收方实体的值传输。 价值转让是授权的，但直到接收方实体向系统注册并声明价值转移为止。 注册的别名可用于后续值转移。
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9.发明申请METHOD AND SYSTEM FOR DETERMINING FEES AND FOREIGN EXCHANGE RATES FOR A VALUE TRANSFER TRANSACTION 审中-公开用于确定价值转移交易费用和外汇交易率的方法和系统公开(公告)号：US20110282780A1
公开(公告)日：2011-11-17
申请号：US13089231
申请日：2011-04-18
申请人： Susan French , Mark Carlson , Alesia Panagiotides , Justin Chace , Kate Kennedy , Ashwin Raj , John Tullis , Vishwanath Shastry
发明人： Susan French , Mark Carlson , Alesia Panagiotides , Justin Chace , Kate Kennedy , Ashwin Raj , John Tullis , Vishwanath Shastry
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/381 , G06Q40/00
摘要： A method for a value transfer operation includes determining a sender currency using the account information of the sender and a receiver currency using the BIN associated with the sender account. The method further includes determining a currency exchange rate, transaction fee, and currency markup fee based on the sender and receiver currencies and various attributes of the sender account and the receiver account.
摘要翻译： 价值转移操作的方法包括使用与发送者帐户相关联的BIN，使用发送者的帐户信息和接收货币来确定发送方货币。 该方法还包括基于发送者和接收者货币以及发送者帐户和接收者帐户的各种属性来确定货币兑换率，交易费用和货币标记费用。
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公开(公告)号：US20110191247A1
公开(公告)日：2011-08-04
申请号：US13014584
申请日：2011-01-26
CPC分类号： G06Q20/4014 , G06Q20/10 , G06Q20/382 , G06Q20/40 , G06Q30/018
摘要： Systems and methods for authenticating parties involved in a transaction are disclosed. Some embodiments of the disclosure are directed to systems and methods for authenticating various identification attributes of a participant in a transaction. The attributes can include items such as the participant's name, address, social security number, date of birth, or any other identifying attributes. In some embodiments, all participants in a transaction may have identification information authenticated. The 3-D Secure protocol and framework is extended and enhanced to provide the ability to authenticate the identification details of participants in transactions.
摘要翻译： 披露了涉及交易的认证方的系统和方法。 本公开的一些实施例涉及用于认证交易中的参与者的各种识别属性的系统和方法。 属性可以包括参与者的姓名，地址，社会安全号码，出生日期或任何其他标识属性的项目。 在一些实施例中，交易中的所有参与者可以具有认证的识别信息。 扩展和增强了3-D安全协议和框架，以提供验证交易参与者身份识别细节的能力。
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